Racist B*tch Has $0.02 To Her Name | Financial Audit

💰 Download Dollarwise- 6.0 Is Now *LIVE* - Big Deals, New Features, Free Trial: https://bit.ly/46fiDYP *I CALLED HER DAD* - She owes him $35,000, and he is PISSED- he wants his money back *NOW* : ➡️ https://bit.ly/chpostshow 👉 FOLLOW TYLER: https://www.twitch.tv/iamlindo ============================= 👉 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 ============================= *Sponsors for This Video* ============================= Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78 You’re 30 seconds away from being debt free with PDS Debt. Get your free assessment and find the best option for you at https://PDSDebt.com/hammer ============================= *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 01:16 Job & Income 06:40 She Is All Over The Place lol 11:45 "The Numbers Always Number" 18:00 Caleb's Patience Is Being TESTED So Hard 25:43 Shoutout To Joshua 27:10 Numbers Are Numbering Again lol 29:35 She's A F*cking Red Flag 36:13 YIIIKESS 43:30 Let's Get Back To Numbers Numbering 47:00 WE CALL THE EX-BOYFRIEND 54:35 Ah Yes, Shut Down A Well Performing Business 01:01:30 God Bless Caleb 01:08:30 Shoutout Santana 01:17:20 She's The Absolute Worst 01:25:57 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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• 0:31Speaker 01

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• 0:59Caleb Hammer?

  To watch episodes of Financial Audit a week earlier, check us out on YouTube. That doesn't matter. You're not budgeting from that. Your expenditure isn't changing.

• 1:06Speaker 03

  What is an expenditure?

• 1:11Caleb Hammer?

  Whoa.

• 1:12Speaker 03

  Like how much I spend them up?

• 1:13Caleb Hammer?

  My fu-

• 1:17Caleb Hammer?

  You want to get with this guy? Because the day after you left, he brought another girl into your guys' apartment.

• 1:23Speaker 03

  She was chopped.

• 1:24Caleb Hammer?

  You know what this Christian white girl who lives in Texas means when she says she's chopped? It means she's black.

• 1:29Speaker 03

  Stop.

• 1:30Caleb Hammer?

  You immediately went in there and put the girl's toothbrush in the toilet?

• 1:34Speaker 03

  Okay.

• 1:34Caleb Hammer?

  And then he wrote cheater on the mirror? You are delusional.

• 1:40Caleb Hammer?

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• 2:14Speaker 03

  Hi, I'm Delilah. I'm 22 years old and I'm from Dallas, Texas. And this is Financial Audit.

• 2:20Caleb Hammer?

  Thanks for coming down. Bubbly personality. I love that. Oh, wow. Yeah, giggles and all.

• 2:26Speaker 03

  Yeah.

• 2:26Caleb Hammer?

  Okay, good. Well, I hope there's some intelligence behind those giggles. Let's find out. What do you do in Dallas, 22?

• 2:34Speaker 03

  I'm a dog groomer.

• 2:37Speaker 03

  I groom dogs.

• 2:38Caleb Hammer?

  Dog groomer, okay.

• 2:39Speaker 03

  I get dogs haircuts.

• 2:40Caleb Hammer?

  Okay, okay, very good.

• 2:42Speaker 03

  Yeah, I'm a dog groomer.

• 2:43Caleb Hammer?

  Okay, cool. What do you make doing that?

• 2:46Speaker 03

  Well, I make 60% commission and then I make $19 an hour. And then I get paid bi-weekly.

• 2:51Caleb Hammer?

  Okay.

• 2:52Speaker 03

  But it like, it, it's different every week.

• 2:56Caleb Hammer?

  Sure, but it likely averages out relatively monthly-ish.

• 3:02Speaker 03

  I don't, I don't really think so. I don't think there's a good average. Because like some paychecks are like 19, but then other paychecks are like 12 and then some are 15.

• 3:10Caleb Hammer?

  12,000?

• 3:11Speaker 03

  Like 1,200. But I don't really, I haven't seen a $2,000 paycheck. Well, I've seen a couple.

• 3:17Caleb Hammer?

  No, no, no, no, no, no, no, no. On the height, what do you see on the high end?

• 3:22Speaker 03

  Yeah, like 19. I've seen a couple $2,000.

• 3:25Caleb Hammer?

  19's on the high end?

• 3:26Speaker 03

  For right now, for right now.

• 3:28Caleb Hammer?

  Dallas ain't cheap.

• 3:29Speaker 03

  Yeah, but I'm doing, I mean, I'm doing good.

• 3:31Caleb Hammer?

  It would be well, and 22. I mean, for 22, it might be okay, but listen, if that's on the high end, I'm a little concerned if we're not getting a degree in something, you know, which we might be doing in 22.

• 3:42Speaker 03

  Oh, no.

• 3:43Caleb Hammer?

  Okay.

• 3:44Speaker 03

  No, I'm not doing a degree. But I have, I have a license in animal grooming. I'm a licensed professional pet groomer.

• 3:51Caleb Hammer?

  So that's where my concerns stems from is like, for Dallas, now I'm making a ton of money and this is kind of like where you're gonna be.

• 4:00Speaker 03

  Forever. Yeah, I love Texas. Yeah.

• 4:03Caleb Hammer?

  That's not what I meant. I meant income.

• 4:04Speaker 03

  Oh, no, no, no, no, no, no, no, no. This is temporary income.

• 4:07Caleb Hammer?

  Why is this temporary?

• 4:09Speaker 03

  I had to build my own clientele when it came, like when I got there. So like I started from zero. So my paycheck-

• 4:14Caleb Hammer?

  You don't get assigned random people?

• 4:16Speaker 03

  What do you mean?

• 4:17Caleb Hammer?

  Do you get assigned random people at this groomer?

• 4:18Speaker 03

  What does that mean? Like people call and book an appointment. I'm like a hairdresser, but for dogs.

• 4:23Caleb Hammer?

  So they have to specifically pick you?

• 4:25Speaker 03

  Well, yeah. Well, well, obviously.

• 4:27Caleb Hammer?

  If they're like, I don't know who I just want to groom me and you don't get like assigned?

• 4:31Speaker 03

  I'm the only groomer there.

• 4:32Caleb Hammer?

  Oh.

• 4:32Speaker 03

  Yeah, I'm the only groomer there. Not enough people have been calling. So right now I'm at like three dogs a day consistently.

• 4:38Caleb Hammer?

  Then why are you working there?

• 4:40Speaker 03

  Because it's a really good opportunity for me.

• 4:43Caleb Hammer?

  Is it?

• 4:44Speaker 03

  Yeah, well, yeah.

• 4:44Caleb Hammer?

  Aren't calling?

• 4:45Speaker 03

  But people, no, people are calling. So-

• 4:47Caleb Hammer?

  You said people aren't calling.

• 4:48Speaker 03

  Well, let me get there. I was gonna say it. So when I first started, I was bringing home like $500 a paycheck. Like the paychecks were really low because this place had just opened. They had a really terrible groomer. So they had like not that many grooming clients coming in. So when I came in-

• 5:03Caleb Hammer?

  So you're turning around the business for $2,000 on the high end? Actually, you haven't hit that too.

• 5:08Speaker 03

  But it's, it's, it's like a, think of the business part. You're a business like runner, right? Yeah. So like when you first open a business-

• 5:15Caleb Hammer?

  And not making much and also it's not your business.

• 5:17Speaker 03

  I know, but it's temporary because it's gonna get me-

• 5:21Caleb Hammer?

  What's it gonna get you?

• 5:22Speaker 03

  It's gonna, it's just kinda like, you know, holding me over until I'm making more money.

• 5:28Caleb Hammer?

  So is this plan of making more money what you plan to do to apparently get your ex back? Because that's what I see you're trying to do. Cause you're literally just trying to get your shit together to win your ex back. I don't know if literally never making a two on your paycheck is gonna do that.

• 5:48Speaker 03

  I'm telling you, it's getting bigger. The paychecks have like, some are lower and some are higher.

• 5:52Caleb Hammer?

  Average it out. You can't tell me it's getting bigger because you can't track a average.

• 5:55Speaker 03

  But I can because my first couple-

• 5:57Caleb Hammer?

  Tell me what the average is, cause that's what I asked.

• 5:59Speaker 03

  I'm here like 15.

• 5:59Caleb Hammer?

  Five minutes ago.

• 6:00Speaker 03

  Like 1,500.

• 6:02Caleb Hammer?

  So that's an actual answer. That's what I- That's what I asked.

• 6:06Speaker 03

  Well, yeah, but it's

• 6:07Caleb Hammer?

  Come on, that's what I asked. What was it? Three, four, five minutes ago?

• 6:11Speaker 03

  But it's just been changing constantly. So I feel like I can't really give an average. Okay.

• 6:16Caleb Hammer?

  Right?

• 6:17Speaker 03

  I'm

• 6:17Caleb Hammer?

  Or is it not?

• 6:18Speaker 03

  Well, I don't know, though.

• 6:19Caleb Hammer?

  Girl, I literally need a

• 6:21Speaker 03

  Average it ever.

• 6:22Caleb Hammer?

  Real number for me to make the rest of this conversation in the math at the end of it when I make the budget.

• 6:29Speaker 03

  Okay, so let's go with 15. Let's go with 15 because that's 3,000 a month, right? Yeah, but I think I need more than that for my month, like for my

• 6:37Caleb Hammer?

  Yeah, probably.

• 6:39Speaker 03

  I make more than 3,000, obviously, but that's an average. That's why I'm saying like, we can't really No.

