Str*pper Exposed On Financial Audit

💰 Download Dollarwise- 6.0 Is Now *LIVE* - Big Deals, New Features, Free Trial: https://bit.ly/46fiDYP They fully let loose in the post show... we could not finish the conversation on how the emotions and support in their relationship are completely f*cked up, so they confront each other... watch here: ➡️ https://bit.ly/chpostshow ============================= 👉 Checking & Savings: GGet a $200 bonus and earn 3.75% APY on your Savings with Chime®: https://secure.moneymatchup.com/chime-caleb-website 🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb 🔥 Get Your Own *Hammer Financial Score* → https://bit.ly/3JCuwPS ============================= *Education* ============================= 👉 Get access to EVERYTHING I offer all in one place: https://bit.ly/4sUm2pb ⚡️Learn how to budget: https://bit.ly/4sspyGh ⚡️Learn how to invest: https://bit.ly/41mr8OP ⚡️Pay off your debt: https://bit.ly/41mr8OP ============================= *Check Out My Resources* ============================= 👉 Checking & Savings: Get a $200 bonus and earn 3.75% APY on your Savings with Chime®: https://secure.moneymatchup.com/chime-caleb-youtube-disc 👉 Land a high-paying job with no experience or degree: ➡️ https://coursecareers.com/CalebHammer 👉 Get FREE MONEY by investing with Public! secure.moneymatchup.com/public-caleb 👉 Find the best credit cards for you with my quiz! cards.calebhammer.com/yt 👉 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 ============================= *Chapters* ============================= 00:00 Intro 01:50 Shes The WHAT? 05:50 Its Never Enough (Am I Right Fellas?) 08:20 Oh My F*cking Goodness 12:45 She Doesn't Even Care lol 18:05 Aaaaand Spoiled By Her Mommy.. OFC 19:50 Are They All Like This 24:00 ONE OF THEM HAS CHILD 26:30 Staying For S*x Is Kinda Valid Tbh 29:15 She Had NO IDEA ($70,000) 32:00 Ah Yes, They're The Type Of People That Need To Be In Psychology 35:45 Are They Trying.. Really? 39:45 Immaturity Is At A Maximum 46:50 $10,000 ON SQUISHMALLOWS??? 50:10 THEY HAVE NO MONEY 55:15 Child Abandonment?? 01:04:30 Bullsh*t Bullsh*t Bullsh*t 01:10:55 All The Debt Belongs To HER? 01:13:00 Amazon Spending 01:20:10 Terminology Matters 01:26:10 MORE Overdrafts?? 01:29:43 Budget!! ============================= Want more content? ============================= 🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips 🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel ============================= *Connect with me!* ============================= TikTok: https://www.tiktok.com/@calebhammercomposer X: https://x.com/sircalebhammer IG: https://www.instagram.com/calebhammercomposer/ Facebook: https://www.facebook.com/calebhammercomposer/ ============================= *Want to be a guest on Financial Audit?* ============================= 👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply *Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. Sponsorship and business inquiries: [email protected] Learn more about your ad choices. Visit megaphone.fm/adchoices

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

• 0:00Speaker 00

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• 0:30Speaker 01

  Now, more than ever, we need someone on our side. But Rob Whitman? Whitman's votes drove up costs, cut Medicaid, and risked 350,000 Virginians' healthcare to pay for tax breaks for himself and his donors. He's not on our side. Shannon Taylor will fight corruption, cut taxes, and bring down costs. This November, vote for Shannon Taylor. She's for us. Paid for by HMP, the House Majority PAC dot com. Not authorized by any candidate or candidate's committee.

• 0:59Caleb Hammer?

  To watch episodes of Financial Audit a week earlier, check us out on YouTube. What DM? Did you see that just [BLEEP] with you? Pull it up. Let's see. Oh, my goodness. How do you feel about her texting [BLEEP]? Because I'm scrolling up for like hours.

• 1:14Speaker 03

  I hate [BLEEP].

• 1:15Caleb Hammer?

  Oh, have you tried to put a boundary [BLEEP]?

• 1:17Speaker 03

  Yes.

• 1:17Caleb Hammer?

  And?

• 1:18Speaker 03

  And then I have too many emotions and I'm putting her in a box.

• 1:21Speaker 04

  She also woke me up out of my sleep.

• 1:23Speaker 03

  OK, but she lied.

• 1:24Caleb Hammer?

  If she is saying do not send images to this man, I do not like [BLEEP]. No shit, she's not trusting you? This is, this is cheating.

• 1:30Speaker 04

  I'm the princess.

• 1:32Caleb Hammer?

  Princess is sending you mad [BLEEP] men?

• 1:34Speaker 04

  Oh. I don't know how to word it better than like, I call the shots, you know?

• 1:40Caleb Hammer?

  I think you should probably just leave.

• 1:41Speaker 04

  You couldn't pay her to.

• 1:43Caleb Hammer?

  That's horrible. That's disgusting. I've never heard something that bad on this show.

• 1:48Caleb Hammer?

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• 2:17Speaker 03

  My name is August. I'm 27 years old.

• 2:19Speaker 04

  I'm Jade. I'm 25 years old. We're from New Orleans, Louisiana.

• 2:23Speaker 03

  And this is Financial Audit.

• 2:26Caleb Hammer?

  I feel like I'm doing some kind of mediation thing here. I looked over, saw what the thing is. Says, "I'm coming on because my girlfriend treats me like a slave." Well, you're both women, so I don't know which girl treats the other girl like a slave. I have a feeling I'm doing some mediation. Who treats who like a slave? What slavery is going on? Glad we're both white, at least.

• 2:47Speaker 03

  I am the slave.

• 2:52Caleb Hammer?

  You're the slave?

• 2:53Speaker 03

  Yes.

• 2:54Caleb Hammer?

  The butch one? The butcher one?

• 2:56Speaker 03

  Offensive. I'm not a butch.

• 2:58Caleb Hammer?

  Butcher.

• 2:59Speaker 03

  I'm a mask, but that's fine.

• 3:01Caleb Hammer?

  Yeah, mask, top, bottom.

• 3:02Speaker 03

  No, I cook, clean, plan the dates, pay for the dates.

• 3:08Speaker 04

  I'm a princess.

• 3:10Speaker 03

  She does nothing.

• 3:10Caleb Hammer?

  But you cook clean. You're like the submissive housewife, but also the man.

• 3:16Speaker 03

  Yes.

• 3:18Caleb Hammer?

  Okay.

• 3:19Speaker 03

  I literally do everything.

• 3:20Caleb Hammer?

  So what's the issue? I'm gonna mediate. I wanna know the [bleep] is going on?

• 3:27Speaker 03

  She, I'd be fine doing all this stuff if she just like gave me a little bit more of like, affection or like emotional understanding, some kind of like closeness.

• 3:40Caleb Hammer?

  You seem like the emotional one. You're like the...

• 3:42Speaker 04

  Exactly. I'm the emotional one. I, um, I am bi, so like, being with girls is a bit harder, for sure.

• 3:53Caleb Hammer?

  Well, yeah, it takes more work down there, if that's what you're talking about.

• 3:56Speaker 04

  Yeah, like, I can barely handle my own emotions. I'm supposed to handle hers.

• 4:00Caleb Hammer?

  Yes. No, yeah, oof, let me tell you.

• 4:03Speaker 03

  Anytime I have an emotion, it's like, it's over. She's immediately angry.

• 4:08Caleb Hammer?

  What do you do? You just crash out on her the moment she... This just makes no sense, because that like matches with your aura and you're like swapping. You're like, again, the butch one. You're the...

• 4:19Speaker 03

  Okay. I'm still a girl. Like, I might, I wear the boy clothes.

• 4:23Caleb Hammer?

  Yes, yes, yes, yes. I'm just saying stereotype, you know?

• 4:26Speaker 03

  Yeah.

• 4:27Caleb Hammer?

  Stereotypically. Okay, so what happens?

• 4:31Caleb Hammer?

  You break down and you're just like.

• 4:34Speaker 04

  I mean, I just, I feel like I get really frustrated really easily. Cause again, like I can't even handle my own emotions, Caleb.

• 4:40Speaker 03

  It's immediate yelling. I'll be like, I'm calm.

• 4:43Caleb Hammer?

  You start screaming at her?

• 4:44Speaker 03

  Yes.

• 4:45Speaker 04

  Screaming.

• 4:46Caleb Hammer?

  Okay, well, she just said yes. Hey, the one that's saying you do says you do. Give me an example. What's the last fight we had? I assume it was something related to coming on this show. Someone's probably up here.

• 4:57Speaker 03

  Morsa has to do with her job.

• 5:00Caleb Hammer?

  Okay, so tell me what happened. What was the conversation? What was the conversation?

• 5:05Speaker 03

  Uh, she has man hoes in her phone.

• 5:11Speaker 04

  She acts like she doesn't have her own.

• 5:16Speaker 03

  Okay, but like, I don't.

• 5:20Speaker 03

  I go through the text messages every now and again. It's very like.

• 5:23Speaker 04

  Okay, now and again is crazy. It is constant.

• 5:28Speaker 03

  She gives me no reassurance to feel stable in the relationship. Like my position is safe.

• 5:35Speaker 04

  Strongly disagree.

• 5:36Caleb Hammer?

  Give your point then, because I have no, I.

• 5:39Speaker 04

  I constantly remind her, like, I, I wanna be with her. When we first talked about like, our whole arrangement and stuff. Like, I, I chose to stay for a reason, because I want to be with her. I just, you know, I, I like both. I wanna have both. I, like Hannah Montana, best of both worlds.

• 5:59Caleb Hammer?

  How do you feel about this?

• 6:01Speaker 03

  Actions speak louder than her words.

• 6:03Caleb Hammer?

  So what are the actions that are happening that are?

• 6:04Speaker 03

  There are no actions.

• 6:06Caleb Hammer?

  What actions would you wanna see?

• 6:08Speaker 03

  Just like, you know, if I'm driving, which I always am, like, just a hand on the lap. Or if I'm cooking, she can just come hug me or like just random kisses throughout the day.

• 6:18Caleb Hammer?

  Women care about such weird things. I don't understand. I'm just, I'm connecting eyes with Brandon over here and both of us just don't get it. Like, I, I provide these because they are also requested in my relationship. I don't fully understand it.

• 6:30Speaker 04

  So, so you do stuff because it's requested, not just because you want to?

• 6:35Caleb Hammer?

  No, but also because I love her. I want to do it because I love her.

• 6:38Speaker 04

  Because you want to fulfill a need, not because it's something that you need to do.

• 6:42Caleb Hammer?

  Yeah, but out of love, not out of a chore. I want to do because she wants it, right?

• 6:45Speaker 04

  Right!

• 6:46Caleb Hammer?

  So why aren't you doing it because she wants it?

• 6:48Speaker 04

  I do!

• 6:49Caleb Hammer?

  She just said she's not. You're not.

• 6:50Speaker 04

  No, she, like, I'll go to give her a random kiss like she wants and then she'll, she'll be like, but you don't want to. And I'm like, I'm doing it!

• 7:00Caleb Hammer?

  Okay, that's weird. Like, yeah, why, why hurt her like that? Why immediately go, well? I mean, that's just like, she's doing something because of you, but because she wants to, because she loves you. Why hurt her in that? And try to make that worse, which means you won't get fulfillment on either end. It'll just bring like, pressure.

• 7:17Speaker 03

  I don't, I, I feel like it's just been going on for so, so long that like, now I feel like I need to extra put on pressure because it's, it's been like two and a half years. But, I mean, I hit on every love language, you know what I'm saying? Like, words of affirmation, acts of like, service, um, my real showing of love is buying her stuff. Because that's, you know, how I was raised, like-

• 7:40Caleb Hammer?

  Is that what she likes?

• 7:41Speaker 04

  I love a gift. I love a trinket.

• 7:43Speaker 03

  She likes acts of service a lot.

• 7:45Caleb Hammer?

  Okay, so you said it stems from her job and people slid it into the DMs from the job?

• 7:49Speaker 04

  Acts of service.

• 7:49Caleb Hammer?

  What was that?

• 7:52Speaker 04

  It's the whip.

• 7:52Caleb Hammer?

  Okay, is that to [BLEEP] with her? Because the slave thing? Are you [BLEEP] with her? Is this like an ongoing thing?

• 7:58Speaker 03

  It is an ongoing thing.

• 7:59Caleb Hammer?

  That's not necessarily good if that's actually her problem. Why are you like feeding into her insecurity in this relationship? That's on, that's like, deeply uncaring.

• 8:08Speaker 04

  I, mm, I care.

• 8:11Caleb Hammer?

  No, it's, that action is deeply uncaring, where she has specifically brought on to the coming out of the show that she feels like you treat her like a slave and then you make a joke about it?

• 8:21Speaker 04

  Okay, but I have been, like lately, because she complains about it, I'll be like-

• 8:27Caleb Hammer?

  About what?

• 8:28Speaker 04

  About doing too much or being a slave. I have tried to start- Well, I've tried to start doing stuff for myself and she's like, no, I want to do it for you. So it, it's just to catch me too. Like, I'm damned if I do, I'm damned if I don't.

• 8:46Caleb Hammer?

  What's your job?

• 8:47Speaker 04

  I'm an entertainer.

• 8:50Speaker 03

  A stripper.

• 8:51Caleb Hammer?

  So who's sliding into these DMs?

• 8:53Speaker 03

  Oh, she hands out her number like she's Oprah.

• 8:57Caleb Hammer?

  So what DM, did you see that just [BLEEP] you?

• 9:03Caleb Hammer?

  Hold up. Let's see. Let's wait is it right now?

• 9:07Speaker 03

  She, I will say, is a flirt.

• 9:10Caleb Hammer?

  Let's see.

• 9:10Speaker 03

  She does like attention.

• 9:11Caleb Hammer?

  You pick, you pick the chat. The chat that is so egregious, you pick. This is your chance, Ms. August.

• 9:18Speaker 03

  Let's go with number one.

• 9:19Caleb Hammer?

  Miss Emotional Mask August to choose?

• 9:24Caleb Hammer?

  Oh, you had it already.

• 9:25Speaker 03

  You could just go through it.

• 9:27Caleb Hammer?

  Okay. Now, this is financial order. I need to bring this to finances in some way so far, and I have not in seven minutes.

• 9:33Speaker 03

  They're not paying her. They're not giving her money.

• 9:36Caleb Hammer?

  That's what it's been.

• 9:37Speaker 03

  That'd be a different conversation.

• 9:37Caleb Hammer?

  Are they supposed to?

• 9:39Speaker 03

  That would be a different conversation.

• 9:41Speaker 04

  Okay, he did pay me when I met him.

• 9:43Caleb Hammer?

  Do you have sugar daddies?

• 9:45Speaker 04

  No. I want one.

• 9:47Caleb Hammer?

  Let's see how this, or am I gonna have to be scrolling forever?

• 9:49Speaker 04

  You're gonna be scrolling for a minute, Cam.

• 9:50Caleb Hammer?

  Fuck, man, what are we doing?

• 9:51Speaker 03

  It's like three weeks of shit.

• 9:53Caleb Hammer?

  Three weeks? This is all three [BLEEP] weeks?

• 9:55Speaker 03

  Yes.

• 9:56Caleb Hammer?

  Good [BLEEP].

• 9:57Speaker 03

  Just one.

• 9:58Speaker 04

  But he's long distance. Like, it's not like we hang out.

• 10:01Caleb Hammer?

  Why has he given you money?

• 10:03Speaker 04

  When I met him, I met him at work. I went out of town.

• 10:07Caleb Hammer?

  Oh, my goodness. How do you feel about her texting [BLEEP]? Because I'm scrolling up for like hours right now.

• 10:12Speaker 03

  I hate [BLEEP].

• 10:13Caleb Hammer?

  Oh, have you tried to put a boundary [BLEEP]?

• 10:15Speaker 03

  Yes.

• 10:16Caleb Hammer?

  And?

• 10:16Speaker 03

  And then I have too many emotions and I'm putting her in a box.

• 10:19Speaker 04

  She also woke me up out of my sleep.

• 10:21Speaker 03

  Okay, but she lied.

• 10:22Caleb Hammer?

  Tell me, tell me about that. I don't know what's happening. What, what happened?

• 10:25Speaker 03

  Did you send pictures? You know, is there anything I should be concerned about?

• 10:29Speaker 04

  There's nothing we can say about.

• 10:31Caleb Hammer?

  He sent a boner there, kind of.

• 10:32Speaker 01

  Now, more than ever, we need someone on our side. But Rob Whitman? Whitman's votes drove up costs, cut Medicaid, and risked 350,000 Virginians' health care to pay for tax breaks for himself and his donors. He's not on our side. Shannon Taylor will fight corruption, cut taxes, and bring down costs. This November, vote for Shannon Taylor. She's for us. Paid for by HMP, the HouseMajorityPac.com, not authorized by any candidate or candidate's committee.

• 11:02Speaker 03

  Yeah, pictures for some.

• 11:02Caleb Hammer?

  Covered, covered, so I didn't have to see his penis. Thank goodness.

• 11:05Speaker 03

  Yeah.

• 11:06Caleb Hammer?

  Why are you texting him so much? Like it's so much. Bro, this isn't even, this is not even two weeks ago. I'm still going hard. Also, huge Charlie Kirk fan.

• 11:19Speaker 04

  Who?

• 11:20Caleb Hammer?

  You. I don't know. Notifications from Charlie Kirk just popped up.

• 11:24Speaker 04

  I'm screaming, was it Twitter?

• 11:25Caleb Hammer?

  I'm turning on Do Not Disturb.

• 11:27Speaker 04

  Come on, I'm not a fan. I want to be so clear.

• 11:30Caleb Hammer?

  There it is. So you specifically requested that she did not share any of these?

• 11:34Speaker 04

  What are you seeing?

• 11:36Caleb Hammer?

  Booty?

