Str*pper Stormed Off Financial Audit

🍿 WTFFFFFFF SHE IS MESSAGING OTHER GUYS BEHIND HIS BACK and sending N*DES ---- but even worse… I read the text messages between these two, and he’s evn more evil tgan he came accross in the main episode… watch the post show here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join 💵📱Download the *DollarWise Budgeting App* today: *Apple:* https://apple.co/4iChGhr *Google Play:* https://bit.ly/sb-googleplay Don't overcomplicate this crap! All you need is an automated / SIMPLE budget. *AND REMEMBER* those who sign up for DollarWise Premium *annual* get a signed version of the Cook Book, just submit proof of purchase here: https://tally.so/r/3xzPq5 💸🤑💰 *FREE TRIAL* To make our classes and budgeting app *more affordable*, we bundled them together for an *80% DISCOUNT* and for this month only, you can try DollarWise Central for *free* - check it out here and change your life: https://dollarwise.com/dollarwise-central/ 🔋⚡🥤🔋 *STOP SPENDING $4 ON BS ENERGY DRINKS* Gamersupps tastes better and costs only *$0.25 per serving* - use my link, and save 10% https://gamersupps.gg/caleb and if you want *FREE SAMPLES* to test, just type in code CALEB ___________________________________________ ▶SPONSORS: Click this link https://boot.dev/?promo=CALEBHAMMER and use my code CALEBHAMMER to get 25% off your first payment for boot.dev Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78 Roll over your 401(k) at https://hicapitalize.com/caleb and see site for full terms. This video is sponsored by Capitalize! #ad @hicapitalize ___________________________________________ ▶EDUCATION: 1. Get your own free Hammer Financial Score: https://www.calebhammer.com 💸🤑💰 2. Get all of my educational programs for a much lower cost here, including the premium version of my budgeting app: https://dollarwise.com/dollarwise-central/ 💸💸💸💸 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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• 0:30Speaker 01

  LinkedIn is pretty amazing at helping you grow your small business. We cannot stop your new clients from emailing you at 3 a.m.

• 0:39Speaker 01

  We can help you sell, market, and hire in one place. We cannot help you be in three places at once.

• 0:47Speaker 01

  And while we can't help you organize your calendar, LinkedIn can help you land more clients so you have a calendar to organize. Grow your small business on LinkedIn. Learn more at LinkedIn.com/smallbusiness.

• 1:00Caleb Hammer?

  To watch episodes of Financial Audit a week earlier, check us out on YouTube. I told my pregnant wife to skip the mortgage payment so we could make our credit cards.

• 1:08Speaker 03

  Oh, so you lied to me? And you got a [bleep] $3,000 computer. Shut the [bleep] up.

• 1:12Speaker 04

  Every single time I got money, it all went to you.

• 1:15Caleb Hammer?

  She's saying she does not feel like she ever gets treated.

• 1:17Speaker 03

  I don't [bleep] know what [bleep] you want. What do you [bleep] do you want?

• 1:20Speaker 04

  I'm done.

• 1:21Speaker 03

  Did I get you out of your parents' house? Did I...

• 1:25Caleb Hammer?

  The tools to change your life have just been upgraded. Download my budgeting app, rebranded to Dollar Wise, today and start your free trial. Sign up for the annual version and I'll send you my budget-friendly cookbook that can't be purchased anywhere else, and I'll personally sign it and mail it directly to you. Download the Dollar Wise budgeting app today and take advantage of your free trial.

• 1:47Speaker 04

  Hi, my name is Pixie. I'm 22 years old.

• 1:50Speaker 03

  I'm Levi and I'm 24 years old. We are from the Gulf Coast of Mississippi.

• 1:53Speaker 04

  And this is Financial Audit.

• 1:57Caleb Hammer?

  I told my pregnant wife to skip the mortgage payment so we can make our credit cards. Is the one and only note I have, what the is, that is not a good start. I'll be honest. Thanks for coming in from the Gulf Coast, guys. That's crazy. Well, you guys are young to have a mortgage, so this is exciting. Gulf Coast, probably not one of the more expensive areas. I know Mississippi sure isn't.

• 2:26Speaker 04

  Yeah, it'd be cheap.

• 2:28Caleb Hammer?

  It'd be cheap.

• 2:29Speaker 03

  No, not really. She's lying. She does not know money.

• 2:32Caleb Hammer?

  She does not know money?

• 2:34Speaker 04

  No, actually, I don't.

• 2:35Caleb Hammer?

  Okay.

• 2:36Speaker 04

  He was actually the guy who taught me a lot about money and got me to get certain credit cards whenever I was 21, so.

• 2:44Caleb Hammer?

  It's okay. We're all informed on different things. Well, that's okay that you don't know money. He doesn't understand hairlines. Like, we got it. It's, we all got our own issues, okay? It's okay. Um, what do you do for a living, Pixie?

• 2:59Speaker 04

  Um, right now, um, I was unemployed for a little minute and then I just.

• 3:05Caleb Hammer?

  Little minute?

• 3:06Speaker 04

  I just now.

• 3:07Caleb Hammer?

  How long was the little minute?

• 3:08Speaker 04

  Um, I don't know. How long was the?

• 3:11Speaker 03

  I mean, technically, she's been unemployed for like a whole year now, I would say.

• 3:16Caleb Hammer?

  Why are we saying technically?

• 3:18Speaker 03

  Uh, well, she was a for a while, uh, but she's not licensed.

• 3:22Caleb Hammer?

  That's how you guys met?

• 3:23Speaker 03

  Uh, no, actually.

• 3:25Caleb Hammer?

  You didn't pay?

• 3:26Speaker 03

  No, no, I don't go to clubs, I'm sorry. I don't, I don't, uh, go in with any of that.

• 3:30Caleb Hammer?

  This is not linking.

• 3:32Speaker 03

  Uh, we, we actually met at, uh, we worked at the same job. We worked at a car wash together. Um.

• 3:38Caleb Hammer?

  It's a strip car wash?

• 3:40Speaker 03

  No, no, it's, it's a regular car wash, an express wash, um, you know, go up to the station, buy a wash, drive on through.

• 3:48Caleb Hammer?

  Okay, okay.

• 3:49Speaker 03

  Regular run of the mill.

• 3:50Caleb Hammer?

  So you're putting out tits?

• 3:52Speaker 04

  Uh, yeah, for, for, um, almost two years, I was like.

• 3:57Caleb Hammer?

  Full booby dancing.

• 3:58Speaker 04

  It was, it was fun.

• 4:00Caleb Hammer?

  I'm sure people. Enjoyed it? Did you make money?

• 4:04Speaker 04

  I made a lot of money.

• 4:05Caleb Hammer?

  Pregnant squirrels, yeah. Yeah, they usually end up there.

• 4:12Caleb Hammer?

  That is true. Were you guys dating the entire pregnant?

• 4:15Speaker 03

  Uh, yes. So...

• 4:17Caleb Hammer?

  So you never did a backroom deal?

• 4:19Speaker 04

  Well, we were dating even before I was a stripper.

• 4:21Speaker 03

  Yes.

• 4:21Caleb Hammer?

  You never did a backroom deal then? Because here's the thing, I'll be honest.

• 4:27Caleb Hammer?

  Which you probably wouldn't admit to, but here's the thing, I I've only had one other stripper on as far as I can remember. But I've had many a people on the show that have gone to strip clubs and they've all paid to stick it in. Every single one of the dudes.

• 4:44Caleb Hammer?

  Never once?

• 4:45Speaker 03

  I will say that is not me either.

• 4:48Caleb Hammer?

  I hope so. Oh, very giggly, okay.

• 4:52Speaker 04

  Uh, yeah.

• 4:53Caleb Hammer?

  We're happy to be here.

• 4:53Speaker 04

  I do that when I'm nervous.

• 4:54Caleb Hammer?

  Okay, yeah, I know, it's a cope giggle. It's okay, it's okay. Uh, good, well, I'm glad you didn't do that because again, all of a sudden that just started becoming my perception after every dude that was like going to strip clubs and spending money have had stick it in. Actually, and then I had one other stripper, we never even uploaded the episode because she came all fucked up and we didn't even realize it until like

• 5:14Speaker 04

  Like on drugs?

• 5:14Caleb Hammer?

  And we didn't realize it until 15 minutes in, then we were like, we can't film this. Um, and you need to go get help, but, and she was sucking for money, so, uh, so that was my perception.

• 5:23Speaker 04

  Yeah, no.

• 5:24Caleb Hammer?

  I'm happy to hear you have it. Do I fully believe it or not sure?

• 5:26Speaker 04

  I've never done that before. Actually, I've been offered, um, in a backroom, some dude whilst I was like giving him a dance, he was like, if I give you a hundred extra dollars, will you suck my dick? And I took-

• 5:37Caleb Hammer?

  A hundred dollars?

• 5:38Speaker 04

  I, I took the money.

• 5:39Caleb Hammer?

  A hundred dollars? Worth it? What does this usually cost?

• 5:41Speaker 04

  Huh?

• 5:41Caleb Hammer?

  What does it usually cost?

• 5:43Speaker 04

  Well, up there, it was $300 for the 30 minute room and that's like where he took me. And he had already given me the money and then I was like, okay, well, he could give me the like-

• 5:53Caleb Hammer?

  What did your coworkers accept to go down?

• 5:56Speaker 04

  Huh?

• 5:56Caleb Hammer?

  What did your coworkers accept to go down? What's the going rate?

• 5:59Speaker 04

  Um, well, up there, like it was like $300, like flat.

• 6:03Speaker 03

  He's, he's asking how much it costs to fuck.

• 6:06Caleb Hammer?

  To sucky sucky.

• 6:07Speaker 04

  Oh, I have no clue.

• 6:08Caleb Hammer?

  Come on, your friends didn't ever discuss you and your coworkers?

• 6:11Speaker 04

  I was never friends with any of them at that point.

• 6:13Caleb Hammer?

  You guys didn't talk?

• 6:13Speaker 04

  No, and none of them really admitted to it because they would get like-

• 6:16Caleb Hammer?

  I think the stripper that came up, because they'd get AIDS?

• 6:19Speaker 04

  They'd get insta-fired.

• 6:20Caleb Hammer?

  Oh.

• 6:21Speaker 04

  For prostitution.

• 6:22Caleb Hammer?

  That too, probably. That too, probably. Um, yeah, I think the one girl that came on the show said 500 or a thousand.

• 6:28Speaker 04

  What the?

• 6:31Speaker 04

  No.

• 6:32Caleb Hammer?

  There's two hundred. I don't know. Um, yeah, it's really sad. That's why I'm just glad to hear you haven't done it. You say you have a job now, though. I assume it's not stripping. We're pregnant, even though I bet some would enjoy seeing a little head peeking through.

• 6:47Speaker 04

  Actually, they they told me that once I was like showing like too far that I wasn't allowed to like show my face up there anymore.

• 6:54Caleb Hammer?

  Oh, they fired you?

• 6:56Speaker 04

  Well, they fired me.

• 6:57Caleb Hammer?

  Fired for being a stripper?

• 6:57Speaker 04

  They told me I could come back.

• 6:59Caleb Hammer?

  When you were done with the pregnancy?

• 7:01Speaker 04

  Yeah.

• 7:03Caleb Hammer?

  Sure, sure. Okay, what do you do then? What do you do? You said you said you were unemployed, but now you're not. Is what you're suggesting.

• 7:09Speaker 04

  Uh, yeah, I just got a job at Domino's.

• 7:12Caleb Hammer?

  Okay, good, good, good, good. As a delivery driver. So Tippin, how long have you been doing that?

• 7:17Speaker 04

  I literally just started.

• 7:18Caleb Hammer?

  I was a delivery driver for Jimmy John's. Honestly, same age, at 22. I mean, I did it from like 18 to 22, I think. So just about that.

• 7:26Speaker 03

  Sorry.

• 7:28Caleb Hammer?

  What?

• 7:28Speaker 04

  Why are you laughing?

• 7:29Speaker 03

  Because you said 18 to 22, and she's 22, and she's just now starting it. Sorry, I think that's funny.

• 7:35Caleb Hammer?

  She was grinding. She was stripping.

• 7:36Speaker 03

  Yeah, she was grinding. Okay, yeah, I'm I don't.

• 7:38Caleb Hammer?

  That pole.

• 7:39Speaker 03

  I don't. I don't like.

• 7:41Caleb Hammer?

  And men's labs.

• 7:42Speaker 04

  I was a fucking hustler.

• 7:43Speaker 03

  Yeah, she was a hustler.

• 7:45Caleb Hammer?

  She was bouncing on dick that were in jeans.

• 7:48Speaker 03

  Wearing jeans. She did not know about. She did not know about the towel trick until I told her about the towel trick.

• 7:55Speaker 04

  Yeah, you bring a little towel and you just like lay it on their lap and.

• 7:59Speaker 03

  That way, that way, there's another layer of protection.

• 8:02Caleb Hammer?

  Uh, I don't know. That's not my scene. Apparently, it's yours. If you know the trick.

• 8:07Speaker 03

  No, I just watch a lot of videos.

• 8:09Speaker 04

  He's never gotten a lot of.

• 8:09Caleb Hammer?

  Ah, yeah, stripper videos. Everyone's favorite. So what do you make? How long have you been doing this?

• 8:14Speaker 04

  Uh, which one?

• 8:16Caleb Hammer?

  Domino's.

• 8:17Speaker 04

  The a day.

• 8:18Caleb Hammer?

  So you don't know how much you're gonna make.

• 8:21Speaker 04

  Oh, have.

• 8:22Caleb Hammer?

  Tips and everything.

• 8:22Speaker 04

  No.

• 8:24Caleb Hammer?

  What's your, what's your wage hourly?

• 8:26Speaker 04

  Uh, they said it was eight dollars.

• 8:29Caleb Hammer?

  They said it was eight dollars? You don't know?

• 8:31Speaker 04

  In store, in store.

• 8:32Caleb Hammer?

  And then, once you're on the road, it goes down.

• 8:34Speaker 04

  Yeah, it's like four dollars.

• 8:36Caleb Hammer?

  Yeah, that's traditional. Okay.

• 8:37Speaker 04

  And then, like, uh, the guy-

• 8:39Caleb Hammer?

  How many tips did you get that night?

• 8:41Speaker 04

  Uh, it was like thirteen dollars, but I only did like four deliveries and like-

• 8:45Caleb Hammer?

  Over how long?

• 8:46Speaker 04

  I was like splitting it with the guys training me. Um, it was just like a few hours.

• 8:52Speaker 03

  It was literally two hours.

• 8:53Caleb Hammer?

  Training do you need to drop off pizza? I didn't get trained to drop off sandwiches.

• 8:56Speaker 04

  They're making sure you're not, you know?

• 9:00Caleb Hammer?

  And are you?

• 9:01Speaker 04

  I'm not.

• 9:01Speaker 03

  A little bit.

• 9:02Caleb Hammer?

  Is she? Okay. Yeah, okay. And what do you do? Cause you must make money in order to pay these bills. Except what bills? We're suggesting to skip mortgages. So, I'm assuming I do it incredibly well. Okay, that, yes, your pedo smile is really- glaring through me.

• 9:19Speaker 03

  Uh-

• 9:20Caleb Hammer?

  These laughs are loud, ladies and gentlemen. I don't know how this is of- translating to the other side, but my ears are bleeding.

• 9:27Speaker 03

  Uh, so currently I am a cellar man at a brewery. Uh, so I can and keg, uh, beers, seltzers.

• 9:34Caleb Hammer?

  What do you make?

• 9:35Speaker 03

  Uh, I'm making sixteen dollars an hour right now.

• 9:38Caleb Hammer?

  Damn.

• 9:41Caleb Hammer?

  It's like basically the only income in the house? How many hours a week are we working?

• 9:46Speaker 03

  Uh, thirty-five to thirty-seven.

• 9:49Speaker 04

  He tries to hit forty, but he usually comes home for an hour every day for lunch, which-

• 9:55Speaker 03

  Yeah, we, I have recently stopped that. So there was a point in time where I was coming back home because she wasn't home, uh, to take care of the dogs, to bring them outside and whatnot.

• 10:04Caleb Hammer?

  Why wasn't she home?

• 10:06Speaker 03

  Cause she was at the tattoo shop. She's also a tattoo apprenticeship.

• 10:08Speaker 04

  Oh, yeah, I have a tattoo apprenticeship. Sorry.

• 10:10Caleb Hammer?

  Why not just do something that we're just not making money? Yeah, why not? Okay, great.

• 10:13Speaker 03

  That, that's my exact thought too.

• 10:15Caleb Hammer?

  That's your exact thought too?

• 10:16Speaker 03

  Yeah.

• 10:16Caleb Hammer?

  What are the conversations around this?

• 10:18Speaker 03

  Uh, well, okay, so at first-

• 10:19Speaker 04

  I've been in and out of it for like- A few years, like whenever I was 18.

• 10:25Caleb Hammer?

  Right, it's very effective.

• 10:26Speaker 04

  Yeah, whenever I was 18, I started an apprenticeship, like right out of high school. And that person, um, like he ended up like doing some really bad

• 10:39Speaker 04

  um, and he had to like skip state and so I never ended up like getting.

• 10:42Caleb Hammer?

  Yeah, but what's your thoughts on this? Cause you're against it. I'm talking about what's the conversation like around these?

• 10:46Speaker 03

  Well, I mean, at first I was fully okay with it because I did have a good paying job and we were able to pay for everything pretty much. Um, but after I lost that job and I ended up having this job. Um, I've been trying to really get her to get more of a traditional job to where she can actually, you know, put forth towards the money that we need, of course. Now that's not to, you know, put her down because obviously, yes, she was stripping. She did make lots of money. She.

• 11:13Caleb Hammer?

  You were. You were making good money.

• 11:14Speaker 03

  Yeah, she, she, well.

• 11:15Caleb Hammer?

  Do they show hole in Alabama, Mississippi? Do they show hole in Mississippi?

• 11:21Speaker 03

  No.

• 11:21Caleb Hammer?

  They don't in Texas, so.

• 11:23Speaker 04

  Well, uh, the club that I worked at here, uh, in Mississippi, um.

• 11:28Caleb Hammer?

  It was a hole club?

• 11:30Speaker 04

  The, the, there was nudity, but like only on stage, like.

• 11:34Caleb Hammer?

  Holes?

• 11:35Speaker 04

  Yeah, like the girls could get naked.

• 11:37Caleb Hammer?

  Whoa, that's illegal in Texas.

• 11:39Speaker 04

  Yeah, but like the only.

• 11:40Caleb Hammer?

  I think, right?

• 11:41Speaker 04

  The only requirement was that like.

• 11:43Caleb Hammer?

  Illegal in Austin?

• 11:46Speaker 04

  Yeah, the only requirement was that like you're not on the edge of the stage where someone could like reach out and touch you.

• 11:51Caleb Hammer?

  18 plus is full nudity. 21 plus is only topless. How does that even? Make sense?

• 11:57Speaker 03

  It doesn't.

• 11:58Caleb Hammer?

  The older you get, the less? Nudity?

• 12:01Speaker 04

  Hey, titties are titties, though.

• 12:04Caleb Hammer?

  Very weird. Titties are fine. They get boring after a while.

• 12:07Speaker 03

  Sounds kinda gay, grandpa. Do yours get boring?

• 12:09Caleb Hammer?

  Yes.

• 12:12Caleb Hammer?

  Yeah, uh, okay. So what hits your account on a per paycheck basis? And what is it like bi-weekly?

• 12:18Speaker 03

  It's a weekly and.

• 12:20Caleb Hammer?

  Yeah, what hits on weekly?

• 12:21Speaker 03

  Um, 450 to 500.

• 12:24Caleb Hammer?

  2000, how are we doing?

• 12:26Speaker 03

  Not good.

• 12:27Caleb Hammer?

  Obviously not well if we're having to potentially skip a mortgage. You guys got a house together.

• 12:30Speaker 04

  Um.

• 12:31Caleb Hammer?

  How long have you guys been together?

• 12:32Speaker 03

  Two years.

• 12:32Speaker 04

  Yeah, about two years.

• 12:33Caleb Hammer?

  You guys met at the car wash?

• 12:35Speaker 03

  Yes.

• 12:35Caleb Hammer?

  How like quickly did you guys get together?

• 12:38Speaker 03

  Uh, we were talking for about a month and then I was giving her rides home. And then I convinced her to take a ride to my house and.

• 12:49Caleb Hammer?

  The fuck? Okay.

• 12:50Speaker 03

  Not at first.

• 12:52Speaker 04

  Okay, okay.

• 12:53Caleb Hammer?

  But that was your first date? Hey, wanna come to my house?

• 12:56Speaker 04

  No, actually.

• 12:56Caleb Hammer?

  I'm taking you home.

• 12:57Speaker 04

  No, actually.

• 12:58Caleb Hammer?

  But come to mine instead.

• 12:59Speaker 04

  So what had happened was is my car, I ended up having an accident and like one of my tires blew.

• 13:06Caleb Hammer?

  Okay.

• 13:06Speaker 04

  And my boyfriend at the time refused to come in, like give me rides and like help me out. And he was kind of being a asshole about it, being like.

• 13:15Caleb Hammer?

  After a month of you taking her, you broke up and just started dating him?

• 13:18Speaker 04

  Um, I kind of didn't, I didn't break up with him until after I already went.

• 13:23Caleb Hammer?

  He was your manager. He was your manager.

• 13:26Speaker 04

  Sorry, Levi.

• 13:27Caleb Hammer?

  You went over and you fucked him before you guys broke up?

• 13:30Speaker 04

  Yes.

• 13:32Speaker 03

  Yeah, she did cheat.

• 13:32Speaker 04

  But I, I did break, like I broke up with him directly after and I didn't really get to have a physical conversation with him. Cause he kind of just texted me.

• 13:40Caleb Hammer?

  Who was the boss of him and you?

• 13:42Speaker 04

  No. What?

• 13:44Speaker 03

  What?

• 13:44Caleb Hammer?

  It's your manager.

• 13:45Speaker 03

  Yeah, I, I, I, uh, I was, I was on the low totem pole of the manager.

• 13:48Speaker 04

  Yeah.

• 13:49Speaker 03

  Uh, status, but yes, I wasn't.

• 13:50Caleb Hammer?

  Oh, you were her manager?

• 13:51Speaker 03

  Yes, I was her manager, yes.

• 13:53Speaker 04

  Yeah.

• 13:53Caleb Hammer?

  Power dynamic. So you cheated. And you broke up.

• 13:57Speaker 04

  I didn't feel, feel bad about it. I've been trying to break up with that guy for like.

• 14:01Caleb Hammer?

  You know how you do it?

• 14:02Speaker 03

  You do it.

• 14:02Caleb Hammer?

  You break up. What do you mean trying to break up? What the, what's wrong with you?

• 14:06Speaker 04

  Every single time I tried, he would like do that guilt trip like.

• 14:09Caleb Hammer?

  Yeah, yeah, walk out. I don't give a.

• 14:11Speaker 04

  I'm gonna kill myself if you leave me.

• 14:13Caleb Hammer?

  Well, maybe he does. I don't know. Doesn't mean you're forced to stay with someone.