• 6:48Speaker 03

  It makes sense in my head. It makes sense.

• 6:51Caleb Hammer?

  Oh, it makes sense in your head. That's good.

• 6:53Speaker 03

  Yeah, and the number

• 6:54Caleb Hammer?

  Can you translate what the is in your head to words so I can understand it in my head?

• 6:59Speaker 03

  Let's say if I'm only bringing in 1,200 on the first paycheck, then I just know that I need to like, post a video or something and get more people to call.

• 7:07Caleb Hammer?

  Video?

• 7:07Speaker 03

  Well, yeah, because I do social media.

• 7:09Caleb Hammer?

  How many people view these videos?

• 7:12Speaker 03

  Like 30, roughly.

• 7:13Caleb Hammer?

  So how are they getting more calls?

• 7:15Speaker 03

  When I post them, it like, I post them obviously public. So people go out and I post them on Instagram, TikTok and Facebook.

• 7:22Caleb Hammer?

  Posting them private? That's good.

• 7:23Speaker 03

  Well, yeah. Well, yeah, obviously, but like I'll post them and then when I'm posting videos consistently, I get more calls because people are like, oh, I saw your cute little video on Instagram. Like, can you do that haircut to my dog? And I'm like, absolutely. Come on in.

• 7:37Caleb Hammer?

  You're not doing that only when you're

• 7:39Speaker 03

  Well, no, I am. I am doing that.

• 7:40Caleb Hammer?

  Only when you're like, I'll make a couple of extra dollars.

• 7:42Speaker 03

  No, no, no, I am doing that.

• 7:44Caleb Hammer?

  You just said if you make a $1,200 check and you're about to miss your

• 7:47Speaker 03

  I was just saying that as an example.

• 7:48Caleb Hammer?

  You're just saying it. How about, didn't you just tell me the reality instead of just saying?

• 7:52Speaker 03

  But that is the reality. Like if my paycheck is smaller.

• 7:55Caleb Hammer?

  Low, then your paycheck is low because you're not posting enough. So post more.

• 7:58Speaker 03

  Well, yeah, I mean, I post almost every day.

• 8:00Caleb Hammer?

  Then that logic doesn't make sense. You said if the paycheck is low, then you end up posting more.

• 8:06Speaker 03

  Yeah, more.

• 8:06Caleb Hammer?

  So why not post more at all times? So the paycheck is never low? If that is directly correlated, of which I am kind of convinced it is not.

• 8:15Speaker 03

  Sometimes I get busy.

• 8:16Caleb Hammer?

  And again, this is supposed to apparently win your ex back?

• 8:19Speaker 03

  No, no, I was just kind of hoping you would be like, hey, you should totally take her back. She's a great person. My finances really are terrible. I think they're not.

• 8:28Caleb Hammer?

  Girl, you're on financial audit. That's literally impossible. Just a fair warning. That is literally impossible. You do not get to this table of the however many apply a day, way too many.

• 8:38Speaker 03

  I know. And they called me the day after I applied.

• 8:41Caleb Hammer?

  I am, yeah.

• 8:43Speaker 03

  I applied for shits and giggles. I really didn't think I was good.

• 8:46Caleb Hammer?

  And we pick the ones that look like shit. You are that. So in fact, if you had me call him right now, I would say, one, she's two, her finances were bad enough to be on financial audit. What, what, what, even still, if I'm calling him and being like, oh, her finances are good. Take her back. Is that what is gonna make him come back? Your finances being good?

• 9:10Speaker 03

  I don't know. I don't know. I don't really know.

• 9:13Caleb Hammer?

  What are you trying to do?

• 9:15Speaker 03

  I'm trying to get him back.

• 9:16Caleb Hammer?

  How am I helping with this?

• 9:18Speaker 03

  Look into the camera and be like, take her back.

• 9:22Caleb Hammer?

  You have given me no reason to do so.

• 9:25Speaker 03

  I'm like, I'm like fun though. Like I'm

• 9:27Caleb Hammer?

  What about your finances?

• 9:29Speaker 03

  They're, they're pretty good. They're all right.

• 9:31Caleb Hammer?

  Objectively not, lady.

• 9:33Speaker 03

  But I'm young, like, I'm young.

• 9:35Caleb Hammer?

  So doesn't mean they're good all of a sudden? Is it all the time?

• 9:39Speaker 03

  I mean, you don't have a lot of paperwork.

• 9:40Caleb Hammer?

  Cause you defer the rest of the shit onto documents, onto credit cards, onto bullshit.

• 9:45Speaker 03

  I only have one.

• 9:46Caleb Hammer?

  Doesn't matter when it's going up and it's basically maxed out. It literally doesn't matter. At 22, you're just lucky enough to not have accumulated more openings of credit cards. Because given your behavior and where you're at financially right now, you'd be in double or triple or quadruple the debt you're in. So 22, no, you're not good for your age. People might have at your age or lots of student loans, maybe a car loan. Doesn't mean Max our credit card doesn't mean finances around the board and deferring extra things onto credit cards and other loans and other debts for the sake of us being able to pay rent. That doesn't mean you're able to pay rent when you brag and say you're able to pay rent. You're deferring other shit onto debts. You're still not able to afford life when debts are going up because you're deferring shit onto them

• 10:30Caleb Hammer?

  in order to pay that rent.

• 10:33Speaker 03

  But I am though.

• 10:34Caleb Hammer?

  What do you mean you am though?

• 10:35Speaker 03

  Like my bills are paid.

• 10:37Caleb Hammer?

  What do you am though?

• 10:37Speaker 03

  Like I have food on my table.

• 10:38Caleb Hammer?

  My bills are paid. Your bills are paid. You're putting more on your credit card than you're putting towards it. You're, this is so stupid. You don't know what you're talking about. You cannot sit here and actually say that. And in no way would I ever advocate for him to get back to you if this was the kind of shit he was dealing with to have left you in the first place.

• 10:52Speaker 03

  No, I left him in the first place.

• 10:53Caleb Hammer?

  Then why would he not get back with you?

• 10:55Speaker 03

  Well, he did get back with me and we gave it a try like a couple of weeks ago and then.

• 11:00Caleb Hammer?

  A couple of weeks ago? They're high schoolers.

• 11:03Speaker 03

  But then we went, but then we went no contact again like a week or so ago because.

• 11:07Caleb Hammer?

  Okay, so one week of contact, one week of none.

• 11:10Speaker 03

  Well, like two weeks of contact and one week of none.

• 11:15Speaker 03

  What? Why are you looking at me like that?

• 11:17Caleb Hammer?

  Cause you're.

• 11:19Speaker 03

  Am I delusional?

• 11:20Caleb Hammer?

  You're not smart.

• 11:23Caleb Hammer?

  You're not very bright.

• 11:26Speaker 03

  I'm smart about some things.

• 11:28Caleb Hammer?

  I don't, I haven't seen that yet. You're bubbly. You're, that's it. You're bubbly. Which is fun. Um, uh, okay.

• 11:38Speaker 03

  I think I'm brave.

• 11:39Caleb Hammer?

  What are we trying to do here? I'll get, I'll, at the end, I'll, I'll give him a call and I'll let him know what I think if that's a part. But what are we doing here?

• 11:49Speaker 03

  Call him anymore.

• 11:50Caleb Hammer?

  Uh, I don't care. What are we doing?

• 11:53Speaker 03

  Um, honestly, I don't know. I wasn't really kind of expecting to do anything about my finances and. Well, because I'm not really that bad. Like I was just kind of thinking like.

• 12:03Caleb Hammer?

  You're on financial audit. You didn't expect to do anything regarding finance. No, that's not the point. Oh, you, what do you want to do financially? What do you want things to look like? What am I here to work on with you and your finances, moron?

• 12:21Speaker 03

  Um.

• 12:24Speaker 03

  Um, I don't know. I guess to pay everything off and like make my finances better.

• 12:31Speaker 03

  I mean, right?

• 12:32Caleb Hammer?

  Why aren't you doing that yourself in the first place?

• 12:35Speaker 03

  Oh, well, because like I said, like my bills are getting paid and like even with all my spending like

• 12:39Caleb Hammer?

  Dude, you're just a repeat copy and paste.

• 12:42Speaker 03

  Of what? Of myself?

• 12:43Caleb Hammer?

  Yourself? Yes!

• 12:45Speaker 03

  No, I'm not. No. Well, because you're not getting it though is the thing. Like I, the numbers always number. Even when I do the budget.

• 12:52Caleb Hammer?

  The numbers always number?

• 12:52Speaker 03

  Yeah, because my, my rent's always paid.

• 12:55Caleb Hammer?

  I think, I, I would, I, I would love her to draw this out for me.

• 12:58Speaker 03

  Yeah.

• 12:58Caleb Hammer?

  Please.

• 12:59Speaker 03

  I got this. My rent's always paid, my electric is always paid.

• 13:02Caleb Hammer?

  Okay, pause, you're gonna do it like, in a drawing, okay?

• 13:05Speaker 03

  And then I like so-

• 13:05Caleb Hammer?

  Girl, in a drawing, you moron. Oh my gosh.

• 13:09Speaker 03

  Okay, okay. What do you want me to draw?

• 13:10Caleb Hammer?

  What you've been trying to apparently say for the last few minutes.

• 13:14Speaker 03

  Okay, um.

• 13:15Caleb Hammer?

  Help me visualize it. I'm a visual learner.

• 13:18Speaker 03

  Okay, um, I don't know how you want me to do this.

• 13:22Caleb Hammer?

