Financial Audit's First Affair

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

• 0:00Speaker 00

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• 0:31Speaker 01

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• 0:59Caleb Hammer?

  To watch episodes of Financial Audit a week earlier, check us out on YouTube. I hear that you're literally having to take care of a man-child and raise him.

• 1:06Speaker 03

  I don't see him pulling out his wallet for that.

• 1:08Caleb Hammer?

  It's a credit card!

• 1:09Speaker 03

  Okay, is that not money that I still have to pay back?

• 1:11Caleb Hammer?

  Always throwing people under the bus for the exact stuff you do. No, because I don't pay it.

• 1:16Speaker 03

  Hold on.

• 1:17Caleb Hammer?

  So you can cut me off, but I can't cut you off?

• 1:18Speaker 03

  It's been almost a month.

• 1:20Caleb Hammer?

  Since what? Since anything?

• 1:22Speaker 03

  And then, before that, it was almost a month. Do you not think I'm attractive? Do you think I'm fat? Do you think I'm ugly?

• 1:26Caleb Hammer?

  No, no, no, no, no, no, no, no, no, no, no. Guy, you're [BLEEP] in a... He's spending a shit ton on only [BLEEP].

• 1:38Caleb Hammer?

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• 1:49Speaker 03

  Hi, my name is Alyssa. I'm 20 years old.

• 1:52Speaker 04

  My name's Ethan. I'm 21 years old and we're from Fort Worth, Texas.

• 1:55Speaker 03

  And this is Financial Audit.

• 1:57Caleb Hammer?

  Yes, it is. Thanks for coming down from Dallas, Fort Worth to Austin, Texas. Happy to have you guys here. Lissa, you're the one right in front of me, so let me start with you. What do you do for a living in Fort Worth?

• 2:08Speaker 03

  I work at a retail store and I also on the side work as a barista at a coffee shop.

• 2:13Caleb Hammer?

  What's, yes.

• 2:16Caleb Hammer?

  We know. And retail, what's your position at retail?

• 2:21Speaker 03

  Um, I do sales. Retail sales.

• 2:24Caleb Hammer?

  Okay, I mean, what's retail sales?

• 2:26Speaker 03

  I sell items in a retail store. Like, I don't-

• 2:32Caleb Hammer?

  What capacity? There's a lot, there's actual sales and then there's sales?

• 2:36Speaker 03

  So I don't get paid like commission. I get paid hourly.

• 2:38Caleb Hammer?

  Okay, what do you make?

• 2:39Speaker 03

  Um, eighteen fifty an hour.

• 2:41Caleb Hammer?

  Uh huh, and how many hours a week are you getting from that?

• 2:43Speaker 03

  Forty.

• 2:44Caleb Hammer?

  Now you are twenty. I'm not gonna criticize having any of these jobs by any means, not at all. What hits your account per paycheck cycle for that job?

• 2:51Speaker 03

  Um, after my health insurance, like a thousand.

• 2:56Caleb Hammer?

  And what's that paycheck cycle?

• 2:57Speaker 03

  Uh, every, biweekly.

• 2:58Caleb Hammer?

  Two thousand bucks a month, okay. And barista job, which I would trust your they/them latte. I would be very excited.

• 3:07Speaker 03

  I make a good latte. I make a good latte.

• 3:09Caleb Hammer?

  We know. That's what I'm saying. What do you, how many hours a week are you working in that? What do you make?

• 3:13Speaker 03

  Um, average of about twenty to twenty-five, so it's ten dollars an hour plus tips.

• 3:18Caleb Hammer?

  Okay, okay, cool. And what hits your paycheck per paycheck cycle there? Typically, average?

• 3:22Speaker 03

  Average about seven hundred.

• 3:23Caleb Hammer?

  So you're working your ass off.

• 3:25Speaker 03

  I work about-

• 3:26Caleb Hammer?

  Seven hundred every other week?

• 3:27Speaker 03

  Yeah.

• 3:28Caleb Hammer?

  Okay.

• 3:28Speaker 03

  I work about sixty-seven hours between both jobs. Average, average.

• 3:34Caleb Hammer?

  You're grinding so much. Why are you grinding so much with nothing to show for it? Three thousand four hundred is what hits your account on a monthly basis, by the way, which, by the way, not, I mean, for Fort Worth, forty thousand, forty-one thousand net at twenty, I'm not at all complaining with the amount of hours you're working. Sure, it's a grind, but I'm not at all complaining at that, at your age.

• 3:54Speaker 03

  I mean, it definitely, cuz I had a higher paying job, like, out of, like, right out of high school. Um, that, it kinda sucks cuz I was working less hours, but I was getting paid more. So that kinda sucks.

• 4:06Caleb Hammer?

  That kinda sucks, sure, but like, you're grinding right now.

• 4:08Speaker 03

  I am.

• 4:09Caleb Hammer?

  Why are things?

• 4:10Speaker 03

  Um. I don't know. I just-

• 4:16Speaker 03

  Like a little fun, like a little-

• 4:18Caleb Hammer?

  A little fun. Well, I hear that you're literally having to take care of a man-child and raise him. From your own words is what you told my producer, which is the only thing I read on this list before I come in. Cause I come in blind of the audience, but it literally says, she said, she told me, she has to raise her man-child boyfriend. And you're out there grinding 60 hours a week or so to raise him?

• 4:43Speaker 03

  He does work around the house.

• 4:44Caleb Hammer?

  Oh, so now that you're on camera, you're like, okay, let me defend him a little.

• 4:48Speaker 03

  Yeah, I definitely, cause he works an average of about 32 hours a week.

• 4:57Caleb Hammer?

  Doing what? What do you do?

• 4:58Speaker 04

  Uh, I work in retail. I work in the warehouse section of retail.

• 5:01Caleb Hammer?

  Okay. And what do you make in this position?

• 5:04Speaker 04

  Uh, 16.

• 5:04Caleb Hammer?

  What hits your pay, your paycheck?

• 5:06Speaker 04

  Uh, about-

• 5:07Caleb Hammer?

  16, you're so-

• 5:08Speaker 04

  A thousand, bi-weekly. It's like 900 to a thousand.

• 5:13Speaker 03

  At least from what I-

• 5:15Speaker 04

  You have to pay for health insurance. I don't.

• 5:18Speaker 03

  Yeah, but-

• 5:18Caleb Hammer?

  You're on your parents?

• 5:19Speaker 04

  Yes.

• 5:20Speaker 03

  When we were talking about like our average paychecks before, it was like eight to 900, sometimes seven. Because they cut his hours a little bit recently.

• 5:30Speaker 04

  Yeah, they only cut, they cut my hours for this past schedule because we were over labor.

• 5:37Speaker 03

  But it's like, I see it as, like, can they just, they can't just send you home all the time. Like, they can't just always-

• 5:44Speaker 04

  So they don't, they don't, they don't send me home. They'll just cut my hours. Like, whenever I was at work.

• 5:50Caleb Hammer?

  Wait, how do you guys not even know this? This, this is the beginning of the conversation. How are you guys not even aligned on this? If this is literally happening?

• 5:56Speaker 03

  I'm never home, so sometimes I don't know when he's home. I mean, yeah, like I can check his location if I want to, but sometimes I don't know when he works.

• 6:03Caleb Hammer?

  It's not checking location. It's a different perspective on the hours that he is working and why and how. You guys are already disagreeing about that. How?

• 6:12Speaker 03

  I just don't like, I feel like I go-

• 6:15Caleb Hammer?

  Who's right?

• 6:17Speaker 03

  I feel like I'm right. Like, I feel like, like, I don't know when he's home all the time, but I know what days he works and I know what days he doesn't work because he has the same days off every week. So if he has the same days off every week and he's working the same shifts every week, how does he not have the same hours?

• 6:31Caleb Hammer?

  I can already tell this is a dynamic conversation between both of you. That's what the focus is here. Because, I mean, I immediately have this. Alyssa is convinced she's the only functional adult in the relationship. Through the conversation you had with Colton, your lip is shaking. Uh-oh, she's nervous. Well, Ethan is convinced that Alyssa's controlling, dramatic, and needs to relax.

• 6:57Speaker 03

  Need to relax?

• 6:58Caleb Hammer?

  I mean, these are what you guys said independently to our producer, Colan. Now, Colton, now I know you guys are sitting here. Uh-oh, we're in front of the camera for the first time. I get a little nervous, but I get it. You know, these are people from the audience and you can be too. CalebMamam.com/apply. And you guys are next to each other. It's not just a private phone call with Colton anymore, a little nervous. If that's what you're saying behind the scenes, it seems like out of the gate, the dynamic in this relationship is [bleep]. I don't know how we deal with anything financially. If, like, we have someone that thinks they're adult running the show and you think that that person who thinks she's the adult running the show is actually a controlling [bleep].

• 7:35Caleb Hammer?

  I mean- So what the [bleep] is going on here, guys?

• 7:37Speaker 04

  So my, my hours are mostly consistent.

• 7:41Caleb Hammer?

  That's not what I'm talking about. I'm talking about the dynamics that you guys said and laid out to Colton before you guys came on. The dynamics in this relationship, the adult versus the-

• 7:52Speaker 03

  Because the reason I feel like that is that, like, I am working my ass off. Like, I'm working almost 70 hours a week.

• 8:00Caleb Hammer?

  Yeah?

• 8:00Speaker 03

  And because I want to be able to, I want to be able to put myself in a better position and I feel like-

• 8:07Caleb Hammer?

  Hold on, that's telling yourself, not you guys? Yourself? Yourself? This is, we're not approaching this as a couple. Are we married?

• 8:16Speaker 03

  No.

• 8:17Caleb Hammer?

  How long have we been dating?

• 8:18Speaker 04

  A year and a half.

• 8:19Caleb Hammer?

  Okay, so yourself.

• 8:21Speaker 03

  And we wanna, we wanna be married.

• 8:22Caleb Hammer?

  Sure, but you just said yourself. That is telling. Did you hear that?

• 8:26Speaker 03

  Because I-

• 8:26Caleb Hammer?

  She's not thinking as a couple. She is not thinking as a future together. She's thinking herself.

• 8:31Speaker 03

  I think of, when I think of myself, like, it's not just myself in the sense of I'm only taking care of myself. Because I also-

• 8:38Caleb Hammer?

  Well, that's what you said, but sure.

• 8:40Speaker 03

  I combine it as like, I wanna get myself in a better position because I also want him to be in a better position as well. Like, I have to be able to work on myself as well.

• 8:50Caleb Hammer?

  Okay, that's an interesting cope rollback right there to try to look better. What? Th- this isn't even an answer. That's not right. What? I wanna do better for myself so he's better for himself?

• 9:00Speaker 03

  Yeah, cuz you have to be better, you have to be good individually.

• 9:04Caleb Hammer?

  If you're working on yourself from a personality perspective.

• 9:07Speaker 03

  To also be good for someone else.

• 9:09Caleb Hammer?

  Okay, potentially, but I don't think that's where you're going if we're being honest. Until I called out how you said the language that you used. But either way, you say you're the only functioning adult in the relationship. Tell me about that.

• 9:19Speaker 03

  Well, because I, like, I know when my bills are. I know what my bills are. I know what all I owe. I know when it's gonna come out. And I have to, like, remind him or, like, ask him, "Do you know when this is coming out? Are you paying on your Amazon card? Are you paying on this card? Are you making sure all of your bills are paid?"

• 9:40Caleb Hammer?

  So it is like being a mother.

• 9:41Speaker 03

  A little bit. A little bit, yeah.

• 9:43Caleb Hammer?

  That's draining. That would be upsetting. She has to mother you for you to grow up and stand up in this household and be a contributor to the relationship? Especially, guys, especially if you guys are looking to get married.

• 9:55Caleb Hammer?

  You need her to mother you?

• 9:56Speaker 04

  I mean, it, it has gotten a lot better than it, it was before.

• 10:01Caleb Hammer?

  Uh-huh, is whatever guest in the history of the world says. How about let's actually talk about what's going on? She feels like she has to mother you. In fact, direct crow is she says that she feels like she babysits you.

• 10:14Caleb Hammer?

  So talk about that. Not the, "It's got a lot better," cuz that's the ultimate deflection that every guest uses when they're being challenged on something that is actually going on in the feelings of another person where she herself is saying that she feels like she has to mother you, babysit you. No, it got a lot better. That is not the response. Face the actual reality.

• 10:34Speaker 04

  I mean, she does, she does definitely have to, um-

• 10:37Caleb Hammer?

  Why?

• 10:37Speaker 04

  In certain aspects, just cuz-

• 10:39Caleb Hammer?

  Why? Why you accept that?

• 10:44Speaker 04

  Stupid answers for 200.

• 10:47Caleb Hammer?

  I don't really know, honestly. Like, I didn't sign up to be a product, but apparently I just might be. This right here, it is a multi-page report from a data broker listing everything they know about me. Phone number, income, home value, how many bedrooms there are. It's weird. And no, I didn't give them permission. They just took it. The entire data broker industry survives off of one thing, your apathy. They're banking on you, not caring, not checking, not fighting back. Honestly, most people don't. These companies treat your personal life like a clearance rack. It is disgusting, so I use Aura. Aura is today's sponsor and they actually do something about this mess. They scan these shady sites for your info, send removal requests and follow up again and again until your data stays off.

• 11:32Caleb Hammer?

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• 11:47Speaker 04

  She's, she's better when it comes to, to understanding money and like, budgeting and all that.

• 11:54Speaker 03

  That's why sometimes like I think about, cause we don't have like, one checking account. Like we both have our own checking accounts. That that's why I ask him all the time, has this come out yet? Has this come out yet? Are you gonna need money for this? Do you have money for that? Um, and so I'm like, like, would it be beneficial for us to just have one checking account? So I can take care of all of it, but then I think, should I really have to take care of all of it? I mean, like,

• 12:18Caleb Hammer?

  Should she really have to take care of all of it?

• 12:20Speaker 04

  No, she shouldn't.

• 12:21Caleb Hammer?

  Why do you allow it?

• 12:22Speaker 03

  Like I went through his mail one day.

• 12:24Caleb Hammer?

  Why do you?

• 12:26Speaker 04

  Tell me.

• 12:27Speaker 03

  I went, I went through his mail one day because he was out of town on a work trip for a separate, not with the retail company. He was doing some side work. And I checked the mail and I found his Amazon payment had come in and I opened it and it said he had a late payment.

• 12:42Caleb Hammer?

  Bruh.

• 12:44Caleb Hammer?

  What's going on with you?

• 12:46Speaker 04

  Well, so, okay. So what I, I showed her.

• 12:49Speaker 03

  But he told me that he made the payment.

• 12:51Speaker 04

  Yeah, so it was, I paid it, cuz on the statement, it showed, it was like, what, the second or the third or something?

• 12:58Speaker 05

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• 13:27Speaker 04

  That it came in, but I paid it before the statement came in. Before the.

• 13:32Speaker 03

  He said he doesn't have access to like, his Amazon account?

• 13:36Speaker 04

  No, I have access to it now, cuz before I, it wasn't letting me make an account.

• 13:40Speaker 03

  Like, it said at the, he said at the time that he didn't have access to his Amazon account to make the payment? So, but.

• 13:47Caleb Hammer?

  Were you not making payments before?

• 13:48Speaker 04

  Okay, so I was making payments, but when she sent me that, I had made the payment before, but then I was trying to log in to show her that I had made the payment. And I was, I don't, I didn't have like a user ID at the time for the Synchrony Bank or whatever they go through.

• 14:03Speaker 03

  He said he was paying it as a guest, but I don't get how you pay it as a guest.

• 14:07Speaker 04

  Cuz all you had to do was just, you just had to enter in your card information and that was it. It was your card information and then the last four of your social.

• 14:13Caleb Hammer?