• 14:18Speaker 03

  You could call the police if they say that. You can send them to the psych ward for the day.

• 14:22Speaker 04

  Okay, well.

• 14:24Speaker 04

  I don't want to talk about that guy.

• 14:26Caleb Hammer?

  How quickly did you guys move in together?

• 14:27Speaker 03

  Um.

• 14:28Caleb Hammer?

  Quickly did this, how quickly did this all move?

• 14:31Speaker 04

  Pretty much once he brought me home and like we...

• 14:34Speaker 03

  Did the deed.

• 14:35Speaker 04

  Um, I, I pretty much never left his house, like.

• 14:39Caleb Hammer?

  You guys moved in immediately?

• 14:40Speaker 03

  Yeah, she moved in.

• 14:41Speaker 04

  Pretty much.

• 14:42Caleb Hammer?

  Are you guys married?

• 14:43Speaker 03

  Uh, we are, uh, engaged.

• 14:45Caleb Hammer?

  When did you guys get engaged? Cause you're pregnant.

• 14:46Speaker 03

  Uh, August.

• 14:48Caleb Hammer?

  You're pregnant. Have we mentioned that yet?

• 14:49Speaker 04

  Yeah, yeah, I'm pregnant, yeah.

• 14:51Caleb Hammer?

  She's pregnant. We have mentioned that. August you got engaged?

• 14:55Speaker 03

  Yeah.

• 14:56Caleb Hammer?

  How far?

• 14:57Speaker 04

  I am almost 20 weeks pregnant.

• 15:02Caleb Hammer?

  Okay. Okay. Is that why we got engaged? Guys, if we're talking about skipping paying our mortgage, why did we get off preggy?

• 15:14Speaker 04

  Um, so whenever we had gotten the house, like, I was stripping and like, I made all the money in order for us to like make the down payment for the house thing.

• 15:24Caleb Hammer?

  Oh, it's the scene from the Big Short.

• 15:26Speaker 05

  I was a bartender, now I own a boat.

• 15:28Speaker 03

  Okay, hold on. I'm gonna, I'm gonna stop her right there because, yes.

• 15:32Speaker 04

  Like, I don't know, cause we had a house, we thought we'd be stable.

• 15:34Speaker 03

  Nah, nah, hold up. Okay. Her stripping did not pay for the down payment of the house whatsoever. The down payment was a thousand four hundred dollars, okay? Her stripping did not go towards that. Her stripping actually went towards my debt, okay? Cause I had about four thousand dollars worth of debt and had a shitty credit. No, I didn't lie to you. This is what, this is exactly what I told you and we have talked about this many times. You just don't know the money. I've tried to explain this many times.

• 16:04Caleb Hammer?

  Where's the confusion?

• 16:06Speaker 03

  The confusion is she thinks that she basically paid for the down payment of the house, but in reality, she kinda just paid my debt and got my credit higher so that we could then buy the house.

• 16:17Caleb Hammer?

  How does she not know that?

• 16:18Speaker 03

  She's a little.

• 16:19Caleb Hammer?

  Why don't you know it?

• 16:21Speaker 03

  She's slow.

• 16:22Speaker 04

  I'm not slow. Um, I guess this wasn't explained to me. I don't know. Like, I thought like, so, I was like making the money, I was pretty much like just giving it to him.

• 16:32Caleb Hammer?

  Are you her hemp?

• 16:34Speaker 03

  No, I mean, well, so.

• 16:37Speaker 04

  It was my idea.

• 16:38Speaker 03

  Yeah, I mean, it was really her idea. So I guess you could say I was quote unquote, taking advantage of her or whatever, but, I mean, I wouldn't say so because, I mean.

• 16:52Speaker 03

  Got her a house.

• 16:52Speaker 04

  I mean, at this point, I kinda do feel like...

• 16:54Caleb Hammer?

  Houses you guys can't pay for, apparently.

• 16:55Speaker 03

  Well, I mean, it'll, it'll get paid for.

• 16:59Caleb Hammer?

  Will it? I'm, I'm being told no.

• 17:02Speaker 03

  I mean, we are technically, we did miss the, uh, this last month, we are actually behind. We did pay last month's.

• 17:09Speaker 04

  Okay.

• 17:09Speaker 03

  Before the due date.

• 17:10Caleb Hammer?

  Do you even know this?

• 17:11Speaker 04

  What I hate about this?

• 17:12Caleb Hammer?

  Do you even know this?

• 17:13Speaker 04

  Okay, I thought, he told me that we'd be okay if all of a sudden I got pregnant and it'd just be his income. He told me he'd made just enough money to where he'd be able to pay the mortgage.

• 17:25Caleb Hammer?

  Two thousand dollars a month? What's your mortgage?

• 17:28Speaker 03

  Thirteen.

• 17:29Caleb Hammer?

  What? In what [bleep] world is two thousand dollars a month? How do you guys live off of that? I wouldn't be giggling. What the [bleep] you guys are doing?

• 17:37Speaker 04

  I'm nervous. I'm nervous. I'm nervous.

• 17:40Caleb Hammer?

  That's insane! In what world do you sit there, money man? She knows nothing about money, you're the money man? How the [bleep]?

• 17:49Speaker 03

  I mean, technically, if you break it down, if there wasn't any other payments, I mean...

• 17:53Caleb Hammer?

  If there wasn't any other payments, shocker, food is a payment, utilities are a payment. There's payments everywhere.

• 18:00Speaker 04

  Up until...

• 18:00Caleb Hammer?

  Life is payments.

• 18:02Speaker 04

  Up until I had to quit stripping, like, I was making our mortgage payments, I was making money for all the groceries, everything.

• 18:10Speaker 03

  She was paying for the groceries and our fun. My job at the car wash was paying for everything, because I was making about four thousand a month at the car wash.

• 18:19Caleb Hammer?

  Why the [bleep] did you leave the car wash?

• 18:21Speaker 03

  I got fired, actually.

• 18:24Caleb Hammer?

  Both fired, okay. Why were you fired?

• 18:26Speaker 03

  She quit the car wash.

• 18:28Caleb Hammer?

  Yeah, she was just fired from stripping.

• 18:30Speaker 03

  Oh, okay, yeah, okay, fair.

• 18:31Caleb Hammer?

  Why, why?

• 18:34Speaker 03

  Why, uh, why was I fired from that?

• 18:35Caleb Hammer?

  Yeah.

• 18:36Speaker 03

  Uh, there was a customer that didn't want to follow the car wash's policies, and he got handsy with me. And I essentially defended myself. The company didn't see it that way, and they fired me.

• 18:47Caleb Hammer?

  Did they have cameras?

• 18:49Speaker 03

  Yeah.

• 18:49Speaker 04

  Yeah.

• 18:50Caleb Hammer?

  And that's why they didn't see it themselves?

• 18:52Speaker 03

  I'm, I'm, I mean, whenever a person pushes you back ten, fifteen feet and advances on you...

• 18:58Speaker 04

  I also watch the footage.

• 18:59Speaker 03

  I would say that's pretty clear assault, but okay. It's, it's because they, there's a, there's a no tolerance policy against customers or something like that. I don't remember.

• 19:09Caleb Hammer?

  Well, what else happened? I mean, I was just texted what happened.

• 19:12Speaker 03

  Oh, okay, well, he advanced upon me, pretty much, and I unholstered my weapon. They have a no weapons policy.

• 19:20Caleb Hammer?

  Seems like grounds for firing.

• 19:22Speaker 03

  I mean, yeah, it is.

• 19:22Caleb Hammer?

  If they have no weapons policy and you whip out a fucking gun.

• 19:27Speaker 04

  Okay, well, like, the car wash.

• 19:29Caleb Hammer?

  That's a convenient thing to leave out that if Colton wasn't here, who already knows your entire life story, I would not have known.

• 19:37Speaker 04

  The car wash was like the most ghetto, like, area in.

• 19:43Caleb Hammer?

  That's the policy and he got fired for it and that's what happens. Maybe that shouldn't be the policy, sure, but it wasn't. He got fired for breaking the policy. Is that not fair?

• 19:50Speaker 03

  Yeah, no, it is fair. What I believe is unfair that everyone in the company knew that I carried and that I carried it for the past two years while working for the company.

• 19:59Caleb Hammer?

  Dude, you broke the rule. I like, I don't know.

• 20:01Speaker 03

  I understand. I accept. I accept what happened. Like, I, yeah.

• 20:06Caleb Hammer?

  Okay, why'd you quit and go into stripping? Who just goes into stripping?

• 20:09Speaker 04

  Well, I, I was still working at the car wash whenever I started stripping. I just, like, was making so much money that I was like, I'm making my entire paycheck, like, working at the strip club.

• 20:22Caleb Hammer?

  Why'd you pick up stripping?

• 20:23Speaker 04

  It just seemed easy. Like, I'm pretty, I'm young, like.

• 20:27Caleb Hammer?

  Yeah, for long, I don't know.

• 20:29Speaker 03

  Man, there's people that strip into their 50s making money.

• 20:31Speaker 04

  Yeah, there was a grandma on there.

• 20:33Caleb Hammer?

  Making good money?

• 20:33Speaker 04

  Hell, yeah, grandma. Go off.

• 20:36Caleb Hammer?

  Nah, okay. For those into grandmas, I mean, how much were you making? I mean, you don't really have tits.

• 20:41Speaker 04

  Do you want to donate some titty?

• 20:43Caleb Hammer?

  Oh, from this?

• 20:45Caleb Hammer?

  Happily.

• 20:47Speaker 04

  Um, in, um, in, uh, in Mississippi, I was making like five to 800. Um, and then I stopped working in Mississippi.

• 20:57Caleb Hammer?

  Five to 800?

• 20:58Speaker 03

  A night.

• 20:59Speaker 04

  A night.

• 20:59Caleb Hammer?

  Okay, how many nights a week?

• 21:00Speaker 04

  I would work like one or two nights a week.

• 21:02Caleb Hammer?

  Are you going back right after birth?

• 21:04Speaker 04

  Yeah.

• 21:05Caleb Hammer?

  Okay.

• 21:06Speaker 04

  Well, not right after, like.

• 21:07Caleb Hammer?

  But like, is that what we want to do? Cause what's the, what's the career trajectory there, right? Cause that's what we're thinking about if we're locking down what we're doing for work.

• 21:21Speaker 03

  I would love for her to not even have to work. I, I like, I

• 21:26Caleb Hammer?

  Well, 2,000 hours a month.

• 21:28Speaker 03

  I know, I know, I know.

• 21:29Caleb Hammer?

  I'm gonna say, fuck you.

• 21:30Speaker 03

  Yeah, yeah. Um, I wish I could have transferred into the same career field because there are other car washes down there. But, um, one of them is ran by an imbecile.

• 21:44Caleb Hammer?

  Why are you a car wash obsessed?

• 21:45Speaker 03

  Uh.

• 21:46Speaker 04

  He's been in it for a minute.

• 21:47Speaker 03

  I like cleaning cars.

• 21:48Caleb Hammer?

  He's 24, I don't know. I think I'm a detailer.

• 21:52Speaker 03

  No, I, okay, so I do have a mobile detailing business. I do also do that. It's just not, it's just not big.

• 21:57Caleb Hammer?

  Well, that probably, uh, yeah.

• 21:59Speaker 03

  It has, it has picked up recently, though. I have started.

• 22:05Caleb Hammer?

  When'd you guys get this house? Why'd you think you could get a house? Just because the strip money? That's not such a consistent source of income. So much life changes.

• 22:13Speaker 04

  It was, it was pretty consistent. I, I grinded.

• 22:16Caleb Hammer?

  For what, the two years you did it? I, like, that's not a career trajectory on a 30-year mortgage. 30-year mortgage, it's not a two-year mortgage.

• 22:23Speaker 04

  I mean, the plan was I was gonna strip until like, I, like, I pretty much couldn't anymore.

• 22:29Caleb Hammer?

  Well, yeah, but no offense, that depends on whose age.

• 22:32Speaker 04

  And my tattoo career was gonna help, I don't know.

• 22:34Caleb Hammer?

  Which isn't doing [BLEEP].

• 22:36Speaker 04

  Isn't doing [BLEEP] now because I'm an apprentice. I just started.

• 22:38Caleb Hammer?

  Yeah, you've been trying to do it for two years. Have you been cash flowing this?

• 22:42Speaker 03

  I have supported it.

• 22:43Caleb Hammer?

  How much has that cost?

• 22:45Speaker 03

  Uh, credit cards.

• 22:46Caleb Hammer?

  How much does that cost?

• 22:47Speaker 03

  Um, anywhere between $600 to $700.

• 22:50Caleb Hammer?

  Oh, I thought you were gonna say $1,000, okay.

• 22:52Speaker 03

  No, no, no. Now the, now the detailing business, yeah, that's more like $2,000.

• 22:58Speaker 04

  Yeah, he did ask me before he did all this stupid [BLEEP]. I was just like, if you think it's gonna be, it's gonna work, I guess.

• 23:05Caleb Hammer?

  So guys, if you can barely even afford your mortgage, and we're talking about skipping, how are you even affording, how are you even affording food? How are you even affording, like, putting food on the table?

• 23:14Speaker 03

  Uh, so we do have a lot of frozen stuff. Um, she'll eat a chicken pot pie.

• 23:19Caleb Hammer?

  That costs money. How are you affording it? That doesn't make sense.

• 23:23Speaker 03

  Some way, somehow, I mean.

• 23:24Caleb Hammer?

  What's the some way, somehow?

• 23:26Speaker 04

  My, my mother, um, she, she kept on, like, offering it, like, I kept on

• 23:32Caleb Hammer?

  Offering what?

• 23:33Speaker 04

  I kept on refusing her, but she kept on being like, "I'll buy your groceries," like.

• 23:37Caleb Hammer?

  Your mother's offered? Because she sees you guys [BLEEP]. How are you gonna afford a kid? Oh, [BLEEP], okay. And?

• 23:44Speaker 04

  Um, she, she was okay with doing it for a little while, um, and then-

• 23:50Caleb Hammer?

  How long was she paying for y'all's groceries?

• 23:52Speaker 04

  It was only like two or three weeks that she-

• 23:55Speaker 03

  Yeah, like-

• 23:55Speaker 04

  Did it.

• 23:56Caleb Hammer?

  When?

• 23:56Speaker 03

  Uh, within the last two months.

• 23:58Caleb Hammer?

  And now?

• 24:00Speaker 04

  Um, she has gotten kinda mad at, like, like she offered the help, but now she's like no longer wanting to provide said help.

• 24:09Caleb Hammer?

  Potentially good, but why? What's her reason?

• 24:14Speaker 04

  Uh, it's, she's saying it's a financial struggle on herself too-

• 24:17Caleb Hammer?

  It probably is!

• 24:18Speaker 04

  And that groceries are expensive for her too.

• 24:19Caleb Hammer?

  Probably is!

• 24:20Speaker 04

  Oh.

• 24:21Caleb Hammer?

  Also, she's enabling, probably, like, what the fuck are we doing?

• 24:24Speaker 04

  They have their own financial issues.

• 24:27Caleb Hammer?

  I'm sure everyone does.

• 24:30Speaker 03

  Yeah, yeah. I don't know, we try and be open with everything, but, I mean...

• 24:36Speaker 04

  I mean, he says that he's completely transparent about all this stuff.

• 24:39Caleb Hammer?

  Why'd you guys choose to get a fucking pregnancy?

• 24:43Speaker 03

  Oh, we didn't choose that, it was just like a-

• 24:44Caleb Hammer?

  Why weren't you wrapped up, or why weren't you peeled up?

• 24:48Speaker 03

  Well, at that po- well, whenever she, uh, whenever like this all happened, I still had my good job. So like, I was still-

• 24:56Caleb Hammer?

  No, but you just said it was a wolf's baby, that doesn't answer why you weren't wrapped up, dude. I had a good job, so I didn't, uh, wear a condom, what?

• 25:04Speaker 03

  Well, yeah, I was-

• 25:05Caleb Hammer?

  That's an interesting form of birth control.

• 25:07Speaker 03

  I mean, if someone believes that they're somewhat stable, they have a home, and they believe-

• 25:11Caleb Hammer?

  And you don't give a f- like, were you trying to get pregnant or not, or did you just not give a f-

• 25:15Speaker 03

  I-

• 25:16Speaker 04

  I think we had the illusion of security because I was stripping, and so I was making it possible for us to like-

• 25:24Caleb Hammer?

  But were you guys trying to or not? Cause you were fucking condomless, no birth control!

• 25:28Speaker 03

  Uh, I mean, I would say we ran out of condoms if anything, condoms are pretty expensive.

• 25:33Caleb Hammer?

  Dude, go to the free clinic.

• 25:34Speaker 03

  Oh, sh- yeah, you can do that.

• 25:38Speaker 03

  You can do that. Those condoms are ass though.

• 25:41Speaker 04

  I'm allergic to latex.

• 25:43Speaker 03

  Oh yeah, she is allergic to latex.

• 25:44Caleb Hammer?

  Did you not know that? What the?

• 25:46Speaker 04

  No, we-

• 25:46Speaker 03

  No, I knew that. I just forgot that.

• 25:47Caleb Hammer?

  So you're fucking wrong. Why didn't you do anything then? Like even a cup or whatever the is.

• 25:52Speaker 04

  Ah, I was on the pill for like a really long time. Um...

• 25:56Caleb Hammer?

  You guys were just straight up dropping loads. Straight up dropping loads constantly and you just didn't give-

• 26:02Speaker 04

  Spins, man.

• 26:02Speaker 03

  No, not-

• 26:03Speaker 04

  She had party naked, okay?

• 26:05Caleb Hammer?

  Yeah, it does. It absolutely does, but with no protection of any kind.

• 26:09Speaker 03

  I wouldn't say that we weren't trying and I wouldn't say that we were trying, but if it happened, we would take it as a blessing.

• 26:16Caleb Hammer?

  And is it a blessing?

• 26:17Speaker 03

  Yes, I would say it's a blessing. Even, even, even in our state that we are in and how-

• 26:23Caleb Hammer?

  Which means very not great life for the kid. Also meaning kid will grow up-

• 26:27Speaker 03

  That's not necessarily true.

• 26:29Caleb Hammer?

  Why? Explain how.

• 26:30Speaker 04

  We have lots of support.

• 26:32Speaker 03

  Thousands of kids that are born into situations-

• 26:34Caleb Hammer?

  And you think they have an incredible life?

• 26:37Speaker 03

  I believe I have an incredible life. I was born in a pretty shit situation.

• 26:41Caleb Hammer?

  Buddy, I don't know. Maybe, I think you're being a little optimistic right now, but come on, look where- You haven't landed up anywhere spectacular.

• 26:48Speaker 03

  I mean, that, okay. I love my job though. They support me. They'll help me.

• 26:53Caleb Hammer?

  Yeah, but you can't pay your mortgage.

• 26:56Speaker 04

  We have had many arguments about him getting a second job.

• 26:59Caleb Hammer?

  It's a repeated cycle oftentimes and you're bringing someone into that? Before you're even ready? Again, it's not much. You just pay off your debt before you've run out of emergency fund then, yeah. Knock it up.

• 27:08Speaker 03

  No, I, I, I understand.

• 27:09Caleb Hammer?

  Stick it to the bottom till then.

• 27:11Speaker 03

  I understand.

• 27:13Caleb Hammer?

  Right?

• 27:13Speaker 04

  I personally don't like it up my-

• 27:15Caleb Hammer?

  Is. Okay.

• 27:18Speaker 03

  I, I do like to try.

• 27:20Caleb Hammer?

  Okay, okay, okay.

• 27:22Speaker 04

  You wanna start fighting?

• 27:23Caleb Hammer?

  So it's an interesting time to bring a kid in again, cause you're bringing it into a repeated cycle. Seems pretty selfish.

• 27:30Speaker 03

  What's the best way to break a repeated cycle then with a completely unexpected thing to help you realize what the you're doing?

• 27:39Caleb Hammer?

  Um, you've been pregnant for, how many weeks was that again?

• 27:43Speaker 04

  Uh, almost 20.

• 27:44Caleb Hammer?

  Yeah. I have your spending just a couple of weeks ago. Like what-

• 27:47Speaker 03

  And a lot of it is what bills, right?

• 27:52Speaker 04

  He's got the chart.

• 27:53Speaker 03

  He's got a pie chart.

• 27:55Caleb Hammer?

  How much went going out to eat? Last pa- last, la- last statement, last month.

• 27:59Speaker 03

  Oh, you can blame her on that.

• 28:01Speaker 04

  Bitch, what?

• 28:01Caleb Hammer?

  Whoa, how can I have a number? Perhaps?

• 28:04Speaker 03

  Let's see, we probably went out twice, maybe, so... One fifty?

• 28:10Caleb Hammer?

  Okay. How much? What do you think? Come on, you were there.

• 28:14Speaker 04

  I don't know.

• 28:15Caleb Hammer?

  What do you think? What would you think?

• 28:16Speaker 04

  I'd-

• 28:17Caleb Hammer?

  Just based on what you experienced?

• 28:18Speaker 03

  Just a guess.

• 28:19Caleb Hammer?

  A gas lady.

• 28:20Speaker 04

  A hundred dollars.

• 28:21Caleb Hammer?

  Very good, it was a thousand. So, you guys are f- yeah, you guys are f- That plus your mortgage and you're way over. Yes, that was literally going-

• 28:28Speaker 03

  Like restaurants?

• 28:29Caleb Hammer?

  Yes! You f- You absolute-

• 28:32Speaker 03

  What?

• 28:32Caleb Hammer?

  Yes, you f-

• 28:35Caleb Hammer?

  Welcome to numbers. And I also seem to blame her a lot. Does he blame you all for all the debt?

• 28:41Speaker 04

  Um, he does blame me for some of the stuff.

• 28:43Speaker 03

  I don't blame her for the debt.

• 28:44Speaker 04

  It kinda does feel like a lot of this is my responsibility, like whenever I- I don't know, whenever I was like stripping, it felt like all my money was pretty much just like going out the f-king window, like-

• 28:56Caleb Hammer?

  For his debt? For your debt?

• 28:59Speaker 04

  Y- yeah. I mean, whenever I was working in Louisiana, um...

• 29:05Speaker 04

  I was making like eight hundred to like a thousand dollars a night.

• 29:11Caleb Hammer?

  Still don't understand it, but that's good.

• 29:13Speaker 04

  Like, I don't know. It, like, it's a shit of money that should, like,

• 29:21Speaker 04

  last like a while, like, I don't know, like... But like, it was just like, gone. Like, bet. Gone. And then it would be like the end of the next week, and be like, oh, you gotta go stripping again and like make all this money up.

• 29:35Speaker 03

  Well, she would go-

• 29:36Speaker 04

  It was always like, be like a s-

• 29:37Speaker 03

  She went-

• 29:38Speaker 04

  Like, we're gonna be like really bad if I don't make anything.

• 29:41Speaker 03

  She went like two whole months without working.

• 29:43Caleb Hammer?

  When I'm curious about something, I'm curious about something, so... Unfortunately, I filter this person. What the f- do people like?

• 29:49Speaker 04

  What do you mean?

• 29:50Caleb Hammer?

  What do people like?

