$100,000+ Incomes Stealing Government Assistance | Financial Audit

*I WENT THROUGH HER SNAPCHAT* and it's INSANNEEEE, she is fully cheating, sending n*des, and being basically a massive WH*RE ughhh watch the post show here: https://hamr.link/ytjoin *OR* download the brand new Hammer Elite App ➡ https://hammerelite.com/#join (discounted annual) MY NEW FLAVOR WENT LIVE EARLY!! Get Liquid Assets *NOW* for under 40 cents per serving, up to 6 free gifts and 10% off your entire order with code CALEB - https://hamr.link/calebdrank 💰 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 👉 Get 5% Cash Back with Chime Card and qualifying direct deposits ➡ https://bit.ly/4bff5by 👉 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 Make sure your family is always protected with PolicyGenius: https://visit.policygenius.com/life-insurance/pod/?utm_source=youtube&utm_medium=podcast&utm_campaign=life-ins-2026&utm_content=financial_audit_podcast 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 ============================= *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 01:25 Jobs & Income 04:33 he wanted to do WHAT 09:35 chat, do we believe her? 15:20 once a h*e, always a h*e 19:55 court ordered sobriety loool 29:25 this relationship is soooo healthy!! 42:15 someone call the IRS 01:00:40 bro really said my "trauma is worse than yours" lmaaao 01:07:20 bullsh*t bullsh*t bullsh*t 01:19:30 i would NOT trust this dude in the air force 01:27:20 top college prospect!! 01:30:58 Budget ============================= Want more content? ============================= 🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips 🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel ============================= *Connect with me!* ============================= TikTok: https://www.tiktok.com/@calebhammercomposer X: https://x.com/sircalebhammer IG: https://www.instagram.com/calebhammercomposer/ Facebook: https://www.facebook.com/calebhammercomposer/ ============================= *Want to be a guest on Financial Audit?* ============================= 👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply *Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. Sponsorship and business inquiries: [email protected] Learn more about your ad choices. Visit megaphone.fm/adchoices

Speaker names marked ? are inferred from speaking time and the show’s known hosts — they are not voice-verified.

• 0:00Caleb Hammer?

  To watch episodes of Financial Audit a week earlier, check us out on YouTube. So this is the kind of guy that knocks up a [BEEP]er, isn't it?

• 0:05Speaker 01

  Good [BEEP] is good [BEEP].

• 0:06Caleb Hammer?

  Your [BEEP] is basically falling off the

• 0:08Speaker 01

  [BEEP] you.

• 0:09Caleb Hammer?

  You like you're giving hand [BEEP] in the back for the money?

• 0:11Speaker 02

  Uh, yeah, I don't think that was taking place.

• 0:14Speaker 01

  It is. It sure is. I had a regular. We would go to a hotel.

• 0:18Caleb Hammer?

  What'd you do at the hotel?

• 0:20Speaker 01

  It was fun.

• 0:21Speaker 02

  What is it to take to get through your head to stop doing this?

• 0:24Speaker 01

  You better be buying me a yacht or a [BEEP] house.

• 0:28Caleb Hammer?

  So it's concerning that you felt the desire to put your hands on her?

• 0:34Speaker 02

  I was literally on the brink of like, I've never wanted to physically hurt her, but I was like

• 0:37Caleb Hammer?

  That's something you should have to clarify.

• 0:39Speaker 02

  Well, it's getting to that point. It's getting to that

• 0:41Caleb Hammer?

  To wanna physically hurt?

• 0:42Speaker 02

  Yes.

• 0:43Speaker 01

  Absolutely.

• 0:45Caleb Hammer?

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• 1:19Speaker 01

  Hi, I'm Shelby. I'm 31 years old.

• 1:21Speaker 02

  Hi, I'm Tyrone. I'm 34 years old. We live in St. Louis, Missouri.

• 1:24Speaker 01

  And this is Financial Audit.

• 1:27Caleb Hammer?

  It absolutely is. Thanks for coming down to Austin, guys. Shelby, what do you do for a living?

• 1:31Speaker 01

  Uh, him?

• 1:34Caleb Hammer?

  Uh, okay, cuz she has big tits. You sugar baby her? Is that what's happening?

• 1:38Speaker 02

  Uh, yeah.

• 1:39Speaker 01

  I mean, he pays all my bills and I [BEEP] him, so.

• 1:42Caleb Hammer?

  I hope it's love?

• 1:44Speaker 02

  Yeah, whole lot of love and love.

• 1:46Caleb Hammer?

  I would hope so because

• 1:48Speaker 01

  Lots of love.

• 1:48Caleb Hammer?

  Okay, sugar babies usually look a little different, but, okay, yes.

• 1:53Speaker 01

  I used to, when I caught him.

• 1:55Caleb Hammer?

  Huh?

• 1:56Speaker 01

  When I caught him, because we've been together for 10 years.

• 1:58Caleb Hammer?

  What'd you catch him doing?

• 1:59Speaker 01

  I, you know, you put it in, you reel it in, and he's not, he's mine now. You catch him.

• 2:04Caleb Hammer?

  Cute. Uh, how many years? 13?

• 2:06Speaker 01

  11.

• 2:07Caleb Hammer?

  That's what she said? 11?

• 2:08Speaker 01

  11.

• 2:08Speaker 02

  Yeah, 11.

• 2:08Caleb Hammer?

  Oh, very good. We're married?

• 2:10Speaker 02

  No.

• 2:11Caleb Hammer?

  Okay, why? Oh, congratulations. When'd you pop that question?

• 2:15Speaker 02

  Oh, God. She knows more.

• 2:16Speaker 01

  Three years ago.

• 2:17Speaker 02

  Three years ago, yeah.

• 2:17Caleb Hammer?

  What the [BEEP] way? Why have we not closed that, not?

• 2:20Speaker 01

  Ask him.

• 2:21Speaker 02

  Uh.

• 2:22Caleb Hammer?

  Okay, I'll ask you. Why have you not closed that, not?

• 2:24Speaker 02

  Benefits, healthcare, things like that.

• 2:28Caleb Hammer?

  Uh, what about? Well, what's the impact that you have been told?

• 2:31Speaker 02

  Oh, well, I would think that I

• 2:33Caleb Hammer?

  You would think. You haven't looked at it?

• 2:35Speaker 02

  But, um, we have six dependents in the household, so

• 2:40Caleb Hammer?

  So, okay, great.

• 2:41Speaker 02

  Actually

• 2:41Caleb Hammer?

  But if she doesn't make anything and you guys get married, then your household tax liability actually puts you in like a

• 2:47Speaker 02

  It should. Um

• 2:49Caleb Hammer?

  Okay.

• 2:50Speaker 02

  Previous years before now.

• 2:51Caleb Hammer?

  What do you do, Tyrone?

• 2:53Speaker 02

  Uh, I run a lawn care company. Um, this is my first year, like, on my own, doing it.

• 3:00Caleb Hammer?

  How many employees do you have?

• 3:02Speaker 02

  Just me. It's just me.

• 3:03Caleb Hammer?

  What do you make?

• 3:05Speaker 02

  Uh, safe side, 11, 8 a month.

• 3:11Caleb Hammer?

  Oh, okay, not bad. I was gonna, it's kind of concerned. I mean, yes, lawn care is Seasonal. A good business.

• 3:18Speaker 02

  Yeah.

• 3:18Caleb Hammer?

  It certainly is, but so that, that safe side, is that consistent throughout the year?

• 3:22Speaker 02

  No.

• 3:22Caleb Hammer?

  Okay, so when you say that's the safe side, is that gonna be like the average across?

• 3:28Speaker 02

  It, it, it's

• 3:28Caleb Hammer?

  Up and down months?

• 3:30Speaker 02

  On the lower side of the average, just to be safe. Like, I have a lot

• 3:33Caleb Hammer?

  What's your low months? What comes in low months?

• 3:35Speaker 02

  Uh, like 10,800?

• 3:39Caleb Hammer?

  What comes in high months?

• 3:39Speaker 02

  Uh, well over 12.

• 3:42Caleb Hammer?

  Okay, so I mean, it's

• 3:43Speaker 02

  12, 5, maybe 13.

• 3:44Caleb Hammer?

  That's actually not a huge range for slow months, high months. The concern, um

• 3:48Speaker 02

  Oh, no, during winter months, it's like half, but I have to find different

• 3:51Caleb Hammer?

  I said low months, asshole.

• 3:52Speaker 02

  Okay, yeah, yeah, yeah. I thought you meant like during the lawn care season.

• 3:54Caleb Hammer?

  Why would I say that? I said low months.

• 3:55Speaker 02

  So

• 3:56Caleb Hammer?

  Why would I want to know the low of the high? I said the low. Give me the low.

• 4:01Speaker 02

  If we're gonna average, it would be like 4,000 probably, if you take all 12 months.

• 4:05Caleb Hammer?

  And you do extra work? What is that extra work during the low months?

• 4:07Speaker 02

  Uh, last year I did junk removal. I did spark on the side whenever I wasn't working, doing that, so

• 4:14Caleb Hammer?

  Okay, so you do a lot of, okay, just

• 4:16Speaker 02

  Yeah.

• 4:16Caleb Hammer?

  Random things which I

• 4:18Speaker 02

  Anything I can to

• 4:18Speaker 01

  Random things.

• 4:19Speaker 02

  Works. Yeah.

• 4:21Caleb Hammer?

  There was a concern with you, Mr. Tyrone. One, that fake name, we did not assign it. Two, didn't realize it was you. I knew I was gonna be filming with this individual eventually. I was just hearing murmurs for a couple of weeks. You were desperate and really trying and begging to do blackface on here.

• 4:38Speaker 02

  Yeah.

• 4:38Caleb Hammer?

  What the [BEEP]? And no, we did not allow that. We, we, I have like almost no limits, but I would get called out for platforming someone doing Blackface.

• 4:48Speaker 02

  Yeah, it's crazy. You have no limits and you wouldn't let me do blackface.

• 4:51Caleb Hammer?

  Well, cuz I would get called out. Could you imagine my sponsors seeing someone do blackface and me treating them like a normal person? Why the [BEEP] did you want to come on here and do blackface? Uh, you're in St. Louis. I can guess what at least a large percentage of your paying population is.

• 5:05Speaker 02

  Uh, well, it's gonna be anonymous, you know?

• 5:08Caleb Hammer?

  Not really.

• 5:09Speaker 02

  So I figured.

• 5:10Caleb Hammer?

  I mean, it's not

• 5:10Speaker 02

  I figured.

• 5:11Caleb Hammer?

  Anonymous name, but it's not like your face, I mean, dude, you got a [BEEP] battle wound.

• 5:15Speaker 02

  Yeah.

• 5:16Caleb Hammer?

  We know

• 5:17Speaker 02

  Yeah.

• 5:17Caleb Hammer?

  People probably know who you are. That's not a normal thing we see.

• 5:20Speaker 02

  Yeah.

• 5:20Caleb Hammer?

  What, did you do blackface, walk in the hood and get a bullet in the [BEEP] lip?

• 5:24Speaker 02

  Uh, no, no, this is actually a cleft lip, cleft palate. Uh, but, so, my thought was, if we, you know, you're gonna do white makeup, why not just do black makeup and make it a little bit more fun?

• 5:37Caleb Hammer?

  Not afraid of any consequence?

• 5:38Speaker 02

  No.

• 5:40Speaker 03

  Mr. Popo is very disappointed.

• 5:43Speaker 02

  Here's the thing. I am thinking about things analytically, and I know that that's gonna get, like you said, you know, you might get canceled from it, but think about all the

• 5:54Caleb Hammer?

  Yeah, you're not worth me getting canceled.

• 5:56Speaker 02

  Any publicity is good publicity, right?

• 5:58Caleb Hammer?

  No.

• 5:59Speaker 02

  Oh, well.

• 6:00Caleb Hammer?

  Not when I lose all my sponsors and, uh, I mean, cancellation, like, no one really cares about people who cancel people anymore, so

• 6:07Speaker 02

  Exactly.

• 6:07Caleb Hammer?

  They probably wouldn't have much of an impact, but even still, I don't even, I think it'd be reasonable, reasonable, finally, for the first time almost ever, for sponsors to actually have an issue with that.

• 6:17Speaker 02

  Well

• 6:18Caleb Hammer?

  Because it's blackface.

• 6:20Speaker 02

  Yeah, I did talk to a buddy of mine after it got denied. He's a black guy and I pitched it to him and he was quiet for a minute and he goes, yeah, that's racist. And I was like

• 6:30Caleb Hammer?

  It's usually not the best. What was your take on that, Shelby, when he was begging us, begging us to do blackface on Financial Audit?

• 6:37Speaker 01

  To me, that's just [BEEP]. He doesn't give a [BEEP] what anybody thinks. He doesn't give a [BEEP] who says anything about him.

• 6:43Caleb Hammer?

  And you like this?

• 6:45Speaker 01

  It depends on what we're talking about. This particular thing, no. Um, Facebook, for example, he likes to just, if it comes to mind, he's posting it. Um, and I've had, I mean, family members contact me about it, friends contact me about it. People are like, the shit he says on Facebook is absolutely wild. You need to calm him down. And I'm like, nobody calms [BEEP] down. He is who he is. He's gonna say what he wants to say.

• 7:10Caleb Hammer?

  What's he saying?

• 7:12Speaker 01

  Um, what, off the top of my dome, I can't.

• 7:16Speaker 02

  I can think of one thing that her friend is still mad about, and I said it, what, two years ago, three years ago? I basically said, I don't understand how people without kids can be broke. And a lot of people got it. People do accountability shit. I just, you know?

• 7:29Caleb Hammer?

  I don't know. I mean, certainly there's a ways, I mean, that's a conversation. It's not really like, I was expecting something racist or anti-Semitic or

• 7:35Speaker 02

  Oh, no.

• 7:36Caleb Hammer?

  But you literally wanted to wear like an Afro and gold chain. This was to mimic a black person. It wasn't just for, I hid an identity. Afro and chain. It was black.

• 7:44Speaker 02

  Whoa, I just said the Afro. The chain just came with the wig, so I wasn't really gonna wear the, the chain.

• 7:50Caleb Hammer?

  So this is the kind of guy that knocks up a [BEEP]er, isn't it?

• 7:52Speaker 01

  It is. It sure is. There you go.

• 7:54Caleb Hammer?

  That's what happened, if I'm not mistaken. I mean, that's kind of what I just glanced over and read. You're out there showing titty giving hand jobs in the back for some extra little tippies.

• 8:01Speaker 01

  A little bit.

• 8:02Caleb Hammer?

  Well, see, knew it, called it. Didn't actually know that, but assumed as much. And then he impregnated you, then you stopped working, then you got fat, and now he's still with you for some reason. I don't know why. So what happened? What happened there?

• 8:14Speaker 01

  I think when we actually met, I wasn't actively dancing. Um, I was in school, dropped out of school.

• 8:22Caleb Hammer?

  Every stripper's in school.

• 8:22Speaker 01

  We started, you know, right. We started hanging out and every [BEEP] is probably a dropout of school.

• 8:28Speaker 02

  Mm-hmm, most of them.

• 8:30Speaker 01

  Yeah, most of them. Um, to me, it was more so of like a, we met and we fell in love and I started dancing again because he was just like, you can do whatever you want to do, cuz I was

• 8:43Caleb Hammer?

  You like you're giving hand jobs in the back for the money?

• 8:45Speaker 02

  Uh, yeah, I don't think that was taking place, so

• 8:49Speaker 01

  I worked at a very, um

• 8:51Caleb Hammer?

  You didn't do any extra little

• 8:54Speaker 01

  They have cameras in the private rooms.

• 8:56Caleb Hammer?

  Of course they do. They all do. You didn't do one thing.

• 9:00Speaker 02

  Caleb knows he frequents

• 9:01Caleb Hammer?

  You didn't do

• 9:01Speaker 01

  I can name drop. Can I name drop?

• 9:03Caleb Hammer?

  Yeah, of course. I don't care. Why would I care?

• 9:05Speaker 01

  I mean, just like the club.

• 9:07Caleb Hammer?

  Sure.

• 9:07Speaker 01

  Larry, Larry Flints all across the United States, they have cameras in those rooms.

• 9:13Caleb Hammer?

  Okay, I'm not getting acknowledgement of this, uh, chain. I don't know.

• 9:17Speaker 01

  Can be charged 100% if they find anything out, so

• 9:22Caleb Hammer?

  I'm getting a note from who I'm assuming is Brandon and not anyone else, that he's absolutely been beat off in a nice strip club. So the thing is, I mean, oh, come on. No, you're not gonna be held legally liable at this point. This was so long ago, statute of limitations, all that bullshit. You've done something.

• 9:39Speaker 01

  I really haven't. Now, what I did do is I had a regular and we would go to a hotel.

• 9:47Caleb Hammer?

  Ah.

• 9:51Speaker 01

  It was fun.

• 9:51Caleb Hammer?

  What'd you do at the hotel?

• 9:53Speaker 01

  He was like sixty-two years old, nothing.

• 9:55Caleb Hammer?

  Okay.

• 9:55Speaker 01

  Other than dancing.

• 9:56Caleb Hammer?

  You didn't?

• 9:58Speaker 01

  No, I didn't.

• 9:58Caleb Hammer?

  What?

• 9:59Speaker 01

  Somebody for seven hundred dollars?

• 10:01Caleb Hammer?

  Not for seven hundred?

• 10:02Speaker 01

  Two thousand dollars?

• 10:03Caleb Hammer?

  Maybe.

• 10:04Speaker 01

  No, get out of town. No, absolutely not.

• 10:06Caleb Hammer?

  I have sex with someone for two thousand dollars.

• 10:07Speaker 01

  That's disgusting.

• 10:09Caleb Hammer?

  If they're hot.

• 10:10Speaker 01

  No, I don't care how hot they are. Same, huh?

• 10:13Caleb Hammer?

  If a hot person came up to me and said,

• 10:15Speaker 02

  Someone's gonna pay me two? Nah, I'm just kidding.

• 10:17Caleb Hammer?

  Yeah, exactly.

• 10:19Speaker 01

  No.

• 10:19Caleb Hammer?

  What?

• 10:20Speaker 01

  No.

• 10:20Caleb Hammer?

  If a hot woman came up to me and said, let me pay you.

• 10:23Speaker 01

  Buy me a yacht or a house.

• 10:25Speaker 04

  You know, everybody likes to see a blimp. It's just so big. You can't miss it.

• 10:28Caleb Hammer?

  Who do you think you are?

• 10:30Speaker 01

  Pussy is pussy and good pussy is good pussy.

• 10:33Caleb Hammer?

  He's basically falling off that chair.

• 10:35Speaker 01

  You can't even grow facial hair, so I don't want to hear it.

• 10:37Caleb Hammer?

  Okay, the producers give you guys the one thing every time, huh?

• 10:41Speaker 01

  No, I can't even hear about it. I have eyeballs, so I can see.

• 10:44Caleb Hammer?

  Okay, so your strippers weren't doing anything extra.

• 10:48Speaker 01

  Right.

• 10:50Speaker 02

  I believe it. I have no reason to not trust her, so.

