Financial Audit's Most Abusive Couple

*SHE CALLED DEMANDING HER MONEY BACK* and it explodes... we also find out maybe he's been grooming her?? WWatch todays post show: https://hamr.link/ytjoin *OR* download the brand new Hammer Elite App ➡️ https://hammerelite.com 30% off *LIMITED TIME ONLY* as a launch bonus 🎁 WE JUST LAUNCHED The Hammer For Life Box! Limited Edition Merch ONLY Available to the FIRST 1000 to Purchase AND once they're gone, they're gone FOREVER! https://hamr.link/app-launch 💰 Download Dollarwise - Big Deals, New Features, Free Trial: https://go.dollarwise.com/join ============================= 👉 Checking & Savings: get a $200 bonus and earn 3.75% APY on your Savings with Chime®: https://secure.moneymatchup.com/chime-caleb-website 🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb 🔥 Get Your Own *Hammer Financial Score* → https://hamr.link/FAquiz ============================= *Sponsors for This Video* ============================= Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78 Start building credit with Kikoff today, and get your first month for as little as one dollar. That’s 80% off the normal price when you go to http://getkikoff.com/caleb today. ============================= *Education* ============================= 👉 Get access to EVERYTHING I offer all in one place: https://bit.ly/4sUm2pb ⚡️Learn how to budget: https://bit.ly/4sspyGh ⚡️Learn how to invest: https://bit.ly/41mr8OP ⚡️Pay off your debt: https://bit.ly/41mr8OP ============================= *Check Out My Resources* ============================= 👉 Checking & Savings: Get a $200 bonus and earn 3.75% APY on your Savings with Chime®: https://secure.moneymatchup.com/chime-caleb-youtube-disc 👉 Land a high-paying job with no experience or degree: ➡️ https://coursecareers.com/CalebHammer 👉 See if refinancing your high-interest debt saves money. Checking is free. → https://hamr.link/ytmoneylion2 👉 Get FREE MONEY by investing with Public! https://secure.moneymatchup.com/public-caleb 👉 Find the best credit cards for you with my quiz! https://cards.calebhammer.com/yt 👉 Get $20 from Acorns for free: ➡️ https://acorns.com/caleb 👉 Helium Mobile: Use promo code CALEB for a FREE plan ➡️ https://hellohelium.com/ 👉 Protect your online privacy and security for free with Aura: ➡️ https://aura.com/hammer ============================= *Chapters* ============================= 00:00 Intro 01:25 Jobs & Income 04:04 theyre already at each others throats lol 09:00 just put the fries in the bag!! 10:30 okay put the vegetables in the bag!! 15:00 NO SHOT SHE DOESNT EAT!! CHAT??? 26:10 why are they together lmfaaao 32:20 so many applications, yay!! 38:00 unemployed? no, trad-wife! (maybe gold digger) 50:10 this dudes daily checking her weight??? 58:30 why do we have a blood pressure machine lol 01:03:30 calebs questions got her like a deer in headlights 01:06:35 she doesnt understand how unhealthy coca-cola is LMFAAO 01:10:25 oop, maybe theyre both villains.. 01:16:35 she did what to him for what??? 01:26:55 bullsh*t bullsh*t bullsh*t 01:31:33 Budget!! ============================= Want more content? ============================= 🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips 🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel ============================= *Connect with me!* ============================= TikTok: https://www.tiktok.com/@calebhammercomposer X: https://x.com/sircalebhammer IG: https://www.instagram.com/calebhammercomposer/ Facebook: https://www.facebook.com/calebhammercomposer/ ============================= *Want to be a guest on Financial Audit?* ============================= 👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply *Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. Sponsorship and business inquiries: [email protected] Learn more about your ad choices. Visit megaphone.fm/adchoices

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

• 0:00Speaker 00

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• 0:30Caleb Hammer?

  To watch episodes of Financial Audit a week earlier, check us out on YouTube. I know that your families do not support this relationship.

• 0:36Speaker 02

  My family thinks that he's too verbally abusive and controlling.

• 0:40Caleb Hammer?

  What the f**k's he doing?

• 0:40Speaker 02

  Whenever I was like, it's too much, like you need to chill out and everything, and he just kept going.

• 0:45Speaker 03

  She'd tell me to stop and I would stop.

• 0:47Speaker 02

  No, you did not. There were three times that you did not.

• 0:49Caleb Hammer?

  What, doing what?

• 0:51Speaker 02

  Well, I'm...

• 0:52Speaker 03

  Just sexual stuff.

• 0:53Caleb Hammer?

  Of what? She said stop and you didn't?

• 0:55Speaker 02

  There was one time that you did hit me that wasn't fun.

• 1:01Caleb Hammer?

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• 1:34Speaker 03

  Hi, I'm Todd. I'm 29 years old.

• 1:36Speaker 02

  I'm Sophia and I'm 25 years old, and we live in Austin, Texas.

• 1:40Speaker 03

  And this is Financial Audit.

• 1:43Caleb Hammer?

  Hey, thanks for coming on, guys. All right, Todd, what do you do here in Austin for a living?

• 1:49Speaker 03

  Uh, I'm a lead associate for a manufacturing company.

• 1:53Caleb Hammer?

  Lead associate?

• 1:55Speaker 03

  Yeah, yeah, absolutely.

• 1:56Caleb Hammer?

  Lead associate? That does not make sense. Associate is usually on the lower... But okay, what do you make?

• 2:02Speaker 03

  Well, I just lead a bunch of little lower pawns.

• 2:05Caleb Hammer?

  Lower associates?

• 2:06Speaker 03

  Yes, yes, exactly. Got a couple of people under me, pawns. I would probably be more like a bigger pawn. Not quite a knight or a bishop, but uh...

• 2:15Caleb Hammer?

  Very good.

• 2:16Speaker 03

  I'd say I probably make about 35 an hour.

• 2:19Caleb Hammer?

  Okay, well, you would say you make 30? Do you make thirty-five an hour?

• 2:24Speaker 03

  Okay, exactly, I'd make about thirty-five nineteen an hour.

• 2:27Caleb Hammer?

  About?

• 2:28Speaker 03

  Yeah.

• 2:28Caleb Hammer?

  Or thirty-five nineteen?

• 2:29Speaker 03

  I haven't checked in a minute, but thirty-five nineteen.

• 2:31Caleb Hammer?

  You don't know your wage?

• 2:32Speaker 03

  No, no, I don't keep track of it that often, no.

• 2:35Caleb Hammer?

  How many hours a week do you work?

• 2:36Speaker 03

  Uh, right now, we're averaging about forty-three.

• 2:39Caleb Hammer?

  Who's where?

• 2:40Speaker 03

  I just say that, me, I average forty-three an hour, a week.

• 2:45Caleb Hammer?

  Okay, very good. And what hits your account per paycheck cycle and what is that paycheck cycle?

• 2:51Speaker 03

  Uh, right now, we're looking at twenty-two hundred, uh, paycheck.

• 2:58Caleb Hammer?

  Which is every?

• 2:59Speaker 03

  Every two weeks, so.

• 3:00Caleb Hammer?

  Okay, forty-four, not bad. You got a lot of groceries to get. Sophia, speaking of those, what do you do for a living?

• 3:11Speaker 02

  I'm currently unemployed.

• 3:12Caleb Hammer?

  What the? Okay, that forty-four was gonna be really nice to add into a collection of income.

• 3:18Speaker 02

  I agree, yeah.

• 3:19Caleb Hammer?

  Where'd you work, girl?

• 3:21Speaker 02

  Um, I got let go from a really shitty job, like honestly, a really shitty job, that.

• 3:27Caleb Hammer?

  What was the job?

• 3:28Speaker 02

  I was a, uh, IT help desk person and then also for like a little bit had a, had a dual job thing.

• 3:36Caleb Hammer?

  Yeah, nobody likes help desking. That shit sucks. I've helped with some of that stuff before. It was horrible. I hated it.

• 3:42Speaker 02

  Unfortunately, it's the first step in what my degree actually is, so.

• 3:46Caleb Hammer?

  Which is IT?

• 3:47Speaker 02

  Yeah, uh, information systems with a minor in business administration.

• 3:53Caleb Hammer?

  Okay, yeah, I mean, that's where you gotta start. So you gotta grind it out, but you got fired. Why'd you get fired?

• 3:57Speaker 02

  Uh, what they told me was because I was late and I had too many doctor's appointments and that I wasn't.

• 4:05Caleb Hammer?

  Well, do you?

• 4:06Speaker 02

  Uh, uh, I was, no.

• 4:09Caleb Hammer?

  Okay.

• 4:09Speaker 03

  Almost every week.

• 4:10Speaker 02

  No.

• 4:11Caleb Hammer?

  No, you don't.

• 4:12Speaker 03

  Well, since the start of the year, yes.

• 4:15Speaker 02

  Oh, gosh, premiums, yeah.

• 4:16Speaker 03

  I put her on my insurance and the start of the year.

• 4:19Caleb Hammer?

  Those premiums must be crazy.

• 4:21Speaker 03

  It did jump significantly. I think before her, I was paying six, seven bucks a month. And then when I added her at the start of the year, it jumped up to forty five.

• 4:30Speaker 02

  Okay, but be for real, you did not pay attention to like the different insurance options you had and you were paying out of your ass for like the stupidest lowest insurance where you had to pay the most upfront. Like when you go, you had to pay the most there instead of paying more insurance.

• 4:45Caleb Hammer?

  Low monthly, yeah, okay.

• 4:46Speaker 02

  So our copay is now lower because we don't have to pay as much upfront and then insurance gets more taken out for him.

• 4:53Speaker 03

  I went to the doctor like once a year.

• 4:55Speaker 02

  The deductible is thirty five hundred per person and seven.

• 5:00Caleb Hammer?

  And if you're going once a week, you're gonna catch that pretty damn quick.

• 5:03Speaker 02

  Yeah.

• 5:04Caleb Hammer?

  What is she going once a week for?

• 5:05Speaker 03

  It went all over the place. She signed us up for everything. She went to Vision for, uh, what other ones?

• 5:12Caleb Hammer?

  Oh, so you got the basic shit. For the first time, so.

• 5:14Speaker 03

  Yeah.

• 5:14Speaker 02

  Yeah.

• 5:15Caleb Hammer?

  She was sitting checked up. That's not bad.

• 5:17Speaker 02

  And then I.

• 5:18Caleb Hammer?

  If she's just going for the first time in years, that's not a bad thing. I thought she meant she was just going every month for fun.

• 5:22Speaker 03

  Her job doesn't see it that way.

• 5:24Speaker 02

  Yeah.

• 5:24Caleb Hammer?

  Well, of course not. That is fair.

• 5:26Speaker 02

  They told me multiple times.

• 5:28Caleb Hammer?

  Did you get approval by your manager?

• 5:29Speaker 02

  Yes, I did. I even have the signed paperwork of it and then sometimes.

• 5:33Caleb Hammer?

  Maybe you weren't good at help desking because it's very weird to just fire people for made up reasons.

• 5:37Speaker 02

  I was pretty good.

• 5:38Caleb Hammer?

  Unless they were trying to cut people to severance.

• 5:40Speaker 02

  So that, okay, no, no, because it was like nine people in the company total. They didn't even have like workers comp. No, so the thing was is what they told me was that, that I was late and that I wasn't good enough at my job for being there for a year, which is complete and total bullshit.

• 5:55Caleb Hammer?

  That might be fair. That's a good reason to fire someone.

• 5:58Speaker 02

  For them, yeah, but the actual reason.

• 6:00Caleb Hammer?

  Actually fire someone if they're not as good as they should be within a year. Because then they'll replace you with someone who will be as good as they should be within a year.

• 6:07Speaker 02

  Then maybe not get someone who's fresh out of college. And I very clearly told them I'm fresh out of college.

• 6:12Caleb Hammer?

  Well, people who are fresh out of college grind like crazy. What do you mean?

• 6:15Speaker 02

  I did grind. I have a three point six GPA from college.

• 6:19Caleb Hammer?

  Oh, from college. No one gives a about your grading. Dude, literally.

• 6:24Speaker 02

  People do, actually.

• 6:25Caleb Hammer?

  No, actually, nobody does now because unfortunately in college, the statistics were getting it around it in terms of uh, average GPAs are all beyond inflated now because they're just, yes, across the board because we're babying everyone. That just happened over the past 10 years. It's crazy.

• 6:42Speaker 02

  There was only like three people that got at least cum laude at my school. Okay, TLU, Texas Lutheran University, which is pretty shit, but still. I worked my ass off for that. I tried actually really hard and got it.

• 6:59Caleb Hammer?

  Okay, well, I still don't care about how you did in college. That's not the point. I'm talking about, I'm talking about people grind when they get out of school in their first job. I don't care if you grind it in college.

• 7:07Speaker 02

  I did grind, like really, I, that's, I'm not gonna go there. That was kind of bad. Anyway, um, uh, doesn't matter. So, I did, and the guy, I had to share an office with one specific dude who's just awful at times, but.

• 7:22Caleb Hammer?

  So everyone's bad but you, okay, got it.

• 7:24Speaker 02

  Oh, no, no, no. Like, there's things, granted, I did rely on him a lot because I was like, hey, I don't know how to do this. I don't have like confidence and make sure I know.

• 7:31Caleb Hammer?

  How long have you been fired? When were you fired?

• 7:33Speaker 02

  March.

• 7:34Speaker 03

  Two months ago.

• 7:35Caleb Hammer?

  Yeah, okay, okay. So you should be ending up with a job here pretty soon.

• 7:41Speaker 02

  Yeah, that's the goal.

• 7:43Caleb Hammer?

  Hopefully.

• 7:43Speaker 02

  I mean, I've been putting in job applications, like.

• 7:45Caleb Hammer?

  Okay, but with a good resume with, uh, they're actually targeted towards the place.

• 7:50Speaker 02

  Yeah.

• 7:50Caleb Hammer?

  And making it look like you want to be there for a while and not just get into the field of your choice.

• 7:53Speaker 02

  Yep.

• 7:54Caleb Hammer?

  Okay, why don't you go and work at McDonald's?

• 7:56Speaker 02

  Hmm.

• 7:57Caleb Hammer?

  To get supplemental income.

• 7:58Speaker 02

  You know what?

• 7:59Caleb Hammer?

  That's crazy. Is it because less than $4,400 in Austin's kind of rough?

• 8:03Speaker 02

  It is rough, but I.

• 8:04Caleb Hammer?

  So you need to go make some money while you're looking for that better job.

• 8:07Speaker 02

  The other thing too is like.

• 8:09Caleb Hammer?

  I see the hiring signs everywhere.

• 8:11Speaker 02

  I know, but I don't, I want to make sure I get a job that's in my field so I can continue my career further.

• 8:17Caleb Hammer?

  Just don't put it on your resume.

• 8:20Speaker 02

  The jo- well, yeah.

• 8:22Caleb Hammer?

  There you go. It's your tr- your resumes are basically just made up anyway at this point. It's just like, you need to go make money right now. And you might be a supply risk for those places. Yes, I get it. But the thing is, you do need to make more money now.

• 8:37Speaker 02

  I also want to like, make sure that I can get it.

• 8:40Caleb Hammer?

  Want, I don't care about want.

• 8:41Speaker 02

  Well, I do.

• 8:42Caleb Hammer?

  You need to make money. You want, I don't give a.

• 8:45Speaker 02

  I mean, I have a way of making money coming in.

• 8:49Speaker 03

  What's that? It's not enough money. Let's not do that.

• 8:52Caleb Hammer?

  Oh, let's do it for a second. What is it?

• 8:55Speaker 02

  I clean.

• 8:56Speaker 03

  She's volunteered to do cleaning up my family's, some close families. And it's not really enough. It's created some friction there.

• 9:05Caleb Hammer?

  Oh.

• 9:05Speaker 03

  Cause she gets barely enough to pay her bills. And even on that, that's not enough. So she, so I pay for her gas to do the job.

• 9:13Speaker 02

  And my medical.

• 9:15Caleb Hammer?

  Where do you apply? Indeed, LinkedIn?

• 9:17Speaker 02

  USAjobs.gov, because I want to have a government job and a remote job.

• 9:21Caleb Hammer?

  So she's being hyper picky. Oh.

• 9:23Speaker 02

  Well, no, no, no, no.

• 9:25Caleb Hammer?

  So she's being beyond hyper picky in her application. She's not going to just make a fucking.

• 9:29Speaker 02

  I'm going to job fairs. I'm doing Indeed.

• 9:31Caleb Hammer?

  I don't care why you want to work in though. Eventually I will. But right now, go get any IT job. Private sector, I don't give a, but the thing is, and then you aim to get higher. You don't get to right. Are you guys married?

• 9:43Speaker 02

  No.

• 9:45Caleb Hammer?

  So you're supporting her and you're not even married? How long have we been dating?

• 9:48Speaker 02

  Uh, June will be six years.

• 9:50Speaker 03

  Six years.

• 9:50Caleb Hammer?

  Oh, are you gonna get married?

• 9:52Speaker 02

  That's a great question.

• 9:53Speaker 03

  Yes, yes.

• 9:55Speaker 02

  That's a great question.

• 9:56Speaker 03

  We have things in our relationship we're working on. Things I've made very clear.

• 10:00Caleb Hammer?

  What have you made clear? My friend, my friend Todd.

• 10:04Speaker 03

  Well, so originally when we started the relationship, I, I told her that I'm not gonna get married to somebody who has a bunch of debt. Coming out, coming out of school, she had a bunch of college debt. She bought a brand new car.

• 10:16Caleb Hammer?

  College debt's a little less. Oh, okay. Well.

• 10:18Speaker 02

  I had to buy a car for one.

• 10:20Caleb Hammer?

  Not a brand new.

• 10:21Speaker 02

  No, I did not buy brand new. I bought used. Yeah, that's because he doesn't know he's talking about.

• 10:24Speaker 03

  It's basically brand new. It's like twenty thousand miles or less. Okay, not twenty twenty-six or whatever, but it's like a twenty sixteen.

• 10:32Caleb Hammer?

  That's a fair point though. The, the debt, I get that. Now, what else?

• 10:37Speaker 02

  Go ahead, say it.

• 10:38Caleb Hammer?

  Oh, what?

• 10:40Speaker 02

  Say it. No balls. Do it.

