Financial Audit's Most Vile Mother

*WE FIND OUT HER "MAN" BLOCKED HER AND CHANGED HIS NUMBER* and when I call him, we find out she's been stalking him... It's INSANE. 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 IS FINALLY LIVE!! 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 Mid-year audience survey *4 people will win $250 each* take it here: https://forms.gle/a9neyA9aQUtFp6vM9 ============================= *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 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://calebhammer.com/master-your-debt ============================= *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 01:48 Job & Income 06:30 aaaand bad mom of the year goes to... 15:20 that is the dumbest logic possible for having two children with the same dad loool 17:02 oh good, shes stalking more victims!! 32:20 shes putting more effort into random men than TAKING CARE OF HER KIDS 34:25 oh good, shes very much mentally unstable 40:30 she is not cute enough to be this crazy 55:00 chat, do we like her? comment down below. 01:09:09 okay lady, public school is NOT the issue here loool 01:14:56 okay ill say it, i hope she breaks her elbow 01:22:55 bullsh*t bullsh*t bullsh*t 01:25:22 budget!! ============================= Want more content? ============================= 🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips 🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel 🍿 Caleb Hammer Top Videos https://www.youtube.com/@CalebHammerTopVideos ============================= *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.

• 0:00Speaker 00

  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 HouseMajorityPac.com. Not authorized by any candidate or candidate's committee.

• 0:29Speaker 01

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• 0:49Speaker 00

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• 0:59Caleb Hammer?

  To watch episodes of Financial Audit a week earlier, check us out on YouTube. How much do you spend on their fun?

• 1:04Speaker 03

  We don't do fun. I don't have time for fun.

• 1:06Caleb Hammer?

  Okay, that's what they're gonna remember, not time with their mother.

• 1:09Speaker 03

  No, they won't remember that. They'll remember the YouTube that, you know, raising them, not me.

• 1:14Caleb Hammer?

  Yeah, no, the 12-year-old already had SJW-colored hair, so I wouldn't necessarily say that. And definitely had emo fit. Those wrists will be [BLEEP].

• 1:22Speaker 03

  They already are. So I financed the flight to Idaho to meet this guy that I met online.

• 1:28Caleb Hammer?

  Literally, your kid has almost died multiple times.

• 1:30Speaker 03

  She hasn't almost died. You're being dramatic.

• 1:33Caleb Hammer?

  You spend money and time on [BLEEP]. You do not spend money and time on them.

• 1:36Speaker 03

  Well, listen.

• 1:37Caleb Hammer?

  So there is no other answer than you prioritize [BLEEP] over your kids. You're an obsession without the [BLEEP] spell on you.

• 1:45Speaker 03

  I can't help it. I just want him to like me back.

• 1:47Caleb Hammer?

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• 2:16Speaker 03

  Hello, I'm Astrid. I'm 32. I'm from Fargo, North Dakota, and this is Financial Audit.

• 2:23Caleb Hammer?

  Thanks for coming down to Austin. That's definitely a long journey. I appreciate it.

• 2:27Speaker 03

  Yes.

• 2:27Caleb Hammer?

  Okay, so the Dakotas is an interesting situation. I try to stay in the data on the show to figure out how people are doing in their area. The Dakotas is a weird thing, and I think it's North Dakota specifically with the fracking boom and everything.

• 2:40Speaker 03

  Oh, yes.

• 2:41Caleb Hammer?

  Wage is dramatically higher. I'm assuming cost of living has gone with it, but I'm not 100% sure and if at what ratio. So I actually don't know that. You're gonna have to tell me, but I want to know first, obviously. What do you do for a living?

• 2:56Speaker 03

  I am a community liaison during the day, and then I'm a barista at night and on the weekends.

• 3:01Caleb Hammer?

  Why are you baristing extra? What do you make from the community liaison?

• 3:05Speaker 03

  Like, per month or per hour, per...

• 3:08Caleb Hammer?

  Sure, any.

• 3:09Speaker 03

  What do you want?

• 3:10Caleb Hammer?

  Something, something, just anything, however you think about it.

• 3:14Speaker 03

  From the community liaison, sorry.

• 3:16Caleb Hammer?

  I assume your main job, yes.

• 3:18Speaker 03

  Yes, my day job.

• 3:19Caleb Hammer?

  Your day job?

• 3:20Speaker 03

  My day job. $4,400 take home monthly? I only get paid monthly.

• 3:24Caleb Hammer?

  How much a month?

• 3:25Speaker 03

  $4,400.

• 3:26Caleb Hammer?

  Okay, so in this community liaison job, is, um, in the other places around the country, these community liaisons are making over six figures a year.

• 3:38Speaker 03

  Must be nice.

• 3:39Caleb Hammer?

  Well, why do you live somewhere where you make not over six figures a year? It is kind of your choice, because you're baristing.

• 3:47Speaker 03

  Yeah.

• 3:48Caleb Hammer?

  After work.

• 3:49Speaker 03

  To get paid twice a week. Or bi-weekly, bi-weekly.

• 3:54Caleb Hammer?

  Huh? So you get paid once a month from the community liaison?

• 3:58Speaker 03

  Yes, from my day job.

• 3:59Caleb Hammer?

  Whole budget, and you'll be fine?

• 4:00Speaker 03

  I can't. I put all my bills at the beginning of the month. Yeah, obviously not.

• 4:04Caleb Hammer?

  If you need a second job, that's not about getting paid on more times a month. You just literally need the money because you can't make that one paycheck per month stretch through the month.

• 4:14Speaker 03

  Yeah, so I got another job.

• 4:16Caleb Hammer?

  Yeah, I know, but it's not so that you can get bi-week. It's because you just need more money or you spend too much money. So the second job, you're a barista, is it like Starbucks?

• 4:24Speaker 03

  It is Starbucks, yes.

• 4:26Caleb Hammer?

  We'll use that opportunity. Take it and to the benefits if you want to get a degree or something. Because clearly, community liaisons do not make a lot of money in Fargo, North Dakota.

• 4:37Speaker 03

  Yeah.

• 4:38Caleb Hammer?

  What do you make from Starbucks?

• 4:39Speaker 03

  Um, $16 an hour.

• 4:42Caleb Hammer?

  I saw two kids out there.

• 4:44Speaker 03

  Yes. I claim them when they're behaving.

• 4:48Caleb Hammer?

  Uh-huh. Do you ever see them? How's this working?

• 4:52Speaker 03

  No, not really. They're kind of...

• 4:54Caleb Hammer?

  Who's taking care of them?

• 4:55Speaker 03

  A little bit ratchet, taking care of themselves, you know? Yeah.

• 4:58Caleb Hammer?

  Oh, well, how's the...

• 4:59Speaker 03

  They're little street rats.

• 5:00Caleb Hammer?

  Who's the oldest one there?

• 5:02Speaker 03

  12, she's gonna be 13.

• 5:03Caleb Hammer?

  Okay, so is she watching the youngest? Is that, is that how we're doing it? Okay, and you know, that happens.

• 5:07Speaker 03

  Essentially, yeah.

• 5:08Caleb Hammer?

  Well, maybe that's what happened in my household.

• 5:10Speaker 03

  Yeah.

• 5:11Caleb Hammer?

  Okay, and the youngest?

• 5:12Speaker 03

  She's gonna be 10.

• 5:14Caleb Hammer?

  Okay. Um, so what hits your account on a monthly basis from Starbucks?

• 5:19Speaker 03

  Um, from Starbucks, depends on how much I work, but...

• 5:22Caleb Hammer?

  Average month, come on.

• 5:23Speaker 03

  Let's say about 800 is what I average it to.

• 5:27Caleb Hammer?

  So $800 is literally making or breaking your life? How? What's going on?

• 5:32Speaker 03

  Um, I guess it's just getting paid every two weeks, you know?

• 5:36Caleb Hammer?

  No, it's not. It's objective.

• 5:37Speaker 03

  Yes, it is. That's...

• 5:38Caleb Hammer?

  It's objective.

• 5:39Speaker 03

  No, no, no, no. That is it. That is it. That is why.

• 5:42Caleb Hammer?

  It can't be. Because, no, if you're following a budget when you were paid once a month, you would get that $4,400 to be able to stretch for that month. It's not about the payment cycle for you. You clearly aren't making enough money.

• 5:54Speaker 03

  Yes, um, so...

• 5:55Caleb Hammer?

  But it's not the paycheck cycle.

• 5:57Speaker 03

  A little bit of both. So when I took my position that I'm in now, um, I lost all the mandatory overtime that I had before.

• 6:04Caleb Hammer?

  Uh-huh, well, why'd you take this position then?

• 6:06Speaker 03

  Because it's comfy. It's Monday through Friday.

• 6:08Caleb Hammer?

  Okay, well, you're literally having to work a second job, so clearly it's not comfy. Your kid is watching your other kid every single night because you can't be mother. Hey, where's the dad?

• 6:17Speaker 03

  Listen.

• 6:18Caleb Hammer?

  You took some loads. Where's the penis that came with it? I'm trying to listen. I asked you a question so I could listen.

• 6:25Speaker 03

  He's around-ish.

• 6:26Caleb Hammer?

  I don't know what that means.

• 6:27Speaker 03

  But he's kind of homeless. He's staying with different women, whatever his current girlfriend is at the time. Why would he stay with me?

• 6:34Caleb Hammer?

  Well, he is the producer of your children. I assume you guys were together, especially since the kids are a couple of years apart. Yeah, what the [BLEEP]? That's what I'm asking, clearly.

• 6:42Speaker 03

  We mature differently. He doesn't like to work a lot.

• 6:47Caleb Hammer?

  Okay, well, you like to get the comfy job, which makes you work more.

• 6:51Speaker 03

  And I like to get the comfy job, but I work at least. I don't have excuses.

• 6:54Caleb Hammer?

  I will give you that. But you picked the comfy job, which makes you have to... You enjoy Starbucksing?

• 6:59Speaker 03

  Yeah, I do, actually. I love it a lot.

• 7:01Caleb Hammer?

  But to get away from your kids?

• 7:04Speaker 03

  I bring them treats and they're happy for that.

• 7:06Caleb Hammer?

  Uh-huh.

• 7:07Speaker 03

  They like treats.

• 7:07Caleb Hammer?

  That's what they're gonna remember, not time with their mother later in their life.

• 7:11Speaker 03

  No, they won't remember that. They'll remember the YouTube that's, you know, raising them, not me.

• 7:17Caleb Hammer?

  Oh, that's gonna go incredible for them. They're gonna be well-adjusted.

• 7:21Speaker 03

  Yes.

• 7:22Caleb Hammer?

  No.

• 7:23Speaker 03

  Yes. They're fine. Look, you saw them. They're fine.

• 7:26Caleb Hammer?

  Yeah, no, the 12-year-old already had SJW-colored hair, so I wouldn't necessarily say that. And definitely had emo fit. Those wrists will be [BLEEP].

• 7:35Speaker 03

  They already are.

• 7:40Caleb Hammer?

  Actually?

• 7:43Caleb Hammer?

  I'm not gonna make fun of a 12-year-old for... As obviously, I was trying, I was working. I was like making fun of you. I'd be, oh, I'm not gonna make fun of a kid.

• 7:53Speaker 03

  Yeah, no.

• 7:54Caleb Hammer?

  Well, no, I'm not going to, but I'm gonna call you a piece of shit. You're not around.

• 7:57Speaker 03

  You can do that.

• 7:58Caleb Hammer?

  Hey, hey, if a kid is in that situation already...

• 8:01Speaker 03

  Yeah.

• 8:03Caleb Hammer?

  I think mother needs to be around.

• 8:05Speaker 03

  Yeah, I think it was just... Listen!

• 8:08Caleb Hammer?

  What is wrong with you? No!

• 8:10Speaker 03

  I think it was just because of her last girlfriend-boyfriend she had because they were doing it a lot. And that's [BLEEP] doing it, yes.

• 8:18Caleb Hammer?

  Um, yeah, but you need to be around more.

• 8:20Speaker 03

  I can't. I gotta work.

• 8:22Caleb Hammer?

  Because you chose to do the comfy job. If you're...

• 8:24Speaker 03

  Yes.

• 8:26Caleb Hammer?

  If your kid is literally bleeding herself to death, you need to be there, and you choosing a comfy job over that as being a selfish [BLEEP] of a mother.

• 8:37Speaker 03

  They're superficial. She was dying, not like the other one.

• 8:42Caleb Hammer?

  It's along her veins, superficial.

• 8:43Speaker 03

  Yes. Yes. Versus the other one that was in the hospital all the time.

• 8:49Caleb Hammer?

  Who?

• 8:50Speaker 03

  Her boyfriend-girlfriend.

• 8:51Caleb Hammer?

  So she would have ended up there!

• 8:52Speaker 03

  No, she wanted him! She's fine. They broke up. She's fine. Everything's fine.

• 8:58Caleb Hammer?

  Oh, intervention, please, on behalf of this [BLEEP] kid.

• 9:01Speaker 03

  She's fine.

• 9:02Caleb Hammer?

  What?

• 9:03Speaker 03

  She's good.

• 9:04Caleb Hammer?

  No, I don't think so. Sure, I don't, listen.

• 9:07Speaker 03

  We didn't, yeah.

• 9:09Caleb Hammer?

  How many?

• 9:10Speaker 03

  A lot. Everywhere.

• 9:12Caleb Hammer?

  Everywhere?

• 9:13Speaker 03

  Everywhere. Legs, chest, arms, because she was trying to show them off. She was wearing like little shorts and everything, so I'd yell at her about it.

• 9:23Caleb Hammer?

  Shit, no one knew this. Dude, you're evil.

• 9:28Speaker 03

  No.

• 9:28Caleb Hammer?

  You're choosing a comfy job over being with your kid? That's evil. That's evil. That's [BLEEP] evil. Your kid obviously needs you.

• 9:35Speaker 03

  She'd do it even if I was home.

• 9:37Caleb Hammer?

  Then you're a horrible mother! Mental institutions is where we start looking and help and care.

• 9:43Speaker 03

  We're working on it.

• 9:45Caleb Hammer?

  No, you're not there.

• 9:47Speaker 03

  But one day...

• 9:49Caleb Hammer?

  One day, if she's lucky enough to be around.

• 9:51Speaker 03

  She'll be there.

• 9:52Caleb Hammer?

  That's not how that works with accidental [BLEEP].

• 9:55Speaker 03

  It wa... I wouldn't say it was accidental.

• 9:58Caleb Hammer?

  No, I'm saying, and the [BLEEP] that isn't meant to be life-destroying could accidentally nick something.

• 10:04Speaker 03

  Sure.

• 10:08Caleb Hammer?

  Exactly, and you're not there.

• 10:10Speaker 03

  You're right, I'm working.

• 10:11Caleb Hammer?

  Because you chose the comfy job.

• 10:13Speaker 03

  Yeah.

• 10:14Caleb Hammer?

  You're a bad person.

• 10:16Speaker 03

  No.

• 10:17Caleb Hammer?

  Yes.

• 10:18Speaker 03

  No.

• 10:18Caleb Hammer?

  Oh. Oh, I don't know.

• 10:21Speaker 03

  She's fine, look at her.

• 10:22Caleb Hammer?

  For now, for now, dude, it's the for now situation, and I'm sorry, that many scars is not fine. That many scars is not.

• 10:29Speaker 03

  She's over it now, though.

• 10:30Caleb Hammer?

  We don't know that, people that.

• 10:31Speaker 03

  No, I do know.

• 10:33Caleb Hammer?

  No, no, that's something that people fall in and out of.

• 10:35Speaker 03

  Yeah.

• 10:35Caleb Hammer?

  That's one of the, yeah. So you know.

• 10:38Speaker 03

  I'm familiar with, you know, how that kind of stuff works. I've had friends that do it and stuff.

• 10:43Caleb Hammer?

  What?

• 10:44Speaker 03

  But, you know, I think there was a difference between people who want to do it.

• 10:50Caleb Hammer?

  Maybe she needs the dad, because clearly the mother refuses to be in her life.

• 10:53Speaker 03

  No, they.

• 10:54Caleb Hammer?

  What's the dad thing?

• 10:54Speaker 03

  They blamed their dad for their trauma, so they don't.

• 10:58Caleb Hammer?

  And then you're not there to support them and help them through it.

• 11:00Speaker 03

  Right, because I got a.

• 11:01Caleb Hammer?

  Right.

• 11:03Speaker 03

  Gotta work for a living, Caleb.

• 11:05Caleb Hammer?

  Chose the comfy, what were you making in the less comfy? Mandatory overtime job.

• 11:09Speaker 03

  Mandatory, well, it was just a mandatory.

• 11:11Caleb Hammer?

  Yes, how much were you making?

• 11:12Speaker 03

  Um, probably like, like fifty, six hundred to six grand a month.

• 11:18Caleb Hammer?

  Well, you're at fifty-two now, so yes.

• 11:20Speaker 03

  Yeah, but.

• 11:21Caleb Hammer?

  You're being a selfish.

• 11:22Speaker 03

  No, listen, so when I was making more money, I was spending more money. It doesn't fix anything.

• 11:29Speaker 03

  I wanted to be home with my kids. Was the original idea.

• 11:34Caleb Hammer?

  But you're not.

• 11:34Speaker 03

  It was the idea, you know, that's what we started with.