• 29:51Speaker 04

  I don't know, I would just talk them up. I would just chat them up.

• 29:54Caleb Hammer?

  Okay, it's the flirt?

• 29:55Speaker 04

  Yeah, I would just sit there and-

• 29:56Caleb Hammer?

  Because I guess you're young if people are into that. Specifically twenty-two, that's right, okay, but like, I don't understand, like, what is there?

• 30:04Speaker 04

  And-

• 30:04Caleb Hammer?

  What's going on?

• 30:05Speaker 04

  I don't know.

• 30:06Speaker 03

  What do you mean?

• 30:08Caleb Hammer?

  I just look like a person. This is like just the very normal, basic, average person.

• 30:13Speaker 04

  I would just like be like really bubbly and cute like the entire time.

• 30:17Caleb Hammer?

  The rooms are pretty dark.

• 30:18Speaker 04

  Also, um, I know how to throw that. I know how to throw it back.

• 30:24Speaker 03

  She does have an-

• 30:26Caleb Hammer?

  She makes up for it in the back.

• 30:27Speaker 03

  Yeah, yeah, yeah, yeah, yeah. Especially now with her getting pregnant. It has gotten bigger.

• 30:32Caleb Hammer?

  Well, that happens.

• 30:34Speaker 03

  Those have gotten bigger. They were smaller, if you can believe that.

• 30:36Caleb Hammer?

  That's possible. Okay.

• 30:37Speaker 03

  Yeah, they were a lot smaller.

• 30:39Caleb Hammer?

  I'm gonna go three, two, one. And on point, I want you guys to give me at the exact same time what you think your financial score is. For the whole household, both of you combined, zero to 10, zero being the worst, 10 being the best, okay? We get it? Same time. Three, two, one.

• 30:56Speaker 03

  Zero.

• 30:57Speaker 04

  Zero.

• 30:58Caleb Hammer?

  We did not understand same time, but I appreciate it. If you want to get your financial assessment, take the Hammer Financial Score Quiz at CalebHammer.com. It is free. See where you stand, where you're doing well, where you need to improve, where you're completely...

• 31:13Caleb Hammer?

  Take it. And then make sure, if you don't want to be like a guest who ends up on this show, sign up for the Dollar Wise Budgeting app. There's a free trial, and if you like it, you can save a lot of money by switching to the annual version. And when you do, I will sign my budget-friendly cookbook and mail it directly to you. Learn more about Dollar Wise, the brand-new, updated Dollar Wise, at DollarWise.com. All right, let's get into these documents, because there's quite a few. Quite a few. Lots of paper lately. I'm getting lots of applicants with lots of debt.

• 31:46Speaker 03

  You're welcome.

• 31:47Caleb Hammer?

  It's exciting. Um, for 2,000 hours a month, it's very scary. We don't know how your income converts. I'm gonna guess it's probably gonna be an additional 15. You know, what are you on the, what are you on the calendar for, the schedule for? How many hours a week?

• 32:02Speaker 03

  She don't know.

• 32:02Speaker 04

  I don't know, they haven't told me anything.

• 32:06Caleb Hammer?

  But you don't know your schedule?

• 32:07Speaker 04

  No, they haven't sent me shit.

• 32:09Caleb Hammer?

  What if your schedule's right now?

• 32:10Speaker 03

  That's my exact same question. I'm joking.

• 32:12Caleb Hammer?

  Really?

• 32:13Speaker 03

  Well, no.

• 32:14Speaker 04

  I told them I was going to come here.

• 32:16Speaker 03

  Uh, I, cause I wanted to obviously make a budget too, because I was, I mean, obviously I have no idea how the, I spent a thousand dollars.

• 32:25Caleb Hammer?

  Well, speaking about not knowing how, I do have a note here. This debt, you don't even know about. He sent this in, and you don't even have a fucking clue, apparently. If you've Googled "learn how to code" more than three times this month, it is time to stop searching and start training. There's a reason you keep bouncing around. Most programming courses just teach theory, leaving you to figure out how to practice on your own. If you're tired of stumbling your way through clunky dev courses, no closer to a six-figure dev job than the last time you watched a free Python tutorial on YouTube, I've got something for you. It is called boot.dev, and it's hands down the best way to learn how to code

• 33:09Caleb Hammer?

  in a way that actually prepares you for the real world. Boot.dev is the only platform I've found that actually trains you instead of just having you memorize syntax. Every lesson is followed by a coding challenge that feels more like playing a video game than taking a test. It's like if Duolingo in the gym had a baby built for backend developers. Python, JavaScript, go! Zero fluff, just skill building, hands-on coding reps that train your brain to actually think like a developer. And their new Training Ground feature lets you work on smaller problems until you're confident enough to handle the next lesson. It's like grinding in video games to get enough XP for boss fights. That way, even when you're stuck, you're having fun. I never thought I'd be able to learn anything like coding,

• 33:53Caleb Hammer?

  but boot.dev makes it addicting. So, you want to code? Cool! Stop Googling and start training. Go to boot.dev and use code CALEBHAMMER to get 25% off your entire first year on the annual plan. Student loans. I know it's something we all avoid talking about, but if your private student loans are crushing you, Y Refi might be exactly what you need. They don't rely on your credit score alone. They look for borrowers who have the desire and the ability to repay. That is a game changer in a market where most lenders only see a number. Interest rates, under 6% guaranteed. That's practically a unicorn in student lending. Plus, they offer structured payment plans to lower your monthly bill,

• 34:39Caleb Hammer?

  and even a co-center release program, so your mom and dad can step off the hook. Y Refi is known for their personal service. No faceless call centers. You get a dedicated rep who actually cares about your progress. They've got a 4.6 star rating on Google, which tells you people genuinely like working with them. So if your private student loans are burying you, it is time to reach out. Y Refi wants to help you climb out of debt, not push you further into it. Check them out at yrefy.com/hammer. That is Y R E F Y dot com slash hammer, or call 888-973-3978. That is 888-973-3978.

• 35:20Caleb Hammer?

  Break free from the high interest trap and get your finances under control once and for all.

• 35:25Speaker 04

  I mean, I know he's in debt. I just don't know the number.

• 35:29Caleb Hammer?

  The first ones here are the ones she does not know about.

• 35:31Speaker 03

  No.

• 35:32Caleb Hammer?

  Why doesn't she know about these?

• 35:34Speaker 03

  So like the first main one, um, I kinda didn't want her to pay for all of my debt. And so I kinda wanted to hide a little bit of it.

• 35:45Caleb Hammer?

  Hide?

• 35:46Speaker 03

  Yeah.

• 35:46Caleb Hammer?

  She can't be aware and not pay at the same time?

• 35:49Speaker 03

  I, I mean, I guess.

• 35:51Speaker 04

  I mean, he asked me to help him with his debt, but like.

• 35:53Caleb Hammer?

  But this is unknown. This is unknown.

• 35:57Speaker 04

  He didn't tell me a number, so.

• 35:58Speaker 03

  I started to get tired of her being, I guess, scared or paranoid about the money.

• 36:05Caleb Hammer?

  Were you?

• 36:06Speaker 04

  Yeah, it did put me in a mood.

• 36:08Caleb Hammer?

  How'd that go? Tell me about it.

• 36:10Speaker 03

  I mean, I, so, I mean, we got into a few arguments, of course. Um, there were times where, like, I would, uh, come home and I'd ask like, hey, what are we having for dinner? And she really wouldn't know because we wouldn't have anything.

• 36:31Speaker 03

  I just don't want her to be doing everything for me.

• 36:36Caleb Hammer?

  Are you?

• 36:38Speaker 04

  I mean, for a while, it kinda was.

• 36:41Caleb Hammer?

  Why? Why is she doing everything for you?

• 36:43Speaker 03

  Well, so whenever we first started talking and we got together, she helped me out, um, getting like my money together and she helped me out with a little bit of her money to get a truck.

• 36:56Speaker 04

  I gave him a thousand dollars for that truck.

• 36:58Caleb Hammer?

  Well, if you've done anything yourself.

• 37:00Speaker 03

  Um, sorry.

• 37:04Caleb Hammer?

  It's okay.

• 37:07Caleb Hammer?

  What's going through his head right now? Don't grab his dick. We're not in the strip club.

• 37:10Speaker 04

  I was grabbing his leg.

• 37:14Caleb Hammer?

  What's going through his head right now?

• 37:15Speaker 04

  I don't know. He just, he doesn't like to discuss this stuff with me, I guess. And so, he's always like kinda deflected from these conversations.

• 37:23Caleb Hammer?

  Is that fair to her, though? If you guys are engaged, she's pregnant, she, she has full nut converting to child, like, this is important times for her to be informed on the situation that a baby's about to be born into.

• 37:38Speaker 03

  Yes, that is true. She should be informed on everything. Um, but I also don't want her to be worried about every little thing. Like, I don't want her, cause no, no matter what, like, look, I know it's horrible to say, but if I have to miss a mortgage payment and them yell at me for fifteen days, thirty days, while I keep the electricity and the water on so that she, it seems okay, and if it comes to the point where we lose the house and we go back to my parents, I don't want her that whole time being stressed out about it.

• 38:16Caleb Hammer?

  Then why the fuck did we spend a thousand hours going out to eat? I would be on your side. I would shed tear with you. I'd even give you a tissue. Fuck you. You spent a thousand hours going out to eat.

• 38:24Speaker 03

  I straight up don't even know how.

• 38:26Caleb Hammer?

  If we are a thirteen hundred dollar a month mortgage on two thousand dollar net income right now, a thousand dollars going out to eat already pushes over our entire budget and we're complaining about not keeping the utilities on? You can't spend almost your entire mortgage, which is already way too much of your money. You can't spend half of your income going out to eat and then cry about a mortgage. And then cry about utilities. You can't.

• 38:49Speaker 03

  I'm not even crying, I'm not crying about that. Don't say I'm crying about that. I'm crying about the state that I'm putting her in.

• 38:56Caleb Hammer?

  Okay, then why the [__] you doing it? Cause that thousand was spent.

• 39:00Speaker 03

  To try and keep her [__] happy or something, I guess. I don't know. To keep up the [__] illusion.

• 39:06Caleb Hammer?

  You gotta be, you have to spend on bones to keep her happy? A thousand dollars a month? When we can't pay our bills? She's gonna be a mother of a child in a house that is financially unstable. I think that is what's gonna provide more unhappiness than anything else.

• 39:18Speaker 03

  That's a fair point. That's, I mean, I hear you there.

• 39:22Speaker 04

  I would have, I would have, uh, much more respected, uh, honesty and been like, hey, we need to go on a budget plan. Like, we can't go out to eat, like, as often as, like, you want to.

• 39:33Caleb Hammer?

  Well, if that's the case.

• 39:34Speaker 03

  I've told you that many times.

• 39:36Speaker 04

  I mean, he didn't really, like, fully put the brakes on [__]. And so I didn't know where the stopping point was, cause again, I wasn't fully, and I guess I wasn't fully informed on, like, what the [__] was going on, cause he kept on telling me everything was okay.

• 39:52Speaker 03

  I would tell her everything's okay, then we wouldn't do anything, though. So, I mean...

• 39:56Caleb Hammer?

  Well, how do you feel about the fact that he did lie, even with positive intent, potentially? He did lie. Thoughts?

• 40:06Speaker 04

  I'm, I'm... I'm a little stunned, like, I don't know.

• 40:10Speaker 03

  She, she's, she's in the blank right now.

• 40:12Speaker 04

  Yeah.

• 40:13Caleb Hammer?

  Well, here's one of, by the way, two debts that you've never even heard of or known that have existed, by the way. So, let's start with number one. Yeah. Yeah, exactly. Zable. Nine thousand fifty-seven dollars, eighteen cents with a minimum monthly payment of two hundred and seventy-one dollars and forty-nine cents. By the way, on the two thousand dollar income...

• 40:34Caleb Hammer?

  What are we at? That's like fifteen, twelve, twelve and a half percent of our income to one minimum payment? One minimum payment! And a debt you didn't even know about. What the [__] is this for? At a twenty-four point two percent interest rate, by the way. Horrendous, disgusting.

• 40:47Speaker 03

  My credit card's right at a thirty-two. That's better.

• 40:50Caleb Hammer?

  Oh, you're telling me it's a consolidation?

• 40:52Speaker 03

  It is.

• 40:53Speaker 04

  I knew, I knew he was doing consolidation loans. I just didn't know it was that bad.

• 40:59Caleb Hammer?

  Well, where do consolidations lead us? May anyone please tell me? Yes.

• 41:04Speaker 03

  Your, your.

• 41:05Caleb Hammer?

  You have a credit card balance. You drain it to fill the consolidation, but all of a sudden now there's a big old money we can spend. And then you spend it and then we're in double the debt. This is how it always works every time. Either through bankruptcy, consolidation, credit card transfers, you name it. Those are incredible tools, incredible tools, but only after you change your behavior. And I get, I mean, I just saw a thousand hours going up. Okay, okay. Hey, what was the outflow last month? Outflow includes interest accruing, but what was the outflow last month? We know what came in. It was nothing. Bullshit.

• 41:39Speaker 03

  Probably about 3,500.

• 41:41Caleb Hammer?

  Dude, your payroll was literally $1,254 last month. Oh, okay, 1,200 was paid. Um, were you stripping at this time?

• 41:50Speaker 04

  No, yeah, I was, I was, um.

• 41:53Caleb Hammer?

  How much did you make?

• 41:55Speaker 03

  She, I think she was just finishing.

• 41:56Caleb Hammer?

  What, what, how do you, how do you pay? You put it in the ATM?

• 41:59Speaker 04

  Um, I, I usually kept it. I usually kept it cash unless he was paying bills. If he was paying bills, then he put it in his bank account.

• 42:08Caleb Hammer?

  I don't know then. What was the outflow? Inflow is probably like 3,000, 4,000.

• 42:13Speaker 03

  That's, that's why I said 3,500.

• 42:15Caleb Hammer?

  For the inflow? Well, no, the outflow, what do you think? Outflow of 3,500, what do you think? I know it's a guess, but what do you think? Come on.

• 42:23Speaker 04

  I don't know.

• 42:23Caleb Hammer?

  You see the life around you. What do you think it's spent on a monthly basis? This was the entirety. Come on.

• 42:28Speaker 04

  I don't know.

• 42:29Caleb Hammer?

  Dude, just picture your life. I need you to have some kind of reflection.

• 42:36Caleb Hammer?

  $5,891.6. Bringing a kid into that? What a joke. What a joke. What are we doing? You guys aren't ready to be parents. You might be loving, but you're not ready.

• 42:54Speaker 04

  Like, for some reason, I still feel like it's my responsibility.

• 42:56Speaker 03

  You're, you're already on the right track because you have a job now.

• 42:59Caleb Hammer?

  Yeah, it's not gonna bring in much.

• 43:01Speaker 03

  I, I know it's not, but it'll help.

• 43:02Caleb Hammer?

  Unknown hours like this is confusing in a lower income, lower cost of living area. It's not gonna be a, it's gonna be money. It's not gonna replenish the stripping. It's not gonna replenish the stripping.

• 43:13Speaker 04

  He, he kept on telling me everything would be okay if I had to quit my job. Like, I, I was like, fully thinking everything was gonna be okay.

• 43:21Caleb Hammer?

  Why would you tell her this?

• 43:22Speaker 03

  That was when I still had the car wash job.

• 43:24Caleb Hammer?

  Okay, which brought in 3,000 a month instead of two, four.

• 43:28Speaker 03

  Four.

• 43:29Caleb Hammer?

  Okay, you still spent 6,000 last month. How would that have still worked?

• 43:32Speaker 03

  Well, I wasn't in debt at that point in time either.

• 43:36Caleb Hammer?

  When? When did we not have debt?

• 43:38Speaker 03

  At that point in time, I did not have the Zabul or the One Main.

• 43:41Caleb Hammer?

  Oh, but the other debt we had?

• 43:43Speaker 03

  It was mostly gone. It was mostly gone.

• 43:46Caleb Hammer?

  When? When was this?

• 43:47Speaker 03

  I've paid this debt off at least two or three times.

• 43:50Caleb Hammer?

  When was it? That job? When were you fired?

• 43:54Speaker 03

  Uh, in March.

• 43:55Caleb Hammer?

  Of this year? You have accumulated, besides the mortgage, approximately...

• 44:04Caleb Hammer?

  You have accumulated since literally March fifty-one thousand dollars of bad debt. Fifty-one thousand. That's outside of the mortgage, ladies and gentlemen. Fifty-one thousand!

• 44:14Speaker 04

  So, so, you knew all this, and you still wanted me to get you a PS5 for Christmas?

• 44:26Speaker 03

  And you got a fucking three-thousand-dollar computer? Shut the fuck up.

• 44:31Speaker 03

  What the fuck are you talking about?

• 44:32Speaker 04

  You told me it was gonna be okay. Like, you could pay for that.

• 44:35Speaker 03

  Is your fucking credit good? Is your credit cards good? Yeah, they are.

• 44:38Speaker 04

  Yeah, but I still have seven hundred dollars on my fucking Discover card. Like, you told me you were gonna give me the money back, and I would have that paid off.

• 44:46Speaker 03

  Yeah, and I-

• 44:46Speaker 04

  I still don't.

• 44:49Speaker 03

  The previous... I never said I would pay off the fucking PS5. I never said that.

• 44:53Speaker 04

  You told me you'd help me with it. I have had zero help with it. You've given me no money for that [BLEEP]. And wherever I was stripping, you barely gave me any money to really pay that [BLEEP].

• 45:03Speaker 03

  I said that I would pay for the gun that we bought on your card. Did I not give you money for that gun? Yes or no?

• 45:16Speaker 03

  She's laughing because she knows I'm right.

• 45:20Speaker 03

  I never said I would help pay for that PS5. Not once.

• 45:25Speaker 00

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• 45:56Speaker 03

  The gun? Yes, I will agree to that.

• 45:58Speaker 04

  Okay, well, you didn't, like- Help me help myself, I guess, cuz every single time I got money.

• 46:02Speaker 03

  Help me help myself.

• 46:03Speaker 04

  Every single time I got money, like, it all went to you. Uh, like, every single-

• 46:08Speaker 03

  It went to, okay, correction, us.

• 46:09Speaker 04

  It went to us.

• 46:10Speaker 03

  It went to us.

• 46:10Speaker 04

  It went to us and you, like.

• 46:13Speaker 03

  Yeah.

• 46:14Speaker 04

  I could've paid off my fucking card for one night stripping, like, I could've.

• 46:19Speaker 03

  Would that have fixed our situation?

• 46:21Speaker 04

  No, not really, but I would've had less debt.

• 46:25Speaker 03

  Your, your debt is not the problem here.

• 46:27Speaker 04

  I know it's not, but I could've helped you, I don't know, so.

• 46:31Speaker 03

  You can, what the, you can still help? Are you, are you that special?

• 46:37Speaker 04

  I just hate having $700.

• 46:39Speaker 03

  I understand, I hate having $27,000 in debt.

• 46:42Speaker 04

  That I didn't need to take on, like, I, like, I, like, nothing gets spent on me, like, ever.

• 46:47Speaker 03

  A thousand dollars worth of fucking restaurant money went towards you, the fuck are you talking about?

• 46:52Speaker 04

  I would've rathered it been something else, I don't know.

• 46:55Speaker 03

  Okay, then don't ask for sushi every fucking day.

• 46:58Speaker 04

  I'm pregnant, so.

• 47:00Speaker 03

  Fucking make it. We're on WIC now, you can fucking buy that and make it? You, you gonna fill out the SNAP or the TAN or whatever the fuck that format, you gonna fill that?

• 47:11Speaker 03

  Are you gonna answer a yes or no question when it's an open-ended?

• 47:15Speaker 03

  Yeah, she asked me a yes or no question and didn't know how to fucking answer it. Sorry, you can't. Oh, wait, wait, we are in Texas, right? Mutual combat does count, right?

• 47:25Caleb Hammer?

  Okay, that, um. Ladies and gentlemen, a financial audit is one of the most exciting moments in this channel's history. You know I've been working on building all these educational tools, our budgeting app, all this crazy stuff of this past year, cuz that is where my passion is. We finally did it, and now we put it all into one program called Dollar Wise Central. You get the premium version of my budgeting app, you get the cookbook mailed to you and signed by me, you get to learn about debt, investing, budgeting, real estate, basic beginner stuff in finance, all the way to the advanced stuff, collaborated by experts with the lowest refund rate in the industry for a reason. And guess what? If you are struggling or you wanna learn more-

• 48:09Caleb Hammer?

  You want to change your life in any way whatsoever, like literal tens of thousands of people have done with our programs. Go to dollarwise.com. Click that link below. Your life will change. It'll be incredible. And I am here for you with an incredible support team that you can reach at any time. This is a no brainer. Dollarwise.com. Let's go.

• 48:31Speaker 03

  Sorry.

• 48:31Caleb Hammer?

  You're on Snap?

• 48:32Speaker 03

  Uh, no.

• 48:33Speaker 04

  I just got Wick and we are applying to Snap. He did the wrong application.

• 48:38Caleb Hammer?

  How much comes in with Wick? What does that go to?

• 48:40Speaker 03

  Uh, Wick is strictly for the groceries.

• 48:44Caleb Hammer?

  How much?

• 48:45Speaker 03

  What is it? It, it, it, it is, uh.

• 48:47Speaker 04

  Uh, they give you like basic, they'll give you bread, milk.

• 48:52Speaker 03

  Yeah, so like you can.

• 48:53Caleb Hammer?

  They'll give you?

• 48:54Speaker 03

  No, okay, correction.

• 48:55Speaker 04

  What I give you, you could go shopping.

• 48:56Caleb Hammer?

  Yeah, but how much can you get a month?

• 48:58Speaker 03

  Okay, so.

• 48:58Caleb Hammer?

  What can I contribute to the grocery budget with that?

• 49:00Speaker 03

  It's separated, so there's like a fruits and veggies, uh, budget that they give you. I think it's like forty seven dollars.

• 49:06Speaker 04

  Yeah, it was forty seven dollars a month. And if you don't spend it all, then it just goes out the window.

• 49:10Speaker 03

  Uh, and then we get X amount of pot. I don't know the exact that we get.

• 49:16Caleb Hammer?

  Well, I'm gonna be able to contribute to the grocery buses so we can put less cash towards it.

• 49:22Caleb Hammer?

  Well, the computer was bought with the Zabalone.

• 49:25Speaker 03

  It was.

• 49:26Speaker 04

  Wait, what?

• 49:26Speaker 03

  It was, so it was.

• 49:29Caleb Hammer?

  Was it a gaming computer?

• 49:31Speaker 03

  I built it, yes.

• 49:32Caleb Hammer?

  That hers? Her little, her three thousand dollar? Oh, now that you've calmed down, it's ours.

• 49:37Speaker 03

  Well, I mean, she wanted it, but do I use it?

• 49:40Caleb Hammer?

  It's become ours. Streaming?

• 49:43Speaker 03

  No, she plays this game called Planet Zoo.

• 49:46Caleb Hammer?

  You never.

• 49:46Speaker 04

  I can't play it anymore, cuz you know.