• 10:43Speaker 03

  That's crazy that you're gonna make me say this. Uh, I told her that I have issues with her weight and that I want her to

• 10:50Caleb Hammer?

  Well, no shit. She can't ride you.

• 10:53Speaker 02

  Uh, that's not true, but-

• 10:55Caleb Hammer?

  With him surviving.

• 10:56Speaker 02

  Oh, okay. That's still not true because that's one of the things he likes. So, yeah, thanks. That's cool.

• 11:03Speaker 03

  But, hey, so this was clear boundaries that we set at the start that I've, I've been working on her with. And even with the dead-

• 11:10Caleb Hammer?

  What? So six years ago, you said, "Don't be fat?"

• 11:12Speaker 02

  Not six years ago. No.

• 11:14Caleb Hammer?

  Wait, I'm sorry. Can I, may I just ask for a second? If you don't want to be with a fatty, why'd you get with a fatty?

• 11:21Speaker 02

  That's a great question.

• 11:22Speaker 03

  I enjoyed having the conversation with her and, and I've built an emotional connection with her and, and, uh, everybody seems to hate on me for saying that, so I'm just trying to-

• 11:31Caleb Hammer?

  Not hating on you with it, but-

• 11:33Speaker 03

  Not you, but other people.

• 11:34Caleb Hammer?

  If, no, I mean, I am hating you on it, but the thing is, if your entire thing is I'm not marrying you until you lose weight, why get with someone who is definitely not losing weight?

• 11:44Speaker 03

  Uh, probably because I believe that people can change and despite everybody telling me that people don't change, I hold that-

• 11:49Caleb Hammer?

  You're getting with someone who may not want to. Like, this is like-

• 11:52Speaker 02

  I do want to.

• 11:53Speaker 03

  She wants to, so I, I hold her to that.

• 11:55Caleb Hammer?

  I will say this. Did the math before we filmed. You're class four obese. Never had class four obese before. That's an intense obesity. That's an intent, that's, that's, that's a mega obesity.

• 12:06Speaker 02

  Yeah, but also-

• 12:07Caleb Hammer?

  BMI of over 50. She's over 50 BMI. So if you want to lose weight, I don't think we need to be 50 BMI. Listen, I get it when you're-

• 12:14Speaker 02

  I am losing weight, actually.

• 12:16Caleb Hammer?

  Were you class five?

• 12:17Speaker 02

  I was. I'm pretty sure I was.

• 12:19Caleb Hammer?

  How much have you lost?

• 12:20Speaker 02

  35 pounds.

• 12:23Speaker 02

  Hey, hey.

• 12:24Caleb Hammer?

  I'm sorry, but I've seen my 600 pound life.

• 12:27Speaker 02

  I'm nowhere near that.

• 12:28Caleb Hammer?

  35 pounds is water weight of a week's diet.

• 12:31Speaker 02

  No, no.

• 12:32Caleb Hammer?

  Girl.

• 12:34Speaker 02

  I'm actually keeping this off.

• 12:35Caleb Hammer?

  BMI of 50? Girl.

• 12:39Speaker 02

  It's also, you don't know my muscle mass.

• 12:40Caleb Hammer?

  Fine, thirty-five of, how long?

• 12:44Speaker 02

  Um, I started in January.

• 12:46Caleb Hammer?

  Girl, that size doesn't just lose thirty-five pounds. Like, that's just like, that's, listen, it would be, thirty-five would be big for me. And anyone else in this room, thirty-five, I'm just, I'm sorry, it's like, do you have a target weight that she has to hit to marry her? You like laid it out, or like, what is the criteria?

• 13:05Speaker 03

  We talked, we set some targets, but at this point she disagreed with it, so I'm just.

• 13:10Speaker 02

  That's not true.

• 13:11Caleb Hammer?

  What, what was the target?

• 13:12Speaker 03

  So originally I had told her roughly around the range of like one seventy. Um, I'm planning on putting on myself.

• 13:19Caleb Hammer?

  That's far away.

• 13:20Speaker 03

  Yeah, so that was the thing. She said she would never get that size, uh, so I've kind of compromised with her and I'm just looking for improvement.

• 13:30Speaker 02

  No, no, no. I never, I did not say I would never get that size. My goal's one forty.

• 13:35Caleb Hammer?

  One forty, hey, that's a good goal.

• 13:37Speaker 02

  I mean, I want to be one forty because we supposedly are planning on having kids later.

• 13:42Caleb Hammer?

  Yeah, that's, obesity is one of the, makes it very difficult sometimes.

• 13:47Speaker 02

  So typically you gain about twenty to twenty-two pounds per child pregnancy, so if I have only two, then that puts me at like.

• 13:55Caleb Hammer?

  Okay, that's weird.

• 13:57Speaker 02

  Specific thing.

• 13:58Caleb Hammer?

  You're mathing out the.

• 13:59Speaker 02

  I am mathing it out.

• 14:01Caleb Hammer?

  Listen, I am aligned with you, like, ah.

• 14:03Speaker 00

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• 14:33Caleb Hammer?

  Uh, cut in the jokes for a second. I'm aligned with you. That's a good goal to have to lose weight because that's healthy and that's good. Okay. And I understand wanting your partner to lose weight because you want them to have energy. You want to have kids. You want to live a longer life because you're going to die within like five years. Okay. More like 10, but even still.

• 14:48Speaker 02

  All of my family.

• 14:49Caleb Hammer?

  You will find some rare instances, but it is very rare to see someone your size to 50.

• 14:53Speaker 02

  That, yeah, that's, that's fair. And like.

• 14:55Caleb Hammer?

  But, but I'm congratulating you. I am saying I agree with you. That is a good goal.

• 14:59Speaker 02

  Okay.

• 14:59Caleb Hammer?

  But I have to have real talk as well. Someone at basically 300 pounds, class four obese, BMI of over 50, 35 pounds in five months at that size is practically water weight. That's like, it's, that would be like losing five pounds for me, which is, I can do that in a couple of weeks. Yes, it is.

• 15:20Speaker 02

  So, okay. So part of the doctor's visits that I have and like why it's so much is I'm on the weight loss medication as well as working out.

• 15:28Caleb Hammer?

  35 after the GLPs?

• 15:30Speaker 02

  Yeah. So that, okay. Hold on. So I started on these, on the shots, the injectables, lost a decent amount at first. The doctor was like, okay, you need to stay between this much of losing on the shots before, like, don't lose more than this because then if you do, then you won't actually keep it off. So I got super sick for a while because of the shots because she kept moving me up really fast. Changed to the tablets. Now, because when you, I was up at like level three of the injectables, the tablets that you have to start back at one. So now it's like paused, but the tablets supposedly you lose more weight long-term with than the shots.

• 16:09Caleb Hammer?

  Why not just diet?

• 16:11Speaker 02

  Uh, because I actually don't eat that much.

• 16:14Caleb Hammer?

  Uh, no, shut the up. Shut the up.

• 16:18Speaker 03

  You know, he's going to look at the finances and say, we're eating a lot of fast food.

• 16:22Speaker 02

  Okay, but.

• 16:23Caleb Hammer?

  Unless you have the most rare, rare, rare, rare, rare, rare of which something what it is. Yeah, don't. Girl, you just eat 300, 300 pounds, five foot two.

• 16:32Speaker 02

  No.

• 16:33Caleb Hammer?

  300 pounds, five foot two. Yes, you're 280 now.

• 16:36Speaker 02

  That I eat all the time.

• 16:37Caleb Hammer?

  You have to be eating minimum 3,500 calories daily. There's no way mathematically this does not work. Biology does not work.

• 16:44Speaker 02

  Maybe whenever I was in college, I was eating more, but also I was on birth control, which really does give a lot of extra.

• 16:50Caleb Hammer?

  Okay. Um, everyone when I've been with has on birth control. Just saying, because I won't be with them without it sexually.

• 16:59Speaker 02

  Well, yeah, that was him too, for a while.

• 17:01Caleb Hammer?

  Sexually, just sexually. I mean, I'm ready to have a kid.

• 17:04Speaker 03

  Right. Yeah, no, no shame in that. I don't mind that. I think it's probably just a lack of activity in her life.

• 17:11Caleb Hammer?

  Yeah, you're sanitary. I mean, you tried to make the excuse that your doctor told you to not work out more than fifty.

• 17:17Speaker 02

  Yeah, I did. Yeah, it's true. He did.

• 17:19Caleb Hammer?

  Bullshit. He's on the same exact shot as you, Brandon, and he said that's a complete lie.

• 17:23Speaker 02

  I'm not on the shot anymore, though.

• 17:25Caleb Hammer?

  And he told you to still only, you can't work out more than fifty minutes a week?

• 17:28Speaker 02

  Yeah, which I thought was weird too, but I don't listen to that. I think it's stupid to only do that.

• 17:32Caleb Hammer?

  Is your doctor class four obese?

• 17:35Speaker 02

  No, she wanted me to actually just do the surgery and get that. And I was like, I'm not gonna do a surgery when I can do something else first.

• 17:43Caleb Hammer?

  But unless you like make progress before.

• 17:45Speaker 02

  I've heard too many horror stories about doing the surgery first, or in general.

• 17:50Caleb Hammer?

  Okay, okay, okay. So.

• 17:51Speaker 02

  So instead, I'd rather do the tablets or shots or whatever to help support it and continue to work out.

• 17:58Caleb Hammer?

  Actually, diet. Maybe you don't eat a lot, but what you're eating is incredibly unhealthy. You know, I wouldn't be full all day after two slices of cheesecake from Cheesecake Factory, but that would be my entire caloric amount for the day. So it's also the.

• 18:09Speaker 02

  I don't need that.

• 18:11Caleb Hammer?

  That wasn't the point I was making you. It's clearly the kind, what is she eating? You're there-ish, kind of. You actually work. Chicken nuggets are fried!

• 18:22Speaker 02

  Uh, no, well, no.

• 18:24Caleb Hammer?

  A chicken nugget's not fried? What are you talking about?

• 18:26Speaker 02

  They're protein nuggets for one. They're the real good chicken nuggets for one.

• 18:29Caleb Hammer?

  What, are they fried?

• 18:30Speaker 02

  They're in the air fryer with no spray or anything. It's so they're like baked.

• 18:34Caleb Hammer?

  Breading!

• 18:36Speaker 03

  I'm pretty sure they're pre-cooked, that you just heat up or something like that.

• 18:39Caleb Hammer?

  All nuggets are protein nuggets. It's the same amount of chicken!

• 18:42Speaker 02

  They're the real good ones, so they're like the twenty, yeah, that's cool. They're the twenty grams of protein ones, so.

• 18:50Caleb Hammer?

  They're a little bigger chicken.

• 18:51Speaker 02

  If you compare, no, it's, they put protein in the breading or something, because if you compare them to them, they're not the same.

• 18:58Caleb Hammer?

  Woman! You're eating fried.

• 19:00Speaker 02

  They're not fried, they're baked.

• 19:02Caleb Hammer?

  They're air fried, but it's still the breading and everything, it's still the breading, they are not healthy.

• 19:07Speaker 02

  Okay, and what he also didn't say-

• 19:09Caleb Hammer?

  You only eat, she only eats nuggets?

• 19:10Speaker 02

  No.

• 19:11Caleb Hammer?

  This is supposed to be a fast conversation, but if you're, that's the only way he's not marrying you.

• 19:15Speaker 02

  That's one of them.

• 19:16Speaker 03

  So with the change of my job, she's been cooking more better meals for dinner, like, uh, this week, for example, we've had sloppy joes and spaghetti.

• 19:24Caleb Hammer?

  It's not healthy.

• 19:25Speaker 03

  I would say spaghetti is pretty healthy.

• 19:27Caleb Hammer?

  Spaghetti?

• 19:27Speaker 03

  Spaghetti, yes. Okay, spaghetti, spaghetti.

• 19:30Caleb Hammer?

  It's just carbs.

• 19:32Speaker 03

  Meats.

• 19:33Speaker 02

  Okay, what did we have with the spaghetti? And what did I primarily eat compared to the spaghetti? Huh?

• 19:38Caleb Hammer?

  Also, what's she eating when you're not there?

• 19:40Speaker 02

  No, I don't eat, actually.

• 19:42Caleb Hammer?

  That's impossible! It's impossible! Is there something I do not know?

• 19:50Speaker 02

  Again, I-

• 19:51Caleb Hammer?

  What's the brand of chicken nuggets you're eating?

• 19:52Speaker 02

  Real good. That's literally the name of them. They're at ATB, my favorite place.

• 19:58Speaker 03

  Orange and green bag.

• 19:59Caleb Hammer?

  I know it is!

• 20:00Speaker 03

  White bag.

• 20:00Speaker 02

  Well, for groceries at least. They're orange and white.

• 20:04Speaker 03

  Yeah, that's what I said. I corrected myself.

• 20:06Speaker 02

  Oh.

• 20:07Caleb Hammer?

  Okay. And how many do you eat?

• 20:10Speaker 02

  Uh, I think it's-

• 20:11Caleb Hammer?

  How many does she eat? I don't trust her.

• 20:13Speaker 03

  Uh, she eats that for lunches when I'm at work, so I can tell you.

• 20:16Caleb Hammer?

  Ah, f***ing, you're not gonna tell us.

• 20:17Speaker 02

  It's six.

• 20:18Caleb Hammer?

  No, you do, you do not just eat just six!

• 20:21Speaker 02

  Well, I do a salad with tomato, cucumber-

• 20:24Caleb Hammer?

  Have you seen a fat people salad?

• 20:26Speaker 02

  Okay.

• 20:26Caleb Hammer?

  What dressing you put in all that shit?

• 20:28Speaker 02

  I make my own ranch.

• 20:29Speaker 03

  Oh.

• 20:30Speaker 02

  Light mayo and, uh, mutopia milk, so I can get protein in there as well.

• 20:36Speaker 03

  I think her salads are pretty good. I don't really eat them, I don't eat salads, but, uh, they look pretty good for me, I'd say, health-wise at least.

• 20:43Caleb Hammer?

  How many nugs are in each container?

• 20:45Speaker 02

  In each container? What do you mean?

• 20:47Caleb Hammer?

  Bag, bag, bag.

• 20:47Speaker 03

  In a bag.

• 20:48Caleb Hammer?

  Bag, bag.

• 20:48Speaker 02

  Uh, I have no idea.

• 20:50Caleb Hammer?

  Visualize it.

• 20:51Speaker 02

  I don't know, I mean, I usually eat six per time I make it, and I think I get like five or six servings out of it.

• 20:58Caleb Hammer?

  That's not possible, she is not only eating a hundred and eighty calories for lunch. That is impossible. That is im- that's mathematically impossible.

• 21:05Speaker 02

  I told you, I've changed how I, how I've been eating a lot.

• 21:08Caleb Hammer?

  You sound like every guest in my six hundred pound life. You really do. They all, I'm dining, I'm doing, I'm doing, and then they don't lose weight, this is-

• 21:18Caleb Hammer?

  Okay, so that's one of your rules. Sounds like that rule is not gonna be met.

• 21:22Speaker 02

  Hmm, it sounds like it will be cuz I'm getting tired of the way that I look and I've told him that I don't want him to propose and I don't wanna do get married.

• 21:29Caleb Hammer?

  You probably have a food addiction of some kind, right? Like I do too. I mean, I get it.

• 21:32Speaker 02

  I, yeah, I used to. Whenever I get really depressed. Okay, so when I get really depressed, then I will.

• 21:38Caleb Hammer?

  But usually it's spiraling, like cuz then you're fat, so you're depressed.

• 21:41Speaker 02

  What I do is I tend to like not eat a single thing for about seven days and then I'll binge for like three is what I used to do.

• 21:52Caleb Hammer?

  Used to do?

• 21:54Speaker 02

  Yeah. So used to do because with the beginning of this year and getting on his insurance, I started taking care of like.

• 22:01Caleb Hammer?

  No, I'm fat. I'm fat. I get it. But guess what? It's cuz I calorically eat more than I burn on a daily basis and I'll admit it. You can too.

• 22:13Speaker 02

  I used to, not anymore.

• 22:16Speaker 03

  I'd say for the last month or two when she's been on the medicine, I noticed at least she never finishes.

• 22:21Caleb Hammer?

  She's off. She's off the medicine.

• 22:23Speaker 02

  I'm not off the medicine.

• 22:25Caleb Hammer?

  Well, it's.

• 22:25Speaker 02

  I'm on the tablet.

• 22:27Speaker 03

  Tablet, not the shot. It's supposed to be the same. I don't know.

• 22:30Speaker 02

  Because when I was on the shot, I was like physically sick for days and I lost 10 pounds in less than two and a half weeks, I think. And the doctor was.

• 22:41Caleb Hammer?

  For your size, that's.

• 22:42Speaker 02

  She was like, that's not good. You can't be doing that. There's a lot. Okay, so I'm trying to get a new doctor in general cuz I don't like this doctor.

• 22:49Caleb Hammer?

  No, she's.

• 22:51Speaker 02

  Yeah, there's a lot wrong. But yeah, but no, in terms of like depression and stuff, I recently was going to like a psychiatrist.

• 23:02Caleb Hammer?

  That's good. Keep doing that.

• 23:03Speaker 02

  And getting it fixed.

• 23:04Caleb Hammer?

  So again, according to your criteria, you'll never marry her. One, she doesn't have a job to pay off her debt. Two, and she won't. She has to work for a government and remote. I don't wanna get up.

• 23:16Caleb Hammer?

  She makes her own ranch dressing and that shit is like literally heart attack. Ranch dressing in general, like that's a buddy. Drowning in student loans with massive interest rates? I see it on the show all the time. People get a loan to advance their careers only to be left with sky high interest rates and crazy minimums that leave their paycheck gutted. Maybe you've already gone to a normal lender to try to refinance your private student loans and they looked at your less than perfect credit score and hung up the phone. Maybe a part of you even thought, yeah, that tracks. I guess I'm stuck. Stop it. You don't deserve to be buried in a high interest loan for the rest of your life because you hit a rough patch. The banks aren't rejecting you because you're a lost cause. They're rejecting you because you're not profitable enough for them at a manageable rate. That's where Yrefi comes in.

• 23:59Caleb Hammer?