• 11:36Speaker 04

  Okay.

• 11:37Caleb Hammer?

  Vagina? I've just seen your-

• 11:40Speaker 04

  Okay, cool.

• 11:41Caleb Hammer?

  On this show?

• 11:42Speaker 04

  Cool.

• 11:43Caleb Hammer?

  Well, you're a stripper, so I assume you don't care. And there's more booty.

• 11:47Speaker 04

  Awesome. I forgot about that.

• 11:48Caleb Hammer?

  And how do you feel about this? Really? Because this is what she said you lied about.

• 11:52Speaker 04

  Um, I didn't lie about those. I lied about-

• 11:55Caleb Hammer?

  You woke her up in the middle of the night. Why?

• 11:57Speaker 03

  So I have like really bad anxiety and like I was not able to sleep and I was like, let me just like a pinksey, you know? Yeah, I know. I know.

• 12:08Speaker 03

  I know.

• 12:10Speaker 03

  So.

• 12:11Caleb Hammer?

  Chad, that's full flap. Being sent to another man.

• 12:14Speaker 04

  Flap is crazy.

• 12:15Caleb Hammer?

  That's full flap. Being sent to another man.

• 12:18Speaker 03

  So I work at the club with her as a bartender. So I do meet these men. They do know that we are dating. Wait, can you, can you pull up a picture of him just so Caleb can see how hideous this man is?

• 12:34Speaker 04

  He's gonna get there eventually.

• 12:37Caleb Hammer?

  Am I?

• 12:38Speaker 04

  It's a really bad picture. He takes bad pictures.

• 12:42Caleb Hammer?

  Okay, well, what's he even paying for? You got no boobs.

• 12:44Speaker 04

  Would you like to donate some?

• 12:46Caleb Hammer?

  Nope.

• 12:46Speaker 04

  All right.

• 12:47Caleb Hammer?

  Uh, I don't think he has a picture of him. Okay, so she's sending this too. She is sending this. Okay, great. You're sending that. You only started talking to him a couple of months ago and you put the boundary of no sending images?

• 13:00Speaker 03

  It was more like I was just asking. You know what I'm saying? Like, are you-

• 13:04Caleb Hammer?

  Are we kidding ourselves right now?

• 13:07Speaker 04

  Stop, Caleb!

• 13:09Caleb Hammer?

  This is crazy. This is crazy.

• 13:13Speaker 03

  That is what I saw and woke her up out of her.

• 13:15Caleb Hammer?

  That's upsetting. That sound is, that's a very moist sound you got going on. So this guy

• 13:21Speaker 04

  The volume is on.

• 13:23Caleb Hammer?

  Bro, just like, what are we doing?

• 13:25Speaker 03

  No, no, no, no, no.

• 13:27Caleb Hammer?

  I turned down the volume. Now, let me go see what the most recent chats are. Yes, this would make me freak, freaked out too. If she's putting, now I assume boundaries are a little more loose because we're stripping.

• 13:38Speaker 03

  Correct, yes.

• 13:39Caleb Hammer?

  But if she is saying, do not send images to this man, I do not like, no shit, she's not trusting you? What are you doing? This is, this is cheating. This is cheating.

• 13:48Speaker 03

  And that's what we talked about. I mean, I'm okay, you know, if she wants to get her flirting from the guys or whatever, I'm allowed to get some Sally on the side and flirt if I want to.

• 13:58Caleb Hammer?

  What a mess. I mean, if you guys says-

• 14:00Speaker 04

  I'm the princess.

• 14:02Caleb Hammer?

  Princess is sending you masturbating to men?

• 14:04Speaker 04

  Oh, I mean, I just like,

• 14:11Speaker 04

  I don't know how to word it better than like, I call the shots, you know?

• 14:17Caleb Hammer?

  And what about her, the person you're with? Or I think you should probably just leave, right?

• 14:21Speaker 04

  I give her the, you couldn't pay her to.

• 14:23Caleb Hammer?

  Well, what is it? Is it a desperation? That's horrible. That's disgusting. I've never heard something that bad on this show.

• 14:29Speaker 03

  Dang.

• 14:30Caleb Hammer?

  That's evil. No, that is evil. Is that not evil?

• 14:36Speaker 04

  I'm not a hypocrite though. I give her all the same rights that I have.

• 14:41Speaker 03

  The thing is, is that I don't really want it from other people. I just kind of want it from her.

• 14:46Speaker 04

  She does it though.

• 14:47Speaker 03

  And so like, it does kind of suck that the things I ask for, other people get without putting in the work that I do.

• 14:55Caleb Hammer?

  That is true. You're giving this guy full like cream.

• 14:57Speaker 03

  Thanks. Thanks. No, literally.

• 15:00Caleb Hammer?

  And she just wants, you're, are we wifed?

• 15:06Caleb Hammer?

  Oh, what? Oh, no, what?

• 15:09Speaker 03

  We, um, we were talking about, you know, getting engaged and

• 15:15Caleb Hammer?

  Okay, just talking.

• 15:16Speaker 03

  Getting married in the, uh, in the summer.

• 15:18Speaker 04

  There was a ring.

• 15:20Speaker 03

  There was a ring that has been returned.

• 15:23Caleb Hammer?

  Was tempted to dance for you for free, she sends it to him. Are we like, cause like, guys,

• 15:28Speaker 04

  I didn't do it though.

• 15:29Caleb Hammer?

  There is a shit ton of paperwork here. Prostitutes yourself, but what are we doing? I'd never take financial advantage of you, baby.

• 15:35Speaker 04

  Okay, she knows about the pet names, but I just, I don't say like my baby, cause she's my baby.

• 15:42Caleb Hammer?

  Have you ever fucked him?

• 15:43Speaker 04

  No.

• 15:44Caleb Hammer?

  Answer a question truthfully right now.

• 15:46Speaker 04

  I swear.

• 15:47Caleb Hammer?

  A different question.

• 15:48Speaker 04

  Oh.

• 15:48Caleb Hammer?

  Have you ever given favors?

• 15:50Speaker 03

  Like a handjob or something?

• 15:52Caleb Hammer?

  Even a handjob?

• 15:53Speaker 04

  No, no.

• 15:54Caleb Hammer?

  Bullshit.

• 15:55Speaker 04

  No.

• 15:55Caleb Hammer?

  With that kind of crap, there's, I do not believe that for a second.

• 15:58Speaker 04

  Where's these?

• 16:01Speaker 04

  Oh, Branny?

• 16:01Speaker 03

  I have asked these questions multiple times and

• 16:05Caleb Hammer?

  Even outside of work?

• 16:07Speaker 04

  No, no.

• 16:08Caleb Hammer?

  You never met up with one of them outside?

• 16:10Speaker 04

  We might have hung out, but it was in public. It was at IHOP.

• 16:14Speaker 03

  I did confirm that with the people she was with.

• 16:17Speaker 04

  We were at IHOP.

• 16:18Speaker 03

  Did confirm.

• 16:20Caleb Hammer?

  Okay.

• 16:22Speaker 03

  Even her friends were pissed off with it.

• 16:23Caleb Hammer?

  You guys were engaged and then you got bored. And then you kicked it off, is what I'm being told.

• 16:28Speaker 04

  I wouldn't say bored.

• 16:29Caleb Hammer?

  And you called off the engagement.

• 16:31Speaker 04

  It was more like a bisexual crisis.

• 16:34Caleb Hammer?

  Well, okay. Hey, can we just do this? Cause I like the emo one right now. The one that looks like she smells of cigarettes, but thankfully doesn't. I like her.

• 16:43Speaker 03

  Uh, not you.

• 16:44Caleb Hammer?

  I like her. She seems like a normal, well, she seems like a person.

• 16:50Caleb Hammer?

  She seems like we'd get along. I'm on her side.

• 16:53Speaker 04

  Okay.

• 16:54Caleb Hammer?

  And

• 16:56Caleb Hammer?

  you're stringing her along.

• 16:57Speaker 04

  No.

• 16:58Caleb Hammer?

  And you absolutely are, which I do not like. I'm sorry, this is a bit Springer right now. I know, I will get into this, I promise, but hey, man. This is where the conversation's naturally gone. If she is doing everything for you, you're not giving any of the love language. I think you pushed back against that a little bit in a way I don't like, for what it's worth, August. But, and then you called off the engagement because you're having a bisexual crisis, because you prob-

• 17:20Speaker 04

  It was more of a mutual conversation though.

• 17:22Caleb Hammer?

  Can we just be completely honest?

• 17:24Speaker 04

  Yeah.

• 17:24Caleb Hammer?

  What are you, 25?

• 17:25Speaker 04

  Yeah.

• 17:26Caleb Hammer?

  I've seen where the story goes.

• 17:30Caleb Hammer?

  You're, you're lesed up.

• 17:32Speaker 03

  Lesed up.

• 17:33Caleb Hammer?

  You're full, yeah, you're full clit.

• 17:36Speaker 04

  Strictly undickly.

• 17:37Caleb Hammer?

  Uh, yeah. You're gonna wanna end up with a guy.

• 17:40Speaker 04

  No.

• 17:41Speaker 03

  So, we have talked about this before.

• 17:44Caleb Hammer?

  Really feel like it.

• 17:44Speaker 04

  I just like them as side pieces.

• 17:46Caleb Hammer?

  I don't know, man. I don't know. I feel like you're gonna want that princess treatment, the, the classic.

• 17:53Speaker 04

  She is my man, my man, my baby, my baby.

• 17:56Caleb Hammer?

  But she doesn't like that.

• 17:58Speaker 03

  So, we, um, we've talked about it before in detail. Uh, I've asked her when she's dated men in the past, like, do you miss women, being with women? And she's like, yeah, absolutely.

• 18:08Caleb Hammer?

  She doesn't even kiss me right now, I'm being told. So it's like.

• 18:11Speaker 04

  I can't.

• 18:12Speaker 03

  Uh, yeah, she did just give her.

• 18:13Caleb Hammer?

  She can't.

• 18:14Speaker 04

  Kisses, I just.

• 18:15Caleb Hammer?

  She can't pucker?

• 18:16Speaker 04

  I just can't make out right now.

• 18:18Speaker 03

  To be fair, I want like, high school makeouts. It's fine that I don't get it all the time.

• 18:23Speaker 04

  Spit in her mouth.

• 18:26Speaker 03

  Um.

• 18:26Caleb Hammer?

  I don't get it. I've never been a makeout person. I just, I don't get it. Like, my, my, I don't want someone's mouth.

• 18:31Speaker 03

  I'm definitely someone that like, you know, life is short if you're bisexual and you want both.

• 18:37Caleb Hammer?

  Not necessarily. You can go, you can, you can, you can do a lot of things that aren't making out that are not vanilla.

• 18:41Speaker 03

  Correct.

• 18:42Caleb Hammer?

  Okay, okay.

• 18:45Caleb Hammer?

  What do you make? A slave? What does the slave make?

• 18:48Speaker 03

  Uh, anywhere between thirty-five hundred to four thousand a month.

• 18:52Caleb Hammer?

  That's pretty good. Is that net? Is that what hits?

• 18:55Speaker 03

  Uh, yeah, that's what I.

• 18:56Caleb Hammer?

  I'll put it at thirty-five to be safe. Jade, no favors on the side. What do you make a month?

• 19:01Speaker 04

  Uh, roughly seven thousand.

• 19:06Caleb Hammer?

  Really? Does that line up?

• 19:07Speaker 03

  Mm-hmm.

• 19:07Caleb Hammer?

  You believe that?

• 19:08Speaker 03

  Yes. I, yeah, we.

• 19:10Caleb Hammer?

  Just making sure. What? It's mostly just tips thrown on stage, or is it the lappies?

• 19:14Speaker 04

  I also have like a remote job.

• 19:18Caleb Hammer?

  Doing what?

• 19:19Speaker 04

  I'm an abstractor.

• 19:21Caleb Hammer?

  Okay, what, what, what the fuck is she talking about?

• 19:23Speaker 03

  Kind of lawyer shit, I don't know.

• 19:25Caleb Hammer?

  What?

• 19:26Speaker 04

  The, the firm I work for, they like represent banks during like foreclosures.

• 19:32Caleb Hammer?

  And what do you do?

• 19:34Speaker 04

  I'm like their little bitch. I collect like the files for them.

• 19:38Caleb Hammer?

  Well, or is someone attracted to you?

• 19:41Speaker 04

  No, I don't even, I don't even go there. They just found out that I have pink hair.

• 19:46Caleb Hammer?

  You're trusted with legal files?

• 19:48Speaker 04

  Yeah.

• 19:48Caleb Hammer?

  And how much you pay? What, what of your seven comes from that?

• 19:51Speaker 04

  Um, it's like thirteen something every two weeks.

• 19:56Caleb Hammer?

  Okay, okay, okay, okay. So.

• 19:58Speaker 04

  Roughly, they

• 19:59Caleb Hammer?

  So you're still making a decent amount stripping.

• 20:01Speaker 04

  Yeah.

• 20:02Caleb Hammer?

  Mostly lap dances and whatnot, I assume.

• 20:04Speaker 04

  Stace has been better lately, though.

• 20:06Caleb Hammer?

  I'm being told you don't, you honestly don't even know what the job is. You just sometimes close the laptop and walk away.

• 20:13Speaker 03

  And does.

• 20:13Speaker 04

  Um, I'm not saying I'm good at it. I do have like family members that also work there, so they help me a lot. Like when I'm confused.

• 20:24Speaker 03

  Mommy.

• 20:24Caleb Hammer?

  Oh, and I assume that is quite often.

• 20:27Speaker 04

  Every day.

• 20:30Speaker 04

  Little bit.

• 20:32Caleb Hammer?

  Okay, so I'm just confused. Is there even actually a future here? I'm not denying that there might be love for each other, but you want dick. She doesn't necessarily like that. You're always in guys DMs. She says no, yet you literally lie about that. I do not believe you don't get favors outside of the scene. I'm being told your sex drives don't even match. You're treating her like a slave and she hates it. You don't give her any of the love languages she likes. So.

• 20:54Speaker 04

  I feel like I've gotten a lot better at the love languages. Like I, I've gotten a lot more affectionate. I've started telling her how cute her outfits are because she loves that.

• 21:03Speaker 03

  Pause.

• 21:04Caleb Hammer?

  They do like that.

• 21:06Speaker 03

  I have to be like, do I look okay?

• 21:09Speaker 04

  Oh bullshit. The other day I did it unprovoked.

• 21:12Speaker 03

  One time.

• 21:13Speaker 04

  Oh my gosh.

• 21:14Speaker 03

  And this, a, a, a lot more I feel like is a bit of an, a reach. Okay. I, I, I might get like a.

• 21:25Speaker 04

  We're in the car. What do you want me to do? Suck your lips?

• 21:29Speaker 03

  Anything. Genuinely, anything. I'll take anything.

• 21:32Speaker 04

  I play with her hair when we're in the car. What more can I do? And she has a new tattoo on her arm, so I try to avoid her arms.

• 21:39Speaker 03

  That, that was Monday. That's Monday.

• 21:43Caleb Hammer?

  Yeah, that's bullshit excuse. Okay, so it sounds like you're really not doing more.

• 21:52Speaker 03

  Pitiful efforts.

• 21:52Caleb Hammer?

  Why are you still in this relationship with someone who wants penis and literally will not?

• 21:58Speaker 04

  But I want cooch too!

• 22:00Caleb Hammer?

  Great, but she doesn't want you doing all this stuff and sending these videos to men. And she, she has said no, and yet you are still doing it.

• 22:07Speaker 04

  But to be clear, she left the house specifically knowing.

• 22:13Caleb Hammer?

  Huh?

• 22:13Speaker 04

  About like some pictures.

• 22:15Caleb Hammer?

  Huh?

• 22:16Speaker 04

  Don't act like you don't know.

• 22:17Caleb Hammer?

  Wait, no, no, what are you saying? I don't know what you're talking about.

• 22:19Speaker 03

  I know that you sent pics, but what are you talking about leaving the house?

• 22:22Speaker 04

  The Saturday.

• 22:24Speaker 03

  I don't know what the fuck she's talking about. Anyway, um, no, I love her more than anything.

• 22:31Caleb Hammer?

  But is it good for you?

• 22:33Speaker 03

  The-

• 22:33Caleb Hammer?

  Is it good for your life? You're 27, you're aging out.

• 22:36Speaker 03

  I know. So that is also a fear factor. But, um, no, I, I, I have a degree in psychology. I've always been very open-minded. I don't think that bisexual people should be put in a box. You know, I am, you know, like life is short.

• 22:54Caleb Hammer?

  Do you want to be monogamous?

• 22:56Speaker 03

  I don't even know that much myself right now. Like I know that I love her and I want to be with her.

• 23:02Caleb Hammer?

  She doesn't need to be put in a box, but it's okay to be monogamous. It's also okay to not be.

• 23:06Speaker 04

  To being excited that she can act on-

• 23:11Caleb Hammer?

  And do you?

• 23:12Speaker 04

  Certain temptations that she has had.

• 23:14Caleb Hammer?

  Do you?

• 23:14Speaker 03

  I have had temptations.

• 23:15Caleb Hammer?

  Do you? Well, everyone does. And when polled independently, the vast majority of people, mostly men, but even the vast majority of people prefer open. I mean, that's not, that's not a crazy concept. 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.

• 23:59Caleb Hammer?

  That's why I like Dollar Wise. They'll play these people just like you for people just like you. No private equity, no gimmicks, just the best budgeting app there is. Download it now, start the free trial. Dollarwise.com, link in the description below.

• 24:15Caleb Hammer?

  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 $200 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. Sign up for Chime. Get that $350 right now in your checking account.

• 24:46Speaker 03

  Yeah.

• 24:47Caleb Hammer?