  Oh my, you were excited about it because I thought you were gonna be able to do it because I thought maybe...

• 13:27Speaker 03

  No, I was not excited about this.

• 13:29Caleb Hammer?

  What? Did you not see your reaction?

• 13:31Speaker 03

  Yeah, I was panicked. I was like, no, what are you-

• 13:35Caleb Hammer?

  Explain to me what the you're saying.

• 13:37Speaker 03

  Well, I don't, um, well, like, okay, so I get money, right? I get a paycheck, right? And then, like, I go-

• 13:47Caleb Hammer?

  So that's a paycheck?

• 13:48Speaker 03

  Okay, that's a paycheck, right?

• 13:50Caleb Hammer?

  Okay, that, okay, gotcha. I'm following along.

• 13:53Speaker 03

  And then let's, let's say like, I take, I, well, I don't really know what to say here. I don't know what to do right now. I get a paycheck and then, like, let's say this is my first paycheck of the month, right? So I'll take like half of my bills and then until my next paycheck, I'll just kind of-

• 14:11Caleb Hammer?

  Hey, visualize it, please, because you're literally just saying shit.

• 14:16Speaker 03

  Let's say half of my bills is like, I don't really, why, I mean, I know what it is, but we're like-

• 14:21Caleb Hammer?

  Oh my god, you can't, you can't be real. This world- Ladies and gentlemen, these are the people you work with, you live next to, you sit next to on the bus or in class or grew up with. Ladies and-

• 14:35Speaker 03

  I have a nice car.

• 14:37Caleb Hammer?

  More data, I assume? Continue. How would you actually put it on the fucking line?

• 14:42Speaker 03

  Okay, so I get, I get a paycheck, right? So let's say half of my bills is like $750.

• 14:48Caleb Hammer?

  Is it?

• 14:48Speaker 03

  No.

• 14:49Caleb Hammer?

  Is it? You're, that, no, don't- Give me an example that's not real.

• 14:53Speaker 03

  Well, well.

• 14:54Caleb Hammer?

  Don't give me an example that's not real. Give me the reality. You're trying to tell me how this works. You said, I pay the bills, my pay is what I pay.

• 15:01Speaker 03

  Because, so I would have, but for my brain, like to be able to actually.

• 15:04Caleb Hammer?

  Your brain, your brain, your brain. I'm just telling you to explain literally what happens. Your brain, I don't care about your brain.

• 15:12Speaker 03

  To do that. I'm trying to do that.

• 15:14Caleb Hammer?

  But you said, let's say the bills are.

• 15:16Speaker 03

  I can't tell. Okay. Can I pull my notebook out? Cause this is where the actual numbers will come in and I can explain it. Can I, can I do that?

• 15:23Caleb Hammer?

  No, I want to actually see if you're able to, if you're able to actually speak on this, actually.

• 15:27Speaker 03

  Let me, let me start over. Okay. So let's say when I, when I talked with Lindsay, I pulled up the example of I had a paycheck. Well, I had a budget that I did for like 2,000.

• 15:36Caleb Hammer?

  You did a budget.

• 15:37Speaker 03

  Yeah. In my notebook, like when I got.

• 15:39Caleb Hammer?

  2,000.

• 15:40Speaker 03

  And like something, I think it was like 2,040 something dollars. So let's say 2,040.

• 15:46Caleb Hammer?

  For the month of the paycheck.

• 15:48Speaker 03

  Well, the paycheck hit. And so that was what was in my savings account.

• 15:51Caleb Hammer?

  You budgeted based on the exact amount that hit, not like a, oh.

• 15:55Speaker 03

  Well, because the exact amount that hit is like.

• 15:59Caleb Hammer?

  Your budget should be consistent and you might just have extra money or tight money.

• 16:03Speaker 03

  Yes.

• 16:03Caleb Hammer?

  And we decided with that.

• 16:04Speaker 03

  Yes.

• 16:05Caleb Hammer?

  Then how are you budgeting based on this paycheck?

• 16:07Speaker 03

  Because the paycheck is different every time. So.

• 16:10Caleb Hammer?

  That's what I just said. I just said that. I just said that. But your budget should be consistent based on.

• 16:15Speaker 03

  It is. The numbers are always the same. I take, I pay my like.

• 16:18Caleb Hammer?

  Then why does it matter? Why do you have to budget off a 2,040 instead of?

• 16:22Speaker 03

  It's a different number that I'm budgeting from every month because the number is different every month.

• 16:29Caleb Hammer?

  Oh no, but I just said, but your expenditure should be the same. So that does not matter. That doesn't matter. You're not budgeting from that. Your expenditure isn't changing.

• 16:38Speaker 03

  What is an expenditure?

• 16:44Speaker 03

  Like how much I spend a month?

• 16:51Caleb Hammer?

  Oh ladies and gentlemen, this is gonna be a difficult one. What? What?

• 16:54Speaker 03

  Is that how much I spend a month? What's an expenditure?

• 16:56Caleb Hammer?

  Yes, out, out. Let's call it out. Yes, spending.

• 16:58Speaker 03

  Oh.

• 16:59Caleb Hammer?

  Let's say that.

• 16:59Speaker 03

  Okay.

• 17:00Caleb Hammer?

  Expend.

• 17:01Speaker 03

  Yeah, yeah, yeah, yeah. Oh, I'm following. Okay, so yeah, that all doesn't change. But the number that I have to work with money-wise changes weekly.

• 17:13Caleb Hammer?

  Okay, continue now.

• 17:14Speaker 03

  Okay, so, for example, I got two-

• 17:17Caleb Hammer?

  Example?

• 17:18Speaker 03

  I had $2,040 in my savings account, right?

• 17:21Caleb Hammer?

  Savings?

• 17:22Speaker 03

  Yeah. Well, because my paycheck goes into my savings account and then when I swipe my debit card, it goes, it overdraft protections from my savings to my checking.

• 17:37Speaker 03

  So like technically my-

• 17:38Caleb Hammer?

  I'm not laughing with you, I'm laughing at you.

• 17:41Speaker 03

  So technically my checking is always at zero. I think it's at zero right now. Well technically, I guess it's overdrafted all the time, but because of the overdraft protection, it just keeps it at zero. And just pulls the money from my savings. So my savings is, yeah, yeah, so my bills get paid from my savings.

• 18:03Speaker 03

  I have $500 cash from Christmas that my grandma gave me and that's, that's like my real savings. So if like the bills aren't paid, okay.

• 18:18Speaker 03

  So if the bills aren't paid, I'll just like go put a hundred dollar bill in the bank from my grandma from Christmas and then my electric is paid.

• 18:29Speaker 03

  The number is always a number at the end of the month.

• 18:33Speaker 03

  I'm telling you, my electric's always paid.

• 18:35Caleb Hammer?

  The number's always number.

• 18:37Speaker 03

  Yeah.

• 18:37Caleb Hammer?

  I've heard that. Okay, so, okay, $2,040 is in the savings.

• 18:43Speaker 03

  So, yes. So like, maybe my paycheck wasn't 2,040, but, sorry, my feet are over there. Sorry. Um, so like, but if I get like a $1,700 paycheck and then like whatever-

• 18:56Caleb Hammer?

  Your paycheck was 2,040. Tell me what happens now.

• 19:00Speaker 03

  Sorry, I was just going off the hands. Okay, so now I'll take half of all my bills. So like I pay-

• 19:05Caleb Hammer?

  Half of all your bills?

• 19:06Speaker 03

  Well, yeah, because I get two paychecks a month.

• 19:10Speaker 03

  So, well, depending on the due date of the bills, because some bills are gonna be due before my next paycheck, so I have to put the whole number there. So, okay, let me just keep going. So, I take a hun- I do fifty dollars a week for groceries. So, I'll take a hundred dollars out for groceries, food. Then I do about seventy-five dollars in gas every two weeks. So, I'll take that. And then I tithe ten percent of my paycheck. So, I'll tithe two hundred and four dollars.

• 19:38Caleb Hammer?

  You make no money, you're tithing ten percent?

• 19:40Speaker 03

  Yes, and that's a non-negotiable. I'm not changing that, ever. And I even tithe, like, I got a return from my car when I crashed my car, and I tied ten percent on that.

• 19:50Caleb Hammer?

  Huh?

• 19:51Speaker 03

  Yeah.

• 19:52Caleb Hammer?

  You what? Wait, what?

• 19:53Speaker 03

  I crashed my car in November. So, when I got the insurance check for it, I ended up getting a check for like five or six thousand dollars. And I tied ten percent on it, because I was really praying that I would only get enough money to pay my car off. And then I ended up getting like five or six thousand.

• 20:09Caleb Hammer?

  I'm not saying you can't, I'm not saying you can't. It's like, yeah, fine, whatever your religious belief is, that's okay.

• 20:14Speaker 03

  I know, so...

• 20:17Caleb Hammer?

  Stop for a second. You've been, you've been controlling the airflow of this conversation. Listen for a moment. Not, stop writing, cuz I don't know what that is. You just, okay, that's the timing.

• 20:26Speaker 03

  Yeah.

• 20:27Caleb Hammer?

  But the mathematical reality when it comes to giving any charity or to any religious organization, if you actually get this taken care of and get yourself on a better financial footing, you will be able to give a larger number over the course of your life than if you're giving just a little bit right now. That is a reality. That happens at every time for any charitable donations, for any income situation. So, yes, I would pause that now, temporarily, and give more. Recoup later. Give, give, give what you lost later.

• 20:58Speaker 03

  Well, no, I'm not, see, I'm, uh, no, I'm not doing that. Because here's the thing, is when I...