  Okay, well, listen, here's the fact. She's wondering if she needs to take extra control by combining checking accounts to extra baby because she is seeing that you are not able to take care of things behind the scenes. And we're talking marriage? Playoffs? Don't talk about playoffs? You kidding me? Playoffs? What she told Colton specifically is that she's been in relationships like this before and never wanted to do it again. How is marriage even on the, I mean, possible future? How is it even in the possible future? If she has vowed to never go through this. Again, and you're taking her through the mud again.

• 14:50Speaker 03

  And I do really want to get married. Like, I wanted to get married at like two or three years and we're already approaching like our two year. But he says, I want to get married when we're financially stable, when we have money to do it. And I'm like, so what are we gonna do to do it? Like, yeah, I get, you know, I have my own habits. He has in his own habits, but like, if I like, feel like I have to go through his mail to make sure that he's making a payment that he says he's making. I had a feeling, I was like, because he would say. He said, I have a balance of $700 on my card, or I have a balance of $600 on my card. I'm like, why is the balance changing? If you say you're not spending on it, why is the balance changing? Like, why do you suddenly owe $100 less? But, you know, interest is also a thing.

• 15:35Caleb Hammer?

  What do you think it is? Lies or ignorance?

• 15:37Speaker 03

  I just think he doesn't know.

• 15:39Caleb Hammer?

  So ignorance.

• 15:39Speaker 03

  Because I check my statements every day. I check my statements every day. I check my Discover card every day. Like, I know.

• 15:45Caleb Hammer?

  How do we correct the lack of no? If he doesn't give a [bleep], is he showing any effort to try to correct the lack of no?

• 15:53Speaker 04

  I mean, I have.

• 15:55Caleb Hammer?

  What?

• 15:56Speaker 04

  I.

• 15:56Caleb Hammer?

  She had to go through your mail to find out.

• 15:58Speaker 04

  I, I do look at it. I don't look, I wouldn't say I look at it as much as she does, like, how she looks at her statements. I'll look at my statement, like, when I pay it, and then I'm like, okay, I'll need to pay it by, like, I know my Amazon card is the second of each month. So I'm like, okay, I have, you know, until the second to pay it. And then when I look at it, I'm like, okay, I have $40 to pay next month, and then I'll pay it.

• 16:20Speaker 03

  But it's like, like I said, I always know how much money is on my cards because I check it literally every day. And I'm not saying you have to check it every day, but like, you're telling me almost every time that we talk about it, that the balance is different. Like, so unless you're either getting something on it, then you're not telling me, or you're just not being honest about it, like, how does that just change?

• 16:47Speaker 04

  I mean,

• 16:49Speaker 04

  there, other than that late payment, that's the only thing that has changed because I don't use the card anymore.

• 16:59Speaker 03

  So then, why can't you give me an exact number when I ask what the balance is?

• 17:02Speaker 04

  Because I don't look at the number. Because I, so okay.

• 17:04Speaker 03

  That's exactly what I said.

• 17:06Speaker 04

  To me, what, I don't really care about looking at the number because like, I'm at the pay it anyways. So as long as I know how much I have to pay and when I have to pay it, then.

• 17:19Speaker 03

  So like, this is what I'm talking about, though. Like how I've said, I make a $300 payment here, or I make a bigger payment here. Like, you know, the minimum payment you have to make, but how do you, how do you plan on paying it off in less than however long it's going to take just making your $48 payment? Without like, oh, I need to make a bigger payment here. I have extra money to make a bigger payment here.

• 17:39Speaker 04

  Because I don't, I don't always just make the minimum payment.

• 17:43Speaker 03

  Yeah, we used to do auto pay on your cards and then you had, you used to have to dispute the auto pay because you didn't have enough money to do it.

• 17:49Caleb Hammer?

  Gosh. Why do you think he has the lack of care into investigating and finding out kind of what's going on?

• 17:54Speaker 03

  I feel like we grew up very different financially. Like, his dad makes so much money.

• 17:59Caleb Hammer?

  So he grew up rich?

• 18:00Speaker 03

  Pretty much. Pretty much grew up with a lot of money. I grew up like, my parents were really lucky that the house we lived in, because we're not from Texas, so the, their house was a lot cheaper.

• 18:12Caleb Hammer?

  Texas is pretty cheap, but okay.

• 18:13Speaker 03

  $600 a month for a three-story house on two acres of land.

• 18:16Caleb Hammer?

  Well, it depends when you buy it, but sure.

• 18:17Speaker 03

  I mean, they rented.

• 18:19Caleb Hammer?

  Okay. Well, either way, okay, so you had.

• 18:22Speaker 03

  Like, my parents would struggle with that.

• 18:24Caleb Hammer?

  Yeah, and struggle with the $600 a month payment. That's pretty brutal. So you grew up rich and privileged, so now you're not actually looking to shit? You don't have to fight for anything?

• 18:33Speaker 04

  For, when I was growing up, my dad, he wouldn't let me, like with my own personal paychecks I would get, he wouldn't let me buy anything that I wanted. So, I feel like.

• 18:43Caleb Hammer?

  Wait, wait, your own personal paychecks, how old were you?

• 18:45Speaker 04

  16, 17. I was working my own job.

• 18:47Speaker 03

  I was like, for all of my stuff, though. I got my first job when I was 14.

• 18:51Speaker 04

  Even when we were like, when we first started dating, my dad would not let me spend my money. And.

• 18:57Caleb Hammer?

  What does, what does that mean?

• 18:59Speaker 04

  Like, he wouldn't let, like, he wouldn't let me spend money on things that I wanted. Like, if I wanted to go out.

• 19:02Caleb Hammer?

  What were you asking for? What were you trying to do? What do you mean he wouldn't let you? How would he not let you? Did you not have access?

• 19:08Speaker 04

  If I wanted to go get a new pair of shoes or something, I would come home and I would get.

• 19:10Speaker 03

  You spent like $2,000 building your PC.

• 19:13Speaker 04

  Yeah, but that was over the span of like a year. That wasn't.

• 19:17Speaker 03

  Yeah, but.

• 19:17Caleb Hammer?

  That is a shit ton of money when working like a part-time, minimum wage job in high school.

• 19:21Speaker 04

  If I would go and get like shoes or something, he would yell at me about spending, you know, a hundred something dollars on shoes. And I'm like, it's my money.

• 19:27Caleb Hammer?

  Well, sure, your money, but maybe trying to teach discipline and budgeting and the lack of.

• 19:31Speaker 03

  Bought everything for him, though. Like, that's what I'm talking about. Like, his dad, his dad still pays for some of his stuff, which don't get me wrong. Like, my mom still pays for some of my stuff here and there.

• 19:39Caleb Hammer?

  Your ages, I don't have a problem with that, but it is enablement or the lack of learning things. Maybe he was trying to teach you that you need to actually value money. You shouldn't just blow it all and you should possess them aside.

• 19:49Speaker 04

  Yeah.

• 19:49Caleb Hammer?

  Well, what was he trying to say? What was he saying?

• 19:51Speaker 04

  He, he would literally just say you need to stop spending money. And that was.

• 19:54Caleb Hammer?

  Was it correct?

• 19:55Speaker 04

  Yeah.

• 19:56Caleb Hammer?

  Well, there you go.

• 19:57Speaker 04

  In the grand scheme of things, it was, looking back at it.

• 19:59Caleb Hammer?

  So what, what? How are you taking that? You're using that as a cope for why you're [__] now?

• 20:04Speaker 04

  Well, I think.

• 20:06Caleb Hammer?

  Cause that's what you brought up, big guy.

• 20:07Speaker 04

  Part of the way I look at it is if I have, if I have the money to pay for the stuff that I need to pay for, and then if I have some remaining money over, then I'm gonna spend it.

• 20:20Speaker 03

  But he does that, but he also doesn't, like, he's not saving anything. Like, yes, I do the same thing to an extent, but I have, I have a savings.

• 20:27Caleb Hammer?

  And how are we getting to a marriage if we're so disconnected and our goals aren't what we want to do? I just hope we can win a game. I understand different backgrounds, so that's okay, but you guys are coming one into a partnership. How the [__] are we even gonna get that? I mean, she calls you an instigator, enabling, uh, blames, but you blame her for enabling your spend. So he blames you, by the way. He blamed you to Colton for enabling his spending.

• 20:51Speaker 03

  I don't feel like I enable the spending. I feel like we both spend. Like, he can go buy stuff on his games. I don't tell him to buy stuff on his games.

• 21:01Caleb Hammer?

  Why do you say that? Why'd you say that to Colton that she enables you to spend?

• 21:04Speaker 04

  I think what, what we said was that it's more of if, if she wants, like, if we want to go out and do something, like, she pays for one thing, I pay for one thing. And then if.

• 21:16Speaker 03

  But how is that enabling if we're splitting it?

• 21:18Speaker 04

  Well, like, some other stuff like.

• 21:20Speaker 03

  That'd be me saying, I'm gonna have you pay for all of this, and it's not coming out of my bank account, but it still affects us. Like, we live together. Like, we pay the same bills. Like, how is that, how is that enabling if, like, we agree to go do something? Like, you asked me if I wanted to go see the Five Nights at Freddy's movie.

• 21:38Speaker 04

  Yeah.

• 21:38Caleb Hammer?

  I'm not saying we can't do anything. I'm not trying to say that at all. But again, we're throwing each other under the bus. You call him an instigator. You call her enabling, spending your money. I'm not saying we can't do anything. I'm not saying we shouldn't treat ourselves here and there, especially within a budget. I mean, okay, combined household income for you guys right now, net, we got the 3,400 from Elisa and 1,800 from Ethan. That's $5,200 a month. It's not half bad at our ages. It's cer- not even close to bad. I'd say you're at a pretty powerful position. $62,400 a year. You're in that median for the area in terms of net income. You guys ain't doing half bad. Well, we're not aligned at all.

• 22:20Speaker 03

  It's just like, that's what sucks to think about sometimes is like, that sounds like a good number.

• 22:24Caleb Hammer?

  It is.

• 22:25Speaker 03

  It sounds like a great number.

• 22:26Caleb Hammer?

  It's well above your age.

• 22:27Speaker 03

  Like, again, I'm working like almost 70 hours a week.

• 22:31Caleb Hammer?

  Okay, 70 hours a week for what? What does the household spend going out to eat last month?

• 22:34Speaker 04

  I mean, we kinda died down going out to eat.

• 22:36Speaker 03

  200, maybe?

• 22:37Speaker 04

  But yeah.

• 22:38Caleb Hammer?

  It's interesting how he keeps saying they've gotten better when I have the numbers literally right in front of them, dumbass.

• 22:42Speaker 04

  I mean, we have. Like, we used to go out to eat, like, every day.

• 22:46Caleb Hammer?

  So what was the number, Ethan?

• 22:47Speaker 04

  About 200. But before is way worse.

• 22:50Speaker 03

  200.

• 22:51Caleb Hammer?

  Okay. Yeah. It was $946.87. What the [bleep] are you talking about? What the [bleep] are you talking about? That's not pulling out of my ass. An accountant looked through your numbers and made the spreadsheet for me. What the [bleep] you on about? Got better? You don't know what the [bleep] you're talking about. Cause you don't look at shit. She said you don't look at shit. She had to go in the mail to look at your shit. Cause you don't look at your shit. You can't say 200. I don't know how you said 200. You say you look at your shit. But combined as a household, it was nearly not, it was nearly a thousand [bleep] dollars.

• 23:22Speaker 03

  I, like, I have recently started eating out more than I did before because I-

• 23:27Caleb Hammer?

  Why?

• 23:27Speaker 03

  Because I work, I work two jobs. I work two jobs. I work, like, one of my jobs is five minutes away from my house. Other job is 20 minutes away from my house.

• 23:35Caleb Hammer?

  But now you're just working more hours so that you can eat out.

• 23:37Speaker 03

  But when I eat out, it's only like $10.

• 23:39Caleb Hammer?

  You're eating out because you're working more. You're working more because you're eating out.

• 23:41Speaker 03

  Like-

• 23:41Caleb Hammer?

  Then how can you say 200, Ethan?

• 23:43Speaker 03

  He works five minutes away.

• 23:45Caleb Hammer?

  Wake up, Ethan. Ethan, wake up.

• 23:46Speaker 04

  I am awake.

• 23:48Speaker 03

  Doesn't sound like it.

• 23:49Caleb Hammer?

  How are you saying 200?

• 23:50Speaker 04

  I mean, I, it just doesn't feel like it's-

• 23:52Speaker 03

  No, think of it this way, that if you go to Chick-fil-A almost every single day you're at work, which is right down the, like, not even down the street, like, it's in the next parking lot from where you work, and you spend $12 every day you're at work on Chick-fil-A. Do you think that not, it doesn't add up over 30 days?

• 24:11Speaker 04

  Yeah, but I don't, I don't always get Chick-fil-A, though.

• 24:15Caleb Hammer?

  Like, I know I get it majority of the time, but I don't get it every day. A thousand dollars going out to eat is what this household did.

• 24:22Speaker 03

  And yeah, when we, like, when we go out to eat, we'll spend maybe, I think the max we spend is usually $70 when we go out together, but, like, that's, we do that maybe twice a month. So, obviously, if we're eating out on our own, which, like I said, I usually pack my lunch now. So, I pack my lunch-

• 24:39Caleb Hammer?

  What? You just said you ramped up eating out. You guys make no sense. You are contradicting each other. You're owning yourself.

• 24:44Speaker 03

  It's like half and half now, so-

• 24:46Caleb Hammer?

  Half and half is insane. Half and half is [bleep] crazy. That is way too much money. What are you talking about?

• 24:53Speaker 03

  Because all, like, yesterday, I packed my lunch, but I forgot my lunchbox at home, so I was already-

• 24:58Caleb Hammer?

  That's a day. That is not half the days, you tit. What are you talking about?

• 25:02Speaker 03

  Well, because-

• 25:03Caleb Hammer?

  That is a one-time cherry-picked excuse. That is not. Let's talk about student loans. I know it's something we all avoid talking about, but if your private student loans are crushing you, YRefi might be exactly what you need. They don't rely on your credit score alone. They look for borrowers who have the desire and the ability to repay. That is a game changer in a market where most lenders only see a number. Interest rates? Under 6% guaranteed. That's practically a unicorn in student lending. Plus, they offer structured payment plans to lower your monthly bill, and even a co-center release program so your mom and dad can step off the hook. YRefi's known for their personal service. No faceless call centers.

• 25:47Caleb Hammer?

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• 26:24Speaker 03

  Well, it's happened before because like I said, I work two jobs.

• 26:26Caleb Hammer?

  Half the days, half the days.

• 26:28Speaker 03

  I work two jobs. So when I go to one job in the morning and I'm there at five o'clock in the morning and then I have to be at my second job at one and I don't leave my first job until 12. I go straight from my first job to my second job and I don't have any food in the morning other than what I can make at my job in the morning. So then yeah, sometimes I do have to buy lunch.

• 26:44Caleb Hammer?

  Here's a little fun fact of the second job you have that brings in fourteen hundred dollars a month. A thousand of it is going out to eat. You are working so that you can go out to eat so that you can work so that you can go out to eat. You wouldn't have to work so much if you didn't spend all your money.

• 27:00Speaker 03

  But that's also, that's combined though. So.

• 27:02Caleb Hammer?

  It is combined. Call it half. You're still working your fucking ass off and he's suggesting you go out to eat more than him anyway.

• 27:08Speaker 03

  How, how would I go out to eat more than you?

• 27:11Caleb Hammer?

  Oh, you say you go half the days.

• 27:12Speaker 03

  Maybe half the days I work, but he goes almost every day he works.

• 27:16Caleb Hammer?

  Ethan.

• 27:16Speaker 04

  Yeah, man, I would say I do go more than she does.

• 27:19Caleb Hammer?