  But you have to be both on the same page with clear guidelines and rules. And you're not following those rules. You're not following those boundaries. So which equates to then cheating. We do not like cheating here. Why? I do not, I understand your love, but it might be bad for you. This person that is abusing you, financially abusing you, milking you, not giving you anything you want, not even listening to your boundaries or instruction, does not respect and then tells you you're wrong to your face. I do not understand why you are putting up with it. I really do not. Other than love and love's not enough, good reason in the end.

• 25:17Speaker 03

  That's fair. Um, my biggest issue with her is the lying. I'd be fine with the pictures being sent. I'd be fine with whatever.

• 25:24Caleb Hammer?

  You raised her son for her? I didn't know you had a kid.

• 25:28Speaker 00

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• 25:57Speaker 04

  I do.

• 25:57Caleb Hammer?

  And you just raised her son for her? What are you? You're a failure.

• 26:02Speaker 04

  Um, she does not raise him for me.

• 26:04Caleb Hammer?

  You have a son? How old?

• 26:05Speaker 04

  I do. He's gonna be seven in August. He's six.

• 26:09Caleb Hammer?

  Eighteen?

• 26:10Speaker 04

  Yeah.

• 26:11Caleb Hammer?

  Why? What happened?

• 26:13Speaker 04

  I started college and got knocked up.

• 26:16Caleb Hammer?

  Why? So complicated these days.

• 26:20Speaker 03

  She was living like Sex and the City back then.

• 26:22Speaker 04

  He did tell me that he was pretty sure he was sterile because he has type 1 diabetes. I was 18. Why would I know better?

• 26:36Caleb Hammer?

  Is he in the picture?

• 26:37Speaker 04

  No.

• 26:38Caleb Hammer?

  Diabetes man?

• 26:38Speaker 04

  No.

• 26:39Caleb Hammer?

  Are you getting money?

• 26:40Speaker 04

  No.

• 26:41Caleb Hammer?

  Why have you not tried to get it legally?

• 26:43Speaker 04

  Because then he's gonna-

• 26:44Caleb Hammer?

  Does he even know?

• 26:45Speaker 04

  Yeah. Oh, yeah.

• 26:46Speaker 03

  He lives in the same city.

• 26:49Speaker 04

  I heard he moved away again.

• 26:51Speaker 03

  Okay, period. Better.

• 26:52Speaker 04

  Yeah.

• 26:52Caleb Hammer?

  Well, why not go to the court? Get money?

• 26:54Speaker 04

  Well, cuz then he would-

• 26:56Caleb Hammer?

  He busted the lug.

• 26:57Speaker 04

  He would try to be in my son's life and him and his wife are like the [bleep] out and they don't-

• 27:03Caleb Hammer?

  Why were you with [bleep] kid?

• 27:04Speaker 03

  That was her type. She likes ugly men and men that have issues. Just serious issues.

• 27:11Speaker 04

  At the time, I like felt like I could like like I could fix him.

• 27:16Caleb Hammer?

  Girl, your life is completely-

• 27:18Speaker 04

  I was eighteen!

• 27:19Caleb Hammer?

  He's not even on the birth certificate, okay?

• 27:21Speaker 04

  No.

• 27:21Caleb Hammer?

  Bro, I really don't get it. This is such a [bleep] mess and you're just breaking every boundary you know to man. You wanna start a [bleep]. She's not in favor of that, but you want her to join something she's not even in favor of? It's like, everything here is broken. I do not understand what you're doing to yourself. I don't, you're hurting yourself. You're like self-inflicted hurting yourself. I really don't get it. And I bet there's a connection to the kid. I bet that's pulling some weight as well.

• 27:47Speaker 04

  Absolutely.

• 27:47Caleb Hammer?

  Or raising her kid for her cuz she's a fucking failure? It's kinda gross.

• 27:51Speaker 04

  Does not raise him for me. I do homework with him every day. Well-

• 27:55Speaker 03

  No.

• 27:56Caleb Hammer?

  You do homework with him?

• 27:57Speaker 03

  She does not.

• 27:58Speaker 04

  He begs to do it with my mom a lot, so whenever she has time- We live in a house where it's four generations of us.

• 28:06Speaker 03

  We did get approved for the apartment yesterday, though. So we will be moving out. Yes.

• 28:11Speaker 04

  Yeah.

• 28:12Caleb Hammer?

  Oh, my goodness. I couldn't imagine the absolute chaos.

• 28:16Speaker 03

  Yeah.

• 28:16Speaker 04

  Yeah.

• 28:16Caleb Hammer?

  I have a lot of paperwork in front of me. Whose fault? What's going on?

• 28:19Speaker 04

  I definitely have the majority of the debt.

• 28:21Caleb Hammer?

  Okay, so there we go. So it's [bleep] life abuse, it's financial abuse, it's everything. You're carrying down the relationship. Why are you there? Why? It doesn't make sense anymore. It doesn't make sense anymore.

• 28:33Speaker 03

  The sex is good.

• 28:34Caleb Hammer?

  Is it?

• 28:35Speaker 03

  I love her.

• 28:35Caleb Hammer?

  I told, I was told the drive is completely different.

• 28:39Speaker 04

  She has a libido of Andrew from Big Mouth.

• 28:41Speaker 03

  I do.

• 28:42Speaker 04

  Or like Jay.

• 28:43Speaker 03

  Uh, I could-

• 28:45Speaker 04

  You don't watch TV.

• 28:46Speaker 03

  No, I could go-

• 28:47Speaker 04

  Yeah.

• 28:47Speaker 03

  All day, every day.

• 28:49Caleb Hammer?

  And you?

• 28:49Speaker 04

  Like a rabbit.

• 28:51Caleb Hammer?

  Not you?

• 28:52Speaker 04

  In the beginning, like, I was definitely a lot closer to matching it. But I definitely feel like, like, the repressing my sexuality was affecting things. And especially because when we first got together.

• 29:08Caleb Hammer?

  Being into men, like, which is pretty.

• 29:10Speaker 04

  Well, when we first got together, like, one of the first conversations we ever had, she was like, "Yeah, I don't care if you have, like, a boyfriend on the side." And then, like, a week later, she was like, "Yeah, never mind."

• 29:21Caleb Hammer?

  Yeah, because I could understand how that would be leading to jealousy, especially if emotions are being developed on the other side.

• 29:27Speaker 03

  Keep in mind, she was like, "No, I'm very monogamous," like, when I said that.

• 29:31Caleb Hammer?

  Hey, when was the last time you took a dick?

• 29:36Caleb Hammer?

  Answer truthfully.

• 29:38Speaker 04

  Yeah, I mean, people.

• 29:40Speaker 03

  We, we had a, um, a menagee trois. Yeah.

• 29:45Caleb Hammer?

  So you can't be against that, then, if you participated?

• 29:48Speaker 03

  I participated because I love her and I wanted.

• 29:53Caleb Hammer?

  How long ago?

• 29:57Speaker 03

  Last summer?

• 29:59Caleb Hammer?

  So you haven't independently been with someone in a while? You're just sending images and photos?

• 30:03Speaker 03

  Yes.

• 30:03Speaker 04

  Yeah, no, I didn't hook up with nobody.

• 30:05Caleb Hammer?

  And if you would just go hook up with a guy, then what?

• 30:08Speaker 04

  Well, we would talk about it.

• 30:10Speaker 03

  Yeah, yeah, yeah.

• 30:11Speaker 04

  Like, I would tell her.

• 30:12Speaker 03

  It, it definitely wouldn't be anybody that she's texting like this. It would have to be, like, strictly a hookup and then, like.

• 30:18Speaker 04

  Hit it and quit it.

• 30:19Speaker 03

  Yeah, not this emotional shit.

• 30:22Caleb Hammer?

  I, I definitely agree with that. Okay.

• 30:27Caleb Hammer?

  So what's our future looking like? You're a bartender, you're a stripper, and then family's helping you out and something?

• 30:31Speaker 03

  You're gonna love this.

• 30:33Speaker 04

  Family helps her more.

• 30:34Speaker 03

  Family does help me, um, but I'm in school. Like I said, I had my degree in psychology. I'm now pursuing, uh, civil engineering to give.

• 30:45Caleb Hammer?

  Oh.

• 30:45Speaker 03

  Her even more of a princess life. I'm.

• 30:48Caleb Hammer?

  And that's what you want to do? You want to enable her even more, the one who is driving this down with all this debt? What's the household debt? What do we think the household debt is?

• 30:55Speaker 04

  I know mine. I'm like.

• 30:56Caleb Hammer?

  Household, we just, guys, we've been engaged.

• 30:59Speaker 03

  I have no debt, so it would be all hers, and I would guess.

• 31:02Speaker 04

  Like seventy-two thousand?

• 31:04Speaker 03

  I guess like forty-five, seventy.

• 31:08Speaker 04

  With, like, school.

• 31:10Caleb Hammer?

  Seventy-two thousand, eight hundred forty-five dollars.

• 31:13Speaker 03

  Can you repeat that?

• 31:13Caleb Hammer?

  Seventy-two thousand, eight hundred forty-five dollars.

• 31:19Caleb Hammer?

  And this princess treatment is only leading us deeper in the hole. The household brought in eight thousand last month, which doesn't align with the numbers he gave me. It's lower than that, but even still out was ten thousand eight hundred.

• 31:30Speaker 04

  Oh.

• 31:32Caleb Hammer?

  Yeah, that goes up.

• 31:36Caleb Hammer?

  I'm being told, yes, you want to do civil engineering to make more money, but Jade wants you to do civil engineering so she can stop working.

• 31:43Speaker 04

  No, I want to pursue, you're not gonna like it. Um, I'm teaching myself tattooing right now. So I want to be a tattoo artist, but I also am about to finish my degree. And I want to go to grad school so I can be a researcher.

• 32:00Caleb Hammer?

  In?

• 32:01Speaker 04

  Uh, psychology.

• 32:03Caleb Hammer?

  Oh, for fuck's sake, guys, what are we doing? You're gonna research psychology?

• 32:07Speaker 04

  Yeah.

• 32:09Speaker 04

  And tattoo.

• 32:10Caleb Hammer?

  I'm gonna kill myself. What the fuck are we talking about?

• 32:13Speaker 03

  I'll be able to help you. I always say that she's a jack of all trades and a master of none. She just floats around to whatever idea she's on. She's passionate about it and then it fizzles out and she's on to the next thing.

• 32:24Caleb Hammer?

  Yeah, I would say so, as in the next person as well. You guys were supposed to get married this summer.

• 32:28Speaker 03

  I will say that that was kind of rushed on both ends more so I think out of fear of losing each other and like just wanting to lock it in.

• 32:36Caleb Hammer?

  What? Getting married would make us lose each other.

• 32:40Speaker 03

  No, so we don't, so we don't, like lock that shit in, you know what I mean?

• 32:44Caleb Hammer?

  No, I, I don't. Uh, um, how often do we fight, guys? Especially on all this shit. I, I assume, I mean, you have to be afraid of the seventy-two thousand dollars of debt that would come into this marriage. Her spending, everything you're supporting.

• 33:02Speaker 04

  I'm not the only spender.

• 33:04Caleb Hammer?

  She's not going into debt for it though?

• 33:06Speaker 03

  No. I, I mean, I do love Klarna, but I mean, I pay that shit off.

• 33:09Speaker 04

  Just open her credit card.

• 33:10Caleb Hammer?

  Okay, is she going into debt?

• 33:12Speaker 04

  Well, there's like two thousand on there.

• 33:15Caleb Hammer?

  I have credit cards.

• 33:17Speaker 04

  Okay.

• 33:17Caleb Hammer?

  Well, is that a balance? Is that balance being paid off?

• 33:19Speaker 03

  Yes, yes.

• 33:20Caleb Hammer?

  Like a full balance?

• 33:21Speaker 03

  I've been putting like one fifty to two hundred every time I can.

• 33:24Caleb Hammer?

  She said it's two thousand.

• 33:24Speaker 03

  It is, uh.

• 33:26Caleb Hammer?

  So you're not paying it off?

• 33:27Speaker 03

  I, I'm making payments to it.

• 33:30Caleb Hammer?

  That's not, no, no, no, no, no. You put two thousand on, you pay two thousand. Oh, you're going down the same hole as her.

• 33:37Speaker 03

  Okay.

• 33:37Caleb Hammer?

  What are we doing?

• 33:39Speaker 03

  We did wanna go on a cruise this summer, so I just like, put it on the clinic.

• 33:43Speaker 04

  Cause I'm graduating.

• 33:45Speaker 03

  But I paid off a good bit.

• 33:47Speaker 04

  From college.

• 33:48Caleb Hammer?

  With what bachelor?

• 33:49Speaker 04

  Psychology.

• 33:52Caleb Hammer?

  What is with you guys in psychology?

• 33:54Speaker 04

  I already said it.

• 33:55Caleb Hammer?

  It's like the, no, you said you wanted to go into research in psychology. I didn't know you were graduating like right, I didn't know you're in school. Psychology right now. What are, what are you guys getting such a worthless degree?

• 34:05Speaker 04

  Well, I wanna go grad school, so it won't be worthless after.

• 34:09Speaker 03

  Okay, and I wasn't aware of how much schooling and money it takes. So as soon as I didn't get into the master's program, I gave that up.

• 34:16Caleb Hammer?

  What school are you at?

• 34:17Speaker 04

  UNO. It's about to become LSU. We got bought out.

• 34:22Caleb Hammer?

  Okay, your school just got bought out.

• 34:23Speaker 03

  Yeah, no, it's so bad. It's so bad.

• 34:26Speaker 04

  It's not that bad.

• 34:27Speaker 03

  No, it is.

• 34:27Caleb Hammer?

  Schools don't just get bought out.

• 34:29Speaker 03

  My, my department, it is very bad.

• 34:31Caleb Hammer?

  I'm just trying to picture you in the classroom.

• 34:34Speaker 03

  Right.

• 34:34Speaker 04

  They love me.

• 34:37Caleb Hammer?

  They might enjoy your personality, maybe. I don't even know, or the, you know, TA's enjoying you.

• 34:44Speaker 03

  No, right.

• 34:46Speaker 04

  Doesn't hate me for sure. And loves me.

• 34:51Caleb Hammer?

  Son loves you.

• 34:52Speaker 04

  It's a woman.

• 34:54Caleb Hammer?

  Still.

• 34:55Speaker 03

  I, I do love her too.

• 34:56Caleb Hammer?

  A woman professor, definitely a lesbian.

• 35:00Speaker 04

  I don't think she is, but I don't really know. We don't have to see my bald pussy.

• 35:05Caleb Hammer?

  Okay, that's the cat. Okay, funny. That was good. Wonderful.

• 35:10Speaker 04

  You like that?

• 35:11Caleb Hammer?

  Okay. What was the last conversation we've had financially?

• 35:14Speaker 03

  Hmm, I wanted to start helping out, uh, paying for our son's school.

• 35:21Caleb Hammer?

  Well, you should say our.

• 35:22Speaker 03

  Ten thousand dollars a year.

• 35:25Caleb Hammer?

  What?

• 35:25Speaker 04

  But my mom pays half of it.

• 35:27Caleb Hammer?

  Why?

• 35:28Speaker 04

  The education system in Louisiana.

• 35:30Caleb Hammer?

  I'm sure there's good public school districts and bad public school districts.

• 35:34Speaker 03

  Correct, yes.

• 35:34Caleb Hammer?

  Why are you guys?

• 35:35Speaker 04

  Still at the bottom of the entire country. It's not good. It's better.

• 35:39Speaker 03

  I went to public school. She went to private. We ended up in the same class for the same degree.

• 35:45Caleb Hammer?

  Are there charter school options?

• 35:46Speaker 03

  Yes, there are other options and she doesn't want to make him upset by moving him to a new school.

• 35:51Speaker 04

  Okay, I also-

• 35:52Caleb Hammer?

  He doesn't know what the fuck is going on.

• 35:54Speaker 04

  But I want to give him as many resources as I can. Like there, there's better, you know, teachers, student ratios. They offer all kinds of different like programs and stuff. They have like a pool on campus and shit.

• 36:09Speaker 03

  No, they just, they do little theater things every week that we have to go to. And I'm like, are they even learning anything in class?

• 36:15Speaker 04

  Yes.

• 36:16Caleb Hammer?

  Okay, so the conversation is you wanted to provide to that? Even though you're kind of against it?

• 36:20Speaker 03

  I've been against it for so long, but-

• 36:22Caleb Hammer?

  But you want to provide to it? So make this make sense to me.

• 36:24Speaker 03

  Start helping.

• 36:25Caleb Hammer?

  Why? I feel like you do everything.

• 36:27Speaker 03

  She does have a lot of bills. I have no bills.

• 36:29Caleb Hammer?

  Yeah, cuz she just, cuz she takes on everything.

• 36:32Speaker 04

  Um, because her parents help her with her school. They help with her car insurance. I'm on my own for all that.

• 36:39Caleb Hammer?

  Guys, you're 25 and 27. Why are we still doing bachelor degree bullshit? Okay.

• 36:42Speaker 04

  Well, I got knocked out my first semester. It took a while.

• 36:45Caleb Hammer?

  Yeah, don't do that with crackheads, freak.

• 36:47Speaker 04

  And I didn't do it again.

• 36:49Caleb Hammer?

  Are you on birth control?

• 36:51Speaker 04

  For what?

• 36:51Caleb Hammer?

  You take dick sometimes.

• 36:53Speaker 03

  Once and it was wrapped.

• 36:55Caleb Hammer?

  Well, that's good.

• 36:56Speaker 03

  Yeah.

• 36:57Caleb Hammer?

  Glad to hear that.

• 36:58Speaker 04

  Can y'all cut that?

• 37:00Caleb Hammer?

  No.

• 37:01Speaker 03

  You're slurping?

• 37:02Speaker 04

  No, I spilled a little.

• 37:05Speaker 04

  Thanks.

• 37:06Caleb Hammer?

  Okay. Um. And how did that conversation go, though?

