I Exposed Her Cheating On Financial Audit

💰 *ENDING NEXT WEEK* Download Dollarwise- 6.0 Is Now *LIVE* - Big Deals, New Features, Free Trial: https://bit.ly/46fiDYP *BEST POST SHOW IN FINANCIAL AUDIT HISTORY* - I called the current boyfriend that she is (allegedly) cheating on, and the conversation goes off the rails- watch here: ➡️ https://bit.ly/chpostshow ============================= 🔥 Un-F*ck your finances in 2-minutes → https://bit.ly/3JCuwPS ============================= 👉 Checking & Savings: Get up to a $350 bonus with a new Chime® Checking account, and earn up to 3.50% APY on your savings: https://secure.moneymatchup.com/350-bonus 🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb ============================= Master Your Money with Caleb Hammer ============================= ⚡️Budget YOUR dream life with my simple courses: ➡️ https://bit.ly/calebhammer ⚡️Check out all of my custom Financial Audit merch: ➡️ https://bit.ly/caleb-merch ============================= *Check Out My Resources* ============================= 👉 Get a $40,000 cash bonus by investing with Webull! https://www.webull.com/k/Caleb 👉 Checking & Savings: Get up to a $350 bonus with a new Chime® Checking account, and earn up to 3.50% APY on your savings: https://secure.moneymatchup.com/350-bonus 👉 Land a high-paying job with no experience or degree: ➡️ https://coursecareers.com/CalebHammer 👉 Get $20 from Acorns for free: ➡️ https://acorns.com/caleb 👉 First 100,000 Mine (formerly Fizz) sign-ups with code HAMMER10 get $10: https://www.usemine.com/caleb 👉 Helium Mobile: Use promo code CALEB for a FREE plan ➡️ https://hellohelium.com/ 👉 Protect your online privacy and security for free with Aura: ➡️ https://aura.com/hammer 👉 Get an exclusive HighLevel 30-day trial: https://gohighlevel.com/calebhammer ============================= *Chapters* ============================= 00:00 Intro 01:25 Jobs & Income 05:00 He's Kinda Pathetic NGL 07:24 THEY'RE NOT EVEN TOGETHER??? 09:38 Okay This Is Just Weird, She Has A Boyfriend.. 16:00 There's Too Much Going On lol 27:00 A Master WHAT Dynamic? 32:50 He Looks Like A Foot Guy 35:30 Caleb Was Not Ready For Any Of This lol 47:34 These Are GROWN ADULTS 55:00 Why Not Live With Your BOYFRIEND 59:40 Alcohol Bad, Don't Drink, Kids 01:03:50 Aww He Needed A Potty Break 01:14:00 So He DOES Have Credit lol 01:16:35 OF TOO LOOOL 01:23:00 The Word Choice Is Wild 01:30:27 Budget!! ============================= Want more content? ============================= 🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips ============================= *Connect with me!* ============================= TikTok: https://www.tiktok.com/@calebhammercomposer X: https://x.com/sircalebhammer IG: https://www.instagram.com/calebhammercomposer/ Facebook: https://www.facebook.com/calebhammercomposer/ ============================= *Want to be a guest on Financial Audit?* ============================= 👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply *Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. Sponsorship and business inquiries: [email protected] Learn more about your ad choices. Visit megaphone.fm/adchoices

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

• 0:01Speaker 00

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• 0:27Speaker 01

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• 0:36Speaker 01

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• 0:56Caleb Hammer?

  To watch episodes of Financial Audit a week earlier, check us out on YouTube. How long have you guys been together?

• 1:00Speaker 03

  We broke up about four years ago.

• 1:03Caleb Hammer?

  Are you dating someone yet?

• 1:04Speaker 03

  Yes, three and a half years.

• 1:06Caleb Hammer?

  What does that guy think about you being here with your ex that you can't stop giving money to?

• 1:10Speaker 04

  I don't think he knows.

• 1:11Speaker 03

  I did not tell him that we were coming here.

• 1:14Speaker 04

  You threatened to call the cops on me if I put my hands on you.

• 1:16Speaker 03

  Not the first time I had to call the cops.

• 1:18Speaker 04

  Better be thankful for that.

• 1:19Caleb Hammer?

  Oh, fuck, okay. So you guys slept in separate rooms?

• 1:23Speaker 03

  Yes.

• 1:23Speaker 04

  Yes. We slept in separate rooms. We certainly did not sleep together.

• 1:28Speaker 03

  And I got the receipts, okay?

• 1:29Caleb Hammer?

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• 2:07Speaker 03

  Hi, my name is Lily. I'm 29.

• 2:09Speaker 04

  I'm Bernard. I'm 34. And we are from southeast Texas.

• 2:12Speaker 03

  And this is Financial Audit.

• 2:15Caleb Hammer?

  Guys, thanks for coming over to Austin. I really do appreciate it. Lilly, you're right in front of me. Let's start with you. What do you do for a living?

• 2:22Speaker 03

  Oh, I am a sales rep for a very popular chip company.

• 2:26Caleb Hammer?

  Chip?

• 2:26Speaker 03

  Yes.

• 2:28Caleb Hammer?

  Okay, so you go around to the grocery stores?

• 2:32Speaker 03

  Yes, I'm in the big grocery stores. I'm not in the trucks. The big grocery stores like HEB's, Kroger's, all them.

• 2:38Caleb Hammer?

  Not in the...

• 2:39Speaker 03

  In the trucks. We do both sides.

• 2:41Caleb Hammer?

  Trucks?

• 2:41Speaker 03

  Yeah, I go to like convenience stores.

• 2:43Caleb Hammer?

  Okay, what do you make? What's your monthly pay?

• 2:46Speaker 03

  So, I'm salaried at 70, but I do a lot of overtime.

• 2:50Caleb Hammer?

  Salary?

• 2:50Speaker 03

  So, after taxes...

• 2:51Caleb Hammer?

  Well, how do you get salary and then over... Okay. Okay, well, no, never mind. That's just a little less common, but go ahead.

• 2:58Speaker 03

  After taxes, I make about 78,000. That's what hits.

• 3:01Caleb Hammer?

  Good. What hits your account on a monthly basis? That's great income, especially for... I mean, you guys are like an hour outside of Houston, so the cost of living dramatically goes down.

• 3:09Speaker 03

  Right.

• 3:13Speaker 03

  I'm sorry, what was the question again? What'd you say?

• 3:16Caleb Hammer?

  What hits your account net on a monthly basis?

• 3:17Speaker 03

  Oh, I think I did the math and it was like 6,500.

• 3:21Caleb Hammer?

  Well, I'd hope you'd do the math. How the f*** else would you budget? Okay, 6,500. What do you do, Bernard?

• 3:26Speaker 04

  I am currently unemployed.

• 3:28Caleb Hammer?

  Well, that 6,500 has to stretch everywhere. Why are you unemployed?

• 3:32Speaker 04

  I cannot seem to procure employment in my area.

• 3:36Caleb Hammer?

  Cannot?

• 3:37Speaker 04

  I cannot seem. I try.

• 3:39Caleb Hammer?

  Well, too, I mean, I have a note here from Lilly. I financially support a grown man who just can't get a f***ing job since July.

• 3:46Speaker 04

  She... That was her words.

• 3:48Caleb Hammer?

  Nah, I threw that in.

• 3:50Speaker 04

  You threw that one in for space.

• 3:51Caleb Hammer?

  Yeah. Also, I financially support a man who keeps getting fired from every job he's ever had.

• 3:56Speaker 04

  That's pretty...

• 3:57Caleb Hammer?

  So, kind of like a child.

• 3:58Speaker 04

  I quit sometimes, too. That happens.

• 4:00Caleb Hammer?

  So, even more of a child. Okay. So, what? What is your industry that you can't procure a position in?

• 4:06Speaker 04

  Uh, well, I've, I've worked predominantly in construction in the restaurant industry.

• 4:12Caleb Hammer?

  Why can't you procure construction? Because that happens everywhere, especially in states that build like Texas.

• 4:19Speaker 04

  It's very nepotistic. I don't know anybody.

• 4:21Caleb Hammer?

  Very nepotistic construction known for nepotism? Pretty sure it's known for like illegal immigrants, if anything.

• 4:28Speaker 04

  Well, I'm also not, I'm also not.

• 4:31Caleb Hammer?

  Yeah, but also not really, but I mean, kind of, I mean, here and there, but construction's booming. I know it's certainly slowed down over the past year.

• 4:37Speaker 04

  The old guys that are in the trades, they don't want to hire young guys because it's threatening them.

• 4:40Caleb Hammer?

  So why are other people getting jobs and not you specifically? And also you're 31, you're 31, you're not 21.

• 4:46Speaker 04

  There's only so much to go around in a small town.

• 4:48Caleb Hammer?

  Okay. And you're the only, okay, it's not, it's not that small town.

• 4:51Speaker 04

  It's, it's a lot smaller than here.

• 4:54Caleb Hammer?

  Yes.

• 4:55Speaker 04

  Or Houston.

• 4:56Caleb Hammer?

  Well, yes, Houston, the largest city in the US, LA, the second largest city in the US. Houston's about to be number three. Austin, the 11th in the US. Yes, I don't think we're comparing it to the top dogs. It's from a town like I am from. Well, isn't that town like a quarter million metro probably?

• 5:10Speaker 03

  About 183 last time I checked.

• 5:12Caleb Hammer?

  Metro or city?

• 5:13Speaker 03

  City.

• 5:13Caleb Hammer?

  Okay. So probably about a quarter million metro. That's about the same town.

• 5:16Speaker 04

  It's also disrepair. It's falling into entropy fast.

• 5:20Caleb Hammer?

  Perfect. So it needs construction.

• 5:21Speaker 04

  Construction jobs.

• 5:22Caleb Hammer?

  Listen, but that is like from the town that I'm from, and there were jobs everywhere from construction in Michigan. Doesn't even build like Texas. So I think this is a you problem, especially if it's since July. Listen, I would, I would say I'd get it if it was a couple of months and you're struggling. Since July, what the fuck you doing?

• 5:38Speaker 04

  I certainly do think that I bear a certain amount of responsibility for that.

• 5:40Caleb Hammer?

  I would hope so.

• 5:42Speaker 04

  There's, there's also the issue that even if I found a job, it's not going to like, take me out of the position that I'm in. Especially like a retail job. Uh, yeah, pretty much.

• 5:53Caleb Hammer?

  I don't know enough yet.

• 5:54Speaker 04

  What, what's the threshold to not be a loser? 50K a year?

• 5:57Caleb Hammer?

  How about you just get a job?

• 6:00Speaker 04

  I'd love to.

• 6:01Caleb Hammer?

  You'd love to? What is he doing to get a job?

• 6:03Speaker 03

  Um, well, I'm putting in his applications right now, so not very much. And

• 6:09Caleb Hammer?

  You rely on her, the woman who's working overtime to pay the bills for you.

• 6:16Speaker 04

  To, to do the

• 6:18Caleb Hammer?

  To even get an interview, even at a minimum?

• 6:21Speaker 04

  Well, if I

• 6:22Caleb Hammer?

  What is wrong with you?

• 6:23Speaker 04

  If I do the, you know how they have the assessments? Well, maybe not just you have a job, but when you apply for a job, they make you do these assessments on the computer.

• 6:29Caleb Hammer?

  Yes, I've applied for jobs before.

• 6:31Speaker 04

  If I do them, I always get rejected.

• 6:34Caleb Hammer?

  Did you graduate high school?

• 6:36Speaker 04

  Yes, I did.

• 6:37Caleb Hammer?

  Did you go to college?

• 6:38Speaker 04

  I did a close to half semester college.

• 6:41Caleb Hammer?

  Okay, you dropped out. That's okay. I did too.

• 6:43Speaker 04

  I didn't have the money for it. Actually, my grandfather told me he'd pay for it. When it came time to pay for it, he refused. He left me with the bag and I couldn't afford it. So I left.

• 6:51Caleb Hammer?

  Okay, well, I'm having a hard time having sympathy when she's the one putting in job applications for you.

• 6:56Speaker 04

  Well, this is, this is a long time ago.

• 6:57Caleb Hammer?

  Long time ago. Exactly. You're 34. You ain't the young one anymore. What do you mean? They're, they're, they're not letting the young ones get in. You're, dude, you're like almost towards the middle of your career. Your middle of your career comes in a few years. Like, what?

• 7:09Speaker 04

  I, I

• 7:09Caleb Hammer?

  What are you talking about?

• 7:10Speaker 04

  I applied at every electrical place I could find in, in the Golden Triangle and all of them said they were full of them.

• 7:14Caleb Hammer?

  Why are you keep, okay, they were, they were seeing this before filming. I know there's the Texas Triangle.

• 7:20Speaker 04

  It's called the Golden Triangle.

• 7:21Caleb Hammer?

  San Antonio, Austin, to Dallas, to Houston, to back. And apparently they're in south, east Texas. I still don't really understand that. Because it's literally, you take Austin, central Texas, you go east, that's where they are. All of a sudden that becomes south? Even though we're central? Doesn't really make sense. South is like, south, Audrey. Now that's also center. I wouldn't say that's southeast, but that is south. It's not, there's no, southeast, if you go down from there, it's just the Gulf.

• 7:46Speaker 04

  I would've came up with a different, I would've called it, I would've called it the butthole of Texas. Okay? If it was up to me.

• 7:51Caleb Hammer?

  Yeah, that's great. But all I know for a fact right now is your procurement of jobs is actually her just buying weed for you while you watch TV and play video games all day.

• 8:02Speaker 04

  Essentially.

• 8:03Caleb Hammer?

  Why are you with this pathetic excuse of a man? He's a child. He's a joke. He's a beta. He's a bitch. What the, why are you, how long have you guys been together?

• 8:15Speaker 03

  Uh, we were together for four years.

• 8:17Caleb Hammer?

  Were?

• 8:17Speaker 03

  Oh, no. We were, we were together for almost three years, actually. Oh, no. Yeah. We broke up about four years ago.

• 8:25Caleb Hammer?

  Are you guys together?

• 8:26Speaker 03

  No, we're not together, of course.

• 8:28Caleb Hammer?

  Why the fuck are you here? What are we talking about?

• 8:30Speaker 03

  Well, I mean.

• 8:31Caleb Hammer?

  What is going on? Why do I have a?

• 8:32Speaker 04

  Financially entangled.

• 8:35Speaker 04

  We're financially entangled.

• 8:36Caleb Hammer?

  Oh shit, okay. Wow, that's a first in this show. No, that's actually, that's actually interesting because that is a situation that many end up in.

• 8:45Speaker 03

  Unfortunately.

• 8:45Caleb Hammer?

  Okay, good. Wait, why are you funding his weed and while he just plays video games? Do you guys live together?

• 8:50Speaker 03

  Uh, no, we don't live together. I live with my parents.

• 8:52Caleb Hammer?

  What the fuck is happening? What? Who, who, who? What do you, who do you live with?

• 8:56Speaker 04

  I rent a shack from my buddy. Uh, he's got like a tool shack in the yard.

• 9:02Caleb Hammer?

  Oh my dear, such a.

• 9:04Speaker 04

  And I, uh, I rent.

• 9:06Caleb Hammer?

  Well, I'm glad you escaped this because what the? I don't understand why you're still funding his weed and gaming.

• 9:14Speaker 03

  Well, I mean.

• 9:15Caleb Hammer?

  Oh, you pay his rent too? Oh my, what is happening? I'll be honest, I'm actually kind of excited because it's rare that we get a completely different kind of landscape of a conversation and financial audit, honestly, these days. Because so many financial conversations you can have. And I was actually a little disappointed for a second. I was like, uh, do I need to yell at casting? Why do I have a couple that isn't together? But no, you guys being a broken up couple, but still financially entangled? This is curious and this, this happens to couples every single year. I don't know as much about four years later, I would suggest, I mean, you're a loser and also you have no balls.

• 9:48Speaker 04

  I would like to add that this hasn't been the thing for four years. She hasn't been supporting me since we broke up. This is more of a recent thing since I lost my job.

• 9:57Caleb Hammer?

  Bro, he's gone and he lost his job in July. What the are you gonna do? Are you just gonna support a child for the rest of your life?

• 10:03Speaker 03

  No, I'm just, I'm, the, the end goal is to help him get on his feet, but I mean, we.

• 10:07Caleb Hammer?

  How are you helping him by taking care of all his bills while he just smokes weed and plays video games all day? In what way does that actually get someone on their feet?

• 10:13Speaker 03

  I must agree, I am an enabler, but I mean.

• 10:16Caleb Hammer?

  Yes, you're an enabler.

• 10:17Speaker 03

  He, he's trying. He absolutely tries. I mean, he goes to interviews. I mean.