  Yrefi works specifically with borrowers who can't get refinancing through traditional lenders. It's their whole thing. They refinance private student loans so you're only paying interest between 0.1% and 5.99% and they legally cannot charge you more than that. They'll even customize your payments to get you out of debt at a pace that works for you. And if you need a co-borrower released from your loan, they've got a program for that too. Plus their team is in Phoenix, Arizona. So when you call them, you talk to a real person. It only takes three minutes to check your rates and it doesn't impact your credit score. If you've been told no a million times, try Yrefi. Head to yrefy.com/hammer. That is Y R E F Y dot com slash hammer or call 888-Y-REFI-78. That is 888-Y-REFI-78. Break free from the high interest trap and get your finances under control once and for all.

• 24:43Caleb Hammer?

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• 25:26Caleb Hammer?

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• 26:09Caleb Hammer?

  Like, yeah, you think you might be eating things because there's a green in it. But when you're slathering your buckets of your own range dressing on it, you're killed.

• 26:16Speaker 02

  I don't slather it.

• 26:17Caleb Hammer?

  Oh, shut the up.

• 26:19Speaker 02

  You can think that I do all the time. You're not at my house watching what I eat.

• 26:22Caleb Hammer?

  Those things.

• 26:24Speaker 03

  Yeah.

• 26:24Caleb Hammer?

  Now what?

• 26:25Speaker 03

  I don't know. I guess I have no spine and I think she's banking on me.

• 26:28Caleb Hammer?

  Yeah, she broke it.

• 26:30Speaker 03

  That's crazy. Yes, I guess so. But I think she's probably banking on me going back on my, on my agreements here as I've done with the other things.

• 26:38Caleb Hammer?

  Is that true?

• 26:39Speaker 02

  No, he thinks it is, but I mean, I've also gone back on a lot of stuff that I've done too.

• 26:44Caleb Hammer?

  This is a crazy note. They both admitted to Lindsay that neither of them are each other's type. Isn't that your type either?

• 26:52Speaker 02

  Not originally.

• 26:53Caleb Hammer?

  You're not her type. Her, she's not your type.

• 26:55Speaker 03

  No, I'm too egotistical for her. She doesn't like that.

• 26:59Caleb Hammer?

  Well, you have a huge chin.

• 27:00Speaker 02

  Skinny for me.

• 27:02Caleb Hammer?

  What size are you looking for?

• 27:03Speaker 02

  Um, oh, I don't know the name of him.

• 27:05Speaker 03

  A lean 240.

• 27:07Caleb Hammer?

  Name?

• 27:08Speaker 02

  That's funny. No.

• 27:09Speaker 03

  240.

• 27:10Speaker 02

  No, there's like someone who probably like 170, 180.

• 27:17Caleb Hammer?

  I don't, okay. With what height? I mean, I guess it is.

• 27:19Speaker 02

  I mean, his height's fine. I don't care about that. He's, that's fine.

• 27:22Caleb Hammer?

  So you're too egotistical? Okay, this is crazy. So why are you guys getting married? I don't like, okay, yes, I know emotional trauma. I mean, that's the primary thing. But if we're not even physically checking through each other, what are we gonna do? What? Like what?

• 27:32Speaker 02

  I mean, I'm attracted to him now, not at first, but I had to learn to love him.

• 27:37Caleb Hammer?

  And you?

• 27:39Speaker 03

  It's a process. I, I'm working through it with her.

• 27:43Speaker 02

  Yeah.

• 27:43Speaker 03

  I, I see the, the small improvements she makes and it, it's just like something that I try and stay motivated on with her about.

• 27:51Caleb Hammer?

  Struggle?

• 27:53Speaker 02

  Never.

• 27:56Caleb Hammer?

  Good for you, friend.

• 27:57Speaker 03

  Thank you. I appreciate it.

• 27:58Caleb Hammer?

  Good for you, friend.

• 27:59Speaker 02

  His libido used to be really low, but I don't know what he's changed now that it's definitely not.

• 28:04Speaker 03

  Just built different, I guess. I don't know.

• 28:08Speaker 02

  Yeah.

• 28:10Caleb Hammer?

  Are you still going to the doctor every week? Cause I don't know.

• 28:12Speaker 02

  It's not every week. I think what he's thinking of is it's therapies every week. Personal therapies every week.

• 28:17Speaker 03

  No, no, no, no, no. That was while she was working, it was every week. And now that she's done with it, now it's

• 28:23Speaker 02

  The doctor every week was like, my glasses, um, uh, ba ba ba.

• 28:27Caleb Hammer?

  That's not every week for five months, though.

• 28:29Speaker 02

  It wasn't. No, he's not good with time at all and understanding how that works.

• 28:34Speaker 03

  Clearly, there's some validity in what I said, because she doesn't have a job anymore.

• 28:39Caleb Hammer?

  True.

• 28:40Speaker 02

  Wow.

• 28:41Caleb Hammer?

  That is fair.

• 28:41Speaker 02

  Wow. Cool.

• 28:43Caleb Hammer?

  I'm sorry. That's not unfair. You got fired. The fuck are you? A little freak? Okay, so what is going on now? What is going on now? What the fuck is going on? Well, I know he won't marry you.

• 28:57Speaker 02

  Yeah.

• 28:58Caleb Hammer?

  And that is very important.

• 28:59Speaker 02

  Yeah.

• 29:00Caleb Hammer?

  I forgot how this conversation even started. There's a reason I asked if you guys were married.

• 29:04Speaker 03

  Cause we combined finances, I think.

• 29:06Caleb Hammer?

  Fucking swallow your shit before you talk in a podcast.

• 29:09Speaker 02

  We don't combine finances. He doesn't want to, which I agree with, but, uh, he doesn't want to combine finances until we're married. But I do live with him and he does not make me pay anything. When I had a job, I only had to pay $300.

• 29:20Caleb Hammer?

  Oh, well, the reality is, no, I remember. It's because he works 4,400 in Austin. It's on the that lower end. How the fuck are we supporting the household? How are we even able to make things? How, how are we even able to keep even now? This is the longest chew session I've ever witnessed.

• 29:37Speaker 02

  Um.

• 29:38Caleb Hammer?

  Take a drink.

• 29:40Speaker 02

  Even because I had money saved up from my job that I've been using to pay my bills and which aren't too bad.

• 29:47Caleb Hammer?

  For how long? You've been out for a couple of months, though.

• 29:50Speaker 02

  I had like

• 29:50Speaker 03

  Her finances don't play a part in any of the way of us staying alive.

• 29:55Caleb Hammer?

  How were you able to keep us alive, then? Y'all alive?

• 29:58Speaker 02

  His credit card is what I use to pay my gas. Uh, medicine and co-pays right now?

• 30:05Speaker 03

  As for finances, I'd say I'm pretty good with money. And so that's why we're ahead on things currently. It's break even, but if she's not able to support herself, then we're going to be in the negative when I have to pay her bills.

• 30:16Speaker 02

  And I'm now at the point where I can't, like this month, I have to ask for him to help me with like 60 bucks because I can't afford the rest.

• 30:22Caleb Hammer?

  Okay. Well, the $300 that you're supposed to give him, you were let go in March, which you haven't paid him since January.

• 30:27Speaker 02

  Yeah.

• 30:27Caleb Hammer?

  So what the are you talking about? Not helping, not contributing, never contributed, even when you had a job.

• 30:32Speaker 02

  I did last year.

• 30:32Caleb Hammer?

  It's not last year, last year, you got laid off in March, you weren't even contributing since before January.

• 30:37Speaker 02

  Yeah, because we had a trip in January that I was trying to recover from as well.

• 30:41Caleb Hammer?

  Recover from, why would you go on a trip if you can't give him the money you're supposed to give him? Well, that doesn't make any sense.

• 30:46Speaker 02

  Oh, okay. So I, oh, um, last October, I think I let a friend borrow $600 from me that was in my savings that was meant to.

• 30:56Caleb Hammer?

  Why would you do this?

• 30:58Speaker 02

  Because I have no backbone when it comes to my friends. And then in December, I had another friend come and hang out with us and she ended up not paying me back for things. And owed me money as well. So those, I was banking on them paying me back when they said they would. Um, and they never did. Well, they didn't pay me back in time.

• 31:20Caleb Hammer?

  You guys have been together forever. We're going on six years since. When you rescued her from the Puget Sound, has she been like this for the last six years?

• 31:28Speaker 03

  Pretty much, yeah. I kind of stopped paying attention to her finances.

• 31:31Caleb Hammer?

  Why would you stay together if we're not?

• 31:34Speaker 04

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• 31:59Caleb Hammer?

  Well, then to get married, we're six years in.

• 32:01Speaker 02

  Because I was in college.

• 32:04Speaker 02

  I paid my own bills in college. He didn't have to pay anything. I didn't, well, I lived with him for one year.

• 32:09Caleb Hammer?

  Okay.

• 32:09Speaker 02

  But otherwise, I've lived on my own. Um, that one year, I asked him if he needed, wanted me to pay for things and he said no.

• 32:17Caleb Hammer?

  Broke up while you were in college for a bit.

• 32:18Speaker 02

  We did, yes.

• 32:19Caleb Hammer?

  Why'd you get back?

• 32:20Speaker 02

  Why did you get back?

• 32:21Caleb Hammer?

  You're kind of the villain in this story, lady.

• 32:23Speaker 02

  I know, I am right now.

• 32:24Caleb Hammer?

  You're leeching off of him, you won't get a job, you are requiring a government remote job, which I don't even think they really do much anymore, anyway.

• 32:29Speaker 02

  They actually do.

• 32:30Caleb Hammer?

  A little, but I think-

• 32:32Speaker 02

  There's a lot, actually. And it's not remote right off the bat.

• 32:34Caleb Hammer?

  It's a lot, then you would give it.

• 32:36Speaker 02

  It's a thing of like, you have to, government jobs take a while to get. You do realize that, right?

• 32:42Caleb Hammer?

  How far into the interview processes are you?

• 32:44Speaker 02

  It takes up to three months before you even find out if you get an interview, sometimes.

• 32:48Caleb Hammer?

  For everyone, for everything?

• 32:50Speaker 02

  Not for everyone, but for people who are in the government already, it's a lot faster, but the ones who are public on the outside, it takes a while.

• 32:56Caleb Hammer?

  Go work in the private sector!

• 32:58Speaker 02

  What's that?

• 32:59Caleb Hammer?

  A non-government job?

• 33:02Speaker 02

  Oh, well, yeah. I mean, I was doing that.

• 33:04Caleb Hammer?

  Yes, do it again. If our entire excuse is, we might not even know if we get an interview for three months, then we're not applying to those jobs now. That's not the jobs we're-

• 33:17Speaker 02

  I have like-

• 33:17Caleb Hammer?

  I'm saying you shouldn't.

• 33:19Speaker 02

  Oh, no, no, like, on Indeed, I have quite a few that I've applied for. Oh, okay. Well, I mean, actually-

• 33:25Caleb Hammer?

  Oh, here it comes. Actually, what?

• 33:28Speaker 02

  Uh, I don't know how to do, I've actually wanted to try to find the other ones that I've, like, past ones I've done.

• 33:34Caleb Hammer?

  Oh, yeah.

• 33:35Speaker 02

  And I don't know where to go to find them.

• 33:36Caleb Hammer?

  Oh, of course.

• 33:38Speaker 02

  So, I mean-

• 33:39Caleb Hammer?

  Oh, yeah. Mm-hmm.

• 33:41Speaker 02

  Stop.

• 33:42Caleb Hammer?

  Well, buh, buh, buh, buh.

• 33:44Speaker 02

  Uh, you know.

• 33:46Caleb Hammer?

  Bu, bu, bu.

• 33:47Speaker 02

  You can look, I don't care. I applied for two this week, alone.

• 33:50Caleb Hammer?

  Whoa, whoa, whoa!

• 33:52Speaker 02

  Not including-

• 33:53Caleb Hammer?

  It's the end of the week, it's the last day of the week, we're the, the, the final day of the week, and she applied for two! She applied for two! Okay.

• 34:01Speaker 03

  Progress, small steps.

• 34:03Caleb Hammer?

  No, it, oh, okay, so this is why she's just doing this forever, because you are an enabling freak.

• 34:09Speaker 03

  Yeah.

• 34:09Speaker 02

  Yeah, I don't know how you can tell.

• 34:11Speaker 03

  I can't, I can't really deny that, unfortunately. I probably am an enabler.

• 34:15Caleb Hammer?

  Yeah, of course.

• 34:15Speaker 03

  I mean, she's got my credit card on me, so I can't, I can't say no about that.

• 34:18Caleb Hammer?

  Someone that you're attracted to. Um, like what? I feel like she's the one that's like, would be more desperate to stay. She leeches off of you. You're financially sound. You're more her type than she is yours. What, what is your?

• 34:34Speaker 03

  I like her personality quite a bit.

• 34:36Caleb Hammer?

  Sure, we can find a lot of personality out there.

• 34:38Speaker 03

  I'm trying to make sure that, um, I, I put forth the best effort I can in a relationship.

• 34:43Caleb Hammer?

  I have nine applications on Indeed.

• 34:48Speaker 02

  Hmm, it should be more than that.

• 34:50Caleb Hammer?

  Um, um, no, nine.

• 34:53Speaker 02

  There's also government ones that you can't see and then there's one.

• 34:56Caleb Hammer?

  Yeah, I don't give a about those. It takes three months to get an interview.

• 34:59Speaker 02

  There's ones on TWC.

• 35:00Caleb Hammer?

  Okay, this is private sector. You're applying for government ones off the.

• 35:03Speaker 02

  TWC is not private sector.

• 35:04Caleb Hammer?

  I said you're applying for nine in the private sector. The rest are for the government. The government.

• 35:09Speaker 02

  Well, those are the ones I'm doing on Indeed. Other ones, I went to UFCU on the website and did it. Did USAA. I did a lot of banks because I'm like, shit, banks will, do you get jobs? I could do bank teller.

• 35:19Caleb Hammer?

  Just apply, like that in Indeed like a normal person.

• 35:22Speaker 02

  No, because a lot of them aren't real.

• 35:23Caleb Hammer?

  Don't support her anymore. Don't support her anymore. She applied to nine jobs. She spent two months. She applied to nine jobs. The other, the other jobs that she's applying for require three months until you even know if you get an interview. Run from this. Run. Run.

• 35:40Speaker 03

  Gotta get my credit card back, I guess.

• 35:41Speaker 02

  Wow. That's some shit.

• 35:46Caleb Hammer?

  I don't think that's unfair. And you spent a thousand hours going out to eat.

• 35:50Speaker 02

  Yeah, because he doesn't want to do anything.

• 35:52Caleb Hammer?

  He makes 4,400 a month to sustain your ass and you did a thousand hours out to eat. I eat just a couple of protein nuggets every day. I eat salad.

• 36:02Speaker 02

  Now, I said that was different. Like I used to do that. Well, okay.

• 36:05Caleb Hammer?

  This is your most recent statement, you pathetic.

• 36:07Speaker 02

  That for one.

• 36:09Caleb Hammer?

  I used to, and then it's the most recent statement.

• 36:12Speaker 02

  So for him.

• 36:13Caleb Hammer?

  You told Colton, by the way, in the pre-interview screening, that you weren't even looking for a job.

• 36:17Speaker 02

  I never said that.

• 36:18Caleb Hammer?

  Yes, you did.

• 36:19Speaker 02

  No.

• 36:20Caleb Hammer?

  Yes, you did. You literally did. You can't say no. You literally said that.

• 36:26Speaker 02

  Maybe not that weak.

• 36:29Speaker 02

  Cause I've been helping move in.

• 36:30Caleb Hammer?

  Nine applications by the way in two months.

• 36:32Speaker 03

  I know. I bring up the conversation and she she shoots it down. She doesn't like having the conversation and so.

• 36:39Caleb Hammer?

  The herbivore salad eater thousand hours going out to eat last month.

• 36:46Speaker 02

  Cool.

• 36:46Speaker 03

  Yeah, but.

• 36:47Caleb Hammer?

  The four nuggets for an entire meal lady thousand hours going out to eat.

• 36:53Speaker 02

  Part of it's because whenever I was at work, Monday through Friday and he has.

• 36:57Caleb Hammer?

  That was no, we don't have those statements.

• 36:59Speaker 02

  Yeah, that was that was that month. Yeah.

• 37:01Caleb Hammer?

  Not all of them. Some.

• 37:03Speaker 02

  The ones before too.

• 37:04Caleb Hammer?

  Okay, here we go. Um, nope. This was the month after first one. So go yourself. Nope. Yes.

• 37:14Speaker 02

  That's April.

• 37:14Caleb Hammer?

  Yes, it bleeds into both.

• 37:17Speaker 02

  Okay, so March I was told March I did not keep back um much things and I have friends who have really expensive tastes. So that's one of the things I talked about. So we would do like things and then they would pay me back. The other thing too is when I was working, he does not like to pull things out of the deep freeze or something. He would forget to even though I'd ask him to because I yeah, I have a deep freeze.

• 37:43Caleb Hammer?

  Okay, don't don't get frozen food. Don't freeze food.

• 37:47Speaker 02

  Meat that I freeze.

• 37:49Caleb Hammer?

  Well, don't just go to she beats your favorite place in the world.

• 37:52Speaker 02

  Yeah, and after a work day, I don't want to go into a store, especially at a.

• 37:58Caleb Hammer?

  Do you want to do? You go, we go to even.

• 38:02Speaker 02

  That's fine. Why do I have to if he's been home all day playing video games?

• 38:05Caleb Hammer?

  Well, you're right. He should, but you should as well. But wait, he has a job. How's he home all day playing video games?

• 38:10Speaker 02

  Whenever so he used to do um like Thursday through Saturday and every other Wednesday. So.

• 38:17Caleb Hammer?

  Okay, so he's still working. I'm confused. You have days off, he has days off.

• 38:21Speaker 02

  Well, yeah, so like we had an agreement that he would cook once a week at least because I was working.

• 38:27Caleb Hammer?

  So we're talking one day, the six days, the other six days, then go to HEB.

• 38:31Speaker 02

  I would meal prep those days.

• 38:35Caleb Hammer?

  Meal prep thousand hours going out to eat.

• 38:38Speaker 02

  Well, I mean, he has a specific budget for us. And then when he'd be like, well, I don't want to pay anymore. No.

• 38:43Speaker 03

  No, it was one seventy five.

• 38:46Speaker 02

  Is it really a thousand?