• 37:11Speaker 03

  Anytime that we talk about finances, like it's, that's the only calm fights that we have. Uh, she-

• 37:17Caleb Hammer?

  Really?

• 37:17Speaker 03

  Yeah, she did the math on it cuz obviously I make significantly less than she does. Um, it rounded up to about me donating about like contributing 400.

• 37:26Caleb Hammer?

  Why is there no issues there in financial conversations?

• 37:29Speaker 03

  Cuz we both like spending money.

• 37:31Caleb Hammer?

  So we, so we both agree on doing poorly.

• 37:34Speaker 03

  Correct.

• 37:35Caleb Hammer?

  Is anyone gonna step up and be the adult for the future of your relationship?

• 37:39Speaker 03

  I am trying.

• 37:40Caleb Hammer?

  For the future of the seven year olds. You're trying. Is she trying?

• 37:43Speaker 04

  I'm not applied.

• 37:44Caleb Hammer?

  Who, who's trying? Both? Do you guys agree on trying?

• 37:48Speaker 04

  Okay.

• 37:48Speaker 03

  We agree on trying.

• 37:49Speaker 04

  I'm the one that says, no, let's not go to Target. She will be like, let's go to, there's a store called Tiny Buffalo. It has like- The boo-boos and shit, yeah. She'll be like, "Let's go to Italian Buffalo today. Let's go to Target. Let's go to the Pokemon store." And I'm like, "Let's not?" Because I know that I have no self-control. I also, like, I don't look at price tags. Like, if I see it and I want it, I'm getting it.

• 38:17Speaker 03

  She'll be like, "Should we get this one or this one?" I'm like, "Well, this one's $2. This one's $24." Let's get the cheaper one.

• 38:25Speaker 04

  But again, that's why I try to avoid, like, going in there, period.

• 38:31Caleb Hammer?

  So how did the conversation go? If she wants to go, you don't want to go? What happens?

• 38:34Speaker 03

  We go.

• 38:35Speaker 04

  Yeah.

• 38:36Caleb Hammer?

  So why? Why does she win? Why does the irresponsibility win?

• 38:39Speaker 04

  She has to win sometimes, doesn't she?

• 38:41Caleb Hammer?

  Yeah, but if it's winning only in the financial negatives for us, why is it always a win on this side?

• 38:45Speaker 04

  I pay for stuff too, though.

• 38:47Caleb Hammer?

  No, no, no. But if you're saying, "No, we can't afford it," why does she always win?

• 38:52Speaker 03

  It might not be always. She might tell me no, like, one out of 10 times.

• 38:56Speaker 04

  I've seen my grandma a couple times. We did not go to Italian Buffalo the last time she asked.

• 39:00Speaker 03

  No, we didn't.

• 39:00Caleb Hammer?

  Well, OK, so one time. I'm glad the financial conversations are a little better, but it's because you guys are aligned on being shit. Who's trying to change more quickly? I think it's you. Are you gonna hold back the relationship? Are you gonna hold back the finances at this house? Because your parents are the one funding everything? So you've never had to actually realize, sacrifice, and budgeting and understanding money?

• 39:19Speaker 03

  Correct, yes, there is that. But I also like to-

• 39:23Caleb Hammer?

  So that's not fair to her.

• 39:24Speaker 03

  Buy shit when I'm sad, so...

• 39:26Caleb Hammer?

  Well, you're sad all the time because she's horrible.

• 39:28Speaker 03

  Correct, yes. So, I mean...

• 39:31Speaker 04

  I don't think I'm horrible. But it's also discouraging when I do, like, put in efforts and she's like, "Oh, I just..." And then I'll say, like, "Well, I've been doing this and this." And she's like, "Oh, that's true." It's like a hindsight acknowledgement.

• 39:44Caleb Hammer?

  Yeah, no, no, no. I mean, I get that too. I get that too. I, you know...

• 39:48Speaker 04

  It's hard to keep momentum like that, you know?

• 39:51Caleb Hammer?

  It is. No, no, no. The girlfriend I love to the end of the world is, you know, similar to you in that regard. And I'm more similar to you. I'm not love- But like I am similar where it's it's less of my natural instinct to be like that than the other person wants it. So it can be a little discouraging when you, you know, hear only the negatives and you want to do better. So I do get that you got you just have to be more more supportive of what she's at least trying to do because she's trying to do it for you. She's not doing it for her, she's doing it for you.

• 40:17Speaker 03

  Late in the game, like it's shit that I've been begging for.

• 40:22Caleb Hammer?

  Like what? Like what's the, what's the, what's the alternative?

• 40:24Speaker 03

  It just feels like a little, like a sprinkle of what I've been asking for.

• 40:29Caleb Hammer?

  You can accept that there's positive movement, you can leave, or you can hope that nothing ever happens. Which one are you gonna do?

• 40:35Speaker 03

  I'll go with the first one.

• 40:36Caleb Hammer?

  Yeah, I think would be the only fair option, right? And you're just gonna keep stepping up and doing better. You really do.

• 40:44Speaker 03

  Yeah.

• 40:44Caleb Hammer?

  You have to keep the momentum up and you have to help her by not disencouraging her. And putting that pressure on. When it's all pressure, it makes it hard.

• 40:52Speaker 03

  And then I paid for it.

• 40:54Speaker 04

  Okay, I bought us a two hundred.

• 40:56Speaker 03

  She bought her friend a $200 dinner.

• 40:58Speaker 04

  Did you not eat?

• 40:59Speaker 03

  Did I not contribute towards the bill?

• 41:01Speaker 04

  Voluntarily, I told you not to give me money, but I'll tell her not to do these things and she's like, I want to. And then I, but I still get like put down for it, even though she said it's what she wanted to do.

• 41:16Caleb Hammer?

  So how often are you guys fighting? Now finances isn't one of the biggest fight things. How often are we fighting in this relationship?

• 41:22Speaker 03

  It's been more recently that we've been fighting.

• 41:27Caleb Hammer?

  Really? What's it ramping up because and for why?

• 41:29Speaker 03

  Just the lack of communication. Like I cannot bring up anything like.

• 41:33Caleb Hammer?

  Okay.

• 41:34Speaker 03

  I'll bring up a boundary or I'll bring up something that bothers me.

• 41:37Caleb Hammer?

  Give me an example.

• 41:38Speaker 03

  Texting all day, like she'll ignore me or or our son. No, there was, yes, don't. Um, to text whoever back and I'm like, you know, I'll bring it up and it's just instant like raised voice and like just pissed off, shuts it down immediately and like it used to not be like that. Like we used to have really good conversation and communication skills and now it's just she shuts down immediately.

• 42:07Speaker 04

  My thing is just, it's just all the time. So it's just, it's hard. It gets overwhelming.

• 42:14Speaker 03

  And it's all the time because the reassurance that I get, well, she just started giving it to me. So it's been easier to not have to feel insecure and like bring it up constantly. But before it was like nothing. So I'm just. Constantly in my head, so I want to talk to her about it and she just makes it impossible.

• 42:33Caleb Hammer?

  What? This seems pretty important.

• 42:35Speaker 04

  I don't know. I just, I disagree. I feel like I try to give her reassurance, but like, there are times where I'll say something and it's like, not exactly what she wants to hear. And so she'll tell me what she wants to hear. And then she's like, but I don't want to feed you lies.

• 42:52Speaker 03

  Cause I don't. You're an adult. You should be able to.

• 42:55Speaker 04

  But what I say isn't good.

• 42:56Caleb Hammer?

  There is a certain, this is difficult because I feel like I've been there sometimes too. So I do understand it. In her brain, it's not.

• 43:08Caleb Hammer?

  It's more complicated. Some people just need that extra guidance because it's just not in their just natural sphere.

• 43:13Speaker 03

  And I've given the guidance for two and a half years and I also lead by example.

• 43:17Caleb Hammer?

  I mean, that's fair.

• 43:18Speaker 03

  If I fuck up, I mean, it's, it's a, an hour long, deep felt apology and like, you know, what I'm going to do differently next time. Like why it's not going to happen again. And her, wait, her, it's, I'm sorry. I love you. And like, that's it. That's it. And I'll be like, can you think of anything to say?

• 43:37Speaker 04

  I want to be here. I want to be with you.

• 43:40Speaker 03

  Not immediately after the fight.

• 43:42Speaker 04

  And shits and giggles.

• 43:44Speaker 00

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• 44:14Speaker 03

  After the fight.

• 44:15Speaker 04

  It is. So I have BPD. So a lot of times like she wants an immediate like, emotional like thing out of me, but like when my emotions are really high, like, she wants me to coddle her, but like I'm also upset. So like I need to cool down before I'm able to like, have clear thoughts.

• 44:36Speaker 03

  She is, you are fully capable of asking for a minute. Does she ever say that? No. I have to be like, do you need a minute?

• 44:42Speaker 04

  Absolutely a liar. There have been times where I'm like, I'm going to go sit in the office for a minute and she's like, oh, you're going to walk away from me?

• 44:51Caleb Hammer?

  And if we can't get to a place of any kind of communication in a healthy way, what kind of features are here? Have to meet in the middle ground in some kind of communication style. Calm.

• 45:01Speaker 03

  I stay calm. I used to, I used, I used to get.

• 45:04Caleb Hammer?

  Yeah, but you bring a lot of emotions. You do, you do emotional versus logical.

• 45:08Speaker 03

  That's fair. No, that is.

• 45:09Caleb Hammer?

  Which isn't necessarily helpful either. It's okay to be emotional in an argument. Well, and like, having an emotional feeling and being able to communicate because of that. But it can't only be from emotions, especially when the other person's also a little more volatile, which she is.

• 45:26Speaker 03

  It's just difficult to handle when I'm so.

• 45:29Caleb Hammer?

  So how do these end? Do they ever end with any productive?

• 45:31Speaker 03

  Yeah. Yeah.

• 45:33Speaker 04

  Eventually.

• 45:34Caleb Hammer?

  Now, why do we think it's ramping up?

• 45:35Speaker 04

  I think I get really overwhelmed really easily. Again, like, do you know what BPD is?

• 45:41Caleb Hammer?

  Yes.

• 45:42Speaker 04

  Okay, cool. Yeah, so like, instead of getting like crazy manic, I get like rageful, so it's just hard.

• 45:50Caleb Hammer?

  She rages on you?

• 45:51Speaker 03

  She might throw a fan here or there, but it's never on me.

• 45:53Speaker 04

  Okay, one time. I just threw it on the ground. Not even toward her, like. Have you ever been to a rage room?

• 46:03Caleb Hammer?

  If you know, yes, if you know you're getting to the point of rage, ask for five minutes. Ask for five minutes to go calm down. Why don't you give her time?

• 46:12Speaker 03

  Because my anxiety is so bad, I want to like fix it now.

• 46:15Caleb Hammer?

  I get that. I mean, I'm closer to that as well. I, you know, I try to fix the situation, but you have to. You have to give that space for her to calm down, or else it just doesn't work. It won't work.

• 46:28Speaker 04

  Amen. I need to get my whip.

• 46:35Caleb Hammer?

  And I assume there's a lot of pressure here too, especially with the kid being brought in. August says to Colton that she feels like she's carrying the entire, entire finances of this entire relationship. And she, she literally got a job to help try to pay off your debt. Well, you just, well, you just want to be a princess and, and she's not being spoiled at all, and she would love to get spoiled even just once. Well, she is. In control of the relationship, she's paying for all the dates, she's paying for everything, everything. And she got the job to pay off the debt.

• 47:08Speaker 04

  Car insurance, I pay his tuition, I pay for majority of our groceries. Yeah, she pays when we go out to eat, but mostly that's because she's the one that wants to go out to eat, like.

• 47:20Caleb Hammer?

  And don't forget, I want you to be on the next episode of Financial Audit. So go to calebhammer.com/apply or click that link in the description below. You'll have a great time and I'm gonna roast the [__] out of you. Starbucks is bull [__] 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.

• 47:54Speaker 05

  The number one ranked energy drink is gamer subs.

• 47:58Speaker 06

  Literally, the cherry flavor is insane.

• 48:01Caleb 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.

• 48:11Speaker 04

  I used to be a really good meal prepper and then she'd be like, like she's the person, she can't like, think her meals ahead of time because if she's not craving it in that moment, she will not eat it.

• 48:23Speaker 03

  I go to Walmart like every [__] day.

• 48:27Caleb Hammer?

  Is what she said true? Is what she told us in the pre-interview a lie? Are you not the one that is carrying the weight of this financial relationship?

• 48:33Speaker 03

  Absolutely am.

• 48:34Speaker 04

  Do you pay my car note?

• 48:35Speaker 03

  I don't pay a car note. I don't have, I don't have your bills, but I do take care of us. Those are like, you know, your bills.

• 48:43Speaker 04

  Most of our dates. It's also hard for me to.

• 48:47Caleb Hammer?

  Just taking care of dates isn't control.

• 48:49Speaker 03

  I buy her so much shit, not, not that she asks.

• 48:54Speaker 04

  She hates a trinket because she's a minimalist. I'm a maximalist. It is so easy a shop for me.

• 49:00Speaker 03

  It would be nothing for her to go to the store and just pick up one pack of Pokemon.

• 49:04Caleb Hammer?

  But buying bullshit like that is not carrying the financial weight of a relationship. That's not the, that's not, that's just buying shit. That's not taking care of bills, utilities, debts, shit like that. The tuition, that's not taking care.

• 49:16Speaker 03

  Mind you, she does put herself a bit in the hole. You want to talk about your Squishmallows or your littlest pets?

• 49:24Speaker 04

  I mean, not really.

• 49:25Caleb Hammer?

  How much?

• 49:26Speaker 03

  Oh, she did cash flow it at least out of her savings.

• 49:28Caleb Hammer?

  How much out of her savings? I mean, when and how much?

• 49:32Speaker 04

  Um.

• 49:33Caleb Hammer?

  When and how much?

• 49:34Speaker 04

  Maybe a little over a year ago and it was only like 10,000.

• 49:39Caleb Hammer?

  No, it was not.

• 49:41Speaker 03

  It absolutely was.

• 49:42Caleb Hammer?

  10,000 from a savings?

• 49:43Speaker 03

  We have 14 bags of squishmallows in our attic.

• 49:48Caleb Hammer?

  Can you sell them?

• 49:49Speaker 04

  No.

• 49:51Caleb Hammer?

  Why?

• 49:52Speaker 04

  I don't want to.

• 49:53Caleb Hammer?

  So you can sell them, you just don't want to. Dude, 24, maybe even 23 years old at that point, with 10,000 in savings is awesome. Better than the average person. And you f***ed off for squishmallows? This is insane.

• 50:07Speaker 04

  Have you ever laid on a squishmallow?

• 50:09Caleb Hammer?

  Have you ever had a child? Wait, the answer is yes. How about you take care of them?

• 50:13Speaker 04

  He is well fed, well groomed.

• 50:15Speaker 03

  He is very spoiled.

• 50:16Speaker 04

  In a private school, he's in soccer.

• 50:19Caleb Hammer?

  Yes, but you could be setting up him up for so much success, like college in the future. All these different things.

• 50:25Speaker 04

  I have a sub account for him.

• 50:26Caleb Hammer?

  Also, the most important thing is, as well, is a little bit of space, a little bit of independence. And if you guys are going to go into an apartment together and you will just drain your savings for $10,000 of squishmallows, what's gonna happen? Won't do it again, you gotta build up to it. And you spend more than you make and you're dead at 72,000, shut the f*** up. If we are in financial hardships, all of a sudden, no savings means bye-bye apartment, which happens to Americans all day across this country. Every day, every second, constantly. And you're not unique. And you'll have to start doing special favors to not do that. And we don't want you to do that. I don't want you to produce, f*** yourself if you don't want to.

• 51:01Speaker 04

  I don't.

• 51:02Caleb Hammer?

  Yeah, well, there you go.

• 51:03Speaker 04

  Okay.

• 51:03Caleb Hammer?

  So. Guys, what do we think our household? Pretend we're combining. We kinda know that big number. Our household financial score is 0 to 10, 0 being the absolute worst, 10 being the absolute best.

• 51:15Speaker 04

  I'm going two.

• 51:16Speaker 03

  I was gonna say two as well.

• 51:17Caleb Hammer?

  Okay, if you want your Hammer Financial Score, take the assessment. It is free at CalebHammer.com. Just takes a few minutes. See where you stand in the world of money. Thousands of you do that daily, so you should too. CalebHammer.com. And also, tens of thousands of you are active members of the DollarWise Budgeting App. Tens of thousands, almost a hundred thousand, because it is incredible. People are changing their lives and you can download it and start a free trial to see if you like it. And if you do, guess what? Most people sign up for the annual version because it saves almost 50%. And you get my personal 30-day budget meal plan, signed by me, just like I did with this one, which you guys get. I will sign it and I'll mail it directly to you, so no more meal prepping, confusion, not being able to do shit.

• 51:56Caleb Hammer?

  I lay out every meal, every snack, every drink that you can do for 30 full days. And then you just repeat that ongoing and switch it up. Do things around. Well, you want the cookbook too?

• 52:07Speaker 03

  I can do. I was about to say, I was expecting like a hardcover.

• 52:10Caleb Hammer?

  Well, it's not being offered anymore, but you can have it.

• 52:12Speaker 04

  Limited edition.

• 52:14Caleb Hammer?

  The meal plan is just more, uh, this is better for what people in the financial situation. Because it's good because you can cook a few individual meals, but the meal plan gives you the detail throughout a whole month.

• 52:24Speaker 03

  We do like to cook a lot.

• 52:25Caleb Hammer?

  You're rubbing me.

• 52:27Speaker 04

  Sorry.

• 52:28Caleb Hammer?

  I have a checking account first, which is very rare, which means something's here. Who has a checking account with $6 in it?

• 52:35Speaker 03

  That would be us.

• 52:36Caleb Hammer?