  Why? You make less. What the fuck are we talking about?

• 27:22Speaker 03

  And it's like, we buy stuff to meal prep. Like we buy chicken and rice and we plan to make the food, but sometimes I don't do it because.

• 27:30Caleb Hammer?

  How do we fail? How do we fail? Are we just completely lazy? Ethan and White Froggen together at last finally and they're just going out to eat? Every day of their lives?

• 27:38Speaker 03

  Well, like I said, like we buy stuff to meal prep, but I don't always get the time to meal prep because I work all the time. I don't get home.

• 27:46Caleb Hammer?

  No, that's not what meal prep is. Meal prep is in the limited time you do have you.

• 27:50Speaker 03

  What I'm saying is that he's home more. What I'm saying is he's home more. So, because he likes to cook.

• 27:56Caleb Hammer?

  Well, why aren't you doing? Why aren't you doing?

• 27:58Speaker 03

  Because he doesn't know how to cook the chicken. He doesn't know how to cook.

• 28:02Caleb Hammer?

  Oh, then the way that you do, don't make it the way she does.

• 28:05Speaker 03

  He used to use our grill all the time and the chicken he makes on the grill is really good.

• 28:10Caleb Hammer?

  What is wrong with?

• 28:12Speaker 03

  Buy a new grill? We can buy a new grill.

• 28:14Caleb Hammer?

  Boil it!

• 28:15Speaker 04

  You know how many times?

• 28:16Caleb Hammer?

  British!

• 28:16Speaker 03

  Boil chicken though.

• 28:17Caleb Hammer?

  No, I'm just saying you can cook it in so many ways. Put it in the fucking stove. It's the easiest damn thing you've ever done in your life.

• 28:23Speaker 03

  Like, we bake chicken with the foil wrap things that you make. Like, you've done that before.

• 28:29Speaker 04

  We don't do chicken. We do sausage.

• 28:31Speaker 03

  Oh, sorry.

• 28:32Caleb Hammer?

  Oh my goodness, what is wrong with you? Miscellaneous bullshit. This could be video games. This could be, I think, stopping in and getting an energy drink. That kind of stuff. Miscellaneous bullshit. Proven miscellaneous bullshit. What do you think that was last month? It says all that extra stuff outgoing that is not going out to eat, but it is bullshit. Could be a lot boo boo. What do you think?

• 28:51Speaker 04

  Hmm, I'd say probably 500.

• 28:54Speaker 03

  I was gonna say 500.

• 28:55Caleb Hammer?

  Okay, $2,659.43. You guys are broken. You guys are broken. You guys are broken. Take that, combine it with your going out to eat spending, and all that's your entire income. Already gone. No, no, not even close. That's...

• 29:13Caleb Hammer?

  Bullshit spending? $946. By the way, there were other large purchases of $1,590. We don't know exactly what those are yet. They could be bullshit, they could be not, but provable bullshit was...

• 29:29Caleb Hammer?

  Provable bullshit was $3,606.30.

• 29:35Caleb Hammer?

  He's the villain, she's the villain. You guys are both the villain. You're spending 70% of your household income on you bullshit, contributing nothing, just fun, slop bullshit.

• 29:46Speaker 03

  Well, it's like, I see it as, like...

• 29:49Caleb Hammer?

  You're working for bullshit.

• 29:50Speaker 03

  But I like some of that bullshit.

• 29:52Caleb Hammer?

  That's good, but you can't complain about work anymore because you're not working for necessities. You're working for bullshit. So it's now, I'm no longer giving... I wanted to give you a handshake at the beginning, like, she's grinding so she can take care of the household. No, you're grinding for wants. So you can no longer complain about your grind. You're only grinding for the things you want. You wouldn't have to if you weren't spending all your money on bullshit. You could cut your hours, absolutely. Probably not anymore because we've got to pay off debt, but before, yeah. You didn't need to do all this.

• 30:18Speaker 03

  I don't want to work like two jobs longer than.

• 30:21Caleb Hammer?

  I don't give a f-

• 30:22Speaker 03

  Like.

• 30:22Caleb Hammer?

  Obviously you want the.

• 30:23Speaker 00

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• 30:53Caleb Hammer?

  Bullshit more than not wanting to work those jobs because you're working those jobs to pay for your bullshit. What was it 3,600? Fuck you. What are you talking about?

• 31:02Caleb Hammer?

  It's twice his income. What are you talking about?

• 31:04Speaker 03

  But again, like with that being combined, like I don't know.

• 31:09Caleb Hammer?

  70% of your combined income. Yes.

• 31:12Speaker 03

  I don't know what he spends his money on. Like, I don't know.

• 31:15Caleb Hammer?

  Do we not have these conversations at all? We're planning to get married and you don't know what he spends his money on.

• 31:21Speaker 03

  Like he'll tell me every once in a while.

• 31:23Caleb Hammer?

  Oh, fuck.

• 31:24Speaker 03

  That like he'll buy something on his game or like, I mean, I just assume every day that he's going out to eat. Like, I just assume because I know he doesn't pack his lunch and if we don't meal prep, he doesn't take lunch with him. Other than like if we have leftovers from we went out to dinner the night before or something.

• 31:40Caleb Hammer?

  Guys, what was our outflow last month? Outflow, we know your inflow, bought that 5,200. What was your outflow? Outflow.

• 31:48Speaker 03

  I don't think it would be more than what we make.

• 31:50Caleb Hammer?

  Ethan.

• 31:51Speaker 04

  I wouldn't be surprised if it was more than what we make.

• 31:53Speaker 03

  I don't know how it would be if I'm barely spending on my credit cards anymore.

• 31:57Caleb Hammer?

  Ethan. What do you think, big guy?

• 32:02Speaker 03

  I think maybe 4,000.

• 32:03Caleb Hammer?

  Okay.

• 32:05Speaker 03

  Forty-five.

• 32:06Speaker 04

  I think around there too.

• 32:08Caleb Hammer?

  Okay, $6,411.17.

• 32:13Caleb Hammer?

  You guys can't get shit to save your lives.

• 32:16Speaker 03

  We were closer this time, though. We were closer than the first time.

• 32:19Caleb Hammer?

  You're still, you're broken. Do you guys not talk at all? Do you guys not communicate? Cause you guys have no idea what the is happening in this household.

• 32:27Speaker 03

  I feel like.

• 32:27Caleb Hammer?

  Not for a single.

• 32:28Speaker 03

  Like we haven't. I feel like, cause I used to ask him questions a lot more, but when he was.

• 32:34Caleb Hammer?

  That's not an engagement ring.

• 32:35Speaker 03

  It's a promise ring.

• 32:36Caleb Hammer?

  Okay, I was gonna say, cause we're getting there. That is the finger.

• 32:40Speaker 03

  Yeah, it's a promise ring.

• 32:42Caleb Hammer?

  He has a gay one. Okay.

• 32:44Speaker 03

  It's Darth Vader. It was his early Christmas present.

• 32:46Caleb Hammer?

  No, I love Star Wars. I don't give a about your passion about Star Wars. You guys don't talk.

• 32:50Speaker 03

  Well, it's like when he was out of town and I found his statement. Like I texted him, if you don't want to talk about this stuff anymore, fine. I'll take care of me. You take care of you, but I'm not gonna split. The text.

• 33:03Caleb Hammer?

  Oh, yeah. Oh, and don't you worry, we're gonna go all through those text messages and find the drama in the post. Show. We always do. Hammer Elite number one on YouTube for a reason.

• 33:17Speaker 03

  It was a while ago, so it might take a second.

• 33:19Caleb Hammer?

  Search.

• 33:20Speaker 04

  I feel like we don't really, we don't really talk about that stuff over text.

• 33:24Caleb Hammer?

  Or talk about that stuff at all.

• 33:27Speaker 04

  I mean, we, we don't. Uh, like a lot, really.

• 33:32Speaker 03

  When did we go to Buffalo?

• 33:34Speaker 04

  September.

• 33:34Caleb Hammer?

  You went to Buffalo?

• 33:36Speaker 03

  His, his dad paid for it.

• 33:38Caleb Hammer?

  So you went to Buffalo?

• 33:40Speaker 03

  It was my first NFL game.

• 33:42Caleb Hammer?

  In Buffalo?

• 33:43Speaker 03

  I don't know anything about football. So I was fine with just, like, I was happy to be there. It was my first NFL game.

• 33:50Caleb Hammer?

  First NFL game. You live in Fort Worth.

• 33:52Speaker 04

  Yeah, but the Cowboys suck ass.

• 33:54Caleb Hammer?

  Huh?

• 33:54Speaker 04

  The Cowboys suck ass.

• 33:55Caleb Hammer?

  How are the Buffalos?

• 33:56Speaker 04

  Good as shit.

• 33:57Caleb Hammer?

  I think it's on McMillan. I mean, he's got it up top, but I thought he lost it as he was falling toward the ground there. You had to go to Buffalo for it. Buffalo.

• 34:07Speaker 04

  We went to Niagara Falls.

• 34:08Speaker 03

  We did go to Niagara Falls.

• 34:10Caleb Hammer?

  That's nice.

• 34:11Speaker 03

  So.

• 34:12Caleb Hammer?

  Here we go.

• 34:14Caleb Hammer?

  Here comes the slop. Give it to me, give it to me.

• 34:16Speaker 03

  So it's kind of a long conversation.

• 34:18Caleb Hammer?

  Oh, I bet it is. Take me to the top.

• 34:21Caleb Hammer?

  And this is what I live for. We're putting it on screen. We're blurring out names. It starts with, what you doing from her? Ethan says, taking a shit.

• 34:31Caleb Hammer?

  She says, your Amazon card is over the limit by a hundred dollars plus and you're late on your payment. Ethan says, my payment just went through. I paid 150. She says, I'm looking at the statement right now. You told me it was like eight hundred dollars.

• 34:44Speaker 03

  Which he did.

• 34:45Caleb Hammer?

  Shh, quiet. When you looked at your bill a few weeks ago, because you said you needed to pay it at the beginning of October. It literally says it's late and your minimum payment is now 200 dollars plus. I don't know why you're like not telling me this stuff. Like you told me, you looked at your Amazon card when we talked about this about a week ago and told me it was around a hundred dollars. I'm upset because I don't even know what to do about this anymore. Like I try helping and telling you that you can be honest with me and I won't be upset. But seeing that it's over the limit and late makes me feel like it just went over my head. I'm not trying to blow up about it. I'm just upset. You're kind of blowing up about it.

• 35:31Speaker 03

  Well, I was upset.

• 35:32Caleb Hammer?

  Well, okay, I don't know why it's showing it's 200 dollars plus and late when I paid 150 dollars three days ago. And that was more than what my minimum was. It's not even letting me log into the account, so I can't even prove it two days ago. Correction. She says, you don't need to prove it. I'm looking at the statement. You have a late fee. He says, no, I don't need to prove it because clearly you're not believing me that I paid it when I did. We'll see it in these statements. She says, or and then you say, Ethan says, they print the statements out early. She says, okay, if you said you paid the 150 dollars, that's fine. But it doesn't lie about the fact that you've had a, you have a late fee, meaning you did not pay in time for September or you didn't pay September at all.

• 36:14Caleb Hammer?

  Also, it doesn't change the fact that you told me there was about 800 dollars on your card. I'm not going to argue about this. Call them or something and see if they've. Waved the fee, the late fee, maybe, I don't know. I'm done talking about this stuff because I really don't feel like it's going to do anything anymore. I'm not mad at you, I'm just disappointed. That's the heavy hitter. And it's not just wrong of me to be upset, and it's not wrong of me to be upset with you telling me one thing and saying it's otherwise. Like, I was feeling better about this stuff after we talked about it. And I felt like you reasserted me the other, ooh, so you were manipulating or kind of leading her astray. And it had been okay. I don't feel like you're understanding it from my perspective.

• 36:57Caleb Hammer?

  How are we gonna like save for anything, move out on our own? You guys don't live, oh my gosh, pay for the boys stuff.

• 37:06Caleb Hammer?

  What's the boy stuff?

• 37:07Speaker 04

  Um, that's kind of interesting.

• 37:10Caleb Hammer?

  Okay, hold on that. Get a house, get our own car insurance, be able to still go out and do the things we want if we can't be on the same page about this stuff. I'm not gonna drown like my parents do, take care of it and be honest with me. She sends the thing, the, you know, the statement, you sent a screenshot of the minimum payment due. She sent in big ol', oh, keeps going, okay. This still doesn't change that you were late on your payment when you said you were going to take care of it. And that you told me last week your balance was around $800 because you said you looked. That is what I don't understand. If you, if you want your own finances and I, and I have my own life, fine, I'll leave you alone about it.

• 37:51Caleb Hammer?

  But I don't know how you might expect us to progress and have stability with this stuff if you can't even talk about it or figure it out. All I've tried to do is help, babe, but I can't anymore if this is just what happens. That's why I asked specifically, if you want me to help with the budget, help you with a budget. Write it out, look through your account with you. I've offered to take care of it for you and you just say you've got it. Well, should you take care of it for him? I don't know about that. You should work with him, work with each other, help each other. If you say you've got it, please don't let this happen again. I'm done talking about it now. He says, all right, I paid more on it, so not a problem anymore.

• 38:28Speaker 04

  And it hasn't happened again.

• 38:30Caleb Hammer?

  And we'll see, I'm gonna go through it. So what is the boy?

• 38:34Speaker 03

  So.

• 38:36Speaker 03

  Do you wanna, do you wanna explain, or do you want me to explain?

• 38:39Speaker 04

  So, we have, my two little brothers are living with us.

• 38:43Caleb Hammer?

  Uh huh. Living with you, but it sounds like you guys live with someone.

• 38:46Speaker 04

  We do, we have two roommates.

• 38:48Speaker 03

  So it's us?

• 38:49Caleb Hammer?

  Oh, so you're not with your fam?

• 38:50Speaker 04

  No.

• 38:50Speaker 03

  No, we live together.

• 38:52Speaker 04

  We have our, we have our own house, yes, but two roommates.

• 38:55Caleb Hammer?

  Okay.

• 38:55Speaker 04

  So, we have two, two teenage boys living with us.

• 39:01Speaker 03

  They're 13 and 14.

• 39:02Speaker 04

  Yeah. So, that, that...

• 39:06Caleb Hammer?

  You take care of them?

• 39:07Speaker 04

  Yes.

• 39:08Caleb Hammer?

  Yours? Your brothers?

• 39:09Speaker 04

  Yes.

• 39:09Caleb Hammer?

  From your rich parents?

• 39:10Speaker 04

  No.

• 39:11Caleb Hammer?

  Oh.

• 39:12Speaker 04

  From...

• 39:12Caleb Hammer?

  How do you have other brothers?

• 39:13Speaker 03

  From his mom.

• 39:13Speaker 04

  My mom.

• 39:14Caleb Hammer?

  She left? She fled?

• 39:17Speaker 04

  She's just not really...

• 39:18Caleb Hammer?

  That's fine, so you're taking care of them, so you gotta, you guys are raising them?

• 39:22Speaker 04

  Basically.

• 39:23Caleb Hammer?

  How old are they?

• 39:24Speaker 04

  13, 14.

• 39:25Caleb Hammer?

  Okay, what's the permanent solution on this? Are you guys with them until 18?

• 39:29Speaker 04

  We don't necessarily have a permanent...

• 39:31Caleb Hammer?

  There's no other people in the family that are more stable?

• 39:34Speaker 04

  No. No. Not at all.

• 39:37Speaker 03

  And his dad doesn't even know.

• 39:39Speaker 04

  Because they're not his.

• 39:40Speaker 03

  They're not his kids.

• 39:41Caleb Hammer?

  But it's still you.

• 39:42Speaker 04

  My dad doesn't care.