• 10:53Speaker 01

  I mean.

• 10:55Caleb Hammer?

  You were getting a blackface. You don't even know anything about, you're just like, your worldview is so broken. Your nose is falling off your face, like.

• 11:01Speaker 01

  I was coming home to him every night and him, so I mean, I think he would know.

• 11:05Speaker 02

  Yeah, I just.

• 11:07Speaker 01

  I mean, you can tell when a pussy's been fucked, right?

• 11:10Speaker 02

  That's true.

• 11:11Speaker 01

  Like, you can.

• 11:14Speaker 02

  That's Brandon, even though.

• 11:15Caleb Hammer?

  Yeah, he's, everyone's shaking their head no in the back. They've been with vaginas, like most of us have. I don't think you have a special sensing penis.

• 11:24Speaker 02

  You could tell.

• 11:25Speaker 01

  You can smell it? You can tell?

• 11:29Speaker 02

  If someone had sex with someone.

• 11:33Speaker 02

  And if you had sex with somebody and then came back within hours, you would be able to tell. Yeah.

• 11:38Caleb Hammer?

  That day, maybe, okay.

• 11:39Speaker 01

  We have lived together for.

• 11:41Caleb Hammer?

  I thought you meant, I thought you meant in general if someone ever has.

• 11:45Speaker 01

  Okay, no, I totally agree with that. Yeah, one hundred percent. It's, you know.

• 11:48Caleb Hammer?

  Okay, you lost me and you brought me back. Okay, fine, that would, that would make sense. That would make sense. In the same evening, sure, I got you. I got you. Okay, so you knocked up a stripper. Well done. No one's ever done that before.

• 12:02Caleb Hammer?

  Well done, not stripping. You found a racist or something that makes money.

• 12:07Speaker 01

  Back, honestly. I'd love to get a mommy makeover.

• 12:09Caleb Hammer?

  Is the issue.

• 12:10Speaker 01

  And, I mean, why not? Especially.

• 12:13Caleb Hammer?

  Well.

• 12:14Speaker 01

  Especially if you go back and you save money. I mean, your standards, my standards, a little bit different.

• 12:20Caleb Hammer?

  I'm talking about the standards of those who are paying customers.

• 12:22Speaker 01

  A naked body doesn't bother me. It's.

• 12:27Caleb Hammer?

  Okay, but certain naked bodies bother paying customers.

• 12:31Speaker 01

  Oh, no, yeah, totally. That's why I'd have to get a mommy makeover first.

• 12:34Caleb Hammer?

  I go to the gym?

• 12:35Speaker 01

  Yeah.

• 12:36Caleb Hammer?

  Okay, I agree.

• 12:37Speaker 01

  Absolutely.

• 12:37Caleb Hammer?

  So, when did you knock her up? How many kids we got?

• 12:41Speaker 02

  Four. Three, three with her.

• 12:43Speaker 01

  Three together. I have a stepdaughter, um, who's thirteen.

• 12:47Caleb Hammer?

  Okay, so you have another kid.

• 12:48Speaker 01

  Yes.

• 12:48Caleb Hammer?

  Dropping loads?

• 12:49Speaker 02

  Yep.

• 12:50Caleb Hammer?

  Early twenties?

• 12:50Speaker 02

  Yep, twenty-one.

• 12:52Caleb Hammer?

  Another stripper?

• 12:52Speaker 02

  No. No. That was pre, that was pre stripper era.

• 12:57Caleb Hammer?

  Age of the kids?

• 12:59Speaker 02

  Thirteen, nine, three, one.

• 13:04Caleb Hammer?

  Did he get it right?

• 13:04Speaker 01

  Yep.

• 13:05Caleb Hammer?

  Oh, well done. Good father.

• 13:06Speaker 02

  Something.

• 13:07Caleb Hammer?

  Um, how is he as a father? I would be afraid he's beating them.

• 13:12Speaker 01

  So, um, honestly.

• 13:15Caleb Hammer?

  That's not a good look.

• 13:16Speaker 01

  Absolutely amazing. Um.

• 13:18Caleb Hammer?

  Okay, well, if the stripper thinks he's amazing.

• 13:20Speaker 01

  And, and the standards of being a father and a husband. Like, he'll come home from working twelve, fourteen hour shifts and he helps me with housework. He helps me put the kids to bed. He helps me give them baths. Like, anything that needs to be done, I don't have to ask.

• 13:33Caleb Hammer?

  That's so weird because I have a whole note from your pre-interview that you were complaining that he doesn't do enough around the house. So what the? How are you complaining that about that in the pre-interview and then you just sit here and you're like?

• 13:45Speaker 02

  That's actually crazy.

• 13:46Speaker 01

  No, I was complaining, I was complaining that he comes home.

• 13:50Caleb Hammer?

  Sorry, actually, no, I apologize.

• 13:51Speaker 01

  On me that I don't do enough.

• 13:52Caleb Hammer?

  You're right, you're right, you're right. That is true.

• 13:54Speaker 02

  I was gonna say, that's nuts.

• 13:56Caleb Hammer?

  It was a reverse card. He was actually complaining that you, the stay-at-home mother, actually doesn't do anything and you criticize it about her housework because she doesn't do shit.

• 14:07Speaker 02

  Uh, it's not, not anything. I just think more could be done.

• 14:10Caleb Hammer?

  Like what?

• 14:11Speaker 02

  Um, dishes, laundry, everything, I mean, everything.

• 14:15Caleb Hammer?

  Working twelve hours a day, is that not fair?

• 14:16Speaker 01

  I'm like, install cameras in this bitch. I literally don't sit down. We don't even own a couch because he's too cheap to buy me a couch.

• 14:22Speaker 02

  I should get a shirt that says, I don't sit down.

• 14:24Speaker 01

  Like.

• 14:25Speaker 02

  Cause I call bullshit.

• 14:26Speaker 01

  That's all I say all day. I don't sit down. So now that my son is on summer break and.

• 14:31Caleb Hammer?

  Open your phone.

• 14:31Speaker 02

  Oh, I'm gonna love this.

• 14:33Caleb Hammer?

  Yeah, me too. And she specifically told me, don't go through Snapchat.

• 14:36Speaker 02

  Also, hold on, hold on.

• 14:37Caleb Hammer?

  At the beginning, which is fine.

• 14:38Speaker 02

  We live in a thousand-square-foot mobile home, okay? So, let me, let, let that sink in. How long do you think it should take to clean that?

• 14:49Caleb Hammer?

  I don't know.

• 14:50Speaker 01

  Okay, but you have six people who don't pick up after themselves. There's no structure in the home.

• 14:54Speaker 02

  Don't say six because I'm part of that six and I clean up after myself.

• 14:57Speaker 01

  You leave your clothes by the bed, no matter what.

• 14:59Caleb Hammer?

  I, I respect everyone's no-no, so I'm not gonna do your no-no, but your, one of your no-no's was to not go through Snapchat. I have to ask why?

• 15:06Speaker 01

  Um, I mean, you can, honestly, but.

• 15:10Caleb Hammer?

  That was your no. I don't want you to feel pressured on that, and it's a little weird.

• 15:13Speaker 01

  There's, there's just, if you opened some messages, there's nude saved that I didn't want you to see.

• 15:22Caleb Hammer?

  With him?

• 15:23Speaker 01

  Yes.

• 15:25Caleb Hammer?

  But not others?

• 15:26Speaker 01

  Right, sure.

• 15:29Speaker 01

  Yeah.

• 15:30Caleb Hammer?

  Why would there be others?

• 15:34Speaker 01

  I don't know.

• 15:37Speaker 02

  Yeah, it's a good question.

• 15:42Speaker 01

  Okay, so occasionally, oh, you want it back?

• 15:46Caleb Hammer?

  Yeah, it locked very quick.

• 15:48Speaker 01

  Yes, it does. It does that.

• 15:49Caleb Hammer?

  Okay, well, I don't want to see your news for what it's worth, but I am genuinely curious about this topic. But again, um, okay, for what it's worth, I mean, you spend an average of eight hours and ten minutes on your phone a day.

• 16:03Speaker 01

  You watch podcasts as you do dishes, as you fold laundry, as you do anything.

• 16:07Caleb Hammer?

  That's all, okay, what about Snapchat for ten hours?

• 16:09Speaker 01

  Well.

• 16:10Speaker 02

  Is that a week?

• 16:11Caleb Hammer?

  In a week, ten hours in a week. Yeah, well, the week before was twelve hours.

• 16:15Speaker 01

  That's our primary, like, our pri.

• 16:17Speaker 02

  Rob worked fourteen hours a day.

• 16:20Caleb Hammer?

  That isn't the one app you don't want me to go through.

• 16:22Speaker 01

  I talk to him on that app. I talk, and like I said, honestly, open it. There's just one conversation I wouldn't open.

• 16:30Caleb Hammer?

  Facebook. You're listening to Facebook while you're doing dishes for nine hours?

• 16:34Speaker 02

  Holy shit.

• 16:36Speaker 01

  There's videos on Facebook. It's not just on YouTube. There's videos on Facebook. I love.

• 16:41Caleb Hammer?

  I message it for three hours.

• 16:43Speaker 02

  Here's how I know. When I get three messages.

• 16:45Caleb Hammer?

  I don't want to bleep anything.

• 16:46Speaker 02

  Reels sent to my messenger within like twenty minutes. I'm like, okay, here's three. How many did you watch before you sent me the three?

• 16:52Speaker 01

  It's funny, cause he's working and he does the same thing to me all day long.

• 16:55Caleb Hammer?

  Yeah, but at least he's making money. So, and then he gets home and you haven't done the course.

• 16:59Speaker 02

  Oh, I can't, I can't be.

• 17:00Speaker 01

  A homemaker.

• 17:01Caleb Hammer?

  Fine, what about her on Safari for four, almost four hours a week?

• 17:03Speaker 02

  The whole Safari, like a browser?

• 17:05Caleb Hammer?

  It's a browser.

• 17:05Speaker 02

  I mean, that might be, I don't know.

• 17:07Caleb Hammer?

  Exactly, and then she's on iMessage.

• 17:09Speaker 02

  Probably buying shit.

• 17:10Caleb Hammer?

  iMessage for almost four hours a week. So these are not podcasts while you're doing dishes?

• 17:14Speaker 01

  Hmm, not all of them.

• 17:15Speaker 02

  YouTube is where she watches podcasts.

• 17:16Caleb Hammer?

  Which that is her primary thing, of which I did not bring up, because I was like, okay, fine, maybe she's watching podcasts, and that's fine. But the thing is, but it's Facebook, Snapchat, messages, Safari, constantly.

• 17:28Speaker 01

  Not gonna leave it, but seriously, Facebook, I mean, I get on it and I'll share.

• 17:30Caleb Hammer?

  I will not leave because it's not true.

• 17:33Speaker 01

  It is, it is. Like I said, install cameras in this motherf- and install really good ones so you can zoom in on what I'm doing on my phone. Please, so I can stop listening to this bullshit.

• 17:42Caleb Hammer?

  You standing up and not doing anything, is still not doing anything, but you are standing up. That is true.

• 17:46Speaker 01

  I mean, I am doing something though.

• 17:49Caleb Hammer?

  The basic things that he, that the house needs.

• 17:51Speaker 01

  It's not even, the basic things that the house needs also started dwindling away.

• 17:56Caleb Hammer?

  I appreciate this watch history. You're paying for my.

• 17:58Speaker 03

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• 18:28Caleb Hammer?

  I was, but.

• 18:28Speaker 01

  Started dwindling away whenever.

• 18:30Speaker 02

  She doesn't watch you.

• 18:31Speaker 01

  Yeah, sorry, um.

• 18:33Caleb Hammer?

  What are you talking about? It is like everything.

• 18:34Speaker 02

  She just started watching.

• 18:35Speaker 01

  Yeah, I was scared.

• 18:36Caleb Hammer?

  Okay, well, that's good.

• 18:37Speaker 02

  Yeah, yeah.

• 18:38Caleb Hammer?

  She was preparing. You're right, you weren't watching before the past couple of days.

• 18:41Speaker 01

  I was doing my homework. I was doing my homework.

• 18:42Caleb Hammer?

  Mostly just like crime videos.

• 18:43Speaker 02

  Yes, dude, it's insane.

• 18:44Caleb Hammer?

  Okay, and first of all, she has to watch this because she's watching body cam. She's not just doing dishes and listening to body cam footage.

• 18:49Speaker 01

  Yes, you are.

• 18:50Caleb Hammer?

  So I know you're sitting and watching. You don't listen to body cam.

• 18:53Speaker 01

  That I've seen that I can literally just.

• 18:54Caleb Hammer?

  Seen, seen, seen.

• 18:56Speaker 01

  Like, I just know, I can, yeah, but I've seen so much of it that I can just do dishes.

• 19:00Caleb Hammer?

  Okay, so confirm, she's not doing shit. Now, listen, ladies and gentlemen, if she gives consent, if she gives her consent, um, I'll go through the Snapchat and the post-show, but we don't, we're not going to hear. Oh, lots of messages from people. Some women, some men. He asked, what are you comfortable with? Nudes in the bath, good, full body, titties, ass. Late, what?

• 19:21Speaker 02

  Yeah, what the fuck is that?

• 19:22Caleb Hammer?

  She said, I know I said **** knows about it, but he doesn't, lol.

• 19:27Speaker 02

  Crazy.

• 19:28Caleb Hammer?

  Hi, you can save those pics, but can you delete them from chat just to be safe?

• 19:31Speaker 01

  Don't, you don't have to.

• 19:33Caleb Hammer?

  You can read it right there.

• 19:34Speaker 01

  No, I'd rather don't read the whole conversation. It's not very much money.

• 19:38Speaker 02

  I go work twelve, thirteen, fourteen hours a day.

• 19:40Caleb Hammer?

  What is this? Um, but yeah, it's absolute, it's, it's absolute bullshit. It's absolute bullshit. So, straight.

• 19:47Speaker 02

  Can you check mine?

• 19:48Caleb Hammer?

  I'm okay.

• 19:49Speaker 02

  I don't know how to, I don't know how to do it. I'm curious.

• 19:51Speaker 01

  But the housework, I feel like, really didn't fall off until summer, when my nine-year-old got out of school. And I'm taking them to, there's, um, you know, like a little rec center that we go to.

• 20:02Caleb Hammer?

  Fine, but there is more time in the day.

• 20:03Speaker 01

  Days a week. So, we're going to the rec center, we're going to the pool, we're take, going to the park, um, water parks.

• 20:10Caleb Hammer?

  I mean, this is a small thing.

• 20:11Speaker 01

  At home, doing dishes, scrubbing floors, doing laundry.

• 20:15Caleb Hammer?

  And you don't have to necessarily, but the thing is, if that is his big complaint and he is working twelve hours a day, he shouldn't be coming home and doing chores.

• 20:22Speaker 01

  I agree, totally.

• 20:24Caleb Hammer?

  You should do some stuff, come on.

• 20:26Speaker 01

  I do.

• 20:27Caleb Hammer?

  I mean, dishes is basic. Dishes is easy.

• 20:29Speaker 01

  I literally do, so I don't know what the **** he's talking about. He's got me fucked up.

• 20:34Speaker 02

  You do these things, but here's the thing, you'll do them and then you wait two, three days. It's like.

• 20:40Speaker 01

  Why I wait two or three days?

• 20:41Speaker 02

  No, I don't know why.

• 20:42Speaker 01

  Because I get drunk and then I don't do it.

• 20:44Speaker 02

  Okay, well, that's, actually, yeah, that's, that's actually true.

• 20:47Caleb Hammer?

  That's a problem.

• 20:48Speaker 02

  That is true.

• 20:49Speaker 01

  Problem, yeah.

• 20:50Caleb Hammer?

  It was or is?

• 20:51Speaker 01

  It was.

• 20:51Speaker 02

  That is true.

• 20:52Speaker 01

  It was.

• 20:52Speaker 02

  She's seven days sober.

• 20:54Speaker 01

  Yeah, it's only been a week, but before that week, it was like a month. And before that month, it was like another month.

• 20:59Caleb Hammer?

  Okay.

• 21:00Speaker 02

  What was a month?

• 21:02Speaker 01

  From, from December fourteenth to April first.

• 21:05Caleb Hammer?

  No, I mean, told this is court-ordered, not actually by choice. So.

• 21:08Speaker 02

  Yes, it is court-ordered.

• 21:09Caleb Hammer?

  What, it's court-ordered?

• 21:10Speaker 01

  It is.

• 21:11Caleb Hammer?

  What do you mean? Oh, you really are a **** failure, weird freak.

• 21:15Speaker 02

  So.

• 21:15Caleb Hammer?

  So what happened, court-ordered?

• 21:19Speaker 01

  I got a DUI.

• 21:20Caleb Hammer?

  Oh!

• 21:21Speaker 01

  Um.

• 21:22Caleb Hammer?

  Oh, good. Why not?

• 21:23Speaker 01

  Yeah.

• 21:24Caleb Hammer?

  That's good for everyone else around you.

• 21:26Speaker 02

  Dose.

• 21:27Speaker 01

  Not my finest moments.

• 21:29Caleb Hammer?

  Well, you've had two DUIs.

• 21:30Speaker 01

  Moments.

• 21:31Speaker 02

  Dose.

• 21:31Caleb Hammer?

  Buddy, how do you not learn after the first one, you freak?

• 21:34Speaker 01

  I don't know. My dad went to prison for four years for DUIs and I still didn't learn, so.

• 21:38Caleb Hammer?

  Really? You are hitting every stereotype of [BLEEP]ers. What is wrong with you?

• 21:41Speaker 01

  I know it.

• 21:42Speaker 02

  It is, isn't it?

• 21:43Caleb Hammer?

  Yikes. And you bred with that? That's curious. Buddy.

• 21:47Speaker 02

  Yeah, so who's got the bad judgment now?

• 21:49Caleb Hammer?

  You?

• 21:50Speaker 02

  Yeah. Calling me the racist and whatever and she had kids with me. Now the table's a turn.

• 21:55Caleb Hammer?

  It's always been you. I've never had the bad judgment.

• 21:58Speaker 02

  No, I'm talking about, yeah, I know, but he was saying you did at the beginning because I wanted to do blackface.

• 22:02Speaker 01

  Oh.

• 22:03Caleb Hammer?

  Ah.

• 22:04Speaker 02

  But now we've come full circle.

• 22:05Caleb Hammer?

  Well, I mean, your judgment of the blackface was a bad judgment, but, okay, so what were you doing when? What happened?

• 22:11Speaker 01

  Um, what about the first one or the second one?

• 22:13Caleb Hammer?

  When was the first?

• 22:16Speaker 01

  The first one was about five years ago.

• 22:19Caleb Hammer?

  Okay, well, what?

• 22:20Speaker 02

  No.

• 22:21Speaker 01

  It was four years, yeah. I was on probation for two.

• 22:23Speaker 02

  Oh, true, true.

• 22:24Speaker 01

  Four.

• 22:24Caleb Hammer?

  Of course.

• 22:25Speaker 02

  True.

• 22:26Speaker 01

  It was, it was.

• 22:27Caleb Hammer?