• 10:23Caleb Hammer?

  After you put in applications, how much effort do you think he's putting in these interviews if he can't even put in applications? Come on, be honest.

• 10:30Speaker 03

  I, I, I do.

• 10:30Caleb Hammer?

  Are you dating someone yet?

• 10:33Speaker 03

  Yes.

• 10:33Caleb Hammer?

  What does that guy think about you being here with your ex that you can't stop giving money to? What the?

• 10:39Speaker 04

  I don't think he knows the full extent of it.

• 10:42Caleb Hammer?

  What? Really? How long have you been with this guy?

• 10:44Speaker 03

  Three and a half years.

• 10:49Caleb Hammer?

  Oh, okay. What the? Okay, so you don't think he knows the full extent? You tell me what the is going on? What the is going on? Dude's getting cucked in 4K financially. What the? How does he feel?

• 11:05Speaker 03

  I mean, he trusts me, obviously. He's, he's very self-confident and he's very sure of himself. So, I mean, he knows that I love him and I'm not gonna cheat on him. So, yeah, he's not happy about the situation. I don't think any man would be. I don't think it's a relationship ender, but he's definitely not happy and I would like to be out of the situation.

• 11:23Caleb Hammer?

  Three and a half years, you guys are progressing to a more mature relationship, maybe even next steps, right?

• 11:28Speaker 03

  Yes.

• 11:28Caleb Hammer?

  And he wants fucking F-tier curly-haired man loser to just follow you around the rest of your life, including him? Following him around?

• 11:39Speaker 03

  No, no, no way. I don't want, I don't want this to be the rest of our life, that's for sure. I definitely want some separation and maybe that's the whole reason I'm coming on here, you know?

• 11:48Caleb Hammer?

  Do you guys have feelings for each other?

• 11:50Speaker 03

  No, I love him very much, but not in love.

• 11:56Caleb Hammer?

  What the? This new guy? What extent does he know?

• 12:01Speaker 03

  I mean, he knows pretty much everything.

• 12:03Caleb Hammer?

  Really? He just said not much.

• 12:05Speaker 03

  I mean, he knows, but he does not the financial parts, I guess.

• 12:08Caleb Hammer?

  He might know. That's the conversation.

• 12:12Speaker 03

  We're intertwined.

• 12:13Caleb Hammer?

  So, pretty much everything except for anything.

• 12:15Speaker 03

  Yeah.

• 12:16Caleb Hammer?

  You guys stayed in Austin last night, right?

• 12:18Speaker 03

  Yeah.

• 12:19Caleb Hammer?

  Guys stay together?

• 12:20Speaker 03

  I got two different hotel rooms, obviously. I'm not like that. Come on, Caleb, come on.

• 12:24Caleb Hammer?

  I'm, I'm asking, I'm just asking. So, you guys slept in separate rooms?

• 12:27Speaker 03

  Yes.

• 12:27Caleb Hammer?

  Yes.

• 12:31Speaker 01

  Born from the intensity of a night in the Eternal City. Introducing Born in Roma Fragrances by Valentino. Feminine perfume Donna Born in Roma features juicy black currant, central jasmine, soft cashmerin and warm vanilla. Masculine leaning but unisex Womo has notes of fresh violet leaf, aromatic sage, green vetiver and mineral salt. Shop holiday gifts at Macy's.com.

• 13:00Speaker 04

  You slept in separate rooms? We certainly did not sleep together.

• 13:04Speaker 03

  Don't even, don't even, like this, yes.

• 13:07Caleb Hammer?

  I'm just asking rooms.

• 13:07Speaker 03

  I got the receipts, man. I got the receipts, okay?

• 13:10Caleb Hammer?

  Why is he giving that face?

• 13:12Speaker 04

  We, we did not sleep together.

• 13:14Speaker 05

  I want you to listen to me. I'm gonna say this again. I did not have sexual relations with that woman.

• 13:21Caleb Hammer?

  I'm not asking that. I'm asking if you slept in the same room?

• 13:24Speaker 04

  We got, we got two rooms, one for her, one for me. I slept in my room and she slept in hers.

• 13:30Speaker 03

  Uh, we've been, we've been doing this, this walk a long time. We know our boundaries.

• 13:36Speaker 04

  Um, and then she went to her room.

• 13:38Caleb Hammer?

  Ah.

• 13:41Caleb Hammer?

  Okay.

• 13:44Caleb Hammer?

  Okay. Should we call this guy at some point? This is crazy. I feel like we should. Um, what the?

• 13:55Caleb Hammer?

  Okay, um.

• 13:59Caleb Hammer?

  Okay, you're a loser, but also this is your weird dude.

• 14:03Speaker 03

  Yeah, it's a really weird dynamic.

• 14:04Caleb Hammer?

  Oh, that you are doing and staying up and sleep, uh, uh, watching Futurama together.

• 14:10Speaker 03

  It was Family Guy, but yeah.

• 14:12Speaker 04

  You're only well enough to call me a loser, Mr. Hammer.

• 14:17Caleb Hammer?

  And what would be the opposite of that?

• 14:20Speaker 04

  Of a loser? Well, I asked you earlier, what's the threshold to not be a loser? Is it 50K a year?

• 14:24Caleb Hammer?

  On a boy, smoking weed all day. She's applying for jobs for you. She is, uh, you fail every interview, every assessment, all the basic shit. I don't need you to be an electrician. Do you have a certification? Have you gone to trade school?

• 14:35Speaker 04

  I had a certification, but it expired.

• 14:37Caleb Hammer?

  Well, there you go. How about you renew that? What the is wrong with you? Listen, I'll get you.

• 14:40Speaker 04

  I couldn't find a job, so I, I didn't have the money to put to renewing it.

• 14:44Caleb Hammer?

  Okay, well, fund that instead of funding this weed, moron. What is wrong with you?

• 14:49Speaker 03

  Yeah, I definitely need to prioritize. I've been letting him kind of run wild and now it's time to get the reins on it.

• 14:58Speaker 04

  I disagree with the framing of that.

• 15:00Speaker 03

  Really?

• 15:00Speaker 04

  I wouldn't call it running wild.

• 15:03Speaker 03

  Really?

• 15:03Caleb Hammer?

  Oh, my guys, the story, it just says, okay, I didn't, I had no idea what I was walking to. She makes him lunch every day and drops it off for him.

• 15:12Speaker 03

  Yeah, I, I start work at 3:30.

• 15:14Speaker 04

  We did that so that we wouldn't be going out to eat lunch every day.

• 15:17Caleb Hammer?

  We, we, who the fuck is we? She has a boyfriend for three and a half years. Who is, we're going out to lunch every day. What are you talking about where?

• 15:27Speaker 04

  Well, when, before, when she wasn't dropping a lunch off, she'd get off of work and I'd be hungry and we'd go get something to eat, like a McDonald's or something.

• 15:34Caleb Hammer?

  And then it was me, by the way, who had this idea to actually buy actual food so that we didn't have to do that shit. That's not the point of what I reacted to.

• 15:48Speaker 04

  Come, come back to us.

• 15:48Speaker 03

  He likes McDonald's.

• 15:50Speaker 04

  Come, come back to us.

• 15:53Caleb Hammer?

  Bro, you not understand? What the fuck? You make him lunch every day?

• 15:59Speaker 03

  Almost every day if I don't wake up late. I don't want to be late for work.

• 16:03Caleb Hammer?

  So you leave, do you live with your boyfriend?

• 16:05Speaker 03

  No.

• 16:06Caleb Hammer?

  Three and a half years and you don't live with your boyfriend and then you leave your parents' house and you drop off food to your ex?

• 16:11Speaker 03

  Yeah.

• 16:11Caleb Hammer?

  So you don't live with your boyfriend?

• 16:12Speaker 03

  Right.

• 16:13Caleb Hammer?

  Of two and a half years?

• 16:14Speaker 03

  Three and a half.

• 16:15Caleb Hammer?

  Of three and a half years. But you leave your house every day to see him first thing?

• 16:20Speaker 03

  My boyfriend's very self-sufficient. I don't need to do that for him.

• 16:24Caleb Hammer?

  That's not what I'm asking. That's not what I'm saying. You have a boyfriend of three and a half years and every day, the first thing you do in the morning is see him.

• 16:34Speaker 03

  Oh, yeah. I know that for sure. It doesn't escape my mind.

• 16:39Caleb Hammer?

  Well, you're the one doing it.

• 16:41Speaker 04

  I was here first.

• 16:42Caleb Hammer?

  Are you trying to win your way back?

• 16:44Speaker 03

  Don't even.

• 16:45Caleb Hammer?

  Are you trying, who broke up with who here?

• 16:47Speaker 03

  I broke up with him.

• 16:48Speaker 04

  Well, no, that's not true. Initially, I broke up with you.

• 16:51Speaker 03

  Oh, okay.

• 16:52Caleb Hammer?

  And how's the win back campaign gone?

• 16:55Speaker 04

  There is no win back campaign.

• 17:03Caleb Hammer?

  Okay, so, and then the financial entanglement. You say that's what the current boyfriend doesn't know?

• 17:10Speaker 03

  Correct.

• 17:10Caleb Hammer?

  So you're saying he knows about the lunch? Every day?

• 17:15Speaker 03

  Uh, yeah, I think, yeah, he knows I make him lunches every day.

• 17:18Speaker 04

  This is a load of barnacles.

• 17:23Caleb Hammer?

  Okay, and did he know about the late night, uh, Family Guy, Futurama, Extravaganza?

• 17:30Speaker 03

  I did not tell him that we were coming here.

• 17:36Speaker 04

  He won't watch it.

• 17:38Caleb Hammer?

  Are you actually kidding me?

• 17:41Speaker 03

  I didn't, I didn't want him to talk me out of it.

• 17:43Caleb Hammer?

  Do you know what's happening right now? This is the most insane thing I've ever heard in my fucking life!

• 17:49Speaker 04

  We didn't tell anybody who was coming.

• 17:50Speaker 03

  I didn't tell my family either.

• 17:51Caleb Hammer?

  You don't have to tell them.

• 17:52Speaker 04

  I think she told one person.

• 17:53Caleb Hammer?

  But your boyfriend? That you're going with your ex, that you drove all... Is there any... Is there...

• 18:02Caleb Hammer?

  Oh, we have to call this man.

• 18:03Speaker 03

  No.

• 18:04Caleb Hammer?

  I don't know if it's gonna be in the main show or the post-show, but no, no, no, it's not an option. We're fucking calling this man. You bought a solar panel for him too? I'm so confused. What the fuck is this? You bought a solar panel for him?

• 18:13Speaker 04

  Not like a big one for a house.

• 18:16Caleb Hammer?

  What do you mean? What the fuck are we talking about?

• 18:17Speaker 04

  It's like that big. It's enough to charge a little battery pack that I can charge my phone on, basically.

• 18:22Caleb Hammer?

  What? Wait, if you can't charge your phone, how are you playing video games all day?

• 18:25Speaker 04

  Well, I haven't handheld, um...

• 18:28Speaker 03

  I bought my handheld for Christmas.

• 18:29Caleb Hammer?

  You bought my handheld for this previous Christmas?

• 18:32Speaker 03

  Yeah.

• 18:33Caleb Hammer?

  A couple of months ago.

• 18:34Speaker 03

  Well, he had a Switch, but it wasn't working. Like, he wanted more.

• 18:38Caleb Hammer?

  A Steam Deck?

• 18:39Speaker 04

  Here's the thing. No, it's an Ambernic. It's an Android thing. And I... So on the Switch, I have to buy video games, so that's more money. But on the Ambernic, I can just play the games I already own. So I actually haven't spent any money on video games since Christmas.

• 18:53Speaker 03

  Yeah, because I, I, well, that's completely true.

• 18:57Caleb Hammer?

  Yes, it is.

• 18:57Speaker 03

  I, I'm pretty sure you went to Game Exchange a couple of times.

• 19:01Caleb Hammer?

  Do you not feel bad about this? Not, not even the fact that she's thinking here, the fact that she has a boyfriend, that's the egregious part here in my mind.

• 19:08Speaker 03

  Oh, he doesn't care. He, he gives no shit.

• 19:10Caleb Hammer?

  What do you think about her boyfriend?

• 19:12Speaker 04

  Uh, I'd put him in a body bag.

• 19:16Speaker 04

  Ah.

• 19:19Caleb Hammer?

  So not the biggest fan?

• 19:20Speaker 03

  They've never met.

• 19:21Speaker 04

  Certainly can be.

• 19:22Caleb Hammer?

  He's never met the guy that is you're spending all your time with?

• 19:25Speaker 03

  No, no, he hasn't.

• 19:27Caleb Hammer?

  No, my. Colton, this is insane.

• 19:31Speaker 04

  Where do you find these people, Colton?

• 19:33Speaker 03

  Oh geez, not in real life, no way.

• 19:36Caleb Hammer?

  What the? So he's seen this?

• 19:39Speaker 03

  I don't think he's ever watched it, but I'm not gonna tell him.

• 19:43Caleb Hammer?

  There's a halfway decent chance a short or a clip will pop up.

• 19:46Speaker 04

  As much as he likes finances, you'd think, you'd think he'd come across this show eventually.

• 19:51Speaker 03

  Yeah, he's very good with finances.

• 19:52Caleb Hammer?

  Okay, fine, what has he told you about Mr. Bernard being around all the time? What has he expressed? What has he shown you? What are the conversations that have happened?

• 19:59Speaker 03

  Well, he gets pissed every time I tell him I'm doing, uh, like, like, like, he's not happy about the lunches or anything like that, but he's still, he doesn't really have enough.

• 20:08Caleb Hammer?

  How about the existence of Bernard and the fact that you see him all the time and buy him all this stuff?

• 20:13Speaker 03

  Uh, he doesn't like it, but he understands.

• 20:16Caleb Hammer?

  Understands what? Understands how? What is, what, what is his understanding? What is this he understands?

• 20:21Speaker 03

  Well.

• 20:21Caleb Hammer?

  This is insane.

• 20:22Speaker 03

  I mean, we broke up a long time ago and there was a reason for that breakup, so.

• 20:26Caleb Hammer?

  Yes.

• 20:27Speaker 03

  I, I, I'm pretty sure he knows it, it ain't gonna happen again. But, I mean, his living situation right now is not very good and I'm actually more focused on that and getting that fixed than focusing on my relationship right now, which is really bad to say, but it is the truth.

• 20:41Caleb Hammer?

  Okay, my friends.

• 20:44Caleb Hammer?

  I respect the rules, I will not break the rules. May I tell the audience what the rule is?

• 20:49Speaker 03

  Sure.

• 20:50Caleb Hammer?

  Because they will be confused. I need a shirt from you as well.

• 20:53Speaker 04

  Okay.

• 20:54Caleb Hammer?

  Okay, cuz I can't do it, cuz they will be confused why I haven't asked it.

• 20:57Speaker 03

  Okay.

• 20:58Caleb Hammer?

  I cannot, and now I understand why, ask questions about sex between them. So that is the last time that'll be mentioned and we will not go deep between, deep into that.

• 21:13Caleb Hammer?

  There's also another, other rule about comparing their dick sizes. I said, I didn't understand that one and now I do. But I appreciate you allowing us to tell the audience what the rule is.

• 21:23Speaker 03

  It's okay. Yeah.

• 21:24Caleb Hammer?

  And now we will not go into those subjects as you have requested.

• 21:29Caleb Hammer?

  Does Bernard ever go over to your house that you live in with your parents?

• 21:32Speaker 03

  Yes, he's allowed over once a week.

• 21:34Caleb Hammer?

  What? What is that? I've never heard anything like this in my life. What the f*** even is that?

• 21:42Speaker 04

  I can only come once a week.

• 21:44Speaker 06

  Oh, I'm gonna come.

• 21:45Speaker 03

  He's allowed to come over to do his laundry and take a shower.

• 21:48Speaker 04

  Play Xbox.

• 21:49Speaker 03

  And play some Xbox.

• 21:54Speaker 03

  What's wrong with that?

• 21:55Caleb Hammer?

  Oh, shut the f*** up. Are you serious? What the f***? How do you feel about all this? But I kinda, I kinda...

• 22:03Speaker 04

  Personally, how I feel about it is I don't see why I can only come over once a week. I don't see why I can't just come over.

• 22:10Caleb Hammer?

  Yeah, who made that rule?

• 22:11Speaker 03

  My father.

• 22:11Caleb Hammer?

  And why?

• 22:12Speaker 03

  Because he doesn't like, he thinks he's a moocher.

• 22:15Caleb Hammer?

  Here's the thing, you know, it's actually kinda crazy. This is weird how this is working right now. I despised you at the beginning, thought you were a loser, and yeah, I mean, you probably are technically a loser, but I kinda like you.