• 38:47Caleb Hammer?

  Yes, woman.

• 38:49Speaker 03

  It's a lot of red. Yes, that's a thousand dollars.

• 38:50Speaker 02

  That is a lot of red. I did not.

• 38:52Speaker 03

  The budget was one seventy five.

• 38:56Speaker 02

  How is it a thousand?

• 38:57Caleb Hammer?

  Dude, the math isn't as simple as caloric math yet. You can't do either of them.

• 39:02Speaker 02

  What is it?

• 39:04Caleb Hammer?

  Actually, no, I'll tell you as we go through. You don't get to see now. Spoilers.

• 39:07Speaker 02

  Oh, cool. That's lovely.

• 39:09Caleb Hammer?

  Also, dude, working, you're unemployed. Let him play some video games here and there.

• 39:12Speaker 02

  Oh, I do now. I'm perfectly fine. I don't care. Eve, I mean, now that I haven't been working.

• 39:17Caleb Hammer?

  Why are you with her? Leave!

• 39:20Speaker 02

  Before he was-

• 39:21Caleb Hammer?

  I don't want to break you guys up, but like if she's like, what the?

• 39:24Speaker 02

  Before he would play you all the time. Oh, yeah, I am. Right now, and he's-

• 39:29Caleb Hammer?

  You're unemployed. You're not a trad wife.

• 39:32Speaker 02

  Trad wives don't work.

• 39:33Caleb Hammer?

  Yeah, because

• 39:36Caleb Hammer?

  because they choose to. Though I guess you did choose to because you're telling Colton you don't want to work, but, and you haven't applied for jobs, but-

• 39:44Speaker 02

  I haven't applied.

• 39:45Caleb Hammer?

  You're, you're indeed proved that to be the case. Shut the up.

• 39:48Speaker 02

  It's not just indeed that I apply on.

• 39:50Caleb Hammer?

  Indeed is the easiest place to apply. That's who you would apply to.

• 39:54Speaker 02

  Scam.

• 39:55Caleb Hammer?

  It's not a scam, but I understand what you're talking about some ghost jobs.

• 39:58Speaker 02

  There's a lot of those.

• 39:58Caleb Hammer?

  Which by the way was much more of a thing two years ago than it is today.

• 40:02Speaker 02

  No, it's again the same. Maybe you should update yourself.

• 40:05Caleb Hammer?

  Expert of indeed. Brother, retract this woman. You can play some video games. You can get someone with a personality. They're easy to find.

• 40:15Speaker 02

  I have a personality. I have quite a big personality.

• 40:18Speaker 03

  Sometimes multiple.

• 40:19Caleb Hammer?

  And you can find someone without lymphedema.

• 40:21Speaker 03

  I'm not gonna lie. I don't know what that is. I'm not an idiot, but I don't know what that is.

• 40:24Caleb Hammer?

  It's the growth growing on her leg.

• 40:26Speaker 02

  Yeah, that's not a thing on me at all.

• 40:28Caleb Hammer?

  It will be.

• 40:29Speaker 02

  No, it won't. Never.

• 40:31Caleb Hammer?

  You can do so much, buddy.

• 40:33Speaker 02

  He also has quite a bit with me. Like, we've built a relationship together.

• 40:39Caleb Hammer?

  I know.

• 40:41Speaker 02

  So why would he need to go anywhere else?

• 40:43Caleb Hammer?

  Because you're a leech and you're a liar. And lazy.

• 40:48Speaker 02

  Am I a liar? Because you looked at one app that only tracks a little bit of what I actually do.

• 40:52Caleb Hammer?

  Yes, and because you taking back what you told Colton earlier. And also, for what it's worth, you told Lindsay you worked full-time separately. He told Lindsay you worked part-time.

• 41:00Speaker 02

  I worked thirty-five to forty hours.

• 41:02Caleb Hammer?

  Why'd you tell Lindsay she worked part-time?

• 41:04Speaker 03

  Cause um, a lot of the time, she was not working full days. So, and I'm pretty sure they were like six-

• 41:09Speaker 02

  What is your full days? Because I was eight to five.

• 41:12Caleb Hammer?

  About his full days, liar. If you weren't working-

• 41:14Speaker 02

  No, I'm talking about mine. I worked eight to five. And then, no, I worked nine to five. And then it changed eight to five. And sometimes I'd just stay till six PM. And I drove an hour one way to job.

• 41:24Speaker 03

  We had a conversation where you said that your big boss didn't like you being full-time and you weren't allowed to work full-time hours. And I think you said you had to work thirty-two hours or less, or you keep getting in trouble with your boss.

• 41:36Speaker 02

  No, that was because I was taking, um, you were required to take exactly one hour lunch, and I wouldn't because there would be work to do, so I would take less.

• 41:46Caleb Hammer?

  But you were required to.

• 41:48Speaker 02

  Yeah, and they're also required to have you at a specific time of arriving and why the person I was with arrived late and hours every day.

• 41:56Caleb Hammer?

  I can't blame you.

• 41:57Speaker 02

  I started, whenever he got on to me for not taking a full hour, I started doing exactly a full hour.

• 42:02Caleb Hammer?

  You're not cooking, you make him clean.

• 42:04Speaker 02

  I do cook.

• 42:05Caleb Hammer?

  You make him clean, how can you call yourself a tradewind?

• 42:07Speaker 02

  I cook, I clean. There are very little things-

• 42:11Speaker 03

  Uh, fairness, she's tired sometimes, so she feels like-

• 42:14Caleb Hammer?

  Being unemployed?

• 42:16Speaker 03

  Hey, I don't, I don't know.

• 42:17Caleb Hammer?

  It's exhausting.

• 42:18Speaker 03

  Sometimes, maybe. Taking care of some dogs can be exhausting.

• 42:21Caleb Hammer?

  Nine Indeed applicants in two months, that is quite a fucking winded activity.

• 42:26Speaker 03

  News to me. I, I was expecting more.

• 42:29Caleb Hammer?

  So why is she exhausted and you having to clean after you pay the bills?

• 42:32Speaker 03

  I, I couldn't tell you on that one, I don't know. Uh-

• 42:35Caleb Hammer?

  But you're a little cuck, so you don't give a, you're gonna stay regardless.

• 42:38Speaker 03

  Apparently, yeah, that's, that's my name. Yeah.

• 42:41Caleb Hammer?

  That's pathetic, dude.

• 42:42Speaker 03

  Todd the cuck.

• 42:43Caleb Hammer?

  I guess so. She actually enjoys it too, because she knows that she can do anything, you can do anything.

• 42:48Speaker 02

  No, not true, at all.

• 42:51Caleb Hammer?

  What?

• 42:52Speaker 02

  No, there's quite a bit that I have in like rules.

• 42:55Caleb Hammer?

  Also, a thousand hours going out to eat in a month is not cooking.

• 42:57Speaker 02

  No, not that time. No, not whenever I was working.

• 42:59Caleb Hammer?

  Oh, not the time that is our most recent statements.

• 43:03Speaker 02

  Well, I mean-

• 43:03Caleb Hammer?

  Not all of it was when you were working, by the way. Some of it bleeds into the month after you got laid off. After, not laid off, fired. I should clarify, because you were bad at your job.

• 43:14Speaker 02

  I wasn't bad at my job at all.

• 43:15Caleb Hammer?

  Okay, well, you got fired.

• 43:16Speaker 02

  Yeah, the company is also going under, and there was a lot of behind the scenes-

• 43:21Caleb Hammer?

  Oh, shut up. I don't care. Blah, blah, blah. The company that fired me, I'm salty about. Every former employee ever. He told Lindsay he worked part-time. He said full-time. He told Colton you weren't looking for a job, and then the applications were nine. So it's like, what the do I believe? Yes, you're a liar.

• 43:36Speaker 02

  Cool.

• 43:36Caleb Hammer?

  I'll close that loop.

• 43:38Speaker 02

  I don't think I am. Great to just say that's fine.

• 43:40Caleb Hammer?

  Oh, she doesn't think she is. Very good. Okay, that's wonderful. I mean, we just laid out a relatively decent amount of proof, but-

• 43:46Speaker 02

  You just don't care to only look at one app of something instead of multiple, because you have to be right about everything.

• 43:54Caleb Hammer?

  What are you talking about, app?

• 43:55Speaker 02

  Yes, indeed, it's an app.

• 43:57Caleb Hammer?

  Oh, yeah, the app. Are the other ones apps?

• 44:00Speaker 02

  They're websites.

• 44:01Caleb Hammer?

  Can you pull up all your application history for me? And I'll believe you. I will allow you to provide evidence if you'd like to, but I already told you, you shouldn't be doing government jobs anyway if you have to wait three months just for an interview, because you need to go make money now!

• 44:14Speaker 02

  I understand, and I-

• 44:16Caleb Hammer?

  You understand, yeah, you do nothing.

• 44:18Speaker 02

  I'm not making enough, but I am-

• 44:19Caleb Hammer?

  How much do you make from this cleaning?

• 44:21Speaker 02

  Uh, eighty a week, so however much that is.

• 44:24Caleb Hammer?

  She's really making a dent in that thousand hours a month going out to eat.

• 44:28Speaker 02

  Yeah, that's fair.

• 44:29Caleb Hammer?

  You have email confirmations, right, of applying to these jobs? You could search job application, something like that?

• 44:36Speaker 02

  Um-

• 44:37Caleb Hammer?

  I think the reality in the end, let's just be talking, not that you are a housewife, it's not a housewife, it's not trad wife, the reality is you're just a gold digger.

• 44:44Speaker 02

  I don't think I am, but, cool.

• 44:47Caleb Hammer?

  Any evidence to suggest otherwise?

• 44:50Speaker 02

  I take care of the house, I take-

• 44:52Caleb Hammer?

  Brother, you make him clean after he works a hard day. And she said, it's because, he just said, yes, you do, because you're exhausted sometimes. Exhausted from sitting.

• 45:00Speaker 02

  The only cleaning that he has to do is vacuum the house. That's it.

• 45:03Caleb Hammer?

  Why does he have to vacuum the house? You should. You do nothing.

• 45:06Speaker 02

  Because there should be expectation that he does at least something, because-

• 45:10Caleb Hammer?

  Why? I thought you were a trad wife.

• 45:11Speaker 02

  Whenever we have kids, they, they're jobbing themselves, and even trad-

• 45:15Caleb Hammer?

  I relatively agree, but if you say you are the trad, if you want the true traditional trad, it is you cook, you clean, you take care of kids, he brings home bacon. That's it, girl.

• 45:24Speaker 02

  Then maybe he should actually bring home bacon and not want to just-

• 45:27Caleb Hammer?

  You're unemployed!

• 45:32Caleb Hammer?

  Run! She will not catch you. Run!

• 45:36Speaker 02

  Ah, oh, wow.

• 45:37Speaker 03

  Damn, that's crazy.

• 45:39Caleb Hammer?

  Is it?

• 45:40Speaker 03

  Yeah, I don't know. I, I mean, yeah, it's, it's crazy.

• 45:44Caleb Hammer?

  Doctor says she can't work out for more than fifty, fifty minutes a week.

• 45:47Speaker 02

  Listen to that, I do more.

• 45:51Caleb Hammer?

  You can't even vacuum.

• 45:53Speaker 02

  I can. I choose not to. Actually, I have.

• 45:56Caleb Hammer?

  You found an amazing trad partner.

• 45:58Speaker 02

  I have. I've been doing the yard work, cause he usually bans me from doing the yard work, and I do it now to be nice for him, and then, uh...

• 46:08Caleb Hammer?

  What yard work?

• 46:09Speaker 02

  Like mowing and weed eating and that type of stuff.

• 46:12Caleb Hammer?

  How much lawn is there?

• 46:13Speaker 03

  It's a normal house. Not, not a, not a big lawn at all.

• 46:17Caleb Hammer?

  Okay.

• 46:18Speaker 02

  Which is fine, it's just he doesn't want me doing it, which I don't understand why, but I'm perfectly fine with doing it.

• 46:24Caleb Hammer?

  I don't understand why you can't just go get a temporary job while you're applying for the jobs that you'd prefer to have. I, I really don't understand.

• 46:30Speaker 02

  Temporary job. It's just, we've had the conversation, and I thought we agreed, but apparently not after having another conversation with him, is I don't want to go get a job in like, fast food, or...

• 46:42Caleb Hammer?

  But why does what you want matter? You need, the house needs more money, and you have bad debt that you need to pay off for him to consider that one of your two items before you get married.

• 46:51Speaker 02

  The only bad debt I have is my car, and even then, I've been told by multiple people...

• 46:54Caleb Hammer?

  There is a lot of paperwork here, so there is more than just a car that we're about to look at in general.

• 47:00Speaker 02

  There shouldn't be, it should just be school loans, student loans, my car.

• 47:03Caleb Hammer?

  We'll see.

• 47:04Speaker 02

  And then what I owe family.

• 47:06Caleb Hammer?

  The fact is, in this relationship, you guys have already broken up in the past, and you literally get furious mad when he asks you to work out.

• 47:11Speaker 02

  I don't get furious mad when he asks me to work out.

• 47:14Caleb Hammer?

  She says that he gets mad. You said it! He gets mad when he asks you to work out with him, with him, and you say no.

• 47:21Speaker 02

  Oh, because I think he's ridiculous in how he works out, and he's not...

• 47:25Caleb Hammer?

  Oh, sorry, he gets mad. He gets mad when he asks you to work out with him and you say no.

• 47:29Speaker 03

  That's an interpretation. I wouldn't say I get angry at her.

• 47:32Caleb Hammer?

  I think you actually should, though. Not like, I'm not saying I'm abusive, but I think it's okay to be upset that you're morbidly, morbidly, morbidly, morbidly, morbidly...

• 47:42Caleb Hammer?

  Yeah, I think I hit class four obese girlfriend that you want to be your wife that you want to live past 50 not controversial on that. By the way, I would love you to live a long life. That's honestly why I really dive into obesity is because it's a financial harm and it's a uh energy harm for income and.

• 47:58Speaker 02

  My family all live into their 80s and more.

• 48:00Caleb Hammer?

  Oh my goodness, were they as fat as her?

• 48:04Speaker 03

  No.

• 48:05Caleb Hammer?

  I just launched the brand new Hammer Elite app available on every major platform. You'll get three exclusive dedicated shows every single day, Monday through Saturday. And to celebrate the app launch, I'm offering 30% off the annual plan in the month of June only. Plus, I have an exclusive offer just for you, but it's limited to the first 1,000 people to purchase. For a one-time payment of $500, you'll get our entire Hammer Elite catalog for life. And a limited edition Hammer for Life box packed with limited edition merch you can't get anywhere else. Plus, you'll get access to our exclusive four-hour Hammer Elite Day livestream on June 27th. Download the Hammer Elite app by using the link in the description or pin comment below.

• 48:48Caleb Hammer?

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

• 49:31Caleb Hammer?

  No private equity, no gimmicks, just the best budgeting app there is. Download it now, start the free trial, dollarwise.com, link in the description below. Yeah, no one is. So the thing is.

• 49:42Speaker 02

  Eh, it's not true, but okay.

• 49:44Caleb Hammer?

  No one that makes it that long.

• 49:48Caleb Hammer?

  It would be reasonable for you to be upset that she doesn't work out with you.

• 49:52Speaker 02

  I do now. A lot's changed. I do now.

• 49:55Caleb Hammer?

  Over the course of the last week?

• 49:57Speaker 02

  No.

• 49:57Caleb Hammer?

  Great. Since the interview where you said that? Like, what? Shut the [bleep] up.

• 50:01Speaker 02

  No, he still gets mad like if I don't want to work out with him because I do stuff around the house.

• 50:05Caleb Hammer?

  Since Wednesday when you said it. She's changed since Wednesday. It's Saturday.

• 50:11Speaker 02

  Well, still.

• 50:13Caleb Hammer?

  No! I'm not gonna give you the W for that. You won't even go work a [bleep] temp's job. Pathetic. Pathetic. Both of you, you're evil and you're a pussy.

• 50:27Speaker 03

  Can't really deny that unfortunately.

• 50:29Caleb Hammer?

  No shit, cuz you're a pussy.

• 50:31Speaker 03

  Yeah. Just take it from all angles.

• 50:35Caleb Hammer?

  Yeah.

• 50:36Speaker 02

  Really?

• 50:37Speaker 03

  Well, I'm letting this guy dog on me for letting you dog on me with my finances, so it's crazy. I can't really do much about that.

• 50:46Speaker 02

  Grow a backbone.

• 50:48Speaker 03

  Give me my credit card. We'll start with that, I guess.

• 50:51Speaker 02

  It's not on me physically right now, but sure.

• 50:54Caleb Hammer?

  Where is it?

• 50:55Speaker 02

  In my purse.

• 50:56Caleb Hammer?

  Go.

• 50:58Caleb Hammer?

  No, that'll take you like 10 years to get back.

• 51:00Speaker 02

  Ha, well, [bleep] you.

• 51:02Caleb Hammer?

  Honestly, it wasn't a joke. I don't want, I don't want to wait for you to have to go all the way over there and back.

• 51:07Speaker 02

  Sure.

• 51:09Caleb Hammer?

  Now, the weird thing is, and I don't know if I fully agree with this, in your relationship, before we just move on to the finances, about the weight thing, cuz that is a big part of this, cuz the marriage relies on him. I agree. You should be healthier. I wanna, I'm with you on that. I wanna cheer for your health. Cuz what's the point of sacrificing everything that's gonna be required to sacrifice if you're not gonna live to see it, right? So, okay, I get that. But, well, she says that you specifically consistently ask her what her weight is for the day, and her answer depends on if you're addicted to her or not for the rest of the day. I don't know if we should be like horrible to someone.

• 51:40Speaker 03

  Am I horrible for just asking for updates? I mean, we're six, we're six years into a, into a relationship and I'm asking, and I'm just asking what's going on.

• 51:49Caleb Hammer?

  You heard my question. That's not what I asked. How you treat her depends on the answer for the day.

• 51:55Speaker 03

  Okay, maybe if I get frustrated with her answer, I'll be a little quiet. I wouldn't say I'm-

• 51:59Speaker 02

  You're not quiet. You're an asshole to me.

• 52:01Caleb Hammer?

  What do you mean?