  Oh, what a freak.

• 22:28Speaker 01

  It was four years ago. It was literally three days before my probation ended, but because I had already met all the probation requirements, they closed my probation out early.

• 22:38Caleb Hammer?

  And then you went and got another one?

• 22:39Speaker 01

  And then I got another one.

• 22:40Caleb Hammer?

  When was your other one, your second one?

• 22:41Speaker 02

  Three days before her probation was over.

• 22:43Caleb Hammer?

  When was that?

• 22:43Speaker 02

  Like five months ago, six months ago.

• 22:45Speaker 01

  December, the middle of December. Um, so with the first one, I know excuses, explanation, accountability, okay?

• 22:55Caleb Hammer?

  Women?

• 22:55Speaker 01

  The first one?

• 22:56Speaker 02

  Yeah, the accountability is.

• 22:58Speaker 01

  The first one, um, my brother came home from the Marines for the first time and I was like, let's go out.

• 23:06Caleb Hammer?

  Okay, they didn't mean you have to drive. You can go get drunk because your brother came home. That's exciting. Okay.

• 23:10Speaker 01

  I know. Um.

• 23:12Caleb Hammer?

  We live in the world of Uber.

• 23:14Speaker 01

  Well, okay, you're gonna bash me on this, but I swear, if I try to get an Uber out to where I live, it's so rural, an Uber will not come out there. They will drop you off there.

• 23:24Caleb Hammer?

  Oh, then don't go drink.

• 23:25Speaker 01

  But they will come out there. I agree. You're, you're goddamn right. Um, so the second one.

• 23:31Caleb Hammer?

  What'd you blow?

• 23:31Speaker 01

  But, um, I didn't.

• 23:35Speaker 01

  I refused to blow.

• 23:37Caleb Hammer?

  Oh.

• 23:37Speaker 01

  Which actually helped me. Um.

• 23:39Speaker 02

  Pro tip, life pro tip?

• 23:41Speaker 01

  Life pro tip, don't blow. Um, actually just don't even do the field sobriety test. Have I been drinking today?

• 23:48Speaker 02

  Yeah.

• 23:48Speaker 01

  Um, the second one, I was at a bar drinking with my friends and then we left the bar and went back to her house to continue drinking. And then I was like, I have to go home because [BLEEP] will be mad, even though he literally wouldn't be mad and he would have been less mad if I just stayed [BLEEP] there.

• 24:08Caleb Hammer?

  The second one?

• 24:09Speaker 02

  Yeah, this is the second one.

• 24:10Caleb Hammer?

  I mean, told you had to drive home to go breastfeed your kid.

• 24:12Speaker 01

  Yeah, so.

• 24:13Caleb Hammer?

  I don't think you're supposed to be doing that while drunk, by the way.

• 24:16Speaker 02

  Bust out some knowledge on him.

• 24:18Caleb Hammer?

  I'm gonna be real with you. Your debt is not the same as everyone else's. You've got your own unique mix of credit cards, maybe some medical bills, personal loans and collections, whatever. Your interest rates are different. Your payments are different. Your life is different. So why do you need some one size fits all solution that treats you like a number? Some generic calculator that spits out, just pay more, as if you hadn't thought of that already. That's what sets PDS apart. They don't just look at your balance and say, good luck. They work to understand your specific scenario and help provide alternative solutions to becoming debt free. Whether you're struggling with credit cards, personal loans, collections or medical bills, PDS Debt has customized options designed specifically for you. Not your neighbor, not some average case study, you. They've helped hundreds of thousands of people get out of debt.

• 25:00Caleb Hammer?

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• 25:45Caleb Hammer?

  And if you use code CALEB, you'll get 10% off your entire order. Just 10%, Caleb? Relax, because it does get better, but not until 3pm, because that's when gamer subs unlocks the real deal. After 3, every order of Liquid Assets will also come with up to six free gifts, stacking up to six times. 3pm, link in the description to get on the waitlist.

• 26:09Speaker 01

  They say, now I don't find that. And when I say they, I'm talking about like doctors. They tell you now, if you can find the baby, you can feed the baby. I don't follow that rule, but I do like, like the alcohol, the amounts that it will seep in to your breast milk is like nonexistent. So there's breast milk strips that you can get. You dip them in your breast milk and they tell you if there's alcohol present. So I bought a box of those and as long as those were good to go, I was good to go. Um.

• 26:40Caleb Hammer?

  That's crazy. You're [BLEEP] crazy.

• 26:42Speaker 01

  I mean.

• 26:43Caleb Hammer?

  So what'd you blow that time?

• 26:44Speaker 01

  They say pump and dump is just for your comfort, okay? Like you're just trying to release your engorged titties. Um, and like I said, I didn't blow. And a lot of times they'll get a.

• 26:53Caleb Hammer?

  You didn't either?

• 26:54Speaker 01

  I didn't blow the second time either.

• 26:55Caleb Hammer?

  Are you on probation again?

• 26:57Speaker 01

  Not yet, because the case, we haven't gone to court or anything. Right now, I am literally just.

• 27:02Caleb Hammer?

  What is wrong with you? How drunk are you?

• 27:04Speaker 01

  I'm out on bond on my own recognitance with this breathalyzer.

• 27:07Caleb Hammer?

  How drunk were you?

• 27:09Speaker 01

  Way too drunk to be driving. Not drunk enough to blackout, which is.

• 27:13Caleb Hammer?

  Oh, great. Oh.

• 27:14Speaker 02

  That's good.

• 27:15Speaker 01

  That's, that's good for me. That's good. That's good for an addict. Um, but definitely too drunk to be behind the wheel.

• 27:21Caleb Hammer?

  So why are you drinking, you dumb whore?

• 27:23Speaker 01

  I, at this point, I mean, even, like I said, I'm seven days sober. Before that, I had quite some time. Um, I was just like, I wanna drink before I get this breathalyzer test. I'm not gonna be able to drink again, so I wanna drink one more time.

• 27:36Caleb Hammer?

  There's two kids since the first one. Why are you having kids with that?

• 27:40Speaker 02

  Because it's not, it's not always, it wasn't always like this. She had.

• 27:45Caleb Hammer?

  But you've had two kids since the first one.

• 27:46Speaker 02

  Right. It wasn't, she wasn't always like this with the alcohol. Like.

• 27:51Caleb Hammer?

  But you've had two since the first one?

• 27:53Speaker 02

  The DUI?

• 27:53Caleb Hammer?

  Yes.

• 27:54Speaker 02

  Yeah, she didn't drink. She like stopped drinking after she got the DUI.

• 27:57Caleb Hammer?

  How long?

• 27:59Speaker 02

  A long time. Yeah, a long time.

• 28:01Caleb Hammer?

  Two years? Well, that doesn't add up for the one-year-old.

• 28:06Speaker 01

  I would say after, I would say when he was about six months old, I started drinking again and it ramped up, like.

• 28:13Caleb Hammer?

  Why? Why did you start drinking again?

• 28:15Speaker 01

  I, honestly, it just started off as like a little weekend thing and it ended as a stay-at-home mom bored in the bathtub at the end of the night.

• 28:24Caleb Hammer?

  Why are you bored if you're, uh, things to clean?

• 28:27Speaker 01

  I didn't say bored.

• 28:29Caleb Hammer?

  What the fuck? You should phone you dumb [BLEEP]. Did you not listen to the instructions? If you got time to lean, you got time to clean.

• 28:40Speaker 02

  Damn right.

• 28:41Speaker 01

  True.

• 28:41Speaker 02

  Preach, brother.

• 28:43Caleb Hammer?

  And I'm trying. She's not listening.

• 28:45Speaker 02

  She don't listen to me either. It's crazy.

• 28:47Caleb Hammer?

  One of your Snapchat payers or whatever, giving you some money? Oh, great. Oh, well, I guess we'll learn about that in the post-show. Hammer Lee. Okay, um, so what's the, what's the financial situation of this house? What does it look like? What's going on? What's going on with you guys? What are we talking about today? Because what a [BLEEP] mess you guys are, to be clear.

• 29:08Speaker 02

  Yeah. It's pretty rough. This is, uh, well, with the second DUI, we had the other one paid off, um, which was good. And then she got this one and it's been since December, we just found out like a month ago that she's actually gonna go to court. So then the lawyer fee was $5,000 for the second one. Um, and for her to get the little blow majiggy thing that she's got, um, we had to speed up the process. So we had to pay the $5,000 like now, which came from her grandparents, because I don't have $5,000. She definitely doesn't have $5,000. Um, I don't have.

• 29:50Caleb Hammer?

  How do the finances work in this house, though?

• 29:53Speaker 02

  What do you mean? I make the money.

• 29:54Caleb Hammer?

  You make the money. How does the spending, the budgeting, the communication, how does it go?

• 29:58Speaker 02

  Uh, budgeting is basically nonexistent.

• 30:02Speaker 01

  Communication is, say I like this, I want it.

• 30:04Speaker 02

  I check my, my banking app to make sure I have cash. That's, that's my budgeting.

• 30:08Caleb Hammer?

  Are you still with her? Is it the kids? It has to be.

• 30:11Speaker 02

  No, because when she's good, she's great.

• 30:13Caleb Hammer?

  Yeah, but she's on her second W.

• 30:15Speaker 02

  Yeah, it's not good.

• 30:16Caleb Hammer?

  Yeah, like what the, like, why are you, I would have walked at that point.

• 30:21Speaker 02

  So, yeah, I've told her if this continues, because literally talking to them a month ago, she was still drinking. Like I have a text message saying, hey, I just got home from working 13 hours. She's drunk right now. Like I'm getting sick of this and I'm getting ready to, like, I'm done. So I even told her, I came home one day and she was drunk again. And I, for the first time in our entire relationship, I was literally on the brink of like, I've never wanted to physically hurt her, but I was like, this is ridiculous. Like.

• 30:52Caleb Hammer?

  That's something you should have to clarify?

• 30:53Speaker 02

  Well, it's, it's getting to that point. It's getting to that.

• 30:55Caleb Hammer?

  To wanna physically hurt?

• 30:57Speaker 02

  Yes.

• 30:57Speaker 01

  Absolutely.

• 30:58Speaker 02

  I'm like, I don't want to, I don't, I just like, I don't know how to say this. I was like, but you're literally, you're literally, no, you're making me like despise you.

• 31:06Speaker 01

  Yeah.

• 31:06Speaker 02

  Like.

• 31:06Caleb Hammer?

  Well, yeah, that's fine, but why does that get to violence for you?

• 31:09Speaker 02

  No, I'm just saying like, it's on the, like, I wasn't actually going to do it, but like, I wanted, like, it just, what is it to take to get through your head to stop doing this?

• 31:19Speaker 01

  Do I have to beat the shit out of you?

• 31:20Speaker 02

  You have three kids, you have four kids, you have, you know, a decent home life. You get to stay home and take care of your kids. Like, I don't understand what's so bad, what's so wrong that you have to drown out every bit of existence with alcohol. I don't get it.

• 31:34Caleb Hammer?

  I mean, I agree with you, but you are concerning me. The things that you're saying are kind of concerning, especially when you look like a school shooter who got lost on the way to school, so still ended up making it to 34 without blasting one up.

• 31:44Speaker 02

  Bro, I look fresh. What are you talking about?

• 31:48Caleb Hammer?

  So it's concerning that you felt the desire to put your hands on her?

• 31:55Speaker 02

  I mean, but I didn't.

• 31:56Caleb Hammer?

  That's good for now.

• 31:58Speaker 02

  So it's good.

• 31:58Caleb Hammer?

  Until she takes another little swig.

• 32:01Speaker 02

  Here's the other thing too. She's not, when she gets drunk, it's not a good time. It's not pleasurable. It's not fun. It's like, oh, I take some alcohol and I, we let's dance and have a good time and everything's fun and.

• 32:10Caleb Hammer?

  I don't like.

• 32:10Speaker 02

  She's an asshole. She gets ignorant with me. She's rude to the kids.

• 32:16Caleb Hammer?

  Ignorant with you?

• 32:16Speaker 02

  Yes.

• 32:17Caleb Hammer?

  What's that like?

• 32:18Speaker 02

  Basically, it seems like anything that she has bottled up or doesn't say, then it just starts to come out and it's like to the extreme.

• 32:27Caleb Hammer?

  I don't know if that's ignorant.

• 32:29Speaker 02

  No, because it's mostly not true.

• 32:31Caleb Hammer?

  Okay, so she lies?

• 32:32Speaker 02

  Yeah, she gaslights. I hate to say that in 2026, but.

• 32:35Caleb Hammer?

  Well, no, it's a real thing.

• 32:36Speaker 02

  Yeah, it's a real thing. It's like the thing, I'm doing work at home, like you pulled up the, you're gaslighting me? No, you're not. And then she'll say things like, uh, you just can't see all the things that I do. Well, if I can't see it, then is it happening? What are we talking about here? If you can't see me go to work, you can't see me pay the bills, but I'm doing it.

• 32:56Speaker 01

  I'll say things like, you know, you don't notice all the small things. Like, for instance, like.

• 33:00Speaker 02

  Here's my thing, don't do the small shit. Don't do the baseboards when the sink is filed up, when there's six loads of laundry. Don't do the, why are you doing that?

• 33:07Caleb Hammer?

  It's all about cleaning with you guys.

• 33:09Speaker 01

  It literally is.

• 33:09Speaker 02

  Bro, I'm very OCD. I'm very like, I don't want.

• 33:13Speaker 01

  Husky and it's out of control. He's a very.

• 33:15Caleb Hammer?

  I don't like weed?

• 33:16Speaker 01

  And he.

• 33:17Speaker 02

  I don't like that dog.

• 33:18Speaker 01

  He hates my dog.

• 33:19Caleb Hammer?

  That's so weird to not like a dog.

• 33:20Speaker 01

  I know.

• 33:21Speaker 02

  Dude, he's hairy and it's gross.

• 33:24Caleb Hammer?

  Gross?

• 33:24Speaker 02

  Yes, it's disgusting. Dog hair is disgusting.

• 33:26Caleb Hammer?

  Why don't you have a Roomba? It's a thousand square feet. Why aren't you cleaning up the hair?

• 33:30Speaker 01

  I do. I'm vacuum and sweep like every single day, every single day, but it's.

• 33:34Caleb Hammer?

  You said like every single day. Is it every single day?

• 33:37Speaker 02

  No, it's not. And that's my whole, here's my whole thing too. Okay, remember a thousand square feet, three bedrooms, two baths.

• 33:42Caleb Hammer?

  Okay.

• 33:42Speaker 02

  If you do everything, okay, you get it in tip top shape. Everything is looking great. Now, what are we doing here four days a week? Uh, cause I'm usually off two days. Sometimes not if it rains or whatever, I have to work an extra day. Maintenance, we're doing maintenance. How long should it take to maintain? Oh, you want to go to the rec plex? You want to go to the pool? You want to do this? You want to do that? It should take you an hour. Speed run through all the to do's and then you go have fun with the kids for the next 11 hours of the day while I'm gone.

• 34:07Speaker 01

  I agree with you, but the part that you're totally missing is like, let's say I have the house cleaned and this happens all the time. I go back to take a bath or something, right? And I come out of the bath and there's toys everywhere. There's shit everywhere because you're on the computer. Because you're on the computer, which you deserve to be on the computer, you know, like.

• 34:26Speaker 02

  Like two hours a week?

• 34:27Speaker 01

  You deserve to come home. No, you deserve to come home and be on the computer while I'm in the bathtub and like relax and do whatever the you want to do. But at the same time, I can do those things and also pick up as I'm going. So like when I get out of the bathtub and the whole house that I just spent an hour or two hours cleaning is now messed up and you're like letting cook and.

• 34:48Caleb Hammer?

  I mean, I'm sorry, I'm having.

• 34:49Speaker 01

  My bad.

• 34:49Caleb Hammer?

  No, we know.

• 34:50Speaker 02

  Or it's the fact that you've already been drinking and then you're in the bathtub and it's like, oh, it's me bath time. I'm going to drink some more.

• 34:59Speaker 01

  That does happen, but especially since December, it hasn't been happening as much.

• 35:04Speaker 02

  Bullshit. Since December? We're in June.

• 35:08Speaker 01

  Okay, well, December to April.

• 35:09Speaker 02

  I could pull up pictures right now on my phone where there's like eight smearing off ice cans hidden in like a bag in the trash can.

• 35:16Speaker 01

  Yeah, that's in April.

• 35:17Speaker 02

  You open the medicine cabinet, there's three shooters and a.

• 35:19Speaker 01

  What? That was in April.

• 35:22Caleb Hammer?

  Well, you said it's December. What do you think's after December?

• 35:25Speaker 01

  That's what I said. From December to April 1st. I know when I stopped drinking because I know when I stopped.

• 35:32Speaker 02

  You didn't stop drinking though until seven days ago. You would have one day. You would have one day.

• 35:38Speaker 01

  To April 1st. I literally did not drink at all that entire time.

• 35:42Speaker 02

  Okay, well, here's the problem.

• 35:43Speaker 01

  Time.

• 35:43Speaker 02

  Here's the problem.

• 35:44Speaker 01

  I drank before my friend's birthday and then all of a sudden I drank every day for like three weeks. I know when I drank and I know what I drank and I know.

• 35:52Speaker 02

  I do have bad short-term memory, so I can't confirm nor deny what she's saying is fucking true, but I feel like, I feel like she's gaslighting.

• 35:58Speaker 01

  No, because an addict, an addict knows the days that they stopped drinking.

• 36:02Speaker 02

  An addict also lies. An addict also lies to do their drug of choice. Come on, I grew up around addicts my entire life. That's also why I have no, I have no sympathy for this. I have no time for this because that's not how I live my life. I don't drink. I don't smoke. I don't do any of those things. So my future is not revolving around any of that.

• 36:22Speaker 01

  Which I understand.

• 36:23Caleb Hammer?

  Then why are you with her still? I'm so confused.

• 36:26Speaker 02

  Because again, whenever the things are good, like she's a great mom.

• 36:29Caleb Hammer?

  Yeah, but it sounds like it's not been good for.

• 36:31Speaker 02

  She's a great homekeeper. She's actually very intelligent when it comes like to book smarts and things like that. She knows what she's doing.

• 36:38Caleb Hammer?

  Okay, for you. Okay.

• 36:40Speaker 02

  No, not for me. In general, generally speaking, above average intelligence.

• 36:46Caleb Hammer?

  What's the last book you read?

• 36:47Speaker 01

  What was the name of that book?

• 36:49Caleb Hammer?

  Right.

• 36:50Speaker 01

  Wanna Know a Secret by Freedom McFadden is the one I'm on.

• 36:54Speaker 02

  Oh, she reads books all the time. I haven't read a book probably since high school.

• 36:58Speaker 01

  That's why I'm blanking on the name of the last one I read. It was so good too.

• 37:01Caleb Hammer?

  But things haven't been good for a long time. So that's why I'm confused why you're still here now.

• 37:05Speaker 02

  Uh, maybe it's the.

• 37:08Caleb Hammer?

  It's the kids, right?