• 11:37Caleb Hammer?

  How long have you been doing this idea that is clearly broken in every way whatsoever?

• 11:41Speaker 03

  Like three years.

• 11:42Caleb Hammer?

  What? What, three years? You have a?

• 11:45Speaker 03

  Two years, two years.

• 11:46Caleb Hammer?

  It has failed, two years. Dude, if I'm doing something that has clearly failed for two years, I learned not to do it.

• 11:53Speaker 03

  Okay, I don't think it's the money that is failing, it's me.

• 11:56Caleb Hammer?

  That's what I'm saying.

• 11:57Speaker 03

  Oh, shit, hold on. No, no, no, it's the spending part, not the, you know.

• 12:02Caleb Hammer?

  You just said it wasn't.

• 12:03Speaker 03

  No, no, it's the spending part.

• 12:05Caleb Hammer?

  No, you are not with your kids.

• 12:07Speaker 03

  Well, yeah, but that's, that's how I was raised. My parents were never home. You know, it's a normal thing, people go to work.

• 12:15Caleb Hammer?

  While most kids who themselves do not intend to end their lives, approximately sixty-five to seventy percent of youth who self-injure will experience thoughts or make at least one attempt at some point.

• 12:25Speaker 03

  She's told me about her thoughts, yes.

• 12:28Caleb Hammer?

  Yeah, so let's.

• 12:28Speaker 03

  But this was like years ago, this was years ago.

• 12:31Caleb Hammer?

  But that is a, people fall into it, and you're not there in this terrifying, you know, who is the ten-year-old?

• 12:36Speaker 03

  You're right, yeah.

• 12:38Caleb Hammer?

  Dude, I'm sorry, a twelve-year-old? You think they've just escaped and they're a completely mature, well-developed individual at this point?

• 12:45Speaker 03

  No, definitely not. She's independent, but she also thinks she's older than what she is.

• 12:50Caleb Hammer?

  Yes, everyone does.

• 12:51Speaker 03

  Yeah.

• 12:51Caleb Hammer?

  Isn't that how that works?

• 12:53Speaker 03

  Listen.

• 12:54Caleb Hammer?

  Clearly, you think your mother when you're not.

• 12:56Speaker 03

  I am.

• 12:57Caleb Hammer?

  Not playing it very well.

• 12:58Speaker 03

  Yes, I am, ask them. They like me.

• 13:01Caleb Hammer?

  They don't see you.

• 13:02Speaker 03

  They like me when I'm.

• 13:03Speaker 00

  Now, more than ever, we need someone on our side, but Rob Whitman? Whitman's votes drove up costs, cut Medicaid, and risked three hundred fifty thousand 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.

• 13:32Caleb Hammer?

  I think that you get treats, dude.

• 13:34Speaker 03

  It's pretty easy to appease.

• 13:37Caleb Hammer?

  How long have you been a single mother?

• 13:39Speaker 03

  Um, so their, their dad and I were doing like fifty-fifty custody for the whole time we've been split since twenty nineteen, up until last year, when he got kicked out of his place with his last girlfriend, stepmommy number two, and that's when the.

• 13:55Caleb Hammer?

  He reproduced with her?

• 13:56Speaker 03

  No, he didn't. Stepmommy as in, like, he's got different girlfriends that he lives with, and they become stepmom every time, yeah.

• 14:02Caleb Hammer?

  You're smacking.

• 14:03Speaker 03

  I know, I'm sorry.

• 14:05Caleb Hammer?

  Sip!

• 14:07Caleb Hammer?

  And eating too much of those Starbucks snacks, aren't you?

• 14:10Speaker 03

  Lots of sugar, I love sugar. Mm-hmm, so it was like last summer, got kicked out of his place with his ex-girlfriend. Ever since then, he's been like sleeping on friends' couches.

• 14:22Caleb Hammer?

  Okay, so he's a loser, got it, okay, well, that makes sense. Why'd you reproduce with a loser? Reproduce twice.

• 14:26Speaker 03

  Because, listen, he liked me when I was younger. Because we got together, I was eighteen, you know, he was seventeen, and.

• 14:36Caleb Hammer?

  You just said he liked me when I was younger, but you were older than him.

• 14:39Speaker 03

  Well, yeah, but I mean.

• 14:40Caleb Hammer?

  You made it sound like he liked you when you were younger, as in you were younger, he was older.

• 14:44Speaker 03

  No, no, no.

• 14:45Caleb Hammer?

  That's the weirdest way to say what you just said.

• 14:47Speaker 03

  We were together for like eight years.

• 14:49Caleb Hammer?

  Uh-huh.

• 14:50Speaker 03

  Yeah, so like.

• 14:52Caleb Hammer?

  That doesn't change how you said that in a very weird way, but.

• 14:54Speaker 03

  You're right, you're right. Um, but no, and then, yeah, I just wanted somebody who liked me, and I had that.

• 15:02Caleb Hammer?

  You're that desperate?

• 15:03Speaker 03

  I was in a really bad place in high school.

• 15:06Caleb Hammer?

  You're not in a good place now.

• 15:07Speaker 03

  Yeah, mentally, I'm much better.

• 15:09Caleb Hammer?

  Doubt?

• 15:10Speaker 03

  No, seriously.

• 15:11Caleb Hammer?

  No, you seem.

• 15:13Speaker 03

  Listen, Linda.

• 15:14Caleb Hammer?

  If your kid dies.

• 15:15Speaker 03

  No, I do, I do, I take care of her.

• 15:19Caleb Hammer?

  So you let him reproduce with you at twenty?

• 15:22Speaker 03

  Yes.

• 15:23Caleb Hammer?

  And then twenty-two?

• 15:24Speaker 03

  Yes.

• 15:24Caleb Hammer?

  Why?

• 15:25Speaker 03

  Because I didn't want to have two different baby daddies.

• 15:29Caleb Hammer?

  Stop playing with that.

• 15:30Speaker 03

  Sorry, I can't.

• 15:31Caleb Hammer?

  Mentally good, no.

• 15:33Speaker 03

  Sorry.

• 15:35Speaker 03

  What's the problem?

• 15:37Caleb Hammer?

  Oh, just your existence, um, okay.

• 15:39Speaker 03

  The audacity. We're doing fine, trust.

• 15:43Caleb Hammer?

  Your kids are not.

• 15:45Speaker 03

  They are, ask them, go ask them.

• 15:46Caleb Hammer?

  I would say there's literally proof on their body.

• 15:50Speaker 03

  Well, we're talking about it, and that's the difference, because we didn't used to talk about it.

• 15:55Caleb Hammer?

  Oh, you used to ignore that your kid was gonna die.

• 15:57Speaker 03

  I didn't ignore it, she shut down. And I brought her all different counselors, therapists, ever since she was in kindergarten.

• 16:04Caleb Hammer?

  Treats.

• 16:05Speaker 03

  And Starbucks treats.

• 16:06Caleb Hammer?

  Instead of being there.

• 16:07Speaker 03

  Yeah.

• 16:08Caleb Hammer?

  Yeah, go fuck yourself.

• 16:09Speaker 03

  I have to work.

• 16:09Caleb Hammer?

  Yeah, because you chose to do the comfy job, so come on, it's all selfish behavior. Okay, so yeah, I guess, I mean, he is a loser, I don't understand the logic of, okay, I already made a baby with the loser, I want a second baby.

• 16:24Speaker 03

  Yeah.

• 16:25Caleb Hammer?

  So let me make a baby with the loser instead of getting someone who's better, just because I don't want two dads?

• 16:30Speaker 03

  Yes.

• 16:31Caleb Hammer?

  Is an insane logic loop.

• 16:34Speaker 03

  What?

• 16:35Caleb Hammer?

  You made one with the loser.

• 16:37Speaker 03

  Yeah.

• 16:37Caleb Hammer?

  And instead of trying to find someone better for your second, you made another one with the loser because you didn't want a different dad.

• 16:42Speaker 03

  But do you want to be, like, imagine dating a girl that has multiple different baby daddies?

• 16:49Caleb Hammer?

  You got me. I'm not saying that's thrilling, but you already know he's a loser.

• 16:54Speaker 03

  Yeah.

• 16:55Caleb Hammer?

  So why reproduce with him?

• 16:56Speaker 03

  Because I got two of them now, and I'm good.

• 16:59Caleb Hammer?

  No, no, now, I'm saying for your second, dude, what is wrong with you? I'm saying for your second one.

• 17:04Speaker 03

  Yeah.

• 17:05Caleb Hammer?

  No, why did you if he was a loser?

• 17:08Speaker 03

  Because I want them to be, you know, related. Because, you know, I was adopted by my dad, and.

• 17:14Caleb Hammer?

  These are toys to you, your kids are toys to you.

• 17:16Speaker 03

  No, they're not.

• 17:16Caleb Hammer?

  Yes, they are.

• 17:17Speaker 03

  They're my babies.

• 17:18Caleb Hammer?

  No, with the way you're breeding them, they are toys to you, the way you are talking about them, and how you reproduced and made them and made the choice to, for it to be with him, they're accessories to you. They're accessories.

• 17:29Speaker 03

  I wouldn't say that.

• 17:30Caleb Hammer?

  I would, actually.

• 17:32Speaker 03

  No, I was just in a very different place back then than I am now, you know?

• 17:36Caleb Hammer?

  Are you? Look at you, you literally.

• 17:38Speaker 03

  I can't help it, sorry.

• 17:40Caleb Hammer?

  That is literally a product plug.

• 17:42Speaker 03

  It's right there.

• 17:43Caleb Hammer?

  No, that's a product plug.

• 17:44Speaker 03

  I'm sorry.

• 17:45Caleb Hammer?

  Dude, she's actually, dude, oh my, you, there's something wrong with you.

• 17:49Speaker 03

  Stop it.

• 17:50Caleb Hammer?

  I have concerns for these kids, you should be able to, no, no, no, you don't.

• 17:54Speaker 03

  Vigilance.

• 17:55Caleb Hammer?

  You're a human, dude, you're thirty-two, calm the down.

• 17:57Speaker 03

  I am calm, I took my meds this morning.

• 18:00Caleb Hammer?

  Oh.

• 18:03Caleb Hammer?

  These poor kids.

• 18:05Speaker 03

  No, they're, they're good, they're doing great.

• 18:07Caleb Hammer?

  Objectively not.

• 18:09Speaker 03

  They could be better, yes.

• 18:11Caleb Hammer?

  Well, a lot better.

• 18:12Speaker 03

  Yes.

• 18:13Caleb Hammer?

  Substantially.

• 18:14Speaker 03

  I gotta clean up my mess first, so I can be better for them.

• 18:17Caleb Hammer?

  And what's your mess?

• 18:18Speaker 03

  I gotta be better for them.

• 18:20Caleb Hammer?

  What's your mess?

• 18:20Speaker 03

  Hmm, my money, I don't have money for them, and.

• 18:25Caleb Hammer?

  Money for them?

• 18:26Speaker 03

  Because I spent a lot of money once upon a time.

• 18:30Caleb Hammer?

  Once upon a time, not now?

• 18:32Speaker 03

  I mean.

• 18:33Caleb Hammer?

  Uh-huh.

• 18:33Speaker 03

  It's less now, probably, you know?

• 18:37Caleb Hammer?

  I mean, I'm being told you literally spend a shit-ton of money stalking people. I don't even know what that means, but it meets your personality, whatever the fuck it is.

• 18:45Speaker 03

  Find them a new dad.

• 18:46Caleb Hammer?

  Oh.

• 18:47Speaker 03

  One that shows up, you know?

• 18:49Caleb Hammer?

  To whatever man she stalks into submission.

• 18:52Speaker 03

  Stalks into submission, I like that.

• 18:54Caleb Hammer?

  What is this?

• 18:54Speaker 03

  That sounds hot.

• 18:59Speaker 03

  You're not into that?

• 19:02Caleb Hammer?

  Big, big no, big no for me, dog. Been stalked?

• 19:07Speaker 03

  No, being submissive.

• 19:10Caleb Hammer?

  It's not for me.

• 19:11Speaker 03

  Have you tried, though? On your back, legs spread apart.

• 19:16Caleb Hammer?

  Oh.

• 19:17Speaker 03

  Dick in your ass.

• 19:17Caleb Hammer?

  What the is happening here?

• 19:21Speaker 03

  No.

• 19:22Caleb Hammer?

  No!

• 19:23Speaker 03

  Okay.

• 19:23Caleb Hammer?

  So.

• 19:24Speaker 03

  Okay, that's fine, everybody has tastes, everybody has different tastes.

• 19:29Caleb Hammer?

  I just. No, dude.

• 19:33Speaker 03

  What's the problem, dog?

• 19:34Caleb Hammer?

  You spend a lot of money stalking men.

• 19:37Speaker 03

  Yeah.

• 19:38Caleb Hammer?

  What the is this? Walk me through this, cuz that is gonna drain your money.

• 19:44Speaker 03

  I wouldn't say it's-

• 19:44Caleb Hammer?

  You ain't gonna be draining any balls afterwards, I promise you that. No one likes being stalked.

• 19:48Speaker 03

  Sometimes.

• 19:49Caleb Hammer?

  Okay, well, you're a freak.

• 19:51Speaker 03

  No, I'm not. Anyways, I wa- I wouldn't say it's stalking, you know, I'm just trying to get to know them.

• 20:00Caleb Hammer?

  Boy, how are you spending a lot of money doing that?

• 20:03Speaker 03

  Trying to find them and find out what they're up to.

• 20:07Caleb Hammer?

  What does that mean, you freak?

• 20:11Speaker 03

  Like, you know, paying for like background checks and stuff cuz I got kids and then like-

• 20:18Caleb Hammer?

  That one's not unfair.

• 20:20Speaker 03

  Yeah, and then like-

• 20:22Caleb Hammer?

  But I highly doubt that's what my producers were interested in.

• 20:25Speaker 03

  Like when-

• 20:26Caleb Hammer?

  They also do that, that's normal.

• 20:28Speaker 03

  When I bought like the Tinder Pros and everything so I could just swipe on people and stuff and try to find a person that I met one time in the wild, you know?

• 20:38Caleb Hammer?

  Bought Tinder Pro just to try to find someone you met in the wild?

• 20:41Speaker 03

  Yeah, at the dog park.

• 20:43Caleb Hammer?

  Why didn't you just ask for the person's number at the dog park?

• 20:46Speaker 03

  Because I was shy, he was really hot.

• 20:49Speaker 03

  So then I had the local community help me find him.

• 20:53Caleb Hammer?

  What? That's Tinder Pro- that's not the local community?

• 20:57Speaker 03

  Yeah, it is. I put it on my profile that I'm looking to find this dog and this guy. And I swiped on every single person and asked them. A lot of people didn't read it, so I had to tell them like, "Do you know this dog?" And they're like, "No, are you just looking for this dog?" I'm like, "Yeah, I'm just trying to find this guy cuz he was super attractive and a lot of the other people on Tinder are not."

• 21:18Caleb Hammer?

  Chat, we just need to talk about culture for a second. This is crazy. I don't know if you know what is going on out there and this is why their app price is completely, or the stock price is completely tumbled and they deserve it. Match Group, who owns Tinder and all that stuff, she's able to do that, literally stalk someone, no consequences. And there are so many men out there that they'll have a slightly awkward date or slightly awkward interaction and a woman will report and they'll get banned from every platform and they can't even appeal it. Fairly, stock price is at like zero dollars right now. And then she's able to do this and she'll face no consequences. It is such a, our culture has just swung in the completely wrong direction. I'm glad we corrected for some of the shit.

• 21:59Caleb Hammer?

  You know, back in the day, that was bad, but the overcorrection is absolutely insane. She's able to just do that and actually put someone's information out there and stalk- No, not men. No, no, no, we actually get banned permanently, immediately, across all Match Groups, which is Hinge, Tinder, all that stuff.

• 22:17Speaker 03

  Yes, yes.

• 22:18Caleb Hammer?

  But not you, not a woman. The double standard is insane. And there's no human review, there's no real thing. There's no verification.

• 22:25Speaker 03

  Nope, I was just out there trying to find him.

• 22:27Caleb Hammer?

  That's insane. You're insane, our culture's insane.

• 22:31Speaker 03

  Listen, I just kinda get like stuck on one person at a time.

• 22:37Caleb 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. And here's the thing, there's no minimum credit score required.

• 23:21Caleb Hammer?

  They're not here to judge you, they're not here to shame you, they're here to help you get out and help you save more. Pay off your debt faster and start putting money back in your pocket. This is a company that is A+ rated by the Better Business Bureau, boasts thousands of five-star reviews on Google and holds a five-star rating on TrustPilot. That legitimately matters. Here's the thing, if I needed help paying off debt, this is exactly where I'd go for help. You're just 30 seconds away from being debt-free with PDS Debt. Get your free assessment and find the best option for you right now at pdsdebt.com/hammer. That is pdsdebt.com/hammer, pdsdebt.com/hammer. 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?

• 24:06Caleb Hammer?

  Well, they're gonna 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 wanna 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. They'll play these people just like you for people just like you. No private equity, no gimmicks, just the best budgeting app there is. Download it now, start the free trial, dollarwise.com, link in the description below.

• 24:42Speaker 03

  And then, you know, I had to meet him again and it worked.

• 24:45Caleb Hammer?

  You made a public Facebook post about him as well.