• 39:44Speaker 03

  There's very, like, this is the situation we came into, like, when he moved in. So, originally, we signed, or I signed the lease of the house in November.

• 39:53Caleb Hammer?

  Uh huh. This November?

• 39:54Speaker 03

  Last year, sorry. Last November, because my roommates, or our roommates, were looking for a house, because they had to move out of their house, but kind of by where my mom lived. So my roommates and I met at my old job. So, we, like, the day that, um, like, they were talking about going to look at houses, they asked if I wanted to go with them. And, um, we found a house, because my parents were looking at moving back to Ohio, so I was like, I'm gonna need somewhere to live, because I don't want to move back to Ohio, so...

• 40:25Caleb Hammer?

  Wait, but the, the, the, the, the kid's father has custody?

• 40:28Speaker 04

  Yes, he does.

• 40:29Speaker 03

  He has conservatorship.

• 40:30Caleb Hammer?

  Why doesn't he just do it?

• 40:31Speaker 04

  Because he lives in a motel.

• 40:32Caleb Hammer?

  Oh, good [BLEEP].

• 40:33Speaker 04

  Yeah.

• 40:34Caleb Hammer?

  What are we doing?

• 40:34Speaker 04

  So, the, the thing is, is he, he makes the money to, you know...

• 40:39Caleb Hammer?

  Is he a drug addict?

• 40:41Speaker 04

  No. He's not.

• 40:43Caleb Hammer?

  Why is he in a motel?

• 40:45Speaker 04

  Because he doesn't need a house, because

• 40:47Speaker 03

  It's just him.

• 40:48Speaker 04

  In the sense, so

• 40:49Speaker 03

  Because the boys-

• 40:50Caleb Hammer?

  I've not needed a house and I like a house.

• 40:52Speaker 04

  The way that they did it, which makes zero sense to me, is he has, he's the conservative, so he's the main one. He lives in a motel because he gave my mom full custody of them, basically, so

• 41:03Speaker 03

  It's split custody, but it's conservatorship.

• 41:05Speaker 04

  Split custody, but they would live with her, basically, full-time and see him on the weekends.

• 41:09Caleb Hammer?

  Okay, okay.

• 41:10Speaker 04

  But he makes enough for a house.

• 41:12Caleb Hammer?

  So we're budgeting them until we can figure out a situation, which that all of a sudden makes the 5200 such a lot, a lot. Well, you needed to stretch further, and I don't understand how you can spend 70% of your money on bullshit, if we have two kids to take care of, two teens to take care of.

• 41:25Speaker 03

  We buy bullshit for them, too.

• 41:27Caleb Hammer?

  I'm sure, but that's not what they need.

• 41:30Speaker 03

  They have everything they need, too, because their dad-

• 41:32Caleb Hammer?

  We'll see, I don't know how, you guys are going further into debt.

• 41:34Speaker 03

  Their dad helps out every once in a while.

• 41:35Caleb Hammer?

  If you can't pay your, if you can't pay your [bleep] rent and you get evicted-

• 41:38Speaker 03

  We pay our-

• 41:39Speaker 04

  We've never been laid on rent.

• 41:40Caleb Hammer?

  This is what everyone says until they can't, and then they get evicted.

• 41:42Speaker 03

  Okay.

• 41:43Caleb Hammer?

  You guys are, hey, you're headed down that [bleep] dangerous path, that's what you don't understand. No one sees it while they're in the [bleep] storm, okay? You're in the [bleep] storm. This is what every financial situation looks like when people are headed on their way to no longer being able to pay their bills. Takes one layoff, what happens if the income source gets disabled? Who knows, gets hit by a car? Yeah, no, [bleep] no! Life is crazy, life is crazy, we are in an economic precarious situation. Interest rates not going down fast enough for the job market to fully recover, because, you know, inflation is not where the Fed wants it. Okay, very good, job market's not great, we're having like interesting job growth, some months negative, some months positive. You might get laid off, you might get laid off, we don't [bleep] know.

• 42:25Caleb Hammer?

  Retail might slow down, we'll see, typically does in a recession, we don't know if we're in one. You don't know, you cannot say that you are okay, you've paid rent up until this point. You guys are in a scary situation and you're going further into debt, spend more than you make, and 70% of it's on bullshit, so I don't want to hear that. So what they need is security, do you have a fully funded emergency fund?

• 42:49Speaker 03

  I have started-

• 42:50Caleb Hammer?

  You.

• 42:52Speaker 03

  I have, I have a savings.

• 42:54Caleb Hammer?

  You have started. You.

• 42:56Speaker 03

  But at least starting is in the better direction than not having it at all.

• 42:59Caleb Hammer?

  But you would have a lot more if you weren't spending 70% on bullshit.

• 43:02Speaker 03

  Well, I have a hundred and fifty dollars automatically deposit into my SoFi account every time I get paid.

• 43:06Caleb Hammer?

  You're not taking care of the kid, you tit. So it doesn't even matter. He has nothing. Goes to Chick-fil-A every day.

• 43:14Caleb Hammer?

  Mm hmm. What do you guys think the combined household financial score is? Zero to 10, zero being the worst, 10 being the best.

• 43:22Caleb Hammer?

  Probably a four.

• 43:24Speaker 03

  I think a three.

• 43:26Caleb Hammer?

  If you want your financial score, get it for free at Calebhammer.com. Take the assessment. It just takes a few minutes. It'll tell you where you stand in the world of money, where you need to improve, what you need to do to improve, and where you're already doing pretty darn great. So just check that out. Link in the description below. And if you don't want to be like a guest who ends up on the show, you got to download the Dollar Wise Budgeting App, best budgeting app out there. It caters to you instead of forcing you to do things like other budgeting apps. It's not ran by these private equity companies that are just trying to collect your information. It is an actual good budgeting app that works for you. Check it out, dollarwise.app. There's a free trial. See if you like it. And if you do, sign up for the annual version like the majority of users do because you get my budget-friendly cookbook signed by me, mailed directly to you. And it only exists for about a month left and then it's gone forever. Can't be purchased.

• 44:09Caleb Hammer?

  So check it out. Let's talk about discover it. Whose card is this?

• 44:15Speaker 03

  Uh, that's my card.

• 44:16Caleb Hammer?

  What the is wrong with you? You are spending on this. You said you're not spending on cards. Liar. You. Fuck you.

• 44:23Speaker 03

  I don't know. I literally don't know what the charge.

• 44:25Caleb Hammer?

  Okay, then shut the up. What the did we just do this entire 42 minutes leading up to this? You started with, I never spend. I look at my statements every day. How can you say you don't know what's happening about a charge that you said never happened? What are you doing? That's impossible. What a fucking lie.

• 44:41Speaker 03

  Well, because I know.

• 44:42Caleb Hammer?

  Cancelled. Die. Hey.

• 44:46Caleb Hammer?

  What do you think about this? She just threw you under the bus for 42 minutes and look at what just happened.

• 44:50Speaker 04

  I mean, I, I know, I know about that card.

• 44:54Caleb Hammer?

  Yeah, but she literally just nuked herself.

• 44:57Speaker 04

  That's, okay, that's the card that we, we use, or I guess she uses, because I don't use it. I don't, I'm not an authorized user on it.

• 45:04Speaker 03

  Well, when we got-

• 45:05Caleb Hammer?

  Big guy, I am talking about the fact that she said, she looks at her statements every day, and she doesn't spend on her credit card. Well, she did, and she doesn't know what it's for. How could she possibly say those things? Come on, she threw you under the bus for 42 minutes. What do you think about that perspective?

• 45:17Speaker 04

  She will buy, she'll buy Labubus, she'll buy blind boxes.

• 45:22Caleb Hammer?

  What is wrong with you?

• 45:23Speaker 04

  We use-

• 45:23Speaker 03

  I haven't bought a Labubu in like two months.

• 45:25Speaker 04

  You almost bought one yesterday.

• 45:27Speaker 03

  It wasn't, it wasn't a Labubu.

• 45:29Caleb Hammer?

  You were looking yesterday. Oh, come on, it doesn't matter.

• 45:31Speaker 04

  It's a blind box. It's the same thing.

• 45:32Caleb Hammer?

  Gambling.

• 45:34Speaker 04

  That's, yeah. But we, I guess we use-

• 45:38Speaker 03

  So I opened this card right before we got together.

• 45:42Speaker 04

  She uses that card-

• 45:43Caleb Hammer?

  So I don't give a fuck, you're using it while you are together.

• 45:44Speaker 03

  So what I'm trying to say is that I opened it right before we got together, and honestly, as soon as we got together was when I started spending on it. Because the only thing-

• 45:52Caleb Hammer?

  Hey, it's your fault. You hear that?

• 45:53Speaker 03

  The only thing I had put on the card before we started-

• 45:56Caleb Hammer?

  She's spending on the credit card because you guys got together. It's your fault, big guy.

• 46:00Speaker 03

  The only thing I had put on the card before we got together was, my friend was going to Six Flags, and I was, I asked my mom, should I put my Six Flags season pass on here? And she said, yes, as long as you pay it off right away.

• 46:12Caleb Hammer?

  Hear that, Ethan? It's your fault.

• 46:13Speaker 04

  I mean, we, we equally-

• 46:16Speaker 03

  I spent $400 on Airbnb for us to go to Lake Whitney.

• 46:19Speaker 04

  She, she uses that- She uses that for, for stuff that we go and do, but it's also-

• 46:25Speaker 03

  So see how you said we use it at first, and now it's I use it?

• 46:26Speaker 04

  Well, because, I mean, you do use it. I'm not an authorized user on the card. I can't use the card.

• 46:30Speaker 03

  Yes, but nine times out of 10, when I use it, it's when we're together.

• 46:33Speaker 04

  If you let me finish, that's what I was about to say. She, she uses it when we go do stuff. So, you know, Airbnb, we go to concerts or stuff. She'll use it for, you know, concert tickets or stuff like that.

• 46:46Caleb Hammer?

  Didn't let him finish.

• 46:46Speaker 03

  I spent for all of, I paid for all the tickets, I paid for all of the merch, I paid for all of the food. Like, I paid for all of it with that card. I don't see him pulling out his wallet for that.

• 46:57Speaker 04

  It's a credit card.

• 47:00Speaker 03

  Okay, is that not money that I still have to pay back?

• 47:02Speaker 04

  It is, but it's different than-

• 47:04Speaker 03

  Well, how about when we went to Lake Whitney and I spent the $400 on the Airbnb and I said, "Hey, I'll split it in half right now. I'll put it on my Discover card, but I need you to pay me back when the second half comes out." And you didn't.

• 47:16Speaker 04

  You didn't? Did he agree to it?

• 47:18Speaker 03

  Yes.

• 47:18Speaker 04

  Why the f**k didn't you dick? Dick? Dick?

• 47:23Caleb Hammer?

  Is your credit card good?

• 47:24Speaker 04

  Yeah, they are. Your family hated it? In the post-show, you did reveal that you were still receiving money from a client from your stripping days. Are you still receiving money from him?

• 47:36Speaker 03

  I'm a very patient person. My mom is disabled. I have been taught patience. My family hated it. Should we get into that?

• 47:44Caleb Hammer?

  I would love for you to just use your words and not shut down to the point to where I do yell. Said that I would pay for the gun that we bought on your card.

• 47:53Speaker 03

  So, are you safe, Pixie?

• 48:01Caleb Hammer?

  That's kind of f**king stupid, I'll be honest. But what's not is actually getting a checking account that gives you free money. Free money! We like free money! You can get up to $350 in bonus cash right now when you sign up for the checking account that I use, Chime. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Oddity and get free money at the same time. Who would've thought? That's incredible. Check it out. Link in the description below. Sign up for Chime. Get that $350 right now in your checking account!

• 48:33Speaker 03

  So it's like, yeah, he'll say, "We use it." I use it.

• 48:37Caleb Hammer?

  Dick!

• 48:37Speaker 04

  We just, we just forgot about it. Like, it never-

• 48:40Speaker 03

  We didn't forget about it. I reminded you like, three times. But if, because that's what I'm talking about, that like, we, we zell each other back and forth for everything because we do such a weird split. Like, half of the time, we pay for stuff with my cards.

• 48:53Speaker 04

  You said you don't spend on your card. The balance went up on this card. So you're backtracking everything you said. You're a liar. Like, when we zell stuff, it's debit. So like, if we go to the gas station- She's spending on this card. She said she doesn't. Liar.

• 49:06Speaker 03

  I don't know what's on that card because I genuinely haven't used it in so long. I do. I do look at my statements every day. I'm not lying. It may be the interest charge, but I do not spend on that card anymore.

• 49:16Speaker 04

  Liar. Liar.

• 49:18Caleb Hammer?

  Dude, I literally see charges right here. This is your most recent month, so I don't want to hear it. Like, what the fuck are you talking about? Hey, big guy, how long do you think this takes her to pay off if she doesn't purchase what she's a liar, so she can't actually not purchase?

• 49:30Speaker 04

  How much does it cost?

• 49:30Caleb Hammer?

  And she only makes her minimum payment. The balance is 2,943 and 44 cents, which is up from the previous month with an $85 minimum payment. If she only makes her minimum since she doesn't purchase, which she always does because she's a liar, how long does it take to pay off?

• 49:46Speaker 04

  Six years?

• 49:47Caleb Hammer?

  That's interesting. 12. So, that's 12 years of your marriage, maybe 11 years of your marriage, is going to pay off her card from her little boo-boos of which she purchases on. So it's actually gonna be like 20 or 40 years. Thoughts, Ethan?

• 50:03Speaker 04

  It's a long time.

• 50:09Caleb Hammer?

  Oh, that is a very well thought out thought.

• 50:14Caleb Hammer?

  Insightful even. That's a long time, Froggen.

• 50:18Speaker 03

  Where are you getting this? What are you talking about? I don't know. Well, they said earlier that I look like Billie Eilish, so...

• 50:25Caleb Hammer?

  Um...

• 50:28Caleb Hammer?

  Huh, I could potentially see it. Do you have like the biggest tits in the world?

• 50:32Speaker 04

  I mean, they're not bad.

• 50:33Caleb Hammer?

  Okay, well done. Dude, Billy?

• 50:36Speaker 03

  I wish.

• 50:36Caleb Hammer?

  Oh my gosh, what up?

• 50:37Speaker 03

  Billy?

• 50:38Speaker 04

  Yeah, you...

• 50:38Caleb Hammer?

  Billy?

• 50:39Speaker 04

  You wish for the, the life of back pain. I mean, you already have back pain, but...

• 50:45Speaker 03

  I already do. I have scoliosis.

• 50:45Caleb Hammer?

  She can have back pain, doesn't affect me.

• 50:49Caleb Hammer?

  That's fine.

• 50:53Caleb Hammer?

  Okay, um, so yeah, Froggen.

• 50:57Speaker 03

  Right.

• 50:57Caleb Hammer?

  12 years.

• 50:59Speaker 03

  And like I said, I feel like, because most of this stuff, again...

• 51:03Caleb Hammer?

  Feel like?

• 51:05Speaker 03

  Feel like, no, I know. Most of this stuff that is on this card, like, yes, I do buy my trinkets here and there with this card, and that's...

• 51:12Caleb Hammer?

  The card that you never spend on.

• 51:13Speaker 03

  Most of what was on that card to begin with, though, was from both of us, or things that I would pay for for both of us.

• 51:20Caleb Hammer?

  The goalposts, they are moving, they are flying down the road!

• 51:23Speaker 03

  He was working an average of what, 20 hours a week? Maybe 25?

• 51:27Caleb Hammer?

  Bye-bye, goalposts. There they go. Not only did I not spend on the credit card, but now it's, well, yeah, but a lot of the spending before was because of, you know, this bitch over here, this horrible boyfriend.