• 37:09Speaker 02

  It's the reminiscing on the times where things were good. Also like wanting to build a future. There's things that I want to do that involve her. Goals that I have, ambitions that I have, that she is a part of, that I also need her to accomplish.

• 37:25Caleb Hammer?

  Have you wanted to leave?

• 37:27Speaker 01

  Oh yeah, definitely.

• 37:28Caleb Hammer?

  Why you? He's the one doing shit.

• 37:31Speaker 01

  Yeah.

• 37:31Caleb Hammer?

  You're just so wrong.

• 37:33Speaker 01

  You know how he said it always hasn't been like that? It always hasn't been like that. Um, the other thing that we have had fights about or just like where I'm coming from, even far before I started drinking was like his, when we got together, like he said, like reminiscing on how, you know, that, that amazing phase in the beginning when everything is perfect. Um, I would say he slowly stopped showing as much emotion and like the romance and stuff like that. And I know that's a normal thing. I know it happens, but it wasn't something that I foresaw happening with us. So it's something that like I've been bringing up for a long time and it definitely has gotten a lot better.

• 38:13Speaker 01

  But there were definitely points, I mean, I would say around like 2019, 2018, and I remember these years specifically because they were that bad. I mean, there was like complete disconnect from us. We hardly talked. Um, I was telling him the other day, like the first time you told me that I'm beautiful without being prompted to was the day that you proposed to me three day, three years ago.

• 38:34Caleb Hammer?

  Okay, you know what? You didn't get called beautiful. Oh, that's a bummer. You're a drunk at home who does his shit while he.

• 38:43Speaker 01

  If I was, if I was told these things, maybe, maybe I'd be better. It's your fault.

• 38:49Caleb Hammer?

  Oh, it's your fault. She drinks. You don't call her beautiful enough. What the is wrong with you? Have some kind of personal responsibility.

• 38:55Speaker 02

  You're joking, but no, I think she seriously does.

• 38:59Speaker 01

  I do not.

• 39:00Caleb Hammer?

  What happened? Hey, you have to blow into a breathalyzer, right?

• 39:03Speaker 01

  Yeah.

• 39:03Caleb Hammer?

  What happens when that court order is done?

• 39:07Caleb Hammer?

  It's happened before like 30 times and you're complaining how he hasn't said, he doesn't say I love you as much. Like, yes, that sucks, but the scale of issues on both ends, yours is up here. Compared to him not saying I love you.

• 39:20Speaker 01

  The thing is, it started way before the drinking, like I said. So yeah, that's a, that's a thing for me. That's a deal breaker for me. If you can't show me intimacy and love outside of sex, then that's a problem for me.

• 39:30Caleb Hammer?

  Why are you there?

• 39:31Speaker 02

  It's not even.

• 39:31Speaker 01

  Because we've talked about it. We've worked through it.

• 39:34Caleb Hammer?

  So you've worked through it.

• 39:34Speaker 01

  It's gotten better.

• 39:35Caleb Hammer?

  Well, there you go. So what are you complaining about?

• 39:37Speaker 01

  What are you complaining about? I've been sober for seven days. That's a, that's a win.

• 39:40Caleb Hammer?

  Court ordered. Court ordered and checked via breathalyzer.

• 39:46Speaker 02

  Yeah, is it? Okay.

• 39:47Speaker 01

  I can still go to the gas station to get a drink if I want. And even if I did drink, like let's say I could, I drink right now and I blew dirty in my little device thing. The only punishment would just be blowing in it more times throughout the day. That'd be my first punishment.

• 39:59Caleb Hammer?

  So you don't give a.

• 40:01Speaker 01

  I do. That's why I'm taking it seriously. That's why I haven't had a drink, but it wouldn't.

• 40:06Caleb Hammer?

  Ah, what are you?

• 40:06Speaker 01

  You know, I wouldn't immediately go to jail.

• 40:08Speaker 02

  Okay, here's the thing.

• 40:08Speaker 01

  The first time.

• 40:09Speaker 02

  Every time she's been pregnant, she just stops. There's no drinking. There's no doing anything. So here's my thing. If you have that willpower to do that, why? And like she just said, oh, if my only consequence if I drink is I just have to blow into this thing more. Okay. So I just followed the order because it's the order, but if I wanted to break it, I could. Obviously you can follow it. So why? Whenever there's no restriction, there's nothing stopping you, then it's a problem. But if there's something that's telling you, you can't do it, then all of a sudden, oh, I gotta follow the rules. It's no big deal. We could do it. No matter whether it's nine months or it's two years. I don't understand.

• 40:49Speaker 01

  Plain and simple, just being lazy and I didn't want to. I didn't want to stop.

• 40:53Caleb Hammer?

  Do you believe she hasn't even had a sip in the last seven days?

• 40:56Speaker 02

  Uh, yes, because she, every four hours or less, that thing goes off and she has to blow into it. Whether it's two o'clock in the morning, whatever, 10, I think it's 10, 2, 6, 12, around the clock. So there's like no point where she can, and it has like a camera on it, so she can't have like one of the kids blow into it. Like, so I know that she's doing it.

• 41:16Speaker 01

  It's actually never been, um, it's a hundred percent tamper proof. It's no, no one has ever successfully tampered with a scram blowing device. However, they have a breathalyzer. They have tampered with the ankle monitors that you wear that can detect alcohol.

• 41:29Caleb Hammer?

  You have one?

• 41:30Speaker 01

  No, I don't. I got out of that.

• 41:33Caleb Hammer?

  You'll probably get back on it.

• 41:34Speaker 01

  No, I've never had one.

• 41:35Caleb Hammer?

  An ankle monitor?

• 41:36Speaker 01

  No, I've never.

• 41:37Caleb Hammer?

  Might this time.

• 41:38Speaker 01

  I've never had one. The reason that I have the breathalyzer is in place of the monitor. Because it's summer and I wanted to take my kids swimming and you can't submerge that thing. So this is still, you know, it puts a strain on the whole family.

• 41:51Caleb Hammer?

  Oh, well, yeah, because you're a horrible mother.

• 41:53Speaker 01

  I understand. Yeah, totally.

• 41:55Speaker 02

  When I said like, if I leave, I'm taking the kids and the only way you're going to see them is if you have this device. So.

• 42:03Speaker 01

  That's actually what it's mostly used for is like custody battles.

• 42:07Caleb Hammer?

  Okay, so yeah, you're a piece of shit, but I'm being told.

• 42:10Speaker 01

  Not on my good days.

• 42:11Caleb Hammer?

  Shut the up. But I'm being told on your end Tyrone, that you consider yourself Robin Hood. I don't see how, cutting grass isn't Robin Hood. What is this Robin Hood? You steal from, steal, steal from who to give to who? What the are you talking about?

• 42:26Speaker 02

  Um, so I mean, we'd have to get into some of the debt related stuff on that end.

• 42:32Caleb Hammer?

  He steals from companies slash the government and gives back to himself. What does that even mean?

• 42:39Speaker 02

  Uh, I don't steal from the government. I fall, I'll follow all, um, legalities involved with any kind of application processes or requirements for assistance. First of all.

• 42:52Caleb Hammer?

  You paying your taxes?

• 42:54Speaker 02

  Uh, about that.

• 42:55Caleb Hammer?

  Okay. Well.

• 42:57Speaker 02

  Taxes.

• 42:58Caleb Hammer?

  That would be it.

• 42:59Speaker 02

  It's been like four years.

• 43:01Caleb Hammer?

  What's wrong with you?

• 43:02Speaker 02

  Three?

• 43:02Caleb Hammer?

  What the is wrong with you?

• 43:04Speaker 02

  Okay.

• 43:04Caleb Hammer?

  You want a house?

• 43:05Speaker 02

  Yes.

• 43:06Caleb Hammer?

  I hope they take it.

• 43:07Speaker 02

  No, they won't.

• 43:08Caleb Hammer?

  They could.

• 43:09Speaker 02

  They could, but they won't.

• 43:09Caleb Hammer?

  I hope they will.

• 43:10Speaker 02

  They won't.

• 43:11Caleb Hammer?

  Why do you know?

• 43:12Speaker 02

  Uh, just because I know.

• 43:13Caleb Hammer?

  Nope.

• 43:13Speaker 02

  Yeah. Yeah. See, I think you like operate out of a, like a, you know, carrot and stick mentality. You're more afraid of the stick and the IRS and the, the guys with the guns, your favorites. I, I just don't, I don't care.

• 43:27Caleb Hammer?

  You don't care if they take your house?

• 43:28Speaker 02

  They're not going to take my house.

• 43:29Caleb Hammer?

  They might take your house.

• 43:30Speaker 02

  No, they won't.

• 43:30Speaker 05

  If the police do come, he told us, I ain't going down without a fight.

• 43:34Caleb Hammer?

  So when I first started this, you know, the taxes got complicated quickly.

• 43:38Speaker 02

  Mm-hmm.

• 43:39Caleb Hammer?

  Um, I thought I paid enough for my first year doing YouTube. I didn't. Found out a couple of years later.

• 43:46Speaker 02

  Did you?

• 43:46Caleb Hammer?

  Yeah. So, so you. Letter in the note.

• 43:48Speaker 02

  You filed though?

• 43:49Caleb Hammer?

  Yes.

• 43:50Speaker 02

  Yeah. See, you're on the radar. Problem number one.

• 43:53Caleb Hammer?

  Well, I think you're on the radar now. Problem number two.

• 43:56Speaker 02

  Yeah. I don't think Tyrone is going to be on the radar.

• 43:58Caleb Hammer?

  Yeah. Tyrone. So.

• 44:02Speaker 02

  Not even. No, this year, this year I will have to file.

• 44:04Caleb Hammer?

  Oh, well, there you go. So you'll be on the radar.

• 44:07Speaker 02

  I've never made enough to where like, I would have.

• 44:11Caleb Hammer?

  How many guys paying for bills the last few years then?

• 44:13Speaker 02

  Uh, I mean, I was working.

• 44:15Caleb Hammer?

  But you never made enough to pay taxes? That doesn't make sense.

• 44:18Speaker 02

  Well, so when I'm, we used to mow, I would mow for cash. Like it wouldn't be, I would work for someone else, but it wouldn't be for cash.

• 44:25Caleb Hammer?

  You certainly didn't claim that.

• 44:26Speaker 02

  Or they would 1099 me and I just wouldn't claim.

• 44:28Caleb Hammer?

  Are you getting government benefits?

• 44:30Speaker 02

  Uh, she does.

• 44:33Caleb Hammer?

  I see you guys aren't married. What benefits are you getting?

• 44:35Speaker 01

  Bingo. Um, I get food stamps and medical for all the kids.

• 44:40Caleb Hammer?

  Uh, mind you, six figure household.

• 44:43Speaker 02

  Six figures, no, because that is only.

• 44:45Caleb Hammer?

  You average out to $11,800?

• 44:47Speaker 02

  No, I do not. During, this is the first year that I've ever made that. And this just started in April.

• 44:52Caleb Hammer?

  Oh, then you can't tell me it averages that. Who knew?

• 44:56Speaker 02

  I have a consistent client list. So yes, it does average that. Um.

• 44:59Caleb Hammer?

  Yeah, for a couple of months you have a consistent client list.

• 45:01Speaker 02

  So, no, I've been building this client list over the last three or four years. You don't just start a business and have.

• 45:06Caleb Hammer?

  Okay, then it didn't go from zero to 11. So you've been making decent money for a while.

• 45:10Speaker 02

  Yes.

• 45:11Caleb Hammer?

  So mind you, nearly six figures for a while in the house.

• 45:15Speaker 02

  Not even.

• 45:15Caleb Hammer?

  Man, what are you talking about? If it's a consistent client list, you should have been near that six figures for a while because you're well over it today.

• 45:20Speaker 02

  Last year, okay, so I would have to rent equipment for my old boss on the weekends to do the few yards that I had.

• 45:26Caleb Hammer?

  Uh huh.

• 45:26Speaker 02

  So it was like not even anything close to

• 45:31Speaker 02

  making six figures or anything like that.

• 45:33Caleb Hammer?

  Okay.

• 45:33Speaker 02

  Um, I was going to, I mean, it was a whole nother rabbit hole, but I was going to purchase his company from him, uh, two years ago, I think.

• 45:42Caleb Hammer?

  Well, regardless of all that, let's just pretend you weren't. Well, you are now.

• 45:45Speaker 02

  Uh huh.

• 45:46Caleb Hammer?

  And that is disgusting if that maintains through next year.

• 45:50Speaker 02

  Yeah, but it won't be six figures still.

• 45:52Caleb Hammer?

  What?

• 45:52Speaker 02

  Because we only, I can only mow average of 29 weeks a year. That's the mowing season. And then once that falls off, I don't, I mean.

• 46:00Caleb Hammer?

  So what do I actually put as your average then?

• 46:02Speaker 02

  I told you it would probably be, I mean, whenever I get side jobs, I probably still make four to $6,000 a month.

• 46:09Caleb Hammer?

  Extra on top of?

• 46:10Speaker 02

  No, no, no. Like worst on off season.

• 46:12Caleb Hammer?

  So what is the monthly average I should put ish?

• 46:17Speaker 02

  What's 29 week, 29 divided by four, 12, six, 24?

• 46:22Speaker 01

  I mean, it's hard to say because the, the.

• 46:25Speaker 02

  Probably 70,000 a year, maybe a little less.

• 46:26Caleb Hammer?

  Okay, then why the should she be having food stamps?

• 46:30Speaker 02

  Uh, I think the dependents is the big thing. I don't know what.

• 46:33Caleb Hammer?

  Well, yes, with, uh, who's claiming them?

• 46:36Speaker 02

  Yeah.

• 46:36Speaker 01

  I have three dependents.

• 46:38Caleb Hammer?

  You claim them with the zero income because.

• 46:40Speaker 02

  No, she works for my company.

• 46:42Caleb Hammer?

  What?

• 46:43Speaker 02

  Yeah.

• 46:43Speaker 01

  I work for his company. I.

• 46:44Caleb Hammer?

  Why didn't you tell me that when I said, what are you doing for a living? How am I supposed to go off of information I don't have?

• 46:48Speaker 02

  She's a stay at home mom, but she works for my company.

• 46:51Speaker 01

  Yeah.

• 46:54Speaker 02

  For tax purposes.

• 46:56Caleb Hammer?

  And what do you make?

• 46:58Speaker 01

  Uh, 25,000.

• 47:00Caleb Hammer?

  Is this an additional to your 70 a year?

• 47:02Speaker 02

  No.

• 47:02Speaker 01

  No.

• 47:03Caleb Hammer?

  What the are we doing? Guys, just end the federal government, end all benefits. This shit's crazy. I'm so done. This show has turned me into the most pessimistic mother.

• 47:14Speaker 02

  Where?

• 47:15Caleb Hammer?

  I used to be so pro benefits even two years ago and now it's just like, every single one of you mother, this is crazy.

• 47:22Speaker 02

  Yeah. So here's the thing too. Uh, tax, tax code, your children, if they're of a certain age can work for your company.

• 47:29Caleb Hammer?

  Oh my.

• 47:30Speaker 02

  Pay them up to $15,000 a year. So you can go ahead and add 15 plus 15 to that as well as deductible.

• 47:36Caleb Hammer?

  When's that?

• 47:36Speaker 02

  I mean, my son's nine. He helps me cut grass.

• 47:39Caleb Hammer?

  Why is a kid that young working so slowly? Do you even care about your family? Cause you're playing Russian roulette with their future. You're spending $5 a day on BS energy drinks and churros. That is two grand a year to put one foot in the grave. Although your family has zero protection if something happens to you. Make it make sense, bro. If you want to actually enjoy those sweet summer moments without sweating your family's future, you need Policy Genius. It's a free online marketplace where you can compare quotes from America's top insurers side by side. No guesswork. You can find 20 year policies starting at just $276 a year for a million dollars in coverage.

• 48:21Caleb Hammer?

  Your BS energy drink budget covers that five times over. Head to policygenius.com slash Caleb right now to compare quotes from top companies and see how much you could save. That is policygenius.com slash Caleb. Stop being a liability to your family and start being a provider.

• 48:37Speaker 06

  You suck with money, so you download a budgeting app. You start with the classic one, YNAB, but everyone just deletes it because it's way too complicated to use. So you go to EveryDollar. That's Dave Ramsey, the personal finance guy, right? Well, they're going to force you to use it his way. That's not very personal finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end? Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like Dollar Wise. Built by these people just like you, for people just like you.

• 49:18Speaker 06

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• 49:26Speaker 02

  My daughter's 13. She helps me cut grass. My two youngest kids, they can be, you know, models for advertising.

• 49:32Caleb Hammer?

  You think this will survive an audit if you get audited?

• 49:34Speaker 02

  Yeah. A hundred percent. It's a, it's a, it's a tax code.

• 49:37Caleb Hammer?

  We ran it past the CPA.

• 49:39Speaker 02

  $15,000 a year per child, which is tax free for them and tax deductible for me.

• 49:44Caleb Hammer?

  You, you've ran this past the CPA?

• 49:47Speaker 02

  Yes.

• 49:48Caleb Hammer?

  Okay.

• 49:48Speaker 02

  Yeah.

• 49:49Caleb Hammer?

  I'm not, I'm not a hundred percent sure. He's not the fact check guy.

• 49:53Speaker 02

  Linzo, pull it up.

• 49:55Caleb Hammer?

  Yes, Linzo.

• 49:57Caleb Hammer?

  Um, okay. I don't know. We can look at it later. Um, but I'm very glad.

• 50:03Speaker 02

  Sitting here theoretically, what you could do is if you pay your children that money, I mean, you obviously have to make a certain income here, but what they do with their money doesn't matter. So theoretically, they could, they could pay bills for you.

• 50:19Caleb Hammer?

  And yet you're getting the child tax credit still, so I'm funding that. You're welcome.

• 50:22Speaker 02

  Thank you.

• 50:23Caleb Hammer?

  And you're just now gonna filing taxes and you get food stamps on top of that plus Medicaid. So, oh, I pay everything. That is the way we have set this up. Yeah, we're a dependent state now.

• 50:39Speaker 02

  The entire 200 billion yearly SNAP budget is the problem, but not the hundreds and hundreds and hundreds of billions of subsidies that go to corporations. But yes, the little guys.

• 50:47Caleb Hammer?

  Well, subsidies isn't money going to them typically. Subsidies is usually, usually it's tax benefits. So it's money they're not giving. Food stamps is still money going out.

• 50:57Speaker 02

  Right.

• 50:57Caleb Hammer?

  So it is different. You can't compare them one to one.

• 51:00Speaker 02

  Uh, it's not one to one.

• 51:01Caleb Hammer?

  Well, then you just made the one to one example.

• 51:03Speaker 02

  No.

• 51:04Caleb Hammer?

  And you know, those subsidies are usually set up in place for them to build like a corporate, uh, a campus so they employ more people.

• 51:10Speaker 02

  Which is fine to a certain degree, yes.

• 51:11Caleb Hammer?

  It still puts more money in the system because they bring in more employees. They have to pay payroll taxes on that on both ends. So what are you talking about?