• 24:47Speaker 03

  Yeah, yeah, and I found him and I met up with him and he-

• 24:51Caleb Hammer?

  Really? He agreed to meet?

• 24:52Speaker 03

  So, listen, okay, his, it was his jujitsu coach that reacted to the post and he's like, "Is this the dog?" I'm like, "That's the dog." He's like, "Well, I'll set you up with this guy, you guys come to the gym and meet up." And then I did. The coach paired us up together and it was fantastic. Got to put my hands on him, he was beautiful. He's a wonderful guy, very kind. And then at the end of it, he told me he's a traveling nurse and he was moving to California the next week so he couldn't make it work.

• 25:21Caleb Hammer?

  Pause real quick, I do wanna say, again, in our culture, if a man literally said exactly what she said right now, he'd be called a [BLEEP] online and fired from every job and kicked out of every school.

• 25:31Speaker 03

  Yeah, that's creepy.

• 25:35Speaker 03

  It's creepy.

• 25:35Caleb Hammer?

  It is creepy.

• 25:36Speaker 03

  Yeah.

• 25:36Caleb Hammer?

  I mean, but the over-sensationalism that would be done to a man is extreme.

• 25:40Speaker 03

  Yeah, well, especially if the man's ugly. If they're attractive, it's probably fine.

• 25:45Caleb Hammer?

  A part of it, actually, yeah, a little. But, no, no, no, not for what you just said, with putting your hands on them, no, they would still be ruined, but-

• 25:54Speaker 03

  Well, we were rolling in jujitsu.

• 25:56Caleb Hammer?

  I know, I'm saying how you said it. So he was moving. Did he move?

• 26:00Speaker 03

  Yeah.

• 26:01Caleb Hammer?

  Did he move?

• 26:02Speaker 03

  Oh, yeah, he moved.

• 26:03Caleb Hammer?

  So he wasn't just saying that to avoid you?

• 26:05Speaker 03

  He was like a traveling nurse, yeah. He was driving a rental car and everything.

• 26:08Caleb Hammer?

  Dude, you're a freak.

• 26:09Speaker 03

  No, I'm not.

• 26:10Caleb Hammer?

  You have kids to take care of. How about you spend that time you're using stalking men, take care of them? Clearly, they got issues.

• 26:16Speaker 03

  Back when they were with their dad sometimes. Now they're with me all the time, I ain't got time for nothing.

• 26:22Caleb Hammer?

  So what's, what's your most recent stalk then?

• 26:25Speaker 03

  My most recent stalk?

• 26:26Caleb Hammer?

  You are spending a lot of money on this and being told.

• 26:29Speaker 03

  It's not a ton of money compared to like everything totally, you know?

• 26:33Caleb Hammer?

  What's your most recent?

• 26:35Speaker 03

  Um, so I financed the flight to Idaho to meet this guy that I met online.

• 26:40Caleb Hammer?

  Met online? Wait, take a drink, you dried-mouthed freak.

• 26:43Speaker 03

  I know, I said I got a problem with it. Well, you weren't there.

• 26:46Caleb Hammer?

  Yes, I was not there.

• 26:48Speaker 03

  Okay, so I financed this flight to Idaho to meet this guy that I met online. And so we were talking for like two, three months, we were texting, you know? Every single day. I met him on Facebook Dating.

• 27:02Caleb Hammer?

  Why was your radius that extreme?

• 27:04Speaker 03

  It wasn't, so he's actually originally-

• 27:06Caleb Hammer?

  She's desperate for attention, this is crazy.

• 27:08Speaker 03

  Listen, he's originally from my area, but he worked out in Idaho for the winter. And then, um, he was texting me, we were texting every single day. Then I went out to Idaho to meet him and I had the most amazing time of my life there.

• 27:24Caleb Hammer?

  How?

• 27:25Speaker 03

  Cuz that was my first time flying. And then my first time in the mountains and then my first time snowmobiling. And it's just gorgeous out there. And he's super cool and chill and we get along super great. And it wasn't weird and I didn't get murdered a week.

• 27:40Caleb Hammer?

  I think everyone's afraid of you murdering them.

• 27:43Speaker 03

  They shouldn't be.

• 27:43Caleb Hammer?

  Okay, well, I'm glad you had a good week.

• 27:45Speaker 03

  I don't murder people, I don't hurt anybody, I'm a nice lady.

• 27:47Caleb Hammer?

  You're a freak.

• 27:48Speaker 03

  Yeah, but I'm nice.

• 27:49Caleb Hammer?

  Ah, you're scary. I think your niceties would lead you to something extreme.

• 27:52Speaker 03

  That's crazy.

• 27:54Caleb Hammer?

  Is it? After everything you've learned so far?

• 27:56Speaker 03

  Yeah, we're just getting to know each other, chill.

• 28:00Caleb Hammer?

  Okay, so what are you doing then?

• 28:01Speaker 03

  Um, so-

• 28:02Caleb Hammer?

  That's long distance, I mean, flying back and forth is gonna be expensive too. And again, how about you like take care of your kids instead of flying to Idaho, but sure, let's go.

• 28:09Speaker 03

  Listen.

• 28:10Caleb Hammer?

  I am, I'm trying, tell me.

• 28:11Speaker 03

  Their dad came over and stayed with them at my house while I was gone, so they got some time with their dad.

• 28:16Caleb Hammer?

  I know, the loser, yeah. And while she's literally almost dying, but go ahead.

• 28:20Speaker 03

  They like, they like time with their dad every once in a while cuz they never get to see him anymore.

• 28:23Caleb Hammer?

  Yeah, cuz they have a traumatic and horrible childhood thanks to you guys. Continue.

• 28:28Speaker 03

  I'm doing my best, okay?

• 28:29Caleb Hammer?

  Continue! This guy!

• 28:32Speaker 03

  Oh, yeah, he's gorgeous, first of all.

• 28:34Caleb Hammer?

  Okay.

• 28:34Speaker 03

  Okay, he's also pretty.

• 28:35Caleb Hammer?

  I don't need to know that, I'm just like, dude, this is gonna be expensive. It's important, guess to you, he's pretty.

• 28:41Speaker 03

  Yeah, I deserve that.

• 28:43Caleb Hammer?

  Do you? No, you're kinda, no, you don't.

• 28:45Speaker 03

  Yeah, I do.

• 28:46Caleb Hammer?

  Why?

• 28:47Speaker 03

  Okay, listen, their baby dad, not a good look, you know? Now I need something that looks good.

• 28:55Caleb Hammer?

  I'm sorry, you're a five out of 10, not at best.

• 28:57Speaker 03

  Oh, the audacity.

• 28:59Caleb Hammer?

  No, that is normal.

• 29:00Speaker 03

  That's average, I suppose it's right in the middle.

• 29:03Caleb Hammer?

  Yeah, what, how tall are you?

• 29:04Speaker 03

  5'8".

• 29:05Caleb Hammer?

  Okay, oh, you're not that tall, but I don't know, you're like, I mean, come on. You're a little fat, your teeth are [BLEEP] up. You're a five out of 10, what do you deserve? You don't deserve. It's like, I mean, I'm like probably, you know, like a four-

• 29:17Speaker 03

  This is you, little fat [BLEEP] you, dude.

• 29:19Caleb Hammer?

  No, exactly, and I don't deserve either, that's the thing. We can tell, we can tell men it, but we can't tell women it? Come on, double standards again.

• 29:28Speaker 03

  You don't want better for yourself?

• 29:28Caleb Hammer?

  Want, sure, I don't deserve.

• 29:30Speaker 03

  Sure, yeah.

• 29:32Caleb Hammer?

  Well, I don't deserve a 10 out of 10.

• 29:34Speaker 03

  10 out of 10, okay, I can't get a 10 out of 10, I can't.

• 29:37Caleb Hammer?

  You're making him sound like a 10 out of 10.

• 29:39Speaker 03

  No.

• 29:39Caleb Hammer?

  Okay, okay, so what's going on?

• 29:41Speaker 03

  We were talking for a few days and then he started leaving me on red and delivered for days at a time.

• 29:47Caleb Hammer?

  We learned that.

• 29:47Speaker 03

  I'm not crazy.

• 29:49Caleb Hammer?

  What was so good about him?

• 29:50Speaker 03

  We just got along so well and so easily, you know, it was like natural. It didn't, I didn't feel nervous for once. I didn't get the dry mouth, you know? Actually, I did out there. It's super dry and disgusting, yeah. And tried making out, but like both our mouths were super dry, you know?

• 30:10Speaker 03

  Anyways, so he ghosted me and then I tried to get his attention for a while. Um, after like a month or so, he finally got back to me, told me sorry about that, you know? Stuff's been going on, you know, didn't mean to do that. I'm like, perfect, you know? Now I've been on a mission. I keep trying to, we keep going back and forth, ghosting and not ghosting.

• 30:28Caleb Hammer?

  You're not ghosting him, he's ghosting you.

• 30:30Speaker 03

  Yeah, he's ghosting me.

• 30:31Caleb Hammer?

  So there's no back and forth, he's ghosting you.

• 30:33Speaker 03

  But, okay, I need to sleep with him. He's got the biggest dick I've ever seen in real life.

• 30:40Caleb Hammer?

  In what?

• 30:40Speaker 03

  Like, it's like a [BLEEP] dick. Like, it's from bigger than a lot of [BLEEP] dick.

• 30:44Caleb Hammer?

  Okay.

• 30:45Speaker 03

  Do you watch?

• 30:46Caleb Hammer?

  Yes?

• 30:47Speaker 03

  Yeah, okay. So it's huge. It's huge.

• 30:50Caleb Hammer?

  How big?

• 30:51Speaker 03

  Okay, so he's like six-four.

• 30:53Caleb Hammer?

  Okay.

• 30:53Speaker 03

  It's like two of his hands. He's got big hands, because he's a big man. Two of his hands, it's massive. It's got girth and length. You never find guys with both.

• 31:02Caleb Hammer?

  You were there for a week, so why didn't you?

• 31:04Speaker 03

  We did once, but it was awkward and weird and then...

• 31:07Caleb Hammer?

  Because you! Because you're a [BLEEP] freak!

• 31:09Speaker 03

  Me? Nah-uh. It wasn't because of me.

• 31:11Speaker 00

  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 HouseMajorityPac.com. Not authorized by any candidate or candidate's committee.

• 31:41Speaker 03

  It wasn't because of me.

• 31:41Caleb Hammer?

  Why was it awkward and weird? No, no one wants to listen to this.

• 31:45Speaker 03

  What do you mean?

• 31:46Caleb Hammer?

  I'm sorry.

• 31:46Speaker 03

  You're asking for the story. I'm telling you the story.

• 31:49Caleb Hammer?

  Chad, do you want to know, you want to know, I'm, I'm a very numbers-brained person. I know the analytics. When an attractive person talks about sex on the show, you guys enjoy it. When a creature like this talks about it, you guys are clicking skip. So, no one wants to listen to this.

• 32:02Speaker 03

  No, they do.

• 32:02Caleb Hammer?

  I'm glad to know he has a big dick.

• 32:04Speaker 03

  He's got a huge...

• 32:04Caleb Hammer?

  But he was clearly ghosting you. But you're like, I need to have sex with him. Clearly, he didn't give a [BLEEP] about having sex with you.

• 32:10Speaker 03

  No, I think there's a chance, still.

• 32:12Caleb Hammer?

  No, he's ghosted you, you're done.

• 32:14Speaker 03

  There's a chance.

• 32:14Caleb Hammer?

  Okay, what's your stocking? What are you spending to stock? You've only visited him once, right?

• 32:18Speaker 03

  Yeah.

• 32:19Caleb Hammer?

  It's overstocked.

• 32:20Speaker 03

  I've met him like two more times since then, just briefly.

• 32:22Caleb Hammer?

  How?

• 32:23Speaker 03

  Because when he came back.

• 32:25Caleb Hammer?

  See, you gotta give up on this. You gotta take care of your kids, man.

• 32:28Speaker 03

  I know, I want to.

• 32:29Caleb Hammer?

  Why? Why can't you?

• 32:30Speaker 03

  Because I get obsessed.

• 32:31Caleb Hammer?

  Thank you! You're a freak!

• 32:34Speaker 03

  I get a little obsessed. I can't help it. It just happens. I get a little obsessed with these guys. And I just, I just want him to like me back, you know?

• 32:43Caleb Hammer?

  I'm gonna call him in the pocho and tell him to run.

• 32:45Speaker 04

  Hello?

• 32:46Caleb Hammer?

  Hi, can you hear me? Uh, this is Kayla. How are you?

• 32:48Speaker 04

  Why, why are you calling for?

• 32:50Caleb Hammer?

  I'm with your, your little friend.

• 32:51Speaker 04

  Um, how does she have my number?

• 32:54Caleb Hammer?

  Whaaat? What does that mean?

• 32:57Speaker 04

  I...

• 32:57Speaker 03

  Don't act like that.

• 32:58Speaker 04

  I changed my number...

• 33:02Speaker 04

  After we hung out.

• 33:03Caleb Hammer?

  Are you [BLEEP] serious? I'm not gonna lie, I'm going to do that. I'm gonna tell him how crazy about it.

• 33:07Speaker 03

  Why would you tell him to run?

• 33:08Caleb Hammer?

  Because you're a crazy [BLEEP] bitch and needs to know this.

• 33:10Speaker 03

  He talks to me sometimes. I like, so...

• 33:12Caleb Hammer?

  He clearly ghosts you consistently. Okay, I don't care about him. I really don't, I really don't, I really don't. My big thing is, I can't have you spend a shit ton of money and a shit ton of time on this guy that clearly doesn't give a [BLEEP] about you. Why would he?

• 33:26Speaker 03

  No, I think he does.

• 33:27Caleb Hammer?

  He ghosts you constantly. Take a drink.

• 33:29Speaker 03

  But he talks to me. Every once in a while, he reaches out to me first.

• 33:34Caleb Hammer?

  What's every once in a while?

• 33:34Speaker 03

  Um...

• 33:35Caleb Hammer?

  No, he doesn't. You're desperately stalking him on Instagram and responding to every single story, hoping he responds to you, I'm being told. No, he doesn't reach out first. You're a desperate [BLEEP] whore.

• 33:44Speaker 03

  Yeah, no, I'm not a whore. I hardly get any.

• 33:48Caleb Hammer?

  Yeah, but not your choice.

• 33:49Speaker 03

  I'd have options. I choose not to take them. Because I want this one.

• 33:54Caleb Hammer?

  What, the [BLEEP] pass-out dude at the bus stop?

• 33:57Speaker 03

  No!

• 33:58Caleb Hammer?

  With a needle in his brain?

• 34:00Speaker 03

  No!

• 34:00Caleb Hammer?

  That's all the options you're gonna get?

• 34:01Speaker 03

  No, I have my sneaky link.

• 34:03Caleb Hammer?

  Okay. Dude, I really don't care about this. You need to stop going down this rabbit hole.

• 34:06Speaker 03

  You were asking about him.

• 34:08Caleb Hammer?

  Nah, uh, maybe, I think I enabled too many conversation. Too much conversation.

• 34:13Speaker 03

  Yeah.

• 34:14Caleb Hammer?

  So, how much are you spending on... All these background checks and all this shit that you're doing? Instead of putting your family ahead, what are you spending?

• 34:27Speaker 03

  It's only like ten to fifteen bucks a check.

• 34:29Caleb Hammer?

  Yeah, but how frequently?

• 34:31Speaker 03

  Just a few. I don't know, maybe like...

• 34:37Speaker 03

  Hundred, two hundred bucks?

• 34:38Caleb Hammer?

  What the [BLEEP]?

• 34:39Speaker 03

  You know?

• 34:40Caleb Hammer?

  Yes, but you're working a second job for eight hundred dollars.

• 34:43Speaker 03

  Yeah.

• 34:44Caleb Hammer?

  Do you not see how insane that it is?

• 34:46Speaker 03

  I know... Kind of.

• 34:49Caleb Hammer?

  Uh-huh.

• 34:50Speaker 03

  You know, if it's on a credit card, I don't see it till later, and then it'll be a problem for future me, you know?

• 34:59Speaker 03

  So every like fall, winter, cuffing season, I go through searching for guys, you know?

• 35:06Caleb Hammer?

  The [BLEEP]?

• 35:06Speaker 03

  I need a, I need a cuff. Yeah.

• 35:08Caleb Hammer?

  Did you have kids at home to take care of?

• 35:11Speaker 03

  I know.

• 35:12Caleb Hammer?

  And you're spending, once you get into that season, hundreds of dollars?

• 35:15Speaker 03

  And then, you know, the Tinder Pro.

• 35:16Caleb Hammer?

  And then the Tinder Pro and shit. And again, we're letting people like her be on there, but...

• 35:20Speaker 03

  Yeah.

• 35:21Caleb Hammer?

  Men will just get ghost-banned forever. What a failed [BLEEP]. I can't believe we have given those platforms power. It's insane. They've destroyed an entire generation.

• 35:32Speaker 03

  I'm using it, though. It's working for me.

• 35:34Caleb Hammer?

  Yeah, you must be finding the most desperate motherfuckers out there.

• 35:37Speaker 03

  Nah-uh. I find some crazy ones, some nice ones, you know, a little bit of everything.

• 35:42Caleb Hammer?