• 22:26Speaker 03

  What?

• 22:27Caleb Hammer?

  I kinda like him. Dude's just kinda winning, right? He's just kinda winning. Like, good for you.

• 22:35Speaker 03

  Yeah, my dime, come on.

• 22:37Caleb Hammer?

  Yeah, but you're, you're, you're not stopping. Your dad's the one who had to implement rules because you couldn't.

• 22:44Speaker 03

  Fair.

• 22:44Caleb Hammer?

  This is crazy. This is actually crazy. We will call this, we will call this boyfriend and tell him, we have to, I'm sorry, this is not an option. You didn't say that was a rule before, so we're going, we're going. My gosh, okay. Um, so wait, where do your parents think you are right now?

• 23:03Speaker 03

  Um, they think I'm my boyfriend's.

• 23:07Caleb Hammer?

  Your parents think you're spending the night at your boyfriend's house right now?

• 23:10Speaker 03

  Yes, yes. The more they don't know, the better.

• 23:14Caleb Hammer?

  I think we should call the father as well.

• 23:15Speaker 03

  No!

• 23:17Caleb Hammer?

  Oh, yes. Oh, absolutely, yes. This is absolutely crazy.

• 23:28Caleb Hammer?

  So why, okay, because we will look into the financial entanglement. But what was the breakup that allegedly happened, but I guess hasn't really happened? Please tell me. You suck with money, so you download a budgeting app. You start with the classic one, YNAB, but everyone just deletes it because it's way too complicated to use. So you go to EveryDollar, that's Dave Ramsey, the personal finance guy, right? Well, they're gonna force you to use it his way. That's not very personal finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end? Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data.

• 24:13Caleb Hammer?

  That's why I like Dollar Wise. Built by these people just like you for people just like you. No private equity, no gimmicks, just the best budgeting app there is. Download it now, start the free trial, dollarwise.com, link in the description below. That's kind of stupid, I'll be honest, but what's not is actually getting a checking account that gives you free money. Free money, we like free money. You can get up to $350 in bonus cash right now when you sign up for the checking account that I use, Chime. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Audit and get free money at the same time. Who would have thought? That's incredible. Check it out, link in the description below.

• 24:56Caleb Hammer?

  Sign up for Chime, get that $350 right now in your checking account. Why'd you guys break up? Or explain the breakup.

• 25:04Speaker 04

  We started living together when we, we started living together early when we started dating. We only dated for like a month, I think.

• 25:10Speaker 03

  Yeah, and he got kicked out of his grandmother's.

• 25:12Speaker 04

  I got kicked out of my grandmother's house.

• 25:13Speaker 03

  And he moved in with me and my parents.

• 25:14Speaker 04

  I moved in with her and her parents.

• 25:16Caleb Hammer?

  Why'd you get kicked out of your grandmother's?

• 25:18Speaker 04

  Well, so Lily came over one night and my grandmother's asleep. I have people over sometimes and so Lily comes over one night. We didn't do anything, anything. We're just on the bed cuddling, fully clothed. And my grandmother, I see her poking her head in my room. And then she, she turns away and then the next day she comes at me and she says, "I think you would be more happy if you lived on your own," which was not possible for me at the time. I did have a job.

• 25:47Caleb Hammer?

  At the time.

• 25:48Speaker 03

  He didn't mention that I was all, I also wore short shorts and his grandmother is deeply religious. So, I mean, I don't think she really liked that.

• 25:55Caleb Hammer?

  Yeah, that's weird for her, but it is her house.

• 25:57Speaker 04

  As a nun, but so, um, we, I moved out and, uh, went to Lily and her parents' house. And the, the plan was, is I was gonna get an apartment, but, um, we, we spent a lot of time together and things were going really well. So, we just kinda, uh, we just kinda got comfortable in, in staying together like that.

• 26:18Speaker 03

  Yeah.

• 26:19Caleb Hammer?

  Is that when the money started getting entangled?

• 26:20Speaker 04

  Well, I had a job at the time.

• 26:23Speaker 03

  And I was in the school at the time and had a job and had an internship. So, like, my, my time was spread really thin. So, when we started, I was like in the relationship, but I was like half out of it as well. Like, he was living in my house.

• 26:37Caleb Hammer?

  It's okay to be independent and busy. That's not an inherently horrible thing.

• 26:40Speaker 03

  No, but I was.

• 26:41Caleb Hammer?

  It depends on the relationship.

• 26:42Speaker 04

  Moved in, uh, to this whole situation and it created a situation where like every night she would come home and she would spend time with her friend drinking. And I didn't really like the friend. I just, you know, would stay inside. And so this rift started to form. And after a while of that, um, I kinda started talking to somebody on, um, Messenger and, um.

• 27:05Speaker 03

  He was trying to break up with me and because of this person and I didn't wanna break up.

• 27:10Speaker 04

  Well, it wasn't necessarily because of the person, but.

• 27:13Speaker 03

  I mean, we're, I mean.

• 27:16Speaker 03

  It's to, to be able to save the relationship.

• 27:18Caleb Hammer?

  Cheating in this world.

• 27:19Speaker 03

  To be able to save the relationship, I, I got us an apartment, got us out of my parents' house and.

• 27:26Caleb Hammer?

  That's what will save that.

• 27:28Speaker 03

  I mean, obviously, all the problems were coming with all the people around us. Like, I was getting spread thin. Like, people, I mean, my parents wanted my attention.

• 27:33Caleb Hammer?

  Friend. You were boozing with your friend every night.

• 27:36Speaker 03

  Uh, that's also true, yes, but he also didn't wanna participate and, uh.

• 27:40Caleb Hammer?

  Yeah, maybe he didn't wanna booze with your friend. I wouldn't wanna booze with your friend.

• 27:43Speaker 03

  He didn't wanna hang out with my parents either. My parents were paying for most of that at that time anyway.

• 27:48Caleb Hammer?

  You gotta put in a little bit of the parental love.

• 27:50Speaker 03

  And he didn't put in a lot.

• 27:51Speaker 04

  At the time, I thought I, I did. Uh, I don't remember my relationship with her dad really going souring until, like, right after we moved out and then.

• 28:01Caleb Hammer?

  But why is all of a sudden, if we're living with someone, we're dating her, why is that? We messaged someone.

• 28:07Speaker 04

  Cause this this was forming. I felt like abandoned essentially.

• 28:11Caleb Hammer?

  Yeah, but you hadn't broken up yet or gotten permission though. Open relationship. So that is cheating. And I know here I have.

• 28:17Speaker 04

  I didn't know how to communicate things like that.

• 28:20Caleb Hammer?

  Okay, that's not communication though, because I have a message. I have a message that said your messages to this person was about a fetish dynamic you wanted to explore. That's not there's a rift. That's not I'm feeling abandoned. That's you messaging someone about a kink you wanted to explore. What was that? A master slave dynamic.

• 28:39Speaker 04

  Me and this other person both shared that that fetish and that was something that.

• 28:43Caleb Hammer?

  Who's the master?

• 28:45Speaker 00

  This episode is brought to you by Google Chrome. You think you know a browser, but Gemini and Chrome, that's new. It can help you with practically anything on the web, like restoring a vintage motorcycle from a 50 page restoration blog, or finally break down that long article you've had open for weeks. Gemini and Chrome is here for it. Ready to make anything online make sense? There's no place like Chrome. Check responses set up require compatibility and availability varies. 18 plus.

• 29:09Caleb Hammer?

  Who's the slave?

• 29:11Speaker 04

  I was the slave.

• 29:12Caleb Hammer?

  Ah, yeah.

• 29:14Speaker 04

  And and it was a dynamic that I didn't feel comfortable trying to share. Cause I didn't know with Lily, because I felt like she wouldn't understand the dynamic. And that it would have too many implications in the real world and not be able to just be compartmentalized.

• 29:30Caleb Hammer?

  Well, keep the kink inside, inside the house.

• 29:32Speaker 03

  Well, I even tried to like get into the kink with him and he just didn't want it. He wanted that separate. He wanted the girlfriend and then he wanted this sex stuff with someone else.

• 29:40Caleb Hammer?

  Could be fun if you guys are aligned on that.

• 29:42Speaker 03

  But we were not.

• 29:43Speaker 04

  I didn't know how to.

• 29:44Caleb Hammer?

  Yes, you're feeding them the against cheating, aren't you?

• 29:46Speaker 03

  I don't like it. I trust them until they give me a reason not to trust them.

• 29:50Caleb Hammer?

  Yeah, I know. Cause you're so against cheating. And then, okay, so you found out somehow, right?

• 29:56Speaker 03

  Yeah, I looked through his phone one night. Don't ever do it, guys. It's not worth it. I I looked through it. I saw it. It was under a different name and I was like, you mother. I just threw the phone. He was asleep and I slapped him across the head and it was not, it was not my brightest moment.

• 30:13Caleb Hammer?

  Wait, but then he broke up with you?

• 30:15Speaker 04

  Well, I had broken up first before we moved in the apartment.

• 30:19Speaker 03

  And then I was trying to save the really.

• 30:20Speaker 04

  To the apartment together and then she looked through my phone. This is, she actually looked through my phone a couple, a couple of times.

• 30:26Caleb Hammer?

  I agree. Never go through someone's phone. Uh, let me see your phone.

• 30:30Speaker 03

  Really?

• 30:31Caleb Hammer?

  Yes. You've seen the show? Absolutely. Of course. Also, someone smells like booze here. Who is drinking?

• 30:39Speaker 03

  Me, maybe. I, to calm down a little bit.

• 30:42Caleb Hammer?

  It is currently twenty-seven minutes into the episode and it's eleven fifty-three a.m. At the time of filming this.

• 30:49Speaker 03

  I'm off today.

• 30:50Caleb Hammer?

  Yes, it is.

• 30:51Speaker 03

  I'm not driving. I drove here. He's driving back.

• 30:53Caleb Hammer?

  Did you drink?

• 30:54Speaker 03

  Uh, ten.

• 30:57Caleb Hammer?

  Uh, he texted, "I'm awake this morning." She said, "Okay, I'm bringing you a waffle." To his place. And then I asked for milk. What do you mean by that? And then she said, "Come down to my room for a second."

• 31:09Speaker 03

  I was doing my makeup and hair in the room.

• 31:12Caleb Hammer?

  Uh-huh. So why'd you need him to come?

• 31:16Speaker 03

  So because he was getting all the stuff out of the other room and I had all my stuff in my room and he was, I would say, he was getting stuff down to the car.

• 31:25Speaker 04

  I was trying to be on time.

• 31:26Speaker 03

  Yeah, and we got here early and just the wrong, you know, building, you know?

• 31:30Caleb Hammer?

  Okay, Tuesday, she says, "So I'm finishing up work, but I slept like total shit last night and I'm exhausted and still sick. I really want to go home and take a nap. Did you want me to bring you food? I mean, I guess that's not crazy because we already know that you guys are, but I mean, that is crazy. Normally.

• 31:51Speaker 03

  It's just so normal to us. I don't really think of that as crazy.

• 31:53Caleb Hammer?

  It is not normal.

• 31:55Speaker 03

  Our whole dynamic's not normal.

• 31:58Caleb Hammer?

  Mom asked me to swing by Walmart for a few groceries. You wanna shop with me? Or just have me meet you after?

• 32:05Speaker 03

  I mean, he doesn't do anything all day. Let him come out. Come on. He can come to the Walmart.

• 32:10Speaker 04

  I did go shopping with her that day. Her mom was there.

• 32:13Caleb Hammer?

  You hit her up all the time and then you never really finish. You always like-

• 32:17Speaker 04

  I went shopping.

• 32:18Caleb Hammer?

  No, no, you hit her up all the time. Like, "What you doing?" She's like, "I don't know. I'm doing okay." And she's like, "What you doing?"

• 32:23Speaker 03

  Well, we continue the conversation when I go and talk to him.

• 32:28Caleb Hammer?

  Uh-huh.

• 32:28Speaker 04

  You're only supposed to text for a meetup. You know, just sit there all day texting.

• 32:32Caleb Hammer?

  Who's Pony Boy?

• 32:34Speaker 03

  Uh, Pony Boy's his friend. Oh, well, it's both our friends.

• 32:36Speaker 04

  Pony Boy's my ex drummer.

• 32:37Caleb Hammer?

  Hey, you're talking to him too.

• 32:39Speaker 03

  Yeah, I mean, they had a huge fight and I'm kind of the go-between with that.

• 32:43Caleb Hammer?

  Okay, I guess you had a big fight with him at some point.

• 32:46Speaker 04

  This was years ago, man. He was-

• 32:47Caleb Hammer?

  Oh, you're trying to take accountability now. Uh, what's Vidor?

• 32:53Speaker 04

  That's one of the, those cities in the golden triangle of southeast Texas. Of southeast Texas.

• 32:58Caleb Hammer?

  Definitely east, that is for sure. Headed back now, wanna meet me at my house in 12 minutes?

• 33:08Caleb Hammer?

  Okay.

• 33:09Speaker 04

  When you take it out of context, it might sound crazy.

• 33:11Caleb Hammer?

  Are you kidding me?

• 33:13Speaker 03

  He, he lives about seven minutes away from my house.

• 33:15Caleb Hammer?

  I'm not gonna go into the rule that you told me about.

• 33:20Caleb Hammer?

  I come scoop you up? Yes, I'm here. Dude, this is a lot of engagement for meeting all the time. All the time.

• 33:29Speaker 03

  Yeah, I, I see him every day. We hang out every day.

• 33:33Caleb Hammer?

  Do you guys communicate on any other platform?

• 33:36Speaker 03

  Uh, no, maybe I'll send him some memes on Facebook.

• 33:39Speaker 04

  Messenger.

• 33:40Caleb Hammer?

  No Snapchat, no Instagram?

• 33:41Speaker 03

  No, I don't do.

• 33:42Speaker 04

  I don't have Snapchat on, I'm an adult.

• 33:45Caleb Hammer?

  So sometimes on Messenger?

• 33:46Speaker 03

  Yeah, you can click Messenger, it's not a problem.

• 33:51Speaker 03

  He's trying, man, he's really trying to find someone.

• 33:53Caleb Hammer?

  No, I'm not even, dude, I already have, you guys are, you're meeting up all the time.

• 33:57Speaker 04

  He's an, he's an auditor and that's what he does.

• 33:59Speaker 03

  Yeah.

• 34:00Caleb Hammer?

  I mean, I'll be honest, in the end, are you, first of all, he's at the top of your text list and Messenger list. Like, he's just at the top, where, where's the other guy?

• 34:07Speaker 03

  I mean, I, I, he's there.

• 34:09Speaker 04

  He texts all the time.

• 34:11Caleb Hammer?

  Are you hoping he sees this and breaks up with her?

• 34:13Speaker 04

  No, I'm hoping he doesn't see that. I'm hoping nobody sees it at this point.

• 34:18Caleb Hammer?

  Why?

• 34:19Speaker 03

  Cause he's embarrassed.

• 34:22Speaker 04

  Oh, man.

• 34:24Caleb Hammer?

  So I know right before she broke up with you, you went out and just made up with a bartender.

• 34:29Speaker 04

  Yeah, I played a show with, with Pauline Boyer. And, um, there was a bartender and, um, we all went to IHOP, like everybody, all the band people and.

• 34:40Caleb Hammer?

  And your revenge for her breaking up with you was you buying feet pics from her old roommate?

• 34:46Speaker 04

  Oh yeah, well, that, that comes later, but that, that was, that was a thing.

• 34:52Caleb Hammer?

  Yeah, but I'm being told you weaponized these feet pics.

• 34:55Speaker 04

  Yeah, well, it was a means of revenge on both of them. It was revenge on Lily for having a boyfriend, and it was revenge on the friend for being a dick.

• 35:06Caleb Hammer?

  Uh huh. And I guess your revenge immediately was going and [BLEEP] a boy and a woman.

• 35:10Speaker 03

  Well, I was paying for the apartment. He sure as hell wasn't [BLEEP] me, so I mean, it's not my fault that he couldn't finish with the girls.

• 35:18Caleb Hammer?

  With the girls?

• 35:19Speaker 03

  Well, with the girls he cheated on me with. It's not my fault he couldn't score.

• 35:23Caleb Hammer?

  Huh? What does that mean? You mean he couldn't get with them?

• 35:25Speaker 03

  Yeah.

• 35:26Caleb Hammer?

  So the people he messaged.

• 35:27Speaker 04

  She's saying that she one-ups me because she could get laid and um...

• 35:32Speaker 03

  I mean, if you're gonna make out with a girl, you might as well just [BLEEP] because it's already downhill from there.

• 35:37Caleb Hammer?

  Guys, this is weird. So how intertwined are the finances still?

• 35:41Speaker 03

  Uh, very intertwined.