• 51:19Speaker 02

  Okay, let's use oil and gas. Let's use oil and gas for an example. How much revenue did they generate? And how much of that revenue was profit? You're telling me that they deserve a $700 billion deduction or subsidy or whatever you want to call it to grow their business? When you make that much money, you can't fund your own business advancement?

• 51:37Caleb Hammer?

  I don't know about necessarily deserve, but I would still rather have money go to something that does create jobs, which actually provides a benefit.

• 51:44Speaker 02

  I mean, the SNAP program can only buy food.

• 51:45Caleb Hammer?

  Then people who literally do nothing, sit on their ass and just get.

• 51:50Speaker 02

  SNAP can only buy food.

• 51:51Caleb Hammer?

  She also gets Medicaid and she gets the child tax credits.

• 51:53Speaker 02

  Oh, no.

• 51:54Caleb Hammer?

  Child tax credits too. Literally just the money in her pocket.

• 51:57Speaker 02

  How many countries pay for people to have children? You want the pop, what's the population decline in all these other countries?

• 52:03Caleb Hammer?

  Doesn't matter. That has never once helped. Anytime benefits have been provided for having kids, it has never improved the situation. It happened for a year in Hungary and then it fell back down. So that's not even actually benefiting the overall issue. It's a populist policy. It's populism and populism isn't necessarily good. It just gets votes.

• 52:21Speaker 02

  Not a bad one.

• 52:23Caleb Hammer?

  Huh?

• 52:23Speaker 02

  It's not a bad one.

• 52:24Caleb Hammer?

  Not a bad one for you guys. You guys are takers, not givers.

• 52:27Speaker 02

  Oh.

• 52:28Speaker 01

  Even if we were to get married.

• 52:30Caleb Hammer?

  So do I agree with every tax credit? No, but I would still rather, if I have to choose between someone who literally does nothing and just gets shit versus creating jobs that at least help communities, I would choose that. That doesn't mean I'm like super pro subsidy.

• 52:43Speaker 02

  I have a job that helps communities, right?

• 52:45Caleb Hammer?

  You haven't filed your taxes. You only, you employ yourself.

• 52:48Speaker 02

  I will this year and guess what I'll pay? $0.

• 52:51Caleb Hammer?

  Why?

• 52:51Speaker 02

  I just explained to you how I'll do it.

• 52:53Caleb Hammer?

  So you're okay with the tax subsidies then?

• 52:55Speaker 02

  Exactly.

• 52:56Caleb Hammer?

  Okay, so you're okay with the tax.

• 52:58Speaker 02

  Point though, I'm, okay, I'm at this level of the socioeconomic ladder, right? I'm down here.

• 53:03Caleb Hammer?

  Average middle class, yeah.

• 53:04Speaker 02

  Whether I make, yeah, whatever it is, I'm going to play the benefits that are down here. The loopholes that exist, I'm going to use them.

• 53:09Caleb Hammer?

  Then why complain about that for others?

• 53:10Speaker 02

  Once my ladder goes up, I'm using it as an example that I'm just doing the same thing, but I'm doing it from down here. Oh, I hate the poor people because they're abusing the system. Oh, but I don't hate the rich people who are abusing the system. You see what I'm saying?

• 53:22Caleb Hammer?

  I didn't say that. I said if I have to choose one to one, I just set them against both. But if I have, if you're making the one to one example, I'm choosing the one that at least creates jobs.

• 53:33Caleb Hammer?

  I wasn't defending either.

• 53:34Speaker 02

  Okay.

• 53:35Caleb Hammer?

  But I would still rather do something that contributes to the overall system versus you that just mooches.

• 53:39Speaker 01

  I mean, well, the thing is too, I plugged all the numbers into ChatGPT, what he makes monthly or whatever, you know?

• 53:44Caleb Hammer?

  Stripper used ChatGPT, ladies and gentlemen.

• 53:46Speaker 01

  Yeah, there you go. Um, and even if we were to get married, the, the food stamps and the Medicaid would remain about the same because of the off season where he doesn't make much money for a six-person household.

• 54:02Caleb Hammer?

  That isn't actually successful, we should fund you?

• 54:05Speaker 01

  Yeah, thank you so much. I appreciate it.

• 54:07Caleb Hammer?

  Usually you're just like.

• 54:08Speaker 01

  It's not that it's not successful. It's starting your own business.

• 54:10Caleb Hammer?

  You should have to go get another job.

• 54:11Speaker 01

  Starting your own business always takes time in the first two years or statistically the hardest.

• 54:15Caleb Hammer?

  But you're taking on that risk yourself.

• 54:16Speaker 02

  Yeah.

• 54:17Speaker 01

  Which we did. And this is, now this year is going good. So this year we're gonna pay taxes.

• 54:20Caleb Hammer?

  Fund your risk. Isn't that on you?

• 54:22Speaker 02

  You're not funding my risk though.

• 54:23Caleb Hammer?

  We kind of are by putting food on the table and making sure they're taking the scene.

• 54:30Caleb Hammer?

  And plus the child tax credits, which is just literally money in your pocket. So yes, we actually are.

• 54:35Speaker 02

  You're funding her.

• 54:37Caleb Hammer?

  But even if you went jointly, like she said, thanks to ChatGPT, your benefits would stay the same even with your business because the off season.

• 54:43Speaker 02

  Okay, so if I didn't have my own company and I went and worked for some minimum wage job because that's, let's say that's all that I could qualify for.

• 54:49Caleb Hammer?

  Yeah.

• 54:50Speaker 02

  Nothing changes.

• 54:51Caleb Hammer?

  Well, that's at least you choosing to get a job, but you choosing to do your business that isn't successful is us essentially subsidizing that. It is a little different in the end. Because here's the reality, in capitalism, which is great, here's the reality.

• 55:03Speaker 02

  I don't do nothing. On the off season, I don't do nothing. I get a job.

• 55:06Caleb Hammer?

  In capitalism, the excitement is if you start a business and you're wildly successful, I want you to reap the rewards. But if you start the business and you fail, that's also on you. That's the risk of it. That's why we celebrate your reward and success because you did the sacrifice where you.

• 55:19Speaker 03

  Now, more than ever, we need someone on our side, but Rob Whitman? Whitman's votes drove up costs, cut Medicaid and risked 350,000 Virginians healthcare to pay for tax breaks for himself and his donors. He's not on our side. Shannon Taylor will fight corruption, cut taxes and bring down costs. This November, vote for Shannon Taylor. She's for us. Paid for by HMP, the HouseMajorityPact.com, not authorized by any candidate or candidate's committee.

• 55:48Caleb Hammer?

  May have lost everything. Why should we then actually say, you know, if you lose everything, no worries, we'll just fund you? That makes no sense. Go get a job like everyone else.

• 55:56Speaker 02

  I do, when I'm not working.

• 55:58Caleb Hammer?

  Sometimes, yeah, when you're not working. So which brings you to the $70,000 a year, right?

• 56:01Speaker 02

  Yeah.

• 56:02Caleb Hammer?

  Okay, so you're close to the median household income. I'm sure St. Louis is a little lower.

• 56:06Speaker 02

  Okay, let's talk about median household income. How many, how many millionaires and billionaires are in the United States? Do you think that's skewed the median household income?

• 56:14Caleb Hammer?

  Well, that's why median's there. It's skewed the average much more aggressively. That's why we use median.

• 56:18Speaker 02

  Right.

• 56:20Caleb Hammer?

  Yeah, so median's better.

• 56:21Speaker 02

  Yeah, but I feel like there's a lot more people who aren't making the, the median household income than that's what's listed.

• 56:28Caleb Hammer?

  What do you think just median is? Median's to get the median?

• 56:30Speaker 02

  It's a mean median mode. Yeah, I get it.

• 56:31Caleb Hammer?

  We'd rather do that than the average though. So at least we have something to work with here, buddy.

• 56:36Speaker 02

  Yeah, but I, I think those numbers are skewed. I know a lot more people who are making way less than $70,000.

• 56:42Caleb Hammer?

  Well, I'm glad in your life, but I'm just gonna go off of analytics.

• 56:44Speaker 02

  Okay.

• 56:45Caleb Hammer?

  But I'm glad you use anecdotal examples.

• 56:47Speaker 02

  Yeah. I'm just saying the data is skewed.

• 56:50Caleb Hammer?

  And guess what? I know some [BLEEP]ers. I know fat [BLEEP]ers too. I guess every [BLEEP] is fat.

• 56:55Speaker 01

  Back at you, bud.

• 56:56Caleb Hammer?

  I'm not a [BLEEP]er.

• 56:57Speaker 01

  Could be. Fat [BLEEP].

• 56:59Caleb Hammer?

  Oh, I'm just a billionaire, billionaire.

• 57:01Speaker 02

  That's cool. Yeah, it's actually awesome. I wish I paid $4 million in taxes. That would be sick.

• 57:05Caleb Hammer?

  Yeah, it went right to you.

• 57:06Speaker 02

  Yeah, it's awesome. You know why? Because that means you're making a lot of money. So I would, I would be glad to pay $4 million in taxes.

• 57:13Caleb Hammer?

  Oh, trust me. No, no, no. I'm very blessed to be in my position. I'm not complaining about that. I would just rather it actually benefits society and not have people that can just mooch.

• 57:20Speaker 02

  But it does benefit society. Healthcare and SNAP benefits society overall.

• 57:26Caleb Hammer?

  Potentially, I would want people who actually need it. Yes.

• 57:28Speaker 02

  Say statistically, statistically, there's more people that don't probably, you know, like her, just sitting at home. I would say statistically speaking, it's an overall net benefit to society. Yeah, there are some bad ends. What do you mean? You're saying, yeah, she doesn't do anything. She's getting government subsidies, right?

• 57:43Caleb Hammer?

  Yeah, that's not good.

• 57:44Speaker 02

  That's not the statistic though. I would say more than likely, the average person who's on the benefits.

• 57:50Caleb Hammer?

  Yeah, which is why I don't want to take it to zero.

• 57:52Speaker 02

  Right.

• 57:53Caleb Hammer?

  But I think it's also okay.

• 57:54Speaker 02

  You're saying it's not a net benefit to society. It is overall. Yes, you did.

• 57:58Caleb Hammer?

  No, no, I say I, well, to clarify my response then, if I accidentally insinuated that, I would rather make sure we're at least auditing the systems properly to make sure people like her are not qualified.

• 58:09Speaker 02

  Oh, 100%.

• 58:10Caleb Hammer?

  So I think that's fair, including the Pentagon. Don't get me wrong, he hasn't passed an audit. I'm with you, buddy. If money's wasteful, I don't want to, I've always said I'm willing to spend more on taxes if we make sure we're actually benefiting society more and if we're actually auditing our system. So I'm not against you on that. Yes.

• 58:26Speaker 02

  I agree.

• 58:27Caleb Hammer?

  Okay, but I don't think anyone likes writing a check for $4 million. That is money that could go to a lot of things that I would like to do in life.

• 58:36Speaker 02

  Yeah.

• 58:37Caleb Hammer?

  But instead it is going to things that we literally cannot audit or pass an audit of.

• 58:42Speaker 02

  Yeah.

• 58:42Caleb Hammer?

  So I don't think I am required to be happy about that.

• 58:46Speaker 02

  I mean, there, you could, you know, I'm sure you do it already. Reduce your taxable, you know, income and reinvesting in your company or other things.

• 58:53Caleb Hammer?

  Well, I mean, yeah, I mean, I employ people, but even still.

• 58:55Speaker 02

  But.

• 58:56Caleb Hammer?

  Yeah, but that's, I mean, reducing tax income. Like if I employ someone just to reduce tax income, I would still rather pay that 40% on that $75,000 than literally get zero from it. So that's not just how it works, buddy.

• 59:08Speaker 02

  Yeah.

• 59:08Caleb Hammer?

  You're taking, you're thinking of like a massive C corp that does a lot of funky shit, uh, use the tax code. I mean, I still need pocket or money in my pocket at the end of the day. So we don't do that shit. That's not what most small businesses do and we're a small business.

• 59:23Caleb Hammer?

  So no.

• 59:23Speaker 02

  Yeah, that's what I'm gonna do for this year and probably next year. You have up to five years to operate at a loss before the tax or the IRS labels you as a hobby and not a business. So.

• 59:31Caleb Hammer?

  And you filing quarterlies next year?

• 59:34Speaker 02

  Uh, maybe. I don't know. I'll have to talk to a CPA.

• 59:39Caleb Hammer?

  You'll be wanting to file quarterlies next year.

• 59:41Speaker 02

  Yeah. Well, this year I know I'll be able to write off of the truck that I got. I'll accelerate depreciation on that. Um, the interest on my other truck that I pay.

• 59:50Caleb Hammer?

  I'm not complaining about any of that, but the reality is, I don't know, if you're, if you're trying to make a big point about like, I should be happy about writing the check when we can't pass audits and there's people like her and many others on this show. Listen, I'm good with the child tax credit. I guess it's a populist policy. I love that. If it actually increased the, uh, birth rate, it doesn't, it never has in any other history. South Korea has massive benefits. It's still falling. Um, so, you know, it doesn't really work. The reality is, I mean, yeah, sure, it'd be great to be like a single household income and you guys can be in St. Louis off a 70. So I don't think we need to do extra support for you guys.

• 1:00:25Speaker 02

  Probably could.

• 1:00:26Caleb Hammer?

  Probably could, but you know, you're just gonna claim that your income is zero. So then we're gonna give everything. So, yippie, our system has no flaws and it's perfect. And I guess more people like me just should be forced to write checks.

• 1:00:40Speaker 02

  Oh, yeah.

• 1:00:40Caleb Hammer?

  You'll celebrate, I guess.

• 1:00:41Speaker 01

  I mean, that's why we're here.

• 1:00:43Speaker 02

  I'll be, no, I'll be, I, my goal is to be a part of that person who writes those checks.

• 1:00:47Caleb Hammer?

  Well, aren't you, wouldn't you also rather instead of that and just ruh ruh, let's take money, like, figure out, hey, what's the actual issues with where money is going first? And then, once we get that settled, okay, let's decide if we need more taxes, if we can do less, or if we should stay the same.

• 1:01:02Speaker 01

  Yeah, that's exactly why we're here and not filming a retirement planning documentary. That's why we're here for, that's why we're here and not planning a documentary for retirement or something else that we don't know anything about because we are not doing good with our taxes. We're not doing good with our finances. We're not doing good with budgeting.

• 1:01:18Caleb Hammer?

  What the fuck is she saying?

• 1:01:18Speaker 02

  I don't know. I think she's saying, right, we haven't filed taxes and we, or haven't made a budget is why we're here. I don't.

• 1:01:24Speaker 01

  Yeah, that's the whole reason you wanted me to come on the show, you said, for financial advice.

• 1:01:28Caleb Hammer?

  Financial audit.

• 1:01:29Speaker 01

  Okay, well, then why are you, why are the pieces not clicking? I'm, I'm, I'm seeing, yeah.

• 1:01:34Caleb Hammer?

  Piece is not clicking. I'm talking about, I'm talking about him being upset that I'm not excited for writing a check.

• 1:01:41Speaker 02

  No, I get, I get, I get what you're saying from the perspective of like.

• 1:01:44Caleb Hammer?

  What fumes were in that club?

• 1:01:45Speaker 02

  I don't know. Fixing the system, yeah, but I mean, the system exists as it exists. I would be okay, because again, like I said, statistically speaking, we're probably not the average situation.

• 1:01:57Caleb Hammer?

  No, you're not.

• 1:01:58Speaker 02

  So me writing a check towards the current system we have, yeah, would it suck at the end of the day? Sure, but as long as I'm making plenty of money to provide for my family, I don't care because I grew up in obscure poverty, like poverty, poverty.

• 1:02:10Caleb Hammer?

  I don't give a fuck. That doesn't mean you could just do whatever and have any opinion forever. Well, I grew up with foreclosure notices. They've all heard it.

• 1:02:17Speaker 02

  Oh, no, foreclosure notices. Is that the worst part about your childhood? I hear you say that all the time. Is that?

• 1:02:22Caleb Hammer?

  It's not the worst part, but it's an example of.

• 1:02:24Speaker 02

  I moved like, I don't know, five, six houses. Uh, I, I remember my mom like ODing and she was asleep for like four days when I was like nine years old because she took like forty Xanax.

• 1:02:33Caleb Hammer?

  Is this, are we having a competition? I'm just saying, I don't care. Just like, I don't care about mine either.

• 1:02:37Speaker 02

  Yeah, but the thing is, like, the mindset that you have is because you grew up in a certain situation. You grew up in a certain scenario, right? When I say I grew up in poverty, poverty.

• 1:02:43Caleb Hammer?

  So your mom OD'd, so you're gonna take your taxes to zero?

• 1:02:47Speaker 02

  Because I grew up in a different economic probably system than you did. The people that I surrounded myself with, that is how they operate and how they live life. So the things that I do, even at this age, are kind of based on the mindset that the people around me had.

• 1:03:03Caleb Hammer?

  Okay, everyone lives life based on their personal experience. Yes, we all know. What point are you trying, that meant nothing.

• 1:03:09Speaker 01

  You have to unlearn things that you have learned and been surrounded with your entire childhood.

• 1:03:14Caleb Hammer?

  Unlearn that. Not good. Don't do that for your kids.

• 1:03:15Speaker 01

  No, just being on assistance.

• 1:03:17Speaker 02

  Yeah, don't do drugs.

• 1:03:17Speaker 01

  Being on assistance.

• 1:03:18Caleb Hammer?

  How'd you learn that?

• 1:03:19Speaker 01

  That's where he was going with that, but.

• 1:03:21Caleb Hammer?

  Dare.

• 1:03:23Speaker 02

  Yeah.

• 1:03:25Caleb Hammer?

  Okay. Nancy Reagan, it worked, I guess.

• 1:03:28Speaker 02

  No, I just think that you have this like mentality of like, I did this something. So it's like, you can do it too, in the same exact way I did, or like, everybody has a different mentality.

• 1:03:37Caleb Hammer?

  I've always said, personal finance is called personal finance because it's personal. But I know that if I can do it, other people can do it, not necessarily the same way. But budgeting is still budgeting. The numbers work the same way. Money in, money out.

• 1:03:51Speaker 02

  Yeah, but what I'm talking, you're talking, we're talking about personal philosophies here of why I do some of the things that I do, right?

• 1:03:57Caleb Hammer?

  What am I criticizing?

• 1:03:58Speaker 02

  It's just not the mindset thing of.

• 1:04:01Caleb Hammer?

  What mindset?

• 1:04:04Speaker 02

  I don't know.

• 1:04:04Caleb Hammer?

  Exactly. You're being defensive about nothing. I was responding to you saying I should be happy that I'm writing a check. I'm happy I'm in a position where I get the right to check, but I'm not happy about losing money that could go towards life goals that I have, especially when the system is flawed. And I guess you're a fascist if you consider that there might be some fraud happening in this country.

• 1:04:25Speaker 02

  There's a whole lot of fraud.

• 1:04:26Caleb Hammer?

  Exactly. So what the was your point? That was pathetic and weird. What do you think your guys' financial score is? Zero to 10, zero being the worst, 10 being the best?