• 21:03Caleb Hammer?

  Okay, are you here for listening, or...

• 21:05Speaker 03

  Well, I mean... I'll listen, but like that one I won't listen about. I because well, because

• 21:12Caleb Hammer?

  you can still give the same amount in the end, but actually even more.

• 21:16Speaker 03

  I mean, yeah, correct.

• 21:17Caleb Hammer?

  So it would work out. It'd be fine.

• 21:19Speaker 03

  Yeah, but like God wants us to make sacrifices. So this is a sacrifice.

• 21:24Caleb Hammer?

  What you're doing is making a sacrifice now for in your life so that you can give more to the church later.

• 21:31Speaker 03

  No.

• 21:32Caleb Hammer?

  And for the, but you'll be able, but you'll be giving more. So isn't that better?

• 21:36Speaker 03

  Well, yeah, but, but I just don't see it that way. Well, because I like, I see, I see it as like, okay. So when I moved, so I moved to Texas, right? And then I moved while I was in Texas in September.

• 21:49Caleb Hammer?

  Okay, that's crazy.

• 21:51Speaker 03

  Well, so here's the thing. It's like a God thing. So when I moved, I

• 21:55Caleb Hammer?

  It means a God thing?

• 21:56Speaker 03

  Just listen. So when I, when I moved in September, my parents came down and for like a week, we were looking for apartments. Right? We couldn't find any apartments in my budget because I was still making not as much money as I'm making right now. So I'm making even less in Dallas. That's scary. So anyways, then I like, I prayed really hard and I was like, God, like you didn't bring me to Texas all

• 22:17Speaker 00

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• 22:46Speaker 03

  Way to send me home. Like I've, I found a church that I really love. Like I'm not going home. I love it here. You brought me here for a reason. And so like I fought with him and I prayed really hard. And then the next day we accidentally found the apartment that I'm in right now. And like I raised my budget a little bit and I ended up getting the first two months free. And like I, I lost a ton of money. So my dad had helped me pay like the deposit, but that was it. And then like the lady, the manager sat with us and we were like, Hey, but we need keys like tomorrow morning. We can't do like the week application and everything. So like she sat with us and we got my apartment that day and everything. And so now I

• 23:24Caleb Hammer?

  Have you ever considered that in, in, in all of Texas, the rental market is quite weak and there are a lot of vacancies and they will do anything to fill them currently. Drowning in student loans with massive interest rates? I see it on the show all the time. People get a loan to advance their careers only to be left with sky-high interest rates and crazy minimums that leave their paycheck gutted. Maybe you've already gone to a normal lender to try to refinance your private student loans, and they looked at your less-than-perfect credit score and hung up the phone. Maybe a part of you even thought, "Yeah, that tracks. I guess I'm stuck. Stop it." You don't deserve to be buried in a high-interest loan for the rest of your life because you hit a rough patch. The banks aren't rejecting you because you're a lost cause. They're rejecting you because you're not profitable enough for them at a manageable rate.

• 24:09Caleb Hammer?

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

• 24:51Caleb Hammer?

  Break free from the high-interest trap and get your finances under control once and for all. I'm gonna be real with you. Your debt is not the same as everyone else's. You've got your own unique mix of credit cards, maybe some medical bills, personal loans, and collections. Whatever. Your interest rates are different. Your payments are different. Your life is different. So why do you need some one-size-fits-all solution that treats you like a number? Some generic calculator that spits out "Just pay more"? As if you hadn't thought of that already. That's what sets PDS apart. They don't just look at your balance and say, "Good luck." They work to understand your specific scenario and help provide alternative solutions to becoming debt-free. Whether you're struggling with credit cards, personal loans, collections, or medical bills, PDS Debt has customized options designed specifically for you. Not your neighbor, not some average-case study. You.

• 25:34Caleb Hammer?

  They've helped hundreds of thousands of people get out of debt. And here's the thing. There's no minimum credit score required. They're not here to judge you. They're not here to shame you. They're here to help you get out and help you save more. Pay off your debt faster and start putting money back in your pocket. This is a company that is A plus rated by the Better Business Bureau, boasts thousands of five star reviews on Google, and holds a five star rating on TrustPilot. That legitimately matters. Here's the thing, if I needed help paying off debt, this is exactly where I'd go for help. You're just 30 seconds away from being debt free with PDS Debt. Get your free assessment and find the best option for you right now at PDSDebt.com/hammer. That is PDSDebt.com/hammer. PDSDebt.com/hammer. Have you ever considered that as a possibility?

• 26:14Speaker 03

  Yeah, correct. And all of those apartments, the week ahead of this one, were trying to do that. And I lost a lot of money. I lost.

• 26:21Caleb Hammer?

  That sounds like you were a moron.

• 26:23Speaker 03

  Yeah, I was. Well, because I was in panic mode because I just had left my boyfriend and I didn't have somewhere to live. And I don't know anyone here and I don't. So, yeah, I was stupid about it. I, yeah.

• 26:34Caleb Hammer?

  That's you being a moron. That's not you praying, though.

• 26:36Speaker 03

  No.

• 26:36Caleb Hammer?

  That's you being a moron.

• 26:37Speaker 03

  Correct. About me not like, about me losing money, that was me being a moron.

• 26:41Caleb Hammer?

  And prayers, God helps a lot of people in every religion. It really does.

• 26:45Speaker 03

  Exactly.

• 26:45Caleb Hammer?

  Makes people feel good.

• 26:46Speaker 03

  And it helped me out, yeah. God helped me out. He found me an apartment.

• 26:50Caleb Hammer?

  I love it.

• 26:50Speaker 03

  He helped me find an apartment.

• 26:51Caleb Hammer?

  No, you were a moron.

• 26:52Speaker 03

  Yes.

• 26:52Caleb Hammer?

  All of this is the actions of your choices, though.

• 26:54Speaker 03

  But, so now the action of the timing is my thank you for letting me stay. It's like my thank you to God.

• 27:00Caleb Hammer?

  So you chose to leave your boyfriend and up. Yes, you could think of throughout the rest of your life. I love that.

• 27:04Speaker 03

  So it's just.

• 27:05Caleb Hammer?

  That's great, do it.

• 27:05Speaker 03

  Point blank, period.

• 27:07Caleb Hammer?

  But right now, fix your shit and then give more and just make up what you didn't.

• 27:10Speaker 03

  Well, I can fix my stuff with like other things. Like, I can't, like, I have a sponsor kid. I mean.

• 27:16Caleb Hammer?

  What?

• 27:16Speaker 03

  That kind of breaks my heart, though. I can't get rid of him. His name's Joshua. He's in like,

• 27:24Speaker 03

  I don't know where. But I pay like 40 bucks a month so he can eat.

• 27:28Caleb Hammer?

  And are we sure this is actually going to Joshua? I gave him like a traditional African name. So what's the baby's name? OJ.

• 27:36Speaker 03

  Yeah, it's through World Vision.

• 27:39Speaker 03

  Oh, it's just like a big, like, sponsor kid, Christian thing.

• 27:44Caleb Hammer?

  I hope it's legit.

• 27:45Speaker 03

  Joshua gets to eat and that's all that matters.

• 27:47Caleb Hammer?

  I hope Joshua's real.

• 27:49Speaker 03

  I think he is. I have a picture of him on my phone. He was really cute.

• 27:51Caleb Hammer?

  That's very difficult.

• 27:52Speaker 03

  He wrote me a letter.

• 27:54Caleb Hammer?

  That's also very difficult to do.

• 27:56Speaker 03

  I think it's a legit company. They're like very well known.

• 27:59Caleb Hammer?

  It's a company?

• 28:00Speaker 03

  Well, it's like, I guess it's an organization.

• 28:04Speaker 03

  Google it. It'll come right up.

• 28:06Caleb Hammer?

  We just did. It is a legitimate international charity, but it's frequently...

• 28:11Speaker 03

  Oh shoot, it's frequently what?

• 28:12Caleb Hammer?

  It is frequently impersonated by scammers using fake loan foundation schemes.

• 28:17Speaker 03

  Oh no!

• 28:18Caleb Hammer?

  Phone and job offers and phishing websites to steal money and personal information of which if anyone I have ever met would fall for. Okay, so, okay, 10% goes to tithing. Sounds like we're not gonna get anywhere there, so continue.

• 28:32Speaker 03

  Yeah, that's a non... Okay, so then, tithing always comes out first.

• 28:36Caleb Hammer?

  Still give the money back. I'm not against tithing. I am against you being stupid. Continue.

• 28:43Speaker 03

  Okay, um, so then I pay my dad some bills, so I pay him on the first of the month.

• 28:49Caleb Hammer?

  Pay your dad some bills?

• 28:50Speaker 03

  Yeah. I pay my dad car insurance and for my phone bill, so I pay him $225 a month.

• 28:56Caleb Hammer?

  Oh.

• 28:56Speaker 03

  I Venmo him. So, half of that's one thirteen.

• 29:00Caleb Hammer?

  Why aren't you getting those on your own at that price?

• 29:02Speaker 03

  Well, okay, because...

• 29:03Caleb Hammer?

  Helium at $15 a month, you're in Texas, helium's good.

• 29:07Speaker 03

  I'm only paying him $25 a month for my phone and it's for the actual phone.

• 29:12Caleb Hammer?

  Oh, for...

• 29:13Speaker 03

  It's not for the plan also.

• 29:14Caleb Hammer?

  You financed the phone. Continue.

• 29:17Speaker 03

  I did. Um, so, I pay him, and, oh, and my car insurance story is that, um...