• 49:49Speaker 03

  What, what do you mean? You can't play it anymore?

• 49:51Speaker 04

  I, I'm never fucking home. And if I am home, I have, like, I, I'm focused on other things, like.

• 49:57Speaker 03

  Maybe you shouldn't have a tattoo or pretty shit. You can have more time at fucking home.

• 50:00Speaker 04

  Oh, oh, okay. So I shouldn't strive for my career.

• 50:03Speaker 03

  You don't fucking make any money in it.

• 50:08Speaker 04

  You don't make money for a fucking while, but once you get the clientele, like, you can make some money, like.

• 50:15Speaker 03

  Now, here's the most important question, is are you gonna get that clientele?

• 50:25Speaker 03

  I'm just saying, like, you can do all this drawing, but... I mean, you're not even doing anything on skin, you're not doing anything on fake skin.

• 50:36Speaker 04

  Yeah, cuz I don't wanna fuck anyone up on real skin, cuz that's kinda, you know, a little bit permanent.

• 50:43Caleb Hammer?

  How often do we communicate like this?

• 50:46Speaker 04

  Oh no, we usually [__] at each other at this point.

• 50:48Speaker 03

  Oh, this is communication.

• 50:49Speaker 04

  Yeah, no, this usually goes down the [__].

• 50:52Caleb Hammer?

  Yes, I'm asking how often?

• 50:55Speaker 03

  Oh, um...

• 50:56Caleb Hammer?

  This is...

• 50:57Speaker 03

  We have a lovely conversation, at least once a week.

• 50:59Caleb Hammer?

  Once a week? I'm surprised it's that little.

• 51:02Speaker 04

  No, it's more like twice a week.

• 51:04Speaker 03

  Oh, okay, maybe.

• 51:04Caleb Hammer?

  Yeah, the women are better remembering typically.

• 51:06Speaker 04

  He usually starts the [__] bit cuz he can't calm the [__] down.

• 51:09Speaker 03

  She'll remember that, but she won't remember anything else.

• 51:10Caleb Hammer?

  Well, no, no, no, women, yes, women, you, yes. You guys do better remembering arguments.

• 51:16Speaker 04

  He forgets them, and I'm just like...

• 51:19Caleb Hammer?

  We move on.

• 51:20Speaker 03

  I actually, I remember the important parts of the arguments, the fundamental parts of it, but okay.

• 51:26Speaker 04

  He's always right.

• 51:28Speaker 03

  No, there are many times I've said that you are right.

• 51:35Speaker 04

  I can't even count on one hand, okay, how many times you have said that?

• 51:41Speaker 03

  Did I?

• 51:41Speaker 04

  You are bullshitting for the camera.

• 51:42Speaker 03

  Did I not?

• 51:43Speaker 04

  You are bullshitting for the camera.

• 51:44Speaker 03

  Did I not blame the government for asking a stupid question?

• 51:47Speaker 04

  Yeah, after we had a whole [__] bit, and you called me a [__] ass.

• 51:51Speaker 03

  Because you asked me a yes or no question, and you told me that you didn't know how to answer it?

• 52:00Speaker 03

  Yes, no? No, yes?

• 52:06Speaker 03

  I will agree that I do get, you know, heated at times, and I do get loud, but if you, I don't know, look past that a little bit.

• 52:14Speaker 04

  Levi's always right. Levi's always right, that's all I need to know.

• 52:17Speaker 03

  And Pixie's always wrong.

• 52:22Caleb Hammer?

  Uh.

• 52:26Caleb Hammer?

  I will say from a debate tactic, you do shut down and stop.

• 52:29Speaker 04

  Yeah, I do. And he knows that. He knows that.

• 52:32Caleb Hammer?

  If, if we're strategically trying to win, which I don't think. That's not necessarily how we should be having these conversations. I'll just say. And then Mr. Levi, you do get a bit personal.

• 52:44Speaker 03

  Yes, I do.

• 52:44Caleb Hammer?

  Which.

• 52:48Caleb Hammer?

  Is it necessarily best for these type of conversations? I will also say.

• 52:55Speaker 03

  Fair. Yeah, I agree with you. I agree with you. I could work on my tone of voice and how I come out.

• 53:01Caleb Hammer?

  And Golden just texted in here, and this is why his conversation with you guys was four hours long before. He came here.

• 53:13Speaker 04

  Sorry.

• 53:14Speaker 03

  Oh, he enjoyed it, though.

• 53:16Caleb Hammer?

  I'm sure he did. I'm sure he did.

• 53:21Speaker 04

  I slowly turn to the next page.

• 53:25Caleb Hammer?

  It's just like.

• 53:26Speaker 03

  Sorry, microphone.

• 53:28Caleb Hammer?

  And you're telling me the conversations outside of here are even less effective than that? Because it just gets petty.

• 53:33Speaker 04

  Oh, yes. Yes, it does.

• 53:35Caleb Hammer?

  What is the pettiness it turns into?

• 53:37Speaker 04

  Well, he calls, he usually like ends up calling me a dumb because my mother has a mental disability. And so he starts saying because she's that I'm.

• 53:50Speaker 03

  That is not true. That is not.

• 53:52Speaker 04

  That has happened before.

• 53:53Speaker 03

  Just, just because your mom is.

• 53:54Speaker 04

  I'm exposing his narcissism. Okay?

• 53:57Caleb Hammer?

  So that's how it ends up. You call each other names.

• 54:00Speaker 04

  He calls me names. I just shut down.

• 54:02Speaker 03

  Oh, she shuts down before I start with the names, actually.

• 54:05Caleb Hammer?

  So she shuts down, that triggers you, and then you bring out the names?

• 54:08Speaker 03

  Yes.

• 54:10Caleb Hammer?

  Why don't you? Well, no, I don't want you.

• 54:12Speaker 04

  Oh, no, he'd get more pissed.

• 54:13Speaker 03

  No, no. See, that's the thing. That's the thing is I would love for her to like get some fiery back. I would love for it.

• 54:21Caleb Hammer?

  Why?

• 54:22Speaker 03

  It would show me that she's.

• 54:23Speaker 04

  Not a violent person.

• 54:24Speaker 03

  No, I'm not telling you to be violent. That's not what I'm saying.

• 54:27Speaker 04

  No, if I get angry, I get violent.

• 54:30Speaker 03

  I would just love, I would love for you to just use your words and not shut down to the point to where I do yell.

• 54:37Speaker 04

  Y'all are, y'all are gonna see this on the news to hear from me.

• 54:43Speaker 03

  You'll hear it from me, sorry.

• 54:45Speaker 04

  He's gonna be dead in a ditch.

• 54:49Caleb Hammer?

  Do you not like [BLEEP] mom?

• 54:52Speaker 03

  Oh, no, I do not. I do not like her immediate family, really, at all. The rest of her family, though, I do like them. But her mom and dad, I truly believe that they have failed her.

• 55:03Speaker 04

  Oh, yeah, they didn't teach me about any kind of financials.

• 55:06Caleb Hammer?

  What [BLEEP] does she have?

• 55:08Speaker 04

  Uh, she is a missing part of her brain.

• 55:12Caleb Hammer?

  It was taken out?

• 55:13Speaker 04

  No, she was born that way.

• 55:17Speaker 03

  Yeah, she was born with-

• 55:18Caleb Hammer?

  How [BLEEP] is she?

• 55:22Speaker 03

  Scale of 1 to 10, 10.

• 55:22Speaker 04

  Okay, she's... At some point, she was smart and able enough to, like, want to become a nurse. And then she had gotten pregnant, and then she married my dad, and I guess she just [BLEEP] gave up on that. She's been a stay-at-home mom, like, my entire life, that's all I've ever known.

• 55:41Caleb Hammer?

  Could she legally consent to that?

• 55:44Speaker 04

  To what?

• 55:44Caleb Hammer?

  The sex?

• 55:46Speaker 04

  Yeah, yeah, she's not that [BLEEP].

• 55:49Caleb Hammer?

  I don't know, I'm going off of-

• 55:50Speaker 03

  See, see, I question that, too.

• 55:55Speaker 04

  She just has really bad memory issues, because her brain's overcompensating for what's missing.

• 56:01Caleb Hammer?

  It's just memory?

• 56:03Speaker 04

  Yeah.

• 56:04Speaker 03

  Oh, it's thought process, too.

• 56:06Speaker 04

  Oh, yeah.

• 56:06Speaker 03

  And motor skills.

• 56:07Speaker 04

  Yeah, she, she has zero motor skills.

• 56:11Speaker 03

  No, she can move, though, like, she can walk around and move.

• 56:13Speaker 04

  She's literally missing the part of your brain that controls, um, like, what's the word?

• 56:24Speaker 04

  Like, all your motor functions, all of them, all of them. Like, if she's about to face-plant, she has to, like, physically think about it. Instead of just, like-

• 56:32Caleb Hammer?

  Gravity won't do it?

• 56:33Speaker 04

  She won't have the reflex, she doesn't have the reflex. She has to, like, actually think about what the [BLEEP] she's doing.

• 56:39Speaker 03

  She got no Abdullah Obligata, or whatever that thing is, right? Medulla Obligata, is that what it is? Or is that... Alligators have that. Right?

• 56:49Caleb Hammer?

  What is the $8,723.79 one main financial editor? 25.5% interest rate, minimum monthly payment $268.66. What the is this possibly? This is the second one you don't know about. That's right. Guess what? We're nearing $20,000 of debt you didn't even know about. How much stripping is that? How much butthole being gazed into is that?

• 57:11Speaker 03

  Uh, 20,000, so that would be less than a year, actually.

• 57:15Caleb Hammer?

  You show your butthole to people.

• 57:17Speaker 03

  No, she doesn't. She might have flashed it. I'm not, I mean, if she wants to give a little wink to them.

• 57:23Caleb Hammer?

  Have you been? Let's have her answer.

• 57:25Speaker 04

  No, I did not take off my underwear.

• 57:27Caleb Hammer?

  Very well done. Okay, good.

• 57:29Speaker 03

  That makes me happy.

• 57:30Caleb Hammer?

  That makes me happy too. $20,000 of debt you did not know about all at like that 25% interest rate. Minimum payment is now equalling a fourth of the household income.

• 57:43Speaker 04

  Why did we get a house?

• 57:45Speaker 03

  Uh, cuz we had two dogs, two birds.

• 57:48Speaker 04

  We could have lived with your mom.

• 57:48Caleb Hammer?

  Two dogs, two birds.

• 57:50Speaker 03

  My, my mom was mad at you because you kept doing laundry in your goddamn underwear. All right? We were stuck in a house with three other people.

• 58:01Speaker 04

  Okay, I didn't know about that.

• 58:02Caleb Hammer?

  What's wrong with a woman in underwear?

• 58:04Speaker 03

  Uh, my mom don't wanna see that and her husband don't wanna see that.

• 58:09Caleb Hammer?

  It's just underwear.

• 58:10Speaker 04

  I would literally wear clothes.

• 58:11Caleb Hammer?

  It's the same thing you'd see at the beach, right?

• 58:13Speaker 03

  I mean panties bent over, I mean.

• 58:15Speaker 04

  No, I would wear shorts. I remember like I would never step out of your room without shorts on.

• 58:23Speaker 03

  Okay, well, I mean, if it wasn't really that, then okay.

• 58:25Caleb Hammer?

  Well, okay, we couldn't, we couldn't live with mom cuz hole was slightly showing, which apparently we don't show, but kind of around house, maybe. I don't know, it's a mother. Interesting.

• 58:34Speaker 04

  No.

• 58:34Caleb Hammer?

  We had to buy a house and you can bring up these dogs and birds and what?

• 58:39Speaker 03

  We were, uh, we were living with my parents in a small room. I already had a dog. We ended up getting a bird for some fucking reason.

• 58:47Caleb Hammer?

  Why?

• 58:47Speaker 03

  Should've fucking asked her.

• 58:49Caleb Hammer?

  Okay, why?

• 58:50Speaker 04

  He, he didn't tell me fucking no.

• 58:54Speaker 03

  She kept asking.

• 58:55Speaker 04

  Okay, I really wanted this kind of bird for like a really long time, but like I was fully okay with like bringing it to my house and then like going to and take care of them like.

• 59:06Speaker 03

  You never, you never went to your house to take care of your first bird. You stayed at my house. Your father and mother would take care of your.

• 59:15Caleb Hammer?

  Ladies and gentlemen, if you want a solid six and a half out of 10 to impregnate them, just go to the south and get them a bird.

• 59:21Speaker 03

  Yes.

• 59:22Caleb Hammer?

  There and then you can do anything.

• 59:25Speaker 06

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• 59:55Speaker 03

  Yes.

• 59:56Caleb Hammer?

  So she asked, don't, why did we get a house and uh, you still, your answer was we got a bird?

• 1:00:01Speaker 03

  No.

• 1:00:02Caleb Hammer?

  And we lived in a small room?

• 1:00:03Speaker 03

  We were cramped.

• 1:00:05Caleb Hammer?

  And that happens, but I don't understand why that equals let's get a mortgage instead of rent.

• 1:00:09Speaker 03

  Uh, pit bull, Mississippi. Can't rent.

• 1:00:13Caleb Hammer?

  Don't have a pit bull.

• 1:00:14Speaker 03

  You.

• 1:00:15Speaker 04

  What?

• 1:00:16Caleb Hammer?

  Okay.

• 1:00:17Speaker 04

  Damn.

• 1:00:17Speaker 03

  That's my baby.

• 1:00:19Caleb Hammer?

  Well. That didn't work out very well.

• 1:00:23Speaker 04

  Okay, well, I honestly think we have way too many dogs at this point.

• 1:00:27Caleb Hammer?

  How many dogs you have?

• 1:00:28Speaker 04

  We have four.

• 1:00:30Caleb Hammer?

  And for every pit bull, the.

• 1:00:32Speaker 04

  Three, I thought we were full. And then we got another one.

• 1:00:36Speaker 03

  That's her fault.

• 1:00:37Caleb Hammer?

  What's the percentage the child makes it to one with every pit bull we add?

• 1:00:40Speaker 03

  Oh, 100% hockey would defend, uh, yeah. Haki is very, very protective. He's a good boy.

• 1:00:46Caleb Hammer?

  Great, one out of four.

• 1:00:48Speaker 00

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• 1:01:19Speaker 03

  Ah, two out of four.

• 1:01:20Speaker 04

  This is my thought process, but again, Levi's always right.

• 1:01:23Speaker 03

  Look, look, Haku's the alpha, Haku's the alpha, and he has-

• 1:01:28Speaker 04

  He's a little [bleep] dog. He's a little [bleep]. I thought he was a female when I first met him.

• 1:01:32Speaker 03

  How many times did you leave the bunny out and Haku-

• 1:01:35Caleb Hammer?

  There's a bunny!

• 1:01:36Speaker 03

  There was a bunny, there was.

• 1:01:37Speaker 04

  I got rid of him.

• 1:01:38Caleb Hammer?

  And then the pit bull ate it.

• 1:01:39Speaker 03

  No, we sold it.

• 1:01:42Caleb Hammer?

  Cause the pit bull was gonna eat it?

• 1:01:43Speaker 03

  No, the pit bull would protect that thing with its life.

• 1:01:46Speaker 04

  It's mostly cause I got pregnant and like all the animals-

• 1:01:48Speaker 03

  Let me, let me, let me, let me say something real quick.

• 1:01:51Caleb Hammer?

  How many animals are there?

• 1:01:53Speaker 04

  Right now?

• 1:01:54Speaker 03

  Seven.

• 1:01:55Caleb Hammer?

  What are they?

• 1:01:57Speaker 03

  Three birds and four dogs.

• 1:02:01Caleb Hammer?

  Good [bleep] guys, what are you doing? You're bringing a child into this?

• 1:02:04Speaker 03

  Look, a pit bull will not eat a dog unless you treat it poorly.

• 1:02:08Caleb Hammer?

  A dog?

• 1:02:09Speaker 03

  Oh, I said that wrong. A pit bull will not eat a baby unless you [bleep] treat it wrong.

• 1:02:15Caleb Hammer?

  You know what's interesting? No one else has to say that about any other dog breed.

• 1:02:19Speaker 04

  A poodle will eat your baby.

• 1:02:22Speaker 03

  A poodle, yeah, a poodle will. A chihuahua will.

• 1:02:24Speaker 04

  Out of jealousy.

• 1:02:24Speaker 03

  A Staffordshire pit bull will not.

• 1:02:28Caleb Hammer?

  Interesting that they're the only ones that have statistical probabilities of-

• 1:02:32Speaker 03

  They are nanny dogs. They are actually really low on that list, thank you very much. I would love for you to research that, actually.

• 1:02:39Caleb Hammer?

  Okay.

• 1:02:39Speaker 03

  You may know credit cards and whatnot, but pit bulls are not dangerous.

• 1:02:43Speaker 04

  I think you're being [bleep].

• 1:02:46Speaker 03

  I think he's being [bleep] towards pit bulls and generalizing them. I think they're what, ranked, they're what, ranked 23, 24?

• 1:02:54Speaker 04

  I think we are assholes for owning three of them and having no time for any of them. Especially the baby. The baby dog.

• 1:03:05Speaker 03

  You wanted the baby dog.

• 1:03:07Speaker 04

  Cause I was like, holy, that's fucking cute. But like-

• 1:03:10Speaker 03

  And then now you fucking hate him.

• 1:03:11Speaker 04

  You told me it was gonna be chill. You were gonna take care of the dog. You were gonna train the dog. Now, you have no time to train the fucking dog. This dog misbehaves and he's just a fucking asshole.

• 1:03:23Speaker 03

  The other three are good.

• 1:03:24Speaker 04

  Like, I honestly, like, kinda wanna get rid of him. Like, low-key I do.

• 1:03:27Speaker 03

  Give me time. I mean, we can sell him for a decent amount. He is a pure split.

• 1:03:31Speaker 04

  I have given you all of the time I fucking have. I am a very patient person. My mom is disabled. I have been taught patience.

• 1:03:39Speaker 03

  Hey, we got rid of your bunny. I will, I will make a deal with you and I will get rid of one of the dogs.

• 1:03:48Speaker 03

  If you wanna get rid of Chunks, since you got rid of your bunny, I will get rid of Chunks.

• 1:03:54Speaker 03

  See, now she's sad, cause she doesn't wanna fucking get rid of him.

• 1:03:56Caleb Hammer?

  Oh, also, pit bulls only make up 60 to 70% of all fatal child, dog-related accidents in the United States.

• 1:04:03Speaker 04

  He's also the only one that has fucking bit you. You wanna show people your thumb?

• 1:04:07Speaker 03

  That's Chunks.

• 1:04:08Speaker 04

  Yeah, he bit you.

• 1:04:09Speaker 03

  Not Haku.

• 1:04:13Caleb Hammer?

  Yes, I guess it's the good 30%.

• 1:04:15Speaker 03

  Also, also, you gotta put that in context.

• 1:04:17Caleb Hammer?

  One of the good ones.

• 1:04:18Speaker 03

  You gotta put that in context. Two of the dogs were fighting, okay? And I was stupid.

• 1:04:23Caleb Hammer?

  That's the context for 70% of all fatal child accidents, okay?

• 1:04:28Caleb Hammer?

  You asked me to look it up, so I did.

• 1:04:30Speaker 03

  Well, I, I was more specifically wanting you to look up-

• 1:04:35Caleb Hammer?

  70%? Of all child fatal dog-related incidents in the United States?

• 1:04:42Speaker 03

  Okay, yeah, they, okay.

• 1:04:44Speaker 04

  Small children, yes.

• 1:04:47Caleb Hammer?

  You're right, when they're easier to just-

• 1:04:49Speaker 04

  Yeah, literally, like, a fucking infant that we're gonna have in our house.

• 1:04:53Caleb Hammer?

  I love dogs. I actually don't care about pit bulls. I pet every pit bull I fucking see, and I love dogs. I lived with one for a bit. It was actually the worst dog I've ever lived with, I'm gonna say that. But, that's okay. I don't think it was the pit bull's fault, I think it was the owner's fault.

• 1:05:06Speaker 03

  See, see?

• 1:05:06Caleb Hammer?

  It took piss and f*** in front of my door every day I woke up.

• 1:05:10Speaker 03

  You could probably

• 1:05:11Caleb Hammer?

  Either way, 70%.

• 1:05:12Speaker 03

  You can research that 70% and I bet, and I bet out of that 70%, 80% of those people are horrible dog owners.

• 1:05:20Caleb Hammer?

  You guys are insane. And the fact that, again, according to you, this is considered one of the more productive conversations y'all have.

• 1:05:28Speaker 03

  I think that's because there's a third person there. That's why it's productive.

• 1:05:31Caleb Hammer?

  I'm barely involved. Navy Federal Credit Union. Okay, she knows about this one. Did you know it's over maxed out? You look like you just woke up from a [BLEEP]. What happened? Did I? What? I don't know, as you pulled up back to the map, to the mic. No, I have never done [BLEEP]. Hi, listen here, financial audit. I've curated the exact resources and tools I personally use or would use if I was in certain situations. So, take advantage of these offers in the resources section in the description below. The first one, I've moved my investments to Weebull. Do the same and transfer to my investing app of choice and you get cash bonuses of $200

• 1:06:10Caleb Hammer?

  all the way up to $30,000 depending on initial funding amount, and up to 8.1% APY on your money, and up to 3.5 matches for your IRA. And then, number two, a great new checking account that I've switched over from SoFi and it's called Chime. Get that $550 bonus when you sign up with Direct Deposit and get almost 4% on your money just sitting there. And then, three, automate your investing with Acorns. Usually sign up incentives are only five bucks, but you get $20 with my link. Number four, you can increase your income and boost your resume with a course career certification. Five, if T-Mobile is good in your area, switch to Helium and get a literal $0 a month phone plan

• 1:06:55Caleb Hammer?

  for the same exact service. But most importantly, go get your free Hammer financial score and see where you stand in the world of finances. Take the assessment at CalebHammer.com. You will not regret any of these change your life today. Navy Federal, did you know you're over maxed out? He didn't tell me he was maxed out on it. Um, how much is it? $2,015.63. It's a $2,000 credit limit.

• 1:07:25Caleb Hammer?

  What do you think about that?

• 1:07:27Speaker 03

  It'll get paid.

• 1:07:27Caleb Hammer?

  He keeps on telling me I don't know [BLEEP] about money.

• 1:07:29Speaker 04

  But I'm starting to think he doesn't.

• 1:07:31Caleb Hammer?

  Well, I agree. That probably neither of you know.

• 1:07:36Speaker 03

  At one point it was good.

• 1:07:37Caleb Hammer?

  Does that matter? If it weren't, if you didn't murder anyone, but then you did, is your defense, well, I didn't murder people up until now. Like, it doesn't matter. This is what's happening. I also wouldn't judge you if you were a piece of shit 10 years ago. I'd judge you for what you're doing now.

• 1:07:55Speaker 03

  That's good. That's good.

• 1:07:57Caleb Hammer?

  Yeah, now's all that literally matters and the future. Past, not as much. That's what's heinous.

• 1:08:03Speaker 03

  I like that.

• 1:08:04Caleb Hammer?

  Okay, great. So stop bringing up that argument. $66.21 of purchases. Are we summoning something to the child? What was that?