• 1:04:33Speaker 02

  One.

• 1:04:36Speaker 01

  I haven't seen the show, so.

• 1:04:37Caleb Hammer?

  But I heard you're super smart. I just described what the score would be.

• 1:04:40Speaker 01

  I'm just gonna go with what he said and say a one. It could be a two, a one, a maybe a zero. Are we even on the chart?

• 1:04:47Caleb Hammer?

  Oh, trailblazer you are. Going against the grain. Okay, well, if you want to figure out what your Hammer Financial Score is, take that assessment for free. It just takes a few minutes at CalebHammer.com. You see where you stand, where you're doing poorly, where you're doing great. If you don't want to end up like Gus on this show, besides not coming from households where your parents overdose, also just use a budgeting app and you will figure out where your money is going. Something you guys definitely need. So check out Dollar Wise. You get a free trial, dollarwise.com, link in the description below, or just download the app. Check it out. See if it works for you, like tens of thousands of monthly active users do. Sign up for the annual version because it saves almost 50% and you get the

• 1:05:25Caleb Hammer?

  physical version of my 30-day meal plan signed by me mailed directly to you and the digital version of our cookbook. Here you guys go. I don't know if it, woo. And where was it? St. Louis, they got grocery stores, but I think, I think you guys can use that.

• 1:05:39Speaker 02

  Should be good.

• 1:05:40Caleb Hammer?

  Okay.

• 1:05:41Speaker 02

  Thank you.

• 1:05:41Caleb Hammer?

  And I am sorry, again, like, I mean, I'm making light because I didn't really understand the point you're making, but I mean, I'm sorry for the place you came from, like, you know,

• 1:05:49Speaker 02

  No, I think.

• 1:05:50Caleb Hammer?

  And I'm sorry that you went, like, it's horrible that your parents went through overdoses. That's really sad and it's really tragic and I'm sorry. Um, I still didn't really understand the point you were trying to make and that's why I'm kind of making light of it, but that is tragic.

• 1:06:02Speaker 02

  No, I think it was.

• 1:06:03Caleb Hammer?

  And I'm glad you're not replicating that experience for your kids. That's important.

• 1:06:06Speaker 02

  I think the whole, the point, just the point that I was making was like, if I could be in a position to where I could write, you know, that big check to the, the IRS, yeah, it would suck, but it's like, from where I came from, that's like the least of my worries. You know what I'm saying?

• 1:06:17Caleb Hammer?

  It's the least of my worries too. Okay.

• 1:06:19Speaker 02

  That's all I was trying to say.

• 1:06:20Caleb Hammer?

  Doesn't mean I'm happy to do it.

• 1:06:22Speaker 02

  I, yeah, I mean.

• 1:06:23Caleb Hammer?

  So I don't, okay. I don't think anyone's, oh, no, I made lots of money. That's, that's really sad. Uh, okay, chime. So checking account first. That's interesting. And we do like chimechime.com forward slash Caleb. Get $200 for signing up. It's free. No reason not to. Did you guys get that $200?

• 1:06:38Speaker 02

  No.

• 1:06:39Caleb Hammer?

  You signed up before or without my link?

• 1:06:41Speaker 02

  I, I just found you like two months ago.

• 1:06:43Caleb Hammer?

  Oh, my friend, my friend.

• 1:06:44Speaker 01

  I haven't signed up.

• 1:06:44Caleb Hammer?

  $200. There you go. Get $200, lady. Link below. Wow, this is a lot of pay. Okay.

• 1:06:49Speaker 01

  Thanks more for money.

• 1:06:50Caleb Hammer?

  What are we doing in here? Who's chime?

• 1:06:51Speaker 02

  Mine.

• 1:06:52Caleb Hammer?

  Okay, what you doing here? What's going on with this? What am I looking at?

• 1:06:56Speaker 02

  Uh.

• 1:06:57Caleb Hammer?

  You're stopping in gas stations to give them some bullshit.

• 1:06:59Speaker 02

  Yeah, buddy.

• 1:07:00Caleb Hammer?

  What are you doing?

• 1:07:01Speaker 02

  Uh, bangs.

• 1:07:04Caleb Hammer?

  What? Oh, the energy drink?

• 1:07:05Speaker 02

  Yes, sir. Bang, bang, bang, bang.

• 1:07:08Caleb Hammer?

  I don't mean to do a plug too close to another one, but okay. Energy drink. Here you go. You're making this at home. Hey, girl, you know, you guys should be on a budget, so I'm just gonna let you know what this is so you can force them to do it at home. It is a powder. It turns into the most delicious substance you could ever imagine. It's called Gamer Subs. It's an energy drink. You make it at home with my discount code, 10% off Caleb. Link in the description below. You get it for 40 cents a serving. So like you make your coffee at home, instead of going to nasty ass Starbucks anyway, make it. I guarantee it's better than Bang. We put Bang in our blind taste test. This beat it by far. Wasn't even close to it, right?

• 1:07:40Speaker 02

  What flavor? What flavor were you banging?

• 1:07:41Caleb Hammer?

  What flavor were we banging? Remember?

• 1:07:46Caleb Hammer?

  It was a white can.

• 1:07:47Speaker 02

  That already sounds like trash.

• 1:07:48Caleb Hammer?

  Well, either way, that's better. I promise you.

• 1:07:50Speaker 02

  Purple haze slaps, bro. Peach mango.

• 1:07:52Caleb Hammer?

  Hmm.

• 1:07:53Speaker 02

  Oh, dragon fruit punch. That's what you gave me.

• 1:07:56Caleb Hammer?

  Yeah, that one's fruit punch. Oh.

• 1:07:58Speaker 02

  Oh. I tried to get the sample pack like two months ago when I found you and they were out.

• 1:08:04Caleb Hammer?

  Okay. Well, you can get those sample packs. Figure out what flavor you like. Link in the description below. Um, okay, uh, and then, yeah, so you're going to the gas station, you're getting a lot of bullshit. The direct deposit lease fund.

• 1:08:14Speaker 02

  Some of those.

• 1:08:15Caleb Hammer?

  $136. What's that?

• 1:08:16Speaker 02

  What is it?

• 1:08:17Caleb Hammer?

  $136 coal.

• 1:08:20Speaker 02

  Qualify.

• 1:08:20Caleb Hammer?

  Yeah.

• 1:08:21Speaker 02

  Washing dryer.

• 1:08:22Caleb Hammer?

  Renting or?

• 1:08:23Speaker 02

  No, no, it was, uh, what, four months, same as cash?

• 1:08:27Speaker 01

  Yeah.

• 1:08:28Caleb Hammer?

  Because it hit just a couple of days after that.

• 1:08:30Speaker 02

  That's because I went, she, okay, it's set up through her account.

• 1:08:34Speaker 01

  I wasn't paying attention.

• 1:08:35Speaker 02

  She was supposed to be paying it. She wasn't paying it. So then I went online and paid it and then I submitted the payment and it didn't show that it cleared. So then I did another payment and, and I went back and it's like, oh, okay. So I just double paid on it, but whatever.

• 1:08:48Caleb Hammer?

  Uh, Snapchat. Pay for Snapchat. I thought she was the Snapchat weirdo.

• 1:08:52Speaker 02

  I was restoring a streak with my daughter.

• 1:08:55Caleb Hammer?

  Okay, the 13-year-old?

• 1:08:56Speaker 02

  Yeah.

• 1:08:57Caleb Hammer?

  Yeah, okay. Venmo, not money, a lot of money. Amazon, Amazon Prime Video. Venmo, not money. Amazon, pull up the Amazon. Spotify, Afterpay. Amazon, Walmart. Yeah, but the Walmart is $54. Hard to know if that's groceries or bullshit from Walmart. I hope so. Sonic Drive-In, that certainly ain't groceries. I'll tell you that. Zip, three, so much, you're three, so much, zipping. What are you zipping, Zip?

• 1:09:20Speaker 02

  Uh, that was my daughter's tennis. She started tennis this year, so I got her racket shoes.

• 1:09:26Caleb Hammer?

  And you're zipping it?

• 1:09:28Speaker 02

  Yeah, but.

• 1:09:28Caleb Hammer?

  You make money.

• 1:09:29Speaker 02

  I, I know, I know. I'm at the point now where I'm making money. So I have like the opposite side of the spectrum. Like I look at my account. I'm like, oh, I don't want to spend the money. So then I'm like, oh, paying for, I'm like turning into like the Jew because it's like, I don't want to see my account fall below a certain level.

• 1:09:42Caleb Hammer?

  Are you a Jew for not wanting to lose money?

• 1:09:45Speaker 02

  Yeah, see, well, I didn't, I don't use the paying fours anymore because I didn't realize like the 30, whatever interest rate they charge. But when you do $200, like 30%, oh, it's an extra 10 bucks or whatever over a month.

• 1:09:56Caleb Hammer?

  I don't understand how that's being Jewish, wanting to have money in your checking account.

• 1:09:59Speaker 02

  Uh, come on, do I really need to explain this stereotype?

• 1:10:02Caleb Hammer?

  I do, but just having money.

• 1:10:04Speaker 02

  Money, right.

• 1:10:04Caleb Hammer?

  Yeah, but just having money isn't Jewish.

• 1:10:06Speaker 02

  I know, but.

• 1:10:08Caleb Hammer?

  I would, I would say having a lot of money.

• 1:10:10Speaker 02

  Well, for me, it's a lot of money.

• 1:10:11Speaker 01

  Yeah.

• 1:10:12Caleb Hammer?

  Well.

• 1:10:12Speaker 02

  It's more money than I'm used to having.

• 1:10:13Caleb Hammer?

  For you, not for the Jew.

• 1:10:14Speaker 02

  Exactly.

• 1:10:16Caleb Hammer?

  Okay, well, Venmo, not money, Prime Video.

• 1:10:20Speaker 02

  Subs, probably.

• 1:10:21Caleb Hammer?

  Amazon, Amazon, Groupon. Now that's Jewish.

• 1:10:24Speaker 02

  Oh, yeah. I remember what I did on there.

• 1:10:27Caleb Hammer?

  Venmo, not money.

• 1:10:28Speaker 02

  Yeah, I drank a lot of caffeine.

• 1:10:30Caleb Hammer?

  Where would we Venmo in hundreds of dollars to?

• 1:10:32Speaker 02

  Probably labor or.

• 1:10:34Caleb Hammer?

  I thought you said there is no one.

• 1:10:35Speaker 02

  My kids help me.

• 1:10:36Caleb Hammer?

  So your kids?

• 1:10:37Speaker 02

  Then my niece also helps me sometimes. And then every once in a while, if I'm packed up, I'll hire somebody.

• 1:10:42Caleb Hammer?

  What about when your kids are in school?

• 1:10:45Speaker 02

  Um, I'll just do it by myself. Yeah, I'll just do it by myself.

• 1:10:49Caleb Hammer?

  Okay, Venmo, Venmo, Amazon, Amazon. Pull up your Amazon.

• 1:10:51Speaker 02

  She should do that. She's the one who's.

• 1:10:53Caleb Hammer?

  Do it. Lady, now. Amazon. More Zip, you zipped. Amazon, Amazon, Amazon.

• 1:11:02Speaker 02

  Those same zip.

• 1:11:02Caleb Hammer?

  Venmo, Amazon, Amazon, Amazon. A lot of shit, by the way. This is, this is a crazy statement. Facebook, you're paying Facebook. You paid Facebook.

• 1:11:13Speaker 02

  That was, uh, probably had verified badge or whatever.

• 1:11:16Caleb Hammer?

  Oh, what the, what do you need to be verified?

• 1:11:18Speaker 02

  I'm monetized on Facebook.

• 1:11:19Caleb Hammer?

  Maybe?

• 1:11:20Speaker 02

  Business.

• 1:11:20Caleb Hammer?

  You're monetized? What are you monetized on?

• 1:11:22Speaker 02

  Making a whole lot of 15 bucks a month.

• 1:11:24Caleb Hammer?

  Doing what?

• 1:11:25Speaker 02

  Just making reels, content.

• 1:11:27Caleb Hammer?

  What reels? Blackface reels?

• 1:11:29Speaker 02

  Lawn care, uh, opinionated pieces.

• 1:11:32Caleb Hammer?

  What's your most radical opinion?

• 1:11:35Speaker 02

  Um.

• 1:11:38Speaker 02

  Government sucks, left wing, right wing sucks. Probably the biggest one that I'm on now is-

• 1:11:42Caleb Hammer?

  Government sucks for the ones. He's gonna be happy when he gives millions of taxes to it. Okay, it's an interesting philosophy. I don't think that's a radical position. No one really likes politics.

• 1:11:51Speaker 02

  No, you'd be surprised how many people are either on one side or the other.

• 1:11:54Caleb Hammer?

  Well, certainly, but whatever. Okay, that's not a fun radical. Do you don't have a fun radical position for me?

• 1:11:59Speaker 02

  Uh, no, not really.

• 1:12:03Caleb Hammer?

  If you or your child spent years growing up on social media and experienced serious mental health struggles, you should hear this. Recently, a jury ordered Meta and YouTube to pay millions for their role in designing and promoting addictive platforms. They knew their apps could contribute to anxiety, depression, and body image issues, but did not share those risks while prioritizing profits. The recent historic verdict underscores the consequences of those decisions. Now Morgan and Morgan is stepping up to hold these platforms accountable for the harm they caused. Click the link in my bio to take a short quiz. You may be entitled to a potential recovery of over $1,000. Ladies and gentlemen, I got something new to help you that we have personally built.

• 1:12:45Caleb Hammer?

  Right here on Calebhammer.com, we have three new Caleb Hammer Financial Resources. They are the ones I would personally use, which is why we made them for you to use. As you've already heard me talk about, personal loans are okay when you're good at debt. I personally use them when I can leverage them for a situation. So we have good personal loans on Calebhammer.com. We also have auto insurance now. You can check for free and see if you can save a shit ton of money on auto insurance. And then to close it off for now, because we're building more, we have a debt relief program. You've seen how hard it is for people to get out of debt on this show. This makes it so much easier, but only if you're actually ready to change.

• 1:13:25Speaker 03

  Now, more than ever, we need someone on our side, but Rob Whitman? Whitman's votes drove up costs, cut Medicaid, and risked 350,000 Virginians' healthcare to pay for tax breaks for himself and his donors. He's not on our side. Shannon Taylor will fight corruption, cut taxes, and bring down costs. This November, vote for Shannon Taylor. She's for us. Paid for by HMP, the House Majority PAC.com, not authorized by any candidate or candidate's committee.

• 1:13:54Caleb Hammer?

  Remember, none of this actually matters if you continue the same bad behavior. So it's not for you if you still suck. But if you've proved you can budget, check out these three programs from personal loans to debt relief to car insurance to see if you can save a shit ton of money across the board. Go to Calebhammer.com or the Caleb Hammer Financial Resources part of the pinned comment or description below and save a shit ton of money.

• 1:14:17Speaker 02

  I mean, personal accountability is like usually my main thing.

• 1:14:23Caleb Hammer?

  Says the man who's gonna show up in blackface.

• 1:14:25Speaker 02

  Work hard. You know, like you said, there's no excuse. I grew up in whatever, you know, if I could do it, you could do it too, that type of shit.

• 1:14:31Caleb Hammer?

  I thought you were about to talk about the Jews a few minutes ago.

• 1:14:35Speaker 02

  I can't, I can't, uh-

• 1:14:37Caleb Hammer?

  Scared?

• 1:14:37Speaker 02

  Yeah, not a good look.

• 1:14:40Caleb Hammer?

  But you were gonna show up in blackface. We had to tell you no.

• 1:14:43Speaker 02

  Yeah, that should tell you something.

• 1:14:44Speaker 01

  That's the first time I've ever heard him say that's not a good look and actually cared about something.

• 1:14:48Caleb Hammer?

  Yeah, why are you pussified on camera, pussy?

• 1:14:50Speaker 02

  No, the Jew topic is a little more, you know, controversial, probably the blackface.

• 1:14:57Caleb Hammer?

  Yes, I'm asking for your controversial take. I'd like to know where you stand in this world.

• 1:15:01Speaker 02

  AIPAC sucks. Bibi's terrible person, terrible leader.

• 1:15:08Speaker 02

  That's it. Zionism is bad.

• 1:15:12Caleb Hammer?

  Question on Zionism, what's Zionism?

• 1:15:14Speaker 02

  The Christians who support and believe that Israel is the Holy Land and we must protect them at all costs.

• 1:15:20Caleb Hammer?

  Okay, if I'm not mistaken, I think the original version of Zionism, like the definition is just that there should be a Jewish state.

• 1:15:28Speaker 02

  That's probably fine.

• 1:15:30Caleb Hammer?

  Okay, so a classic version.

• 1:15:31Speaker 02

  Yeah, there's nothing wrong with like Israel as, you know, a place.

• 1:15:36Caleb Hammer?

  But I don't think that's how that word's used very much.

• 1:15:38Speaker 02

  Yeah.

• 1:15:39Caleb Hammer?

  Uh, I don't know, I think this, okay, we got a high chair, hair extensions for kids, uh, fake plants or watering pots. I don't think we need that to survive. Same with the potty mix, we don't need that to survive.

• 1:15:49Speaker 02

  I got a-

• 1:15:50Caleb Hammer?

  Chalk markers.

• 1:15:51Speaker 02

  Tattoo removal I'm doing. My grandma gave me an aloe plant, so I bought a-

• 1:15:55Caleb Hammer?

  What?

• 1:15:56Speaker 02

  I'm getting tattoo removal, so I got an aloe plant to rub aloe on it for recovery.

• 1:16:02Caleb Hammer?

  CVS one time. Probably cheaper than this watering plant.

• 1:16:06Speaker 02

  Probably, but aloe's good for a lot of stuff.

• 1:16:08Speaker 01

  I don't know, honestly, I think that was a cheaper route. We got the plant for free.

• 1:16:12Caleb Hammer?

  Thirty bucks, but you can use it a bunch. Then you gotta go to the water, yeah, but a little aloe thing, how often are you getting a tattoo removal?

• 1:16:17Speaker 02

  Every four, six weeks.

• 1:16:18Speaker 01

  And aloe is amazing, I mean, sunburns.

• 1:16:20Caleb Hammer?

  What book? The book called Divorce.

• 1:16:23Speaker 02

  Oh shit.

• 1:16:24Caleb Hammer?

  Why is that?

• 1:16:25Speaker 01

  Looks like a good book.

• 1:16:27Caleb Hammer?

  No, does it?

• 1:16:27Speaker 01

  I'm not even married, I don't have anything to prep for.

• 1:16:30Caleb Hammer?

  That's true, that is true. Rose gold plated chain, go fuck yourself. Do we not know what situation we're in here? That's not funny. Purple hair mask, lots of cables. Uh-oh, thank goodness you canceled the AirPods, because you can't afford that shit. Uh, you don't need a soundbar to survive.

• 1:16:51Speaker 02

  Yeah, I bought, I bought-

• 1:16:52Caleb Hammer?

  Shut the fuck up, you don't have that shit. You don't have money.

• 1:16:55Speaker 02

  I bought a VHS and a DVD player and the aux connect.