• 29:22Caleb Hammer?

  What? You said 113? No, you told me 213. You wrote down 113.

• 29:25Speaker 03

  I said 113, and then I said I pay him total $225.

• 29:29Caleb Hammer?

  A month, okay.

• 29:29Speaker 03

  A month, yeah. So, the, the $200 car insurance is because I tried to get car insurance on my own and they were trying to charge me like $800 a month.

• 29:38Caleb Hammer?

  Continue.

• 29:39Speaker 03

  Okay, so, then I have like my student loan, half of one is 50, and then another half of the other one is 23, and then I have half of my...

• 29:50Caleb Hammer?

  Hit them individual, okay.

• 29:51Speaker 03

  Well, I have two different ones.

• 29:53Caleb Hammer?

  Different accounts or different loans that are the same account?

• 29:55Speaker 03

  Completely different loans, but one of the loans, the Mohella loan, is two loans into one, so I have three loans technically, and then, um, I pay like $150-ish for electric, so...

• 30:11Speaker 03

  Is that seventy-five, half-electric?

• 30:14Caleb Hammer?

  From your savings, yep, continue.

• 30:16Speaker 03

  Well, from the paycheck, technically, and then I pay twenty, I pay fifty for internet.

• 30:22Caleb Hammer?

  Okay, now, I'm confused. So you're living on your own now, and you spent a lot of money to make that because you just chose to leave. You guys moved to Texas together, if I'm not mistaken.

• 30:30Speaker 03

  Yeah.

• 30:31Caleb Hammer?

  So you guys moved to Texas, and you immediately just like, nope, actually, I don't like you.

• 30:34Speaker 03

  No, no, no, no, no, so.

• 30:36Caleb Hammer?

  Let me go live on my own and blow a lot of money.

• 30:38Speaker 03

  No, we were, we were having issues communicating and agreeing on things.

• 30:43Caleb Hammer?

  Well, that's good. I would move across the country for someone that I'm doing that with.

• 30:46Speaker 03

  No, it wasn't like that until we moved. Like, things just got more difficult when we moved.

• 30:51Caleb Hammer?

  Why did it get worse?

• 30:51Speaker 03

  Well, because when, so when we had moved in, it was, it was my ex's first time ever leaving his home, like, with his parents. He never even, like.

• 31:00Caleb Hammer?

  And you're gonna move across the country with that?

• 31:02Speaker 03

  Well, I was gonna marry that. I still want to one day.

• 31:07Caleb Hammer?

  Oh, okay.

• 31:10Caleb Hammer?

  Bro, you guys, you cut it like a week ago.

• 31:13Speaker 03

  So here's the thing. No, we're just trying to do it right, so we don't actually fail this time.

• 31:17Caleb Hammer?

  That the guy you showed me?

• 31:18Speaker 03

  No.

• 31:19Caleb Hammer?

  So you have eyes for two men?

• 31:21Speaker 03

  No.

• 31:22Caleb Hammer?

  That's very Christian of you.

• 31:23Speaker 03

  No, I was, I was.

• 31:24Caleb Hammer?

  No, she was showing me pictures of a very handsome cowboy.

• 31:28Speaker 03

  And he was very handsome, but I.

• 31:30Caleb Hammer?

  That she wants the.

• 31:31Speaker 03

  Oh my gosh, no, no, I wanted, so I introduced myself to him a while.

• 31:38Caleb Hammer?

  Come on, Christian girls are the craziest.

• 31:40Speaker 03

  Well, I used to be, but not anymore.

• 31:42Caleb Hammer?

  Always happens.

• 31:43Speaker 03

  It's my purity ring.

• 31:47Speaker 03

  Did you just, ugh?

• 31:48Caleb Hammer?

  Yeah.

• 31:49Speaker 03

  No, it's cute.

• 31:53Caleb Hammer?

  Girl, just have fun. Okay.

• 31:54Speaker 03

  I had a lot of fun, so I'm okay.

• 31:56Caleb Hammer?

  Uh-huh, okay.

• 31:58Speaker 03

  Oh, oh, oh, oh, so the ex, so.

• 32:00Caleb Hammer?

  Yes, you broke up with him?

• 32:01Speaker 03

  So, well, so here's the thing, is when I had moved out, we were having issues communicating, and I thought it, like, I moved out still wanting to marry him, and it was like right before we were supposed to get engaged. So here's the thing, is I.

• 32:13Caleb Hammer?

  And he had never lived anywhere besides his parents, and you were about to get engaged to this man?

• 32:17Speaker 03

  Yeah.

• 32:18Caleb Hammer?

  How long were you guys together?

• 32:19Speaker 03

  Like, a year. We were gonna get engaged.

• 32:20Caleb Hammer?

  When were you getting railed endlessly, then?

• 32:23Speaker 03

  What?

• 32:23Caleb Hammer?

  When were you getting railed endlessly, then? Because you just said you had a hoe phase. Like, how's that even possible? If you were with him since twenty, when were you just, when, what was your hoe phase, like, two months?

• 32:32Speaker 03

  I never said it was a hoe phase. I just said I had fun. Like, I was a party girl in college. I partied a lot. I drank a lot.

• 32:39Caleb Hammer?

  You got with him at, like, twenty?

• 32:40Speaker 03

  Well, I got-

• 32:41Caleb Hammer?

  When were you having fun? Eighteen to twenty?

• 32:44Speaker 03

  Yeah.

• 32:45Caleb Hammer?

  That was fun? Two years of your life? Okay.

• 32:47Speaker 03

  Yeah, I went to Chicago a lot. I did a lot of clubbing. But it was like a lot. So it was like Thursday through Sunday type party.

• 32:53Caleb Hammer?

  And you want to get with this guy? Because the day after you left, he brought another girl into your guys' apartment.

• 32:58Speaker 03

  At the end of the day, I moved out because I wanted to marry him still. And I thought this space was gonna be good for us to be able to grow as human beings and like him to mature a little bit and like-

• 33:06Caleb Hammer?

  Yeah, he brought some titties back to the place.

• 33:09Speaker 03

  Yeah, I know. I mean, they, at least they weren't cute ones.

• 33:12Caleb Hammer?

  Maybe, I don't know. You're saying that.

• 33:14Speaker 03

  No, she was chopped.

• 33:15Caleb Hammer?

  Jealous ex.

• 33:16Speaker 03

  I'm not jealous. It's a fact. It's a fact.

• 33:20Caleb Hammer?

  Show me a picture.

• 33:21Speaker 03

  I'm blocked, but we can find her. He had her block me.

• 33:24Caleb Hammer?

  You know her name?

• 33:25Speaker 03

  Yes, of course I know her name.

• 33:28Caleb Hammer?

  Jealous ex.

• 33:29Speaker 03

  I was jealous, obviously. Because there's a thing. I left wanting to marry him. And then he brought in titties before my shit was even out of the apartment.

• 33:36Caleb Hammer?

  Yes, did they bang?

• 33:38Speaker 03

  Yeah, obviously they banged.

• 33:39Caleb Hammer?

  You, you are, and you wanted to get back with this?

• 33:41Speaker 03

  Yes, because here's the thing. All the reasons why I left him were everything that he got from her. Basically, he got his own like shit hand back to him.

• 33:53Caleb Hammer?

  The new girl works for Twin Peaks. Are they together now?

• 33:55Speaker 03

  No, they're broken up now.

• 33:56Caleb Hammer?

  Uh, except you guys just broke up again a week ago. So maybe she's back in the picture.

• 34:01Speaker 03

  Don't say that.

• 34:03Caleb Hammer?

  Well, I mean, let's just be real. I know how men work.

• 34:05Speaker 03

  Yeah, but I don't want to think about that. I know how they work too. I mean, he brought a new [BLEEP] in before my clothes were out of the closet. She had a toothbrush on her couch. I know, I'm sorry. I'm trying to watch my mouth. But she had a toothbrush in our apartment before my stuff was even out. Exactly. So when I got there and I moved all my stuff out-

• 34:22Caleb Hammer?

  The day after she moved out, there's a toothbrush there?

• 34:24Speaker 03

  No.

• 34:24Caleb Hammer?

  You bring a toothbrush for fun?

• 34:26Speaker 03

  Wait, what?

• 34:27Caleb Hammer?

  What? I don't.

• 34:28Speaker 03

  I know. Wait, are you trying to say that she was there first? Before I left? What are you trying to say?

• 34:34Caleb Hammer?

  Bringing a toothbrush over for an evening of fun?

• 34:36Speaker 03

  It, no, that's the point. It wasn't just an evening of fun. It got, they got, they were in a relationship like-

• 34:42Caleb Hammer?

  What, the day after you moved out?

• 34:44Speaker 03

  Yes, like-

• 34:45Caleb Hammer?

  Hold on.

• 34:45Speaker 03

  I moved my stuff out of the apartment. I was standing in my new apartment.

• 34:50Caleb Hammer?

  Is that not the biggest red flag you've ever heard in your life? And you want to get back with a guy that was likely cheating on you?

• 34:56Speaker 03

  Oh, I can't find her now.

• 34:57Caleb Hammer?

  Oh, come on.

• 34:58Speaker 03

  No, I'm serious.

• 35:00Caleb Hammer?

  A girl who works at Twin Peaks.

• 35:02Speaker 03

  Yeah, well, I know how to spell her name and everything.

• 35:04Caleb Hammer?

  A girl who works at Twin Peaks had already moved in the day after you moved out.

• 35:10Speaker 03

  Yeah, and do you want to know the crazy part too?