• 35:42Caleb Hammer?

  Why? Why after three and a half years? Why? Four years?

• 35:45Speaker 03

  Um, I think there is a lot of guilt from all that retaliation.

• 35:49Caleb Hammer?

  What's the guilt? What do you mean? Oh, from that retaliation?

• 35:52Speaker 03

  Yeah.

• 35:53Caleb Hammer?

  That's the guilt? That's what you feel guilty about right now? Hiding this from your boyfriend and parents and all this shit? And whatever the [BLEEP] family guy means?

• 36:01Speaker 03

  I like family guy.

• 36:01Caleb Hammer?

  That's the guilt? That's what the guilt is? Guilt from four years ago? So what's the intertwined? Tell me.

• 36:09Speaker 04

  Well, essentially, she has her finances and I have no finances. All my finances come from her.

• 36:15Caleb Hammer?

  Oh, completely. And the current boyfriend doesn't know that part?

• 36:21Speaker 03

  Um, I mean, considering his situation, I'm sure he can assume.

• 36:25Speaker 04

  Because we thought about it.

• 36:26Caleb Hammer?

  Is he a cuck? Is he a little pussy?

• 36:27Speaker 03

  No, he's very, he's very alpha male.

• 36:29Caleb Hammer?

  What? No!

• 36:30Speaker 04

  Yeah, he's so alpha male, goes around talking about how alpha male he is.

• 36:33Speaker 03

  Nah, I don't.

• 36:34Caleb Hammer?

  Okay, well, if he, who goes around saying that? He does or she does?

• 36:38Speaker 03

  I mean, you're the one who was a slave, not him.

• 36:41Speaker 04

  Yeah.

• 36:42Caleb Hammer?

  Yeah, but at least he's [BLEEP], like, he understands himself, he embraces it. Someone going around, "I'm an alpha male," sounds like the biggest pussy I know. And also, no offense, him getting cucked for three and a half years sounds like the biggest pussy I know.

• 36:54Speaker 03

  I mean, I mean, he could have moved me in a lot sooner and we wouldn't be in this mess.

• 36:58Caleb Hammer?

  At least he likes being slaved instead of cocked.

• 37:02Speaker 03

  I mean.

• 37:02Caleb Hammer?

  He looks like he likes a good whipping instead of you fucking a dude in front of him.

• 37:06Speaker 03

  I mean, it was behind closed doors, but I mean, yeah, still.

• 37:10Caleb Hammer?

  So I don't know about that.

• 37:11Speaker 04

  I'd like to say for the record that when she slept with that boy, I busted in the room and I told the dude, you're not sleeping here, you creep.

• 37:19Speaker 03

  And full disclosure, I paid you a hundred bucks to get out of the, of the apartment.

• 37:25Speaker 04

  That was the first time, not the second time.

• 37:27Speaker 03

  What do you mean the first time? That was the only time.

• 37:28Speaker 04

  There were two times.

• 37:29Speaker 03

  Bullshit.

• 37:30Speaker 04

  Yeah, it was.

• 37:30Speaker 03

  No, I don't believe that. But you're the one, you're the one who didn't leave.

• 37:34Speaker 04

  Y'all were watching Justice League, black and white, and I'm like, why is the aspect ratio all weird? Cause I was fucking with the guy, cause I didn't like him.

• 37:41Speaker 03

  Well, he was a loser anyways.

• 37:43Speaker 04

  And you threatened to call the cops on me if I put my hands on him.

• 37:46Speaker 03

  Yeah.

• 37:46Speaker 04

  So he better be thankful for that.

• 37:49Caleb Hammer?

  Better be thankful for that. That the first time you had to call the cops?

• 37:52Speaker 04

  She did not have to call the cops. She didn't have to call the cops anytime, so she did.

• 37:58Caleb Hammer?

  Huh? What was the first time?

• 38:00Speaker 03

  He gets angry.

• 38:02Caleb Hammer?

  In what way? What has happened?

• 38:05Speaker 03

  Well, I, I have left before and I was kind of vindictive and I did turn off the internet and stuff, so I might've, uh, I mean, he, he didn't take that too kindly. And I tried to leave with the weed and stuff too, and he didn't take too kindly to that, so I couldn't really get out the door.

• 38:23Caleb Hammer?

  He wouldn't let you leave?

• 38:24Speaker 04

  That's not true. That is not true.

• 38:26Speaker 03

  That, that is true.

• 38:27Speaker 04

  She was the one standing, I was not standing in between.

• 38:29Speaker 03

  I was standing at the door.

• 38:30Speaker 04

  She was at the door, I was not in between her and the door. She had the weed and bag. I tried to grab the bag. I was not trying to grab at her, I was not trying to touch her.

• 38:38Speaker 03

  And I fell.

• 38:38Speaker 04

  But we, we tumbled together, we fell together, actually. Both fell down. Um, and before any of this happened, she slapped me in the face.

• 38:46Speaker 03

  I slapped you in the face because you pulled at me.

• 38:47Speaker 04

  And when the cops came out and I told them, no, no, you slapped me first, then I reached for the weed. And when the cops came out, they asked me if I want to press charges and I said, no.

• 38:56Speaker 03

  Well, they asked me too and I said no.

• 38:57Speaker 04

  That life, you have no idea what it's like to deal with the legal system. I've had to deal with that shit. You do not want that.

• 39:05Speaker 03

  Um, that's fair.

• 39:07Caleb Hammer?

  What have you dealt with?

• 39:09Speaker 04

  I had, um, I've had probation two or three times.

• 39:12Caleb Hammer?

  Oh, for what?

• 39:13Speaker 04

  So the first time I had probation, I was underage and I hit a guy on the bus for.

• 39:19Speaker 00

  This episode is brought to you by Google Chrome. You think you know a browser, but Gemini and Chrome? That's new. It can help you with practically anything on the web. Like restoring a vintage motorcycle from a 50-page restoration block. Or finally break down that long article you've had open for weeks. Gemini and Chrome is here for it. Ready to make anything online make sense? There's no place like Chrome. Check responses set up required. Compatibility and availability varies 18 plus.

• 39:44Caleb Hammer?

  I didn't know that.

• 39:45Speaker 04

  Shooting a spitball at me.

• 39:49Caleb Hammer?

  Reasonable?

• 39:51Speaker 04

  When I was 19, I picked up a possession of marijuana charge and a minor in possession of alcohol charge. And I did probation for that. And I want to say, well, no, it wasn't probation, but I spent night in, I spent a night in jail one time for a trespassing ticket.

• 40:09Caleb Hammer?

  And are these on your record when people do background checks?

• 40:12Speaker 04

  They're all expunged.

• 40:13Caleb Hammer?

  Okay, and there was another one?

• 40:15Speaker 04

  That's, that should be it.

• 40:17Caleb Hammer?

  Okay.

• 40:18Speaker 04

  So two probation's and 32 hours in jail.

• 40:22Caleb Hammer?

  That's it.

• 40:25Caleb Hammer?

  We're not surprised you're not getting a job. I mean, your lifestyle and your personality is a bit.

• 40:30Speaker 04

  Rough?

• 40:31Caleb Hammer?

  Not employable. So long as you've had a job.

• 40:36Speaker 04

  Well, every job I have, I excel at in the work itself. It's the, the HR and the corporate talk and the news speak that I can't do.

• 40:44Caleb Hammer?

  The news?

• 40:45Speaker 04

  The news speak, yeah, from like 1984. That's how, that's how people talk nowadays, man.

• 40:50Caleb Hammer?

  What's he talking about?

• 40:53Speaker 04

  Newspeak?

• 40:54Caleb Hammer?

  Does he excel?

• 40:56Speaker 04

  Karen talk.

• 40:57Speaker 03

  I mean, he's, he's really good at his job when he gets it, but like the last job that I kind of helped you get into, you kind of that one up.

• 41:06Caleb Hammer?

  Oh, you gave it, oh my. Well, as long as you've had a job.

• 41:09Speaker 04

  Well, it was in like the end of December, beginning of January, I got hired on at a major, um, major supermarket.

• 41:17Speaker 03

  HEB.

• 41:18Speaker 04

  And I didn't even make it. I had the computer day where you watch all the videos and I had one day of training on the floor.

• 41:25Caleb Hammer?

  That's the longest job you've had?

• 41:26Speaker 04

  No, no, I'm sorry.

• 41:28Caleb Hammer?

  What's the longest job you've had?

• 41:29Speaker 04

  Was a year.

• 41:32Caleb Hammer?

  It's like by thirty-four?

• 41:34Speaker 04

  I've had two jobs I've held for a year and those are the longest I've ever held a job.

• 41:38Caleb Hammer?

  What were they?

• 41:39Speaker 04

  Walmart, I held for a year and the other one...

• 41:43Speaker 03

  The gas station job?

• 41:45Speaker 04

  Oh, I had the gas station job for two years, but it was off and on because I went...

• 41:49Speaker 03

  That's where we met.

• 41:50Speaker 04

  I went like a year and then quit.

• 41:52Caleb Hammer?

  That's where you met?

• 41:52Speaker 03

  Yeah, we both worked for the same gas station company, but different floors. We weren't intertwined. He worked by the one I lived close to and I came in one night to get a four logo. And yeah, I was gonna ask him out. Well, he was gonna ask me out apparently, but I asked him out first and I got the number, so.

• 42:09Caleb Hammer?

  Now, why'd you quit HEB after a couple of days?

• 42:12Speaker 04

  Oh, well, let me finish. Yeah, so we did the, I did the training day and I'm supposed to be hired for overnight and they're telling me I'm supposed to have a schedule. By the end of my training day, I don't have it. And I go home and the next day, my manager calls me. He's like, can you come in today? And I couldn't. I literally didn't have clean clothes and I'm like, no. And he's like, well, when can you come in? And I'm like, I can come in overnight. And he's like, can you come in tomorrow at nine AM? And I thought that was a little weird, but I wasn't thinking too hard about it. So I said, yes. So I go in the next day and he's like, we have reasonable suspicion and we're going to drug test you. I straight up told him like, dog, you ain't gotta drug test me. I'll just tell you right now, I'm gonna pop for marijuana. And he's like, well, I'll tell HR that you're refusing to take a drug test. I'm like, that's not what I'm saying.

• 42:53Speaker 04

  But I asked him what the reasonable suspicion was. He said, there's an aroma coming from my bag. And I think...

• 42:59Caleb Hammer?

  Like her and booze.

• 43:00Speaker 03

  Very reasonable.

• 43:02Speaker 04

  Well, I didn't remember and I think that's just because it's so habitual. I'm pretty sure that I took like a butt or two. Cause I didn't have any at home. She works at the same HEB through her job. So I stopped by the car and I grabbed some weed and I put it in my bag. Then I go inside and I don't think about it because I'm such an habitual smoker. So when I say I bear a certain amount of responsibility, that's what I mean. I do bear a certain amount of responsibility for my situation.

• 43:28Caleb Hammer?

  I would say so.

• 43:31Caleb Hammer?

  So what's this corporate talk? Give me an impression.

• 43:33Speaker 04

  Um, hi, how you doing today? Yeah. So we're looking for somebody with a flexible schedule who wants to be part of a team.

• 43:43Caleb Hammer?

  Okay.

• 43:44Speaker 04

  Do you fit that description, sir?

• 43:45Caleb Hammer?

  I mean, yes, that would annoy me a little, but don't you think that is actually relatively fair for what they?

• 43:52Speaker 04

  Just be real with me, man. This is life or death for me. Take me the job or don't.

• 43:56Caleb Hammer?

  Well, it sounds like don't. You don't fit the culture. They want, because people at H, I honestly, I've only had good experiences with people working at HEB. And I feel like, uh, you wouldn't be that. So.

• 44:06Speaker 04

  Fair. That's fair. I've got, I got the personality of a professional wrestler.

• 44:11Caleb Hammer?

  Okay. So before we go into these finances, I have one other note, um, that is honestly just blowing my mind. Cause it's, it's leading to a different conclusion than I think you intended it to when you said it. Uh, but it was like, oh, every time I think of getting back together, it's an instant. No, not worth it. I understand. It should be an instant. No. But the thing is you're considering getting back together while you've been with a guy for three and a half years. Do you not hear that part when you say that? What is this thought of getting back together? You're with a mother man.

• 44:41Speaker 03

  No, no, I never thought about it like that before.

• 44:44Caleb Hammer?

  What? How can you say every time I think of getting back together, it's an instant. No, you've been with someone for three and a half years.

• 44:50Speaker 03

  I, I know our situation. So does all the people in my life. When people ask me.

• 44:55Caleb Hammer?

  No, objectively, no. Objectively, no. You just.

• 44:58Speaker 03

  Okay. All people know situation in my life. Okay.

• 45:01Caleb Hammer?

  No, first of all, Bernard. And second of all, no, you said your boyfriend doesn't. You said he knows like 50% honestly.

• 45:08Speaker 03

  He doesn't know I'm here.

• 45:09Caleb Hammer?

  He doesn't know you're here. He doesn't understand the extent of the financial integrity. He doesn't understand the details of everything. He knows broad scope, high level. That's what he knows.

• 45:19Speaker 03

  Right.

• 45:19Caleb Hammer?

  So no, people don't know the situation. What the are you talking about?

• 45:25Speaker 03

  Well, when they asked me about it and like why I keep him around, it's because I want to help him and I do want to see him do better. I want him to get better. Like I, I want him to be able to live and actually live.

• 45:38Speaker 03

  Come on, Caleb. Come on.

• 45:40Caleb Hammer?

  Bro's just winning. Doesn't have to do anything all day. Gets the go around, do drugs, play video games and he gets his dick sucked. It's an assumption, not asking.

• 45:51Speaker 04

  It's not that great to do nothing all day, trust me.

• 45:53Caleb Hammer?

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

• 45:54Speaker 04

  It's depressing.

• 45:55Caleb Hammer?

  No, it absolutely is. And honestly, you should man the [__] up. And I'll get you a course career certification and something to choice. Maybe a construction, maybe a tech trade, or maybe, or sorry, maybe a trade. You take what you want with it. You go through the certification, get a [__] job. That means you actually have to apply. A lot of people in the audience have used course careers to improve their income dramatically.

• 46:14Caleb Hammer?

  So you should too.

• 46:18Caleb Hammer?

  No, I mean, yes, you are. You are an absolute joke. You really are, as far as a 34-year-old. But the fact that you're enabling it also, there's some weird shit going on. And I'm not going to go down that rabbit hole, but it's like, what the [__]? I feel bad for your boyfriend, and I feel bad for you. And also, you're enabling him. And also, it's a [__] mess. I mean, you give him an allowance, plus take care of all his bills. What's an allowance? You're giving him an allowance?

• 46:43Speaker 03

  Yeah.

• 46:43Caleb Hammer?

  Why? How much? For what?

• 46:45Speaker 03

  Oh, it's like, it's just $80 a week. It's if he wants to make some food or soda.

• 46:50Caleb Hammer?

  You are giving an ex from four years ago an allowance. These are my numbers, boys.

• 46:55Speaker 07

  All right.

• 46:55Caleb Hammer?

  This is the number of Hammer Media LLC. They're seeing it for the very first time.

• 46:58Speaker 07

  What you have done with the memberships, I think, is remarkable. I see how much you're posting, and it is mind-boggling to me how much you get out there.

• 47:06Caleb Hammer?

  Yeah, and honestly, since that membership number, because this is January's official numbers, we've added [__] dollars on top of that.

• 47:12Speaker 07

  I'm amazed at how much your shorts make you. Can I say that?

• 47:16Caleb Hammer?

  Oh, sure.

• 47:17Speaker 07

  Your shorts generate you [__] money.

• 47:20Caleb Hammer?

  This was crazy. What happened? You see, what was that? I mean, we lost [__].

• 47:25Speaker 07

  It's the same.

• 47:26Caleb Hammer?

  No, I'm not happy.

• 47:28Speaker 07

  We're talking about like the same...

• 47:29Caleb Hammer?

  Let him digest.

• 47:30Speaker 07

  Okay.

• 47:30Caleb Hammer?

  I'm not happy right now. I'm actually texting him.

• 47:32Speaker 07

  Who are you texting?

• 47:33Caleb Hammer?

  Robert COO.

• 47:34Speaker 07

  Is Robert doing a good job if this is, if this is happening?

• 47:39Caleb Hammer?

  We'll see what he says.

• 47:40Speaker 07

  Is there a price? But Ramsey Solutions says, Caleb, we want this.

• 47:46Caleb Hammer?

  Uh, after-tax is $100.

• 47:47Speaker 07

  $100 million.

• 47:49Caleb Hammer?

  I'd consider that.

• 47:56Caleb Hammer?