  Okay, so what happens inevitably, because you're a crazy [BLEEP] bitch, you must go absolutely mad when you get ghosted or they leave you?

• 35:50Speaker 03

  Yeah, because that's like the first time I've ever been ghosted, too, is by this guy.

• 35:54Caleb Hammer?

  So what happens then?

• 35:55Speaker 03

  Well, I mean...

• 35:58Caleb Hammer?

  I guarantee you, you swipe your card endlessly. There's no way you don't.

• 36:02Speaker 03

  Well, yeah.

• 36:02Caleb Hammer?

  Crazy bitches like you, so that's where all your money goes.

• 36:04Speaker 03

  Listen...

• 36:05Caleb Hammer?

  Thank you, that's what I was trying to get.

• 36:07Speaker 03

  I need some treats, I need to sit in my truck and cry over a blizzard and then like, you know, feel...

• 36:13Caleb Hammer?

  White woman in the car, posting on TikTok, probably.

• 36:16Speaker 03

  No, I don't do that.

• 36:17Caleb Hammer?

  You will.

• 36:18Speaker 03

  I'm not on my social very much.

• 36:20Caleb Hammer?

  You will.

• 36:21Speaker 03

  Surprising, maybe I find more people if I did.

• 36:23Caleb Hammer?

  Now, if instead of thirty-two, you're twenty-two, you would be doing that.

• 36:26Speaker 03

  Yeah, probably, yeah.

• 36:27Caleb Hammer?

  So how, how crazy do these [BLEEP] spiral sprees go, where you're just blowing money like crazy?

• 36:32Speaker 03

  You know that I...

• 36:33Caleb Hammer?

  After a guy inevitably ghosts you because you're [BLEEP] insane.

• 36:35Speaker 03

  Nah-uh, I'm not crazy.

• 36:36Caleb Hammer?

  Dude, come on.

• 36:37Speaker 03

  He doesn't know yet. Gotten to that part.

• 36:39Caleb Hammer?

  All the previous ones.

• 36:40Speaker 03

  They don't know that. Um, anyways...

• 36:42Caleb Hammer?

  They know it. Why did I, did I ask if they know you do it?

• 36:45Speaker 03

  No. Um, so like, I have to like go buy, you know, makeup and skincare and clothes and stuff.

• 36:54Caleb Hammer?

  Do you think that fixes your ghosting?

• 36:56Speaker 03

  So I can find somebody new to post with.

• 36:58Caleb Hammer?

  What does that do to find somebody new? You going and blowing a shit ton of money on clothes and makeup?

• 37:03Speaker 03

  Yeah.

• 37:03Caleb Hammer?

  Skincare.

• 37:04Speaker 03

  So I can look good.

• 37:05Caleb Hammer?

  Do you? You don't.

• 37:06Speaker 03

  You're so disrespectful.

• 37:08Caleb Hammer?

  Yes, financial audit.

• 37:10Speaker 03

  Then I can try to find somebody else that I can take a picture with, and then I'll post it to my story, and then he'll see it, and then he'll get jealous.

• 37:17Caleb Hammer?

  And that has never worked?

• 37:20Speaker 03

  Um...

• 37:21Caleb Hammer?

  That has never worked once?

• 37:24Speaker 03

  He didn't react to that.

• 37:25Caleb Hammer?

  No shit?

• 37:26Speaker 03

  But maybe like a couple days after.

• 37:28Caleb Hammer?

  I'm sorry, you're, no, it doesn't, it's never worked.

• 37:30Speaker 03

  If you connect it from like days apart or like weeks apart, you could say it was a reaction to that.

• 37:36Caleb Hammer?

  You're obsession without the [BLEEP] spell on you. This is your reality.

• 37:40Speaker 03

  That movie's so good.

• 37:41Caleb Hammer?

  Okay, yes, we all saw it.

• 37:43Speaker 03

  Did you?

• 37:43Caleb Hammer?

  Everyone saw it.

• 37:45Speaker 03

  I told everybody to go see it, but I didn't tell you.

• 37:46Caleb Hammer?

  Everyone already...

• 37:49Caleb Hammer?

  Fargo needs to get nuked. This is insane. I'm being told every time you go through a breakup, you just hyper-focus on hobbies and spend a shit ton of money on these hobbies?

• 37:58Speaker 03

  Yeah.

• 37:59Caleb Hammer?

  Like what?

• 38:00Speaker 03

  Like, when I bought a fursuit, and...

• 38:04Caleb Hammer?

  Furry stuff? Dude, do you...

• 38:05Speaker 03

  Yeah.

• 38:06Caleb Hammer?

  Really, wow.

• 38:07Speaker 03

  I went to Comic-Con.

• 38:08Caleb Hammer?

  You're really laying into the shit that, again, Chad, here's what I know about you. Every time an ugly person is into a kink thing, you guys skip it. I'm glad you're really supporting this episode.

• 38:19Speaker 03

  What do you mean?

• 38:22Speaker 03

  It's not super-sexual. Like, I don't have sex in furry suits or nothing.

• 38:27Caleb Hammer?

  Why'd you go buy it after a breakup?

• 38:28Speaker 03

  Because it was super cute, and I just needed something to make me feel better, you know?

• 38:33Caleb Hammer?

  Did it?

• 38:34Speaker 03

  Yeah, it was, because I...

• 38:36Caleb Hammer?

  You're a co-spender to the extreme.

• 38:38Speaker 03

  I'm, yeah, unfortunately, yes.

• 38:41Caleb Hammer?

  Yes, but your co-spending is insane.

• 38:43Speaker 03

  It is, and I agree.

• 38:44Caleb Hammer?

  It's on furry outfits?

• 38:46Speaker 03

  Yeah.

• 38:46Caleb Hammer?

  What the [BLEEP] are we doing?

• 38:48Speaker 03

  And I put it on my frickin' PayPal credit. It was like twenty-four hundred dollars. I got it from South Korea, and I was like, not really into the furry stuff yet, but...

• 38:57Caleb Hammer?

  Okay, show it to me without you in it. I just want to see the outfit. I want to see what the [BLEEP] cost, twenty-five hundred dollars.

• 39:03Speaker 03

  I don't know if I have...

• 39:04Caleb Hammer?

  This is insane. You don't even have a picture of the [BLEEP] hobby you spent twenty-five hundred dollars on?

• 39:08Speaker 03

  I do. I do. I don't know if I have a picture without me in it.

• 39:11Caleb Hammer?

  Are you naked?

• 39:12Speaker 03

  No, no.

• 39:13Caleb Hammer?

  Okay, then I can see it.

• 39:14Speaker 03

  It's not sexual. The art is sexual.

• 39:15Caleb Hammer?

  Then I can see it, because the last thing I want to see in this world is you naked.

• 39:19Speaker 03

  So I got it like a long time ago, and I haven't, it's kind of been sitting in the closet since then, you know, so...

• 39:25Caleb Hammer?

  Okay, great, yeah, like I assume every [BLEEP] hobby you go endlessly into debt into after breakups, right?

• 39:31Speaker 03

  Yes. Yes. And then I find a new one every time, you know? But this one, I had to buy like a bunch of art afterwards, too, you know? And I had to get some new characters. Now I have kind of a collection. Let me find my fursuit. It's super cute. Oh, I made a furry TikTok, too, for a little while. Um... Look it.

• 39:58Speaker 03

  It's cute.

• 39:58Caleb Hammer?

  Oh my goodness, that's actually insane. Alright, we're putting it on screen. That's

• 40:02Speaker 03

  It's cute.

• 40:03Caleb Hammer?

  So, okay, so a guy didn't like you and you spent twenty-five-hundred on that?

• 40:08Speaker 03

  Um, well.

• 40:11Caleb Hammer?

  What was the last thing you went absolutely crazy when you spiraled?

• 40:15Speaker 03

  Lately, it's just been like the T.J. Maxx Marshall's kind of spirals, but like, because I can't help but spend like a couple hundred dollars at a time, you know? And then, obviously, the flights.

• 40:26Caleb Hammer?

  How much did that cost?

• 40:27Speaker 03

  Um, it's right there. It was like, I think four-

• 40:31Caleb Hammer?

  How would you answer the question, not a podcast?

• 40:34Speaker 03

  Four hundred some dollars, I think.

• 40:37Caleb Hammer?

  Okay, so how are you surviving on five thousand two hundred dollars right now?

• 40:39Speaker 03

  I'm not really, so.

• 40:42Caleb Hammer?

  Incredible response.

• 40:44Speaker 03

  I mean, I make it. I haven't lost my house or my car or nothing.

• 40:48Caleb Hammer?

  Do you own a house?

• 40:48Speaker 03

  No, I rent.

• 40:50Caleb Hammer?

  Okay, good.

• 40:51Speaker 03

  Yeah. I could never own a house because I couldn't afford to fix it.

• 40:54Caleb Hammer?

  But, well, I mean, you could. We can get yourself in a position. If you aren't blowing twenty-five-hundred dollars on furries, blowing money to go blow a guy with a big dick in Idaho.

• 41:03Speaker 03

  All the, you know, furry art and stuff that I bought and I was coping.

• 41:08Caleb Hammer?

  You guys are insane, man.

• 41:09Speaker 03

  But I didn't have money, so I had to put in my PayPal credit, but it's some, I got some good art too and some new characters.

• 41:15Caleb Hammer?

  Hey, guys, you know you have kids, right?

• 41:17Speaker 03

  Yeah.

• 41:18Caleb Hammer?

  Why are we not prioritizing them? This is blowing my mind. You were like Financial Audit's most evil mom or something.

• 41:23Speaker 03

  Uh-uh.

• 41:24Caleb Hammer?

  Predicting the title.

• 41:25Speaker 03

  I've seen other ones. Just some worse ones.

• 41:27Caleb Hammer?

  Mom? I don't know. There's lots of bad dads on the show, but you're a piece of shit mom. Literally, your kid has almost died multiple times.

• 41:33Speaker 03

  She hasn't almost died. You're being dramatic.

• 41:36Caleb Hammer?

  She's talked to you about her suicidal thoughts, but you go spend money going to suck an eight-inch dick instead of taking care of her.

• 41:41Speaker 03

  I'd say it's like nine inches.

• 41:42Caleb Hammer?

  Yeah, you're insane. That's crazy. You're an insane piece of shit mother.

• 41:47Speaker 03

  No. Go ask him.

• 41:49Caleb Hammer?

  No, you think a twelve-year-old, ten-year-old is gonna be able to give me, no, they like that they get to stay away from their crazy, batshit, insane mom.

• 41:56Speaker 03

  I'm not crazy batshit.

• 41:58Caleb Hammer?

  Let's see where they are if they're still alive in a decade.

• 42:01Speaker 03

  Uh-uh. They'll be fine.

• 42:03Caleb Hammer?

  I hope they are, actually.

• 42:04Speaker 03

  I mean, yes, they will be, but I'm not crazy.

• 42:07Caleb Hammer?

  How much you spend on your kids, everyone?

• 42:09Speaker 03

  I don't, I mean, depends. Like, food? I spend a shit ton on food.

• 42:12Caleb Hammer?

  That's just for this basic shit. How much you spend on them? They're fun. They're fun. How much do you spend on their fun?

• 42:18Speaker 03

  We don't do fun. I don't have time for fun.

• 42:20Caleb Hammer?

  Okay, and here's the thing, but she has time to fly to Idaho, suck an eight-inch dick, spend money on her furry hobbies. She spends thousands of dollars on her having fun and obsessing over men and all this crazy shit. But then she, but then she won't spend time or money on the kids.

• 42:36Speaker 03

  Do you think I'm kind of like Nikki from Obsession? She felt very relatable when I was watching that movie.

• 42:40Caleb Hammer?

  Thing, I just want to pause. I said that about ten minutes ago and you already reacted to it. Are you actually that stupid?

• 42:48Speaker 03

  You didn't say that.

• 42:50Caleb Hammer?

  I said, "You're like the woman from Obsession."

• 42:53Speaker 03

  Oh, yeah, you did. Yeah, yeah. But you didn't say Nikki.

• 42:56Caleb Hammer?

  Who'd you think I was talking about?

• 42:59Speaker 03

  There's a couple women, you know?

• 43:01Caleb Hammer?

  Oh, my, these poor children. Oh, my goodness. Oh, my goodness. You're a stalker. You're a spender. You're selfish. You're crazy. They're gonna die.

• 43:12Speaker 03

  I don't kill people.

• 43:13Caleb Hammer?

  No, but you're gonna get people killed and those people will be your kids.

• 43:15Speaker 03

  Uh-uh.

• 43:16Caleb Hammer?

  Oh, good, great response.

• 43:18Speaker 03

  No, I'm keeping them alive. The one of them is gonna be thirteen.

• 43:21Caleb Hammer?

  You just said you don't spend to- okay, that's a basic minimum requirement.

• 43:24Speaker 03

  Yeah.

• 43:26Caleb Hammer?

  You just said you don't spend money or time on them having fun, but you spend a shit ton of money and time on you having fun for dick.

• 43:33Speaker 03

  Yes.

• 43:34Caleb Hammer?

  You, so I do want to be very clear. You prioritize dick over your kids.

• 43:40Speaker 03

  It's not like that.

• 43:41Caleb Hammer?

  Oh, see, she can't even say no. She had to say, "It's not like that." No, it absolutely is, because you spend money and time on dick. You do not spend money and time on them.

• 43:49Speaker 03

  Well, listen.

• 43:50Caleb Hammer?

  So, there is no other answer than you prioritize dick over your kids.

• 43:56Speaker 03

  Imagine how happy they'd be if I found them a new dad.

• 43:59Caleb Hammer?

  You don't, though. You run through, you run through men. Then you get ghosted because you're a crazy bitch. You plan entire weekends away from the kids for dick constantly, but you won't do things with them. You leave them with their piece of shit dad. You're a bad person. You're a bad mother.

• 44:15Speaker 03

  No, I'm not.

• 44:16Caleb Hammer?

  Wow. Really good response. Well thought out.

• 44:19Speaker 03

  Yeah.

• 44:20Caleb Hammer?

  I have all these points.

• 44:21Speaker 03

  But I'm not a bad mom.

• 44:22Caleb Hammer?

  No, I have, you can't, what's your actual reasoning? You need to tell me that, other than no, because I brought actual reasoning in what you're doing, examples that equal bad mother. And then you say, "No, that's not true." Tell me why.

• 44:34Speaker 03

  Well, I mean, I brought them here with me, so.

• 44:39Caleb Hammer?

  Wow!

• 44:40Speaker 03

  I took them out to do something fun.

• 44:42Caleb Hammer?

  For you to come on a show you wanted to go on.

• 44:45Speaker 03

  Yeah, so.

• 44:46Caleb Hammer?

  It's all about you in the end.

• 44:48Speaker 03

  Just like my mom, you know?

• 44:50Caleb Hammer?

  You want to repeat generational trauma?

• 44:52Speaker 03

  I don't want to, but I can't help it, you know?

• 44:54Caleb Hammer?

  Actually, you can. You're an adult. You have choices. Every day, you make choices. Yes, you do. You choose to go away for weekends at a time to literally suck semen out of heads.

• 45:03Speaker 03

  Glove, glove, milk jug.

• 45:04Caleb Hammer?

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• 45:52Caleb Hammer?

  This stuff is a game changer.

• 45:56Caleb Hammer?

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• 46:37Speaker 03

  You haven't heard that one?

• 46:38Caleb Hammer?

  Skip that part. I beg you.

• 46:41Speaker 03

  I'm not a bad mom.

• 46:42Caleb Hammer?

  For the sake of my paycheck.

• 46:43Speaker 03

  I'm not a bad mom.

• 46:44Caleb Hammer?

  You need a rebuttal. You need a reason. The only-

• 46:46Speaker 03

  I told you, I'm taking care of them.

• 46:48Caleb Hammer?

  No, the only reason you said is you brought them here for a trip you wanted to go on.

• 46:52Speaker 03

  You just think I'm not a bad mom because I don't take them out for fun stuff?

• 46:54Caleb Hammer?

  No, I said you are a bad mom.

• 46:56Speaker 03

  Okay, but you think that's it? Just because I don't take them out to do fun stuff?

• 46:59Caleb Hammer?

  Because you're never around for them. You prioritize you having a more comfy job instead of taking care of the one with clear mental health issues, instead of spending any money and time on them, going, having fun. You spend all the money and time on you going, getting railed.

• 47:09Speaker 03

  I have to take care of myself too. If I don't take care of myself, then I can't take care of them.

• 47:14Caleb Hammer?

  You spend all your money to get yourself taken care of.

• 47:17Speaker 03

  Yeah, so I can take care of them.

• 47:19Caleb Hammer?

  Your kids eating McDonald's every day is not being a good mom.

• 47:22Speaker 03

  But I'm feeding them. I'm feeding them. They're not gonna get fat. They have my metabolism. They're gonna be fine.

• 47:27Caleb Hammer?

  You're fat.

• 47:27Speaker 03

  I'm not fat. Don't look.

• 47:30Caleb Hammer?

  Uh-huh, exactly. You're not obese.

• 47:32Speaker 03

  I've gained a lot of weight since I've been at a desk job, you know?

• 47:34Caleb Hammer?

  I'm blessed. I have my metabolism.

• 47:37Speaker 03

  I had a good metabolism.

• 47:38Caleb Hammer?