• 35:12Caleb Hammer?

  That is the crazy part, but sure.

• 35:15Speaker 03

  Well, so like him and I, like, we got into some disagreements about the way that I used to dress, because I used to dress a lot more provocatively before God.

• 35:23Caleb Hammer?

  So, oh my, okay. Girl.

• 35:26Speaker 03

  I can't find her. That's his page.

• 35:28Caleb Hammer?

  Who cares how you dress?

• 35:30Speaker 03

  Should I try and find her?

• 35:31Caleb Hammer?

  Yes, I thought that's what you were doing.

• 35:33Speaker 03

  Well, I meant like still. I can't find her.

• 35:36Caleb Hammer?

  So what was the crazy part? Yes, this is dressing.

• 35:38Speaker 03

  Well, the crazy part was that like...

• 35:40Caleb Hammer?

  I mean, I want you to dress even more like Handmaid's Tale, so we can cover that arm hair.

• 35:46Speaker 03

  Oh my God, I cannot believe you just said that.

• 35:52Speaker 03

  I'm Puerto Rican, we're hairy, and my dad's like Greek and German, and so I'm just hairy.

• 36:00Caleb Hammer?

  Uh huh.

• 36:00Speaker 03

  You don't have to judge me. So anyway. I can't find her. Oh, that's not fun.

• 36:08Caleb Hammer?

  You immediately went in there and put the girl's toothbrush in the toilet?

• 36:13Speaker 03

  Okay.

• 36:14Caleb Hammer?

  And then he wrote cheater on the mirror?

• 36:16Speaker 03

  Yeah, yeah, and I took everything.

• 36:19Caleb Hammer?

  Can't find her?

• 36:19Speaker 03

  No, I can't.

• 36:20Caleb Hammer?

  Show me him, this guy you want to get back with.

• 36:22Speaker 03

  I tried to.

• 36:22Caleb Hammer?

  Well, I know, but I want to see her.

• 36:24Speaker 03

  I want to see her too.

• 36:25Caleb Hammer?

  You don't know her name?

• 36:26Speaker 03

  I know her name. I'm typing in her name.

• 36:28Caleb Hammer?

  Okay, okay, okay, pull him up.

• 36:29Speaker 03

  And I went through his following list.

• 36:31Caleb Hammer?

  Pull him up, pull him up.

• 36:31Speaker 03

  Okay, that's him. I have a really cute picture of him and I together too. We look cute together.

• 36:36Caleb Hammer?

  Are you kidding me?

• 36:38Speaker 03

  Okay, see, but no, no, no, no. Can I show him? Can I show a picture? I have a better one. I know, those are, those are not cute. You know, men can't post pictures on Instagram. So if they're like, kind of cute on Instagram, then you meet, like, you know that they're a little bit cuter in real life. I've, oh, wait, I've never tried Facebook.

• 36:56Caleb Hammer?

  Uh huh.

• 36:57Speaker 03

  Maybe I'm spelling it wrong.

• 36:58Caleb Hammer?

  That writes cheater on the mirror. And he is a cheater. Why do you want to get back together with a cheater? We're gonna call this guy.

• 37:04Speaker 03

  Because I told you, I was like, remember, like, so I was telling him, like, I need you to help me with the laundry. I need you to help me with the dishes. I need you to help me pay the bills. So when I left, those were mainly the reasons, like, we just weren't agreeing on, like, being adults, basically. And so when I left, I thought it would give him a chance.

• 37:20Caleb Hammer?

  When you two met, he already had a girlfriend.

• 37:24Caleb Hammer?

  You want to go down this road again? You're trying to be all religious girl and whatnot? You're trying to go down a world with a guy that cheated on someone to be with you, who cheated on you to be with someone else? And you want to marry this man?

• 37:36Speaker 03

  Yeah. Oh my god, I found her.

• 37:40Caleb Hammer?

  You are delusional.

• 37:43Speaker 03

  I told you she's chopped.

• 37:44Caleb Hammer?

  Show me.

• 37:45Speaker 03

  I told you she's chopped. Her mom posted that, I think.

• 37:48Caleb Hammer?

  You know what she means?

• 37:50Speaker 03

  She was a mooch.

• 37:51Caleb Hammer?

  This Christian Texan means?

• 37:53Speaker 03

  I'm not a Texan.

• 37:54Caleb Hammer?

  When she's, yes you are.

• 37:56Speaker 03

  I'm a Jersey girl.

• 37:57Caleb Hammer?

  You know what this Christian? White girl who lives in Texas means when she says she's chopped? It means she's black.

• 38:04Speaker 03

  No, that's wrong. I knew you were gonna say that. I'm not, no, I'm not like that. I've, I've chatted with a lot of dark colored men. This, this is actually, this was actually my first white man. This was my first one.

• 38:18Caleb Hammer?

  This is her?

• 38:19Speaker 03

  Uh, no, that's the mom. She's got the, the ex-girlfriend now. She's got messed up teeth. Yeah. So basically, she was a mooch and she found my ex with a good job.

• 38:30Caleb Hammer?

  You're calling the black woman a mooch?

• 38:31Speaker 03

  She was a mooch. She went in with a job that she barely ever like went to. She would sleep all day, wake up and put makeup on and then get dropped off at work. She had no car, no driver's license. She had a shitty job. Like, she just was a mooch. She could have been white, she could have been brown, she could have been yellow.

• 38:47Caleb Hammer?

  I think the guy just wants a little seasoning, a little bit of flavor.

• 38:50Speaker 03

  Well then, why is he coming crawling back?

• 38:52Caleb Hammer?

  Is he?

• 38:53Speaker 03

  Well, he was.

• 38:53Caleb Hammer?

  Because he cheats, cheats, cheats, cheats. Because he wanted to, did you guys, two weeks ago?

• 38:57Speaker 03

  No.

• 38:58Caleb Hammer?

  No?

• 38:58Speaker 03

  No.

• 38:59Caleb Hammer?

  You promised me.

• 39:00Speaker 03

  Yeah.

• 39:01Caleb Hammer?

  You swear to the big up there?

• 39:05Caleb Hammer?

  Ah.

• 39:06Speaker 03

  Yeah.

• 39:07Caleb Hammer?

  You do? You swear?

• 39:08Speaker 03

  Well, no, I don't swear.

• 39:12Speaker 03

  I, well, I just don't swear on the big guy in general, but.

• 39:15Caleb Hammer?

  Well, if it was true.

• 39:17Speaker 03

  Yeah.

• 39:18Caleb Hammer?

  You guys didn't, no glucky glucky, no touchy touchy?

• 39:20Speaker 03

  Oh, I mean, a little bit.

• 39:22Caleb Hammer?

  Okay. That's what he wanted. That's what he came back for.

• 39:26Speaker 03

  But.

• 39:26Caleb Hammer?

  And then he left a week later, right?

• 39:27Speaker 03

  Well, no. Well, yeah, but no.

• 39:29Caleb Hammer?

  What?

• 39:30Speaker 03

  But, but, but, I mean, but so the thing is, is when, when he was like, I think we should go no contact. It was because we were starting to see the same patterns in our communication happening again.

• 39:39Caleb Hammer?

  In two weeks? The pattern in that communication is he wanted to go fuck another woman.

• 39:45Speaker 03

  For six months? They were together for like six months.

• 39:48Caleb Hammer?

  That's a lot for him.

• 39:49Speaker 03

  Yeah, I know.

• 39:49Caleb Hammer?

  He starts cheating. He's just here, you, you want to get back with this new shit? The guy you showed me before is so much more handsome.

• 39:56Speaker 03

  Yeah, but.

• 39:56Caleb Hammer?

  The guy you showed me before, we started filming.

• 39:58Speaker 03

  But he wasn't interested in me at all.

• 40:00Caleb Hammer?

  Well, no.

• 40:03Caleb Hammer?

  Oh, a guy doesn't like you? I don't give a, that's not, that's not a traditional crying thing on this show. Fuck you.

• 40:09Speaker 03

  Fuck you.

• 40:10Caleb Hammer?

  Oh, shut up.

• 40:12Speaker 03

  Oh, okay.

• 40:13Caleb Hammer?

  A guy you have a crush on in church doesn't like you?

• 40:15Speaker 03

  That's not what I'm crying about. I'm crying about my ex.

• 40:18Caleb Hammer?

  Your ex that cheated on you, who cheated on with another girl that was with you?

• 40:21Speaker 03

  I know, but I think like it needed to happen.

• 40:24Caleb Hammer?

  Oh, girl, you are broken.

• 40:26Speaker 03

  No, I'm not. I may be a little bit delusional, but I think like.

• 40:31Caleb Hammer?

  A little bit?

• 40:32Speaker 03

  No.

• 40:32Caleb Hammer?

  Show me a picture of the new guy.

• 40:34Speaker 03

  I don't have a new guy.

• 40:35Caleb Hammer?

  You just showed me.

• 40:37Speaker 03

  No.

• 40:37Caleb Hammer?

  The guy you're into.

• 40:39Speaker 03

  The one from church?

• 40:40Caleb Hammer?

  Yes.

• 40:41Speaker 03

  No, I'm, I've given up on that a while ago. I literally put myself out there like.

• 40:45Caleb Hammer?

  What do you mean? How'd you put yourself out there?

• 40:47Speaker 03

  Okay, so we had met like once or twice, and so I had followed him on Instagram. And he was private with like 200 and something thousand followers. He never accepted me, so I removed it. Then my friend, like a couple of weeks later, because we were still like seeing each other at church. My friend at church was like, I'm friends with him. Let's go introduce you. He's single, whatever. So they went and introduced me and then like a little while after that, I was just going to kind of play it by ear and like not be too pushy about it.