  You? I, I carry the weight of the finances on my shoulder and I take care of everything. No bullshit, but then when you set about it, it was just going, going out to eat and bullshit and buying her trinkets.

• 52:49Speaker 04

  She also buys a lot of Pokemon.

• 52:51Speaker 03

  That card is more for my, my funsies.

• 52:55Caleb Hammer?

  Your funsies?

• 52:56Speaker 03

  Yeah.

• 52:56Speaker 04

  eBay.

• 52:57Speaker 03

  I do like eBay.

• 52:58Caleb Hammer?

  Nearly $6,700 of funsies. In a month.

• 53:03Speaker 03

  And food. I don't know. I don't know what I spend my money on. Yeah.

• 53:06Caleb Hammer?

  You don't know. Why haven't you plugged into something like DollarWise or a budget app of any kind? It's so easy. It's automated. Literally, you literally connect it. It takes like two seconds and it's automated and it tells you everything.

• 53:17Speaker 03

  I'm never like dying for money. You know what I'm saying?

• 53:20Caleb Hammer?

  Okay, you have six dollars. What happens when that minimum payment is owed?

• 53:24Speaker 03

  I put my cash back in the bank. It just happened to be at six dollars when I sent it.

• 53:29Caleb Hammer?

  Now you're gathering minimum monthly payments because you decided to open a credit card and not pay it off. What happens when that payment hits? I'll tell you. Either overdraft or return payment fee.

• 53:38Speaker 03

  I have like $400 remaining on that balance. So it's like right there. It'll be done.

• 53:42Caleb Hammer?

  We'll see. Depends where your money is. Now with six dollars done by the end of the month, who knows? Who knows if drinks slow down, tourist season. Uh, when is tourist season in New Orleans? Cause it's getting hot. Exactly.

• 53:54Speaker 04

  Yeah, I know.

• 53:55Caleb Hammer?

  So it comes dry.

• 54:00Caleb Hammer?

  Hurricane season a-coming. What happens when a big storm hits New Orleans and you're down for a few weeks? You gonna make that minimum monthly payment anymore?

• 54:07Speaker 03

  She'll, she'll go travel.

• 54:10Caleb Hammer?

  What? Is that a thing?

• 54:11Speaker 04

  Yeah. You know that?

• 54:14Caleb Hammer?

  I did not know that.

• 54:16Speaker 04

  The more you know.

• 54:17Caleb Hammer?

  Well, how do you even do? How do you? How do you? What do you mean?

• 54:19Speaker 04

  Like you literally just go wherever you want. You audition. You get a contract.

• 54:24Caleb Hammer?

  You have to audition though and they have to accept it.

• 54:27Speaker 03

  She's hot.

• 54:29Caleb Hammer?

  Up in smoke.

• 54:31Speaker 03

  I like, we both like to vape.

• 54:33Caleb Hammer?

  What is wrong with everyone your age? Everyone your age is a vapor.

• 54:37Speaker 04

  I was on pills to quit.

• 54:38Caleb Hammer?

  I was on pills?

• 54:40Speaker 04

  Yeah, but.

• 54:41Caleb Hammer?

  Vape, smoking vape pills?

• 54:43Speaker 04

  Yeah, cessation. Yeah, cessation.

• 54:46Caleb Hammer?

  I don't know. I've never heard of this. Okay, you were. Are you?

• 54:48Speaker 04

  No.

• 54:50Caleb Hammer?

  Why does it even matter?

• 54:52Speaker 04

  Okay, well, so my mom switched jobs. I'm still on her insurance for just a little bit longer. So when she switched jobs, I lost insurance for a brief period, so I couldn't get a refill. And then I was too embarrassed to ask my doctor for like a, a fourth restart.

• 55:08Caleb Hammer?

  It's a doctor?

• 55:09Speaker 04

  Yeah.

• 55:10Caleb Hammer?

  Doesn't give a

• 55:11Speaker 04

  Yeah, well.

• 55:13Caleb Hammer?

  Was it working?

• 55:15Speaker 03

  You have no shame.

• 55:17Speaker 04

  A little bit.

• 55:17Caleb Hammer?

  Was it working?

• 55:18Speaker 04

  It definitely helped me decrease my usage a lot.

• 55:22Caleb Hammer?

  How much do you guys smoke?

• 55:23Speaker 03

  She would literally fight against the pill. She'd be like, oh, it's making me nauseous and then still smoke, which I, I mean, I like to vape.

• 55:31Speaker 04

  But if I did, skinny legend.

• 55:34Caleb Hammer?

  Are you skinny?

• 55:35Speaker 04

  I mean, not really.

• 55:36Caleb Hammer?

  You seem fit. You don't seem fat.

• 55:38Speaker 03

  She's not fat. I wouldn't even call her like.

• 55:41Caleb Hammer?

  Oh, no, I wouldn't have even said you're pudgy.

• 55:45Speaker 04

  So you think I'm skinny? Thanks.

• 55:49Caleb Hammer?

  Well, how do you not beat her?

• 55:51Speaker 03

  I, I think she's so cute.

• 55:53Caleb Hammer?

  She is.

• 55:54Speaker 03

  Yeah.

• 55:54Caleb Hammer?

  How do you not beat her? She's obnoxious.

• 55:57Speaker 03

  You get used to it.

• 55:58Caleb Hammer?

  Spending on vaping.

• 55:59Speaker 04

  A lot, probably.

• 56:01Speaker 03

  At sixteen dollars for one.

• 56:03Caleb Hammer?

  Per person?

• 56:04Speaker 03

  Yeah.

• 56:05Caleb Hammer?

  So sixteen times two times two, sixteen times four?

• 56:08Speaker 03

  Times four.

• 56:08Caleb Hammer?

  Well, let's do that monthly.

• 56:11Speaker 04

  She also overdrafted, by the way.

• 56:14Caleb Hammer?

  Well, that's exactly what I just said would happen if you have six dollars.

• 56:17Speaker 04

  Last night.

• 56:18Caleb Hammer?

  For what?

• 56:18Speaker 03

  Okay.

• 56:18Caleb Hammer?

  Here in Austin?

• 56:20Speaker 03

  Okay.

• 56:20Caleb Hammer?

  How?

• 56:21Speaker 03

  I went to buy her something.

• 56:23Caleb Hammer?

  Three thousand, three hundred twenty-eight dollars a year. You lose a month's worth of income on your household's vape.

• 56:28Speaker 03

  That's actually foul.

• 56:28Speaker 04

  No.

• 56:29Caleb Hammer?

  Yes. An entire month that you work goes to the vaping of the house.

• 56:34Speaker 03

  That is, that is an issue for sure.

• 56:37Caleb Hammer?

  If you look, all of a sudden you figure things out.

• 56:39Speaker 03

  But the overdraft has been fixed. I did put money back on the card.

• 56:42Caleb Hammer?

  But you overdraft. You head to exactly where I said you're going. You're already there. It's only gonna get worse.

• 56:46Speaker 03

  It was on my debit though.

• 56:47Caleb Hammer?

  Yeah.

• 56:48Speaker 03

  It wasn't on the credit card. It was on my debit.

• 56:49Caleb Hammer?

  That's, that's where overdrafting is.

• 56:53Caleb Hammer?

  Dude, listen.

• 56:54Speaker 03

  What is it if I miss a payment on the card, the credit card?

• 56:56Caleb Hammer?

  Late fee? Miss payment? Listen, the thing is, I've seen people entering your position and I've seen how it ended a years later. You're going down a dangerous path and you have no idea. You are at that point where you might be able to stop.

• 57:08Speaker 03

  Okay.

• 57:09Caleb Hammer?

  Just had your overdraft? You are headed into slow season and eventually storm season even worse.

• 57:16Speaker 03

  I mean, I do have backup jobs. Like, I never, like, burn a bridge. So I do have bosses that will take me back.

• 57:21Caleb Hammer?

  I hope so, but I know you guys are in the middle of New Orleans.

• 57:24Speaker 03

  Yeah.

• 57:25Caleb Hammer?

  There's only so much that you can do in your type of industry, backup jobs and all these different things during slow season.

• 57:31Speaker 04

  I plan on going to Florida, like Pensacola, to dance over the summer.

• 57:37Speaker 03

  That's if. That is if she can build trust, which I doubt it.

• 57:40Caleb Hammer?

  Trust with who, you?

• 57:41Speaker 03

  Yeah. She's not going anywhere.

• 57:43Caleb Hammer?

  You're gonna leave your son?

• 57:44Speaker 03

  Oh, she already has. You went on a week. You went. You were gone for like two weeks.

• 57:50Speaker 04

  Uh, I was gone for a week and a half to work and he does spend weekends with my mom and he loves going to his Lolly is what he calls his grandma, but he likes going to her house. So like when he's hanging out with her anyway, I'll go work.

• 58:06Caleb Hammer?

  Yeah, you're talking three months.

• 58:08Speaker 04

  Uh, no, not the whole time. Like, I wouldn't stay out there for a whole three months. Like, Pensacola's, yeah, Pensacola's like

• 58:16Speaker 03

  Three hours?

• 58:18Speaker 04

  Yeah. Like, I can literally go for a weekend and come right back.

• 58:21Caleb Hammer?

  Why go there?

• 58:22Speaker 04

  Because they're busy in the summer.

• 58:24Speaker 03

  Yeah.

• 58:25Speaker 04

  Who doesn't go to Florida in the summer? Well, I mean, some people, but a lot of people don't.

• 58:29Caleb Hammer?

  I thought that's when you shouldn't go, because that's when it's humid and disgusting. But, okay.

• 58:33Speaker 03

  Beaches?

• 58:34Speaker 04

  Yeah.

• 58:34Caleb Hammer?

  Yeah, I mean, get in the water. Cash App sending fifty dollars out, where'd that go?

• 58:38Speaker 03

  To her? Or does it say?

• 58:40Caleb Hammer?

  I don't know.

• 58:40Speaker 04

  No, it's you.

• 58:41Caleb Hammer?

  No, it's blacked out. This is your account, but you sent out fifty dollars.

• 58:44Speaker 03

  Going out or?

• 58:45Caleb Hammer?

  Yes, out.

• 58:46Speaker 03

  I don't know.

• 58:48Caleb Hammer?

  I would never tell you in.

• 58:49Speaker 03

  I don't know. I make a lot of Cash App payments.

• 58:51Caleb Hammer?

  Two for what?

• 58:52Speaker 03

  Sometimes to her, sometimes she'll get her nails done and be like, yo, can you send my nail person?

• 58:57Caleb Hammer?

  Bro, look at those. What the fuck did that cost? Those are shit.

• 59:02Caleb Hammer?

  Good back scratches, but shit.

• 59:04Speaker 04

  They're cunty.

• 59:05Caleb Hammer?

  No.

• 59:06Speaker 04

  Yeah.

• 59:07Caleb Hammer?

  No.

• 59:07Speaker 03

  They're not her best ones. They're not my fave.

• 59:11Caleb Hammer?

  Those nails pick up EBT.

• 59:13Speaker 04

  Okay, short king.

• 59:14Speaker 03

  Fucking weak.

• 59:15Speaker 04

  Anyway.

• 59:16Caleb Hammer?

  I'm five foot nine, the American average. How tall are you?

• 59:18Speaker 04

  Short king.

• 59:19Caleb Hammer?

  I'm a short king. Okay, so what, why would that even matter? See, American average.

• 59:25Speaker 04

  So proud of being average.

• 59:27Caleb Hammer?

  I am proud of being average. Also proud of not having a kid at eighteen.

• 59:30Speaker 04

  Good for you. Anyway, uh, the five. One fifteen.

• 59:35Caleb Hammer?

  No, they were not.

• 59:36Speaker 04

  What's up?

• 59:38Speaker 03

  I'm not paying for them.

• 59:41Caleb Hammer?

  Jimmy John's?

• 59:42Speaker 03

  Yeah, good shit.

• 59:45Caleb Hammer?

  I do like Jimmy John's, but you probably can't afford it.

• 59:47Speaker 03

  I mean, the money was in the account.

• 59:50Caleb Hammer?

  You just overdrafted the other day retard. Literally yesterday. The day before coming on financial audit, you overdrafted, shut up. Cash out about forty dollars Walmart, that tracks with you guys. I don't even know if that was grocery, so it's not really expensive. You went and said I got some bullshit, what are you getting at the gas station?

• 1:00:06Speaker 03

  Probably pizza and a drink.

• 1:00:08Caleb Hammer?

  Gas station, you're getting?

• 1:00:09Speaker 04

  Empanadas.

• 1:00:10Speaker 03

  Yeah, Race Track has great pizza.

• 1:00:12Speaker 04

  They have good empanadas.

• 1:00:14Speaker 03

  They do, thanks.

• 1:00:15Caleb Hammer?

  Am I getting too privileged? Am I getting too privileged for this to like gross me out thinking about?

• 1:00:22Speaker 03

  Yeah, it's good.

• 1:00:25Caleb Hammer?

  Mark? You're poor. Am I getting too privileged?

• 1:00:30Speaker 04

  Why don't you pay him enough? Uh, I don't know.

• 1:00:34Caleb Hammer?

  Okay, a solid I don't know, okay. No, he'll get there someday, Mark, he'll get there someday.

• 1:00:42Speaker 04

  Give that boy a raise.

• 1:00:43Caleb Hammer?

  When he meets his annual review performance, yeah, absolutely.

• 1:00:48Speaker 04

  You got this, Mark.

• 1:00:49Caleb Hammer?

  That's what everyone does now. That boy's pizza, I bet that's actually good pizza.

• 1:00:55Speaker 03

  Eh, I would actually say Race Track is better.

• 1:00:57Caleb Hammer?

  What the is wrong with you?

• 1:00:59Speaker 03

  And that was for our son, like, he likes pizza from there, so it's like this big.

• 1:01:04Caleb Hammer?

  Do we have Race Track near here?

• 1:01:06Speaker 04

  Y'all have like 7-Eleven?

• 1:01:08Caleb Hammer?

  Well, that's everywhere.

• 1:01:10Speaker 03

  It's not, we don't have it.

• 1:01:11Speaker 04

  Yeah, we don't have that.

• 1:01:12Caleb Hammer?

  I guarantee you have a 7-Eleven in the city.

• 1:01:16Speaker 04

  No, not in the city.

• 1:01:18Caleb Hammer?

  Cause I know Race Track, I think we have that in Michigan.

• 1:01:21Speaker 03

  To be fair, y'all's canes out here suck, so could be different pizza out here.

• 1:01:25Caleb Hammer?

  So you guys came to a city with lots of good food and got canes?

• 1:01:29Speaker 04

  It was 3 a.m.

• 1:01:32Speaker 04

  What do you want us to do? Break in?

• 1:01:34Caleb Hammer?

  Yeah.

• 1:01:34Speaker 04

  Okay, I might.

• 1:01:36Caleb Hammer?

  Shit, no, we don't have racetracks. They're up in Dallas.

• 1:01:39Speaker 04

  I like Dallas.

• 1:01:40Caleb Hammer?

  Why?

• 1:01:41Speaker 04

  They have a meow wolf.

• 1:01:42Caleb Hammer?

  Huh?

• 1:01:43Speaker 04

  They have like cool art stuff. They have a meow wolf. There's this place called Rainbow Vomit. That was cool.

• 1:01:48Caleb Hammer?

  Wow, no, you guys surprisingly do not have a 7-Eleven. Okay. Well, never mind. I was gonna get, I was gonna get some racetrack pizza from the post show, but we can't even get that. Cash app out 50 bucks. Again, Walmart, I doubt this grocery. It's probably bullshit. Ebay for $72. Ebay for $11.66. What?

• 1:02:04Speaker 03

  A keychain? It's a Tyranitar keychain.

• 1:02:08Caleb Hammer?

  What? I don't know what that is. Did you just call me a slur?

• 1:02:11Speaker 03

  Oh, yeah. She's got it.

• 1:02:13Speaker 04

  That's him.

• 1:02:14Caleb Hammer?

  It looks like a member of the KKK.

• 1:02:18Speaker 04

  That's crazy.

• 1:02:19Caleb Hammer?

  It doesn't not?

• 1:02:20Speaker 04

  No.

• 1:02:20Caleb Hammer?

  As someone that does not look like Pokemon.

• 1:02:23Speaker 04

  He kinda looks like, um, he looks like Tommy's little dinosaur guy, you know?

• 1:02:29Speaker 03

  Reptar?

• 1:02:29Speaker 04

  Yeah, something like that.

• 1:02:31Caleb Hammer?

  Well, you have a young gravy tattoo, too?

• 1:02:33Speaker 04

  Yeah.

• 1:02:34Speaker 03

  We're not showing that one.

• 1:02:35Caleb Hammer?

  Why?

• 1:02:36Speaker 04

  It's on my ass.

• 1:02:36Speaker 03

  Right under the cheeks.

• 1:02:37Caleb Hammer?

  Right under the cheeks?

• 1:02:38Speaker 03

  Under the cheeks, but cheeks is fat, so.

• 1:02:40Speaker 04

  It's an autograph, too.

• 1:02:42Caleb Hammer?

  By him?

• 1:02:43Speaker 04

  Uh huh.

• 1:02:44Speaker 03

  On a piece of paper.

• 1:02:45Caleb Hammer?

  He did it personally?

• 1:02:46Speaker 04

  He did.

• 1:02:46Caleb Hammer?

  He is a fan of the show, right?

• 1:02:49Speaker 04

  Is he? Hey, baby.

• 1:02:50Speaker 03

  Hey, Ari.

• 1:02:51Caleb Hammer?

  What? What's your alarm for?

• 1:02:52Speaker 04

  Hey, Matt.

• 1:02:53Caleb Hammer?

  Well, look at it in the post show. Behind the paywall.

• 1:02:57Speaker 03

  Okay, period, yeah.

• 1:02:58Speaker 04

  Yeah, period. I was gonna have Baby No Money's name tattooed, but I'm waiting to get his.