  I'm obese, you're fat. I'm fatter than you. I'm obese, but you're fat. That's okay.

• 47:42Speaker 03

  Wow, that's crazy.

• 47:44Caleb Hammer?

  You're not skinny. You're not in the healthy BMI weight range. You're fat. You're not obese.

• 47:49Speaker 03

  I was. I've been skinny up until I got this desk job and started antidepressants.

• 47:53Caleb Hammer?

  No, no, but I want to be very cl- I want to be very cl-

• 47:57Speaker 03

  Say it. Clear.

• 47:58Caleb Hammer?

  No, you're, you got the SSRIs. I see them.

• 48:01Speaker 03

  What does that mean?

• 48:02Caleb Hammer?

  You're gonna stab someone.

• 48:04Speaker 03

  I'm not gonna stab anybody. You're making me sound like I'm crazy.

• 48:08Caleb Hammer?

  Yes, only me.

• 48:09Speaker 03

  Okay, but do you, you don't have kids?

• 48:11Caleb Hammer?

  Correct.

• 48:12Speaker 03

  Right, so how, what's-

• 48:13Caleb Hammer?

  I wouldn't feed them McDonald's every day.

• 48:15Speaker 03

  How would you, you haven't been in that spot. Okay, everybody wants to judge somebody with kids?

• 48:19Caleb Hammer?

  Dude, I've had, I've had other, I've had busier parents on the show who don't feed their kids McDonald's every day.

• 48:24Speaker 03

  I don't feed them every single day, like McDonald's.

• 48:26Caleb Hammer?

  Practically every single day. We happen in our staves.

• 48:29Speaker 03

  That's me.

• 48:30Caleb Hammer?

  Okay, so you'll die soon. You're getting fat. You're gonna get less dick than you even can now.

• 48:34Speaker 03

  Yeah, probably. The rate I'm going, it's not looking good for me, but.

• 48:38Caleb Hammer?

  Yes, you're fat.

• 48:38Speaker 03

  I'm feeding the kids at least.

• 48:40Caleb Hammer?

  Listen, and I mean, the crazy thing is, it's not insulting to call women fat. By the way, I know you're going crazy on Instagram. Instagram is the platform that gets angry every time I say, "She's fat." That's okay. I'm obese. That's okay. Well, we're just, is it? We're acknowledging the basic reality. You, we can call men fat, and it's okay. Why is it insulting when we call women fat?

• 48:58Speaker 03

  I'm not supposed to say that I'm fat, you know?

• 49:00Caleb Hammer?

  But you are. Why? Actually, shouldn't you? So that you can medically take care of it, so that you can live a longer life and take care of yourself? I should call myself obese. That is a correct thing to call myself. I shouldn't be mentally- And say, no, I'm actually healthy at any weight. Actually, yes, you should call yourself fat.

• 49:15Speaker 03

  Be obese then?

• 49:16Caleb Hammer?

  Yeah, with the lifestyle choices I'm making, yes.

• 49:18Speaker 03

  Why?

• 49:19Caleb Hammer?

  Same with the lifestyle choices you're making.

• 49:20Speaker 03

  What about your medical stuff?

• 49:22Caleb Hammer?

  Okay, clearly you didn't understand the point. You said, I'm not supposed to call myself fat. No, you should. You're not supposed to be delusional about your own health. We shouldn't only can't call men creepy for doing what she did. We should call her creepy. We shouldn't only ban men for doing what she did. She should be banned. We shouldn't only call men fat. We should be able to call women fat too. Wait, it's the same for everyone.

• 49:42Speaker 03

  Yeah, but I'm just, I'm told, you know, you can't say that you're fat, you know?

• 49:45Caleb Hammer?

  Why?

• 49:45Speaker 03

  Cause you're not that fat is what everybody says. You're skinny, but it's, you know, always some people bigger.

• 49:50Caleb Hammer?

  You're not obese. If that's what they mean by not that fat, that is true. You're not obese.

• 49:54Speaker 03

  No.

• 49:55Caleb Hammer?

  But you're fat.

• 49:56Speaker 03

  Damn.

• 49:56Caleb Hammer?

  That's okay. But if we recognize it, that means we're starting to do change. It's like saying you don't spend, dude, you saying you're not fat is like saying you're not in debt. It's the same thing. It's literally ignoring something that exists, which means you'll never have to address it. If you're okay with it.

• 50:11Speaker 03

  Yes.

• 50:11Caleb Hammer?

  Yes, that's what I'm saying. So all these uh

• 50:15Speaker 03

  Yes.

• 50:15Caleb Hammer?

  woke heroes on Reddit and TikTok and now in the Instagram comments of this clip that's being posted, this reel, they're gonna be like, this is disgusting of you, Caleb. This is disgusting. So how dare you call? Yes, they do on Instagram. Trust me. They're all pussies. It's really weird. I don't understand it. It's like they've never seen the show in four years.

• 50:33Speaker 03

  Yeah.

• 50:33Caleb Hammer?

  But either way, the thing that's crazy is like, just because you're a woman, we can't recognize basic medical things. What are we doing as this society? I don't get it. I really don't.

• 50:43Speaker 03

  Shaving men?

• 50:44Caleb Hammer?

  No, no, no. But the thing is, if you're okay with being fat, then it's fine. But we shouldn't say we're not fat when we are fat.

• 50:50Speaker 03

  Yeah, I'm not happy about it.

• 50:52Caleb Hammer?

  There we go. Thank you for being real. I appreciate that.

• 50:56Speaker 03

  Not happy about the weight gain, but I wouldn't say I'm quite fat yet, you know?

• 51:02Caleb Hammer?

  No, no, no. Okay, um.

• 51:03Speaker 03

  But anyways.

• 51:04Caleb Hammer?

  You're not obese.

• 51:06Speaker 03

  Yes, yes.

• 51:07Caleb Hammer?

  It's different. You're overweight. You're not obese.

• 51:10Speaker 03

  Yeah, okay. Anyways, yeah, no, they're fine because they're being fed and.

• 51:16Caleb Hammer?

  By McDonald's every day. That's what I said. It's not healthy for you, it's not healthy for them. They're literally bleeding out and you're feeding them McDonald's as a cope and then going and taking dick in Idaho.

• 51:25Speaker 03

  They need to be fed, you know, because a lot of times they're just at home.

• 51:29Caleb Hammer?

  More them or you a dick? I feel like you're prioritizing the second one because you're a freak. What do you think your financial score is zero to 10, zero being the worst, 10 being the best?

• 51:37Speaker 03

  Um, probably a one.

• 51:41Caleb Hammer?

  No.

• 51:42Speaker 03

  Yeah.

• 51:42Caleb Hammer?

  If you don't want to be like her, make sure you get the Dollar Wise Budgeting App. Take the free trial. See if you like it.

• 51:48Speaker 03

  Fat.

• 51:50Caleb Hammer?

  Huh?

• 51:52Speaker 03

  Is that why I need a budget cookbook? Is it the cookbook?

• 51:56Caleb Hammer?

  It's the meal plan. It is healthy and the cookbook is digital. You get it if you sign up for the annual version, which saves you nearly 50%.

• 52:03Speaker 03

  So much. I hope I lose weight.

• 52:04Caleb Hammer?

  If you want to, then I hope you do too. I personally don't care, but I'm making fun of you. One for the show, two because you said you can't call yourself fat even though you're fat, which is an absolute thing to do in modern day society. I don't understand us. TikTok has ruined people. This culture is stupid. Get your hammer financial score at Calebhammer.com. It's free. What the?

• 52:25Speaker 03

  What the?

• 52:26Caleb Hammer?

  No, I don't know. You're pulling me out of my plug.

• 52:29Speaker 03

  What do you mean? Oh, sorry.

• 52:31Caleb Hammer?

  You couldn't tell?

• 52:32Speaker 03

  I was, yeah. You know, I was just trying to, I thought you were trying to help me, like lose weight.

• 52:39Caleb Hammer?

  Sure, yeah. If you follow that and meal prep, it'll budget and lose weight.

• 52:43Speaker 03

  So you do care?

• 52:44Caleb Hammer?

  Of course I care.

• 52:45Speaker 03

  That's kind.

• 52:46Caleb Hammer?

  But honestly, in this conversation, I care more about the kid than you at this point because I'm actually afraid for her future and you're a bad mother and you're literally prioritizing dick, which is crazy.

• 52:55Speaker 03

  Don't take dick all the time.

• 52:58Caleb Hammer?

  Trust me, but if you could, you would. But who would want to?

• 53:02Speaker 03

  Wow, some people.

• 53:07Speaker 03

  Okay.

• 53:08Caleb Hammer?

  Everyone's saying no.

• 53:09Speaker 03

  No, I'm not looking.

• 53:10Caleb Hammer?

  All the men are saying no.

• 53:11Speaker 03

  No.

• 53:13Caleb Hammer?

  Uh, it's just like, I don't know. This is basic things. Again.

• 53:16Speaker 03

  They're fed.

• 53:17Caleb Hammer?

  Every woman will call you beautiful in the comments. That's just the world we live in right now.

• 53:21Speaker 03

  Yeah.

• 53:22Caleb Hammer?

  They never call beautiful women beautiful, but they always call the ugly ones beautiful. It's an interesting thing.

• 53:28Speaker 03

  Nothing's sincere anymore, you know? Nobody's ever genuine.

• 53:32Caleb Hammer?

  Hey, she said it.

• 53:33Speaker 03

  Yeah.

• 53:34Caleb Hammer?

  It's, so remember that before you call her beautiful. Oh, okay.

• 53:38Speaker 03

  Abbasity.

• 53:39Caleb Hammer?

  I wouldn't say you're ugly though. Like I said, you're mid, five out of 10.

• 53:43Speaker 03

  Yeah, Midwest.

• 53:44Caleb Hammer?

  Just like you're not obese. You're fat.

• 53:46Speaker 03

  Yes, sure.

• 53:47Caleb Hammer?

  I'm a realist.

• 53:48Speaker 03

  Kids won't be.

• 53:50Caleb Hammer?

  Oh, if you feed them McDonald's every day.

• 53:53Speaker 03

  They're fine.

• 53:53Caleb Hammer?

  Well, they get on SSRIs, which I'm sure, no, okay. Yep. Dang, 10 year olds on SSRIs? Isn't that kind of quick?

• 54:00Speaker 03

  She's not on one. The other one.

• 54:02Caleb Hammer?

  12 year old? Yeah, well, we definitely need some kind of intervention there. So.

• 54:06Speaker 03

  Yeah.

• 54:07Caleb Hammer?

  What are they? I do hope they're trying. Okay, so this, this is the dick debt.

• 54:11Speaker 03

  Dick debt.

• 54:13Caleb Hammer?

  Um, you only owe 154 left. It's a paying six, which actually means you're probably paying interest on it. Cause usually it's paying four to avoid interest.

• 54:23Speaker 03

  I don't even remember.

• 54:25Caleb Hammer?

  Uh.

• 54:25Speaker 03

  I'll, I try to do the interest free payment plans though every time. Cause you know.

• 54:32Caleb Hammer?

  Paying six, so maybe they have that now and I'm just not aware. Um, either way, that monthly payment is going to be 52 dollars.

• 54:47Caleb Hammer?

  Okay, so.

• 54:49Speaker 03

  That's right.

• 54:49Caleb Hammer?

  Huh?

• 54:50Speaker 03

  I feel like it's more than that.

• 54:51Caleb Hammer?

  What remaining is 154 dollars, it says.

• 54:53Speaker 03

  Oh. I don't remember.

• 54:56Caleb Hammer?

  Is that not true?

• 54:57Speaker 03

  I don't remember.

• 54:58Caleb Hammer?

  Well, I mean, this is just what's on it.

• 55:00Speaker 03

  Yeah, yeah.

• 55:00Caleb Hammer?

  Wait, no, no, no, no. Hold on. It says 1465 scheduled for May 5th. That doesn't make sense. It says three of six paid.

• 55:07Speaker 03

  Oh, probably because I paid ahead on it.

• 55:09Caleb Hammer?

  This is very weird. Can you stop making your mouth noises? No. Yes, you can. Just keep your mouth shut until you talk.

• 55:16Speaker 03

  I can't.

• 55:17Caleb Hammer?

  Oh, trust me, we can tell.

• 55:19Speaker 03

  I can take this back and flip this somewhere.

• 55:22Caleb Hammer?

  Brother, I don't understand.

• 55:24Speaker 03

  Brother.

• 55:28Caleb Hammer?

  I need you to leave North Dakota and just get some societal exposure. Cause the only other place you've gone to is Idaho. I just. And now Texas. I just. You need to go to a city a bit longer because you are too, um, farm trapped.

• 55:47Speaker 03

  Farm trapped. Yeah.

• 55:49Caleb Hammer?

  Like you haven't had enough human interaction and the only human interaction you have is literally flesh.

• 55:53Speaker 03

  Yeah. Imagine if I was home schooled.

• 55:55Caleb Hammer?

  Put that back. It's actually loud. This is a podcast. People are listening to it.

• 55:59Speaker 03

  Sorry. Okay.

• 56:00Caleb Hammer?

  Are you? Cause you just took it away.

• 56:03Speaker 03

  Well, you.

• 56:03Caleb Hammer?

  Dude, you suck, man.

• 56:06Caleb Hammer?

  Yeah, no.

• 56:06Speaker 03

  Sometimes.

• 56:08Caleb Hammer?

  No, amount of each payment is 142.

• 56:13Caleb Hammer?

  Number of payments, three. Oh, okay. So 142.

• 56:16Speaker 03

  Yeah.

• 56:16Caleb Hammer?

  Wait, no, this doesn't make sense. Something's weird here. Number of payments, three. Amount of each payment is 142. Okay, whatever. So 142, 41. So you must've just went to Idaho.

• 56:30Speaker 03

  It was in February.

• 56:31Caleb Hammer?

  Okay, I actually am gonna call this guy in the post show. I'm gonna tell him to leave.

• 56:37Speaker 03

  I don't think he will.

• 56:38Caleb Hammer?

  Oh, well, he's already ghosting. So if we even get an answer, we'll be lucky.

• 56:42Speaker 03

  Not at the second. So.

• 56:44Caleb Hammer?

  Tomorrow. Um, okay. So what is this? A signature loan. This is the payoff amount's higher than the original amount. It's only gone up probably because again, you prioritize leaving your kids. Then paying off the debt.

• 56:59Speaker 03

  Working. Anyways.

• 57:01Caleb Hammer?

  You work for you. To be clear, I think we've learned by now in this episode so far, you work that extra $800 a month so you can go have fun and leave your kids. We've learned that.

• 57:13Speaker 03

  Get to have fun all the time. I have to work.

• 57:15Caleb Hammer?

  Oh my goodness. She just, did you not just hear what I said?

• 57:17Speaker 03

  Neither did kids.

• 57:21Speaker 03

  Um.

• 57:22Caleb Hammer?

  Dude, I don't know what to do with people like you. So what is this for?

• 57:26Speaker 03

  I.

• 57:27Caleb Hammer?

  Stop. You don't have to. Hey, hey, hey, woman. You don't have to go before you say anything.

• 57:33Speaker 03

  I can't not.

• 57:34Caleb Hammer?

  Yes, you can. You just.

• 57:35Speaker 03

  I get the cotton mouth from my mess.

• 57:37Caleb Hammer?

  You just talk. You don't have to go talk. You go talk. Word.

• 57:45Speaker 03

  Sorry.

• 57:46Caleb Hammer?

  No, it's not funny. It's disgusting.

• 57:49Speaker 03

  It makes it me want to do it, you know?

• 57:53Caleb Hammer?

  You're one of those people where they do something annoying. Someone says you're doing something annoying. So you want to do something annoying more?

• 57:58Speaker 03

  Yeah.

• 57:58Caleb Hammer?

  Oh, you're crazy.

• 57:59Speaker 03

  What?

• 57:59Caleb Hammer?

  You're a horrible person. What?

• 58:00Speaker 03

  That doesn't make people crazy.

• 58:02Caleb Hammer?

  Okay, when I talk, I talk. I don't go talk.

• 58:08Speaker 03

  And you thought?

• 58:09Caleb Hammer?

  Hmm. Okay, you know, we're cutting every single time you do this, so keep doing it. I don't care, but like, just stop, just be normal.

• 58:18Speaker 03

  I'm trying. I am normal. I'm being myself.

• 58:21Caleb Hammer?

  What's the signature loan?

• 58:23Speaker 03

  I don't know without looking at it, because I don't know what it's from.

• 58:26Caleb Hammer?

  Three thousand, six hundred and fifty is what you borrowed. And literally this month.

• 58:32Speaker 03

  Oh, yeah.

• 58:33Caleb Hammer?

  Literally two weeks ago.

• 58:34Speaker 03

  For my?

• 58:34Caleb Hammer?

  Last, last, sorry, I forgot. We just, it just entered July, a month ago.

• 58:38Speaker 03

  Yeah, for my wheels. I had to get new wheels on my car.

• 58:41Caleb Hammer?

  What? For three thousand, six hundred and fifty dollars?

• 58:43Speaker 03

  And then I, so half of it was the wheels and tires and the other half was paying off my car credit.

• 58:49Caleb Hammer?

  You consolidated car credit? What's car credit? What's car credit? I've never heard of car credit. What's a car credit?