  If budgeting apps make you feel like [BLEEP], this is for you. Most people who struggle with budgeting are irresponsible. They care about their money, but they get overwhelmed every time they look at it. They download an app, connect their accounts, and try tracking. But within a few days, it feels like a homework assignment they're failing. Too many categories, too many rules, too many red alerts screaming at them about what they did wrong. So of course they stopped opening it, not because they don't care, but because it makes them feel worse. And here's what nobody talks about. The stress isn't coming from your spending. It's coming from having zero clarity in using tools that turn money into a failing grade. Have you ever thought, "I just want to know where my money's going without being judged for it"? You're not alone.

• 48:41Caleb Hammer?

  That's exactly what we built Dollar Wise. If you want a calm and clearer way to see where your money is going, try Dollar Wise. Download the app today and get a three-day free trial. No setup nightmare, no manual tracking, no pressure to be perfect. Just connect your accounts, see where your money's actually going, and decide if it works for you. Click below to download Dollar Wise and see if this helps you feel more in control without the stress. And if it's not a fit, cancel anytime. Well, you have a boyfriend. Well, you're not just [BLEEP] hear that.

• 49:09Speaker 03

  He's literally the equivalent of a child to me, though.

• 49:12Caleb Hammer?

  Good, let him learn and grow up to become an adult.

• 49:14Speaker 03

  So I'm trying to do.

• 49:15Caleb Hammer?

  You're not trying to do that by giving him an allowance.

• 49:17Speaker 03

  But I also gotta let him live, too.

• 49:18Caleb Hammer?

  No, he will figure it out. The dude's not gonna die.

• 49:20Speaker 03

  Yes, he is.

• 49:21Caleb Hammer?

  No, no. And if he does, natural selection. But he also, he's just not gonna die.

• 49:27Speaker 03

  I mean, you don't know his living situation.

• 49:29Caleb Hammer?

  He would figure it out. He would go to a shelter. He would do something.

• 49:33Speaker 03

  I don't think he would do it himself.

• 49:34Caleb Hammer?

  He's not gonna do anything because you just endlessly support him and buy him things. I'm being told he guilt you into buying more things constantly.

• 49:42Speaker 04

  Guilt?

• 49:43Caleb Hammer?

  Well, she said you do.

• 49:45Speaker 03

  I kinda use it as an incentive for him to do something, just...

• 49:48Caleb Hammer?

  What? To do what?

• 49:49Speaker 03

  You do this and all by...

• 49:50Speaker 04

  She brought me to come here.

• 49:52Speaker 03

  Yeah, I did.

• 49:53Caleb Hammer?

  What did you do?

• 49:54Speaker 03

  To get him to come here? Uh...

• 49:59Speaker 03

  Well, we might have, uh, went by the Lego store on the way over here. And, uh, I might have bought him a Lego set. He didn't even like it though, it's not fair. Now we gotta go back before we leave, like.

• 50:16Speaker 03

  I got a Lego set too, but that's besides the point, okay?

• 50:19Caleb Hammer?

  Oh my goodness, it's under your seat. Let me see it.

• 50:25Speaker 04

  This is the one she got.

• 50:26Caleb Hammer?

  Oh my goodness, this is reality. Every time someone thinks the show's not real.

• 50:33Speaker 04

  That's the power of love, baby.

• 50:36Caleb Hammer?

  I mean, it's cool, I like it. I'm a fan. I want one.

• 50:44Speaker 03

  I melted last night. You really like it?

• 50:46Caleb Hammer?

  You did?

• 50:46Speaker 03

  I did.

• 50:47Caleb Hammer?

  Not him?

• 50:47Speaker 04

  Yeah, she got something for her and then she got something.

• 50:49Caleb Hammer?

  That was you?

• 50:50Speaker 04

  Well, she got something else for me.

• 50:51Caleb Hammer?

  What'd you get?

• 50:51Speaker 04

  I got the new Millennium Falcon, but we're gonna take it back because it's part of the Lego's Smart Brick System and I'm not trying to buy in on their

• 50:59Speaker 03

  It didn't come with a smart brick.

• 51:00Speaker 04

  Smart Brick System.

• 51:02Caleb Hammer?

  Okay. That's a little deeper down the lore than I even know.

• 51:08Caleb Hammer?

  Guess I'm not in that deep. Alright, this is gonna be out in your finances are zero. Your finances are loser. Your finances are fucked you.

• 51:16Speaker 04

  I've never made more than $10,000 in a year, my entire life.

• 51:19Caleb Hammer?

  That's not possible. If you've held down a job for a year, that's not possible. Unless you mean holding down a job is like five hours a week for a year.

• 51:27Speaker 04

  I had, I guess I've never done the math on this. I had the Walmart job from February to February, so I had it for a year. I was making at the time, what was it? $9 an hour? And I was working full time, so I've never done the math on that.

• 51:39Caleb Hammer?

  Okay, well, that's more than $10,000 a year. Regardless, I'm gonna be auditing your finances and we need to get you separated and you need to grow the fuck up. Your financial score is 0 out of 10. I'm just gonna say it now. I wanna know what you think yours is. 0 being the absolute worst, 10 being the absolute best.

• 51:55Speaker 03

  Um, well, I took it back in July when I started, I mean, when I first did the application, I did another one again, and I got 2.5.

• 52:04Caleb Hammer?

  Oh, okay.

• 52:04Speaker 03

  And I'm hoping a 3.5 now, we never know.

• 52:06Caleb Hammer?

  We'll see. Listen, if you want that score the same way she did, all you have to do is go to CalebHammer.com, take the assessment. It is free, just takes a few minutes, see where you stand in the world of money, where you're doing great, where you're doing poorly, where you need to improve. And if you don't want to end up like him or her, sign up for the new and improved Dollar Wise Budgeting App. It is incredible. It has changed the ecosystem of budgeting apps out there. Take the free trial to see if you even like it. And if you do, most people sign up for the annual version because it saves 50%. And you, honestly, I don't think this is, this is, is this after March? Is this being uploaded after March? Oh, this is gone. Sorry. Actually, you lost it. That doesn't exist anymore, but you will. Annual members get our budget meal plan. It's a detailed meal plan for every day of the month, signed

• 52:49Caleb Hammer?

  by me, mailed directly to you. It's also sick, but the cookbook's gone forever now. Sorry you missed your opportunity. Go to DollarWise.com, CalebHammer.com. Get set up with all that good stuff and change your life like tens of thousands of other people have. Let's get into this.

• 53:04Caleb Hammer?

  And if it is still March, just in case, yeah, then it's still available. Who knows?

• 53:10Caleb Hammer?

  Oh my gosh, you paid for a parking ticket for $500 for him as well? What the fuck are we doing?

• 53:17Caleb Hammer?

  Is there anything?

• 53:19Caleb Hammer?

  What was that?

• 53:20Speaker 04

  It was beep boop.

• 53:21Caleb Hammer?

  Did you not, do you not mute your phone like we told you to do?

• 53:24Speaker 04

  I'm sorry. That was, I don't do that now.

• 53:26Caleb Hammer?

  I'm so excited to call your boyfriend. You have no fucking clue. You have no clue. All right, let's talk about Discover it. I'm gonna assume every account is yours, right?

• 53:34Speaker 03

  Yes.

• 53:35Caleb Hammer?

  Do you even have an account anywhere of anything?

• 53:37Speaker 04

  I actually have two accounts at Federal Credit Unions.

• 53:41Speaker 03

  What?

• 53:41Speaker 04

  That are, um...

• 53:42Caleb Hammer?

  You don't even know this yet? You give him money?

• 53:44Speaker 03

  No, no, no, no, no. Wait, wait, what? You don't have credit?

• 53:46Speaker 04

  That's my checking. Those are my checking accounts. Those are my Natures and my Stellar.

• 53:50Speaker 03

  Stellar? What's Stellar?

• 53:52Speaker 04

  That's the bank up the street. So, well, it's not even a bank, it's a credit union.

• 53:56Speaker 03

  Do you have a counter?

• 53:57Speaker 04

  Where I just put, I have checking account where I put money in.

• 54:02Speaker 03

  What money? You don't have money?

• 54:03Speaker 04

  The money you give me for allowance.

• 54:04Speaker 03

  Oh, okay.

• 54:05Speaker 04

  Or actually, there's nothing in the stellar at all.

• 54:08Speaker 03

  So why do you have it then?

• 54:10Speaker 04

  It's a bank account, it's a checking account. So in case I get a check, I can check it. I can cash it.

• 54:14Speaker 03

  Well, isn't that supposed to be what the nature does?

• 54:17Speaker 04

  Well, yeah, but I picked, they don't have nature in Houston. So when I worked in Houston, I got the stellar.

• 54:22Speaker 03

  Okay. Continue. Go ahead.

• 54:25Caleb Hammer?

  Well, look at those if we can. So discover it. You're holding an immense balance. Yet you're giving a man-child money and buying him an $800 Lego set on the way here, yet you're holding an extreme balance that is accruing interest? $2,594.44 with interest accruing of $34.99 a month and a minimum payment of $55. You put way more on than you put towards it by far, not even close. You have that. What are you doing? This takes 10 years to pay off and you'll still be a child that you're supporting. What the is wrong with you? Why are you spending so much damn money on this credit card when you are not paying it off to save your fucking life?

• 55:05Speaker 03

  Well, I mean, my money only goes so far every week. I get paid every week and

• 55:09Caleb Hammer?

  This is all going to him. You moron? No shit?

• 55:15Speaker 03

  When I, when I get

• 55:16Caleb Hammer?

  I only have so much money every week. How much was spent going out to eat? I only have so much money every single week. How much was spent going out to eat in the previous month?

• 55:24Speaker 04

  Uh, at least $12 a day.

• 55:26Speaker 03

  Maybe.

• 55:27Speaker 04

  That's a good estimate.

• 55:28Speaker 03

  I would say probably like four or 500.

• 55:29Caleb Hammer?

  What would you say she spends on a monthly basis going out to eat? She only has so much money.

• 55:33Speaker 04

  Well, what's 12 by 30, like 300 something? Uh, 360, so probably 400 just for lunch at least.

• 55:41Caleb Hammer?

  $1,332.43 in the previous month going out to eat. But I only have so much money. You. What are you talking about? That's an insane amount of money. That's of course. No, no, no. It's like a fifth of your income. What are you doing? What are you talking about? What are you talking about?

• 55:59Speaker 03

  Well.

• 55:59Caleb Hammer?

  No wonder you live at home. You blow it all going out to eat. You're a loser too. Living at home twenty eight, twenty nine. What's wrong with you? Actually, I'm okay with living at home, but listen, you do well. You don't need to.

• 56:11Speaker 03

  No.

• 56:12Caleb Hammer?

  You're literally having to get permission to have your ex come over.

• 56:15Speaker 04

  Her parents couldn't afford the place they have. And there.

• 56:18Caleb Hammer?

  Oh, so you're getting milked from that direction too?

• 56:20Speaker 03

  Yes.

• 56:21Caleb Hammer?

  Oh, good.

• 56:22Speaker 03

  Yeah, and they just.

• 56:23Caleb Hammer?

  So you're putting money towards their rent or something?

• 56:25Speaker 03

  Oh, yeah, I give them four hundred a month and they just went through their second bankruptcy. So they don't have money right now or any credit cards. So if they need something.

• 56:36Speaker 04

  Sees any of her money, her mother has her hands on it.

• 56:38Speaker 03

  She's on my account. She does. She takes out what she needs to to pay bills. I don't physically pay my own bills. Okay, she takes them out. She budgets it out for me.

• 56:47Caleb Hammer?

  Oh. They bought GOP ones with your money?

• 56:50Speaker 03

  Yeah.

• 56:51Caleb Hammer?

  Shit, that shit's expensive.

• 56:52Speaker 03

  Yeah, the year's worth.

• 56:54Caleb Hammer?

  They bought the year's worth?

• 56:56Speaker 03

  Yeah.

• 56:56Caleb Hammer?

  Wow.

• 56:58Speaker 03

  I think together is like forty four.

• 56:59Caleb Hammer?

  Bro, you gotta get out. You're just gonna go be independent, move somewhere. Just get away from these people. You can love your parents and still move.

• 57:05Speaker 04

  I've had for years.

• 57:06Caleb Hammer?

  Fuck you. You're that guy. You're the equal thing. You're the same thing. What are you? What are you? You're telling her that? What do you mean you are that? What? She's paying your rent, your utilities, your everything. Why can't you move in with your boyfriend? You've been together for three and a half years.

• 57:20Speaker 03

  Um.

• 57:21Caleb Hammer?

  Allegedly.

• 57:22Speaker 03

  Yes, we have definitely been together for three and a half years. Uh. I, I, the first, my first, I've only had three relationships. My first two, uh, they moved in really fast and I felt really trapped.

• 57:32Caleb Hammer?

  So it's three and a half years. It's different than one month for you guys.

• 57:36Speaker 03

  Well, we also work together, so.

• 57:39Caleb Hammer?

  You and your boyfriend?

• 57:40Speaker 03

  Yeah.

• 57:40Caleb Hammer?

  Why would you do that?

• 57:42Speaker 03

  Uh, we don't work together together. We work for the same company, but. That's not.

• 57:47Caleb Hammer?

  Oh.

• 57:47Speaker 03

  Entirely true. He, we, we were the same, uh, we were the same position when we started, but he got.

• 57:53Caleb Hammer?

  Now he's your boss.

• 57:55Speaker 03

  Yes, and he can't work over me, so.

• 57:57Caleb Hammer?

  I, it's not inherently bad as long as you guys follow all the HR rules. Everything's disclosed. Everything's.

• 58:03Speaker 03

  Yeah.

• 58:03Caleb Hammer?

  Blah, blah, blah, blah, blah. I mean, TikTok's gonna be more power dynamic, but there's clear things. Companies do to make sure there is actually isn't a power imbalance, so.

• 58:13Speaker 03

  Yeah, we're not the only ones that.

• 58:14Caleb Hammer?

  But that is fucking weird. In general, I can see you won't move in together.

• 58:21Speaker 03

  Um, his longest relationship was like seven years and it was long distance. So he's never really lived with a woman either. He's lived with his.

• 58:29Caleb Hammer?

  Why are you wasting your time with this boy? If you're not even willing to move in with him.

• 58:33Speaker 03

  Oh, I'm willing. I just.

• 58:34Caleb Hammer?

  Why aren't you? Your parents are milking you and your ex is milking you. Do you not understand that? That's crazy.

• 58:39Speaker 03

  I've got told so many times.

• 58:41Caleb Hammer?

  Kids?

• 58:42Speaker 03

  No, no, I do want kids.

• 58:44Caleb Hammer?

  Oh, you already have them.

• 58:45Speaker 03

  Yeah, I know.

• 58:47Caleb Hammer?

  So when you guys live together, is he gonna be able to come over?

• 58:49Speaker 03

  No, no, I'm trying to get him all settled in his own life. Get a girlfriend, you know?

• 58:54Caleb Hammer?

  Oh, so first shut the up. He clearly wants to be with you.

• 58:57Speaker 03

  No, it's not happening. I'm sorry.

• 58:59Caleb Hammer?

  Okay, but you would choose her if given the choice?

• 59:03Speaker 04

  Not anymore.

• 59:04Speaker 06

  Stop the cap.

• 59:06Caleb Hammer?

  What?

• 59:07Speaker 04

  Nah, not, not anymore.

• 59:09Speaker 03

  I think he got hurt when I told him no, even if I broke up with my boyfriend, I wouldn't go. I wouldn't.

• 59:13Speaker 04

  She's never told me that. That's a lie.

• 59:15Speaker 03

  I've told him that.

• 59:15Speaker 04

  No, you haven't. That's what you said.

• 59:20Caleb Hammer?

  What has she said?

• 59:21Speaker 04

  We had a conversation actually kind of recently about this. And her boyfriend was never a factor in any of the things that she told me. Essentially what she told me is that um, she would not be able to trust me if we were to come back together.

• 59:37Speaker 04

  And of course, you know, I posit that that was years ago and I'm a different person. But, you know.

• 59:44Speaker 03

  He's grown.

• 59:45Speaker 04

  I still, I still can understand that sentiment. But to me, it's like, at this point, how can I get back with her? Even if she breaks up with her boyfriend, knowing that she was with him for so long? Knowing what I know about him, he.

• 1:00:00Caleb Hammer?

  So you would have wanted to get back with her if she didn't say that?

• 1:00:03Speaker 04

  I mean, at some point, at some point, absolutely, I would have gotten back with her. But, like, man.

• 1:00:11Speaker 04

  I do not like anything I know about her boyfriend.

• 1:00:14Speaker 03

  He doesn't know anything about my boyfriend.

• 1:00:15Speaker 04

  I know what he said about Charlie Kirk's assassination.