• 52:02Speaker 02

  Well, besides the fact that he does get quiet, it's he gets in attitude, anything that I try to do that I'm like, "Hey, do you wanna hang out together? Do you wanna play a video game and I paint or something?" Cuz that's what we each like to do. He's like, "I just don't wanna talk to you right now. Just go." Just leave me be, or I'll try to like cuddle up to him and ask for a kiss or something.

• 52:22Speaker 00

  New and exclusive holiday decor just launched online at the Home Depot. Check out the viral Grand Duchess collection with smart holiday lights you can control from your phone. Easily customize the twinkle across trees, wreaths, and garlands to match your holiday vibe. Create stunning light effects, then switch it up with the tap of your fingers. Even the man in red will be impressed. Shop the holiday decor you want, online only, at homedepot.com.

• 52:52Speaker 02

  Wow, thanks. Anyway.

• 52:53Caleb Hammer?

  Sorry, I can't.

• 52:55Speaker 02

  He, um, well, he prefers cuddles. Anyway, I'll try to do that and he's just like, he'd rather be with the dogs instead.

• 53:04Caleb Hammer?

  I'll shake your hand for that one.

• 53:05Speaker 02

  It's like no matter what, he'd prefer to be with the dogs and his games. I'm like, that should not be first. It should.

• 53:12Caleb Hammer?

  Wait, always? No matter what?

• 53:14Speaker 02

  Eh, it's better now, but he used to be that way. It used to be video games and dogs and that's it.

• 53:19Caleb Hammer?

  I, I understand that one. You're not pleasant. Um.

• 53:23Speaker 02

  I mean, he says he likes my personality, so clearly there's something.

• 53:25Caleb Hammer?

  But like you're financially abusive, manipulative, and just like, uh, not a good partner. So that part's fair, but I don't think you should determine how you treat her for the day.

• 53:37Caleb Hammer?

  Did someone just use hand sanitizer? Mark, why? What are you doing back there? You just, over 50 minutes in?

• 53:47Caleb Hammer?

  50 minutes into filming a podcast, what have you been touching over the past 50 minutes that require? You're sitting there watching the audio, Marcus. What are you? Come over here, Mark. What the are you doing?

• 54:02Caleb Hammer?

  Ladies and gentlemen, you know him, we love him.

• 54:04Speaker 05

  I didn't think I'd, I'd be on for this.

• 54:07Caleb Hammer?

  Why? It's been 50 minutes. What have you touched in the last 40 that require hand sanitizer at 50 minutes?

• 54:14Speaker 05

  Well, I, I got a kind of, kind of bored, so I was like touching my face, but I had a quesadilla for lunch. So I was like, oh no, all that grease from the quesadillas getting on my hands. Now you can probably smell it. Yeah.

• 54:28Caleb Hammer?

  Okay, thank you, Mark.

• 54:30Caleb Hammer?

  That was a very strong hand sanitizer. Okay, you're fat. What's our financial score zero to 10 for the household?

• 54:37Speaker 02

  Oh, for the household? Ooh, I bring it down, he brings it up.

• 54:40Speaker 03

  Six, minimum.

• 54:42Speaker 02

  Five, maybe four and a half.

• 54:45Caleb Hammer?

  Class four.

• 54:46Speaker 02

  Wow.

• 54:47Caleb Hammer?

  I'm so sorry. No, I'm not, because you're a bad person, but like, uh, okay. You're pathetic as well. Oh, okay. I got permission.

• 54:56Speaker 02

  Yeah.

• 54:57Caleb Hammer?

  I'll take it. If you want your Hammer Financial Score, get it free, kalehammer.com. You know where to go. It is free. It just takes a few minutes. You can see where you stand in the world of finances. Where you're doing poorly, where you're doing great. Take that assessment. They did. You can too. And if you don't want to, what the are you talking about?

• 55:11Speaker 02

  No, he just looked at me.

• 55:12Caleb Hammer?

  If you don't want to be like a guest who ends up on the show, make sure you use the Dollar Wise Budgeting App. Take it. Sign up for the annual version. If you like it after the trial, most people do, because you save almost 50% and then you get my 30-day budget meal plan. Sign by me, mailed directly to you. It's awesome. And the digital version of the cookbook, by the way.

• 55:29Caleb Hammer?

  Check that out. Here you go.

• 55:33Caleb Hammer?

  No chance in the world you [bleep] in this, but okay.

• 55:36Speaker 02

  No, but I'll take it.

• 55:37Caleb Hammer?

  Okay, so I just unfortunately don't remember. Oh, yeah. No, no, I do remember. Okay, yeah, no, I still want an answer. I don't think you should be treating. So like, I'm treating her like shit right now, but that's the, that's the show. And it's fair. And she's a piece of shit, and so are you, kind of in a different way. But I don't know, just like, you ask for a number once a day and then you, how you treat her depends on the numbers. That's a bit horrible.

• 55:59Speaker 03

  It's not like a schedule. I don't wake up and say, all right, it's 6 a.m. Give me your weight. Um, that's a little overboard. It's just an occasional checkup. And I wouldn't say it's daily, maybe once a month.

• 56:10Caleb Hammer?

  What makes you so angry and so bad?

• 56:13Speaker 03

  Just no progress, I'd say, or minimal progress, considering we're six years in and she knows the limits.

• 56:19Caleb Hammer?

  Why'd you get with that?

• 56:20Speaker 03

  I think we've already established, because I'm a pussy, so I'm working through things.

• 56:24Caleb Hammer?

  True. Were you desperate at the time?

• 56:26Speaker 03

  No, I wouldn't say I'm desperate. No, I'm not desperate.

• 56:31Caleb Hammer?

  Are you?

• 56:32Speaker 02

  No.

• 56:33Caleb Hammer?

  Cause if he treats you bad and he's like.

• 56:35Speaker 02

  I have other people that want me to break up with him to be with him, but I refuse to do it.

• 56:39Caleb Hammer?

  I know because men are insane. No matter the women, every woman has been gassed up to like supreme level.

• 56:46Speaker 02

  I have someone in my life who's like, oh, you don't need to lose weight. And I'm like, are you stupid?

• 56:50Caleb Hammer?

  It's incredible.

• 56:51Speaker 02

  Are you fucking stupid?

• 56:52Caleb Hammer?

  The worst women among us and the most unattractive can have any man they want. And then for men, I'm sorry, it's a little red pill, but it's relative to the truth. You have to be like the top.

• 57:00Speaker 02

  Red pill? I think you mean blue pill.

• 57:02Caleb Hammer?

  No.

• 57:03Speaker 02

  Red pill?

• 57:03Caleb Hammer?

  Yeah. It's me like the top 10% just to get.

• 57:09Speaker 02

  Uh, but clearly there's people out there that would prefer me.

• 57:12Caleb Hammer?

  That's the thing I'm saying. That's crazy.

• 57:15Speaker 02

  And part of the reason, one of the many reasons why I want to stay with him is he actually challenges me and wants me to lose weight instead of being happy that I am.

• 57:23Caleb Hammer?

  What, what do you mean? How much you weigh today?

• 57:26Speaker 02

  Oh, I'm not saying that.

• 57:27Caleb Hammer?

  Huh? No, that's just what he asked you. That's his challenge.

• 57:30Speaker 02

  Oh.

• 57:30Caleb Hammer?

  No, well, you're not saying that. I mean, I have it. It was like, uh, 283. It was like your last weigh-in. Oh, it's gone up. Oh shit, maybe she is class five.

• 57:40Speaker 02

  No, I'm not.

• 57:41Caleb Hammer?

  Will you step on the scale if I give it to you?

• 57:42Speaker 02

  No.

• 57:43Caleb Hammer?

  Okay. I don't know if I want to put it through that much trauma.

• 57:47Speaker 02

  That's fine, but I'm not doing that.

• 57:48Caleb Hammer?

  Pourquoi?

• 57:49Speaker 02

  Um, it's none of your damn business.

• 57:51Caleb Hammer?

  Ish. I mean, it's the show, but.

• 57:53Speaker 02

  I don't care. That's not happening.

• 57:55Caleb Hammer?

  That's fine. I'm not gonna force you to do anything. But like, I mean, why, why, why were we giving away if it can't be confirmed? And this is such an important part of the conversation, apparently.

• 58:03Speaker 02

  Oh, um, I don't know why I did give away it.

• 58:06Caleb Hammer?

  No, we were given a weight.

• 58:08Speaker 02

  Yeah, I don't know why.

• 58:09Caleb Hammer?

  285 is what.

• 58:10Speaker 02

  I don't know why.

• 58:11Caleb Hammer?

  Was told to the producers.

• 58:12Speaker 02

  Yeah, I don't know why I did.

• 58:13Caleb Hammer?

  But you can't confirm the weight you told us?

• 58:15Speaker 02

  Maybe.

• 58:16Caleb Hammer?

  Your phone's not gonna confirm it.

• 58:18Speaker 02

  Yes, it can.

• 58:19Caleb Hammer?

  Okay. Well, I think the scale would confirm it.

• 58:21Speaker 02

  Hmm, I'm not stepping on a scale.

• 58:23Caleb Hammer?

  So why? Why show me the thing on the phone, but not a scale? I'm not gonna force you to get on a scale, but I don't understand the phone thing.

• 58:27Speaker 02

  Gives a date and everything for the last weigh-in. Yeah, this isn't the last weigh-in.

• 58:30Caleb Hammer?

  Huh?

• 58:31Speaker 02

  This is April 7th was the.

• 58:33Caleb Hammer?

  That you put in though.

• 58:35Speaker 02

  No, no, no. I have a scale. Um, April 7th was 300. So I have a scale that whenever you step on it and you let it run until course and you have the app turned on, it'll send all of your body metrics over to it.

• 58:49Caleb Hammer?

  So she's gone up. How does that make you feel?

• 58:51Speaker 02

  No, that's April 7th.

• 58:53Caleb Hammer?

  Okay. On Wednesday, you said 285.

• 58:56Speaker 02

  Yes, do your math, do your dates. We're not in April.

• 58:59Caleb Hammer?

  I know, but you don't have a weigh-in since then. You didn't weigh yourself since then.

• 59:05Speaker 02

  Yes, I have. Not on this app. I just don't, I don't do the app. Like, I get on the scale, but I don't have my phone on me to, like, track the app. I need to. I'm really bad at doing that.

• 59:15Caleb Hammer?

  Dude, the thing is, you know, for what it's worth, I mean, same thing with people who just want to spend bad. If you actually want to be incredibly unhealthy and want to, like, I actually don't care. Live that life. I'll support you. It's fine. It sucks for our medical system, healthcare system, and the price we all have to pay into it and, you know, a lot of other things, but either way, it's like, you know, that's fine. But like, it's different. If you actually care about it, then I'm gonna bully you, you know?

• 59:37Speaker 02

  I do actually care about it.

• 59:38Caleb Hammer?

  Okay, I hope so.

• 59:40Speaker 02

  I don't want my kids to go through, like, the bullying that I went through as a kid.

• 59:45Caleb Hammer?

  Yeah, no, I mean, I don't want you to get bullied either. The only reason we do it on the show is because we have permission and it's fun for the show, but like...

• 59:51Speaker 02

  I don't want them to have, like, health issues that I'm possibly having right now.

• 59:55Caleb Hammer?

  Possibly. No, you are.

• 59:57Speaker 02

  No, I'm not. No. No. The tests confirm that I don't.

• 1:00:03Caleb Hammer?

  What tests?

• 1:00:04Speaker 02

  Blood tests.

• 1:00:04Caleb Hammer?

  You're telling me you don't got the diabetes?

• 1:00:06Speaker 02

  Nope.

• 1:00:07Caleb Hammer?

  Will you take a blood pressure test right now?

• 1:00:08Speaker 02

  Yeah. I've also been shaking my legs, so probably should wait like five minutes.

• 1:00:12Caleb Hammer?

  What?

• 1:00:13Speaker 02

  Yeah, I've heard a thing, like, anytime I go to the doctor, I get really nervous and I'll, like, shake a lot and then they get to wait five minutes of being completely still for the blood pressure.

• 1:00:20Caleb Hammer?

  Pull it out!

• 1:00:22Speaker 02

  That's fine.

• 1:00:24Caleb Hammer?

  I want her to be around for a while.

• 1:00:27Speaker 03

  Right, I do too. That's why we have these conversations and work on these things.

• 1:00:31Caleb Hammer?

  Here's Marcus, freshly clean.

• 1:00:35Speaker 02

  I don't know how to do this thing.

• 1:00:36Caleb Hammer?

  If you'd like to administer on your woman.

• 1:00:38Speaker 02

  Do you know how to do it?

• 1:00:38Caleb Hammer?

  Yeah, you wrap it around that arm if it fits and you can, um, you just sit like this.

• 1:00:45Speaker 03

  Through.

• 1:00:47Speaker 03

  All the way up, I think.

• 1:00:48Caleb Hammer?

  Oh, yeah, right there's good. And just make it not super tight, but, you know, like, firm.

• 1:00:55Speaker 02

  It's down there.

• 1:00:58Speaker 03

  I don't know, is that super tight on you?

• 1:00:59Caleb Hammer?

  Doesn't need to be super tight.

• 1:01:00Speaker 02

  You're good. That's fine.

• 1:01:02Caleb Hammer?

  And click that button. You just sit still and we'll all be quiet.

• 1:01:15Caleb Hammer?

  That's impossible. No way that happens.

• 1:01:19Speaker 02

  It's not on right. It's not on right.

• 1:01:22Speaker 03

  I put it on.

• 1:01:22Speaker 02

  You can do it. I don't know how to do it.

• 1:01:24Caleb Hammer?

  What are we?

• 1:01:25Speaker 02

  It's not on right.

• 1:01:26Caleb Hammer?

  That's impossible. It did not snap.

• 1:01:30Speaker 02

  Thanks.

• 1:01:31Caleb Hammer?

  I'm sorry, your arm is very thick. Okay, just sit like this.

• 1:01:38Speaker 02

  There.

• 1:01:41Speaker 02

  Just hit the parp in.

• 1:01:46Caleb Hammer?

  Ha. How do I? How do I? How do I?

• 1:01:50Speaker 02

  There you go. Yep.

• 1:01:54Caleb Hammer?

  No, I do. I do.

• 1:01:54Speaker 02

  There you go.

• 1:01:55Caleb Hammer?

  Leave it alone.

• 1:01:56Speaker 02

  I'm just holding in place.

• 1:02:06Caleb Hammer?

  It's crazy.

• 1:02:12Caleb Hammer?

  Are you too advanced for an at-home blood pressure check?

• 1:02:15Speaker 02

  I just never needed one. My blood pressure is fine.

• 1:02:18Caleb Hammer?

  I hope so.

• 1:02:19Speaker 02

  They always tell me it's fine or low.

• 1:02:20Caleb Hammer?

  You're 25, so you have time on your side, but...

• 1:02:30Speaker 02

  155 over 76.

• 1:02:32Caleb Hammer?

  Okay, 155 is high blood pressure hypertension stage two.

• 1:02:37Speaker 02

  And what did I just tell you? That I've been shaking my leg?

• 1:02:41Speaker 02

  It matters.

• 1:02:42Caleb Hammer?

  All the way up to 155 from 120?

• 1:02:44Speaker 02

  Probably.

• 1:02:45Caleb Hammer?

  Probably?

• 1:02:46Speaker 02

  I think the first time I got my blood pressure was like 186 or something.

• 1:02:50Caleb Hammer?

  So I'm not diagnosing anything, but what I do recommend is like go get your blood pressure checked.

• 1:02:54Speaker 02

  I already do every time I go to the doctor, and I have to go on the third, so they do it.

• 1:02:57Caleb Hammer?

  There we go. So that's good.

• 1:02:59Speaker 02

  Every time that I go, they're like, yeah, it's in the normal range to low.

• 1:03:04Speaker 02

  Do I need to pull up my medical charts?

• 1:03:05Caleb Hammer?

  No, no, no, no, no, no, no. I do care about your health. What was with? Yeah, it was a fun bit, but it's like, um, 155 is kinda high.

• 1:03:13Speaker 02

  Yeah.

• 1:03:14Caleb Hammer?

  So I'm hoping that's, you know, just a moment, a moment of nerves for the show. Blah, blah, blah, blah, blah, blah.

• 1:03:20Speaker 02

  There's been a lot like they wait like 15 minutes and then come back and they'll take it.

• 1:03:23Caleb Hammer?

  Um, if it's like crazy anxiety, caffeine, you know, walking, all this no resters, that could be like 10 to 20.

• 1:03:30Speaker 02

  I mean, I am.

• 1:03:31Caleb Hammer?

  So it would still be elevated, right? At that point, you'd still be in that, uh, stage one. To, okay.

• 1:03:37Speaker 02

  Cool.

• 1:03:38Caleb Hammer?

  Just saying, okay. Um, I do care about your health. I know we're meming and we're having fun, but like, it's just like, yeah, I do agree. Okay, so you have no job, 4,400 is all that comes in. That's not good. What's the USA A card?

• 1:03:55Speaker 02

  Uh, checking or credit?

• 1:03:56Caleb Hammer?

  Credit.

• 1:03:57Speaker 03

  All of the USA is mine.

• 1:03:58Caleb Hammer?

  Okay, you're the one, is this the one that she has?

• 1:04:00Speaker 03

  Yeah, if it's the, uh, credit card, yeah.

• 1:04:02Caleb Hammer?

  What's wrong with you? So it's not just card alone and shit like this. You've racked up his credit card that is accruing interest that is, did you purchase?

• 1:04:09Speaker 02

  Well, okay. So depending on the month too, it might not be much of me.

• 1:04:13Caleb Hammer?

  March to April, in between March and April.

• 1:04:15Speaker 02

  Hmm.

• 1:04:15Caleb Hammer?

  Hybrid.

• 1:04:16Speaker 02

  Did I have it in March? It's still a mix of both of us for those two.

• 1:04:20Caleb Hammer?

  Okay. Well, you spent more than you put towards it while interest is accruing.

• 1:04:24Speaker 02

  Yeah, I didn't put anything towards it. I don't put anything.

• 1:04:26Caleb Hammer?

  No, no, you have no job. You got laid off. You're trad wife. By that, she means applying for A jobs. Okay, so this takes 15 years to pay off. Will you be here? I hope so.

• 1:04:38Speaker 02

  I mean, yeah, yeah, I'll be here.