• 58:54Speaker 03

  Um, it's a synchrony bank. They have a car credit.

• 58:57Caleb Hammer?

  A car credit?

• 58:58Speaker 03

  Yeah.

• 58:58Caleb Hammer?

  Oh, you took out a new loan attached to your car?

• 59:00Speaker 03

  So.

• 59:01Caleb Hammer?

  What's a car credit? You mean owed on your car?

• 59:03Speaker 03

  It was a credit card. And I paid it off because it.

• 59:06Caleb Hammer?

  Why'd you say car credit?

• 59:07Speaker 03

  That's what it's called, car credit card.

• 59:09Caleb Hammer?

  Oh, it was a synchrony loan for something that you used previous?

• 59:12Speaker 03

  Synchrony bank credit card called car credit.

• 59:14Caleb Hammer?

  That, okay, so you, you used it for something different?

• 59:18Speaker 03

  No, I used it for my car, to fix my car.

• 59:20Caleb Hammer?

  Yeah, you used it for a different car thing. That was not this current thing.

• 59:25Speaker 03

  So that one ran out of the promotion and I got a thirty-five percent interest on it. So I used the loan.

• 59:31Caleb Hammer?

  The, the answer is yes. The answer is yes. You used it for a different car repair before.

• 59:36Speaker 03

  Yes.

• 59:36Caleb Hammer?

  That's what I was asking. You moron.

• 59:38Speaker 03

  Yes. Um, and then I paid that off with the loan. And then I paid for the wheelies and the tires.

• 59:48Caleb Hammer?

  What's the wheelies? What, is that a brand? Oh, just wheels?

• 59:51Speaker 03

  Wheels.

• 59:51Caleb Hammer?

  You're just infant talking?

• 59:53Speaker 03

  Because one of them was fucked up.

• 59:56Speaker 03

  Because it was sitting in my car, flat.

• 59:58Caleb Hammer?

  Just one?

• 59:59Speaker 03

  Yeah. It was like completely.

• 1:00:01Caleb Hammer?

  What'd you get wheels for every, what'd you get wheels for every wheel then?

• 1:00:04Speaker 03

  Because I downsized my wheels. Because they said.

• 1:00:07Caleb Hammer?

  Is that now more expensive than just replacing one?

• 1:00:09Speaker 03

  They said it'd be cheaper in the long run.

• 1:00:11Caleb Hammer?

  Oh, the fuck.

• 1:00:12Speaker 03

  Because.

• 1:00:14Caleb Hammer?

  Because what?

• 1:00:15Speaker 03

  Because of the tires, because I have to buy tires, you know, every three years or whatever.

• 1:00:18Caleb Hammer?

  So?

• 1:00:21Caleb Hammer?

  Didn't you just have to buy tires with the new wheels?

• 1:00:23Speaker 03

  I'm out of water. Um, yes.

• 1:00:26Caleb Hammer?

  Let's, let's go, let's, can we get a bottle of water for this dumb?

• 1:00:30Speaker 03

  It is cool now. Did you know that?

• 1:00:33Caleb Hammer?

  Yeah, but I said dumb before.

• 1:00:34Speaker 03

  Cuntie. Very cuntie.

• 1:00:38Caleb Hammer?

  Good.

• 1:00:40Caleb Hammer?

  Okay, well, guess what? It's gone up from your original loan balance. That's, that's because interest started to occur before you.

• 1:00:47Speaker 03

  Yeah.

• 1:00:48Caleb Hammer?

  Yes, before you started making your first payment, it's going to be two hundred, twenty-two dollars and sixty-four cents. At an interest rate of twelve point one, it's not good. It is better than a credit card, but it is not good. That's the reality.

• 1:01:00Speaker 03

  But I had to do it.

• 1:01:03Caleb Hammer?

  No, you didn't have to get new tires for every tire. They sold you into it. They upsold you. And they said it would save you more in the long run, which I, I don't even know. But either way, I know it certainly didn't save you more in the short term.

• 1:01:15Speaker 03

  The tires were significantly cheaper because I paid for them.

• 1:01:17Caleb Hammer?

  Then one?

• 1:01:18Speaker 03

  Yeah, well.

• 1:01:19Caleb Hammer?

  Then one?

• 1:01:20Speaker 03

  No, so one.

• 1:01:21Caleb Hammer?

  Exactly. That's what I'm saying.

• 1:01:23Speaker 03

  But in the long run.

• 1:01:25Caleb Hammer?

  I know. They sold you on that. I don't even know if that's true.

• 1:01:28Speaker 03

  It is. It is because I, I had to buy the tires. I had to buy the tires too.

• 1:01:32Caleb Hammer?

  Exactly.

• 1:01:33Speaker 03

  Buy the new wheels and the new tires.

• 1:01:35Caleb Hammer?

  Exactly, instead of having to get tires later.

• 1:01:36Speaker 03

  Each tire was a hundred bucks cheaper.

• 1:01:39Caleb Hammer?

  What? That, but that didn't save you on the thousands you spent. So the long run, we're talking maybe like a decade and a half. Oh, you got sold, girl. You got sold.

• 1:01:49Speaker 03

  I'm not good with cars.

• 1:01:50Caleb Hammer?

  No shit, you're a, we already know this. You're not good at anything.

• 1:01:56Speaker 03

  How do you know?

• 1:01:59Caleb Hammer?

  Well, you're, one, you're bad at being a mother. All you had to do was take some dick, pop them out. Other than that, you haven't taken care of them.

• 1:02:05Speaker 03

  Wrong.

• 1:02:05Caleb Hammer?

  Other than McDonald's. You don't even see them. You don't even take them to do anything fun.

• 1:02:09Speaker 03

  I'm not a bad mother.

• 1:02:11Caleb Hammer?

  Again, you, you're not able to actually support that with anything.

• 1:02:14Speaker 03

  Yeah, because I'm taking care of them.

• 1:02:17Caleb Hammer?

  Not from anything I see.

• 1:02:21Caleb Hammer?

  Two hundred, twenty-two dollars and sixty-four cents is insane. That's.

• 1:02:25Speaker 03

  Yeah. Sorry. I was agreeing with you.

• 1:02:28Caleb Hammer?

  Okay. But I had to do it. You did it and you're justifying it. Because the sale, you didn't. They sold you on the upgrade. It would have cost you like a thousand bucks or something, right?

• 1:02:36Speaker 03

  Um, for the new wheel and tire, yeah, probably would have been like five hundred bucks, six hundred bucks.

• 1:02:44Caleb Hammer?

  What are we doing? The fact that you're justifying spending.

• 1:02:48Speaker 03

  It was, it was six hundred bucks at first and then it was.

• 1:02:52Caleb Hammer?

  And then you spent twenty-five hundred, so shut the fuck up.

• 1:02:53Speaker 03

  I had to buy.

• 1:02:54Caleb Hammer?

  Okay, I have something else.

• 1:02:56Speaker 03

  What?

• 1:02:58Caleb Hammer?

  I don't know. Uh, okay, it's, it's a paying for it, a zero percent interest. So, oh, it's an affirm loan. What did you affirm here? For four hundred, sixty-eight thousand, ninety-seven cents.

• 1:03:09Speaker 03

  The tire for my truck.

• 1:03:11Caleb Hammer?

  What the?

• 1:03:11Speaker 03

  I think.

• 1:03:12Caleb Hammer?

  What are you doing?

• 1:03:12Speaker 03

  Or is that the Amazon?

• 1:03:13Caleb Hammer?

  It's for gear. I'm being told it's gear. I don't know what gear is. What's gear?

• 1:03:17Speaker 03

  I needed gear for the camping.

• 1:03:19Caleb Hammer?

  What camping?

• 1:03:20Speaker 03

  For when we came out here.

• 1:03:21Caleb Hammer?

  What?

• 1:03:22Speaker 03

  We camped our way down here.

• 1:03:28Caleb Hammer?

  Why don't you just spend to come down here?

• 1:03:31Caleb Hammer?

  Camped your way? How many stops did you do?

• 1:03:33Speaker 03

  Um.

• 1:03:34Caleb Hammer?

  It's a straight shot down thirty-five practically.

• 1:03:36Speaker 03

  But it's a long drive.

• 1:03:38Caleb Hammer?

  It's long. How long?

• 1:03:39Speaker 03

  So, well, if I would have went Fargo to Austin, it's eighteen hours.

• 1:03:43Caleb Hammer?

  Well, that's shorter than getting to my home state of Michigan. So it's like, I've done that a shit ton of times.

• 1:03:48Speaker 03

  But I wanted to go see the ocean because I've never seen the ocean.

• 1:03:52Speaker 03

  So we went.

• 1:03:53Caleb Hammer?

  Gavelson? Where'd you go?

• 1:03:56Speaker 03

  Um, like over by.

• 1:03:58Caleb Hammer?

  Not in between.

• 1:03:59Speaker 03

  Corpus Christi, over by there.

• 1:04:02Caleb Hammer?

  So you overshot Austin?

• 1:04:07Speaker 03

  Yeah, and I wanted to.

• 1:04:08Caleb Hammer?

  How long have you been on this road trip?

• 1:04:11Speaker 03

  For the last week.

• 1:04:11Caleb Hammer?

  Financial audit. What the, how much have you spent on this, you moron?

• 1:04:16Speaker 03

  Um, so camping isn't very expensive. It's the gas.

• 1:04:19Caleb Hammer?

  Yes, right now. And you've been doing this for a week and still food and shit like that for a week. And I know you're stopping against the bullshit. So of course, what the?

• 1:04:27Speaker 03

  Well, we only ate out.

• 1:04:29Caleb Hammer?

  How are you camping?

• 1:04:31Speaker 03

  What do you mean? In a tent.

• 1:04:32Caleb Hammer?

  Oh, girl, it's a hundred, a hundred degrees out. A hundred degrees and like ninety percent humidity.

• 1:04:37Speaker 03

  Yeah, the humidity in Arkansas was the worst.

• 1:04:40Caleb Hammer?

  No, how are you doing this?

• 1:04:42Speaker 03

  I don't.

• 1:04:42Caleb Hammer?

  Is this even safe?

• 1:04:44Speaker 03

  There's a whole bunch of people camping, yeah.

• 1:04:47Caleb Hammer?

  Tents, though?

• 1:04:48Speaker 03

  Yeah.

• 1:04:49Caleb Hammer?

  Tents in the middle of Texas summer? Texans love camping. They don't really do it in the summer.

• 1:04:53Speaker 03

  We weren't the only ones. And we were at the ocean, right at the.

• 1:04:56Caleb Hammer?

  The rest of them are homeless.

• 1:04:58Speaker 03

  What?

• 1:04:59Caleb Hammer?

  I'm sorry, the ocean you went to was the Texas side of the Gulf. It ain't a nice ocean. That's the first time you've seen the ocean?

• 1:05:04Speaker 03

  Yeah.

• 1:05:04Caleb Hammer?

  And you saw Corpus Christi Ocean?

• 1:05:07Speaker 03

  I've hardly been out of North Dakota.

• 1:05:08Caleb Hammer?

  No, I can tell. We can all tell.

• 1:05:10Speaker 03

  Yeah.

• 1:05:11Caleb Hammer?

  Girl, it's not like I'm like a big traveler by any means. We know me, but I've seen some nice ocean. Trust me.

• 1:05:17Speaker 03

  And we stopped at the swamp in Cattle Lake. That was nice.

• 1:05:23Caleb Hammer?

  These poor kids.

• 1:05:24Speaker 03

  Every night is usually only like twenty bucks or something like that.

• 1:05:27Caleb Hammer?

  Yeah, but it's a shit ton of travel, shit ton of stopping in against bullshit.

• 1:05:32Speaker 03

  Yeah.

• 1:05:32Caleb Hammer?

  How much have you spent? Was the question I asked you.

• 1:05:35Speaker 03

  I have no clue.

• 1:05:35Caleb Hammer?

  You spent, you got a four hundred, sixty-eight dollar and seventy, ninety-seven cent loan for the gear for the camping.

• 1:05:43Caleb Hammer?

  I'm a buddy.

• 1:05:43Speaker 03

  But I can return some of it.

• 1:05:44Caleb Hammer?

  Hotel room right now.

• 1:05:45Speaker 03

  I can return some of the stuff.

• 1:05:47Caleb Hammer?

  No, no, no, no, no, no, no, no, no, no. That right there, that gear specifically, is you drive down, you stop somewhere halfway, there's your room. You drive down, one more, stay here, boom, there it is. Because what did you spend this one thousand, eighteen dollars on a firm for?

• 1:06:02Speaker 03

  What is that?

• 1:06:03Caleb Hammer?

  Because you even bought a new electric grill.

• 1:06:05Speaker 03

  Yeah. No, I bought a propane grill because the first place that we stayed at in Arkansas didn't have electricity.

• 1:06:11Caleb Hammer?

  If you got a hotel, on the way down, we filmed this and you went halfway back up, hotel, two times, you would have spent less.

• 1:06:19Speaker 03

  Well, we wouldn't have seen the ocean.

• 1:06:20Caleb Hammer?

  Yeah, but you saw the shittiest version. It's the Gulf anyway. You didn't even go see like the Atlantic or Pacific.

• 1:06:26Speaker 03

  I don't know the difference. I saw the ocean finally. I've always wanted to see the ocean. No, I did. And I took my kids so they don't have to go their whole life without seeing the ocean or wondering what it's like.

• 1:06:36Caleb Hammer?

  Ladies and gentlemen, I got something new to help you that we have personally built right here on Calebhammer.com. We have 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. 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 programs from personal loans to car insurance

• 1:07:18Caleb Hammer?

  to see if you can save a shit ton of money across the board. Go to Calebhammer.com where the Caleb Hammer Financial Resources part of the pinned comment or description below and save a shit ton of money. Starbucks is bullshit and a waste of money, and you already know that by making your coffee at home and investing the rest. So now you need to do that with your energy drink as well. Make Gamer Subs at home for just forty cents a serving. Honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show, Fat and Fatter.

• 1:07:52Speaker 05

  The number one ranked energy drink is Gamer Subs.

• 1:07:56Speaker 06

  Literally, the cherry flavor is insane.

• 1:07:59Caleb Hammer?

  Listen, you can also get free samples to see if you like it or ten percent off your order at gamersubs.gg or click that link in the description below, type in code Caleb. Okay, technically, the Gulf is classified as an oceanic basin or a marginal sea of the Atlantic Ocean. So I guess we can say you've technically seen the ocean.

• 1:08:21Speaker 03

  Yeah, I'd say it still counts. It's saltwater.

• 1:08:25Caleb Hammer?

  Yeah.

• 1:08:25Speaker 03

  And jellyfish.

• 1:08:27Caleb Hammer?

  Very good. So one thousand, eighteen dollars and thirteen cents on this affirm. What is this? Oh, it's screen recording Amazon? Okay, let me see. Hold up. Search the screen recording Android freak.

• 1:08:40Speaker 03

  I don't know how. I've never had to do that.

• 1:08:43Caleb Hammer?

  Anyone know how to start an Android?

• 1:08:44Speaker 03

  I think I can figure it out, though.

• 1:08:46Caleb Hammer?

  Oh, no, you can't.

• 1:08:47Speaker 03

  How do you know?

• 1:08:48Caleb Hammer?

  Because we're going to be here for the rest of the time. We're supposed to be filming by the time you figure it out.

• 1:08:52Speaker 03

  Eventually. I don't know. Where do you want my orders?

• 1:08:55Caleb Hammer?

  Just give me your phone.

• 1:09:00Caleb Hammer?

  12 pack of fire color changer. That's what's required to survive. Electric candle lighter. A mini projector. So you can watch things in the tent?

• 1:09:12Speaker 03

  Yeah, that was the plan. It was supposed to storm the first two nights.

• 1:09:16Caleb Hammer?

  Yeah, you gotta do that. I don't know how you guys survive. And fire extinguisher. Sure, that's good safety. But again, spending so much money when we could have just done a night hotel, night hotel. That's it. Inflatable pool floaty.

• 1:09:28Caleb Hammer?

  I guess some of them had a pool or the ocean, right? Um, Band-Aids, yeah, I mean, a projector screen, geez, good death. Air mattress, you're spending so much. There's the tent.

• 1:09:40Speaker 03

  No, it was a beach tent. I didn't use that, so I can return that too. And the projector, because it ended up not.

• 1:09:45Caleb Hammer?

  Amazon basics, I mean, sometimes you gotta, oh, grocery saver. Oh, she's hoping to, she's hoping to get some while she's with her kids.

• 1:09:55Speaker 03

  No.

• 1:09:57Speaker 03

  Can't.

• 1:09:58Caleb Hammer?

  So much bullshit, so much menstrual lube, oh.

• 1:10:02Speaker 03

  Yeah.

• 1:10:03Caleb Hammer?

  You are just, why do you have to be the most disgusting? Oh, pelvic floor extender, oh.

• 1:10:09Speaker 03

  What?

• 1:10:10Caleb Hammer?

  Oh, if it was a hot gas, I'd be getting hard, but.

• 1:10:16Caleb Hammer?

  So was this a thousand? No, this is Samsung. For that, you affirm that phone?

• 1:10:20Speaker 03

  Yeah.

• 1:10:21Caleb Hammer?

  Good fucking death. Okay, what's your payment?