• 1:00:20Speaker 03

  What did he say?

• 1:00:20Speaker 04

  He said, I don't, he said, I don't give a, he was a piece of shit.

• 1:00:23Speaker 03

  I, he did not say that.

• 1:00:24Speaker 04

  That's what you told me. He said, that's what you told me.

• 1:00:29Speaker 03

  Well, he also got mad at a whole wrestling, uh, wrestling corporation for doing a skit about the assassination of Charlie Kirk.

• 1:00:37Speaker 04

  No, that was a different thing. That was a different thing.

• 1:00:39Speaker 03

  What was it?

• 1:00:40Speaker 04

  And I did not blow up out of proportion. It was, they recreated the Rampage Jackson situation where Rampage Jackson attempted to murder a professional wrestler or an amateur wrestler and in real life, and then they recreated it for their storyline. It was a local promotion and um, I tried to get their spot from the Comic Con pool. Yes, I did. Because that was-

• 1:00:59Caleb Hammer?

  You have too much time on your hands.

• 1:01:01Speaker 03

  He can't, he doesn't have Instagram anymore because he keeps getting fights on Facebook because he keeps getting in fights.

• 1:01:07Caleb Hammer?

  You keep finding people that like the assassination and yelling at them?

• 1:01:10Speaker 03

  It's not even about that. It's just random stuff.

• 1:01:13Speaker 04

  No, well, it's so, the thing about the assassination is um-

• 1:01:16Caleb Hammer?

  Oh yeah, let's get into this.

• 1:01:17Speaker 04

  Let's, let's get into this. Yeah, let's get into this. Okay, so here's the thing. I don't care about Charlie Kirk. Don't like him. I don't agree with him with the most things, especially with foreign policy and politics. But the fact that somebody can get shot in America for expressing their political beliefs and engaging with people-

• 1:01:32Caleb Hammer?

  I think every normal person is against that.

• 1:01:34Speaker 04

  If, well, not her boyfriend. Boyfriend didn't give-

• 1:01:36Caleb Hammer?

  That's a bad take that your boyfriend has. Death shouldn't be celebrated.

• 1:01:39Speaker 03

  I can't speak on my boyfriend. I don't even know if that's an accurate representation of what he believes, so.

• 1:01:44Caleb Hammer?

  Yeah, why do you even have that opinion? You've never met this guy.

• 1:01:47Speaker 04

  Literally the words just came out of her mouth.

• 1:01:48Speaker 03

  I, I don't believe that.

• 1:01:49Speaker 04

  100%.

• 1:01:50Speaker 03

  He, he hears what he wants to hear.

• 1:01:56Speaker 04

  Every day.

• 1:01:57Caleb Hammer?

  You drink every day?

• 1:01:58Speaker 04

  So she don't remember.

• 1:01:59Speaker 03

  Uh, I do.

• 1:01:59Caleb Hammer?

  An alcoholic?

• 1:02:00Speaker 03

  I, I am. I'm trying, I'm trying to quit. We're both trying to.

• 1:02:03Caleb Hammer?

  Oh.

• 1:02:04Speaker 04

  There's another thing. I used to tell her when we were together, you can't become an alcoholic. And lo and behold.

• 1:02:09Caleb Hammer?

  Decent rule.

• 1:02:12Caleb Hammer?

  It's a pretty good rule.

• 1:02:13Speaker 03

  I mean, both of his parents were alcoholic, so I, I don't think that helped in our relationship either. So I think it was uh-

• 1:02:19Speaker 04

  My mother died from cirrhosis.

• 1:02:26Caleb Hammer?

  Uh, okay.

• 1:02:30Caleb Hammer?

  Any other addictions I should be aware of?

• 1:02:32Speaker 04

  I smoke marijuana every day. We know that.

• 1:02:35Caleb Hammer?

  We know that. What about your, what was just typed to me, scratch off?

• 1:02:40Speaker 03

  Oh, yeah.

• 1:02:41Caleb Hammer?

  But I only have so much money every week. Yeah, tell me.

• 1:02:44Speaker 03

  It's been a lot better because I don't have the money to do it anymore. So.

• 1:02:47Caleb Hammer?

  What's a lot better? Um. Sixty dollars a week for your whiskey? Four hundred a month for your weed? Oh, how much for your scratch offs? Oh, you guys are, you guys are, uh.

• 1:03:00Caleb Hammer?

  Wow, society is carrying you guys along.

• 1:03:03Speaker 03

  Yeah.

• 1:03:04Caleb Hammer?

  Isn't it?

• 1:03:05Speaker 03

  Well, I mean, I have fun. I mean, scratch offs, I don't want to be at home all the time. I mean, I don't want to be, I don't.

• 1:03:10Caleb Hammer?

  But you drive to different locations to sell chips?

• 1:03:13Speaker 03

  Yes.

• 1:03:14Caleb Hammer?

  Are you drinking?

• 1:03:15Speaker 03

  No, no, no, no, no. After work, I mean, shoot, everybody likes a cup of whiskey after work, don't they?

• 1:03:20Caleb Hammer?

  A cup of whiskey? A cup, do we call them cups of whiskey?

• 1:03:23Speaker 03

  A glass, a cup, you know.

• 1:03:25Caleb Hammer?

  A cup of whiskey sounds a bit different than a glass of whiskey. I would, I, that sounds about how you smell. Uh, was that what you were drinking this AM?

• 1:03:35Speaker 03

  Yes.

• 1:03:35Caleb Hammer?

  Oh, before you came here?

• 1:03:37Speaker 03

  Hmm.

• 1:03:38Caleb Hammer?

  Really?

• 1:03:39Speaker 03

  Hmm.

• 1:03:39Caleb Hammer?

  Wait, how early did you start drinking this morning?

• 1:03:41Speaker 03

  Probably nine. I think I said ten early. I think it was nine.

• 1:03:46Speaker 03

  I, I got, I get nervous and yeah, it helps with the nerves.

• 1:03:52Caleb Hammer?

  Oh my gosh, both of you are insane. I had no idea, honestly.

• 1:03:59Caleb Hammer?

  I, I, I'll be honest, I didn't think this episode would be anything. I saw you guys and you guys were so quiet every time I tried to talk to you guys out there. You didn't say anything back to me. I don't know why. Like usually guests are like, kind of happy to see me, but I was like, hi guys, you didn't even acknowledge me and I was like, alright. What the fuck am I dealing with here? But this is insane. You guys are actually fucking insane. What the fuck's wrong with you guys? Is that what you're spending the two thousand one hundred thirty nine? And you're, you're thirteen hundred going out to eat, scratch offs, how much is scratch offs a week? You're misleading this bullshit. That must be scratch offs, five forty five. Five hundred forty five! How much?

• 1:04:32Speaker 03

  That wouldn't be that much.

• 1:04:33Caleb Hammer?

  Scratch offs, unknown shopping, five twenty nine, other large, sixteen hundred. Dude, you probably spend, you probably spend three thousand hours a month on bullshit.

• 1:04:41Speaker 03

  I, I probably spend like, eh.

• 1:04:45Caleb Hammer?

  This is insane. For this credit card, you're saying, oh my, I hope my score went up from July. You just added thousands to this interest accruing card and it's all bullshit. You

• 1:04:55Speaker 03

  Well, January is the better of the months. You I'm glad you don't have last months.

• 1:04:58Caleb Hammer?

  No, this goes through January, end of December.

• 1:05:01Speaker 03

  Oh, yeah, yeah.

• 1:05:02Caleb Hammer?

  All the way through. No, this is the entire month of January.

• 1:05:04Speaker 03

  Glad you don't have February's.

• 1:05:06Caleb Hammer?

  What is wrong with you?

• 1:05:07Speaker 03

  Oh, nothing.

• 1:05:09Caleb Hammer?

  That's pathetic. What is wrong with you?

• 1:05:11Speaker 03

  It was my birthday and Valentine's.

• 1:05:14Caleb Hammer?

  What size of whiskeys do you get?

• 1:05:16Speaker 03

  Seven hundred and fifty milliliters.

• 1:05:17Caleb Hammer?

  Okay, how big is that?

• 1:05:20Caleb Hammer?

  Oh shit, that's pretty big.

• 1:05:24Caleb Hammer?

  So it's one of the bigger bottles?

• 1:05:25Speaker 03

  Uh, I guess.

• 1:05:26Caleb Hammer?

  And how frequently are you buying these?

• 1:05:28Speaker 03

  Uh, twice a week.

• 1:05:30Caleb Hammer?

  Okay, I am not a drinker. Please.

• 1:05:33Speaker 03

  It's a it's a lot.

• 1:05:34Caleb Hammer?

  Give me indications. How, what is?

• 1:05:37Speaker 00

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• 1:06:02Caleb Hammer?

  Is it 700 liters?

• 1:06:03Speaker 03

  750 milliliters.

• 1:06:04Caleb Hammer?

  750, 750 milliliters twice a week.

• 1:06:09Caleb Hammer?

  Okay, I'm getting shocked faces in the studio.

• 1:06:11Speaker 03

  Yeah, I, I, yeah.

• 1:06:13Caleb Hammer?

  That's a lot of whiskey.

• 1:06:15Speaker 03

  Yeah, I know, and I've, I've, I've been alcoholic for probably about last eight to 10 years.

• 1:06:22Caleb Hammer?

  You're 29? Oh, good. You're an actual alcoholic, but you don't drink at work?

• 1:06:27Speaker 03

  No, uh, but the problem is.

• 1:06:29Speaker 04

  I use a restroom.

• 1:06:30Caleb Hammer?

  Bro, can you, what the, fine, go. No one has to on this show. What is wrong with you? We're trying to film something here.

• 1:06:38Speaker 03

  He has a small bladder.

• 1:06:41Caleb Hammer?

  Why the are you supporting this? This degenerate piece of shit. Brandon, come, come double team with me here. The fuck is happening here? Smell her breath, Brandon. It's horrendous.

• 1:06:50Speaker 03

  Oh.

• 1:06:51Caleb Hammer?

  Well, yeah, it's alcohol. It fucking, it's not even noon.

• 1:06:54Speaker 03

  I even asked Colton for men.

• 1:06:56Caleb Hammer?

  You're just trying to hide your booze.

• 1:07:04Speaker 03

  Sorry.

• 1:07:05Caleb Hammer?

  Brandon, what the [bleep]? She needs to abandon this man immediately.

• 1:07:09Speaker 07

  You two are the two biggest losers we have ever had on the show.

• 1:07:12Caleb Hammer?

  Yes, but you're, but you're supporting him.

• 1:07:13Speaker 07

  Oh, that's harsh?

• 1:07:14Speaker 03

  That's pretty harsh.

• 1:07:15Speaker 07

  Oh, that's harsh?

• 1:07:15Speaker 03

  Yeah, I, I do a lot.

• 1:07:17Speaker 07

  You're doing, exactly.

• 1:07:19Caleb Hammer?

  Why are you supporting him? You need to abandon him.

• 1:07:21Speaker 03

  Well, he's literally homeless. What can I do?

• 1:07:23Speaker 07

  You're cheating on your boyfriend.

• 1:07:25Caleb Hammer?

  Well, allegedly, we do not, we are not going into that.

• 1:07:28Speaker 07

  Not physically.

• 1:07:29Caleb Hammer?

  Which we don't know and we're not talking about.

• 1:07:31Speaker 03

  Financially, he's very well off. I mean, he doesn't give a shit. I mean,

• 1:07:34Speaker 07

  What?

• 1:07:35Speaker 03

  Financially.

• 1:07:36Caleb Hammer?

  Oh, you're going behind his back, though. He doesn't know everything that's going on. You said he doesn't know the details. That is still infidelity.

• 1:07:42Speaker 03

  I suppose in a way, but...

• 1:07:43Caleb Hammer?

  No, it's infidelity. Infidelity doesn't have to be sticking it in, which, again, we're not talking about, so I don't even know, but it doesn't matter.

• 1:07:52Speaker 03

  Okay.

• 1:07:53Caleb Hammer?

  Why are you doing this to another man? And why are you supporting a loser? You need to leave. And also, you just go get some [bleep] help. If you actually are struggling, get some [bleep] help, dude.

• 1:08:04Speaker 03

  Yeah, for sure.

• 1:08:05Caleb Hammer?

  Like, I'm gonna prefer you go to rehab over fixing your finances any day, because your life matters more than that.

• 1:08:12Speaker 03

  Yeah.

• 1:08:12Caleb Hammer?

  Can this guy get out of the picture? Can you please leave Bernard? What the [bleep] are you doing? Stop. He will figure out his own shit. Humans figure out their own shit. They do. They do all the time.

• 1:08:22Speaker 03

  People have financial supports and, uh, they have family supports.

• 1:08:26Caleb Hammer?

  So there's nothing I can do here. You'll never leave him. You'll never abandon him.

• 1:08:30Speaker 07

  This isn't, we're talking about an ex-boyfriend right now.

• 1:08:32Speaker 03

  Right, right, right.

• 1:08:34Speaker 07

  How many ex-girlfriends are you supporting financially?

• 1:08:37Caleb Hammer?

  No, none.

• 1:08:38Speaker 07

  Exactly. I'm supporting no ex-girlfriends financially.

• 1:08:40Caleb Hammer?

  Okay, here he is. Here he is.

• 1:08:48Caleb Hammer?

  So the spending on here, going in and getting some bullshit, going in and getting some bullshit. Who's going in and buying energy drinks and shit?

• 1:08:55Speaker 03

  Um, energy drinks are for him and then I'll buy Starbucks.

• 1:08:59Caleb Hammer?

  Okay, you're no longer buying him energy drinks and Starbucks. Make coffee at home, give him coffee at home and buy him gamer subs. He can make this at home with his water. Here's some free samples. You can see which flavor you like. Okay, there's a few different ones. They're very good. You can get free samples of gamersubs.gg, link in the description below. Make sure you use code Caleb and then you can figure out what flavor you like. And then it's literally 40 cents a serving with my discount of 10% off using my link. Okay, that's making energy drinks at home and they're incredible. They're legitimately incredible. No more stopping and designing it into bullshit. Make your energy drink at home, okay? Use gamersubs, my energy drink, energy drink, Taco Bell, Little Caesars, KFC, energy drink, McDonald's, Chipotle, Dunkin' Donuts, Door Dashing Specs.

• 1:09:44Speaker 03

  That was my sister.

• 1:09:45Caleb Hammer?

  That has to be very frequent.

• 1:09:46Speaker 03

  No.

• 1:09:46Caleb Hammer?

  Energy drinks, McDonald's, Wendy's, Thai food, Dunkin' Donuts again. That must happen all the time. Sonic, Dairy Queen, Energy Drinks, Barnes and Noble, Door Dashing, Kikarami, McDonald's, Greek Grill, Star Bees, no make it home Starbucks, fuck you. It's also like the worst chain. Like it actually is like the least good coffee.

• 1:10:13Speaker 03

  I like their consistency.

• 1:10:14Caleb Hammer?

  No, you don't. They're consistently shit. Any coffee, first of all, coffee shops is just like bean, milk. It's just like every coffee shop's consistent. Every place I go to is consistent, shut the fuck up. Starbucks is bullsh** and a waste of money. And you already know that by making your coffee at home and investing the rest. So now you need to do that with your energy drink as well. Make gamer subs at home for just 40 cents a serving. Honestly, it literally tastes better and we proved this accidentally via a blind taste test in our Hammer Elite show, Fat and Fatter.

• 1:10:48Speaker 06

  The number one ranked energy drink is gamer subs.

• 1:10:51Speaker 07

  Literally the cherry flavor is insane.

• 1:10:54Caleb Hammer?

  Listen, you can also get free samples to see if you like it or 10% off your order at gamersubs.gg or click that link in the description below. Type in code Caleb. I am so excited for you guys to finally get your hands on what I've been working on for a year, the brand new Dollar Wise Budgeting App. And listen, I get it. The first iteration was a disaster. Many reasons from working with an external agency to shit infrastructure that I could use, but. Let's be honest, that was on me. So I put my money where my mouth is. And after investing millions of dollars and hiring dozens of people, we've completely rebuilt DollarWise, and it is truly incredible. And to celebrate, I am giving you some insane deals to sign up for the first time,

• 1:11:39Caleb Hammer?

  or trying it again after you used the shitty version last year. But these deals only last through March 31st, and then they're gone forever. Download now, take your free trial to test it out, and get the monthly plan at a 33% discount for three months, or take the annual plan for an insane 50% discount. And with the annual, you get my budget-friendly cookbook signed by me, and my brand-new 30-day detailed budget meal plan signed by me as well, both of them mailed directly to you. But after March 31st, the cookbook is gone forever, so this is literally your last chance to get it. Don't miss this opportunity of a lifetime. Download DollarWise and start your free trial. Go to dollarwise.com or click those links below.