• 1:04:40Caleb Hammer?

  Well.

• 1:04:41Speaker 02

  I'll be here.

• 1:04:42Caleb Hammer?

  Okay, changes are required. Okay, but so this takes 15 years to pay off. Minimums payments only without any purchases and oh, she is purchasing because she has no, nowhere else to purchase. You are sugar daddying her.

• 1:04:54Speaker 03

  That's.

• 1:04:55Caleb Hammer?

  No, I mean, you are.

• 1:04:56Speaker 03

  Apparently I got a lot of nicknames. Sugar daddy's up there.

• 1:04:59Caleb Hammer?

  No, no, you are like, she's spending your money. She provides nothing to the household.

• 1:05:04Speaker 02

  I provide quite a bit to the household.

• 1:05:06Caleb Hammer?

  You make him vacuum.

• 1:05:08Speaker 02

  So what? That's one thing out of multiple.

• 1:05:11Caleb Hammer?

  What are you providing?

• 1:05:12Speaker 02

  Really? I cook his meals. I make all of his.

• 1:05:15Caleb Hammer?

  A week, I thought.

• 1:05:16Speaker 02

  No, no.

• 1:05:17Caleb Hammer?

  Wait, a thousand hours going on to you. Where's the cooking?

• 1:05:20Speaker 02

  I do cook. It's just, one, things expensive, but.

• 1:05:24Caleb Hammer?

  Oh, come on. Groceries are so much cheaper than going out to eat.

• 1:05:28Speaker 02

  Groceries are pretty high, too.

• 1:05:29Caleb Hammer?

  Statistically, in every way whatsoever, because the actual, the actual things that you buy last multiple meals.

• 1:05:35Speaker 02

  Well, yeah, I'm saying.

• 1:05:37Caleb Hammer?

  We check it via HEB, your favorite place. Three hundred bucks per person can be a great three meals at A plus dessert, snack, drinks.

• 1:05:44Speaker 02

  Per month?

• 1:05:45Caleb Hammer?

  Yes.

• 1:05:46Speaker 02

  Cool, we spend less than that.

• 1:05:47Caleb Hammer?

  Cause you spend a thousand going out to eat. Cause you don't cook. You just proved your point.

• 1:05:52Speaker 02

  I do cook.

• 1:05:53Caleb Hammer?

  Then you're not cooking very much.

• 1:05:55Speaker 02

  I do cook.

• 1:05:56Caleb Hammer?

  Not very much, cause you spend less than what's required for the three meals.

• 1:06:00Speaker 02

  When I was working, I didn't cook as much.

• 1:06:02Caleb Hammer?

  Girl. If you're spending less than that now, then you are not cooking enough.

• 1:06:07Speaker 02

  I do.

• 1:06:08Caleb Hammer?

  Ah, that's methodically impossible. Oh, fuck me, man. Can't get through with this one. Her skin is thick.

• 1:06:17Speaker 02

  Hey, when you're this big, you have to have thick skin.

• 1:06:21Caleb Hammer?

  Could also just lose weight, but yeah.

• 1:06:24Speaker 02

  Working on it.

• 1:06:25Caleb Hammer?

  Kind of. Didn't you gain again? So what is your normal monthly payment? I don't know, like fifty bucks, a hundred bucks?

• 1:06:32Speaker 02

  Yeah, how much is?

• 1:06:33Caleb Hammer?

  Cause it's not on the statement, cause you put money towards it and then you spent more. I'll put it as a hun- no, let's put it as fifty.

• 1:06:39Speaker 02

  I'd say fifty is more accurate.

• 1:06:41Caleb Hammer?

  How the fuck would you know?

• 1:06:42Speaker 02

  Because we budget together.

• 1:06:44Caleb Hammer?

  What? You budget together? Yeah, you spend more than you make?

• 1:06:46Speaker 02

  Well, so we have a budgeting thing that I put together.

• 1:06:50Speaker 03

  It's not so much budgeting.

• 1:06:51Caleb Hammer?

  Oh, she put together, but what the fuck does she mean?

• 1:06:53Speaker 02

  Actually, he put it together originally.

• 1:06:55Speaker 03

  We look at our expenses for the last month. That's really all it is. We're not like sitting down budgeting.

• 1:06:59Caleb Hammer?

  Minimum payment?

• 1:07:00Speaker 02

  That's because it's fifty to sixty is the average I see every single month for his credit card. So I assume that that's the monthly minimum, cause he typically.

• 1:07:09Caleb Hammer?

  Okay, and then we've purchased more than we put towards it for, um, I'm sorry. It is the ultimate fat woman destination. It really is.

• 1:07:20Speaker 02

  It doesn't say Disney World?

• 1:07:21Caleb Hammer?

  No, but that would be too. But no, you don't go there on a daily basis. That'd be crazy.

• 1:07:25Speaker 02

  What is?

• 1:07:26Caleb Hammer?

  You would not be able for that. Sonic.

• 1:07:29Speaker 02

  Oh, yeah, we have two dogs.

• 1:07:31Caleb Hammer?

  Stopping at Sonic.

• 1:07:32Speaker 02

  I would get a drink and then we would get pup cups too. That's why they're typically smaller charges.

• 1:07:37Caleb Hammer?

  It's always for like the sugary pops with the candy in it and shit.

• 1:07:43Speaker 02

  No, I usually get a Coke.

• 1:07:44Caleb Hammer?

  They get crazy. You get crazy. Coke, full calorie Coke?

• 1:07:49Speaker 02

  Yeah.

• 1:07:49Caleb Hammer?

  Woman!

• 1:07:50Speaker 02

  That's what I do is like my cheat for the day.

• 1:07:54Caleb Hammer?

  Sonic again. Game pass. That one's probably you. Sonic, girl! Girl! Sonic again! Microsoft, Amazon.

• 1:08:04Speaker 00

  New and exclusive holiday decor just launched online at the Home Depot. Check out the viral Grand Duchess collection with smart holiday lights you can control from your phone. Easily customize the twinkle across trees, wreaths, and garlands to match your holiday vibe. Create stunning light effects, then switch it up with the tap of your fingers. Even the man in red will be impressed. Shop the holiday decor you want online only at HomeDepot.com.

• 1:08:33Caleb Hammer?

  On Amazon, bullshit from the Buc-Ee's.

• 1:08:36Speaker 02

  That's gas.

• 1:08:37Caleb Hammer?

  One was gas and then he went inside the same day and got some Buc-Ee's.

• 1:08:42Speaker 02

  Yeah, I did.

• 1:08:42Caleb Hammer?

  Yeah, you did. I know you. I see it every time I'm there. Copy and paste.

• 1:08:49Speaker 02

  If that's morning.

• 1:08:49Caleb Hammer?

  Bro, I don't know the time. It doesn't say.

• 1:08:52Speaker 02

  That's probably both of us.

• 1:08:53Caleb Hammer?

  14.4% interest rate. It wasn't, it was like.

• 1:08:58Speaker 03

  Can't put that on me.

• 1:08:58Caleb Hammer?

  Oh, I didn't even catch this. You literally said that's your cheat for the day. You can't have a cheat for the day and lose weight. There's no such thing as a cheat for the day. A full calorie Coca-Cola?

• 1:09:10Speaker 02

  Is the only thing I drink besides water?

• 1:09:13Caleb Hammer?

  What is that? 500 calories? 600 calories?

• 1:09:16Speaker 02

  Is it really?

• 1:09:17Caleb Hammer?

  What size?

• 1:09:18Speaker 02

  Like a medium?

• 1:09:19Caleb Hammer?

  Well, a medium is Sonic.

• 1:09:21Speaker 02

  With no ice, because I hate their ice.

• 1:09:25Speaker 02

  Their ice has like stuff in it. That's gross.

• 1:09:27Caleb Hammer?

  Coke with no ice from Sonic.

• 1:09:30Speaker 02

  Is it really that much?

• 1:09:31Caleb Hammer?

  Girl! And now she's confused why she's not losing any weight, even though she eats her salad.

• 1:09:40Caleb Hammer?

  Yes.

• 1:09:41Speaker 02

  Really?

• 1:09:41Caleb Hammer?

  Dude, pop is one of the worst caloric things you can have. So you go.

• 1:09:46Speaker 02

  Yeah.

• 1:09:46Caleb Hammer?

  Doctor Pepper Zero. Or gamersubs, that's zero calorie too.

• 1:09:50Speaker 02

  If that's a zero sugar, yeah, I hate diet flavored things. They have a really nasty.

• 1:09:53Caleb Hammer?

  Then you're on water dude.

• 1:09:54Speaker 02

  But zero sugar, I do like the flavor of that. It's just the.

• 1:09:59Caleb Hammer?

  It's at least 300 calories.

• 1:10:01Speaker 02

  Okay.

• 1:10:02Caleb Hammer?

  That's insane.

• 1:10:02Speaker 02

  That's something I definitely should not be doing.

• 1:10:04Caleb Hammer?

  Yes.

• 1:10:06Speaker 02

  Oh.

• 1:10:07Caleb Hammer?

  Speaking of gamersubs, another really good zero calorie item is a course careers certification, of which I will get you because in the audience, they have used that to convert into six figure jobs. And you need a fucking job.

• 1:10:20Speaker 02

  I do.

• 1:10:21Caleb Hammer?

  They even have it in IT, so.

• 1:10:22Speaker 02

  Oh, okay. Well, that's great.

• 1:10:24Caleb Hammer?

  You'll get it for free. You deserve it now, but okay. And this just, this isn't even calculating your spending, by the way. So this was just taken for an additional extra month just for funsies.

• 1:10:34Speaker 02

  Yeah.

• 1:10:36Caleb Hammer?

  Of what it looked like when you had a job, which is even worse. Cause that's your spending when you didn't have a job. This is what it looks like when you did have a job. Bullshit, Mexican, Cinemark, Chick-fil-A, IHOP, Ben Mino, bullshit, Cinemark, Chick-fil-A, bullshit, Amazon, Cinemark, ATM withdraw, Venmo, eBay, eBay, Wendy's, squirt, quilt, skirt, squirt.

• 1:11:01Speaker 02

  Oh, that's, um.

• 1:11:02Caleb Hammer?

  Shirt quilt.

• 1:11:04Speaker 02

  Yeah.

• 1:11:04Caleb Hammer?

  Fat people shirts?

• 1:11:05Speaker 02

  No, no, um, what is that called?

• 1:11:08Caleb Hammer?

  Fat people need shirts too.

• 1:11:09Speaker 02

  It, it's a quilt made out of old t-shirts that I did for.

• 1:11:13Caleb Hammer?

  Sonic.

• 1:11:14Speaker 02

  Yeah.

• 1:11:15Caleb Hammer?

  Cash app, cash app, Southern Scoops, Chick-fil-A, Cash App, Domino's, Chick-fil-A, Bad The Body Works, Cracker Barrel. This is just an example of what it's like when she has a job. She spends all of her money. Why even be with her? Cause when she spends a job, it'll be even worse. Venmo, BJ's Western, Avery Kyle, Avery Kyle, the grill, Cash App, bullshit, Cash App, bullshit, bullshit, Chick-fil-A, coffee, Brahms, bullshit, bullshit, pluckers. Pluckers is the worst calories you could ever have, by the way. Delicious though. Claire's, good, uh, good morning, like restaurant coffee or something. I don't know. Bullshit, Sonic, Chick-fil-A, Chick-fil-A, I.

• 1:11:51Speaker 02

  Yeah.

• 1:11:55Caleb Hammer?

  That makes sense on why it's a thousand now.

• 1:11:57Speaker 02

  I took my trip to my family.

• 1:11:58Caleb Hammer?

  That wasn't calculated in your monthly spending.

• 1:12:00Speaker 02

  Oh, that was the other one?

• 1:12:01Caleb Hammer?

  That was taken just for fun to show what it looks like when you have a job.

• 1:12:04Speaker 02

  Oh, that wasn't a thousand. Oh, shit.

• 1:12:06Caleb Hammer?

  Uh, money owed to grandpa. Who's grandpa?

• 1:12:08Speaker 02

  Mine.

• 1:12:08Caleb Hammer?

  Parcois!

• 1:12:10Speaker 02

  My old car I needed two thousand for and then for like, uh, books for my school. Cause it was agreed before I went to college that he would pay for them. Um, but now I really wanna pay him back.

• 1:12:23Caleb Hammer?

  Oh, so he's not asking for it? What about the two thousand? Cause you should at least pay the two thousand.

• 1:12:28Speaker 02

  He wants the two thousand. I wanna do the four thousand because everyone...

• 1:12:32Caleb Hammer?

  Two thousand, stop it. If he agreed to pay for it, it doesn't matter. That's a gift at that point, but the two thousand, yes, you should pay back a hundred percent. Hundred percent. And what's weird, especially with the grandpa, is I know that your families do not support this relationship.

• 1:12:45Speaker 02

  He does.

• 1:12:46Caleb Hammer?

  He does, but the families do not.

• 1:12:48Speaker 02

  Yeah, they don't.

• 1:12:48Caleb Hammer?

  What, what do we, why? What's going on?

• 1:12:50Speaker 02

  Uh, my family thinks that he's too verbally abusive and, uh...

• 1:12:55Caleb Hammer?

  The fuck's he doing? Hold on, I've been anti you right now, but if he's verbally abusive, I'm gonna [__] the shit out of him.

• 1:13:00Speaker 03

  Not verbally abusive, first off. No, she just...

• 1:13:03Speaker 02

  And controlling.

• 1:13:04Caleb Hammer?

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• 1:13:45Caleb Hammer?

  That's kinda [__] 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 two hundred dollars in bonus cash right now. 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 Odd and get free money at the same time. Who would have thought? That's incredible. Check it out. Link in the description below. Really?

• 1:14:14Speaker 03

  How am I controlling if she's got my-

• 1:14:16Caleb Hammer?

  I wanna hear from your side. Tell me, tell me all this stuff.

• 1:14:17Speaker 02

  Um, they don't like the fact that he wanted me to like one stop going to college for a little bit, but then when I turn around and help and like be like, oh, you should finish it. And then, uh-

• 1:14:29Caleb Hammer?

  That's verbally abusive?

• 1:14:30Speaker 02

  Well, no, there's more. It's like-

• 1:14:33Caleb Hammer?

  What's the verbal abuse?

• 1:14:35Speaker 02

  Uh, they really just, once again, don't agree with the weight thing and think that he should be supportive of trying to help.

• 1:14:41Caleb Hammer?

  Okay, that's not verbal abuse.

• 1:14:43Speaker 02

  Well, yeah, there's, yeah.

• 1:14:46Caleb Hammer?

  That's just him wanting his partner to be healthy or else why would he be with his partner?

• 1:14:50Speaker 02

  He plays video games and he'd rather play video games instead of spend time with me.

• 1:14:54Caleb Hammer?

  That's not verbal abuse either. That's just maybe not the healthiest relationship. Okay, there you go. Can you tell me?

• 1:14:59Speaker 02

  Oh, um, I mean, he'd yell at me and be like, look, I'm playing my game. Leave me alone. I'd be like, I'm just trying to spend time with you or something.

• 1:15:06Caleb Hammer?

  Why are you yelling at her? That's not good.

• 1:15:07Speaker 03

  Sometimes I'd get frustrated. I'd be playing games and I just wanna break, not have to think, turn off my mind.

• 1:15:13Caleb Hammer?

  I agree, but don't yell or say, hey, I just need some time, some personal space.

• 1:15:17Speaker 03

  Something to work on, absolutely. I have been-

• 1:15:19Caleb Hammer?

  So he just explodes and yells at you with that? That's not good. That's not healthy.

• 1:15:22Speaker 02

  Sometimes, yeah.

• 1:15:24Caleb Hammer?

  That's not good.

• 1:15:24Speaker 02

  A lot when it also comes with his, nah, with his family, a specific part.

• 1:15:29Speaker 03

  Family's opinion on me is from the beginning of the relationship, not currently.

• 1:15:33Caleb Hammer?

  The first time they broke up, it was because he was doing too much roughhousing with her and she didn't, and didn't stop when she said stop? What the is that?

• 1:15:44Speaker 02

  He, I guess he didn't pay attention whenever I was like, it's too much. Like you need to chill out and everything and he just kept going.

• 1:15:52Speaker 03

  She'd tell me to stop and I would stop.

• 1:15:54Speaker 02

  No, you did not. There were three times that you did not.

• 1:15:57Caleb Hammer?

  Not doing, doing what?

• 1:16:00Speaker 02

  Oh, I'm, uh-

• 1:16:02Speaker 03

  We probably don't wanna talk about it on the air. We'd rather avoid it.

• 1:16:05Caleb Hammer?

  Oh, you would rather avoid it?

• 1:16:06Speaker 03

  I'd rather avoid it. Nothing, nothing like-

• 1:16:08Caleb Hammer?

  Well, so it's sexual-

• 1:16:10Speaker 03

  Not like WWE, yeah, like sexual.

• 1:16:12Caleb Hammer?

  And you didn't.

• 1:16:12Speaker 03

  Just sexual stuff.

• 1:16:13Caleb Hammer?

  And of which she said stop and you didn't three times.

• 1:16:16Speaker 02

  There was, there was one time that you did hit me that-

• 1:16:21Speaker 02

  Wasn't fun. That was in like the first six months of us being together.

• 1:16:25Speaker 03

  Not hitting. It's spanking first off.

• 1:16:29Speaker 02

  No.

• 1:16:29Speaker 03

  Let's be very clear. It's spanking, not hitting.

• 1:16:32Caleb Hammer?

  Where?

• 1:16:32Speaker 02

  It was not spanking.

• 1:16:34Caleb Hammer?

  Where?

• 1:16:35Speaker 02

  Um, I wanna, I think it was like, I don't wanna say, cuz it makes him look really bad.

• 1:16:42Speaker 02

  Okay, fine. You did slap me one time way too hard, like on the face, cuz we were playing and

• 1:16:49Caleb Hammer?

  Playing?

• 1:16:50Speaker 02

  We were playing. I got too aggressive and I told him he needed to calm down and everything and he didn't realize, I guess.

• 1:16:57Caleb Hammer?

  Okay.

• 1:16:58Speaker 02

  And I think I, I think I might have accidentally poked you in the butt or something that you hate and then he like slapped me. So.

• 1:17:06Caleb Hammer?

  Like actually like mean?