• 41:18Caleb Hammer?

  Can I have his phone number?

• 41:19Speaker 03

  No.

• 41:20Caleb Hammer?

  And you're not in his Instagram?

• 41:22Speaker 03

  No, because.

• 41:23Caleb Hammer?

  You have no point of contact.

• 41:24Speaker 03

  No, I mean, I could DM him on TikTok, I think, because he's not private on TikTok.

• 41:30Caleb Hammer?

  He will not see that.

• 41:31Speaker 03

  Yeah, well, exactly. So I can't even like slide into his DMs. And like this was a while ago and I tried to introduce myself and then we tested it out.

• 41:40Caleb Hammer?

  What about Brandon? He's looking for a nice Christian girl.

• 41:44Caleb Hammer?

  Yeah, she is. It's because you guys are the most like

• 41:48Caleb Hammer?

  and you're good looking and his home is Dallas ish.

• 41:52Speaker 03

  Really?

• 41:52Caleb Hammer?

  Ish.

• 41:53Speaker 03

  Oh, but how does he work here then?

• 41:55Caleb Hammer?

  Well, no, his home.

• 41:56Speaker 03

  Oh, here, this is me and my ex together. We're cute together.

• 42:02Caleb Hammer?

  Sure, whatever. Go look up the new guy. I don't care.

• 42:04Speaker 03

  Um, so this new guy. So anyways, so then we tested it out to see if like, maybe he just like wasn't seeing it. That's his page. And then, so I was in Jersey and my family friend.

• 42:15Caleb Hammer?

  She said he had 250,000 followers.

• 42:17Speaker 03

  Does he not have 200 and something thousand?

• 42:19Caleb Hammer?

  He has 10,000 followers.

• 42:21Speaker 03

  Oh, on TikTok, he has 200 and something thousand.

• 42:24Caleb Hammer?

  Oh.

• 42:26Speaker 03

  Oh, sorry. So the thing with that is that I tested it out with my friend back home. Oh, sorry. Bleep that. Um, but.

• 42:34Caleb Hammer?

  Brandon said he's down and that you're kind of, it seems like you'd be fun at a Six Flags date.

• 42:39Speaker 03

  Oh, I love, I love roller coasters.

• 42:41Caleb Hammer?

  This is great. Okay, listen. Okay, so that's how you.

• 42:46Speaker 03

  Wait, let me finish really quick. The story about him. So we tested it out. So this is how I know he really.

• 42:51Speaker 00

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• 43:20Speaker 03

  He is not into me at all. My friend who is married with kids, but she's a beautiful, like bombshell blonde with fake boobs and fake lips and everything. No, she's. I mean, she rocks it. She's gorgeous. I mean, I don't prefer it for myself either, but still, anyway, so she followed him on, requested to follow him. He immediately accepted it and then followed her back and then was viewing her stories. So then I followed him immediately after. Again, 24 hours went by and I wasn't accepted.

• 43:46Caleb Hammer?

  Oh, my gosh, it's women games. Okay.

• 43:47Speaker 03

  So I removed it again.

• 43:49Caleb Hammer?

  Don't like it. He ain't sticking it in and giving you babies. Rip. Keep going back to the cheater. You think that's the only alternative? Shut the up.

• 43:55Speaker 03

  I don't think it's the only.

• 43:57Caleb Hammer?

  No sense.

• 43:59Caleb Hammer?

  I don't understa- you abandoning, which fairly-

• 44:02Speaker 03

  I didn't-

• 44:03Caleb Hammer?

  Well, you left the relationship and you didn't know he was cheating until you left.

• 44:06Speaker 03

  Yeah, cuz my friend-

• 44:07Caleb Hammer?

  He is cheating.

• 44:08Speaker 03

  My friend upstairs-

• 44:09Caleb Hammer?

  He is cheating.

• 44:10Speaker 03

  But technically-

• 44:10Caleb Hammer?

  God?

• 44:11Speaker 03

  No, no.

• 44:12Caleb Hammer?

  Jesus.

• 44:13Speaker 03

  No. Patricia, in the other room.

• 44:17Caleb Hammer?

  Oh, okay.

• 44:18Speaker 03

  Yeah.

• 44:19Caleb Hammer?

  She's upstairs?

• 44:19Speaker 03

  Did I say upstairs? I meant just over there.

• 44:21Caleb Hammer?

  You said upstairs?

• 44:22Speaker 03

  Oh, well, oh, oh, this is why I said upstairs. She lives right on top of my ex.

• 44:27Caleb Hammer?

  Thought we were talking about the big G.

• 44:28Speaker 03

  Well, no.

• 44:29Caleb Hammer?

  He's upstairs.

• 44:30Speaker 03

  Well, yeah, he is upstairs, but she's literally upstairs. So, the apartment that my ex and I moved into, he's still there. I know her from her moving in with her ex a couple of weeks after him and I moved in. So, we were upstairs, downstairs neighbors. Because she's the one that told me he was cheating. And she's the one that called me and was like, the day that I got the keys to my new apartment, she called me and was like, "Oh, hey, I just wanna let you know that he-"

• 44:58Caleb Hammer?

  Okay, okay, okay.

• 44:59Speaker 03

  Just brought a new girl home.

• 45:00Caleb Hammer?

  How you budget makes no sense to me. I need to get back to that.

• 45:03Speaker 03

  Okay, so.

• 45:04Caleb Hammer?

  Oh, there's more?

• 45:06Speaker 03

  No, well, I have more bills, obviously.

• 45:08Caleb Hammer?

  Okay, you have more bills, but this doesn't understand. This number shouldn't matter.

• 45:14Speaker 03

  Why? It's how much money I have to spend.

• 45:18Caleb Hammer?

  That's already a bad way to look at it. Your bills do not change. Your bills in 50, 30, 20, or whatever it is you're doing at the time should only be based off of

• 45:32Caleb Hammer?

  your lowest check relatively, but here, tell me, not even your check, monthly, by the way, not even paycheck to paycheck, but, um, okay, either way, since you do this, you should be able to tell me how much you spent last month. Tell me what your outflow was next last month.

• 45:47Speaker 03

  I have no idea.

• 45:48Caleb Hammer?

  But you write it down and you like have 30 whiteboards in your kitchen, I heard, of writing down your bills and stuff, so tell me, what did you spend?

• 45:56Speaker 03

  Um, I'm gonna say probably like-

• 46:00Speaker 03

  Um, like if I, um, uh, I really have no idea. I mean, okay, let's say-

• 46:06Caleb Hammer?

  Barely have no idea.

• 46:07Speaker 03

  Yeah, let's say like 4,000.

• 46:09Caleb Hammer?

  Okay, $5,149 when payroll was 3,197. I pay my bills, my bills are paid!

• 46:17Speaker 03

  But that's the thing-

• 46:18Caleb Hammer?

  The number, numbers in the end, it didn't-

• 46:20Speaker 03

  Where'd the extra 2,000 come from?

• 46:21Caleb Hammer?

  Debt! Debt! Debt! Debt!

• 46:27Speaker 03

  But I don't know-

• 46:31Caleb Hammer?

  It doesn't matter if you don't have much, if it still goes on there, it goes on there, you dumb tit. The balance went up on the credit card, you dumb [bleep] tit, okay? You suck with money, so you download a budgeting app. You start with the classic one, YNAB, but everyone just deletes it because it's way too complicated to use. So you go to EveryDollar, that's Dave Ramsey, the personal finance guy, right? Well, they're gonna force you to use it his way. That's not very personal finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end? Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like Dollar Wise.

• 47:16Caleb Hammer?

  Bills by these people just like you, for people just like you. No private equity, no gimmicks, just the best budgeting app there is. Download it now, start the free trial, dollarwise.com, link in the description below. That's kinda [bleep] 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've thought? That's incredible, check it out, link in the description below. Sign up for Chime, get that $350 right now in your checking account!

• 48:01Caleb Hammer?

  Deal with this, figure out your shit!

• 48:03Speaker 03

  The balance is actually higher than that.

• 48:04Caleb Hammer?

  I get it. I'm not gonna tell people to not do what their religion and what they need to do in their religion. I am not against that. Do it. Pause. Recoup it later. Fix your shit so you're not endlessly going into debt. If you were asking the big dog, if you went and asked the pastor and like, "I'm going into debt because I can't afford this 10% right now." What do you advise? I think they would say, "Figure out your debt situation. Make it up later."

• 48:29Speaker 03

  Yeah, I think you're right.

• 48:31Caleb Hammer?

  You fucking dumbass!

• 48:33Speaker 03

  Oh, I hate that word.

• 48:35Caleb Hammer?

  You don't like the [bleep] word?

• 48:36Speaker 03

  Oh my god, now it makes my skin crawl.

• 48:38Caleb Hammer?

  I don't give a [bleep].

• 48:41Caleb Hammer?

  Call your ex.

• 48:42Speaker 03

  Okay, well, so he works at, so he works at, can you bleep this? Can he works at? So can I just text him and be like, "Can you call us when you get a chance?" Oh shit.

• 48:53Speaker 03

  Really? FaceTime or?

• 48:55Caleb Hammer?

  No, I was lying. Yes, call him.

• 48:57Speaker 03

  Okay, he might not answer.

• 48:58Caleb Hammer?

  Just call him!

• 48:59Speaker 03

  Okay, okay, okay.

• 49:01Caleb Hammer?