• 51:38Speaker 03

  So like when Discover was doing like their 5% back for groceries, that's the card we would use for groceries. So we would-

• 51:45Caleb Hammer?

  Go post, see ya. Oh, I can't even see them anymore. Damn, they're gone. Oof. Only they were the size of Billie Eilish's tits, I could see them for miles. Uh, you said you don't spend that in here.

• 51:59Speaker 03

  I don't, I-

• 52:00Caleb Hammer?

  Oh, that's interesting. $38.55.

• 52:05Speaker 03

  $38 is better than when I used to spend hundreds on it.

• 52:08Caleb Hammer?

  Oh, go post, there they go. Oh, fuck.

• 52:14Caleb Hammer?

  Crossing the Atlantic now.

• 52:18Caleb Hammer?

  $64 is 95 cents of interest accruing on a credit card that you cannot pay off because you only-

• 52:22Speaker 00

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• 52:51Caleb Hammer?

  Make your minimum payment that you are purchasing on. Why are we purchasing on a credit card that we cannot pay off that is accruing interest? What the fuck are you doing? What a disaster. An embarrassment. You say he's holding you back?

• 53:02Speaker 03

  At least I am not making late payments. At least I'm not making late payments. At least I'm making my payments on time.

• 53:09Caleb Hammer?

  How do you deal with this? It must be real nice if you're willing to put up for this.

• 53:19Caleb Hammer?

  Ethan?

• 53:20Speaker 04

  I mean-

• 53:22Caleb Hammer?

  Ethan, wake up.

• 53:23Speaker 04

  I, I don't have any late payments. Not, not anymore.

• 53:28Caleb Hammer?

  Not, that's, I wasn't necessarily asking you for, to do a rebuttal to her, but it's the fact that she is throwing you under the bus, her potential life partner. Anytime there's any valid criticism towards her, it's, yeah, but Ethan's a little- Sorry, I said that. Not her. She said you're a little bitch.

• 53:46Speaker 04

  I mean, she can, she can throw me under the bus, but I mean, it's, I mean, that's her card. Like, I get-

• 53:52Speaker 03

  That I have spent almost everything that's on there was for us.

• 53:57Speaker 04

  I don't use LeBubus.

• 53:58Speaker 03

  Okay, yes, you don't use LeBubus, but, you know, it's everything, like, the bigger purchases that have gone on that card, the trip to Whitney, the Bad Omens concert, the groceries, that is for us. When are you gonna help me pay for it?

• 54:13Speaker 04

  That is for us, but whatever, however much is on there, the, what, how much, you say?

• 54:18Speaker 03

  So you have to think, it was $400 to go to the Bad Omens concert, and then about $200 in merch, and then the Airbnb was $400, and then the groceries we bought in Whitney, that adds up a lot quicker than you think it does.

• 54:32Speaker 04

  Yeah, I know it does, but that's still not-

• 54:35Caleb Hammer?

  It ain't Hello Kitty?

• 54:36Speaker 04

  It's still not all of-

• 54:37Caleb Hammer?

  It ain't Hello Kitty?

• 54:38Speaker 04

  What's on there.

• 54:39Speaker 03

  Not anymore, at least.

• 54:40Caleb Hammer?

  Uh huh, says the person spending money. You're no longer a reliable source of information. Hello Kitty, that's what putting our future off is worth? That's more important than our kid brothers, our teen brothers, who are taken care of?

• 54:54Speaker 03

  Well, they get Pokemon instead. I get Hello Kitty, they get Pokemon.

• 54:58Caleb Hammer?

  And making sure we have any kind of safety net whatsoever, just in case anything happens and keep a roof over their head and utilities and food?

• 55:03Speaker 03

  I have a roof over my head, or I have a blanket. And he has, so it goes, like, it goes both ways. Yes, I have Hello Kitties, he has how much money put into his games?

• 55:14Caleb Hammer?

  How much money, Ethan?

• 55:15Speaker 04

  Uh, I think I just looked the other day, and I think over this, over this span of 10 years, for my Steam account, it was like $3,000.

• 55:25Caleb Hammer?

  Chunky skins?

• 55:26Speaker 04

  Games.

• 55:27Speaker 03

  It has to be more than that.

• 55:29Caleb Hammer?

  If they're skins, sell them.

• 55:30Speaker 04

  You can't sell, no, no, no, not like that, like other games.

• 55:34Speaker 03

  How much you've spent on just Fortnite?

• 55:37Caleb Hammer?

  Oh gosh, I mean within the

• 55:38Speaker 03

  See, exactly.

• 55:39Caleb Hammer?

  But I mean, that's within, that's also within.

• 55:42Speaker 03

  Within 10 years, but it's still a big number.

• 55:45Caleb Hammer?

  Yeah.

• 55:45Speaker 03

  So you can't say that I'm wrong for doing these things, but you'll do them too.

• 55:50Caleb Hammer?

  Yeah, but it's, it's, I mean, it's not much different, but I mean, at the same time, that's, those stuff, like, that's not on a credit card. Like, my stuff was all.

• 56:01Speaker 03

  Just because it's on a credit card doesn't mean that you're not spending it.

• 56:04Caleb Hammer?

  Yeah, but I'm not in debt on it, though.

• 56:07Speaker 03

  But you're also, you're not putting anything into your savings.

• 56:11Caleb Hammer?

  Yeah, but I'm still not actively

• 56:13Speaker 03

  Yeah.

• 56:13Caleb Hammer?

  paying for a credit card, though. I mean, I am, but not, not in the sense of.

• 56:17Speaker 03

  I pay on my credit cards. At least I'm not late on my payments.

• 56:20Caleb Hammer?

  I, I am paying on my credit cards.

• 56:24Caleb Hammer?

  Just because I, just because I don't put the, the shit that I want on a credit card doesn't mean that I, I'm in the wrong, or it doesn't mean that it's, it's any different. Like, it's, it's on, it's on a credit card.

• 56:37Speaker 03

  It's no different than you saying, I'm gonna, like, you buy, like, little things on your Best Buy card all the time. Stuff that's not even at Best Buy.

• 56:48Caleb Hammer?

  Interesting. The thing you purchased, Best Buy.

• 56:52Caleb Hammer?

  Always throwing people under the bus for the exact stuff you do.

• 56:55Speaker 03

  But he's doing the exact same.

• 56:57Caleb Hammer?

  Oh, go Pools!

• 57:01Speaker 03

  You got me there.

• 57:02Caleb Hammer?

  Oh, my poor man. Oh, my poor man. Those, those things better be fucking sucking all the oxygen out of the room at this point. Stick up with those.

• 57:13Caleb Hammer?

  I mean, they're pretty nice. But they have to be. I don't see any other way.

• 57:17Speaker 03

  The other way is.

• 57:18Caleb Hammer?

  You got blue eyes. They're nice.

• 57:19Speaker 03

  Thank you.

• 57:20Caleb Hammer?

  Yeah.

• 57:22Caleb Hammer?

  Best Buy. And you were saying, he spends all his shit on Best Buy?

• 57:27Speaker 03

  We spend a.

• 57:28Caleb Hammer?

  Oh, it's become we! Conveniently has transitioned to we!

• 57:33Speaker 03

  When he started this, he said, "We, we use this card."

• 57:35Caleb Hammer?

  No, no, no, your language, tit.

• 57:37Speaker 03

  He said.

• 57:38Caleb Hammer?

  Hey, Septon Pearson, you said he, he, he!

• 57:42Speaker 03

  I just said we.

• 57:43Caleb Hammer?

  You, no, before I called out you for your Best Buy purchase.

• 57:46Speaker 03

  Yes, but he, if you're calling him out for saying we.

• 57:48Caleb Hammer?

  This is. With brain function, does it? Cause every person I've met that has one, they get

• 57:55Speaker 03

  About getting one.

• 57:56Speaker 04

  No, I thought about getting a stud, not a septum.

• 57:59Caleb Hammer?

  Before this episode, I, for every other episode I say, I completely forgot. Well, I'll ask now, I'm sorry that it's so far in. Do I have consent to make fun of you guys and make jokes and rip in?

• 58:12Speaker 04

  It's a little too late for that now.

• 58:14Caleb Hammer?

  But do I, in all seriousness?

• 58:15Speaker 04

  Yes, yes.

• 58:16Caleb Hammer?

  Okay, well, you guys have consent.

• 58:17Speaker 04

  I feel like that's kind of part of being here too.

• 58:19Caleb Hammer?

  It certainly is, but I do like to ask before we start filming. I, I don't know why, I completely forgot.

• 58:24Speaker 03

  He likes to be verbally degraded.

• 58:25Speaker 04

  He, yeah, so he just, he saw us and decided to let it rip and forgot about his, his priorities, I guess.

• 58:32Speaker 03

  Lindsay said we look cute. Say all you want.

• 58:35Caleb Hammer?

  Lindsay's nice to everyone.

• 58:37Speaker 04

  She has to be.

• 58:39Caleb Hammer?

  I don't even know, so, because she has to be, she's just nice to everyone. Like, again, this, this will be so dated at this point, but I saw the ugliest woman I've ever seen in the world on Twitter, and she calls, Lindsay said she's pretty, and she's the ugliest woman I've ever seen in my life. But it's fine, it's fine. That is old news at this point. And then he went in, you guys are bullshitting Target.

• 59:02Speaker 03

  How much is the charge for Target?

• 59:05Caleb Hammer?

  That was not groceries.

• 59:08Speaker 03

  No, I know.

• 59:09Caleb Hammer?

  Don't even pretend.

• 59:11Speaker 03

  It was tampons. I know, because I remember, I remember that day.

• 59:17Speaker 03

  Cause like I said, I don't spend on my, I don't spend on my card. So when I do, it's usually

• 59:23Caleb Hammer?

  Kroger.

• 59:25Speaker 03

  Which would probably have also been, is it about the same amount?

• 59:29Caleb Hammer?

  Twenty-one.

• 59:29Speaker 03

  Probably tampons as well, because they have the really big pack of tampons.

• 59:32Caleb Hammer?

  Same day, we went to two locations for tampons. Yeah, you're no longer a reliable source of information. I already told you that hundreds in interest this year so far. You're at a 26.99% interest rate of death.

• 59:47Caleb Hammer?

  All for eighty-two cents and cash back in your balance. Well done.

• 59:51Speaker 03

  I see it as if I have to use my credit cards for anything, I use my Discover card because it has the cash back.

• 59:57Caleb Hammer?

  I thought you didn't use your cards.

• 59:59Speaker 03

  If I have to.

• 1:00:00Caleb Hammer?

  Well, before it wasn't, it was you didn't. Who's Capital One?

• 1:00:04Speaker 03

  Mine.

• 1:00:05Caleb Hammer?

  Oh, two in a row, lady. She purchased on it. The lady who never purchases on her cards, two in a row.

• 1:00:11Speaker 04

  What was it for?

• 1:00:12Caleb Hammer?

  We will get to that. All I know is she purchased on a card that she says she never purchases. This one takes an extra year to pay off thirteen years this time. What are we doing? You fuck.

• 1:00:24Speaker 03

  I-

• 1:00:25Caleb Hammer?

  Liar! Liar!

• 1:00:27Speaker 03

  I genuinely, like, I do not remember, other than that one for Target, because I remember we were buying groceries with another card. And I paid the difference for my tampons with that card.

• 1:00:41Caleb Hammer?

  Listen, I know you love tampon talk, but there is, it's this, your entire life is not just tampons.

• 1:00:46Speaker 03

  Well, since I got my birth control replaced, it's, because I have the implant, I have, like, I just bleed all the time.

• 1:00:53Caleb Hammer?

  It's the best one. You can't feel it when you're in there, and it's the most effective, so that's what I really advocate for the injection, ladies.

• 1:01:03Speaker 03

  Recommended.

• 1:01:04Caleb Hammer?

  I liked it, and I know you like that injection. You ain't filling shit up there, aren't you?

• 1:01:11Caleb Hammer?

  For the asshole, both work. Okay.

• 1:01:15Speaker 03

  Right.

• 1:01:16Speaker 04

  Walmart.

• 1:01:16Caleb Hammer?

  Walmart's an unknown tricky one, because it's half bullshit, it's half groceries. And even with the groceries, who knows? Sixty dollars, sixty-nine cents.

• 1:01:24Speaker 04

  The only time we ever go to Walmart is for groceries.

• 1:01:27Speaker 03

  Yeah.

• 1:01:28Speaker 04

  Other than, like, we went to Walmart to get-

• 1:01:30Caleb Hammer?

  Why on a credit card, when we never spend money on a credit card that accrues forty-six dollars of one cent in interest?

• 1:01:34Speaker 03

  Charge is because-

• 1:01:36Caleb Hammer?

  Sixty dollars of tampons?

• 1:01:37Speaker 03

  His mom, uh, because she is, like, when she had the boys, um, she had a food card. No, we've only had them for about a year.

• 1:01:47Caleb Hammer?

  When she physically had them, okay, not like, not like, literally outside, birthing.

• 1:01:52Speaker 03

  Like, when she physically had them, she had a food card, because she couldn't afford anything. So when she, when we took the boys, she lets us use it for groceries. She shut off the food card. No, because she lets us.

• 1:02:05Caleb Hammer?

  Okay.

• 1:02:05Speaker 03

  No, she lets us.

• 1:02:06Caleb Hammer?

  Well, she lets you, this is the government, but go on.

• 1:02:09Speaker 03

  But I mean, it's for the kids.

• 1:02:11Caleb Hammer?

  Doesn't matter necessarily. I don't know. Maybe it does.

• 1:02:14Speaker 03

  So we, uh, she shut off the food card and didn't tell us.

• 1:02:18Caleb Hammer?

  She shut off or the government did?

• 1:02:20Speaker 03

  No, she shut it off.

• 1:02:21Speaker 04

  Because we were using it, but she said we could use it.

• 1:02:25Speaker 03

  She said that she looked at the balance.

• 1:02:27Speaker 04

  Yeah.

• 1:02:28Caleb Hammer?

  Ah.

• 1:02:28Speaker 03

  She looked at the balance.

• 1:02:30Speaker 04

  I have no idea.

• 1:02:31Caleb Hammer?

  Ah.

• 1:02:31Speaker 04

  Just a lot of different stuff.

• 1:02:34Caleb Hammer?

  Yeah, that's hard. I'm sorry.

• 1:02:36Speaker 03

  But she looked at the balance of the food card and thought that we spent? Like she said she looked at it wrong and thought that we spent what was left on it.

• 1:02:44Speaker 04

  I remember what she said. So there was like 400 something left on the card. And she was like, why did y'all spend $400 at a Kroger? And I'm like, $400, like that's how much is left on the card we spent? I think we spent like 200. Cause I mean, we don't spend a lot on groceries. And I was like, we didn't spend $400. And she, she sent me the picture and I'm like, that says balance. That doesn't say how much we spent. And I was like, I have the receipt right here.

• 1:03:11Speaker 03

  She didn't tell us that, she didn't, or she didn't tell us that she shut it off. So we were trying to buy a couple groceries and I had to pay for it with my credit card because we couldn't use the food card.

• 1:03:20Caleb Hammer?

  So now what?

• 1:03:21Speaker 03

  I mean, she hasn't shut it off since.

• 1:03:25Caleb Hammer?

  It was a temporary?

• 1:03:26Speaker 03

  Yeah.

• 1:03:27Speaker 04

  She literally just shut it off because she thought we spent $400.

• 1:03:30Speaker 03

  The reason that that charge is on there is because I had to use that card for groceries.

• 1:03:35Caleb Hammer?

  I'm excited to get to the bullshit spending because there is a lot of it, but we're getting through the debts first. Amazon synchrony. Whose is this?

• 1:03:43Speaker 04

  Mine.

• 1:03:43Caleb Hammer?

  Oh, the first Ethan one. Hope you're Amazon.

• 1:03:51Caleb Hammer?