• 1:08:14Speaker 03

  Her palms are sweaty. Knees weak, arms are heavy.

• 1:08:17Caleb Hammer?

  Hold it out.

• 1:08:21Caleb Hammer?

  Oh, okay.

• 1:08:24Caleb Hammer?

  $66.21 of purchases. Why? On a credit card, we can't pay off that is not accruing interest. Or that is accruing interest that we can't pay off.

• 1:08:33Caleb Hammer?

  That is over the limit even.

• 1:08:35Speaker 03

  I don't know. That's probably my longest running credit card right there.

• 1:08:38Caleb Hammer?

  Oh, good. Wonderful. How long does this take to pay off if we do not purchase? What you're incapable of, and we only make minimum payments, which is all you do.

• 1:08:46Speaker 03

  Uh, probably four years.

• 1:08:47Caleb Hammer?

  Four years is, your kid will be four.

• 1:08:50Speaker 03

  Yeah, he would be.

• 1:08:51Caleb Hammer?

  How long do you think? Okay, your kid will be 13, actually.

• 1:08:54Speaker 03

  Oh.

• 1:08:54Caleb Hammer?

  That's if you don't purchase, but yeah, I always do. 13!

• 1:08:58Speaker 03

  That would just be minimum payments then.

• 1:08:59Caleb Hammer?

  13 will be, and yes, minimum payments without purchases.

• 1:09:03Speaker 03

  Okay.

• 1:09:03Caleb Hammer?

  Yes, you put a little extra towards minimum. It doesn't make, it doesn't make any difference though, because you purchased well beyond what would have been considered net minimum anyway.

• 1:09:13Caleb Hammer?

  13, middle school, right? I think.

• 1:09:15Speaker 03

  Uh.

• 1:09:15Caleb Hammer?

  Yeah.

• 1:09:16Speaker 03

  Yeah.

• 1:09:16Caleb Hammer?

  Kids in middle school. And this is finally getting paid off.

• 1:09:19Speaker 03

  Almost high school.

• 1:09:20Caleb Hammer?

  That's not fair?

• 1:09:21Speaker 04

  No, that's not fair.

• 1:09:22Caleb Hammer?

  In what way is that not fair?

• 1:09:24Speaker 04

  That's not fair. To them.

• 1:09:25Caleb Hammer?

  To who? To the kid. I agree. So why the are we purchasing on it? What did we do? Spotify. Peacock. Peacock. Why Peacock?

• 1:09:33Speaker 03

  I'm I'm

• 1:09:33Caleb Hammer?

  Amazon Prime, something on Prime. You went into a gas station, got what you getting?

• 1:09:39Speaker 03

  Uh, Kickstarter's for the morning.

• 1:09:40Caleb Hammer?

  Kickstarter, what's that? Is it energy drink?

• 1:09:42Speaker 03

  Yeah.

• 1:09:42Caleb Hammer?

  And that's why, again, this is literally why I approached these guys to be our things. Have you heard of Gamer Stop's? Well, you should. Dude, you buy the fucking tub. You buy the tub. It's 40 bucks, but you get 100 servings. That is 100 of your Kickstarter's every morning. That is 25 cents per energy drink instead of you going and spending

• 1:10:02Speaker 03

  Is it? Is it as good?

• 1:10:04Caleb Hammer?

  Yes, dude, it's incredible. We, yeah, do it. Seriously. We've tasted them all. This is great. I don't know if I've had this one. Good is my favorite. It's cherry.

• 1:10:13Speaker 04

  Yeah, you like that dino fart, don't you?

• 1:10:16Speaker 03

  That does actually taste pretty good.

• 1:10:18Caleb Hammer?

  Dude, damn, fire. I'm not gonna lie. It's literally, they're like the only people I reached out wanting a sponsorship because it's so good.

• 1:10:24Speaker 03

  That's pretty good.

• 1:10:25Caleb Hammer?

  We got that link below. You know what to do. But either way, 25 cents, 25 cents, 25 cents for your wake up thing instead of this $8. This is like the most budget. I always tell people to buy in bulk. This is it. It's 25 cents instead of $8. Like, that's budget to its core.

• 1:10:43Speaker 03

  Yeah.

• 1:10:43Caleb Hammer?

  25% off with my link. But even their way.

• 1:10:45Speaker 03

  I I have bought energy drinks in the past in bulk to save money. Um.

• 1:10:50Caleb Hammer?

  Even better, dude. Get the powder, put it in the shaker. It's just as good.

• 1:10:54Speaker 03

  I I I do have a whole bunch of Gatorade Zero, uh, powders that I do also.

• 1:10:59Caleb Hammer?

  Yeah, I mean, that works.

• 1:11:00Speaker 03

  Yeah.

• 1:11:02Caleb Hammer?

  I mean, come on, look at this. We're going in and getting $9. We're pushing it over the credit limit. It's just unacceptable. McDonald's and then Hungry's. $178 of interest and an 18% credit card. Who has the Amazon on their phone?

• 1:11:14Caleb Hammer?

  Pull it up, start a screen recording. We'll blackout private information.

• 1:11:18Speaker 04

  Don't really make purchases.

• 1:11:19Caleb Hammer?

  I better not see an eight inch dildo on there, because I saw that yesterday. On someone else's Amazon.

• 1:11:25Speaker 03

  Um.

• 1:11:25Caleb Hammer?

  And seeing how it's only yours, I would be concerned. What are you homophobic?

• 1:11:28Speaker 04

  I wouldn't buy a dildo off of Amazon.

• 1:11:30Speaker 03

  I'm not afraid of them.

• 1:11:31Speaker 04

  I'd be classy and go to Bad Dragon and get one of those.

• 1:11:34Caleb Hammer?

  Local establishment? Shout out.

• 1:11:36Speaker 03

  What are we going to?

• 1:11:37Caleb Hammer?

  Amazon.

• 1:11:38Speaker 03

  Yeah, I know, but what are we?

• 1:11:39Caleb Hammer?

  Amazon! Just start a screen recording and I'll navigate. I'll drive. I'll drive.

• 1:11:44Speaker 03

  You won't drive? Okay.

• 1:11:44Caleb Hammer?

  I can't be offended with a man whose mustache is going over his lips and his hairline is halfway to the back of his head. It's impossible, physically impossible for me to be offended.

• 1:11:53Speaker 03

  There are plenty, and I mean plenty, of great men in the world that have this hairline that were also born with it.

• 1:12:01Caleb Hammer?

  Yeah, but they're not also going all the way down. They don't look forty at twenty-four.

• 1:12:05Speaker 03

  I like my hair. I can put it up in a nice ponytail. It's curly, it's beautiful, it's soft. I mean, girls love it. It's fine.

• 1:12:12Caleb Hammer?

  You look like you were born in the sewer. You collect pizza in the sewer. Why don't we have a Nissan truck transmission three hundred twenty-five dollar thing in here and then a universal four millimeter? This isn't the cart ready to purchase. Four hundred dollars worth of shit.

• 1:12:27Speaker 03

  That's just been staying in there.

• 1:12:28Caleb Hammer?

  Well, it needs to because what the is going on?

• 1:12:31Speaker 03

  I meant to put that into the save for later. Um, so.

• 1:12:34Caleb Hammer?

  I hear at low calories for a much better cost, this does grow back hair, allegedly.

• 1:12:39Speaker 03

  I really don't need, I really don't need those air hoses.

• 1:12:42Speaker 04

  Okay, so this is, this is also my thing. He always like is ready to make another purchase, but whenever.

• 1:12:49Caleb Hammer?

  Like a trip to Turkey?

• 1:12:51Speaker 04

  What?

• 1:12:52Speaker 03

  No, like bringing my to like the shop and fixing it or fixing her thing or.

• 1:12:59Speaker 04

  Yeah, and like he always gets what he wants. But the instant that I want something, it's like, oh shit.

• 1:13:05Caleb Hammer?

  Is this true?

• 1:13:07Speaker 03

  I would say it's fifty fifty.

• 1:13:08Speaker 04

  I would say it's a hundred percent true as the person who never really spends money on themselves.

• 1:13:13Speaker 03

  Um, you got tattoo stuff, you got some clothes, you got a computer, you got.

• 1:13:22Speaker 04

  Most of my closet, I. I've had it since high school.

• 1:13:25Speaker 03

  Yeah, yeah. Have we not gone shopping, though?

• 1:13:29Speaker 04

  Yeah, to Walmart, that one item for me.

• 1:13:32Speaker 03

  Okay, and you didn't want to go to any other store?

• 1:13:39Speaker 03

  You don't know where to shop, okay? So I've told you many times, take your money that you make, and go to the goddamn store with either my mom, your mom, if she can navigate that well, and buy it.

• 1:13:57Speaker 04

  You already know whenever I go out with my mom, I'm gonna drive.

• 1:14:00Speaker 03

  I know that you're gonna drive, because your mom can't drive. I'm surprised that she makes it to this goddamn house. That's hilarious, actually. Also, that's not the same hairline.

• 1:14:12Speaker 04

  That's gonna be your hairline whenever we get up there in age.

• 1:14:16Caleb Hammer?

  Yeah, 25.

• 1:14:18Speaker 03

  So one can have hairline and still have that hair.

• 1:14:27Speaker 00

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• 1:14:58Caleb Hammer?

  Sometimes women like to be spoiled. My girlfriend likes getting gifts and whatnot. It's fine, that's not her love language, but she still likes it. I feel like you probably don't get that.

• 1:15:06Speaker 03

  She gets sushi.

• 1:15:07Caleb Hammer?

  What's your love language?

• 1:15:12Caleb Hammer?

  Do you know what that is?

• 1:15:12Speaker 03

  She responds to dick well.

• 1:15:14Caleb Hammer?

  Yo. See, that's what a guy thinks a woman only wants.

• 1:15:20Speaker 04

  I don't know, I haven't treated myself in a very long time.

• 1:15:23Caleb Hammer?

  Well, what do you like to be treated? There's quality time, there's touch, there's gift-giving, acts of service, and words of affirmation.

• 1:15:31Speaker 04

  I don't know, I just want this dude to give about me, I don't know.

• 1:15:34Caleb Hammer?

  Huh? Oh, you want him to give a about you?

• 1:15:36Speaker 04

  Yeah, I don't know.

• 1:15:37Caleb Hammer?

  Um, but in which ways, which qualities do you find to be the most important to you? Because I feel like you're just not getting them.

• 1:15:45Speaker 04

  I don't know what to expect.

• 1:15:46Caleb Hammer?

  No, what do you want? What in your dream world would you get?

• 1:15:51Speaker 04

  I would like to get my nails nails done like I know that's expensive but like

• 1:15:54Caleb Hammer?

  okay so him gifting you going and doing nice things

• 1:15:59Speaker 04

  yeah

• 1:16:00Caleb Hammer?

  okay

• 1:16:02Caleb Hammer?

  well how does it feel that you're not receiving any of this

• 1:16:04Speaker 04

  I just keep on thinking like come around the corner but

• 1:16:07Caleb Hammer?

  do you ever bring it up and talk

• 1:16:09Speaker 04

  I do and then he

• 1:16:12Speaker 03

  I don't remember

• 1:16:13Speaker 04

  Levi's always right

• 1:16:14Speaker 03

  I don't I don't remember the last time that you asked to get your nails done

• 1:16:19Speaker 04

  yeah cuz I stopped and asking

• 1:16:22Speaker 03

  okay that had been a while ago then

• 1:16:26Speaker 03

  do you want me to go get some nail polish I'll paint them for you

• 1:16:28Speaker 04

  I was making stripper money and I still never got my nails done

• 1:16:31Speaker 03

  you got your nails done many times while you were a stripper what the

• 1:16:34Speaker 04

  once dude

• 1:16:35Speaker 03

  yeah and then you complained that the nail tech your nail

• 1:16:39Speaker 04

  yeah I went to the wrong

• 1:16:40Speaker 03

  yeah

• 1:16:41Speaker 04

  I know who to go to now but like I can't fucking go to him

• 1:16:45Caleb Hammer?

  how do you I mean do you do you always have to put her in her place to be shut down you have to own the lib like what are you

• 1:16:52Speaker 03

  I would I would love for her to answer back

• 1:16:56Caleb Hammer?

  but that's just going in an unproductive circle forever

• 1:17:00Speaker 03

  because she just says the same thing that doesn't counteract my thing

• 1:17:06Speaker 04

  I'm literally trying to communicate and then

• 1:17:10Caleb Hammer?

  she's saying she does not feel like she ever gets treated and she wants to be treated

• 1:17:14Speaker 03

  yeah I hear that

• 1:17:15Caleb Hammer?

  and but your response is no you did all the time or you haven't brought that up in a while

• 1:17:19Speaker 03

  yeah as as far as the nail painting yeah she hasn't brought that up whatsoever but does she bring up sushi does she bring up wanting to go places yes

• 1:17:27Speaker 04

  yeah cuz I usually get those things if I fucking ask

• 1:17:31Speaker 03

  okay so

• 1:17:33Speaker 04

  if I ask for other that's like too much

• 1:17:36Speaker 03

  what else have you asked for besides nails

• 1:17:39Speaker 04

  clothes just to go out and do something else I don't fucking know

• 1:17:43Speaker 03

  and we have tried to go out and buy you clothes but every single thing that I pick out you're either like no not that or you're like I wish it would be like this I wish it would be like this you can't keep wishing without

• 1:17:58Speaker 04

  I like what I like I'm not gonna force myself to like I'm not gonna buy like I'm not gonna force you to spend money on that I know I'm not gonna like or no one know I'm not gonna fucking wear.

• 1:18:11Speaker 03

  Okay, then find what you want to wear and we will buy it. We could have been on here, we could have been on this exact show and instead of him saying a thousand dollars going out to eat, he could have been like, you spent a thousand dollars on clothes, on

• 1:18:30Speaker 03

  whatever the fuck, I don't know what the fuck you want. What do you want? What do you want?

• 1:18:35Speaker 04

  I don't know what I, okay?

• 1:18:37Speaker 03

  Okay.

• 1:18:38Speaker 04

  At this point, I

• 1:18:41Speaker 03

  Then, what the fuck are we even doing here? That, like, if

• 1:18:45Speaker 04

  I don't know, what the fuck are we doing here, dude? Like?

• 1:18:50Speaker 03

  In reality, I never thought I would even be on this. I wish, I actually wish I would have been on this show with actually good debt. Or, well, no, no, that's good. Correction. With minimal debt.

• 1:19:00Speaker 04

  Too bad, dude. Like, you done fucked yourself, you weren't fucking honest with me the entire fucking time. I've been paying your like, I know, like, some of that stripper money definitely went to fucking you.

• 1:19:14Speaker 03

  Yeah, it did.

• 1:19:15Speaker 04

  Your selfishness

• 1:19:18Speaker 03

  Uh, I mean, you could say that, yeah. Did I?

• 1:19:21Speaker 04

  I'm done.

• 1:19:22Speaker 03

  Did I get you out of your parents' house? Did I get you your own house? Did I?

• 1:19:28Caleb Hammer?

  Well, let's give, okay, let's give her a moment.

• 1:19:33Caleb Hammer?

  Why take it so far, take it so personally? She started going personal too there, dude.

• 1:19:38Speaker 03

  Life's personal.

• 1:19:41Caleb Hammer?

  Not with your significant other.

• 1:19:43Speaker 03

  You have to be real, though.

• 1:19:45Caleb Hammer?

  No, that's not a product. Listen, I unders-

• 1:19:50Caleb Hammer?

  That's not the best way to have a productive conversation in a relationship where things get so hyper emotional.

• 1:19:57Speaker 03

  Okay.

• 1:19:58Caleb Hammer?

  Um, I guess Lindsay will talk to her and maybe we can get her back on.

• 1:20:03Speaker 03

  She'll be okay.

• 1:20:03Caleb Hammer?

  Okay. Yeah, well, how often you put her in this kind of position, dude?

• 1:20:07Speaker 03

  Uh.

• 1:20:07Caleb Hammer?

  Come on, how often does that, how often does that happen?

• 1:20:10Speaker 03

  More than I really wanted to.

• 1:20:12Caleb Hammer?

  We've barely even gone into this money, dude.

• 1:20:15Speaker 03

  More than I wanted to.

• 1:20:17Caleb Hammer?

  More than you wanted to, yet you, that's how you have the conversation?

• 1:20:20Speaker 03

  I would wish for her to actually give me points back. Like, I would love for her to actually...

• 1:20:27Caleb Hammer?

  You're pushing her to just fight. You just want her to fight. Because you want the fight. You're not trying to resolve it. Come on. If you want her to give you the actual points, you're just saying you want her to fight. You want to have the fight.

• 1:20:42Speaker 03

  Because otherwise, she will literally just shut down from the very beginning.

• 1:20:46Caleb Hammer?

  Do you understand why? You will have an opportunity that you haven't had before. And that is to watch back this conversation and see how you act in these situations. It's not healthy.

• 1:21:00Caleb Hammer?

  Okay, okay, I'm gonna, I'm gonna check on her. I'm gonna try to corral her back. Sit, think.

• 1:21:09Speaker 03

  This is financial audit. Eventually.

• 1:21:12Caleb Hammer?

  You okay? She is back. She grabbed some hydration.

• 1:21:17Caleb Hammer?

  Okay, feeling good? Feeling okay? I got heated. It got heated. Good? Okay. What's going through our head right now, guys?

• 1:21:30Speaker 04

  This is my usual response to [BLEEP]. I just... I just try and just like, forget that's happening.

• 1:21:36Speaker 03

  So, so that would be, that, what you said would probably be the answer, just giving up, yeah?

• 1:21:42Caleb Hammer?

  What are you thinking about? Well, you went and got your Gatorade, talked to Lindsay, had your pregnancy pee, which we collected for later. What? What are you thinking about?

• 1:21:52Speaker 04

  What you gonna do? Sell it?

• 1:21:53Caleb Hammer?

  It's what fuels me.

• 1:21:55Speaker 04

  Ew.

• 1:21:56Caleb Hammer?

  Okay. What's up with this Synchrony Care card?

• 1:22:01Speaker 03

  Uh, the, is that care or car?

• 1:22:05Caleb Hammer?

  Think, car.

• 1:22:06Speaker 03

  Car, okay. Uh, the Synchrony Car card was essentially just going to be one of those cards that we were going to use in case we needed to do any major...

• 1:22:17Caleb Hammer?

  Why not have a funded emergency fund instead of having a car preemptively just in case?

• 1:22:24Caleb Hammer?

  Like you didn't even get it for an expense?

• 1:22:26Speaker 04

  He said that we were getting that for, uh, in case like the Camry had problems or like any of the other cars.

• 1:22:32Caleb Hammer?

  I've never heard of someone get a card for a just in case very specific category.

• 1:22:36Speaker 03

  So, so.

• 1:22:37Caleb Hammer?

  This is why we have emergency funds.

• 1:22:39Speaker 03

  Yes, yes, yes, I, yes. So I was thinking that if it was more than what the card would be, and/or if it was more than what we had at that point in time, we would use what we had to use on the card and/or for like, because you can use it for gas too. Um, and it traditionally is a 0% unless of course you go over the three months to six months and then they.

• 1:23:07Speaker 06

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• 1:23:39Speaker 03

  But it, I mean, it was, it was for our vehicles.

• 1:23:42Caleb Hammer?

  What are these fees?

• 1:23:43Speaker 03

  Bullshit fees.

• 1:23:44Caleb Hammer?

  What fees?

• 1:23:45Speaker 03

  Late fees? Yeah.

• 1:23:47Caleb Hammer?

  Late fees! You know he's late on his debt? He's late on your bills. He's late on your bills. Just a credit card bill. Minimum monthly payment of $76. 76! Late on 76.

• 1:23:57Speaker 04

  He didn't, he didn't tell me that he was late on any cards. I was under the impression that they were being paid.

• 1:24:05Caleb Hammer?

  What do you think?

• 1:24:06Speaker 04

  Minimumly.

• 1:24:06Speaker 03

  So that, so that is, uh, the late payments are 100% on me. I was debating on whether or not to do, um, one of those bull.

• 1:24:22Speaker 03

  What are they, uh, what's that main, that main one, uh, that national debt relief or whatever the is?

• 1:24:27Caleb Hammer?

  Okay.

• 1:24:27Speaker 03

  I was thinking of doing that bullshit.

• 1:24:29Caleb Hammer?

  Again, the third time. Like that's worked so successfully.

• 1:24:33Speaker 03

  I, I know.

• 1:24:34Caleb Hammer?

  So you're just gonna let it die?

• 1:24:35Speaker 03

  That's why I ended up.

• 1:24:36Caleb Hammer?

  But you wouldn't communicate that to your fiance?

• 1:24:38Speaker 03

  We did communicate that, actually.

• 1:24:39Caleb Hammer?

  She's saying she doesn't.

• 1:24:42Speaker 03

  We didn't do it. I, I told her that I was like, I didn't tell, okay, I didn't tell her the debt that I was in, but I did tell her, hey, I have a little bit of debt. I'm thinking of doing this to get rid of it.

• 1:24:57Caleb Hammer?

  You remember this?

• 1:24:58Speaker 04

  He did tell me about it, but again, I didn't know how much debt he was actually in. So I didn't really get like the full picture, if that makes sense.

• 1:25:08Speaker 03

  She got the overview, not the details.

• 1:25:11Speaker 04

  Yeah, he's not ever completely a hundred percent honest with me because I think he's just scared that I'm gonna get actually angry with him, which I never really do get pissy with him. It's usually he gets angry at me.

• 1:25:25Caleb Hammer?

  Really?

• 1:25:26Speaker 03

  Okay, I, I get mad at you for f***ing up real life simple. Okay?

• 1:25:33Caleb Hammer?

  This is real life.

• 1:25:35Speaker 03

  Simple. Okay, as in like, taking two hours to do a thirty minutes of f***ing dishwashing, like, f***ing.

• 1:25:48Caleb Hammer?

  What? You're getting angry at her for thirty minutes of dishwashing?

• 1:25:51Speaker 03

  Okay.

• 1:25:52Caleb Hammer?

  What the f***?

• 1:25:53Speaker 04

  Okay.

• 1:25:53Speaker 03

  No, no, not thirty, no. She will take hours to do a twenty minute job.

• 1:26:00Caleb Hammer?

  What was that getting angry at?

• 1:26:02Speaker 04

  I have continuously told this man, I have ADHD. I will, I will, like, I will start a task and be like, oh, wait, I was supposed to go do this other thing. I'll stop the task, go do, do whatever the f*** it is, finish whatever the f*** it was before and be like, oh, f***, I didn't finish this, let me come back.

• 1:26:20Speaker 03

  So.

• 1:26:21Speaker 04

  And that's just like how I work. That's just like, I'm ping pong.

• 1:26:24Speaker 03

  Whenever I was still working at the car wash and I was making enough, enough money for everything, quote unquote, um, I essentially just wanted her to become.

• 1:26:37Speaker 03

  A housewife and

• 1:26:39Caleb Hammer?

  Is that what you wanted?

• 1:26:41Speaker 03

  And still continue her apprenticeship because I could allow her to do that.

• 1:26:46Caleb Hammer?