• 1:17:07Speaker 02

  It hurt pretty bad and it was not okay with me. So I stepped back for quite a bit and it was stuff that I've talked to my therapist about.

• 1:17:15Caleb Hammer?

  Fair, fair.

• 1:17:18Speaker 02

  And then the other times you've gone too aggressive, you have left marks on me before, like on my arms and stuff because you've like grabbed too tight. And again, this was all like the first two years of us being together. Things have massively changed since we broke up whenever I studied abroad and then we came back. Things really did change cuz it was part of why we took a while.

• 1:17:40Caleb Hammer?

  That was like right when you graduated high school. So you were like 22 and she was 18.

• 1:17:44Speaker 02

  I was 19. I was 19.

• 1:17:47Caleb Hammer?

  Yeah, no, no, no. She's right. It doesn't make you look good. Um, but it's gotten better.

• 1:17:52Speaker 02

  Yeah, he hasn't done that in a while.

• 1:17:53Caleb Hammer?

  So.

• 1:17:54Speaker 02

  At all. And he listens more cuz we've

• 1:17:56Caleb Hammer?

  More? Or does he stop when you say stop?

• 1:17:59Speaker 02

  Oh, no, he does stop. He does stop.

• 1:18:00Caleb Hammer?

  Why wouldn't you stop when she says stop?

• 1:18:02Speaker 03

  I would say I don't even do it in the first place anymore.

• 1:18:05Speaker 02

  Yeah, he

• 1:18:05Caleb Hammer?

  I don't even remember that. What is the point? I'm asking, okay, so now

• 1:18:08Speaker 02

  I don't think he realized.

• 1:18:10Speaker 03

  I don't even remember that stuff.

• 1:18:11Caleb Hammer?

  So we prefer physical abuse over verbal?

• 1:18:14Speaker 03

  That's a crazy thing to say.

• 1:18:16Caleb Hammer?

  Well, not really, actually, from what does happen. Okay, so your parents don't support him. I think that's relatively fair now.

• 1:18:23Speaker 02

  His doesn't support me either.

• 1:18:25Caleb Hammer?

  For?

• 1:18:27Speaker 02

  Go ahead.

• 1:18:29Caleb Hammer?

  May as well hear the opposite side of it.

• 1:18:31Speaker 03

  Well, as you know, I've had sexual

• 1:18:35Speaker 03

  issues, complications with her generally. Well,

• 1:18:38Caleb Hammer?

  Well, where you kept going when she said stop, yes.

• 1:18:41Speaker 03

  No, no, no, not like that. Like sexual attraction is what I'm referring to.

• 1:18:45Speaker 02

  Yeah.

• 1:18:45Speaker 03

  Towards the beginning of the relationship and she didn't get sex enough.

• 1:18:48Caleb Hammer?

  Why were you dating? Why were you dating someone you weren't attracted to? I really don't understand this. Like you're friends with someone who has a good personality that you don't want. Continue.

• 1:18:57Speaker 03

  Anyway, so she put something in my drink one time to get me hard and

• 1:19:04Speaker 02

  It was for her anniversary.

• 1:19:05Speaker 03

  Thought it was a good idea to tell somebody in my family about this conversation.

• 1:19:09Caleb Hammer?

  She date you.

• 1:19:11Speaker 02

  Kind of.

• 1:19:12Speaker 03

  And, and so that word got around in my.

• 1:19:16Speaker 02

  No.

• 1:19:16Speaker 03

  I don't.

• 1:19:17Caleb Hammer?

  You were just, you were just, you got sick and you're just walking around fucking.

• 1:19:21Speaker 02

  Oh, no, it it didn't work and we both got sick from it.

• 1:19:25Caleb Hammer?

  How'd you get sick from it?

• 1:19:26Speaker 02

  Cause I took it too. We both took it.

• 1:19:28Caleb Hammer?

  What did you do? What was this medication?

• 1:19:31Speaker 02

  Uh, something you can buy at a store?

• 1:19:33Caleb Hammer?

  Yeah, what was it though? If it wasn't a boner pill. To do what though? If it wasn't a boner pill, because you wouldn't take a boner pill.

• 1:19:38Speaker 02

  No, it's the other thing to get you excited. It wasn't a boner pill. It was to like activate your like intimacy, whatever things.

• 1:19:47Speaker 02

  I don't know.

• 1:19:49Speaker 04

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• 1:20:14Speaker 02

  I just went to a store and was like, hey, what, what's a good thing to do? And then it was that and.

• 1:20:18Caleb Hammer?

  You got fucked by a fat bitch.

• 1:20:20Speaker 02

  Oh, lovely, lovely.

• 1:20:21Caleb Hammer?

  Sorry, I just had to say, I just, it was, it was. I felt like I, I want, I feel like I've wanted to at least say it once in my life and this gave me the excuse, so.

• 1:20:30Speaker 02

  Never thought I'd hear that in my life.

• 1:20:32Caleb Hammer?

  Well, now you did.

• 1:20:34Caleb Hammer?

  How'd you guys meet?

• 1:20:35Speaker 02

  We worked together.

• 1:20:35Speaker 03

  We worked at a, funny enough, your HEB.

• 1:20:40Speaker 02

  HEB.

• 1:20:41Caleb Hammer?

  Okay.

• 1:20:41Speaker 02

  Yeah.

• 1:20:42Caleb Hammer?

  Beating women from HEB, game, men from HEB. Dude, you guys are fucked up.

• 1:20:48Speaker 02

  I mean, I feel like we've done a lot better now.

• 1:20:50Caleb Hammer?

  My controversial for never my girlfriend?

• 1:20:52Speaker 02

  No.

• 1:20:53Caleb Hammer?

  Okay, just wanted to make sure. Okay, I don't think, I don't think it's normal, but you both, you just keep each other. Like, it's kind of crazy. She said no, you kept going.

• 1:21:04Caleb Hammer?

  And you dropping them, uh, drugs. That's a little.

• 1:21:07Speaker 02

  Yeah, I don't.

• 1:21:09Caleb Hammer?

  So somehow she told your family that she fucked you and now your family's like, don't.

• 1:21:14Speaker 02

  Yeah.

• 1:21:15Caleb Hammer?

  Date the.

• 1:21:16Speaker 03

  Yeah, so she.

• 1:21:16Caleb Hammer?

  I think that's fair.

• 1:21:17Speaker 03

  Yeah, yeah, so just found out and so now it's just tough, tough relationship, I guess. Just working through it, I guess.

• 1:21:24Caleb Hammer?

  Hey, baby, stop.

• 1:21:26Speaker 02

  I mean, yeah.

• 1:21:27Speaker 03

  I'd say we've done very well on not doing that, so thank you.

• 1:21:29Caleb Hammer?

  Okay.

• 1:21:32Speaker 03

  Big steps.

• 1:21:33Caleb Hammer?

  We'll put that as 2,000 for the grandpa.

• 1:21:35Speaker 02

  Okay. Great circle round.

• 1:21:37Caleb Hammer?

  Um, okay. So Department of Education, okay, so that's why a lot of these are going to stack up. The multiple.

• 1:21:44Speaker 02

  Yeah, I think it's like 42,000.

• 1:21:47Caleb Hammer?

  Glad to hear you guys are in couples therapy now, by the way.

• 1:21:50Speaker 02

  Yes.

• 1:21:51Caleb Hammer?

  Very glad to hear that because, oh my, yeah, you should be.

• 1:21:55Speaker 02

  He doesn't think.

• 1:21:55Caleb Hammer?

  So wait, actually, I do want to go back to the for a second, if I may.

• 1:21:58Speaker 02

  Great, okay.

• 1:21:59Caleb Hammer?

  If you were not attracted to her, why were you fucking her?

• 1:22:03Speaker 02

  No, that wasn't the thing.

• 1:22:05Caleb Hammer?

  Well, he kept going when he said no.

• 1:22:07Speaker 02

  It wasn't sexual. It was, we were play fighting and he would like.

• 1:22:11Caleb Hammer?

  Why are you guys just play fighting?

• 1:22:13Speaker 02

  Cause I like to.

• 1:22:18Speaker 02

  And he used.

• 1:22:19Caleb Hammer?

  No offense, going up again, that's a game you're not going to win.

• 1:22:22Speaker 02

  Actually, he does, so.

• 1:22:23Caleb Hammer?

  He does? Oh, you just got to get it like, allow gravity to work.

• 1:22:27Speaker 02

  No, he's actually a lot stronger than he looks.

• 1:22:29Caleb Hammer?

  No.

• 1:22:30Speaker 02

  Okay.

• 1:22:34Speaker 02

  Whatever you think.

• 1:22:39Caleb Hammer?

  I mean, I just have to be honest. Just have to be honest. This is what was sent in the producer group chat currently for your play fighting.

• 1:22:47Speaker 02

  Oh lovely.

• 1:22:49Caleb Hammer?

  How Lindsay? Who wants to volunteer?

• 1:22:53Speaker 02

  My bets aren't Brandon.

• 1:22:55Caleb Hammer?

  My bets are on Mika.

• 1:22:59Speaker 02

  Oh, mm-hmm. And he just said.

• 1:23:03Caleb Hammer?

  That's true. Marcus, he's gonna have to hand sanitize after that one. That was a dirty drop. That was a dirty drop. Okay. Uh, oh, student loans. That's right. So are you on a minimum payment?

• 1:23:15Speaker 02

  Oh, okay. So I don't pay anything to my student loans. Um, because I made so little that they said that what I had to pay in is zero.

• 1:23:24Caleb Hammer?

  Okay, so thirty-three thou- thirty-eight thousand one hundred fifty-seven for IT.

• 1:23:29Speaker 02

  Student loans?

• 1:23:29Caleb Hammer?

  Yeah.

• 1:23:30Speaker 02

  Really?

• 1:23:31Caleb Hammer?

  Yeah.

• 1:23:32Speaker 02

  That's a lot less than it should be.

• 1:23:34Caleb Hammer?

  Okay, then there's some you didn't send us.

• 1:23:36Speaker 02

  There should be like nine, I think.

• 1:23:38Caleb Hammer?

  Nine more?

• 1:23:39Speaker 02

  No, nine total.

• 1:23:40Caleb Hammer?

  Nine what?

• 1:23:41Speaker 02

  Student loans. Student loan like lines from whatever it is, credit card or whatever.

• 1:23:46Caleb Hammer?

  It was from your credit report that you sent. We added it up to thirty-eight.

• 1:23:50Speaker 02

  No, I thought it was like thirty.

• 1:23:52Caleb Hammer?

  Unless there's more if you didn't send the screenshots.

• 1:23:54Speaker 02

  Forty-five. I mean, I can pull it up.

• 1:23:55Caleb Hammer?

  Well, it's not the biggest difference in the world. You were making it sound like you thought it was double.

• 1:23:58Speaker 02

  No, no, no, no, it's not.

• 1:23:59Caleb Hammer?

  Well, the Apple card it looks like is paid off every month. So who's Apple card is it?

• 1:24:04Speaker 03

  Mine. I'm usually pretty good about paying off.

• 1:24:06Caleb Hammer?

  So he tries, you don't try. Why do you say you try? You don't vacuum.

• 1:24:09Speaker 02

  Well, I have one credit card.

• 1:24:10Caleb Hammer?

  Discord, Nitro, Pet Care, Uber Trip, and a Patreon membership. Okay. Rocketmore, we own a house!

• 1:24:21Speaker 03

  I do, yes.

• 1:24:22Caleb Hammer?

  Well, congratulations!

• 1:24:24Speaker 03

  Thank you, thank you.

• 1:24:25Caleb Hammer?

  Doesn't mean you're not abusive, but you do own a house.

• 1:24:28Speaker 02

  It should be more than thirty whatever.

• 1:24:30Caleb Hammer?

  Oh, yeah, it's sixty thousand dollars of student loans. I don't know. I think screenshots may have been wrong.

• 1:24:35Speaker 02

  It's on sixty thousand student loans. Fifteen, five hundred of it is my car, total. So whatever sixty minus, whatever that is. So maybe.

• 1:24:45Caleb Hammer?

  Okay, forty-five.

• 1:24:46Speaker 02

  There we go. So I was right, about forty-five.

• 1:24:47Caleb Hammer?

  Okay, okay. Very good. House, well done. Seven percent interest, not the biggest fan of, but it was the time. I get it. You didn't need to buy a house at the time. Okay, you must be on one of the extensive excerpts of Austin, but we won't mention which one, because no way you're getting a house in Austin for this price. But $2,218,483.71. Trust me, everyone would live in Austin if that's what it costs.

• 1:25:14Speaker 02

  That's a lot less than I thought it was.

• 1:25:16Caleb Hammer?

  200-

• 1:25:16Speaker 03

  It's because I make extra payments.

• 1:25:18Speaker 02

  Oh.

• 1:25:18Caleb Hammer?

  Extra payments to your mortgage, is that your credit card or your-

• 1:25:23Speaker 03

  I guess so.

• 1:25:25Caleb Hammer?

  No, you're- That's the stupidest thing I've ever heard in my life.

• 1:25:27Speaker 03

  Hey.

• 1:25:28Caleb Hammer?

  $2,286,051 minimum. Why? Why would you do that? I don't see extra paid here, but why would you do that?

• 1:25:37Speaker 03

  I just want that balance down as fast as possible, so I can go-

• 1:25:40Caleb Hammer?

  Why? It's a mortgage!

• 1:25:41Speaker 03

  I want to refinance for a lower interest rate.

• 1:25:43Caleb Hammer?

  Well, that part's fine, but wait till interest rates are lower, then you can do that. Take the appreciation of the house.

• 1:25:47Speaker 03

  Exactly, so the more I pay off-

• 1:25:49Caleb Hammer?

  Not necessarily, though. Yes, if the house doesn't gain any value. Just ride the gain of the house. I agree with the refinance. At some point.

• 1:25:57Speaker 02

  Oh, I did some-

• 1:25:58Caleb Hammer?

  Our inflation isn't great right now. War f***ed that up, but... Uh, okay.

• 1:26:04Caleb Hammer?

  So what's our debt?

• 1:26:06Speaker 02

  Uh, that's going to my car.

• 1:26:07Caleb Hammer?

  We have a Mazda.

• 1:26:09Speaker 02

  Yes.

• 1:26:10Caleb Hammer?

  And an 8.14% interest rate.

• 1:26:12Speaker 02

  Yeah, that's pretty bad.

• 1:26:14Caleb Hammer?

  What the f*** are you doing, man?

• 1:26:16Speaker 02

  That's actually the lowest I could get for the time that I needed a car.

• 1:26:19Caleb Hammer?

  Lowest you could get, yeah.

• 1:26:20Speaker 02

  Well, I did try to cosign with my aunt, who has like excellent, excellent credit. They're tier A credit.

• 1:26:25Caleb Hammer?

  Well, good thing she didn't.

• 1:26:26Speaker 02

  It literally would drop it $20 a month.

• 1:26:29Caleb Hammer?

  Yeah, and also you'd f*** her, because you're not the- You're the least trustworthy person I can imagine to cosign with.

• 1:26:33Speaker 02

  She cosigned on my first car, where I was with-

• 1:26:37Caleb Hammer?

  $15,865.80 at an 8.14% interest rate. Your minimum is $322.63?

• 1:26:45Speaker 02

  Yes.

• 1:26:46Caleb Hammer?

  Okay, what do you think it's worth?

• 1:26:48Speaker 02

  Um, probably like-

• 1:26:49Caleb Hammer?

  You'll hold 15 on it.

• 1:26:50Speaker 02

  25 or so.

• 1:26:51Caleb Hammer?

  20. But you have an equity position in the car.

• 1:26:54Speaker 02

  I do. I'm not selling my car.

• 1:26:57Caleb Hammer?

  You don't necessarily need to because it's relatively close to that 10. But actually, maybe you should because you don't have a job. But then actually you want to qualify for a loan to get a $10,000 car. So you're right, you shouldn't now, but it should be something you consider in the future.

• 1:27:09Speaker 02

  No, that's going to be my car that I have and have kids and stuff.

• 1:27:11Caleb Hammer?

  Why?

• 1:27:13Speaker 02

  Because it's a really damn good car.

• 1:27:14Caleb Hammer?

  It's fine.

• 1:27:15Speaker 02

  No, it's a great car.

• 1:27:16Caleb Hammer?

  It's okay.

• 1:27:18Speaker 02

  It is the highest edition for the year that it is. It's a great car.

• 1:27:23Caleb Hammer?

  It's okay. It's a car.

• 1:27:25Speaker 02

  And?

• 1:27:26Caleb Hammer?

  Other cars that all of a sudden kill babies.

• 1:27:29Speaker 02

  I didn't say that.

• 1:27:31Caleb Hammer?

  What is this obsession? Listen, it's not the worst, but you need to have a job to have this. I'll lie to have this if you have a job, but you told Colton you're not trying to get a job. You applied to nine jobs and you're trying to be a trad wife. Fuck you. This is not in the budget.

• 1:27:42Speaker 02

  I have applied to more jobs than that.

• 1:27:44Caleb Hammer?

  And you guys fight over, oh, listen, and maybe if you pay it off, but you guys fight over paying it off. And you should at a 9% interest rate. You should.

• 1:27:50Speaker 02

  I was, I'm told by the person who helps with my finances in my life.

• 1:27:55Caleb Hammer?

  And who's that?

• 1:27:56Speaker 02

  My aunt.

• 1:27:57Caleb Hammer?

  Your aunt?

• 1:27:59Caleb Hammer?

  She said, don't pay off a 9% interest rate car?

• 1:28:02Speaker 02

  Yeah, because you want to have. It like you want to have more years of credit so that it.

• 1:28:07Caleb Hammer?

  Oh, guys, you already own a house. It doesn't matter.

• 1:28:10Speaker 02

  He owns a house. I am not on it.

• 1:28:11Caleb Hammer?

  But you are trying to get married, so it doesn't matter anyway. The only thing you're trying to get your credit better for is a house. You're not getting a new house together, are we? Is that in the plan? That doesn't matter. Pay off the car. You're losing 9% to it a year.

• 1:28:30Speaker 02

  All right. Well, once I have a job, then I guess I'll start making double pay.

• 1:28:33Caleb Hammer?

  That'll never happen. So what are we even talking about?

• 1:28:38Caleb Hammer?