• 1:16:58Caleb Hammer?

  Guys, this is all bullshit. It's all just bullshit.

• 1:17:00Speaker 02

  Yeah, I know.

• 1:17:01Caleb Hammer?

  This is all bullshit.

• 1:17:02Speaker 02

  Yeah, you should see me when I'm riding around on a lawnmower and I get a notification that Amazon, $20, Amazon, $30, Amazon, $20.

• 1:17:08Caleb Hammer?

  Then do we have a conversation about it?

• 1:17:10Speaker 02

  Yes, I have a conversation.

• 1:17:11Caleb Hammer?

  Then tell me, what does that look like?

• 1:17:13Speaker 02

  Uh, why are you buying shit on Amazon that we don't need?

• 1:17:16Speaker 01

  And I'd be like, we need it.

• 1:17:18Speaker 02

  Everything is a need, Caleb. If you can use it, it's a need.

• 1:17:22Caleb Hammer?

  That was a need, by the way, on there, except for maybe the high chair.

• 1:17:24Speaker 01

  His work pants, those were on there.

• 1:17:26Caleb Hammer?

  Okay, I'm fine with that. Not fine with the other 80 items.

• 1:17:29Speaker 02

  Yeah, I bought those.

• 1:17:31Caleb Hammer?

  Girl.

• 1:17:32Speaker 02

  We haven't even got, you haven't even-

• 1:17:33Speaker 01

  My daughter's hair bows, okay?

• 1:17:34Caleb Hammer?

  Yeah, that's not a need.

• 1:17:35Speaker 01

  Is she just not gonna have bows in her hair? That sounds like a need to me.

• 1:17:38Caleb Hammer?

  A bunch of colored bows and the hair extensions, you did not need that shit.

• 1:17:41Speaker 02

  You haven't even got to the tax credit statement from her-

• 1:17:45Caleb Hammer?

  Oh.

• 1:17:46Speaker 02

  Originally, we're gonna come on, this was right after taxes had hit. She spent like over $2,000 on Amazon.

• 1:17:52Speaker 01

  Yeah, for the house. How am I supposed to be a homemaker if you don't want me to make the home a home?

• 1:17:57Caleb Hammer?

  You don't.

• 1:17:59Speaker 02

  I'm not there enough to care, so-

• 1:18:01Speaker 01

  I mean, I am, that's the thing. I have to look at the same four walls every day.

• 1:18:04Caleb Hammer?

  Why are we spending so much on the time credit card? The new balance is substantial.

• 1:18:08Speaker 02

  That was just, um, the chime, whatever, like kinda like the Fizz or Mindcard, whatever it's called now. That's what it was.

• 1:18:14Caleb Hammer?

  But the balance is still substantial.

• 1:18:15Speaker 02

  Anytime I would use my debit card, it would just be through that.

• 1:18:18Caleb Hammer?

  Well, it's $3,451.57 now. You're going in, getting some bullshit again. Energy drinks, used gamer subs, Netflix, getting bullshit, LeVell order, Sonic Drive-In, Chick-fil-A, it's all bullshit. Going in, getting some bullshit, energy drink, energy drink, energy drink, Taco Bell, Steak and Shake, Starz Entertainment, who the fuck even gets that shit? Cash advance, anything that would draw off $300, what the fuck are we doing?

• 1:18:44Speaker 02

  Hold on, that was for, uh, that was my son's dirt bike.

• 1:18:47Caleb Hammer?

  Energy drink, Chick-fil-A, Texas Roar House, Immo's Pizza, Immo's Pizza, sunglasses, concessions by Below Dairy Queen, schnucks, and energy drink. The spending on here is insane. This is crazy, and you do owe it.

• 1:19:03Speaker 02

  Hey, 50% of all of my-

• 1:19:04Caleb Hammer?

  In order to be able to spend more on there, you do owe it.

• 1:19:06Speaker 02

  50% of my energy drinks.

• 1:19:07Caleb Hammer?

  So the ending balance in your time secured, this is the time secured card. Now, this is a separate one, the one that I think you were talking about, is $5,398. Okay, and that's just moving money back and forth. Listen, once you're ready to get back into the workforce and not be a surfer, please, for the sake of every man, I'll get you a course career certification. A lot of people in the audience have used that. That you can get in project management and tech and the trades. Convert it into a six-figure job like many people out there have. They're incredible. I'll get you that for free. You guys get a discount, but, okay, Equifax, what is this? Okay, so this is your Equifax, what is this? A credit card.

• 1:19:49Speaker 02

  T B O M mill? That's my son's mastercard.

• 1:19:54Caleb Hammer?

  Cam, being told you are practically the dumbest guest that's sending statements we've ever had. Why are you over the limit? $581.

• 1:20:02Speaker 02

  Yeah.

• 1:20:03Caleb Hammer?

  The limit is 500.

• 1:20:04Speaker 02

  Wait, wait, wait, hold on, hold on. Uh, that might have been a fee.

• 1:20:08Caleb Hammer?

  Why? Mispayment?

• 1:20:09Speaker 02

  No, okay, it's not a mispayment. It was a late payment, because I'm an idiot and I didn't realize that even if it's one day after the due date, they hit you with the late payment.

• 1:20:19Caleb Hammer?

  Why would they not?

• 1:20:19Speaker 02

  I do, I thought you missed the whole like month, you like, you know?

• 1:20:22Caleb Hammer?

  No, that's when it becomes a mispayment on your credit.

• 1:20:25Speaker 02

  Yeah.

• 1:20:26Caleb Hammer?

  Me, dude.

• 1:20:27Speaker 02

  I only paid that once. That's only happened once you tried.

• 1:20:29Caleb Hammer?

  Why was it at the limit already?

• 1:20:31Speaker 02

  Uh-

• 1:20:33Caleb Hammer?

  I'd like to see what you're spending on this, but you didn't send me the statement because you were sending statements.

• 1:20:37Speaker 02

  I don't know.

• 1:20:38Caleb Hammer?

  What is the nose thing and the lip thing?

• 1:20:41Speaker 02

  It's cleft lip.

• 1:20:42Caleb Hammer?

  What is it?

• 1:20:42Speaker 02

  You're born with it.

• 1:20:43Caleb Hammer?

  You're born with it?

• 1:20:44Speaker 02

  Yes.

• 1:20:44Caleb Hammer?

  Is that a brain injury?

• 1:20:45Speaker 02

  No.

• 1:20:45Caleb Hammer?

  Why the fuck couldn't you send us statements?

• 1:20:48Speaker 02

  I don't remember why I didn't send a statement for that one.

• 1:20:50Caleb Hammer?

  Well, any of them, I have the credit report next.

• 1:20:54Speaker 02

  There is statements.

• 1:20:55Caleb Hammer?

  The rest of this is all the credit report, literally, except for your time.

• 1:20:59Speaker 02

  They fucked up. I emailed them.

• 1:21:01Caleb Hammer?

  Email them? What do you, what do you mean?

• 1:21:03Speaker 02

  I emailed the statements?

• 1:21:05Caleb Hammer?

  No, you didn't.

• 1:21:06Speaker 02

  Yes, I did. You wanna pull up the sent on my phone? I 100% did.

• 1:21:10Caleb Hammer?

  You could, you have it, you can pull it up. Pull up the email. Yeah, pull it up right now. Let's see.

• 1:21:15Speaker 02

  Casting, it's on the casting.

• 1:21:17Caleb Hammer?

  Really? Cause they're, uh, that was the-

• 1:21:22Speaker 02

  I couldn't?

• 1:21:23Caleb Hammer?

  You couldn't send a PDF to save your fucking life.

• 1:21:25Speaker 02

  All right, well, then maybe I'm the most person on the show.

• 1:21:28Caleb Hammer?

  That's what I'm saying.

• 1:21:29Speaker 02

  Yeah, well, then that's probably why it didn't come through.

• 1:21:32Caleb Hammer?

  Cause you didn't send it. Yeah, that would, that would do it. Wait, I'm being told you wanna join the Air Force.

• 1:21:40Speaker 02

  It's a possibility.

• 1:21:41Caleb Hammer?

  What? How? You can't be a pilot.

• 1:21:44Speaker 02

  No, I can't. I'm too old.

• 1:21:46Caleb Hammer?

  Well, that and-

• 1:21:47Speaker 02

  Air Force, Air Force is the only thing that I can, actually, I can join the Army, but I don't wanna do that.

• 1:21:51Caleb Hammer?

  What do you wanna do in the Air, why do you wanna join the Air Force? You have a good business going on.

• 1:21:55Speaker 02

  Because the off-seasons suck, for one, but also like, I want to make more money on a consistent basis, like-

• 1:22:05Caleb Hammer?

  Yeah, but you'll be away and all this stuff, and you have so many kids.

• 1:22:07Speaker 02

  Yeah, but once we get married, I only have to go to boot camp and then the job training and then they'll be shipped out with wherever I'm at.

• 1:22:14Caleb Hammer?

  Okay, so what do you wanna do?

• 1:22:16Speaker 02

  Uh, something in like cybersecurity or intelligence, something like that, something along those lines.

• 1:22:22Caleb Hammer?

  Okay, I'm being told you wanna get injured and get the benefits.

• 1:22:25Speaker 02

  Oh, the benefits are great.

• 1:22:27Caleb Hammer?

  But that benefit, the disability.

• 1:22:29Speaker 02

  Uh, VA loan, the boots to business, the disability.

• 1:22:32Caleb Hammer?

  Those, the disability, though, you would be the person.

• 1:22:34Speaker 02

  You know it, buddy.

• 1:22:35Caleb Hammer?

  You guys.

• 1:22:36Speaker 02

  If the system didn't exist, man, why would you not? Why would you not?

• 1:22:41Caleb Hammer?

  Yeah, it doesn't mean you're not a piece of shit for it.

• 1:22:43Speaker 02

  Yeah, that could, sure, fair. You're entitled to your opinion, as I am entitled to-

• 1:22:48Caleb Hammer?

  That's barely even an opinion. Abusing a system? That's meant there to help people?

• 1:22:53Speaker 02

  Yeah, but it does help people.

• 1:22:54Caleb Hammer?

  It does, so does food stamps. Doesn't mean you're not abusing it.

• 1:22:57Speaker 02

  Yeah.

• 1:22:58Caleb Hammer?

  Which makes you a piece of shit.

• 1:22:59Speaker 02

  No.

• 1:23:00Caleb Hammer?

  Okay.

• 1:23:01Speaker 02

  I disagree.

• 1:23:01Caleb Hammer?

  Oh, I'm glad, I'm glad you disagree.

• 1:23:06Caleb Hammer?

  Can't send statements. That's who we cared about, his opinion. Okay, um, Atlas, we owe $218.

• 1:23:15Speaker 02

  What the?

• 1:23:16Caleb Hammer?

  I don't know. It's Web Bank or ETLS or Imagine.

• 1:23:21Speaker 02

  Oh, that's an Imagine Visa.

• 1:23:23Caleb Hammer?

  Okay, you owe $218 on this.

• 1:23:26Speaker 02

  Yeah.

• 1:23:27Caleb Hammer?

  And the minimum payment is $27. I'd love to see what you spent on it, but again, you can't. It's hard for me to give the advice of like what to cut back on. What you even spent on it to get it to that. It's hard for me to give any advice of what to cut when I actually don't even know what your spending is outside of your checking. And the time credit, because you can't send statements. I can't. I can barely do a full, I can do a budget at the end. But I can't say what to adjust from your current, because I don't know what got you here, because you can't send statements.

• 1:23:56Speaker 02

  I wish they would have told me. I sent those on six two. I sent those on six two. Somebody should have said, hey, we didn't get any statements from you.

• 1:24:03Caleb Hammer?

  We tell you. We tell you.

• 1:24:06Speaker 02

  If I download the Dollar Wise app, I can tell you what I spent.

• 1:24:09Caleb Hammer?

  You went over all of it on the phone. I don't remember. As you were going through the credit report, line by line.

• 1:24:16Speaker 02

  Yeah, I sent the credit report in and that went through.

• 1:24:19Caleb Hammer?

  You know that.

• 1:24:20Speaker 02

  Yeah.

• 1:24:20Caleb Hammer?

  We.

• 1:24:22Speaker 02

  So I just don't, I don't understand why the other statements didn't go through.

• 1:24:26Speaker 02

  I sent them the same way. Actually, no, they were not PDFs. I screenshotted them from my phone, cropped it, and I sent them in email as a picture.

• 1:24:37Caleb Hammer?

  A PDF?

• 1:24:38Speaker 01

  Probably what happened then, you went to go send the pictures and you didn't select all the pictures that you needed to send. This would be my guess.

• 1:24:44Caleb Hammer?

  Dude, I don't even know what to do with you. Okay, well, this one's in collections. Applied Bank.

• 1:24:50Speaker 02

  That's a credit card.

• 1:24:51Caleb Hammer?

  Yeah, but it's in collections.

• 1:24:52Speaker 02

  Yeah.

• 1:24:53Caleb Hammer?

  Why?

• 1:24:54Speaker 02

  Uh, so that would be whenever I tried to buy the company.

• 1:24:58Caleb Hammer?

  $525? That's all it's in collections?

• 1:25:01Speaker 02

  No. Um, I tried to buy the company. I was working for salary for this guy for 60,000 a year. I had a credit card. I was doing good. I was making my payments.

• 1:25:09Caleb Hammer?

  When was that?

• 1:25:10Speaker 02

  Two years ago.

• 1:25:11Caleb Hammer?

  And you didn't file your taxes?

• 1:25:13Speaker 02

  No.

• 1:25:13Caleb Hammer?

  And you were on benefits while he made 60,000 hours a year? I hate, I hate this country.

• 1:25:18Speaker 02

  No, you, I don't think.

• 1:25:19Caleb Hammer?

  We're not gonna last another 250 years.

• 1:25:20Speaker 01

  I wasn't at that time because on, yeah, I couldn't.

• 1:25:23Speaker 02

  Yeah, I don't think she was.

• 1:25:25Caleb Hammer?

  You guys had no benefits whatsoever?

• 1:25:26Speaker 02

  No.

• 1:25:26Speaker 01

  No, not at that time.

• 1:25:27Caleb Hammer?

  You say so.

• 1:25:29Speaker 02

  But I was clearing like a thousand bucks a week. We had less. But so I basically lifestyle inflated. I got, took on two personal loans. I had a credit card. I was making the payments on all of them.

• 1:25:38Caleb Hammer?

  Then buy the business?

• 1:25:40Speaker 02

  No, this is pre, pre buying the business. So I wanted to buy the company from my boss. He wanted to get out of mowing. I'd been working for him for like three years at this point. Doing everything besides basically cashing the checks. So I'm like, you know what? I can start my own company. He's like, well, I'll sell you mine. And I'm like, okay. So he tells me what he wants for it. I don't have the best credit. I contact SBA.

• 1:26:01Caleb Hammer?

  How much was it gonna cost?

• 1:26:02Speaker 02

  It was like 120,000 for all the equipment, all the clients and all that stuff.

• 1:26:06Caleb Hammer?

  Sure.

• 1:26:07Speaker 02

  And so I contacted SBA lender. She goes through my credit report. We get, you know, everything where it needs to be. And she's like, well, you need a cosigner. And I'm like, okay, well, I could try to find one. So I reach out to a bunch of people, can't get anybody, even if I offered them like, you know, monthly payment or percentage or anything like that. And I was like, I'll ask her grandpa. And he's like, yeah, I'll do it. Bring me a business plan. Show me all the, you know, business revenue, everything they make, what they're doing. And I'm like, all right, cool. So we get going. Go back to her. She's like, we could do it. It's gonna be a variable rate loan. And he was like, yeah, I don't know about a variable rate loan. I talked to another guy. He said the same thing. So then my old boss was like, well, go to my bank and ask my lender. And so I go to him, talk to him.

• 1:26:51Caleb Hammer?

  Is this ending with you didn't get approved?

• 1:26:53Speaker 02

  I didn't. Well, because the, the other lender gave me an option. He said, do this, this, this. Take care of these on your credit report and we'll talk, we'll get it done. So it takes me like three weeks. I get everything paid off. I go back to him and then he's like, yeah, we're not gonna do it.

• 1:27:06Caleb Hammer?

  Okay, wonderful. So great. Uh, uh, T B O M. Um, you still owe on it. It's not in collections. 1,550, $1,055. It's a credit limit of a thousand. Minimum payment, $53. Don't know why the it's over the limit. Can't see your spending. And that'll be kind of what's happening. This is a collection. Uh, I don't know what it was for, because it's a part of the collection agency now, but it's 850. It isn't, you didn't answer why things were in collections, though.

• 1:27:34Speaker 02

  Uh, because I.

• 1:27:35Caleb Hammer?

  That was my question, by the way.

• 1:27:36Speaker 02

  Because once I couldn't get the loan for the company, I had already started marketing. I had already started marketing for my business and I.

• 1:27:44Caleb Hammer?

  Moronic.

• 1:27:45Speaker 02

  No, because it.

• 1:27:46Speaker 01

  How else are you gonna get a business off the ground?

• 1:27:48Speaker 02

  It was planned to go through. This guy made it sound like, the banker made it sound like, if you get these things done, we will do the loan.

• 1:27:53Caleb Hammer?

  If you didn't sign.

• 1:27:54Speaker 02

  Right, I understand, but I was prepping, rolling, getting, trying to make sure that as soon as we hit the ground.

• 1:27:58Caleb Hammer?

  He's always right. That's why he's in this position.

• 1:28:00Speaker 02

  And so.

• 1:28:01Caleb Hammer?

  Yeah, you keep defending it.

• 1:28:02Speaker 02

  Here's the other thing. My cousin comes up to me, who's been roofing for like 15 years, and he goes, look, you do the lawn care stuff. I'll handle, we can open a roofing side of this company as well, and I'll be the project manager, basically.

• 1:28:14Caleb Hammer?

  Doesn't mean you should be doing all this money behind marketing before you own the business.

• 1:28:18Speaker 02

  Yeah, I understand that.

• 1:28:19Caleb Hammer?

  So what the fuck are we talking about?

• 1:28:20Speaker 02

  I get the roofing supplies. I get the roofing materials. We start doing some roofs. Okay, so everything is taking off. I tell my boss, hey, I have to quit. This roofing stuff is going along. I'm taking on landscaping jobs. I don't have time to dedicate to your company and my business. So I put in my two weeks. And then it turns out, my cousin, who told me all this shit that he could do with roofing, had no idea what he was actually doing, couldn't project manage anything.

• 1:28:47Caleb Hammer?

  Just like you. That's crazy.

• 1:28:48Speaker 02

  Yeah, so.

• 1:28:49Caleb Hammer?

  I don't know. What the?

• 1:28:51Speaker 02

  Didn't have a job.

• 1:28:52Caleb Hammer?

  Okay.

• 1:28:53Speaker 02

  Credit cards didn't pay. You ask how that happened. There you go. That's how it happened.

• 1:28:56Caleb Hammer?

  Okay, student loans. Who's this for?

• 1:28:58Speaker 02

  Me.

• 1:28:59Caleb Hammer?