• 1:03:04Caleb Hammer?

  Why are you, why, why? Just why those two?

• 1:03:07Speaker 04

  Those are my boys. I love them.

• 1:03:08Caleb Hammer?

  Okay.

• 1:03:09Speaker 04

  I love, Baby No Money's a really great person, and I love how unserious they are.

• 1:03:13Caleb Hammer?

  She fully fell for it. Like, I'm sure he's not a bad person.

• 1:03:16Speaker 04

  Alex is awesome. He is.

• 1:03:17Caleb Hammer?

  I'm sure he's not a bad person.

• 1:03:19Speaker 04

  He's vocal about like issues.

• 1:03:21Caleb Hammer?

  That's why, that's why you fell for it. Cause he just goes on to whatever the next thing is. He just posts about it. Like, I don't hate him at all. Again, he, he wanted to come on the show. We've texted, like, he, he's a good, I, he's probably a good dude. But he's literally like the classic, like, online, like, whatever the next thing is. No, whatever the next thing is, he's an advocate for. So it's like, you just kinda fell for it. Like, you played right into his thing.

• 1:03:43Speaker 04

  And I will every time.

• 1:03:43Caleb Hammer?

  It's good, so keep doing your thing, buddy. You're making money. I appreciate it.

• 1:03:46Speaker 04

  Love you, Alex.

• 1:03:48Caleb Hammer?

  Alta? Okay, you don't?

• 1:03:50Speaker 03

  I self tan. It's a little light right now, but.

• 1:03:54Caleb Hammer?

  In the sun?

• 1:03:55Speaker 03

  No, I, I can't tan. Like I just get sunburned.

• 1:03:59Caleb Hammer?

  Marshalls, new winners had got some bullshit from racetrack again?

• 1:04:03Speaker 03

  Yeah.

• 1:04:03Caleb Hammer?

  You get energy drinks there too?

• 1:04:05Speaker 03

  Yeah.

• 1:04:06Caleb Hammer?

  Okay, no longer.

• 1:04:09Caleb Hammer?

  You are now using Gamer Supps. It is 40 cents a serving. It tastes better. It's really good. It's so good. 40 cents a serving using my discount code, link in the description below. Get your free samples to figure out which flavor you like. And then either get the energy drink version or the electrolytes, non-energy drink version. It's up to you. Zeman melatonin versions as well. Check that out. 40 cents a serving. Make your energy drinks at home, just like your coffee now. That's how many times you go to racetrack. Five Below, PetSmart. Great, we have pets to take care of. Fantastic. Amazon, Walmart.

• 1:04:44Speaker 04

  The rabbits ruined my life too.

• 1:04:46Caleb Hammer?

  Avian and exotic animals, $100.

• 1:04:50Speaker 04

  Yeah, we had to snip them.

• 1:04:51Caleb Hammer?

  Snip what? The rabbits?

• 1:04:52Speaker 04

  Yeah, they had two litters.

• 1:04:55Speaker 03

  Yeah.

• 1:04:55Caleb Hammer?

  Uh, Dick's Sporting Goods, Amazon, bullshit, Up in Smoke again, McDonald's, Raising Canes. You can't say the financial weight of the household is on you and you're just spending it all on literally just pleasuring yourself.

• 1:05:06Speaker 03

  I mean, I buy it for her too.

• 1:05:07Caleb Hammer?

  Raising Canes, which I do not know how a corporate chain like that, even one state away, has such a disparagement. Like, I don't really get that.

• 1:05:14Speaker 03

  The seasoning.

• 1:05:16Caleb Hammer?

  That doesn't make sense. You know that ship from a factory somewhere, right?

• 1:05:19Speaker 04

  No, I'm telling you.

• 1:05:20Caleb Hammer?

  It may have been some shitty workers at 3 a.m. It may have been some shitty workers.

• 1:05:24Speaker 04

  But like, even like.

• 1:05:26Caleb Hammer?

  eBay again, $18.

• 1:05:27Speaker 04

  It was different.

• 1:05:28Caleb Hammer?

  That doesn't make sense. eBay, eBay, $18 again.

• 1:05:35Caleb Hammer?

  Discount Zone, bullshit. eBay, $40. Wingstop?

• 1:05:41Speaker 04

  Ooh, we love Wingstop.

• 1:05:43Caleb Hammer?

  Going in and getting some bullshit. Apple Cash, Cash App, Cash App, Cash App, Cash App. Hundreds of dollars, Up in Smoke.

• 1:05:53Speaker 03

  Drinks.

• 1:05:55Caleb Hammer?

  So get off the strip, go to another strip?

• 1:05:57Speaker 03

  Maybe, yeah.

• 1:05:59Caleb Hammer?

  Why? Strip club, right?

• 1:06:01Speaker 04

  That's where I work.

• 1:06:02Caleb Hammer?

  And then you spent money there where you work again, which how did you not just get a drink?

• 1:06:06Speaker 04

  Why are you looking at me?

• 1:06:08Caleb Hammer?

  Why aren't you allowed to just get a drink?

• 1:06:10Speaker 03

  I just wanted to go like hang out with her.

• 1:06:11Caleb Hammer?

  You go, you're such a fucking, no, you were just afraid she was getting inserted.

• 1:06:17Speaker 03

  I have friends there too.

• 1:06:19Speaker 04

  I have double layer.

• 1:06:20Speaker 03

  Yeah, she does double layer.

• 1:06:22Caleb Hammer?

  What? You don't go naked on the strip?

• 1:06:24Speaker 03

  Hell no.

• 1:06:25Speaker 04

  First of all, it's illegal where we are.

• 1:06:26Caleb Hammer?

  You can't titty out?

• 1:06:28Speaker 04

  No puss.

• 1:06:28Speaker 03

  Titty out.

• 1:06:28Speaker 04

  I mean, I should nip. Nips for tits.

• 1:06:31Caleb Hammer?

  Well, there you go. That's nudity, but okay.

• 1:06:33Speaker 03

  But yeah, she definitely can't do anything.

• 1:06:34Caleb Hammer?

  The one we went to as a hammer squad once was full.

• 1:06:38Speaker 03

  Eesh.

• 1:06:39Caleb Hammer?

  Hello.

• 1:06:40Speaker 04

  Not this Poussoir for free.

• 1:06:42Caleb Hammer?

  It was nice. I like it. But in the lap dances.

• 1:06:45Speaker 04

  No, still no.

• 1:06:46Caleb Hammer?

  Really?

• 1:06:46Speaker 04

  Doubled up.

• 1:06:47Caleb Hammer?

  It's kind of crazy. Also, thank you, chat. At the moment of filming this episode, we just hit 3 million subscribers, CP.

• 1:06:55Caleb Hammer?

  Thank you, chat. Your hand is cold, your hand is hot. That's weird.

• 1:07:00Speaker 04

  Yeah. I have to use dry hands at work.

• 1:07:02Speaker 03

  You just got sweaty ass hands.

• 1:07:04Speaker 04

  Like liquid chalk.

• 1:07:05Caleb Hammer?

  McDonald's, Crawlin's Seafood, getting some bullshit, Raising Canes, Appleville, McDonald's, you can't complain about her. When you're spending all this money, dumbass. Amazon Prime, Discount Zone, where you work again, Amazon, Crawlin's Seafood, I also missed a shit ton up here.

• 1:07:24Speaker 03

  I like seafood.

• 1:07:25Caleb Hammer?

  Quit deep?

• 1:07:27Speaker 03

  Cutie pie.

• 1:07:28Speaker 04

  You okay?

• 1:07:29Speaker 03

  Cutie pie.

• 1:07:29Caleb Hammer?

  Cutie pie boutique and Klarna TikTok shop.

• 1:07:35Speaker 00

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• 1:08:04Caleb Hammer?

  Barna TikTok shop, exotic animal thing again. For one, going in, getting some bullshit. This is insane. It still goes on. You're a problem. You're gonna hold back the entire relationship because your parents have spoiled your entire life. I don't think you're being slaved. I don't think you know what the you're talking about. Okay, at that point, you just demand a lot. You just demand a lot and you can't accept any progress that's been done. It doesn't make any sense. And you're not doing enough, most likely, but even still, continue making that progress. But this bullshit at the beginning, like, I wanted to come on because my girlfriend treats me like a slave. No.

• 1:08:39Speaker 03

  I agreed to be here. I didn't sign us up.

• 1:08:41Caleb Hammer?

  Uh huh. That's the note I had. Yeah, exactly. Cheesecake Factory, hundred bucks, walk-ons, Hulu Plus, Jimmy John's, Cash App 27, Cash App 50, Cash App 50, Domino's, Chegg Study, going to eat some bullshit, getting some bullshit.

• 1:09:02Speaker 04

  She didn't even know about Chegg.

• 1:09:03Speaker 03

  Yeah, I gotta cancel that. Chegg, it's like, uh, it basically helps you, like, do your homework and stuff.

• 1:09:10Caleb Hammer?

  Cheating.

• 1:09:10Speaker 03

  Yeah, we're not gonna call it that. I don't cheat.

• 1:09:14Caleb Hammer?

  Of course not.

• 1:09:15Speaker 03

  It just helps me do my homework.

• 1:09:16Caleb Hammer?

  Uh huh.

• 1:09:17Speaker 04

  Yeah.

• 1:09:18Caleb Hammer?

  The Break Room, DoorDash, Dash Pass, Taco Bell, Clarny TikTok Shop, getting some bullshit, Apple Bill, bullshit, Ghost City Tours, Uber, Discount Zone, bullshit, bullshit, Henry's Esquera. Oh, this keeps going. Dedan Decour.

• 1:09:40Speaker 04

  Down Decatur.

• 1:09:41Caleb Hammer?

  Decatur.

• 1:09:42Speaker 04

  Yeah. That was, uh, like our little voodoo shit.

• 1:09:45Speaker 03

  We did go out.

• 1:09:47Speaker 04

  Marilla Bo shit.

• 1:09:48Speaker 03

  A cute date.

• 1:09:49Caleb Hammer?

  So as many of you know, I've been a big supporter of course careers for a long time. I'm not just a partner. I actually own stock and I'm an investor. So why did I partner with course careers? Because I truly believe in what they're doing. A lot of people have questions about online certifications versus traditional college degrees. Let me be clear. I wouldn't put my name behind something unless I knew it worked. The thing is, not everyone has the time or Resources to spend four years in college or take on massive student loan debt. Course Careers offers a practical, affordable way to launch a career in a high demand field like tech sales, IT, and accounting, where companies are hiring based on the skills needed, not broad college degrees. In fact, right now, one in three companies are dropping degree requirements, and that number is only going to continue to grow.

• 1:10:34Caleb Hammer?

  I know some people think online programs are a quick fix, but that's not the case here. Course Careers takes effort and commitment, but they provide you with a streamlined, proven path. They offer up-to-date, self-paced courses, one-on-one or group coaching from people that work in the industry, and most importantly, they help you actually get hired. Just look at graduates like Namesso, who went from driving FedEx trucks to a cybersecurity job at Disney. That didn't happen by chance. He put in the work and Course Careers guided him every step of the way. And what truly sets Course Careers apart is that it's not just about learning skills, but landing a job. Their curriculum is designed based on what employers actually need, and their network of industry coaches will guide you through

• 1:11:15Caleb Hammer?

  the entire process, from learning the skills to interviewing, resume help, and beyond. So if you're serious about starting a new career without wasting years or piling up debt, give Course Careers a try. Start with their free intro course, linked in the description to explore your options. And when you're ready, use the link in the description for $50 off the full course. Your future starts right now, and Course Careers is here to help you shape it. Hammer Elite is the best YouTube membership on the platform, and I just upgraded it. Three exclusive dedicated shows every single day, Monday through Friday. Join with the link in the pinned comment or description below. This is the best membership you'll ever join. That's a promise.

• 1:11:56Caleb Hammer?

  Do you texter this shit too?

• 1:11:57Speaker 04

  I mean, text.

• 1:11:58Caleb Hammer?

  I need more and all this stuff.

• 1:12:00Speaker 04

  Oh, no.

• 1:12:00Caleb Hammer?

  Your little fights?

• 1:12:01Speaker 04

  We're always together.

• 1:12:02Speaker 03

  Yeah, we're always together.

• 1:12:03Caleb Hammer?

  I'm gonna review that in the post-show. We'll see. Reverend Zombie House, guys, you spent so much money. R.A. Shop, going into bullshit, Raising Cans, bullshit, bullshit, Vet, PetSmart, Walmart, but I think bullshit, Crawlin Seafood, Pok-

• 1:12:22Speaker 04

  Pokéola. That's a Pokemon shop.

• 1:12:24Caleb Hammer?

  $48? $48? You don't have money. You just overdressed for the first time yesterday. Fuck you. The theater, bullshit, theater, bullshit, bullshit, Up and Smoke, bullshit, JJ Seafood, Sally Beauty, Tootie Tootie Frozen. Raising Kids, Klarna, ATM withdrawal, forty bucks, who knows where that went? Thank, that's done, that's insane.

• 1:12:44Speaker 03

  Klarna's paid off.

• 1:12:45Caleb Hammer?

  I am surprised, congratulations, it took four payments. Glad that happened automatically, without any self-restraint.

• 1:12:51Speaker 03

  Paid off like nine hundred.

• 1:12:51Caleb Hammer?

  And then you just overdrafted yesterday.

• 1:12:53Speaker 03

  It's-

• 1:12:53Caleb Hammer?

  So shut the f- up.

• 1:12:54Speaker 03

  Had the money, though.

• 1:12:55Caleb Hammer?

  I'm surprised that is your first time.

• 1:12:58Caleb Hammer?

  Okay, now all the debts are yours, which means you have an altar card.

• 1:13:02Speaker 04

  I do.

• 1:13:03Caleb Hammer?

  What's going on with this?

• 1:13:04Speaker 04

  Um, I opened it, mm, twenty, twenty-two-ish, something like that. It was the first card that gave me like a big credit limit, which they never should have.

• 1:13:19Caleb Hammer?

  They, no, you, you never should have signed up for, of course they want to, they're making money, what are you talking about?

• 1:13:24Speaker 04

  Um, it was like a five thousand dollar limit when I opened it, they dropped that. What? What is what?

• 1:13:31Caleb Hammer?

  What's in your purse right now?

• 1:13:33Speaker 04

  Oh, do you want some?

• 1:13:38Caleb Hammer?

  What is that?

• 1:13:40Speaker 03

  What do you think it is?

• 1:13:42Caleb Hammer?

  I'm actually thinking sugar, from the look at it from here.

• 1:13:43Speaker 04

  It's salt. To clean my tongue.

• 1:13:47Speaker 03

  She just likes to pull it out as a joke.

• 1:13:50Caleb Hammer?

  Okay.

• 1:13:52Speaker 03

  Speaking of, I know you hate this, but can I go to the bathroom?

• 1:13:55Caleb Hammer?

  No. One thousand eight hundred seventy-three dollars, sixty-nine cents, so sixty-five dollar minimum payment.

• 1:14:00Speaker 04

  You got bedpans?

• 1:14:03Caleb Hammer?

  This takes eight years to pay off.

• 1:14:05Speaker 03

  Oh.

• 1:14:05Speaker 04

  I pay more than the minimum.

• 1:14:07Caleb Hammer?

  A little bit, but we'll see how long you can, while debt is going up other places, like, yes, you can in a month, it's like, we'll see. Thirty point nine percent, no, no, no, most of the interest is, okay, twenty-six, and then some is at thirty.

• 1:14:22Caleb Hammer?

  It's insane.

• 1:14:23Speaker 04

  Dollars?

• 1:14:24Caleb Hammer?

  Percent interest.

• 1:14:25Speaker 03

  Yeah, baby.

• 1:14:26Caleb Hammer?

  Okay, you have a Freedom Card, what's going on with this? You're spending money on this? Spending money on an interest-agreeing card that you do not fully pay off, it takes two years if you don't spend.

• 1:14:35Speaker 04

  Yeah, um, that has my Amazon Prime subscription, and so like every time we like rent or buy a movie, it goes on there.

• 1:14:45Caleb Hammer?

  Thanks, how much you pay off the cards? And use the checking account? Listen, I'll let you use the My Card, debit card that builds credit, I'll allow that, I'll get you both this course career certification when you make no money with your bachelor degrees.

• 1:14:56Speaker 04

  Okay.

• 1:14:56Caleb Hammer?

  There's people in the audience have used them to get six-figure jobs. Yeah, are you in that now?

• 1:15:01Speaker 04

  No, I mean, right there.

• 1:15:02Caleb Hammer?

  Exactly, you.

• 1:15:05Caleb Hammer?

  I'll hear it when I hear it. Amazon, Amazon Prime, Prime, Prime, Prime.

• 1:15:08Speaker 03

  Yeah.

• 1:15:09Caleb Hammer?

  Someone, do you have a shared Amazon account?

• 1:15:11Speaker 03

  No.

• 1:15:12Caleb Hammer?

  Pull up your Amazons.

• 1:15:13Speaker 03

  Fine.

• 1:15:14Caleb Hammer?

  Eighty dollars and fees!

• 1:15:15Speaker 03

  Wait, do you want like?

• 1:15:17Caleb Hammer?

  Fees!

• 1:15:17Speaker 03

  Okay.

• 1:15:18Caleb Hammer?

  You've had late fees this year. Two.

• 1:15:21Speaker 03

  Yeah.

• 1:15:21Caleb Hammer?

  Yeah, I pay, I pay more, I pay more. Then next account, two late fees this year so far, three months in. You, you've missed two out of three.

• 1:15:29Speaker 03

  You're [bleep] that. I'm screaming, my bad.

• 1:15:31Caleb Hammer?

  Do you not care about that?

• 1:15:33Speaker 03

  I care.

• 1:15:35Caleb Hammer?

  She's had two of the three months late this year.

• 1:15:38Speaker 03

  Are you actually? That purse is cute.