• 1:10:25Speaker 03

  It's like 50 bucks a month or something like that.

• 1:10:27Caleb Hammer?

  What? It's gonna take forever.

• 1:10:30Speaker 03

  It's like a year long.

• 1:10:31Caleb Hammer?

  No.

• 1:10:33Speaker 03

  80 bucks. Okay.

• 1:10:37Caleb Hammer?

  Did you need a new phone? You can't survive, you're spoiling yourself instead of your kids. Besides the camping trip, the first thing you did in their 12 years.

• 1:10:44Speaker 03

  Not the first thing. Anyways.

• 1:10:46Caleb Hammer?

  Sorry, McDonald's. Did you need a new phone?

• 1:10:48Speaker 03

  I gave my kid my old phone, because her phone was dog shit.

• 1:10:53Caleb Hammer?

  Really?

• 1:10:53Speaker 03

  Yeah.

• 1:10:54Caleb Hammer?

  That kid should have access to the internet.

• 1:10:56Speaker 03

  Yeah, they both need phones. They're home alone all the time.

• 1:10:59Caleb Hammer?

  Oh, dude, they have no social interaction.

• 1:11:03Speaker 03

  Yeah, they do.

• 1:11:04Caleb Hammer?

  They don't. The one time that one did, she.

• 1:11:07Speaker 03

  Well.

• 1:11:09Speaker 03

  It's public school.

• 1:11:12Caleb Hammer?

  I went to pu- who went to private school here, anyone?

• 1:11:15Speaker 03

  I went to public school, but I went to public school in a small town.

• 1:11:18Caleb Hammer?

  Two privates over here, for what it's worth. We got, we got the riches. Uh, and we're the public schoolers. Did we ourselves?

• 1:11:26Caleb Hammer?

  Mm-mm.

• 1:11:27Speaker 03

  Yeah.

• 1:11:28Caleb Hammer?

  Uh-uh.

• 1:11:29Speaker 03

  I mean, I went to public school too, and I never.

• 1:11:31Caleb Hammer?

  But what's your point?

• 1:11:33Speaker 03

  It's a different.

• 1:11:34Caleb Hammer?

  Girl, I got caught once in my life and it was unconsensual and I wish I could get that foreskin back.

• 1:11:40Speaker 03

  Okay, um.

• 1:11:43Caleb Hammer?

  Feels much better on being told. I've been told.

• 1:11:45Speaker 03

  Anyway, I don't know.

• 1:11:46Caleb Hammer?

  Well, you wouldn't, but that wasn't for you. That was for the boys. You're purchasing on this visa that you can't pay off.

• 1:11:53Speaker 03

  Yeah.

• 1:11:53Caleb Hammer?

  Forty dollar minimum payment, you immediately put it back on, while interest is accruing, takes nine years to pay off.

• 1:11:58Speaker 03

  I needed some money, because I was out of money. That purchase on there, I think, was when my kid was in the hospital. After I got back from Idaho and Williston.

• 1:12:09Caleb Hammer?

  What? Why was your kid in the hospital?

• 1:12:11Speaker 03

  She needed to have, uh.

• 1:12:15Caleb Hammer?

  Removed?

• 1:12:16Speaker 03

  Yes.

• 1:12:19Caleb Hammer?

  So, mind you.

• 1:12:20Speaker 03

  And that was for food.

• 1:12:22Caleb Hammer?

  That's okay.

• 1:12:23Speaker 03

  Yeah.

• 1:12:23Caleb Hammer?

  Mind you, you weren't there. You see how you're never there for your kids and they getting medical issues?

• 1:12:30Speaker 03

  I was there. I was with her in the hospital the whole time. That's how I spent the money on it.

• 1:12:33Caleb Hammer?

  It was right when you got back it happened.

• 1:12:35Speaker 03

  Right, when I got back.

• 1:12:36Caleb Hammer?

  Right when you got back.

• 1:12:37Speaker 03

  Yeah, right when I got back. I got into town, I had to go right to the hospital.

• 1:12:41Caleb Hammer?

  While you were taking an eight-incher?

• 1:12:42Speaker 03

  I don't know.

• 1:12:43Caleb Hammer?

  Dude, you gotta be there for your kids. Gift shop, a vending machine, and, uh, just getting, going out to eat.

• 1:12:50Speaker 03

  Yeah.

• 1:12:52Caleb Hammer?

  Interest is accruing like crazy. I need you there for your kids. I just need you there for your kids.

• 1:12:56Speaker 03

  Mm-hmm.

• 1:12:57Caleb Hammer?

  Oh, earning, you're doing earning, that's good.

• 1:12:59Speaker 03

  Yeah.

• 1:13:00Caleb Hammer?

  $400.

• 1:13:03Caleb Hammer?

  I mean, this is like, you have to pay it off in order to use it, and that's what it is. Why are you paying, advancing yourself?

• 1:13:07Speaker 03

  Because I need more money.

• 1:13:08Caleb Hammer?

  But you actually don't, because you just spend it all going camping, going and sucking dick, going and do all this stuff. That's what you're doing. How are you guys getting back up? How long until you're back up?

• 1:13:17Speaker 03

  We're going, we're gonna start going tonight, and then.

• 1:13:20Caleb Hammer?

  Are you doing any?

• 1:13:22Speaker 03

  Probably.

• 1:13:23Caleb Hammer?

  Off-trail activities?

• 1:13:25Speaker 03

  I don't plan on it, no.

• 1:13:26Caleb Hammer?

  How long is it gonna take?

• 1:13:28Speaker 03

  Um, so I want to get a hotel, a just cheap hotel for tonight, somewhere on the way.

• 1:13:33Caleb Hammer?

  You already have all the gear. Now you should just camp to save money.

• 1:13:36Speaker 03

  I have to work this weekend, and it's.

• 1:13:39Speaker 00

  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.

• 1:14:08Speaker 03

  It's the 4th of July, they want to be with their dad.

• 1:14:10Caleb Hammer?

  No, but set up a campground instead of a whole.

• 1:14:15Caleb Hammer?

  Goodness. Money management, what is this?

• 1:14:18Speaker 03

  Um, MMI? Have you heard of it?

• 1:14:21Caleb Hammer?

  No.

• 1:14:22Speaker 03

  Oh, sorry.

• 1:14:23Caleb Hammer?

  Maybe, I assume it's like a. Uh, like debt negotiator.

• 1:14:28Speaker 03

  Yes.

• 1:14:28Caleb Hammer?

  Oh, good. Well, you're all back in debt again. Listen, this is why we have great personal loans and, uh, different services and whatnot on CalebHammer.com. We've curated a great select, because I love debt. Debt is great. You can't do it if you're in her position.

• 1:14:41Speaker 03

  Yeah, don't do it.

• 1:14:41Caleb Hammer?

  Really can't, because she consolidated her debt to make it even better, not a consolidation, the debt negotiation companies.

• 1:14:48Speaker 03

  Consolidate.

• 1:14:48Caleb Hammer?

  Kind of, but the thing is, it doesn't work without changing your behavior, because then you end up right where you are today, where you have maxed out credit cards.

• 1:14:56Speaker 03

  Mm-hmm.

• 1:14:57Caleb Hammer?

  How many times have you consolidated before?

• 1:14:59Speaker 03

  Um, so before I did the MMI, I had like.

• 1:15:02Caleb Hammer?

  Good death, yo, 15,000 on it.

• 1:15:04Speaker 03

  Consolidated probably like four times.

• 1:15:07Caleb Hammer?

  Dude, see? Why would you think this changed it? Because guess what? Now you're here again. You're on my show where you have insane debt.

• 1:15:13Speaker 03

  I had to close a lot of the credit cards to get that deal.

• 1:15:17Caleb Hammer?

  And then you opened other ones. You have the Visa, you have a firm, you have a firm, you have a signature.

• 1:15:21Speaker 03

  I've had the Visa since I was 18.

• 1:15:24Caleb Hammer?

  So I know, but like, you still have all the shit. Now you're using earning. Without changing your behavior, you're just in the end, man.

• 1:15:30Speaker 03

  I know, the behavior is a problem.

• 1:15:32Caleb Hammer?

  Payment is 554 dollars. Your behavior across everything is a problem.

• 1:15:35Speaker 03

  The emotional regulation is a problem.

• 1:15:37Caleb Hammer?

  Yes, across everything. And do you not see you rubbing it off on your kids?

• 1:15:41Speaker 03

  No.

• 1:15:41Caleb Hammer?

  What? Where did you just get back from the hospital for? Uh-huh? Come on! How do you not see that you being such an immature, horrible parent is obviously rubbing off?

• 1:15:53Speaker 03

  No, I wasn't there.

• 1:15:56Caleb Hammer?

  That's what you said you.

• 1:15:57Speaker 03

  Oof, okay, okay, okay, yep.

• 1:16:00Caleb Hammer?

  Caught her!

• 1:16:01Speaker 03

  Got him.

• 1:16:02Caleb Hammer?

  Oh, you fucking, you.

• 1:16:06Caleb Hammer?

  Be there for your kids. You were taking dick instead of being there, and she ended up in the hospital.

• 1:16:11Speaker 03

  That was when we, um, were coming back from visiting my friends across the, back home.

• 1:16:17Caleb Hammer?

  You.

• 1:16:18Speaker 03

  But I had the younger kid with me, and she wanted to stay with her friends. She had the option to come with. She didn't want to. She wanted to do.

• 1:16:24Caleb Hammer?

  And guess what? When you weren't there, she went to the hospital, because you're a horrible mother.

• 1:16:28Speaker 03

  It was as soon as I came back.

• 1:16:29Caleb Hammer?

  No, not, not, and you just said you were gone.

• 1:16:32Speaker 03

  As soon as I came back.

• 1:16:33Caleb Hammer?

  No, you, you keep changing your story for what makes you look better.

• 1:16:35Speaker 03

  Getting admitted into the ER when I came back.

• 1:16:39Caleb Hammer?

  Yeah, exactly.

• 1:16:40Speaker 03

  Yep.

• 1:16:41Caleb Hammer?

  Synchrony, what's going on? Care, it's, oh, this is the car. This is the car care, but it's gone.

• 1:16:46Speaker 03

  It's gone now, yep.

• 1:16:47Caleb Hammer?

  They put it on that.

• 1:16:49Speaker 03

  Loan.

• 1:16:51Caleb Hammer?

  Okay, Omaha, FBN, FNB Omaha, what's this?

• 1:16:55Speaker 03

  Um, it's a old credit card. It's also on the MMI.

• 1:16:59Caleb Hammer?

  Okay, same with, uh, Care Credit?

• 1:17:01Speaker 03

  Also on the MMI, yep.

• 1:17:02Caleb Hammer?

  Okay, same with Verizon?

• 1:17:04Speaker 03

  Also on the MMI.

• 1:17:06Caleb Hammer?

  You couldn't do anything. You can't do anything. Same with JCP?

• 1:17:09Speaker 03

  Yep.

• 1:17:10Caleb Hammer?

  All this, all the money goes to literally doing penis stuff instead of actually taking care of the debt. Rent and dog fee, 1,300, I just have written on a paper. What is this?

• 1:17:21Speaker 03

  Um, so.

• 1:17:23Caleb Hammer?

  Rent?

• 1:17:25Speaker 03

  No, my rent is like 1,600 bucks a month. The dog fee is what that is.

• 1:17:30Caleb Hammer?

  Take care of your kids, you have a dog?

• 1:17:32Speaker 03

  I used to, not anymore.

• 1:17:34Caleb Hammer?

  What happened?

• 1:17:35Speaker 03

  Um, I had to get rid of it.

• 1:17:38Speaker 03

  And I couldn't afford to take care of it, so.

• 1:17:41Caleb Hammer?

  Pathetic.

• 1:17:42Speaker 03

  She needed.

• 1:17:42Caleb Hammer?

  And you think you're gonna be able to take care of kids?

• 1:17:44Speaker 03

  She needed vet stuff. She was kinda like disabled.

• 1:17:48Caleb Hammer?

  Dude, you're just, I'm sorry, you disgust me on a person to person basis.

• 1:17:52Speaker 03

  Wow.

• 1:17:53Caleb Hammer?

  Wow, are you surprised?

• 1:17:55Speaker 03

  Yeah.

• 1:17:56Caleb Hammer?

  What?

• 1:17:57Speaker 03

  Yeah.

• 1:17:59Caleb Hammer?

  Are we playing Rust later?

• 1:18:02Caleb Hammer?

  We should play Rust.

• 1:18:05Caleb Hammer?

  Wanna play Rust? Mm-hmm.

• 1:18:07Speaker 03

  Call of Duty?

• 1:18:09Caleb Hammer?

  See, I was trying to make myself happy because you're pathetic and disgusting.

• 1:18:13Speaker 03

  What do you mean?

• 1:18:14Caleb Hammer?

  You're pathetic and disgusting, so I looked at my boys and I was like, let's play Rust.

• 1:18:17Speaker 03

  Some boy things?

• 1:18:19Caleb Hammer?

  That's called, I like to enjoy life. You are bringing my entire mood down here because you're actually one of the worst people I've ever met.

• 1:18:25Speaker 03

  No.

• 1:18:26Caleb Hammer?

  Because kids, nothing matters more than kids.

• 1:18:28Speaker 03

  Right.

• 1:18:30Caleb Hammer?

  And how you're taking care, and taking care, and taking care, and taking care of, and making sure they're being taken care of. Nothing, why does it sound weird to say the word kids? We've just had too many, uh, on the show.

• 1:18:41Speaker 03

  Oh.

• 1:18:43Caleb Hammer?

  You're, you're almost as bad.

• 1:18:44Speaker 03

  No, I'm not.

• 1:18:44Caleb Hammer?

  By letting bad things happen to them. So what is this rent and dog fee?

• 1:18:48Speaker 03

  Um, I had to, I had a dog and I had to get rid of it. And they back, they made me back pay for all the time that I've lived there, even though I.

• 1:18:58Caleb Hammer?

  Good.

• 1:18:59Speaker 03

  Have the dog, the time I lived there.

• 1:19:02Caleb Hammer?

  Sorry.

• 1:19:02Speaker 03

  I tried to pay the deposit when I first got the dog, but they only allowed dogs that were over a year old and I didn't know that.

• 1:19:09Caleb Hammer?

  You have a Nissan Titan. Don't even know what a Titan is.

• 1:19:12Speaker 03

  Yes.

• 1:19:14Caleb Hammer?

  What?

• 1:19:14Speaker 03

  Oh, that was a question? It's a truck.

• 1:19:16Caleb Hammer?

  Kind of, but your response was so.

• 1:19:21Speaker 03

  It's a truck.

• 1:19:22Caleb Hammer?

  I don't know what this is. Yes.

• 1:19:24Speaker 03

  Yes.

• 1:19:24Caleb Hammer?

  Do you have a minimum payment to that dog and rent thing?

• 1:19:27Speaker 03

  They just included in my rent. So I just pay sixteen hundred bucks every month.

• 1:19:33Caleb Hammer?

  Instead of?

• 1:19:33Speaker 03

  Instead of like fifteen something for my rent.

• 1:19:36Caleb Hammer?

  Well, how much is going to this? So I can put it as a minimum because that actually, I need to know when it's paid off. That does help.

• 1:19:42Speaker 03

  It's four sixty, seventy bucks, something like that. But I paid more of it.

• 1:19:49Caleb Hammer?

  I'll do sixty five.

• 1:19:52Speaker 03

  I just included.

• 1:19:53Caleb Hammer?

  Shut up! This Nissan.

• 1:19:54Speaker 03

  What about it?

• 1:19:55Caleb Hammer?

  Instead of five point four percent, that's actually not horrible, with a three hundred and fifty six dollar minimum payment. That's bad for you because you can't afford life. And what's bad is you're underwater by about, uh, ten thousand hours. It's worth twenty seven, you owe thirty seven on it. But here's the thing, you, you already had a paid off car.

• 1:20:11Speaker 03

  Mm-hmm.

• 1:20:11Caleb Hammer?

  And then you did this. Like, is that the worst payment in the world? No. But it's bad when you already had a payoff car. Why'd you get this?

• 1:20:18Speaker 03

  It's super helpful. It's been super helpful.

• 1:20:21Caleb Hammer?

  You already had a car!

• 1:20:22Speaker 03

  Have you seen the snow in North Dakota? It's insane. It's been wonderful. I don't have to call anybody for a ride. I can get through just fine.

• 1:20:30Caleb Hammer?

  Fargo?

• 1:20:31Speaker 03

  Yeah. Do you want me to show you a picture?

• 1:20:33Caleb Hammer?

  Shut the fuck up.

• 1:20:34Speaker 03

  I saved a picture for you. It's got snow in April in my truck.

• 1:20:38Caleb Hammer?

  Okay, so I, that's, I, we used to get that in Michigan. What do you want?

• 1:20:41Speaker 03

  I needed it. And it's been super helpful for like moving stuff, for camping. It's a lot more comfortable.

• 1:20:48Caleb Hammer?

  Then sell your other car and put it towards this then.

• 1:20:51Speaker 03

  That's what some people said, but I wanna keep it.

• 1:20:54Caleb Hammer?

  Why? Why?

• 1:20:55Speaker 03

  Cause then, my kid can drive in a year.

• 1:20:58Caleb Hammer?

  No, please, we, at thirteen?