• 1:12:19Caleb Hammer?

  Elsa's Greek Grill, Starbucks, Whataburger, energy drink, energy drink, coffee, Taco Bell, Dairy Queen, DoorDash Dash Pass, that's what you need if we can't afford bills, spending thousands of dollars a month on bullshit, putting it all on credit cards, while we're getting abused from every angle financially. Dairy Queen, Little Caesar's, Apple Bill, Longhorn Liquor, DoorDash and Kickarama, Subway, energy drinks, energy drinks, coffee, Wendy's, energy drink, Chick-fil-A, Olive Garden, discount liquors, DoorDash and Kickarama, Spoon It, and I'm sure you guys definitely did not spoon it during Family Guy.

• 1:13:07Caleb Hammer?

  Okay, and, energy drink, coffee, Sonic, Sally Beauty, Papa John's, Sheen, Longhorn Steakhouse, $101, Longhorn Steakhouse, $80.

• 1:13:18Speaker 03

  That was not me. I ain't been treating no Longhorn Steakhouse. She got lunch for her girls at work, and they reverse her.

• 1:13:24Caleb Hammer?

  On your card?

• 1:13:25Speaker 03

  Well, she can't have credit cards because of the, you know.

• 1:13:27Caleb Hammer?

  So? Because of what?

• 1:13:30Speaker 03

  Because they went through their second bankruptcy.

• 1:13:33Caleb Hammer?

  Which is where you're headed, by the way. So yeah, continue that trend. But not only that, debit card! She can use her debit card!

• 1:13:41Speaker 03

  I don't leave money in my debit.

• 1:13:43Caleb Hammer?

  Her debit card!

• 1:13:46Caleb Hammer?

  She can spend her own money. What the fuck can we do? How old's your mother?

• 1:13:50Speaker 03

  Fifty-five.

• 1:13:51Caleb Hammer?

  Girl, can I just get you to go to rehab, get out of rehab, go to meetings and then just leave southeast Texas and go anywhere, any direction in the country? Leave these people. Leave these people. You're getting abused from every angle. Well, seriously, just you need to get out. And the fact that you're glugging your life away as well is just telling how it's probably why you're okay with it all. You're just willing to submit and just accept life as it is horrendously. Starbucks, caromade, DoorDash, and Specs. Energy drink Dunkin' Donuts, energy drink.

• 1:14:24Caleb Hammer?

  It's pathetic. First month of the year, Korean interest is gonna be thousands by year end. Thousands!

• 1:14:33Caleb Hammer?

  Let me see your checking account.

• 1:14:36Speaker 04

  Uh, it's only gonna go back so far, but I'll show you what I can.

• 1:14:44Caleb Hammer?

  You'd wanna get back with an alcoholic? What does your boyfriend think about your drinking?

• 1:14:48Speaker 03

  Um, I did tell him, but he doesn't, I don't think he realizes the extent.

• 1:14:51Caleb Hammer?

  What the fuck? How many of you guys see each other? What the fuck is happening here? Sounds like this guy is non-existent.

• 1:14:57Speaker 03

  Uh, we see each other when we're both off, so once or twice a week. But we talk every day, we text every day. I would like it to be more frequently, obviously.

• 1:15:07Caleb Hammer?

  He doesn't smell you?

• 1:15:09Speaker 03

  I think you're smelling the perfume.

• 1:15:11Caleb Hammer?

  Uh, you just

• 1:15:13Caleb Hammer?

  did a breath into Brandon's mouth. I am not smelling the perfume.

• 1:15:18Caleb Hammer?

  How much did you drink this morning?

• 1:15:20Speaker 03

  Well, I, I got a, a higher alcohol content than usual. So instead of 50%, I'll, I think it is 75% and like 150 proof.

• 1:15:29Caleb Hammer?

  But how much did you drink?

• 1:15:31Speaker 03

  Uh, I, I, I couldn't tell you.

• 1:15:34Speaker 03

  Like, I, I don't really think about it.

• 1:15:37Caleb Hammer?

  What, are you going from the bottle?

• 1:15:38Speaker 03

  No, no, no, no. I just put it in a cup and I kinda sip on it.

• 1:15:42Caleb Hammer?

  How much did you put in a cup?

• 1:15:46Caleb Hammer?

  Okay, well, he figures out how to use a phone. Oh, here we go. He figured it out. I don't want to touch this.

• 1:15:54Caleb Hammer?

  I really don't. I feel like you have like-

• 1:15:56Speaker 03

  I've been trying to get a new phone for a while.

• 1:15:57Caleb Hammer?

  No! Seriously, can you just stop? What is wrong with you?

• 1:16:03Speaker 03

  It's a bad phone.

• 1:16:03Caleb Hammer?

  Good, let him figure out his life. You know he's gonna be literally like this forever until he figures it out. And he's never gonna figure it out if you don't stop babying him.

• 1:16:11Speaker 03

  That's very true.

• 1:16:12Caleb Hammer?

  You have seventy-five bucks in here. Oh my gosh, you need to see, he's just going to the cafe. Wonder World and energy drinks and McDonald's. It's like, that's all I needed to see. It's nothing. It's horrendous, it's pathetic, and you enable that and you support it.

• 1:16:29Speaker 03

  Yeah, but-

• 1:16:29Caleb Hammer?

  It's sad, it's disgusting, stop.

• 1:16:31Speaker 03

  I'm trying, I'm trying to, I'm trying to do more for myself. Like, I got like a Belize trip planned and like, it's four months and we're-

• 1:16:38Caleb Hammer?

  To Belize? You're going to Belize?

• 1:16:40Speaker 03

  Yeah.

• 1:16:41Caleb Hammer?

  No, do a trip to rehab.

• 1:16:42Speaker 03

  No, I'm going to, I'm going with my friend. I'm going with my friend.

• 1:16:45Caleb Hammer?

  And take them to rehab. Seven hundred, I just got a whiff. That was rough. Seven hundred five dollars and five cents.

• 1:16:53Caleb Hammer?

  With a minimum monthly payment of seventy five dollars in your past due on Credit One. Your past due. Why, why?

• 1:17:00Speaker 03

  Credit One?

• 1:17:01Caleb Hammer?

  Does he have Credit One?

• 1:17:02Speaker 03

  I don't have a Credit One card, no.

• 1:17:04Caleb Hammer?

  Who has Credit One?

• 1:17:04Speaker 03

  My sister has a Credit One.

• 1:17:06Speaker 04

  That must have been mine.

• 1:17:07Speaker 03

  What are you talking about?

• 1:17:08Caleb Hammer?

  Must have been, this is? You're behind.

• 1:17:10Speaker 04

  Yeah.

• 1:17:11Caleb Hammer?

  Girl, he has a max out credit card. You don't even know?

• 1:17:14Speaker 03

  You don't have credit. How the f- do you have a credit card?

• 1:17:16Speaker 04

  That, that was from a couple of years ago when I was an electrician.

• 1:17:20Caleb Hammer?

  Nope, this was actually, uh, a month ago, two months ago.

• 1:17:24Speaker 04

  Well, the, the statement?

• 1:17:25Caleb Hammer?

  Yep. I wish it's only behind one payment.

• 1:17:28Speaker 03

  A month ago?

• 1:17:29Caleb Hammer?

  There's a late fee.

• 1:17:31Speaker 04

  My dad was like, you gotta build credit.

• 1:17:33Speaker 03

  You haven't talked to your dad?

• 1:17:34Caleb Hammer?

  Oh, it is his credit card, and you didn't know about it, I'm being told. Bro, see, this is what you're allowing! And you're okay with this?

• 1:17:41Speaker 03

  He doesn't have credit.

• 1:17:42Caleb Hammer?

  You're pathetic, you're pathetic, stop. What do you mean he doesn't have credit?

• 1:17:45Speaker 03

  He doesn't have credit, if you have credit.

• 1:17:47Caleb Hammer?

  This is Credit One, they will approve anyone, it doesn't fucking matter. And he has credit!

• 1:17:53Speaker 04

  I can't use it.

• 1:17:54Speaker 03

  What do you mean?

• 1:17:55Caleb Hammer?

  Yeah, it's maxed out!

• 1:17:57Speaker 03

  What? What'd you use it on?

• 1:17:59Caleb Hammer?

  What did you use it on?

• 1:18:00Speaker 04

  Food and energy drinks.

• 1:18:02Caleb Hammer?

  Oh my.

• 1:18:03Speaker 04

  When?

• 1:18:04Speaker 03

  I gave you, I give you an allowance. I give you eighty dollars a week. Like, seriously?

• 1:18:08Speaker 04

  I can't use that to pay the card, though. I have to use that for my food and...

• 1:18:13Speaker 03

  You can't use that to pay the card? How are you paying the card? Then you don't make money.

• 1:18:17Speaker 04

  I'm not paying it.

• 1:18:18Speaker 03

  You're not paying it? So who do you think is gonna pay it? Who do you think's gonna pay it?

• 1:18:24Speaker 04

  I figured one day I'd have a job and I could start paying on it.

• 1:18:28Speaker 03

  Like you did in January? Like you did in July? Like you did in March? You've had jobs. When did this come in? You didn't have a job then.

• 1:18:40Speaker 04

  I'm pretty sure we pulled it out when I had a job. The idea was I was supposed to build credit.

• 1:18:45Speaker 03

  What'd you spend it on? There's not, there's no way it's just energy drinks. You drink like two energy drinks, you gotta pee like a racehorse. What did you spend it on?

• 1:18:55Speaker 04

  Just stuff. Normal stuff. You know? Energy drinks, food.

• 1:19:03Speaker 03

  Goonership, games.

• 1:19:05Speaker 04

  I do have an Only and that is a thing.

• 1:19:08Speaker 03

  An Only?

• 1:19:08Caleb Hammer?

  You have an OnlyFans? Subscribe to one.

• 1:19:11Speaker 04

  Well, I, I'm on OnlyFans as a consumer. We'll say that. We'll say like.

• 1:19:17Speaker 03

  We had a huge problem with OnlyFans when we were together.

• 1:19:20Caleb Hammer?

  You, you're, she's paying you, right? An allowance and you're on OnlyFans paying for porn.

• 1:19:24Speaker 04

  Twenty dollars.

• 1:19:25Speaker 03

  That's what it is.

• 1:19:26Speaker 04

  Fifteen dollars.

• 1:19:27Caleb Hammer?

  Is it all about the feet?

• 1:19:28Speaker 04

  It's all about the feet for me, yeah. And the, and the

• 1:19:32Speaker 04

  and the booting.

• 1:19:33Caleb Hammer?

  Well, you're a loser too. And you're enabling it. What the is wrong with you?

• 1:19:38Speaker 03

  I gotta figure out that card now. Thanks a lot for that.

• 1:19:40Caleb Hammer?

  Why do you? See, I can't, there's no conversation to be had here. Dude, I'm sorry. No, no, you do not.

• 1:19:48Speaker 03

  I didn't even know about it. What can I do about it now?

• 1:19:50Caleb Hammer?

  Who gives a fuck? You don't need to know about it. You'll leave him. Leave him. Let him figure it out. If you do not, you will be doing this until you're eighty. What is wrong with you? Stop. I can't convince you. Listen, I'll let you use the fucking mine card. It used to be called the fizz card. It is a debit card that builds credit. That's all you need. It only allows you to spend what's in your checking account and you have seventy-five bucks. Instead of blowing all this money you don't have, okay?

• 1:20:17Caleb Hammer?

  How much you spend on feet a month?

• 1:20:19Speaker 04

  Oh, a month, maybe forty?

• 1:20:22Caleb Hammer?

  That's insane for your financial position.

• 1:20:26Speaker 04

  Yeah, considering I don't have.

• 1:20:28Caleb Hammer?

  And he's late and he's destroying everything. Congratulations. By the way, here's another credit card he has that you don't know about.

• 1:20:35Speaker 03

  You have a second card? Are you serious? What is this one? Another Capital One, isn't it?

• 1:20:42Caleb Hammer?

  Capital One Platinum.

• 1:20:43Speaker 04

  Is it maxed out too?

• 1:20:44Speaker 03

  Credit One Capital One?

• 1:20:45Caleb Hammer?

  It's not maxed out, it's over maxed out.

• 1:20:48Speaker 04

  Yeah.

• 1:20:49Caleb Hammer?

  By far.

• 1:20:52Speaker 04

  I can't make a dent in the.

• 1:20:53Speaker 03

  Was that for pigs too, like seriously?

• 1:20:56Speaker 04

  It's not all for pigs.

• 1:20:57Speaker 03

  What is it then? What is it? Is it games?

• 1:21:01Speaker 04

  There's probably a significant amount went to games, probably Transformers, action figures.

• 1:21:05Caleb Hammer?

  Transformers, action figures? Oh my god, dude, this is pathetic. Why are you, why?

• 1:21:10Speaker 03

  He has a whole, he has a whole storage unit full of games.

• 1:21:12Caleb Hammer?

  Well, he has a storage unit, yeah, he can't afford his own rat.

• 1:21:17Caleb Hammer?

  Why are you supporting this?

• 1:21:20Speaker 03

  I guess I'm too far deep.

• 1:21:21Caleb Hammer?

  No, no, no, you can literally just walk away. This isn't a hole. You can just walk away. You don't have to dig out. You don't have to do anything. You just walk away. Do you pay for the storage unit too?

• 1:21:32Speaker 03

  Yes.

• 1:21:32Caleb Hammer?

  I'm gonna kill myself.

• 1:21:35Caleb Hammer?

  Yeah, it's over maxed out. The limit on here is three hundred dollars. He owes four hundred sixty.

• 1:21:41Speaker 03

  How do you even get over that? How old's that freaking card? Like, how, how much interest is that?

• 1:21:46Speaker 04

  Well, you know, you get by things here and there, next thing.

• 1:21:49Speaker 03

  It's over maxed out!

• 1:21:50Speaker 04

  Ten dollars here, twenty dollars there, and then next thing you know.

• 1:21:56Caleb Hammer?

  My goodness, you're fucked up too. You got cuts on your arm.

• 1:21:59Speaker 04

  Well, that's, that's from.

• 1:22:00Caleb Hammer?

  You used to be a cutter.

• 1:22:01Speaker 04

  That's from when I was a teenager.

• 1:22:02Caleb Hammer?

  Good, these guys are messed up, man. Oh shit. Well, I'm glad you stopped. Can we just say that?

• 1:22:09Speaker 04

  Yeah, there's not, that is not a thing, uh, currently.

• 1:22:12Caleb Hammer?

  Good. For a long time now?

• 1:22:15Speaker 04

  Yeah, it was a one, one isolated incident when I was fourteen.

• 1:22:19Caleb Hammer?

  Fourteen?

• 1:22:25Caleb Hammer?

  Well, the minimum's three, two, two seventeen, but it's like, not really. It's just because you're behind on everything and this is about to get sent to collections and there's $235 of fees, $102 of interest that have just hit, at a 30% interest rate. Who has a 401k loan?

• 1:22:44Speaker 03

  The only one that has a 401k.

• 1:22:46Caleb Hammer?

  Well, that makes sense. Oh my goodness, you took out $16,262. For what? For what? For what possibly?

• 1:22:55Speaker 03

  My, my credit card was over 17,000, so I figured it'd be easier to take it out of my 401k and pay off.

• 1:23:02Caleb Hammer?

  That clearly didn't help because you just spent thousands on your credit card and racked it back up because you didn't change your behavior, nor are you willing to cut your parents off, nor are you willing to just walk away from this loser. What is wrong with you? Why do you do this? Why do you consider this acceptable in any form whatsoever? If you lose your job, this call's due. Due.

• 1:23:23Speaker 03

  Yes.

• 1:23:24Caleb Hammer?

  And this is not gaining anything in the market. You're just paying yourself back a few percentage points while you're losing everything in the market. It's horrendous. It's horrible. 620 a month comes from your paycheck towards this. Are you sure you're 6,500 net? Is that before or after that?

• 1:23:42Speaker 03

  It's after. That was net.

• 1:23:44Caleb Hammer?

  Better be. That's insane. What is wrong with you?

• 1:23:49Speaker 03

  And that's not the first loan I've taken out either. This is, this will be the third time I've borrowed against my 401k.

• 1:23:55Caleb Hammer?

  Why?

• 1:23:57Speaker 03

  It's just, it's the, the amount's gotten bigger every time.

• 1:24:00Caleb Hammer?

  Bro, why though? Why? What were the other ones for?

• 1:24:04Speaker 03

  Paying off their credit card.

• 1:24:06Caleb Hammer?

  Why do you do that without changing your behavior that got you there in the first place? Because clearly you just it up every single fucking time.