  Cause you could allow her to do that. Is that what you wanted?

• 1:26:50Speaker 04

  What I want slash wanted was to start my apprenticeship, not really worry about [__] money. Like he told me not to [__] worry about it. So I was under the impression I could start my [__] career. Um, doing this and then like everything would be fine. Like it didn't matter if I made money like straight off the bat or not like. I would be able to have time to get my [__] together and. I don't know. Everything would be fine. That was my impression at least.

• 1:27:22Caleb Hammer?

  Do you guys even know the special thing that's happening with this credit card?

• 1:27:26Speaker 03

  The, the care card? What do you mean?

• 1:27:31Caleb Hammer?

  So that's a no. And I know you definitely don't know, right?

• 1:27:36Caleb Hammer?

  The balance, a thousand five hundred sixteen.

• 1:27:39Speaker 03

  Oh, are you talking about the interest, the cruise on the whole thing?

• 1:27:42Caleb Hammer?

  Deferred interest.

• 1:27:43Speaker 03

  Yes, yes. I, I understand the deferred interest and everything. Yes.

• 1:27:46Caleb Hammer?

  Yeah, wonderful. When does it hit?

• 1:27:48Speaker 03

  Uh, it's probably already hit, actually.

• 1:27:49Caleb Hammer?

  It hits in four days. Four days, you will have an immediate three hundred dollars that hits. Three hundred dollars, it'll push it well beyond its limit. I mean, you're gonna get [__] here. Three hundred dollars, you're about to lose. Hey, someone's gonna come to you and take three hundred dollars. In three days. They're just gonna come take it.

• 1:28:08Speaker 03

  If I had it.

• 1:28:09Caleb Hammer?

  Because he didn't manage this. He didn't pay this off in time.

• 1:28:14Speaker 03

  Are you gonna say something or just look at me stupid?

• 1:28:16Speaker 04

  I don't know how to [__] respond to that.

• 1:28:19Speaker 03

  Fair.

• 1:28:21Speaker 04

  Like what?

• 1:28:22Speaker 03

  I mean, how many times, months ago, I was telling you to get a job. Months ago.

• 1:28:28Caleb Hammer?

  Why didn't she?

• 1:28:30Speaker 04

  I was applying to jobs and I was trying to get a job. They just weren't calling back and/or I would go to the fucking interview. This is one time at like Subway. I went to the interview. The bitch told me I had the job and like everything was good. I was gonna be on the schedule next week. And like I was under the impression that that was what was gonna happen. Um, she ends up just fucking ghosting me and not telling me when to come in. And then I end up texting her and being like, hey, like, when do you need me to come in? Like, I'm ready to work. And then she's like, oh, well, actually, the person that I was supposed to be like quitting decided like not to quit just yet.

• 1:29:08Caleb Hammer?

  That happens.

• 1:29:09Speaker 04

  I believe that she just fucking lied to me to not hurt my feelings.

• 1:29:12Caleb Hammer?

  Well, I know. I mean, it makes sense. Oh, guys, this is at a literal, literal 35% interest rate. That's as bad as it gets. It doesn't get worse than that.

• 1:29:21Speaker 03

  Yeah, I know.

• 1:29:22Caleb Hammer?

  That's, um, for credit cards at least.

• 1:29:25Speaker 03

  Um, talking about her job experience, though, I will also say that she did have a job at Lowe's, uh, but she quit.

• 1:29:34Caleb Hammer?

  When?

• 1:29:35Speaker 03

  Uh, this was back in March, I think.

• 1:29:36Caleb Hammer?

  Why?

• 1:29:37Speaker 04

  I was still a stripper. Like, I was, I was still...

• 1:29:40Speaker 03

  Barely.

• 1:29:41Speaker 04

  Shut the fuck up. Shut up.

• 1:29:43Speaker 03

  I mean, you don't go for three months.

• 1:29:45Speaker 04

  Whenever I went in for the job, um, like, they weren't training me, but they just gave me a fucking broom and then just fucking walked off. And then I was just like...

• 1:29:57Speaker 03

  I mean, if they give you a broom, you should know what to do, right?

• 1:29:59Speaker 04

  I mean, I was sweeping up, but like, where the fuck did this lady go?

• 1:30:04Speaker 04

  She's supposed to be like telling me what the fuck to do?

• 1:30:06Caleb Hammer?

  Quit the first day?

• 1:30:07Speaker 03

  She quit the second day, I think, actually.

• 1:30:14Caleb Hammer?

  Do you quit? I feel like you're someone that maybe doesn't... How long are you gonna last at Domino's if you're not getting that instant return that you're seeing? Well, maybe you will, though, because tips. But I feel like if you're not seeing that instant return that you get in stripping...

• 1:30:27Speaker 04

  I don't know.

• 1:30:28Caleb Hammer?

  This is a crazy day. What even went on this?

• 1:30:30Speaker 03

  That was the truck that I sold, actually. It went towards the truck that I sold.

• 1:30:33Caleb Hammer?

  Then he sold it and didn't pay it off?

• 1:30:35Speaker 03

  I paid off, um, I actually paid our mortgage that month with what I-

• 1:30:40Caleb Hammer?

  Oh. Guys, this house situation's ridiculous. You guys aren't ready for a kid. You're not ready for a house. One of this kid's first memories, no, actually it's gonna happen before he forms memories. This is gonna be a foreclosure. Guys are gonna get pushed to that point.

• 1:30:57Speaker 03

  It doesn't have to end in foreclosure. Technically, I mean, we could sell the house.

• 1:31:02Caleb Hammer?

  Maybe. Not the best market.

• 1:31:05Speaker 03

  No.

• 1:31:06Speaker 04

  That is not what I wanted.

• 1:31:07Speaker 03

  It is worth more than what we bought it for, though.

• 1:31:09Caleb Hammer?

  That's not what she wanted. This is not what your, your future wife wanted.

• 1:31:12Speaker 03

  No, it's not. She loves our house.

• 1:31:15Caleb Hammer?

  We're guys together.

• 1:31:17Speaker 03

  Why?

• 1:31:18Caleb Hammer?

  It doesn't seem like the healthiest of all the relationships I've ever witnessed.

• 1:31:23Speaker 03

  I don't know. I love her. I care deeply about her.

• 1:31:26Caleb Hammer?

  She's just giving a shrug. Why are you still on this? It's probably, is it because of that?

• 1:31:30Speaker 04

  No, I, I love him. Like, I genuinely do.

• 1:31:32Caleb Hammer?

  Okay.

• 1:31:33Speaker 04

  I just think things will work out for some reason.

• 1:31:36Caleb Hammer?

  Well, that's deeply optimistic based on, sss, nothing. Okay. Discover it. This one's maxed out. Nine hundred ninety-eight dollars and twenty cents. So this is, um-

• 1:31:49Speaker 04

  Another one.

• 1:31:51Speaker 03

  Oh, all of them are maxed out, sweetheart.

• 1:31:53Caleb Hammer?

  Yeah, sweetheart.

• 1:31:54Speaker 03

  Let's just get that out of the way.

• 1:31:59Speaker 04

  I've never had someone call me sweetheart.

• 1:32:01Caleb Hammer?

  Yeah, who the [__] does this? It's twenty twenty-five. I've never heard someone's audibly say that.

• 1:32:06Speaker 04

  And like, "Yeah," and then you walk off.

• 1:32:08Caleb Hammer?

  I gotta go to this trip club.

• 1:32:11Caleb Hammer?

  Nine hundred eighty-eight dollars and twenty cents. Let Brandon know when you're back on the pole. He'll take a trip to Lu-

• 1:32:20Speaker 03

  Tip her well.

• 1:32:21Caleb Hammer?

  Okay, he's supportive. Okay.

• 1:32:24Caleb Hammer?

  Oh, he won't.

• 1:32:28Caleb Hammer?

  $988.20, $43 minimum monthly payment, $22,000 purchases, $22,061 of interest and credit. This takes four years to pay off. Why are we purchasing on this possibly? Who has access to the cards?

• 1:32:41Speaker 03

  Majority of them are actually in the safe.

• 1:32:43Caleb Hammer?

  Well, they're all being spent on so far. Who has access to these? You don't.

• 1:32:50Caleb Hammer?

  Okay, so you have all the cards, but you were deflecting towards her in the beginning with a few purchases. Last card was all bull purchased on. What about this?

• 1:32:59Speaker 03

  Probably also

• 1:33:02Caleb Hammer?

  Why?

• 1:33:03Speaker 03

  Probably some of it's probably her Amazon stuff.

• 1:33:05Caleb Hammer?

  To deflect to her. No, it's It was a few hundred dollars, dude.

• 1:33:09Speaker 03

  Checkers. She, she needs to eat on her way to work, man.

• 1:33:13Caleb Hammer?

  Huh?

• 1:33:15Speaker 03

  Checkers, you gotta eat on your way to work.

• 1:33:19Caleb Hammer?

  Yeah, but I definitely gave you that money.

• 1:33:22Speaker 03

  Did it checkers money?

• 1:33:23Caleb Hammer?

  Yeah, like, I was making money. I was definitely giving it to you, like.

• 1:33:29Speaker 03

  Yeah, every money, all the money that you gave to me went towards other bills.

• 1:33:39Caleb Hammer?

  At any point, I could have paid for this.

• 1:33:42Speaker 03

  Not with $400 or $500 of

• 1:33:45Caleb Hammer?

  Oh, boy. Two late payments this year so far, by the way. Two late fees. Two late fees this year so far on this card.

• 1:33:55Caleb Hammer?

  This is what you're in that you don't know about.

• 1:33:59Caleb Hammer?

  We got a saver card.

• 1:34:02Caleb Hammer?

  I guess it means at least this is never dry, huh? All right.

• 1:34:07Speaker 03

  Nah, she lived it before.

• 1:34:08Caleb Hammer?

  Okay. No one wants to picture what a balding dick looks like. $968.54 with $34 minimum monthly payment. This one takes seven years to pay off. $38 to purchases, 25. That's the first time I've ever touched a stripper.

• 1:34:26Caleb Hammer?

  I need hand sanitizer. Hey, I ain't got AIDS.

• 1:34:31Caleb Hammer?

  I did not accuse of this. I don't think you get AIDS from a pole. Lots of bacteria.

• 1:34:38Speaker 03

  I feel like you could though. Can you?

• 1:34:40Speaker 04

  If the fucking licks and rubs are fucking wet coochie on it, I guess.

• 1:34:44Caleb Hammer?

  Guys, that's not how AIDS gets spread. Wet coochie maybe a little.

• 1:34:49Speaker 03

  Yeah, I mean, isn't it bodily fluids, though? So I mean, like, if a girl is grinding up?

• 1:34:53Speaker 04

  Okay.

• 1:34:53Caleb Hammer?

  Well, if she, if she coochie-

• 1:34:55Speaker 04

  Wipe it down with alcohol. I want all your-

• 1:34:57Caleb Hammer?

  Alcohol! If she cooch touches a cooch, yeah, maybe a bit. But blood's the big one and semen. Nine hundred sixty-eight dollars and fifty-four cents. Zod on here. This one's close to max out, about a hundred bucks away. Twenty-five dollars of interest, thirty-eight dollars, seventy-four cents of purchases, meaning well beyond our minimum to payment was, woo's! Just accrued up.

• 1:35:23Caleb Hammer?

  Yeah? Great. Well done. You're not credit card people.

• 1:35:29Caleb Hammer?

  You're not-

• 1:35:29Speaker 03

  Sorry, this, this makes me burnt, man.

• 1:35:31Caleb Hammer?

  Use the FIS card. Deposit card that builds credit, doesn't let you spend, but it's not in your checking account. And listen, I'll get you a course career certification as well, so you can get into the actual fucking workforce at some point. People in the audience have used that to add to their resume and they actually go get increases in jobs or pay. So I'll get, I'll get you guys that, okay?

• 1:35:47Speaker 03

  Thank, thank you.

• 1:35:50Caleb Hammer?

  Yeah, I mean, on this card, it's Amazon and Netflix. Great. Necessities flight. I haven't had one necessary purchase yet. I want to be clear. Gone through one, two, three, four, five. Five accounts so far. Not one necessary purchase. Oh, we've had a late fee this year.

• 1:36:05Speaker 04

  Yay!

• 1:36:07Speaker 03

  Another fifty bucks down the drain.

• 1:36:09Caleb Hammer?

  Twenty-five.

• 1:36:10Speaker 03

  Oh, I figured it would be forty-one.

• 1:36:13Speaker 03

  There's another card that charges forty-one.

• 1:36:14Caleb Hammer?

  There's so much to learn about it. You have a child coming.

• 1:36:17Speaker 03

  Yeah.

• 1:36:17Caleb Hammer?

  When's it due?

• 1:36:18Speaker 03

  February seventh.

• 1:36:21Speaker 04

  Just gonna answer this for me?

• 1:36:22Speaker 03

  Yeah.

• 1:36:24Caleb Hammer?

  Do we know gender?

• 1:36:25Speaker 03

  Male.

• 1:36:28Speaker 03

  I can't answer these questions. Sorry. I have the little dude just wiggling around and me and you over here just answering all the questions. Yeah, he kicks you too. I'm sorry, go ahead and answer the question.

• 1:36:39Speaker 03

  He'll have to try harder than that.

• 1:36:42Caleb Hammer?

  You weigh like 140 pounds.

• 1:36:43Speaker 03

  I'm not saying, I weigh 125, thank you.

• 1:36:46Caleb Hammer?

  I can lay on you.

• 1:36:47Speaker 03

  And I can pick you up.

• 1:36:48Caleb Hammer?

  No.

• 1:36:49Speaker 03

  What do you weigh, 200, 250?

• 1:36:52Speaker 03

  You weigh more than that?

• 1:36:54Caleb Hammer?

  No!

• 1:36:54Speaker 03

  Oh. Damn, I was about to...

• 1:36:57Caleb Hammer?

  Like 215-ish.

• 1:36:59Speaker 03

  215, okay, I can bench you.

• 1:37:01Caleb Hammer?

  I can pull more gravity.

• 1:37:02Speaker 03

  I highly doubt that, he hasn't worked out in a very long time. Okay. He just recently started working out, he's, yeah. I lift kegs on a daily basis.

• 1:37:12Caleb Hammer?

  Her arms are thicker than yours. She's 5'1".

• 1:37:16Speaker 03

  I haven't been stripping for a minute, look at this shit.

• 1:37:18Caleb Hammer?

  Okay, Gulf Coast Federal Credit Union, Visa Platinum. What's going on with this?

• 1:37:22Speaker 03

  Uh, that's probably like my least used card.

• 1:37:24Caleb Hammer?

  Which is why it's maxed out.

• 1:37:25Speaker 03

  Yeah, I know.

• 1:37:28Speaker 03

  At one point it wasn't.

• 1:37:29Caleb Hammer?

  And that's why we purchased 55...

• 1:37:33Caleb Hammer?

  Strip club calling?

• 1:37:34Speaker 03

  No, the...

• 1:37:35Caleb Hammer?

  Not listening to...

• 1:37:36Speaker 03

  Debt collector? No, I'm joking.

• 1:37:37Caleb Hammer?

  Not listening to...

• 1:37:38Speaker 03

  They calling me.

• 1:37:38Caleb Hammer?

  I wanna go through, you know what, based on your guys' arguments, I haven't done this in a while, I wanna go through your guys' text messages in the post-show.

• 1:37:44Speaker 03

  Oh, no.

• 1:37:45Caleb Hammer?

  Oh, yeah.

• 1:37:47Speaker 03

  Oh, Jesus Christ. Common's gonna be calling me some names.

• 1:37:52Caleb Hammer?

  Is it that bad?

• 1:37:54Speaker 03

  Oh, prob- yeah, 100%.

• 1:37:57Caleb Hammer?

  Oh, I really have to, there's nothing spicy in them, right?

• 1:38:00Speaker 03

  No, we don't text any spicy to each other.

• 1:38:03Caleb Hammer?

  Snap chats.

• 1:38:06Speaker 03

  Oh. Oh, yeah, she'll send me nudes on Snapchat all the time.

• 1:38:09Caleb Hammer?

  There it is.

• 1:38:10Speaker 03

  I'll be at work and I'll be like, goddamn, what the?

• 1:38:13Caleb Hammer?

  Okay, 9:41, 27, on this card, again, maxed out.

• 1:38:19Speaker 03

  You want to rub your hand again? Another one? Yeah, I literally told you every single one of the cards that he's going to pull out is either right there or right at it.

• 1:38:29Caleb Hammer?

  Hundred nine minimum monthly payment. Oh, it's past $255 currently.

• 1:38:33Speaker 03

  Yes, yes, it is.

• 1:38:34Caleb Hammer?

  Okay, great. All done?

• 1:38:37Speaker 03

  Thank you.

• 1:38:38Caleb Hammer?

  Dude, what are we even doing? Yeah, it was a return payment fee because you didn't have enough money. Sucking nuts and fucking butts, that's what we're doing. Did you hear what happened?

• 1:38:47Speaker 03

  Yeah, I did.

• 1:38:47Caleb Hammer?

  You did not have enough money in your checking account, so it bounced, meaning he got an extra fee for not having enough when it tried to pull the minimum monthly payment.

• 1:38:59Caleb Hammer?

  Yeah, just throw that. Yeah, we've already hit a late fee this year. That interest, this is just horrible. It's not even that high of an interest rate for credit cards, I mean, it's 17, but come on.

• 1:39:12Caleb Hammer?

  Care credit for the pets?

• 1:39:14Speaker 03

  Yes, sir.

• 1:39:15Caleb Hammer?

  Okay. Which pit bull hurt which pit bull? You ever change jobs and totally forget about the 401K you left behind? Yeah, well, so did literally millions of other people. In fact, over $2.1 trillion now sits in forgotten 401Ks. That's almost 25% of all 401K dollars just floating around like socks in the dryer, except these socks could have been compounding interest. And this isn't a small issue. The number of left behind 401Ks has doubled in the last 10 years. We're at nearly 32 million accounts. And thanks to federal layoffs, there are nearly 3 million forgotten TSP accounts, too. That's the government version of a 401K. And worse? As account balances rise and 401Ks start including private equity and other alternatives,

• 1:39:59Caleb Hammer?

  the whole system gets more complex and your money gets harder to track. And that is where today's sponsor, Capitalize, comes in. They'll help you find your old 401K, set up or connect an IRA you actually control, and handle the whole rollover process for you. No faxes, no paper checks, no stress. So roll over your old 401K today. Hit the link in the description or go to hicapitalize.com/caleb. Your future self and your net worth will thank you.

• 1:40:22Speaker 03

  Uh, no, that one actually was... So the newest one?

• 1:40:26Caleb Hammer?

  Don't tell me it's for a bird.

• 1:40:28Speaker 03

  No, it was, it's for the dog, so...

• 1:40:30Speaker 04

  We brought one of the birds emergency vet.

• 1:40:33Speaker 03

  Oh, no, that...

• 1:40:34Speaker 04

  That was Yababa.

• 1:40:35Speaker 03

  That, that cost fifty bucks, okay? And, okay, that, that's not, that's not the big spender on that, okay?

• 1:40:41Speaker 04

  Okay, okay.

• 1:40:42Speaker 03

  The big spender on that is our newest dog, Chunks. We had taken him to the vet to get his first round of, uh, vaccines. It cost a hundred and fifty dollars, it was completely fine. We got home, uh, he seemed perfectly fine, everything was going great. Um, then around ten o'clock, he started to throw up a lot of blood and shit.

• 1:41:03Caleb Hammer?

  Yeah, that sucks, I'm sorry. Yes, that is a good way, there, that's why we would definitely take a dog to the vet. But that's why we have pet insurance, but you guys have insane amount of pets. Yeah, I know, that sucks, and that's, you guys shouldn't have pets, you can't afford, you can't even pay your mortgage. Should you have pets? No, why'd you keep accumulating them? You can't afford them, it's selfish. You can't take care of them.

• 1:41:23Speaker 03

  They're happy.

• 1:41:24Caleb Hammer?

  Dude!

• 1:41:25Speaker 04

  The dogs are definitely happy, they're living a miserable life. But, um... In my opinion, in my opinion, I think the dogs are living kind of a miserable life, like a little bit, yeah.

• 1:41:41Speaker 04

  I know, I know, I know you're mad, I'm sorry.

• 1:41:44Speaker 03

  I... They have a backyard, they're fed every day, they have plenty of toys, they interact with each...

• 1:41:51Caleb Hammer?

  Why are they miserable?

• 1:41:52Speaker 03

  Yeah, um, yeah.

• 1:41:53Speaker 04

  We're always working or doing, so like... They're like, a good majority of the day, like, they're locked up. It, like, whenever we are home, they're, they're outside, they're like playing and stuff, and like, in the backyard, tearing up our backyard. Um...

• 1:42:12Speaker 04

  I don't know, I just think we have too many of them, I think three was like, the max.

• 1:42:18Speaker 03

  Then why did you want the fourth? Why?

• 1:42:21Speaker 04

  You're the one who suggested it, you're the one who found the fucking Facebook post and was like, "Oh my god, he's so freaking cute." And I was like, "Oh my god!", and you just should not have showed me a baby dog.

• 1:42:33Speaker 03

  Did I show you that post?

• 1:42:34Speaker 04

  Yes, you did!

• 1:42:35Speaker 03

  Oh, okay.

• 1:42:36Speaker 04

  I was like, "Oh my shit, I must have..."

• 1:42:41Caleb Hammer?

  It's selfish. You must hold him. You must. That's selfish. You guys can't take care of these dogs adequately. When emergencies happen, I mean, this has a limit of a thousand. If another emergency pops up, how are we paying to keep one alive? It's not fair to them.

• 1:43:00Caleb Hammer?

  You can't afford pet insurance. I guess you guys can't afford to live with your current mortgage. Like, this doesn't make sense.

• 1:43:07Speaker 03

  You can, if he is going to die, you can save him by making it happen as quickly and painless as possible.

• 1:43:14Caleb Hammer?

  Yes, but that is unfair to the dog that you're the one who's like, let's get more and more and more and more, and we can't afford to keep them alive.

• 1:43:20Speaker 03

  They are being fed. They have a nice home, okay?

• 1:43:25Caleb Hammer?

  Did you not hear my argument? You don't have to repeat that. We all know that. Do you understand what I am saying? Levi's always right.

• 1:43:32Caleb Hammer?

  Is that the catchphrase around the house?

• 1:43:34Speaker 03

  That's her catchphrase, I guess.

• 1:43:36Caleb Hammer?

  Well, do you understand why?

• 1:43:38Speaker 03

  Yeah.

• 1:43:38Caleb Hammer?

  It's because you didn't, you didn't, you said your point. And then I brought up something counter for you to potentially listen to, to challenge your own point of view and recognize, okay, maybe that's not right. And then instead of even acknowledging it, you went back to your original point. Like, that's how you do. That is Levi is always right.

• 1:43:58Speaker 03

  If, okay, if one of the dogs get into a situation where they quite literally will die, and we can't afford to save them, God forbid.

• 1:44:07Caleb Hammer?

  Thirty-two percent.

• 1:44:08Speaker 03

  A nine millimeter will solve that real quick. Like, it's as simple as that. That, yes, that sounds horrible. That is horrible.