• 1:15:39Caleb Hammer?

  Yes!

• 1:15:41Speaker 03

  She's talking about the damn purse.

• 1:15:43Caleb Hammer?

  Yes, do we not give a shit?

• 1:15:44Speaker 03

  I mean, obviously, but that's...

• 1:15:46Caleb Hammer?

  Then what are you gonna do? What are you gonna do? That's your, that's your wife, that's your almost wife. You were about to be her [bleep] wife. You don't give a shit, are you guys gonna combine accounts? Were you going to combine accounts?

• 1:15:57Speaker 03

  I don't, she wants to combine accounts, I've kind of been against it.

• 1:16:02Caleb Hammer?

  What? Four hundred, twenty-nine dollar couch?

• 1:16:04Speaker 03

  We're moving out.

• 1:16:06Caleb Hammer?

  You can't afford that, go to Facebook Marketplace. You don't have money, you don't have...

• 1:16:10Speaker 03

  We actually have a couch.

• 1:16:11Caleb Hammer?

  Well, there you go.

• 1:16:11Speaker 03

  She just doesn't like it.

• 1:16:12Caleb Hammer?

  I don't give a shit, you have dogs.

• 1:16:14Speaker 03

  I don't.

• 1:16:14Caleb Hammer?

  Don't you? Okay, [bleep] off, you don't have money.

• 1:16:17Speaker 03

  It was a free couch.

• 1:16:18Caleb Hammer?

  Exercise mat, don't have money. Ah, kink bed frame, you don't have money, sleep on a mattress, you poor mother [bleep]. Become not poor by not being dumbasses. You guys actually make six figures a year combined.

• 1:16:31Speaker 03

  Yeah, like, we're not poor.

• 1:16:33Caleb Hammer?

  Yes, you are, that's what I'm trying to say. You don't need to be, you shouldn't be.

• 1:16:37Speaker 03

  I'm not asking people for money, I have the money.

• 1:16:40Caleb Hammer?

  No, you don't, you overdrafted yesterday, are you [bleep]?

• 1:16:43Speaker 03

  Money went back onto the card, though.

• 1:16:45Caleb Hammer?

  Yes, no shit, after you overdrafted, you don't have money. I just saw you checking the account, ain't doubt, shut up! Analyst charging cables, a dumbass purse, clothes for days, carpet cleaner, that one's actually fine, metal top feeder for rabbits, okay, I'll accept, Lego floating shelves for your [bleep] Lego bullshit, [bleep] you, it's stupid, blankets you don't need it, dog pee pads, why do we have that? Is that for the rabbits?

• 1:17:08Speaker 03

  Yeah.

• 1:17:10Caleb Hammer?

  You need a clipboard folder?

• 1:17:11Speaker 03

  I do.

• 1:17:12Caleb Hammer?

  You need multiple clipboard folders? You need a thousand clipboard folders and notebooks? You need that fucking Pokemon backpack? No.

• 1:17:18Speaker 03

  I got a different one.

• 1:17:19Caleb Hammer?

  Shut the fuck up! Spray things? Flexible tripod? What are you doing?

• 1:17:23Speaker 03

  Hmm, when you like to know.

• 1:17:25Caleb Hammer?

  Yes, what are you doing?

• 1:17:26Speaker 03

  I actually don't know why that's in there.

• 1:17:29Caleb Hammer?

  You purchased it for twenty dollars?

• 1:17:30Speaker 03

  I didn't buy it.

• 1:17:31Speaker 04

  No, it's in the cart.

• 1:17:33Speaker 03

  It's in the cart.

• 1:17:34Caleb Hammer?

  Oh, I'm looking at the cart?

• 1:17:35Speaker 03

  Oh, you want my purchases?

• 1:17:36Caleb Hammer?

  So this is for the OF?

• 1:17:37Speaker 03

  Maybe.

• 1:17:38Caleb Hammer?

  Are you guys, so you're actively doing this?

• 1:17:39Speaker 03

  No, we're not actively doing it.

• 1:17:41Caleb Hammer?

  But you're buying it for it?

• 1:17:42Speaker 03

  Been a conversation for a long time.

• 1:17:43Caleb Hammer?

  So you guys are doing it? You guys are going to do it?

• 1:17:44Speaker 04

  We're talking about doing it.

• 1:17:46Caleb Hammer?

  And where do you stand on this?

• 1:17:47Speaker 03

  We've been talking about it for like a year.

• 1:17:49Caleb Hammer?

  What are, where do we, where's our opinions?

• 1:17:51Speaker 03

  I need more trust in the relationship. I don't know.

• 1:17:55Caleb Hammer?

  For what?

• 1:17:55Speaker 04

  Do you want me to get out of my cart?

• 1:17:56Caleb Hammer?

  I don't think you'll ever get trust, though.

• 1:18:00Caleb Hammer?

  From both ends, I don't think she's ever gonna do what's required. And I also don't think, I think your goalpost will always move. So I don't think you're ever gonna have it.

• 1:18:07Speaker 03

  I mean, we did have it. Until like-

• 1:18:09Caleb Hammer?

  Until what?

• 1:18:10Speaker 03

  The lying's been more recent, but-

• 1:18:11Caleb Hammer?

  Yeah, lying, I mean, you were cheating, essentially. You were doing something behind the back that the boundary who said no.

• 1:18:21Caleb Hammer?

  Yes.

• 1:18:22Speaker 03

  Okay. And you ask her why, and like, you can't even get an answer for it.

• 1:18:25Speaker 04

  I don't like hard copies.

• 1:18:27Caleb Hammer?

  And all this bullshit in your purchases, it's so stupid. You have thirty three, three things in your cart?

• 1:18:36Speaker 04

  Being abused.

• 1:18:37Caleb Hammer?

  Legos in her carts? Okay, you have a bottom trillion Legos in your carts and stupid shit.

• 1:18:41Speaker 04

  In the cart, though.

• 1:18:42Caleb Hammer?

  Let me see your purchases, shut the fuck up.

• 1:18:44Speaker 04

  Okay.

• 1:18:45Caleb Hammer?

  This is bullshit.

• 1:18:47Speaker 04

  Okay, the t-shirt was for our son's, uh, school fair thing.

• 1:18:52Caleb Hammer?

  Beats. Bullshit, you just endlessly get-

• 1:18:54Speaker 04

  I go to gym, I need to have-

• 1:18:56Caleb Hammer?

  It's just stacked with bullshit, this is so stupid. What a waste of money. Your entire life is a joke. Okay, what is this? True Accord? I'm standing at an amount of two seventy-seven. I don't know what this is for.

• 1:19:08Speaker 04

  Uh, that's my Klarna. It's in collection.

• 1:19:11Caleb Hammer?

  Oh!

• 1:19:13Speaker 04

  Yeah. I, it was so long ago, though, I forgot what it was for.

• 1:19:19Caleb Hammer?

  You're, it couldn't have been that long ago.

• 1:19:21Speaker 04

  I don't know.

• 1:19:22Caleb Hammer?

  Two hundred seventy-seven dollars and seven cents. How'd you even get approved for this apartment?

• 1:19:26Speaker 04

  My credit score isn't that bad.

• 1:19:28Caleb Hammer?

  What's your credit score?

• 1:19:28Speaker 04

  It's like six seventy something. I have credit karma?

• 1:19:32Caleb Hammer?

  Mid.

• 1:19:32Speaker 04

  You wanna look at it? I actually got an email yesterday that my score went up.

• 1:19:37Caleb Hammer?

  What's your score?

• 1:19:38Speaker 03

  I don't have a credit score.

• 1:19:39Caleb Hammer?

  You just opened a credit card?

• 1:19:40Speaker 03

  I just opened it, but I don't have.

• 1:19:42Caleb Hammer?

  You put that much on a credit card? You just opened?

• 1:19:44Speaker 03

  Yeah.

• 1:19:45Caleb Hammer?

  It's so stupid. Okay, what's this? A firm, right?

• 1:19:49Speaker 04

  Is that me?

• 1:19:50Speaker 03

  Yeah, I don't have a firm.

• 1:19:52Caleb Hammer?

  Klarna. Your Klarna.

• 1:19:53Speaker 03

  My Klarna.

• 1:19:54Caleb Hammer?

  Ebay's over and over and over again. Now you paid it off, but it's just still, it's money you are spending. Set of your future. Ebay, Ebay, Ebay, Ebay, Ebay, Ebay. Then your new credit card.

• 1:20:04Speaker 03

  Yeah.

• 1:20:05Caleb Hammer?

  Was the 2,000, brought it down to 400, but even still, it's aggressive, it is interest accruing, it is bad.

• 1:20:12Speaker 03

  Not for 15 months.

• 1:20:13Caleb Hammer?

  Oh, my. What's your minimum? Probably like 25.

• 1:20:17Speaker 03

  I don't know. It's set up on auto.

• 1:20:21Speaker 04

  Ethical.

• 1:20:22Speaker 03

  No, obviously not.

• 1:20:24Caleb Hammer?

  She makes minimums and she's gonna get so, she's headed down that path.

• 1:20:27Speaker 03

  I don't make minimums. I've been paying it off.

• 1:20:28Caleb Hammer?

  A little more, but even still, you're not paying off the balance, which is the only excuse. The only way you are allowed to take out of balance is if you pay it off.

• 1:20:37Caleb Hammer?

  What? What do you want?

• 1:20:39Speaker 03

  I just opened that card. I put it on there and now it's already down to 400. I feel like that's pretty good.

• 1:20:43Caleb Hammer?

  But it's not down to zero. You cannot purchase things on a credit card. This is, it just shows how the behavior is gonna go into the interest accruing, period.

• 1:20:51Caleb Hammer?

  You cannot open a credit card if you cannot fully pay it off. That is the entire way.

• 1:20:54Speaker 03

  When the interest?

• 1:20:55Caleb Hammer?

  I, I, no, I would just put like gas on it once a month and pay it off immediately. That's what I would do.

• 1:21:01Speaker 04

  30%.

• 1:21:03Caleb Hammer?

  It will be.

• 1:21:03Speaker 03

  Isn't that the goal?

• 1:21:05Caleb Hammer?

  What? No! Cause this is gonna be accruing interest. You wanna be under that. No, no, no, no, no. Shut the up. You wanna be under that or else it's a credit.

• 1:21:13Speaker 03

  Okay, fine.

• 1:21:14Caleb Hammer?

  But you can still keep it at $0. You'll be fine. Just spend gas once a month on there.

• 1:21:19Speaker 03

  Okay.

• 1:21:20Caleb Hammer?

  What? What is your issue?

• 1:21:22Speaker 03

  And that was self-control.

• 1:21:24Caleb Hammer?

  Then you shouldn't have access to the abilities to spend money you don't have.

• 1:21:31Caleb Hammer?

  There you go. Take away the tools.

• 1:21:35Caleb Hammer?

  Discover it. Almost paid off.

• 1:21:38Speaker 04

  Yeah.

• 1:21:40Speaker 04

  That one's on auto pay for the full balance.

• 1:21:42Caleb Hammer?

  I'm gonna cross it off. Yeah, I see. But it's still money you do not have that you're just purchasing and it's on the bullshit that I just saw. Prime Video, Etsy, Prime Video, Prime, Prime, Prime, Prime, Amazon Prime. This is stupid. Yes.

• 1:21:57Speaker 03

  Is that not the one that our kid was spending?

• 1:22:00Speaker 04

  I thought those were on the Chase.

• 1:22:02Caleb Hammer?

  No, you have no idea what's going on. Ever about anything.

• 1:22:07Speaker 04

  That's crazy.

• 1:22:12Speaker 04

  Do I pay for two?

• 1:22:14Speaker 03

  Two what? Amazon accounts?

• 1:22:16Speaker 04

  Yeah. Cause are there ones? Only?

• 1:22:21Caleb Hammer?

  Chase Auto, what is this? At a 12.74% interest rate. What's your car?

• 1:22:26Speaker 04

  My new car.

• 1:22:27Caleb Hammer?

  New car. What did you get?

• 1:22:28Speaker 04

  I have two cars.

• 1:22:29Caleb Hammer?

  What did you get?

• 1:22:30Speaker 04

  I got a 2025 Chevy Trax.

• 1:22:32Caleb Hammer?

  Why? $33,129.97. Always the strippers that get a car they can't afford. $679. Going into the slow season, your income fluctuates way too much. And it's already worth only 21,000. You're underwater by 12,000 that you just got on a car. You're underwater by 12,000.

• 1:22:50Speaker 04

  Well, my other car had like some-

• 1:22:53Caleb Hammer?

  Doesn't matter. Give them 10,000 hour car. Something. You don't even know what it was or what the cost would have been.

• 1:22:57Speaker 04

  I'm a girl. No, I don't know.

• 1:22:58Caleb Hammer?

  Take it to someone that does.

• 1:23:02Caleb Hammer?

  Bring the Bush one with you.

• 1:23:04Speaker 03

  God damn. Masks. Mask lesbian. I'm not Butch or Dyke or any of those other things.

• 1:23:12Caleb Hammer?

  I wouldn't call you that.

• 1:23:13Speaker 03

  It's just a little offensive. I'm not Butch.

• 1:23:19Caleb Hammer?

  You can cry to her about it later.

• 1:23:21Speaker 03

  Like if I looked like you, it'd be Butch.

• 1:23:23Caleb Hammer?

  Yeah, yeah. No, bear.

• 1:23:24Speaker 03

  No, no, that's a gay man.

• 1:23:26Caleb Hammer?

  Exactly. I'm a man. If he looks like me, it'd be a bear. No, you don't know what twink means. Twink is skinny.

• 1:23:33Speaker 04

  You don't have to be skinny to be a twink.

• 1:23:36Caleb Hammer?

  Yes, you do. Yes, you do.

• 1:23:38Speaker 03

  Oh, he's saying yeah.

• 1:23:40Caleb Hammer?

  Yeah, trust the gay.

• 1:23:41Speaker 03

  Fine, fine.

• 1:23:42Caleb Hammer?

  You don't know what you're talking about.

• 1:23:43Speaker 03

  You're lucky you have one of those.

• 1:23:44Speaker 04

  Whatever.

• 1:23:45Caleb Hammer?

  Yeah, no, no, bear. Chunkers. Yes, bear.

• 1:23:48Speaker 04

  I always thought of it like a-

• 1:23:50Caleb Hammer?

  What am I?

• 1:23:51Speaker 04

  He's not a bear.

• 1:23:52Caleb Hammer?

  Put me into something. Put me into a category.

• 1:23:54Speaker 03

  A tubby custard.

• 1:23:57Caleb Hammer?

  It would be like

• 1:23:58Speaker 04

  A chubby twink.

• 1:23:59Caleb Hammer?

  Cub bear. Cub bear, cub bear.

• 1:24:01Speaker 03

  A little cub.

• 1:24:02Caleb Hammer?

  Little transition cub, cub.

• 1:24:03Speaker 03

  Whatever.

• 1:24:04Caleb Hammer?

  What cub?

• 1:24:06Speaker 04

  Put those away.

• 1:24:07Speaker 03

  I know, right?

• 1:24:07Caleb Hammer?

  What?

• 1:24:08Speaker 03

  Your whiskers.

• 1:24:10Caleb Hammer?

  You don't like them?

• 1:24:11Speaker 03

  No, I'm a lesbian.

• 1:24:13Caleb Hammer?

  You don't like them?

• 1:24:14Speaker 04

  Uh, no.

• 1:24:15Caleb Hammer?

  You're a bitch.

• 1:24:15Speaker 03

  She likes them to look like babies.

• 1:24:17Caleb Hammer?

  You like what, huh?

• 1:24:18Speaker 04

  I don't, I don't, it like gives like brush.

• 1:24:20Speaker 03

  It's like a trim or something.

• 1:24:21Caleb Hammer?

  Huh?

• 1:24:22Speaker 04

  I don't like her lips hair either.

• 1:24:24Speaker 03

  I do shave.

• 1:24:25Speaker 04

  Yeah.

• 1:24:26Caleb Hammer?

  Okay, dude, this is a minimum monthly payment that in the slow season terrifies me of $679.61.

• 1:24:34Speaker 04

  And I do still pay my other car too. So I'm paying like almost a thousand dollars a month.

• 1:24:42Caleb Hammer?

  What?

• 1:24:43Speaker 04

  Cars. Okay, I was by my, um, like, salesperson.

• 1:24:48Caleb Hammer?

  Oh, shut the up. You don't get by a salesperson.

• 1:24:51Speaker 04

  No.

• 1:24:51Caleb Hammer?

  You fell into getting sold.

• 1:24:53Speaker 03

  A

• 1:24:54Speaker 04

  But he convinced me for whatever reason.

• 1:24:56Caleb Hammer?

  What do you think a salesperson is?

• 1:24:58Speaker 04

  Not trade in my other car.

• 1:25:01Caleb Hammer?

  Salesperson, why are you listening to a salesperson?

• 1:25:03Speaker 04

  Uh, because what do I know? I'm a girl, Caleb. I'm just a girl.

• 1:25:07Caleb Hammer?

  So, girls are congratulations on the day we hit.

• 1:25:10Speaker 04

  I'm a youngo.

• 1:25:11Caleb Hammer?

  Today, because of your logic, on May, no, no, no. March 26th is National something, I don't know, payday. You know what that means?

• 1:25:21Speaker 03

  No.

• 1:25:22Caleb Hammer?

  This is for the last calendar year, apparently, for the math that what men made from January 1st to January 1st. You guys now finally made from January 1st of last year to now. It took you an extra three months to catch up and you're advocating for that because you're saying women are don't deserve money.

• 1:25:38Speaker 04

  I don't think women are

• 1:25:40Caleb Hammer?

  Well, you own 70 cents on the dollar because of you. You're bringing down your entire marketplace.

• 1:25:46Speaker 04

  I'm sorry, girls.

• 1:25:47Caleb Hammer?