  Past due. At the time of the statement. You owe double the payment.

• 1:03:58Caleb Hammer?

  Well, and over the limit, you little tit, you little cockboy, you little simp.

• 1:04:02Speaker 04

  I think that's that statement.

• 1:04:04Speaker 03

  That's what I was talking about, that like, he'll, he'll tell me that, like his balance is like, like I asked him the other day, what's your balance on your Amazon card? And he said, it's like 600, but I don't know. Like, I don't know. I don't even know if he knows.

• 1:04:19Caleb Hammer?

  What are you doing? Minimum payment 164, you owe $1,110.35 on here. What the tit are we doing, you little tit? Three years to pay this off. Past due, all.

• 1:04:35Caleb Hammer?

  Well, I know.

• 1:04:36Speaker 04

  It's, it's the first thing you see on there.

• 1:04:40Caleb Hammer?

  And it's just the first one?

• 1:04:42Speaker 04

  Oh, no, sorry. It's

• 1:04:43Caleb Hammer?

  Just point to it.

• 1:04:44Speaker 04

  Well, it's that one right there.

• 1:04:46Caleb Hammer?

  Okay.

• 1:04:46Speaker 04

  And then it's also that one. I mean, a lot of the stuff that you see that's already here is hers. So like

• 1:04:53Caleb Hammer?

  Well, for Yeah. Hard. It's all Christmas shopping.

• 1:04:56Speaker 04

  It is.

• 1:04:57Caleb Hammer?

  Who the are you, Christmas shopping? You can't Christmas shop. You guys can't afford bills.

• 1:05:01Speaker 03

  Is that what Christmas is?

• 1:05:03Caleb Hammer?

  Yes, you can't afford Christmas, you dumb. What are you talking about?

• 1:05:05Speaker 03

  Would you rather us just not have Christmas at all?

• 1:05:08Caleb Hammer?

  Yes.

• 1:05:08Speaker 03

  So you'd rather a 13 and 14 year old not have Christmas?

• 1:05:11Caleb Hammer?

  I'm not saying that necessarily, but definitely cut down for sure. You can't, you can't pay bills, you

• 1:05:17Speaker 03

  I mean, I see it as they never like

• 1:05:19Caleb Hammer?

  He's over the limit on the card that is purchased and all this shit.

• 1:05:22Speaker 04

  I'm not using that card to purchase. That's all from my debit card.

• 1:05:25Caleb Hammer?

  Oh my gosh, even worse, dude. The debit card should be going to pay off your debt, you And lots of cat stuff as well, of course.

• 1:05:32Speaker 03

  We have two cats. Their names are Gizmo and Butters.

• 1:05:34Caleb Hammer?

  Yippee.

• 1:05:36Speaker 03

  Just wanted to tell you about our cats. Sorry.

• 1:05:38Caleb Hammer?

  I don't give a about your cats.

• 1:05:39Speaker 03

  They are really cute. We have a ginger female cat. She's fluffy.

• 1:05:42Caleb Hammer?

  Shit. So.

• 1:05:45Caleb Hammer?

  No, we cut back dramatically on Christmas and I know that's hard, but the, I listen at 13 and 14, they realize they're not with their mom and dad. Do they also not realize that, okay? Yeah, maybe we're not in the best shape. I think they would understand.

• 1:05:57Speaker 04

  They do not. They lack common sense.

• 1:05:59Speaker 03

  And like

• 1:05:59Speaker 04

  It is, it's like trying, it's like trying to put a tennis ball through a brick wall with them. It, it does not work.

• 1:06:05Speaker 03

  And like, don't get me wrong, they're good kids, but it's like, they do have a really hard time understanding things that like, they ask all the time, can we go out to eat? Can we go out to eat? Cause we make food. Cause that's why we have the food card.

• 1:06:17Caleb Hammer?

  Still at this age, for the next couple of years is like the last time you can do this or maybe this might be the last year you can do it. Quantity at five below. Quantity, not actual nicety.

• 1:06:28Caleb Hammer?

  Just the ability of opening a variety.

• 1:06:30Speaker 04

  I think we did talk about that.

• 1:06:31Speaker 03

  They're very.

• 1:06:32Caleb Hammer?

  You're already ordering a shit ton on Amazon.

• 1:06:33Speaker 03

  They're pretty materialistic for how like.

• 1:06:36Caleb Hammer?

  Okay, well, that's a lesson you gotta teach them then, cuz that's not a good trait to carry into your late teens.

• 1:06:40Speaker 03

  And that's what we do. Like, we tell them, I don't have.

• 1:06:43Caleb Hammer?

  You tell them, yet then we purchase all that bullshit.

• 1:06:45Speaker 04

  None of that, none of that stuff on there is for them.

• 1:06:48Caleb Hammer?

  What? Then how are you trying to guilt trip me with them? Fuck you then.

• 1:06:52Speaker 04

  I don't, we do have, we do have stuff for them, just not.

• 1:06:56Caleb Hammer?

  You are not getting her shit.

• 1:06:57Speaker 04

  Just not.

• 1:06:58Caleb Hammer?

  When you can't afford your damn bills, you're not getting, you're not getting her shit. You can't guilt trip me on that one.

• 1:07:03Speaker 03

  On that.

• 1:07:03Caleb Hammer?

  You little tit, I do, and it's a lot of shit that you don't need, you.

• 1:07:06Speaker 03

  Oh, I did forget that I bought most of their.

• 1:07:08Caleb Hammer?

  Desire, maybe, it's nice, but listen, give them a better Christmas than we give each other, at the very least. You cut back on yours, give them 50% of what you're gonna give each other, and call that Christmas. Roof overhead, paying our payments on time, and not over the limit, food on the table, utilities, stuff for school, after-school activity program, sports, music, that is what is important for them in their development right now. They do not need a bougie Christmas. You fuck. And you certainly don't need to be getting it for each other. You fuck.

• 1:07:40Speaker 04

  Well, I don't think, I don't think we're giving them a bougie Christmas compared to what the stuff that, the things that they want. We are not getting them anything that they want.

• 1:07:50Speaker 03

  One of them wants like a $100 Ralph Lauren shirt.

• 1:07:53Speaker 04

  He wants a $300 pair of. Pair of tins.

• 1:07:58Caleb Hammer?

  Three late fees this year so far on this card.

• 1:08:00Speaker 03

  Are you serious?

• 1:08:01Caleb Hammer?

  Oh, yeah.

• 1:08:04Caleb Hammer?

  Oh, yeah!

• 1:08:05Speaker 03

  I only knew about the one.

• 1:08:06Caleb Hammer?

  Three late fees this year so far, Ethan.

• 1:08:09Speaker 03

  See, and that's what I'm saying, like, he'll talk about, like, how my spending is worse, and don't get me wrong, I do have bad spending, but my spending isn't a late fee. Did you see a late fee on either of my credit cards?

• 1:08:20Speaker 04

  No. Not this year.

• 1:08:24Speaker 03

  I've only had them this year. I opened them earlier this year.

• 1:08:28Caleb Hammer?

  Seen balances for one year.

• 1:08:30Speaker 03

  What the fuck are we doing? No, earlier last year, sorry.

• 1:08:31Caleb Hammer?

  Regardless.

• 1:08:38Caleb Hammer?

  You f***ed up.

• 1:08:39Speaker 03

  So that's what I'm saying, like, do I have to remind him every month? Like, set a reminder on my calendar? You have an upcoming card payment, make sure you don't miss it.

• 1:08:47Caleb Hammer?

  Well, does she?

• 1:08:49Speaker 03

  And I saw-

• 1:08:49Caleb Hammer?

  No?

• 1:08:50Speaker 04

  No, cuz I, I-

• 1:08:51Caleb Hammer?

  What, you've missed an entire quarter of payments this year?

• 1:08:53Speaker 04

  I haven't had a late fee since then.

• 1:08:55Speaker 03

  But if we wouldn't have had that conversation-

• 1:08:56Speaker 04

  No, cuz I did pay it.

• 1:08:58Speaker 03

  Hold on. If I wouldn't have, if I wouldn't have texted you and had that-

• 1:09:01Speaker 04

  So you can cut me off, but I can't cut you off?

• 1:09:03Speaker 03

  No, I'm cutting you off because what I'm trying to say is important.

• 1:09:06Speaker 04

  Okay, what I'm trying to say is important too.

• 1:09:08Speaker 03

  Okay, well, I was talking first.

• 1:09:09Speaker 04

  I was talking first earlier too.

• 1:09:11Speaker 03

  What I'm saying is that if we wouldn't have had that conversation, if I wouldn't have texted you and said, "I'm not doing this anymore if you're not going to pull your own weight", how do I know you wouldn't have more late fees?

• 1:09:22Speaker 04

  Because I paid that card before you texted me that.

• 1:09:26Speaker 03

  But it was still late. That's the point. Do you not realize that that affects you? And that's what I'm talking about, is that stuff that affects you affects me. Like, your speeding ticket. If we ever, when we get married and you get put on, and we get put on insurance together, that's gonna affect our insurance. He got, like, a $300 speeding ticket.

• 1:09:43Caleb Hammer?

  Wanna know a dirty little secret? And no, I'm not starting an Only f***ing- You're not broke because you suck with money. You just can't see where it's going. If your bank account is empty at the end of every month, that is not bad luck, that is bad tracking. And it's exactly why I use DollarWise. It shows you exactly where your money's going every single month. Spending, subscriptions, and savings all in one simple dashboard. Everything you need and nothing you don't. And when you download DollarWise today, you'll get this to try it for free, plus three months for just $9.99. So you can finally take control and see what your money's been doing behind your back. Click below to get started. Starbucks is bullsh*t and a waste of money,

• 1:10:24Caleb Hammer?

  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 $0.40 a serving. And honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show, Fat and Fatter. The number one ranked energy drink is-

• 1:10:48Caleb Hammer?

  Literally, the cherry flavor is insane. Listen, you can also get free samples to see if you like it, or 10% off your order at gamersubs.gg, or click that link in the description below, type in code Caleb.

• 1:11:01Speaker 03

  That's what I'm saying, is that stuff that affects him affects me, or is going to affect me one day. So yes, I do mother him a little bit, because I want to make sure that stuff gets done, because I don't want it sitting on me the rest of my life.

• 1:11:15Caleb Hammer?

  That's fair. Wow. Wow, wow.

• 1:11:21Caleb Hammer?

  What is this screenshot of something? I don't even know what I'm looking at.

• 1:11:25Speaker 03

  It's, um, progressively saying.

• 1:11:28Caleb Hammer?

  What are you progressively leasing?

• 1:11:29Speaker 03

  It's my laptop for school.

• 1:11:31Caleb Hammer?

  You're in school?

• 1:11:32Speaker 03

  I, I'm about to start.

• 1:11:33Caleb Hammer?

  What are your hours gonna cut to?

• 1:11:36Speaker 03

  It's online, it's online, it's online.

• 1:11:39Caleb Hammer?

  That's still time.

• 1:11:40Speaker 03

  And I'm, I'm only taking one class right now, because I want to see how.

• 1:11:44Caleb Hammer?

  One class for what? What is the class?

• 1:11:45Speaker 03

  Cybersecurity.

• 1:11:46Caleb Hammer?

  Oh, listen, I'll get you a certification. We got a cybersecurity certification through CourseCrews, I'll get you that, that'll help you get into a career position as well. A lot of people in the audience have taken those certifications through CourseCrews, and they've made a lot of money. Changing jobs, they're getting raises. So, I'll get you that, maybe even start there instead of that, but.

• 1:12:04Speaker 03

  It is free through my job. So my schooling is free through my job, so I'm not paying anything for school. I just have to pay for my laptop.

• 1:12:11Caleb Hammer?

  I know, but school's a lot in order to get to a, you didn't have a computer. He said you already have an iPad.

• 1:12:16Speaker 03

  So I have the, they said that it wasn't compatible with iPadOS, so I needed to get.

• 1:12:22Caleb Hammer?

  A website? An app? It's still an app?

• 1:12:25Speaker 03

  It's first, it's the program. I don't know what the program is.

• 1:12:28Caleb Hammer?

  Is the program an app?

• 1:12:28Speaker 03

  Yes, that's what a program is.

• 1:12:30Caleb Hammer?

  No, that's not what a program is. A schooling program? No, that isn't automatically equal in app. Do you know words?

• 1:12:38Speaker 03

  It's a software. It's a software.

• 1:12:39Caleb Hammer?

  See, that's not even an app!

• 1:12:41Speaker 03

  Sorry.

• 1:12:43Caleb Hammer?

  Okay.

• 1:12:44Speaker 03

  Program, software.

• 1:12:46Caleb Hammer?

  Okay, I get it, I get it.

• 1:12:47Speaker 03

  Application.

• 1:12:48Caleb Hammer?

  I get it. Okay, so you did not have a computer?

• 1:12:51Speaker 03

  Mm-mm. Not one, because I'm gonna be working a lot, so I'm gonna be working at work. I got a laptop, so I got a...

• 1:12:58Caleb Hammer?

  What kind of laptop, you f-

• 1:13:00Speaker 03

  Uh, just a standard Lenovo laptop, that's gonna be

• 1:13:03Caleb Hammer?

  Okay.

• 1:13:03Speaker 03

  High enough quality. I didn't get the highest-

• 1:13:05Caleb Hammer?

  I gotcha, I was just trying to figure that out.

• 1:13:07Speaker 03

  Because I'm gonna be doing my schoolwork at work, like on my lunch a lot.

• 1:13:10Caleb Hammer?

  What's your interest rate on this?

• 1:13:12Speaker 03

  Um, zero interest for 90 days.

• 1:13:13Caleb Hammer?

  When'd you get it?

• 1:13:14Speaker 03

  Um, not quite a month ago.

• 1:13:16Caleb Hammer?

  What's the interest gonna be in two months?

• 1:13:18Speaker 03

  I have never paid off a progressive lease after 90 days.

• 1:13:21Caleb Hammer?

  Yeah, but you guys are really pushing that limit. Everything's getting worse and worse. You never have until you do. You're 20, you have not had a lot of life. You've literally been able to have debt for two years.

• 1:13:31Speaker 03

  I've used-

• 1:13:31Caleb Hammer?

  I've never had this issue.

• 1:13:33Speaker 03

  I've used progressive leasing plenty before.

• 1:13:35Caleb Hammer?

  Yeah, you've only had access to debt for two years. There's a- you don't understand how f- this can get.

• 1:13:39Speaker 03

  But the reason I know-

• 1:13:40Caleb Hammer?

  Oh, boy.

• 1:13:40Speaker 03

  The reason I know to be careful with this stuff is because of what my parents went through.

• 1:13:45Caleb Hammer?

  I get that, but the- but the fact that you've only had access to debt for two years and think because you haven't f- it up fully in two years, while this is getting worse and worse?

• 1:13:56Caleb Hammer?

  With the decades you have left of life? This is d-a-n-g- r-e-s. This mentality you have there, thinking you're gonna be okay because everything's been fine for two years. Okay, what's your minimum payment?

• 1:14:08Speaker 03

  Um, it's ninety dollars bi-weekly.

• 1:14:12Caleb Hammer?

  Okay. Obviously you wanna pay more.

• 1:14:14Speaker 03

  Yeah.

• 1:14:15Caleb Hammer?

  Well, is it deferred interest?

• 1:14:16Speaker 03

  So he's-

• 1:14:16Caleb Hammer?

  Shh. Is it deferred interest?

• 1:14:18Speaker 03

  I don't know what deferred means.

• 1:14:19Caleb Hammer?

  Okay, does- is interest accruing right now and then it all hits at once? If you don't pay it off in 90 days, or does interest all start accruing on the balance in 90 days?

• 1:14:27Speaker 03

  On the balance in 90 days, I think.

• 1:14:28Caleb Hammer?