  Okay, it's not huge. What's the? What's going on with it?

• 1:29:05Speaker 02

  I went to do, uh, online at WGU for an accounting class. I had a.

• 1:29:12Caleb Hammer?

  You haven't made a payment.

• 1:29:13Speaker 02

  I had a PEL or a FAFSA.

• 1:29:15Caleb Hammer?

  WGU, everyone WGU, man.

• 1:29:17Speaker 02

  I ended up dropping out.

• 1:29:19Caleb Hammer?

  Why is your governor's university? It's like fucking.

• 1:29:22Speaker 02

  So it went to, I guess, default.

• 1:29:24Caleb Hammer?

  Okay, uh, $2,437. Oh, are you making payments?

• 1:29:29Speaker 02

  No, it's on, uh, hold or I don't know what happened with it.

• 1:29:32Caleb Hammer?

  Well, you would have requested it at this point, because it wouldn't be automatic.

• 1:29:35Speaker 02

  I did like, I don't know, two years ago. I have no idea what's going on.

• 1:29:38Caleb Hammer?

  You should look at it, because that actually might fuck you up. And they'll put it in default, like 11% of student loans out there, so. Call them. Again, it's hard for me to give advice without actually seeing shit, because you won't give a shit, but. Because you're. Okay, collections. Your student loan payment, by the way, is probably like 30 bucks.

• 1:29:57Speaker 02

  Okay.

• 1:29:58Caleb Hammer?

  Um.

• 1:29:58Speaker 02

  I'll look into that then.

• 1:29:59Caleb Hammer?

  Yeah, look into everything. Actually, it would be preferred, because then I don't have information. Okay, collections, 3,420, probably for the roofing bullshit, the bullshit, bullshit, bullshit.

• 1:30:09Speaker 02

  No, one was a personal loan for, was that OVNV funding?

• 1:30:12Caleb Hammer?

  Yeah, the three of them are.

• 1:30:14Speaker 02

  Yeah, one was for like carpets for.

• 1:30:15Caleb Hammer?

  Yeah, you own a home. Guys, these are the guys getting a home. All you have to do is scam the system, you know, get a home.

• 1:30:21Speaker 02

  No, we bought it like 10 years ago.

• 1:30:22Speaker 01

  Yeah, we bought it before we started scamming the system, long before that. And then inflation happened.

• 1:30:28Speaker 03

  Now, more than ever, we need someone on our side. But Rob Whitman? Whitman's votes drove up costs, cut Medicaid, and risked 350,000 Virginians' healthcare to pay for tax breaks for himself and his donors. He's not on our side. Shannon Taylor will fight corruption, cut taxes, and bring down costs. This November, vote for Shannon Taylor. She's for us. Paid for by HMP, the House Majority PAC dot com. Not authorized by any candidate or candidate's committee.

• 1:30:57Caleb Hammer?

  Wait, what? Huh? You only owe 44, 42,000?

• 1:31:00Speaker 01

  Yep.

• 1:31:00Speaker 02

  4,700. Or 3,400. 4,000, 4,300, whatever it says, yeah.

• 1:31:06Caleb Hammer?

  Oh, yeah, 5,749.

• 1:31:07Speaker 01

  We bought it brand new in 2016.

• 1:31:09Caleb Hammer?

  Brand new what?

• 1:31:10Speaker 02

  2016.

• 1:31:10Caleb Hammer?

  Trailer?

• 1:31:11Speaker 02

  Uh huh.

• 1:31:11Caleb Hammer?

  Oh, you, okay, you guys are not homeowners. Gotcha.

• 1:31:14Speaker 01

  No, we own it.

• 1:31:15Speaker 02

  Yeah.

• 1:31:16Caleb Hammer?

  Yeah, not a home.

• 1:31:17Speaker 02

  Yeah.

• 1:31:18Caleb Hammer?

  You own a trailer.

• 1:31:19Speaker 01

  Right.

• 1:31:19Caleb Hammer?

  You're a depreciating asset. It's a house, you don't own a home, and it's a depreciating asset. Do you own the land it's on?

• 1:31:24Speaker 02

  No.

• 1:31:24Caleb Hammer?

  Okay, then this isn't, that's not.

• 1:31:27Speaker 02

  You'd be surprised what they sell for.

• 1:31:28Caleb Hammer?

  That, it's, it's better than before. I'll give it that, but you certainly aren't getting like the real estate market value. And you definitely don't own land.

• 1:31:34Speaker 02

  No.

• 1:31:37Caleb Hammer?

  Child support enforcement?

• 1:31:39Speaker 02

  Yeah, so that was supposed to be written off, um, whenever.

• 1:31:43Caleb Hammer?

  It's closed, but it's not off your credit. The payment is 100 bucks a month.

• 1:31:47Speaker 02

  Yeah, we have, I have 50, 50.

• 1:31:49Caleb Hammer?

  7,749.

• 1:31:50Speaker 02

  It was supposed to be whenever I was getting that loan, my ex wrote, um, when I was trying to buy the business. She filled out a form to get that stuff taken off of my credit report.

• 1:32:01Caleb Hammer?

  Well, it's there. Are you making the payment?

• 1:32:03Speaker 02

  Go through. No, because we have, we have 50, 50. I pay her.

• 1:32:07Caleb Hammer?

  Let's let that go to collections. Okay, this Amazon card, $139. Yeah, that'll just be paid off with one payment, so. I can worry about that. Upstart, what's going on here? Oh, it's in collections.

• 1:32:18Speaker 02

  Yep.

• 1:32:19Caleb Hammer?

  Yeah, that's wonderful.

• 1:32:22Caleb Hammer?

  Listen to him for advice. $502, first premier in collections.

• 1:32:26Speaker 02

  Credit card.

• 1:32:27Caleb Hammer?

  Okay, 49, or 658. This is what you want to be with? Car. Hey, it's active. What is it? What do we have?

• 1:32:37Speaker 02

  What's?

• 1:32:37Caleb Hammer?

  It's a car.

• 1:32:40Speaker 02

  Buy my truck.

• 1:32:40Caleb Hammer?

  It's a vehicle. Yes, okay, what is it?

• 1:32:43Speaker 02

  Uh, 2,003 Ford F250.

• 1:32:47Caleb Hammer?

  Okay. Oh, okay, how is it?

• 1:32:49Speaker 02

  Uh.

• 1:32:50Caleb Hammer?

  $8,022.

• 1:32:53Speaker 02

  Does the job.

• 1:32:53Caleb Hammer?

  Payment 332. I don't know the interest rate. I know nothing.

• 1:32:57Speaker 02

  25%.

• 1:32:58Caleb Hammer?

  25%? Why? Well, because you have a shit ton of collections, because you refuse to be a responsible adult and any aspect of your life whatsoever.

• 1:33:06Speaker 02

  True that.

• 1:33:07Caleb Hammer?

  That's pathetic. You want to be with that?

• 1:33:08Speaker 02

  Yeah, 25.

• 1:33:09Caleb Hammer?

  Of course.

• 1:33:12Caleb Hammer?

  I mean, I've honestly given up on your, your life. So it's a tip, typical value for that car right now is about 5,000 bucks.

• 1:33:17Speaker 02

  It's due now. It's less than that.

• 1:33:19Speaker 01

  Yeah.

• 1:33:19Caleb Hammer?

  Oh, great. Well, you owe those 8,000 and 25%, so.

• 1:33:23Speaker 02

  Yeah.

• 1:33:23Caleb Hammer?

  I mean, guys, I don't know. Just the way you live life is kind of pathetic. Your worldviews are kind of pathetic. It's just like, what hope is there? Little. But let me try to do a budget, I guess. Um, your minimum payment, and yes, this will consume a mortgage, because it's not really a mortgage. It's a loan on a depreciating asset.

• 1:33:39Speaker 01

  I mean, you can.

• 1:33:40Speaker 02

  It's a lot.

• 1:33:41Speaker 01

  I mean, it does depreciate.

• 1:33:42Caleb Hammer?

  $1,105. Yes, it does depreciate. Thank you.

• 1:33:45Speaker 01

  100%, but we're gonna get all of our money back and then some, once we sell it. So at least we had a place to call home for 11 years.

• 1:33:54Caleb Hammer?

  It's an asset. I'm not, I'm not trashing that. I'm just, I can't give it the benefit of real estate.

• 1:33:59Speaker 01

  Okay.

• 1:33:59Caleb Hammer?

  It's not real estate.

• 1:34:00Speaker 01

  Okay, you're right. It's not.

• 1:34:01Speaker 02

  It's like personal property, right?

• 1:34:03Caleb Hammer?

  It's like a vehicle. You own a vehicle.

• 1:34:05Speaker 01

  Person, yeah, personal property.

• 1:34:06Caleb Hammer?

  Whatever. I don't care. Uh, income. Are you setting 30% aside for taxes?

• 1:34:10Speaker 02

  Uh, this year, no, no.

• 1:34:11Caleb Hammer?

  Well, I'll give you an income of 5,000, because you should be.

• 1:34:14Speaker 02

  All my deductions, there's no way. That's why I'm not.

• 1:34:18Caleb Hammer?

  Yeah, I would, I would love to see you get audited. What is your rent to the land?

• 1:34:22Speaker 02

  410.

• 1:34:24Caleb Hammer?

  Okay, utilities and everything, does that come with it?

• 1:34:26Speaker 02

  Uh, no.

• 1:34:27Caleb Hammer?

  Okay, what's all utilities combined plus internet?

• 1:34:30Speaker 02

  Just elect, uh, electrics 180, internet's 50.

• 1:34:37Caleb Hammer?

  Okay, 2:30. Phone bill, how much?

• 1:34:40Speaker 02

  Uh, 2:46.

• 1:34:43Caleb Hammer?

  Why?

• 1:34:44Speaker 02

  She has a new phone.

• 1:34:46Caleb Hammer?

  When you guys are done, I would just switch to helium. It's 15 bucks a line. It is so good. There's kids lines as well with great protections. I think like zero bucks. By the way, it's same coverage as like T-Mobile and stuff. So I would definitely do that, but you have to pay off your phones first. Gas, vroom, vroom, drive, drive. How much?

• 1:35:00Speaker 02

  That's a hard one because of what I do.

• 1:35:01Caleb Hammer?

  Average.

• 1:35:02Speaker 02

  Uh, I mean, last month I spent $3,700 on gas.

• 1:35:07Caleb Hammer?

  Okay, perfect. Car insurance, how much?

• 1:35:09Speaker 02

  Uh, that is 250.

• 1:35:12Caleb Hammer?

  You have insurance on the house?

• 1:35:14Speaker 02

  Uh, it's included in the mortgage.

• 1:35:15Caleb Hammer?

  Okay. Uh, necessary food, phew, it is a little difficult at that. I'll give you guys like a thousand bucks. I think should be fine. You're just meal prepping like crazy. Probably eat out like crazy. I just can't see.

• 1:35:26Speaker 02

  I want to meal prep because I spend $10 a day.

• 1:35:29Caleb Hammer?

  Yeah, you do. It's insane. Absolutely.

• 1:35:31Speaker 02

  On flatbreads.

• 1:35:32Caleb Hammer?

  TP fund, anything else you and your kids need to survive is 300 bucks. It's toilet paper, it's school supplies, whatever. It changes month to month the things. Medical health care, they're copays on a monthly basis?

• 1:35:41Speaker 02

  Um, I don't go to do, I don't do anything. So no.

• 1:35:44Caleb Hammer?

  Okay. I guess we're on government. Yep. Okay. Subscriptions, I'll try 50 bucks, 60 bucks. Cause you know, the kids and everything. Uh, you have pets? Yeah. You have the dog. Just the dog?

• 1:35:53Speaker 01

  Uh, we have two dogs, two cats.

• 1:35:55Caleb Hammer?

  Okay.

• 1:35:56Speaker 01

  Yeah.

• 1:35:57Caleb Hammer?

  That's $200 for pet insurance. You want to keep them alive and certainly can't afford what? You don't care?

• 1:36:02Speaker 02

  I'm not doing no pet insurance.

• 1:36:04Caleb Hammer?

  Okay, he's evil. Why are you with this?

• 1:36:05Speaker 01

  I know. He literally doesn't care about animals.

• 1:36:07Caleb Hammer?

  Okay, like we talked about the upbringing. When I grew up, like animals were just like pets. They're just pets. Hey, guess what?

• 1:36:14Speaker 01

  People love their pets.

• 1:36:15Caleb Hammer?

  As you've established, how you grew up is not good. Made you become a decent human.

• 1:36:19Speaker 02

  I, they're fine.

• 1:36:21Caleb Hammer?

  That's weird. Pet food, how much?

• 1:36:22Speaker 02

  Uh.

• 1:36:24Speaker 01

  We went over it.

• 1:36:25Speaker 02

  80 bucks a month. I have everything written down.

• 1:36:26Speaker 01

  We went over it and I would say like for litter and food. Litter and food, I would say like 200 a month. Litter food between both cats, both dogs and the litter. And the litter liners and we have to, we have an automatic litter box.

• 1:36:41Speaker 02

  Which is like a gym. That's 75.

• 1:36:42Caleb Hammer?

  Oh, gym 75. Nice. That's good.

• 1:36:45Speaker 02

  Um, 80 for the animals. That includes litter and food.

• 1:36:48Speaker 01

  Oh, okay.

• 1:36:49Caleb Hammer?

  Okay, 80.

• 1:36:50Speaker 02

  160 bucks is, uh, my kids jujitsu and kickboxing.

• 1:36:53Caleb Hammer?

  That's in the TP fund. Where you put it is where you put it.

• 1:36:56Speaker 02

  Uh, $150 a month on a trailer that I own, like a utility trailer.

• 1:37:00Caleb Hammer?

  Well, that's a debt, right?

• 1:37:02Speaker 02

  For work, yeah.

• 1:37:03Caleb Hammer?

  Why didn't I have that debt?

• 1:37:05Speaker 02

  Uh, it's probably because it's like a rent to own type shit. I don't know if it pops up on your credit.

• 1:37:11Caleb Hammer?

  No, probably not. Okay. Anything else?

• 1:37:15Speaker 02

  Um, oh yeah. $240 a month for her

• 1:37:20Speaker 02

  blowy thing.

• 1:37:21Caleb Hammer?

  Blowout?

• 1:37:22Speaker 01

  My portable breathalyzer.

• 1:37:24Caleb Hammer?

  Oh, 240. Well, you do have to do that.

• 1:37:26Speaker 02

  And then $600 a month to her grandparents.

• 1:37:29Caleb Hammer?

  Do we have to do that?

• 1:37:31Speaker 02

  Yes.

• 1:37:31Caleb Hammer?

  Why?

• 1:37:32Speaker 02

  Cause they're the ones who paid for the DUI.

• 1:37:34Speaker 01

  They have said several times that they're okay with us waiting until we're at a better place.

• 1:37:40Caleb Hammer?

  What's the balance you owe?

• 1:37:41Speaker 02

  Uh, I just paid him 500 like two days ago. So 3,000.

• 1:37:45Caleb Hammer?

  For how long?

• 1:37:46Speaker 02

  3,000. So.

• 1:37:47Caleb Hammer?

  So there we go. I'll add three to the debt.

• 1:37:48Speaker 01

  8,000.

• 1:37:49Caleb Hammer?

  And hey, with the rent, the rent to own, how much is that? The trailer?

• 1:37:53Speaker 02

  How much do I owe on it? Uh, like 1,200.

• 1:37:56Caleb Hammer?

  I have to add that to your debt. Okay. If 7,000 dollars comes in and we save no money for taxes, you technically have wiggle room of like 1,500 a month. I'm going to guess because your guys' budget is messy and weird because I don't know your, your income's but if you actually set aside money for taxes properly, then you'd be fine. I don't know. Your debt situation, you owe like 18,000 to the grandpa, right? Or something?

• 1:38:17Speaker 01

  Uh, eight.

• 1:38:18Caleb Hammer?

  Eight, okay.

• 1:38:19Speaker 02

  She crashed her car without insurance a few years ago and they co-signed for it. So.

• 1:38:22Caleb Hammer?

  Oh, good. Why not? So what's your debt? Like 32,000 actually in reality? I don't know. Again, it was a mess. You couldn't send us shit. 1,500 bucks a month. You guys will be debt free in less than two years. Whatever. It's fine.

• 1:38:34Speaker 02

  I have no debt outside of whatever's on that credit report.

• 1:38:37Caleb Hammer?

  No, you have the rent to own and you have the family debt.

• 1:38:40Speaker 02

  No, I mean collections wise or like anything like that.

• 1:38:42Caleb Hammer?

  That's fine. Collections is not.

• 1:38:44Speaker 02

  My credit cards were paid up at that time.

• 1:38:46Caleb Hammer?

  Whatever, guys. Okay. Less than two years. This is a mess. I can't do it for real if you don't give me the actual shit and I can't see the statements. So what a waste of time. The post show will be better because I'm actually going to go through something fun. Whatever's hiding on that Snapchat is crazy and I'm excited to see it. Let me tell you, it's going to be crazy. Join Hammer Elite. Let's get your Hammer Financial score first, your real one. Spending in a budget, can't tell you're spending. So X, go yourself. I'll comment this is zero because you can't send PDS, debt, you have collections, zero out of 10. Emergency fund, Dancy Savings, zero out of 10.

• 1:39:17Speaker 02

  Retirement, zero.

• 1:39:18Caleb Hammer?

  Retirement, zero. Real estate, you don't own land, you don't own real estate.

• 1:39:21Speaker 02

  For the air force.

• 1:39:21Caleb Hammer?

  Okay, Hammer Financial score, zero out of 10. I don't give a, let's go to the post. This is stupid. I'll see you there. Join Hammer Elite. Three premium shows better than the last 20 minutes of that piece of shit. I'll tell you that. Uh, every single day, six days a week. It's incredible. Join by clicking the join button or link in the description below, or you can go off platform hammerlead.com or join in the Hammer Elite app. See you there. Oh, lots of messages from people. Some women, some men. He asked, what are you comfortable with? Nudes in the bath, good. Full body, titties, ass, late. What?

• 1:39:51Speaker 02

  Yeah. What the is that?

• 1:39:52Caleb Hammer?

  She said, I know I said knows about it, but he doesn't lol.

• 1:39:57Speaker 02

  Crazy.

• 1:39:58Caleb Hammer?

  Hi, you can save those pics, but can you delete them from chat just to be safe?

• 1:40:01Speaker 01

  Don't, you don't have to.

• 1:40:02Caleb Hammer?

  You can read it right there.

• 1:40:04Speaker 01

  No.

• 1:40:04Caleb Hammer?

  Who's that? Somebody else?

• 1:40:06Speaker 01

  It's not very much money.

• 1:40:07Caleb Hammer?

  I go work 12, 13, 14 hours a day. What is this? I just launched the brand new Hammer Elite app available on every major platform. So you can watch every show anywhere you want. You'll get three exclusive dedicated shows every single day, Monday through Saturday. Refer a friend after you sign up and you get an additional 30 days of Hammer Elite access for free. Download the Hammer Elite app by using the link in the description or pin comment down below. This is the best membership you'll ever join and that's a promise.