• 1:24:12Speaker 03

  Well, that's why we're here.

• 1:24:13Caleb Hammer?

  That's why you're here. Shut the fuck up. That's why you're here. This is a mess that's beyond anything I can do. You're not willing to leave him. You're not willing to stand up to your parents. You're not willing to even move in with a boyfriend of three and a half years. You need rehab. You need to grow the up for the first time in your damn life. You're already grain, man.

• 1:24:31Speaker 04

  This is true.

• 1:24:32Caleb Hammer?

  You're literally already, already grain and you don't have a job.

• 1:24:36Speaker 04

  This is true.

• 1:24:37Caleb Hammer?

  You're pathetic. Okay, I'm being told you take out a 401k loan once a year.

• 1:24:45Speaker 03

  This last one was for two years.

• 1:24:49Caleb Hammer?

  Insanity. Insanity. Yes, you are graying, Colton, but you have a job. So it's not bad to gray. It's the fact that he's a child and he's graying.

• 1:25:00Speaker 03

  I started graying when I was 22.

• 1:25:01Caleb Hammer?

  Too. That's because you're a drinker. You're aged like 90.

• 1:25:07Caleb Hammer?

  I mean, come on, I'm gonna be honest, going for an early grave. I had a very close family member die of alcoholism. It's not great and you're headed down that path.

• 1:25:19Speaker 03

  There's a lot of changes coming, for sure.

• 1:25:21Caleb Hammer?

  Oh, good. They're always coming, never here. It's funny how that works, isn't it?

• 1:25:26Speaker 03

  I'm trying.

• 1:25:27Caleb Hammer?

  Are you?

• 1:25:29Speaker 03

  I mean, yeah.

• 1:25:29Caleb Hammer?

  Whiskey on your breath from 75% proof alcohol from 9 a.m. this morning. Where's your trying? I don't smell trying, that's for sure. So where's your trying?

• 1:25:41Speaker 03

  Um, we're definitely eating out less.

• 1:25:44Caleb Hammer?

  Where? Where? Why is it where? Do you not understand? This is an impossible conversation. There is no win from here. The fact that you're giving where? We're not aware. We're not aware.

• 1:25:55Speaker 04

  I pushed for us to buy groceries more often.

• 1:25:58Caleb Hammer?

  Us to buy groceries? You're not in us. You're not in us. This shouldn't matter. This should not be the words that are being used.

• 1:26:09Speaker 04

  Instead of going out for so much. That's how the lunches started, actually.

• 1:26:13Speaker 03

  Yes, that's been the past couple of months and they have helped, but we still go out at least once a day for food.

• 1:26:18Speaker 04

  Typically.

• 1:26:19Caleb Hammer?

  There's no hope here.

• 1:26:23Caleb Hammer?

  Well, it's a Harley Davidson.

• 1:26:24Speaker 03

  I own it.

• 1:26:25Caleb Hammer?

  But he uses it?

• 1:26:26Speaker 03

  Yes. I don't have a license for it. I mean.

• 1:26:30Caleb Hammer?

  What is it?

• 1:26:32Speaker 03

  An Iron 883 Sportster 2022.

• 1:26:36Caleb Hammer?

  I can't find the total balance on this.

• 1:26:39Speaker 03

  I think it's about 10,000, around 10,000.

• 1:26:42Caleb Hammer?

  That's insane. You're not even using it and this dude's gonna smoke pot one day and just crash it. So you pay $223.79 a month? 78 cents a month? $223.78 a month?

• 1:26:55Speaker 03

  Around there, yes. Like 185, I think.

• 1:26:59Caleb Hammer?

  What? No, your minimum monthly payment is $223.78.

• 1:27:02Speaker 04

  It's like 180 or 90 and then there's a $40, like a warranty essentially.

• 1:27:07Caleb Hammer?

  So your minimum monthly payment is $223.78?

• 1:27:10Speaker 04

  Yes, sir. That is correct.

• 1:27:11Caleb Hammer?

  Do we have the value?

• 1:27:14Caleb Hammer?

  It won't pull it up. We don't know, but listen, I highly doubt it's worth that 10.

• 1:27:18Speaker 03

  My dad said if he this up, then he'll take it.

• 1:27:22Caleb Hammer?

  Will he pay for it?

• 1:27:24Speaker 03

  I don't know about that.

• 1:27:25Caleb Hammer?

  Oh, my goodness. You surround yourself with losers.

• 1:27:28Speaker 04

  Her dad ain't about that life.

• 1:27:29Caleb Hammer?

  This is your entire life as losers. Do you realize that?

• 1:27:34Caleb Hammer?

  Do you realize you are surrounded by losers in every way?

• 1:27:38Speaker 03

  I guess it takes one to know one. We're all losers around here.

• 1:27:41Caleb Hammer?

  It's one to know one. Well, I don't.

• 1:27:43Speaker 03

  Yeah.

• 1:27:43Caleb Hammer?

  How am I a loser?

• 1:27:45Speaker 03

  I mean, you're putting on chapstick, first of all.

• 1:27:49Caleb Hammer?

  What? This doesn't make any sense.

• 1:27:51Speaker 03

  I mean, you just gotta. You gotta pump those lips up.

• 1:27:54Caleb Hammer?

  Well, that explains why yours are dry and crusty.

• 1:27:57Speaker 03

  The other guy is fucked.

• 1:27:58Caleb Hammer?

  Like, what the zoom in on those 4K.

• 1:28:00Speaker 03

  No. Thanks for that.

• 1:28:03Caleb Hammer?

  You're welcome. You're the one who brought it up. Yes, I'm putting on chapstick. I it's, uh, we dehumanify the office so it's more comfortable, which means it's more dry. So you're just surrounded by losers. Doesn't mean you necessarily are. You are, but you can fix that. But honestly, the best way for you, I've given up on you. There's nothing I can tell you in the end. The real answer is you just need to get a job, but you're not going to. So I don't really care. You're gonna, you're gonna for your whole life. You're done. Okay. You are the only one with any kind of hope, but you're always gonna be a loser if you only surround yourself with losers. You need to escape being around losers.

• 1:28:35Speaker 03

  Yeah.

• 1:28:36Caleb Hammer?

  And you need to probably go get some help.

• 1:28:38Speaker 03

  Yeah, I choose not to have friends because this ends up happening.

• 1:28:41Caleb Hammer?

  Okay, well, that's not how friendships will work, though. And you're just surrounded by horrible people at all times. Student loans who has 33, or $30,889.21 in student loans.

• 1:28:52Speaker 03

  That's me.

• 1:28:53Caleb Hammer?

  Okay, what fucking degree do you have?

• 1:28:55Speaker 03

  A bachelor's in marketing.

• 1:28:57Caleb Hammer?

  Okay, I guess. I mean, you're making great money, so it works. Uh, okay, what's your minimum monthly payment?

• 1:29:03Speaker 03

  Uh, two, I pay like 200, 250. So I think it's 200 is the minimum.

• 1:29:08Caleb Hammer?

  A payment plan of some kind that is lower, so $200 payments. None of the interest rates are horrendous. You got one that just peaks over 5%. Most of them are low. So I would do minimum payments until these are paid off. Why are you putting extra towards them? That doesn't make any sense. You have a credit card that is accruing interest. You have a motorcycle that is accruing interest.

• 1:29:26Speaker 03

  Yeah.

• 1:29:27Caleb Hammer?

  That is not worth what it is. Why the?

• 1:29:31Caleb Hammer?

  Least of the worries. Least of the worries.

• 1:29:35Caleb Hammer?

  Checking account, $21, started with negative 67 cents, yet you're giving him money? Dude, this is such a pathetic joke. This is a pathetic joke. And I cannot wait to call this guy in the post-show. You have no clue. This is gonna be incredible.

• 1:29:48Speaker 03

  We don't call each other, so this is gonna be interesting. I've never really called him before.

• 1:29:51Caleb Hammer?

  What a great relationship of three and a half years these two have had. And they see each other two times a week and they never call? Yeah, this is great. Okay, energy drink. Energy drink, ATM withdrawal, $80, I think that's for his allowance. Cash app, $100, Dunkin' Donuts, Subway, Colorado Canyon, McDonald's, don't, uh...

• 1:30:15Caleb Hammer?

  Energy drink, Cash App, $15, energy drink, energy drink, Raising Canes, energy drink, Little Caesar's. Actually, groceries, finally. Energy drink, ATM withdrawal, $100. Energy drink, energy drink, Miller's Discount, McDonald's, Jack in the Box.

• 1:30:36Speaker 00

  This episode is brought to you by Google Chrome. You think you know a browser, but Gemini and Chrome? That's new. It can help you with practically anything on the web. Like restoring a vintage motorcycle from a 50-page restoration block. Or finally break down that long article you've had open for weeks. Gemini and Chrome is here for it. Ready to make anything online make sense? There's no place like Chrome. Check responses set up required. Compatibility and availability varies. 18+.

• 1:31:00Caleb Hammer?

  Energy drink, McDonald's, energy drink, energy drink, Cash App, $10. Energy drink, energy drink, Charlie's Philly, Spoon It, energy drink, McDonald's, energy drink. Novroski's, energy drink, energy drink, McDonald's. Cash App, $100, Cash App, $180, who gets these?

• 1:31:22Speaker 03

  Um, that's for his stuff.

• 1:31:24Caleb Hammer?

  Oh, I thought he got $80. Oh my... Energy drink, energy drink. Actually, groceries, again, $500 ATM withdrawal?

• 1:31:34Speaker 03

  I don't know what that was.

• 1:31:35Caleb Hammer?

  Ah, energy drink, energy drink, energy drink. Dairy Queen, Raising, Raising Canes, Sonic. Energy drink, energy drink, KFC. Energy drink, energy drink, energy drink. Gamers subs guys, it's so much more affordable. Not this five dollars every time. Forty cents a serving, forty cents a serving. It's so good, you have no idea. It's, it's the future. It really is. Spoon it. Energy drink. Energy drink. Burger King, eighty, I'm a draw, eighty bucks. There's the allowance. Energy drink, energy drink. McDonald's. Energy drink, energy drink. Cash app seventy-five. Energy drink. Longhorn Liquor. Taco Bell. Energy drink. McDonald's. Energy drink. Energy drink. Energy drink. Energy drink. Energy drink. Starbucks. Energy drink.

• 1:32:21Caleb Hammer?

  Jack of the Box. Auntie Anne's. Donald's. Energy drink.

• 1:32:25Speaker 03

  Auntie Anne's, when you go there?

• 1:32:27Caleb Hammer?

  What's wrong with you? What? So he has access to your checking account?

• 1:32:30Speaker 03

  I mean, I'll let him use my card sometimes.

• 1:32:36Caleb Hammer?

  Why? What is wrong with you in every way whatsoever?

• 1:32:41Speaker 03

  Sorry.

• 1:32:43Caleb Hammer?

  Your retirement's a joke, twenty-seven thousand, but you're against it sixteen. So it's nothing. It's pathetic. It's horrendous. It's so stupid. What are we doing? Is there even a budget to make for her? She needs a, I don't know if you need rehab, but you need to start going to meetings and slowing down and stopping. Obviously, don't cold turkey for alcohol. You'll die. But my gosh. Seek expert opinion on that. Doctor supervision. Income, sixty-five hundred. What's your rent? Or what do you pay for your parents?

• 1:33:11Speaker 03

  Um, my, my mom takes out three hundred dollars a week.

• 1:33:13Caleb Hammer?

  She takes out? Okay. A week? Ay, ay, ay.

• 1:33:17Speaker 03

  Well, that's for my phone, my rent, my.

• 1:33:21Caleb Hammer?

  Yeah, helium, fifteen bucks a month, same towers and services, T-Mobile.

• 1:33:24Speaker 03

  It's all on the family plan.

• 1:33:25Caleb Hammer?

  Yes, but get that and move the away. Get that and move the away. I don't give a shit. Get that and move the away. Twelve hundred. Wow. Minimum monthly debt payments. Yours. Not your 401K, because that becomes before your net. Four hundred, four hundred and seventy-eight dollars and seventy-eight cents. Phone plan, you will. You need to get out. You need to move the out. How much vroom, vroom, drive, drive gasoline?

• 1:33:52Speaker 03

  200 dollars a month.

• 1:33:54Caleb Hammer?

  Car insurance.

• 1:33:56Speaker 03

  Uh, 140 for me.

• 1:33:57Caleb Hammer?

  So that's that. And?

• 1:34:00Speaker 03

  Uh, what was it? 89 for him?

• 1:34:02Speaker 04

  Like 89 for them, yeah.

• 1:34:05Caleb Hammer?

  229, necessary food, you can do 300 move out. Do you do groceries for the house?

• 1:34:10Speaker 03

  No, just for him.

• 1:34:11Caleb Hammer?

  They do it.

• 1:34:11Speaker 04

  When you buy groceries, her family.

• 1:34:13Caleb Hammer?

  He's not in the budget anymore, he's cutting them out. And in fact, I'm okay with the car insurance until he gets a job. No, car insurance for three, this is what I'll do. You can support him for three months. After three months, he will have transitioned or he's done. That's it. He has three months to do it and then you're cut dry. Okay? 300 dollars for groceries.

• 1:34:30Speaker 03

  Okay.

• 1:34:31Caleb Hammer?

  Car insurance, what's just yours? 115. Good. TV fund, anything else you need to survive? 100 bucks. Medical healthcare, co-pays on a monthly basis, do you?

• 1:34:39Speaker 03

  No.

• 1:34:40Caleb Hammer?

  Gym?

• 1:34:41Speaker 03

  No, not anymore.

• 1:34:43Caleb Hammer?

  Uh, subscriptions, let's say 40 bucks. You have any pets?

• 1:34:47Speaker 03

  Uh, over eight, so no. Well, she, I mean, my dog's over eight years old, so I don't need any insurance for her.

• 1:34:53Caleb Hammer?

  Might, but depending on the breed. How much for pet food either way?

• 1:34:56Speaker 03

  Uh, my mom pays for it.

• 1:34:58Caleb Hammer?

  Okay, you move the [__] up. Well, let's get your shit right now. Anything else that needs to be in the budget that I have not taken into account? You're completely cutting them off in three months.

• 1:35:09Caleb Hammer?

  Hello? Anything else that needs to be in the budget?

• 1:35:11Speaker 03

  Anything else?

• 1:35:12Caleb Hammer?

  No, ask him. He's not a part of this. He's done. I don't give [__]. He needs to figure out his life, man.

• 1:35:17Speaker 03

  No, not that I can think of.

• 1:35:19Caleb Hammer?

  Go to counseling if you need to do whatever you need to do. Your living expenses.

• 1:35:22Speaker 04

  How am I gonna afford to go to counseling?

• 1:35:23Caleb Hammer?

  Buddy, you make zero money. You live near Houston. You can get free shit like crazy. You have no idea. All you have to do is look.

• 1:35:32Speaker 04

  I really don't.

• 1:35:32Caleb Hammer?

  Absolutely. We get it all the time in this show. You're liars who are not looking into things.

• 1:35:37Speaker 03

  No, I've been trying.

• 1:35:38Caleb Hammer?

  Can we send him resources? We will send him resources because they're pathetic and can't [__] use search engines.

• 1:35:43Speaker 03

  I tried.

• 1:35:43Caleb Hammer?

  Listen, you have an extra 5,000 hours a month. Wipe off your debt in a few months and then you're done. I'm so [__], that's it. You have an extra 5,000 hours a month. Shut the [__] up. This is so stupid. Cut them off in three. Grow the [__] up. Get some help. Stop being a [__] pussy. We're gonna call the [__] boyfriend on the post show. Join at Hammer Elite, Hammer Financial Score. Just go [__] yourselves, guys. This is Hammer Financial Score. Click, join Hammer Elite. That's it. See you in the post show. How do you feel about your girlfriend and her ex-boyfriend going to Austin together and watching Family Guy late into the night in the same bed together?

• 1:36:20Caleb Hammer?

  Conversation is this. It's a conversation where I'm trying to tell you, you might be getting cucked, dude.

• 1:36:27Caleb Hammer?

  This is the last week. Don't forget to download the new Dollar Wise Budgeting app. This is officially now the best budgeting app on the market. And I'm giving you a special deal to download, but only through March 31st. Take a free three day trial to test it out and then you get the monthly plan at a 33% discount for the first three months or the annual plan at an insane 50% discount. And with the annual, you get my budget friendly cookbook and my brand new 30 day detailed budget meal plan, signed by me and mailed directly to you. After March 31st, the cookbook is going away forever. So this is literally your last chance. Don't miss the opportunity of a lifetime. Download Dollar Wise to start your free trial. Go to dollarwise.com or click the link below.

• 1:37:01Speaker 06

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