• 1:21:01Speaker 03

  Fourteen.

• 1:21:02Caleb Hammer?

  You said twelve.

• 1:21:03Speaker 03

  She's gonna be thirteen this year.

• 1:21:05Caleb Hammer?

  Okay, dude, okay, can you drive at fourteen? I thought it was sixteen. Is that when the permits start?

• 1:21:10Speaker 03

  Yeah, yep.

• 1:21:11Caleb Hammer?

  Fourteen?

• 1:21:12Speaker 03

  Then I have a car for my kid already. And for long driving.

• 1:21:15Caleb Hammer?

  Well, even still, sell the car. Save up and help your car, kid get a car and work. Also, I don't want this kid to be mobile, man. I'm scared with this, with what this kid does. I'm scared of, yeah, aren't you?

• 1:21:29Speaker 03

  She's a nice kid.

• 1:21:31Caleb Hammer?

  Well, I didn't say she's a bad kid. She's a risk though, for herself.

• 1:21:36Speaker 03

  Oh.

• 1:21:36Caleb Hammer?

  I, I don't think she's a mean person or bad.

• 1:21:39Speaker 03

  Yeah.

• 1:21:39Caleb Hammer?

  I mean, I kinda met her a little. She didn't seem like a piece of shit.

• 1:21:42Speaker 03

  No.

• 1:21:42Caleb Hammer?

  I never insinuated that.

• 1:21:44Speaker 03

  No.

• 1:21:44Caleb Hammer?

  She's a flight risk for herself though. I don't know if I want her driving around. She needs more help.

• 1:21:49Speaker 03

  Yeah.

• 1:21:49Caleb Hammer?

  Yeah, sell the car and put it towards your debt.

• 1:21:51Speaker 03

  Okay.

• 1:21:52Caleb Hammer?

  What can you sell your other car for?

• 1:21:54Speaker 03

  Um, last I looked, it's like.

• 1:21:57Caleb Hammer?

  Loan title?

• 1:21:57Speaker 03

  Six thousand or something like that.

• 1:22:00Caleb Hammer?

  Uh, five thousand. Okay, sell it and put it towards this. Like, I get it. Yes, maybe.

• 1:22:05Speaker 03

  Yeah.

• 1:22:05Caleb Hammer?

  Maybe, I don't know. I'm, I'm getting some data.

• 1:22:08Speaker 03

  Mm-hmm.

• 1:22:09Caleb Hammer?

  Then I'll have better information here in a second. The interest rate isn't horrible, but what is this?

• 1:22:15Speaker 03

  Hospital bills.

• 1:22:17Caleb Hammer?

  Get on a payment plan. You can get like five bucks a month, dude.

• 1:22:20Speaker 03

  I am on a payment plan.

• 1:22:21Caleb Hammer?

  Well, how much is it? For the nine hundred fifty six dollars and fifty four cents.

• 1:22:26Speaker 03

  Um, I believe it's like fifty bucks a month or something like that.

• 1:22:29Caleb Hammer?

  Yeah, I told you. Okay, essential health, another medical bill?

• 1:22:33Speaker 03

  Yeah.

• 1:22:34Caleb Hammer?

  Okay, it's five forty two, forty seven.

• 1:22:38Speaker 03

  That one I put on my FSA.

• 1:22:40Caleb Hammer?

  So is it paid for then?

• 1:22:41Speaker 03

  Yeah, that one's paid for.

• 1:22:43Caleb Hammer?

  Okay, is this for your kid that can't stop getting hurt?

• 1:22:45Speaker 03

  No, she usually doesn't go to the hospital. That was a long time thing. Yeah.

• 1:22:51Caleb Hammer?

  Okay, so is this a lot of different, wait, what is this? What am I looking at here?

• 1:22:54Speaker 03

  It's a collections.

• 1:22:56Caleb Hammer?

  This collection?

• 1:22:56Speaker 03

  For hospital bill.

• 1:22:57Caleb Hammer?

  Why? Why didn't you get on the payment plans?

• 1:23:00Speaker 03

  Um, I was on a payment plan and that stuff came after.

• 1:23:05Caleb Hammer?

  Three hundred bucks total.

• 1:23:06Speaker 03

  I was already on a payment plan and that stuff came afterwards. So.

• 1:23:10Caleb Hammer?

  Why? Not if you're paying on time.

• 1:23:13Speaker 03

  Coming. The hospital bills keep coming and they send their, um, payment plans.

• 1:23:18Caleb Hammer?

  Fargo, North Dakota gets fifty one inches of snow a year. Kalamazoo, Michigan, where I'm from, gets sixty. It's snowier where I'm from. That's called Lake Effex Snow, thanks to Lake Michigan. I, my entire life went up there and my job was to delivery drive, by the way, so I drove a lot, was a front wheel drive sedan. You don't need the truck, get rid of the truck. You're, I was, I was allowing you to justify it for a second until I actually had data to stand on it and I go through, I, my entire growing up life and driving, learning how to drive, wasn't a car. And if you're willing to have your kid drive the car, by the way, then you're willing to drive the car yourself. You're coping, you're a dumb, get rid of the truck and drive your car.

• 1:23:56Speaker 03

  I need the truck.

• 1:23:57Caleb Hammer?

  You don't.

• 1:23:58Speaker 03

  I do.

• 1:23:58Caleb Hammer?

  No, you don't.

• 1:23:59Speaker 03

  Yes, I do.

• 1:23:59Caleb Hammer?

  Why?

• 1:24:00Speaker 03

  Cause it's more comfortable and I can get through everything.

• 1:24:02Caleb Hammer?

  Okay.

• 1:24:03Speaker 03

  And I started trail riding now.

• 1:24:05Caleb Hammer?

  I'm about to end the conversation because that's not a need. That's not a need.

• 1:24:09Speaker 03

  It's got a huge backseat, heated backseat.

• 1:24:11Caleb Hammer?

  Need.

• 1:24:12Speaker 03

  So I can use it.

• 1:24:12Caleb Hammer?

  That's not a need!

• 1:24:14Speaker 03

  As a casting couch for the daddy role.

• 1:24:21Caleb Hammer?

  No, that's disgusting. Stop, stop.

• 1:24:24Speaker 03

  It's got cooled seats too, which has been great down here.

• 1:24:26Caleb Hammer?

  It's not a need. It's nice. It's a want. Get rid of it. You can't afford it. You can't even take care of your kids. You're pathetic. Student loans for what degree?

• 1:24:34Speaker 03

  Um.

• 1:24:35Caleb Hammer?

  Seventeen thousand, four hundred and ten dollars.

• 1:24:37Speaker 03

  All the degrees I never completed.

• 1:24:38Caleb Hammer?

  Uh, what's your minimum?

• 1:24:41Speaker 03

  I haven't been paying on it.

• 1:24:43Caleb Hammer?

  That's gonna default.

• 1:24:44Speaker 03

  It's been in forbearance for forever.

• 1:24:45Caleb Hammer?

  It's not anymore.

• 1:24:47Speaker 03

  For the save stuff?

• 1:24:48Caleb Hammer?

  Yeah, no, actually that just kicked over this month. You're gonna pick a new plan on the repayment assistance program?

• 1:24:54Speaker 03

  No.

• 1:24:54Caleb Hammer?

  You're gonna default on a few months if you don't now. You need to go home.

• 1:24:57Speaker 03

  I have it on automatic payments, so once it has minimum payments again.

• 1:25:00Caleb Hammer?

  Doubt it because you had to select a new plan. Save plans had to select a new plan.

• 1:25:04Speaker 03

  Okay, I guess I'll have to do that.

• 1:25:05Caleb Hammer?

  Yeah, you need to do that day in the hotel. I'm gonna put it at like fifty bucks because you can probably get it down to there.

• 1:25:10Speaker 03

  Mm-hmm.

• 1:25:11Caleb Hammer?

  What is this? It is a spending account of some kind, but I don't know what.

• 1:25:15Speaker 03

  Uh.

• 1:25:16Caleb Hammer?

  PayPal. Geez, my goodness, you can't answer questions.

• 1:25:18Speaker 03

  It doesn't have.

• 1:25:20Caleb Hammer?

  They're able to answer your questions for you because you suck.

• 1:25:23Speaker 03

  I sent them the stuff.

• 1:25:24Caleb Hammer?

  You sent it, so you should know. You should know. They shouldn't know more about you than you do.

• 1:25:29Speaker 03

  I put the titles on everything when I sent it.

• 1:25:31Caleb Hammer?

  McDonald's, McDonald's. No, this is insane. What are we doing? This is your kids. This is your kids! McDonald's, McDonald's, McDonald's, Spotify, McDonald's, Domino's, Microsoft, Microsoft, Netflix, Microsoft, Domino's, Target, Patreon. And yet you don't even take care of your kids.

• 1:25:50Speaker 03

  They are taken care of. They're taken care of.

• 1:25:53Caleb Hammer?

  Shut the fuck up.

• 1:25:55Speaker 00

  Now, more than ever, we need someone on our side. But Rob Whitman? Whitman's votes drove up costs, cut Medicaid, and risked three hundred fifty thousand 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.

• 1:26:24Speaker 03

  They're taken care of.

• 1:26:25Caleb Hammer?

  Shut the fuck up.

• 1:26:25Speaker 03

  Not you.

• 1:26:26Caleb Hammer?

  Okay, three thousand and there. Oh, HBO Max, Amazon Prime, McDonald's, going in, getting the bullshit, getting the energy drinks. Of course you are, you dumb.

• 1:26:35Speaker 03

  I get donuts for my kids to bribe them to get up for school in the morning.

• 1:26:39Caleb Hammer?

  She can't parent. She can't parent. She can't parent. Give up. Give up.

• 1:26:44Speaker 03

  You should try doing it.

• 1:26:45Caleb Hammer?

  I will at some point and I'll do a lot better than you.

• 1:26:47Speaker 03

  You think?

• 1:26:48Caleb Hammer?

  Just like every other parent.

• 1:26:49Speaker 03

  You don't know what you're getting into.

• 1:26:50Caleb Hammer?

  I have lots of shitty people on the show that are better parents than you. You're bribing your kids to get up. You're a bad parent. GPT, really? For fucking what? What do you do? You don't do shit. Energy, or donuts, Domino's, donuts, uh, some subscription, I don't know. Donuts, Popeyes, bullshit, bullshit, Amazon, theaters, Prime, McDonald's, bullshit, Venmo, Amazon, ah! McDonald's bullshit, photo, TJ Maxx, Chick-fil-A, uh, aesthetics and bullshit, bullshit, Fleet Farm bullshit, bullshit, Domino's bullshit, bullshit. Ah, donuts, bullshit, Guadalajara in North Dakota?

• 1:27:33Speaker 03

  Yes, that's some good shit.

• 1:27:34Caleb Hammer?

  Bullshit, bullshit, Spotify, donuts, play some in-app game you're playing, Taco Bell, Taco Bell, Amazon, Amazon, oh! Retrived payment of PayPal, PayPal, PayPal, PayPal, PayPal, PayPal, PayPal, PayPal, PayPal, PayPal, PayPal, PayPal, PayPal, PayPal. Eleven dollars in savings up from two, woo!

• 1:27:56Speaker 03

  That's not good.

• 1:27:57Caleb Hammer?

  No, your life sucks, which means your kids' life sucks, which actually makes me feel bad because, go, I mean, you can go fuck your life, whatever, I don't care, but they don't get the consent. If it's a two thousand, two hundred.

• 1:28:06Speaker 03

  Beginning.

• 1:28:08Caleb Hammer?

  Okay, retirement, practically nothing, right? Three thousand in your pension, wow. Incredible. Oh, thirty thousand, thirty thousand, thirty thousand. Shut, shut up, shut, shut.

• 1:28:17Speaker 03

  What are they called? 401Ks?

• 1:28:20Caleb Hammer?

  Quiet now. Quiet.

• 1:28:24Caleb Hammer?

  We're almost done. Okay, your income is 5,200.

• 1:28:29Caleb Hammer?

  Your rent is 1,600, right?

• 1:28:31Speaker 03

  Mm-hmm.

• 1:28:31Caleb Hammer?

  But it's actually 1,000.

• 1:28:33Speaker 03

  544.

• 1:28:35Caleb Hammer?

  1,540 we'll put. Your minimums, which will add that extra part too. Jesus Christ, it's actually more expensive than your rent. That's how pathetic you are. 1,648 and 13 cents. What?

• 1:28:47Speaker 03

  What are you talking about?

• 1:28:48Caleb Hammer?

  Your minimums and payments are more expensive than your rent, you dumb.

• 1:28:50Speaker 03

  Oh.

• 1:28:53Caleb Hammer?

  What's your? Oh.

• 1:28:58Caleb Hammer?

  Shut the up. What's your?

• 1:29:02Caleb Hammer?

  Utilities.

• 1:29:04Caleb Hammer?

  Uh. Gas and electric and internet all combined and water and bullshit.

• 1:29:08Speaker 03

  So, gas and electric is about 200 average. Uh, water's like 90. And internet's 90.

• 1:29:18Caleb Hammer?

  Expensive internet. 380. What's your phone bill?

• 1:29:22Speaker 03

  Um. 85.

• 1:29:26Caleb Hammer?

  Not horrible. I'll do helium if, if, if the towers are getting in that area for like T-Mobile and stuff. I'm not just sure in Fargo, but I would check it out. Gas room from drive, drive.

• 1:29:36Speaker 03

  A lot.

• 1:29:37Caleb Hammer?

  Let's do a number.

• 1:29:41Speaker 03

  500.

• 1:29:42Caleb Hammer?

  Car insurance.

• 1:29:43Speaker 03

  140.

• 1:29:45Caleb Hammer?

  Food bill, you should be able to do 700. Meal plan, meal prep.

• 1:29:48Speaker 03

  Mm-hmm.

• 1:29:49Caleb Hammer?

  TP fund, anything else for you and the kids? 250. Medical, healthcare, copays?

• 1:29:55Speaker 03

  A shit ton. Um, probably like 300 a month.

• 1:30:00Caleb Hammer?

  Okay, is there a gym?

• 1:30:02Speaker 03

  No.

• 1:30:02Caleb Hammer?

  No more pets, right?

• 1:30:03Speaker 03

  No.

• 1:30:04Caleb Hammer?

  Try us. 50 dollars a subscription. We'll try. With kids, it might be difficult. Oh, and we're underwater. 5,643 to survive. Get rid of the car. Um, yeah, just sell it.

• 1:30:18Speaker 03

  Should I put that money on the truck? Or where should I put it?

• 1:30:22Caleb Hammer?

  No, no, no. Sell the truck, sorry. Sell the truck. You're out of there. I don't care about your mobile. Uh, then we need to tax that debt as quick as possible so you can at least break even. Once you do, because you're working just a shit ton of extra shifts, not traveling anywhere, not spending money. Then you're paying off that extra 10,000 you'll owe on that. Which will free about 350 bucks, which will get you to break even, which you'll still work hard. And then you start paying off debt and it's going to be years. You can go through bankruptcy at some point. That might be your best option. I would certainly still get rid of the truck, get through bankruptcy, get that loan out of there and keep your car. Um, it's gonna fuck you for getting like future rent places. It's gonna be harder. It's gonna be more expensive to get in. But, um, might be your only option now because you just don't make enough money.

• 1:31:03Caleb Hammer?

  You might need to leave and go to a place with more opportunity because what your position is actually make good money places. Obviously, your kids need a better place anyway, so. This is a disaster. Those are the paths I would go down, but none of it works if you don't change your behavior first. And that starts by following this budget. So don't do any of it without changing your behavior and following this budget for three months. Guys, I'm gonna call this guy that she's stalking and going crazy on. And I'm gonna try my best. I'm gonna get her to.

• 1:31:29Caleb Hammer?

  I'm gonna get him to even know how crazy this is. My goodness, I gotta, I gotta save a brother out there. I gotta save a man. Oh, I gotta, I gotta. Let's get her Hammer Financial Score. Shut the up. Spending in a budget, overspent, 0 out of 10, death disconnection, 0 out of 10, emergency fund, there was nothing, 0 out of 10, retirement. That's at least something. That is $30,000 for someone who is 32, dramatically behind for your income. 30,000, what'd you make? About 3 out of 10, real estate, 0 out of 10.

• 1:31:56Caleb Hammer?

  Hammer Financial Score, 1 out of 10, get just at CalebHammer.com. Now click join to join Hammer Elite for an extra 20 minutes of this episode called Hammer Financial Auto Post Show, where you get three premium shows every single day, six days a week. You can join here on YouTube with that link in the description or by clicking the join button. Or you can watch on the Hammer Elite app or by going to HammerElite.com. See you there.

• 1:32:14Speaker 04

  Hello?

• 1:32:14Caleb Hammer?

  Hi, can you hear me? Uh, this is Caleb. How are you?

• 1:32:17Speaker 04

  Why, why are you calling for?

• 1:32:19Caleb Hammer?

  You're stressed. I'm with your, your little friend.

• 1:32:21Speaker 04

  Um, how does she have my number?

• 1:32:24Caleb Hammer?

  What? What does that mean?

• 1:32:27Speaker 03

  Don't act like that.

• 1:32:28Speaker 04

  I changed my number.

• 1:32:32Speaker 04

  After we hung out.

• 1:32:33Caleb Hammer?

  Are you serious? 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.