• 1:44:18Caleb Hammer?

  Does it sound horrible? Probably because it's horrible.

• 1:44:21Speaker 03

  If the dog can't be saved, then it can't be saved.

• 1:44:24Caleb Hammer?

  Only can't be saved because you chose to adopt him and you can't afford to take care of them. That's the only reason they can't be. That's why it's selfish. Levi's always right.

• 1:44:38Caleb Hammer?

  I'm more on Pixie's side here. Me and my girlfriend are gonna adopt a stripper and take her away.

• 1:44:43Speaker 03

  You're too big for her.

• 1:44:45Caleb Hammer?

  I said we're gonna adopt her.

• 1:44:47Speaker 04

  Yeah, that's what I mean. They're taking my fucking clothes off. Jesus.

• 1:44:51Caleb Hammer?

  We would've, but I'm kidding.

• 1:44:55Caleb Hammer?

  We don't go for sixes. Boom, roasted. Discover it. What's going on with this?

• 1:45:00Speaker 03

  Says the four.

• 1:45:01Caleb Hammer?

  Boom, roasted. Every zero you add to your net worth adds a number though, so that's what's lucky. That's why I am statistically pushed to an eight out of 10.

• 1:45:09Speaker 03

  So you can pull a 10 that'll take all your money?

• 1:45:12Caleb Hammer?

  Uh, prenups.

• 1:45:14Speaker 03

  Ah, yeah, there we go.

• 1:45:15Caleb Hammer?

  $745.59 is on a Discover card. What's going on with this?

• 1:45:21Speaker 03

  Uh, which one is that?

• 1:45:23Caleb Hammer?

  Also, at least you can see my fucking lips. I trim. I care about my appearance.

• 1:45:28Speaker 04

  I love his mustache. I will defend the mustache. I, I love.

• 1:45:34Caleb Hammer?

  It's radish.

• 1:45:36Speaker 04

  I don't, okay, okay.

• 1:45:39Caleb Hammer?

  Mississippi. 440. What's going on with this card? The first card we didn't have purchases on, still takes three years to pay off.

• 1:45:46Speaker 03

  That's her card, right?

• 1:45:47Speaker 04

  Yes, it's my card.

• 1:45:48Caleb Hammer?

  The first card that didn't have purchases was her card?

• 1:45:51Speaker 03

  Yeah, cuz I don't allow her to use them.

• 1:45:55Caleb Hammer?

  That's insane.

• 1:45:56Speaker 04

  I'm just here, man. I'm just here.

• 1:45:59Speaker 03

  I mean, if I let her use them, we'd be in even a horrible position, no?

• 1:46:03Caleb Hammer?

  Hold on. Okay, you meet, you love, I get it, but what the f*** that dynamic you want in your relationship? I'm just gonna say?

• 1:46:09Speaker 04

  No.

• 1:46:10Caleb Hammer?

  Then what the f***? Huh? What the f***? What the f***?

• 1:46:15Caleb Hammer?

  What are you doing?

• 1:46:16Speaker 04

  I don't know. I don't know, man.

• 1:46:18Caleb Hammer?

  Uh, I, I, I, uh, what would I say you're doing? Accepting? And coping?

• 1:46:28Caleb Hammer?

  And it's insane. I don't know why the fuck you're dealing with this. I'm not saying you're bad in all instances. I don't know, but what the fuck is that? Cause I don't let her. And then you hate that dynamic and you're just accepting it and having a baby with it? What? That's what you're committing to for the rest of your life? Not trying to break you guys up. I don't want you guys to break up necessarily, but what the fuck is that? That's crazy.

• 1:46:48Speaker 04

  Break up either.

• 1:46:49Caleb Hammer?

  Yeah, but exactly. But why would you not want that? Cause that is kind of one of the craziest, most controlling things I've ever heard in my life.

• 1:46:56Speaker 04

  I don't know.

• 1:46:57Caleb Hammer?

  Dude, that's concerning for me to hear. Just straight up, that's concerning.

• 1:47:00Speaker 04

  Okay, so.

• 1:47:01Caleb Hammer?

  And you're just accepting it because you've compromised.

• 1:47:03Speaker 04

  Mad at me for spending on it?

• 1:47:06Caleb Hammer?

  Are you afraid you won't find anyone?

• 1:47:07Speaker 03

  Here, I.

• 1:47:08Caleb Hammer?

  You're afraid that you're pregnant?

• 1:47:09Speaker 03

  I, uh, I'll let her speak freely and I'm going to the restroom. So that I don't even know what she's saying and she can.

• 1:47:15Caleb Hammer?

  Yeah, except you're gonna watch it back, dude.

• 1:47:17Speaker 03

  I, yeah, I will. I will. I will. No doubt. Yeah, I'm gonna watch this whole episode to be honest.

• 1:47:23Speaker 04

  Oh.

• 1:47:23Speaker 03

  But I do really gotta go pee. I'm sorry.

• 1:47:25Caleb Hammer?

  Go pee, dude. Have a pee?

• 1:47:27Speaker 04

  Okay, now I'm nervous. Um, I don't know. He got mad at me for spending on that.

• 1:47:33Caleb Hammer?

  Looks like normal hair when you see it from the back.

• 1:47:35Speaker 04

  He, um, he got mad at me for spending on this card. Um.

• 1:47:40Caleb Hammer?

  Well, he spends on all his cards.

• 1:47:42Speaker 04

  Yeah, but I didn't know like he was maxed out on all of his.

• 1:47:45Caleb Hammer?

  Is this a controlling relationship?

• 1:47:48Speaker 04

  I mean, I guess you could call it that.

• 1:47:49Caleb Hammer?

  Well, come on. Is this a controlling relationship?

• 1:47:53Speaker 04

  I mean, he, he does like.

• 1:47:55Caleb Hammer?

  Colton, you wanna sit in?

• 1:47:56Speaker 04

  He sails the boat.

• 1:47:59Caleb Hammer?

  Colton talked to you guys for a few hours and we're just, this is a, we're, I'm committing to the financial audit, the movie, the sequel. Colton. Hi. Is this a controlling relationship? Engaged Colton, by the way, very experienced in the dating world. He goes more for, you know, the gay side, but he's still, you know, relationship. Is this controlling? Cause what the fuck is happening here? It seems

• 1:48:22Speaker 05

  Much like it is, at least with especially purchases, like the fact that he won't let you use any like cards? Or the fact that he, what I don't like is that he's kind of telling you like, what I noticed was like, oh, you use this card for like a gun that, you know, I wanted to get you. And then was telling you like, oh, but I got you this, but I want you to use your card for it. And then it's like coming on here and saying like, oh, but now you are owing on that gun and you need to make these purchases on it. I don't like that.

• 1:48:58Caleb Hammer?

  And then he specifically sat here and said, for this one, yeah, I won't let her.

• 1:49:02Speaker 05

  Yeah.

• 1:49:05Caleb Hammer?

  This is red flags galore. I'm not saying he's inherently across the board a bad person. I'm not, but this dynamic's weird. And the way he talks to you is fucking weird. How? Have you not seen these conversations that have happened in this episode? The dude right goes for insults and he will not give an inch and he seems very controlling and manipulative.

• 1:49:28Caleb Hammer?

  You just nod your head?

• 1:49:32Caleb Hammer?

  Did he wash his hands? I don't think that's possible with how quick you were and the distance that it was from.

• 1:49:39Speaker 03

  I ran.

• 1:49:40Caleb Hammer?

  Okay.

• 1:49:43Speaker 03

  You wanna smell them?

• 1:49:45Caleb Hammer?

  Yeah, he washed them. Thoughts? Um, I think you're right. I think you are right. And you will just accept it and stay with it forever? I feel like every single time I try to communicate, it just ends up being a show. Exactly. Levi's right. So what can you do then? You're just gonna accept it forever? No, I'm just hoping that we can communicate. That won't happen. That doesn't just magically happen. That's not how this works. That's not how any relationship has ever worked in the history of the world. Nothing just magically happens. You holding on to that is a cope extreme. Huh? You can't just, ah, that? This is your life.

• 1:50:31Caleb Hammer?

  I don't know. I don't know what the fuck I'm doing. I don't know what the fuck I'm doing.

• 1:50:37Caleb Hammer?

  Well, here's the reality, if we can be completely honest, compared to even 10 years ago, especially 20, 30 years ago, you at 22 are about the mental and life maturity as people back 10, 20, 30 years ago were at about 16, 17, okay? People are maturing less today. Like, pretty much every polling and survey that's been done on this shows that people are just maturing less. A lot of it had to do with the COVID generation, you're kind of a part of that. I don't know if you're mature enough to be in this type of situation and committing to what you're committing to right now.

• 1:51:09Speaker 04

  I mean, I don't want to blame my parents at all, but like, they kind of did just keep me underneath the fucking rock and told me never to get a credit card, because all of them are bad.

• 1:51:19Caleb Hammer?

  You're just accepting this forever.

• 1:51:22Speaker 04

  Like, I'm, I'm-

• 1:51:23Caleb Hammer?

  And your hope is a magic fix?

• 1:51:24Speaker 04

  I don't fucking know.

• 1:51:27Caleb Hammer?

  I'm just afraid to look back at this conversation in 10 years, when you're 32.

• 1:51:34Speaker 04

  I was hoping by the time I was 30, I'd have my own tattoo shop, but financially, you don't look like it.

• 1:51:39Caleb Hammer?

  Here, dude, that is not the point here. Lowe's, what's happening with Lowe's?

• 1:51:44Speaker 03

  Uh, we, we got that to expand, um, our front walkway.

• 1:51:52Caleb Hammer?

  Why is that critical, out of everything that's happening in our entire life, to expand a front walkway? $503.29, minimum monthly payment $41, why the [__] is that even considered remotely important?

• 1:52:06Speaker 04

  We needed a distraction, honestly, from what the [__] was going on in life.

• 1:52:11Caleb Hammer?

  What the [__] was going on?

• 1:52:13Speaker 03

  I got this approximately a month before I got fired.

• 1:52:19Caleb Hammer?

  Still don't know why this was the important, critical purchase.

• 1:52:22Speaker 03

  She kept yelling at me about not having-

• 1:52:24Caleb Hammer?

  About the walkway?

• 1:52:25Speaker 04

  I was just making complaints, like, I wasn't, like, putting my foot down and saying we needed it to happen.

• 1:52:31Caleb Hammer?

  Yeah, if he can, if he hears a complaint about something long enough, yes, he will probably do an action to do it, because it's a signal that you want something to be done.

• 1:52:39Speaker 04

  I complained about other [__] and I don't get it, so I don't know why the [__] this was like a compromise.

• 1:52:45Caleb Hammer?

  I mean, that's on him.

• 1:52:47Speaker 04

  Like, this could have waited, but-

• 1:52:51Speaker 04

  We didn't.

• 1:52:52Caleb Hammer?

  Interest, I mean, it is interest free period for a second. Um, thirty one point nine nine percent is what it will be.

• 1:53:00Speaker 03

  They also closed that account.

• 1:53:02Caleb Hammer?

  Oh, that's.

• 1:53:03Speaker 03

  Yeah.

• 1:53:04Caleb Hammer?

  Okay, interesting. This interest kicks in and, you know. Um, mid next year. Amazon, we're affirming Amazon at thirty six percent. What? What the is this? What the is this?

• 1:53:23Caleb Hammer?

  What the?

• 1:53:25Speaker 03

  I truthfully don't even remember what was on that Amazon.

• 1:53:27Caleb Hammer?

  Oh, good.

• 1:53:28Speaker 03

  I truly don't.

• 1:53:29Caleb Hammer?

  I'm thrilled.

• 1:53:29Speaker 03

  I can't even.

• 1:53:30Caleb Hammer?

  Oh, I don't even, what's the minimum on it? I don't even know, dude.

• 1:53:33Speaker 03

  Thirty dollars.

• 1:53:34Caleb Hammer?

  Oh, great. Thirty dollar minimum. It's at a hundred eighty four dollars and seventy three cents.

• 1:53:39Speaker 04

  It just keeps on getting deeper.

• 1:53:42Caleb Hammer?

  Yes. Yes, it does. And you had no idea about how much of this? How much of this did you know about? Just straight up know about?

• 1:53:50Speaker 04

  I knew about him consolidating like the loans and everything.

• 1:53:56Caleb Hammer?

  Dude, you know, you're marrying into this. You know, this is the father of your, this is the finances that your child grows up in.

• 1:54:05Speaker 04

  I kind of feel dumb.

• 1:54:08Caleb Hammer?

  Dumb for what?

• 1:54:09Speaker 04

  I don't know, not knowing all this.

• 1:54:12Caleb Hammer?

  Why won't you let her know? Doesn't seem fair to me. Is it fair to you? It's a fair to you that you are not informed of this before you accept it in engagement.

• 1:54:22Speaker 04

  I mean, I would have accepted it either way, but.

• 1:54:25Speaker 03

  Oh, she loves me.

• 1:54:26Caleb Hammer?

  She does love you.

• 1:54:27Speaker 03

  I love her too.

• 1:54:28Caleb Hammer?

  Great, wonderful. Is it fair that before being engaged?

• 1:54:33Speaker 03

  No.

• 1:54:34Caleb Hammer?

  That she would not know, then why the would you not tell her?

• 1:54:36Speaker 03

  I'd.

• 1:54:38Caleb Hammer?

  Three hundred five dollars for this AutoZone, another thirty six percent interest. What's the minimum on that?

• 1:54:43Speaker 03

  Uh, I don't even know.

• 1:54:44Caleb Hammer?

  I'll say thirty.

• 1:54:46Speaker 03

  Uh, that was, that was, that was all, that, that AutoZone was actually all for her. That was for her car.

• 1:54:52Caleb Hammer?

  Very quick and happy to say when it's for you, by the way.

• 1:54:55Speaker 03

  I, yeah, I am.

• 1:54:57Caleb Hammer?

  Almost thrilled to do so.

• 1:55:00Speaker 03

  I mean, it was my first transmission, filter change and fluid flush. It went smoothly. Car runs great.

• 1:55:07Caleb Hammer?

  Harbor Freight, what's going on?

• 1:55:10Speaker 03

  Um.

• 1:55:11Caleb Hammer?

  Fees, fees, there's a late fee.

• 1:55:12Speaker 03

  Yeah.

• 1:55:13Caleb Hammer?

  Late fee, how many, how many late fees have we had that we've talked about so far? Five, four? Late, all your bills, all your bills.

• 1:55:21Speaker 04

  Why don't you just write this down?

• 1:55:23Speaker 03

  So, the reason why a few of those were late is because I was thinking of doing the national debt bullshit.

• 1:55:29Caleb Hammer?

  A reason one of them was late is he literally didn't have the money in the checking account, it bounced.

• 1:55:34Speaker 04

  Yeah.

• 1:55:35Speaker 03

  Yeah, that is.

• 1:55:36Caleb Hammer?

  So, you just don't have enough money to even pay your bills? By the way?

• 1:55:42Speaker 03

  Uh, but that Harbor Freight was to, uh, purchase a few things for the mobile detailing.

• 1:55:48Caleb Hammer?

  Oh. Oh.

• 1:55:52Caleb Hammer?

  Great, wonderful. Yeah, $488, uh, and then is $72 minimum payment. What the are we doing here?

• 1:56:00Speaker 04

  Didn't you tell me that you've made back the money that you spent for the detailing?

• 1:56:05Speaker 03

  And it went towards the mortgage and the lights.

• 1:56:08Caleb Hammer?

  We shouldn't be having a kid if the conversation we're having is keeping the lights on. I'm sorry.

• 1:56:14Caleb Hammer?

  We would be using rubber. It's too late, obviously, but you guys should have been much more cautious.

• 1:56:21Speaker 04

  God forbid a freak accident happens.

• 1:56:24Caleb Hammer?

  It's not a freak accident if you're not using protection, you dumb tit. If cum is inside of you and you do not have a pill or whatever other variety you would prefer. Yeah, believe it or not, babies come from that.

• 1:56:39Speaker 04

  Yeah, yeah.

• 1:56:40Caleb Hammer?

  So freak accident? What are you talking about?

• 1:56:43Speaker 04

  I

• 1:56:45Speaker 04

  forget what I said.

• 1:56:51Caleb Hammer?

  Capital One Platinum Card. Now what? What's going on with this?

• 1:57:00Caleb Hammer?

  Alright, $231.02 is out on this with a minimum monthly payment of $25. Oh yeah, oh yeah, it keeps going, trust me.

• 1:57:09Speaker 04

  How many more papers do you got?

• 1:57:10Caleb Hammer?

  Uh, this is the normal stack of paperwork that most people come into the studio with. That's what's left.

• 1:57:17Speaker 03

  Yeah, I got like nine, 10 credit cards, three loans.

• 1:57:21Caleb Hammer?

  She doesn't even know this. This is wonderful. This is so, what a, what a relationship. What an incredibly ran relationship we have.

• 1:57:29Speaker 04

  I, I don't want to know what this drive back is gonna be like.

• 1:57:33Speaker 03

  Oh, 10 hours of fun.

• 1:57:34Caleb Hammer?

  They drove.

• 1:57:36Speaker 03

  Hey, gotta save the money.

• 1:57:38Caleb Hammer?

  Oh, fu-

• 1:57:42Caleb Hammer?

  Yeah, except we literally like, give enough money to cover the flights and everything, but that's okay.

• 1:57:47Speaker 03

  See, but less, that would be less money.

• 1:57:49Caleb Hammer?

  I get it, I get it.

• 1:57:51Speaker 03

  Yeah.

• 1:57:52Caleb Hammer?

  I understand.

• 1:57:53Speaker 03

  Pay off some things.

• 1:57:54Caleb Hammer?

  This is gonna be horrible. What is the drive back gonna be like? Cause I want to know how this goes after this. How does this go post-conversation?

• 1:58:01Speaker 04

  I mean, if he wants to have a [BLEEP] fit, I guess we can have a [BLEEP] fit. Or...

• 1:58:07Speaker 03

  Is that what you call them?

• 1:58:11Speaker 04

  Or I can just be quiet. And you can shut the [BLEEP] up until we get home, and then we can just [BLEEP] and choke each other.

• 1:58:22Speaker 03

  There's no mutual combat in Texas, though. Let's have the conversation here. No, I'm joking.

• 1:58:29Speaker 03

  I do not condone hitting women, ever.

• 1:58:34Speaker 03

  Sorry, I had to say that, because I'd be joking about that too much.

• 1:58:39Speaker 04

  Women don't have rights.

• 1:58:42Caleb Hammer?

  How do you think this conversation is gonna go on the way home? Ten hours?

• 1:58:45Speaker 03

  Um, probably not much conversation.

• 1:58:47Caleb Hammer?

  Turned into Kermit the Frog all of a sudden. What the fuck happened?

• 1:58:51Speaker 03

  Probably the cat. Impromptu.

• 1:58:54Speaker 03

  It lathers the throat.

• 1:58:55Caleb Hammer?

  Continue, how does it go?

• 1:58:56Speaker 03

  Um, probably, it's either gonna go where there's no conversation the whole way.

• 1:59:02Caleb Hammer?

  Ten hours, that's crazy, okay?

• 1:59:03Speaker 03

  Or, we're gonna argue for a little bit, I'll tell her to shut the fuck up, and she might, she might not.

• 1:59:12Speaker 03

  And then, however it really goes from there.

• 1:59:14Caleb Hammer?

  Why would you tell her to shut the fuck up?

• 1:59:17Speaker 03

  Uh, it's dangerous.

• 1:59:19Speaker 04

  You're the one who's got us deep into this.

• 1:59:21Speaker 03

  It's dangerous to drive and have arguments and discussions.

• 1:59:25Speaker 04

  We could pull over and fight each other.

• 1:59:27Speaker 03

  Only in Texas.

• 1:59:29Speaker 04

  Pull over anywhere. Any state, I don't give a.

• 1:59:34Speaker 03

  Yeah, but it's legal in the other states.

• 1:59:39Caleb Hammer?

  So no answer, okay. This is essentially what I got from that.

• 1:59:42Speaker 03

  I gave, I gave you two answers.

• 1:59:43Caleb Hammer?

  No, it sounds like it's just gonna be completely unproductive in every way possible.

• 1:59:48Speaker 03

  Probably.

• 1:59:49Caleb Hammer?

  Because we refuse to change our communication style and work on ourselves.

• 1:59:52Speaker 03

  Probably.

• 1:59:53Caleb Hammer?

  Uh, this cash app, one hundred and fifty bucks went out, let's see.

• 1:59:56Speaker 04

  I gave him some of that money.

• 1:59:59Caleb Hammer?

  Well, it's all gone.

• 2:00:00Speaker 03

  Yeah, I went towards the dogs.

• 2:00:01Caleb Hammer?

  I don't know to what.

• 2:00:02Speaker 03

  I went to the dogs. They, uh, it had been a good minute since they've been groomed.

• 2:00:07Caleb Hammer?

  Oh, we have a motorcycle. Why the? Why the?

• 2:00:13Caleb Hammer?

  No, why the? This is unacceptable. How can you possibly allow yourself to have this when you can't pay our mortgage?

• 2:00:20Speaker 04

  I, I told, I told Levi this was a terrible idea, but he convinced me on the first purchase.

• 2:00:29Speaker 03

  I convinced you on the second purchase, really?

• 2:00:31Speaker 04

  No, he convinced me on the first and second purchase, let's get that correct.

• 2:00:34Speaker 03

  Okay.

• 2:00:35Speaker 04

  Um, that this was gonna be a great thing. Um, he said that he was gonna teach me how to ride motorcycle, but, uh, that never happened.

• 2:00:46Speaker 03

  We got the three hundred, um, because, um, I didn't have a vehicle at that point in time.

• 2:00:56Caleb Hammer?

  Great, but you do now, sell it. What's it worth?

• 2:00:59Speaker 03

  Um, I don't know.

• 2:01:03Caleb Hammer?

  Yeah, we didn't get the value, but you owe $5,276. Minimum of the payment of $167 a week, which is-

• 2:01:10Speaker 03

  Is that the 300?

• 2:01:11Caleb Hammer?

  Yes.

• 2:01:12Speaker 03

  It's probably worth 5,000 for-

• 2:01:13Caleb Hammer?

  Sell it! You cannot afford a $167 minimum payment. You can't!

• 2:01:18Speaker 04

  Especially when it's bouncing.

• 2:01:20Caleb Hammer?

  We're already done.

• 2:01:21Speaker 03

  Fair.

• 2:01:22Caleb Hammer?

  And you need to get to bouncing on dick as soon as possible to pay off all this debt, except not really. I mean, I, let's, do you really wanna be a stripper?

• 2:01:28Speaker 03

  So, so I'm curious. How would I even really go about selling that vehicle if I don't own it?

• 2:01:34Caleb Hammer?

  List it on Facebook Marketplace and credit.

• 2:01:36Speaker 03

  But, but like, I don't own it, though. Like, I don't have like a title to it, so how would I really go about that?

• 2:01:43Caleb Hammer?

  Usually you do the exchange at the end. There's legal paperwork and whatnot.

• 2:01:47Speaker 03

  Oh, okay.