  Okay, then we don't have to aggressively pay this off while you have 30% interest on two other cards we have.

• 1:14:34Speaker 03

  Wait, no, it is deferred. It is deferred. I'm sorry, I'm trying to think, because I'm trying to look at the little estimate in my head of what it says that you're gonna pay at a certain time. He's helping me pay for it, though. So every- that's what I'm talking about. Everything we do, we pay together. Because, um, it's- he said, "I'll help you pay for your laptop for school."

• 1:14:53Caleb Hammer?

  Yeah, but he doesn't- what the f- he makes eighteen hundred bucks.

• 1:14:56Speaker 03

  But he also doesn't have any other bill responsibilities.

• 1:15:00Caleb Hammer?

  Your minimum monthly is a hundred and eighty, but you need to pay three fifty-two. A month for two months. Okay, good luck. Yeah, it's gonna be a hard one when you spend more money than you fucking make and 70% goes to bullshit. This is another progressive lease.

• 1:15:17Speaker 03

  But this, no, so this is his Christmas present that my mom is helping me pay for. So it's in my name, but my mom is helping me pay for it.

• 1:15:26Caleb Hammer?

  Okay, so we're not gonna say what it is. How do you feel that she's progressively seeing whatever you're gonna get for Christmas? Like I said, no more Christmas.

• 1:15:33Speaker 03

  I did it last year.

• 1:15:34Caleb Hammer?

  Give him a good glucky glucky, give her a good finger finger and Christmas, happy days. She gave him a really weird look with that. What does that even mean? How do I translate that? Does he not perform well? Oh, girl, hit me with the T. Girl, hit me with the T. No, hit me with the T. I love.

• 1:15:55Speaker 00

  This episode is brought to you by Indeed. You're ready to level up your business, but the pressure to find the right person to make that happen is intense. Indeed sponsored jobs can help carry the load. It boosts your job post to help it reach quality talent fast. Cut through the chaos with Indeed sponsored jobs. Get a $75 sponsored job credit at indeed.com/podcast. Terms and conditions apply. Hiring now, then this is a job for Indeed sponsored jobs.

• 1:16:24Caleb Hammer?

  Love it. I need it.

• 1:16:24Speaker 03

  Not that it's not well.

• 1:16:25Caleb Hammer?

  Tell me.

• 1:16:26Speaker 03

  It's just not often. Like, we literally had this conversation in the car right here that, like, it's, it's been almost a month.

• 1:16:37Caleb Hammer?

  Since what? Since anything?

• 1:16:40Speaker 03

  And then before that, it was almost a month.

• 1:16:42Caleb Hammer?

  Poor Quay.

• 1:16:44Speaker 04

  I just, I mean, I told her, like, I mean, it's not in the mood. Like, it's nothing, it's nothing to do with her, cuz she, she thinks it has something to do with her and it's not like I just.

• 1:16:53Speaker 03

  Because I see it as what else am I supposed to, what else am I supposed to think of like? You know, do you not think I'm attractive? Do you think I'm fat? Do you think I'm ugly? Do you like not wanna be around me?

• 1:17:04Caleb Hammer?

  She thinks all of that, but like in in past relationships that I've been in, that has been the main focus. And it's like, I don't want, like, that's the last thing I think about. And when I told her that, she was like, that that doesn't make me feel better.

• 1:17:19Speaker 03

  It almost, it makes me feel the same because that means that, like, does that mean that you don't think I'm attracted, attractive enough for you to feel that way all the time? Because when we got together, it was like crazy.

• 1:17:31Caleb Hammer?

  Always is.

• 1:17:32Speaker 03

  And I was like, yes, I get it. The honeymoon phase ends.

• 1:17:34Caleb Hammer?

  Do you try to make moves?

• 1:17:35Speaker 03

  Yes. And but the reason I don't anymore is because 90% of the time, he says, I don't feel like it.

• 1:17:39Caleb Hammer?

  Well, that's okay. Take the chance, you get it.

• 1:17:41Speaker 03

  Honestly, I don't remember the last time I asked that he said yes.

• 1:17:44Caleb Hammer?

  Sometimes it's interesting, a thing I learned um through an entire process. Oftentimes, there is a yes. You just don't know what that is. This isn't a trying to pressure someone into it. He might not wanna fuck.

• 1:17:59Speaker 03

  And that's what I told him like.

• 1:18:00Caleb Hammer?

  He might not wanna fuck, but ask him what his yes is. He might be down for intimacy without full sex. Because for what it's worth, listen, I've had stressful moments as well. I've had stressful moments, so I get this. This is, this is something I've, I've, I've had to work on, okay? I, I'm very tired of, you know, oftentimes that's a work, you know, I do a lot. And um, so I get it, I get it. There's, there is a yes somewhere. Maybe he's, maybe he's down for a little finger finger. Maybe he's down for making up, maybe he's down for cuddling with like nice words and stuff. So there's oftentimes a yes. So I, I, I don't want you to give up, is all I'm saying. I don't want you to, I'm not saying don't pressure. And that's, that's obviously not the word I'm saying.

• 1:18:39Speaker 03

  I don't want him to, like, I don't want you to feel like you have to do something you don't wanna do. I never want you to feel that way.

• 1:18:45Caleb Hammer?

  See what that yes is. If he doesn't have a yes, if that night is just a no, that's okay. But maybe he doesn't wanna stick it in. Maybe he doesn't wanna go crazy. But maybe he's down for some cuddles for a bit. A little bit of titty play.

• 1:18:56Speaker 04

  And that's why, that's what I told her yesterday. We were talking about it. I was like, you know, I don't always wanna do it.

• 1:19:01Speaker 03

  Watch TV together or something.

• 1:19:02Speaker 04

  I'm down to lay down and watch TV.

• 1:19:03Caleb Hammer?

  You know, that's not intimacy.

• 1:19:05Speaker 04

  Well, I mean, we, we cuddle when we lay down. Like, everything we do, we're.

• 1:19:08Caleb Hammer?

  But that's not focused on each other, that's focused on the TV.

• 1:19:11Speaker 04

  Yeah, I mean, I guess.

• 1:19:12Speaker 03

  And like, we have like card games, because I love card games and stuff. Like, we have couples' card games. I'll be like, we should play this on the ride down to Austin. Do you wanna take the regular version or do you wanna take the spicy version? And he said, I don't care.

• 1:19:25Speaker 04

  Well, cause to me saying I don't care is like, pick what you want.

• 1:19:28Speaker 03

  But the amount of times, like I've said, like, give me an opinion, like, tell me something, like.

• 1:19:34Speaker 04

  Well, I mean, I can't, I don't know, I don't know how to give an opinion on something that I don't really care. Not that I don't care about, I just don't care which one you pick. Like, I'm fine with whatever. Like, it's, it's like, it's like saying if you want to go out to eat here, out to eat there, I'm fine with whatever.

• 1:19:48Caleb Hammer?

  Sometimes it's not when I have sex when there's a lot of stress involved, and there's a lot of stress involved in your finances and raising two kids.

• 1:19:54Speaker 03

  But I see it as like.

• 1:19:54Caleb Hammer?

  I'm not blaming either of you for this. Sometimes you need to be able to give what your yes is and communicate that. It doesn't, you don't have to want the. And I don't want you to give up, and I also don't want you to pressure him either. There are things that can be done, but I understand. I've had stressful times. I get it.

• 1:20:13Caleb Hammer?

  It's normal. It's normal, okay? It's normal. And I want you to think up, I also don't want you to think he's not attracted to you. It's not that, and you just have to, unfortunately, it's hard, but you just have to take, take his word. Cause usually, it's, it's a bodily thing, right? It's not an action that he's doing, it's not buying flowers, it's not something he can just do. You know, it's always gonna wanna be horny in that exact moment. So just take the word. Listen to it. Try not to internalize it too much. Easier said than done. Talk to someone if you have to.

• 1:20:42Caleb Hammer?

  But also stick it in when you're feeling it. Let's go.

• 1:20:44Speaker 04

  Well, that's what I do, you know, like, if I, if I feel like it, then, then we'll do it, but it's just a lot of times I'm, you know, tired.

• 1:20:51Caleb Hammer?

  Maybe figure out something kinky to get excited, stick it in her butt. Let's go.

• 1:20:58Speaker 03

  We don't like that.

• 1:20:59Caleb Hammer?

  Hey, you don't like that. But also, I don't want you to do something you don't like.

• 1:21:05Caleb Hammer?

  No, I'm just saying, you know, play around, have some fun. But I want you guys to have a healthy, a healthy relationship, obviously.

• 1:21:11Speaker 03

  My mom found, uh, the fuzzy handcuffs we got from Spencer's.

• 1:21:15Caleb Hammer?

  There we go, we love it. Okay, what's your minimum payment on this? Four thirty, four fifty-three ninety for the Christmas present, of which we don't know and we're not gonna say.

• 1:21:22Speaker 03

  I don't know, my mom usually, or not that I don't know, it's, uh, so the biweekly payment.

• 1:21:26Caleb Hammer?

  Is he gonna pay it off before it hits?

• 1:21:28Speaker 03

  Yeah.

• 1:21:28Caleb Hammer?

  And your mom pays it, not you?

• 1:21:29Speaker 03

  Because the original.

• 1:21:30Caleb Hammer?

  Your mom pays it, not you?

• 1:21:31Speaker 03

  I help. So she pays most of it. Um, sixty dollars every time it comes out, which is biweekly. So sixty dollars biweekly, and then she makes an additional payment.

• 1:21:38Caleb Hammer?

  A hundred and twenty dollars a month for two months, okay. So it gets paid off, okay, good.

• 1:21:42Speaker 03

  Because it was higher than this, so it was about seven hundred, and this is all.

• 1:21:46Caleb Hammer?

  Who's best buy card?

• 1:21:47Speaker 04

  Mine.

• 1:21:49Caleb Hammer?

  Alright, big guy. You know what's funny? He actually made just like a bigger than minimum payment. When all it is, is you throwing him under the bus the whole time. Where he actually made a bigger than a minimum payment, which you did not do on any of your cards.

• 1:22:00Speaker 03

  But he probably disputed that. Because most of the, because he used to have auto pay set up.

• 1:22:04Caleb Hammer?

  Why, why, why, why set that up if you're gonna just?

• 1:22:07Speaker 03

  That's why I don't do auto pay. Because I check my.

• 1:22:09Caleb Hammer?

  No, set up auto pay for whatever you want.

• 1:22:11Speaker 04

  I had set it up, but then I turned it off because I was gonna do a different amount. And to do the, for, the way that they do it, you have to turn off auto pay to change the amount. So I turned it off, but then it, it still went through after I turned it off, after I changed it.

• 1:22:27Speaker 03

  I can't remember a single time that we've talked about his Best Buy card, though, that he's said, he hasn't said, "My Best Buy card payment got taken out, but it either overdrafted my account or something, or he doesn't have enough money for something else, so he has to dispute it." And I, I mean, granted, that has been a decent amount of time, but every time we would talk about a Best Buy card payment, that was it.

• 1:22:52Caleb Hammer?

  You owe $821, takes four years to pay off minimum payment, $33.

• 1:22:56Speaker 03

  And he told me that that balance was like 500.

• 1:22:59Speaker 04

  No.

• 1:22:59Caleb Hammer?

  Oh, wait. Oh, both of you do crazy gaming PC. You've done 5K on yours, you've done 3K, and you wanna upgrade yours right now?

• 1:23:05Speaker 04

  That's not a full, like, that's not a full guarantee. It's that much, that's just kind of a rough estimate.

• 1:23:11Caleb Hammer?

  Yeah, but you wanna upgrade right now, and you can't afford shit.

• 1:23:13Speaker 03

  Well, that's why I haven't upgraded yet. I want to, but I'm not. Ram, have you seen Ram prices?

• 1:23:19Caleb Hammer?

  No, but I heard it's crazy.

• 1:23:20Speaker 04

  It's.

• 1:23:20Caleb Hammer?

  I, I haven't even upgraded.

• 1:23:22Speaker 03

  That he bought last year for like $250 is $900 now.

• 1:23:26Caleb Hammer?

  What the f**k happened to Ram?

• 1:23:27Speaker 04

  Uh, they're all using AI, and the tariffs finally hit the.

• 1:23:32Caleb Hammer?

  Oh, tariffs, the RAM?

• 1:23:34Speaker 04

  The computer market.

• 1:23:34Caleb Hammer?

  AI, I didn't think AI was.

• 1:23:36Speaker 04

  They're all made in like South Korea. So, you know, everything, every PC component.

• 1:23:40Caleb Hammer?

  I know Taiwan is.

• 1:23:41Speaker 04

  Yeah, every PC component is foreign, so tariffs hit like a mother f**k on that thing.

• 1:23:47Caleb Hammer?

  I'm very confused. $336 in fees this year would essentially say you've had a late fee every month this year? If, plus extra?

• 1:23:57Speaker 04

  I shouldn't have a late fee every month.

• 1:23:59Caleb Hammer?

  What are these fees? It would have to be cash advances? It would have to be cash advances or late fees or some? Either way, they're all f**k, and it's almost $400 worth.

• 1:24:08Speaker 03

  And he used to say that my, all of my late fees were from before we were together. We've been together all of 2025. So how would those all be before we were together?

• 1:24:18Speaker 04

  Well, those, I literally have no idea what those would be from, cuz I, I have...

• 1:24:23Speaker 03

  And this is what I'm talking about, that I look at my stuff every day.

• 1:24:27Caleb Hammer?

  Hundreds of dollars of fees. What are we doing?

• 1:24:31Speaker 04

  I mean, there, there was a period where I wasn't paying the card.

• 1:24:34Speaker 03

  There's no I mean to that. There's no I mean to that. It's you're not making the payment when you're saying you're making the payment.

• 1:24:40Speaker 04

  No, this was like, I've, I've been making the payments.

• 1:24:43Speaker 03

  You've been making the payments, but they're always late.

• 1:24:47Speaker 04

  Not...

• 1:24:49Speaker 03

  He has it right there. I didn't know that. You didn't tell me that. That's not what?

• 1:24:55Speaker 04

  Is that showing for this year?

• 1:24:58Speaker 03

  That's exactly what he said. I mean, does it count like if you dispute your auto pay and then you pay it again, does that count as late?

• 1:25:05Speaker 04

  I have no idea. I don't know if that's how that works. If it, if it marks it as late or not.

• 1:25:10Caleb Hammer?

  You may have had charged backs. When you try to make a payment, you didn't have enough money in your checking account, so it gives you a big whopping fee. That might be it then. Basically a late fee.

• 1:25:19Speaker 04

  That might be it, cuz just as bad. It's been overdrafted.

• 1:25:22Caleb Hammer?

  Just as bad.

• 1:25:26Caleb Hammer?

  Billy, thoughts?

• 1:25:27Speaker 03

  It, it makes me upset cuz that's what I'm talking about, that how are we supposed to do anything combined? How am I supposed, because I was considering, maybe we should just get a joint checking account. I didn't wanna do anything joint checking account until we were married, but since we pay all of our stuff together, we zell each other back and forth a million times a day when we get paid, should we just do that? But that makes me feel like I don't wanna do that, because what if our account then is gonna get overdrawn? Or we're gonna have late fee after late fee because I don't know what he's doing. I don't know what he has going on, on the backend that I can't see.

• 1:25:58Speaker 03

  I'm not going to be his mom.

• 1:26:00Caleb Hammer?

  But what are your motivations?

• 1:26:02Speaker 03

  That I want him to get better. I want both of us.

• 1:26:05Caleb Hammer?

  That you told Colton is you wanna improve your credit score so you can open a brand new card in order to upgrade your PC.

• 1:26:10Speaker 03

  And I told, that is one of them, because I do want to be able...

• 1:26:13Caleb Hammer?

  In reverse.