  I'm just a girl is an excuse for everything. Fuck you. Your fault.

• 1:25:52Speaker 04

  No, not on your birthday.

• 1:25:52Caleb Hammer?

  And I'm happy you cost less. Unfortunately, it requires your family keeping you at a job, even though you're not qualified for it and you'd be fired if your family wasn't there. So what are you on this old car?

• 1:26:03Speaker 04

  I think it's like 7,000.

• 1:26:07Caleb Hammer?

  Oh, next page. Oh, it's this. It's the one on.

• 1:26:09Speaker 04

  Ooh, it's under seven.

• 1:26:13Caleb Hammer?

  Oh, you guys deserve to get it. Six thousand, seven hundred, seven dollars at a 10.46% interest rate.

• 1:26:19Speaker 03

  Are you not Jewish?

• 1:26:20Caleb Hammer?

  Huh?

• 1:26:21Speaker 03

  Are you Jewish?

• 1:26:22Caleb Hammer?

  No.

• 1:26:22Speaker 03

  So you can make that joke?

• 1:26:23Speaker 04

  You look like a-

• 1:26:24Caleb Hammer?

  I can make jokes about anything I want. Whether or not someone chooses to be a friend it.

• 1:26:28Speaker 03

  Period.

• 1:26:28Caleb Hammer?

  Huh?

• 1:26:29Speaker 04

  You look like a small and wide little Dicky.

• 1:26:31Caleb Hammer?

  What's a little Dicky?

• 1:26:33Speaker 04

  You know, my little Dicky? Hi, I'm Dave.

• 1:26:36Caleb Hammer?

  Huh?

• 1:26:37Speaker 04

  You know, white crime, shit like that.

• 1:26:39Caleb Hammer?

  Is it L I L Dicky?

• 1:26:40Speaker 04

  Yeah.

• 1:26:42Caleb Hammer?

  How do you spell Dicky?

• 1:26:43Speaker 04

  With a Y. Dick Y.

• 1:26:46Caleb Hammer?

  Uh, really? I mean, he's like full, like Afro. It's a perm.

• 1:26:51Speaker 03

  Okay. Oh.

• 1:26:54Speaker 03

  I love that you claim it, though.

• 1:26:55Speaker 04

  That's a choice.

• 1:26:55Speaker 03

  Good for you.

• 1:26:56Caleb Hammer?

  Yeah, I don't care. Why? Does it not look good?

• 1:26:58Speaker 03

  It's a little fallen.

• 1:26:59Caleb Hammer?

  Yeah, yeah, I don't know. It's time to re-perm.

• 1:27:02Speaker 00

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• 1:27:31Caleb Hammer?

  Today didn't work out very well. It was actually kind of weird. But like, I don't know what happened, but-

• 1:27:35Speaker 04

  That's also not good for your hair.

• 1:27:38Caleb Hammer?

  It's okay. I take finesse, right? I'm fine.

• 1:27:42Speaker 03

  Trying to see the hairline?

• 1:27:44Caleb Hammer?

  It's fine. I got a big forehead, but hairline's good.

• 1:27:46Speaker 03

  Yeah, it's pretty good.

• 1:27:47Caleb Hammer?

  Yeah. No, I'm not Jewish.

• 1:27:49Speaker 03

  Okay.

• 1:27:50Caleb Hammer?

  Would you care if I was?

• 1:27:51Speaker 03

  No, I'd feel better that you made the joke.

• 1:27:53Speaker 04

  I actually have a friend who loves a Jew.

• 1:27:55Speaker 03

  Oh, yeah, we do.

• 1:27:56Speaker 04

  I would have put her on.

• 1:27:58Caleb Hammer?

  $358 a month, so that's on top of your previous car payment. You have a child. Why'd you get this car so expensive? It's so stupid.

• 1:28:07Speaker 04

  So that I can safely drive in places.

• 1:28:09Caleb Hammer?

  What? Do you think every car before 2025 was immediately you get in it and you die?

• 1:28:16Speaker 04

  No.

• 1:28:16Caleb Hammer?

  You're a stripper.

• 1:28:17Speaker 04

  Okay, but also I'm not good at taking care of cars and this one comes with the app. So it tells me when I have to take care of it.

• 1:28:25Speaker 03

  I'm fully.

• 1:28:27Caleb Hammer?

  That ever born.

• 1:28:28Speaker 03

  Not engaged.

• 1:28:29Speaker 04

  It'll tell me. It tells me when I need oil change.

• 1:28:33Caleb Hammer?

  Okay.

• 1:28:33Speaker 04

  It tells me my tire pressure.

• 1:28:35Speaker 03

  Helpless.

• 1:28:36Caleb Hammer?

  Literally.

• 1:28:36Speaker 04

  It tells me stuff.

• 1:28:37Caleb Hammer?

  Literally go yourself. In Minecraft and not like literally.

• 1:28:44Speaker 04

  I actually die in Minecraft a lot. I don't play anymore.

• 1:28:47Caleb Hammer?

  It's a kid's game.

• 1:28:48Speaker 04

  I don't have the dexterity.

• 1:28:50Caleb Hammer?

  Dexterity? It's a kid's game.

• 1:28:52Speaker 04

  Yeah. I'm good at Mario.

• 1:28:55Caleb Hammer?

  You're a D and a broken individual. Okay, you have thirty nine thousand hours of situlans.

• 1:28:59Speaker 04

  Hmm.

• 1:29:01Caleb Hammer?

  Twenty nine thousand hours of situlans.

• 1:29:02Speaker 04

  Oh, really?

• 1:29:04Caleb Hammer?

  That's not good. You're not done. Twenty nine thousand eight hundred sixty five dollars. Your minimum three games is gonna be like two hundred fifty bucks. Three hundred bucks, three, three hundred fifty bucks.

• 1:29:18Caleb Hammer?

  On top of all your other debt that you really can't pay off. So does that mean this Chase checking account is yours? Three hundred twenty nine? Well, better than her.

• 1:29:25Speaker 04

  I don't have a checking. Oh, with Chase. I don't have a checking with Chase.

• 1:29:28Caleb Hammer?

  So you have two?

• 1:29:29Speaker 03

  Yeah.

• 1:29:30Caleb Hammer?

  What the?

• 1:29:31Speaker 03

  Well, I keep one like.

• 1:29:32Caleb Hammer?

  Went from two hundred to three hundred. Yep, E. It's transferring things back and forth.

• 1:29:35Speaker 03

  Yeah.

• 1:29:36Caleb Hammer?

  And you had an overdraft fee actually the other day. So not even just yesterday. So you've actually had multiple overdraft fees. So you actually have no idea what you're talking about. So shut the up. Do not defend your financial position in any way whatsoever. You're broken. You have no idea what's happening. You're broken. You have no idea what's happening. Shut up.

• 1:29:51Speaker 04

  Mm hmm. That's me.

• 1:29:55Caleb Hammer?

  Okay. You have like a thousand different accounts. I don't fully understand why.

• 1:29:59Speaker 04

  So one of them, I have a sub account for.

• 1:30:03Caleb Hammer?

  What? I'm so confused how you're the one that is doing better. Like a kind of, I mean, you have more debt and the car is Do you actually have 7,000 in savings?

• 1:30:12Speaker 04

  Yeah, well, that is

• 1:30:14Caleb Hammer?

  How is the literal one doing better than you?

• 1:30:17Speaker 03

  Cause that's for her kid.

• 1:30:18Speaker 04

  Part of that is like already like put to aside because I pay, so my mom, like I said, she pays like half of his tuition. So 5,000 of that next year is going straight to his tuition.

• 1:30:32Caleb Hammer?

  Tattoo supply, real, uh, Skin USA, nails, Amazon, Amazon, go getting fucking, uh, vending machine bullshit, Amazon bullshit, Amazon, Amazon, bullshit. Uh, where you work, discount zone. Do you think we have one of those here? Unless they use that name for a lot of places. Is it a chain?

• 1:30:53Speaker 04

  Yeah, it is.

• 1:30:55Caleb Hammer?

  Okay. Never been, but I've driven past it. Avian and exotic animals again. So you guys go there every second of your life. Vaping, Chinese, Cash App, Cash App, up in smoke again. Bullshit, going to work, Amazon, up in smoke. Fucking the boutique again and withdraw and withdraw. Yeah, withdrawing 679. Who knows where that went? Vaping, Cash App, Cash App.

• 1:31:22Speaker 04

  That sounds like it was my car.

• 1:31:22Caleb Hammer?

  Cherry kitten, Apple Cash. Oh, okay. Starbucks bullshit, nails again.

• 1:31:29Speaker 04

  Well, that's part of my

• 1:31:30Caleb Hammer?

  Ideal Market, bull bullshit, Cash App out, Uber Eats, you don't have money.

• 1:31:36Speaker 04

  I think that was

• 1:31:36Caleb Hammer?

  But no, uh, parking, I think, Cash App, Cash App, Apple Bill, vaping, uh, Southern Images.

• 1:31:45Speaker 04

  Uh, that was my son's school pictures.

• 1:31:50Caleb Hammer?

  Don't start an OnlyFans.

• 1:31:51Speaker 04

  Why?

• 1:31:52Caleb Hammer?

  Cause your kids' friends will find it.

• 1:31:55Speaker 04

  Okay.

• 1:31:56Caleb Hammer?

  At some point, it's gonna be very embarrassing. And one of, one of you are more, and one of you are, would be decent to masturbate to, and you do not want your son's friends to masturbate to.

• 1:32:07Speaker 03

  To be fair, you have not seen me when I'm at work bartending.

• 1:32:11Speaker 04

  Body is tea.

• 1:32:14Speaker 04

  That waste is ridiculous.

• 1:32:16Caleb Hammer?

  Are we gonna budget as a household or independently? Cause we should do as a household at this point, guys.

• 1:32:20Speaker 03

  I think so, yeah.

• 1:32:21Caleb Hammer?

  Okay, so household income.

• 1:32:25Caleb Hammer?

  Okay, let's get your debt and empty payments.

• 1:32:28Speaker 04

  I am, um, I did, I did get a planner for it.

• 1:32:36Caleb Hammer?

  Good, proud of you.

• 1:32:37Speaker 04

  It was free, too.

• 1:32:39Caleb Hammer?

  Wonderful.

• 1:32:42Speaker 04

  That's where I was.

• 1:32:43Caleb Hammer?

  How many guys are you texting like this? How many guys does she texting like this?

• 1:32:46Speaker 04

  Two and a half.

• 1:32:47Speaker 03

  Three.

• 1:32:49Caleb Hammer?

  What is in a half?

• 1:32:49Speaker 03

  Two and a half.

• 1:32:50Speaker 04

  One of them's kind of falling off a little bit.

• 1:32:53Caleb Hammer?

  Why?

• 1:32:55Speaker 03

  I mean, they all live far away.

• 1:32:57Speaker 04

  Yeah, they do.

• 1:32:58Caleb Hammer?

  So he fell off or you fell off? Why are you texting them? If you're not getting anything, why are you texting them?

• 1:33:03Speaker 04

  Companionshipy?

• 1:33:05Speaker 03

  Oh, wait, what the f- what do you mean?

• 1:33:08Speaker 04

  What do you mean? You read the text.

• 1:33:10Caleb Hammer?

  Okay, we'll continue that in the post-show. I'm gonna look at all of them. Here we go. Okay, what's your rent?

• 1:33:16Speaker 03

  Fourteen.

• 1:33:17Speaker 04

  Oh.

• 1:33:18Caleb Hammer?

  New rent?

• 1:33:18Speaker 04

  The soon to be rent, right?

• 1:33:19Caleb Hammer?

  Utilities estimated, well, let's say like-

• 1:33:22Speaker 03

  It's included.

• 1:33:23Caleb Hammer?

  Okay, is that including the internet? Gas and electricity?

• 1:33:25Speaker 03

  Yeah.

• 1:33:26Caleb Hammer?

  Good. Okay, debt and empty payments, one thousand one hundred sixty-seven dollars and sixty-one cents. Student loans will go on top of that unless you go to grad school, but then even knows, who knows what we're doing? Phone bill?

• 1:33:36Speaker 04

  Mine's like seventy-one.

• 1:33:38Caleb Hammer?

  Okay.

• 1:33:38Speaker 03

  Mine's paid for.

• 1:33:40Caleb Hammer?

  Okay, seventy-one. Gas, vroom, vroom, drive, drive?

• 1:33:45Speaker 03

  I would put it high up there because we both drive to school.

• 1:33:48Caleb Hammer?

  Well, tell me where high up there is.

• 1:33:49Speaker 04

  Maybe fifty a week for me.

• 1:33:52Caleb Hammer?

  Okay, so two hundred for you.

• 1:33:53Speaker 03

  Yeah, let's just put it at that as well.

• 1:33:55Caleb Hammer?

  How much for car insurance?

• 1:33:57Speaker 04

  I pay mine, uh, six months in full, so...

• 1:34:01Caleb Hammer?

  What is it?

• 1:34:02Speaker 04

  I think it's like fourteen for the six months.

• 1:34:07Caleb Hammer?

  Okay, two thirty-three, you?

• 1:34:08Speaker 03

  Mine's taken care of.

• 1:34:10Caleb Hammer?

  I don't understand how you're f- all this up. You are the issue.

• 1:34:12Speaker 03

  I, yeah.

• 1:34:13Caleb Hammer?

  Kind of. I mean, you're getting worse. So two thirty-three a month for you, two thirty-four, we'll call it. Groceries, huh, kidding everything. We should be able to do about eight hundred, follow the meal plan, they gotta do meal prep, it's pretty good, so it's, you're okay. TP phone, anything else for you guys? Survive? Tampons, morning, after, all that good stuff, two hundred fifty?

• 1:34:31Speaker 03

  Eighty dollars for the rabbits.

• 1:34:33Caleb Hammer?

  For, okay, yeah, I'll put that in the pad, okay. Eighty dollars for rabbits.

• 1:34:39Caleb Hammer?

  Medical healthcare, their copays and shit on a monthly basis?

• 1:34:42Speaker 04

  Uh, I do get sick a lot. They're probably like 20 bucks.

• 1:34:45Caleb Hammer?

  Okay, 20 bucks. Subscriptions, I'll put 50. Uh, okay, anything else that needs to be in this budget? I need to know now.

• 1:34:53Speaker 04

  My nails and hair? Like maintenance?

• 1:34:56Caleb Hammer?

  Oddly enough, actually, it might be justified for your work.

• 1:35:01Caleb Hammer?

  Okay, so here's the thing. I'll give you a thousand dollars for whatever. Are you a contractor?

• 1:35:08Speaker 04

  What do you mean?

• 1:35:09Caleb Hammer?

  Okay, go [bleep] in Minecraft.

• 1:35:11Speaker 04

  Oh, I am, I am a, yeah, I'm.

• 1:35:13Caleb Hammer?

  I'm giving you a thousand dollars for whatever. You put it towards fun, you put it for anything, it doesn't matter. And yet, even still with that, you have an extra 5,000 dollars left. So be easy. You guys just control your spending. You guys are absolute [bleep] morons. Seventy-two thousand, eight hundred forty-five dollars and sixty-five cents. Yeah, it is. You guys are stupid of even needing to be on this show. Minus student loans, forty-two thousand, minus, okay, let's just call it, uh, forty-two thousand dollars of what's left. Five thousand dollars, literally takes eight and a half months. And you get a fully funded emergency fund? Call that an extra eight months or whatever. A year and a half, you guys have a fully funded six-month emergency fund? And everything, and then you save up for retirement, you guys will be fine. That was the easiest [bleep] in the world.

• 1:35:54Caleb Hammer?

  Shut up, you guys are [bleep] morons. Just control your spending and budget. Budget together. Shut the [bleep] up, children. We'll get back into that crazy shit and go through everything that's going on in the post-show. So make sure you stick around for that. But let's get the Hammer Financial Score first together. Spending in a budget over, uh, zero out of 10 because you overspent. Debt, there's collections, zero out of 10. Emergency fund, but that's savings for the kids. Okay, there was like, uh, 2,000, also additional 2,000, so two out of 10. Retirement, I didn't see anything, zero out of 10. Real estate, zero out of 10. Need to start saving for retirement now. In a year and a half, you'll be able to. And you'll be able to actually have a pretty good retirement together. So Hammer Financial Score. 0.5 out of 10. Get yours at CalebHammer.com. Join Hammer Elite by clicking that join button.

• 1:36:37Caleb Hammer?

  Join us for an extra 20 minutes of this and the Financial Autopost Show and three premium shows posted every single day, six days a week. See you guys there and thanks for 3 million subs. Bye bye. At the end of that conversation, you said, "No, for emotional and extra shit." Yeah, what the fuck do you mean by that?

• 1:36:51Speaker 04

  I mean, not emotional.

• 1:36:52Caleb Hammer?

  Please go into it. Tell, because she's not happy about this.

• 1:36:55Speaker 04

  We've had those talks.

• 1:36:56Caleb Hammer?

  What are you getting out of this?

• 1:36:57Speaker 04

  I like to flirt.

• 1:36:58Caleb Hammer?

  So you want to watch him jack off?

• 1:36:59Speaker 04

  I like to look at it.

• 1:37:00Caleb Hammer?

  Hammer Elite is the best YouTube membership on the platform and I just upgraded it. Three exclusive dedicated shows every single day, Monday through Friday. Join with the link in the pinned comment or description below. This is the best membership you'll ever join. That's a promise.

• 1:37:18Speaker 01

  Now, more than ever, we need someone on our side. But Rob Whitman? Whitman's votes drove up costs, cut Medicaid and risked 350,000 Virginians' healthcare to pay for tax breaks for himself and his donors. He's not on our side. Shannon Taylor will fight corruption, cut taxes and bring down costs. This November, vote for Shannon Taylor. She's for us. Paid for by HMP, the House Majority PAC dot com. Not authorized by any candidate or candidate's committee.