  I agree with him. You should pay that off. Your aunt's a dumbass. She thinks credit is everything in the world. You'll have okay credit. Okay, who's Capital One checking?

• 1:28:50Speaker 02

  Me.

• 1:28:51Caleb Hammer?

  Oh. Guys, all I eat every day is three to four meatballs and my ranch. Okay, so Caleb comes and says, "Well, no, no, no, you can eat healthy." But hey, if I ate a few slices of cheesecake from Cheesecake Factory, that would be my entire caloric amount for the day. Then she says, "A good thing I don't do that." Unfortunately, actually, yes, she does. First thing on here is Cheesecake Factory. Ha, fat bitch. Hat Creek Burger, audible. Can't get up to go pick up the book, can we? I'm sorry.

• 1:29:24Speaker 02

  Actually, I have over six hundred books.

• 1:29:26Caleb Hammer?

  Actually, no, I'm not, because then he went to Krispy Kreme. So I'm not that sorry. Come on, it's like the worst calories you could ever eat.

• 1:29:31Speaker 02

  Yeah.

• 1:29:31Caleb Hammer?

  Delicious. Horrible. You can't tell me you're dieting and have Krispy Kreme. Hat Creek Burger, Cheesecake Factory, within two days of each other.

• 1:29:41Speaker 02

  Uh, cheesecake was for my family.

• 1:29:43Caleb Hammer?

  It doesn't matter. You can't tell me you're-

• 1:29:45Speaker 02

  That's not me eating it.

• 1:29:47Caleb Hammer?

  Okay, you gotta have a bite.

• 1:29:49Speaker 02

  No.

• 1:29:50Caleb Hammer?

  Okay, well, you went to Krispy Kreme, twenty dollars.

• 1:29:52Speaker 02

  That was for our family.

• 1:29:54Caleb Hammer?

  Yeah, okay, yep, everything's not me. Shut up, Hat Creek Burger.

• 1:29:57Speaker 02

  I mean, I did have a Krispy Kreme.

• 1:29:59Caleb Hammer?

  Shut up. Torrid, Nuevo Mexico. Taciera, Taciera, how do you say it? You're Mexican. Taqueria.

• 1:30:12Caleb Hammer?

  Nuevo Mexiquino, Mexico. Jeez.

• 1:30:15Speaker 02

  Nuevo.

• 1:30:15Caleb Hammer?

  You went in, you got some bullshit. Lane Bryant. Snapchat, you freak.

• 1:30:21Speaker 02

  Oh, oh.

• 1:30:21Caleb Hammer?

  Store, Slim Chickens. No.

• 1:30:25Speaker 02

  No.

• 1:30:25Caleb Hammer?

  Einstein Bros. It's like just sugar in a cup. Bullshit. Bullshit. Cash App. Sushi. Petco. Lowe's, yeah. Mighty Fine Burger, that is so unhealthy. That is so unhealthy.

• 1:30:41Speaker 03

  The Mighty Fine's me.

• 1:30:43Caleb Hammer?

  You didn't eat the total fifty dollars.

• 1:30:45Speaker 03

  Oh, no, if it's fifty dollars, that's both of us. But if it's any Mighty Fine at twenty dollars, that's just me.

• 1:30:49Caleb Hammer?

  Uh huh.

• 1:30:50Speaker 02

  And you're not gonna have any twenty dollars.

• 1:30:51Caleb Hammer?

  And it's good.

• 1:30:53Speaker 02

  That was before I stopped eating.

• 1:30:54Caleb Hammer?

  But it ain't the thing. Dutch Bros, sugar in a cup. Slim Chickens. Again, Mardel.

• 1:31:01Speaker 02

  Dutch Bros, I get zero sugar stuff. I don't-

• 1:31:04Caleb Hammer?

  You get what?

• 1:31:04Speaker 02

  The zero sugar things.

• 1:31:07Speaker 02

  And the protein milk stuff that they add.

• 1:31:11Caleb Hammer?

  You know, the protein shit is never low calories. You get protein, you're the average fat person that thinks if they get something protein, it immediately makes it healthy. Protein is not low calorie.

• 1:31:21Speaker 02

  Yeah, I'm realizing that now.

• 1:31:22Caleb Hammer?

  Oh, I can't figure it out in the middle of this episode, end of this episode.

• 1:31:26Speaker 02

  Oh, no.

• 1:31:26Caleb Hammer?

  So, USA 2000, you started with $27, dude. Southwest, Sonic, I have to ask the question.

• 1:31:34Speaker 02

  What? Sonic wasn't me on that.

• 1:31:36Caleb Hammer?

  No, Southwest.

• 1:31:38Speaker 02

  Dad, you want to see his dad?

• 1:31:40Caleb Hammer?

  Do you fly?

• 1:31:42Speaker 02

  Uh, yeah.

• 1:31:45Speaker 02

  One.

• 1:31:46Caleb Hammer?

  Really?

• 1:31:47Speaker 02

  Yeah.

• 1:31:47Caleb Hammer?

  Okay, had to ask.

• 1:31:48Speaker 03

  Uh, Southwest is not flights.

• 1:31:51Caleb Hammer?

  Sonic, Dutch Bros, Apple Cash, Tagadog, Market, the Texan.

• 1:31:55Speaker 02

  Not flight.

• 1:31:56Caleb Hammer?

  The Taxin Cafe, Mighty Fine Burger, he's back. Siri Foods, Apple Bill, Hulu, Adobe. Listen, he keep, well, he doesn't pay off the card that you use, but the finances are fine. He's allowed to do this. He's allowed to. I'm not gonna freak out about this, actually. He should pay off the credit card, but you use to say you need to take it from her so she doesn't use it. Apple Bill, Hulu, Adobe, Mighty Fine Burger, Southwest, Apple Bill, Crunchyroll, Apple Cash, Apple Cash, Apple Cash, Bussin' Booms, Hot Dotty, Zalnau, Animal Draft House, Turbo Tax. Dude, you're just a normal employed dude. Why are you spending $300 on Turbo Tax?

• 1:32:29Speaker 03

  Uh, well, I'm not really good with my finances. I have my dad help me and so I was getting the extra.

• 1:32:34Caleb Hammer?

  You're a W2 job. What the [__] are you doing?

• 1:32:36Speaker 03

  Well, also, the, um, the mortgage.

• 1:32:42Caleb Hammer?

  You didn't have to spend 300?

• 1:32:44Speaker 03

  Yeah, well, I'm not very good at that, so.

• 1:32:45Caleb Hammer?

  Uh, H B Nintendo. Okay. What? In our so far savings account, I'll switch to Chime, by the way. Get $200 when you sign up for Chime, chime.com/ka. That's where I keep my high-yield money myself. Korean barbecue is not, uh, healthy. Yes, it is protein, but it is very greasy protein.

• 1:33:05Speaker 03

  Yeah, that's just a spurge.

• 1:33:06Caleb Hammer?

  5,000 in the savings, move it to Chime, but that's good. Cause you're not bad. You're a bad person, because you beat your wife. But besides that, well, you're right. I don't want to lie. She's not your wife.

• 1:33:19Speaker 03

  Past tense, at least.

• 1:33:22Speaker 02

  Oh.

• 1:33:22Caleb Hammer?

  I did said beat.

• 1:33:24Speaker 03

  Okay.

• 1:33:24Caleb Hammer?

  Not beating.

• 1:33:25Speaker 03

  Emphasis, that's all.

• 1:33:28Caleb Hammer?

  It shows that relationships desperate enough can survive anything.

• 1:33:33Caleb Hammer?

  Okay, eighty one dollars on our fidelity. I assume that one's you.

• 1:33:38Speaker 02

  Nope.

• 1:33:38Speaker 03

  All the fidelities are mine.

• 1:33:40Speaker 02

  I don't have anything like that.

• 1:33:42Caleb Hammer?

  Well, then I'm expecting something a little juicier. There it is, five thousand four hundred. That's good. Okay, definitely behind for your age unless there is more. Twenty four thousand, that's good. And for your income, you're getting somewhere, but unfortunately she holds you down. When we calculate the retirement score. I can budget your money, but I can't budget your calories and you're just gonna have to track this shit. Have you ever actually tracked your calories?

• 1:34:07Speaker 02

  From how long?

• 1:34:08Caleb Hammer?

  On a daily basis? You put into like my fitness pal?

• 1:34:12Speaker 02

  A week.

• 1:34:12Caleb Hammer?

  Hmm, do that and you'll actually learn what is the reality because we know for a fact just you stopping and getting those cokes. And you just consume more than you think.

• 1:34:21Speaker 02

  Yeah.

• 1:34:21Caleb Hammer?

  And that's just a fact.

• 1:34:23Speaker 02

  That I consume more in like liquid than I do physical.

• 1:34:26Caleb Hammer?

  Probably.

• 1:34:26Speaker 02

  Eating.

• 1:34:28Caleb Hammer?

  It still counts, doesn't matter.

• 1:34:29Speaker 02

  Yeah.

• 1:34:30Caleb Hammer?

  And if you don't move much, three hundred seventy two dollars and sixty three cents is your debt minimum to payments outside of the mortgage. Mortgage is two thousand two hundred eighty six fifty one.

• 1:34:39Caleb Hammer?

  Gas, electric, utilities, all that combined, how much?

• 1:34:42Speaker 02

  Gas is in car gas or is in house gas?

• 1:34:44Caleb Hammer?

  House.

• 1:34:44Speaker 03

  I'd round it to about a thousand.

• 1:34:47Caleb Hammer?

  For all utilities?

• 1:34:48Speaker 02

  Yeah.

• 1:34:49Speaker 03

  Uh, sorry, I count groceries in there, so we'd say like seven hundred.

• 1:34:53Caleb Hammer?

  Okay, well, your groceries are gonna be higher because you're going out to eat less, but groceries. Uh, yeah, necessary food, six hundred bucks, meal plan, meal prep, that's based off of HEB, your favorite place in the world. Gas, a boom, boom, drive, drive, how much?

• 1:35:04Speaker 02

  It's different for both of us.

• 1:35:05Caleb Hammer?

  I know, combined.

• 1:35:06Speaker 03

  I spend a hundred a month.

• 1:35:07Caleb Hammer?

  Yeah.

• 1:35:08Speaker 02

  I spend like almost three hundred a month.

• 1:35:10Caleb Hammer?

  What is wrong with you? Four hundred, you don't have a job.

• 1:35:14Speaker 02

  I drive to see my family to help them out and they pay me sometimes and then I'm also driving.

• 1:35:18Caleb Hammer?

  Enough for that based on what you told me earlier.

• 1:35:20Speaker 02

  Yeah, no, they don't.

• 1:35:21Caleb Hammer?

  Shit, you're so.

• 1:35:23Speaker 02

  I drive.

• 1:35:23Caleb Hammer?

  Car insurance, how much?

• 1:35:25Speaker 02

  Uh, I have to pay two hundred a month.

• 1:35:28Speaker 03

  Mine's basically a hundred rounded.

• 1:35:31Caleb Hammer?

  Phone bill?

• 1:35:33Speaker 02

  Nothing for me.

• 1:35:34Speaker 03

  Uh, mine was...

• 1:35:37Caleb Hammer?

  Is, tell me is.

• 1:35:38Speaker 03

  Well, starting next month, it's gonna be 180 for the year.

• 1:35:42Caleb Hammer?

  Are you paying it for the year?

• 1:35:43Speaker 03

  Yes.

• 1:35:44Caleb Hammer?

  Yeah, that's fine. You just take care of that as needed out of the TP fund. TP fund, anything else to survive 250? Anything else you need to survive on a monthly basis? You, okay, you can do therapy. What is it? Like, it's like a...

• 1:35:54Speaker 02

  It's free.

• 1:35:55Caleb Hammer?

  What?

• 1:35:56Speaker 02

  Yeah, there is insurance, it's free.

• 1:35:57Speaker 03

  Thirty.

• 1:35:58Speaker 02

  Oh, oh, I have therapy and then I have psychiatry. Psychiatry's thirty.

• 1:36:02Caleb Hammer?

  How much a month for co-pays?

• 1:36:03Speaker 02

  Oh, once a month? Maybe less?

• 1:36:07Caleb Hammer?

  How much a month for co-pays? A number?

• 1:36:10Speaker 03

  Thirty a month, just put thirty a month.

• 1:36:12Caleb Hammer?

  Is there a gym?

• 1:36:13Speaker 02

  No, a home gym.

• 1:36:16Caleb Hammer?

  Subscriptions, I'll get fifty. You have any pets?

• 1:36:18Speaker 02

  Two.

• 1:36:18Speaker 03

  Yes.

• 1:36:19Caleb Hammer?

  What?

• 1:36:20Speaker 02

  Um, a almost three-year-old Chow La mix and then a almost two-year-old pit husky mix.

• 1:36:28Caleb Hammer?

  Hundred dollars pet insurance, how much for pet food?

• 1:36:30Speaker 02

  We don't do pet insurance.

• 1:36:32Caleb Hammer?

  Exactly, I'm telling you to.

• 1:36:33Speaker 02

  No, we don't, we choose not to.

• 1:36:35Caleb Hammer?

  No, you will now.

• 1:36:36Speaker 03

  When I did do pet insurance, it was a hundred and twenty.

• 1:36:40Caleb Hammer?

  For one?

• 1:36:41Speaker 03

  Uh, for both of them.

• 1:36:42Caleb Hammer?

  Okay, you're gonna get good pet insurance, you have to shop the market, it's annoying.

• 1:36:44Speaker 03

  It's like MetLife or something.

• 1:36:46Caleb Hammer?

  But you have to do it bec- well, I don't know about that one. But you have to do it because you will not be able to afford, you guys clearly, you'll go into care credit debt if an emergency happens.

• 1:36:55Speaker 03

  Right.

• 1:36:55Caleb Hammer?

  Hundred dollars pet insurance, how much for pet food?

• 1:36:58Speaker 02

  It's about a hundred dollars a month.

• 1:37:00Caleb Hammer?

  Okay, anything else that needs to be in this budget that I have not put in this budget?

• 1:37:03Speaker 02

  Can you think of anything?

• 1:37:05Speaker 03

  No.

• 1:37:06Caleb Hammer?

  Oh, yeah. Even with the money you guys come in, you're hundreds behind. You need to stop being pathetic and go get a job. You've got a mortgage that is way too expensive for your income, it's fifty percent of your income, that's insane. That was a horribly stupid choice to make.

• 1:37:21Caleb Hammer?

  You can't budget your way out of this, guys. This isn't budgeted, this is you need to go make more money, or you need to go work a second job, if she's not willing to step up, which...

• 1:37:30Caleb Hammer?

  So, big choices to make, but that's it, you can't, you guys are behind by like five hundred dollars.

• 1:37:35Speaker 02

  A month?

• 1:37:35Caleb Hammer?

  Yeah, for minimum expenses.

• 1:37:37Speaker 02

  That's my expenses, yeah.

• 1:37:39Caleb Hammer?

  That, no wonder that credit card is not being paid off and it's only going up that USAA.

• 1:37:42Speaker 02

  Yeah.

• 1:37:43Caleb Hammer?

  So, this is all, guys. Go get a job, any job, I don't care. Five hundred makes you break even. Make, make a thousand and all of a sudden we're starting to talk progress. Besides the student loans, all of a sudden, with the... Grab it out of 2,000? The car? Well, maybe, okay, but the car instead of, yeah, it'll take a couple of years. No, no, no, take a year and a half with the car. Okay. But still, grandpa, credit card, car, year and a half, done. If you make a thousand bucks. Uh, no, 1,500 for that. But still, if you get a normal job, you can. We're just gonna stop being pathetic. The way out is easy because the debt's not that bad. Right now, you're under because you won't apply for a job that isn't your special little perfect job. And if you stick with that, that's your choice. Join us for the post show. She is gonna try to get some money because she is gonna call her friend and confront her

• 1:38:28Caleb Hammer?

  that we talked about earlier in the episode that is that she lent money to that has not paid her back yet. So we are gonna do that. And there's some more things to talk about. This dude wants to start a company with the so

• 1:38:39Caleb Hammer?

  um, okay, so there's a lot to talk about on the post show. Let's get the hammer financial score first. Spending in a budget for the household, you overspend, you're a 10 debt. No collections.

• 1:38:48Caleb Hammer?

  Family debt, though, that's gonna bring it down to a one. Emergency fund, there was savings, but for the household, it brings it down. It's gonna be about a three out of 10 there. Retirement, same thing. It would have been almost like an eight or a nine out of 10 for you, but since she's a part of it. Oopsies, four out of 10. Real estate, that's a good part. What's the house worth?

• 1:39:02Speaker 03

  Uh, 240.

• 1:39:06Caleb Hammer?

  Okay, it's okay. Interest rate's not great. It's not my preferred, six out of 10. Actually, for the, no, the mortgage is way too expensive for you. Five out of 10. It's actually a dangerous house to get into. I, I want, I want to bring that down, but I'm not gonna.

• 1:39:19Caleb Hammer?

  Hammer financial score, get yours at CalebHammer.com. Yours is three out of 10. Click join, join Hammer Elite, best membership on YouTube. Hundred thousand active members on a monthly basis for a reason. It's incredible. The value provided, three premium shows every single day, six days a week. It's awesome. Everyone loves it. Come join us in the post show.

• 1:39:34Speaker 02

  Are you able to pay me back that money yet? So you know I'm broke. Yeah, but you also know that I don't have a job right now. And like 60 bucks is 60 bucks. Like, that's easily a tank of gas for me.

• 1:39:44Caleb Hammer?

  You surround yourself with bad people.

• 1:39:46Speaker 03

  If I don't surround myself with bad people and I worked better myself, I would expect that you'd do the same.

• 1:39:51Speaker 02

  Yeah, but you also know that I don't have friends because since you don't want to go out and do stuff, I just stay home.

• 1:39:58Caleb Hammer?

  I just launched the brand new Hammer Elite app, available on every major platform. To celebrate the app launch, I'm offering 30% off the annual plan in the month of June only. Plus, I have an exclusive offer just for you. But I'll only have 1,000 available to purchase. You'll get lifetime access to the entire Hammer Elite catalog and my Hammer for Life box packed with limited edition merch. Download the Hammer Elite app by using the link in the description or pin comment down below. This is the best membership you'll ever join, and that's a promise.

• 1:40:29Speaker 00

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