• 1:26:14Speaker 03

  But that's, I want to be able to pay off my cards and get myself to a... Sustainable point to where I could handle that I can handle because Best Buy does 12 months interest free. So if I can do it on the interest-

• 1:26:28Caleb Hammer?

  It's a risk. It's well, you have people to take care of. What are we doing? Okay. Is this a firm or Klarna? What is this?

• 1:26:34Speaker 03

  That's a firm.

• 1:26:35Caleb Hammer?

  Who's?

• 1:26:35Speaker 03

  Mine.

• 1:26:36Caleb Hammer?

  Louis Cosmetics, Amazon. What are we doing? Come on. You owe 600 bucks. I'm sure the minimum was like 200 a month. Why? Because that's and that's what worries me. $698. That's what worries me is because all of a sudden, there you go. You're just going into debt. You're paying it for your 12 months financing. As long as it's, you know, financing it out, it's okay.

• 1:27:01Speaker 03

  I-

• 1:27:02Caleb Hammer?

  Cosmetics and Amazon?

• 1:27:04Speaker 03

  So the cosmetics, that's like all of my makeup for the year. So I get it-

• 1:27:09Caleb Hammer?

  Money you can, you do not have that you are putting out there. You can get the Fizz Card, a debit card that builds credit. That's all allowed. Okay. Well, that's good. Other than that, I'm not allowing any of this shit that you're doing. This is crazy. Klarna, a firm? What is this? Fabletics?

• 1:27:24Speaker 03

  Uh, that's mine, but we are paying it together.

• 1:27:27Caleb Hammer?

  You're what? What's the account?

• 1:27:29Speaker 03

  Um, Klarna.

• 1:27:33Caleb Hammer?

  Okay. Paying it together. Why?

• 1:27:35Speaker 03

  Um, there's stuff for me, him and the boys on there. Some like-

• 1:27:39Caleb Hammer?

  75 dollar monthly payment. Nope. 8871. Okay. And you owe 254. 15. 88.71.

• 1:27:51Caleb Hammer?

  Kohl's. Who's Kohl's card?

• 1:27:52Speaker 03

  That's mine, but also both of us paying it.

• 1:27:56Caleb Hammer?

  Buying Kohl's?

• 1:27:58Speaker 03

  It was for-

• 1:27:59Caleb Hammer?

  Auto pay off.

• 1:28:00Speaker 03

  I don't do auto pay because I pay all of my stuff manually, which obviously has gotten me further than having auto pay set up and having to cancel every time. Because the reason I don't like-

• 1:28:11Caleb Hammer?

  Probably like 25 bucks?

• 1:28:13Speaker 03

  A word, uh-

• 1:28:14Caleb Hammer?

  103.56.

• 1:28:17Caleb Hammer?

  Okay. Is that all your debt? I just want to make sure because I need to get to this bullshit spending because it's pages. It's literally pages. This is insane, guys. Guys, who's USA checking account?

• 1:28:28Speaker 04

  Me.

• 1:28:29Caleb Hammer?

  This is all you? What?

• 1:28:34Caleb Hammer?

  Oh my gosh.

• 1:28:36Caleb Hammer?

  I just saw.

• 1:28:41Caleb Hammer?

  No, no, no, no, no, no, no, oh my gosh, oh, oh, no, you can't be, oh, based on the last conversation, you can't be doing this. No, no, no, no, no, no, no, no, no, no, no, no. Guy, you're f***ing up.

• 1:28:56Caleb Hammer?

  Listen, again, there have been periods where I sometimes get very stressed, I have a lot of work, I get tired, and I have to find my yes, right? That's what we talk about, I have to find my yes. Maybe I don't want to go full intercourse in that exact day, okay?

• 1:29:10Caleb Hammer?

  I'm a horny person, sometimes it's not always there, it happens. But I don't go and just fap. I make sure when I want to have sex, I have sex with my girlfriend.

• 1:29:21Speaker 03

  What is it?

• 1:29:23Caleb Hammer?

  He's spending a shit ton on only...

• 1:29:30Caleb Hammer?

  While not f***ing her? While not being intimate with your...

• 1:29:37Caleb Hammer?

  I'm sorry.

• 1:29:45Speaker 03

  Nice to know.

• 1:29:49Speaker 03

  Cue for that, I guess?

• 1:29:52Speaker 03

  After you've told me that, because I know he used to do that, a long time ago, he said it was before we were together.

• 1:29:57Caleb Hammer?

  Oh.

• 1:30:00Speaker 03

  Why wouldn't you? Like, I've told you, you can be honest with me about that stuff.

• 1:30:06Caleb Hammer?

  And I feel like it's just something weird to be honest about.

• 1:30:09Speaker 03

  While you don't even want to be with me?

• 1:30:11Caleb Hammer?

  No, it's not, it's not that.

• 1:30:13Speaker 03

  You told me you cancelled it, is the point, you told me you cancelled it, is the point.

• 1:30:16Caleb Hammer?

  Yes, and I did.

• 1:30:17Speaker 03

  Then why do you have it?

• 1:30:19Caleb Hammer?

  Because I, I did another one.

• 1:30:22Speaker 03

  Why? Cue for that, honestly. Like, genuinely, cue for that.

• 1:30:30Speaker 03

  Because why would you lie to me about that when you don't even want to be with me?

• 1:30:34Speaker 04

  I never said I didn't want to be with you.

• 1:30:36Speaker 03

  Then why would you rather do it somewhere else than with me? That is you directly not wanting to be with me.

• 1:30:44Speaker 04

  Not really.

• 1:30:46Speaker 03

  So then, then what is it? Then what is it if you, if it's you doing it and not wanting to do it with me?

• 1:30:53Speaker 04

  I mean, I can get horny when you're not home.

• 1:30:58Speaker 03

  But when I've asked you, do you do stuff like this in your spare time, you say, no.

• 1:31:02Speaker 04

  Yeah, cuz I don't do it all the time.

• 1:31:03Speaker 03

  But do not doing it all the time doesn't mean that you don't do it.

• 1:31:09Speaker 03

  When so when I ask, you say, yeah, a little bit. Not no.

• 1:31:14Caleb Hammer?

  Oh, Fanfic 2?

• 1:31:16Speaker 04

  I, I don't know what that is cuz I've looked at it and I can't, I can't cancel it. Like I've gone to it and I don't even have a subscription on there. And I like, I've even contacted the support about it.

• 1:31:30Caleb Hammer?

  I'm sorry.

• 1:31:32Speaker 03

  Yeah, I am too.

• 1:31:35Speaker 03

  Kinda means that all the reassurance that you do means nothing.

• 1:31:40Speaker 03

  You saying you're just not in the mood or you're stressed, you're tired, means nothing. That means you're lying to me.

• 1:31:45Speaker 04

  No, cuz I don't have it.

• 1:31:49Speaker 04

  Just cuz there's.

• 1:31:50Speaker 03

  When is it from? When is it from?

• 1:31:51Speaker 04

  That's from October. It was a one-time payment.

• 1:31:55Speaker 03

  When? When did you do it?

• 1:31:57Speaker 04

  In October.

• 1:31:58Caleb Hammer?

  Why?

• 1:31:59Speaker 03

  Why? What was the scenario?

• 1:32:02Speaker 04

  I don't know. I was out of town.

• 1:32:04Speaker 03

  I knew it. I knew it. I knew you were gonna do something like that while you were gone.

• 1:32:11Speaker 03

  It's fine. It's fine. Get moving.

• 1:32:12Caleb Hammer?

  No, it's not. Objectively, I can see it. You're heartbroken. What do you mean you knew something was gonna happen out, out of town?

• 1:32:22Speaker 03

  Like, I tried calling him like three times and it, he didn't answer. And it could have been because he was asleep.

• 1:32:28Speaker 04

  I was at work.

• 1:32:29Speaker 03

  Yes, and I also texted our roommate and asked, what's he doing? I don't know. He's in the other room.

• 1:32:35Speaker 04

  Yeah, I was talking with.

• 1:32:39Speaker 04

  And that was whenever I told you that my phone was charging and we were watching Family Guy.

• 1:32:43Speaker 03

  You're just, you're trying to defend yourself when it's-

• 1:32:46Speaker 04

  No, I'm not trying to defend shit whenever that's actually what happened. Yes, I will admit, I did subscribe to it when we were there, but that's not what I was doing when you texted me. I was laying in bed with my phone charging, watching Family Guy.

• 1:32:59Caleb Hammer?

  I can vet it. I can vet it. If you log into your own phone right now, show me.

• 1:33:05Caleb Hammer?

  I like to see tits. I won't complain if they pop up. Oh, we're fans of tits here.

• 1:33:13Caleb Hammer?

  I'm sorry.

• 1:33:15Caleb Hammer?

  I-

• 1:33:16Speaker 00

  This episode is brought to you by Indeed. You're ready to level up your business, but the pressure to find the right person to make that happen is intense. Indeed sponsored jobs can help carry the load. It boosts your job post to help it reach quality talent fast. Cut through the chaos with Indeed sponsored jobs. Get a $75 sponsored job credit at indeed.com/podcast. Terms and conditions apply. Hiring now? Then this is a job for Indeed sponsored jobs.

• 1:33:45Caleb Hammer?

  I'm sorry.

• 1:33:48Caleb Hammer?

  There's a part of me that's kind of struggling here. It's like, you both have, you're top down camera. I mean, like, this is his bullshit spending? This is going out to eat and pay one page, two page, three page,

• 1:34:06Caleb Hammer?

  four page, five page,

• 1:34:12Caleb Hammer?

  six page, seven page. Every purchase is bullshit.

• 1:34:24Caleb Hammer?

  Are you Wells Fargo?

• 1:34:27Caleb Hammer?

  And then we look to you for the good finances and you're negative $451.

• 1:34:33Speaker 03

  Cause I get my-

• 1:34:34Caleb Hammer?

  Doesn't matter. You're negative $451. Because if it was all needs, I could be sympathetic, but there's one page of all bullshit, two page of all bullshit, three page of all bullshit, and a little bit of bullshit on the final page.

• 1:34:52Speaker 03

  I think the reason it shows that it's negative is because I get an advance on my paycheck.

• 1:34:57Caleb Hammer?

  Doesn't matter. Doesn't-

• 1:34:58Speaker 03

  So, or not in advance.

• 1:35:00Caleb Hammer?

  You were negative while spending everything on bullshit. That's the reality.

• 1:35:04Speaker 03

  No, like it would have shown-

• 1:35:04Caleb Hammer?

  No, guys, come on. It doesn't matter. Well, it's all on bullshit is the point.

• 1:35:12Caleb Hammer?

  Okay, let's see.

• 1:35:15Caleb Hammer?

  Oh, and you guys still owe a thousand dollars to your dad for the trip to Buffalo. I thought he paid for it. Okay, thank you.

• 1:35:28Caleb Hammer?

  Okay, I get thirty four, thirty four dollars to subscribe to this person? Okay, I'm subscribing.

• 1:35:38Caleb Hammer?

  Okay, what am I seeing here?

• 1:35:41Caleb Hammer?

  Okay, good, good, good. It's, it's an emo woman taking dick. Okay, very good. Okay, I was concerned for a while because this person's like profile picture is weird and their Twitter looked weird. But it's a, uh, do you want to see? Yeah, it's very, it's, um, okay, but it's an emo woman. Good, good, good. We like that. We, we love emo, emo woman with a vagina. Okay, good, good, good, good, good. I'm, I'm glad to see. I honestly thought you were into some like weird murder gay porn. I was about to be very concerned because it was, it was, uh, it was, it was looking very weird for a moment. It was looking very weird. Okay, all his subscrib-

• 1:36:32Caleb Hammer?

  Okay.

• 1:36:34Caleb Hammer?

  I unfortunately think, ladies and gentlemen, that we are going to end this conversation. I'm going to send them to a budgeting, um, expert that we work with outside of here because that's not the issue they're going to have to deal with. Clearly, there is more to work with because in August alone, he purchased one, two, three, four, five fan subscriptions. September, one, two, three, four, five separate OnlyFans subscriptions that were different. He signed up for separate, different accounts that he was not previous. He is, I think he might have a potential, he's subscribing to multiple OnlyFans accounts multiple times a month. He is, uh, he's gooning a lot.

• 1:37:17Caleb Hammer?

  And I think what we have here more than anything is a relationship issue that needs to be worked on in therapy before we think about the finances. And listen, this is very difficult. And I do not want you guys, I don't want you guys to break up, to be very clear. I want you guys to have a good life together and I want us to get there. You know, cutting out all the gooniness and stuff that obviously happens in the show. I always wish for the best for our guests and we will focus on a budget at some point and I'm gonna hook you up with an expert for that and all of our resources, of course. But more than anything, have you guys seen a couple of therapists?

• 1:37:57Speaker 03

  Um, we've seen my therapist together once.

• 1:38:01Caleb Hammer?

  Maybe a couple of therapists, especially that focuses on sex and you might need to see therapy on your own. I'll pay for the first two sessions. I want you guys to go, please, because we need to focus on healing this relationship and focusing on this relationship first before we can think about the money because there's some things going on here. And I think we've seen that through this conversation, okay? That's what we're doing. Guys, come join us for the post-show. Come join us for the post-show. Get your Hammer Finance Score, CalebHammer.com. Click that join button to join us in the post-show. I'm sorry, I just, I don't think it's productive. You know, if I'm just being real, because you're not gonna be able to budget and focus on things going forward from here. I know the audience might want to see a budget. It's not about that, it's about you guys and I want you guys to do well and I need you

• 1:38:45Caleb Hammer?

  guys to sit down with a couple of therapists, maybe that focuses on sex too. I think you might have some gooning issues. Would you admit to that?

• 1:38:52Speaker 04

  I mean, not, not anymore, no.

• 1:38:54Speaker 03

  Fuck you.

• 1:38:55Speaker 04

  Not anymore. No, that was that it ended, that whenever, so whenever I've-

• 1:39:02Speaker 03

  You're trying to defend yourself. Why are you trying to defend yourself?

• 1:39:04Speaker 04

  Whenever I've done it, I would, I would pay for it, I would do it and then I would never look at it again.

• 1:39:09Caleb Hammer?

  Can I see your phone?

• 1:39:10Speaker 04

  Yeah.

• 1:39:11Caleb Hammer?

  Can you open your phone?

• 1:39:12Speaker 04

  Uh, what do I mean to open to?

• 1:39:13Caleb Hammer?

  Just open your phone.

• 1:39:14Speaker 04

  Okay.

• 1:39:17Speaker 03

  Is that why you didn't want me to look at that Twitter account?

• 1:39:19Speaker 04

  No.

• 1:39:20Speaker 03

  What was the Twitter account?

• 1:39:21Speaker 04

  I don't know. Like, I literally, I clicked on it when, like, there was a notification and I didn't look at it.

• 1:39:27Caleb Hammer?

  All right, join us for the post-show. There's obviously a lot more to talk about, but I think this, this part of the conversation is done.

• 1:39:34Caleb Hammer?

  Click the join button. Best membership on YouTube. See you there. Wait, so you've been hiding this?

• 1:39:39Speaker 03

  Yes.

• 1:39:40Caleb Hammer?

  Wait, so you've been hiding [BLEEP] completely?

• 1:39:42Speaker 03

  So that's what I told him last night. I don't ask anymore because I'm afraid of you saying no. Because it's not that I have a problem with you saying no, it's that every time I ask, you say no.

• 1:39:50Speaker 04

  I don't remember you saying you were.

• 1:39:52Caleb Hammer?

  Oh, nobody. You [BLEEP] this.

• 1:39:57Caleb Hammer?

  Join us Saturday, January 31st for Hammer Elite Day. A five-hour livestream featuring all of your favorite shows, but done live with you. See you there.

• 1:40:07Speaker 05

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