• 2:01:48Caleb Hammer?

  It, I mean, state to state, there's different rules, so-

• 2:01:50Speaker 03

  Okay.

• 2:01:51Caleb Hammer?

  You're just gonna have to look.

• 2:01:52Speaker 03

  Alright, I'll do my research.

• 2:01:53Caleb Hammer?

  This suggests you can't sell it, this is ridiculous.

• 2:01:55Speaker 03

  I can, I can definitely sell the 300, I'll agree with you there.

• 2:01:58Caleb Hammer?

  Good, sell it, you just can't afford this minimum payment, it doesn't make sense.

• 2:02:01Speaker 04

  He does drive the 500 every day.

• 2:02:04Caleb Hammer?

  Does he have a car as well?

• 2:02:06Speaker 04

  No, he has the, uh-

• 2:02:08Caleb Hammer?

  Well, the 500's even worse.

• 2:02:09Speaker 03

  It's a Pathfinder.

• 2:02:10Speaker 04

  He could drive my Camry some days if I wasn't working, but obviously I-

• 2:02:17Caleb Hammer?

  If you're working, there is nothing besides this for him.

• 2:02:20Speaker 04

  Yes.

• 2:02:21Caleb Hammer?

  Uh, drive the 300, cuz this one's more expensive, and sell this one.

• 2:02:25Speaker 03

  The, it would be a whole lot safer for me to drive the 500 than the 300.

• 2:02:29Caleb Hammer?

  Is that a cope?

• 2:02:30Speaker 03

  No, no, it quite literally would be, I have to drive on the interstate. And it is significantly safer for me to drive the 500. Speed.

• 2:02:39Caleb Hammer?

  Huh?

• 2:02:40Speaker 03

  If, if I have to get out of a dangerous situation, no.

• 2:02:43Caleb Hammer?

  How fast does the 300 go?

• 2:02:45Speaker 03

  85.

• 2:02:46Caleb Hammer?

  Oh, shut the f- up!

• 2:02:47Speaker 03

  Pe- people drive 100 on that road.

• 2:02:49Caleb Hammer?

  Go right lane, dude, right lane.

• 2:02:52Speaker 03

  They will not see you. The amount of accidents that happen-

• 2:02:55Caleb Hammer?

  Well, yes, you should have a motorcycle anyway, it increases your risk of death by like 80%.

• 2:02:59Speaker 04

  My mom called me the other day because, uh, someone died, so-

• 2:03:03Caleb Hammer?

  Who?

• 2:03:04Speaker 04

  My mom. Called me the other day.

• 2:03:05Caleb Hammer?

  If you're gonna how to use the phone?

• 2:03:07Speaker 04

  Yeah.

• 2:03:07Speaker 03

  Shit, that's what I be wondering sometimes.

• 2:03:09Speaker 04

  Well, actually, she can't even, uh, text. She has to use like the text to speech whenever.

• 2:03:13Caleb Hammer?

  There it is.

• 2:03:13Speaker 04

  Yeah. She has no hand-eye coordination.

• 2:03:17Caleb Hammer?

  Yes, no, I wouldn't have this. Uh.

• 2:03:19Speaker 03

  It saves a lot on gas also.

• 2:03:22Caleb Hammer?

  No, again, I'd keep the 300 and stuff. Here's dumbass cope. Sell the 500. The 500.

• 2:03:28Speaker 03

  It's 40 more dollars. It's only 40 more dollars.

• 2:03:30Caleb Hammer?

  No, it's 8,669.

• 2:03:33Speaker 03

  Yeah, I understand.

• 2:03:33Caleb Hammer?

  The total loan that you have to pay is substantially higher. I don't wanna hear it!

• 2:03:37Speaker 03

  Alright.

• 2:03:37Caleb Hammer?

  217 dollars is the minimum payment. What's the interest rate on this one? What's the interest rate on the other one?

• 2:03:41Speaker 03

  9.99.

• 2:03:42Caleb Hammer?

  Both?

• 2:03:43Speaker 03

  Yes.

• 2:03:43Caleb Hammer?

  Oh, they're horrible. Get rid of this one.

• 2:03:46Speaker 03

  I'll get rid of the 300.

• 2:03:49Speaker 04

  He's gonna get rid of my motorcycle.

• 2:03:51Caleb Hammer?

  Of course.

• 2:03:52Speaker 04

  Technically was supposed to be my motorcycle.

• 2:03:54Speaker 03

  You'll learn on the 500. It's easier anyway.

• 2:03:56Caleb Hammer?

  What is this? This looks like something in the world of real estate, but I don't know.

• 2:04:00Speaker 03

  Uh, so that's the Mississippi Home Corps. So that's, um, that's an FHA loan essentially, a down payment.

• 2:04:07Caleb Hammer?

  This is a loan for your down payment?

• 2:04:10Speaker 03

  Yes.

• 2:04:11Caleb Hammer?

  Oh, man, you were not in a position to get a house.

• 2:04:16Speaker 03

  That's what MHC is for though.

• 2:04:18Caleb Hammer?

  Huh?

• 2:04:18Speaker 03

  That's what they're for there.

• 2:04:20Caleb Hammer?

  No, dude, instead of 2% interest, it's not horrible, but if you have to borrow for a down payment, you can't get a house. And I know for a fact you didn't have a fully funded emergency fund, meaning you can't afford a repair if it happens. 74 dollars and 35 cents, minimum payment, you owe 9,568 dollars. This is moronic in every way whatsoever.

• 2:04:37Speaker 03

  That's what insurance is for though, for a repair.

• 2:04:39Caleb Hammer?

  Shut the f- dude, insurance depending on what? If your washer and dryer breaks? Oh, it did. We bought a new washer. There it is.

• 2:04:47Speaker 03

  So, we.

• 2:04:48Caleb Hammer?

  If your, if your dishwasher breaks?

• 2:04:50Speaker 03

  We don't use it.

• 2:04:50Caleb Hammer?

  Oh, we don't use our dishwasher. If your fridge breaks?

• 2:04:52Speaker 03

  We are.

• 2:04:53Caleb Hammer?

  We don't use it. Buy a new fridge. Uh huh, exactly. That will have break again at some point. Roof?

• 2:04:57Speaker 03

  20 years.

• 2:04:58Caleb Hammer?

  Roofs have to be replaced here and there.

• 2:05:00Speaker 03

  It's a brand new roof.

• 2:05:00Caleb Hammer?

  Uh huh, that has to be replaced here and there.

• 2:05:02Speaker 03

  Has warranty.

• 2:05:04Caleb Hammer?

  Warranty based on what though?

• 2:05:06Speaker 03

  I'm not actually.

• 2:05:06Caleb Hammer?

  Exactly. We don't know, buddy. There's, insurance is a beast to deal with. A beast. We got a 5.59% mortgage rate.

• 2:05:17Caleb Hammer?

  To not anticipate the cost of in housing dude and you've already had to replace things like don't be a moron also it's not 1300 it's literally 1381 it's closer to 1400 for your income that's insane and 19 cents you owe a total of 179,447 dollars and 95 cents woo type in your address I'm gonna have you type it cuz he looks greasy

• 2:05:42Speaker 03

  I'm the one with clean hands

• 2:05:43Caleb Hammer?

  so we owed oh on the house 190,000 dollars with both loans

• 2:05:48Speaker 03

  it's worth 216

• 2:05:49Caleb Hammer?

  we'll see

• 2:05:51Speaker 03

  ah it's currently down

• 2:05:53Caleb Hammer?

  huh what do you say it was worth

• 2:05:55Speaker 03

  ah it was

• 2:05:56Caleb Hammer?

  it was you 194,000

• 2:06:00Caleb Hammer?

  and and by the way Zillow is very generous

• 2:06:02Speaker 03

  it is

• 2:06:03Caleb Hammer?

  so you would actually lose money if you sold the house cuz you have to come up with closing costs you'd have to come up with all the fees all the realtor 6% for both ends splitting

• 2:06:13Speaker 03

  would you lose like what 60,000

• 2:06:16Caleb Hammer?

  no I don't know about that much but you would you'd be out of pocket I'm guessing about 20 25 maybe 30

• 2:06:23Caleb Hammer?

  yeah and you said oh we'll sell it that's what he said earlier right remember that remember when he said that that was interesting I was curious play that back

• 2:06:29Speaker 03

  technically I mean we could sell the house

• 2:06:33Caleb Hammer?

  yeah I don't think that's gonna happen cuz you guys would be and you're if you keep it

• 2:06:39Caleb Hammer?

  good luck

• 2:06:42Caleb Hammer?

  10 dollars in that checking but then also a thousand in this checking is a bit weird going in getting his energy drinks again and camera subsman 25 cents a serving what are we doing I like Graham Stefan and his life coffee this is even cheaper

• 2:06:57Caleb Hammer?

  McDonald's Hungry Llama Chick-fil-A Raisin Canes winning got an energy drink Hungry Llama energy drink Amazon Dunko

• 2:07:07Caleb Hammer?

  probably Hungry Llama energy drink McDonald's energy drink McDonald's seaweed roll sushi

• 2:07:14Speaker 03

  sushi

• 2:07:14Caleb Hammer?

  oh wow guys hey she had one out of 10

• 2:07:17Speaker 03

  the the Hungry Llama is um

• 2:07:21Caleb Hammer?

  you always wanna push things onto her so

• 2:07:24Speaker 03

  I'm not pushing that onto her

• 2:07:25Caleb Hammer?

  come on you just get so excited when it's her and not you

• 2:07:28Speaker 03

  I mean I was just about explaining the Hungry Llama though

• 2:07:31Caleb Hammer?

  Hungry Llama energy drink checkers energy drink Hungry Llama Raisin Canes Auntie Anne's Domino's supposed to be getting money from Domino's Uh huh. Energy drink, energy drink, Hungry Llama, energy drink. Huh?

• 2:07:47Speaker 04

  Some nights I don't feel like cooking.

• 2:07:49Caleb Hammer?

  Oh, that's not an option. You can't afford your life. And also, he can cook too.

• 2:07:53Speaker 03

  I, I cook most nights, actually.

• 2:07:55Caleb Hammer?

  You work thirty-eight hours a week. I don't wanna hear. Water, coffee, energy drink, energy drink, energy drink, Sonic, Icebox, energy drink, energy drink, Michael's Stores, Hungry Llama, Domino's, energy drink. A firm paying for town's something. Energy drink, this is insane. Golf sport, well, that's utilities, that's okay. Dunko, Sparklight, this is fucking insane.

• 2:08:18Speaker 03

  Sparklight's internet.

• 2:08:19Speaker 04

  Yeah.

• 2:08:19Caleb Hammer?

  Okay, that's fine. This is insane. Five dollars in the savings while we're like, hmm, we're almost headed to retirement. Oh.

• 2:08:31Caleb Hammer?

  Energy drink, energy drink, energy drink, energy drink, energy drink, Sal Beauty, Sally Beauty, McDonald's.

• 2:08:38Speaker 03

  That's her.

• 2:08:38Caleb Hammer?

  Oh wow, she got one again. He's so excited. Shut the f- up. Salon, McDonald's.

• 2:08:44Speaker 04

  I spent on my hair, that's what I was for.

• 2:08:47Caleb Hammer?

  Yeah, I wish she did, and I'll be honest.

• 2:08:48Speaker 03

  I thought she didn't get any, I thought she didn't do anything.

• 2:08:53Speaker 04

  He got mad at me whenever I did that.

• 2:08:56Speaker 03

  I got mad at you way after the fact because you did, you changed it again.

• 2:09:02Speaker 04

  My hair's fucking grown out. I literally just bought color to put back in my fucking hair. That's literally all I did.

• 2:09:08Speaker 03

  Stay natural? You can't just have a beautiful brown head of fucking hair?

• 2:09:12Speaker 04

  It's growing the f- out. What the f- am I supposed to do with this?

• 2:09:16Speaker 03

  Nothing.

• 2:09:19Caleb Hammer?

  Wow, it's gonna be an interesting ten hours. Saucer, checkers, energy drink, McDonald's. Again, I've seen like fifty thousand energy drinks in here, but we're freaking out about her doing one thing. And neither of you should do either of these things, to be clear. But your level of freak out on her doing one thing when you're out going insane, what the f- are we doing?

• 2:09:37Speaker 03

  I don't know.

• 2:09:38Caleb Hammer?

  I know you also got a hundred fifty dollars immediately spent on a Red Bull beverage before that flavor went out of stock as well. You just blew it.

• 2:09:44Speaker 04

  Hey, he did ask me about that first.

• 2:09:46Caleb Hammer?

  Yeah, but you don't know anything about the money.

• 2:09:47Speaker 04

  I didn't know anything.

• 2:09:48Caleb Hammer?

  You asked about the hair thing, right?

• 2:09:50Speaker 03

  No.

• 2:09:50Speaker 04

  No, I did not.

• 2:09:53Speaker 04

  I didn't think I should have to ask.

• 2:09:56Caleb Hammer?

  No, but it's good to communicate while we're budgeting trying to get out of debt.

• 2:09:59Speaker 04

  Well, he didn't communicate with me, so...

• 2:10:01Caleb Hammer?

  I agree. I agree. You're both... But it's really silly how angry he is about it when he does the same amount of insanity, if not more. Energy drink, energy drink, energy drink, cash app, cash app.

• 2:10:14Caleb Hammer?

  Ah, return item fees twice this year.

• 2:10:16Speaker 03

  What do you have return item fees on?

• 2:10:22Speaker 03

  Well, no, that actually makes me curious because she doesn't spend on anything. So why would she have a return item fee?

• 2:10:27Caleb Hammer?

  Guys, what are our thoughts? Give me your thoughts while I'm adding up the math. What do we think? We just went through all the debt.

• 2:10:32Speaker 03

  Oh, I know we're fully in the negative by like a good 2000.

• 2:10:34Caleb Hammer?

  Pixie, I want to hear your thoughts because you didn't know what was going on. We just went through everything. What do you think?

• 2:10:39Speaker 04

  I'm disappointed.

• 2:10:40Caleb Hammer?

  Give me more than that. I'm adding up numbers.

• 2:10:43Speaker 04

  Um, I don't know. I wish I knew like the full picture before we even got here. That would have been really nice because now I have to mentally process this for like the next week or so.

• 2:10:59Speaker 04

  So, that's nice.

• 2:11:01Caleb Hammer?

  $1,589.17 are our debt minimum payments, not including the mortgage, which is $1,381.19. Well, there we go. Our budget's already, uh, over. We, we lost. I, the, the debt payments and the mortgage, uh, it's gone.

• 2:11:21Caleb Hammer?

  We're done. That's it. Uh, I mean, let's assume maybe you bring in an additional 2,000. Where are we at currently? And that's hopeful because we don't know how many hours you're working. We don't even know what's happening at this job.

• 2:11:36Speaker 04

  No.

• 2:11:37Caleb Hammer?

  So, we're already at 3,000. Let's see. Let's keep going. Utilities, internet, all that stuff combined. Into the mic. How much?

• 2:11:45Speaker 03

  Um, the electric bill actually has gone up. I, the, the...

• 2:11:51Caleb Hammer?

  How much?

• 2:11:52Speaker 03

  It's at like 1, uh, 160, 170.

• 2:11:54Caleb Hammer?

  Gas?

• 2:11:56Speaker 03

  Um, like vehicle gas?

• 2:11:58Caleb Hammer?

  You know, gas for the house. Is there no gas?

• 2:12:01Speaker 03

  Like 30 bucks.

• 2:12:02Caleb Hammer?

  Okay, that'll be more in the winter and, but that'll supplement, you know, from the electricity. You, uh, internet?

• 2:12:09Speaker 03

  Uh, it went up to 80. I am canceling it and trying to find a different one though.

• 2:12:14Caleb Hammer?

  Utilities for now, 271. Phone bill?

• 2:12:16Speaker 03

  Uh, don't have one. Parents.

• 2:12:19Caleb Hammer?

  Either?

• 2:12:20Speaker 04

  No, no, my parents pay for my shit.

• 2:12:22Caleb Hammer?

  When you get your own, do helium, fifteen bucks a month for each line, if T-Mobile's good in your area, uses the same towers. Gas, vroom, vroom, drive, drive, both combined?

• 2:12:30Speaker 03

  Um.

• 2:12:33Speaker 04

  I don't really pay for my gas all that often, so...

• 2:12:36Speaker 03

  I buy her gas, um.

• 2:12:40Speaker 03

  All combined, in a month?

• 2:12:42Caleb Hammer?

  Mm-hmm.

• 2:12:43Speaker 03

  Let's see.

• 2:12:44Caleb Hammer?

  Best guess, come on.

• 2:12:47Speaker 03

  One twenty?

• 2:12:49Caleb Hammer?

  Car insurance combined?

• 2:12:52Speaker 03

  Um, her mom pays for her car insurance?

• 2:12:55Speaker 04

  My mom just informed me that...

• 2:12:57Caleb Hammer?

  How much is it?

• 2:12:58Speaker 04

  She said it was sixty-nine dollars.

• 2:12:59Caleb Hammer?

  And you're gonna have to pay for that soon?

• 2:13:01Speaker 04

  Uh, she's been, she paid for it the last two months.

• 2:13:04Caleb Hammer?

  Okay, how much is yours?

• 2:13:06Speaker 03

  Um, the motorcycles are, they're paid for the year, a hundred and eighty.

• 2:13:11Caleb Hammer?

  One eighty for a year, not six months?

• 2:13:13Speaker 03

  A year.

• 2:13:13Caleb Hammer?

  Divide that by twelve, plus your sixty-seven, you said?

• 2:13:17Caleb Hammer?

  Okay, so car insurance, eighty-two bucks.

• 2:13:19Speaker 04

  It was like two hundred dollars, but I had full coverage, so...

• 2:13:23Caleb Hammer?

  Oh, you're not going full, okay.

• 2:13:24Speaker 04

  Yeah, I, I went...

• 2:13:25Caleb Hammer?

  Six hundred dollars for groceries, use the budget-friendly cookbook and the meal plan we give you in the budgeting class. Total flying, you just gotta warm up, cook a few times a week, and then warm up. TP fund, anything else to survive, we should be able to do one fifty, toilet paper, tampons, all the goodies, you probably don't need those right now anyway, right? Isn't that how that works? Uh, medical health care, copays? Are there copays? I mean, she's not going, you're not going to the doctor?

• 2:13:47Speaker 04

  I'm go, yeah, but, uh...

• 2:13:49Caleb Hammer?

  There's no copays?

• 2:13:50Speaker 04

  I'm under with my parents' insurance, and...

• 2:13:52Caleb Hammer?

  And there's no copays?

• 2:13:53Speaker 04

  There's no co-copays, and...

• 2:13:54Caleb Hammer?

  Is there a gym?

• 2:13:55Speaker 04

  All paid. Uh, we don't go to the gym.

• 2:13:57Caleb Hammer?

  Okay. Subscriptions?

• 2:13:59Speaker 04

  I want to.

• 2:14:00Caleb Hammer?

  Thirty, okay, well, I'll bucket in that bucket, I'll write in gym, thirty bucks.

• 2:14:04Speaker 03

  Nobody needs a gym membership. No one.

• 2:14:10Caleb Hammer?

  Go on.

• 2:14:11Speaker 03

  Your body is free. Nobody needs a gym membership.

• 2:14:15Caleb Hammer?

  Thirty dollars for gym, for her, thirty dollars for subscriptions, if we can, car insurance, get the fuck, pet, food, how much?

• 2:14:25Speaker 03

  Um.

• 2:14:26Speaker 04

  We don't know. Know that number.

• 2:14:27Speaker 03

  Eighty bucks a month.

• 2:14:28Speaker 04

  Yeah, for the dogs.

• 2:14:30Speaker 03

  It'd be for the dogs.

• 2:14:31Caleb Hammer?

  I'm gonna say a hundred.

• 2:14:32Speaker 04

  No, the dogs, we have to buy them food multiple times a month, I would like to say. Because we got four of them.

• 2:14:39Caleb Hammer?

  Well, even if you bring in an extra two thousand, we're still under. So currently, in order to survive, you need four thousand, three hundred forty-eight dollars and twenty-eight cents. Yeah, you bring in two thousand and even with her additional two thousand, if we're lucky, you're. Um.

• 2:14:53Caleb Hammer?

  This one, I, I, listen, uh, you're one, you're gonna sell the bike, preferably the more expensive one, you probably won't, this is. Guys are, um, here's the reality. Um. Maybe we change your behavior and learn how to budget for a couple of months and then you can do bankruptcy, but I'm gonna pay for you to sit down with one of our finance people, Reed. I'll pay for the session. He's gonna go through this. He's gonna analyze before and then give you guys a plan. Cause you just need extra help. I think bankruptcy is the only way to help it, it, it, it doesn't even help our mortgage situation. You guys are, no, but again, that doesn't solve your issue because your house is way too much. This is just crazy. You, I'm sorry, this is just.

• 2:15:32Caleb Hammer?

  Like, I don't even know, guys. I'm, I'm sorry, I don't even know. I'm gonna pay for that session at this point, I mean, I'm burnt out and this is.

• 2:15:41Speaker 04

  I'm sorry.

• 2:15:42Caleb Hammer?

  It's fine, it's, this is your life, so I'm sorry.

• 2:15:47Caleb Hammer?

  Oh. Oh. Okay, I'm not gonna spoil what it is. Oh my goodness, there's something that Levi doesn't know that she's been doing that we're gonna talk about on the post show, sorry, big guy. It's getting weird too and juicy, okay. We'll do that on the post show, let me get the hammer financial score and then we'll go into the post show, click that join button. Hammer financial score, spending in a budget, zero out of ten, overspent, debt. I mean, it's impossible, it's a zero out of ten, there's not even collections or IRS and it's a zero out of ten. Like, that's insane, emergency fund, there is nothing zero out of ten in retirement, there's nothing zero out of ten in real estate, it's a break even house.

• 2:16:23Caleb Hammer?

  Three bed, two bath, 1300 square feet. I'd rather it be 15 for resale, but three bed, two bath is least helping. Okay, with the break even, not our perfect spot. Interesting. Well, you got double debt on it. Five out of 10 because at least you're in the market. So Hammer Financial Score for the household, one out of 10. Guys, join Hammer Elite. Click that join button. We got three premium shows we post every single day, Monday through Friday, including an extra 20 minutes of this episode in the Financial Auto Post Show. I will see you there right now where we are gonna expose Pixie for something Levi doesn't even know. Get ready. Someone from the Club is still sending her a lot of money through Cash App.

• 2:16:56Speaker 04

  I text him every other day.

• 2:16:58Caleb Hammer?

  Oh, every other day?

• 2:16:59Speaker 03

  Oh, that's my favorite one. God, I love you. I know you're getting married and having a baby, but I will always love you, boo. I just wanted you to know.

• 2:17:07Caleb Hammer?

  You were doing this behind his back.

• 2:17:09Speaker 03

  One of them. I've actually never seen this photo.

• 2:17:11Caleb Hammer?

  I want you to answer truthfully. Have you ever done anything with him? Exclusive members content. Click the link in the description or pinned comment below and watch thousands of hours of extra and uncensored content.

• 2:17:25Speaker 00

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