  One.

• 49:05Speaker 04

  Hello?

• 49:08Speaker 04

  Oh, Kayla? Hello?

• 49:12Caleb Hammer?

  Here's the thing.

• 49:13Speaker 04

  Oh, boy.

• 49:15Caleb Hammer?

  Why? Look, did you cheat on my-

• 49:19Speaker 03

  We were together!

• 49:22Caleb Hammer?

  Cheat on my precious Delilah over here.

• 49:25Speaker 04

  I didn't cheat on her.

• 49:26Caleb Hammer?

  Bullshit. If the day she moved out, there is a toothbrush and another woman living there, no way you were not in active communication. That is impossible.

• 49:36Speaker 04

  She wasn't, no, no, she wasn't living there until like a month manly.

• 49:40Caleb Hammer?

  You were already [bleep] before your clothes were, before her clothes were out.

• 49:44Speaker 04

  Oh my god.

• 49:46Speaker 03

  I told him we weren't together. I'm trying to stand up for you, but it's Kayla.

• 49:50Speaker 04

  Why is this even being spoken about?

• 49:52Caleb Hammer?

  Because, because, pause. She wants to get with you. And I'm like, why the [bleep] is she trying to get with someone who cheated on someone to be with her?

• 49:59Speaker 04

  I didn't cheat on her. That's, that's what you're not understanding is a very complex situation. I understand input, but-

• 50:06Caleb Hammer?

  Okay, well, make the complex situation less complex.

• 50:09Speaker 04

  That's, that's not something I'm gonna put on the internet.

• 50:12Caleb Hammer?

  Oh, great. What a defense. You also cheated on the girl previous of her to be with her.

• 50:18Speaker 04

  Oh my lord.

• 50:21Speaker 03

  He's never gonna take me back.

• 50:23Speaker 04

  So where's this conversation going?

• 50:26Caleb Hammer?

  She wants to get back with you. I'm asking why the she even wants that in the first place. But here's the thing, if you guys were together a couple of weeks ago, we'll bleep your name, by the way. If you're, if you guys were together a couple of weeks ago and then you stopped being together, why the are we playing this game?

• 50:41Speaker 03

  We were just taking some space to try and like get ourselves on track.

• 50:45Caleb Hammer?

  For two weeks for a second and then you broke up immediately.

• 50:48Speaker 03

  Well, yeah, because we weren't.

• 50:50Speaker 04

  I got a second job. Like, I'm just trying to focus on myself. We were getting into arguments. I was, it was a distraction, honestly. She knows that. I know that.

• 50:57Caleb Hammer?

  What are the arguments about?

• 50:59Speaker 04

  Kind of accountability and, um, I don't know, just boundaries that are, that were set and spoken about that aren't respected. And I don't know, when things are brought up, it's not always, it's not always handled the best. And I, I take, I take accountability on raising my voice and whatnot, but if you're a partner, you should at least be able to speak honestly. That's, that's how I think.

• 51:23Caleb Hammer?

  And what is this thing with trying to make her wear more clothes?

• 51:26Speaker 03

  Oh my gosh, no, we just, we debated about like corsets and something. Sorry.

• 51:34Speaker 03

  I told them about your.

• 51:35Caleb Hammer?

  Shut the up.

• 51:41Speaker 04

  Oh, all right. So I'm, I'm sure you have your own stance on morality and clothing and women's clothing in today's day and age. So I'm sure I don't really need to go into too much detail if, um.

• 51:58Caleb Hammer?

  How much does she have to wear to be with you?

• 52:01Speaker 04

  I don't know, something, something her grandmother and mother wouldn't frown down upon. I just think it's a respect.

• 52:07Caleb Hammer?

  Do they? Like, I don't, well, she's saying no.

• 52:11Speaker 03

  There's some outfits that my mom and dad think are really cute that he.

• 52:14Caleb Hammer?

  What about at the beach? What do you, what do you allow at the beach?

• 52:19Speaker 04

  I don't give a damn about the beach. That's a different story.

• 52:21Caleb Hammer?

  But that's the most revealing.

• 52:22Speaker 03

  He does though. So I used to wear like in college, I used to wear like thong bikinis. Now I wear a bikini that has shorts.

• 52:30Caleb Hammer?

  Oh, so you make her wear the shorts at the beach?

• 52:32Speaker 03

  Well, he didn't necessarily make me.

• 52:34Speaker 04

  That's the thing.

• 52:35Speaker 03

  Yeah, like we just fought about it, but at the end of the day.

• 52:38Caleb Hammer?

  Do you think you're gonna get back together with her?

• 52:42Speaker 04

  What kind of question is that?

• 52:43Caleb Hammer?

  Do you want to get back together with her?

• 52:46Speaker 03

  Sounds like she's interested, no?

• 52:48Caleb Hammer?

  Okay, listen, you guys have some big disagreements.

• 52:53Caleb Hammer?

  Like worldview, like she doesn't hate gay people and you hate gay people.

• 52:58Speaker 04

  Uh, I wouldn't say I hate gay people. I hate when it's, uh, pushed towards me. This is crazy. I'm being outed as a homophobe and a quote unquote cheaters.

• 53:12Caleb Hammer?

  But the girl you, uh, didn't cheat on her with was bi.

• 53:19Speaker 04

  Yeah, what does that have to do with that? I just told you I don't hate gay people.

• 53:23Caleb Hammer?

  Well, she said that you don't really like gay people, so.

• 53:27Speaker 04

  I mean, like I just said, they're gay towards me. It's a little uncomfortable and I try to make it clear that I'm not and oftentimes it's still pushed on me. Like I got a DM the other day. Some guy was like, hey, you like, what would you do with a guy? I'm like, uh, nothing, bro. Like I'm not, I'm not really into that. Like, yeah, you are. You're just confused. So like, yeah, that type of shit. I don't, I don't enjoy it. It makes me uncomfortable.

• 53:54Caleb Hammer?

  Sounds like a closet bottom to me. Okay, so you haven't decided whether or not you want to get back with her?

• 54:02Speaker 04

  What?

• 54:03Caleb Hammer?

  You haven't decided whether or not you'd want to get back with her?

• 54:07Speaker 04

  It's an ever evolving thing. It's not that simple.

• 54:09Speaker 03

  Well, because we have to, like me.

• 54:11Caleb Hammer?

  I'm asking him.

• 54:14Speaker 04

  Like we, at some point we lived together and you know, we took steps, uh, away from that. So obviously it's just gonna take time. Like, uh, we came from a totally different state together, so.

• 54:24Caleb Hammer?

  Yeah, but you guys literally were supposed to get engaged two days before you broke up. So like, we were almost there.

• 54:30Speaker 04

  Oh, I'm, I'm well aware.

• 54:31Caleb Hammer?

  Okay.

• 54:32Speaker 04

  Happen, right?

• 54:34Caleb Hammer?

  I do have a bad news if you guys ever do get back together.

• 54:37Speaker 04

  I didn't, I didn't hear you.

• 54:39Caleb Hammer?

  I do have some bad news if you ever consider getting back together. Um,

• 54:44Caleb Hammer?

  she's pretty much the most person I've ever talked to.

• 54:47Speaker 03

  So mean, but he likes me because I'm.

• 54:52Speaker 03

  Did you say, Mom, you didn't even say bye?

• 54:54Caleb Hammer?

  I just wanted to leave him with that.

• 54:56Speaker 03

  What do you think? Am I stupid?

• 54:58Caleb Hammer?

  Yes, he's a cheater.

• 55:00Speaker 03

  But-

• 55:01Caleb Hammer?

  Allegedly.

• 55:02Speaker 03

  But technically, we weren't-

• 55:03Caleb Hammer?

  Technically, he was [BLEEP] another [BLEEP] a moment and moved out. What the [BLEEP] are you talking about? What do you think your financial score is, zero to 10, zero being the absolute worst, 10 being the absolute best?

• 55:12Speaker 03

  I think I'm like a four or five.

• 55:14Caleb Hammer?

  You are so [BLEEP]. Did you just hear how much money I told you you spent?

• 55:18Speaker 03

  Yeah, but I only have run credit card.

• 55:23Caleb Hammer?

  You make no sense, man. You make no sense. It could also be overdraft, it could also be extra stuff. Oh, makes sense to you? That's good, that's wonderful. Misslany's bullshit alone is $1,175, or $1,157. Misslany's bullshit.

• 55:35Speaker 03

  In a month?

• 55:36Caleb Hammer?

  Going out there, it was like $400 on shopping, $600 on large purchases, $842. You're spending so much money. You're spending so much money that you don't have! What's your rent?

• 55:48Speaker 03

  Uh, $1,350.

• 55:49Caleb Hammer?

  It's like half your [BLEEP] income on a normal month.

• 55:52Speaker 03

  It's a really cute place.

• 55:53Caleb Hammer?

  Broken, huh?

• 55:54Speaker 03

  It's a really cute apartment.

• 55:55Caleb Hammer?

  That's literally, no one brought up that argument. I don't give a [BLEEP]. I don't give a [BLEEP]. No one gives a [BLEEP].

• 56:01Speaker 03

  But it matters to me.

• 56:03Caleb Hammer?

  A person gives a [BLEEP]. It is half your income when your income is [BLEEP]. And you can't manage your shit to save your [BLEEP] life.

• 56:09Speaker 03

  But it's going, [BLEEP].

• 56:11Caleb Hammer?

  Maybe, you can't track it, you can't tell me the average.

• 56:13Speaker 03

  I'm gonna be rich one day.

• 56:14Caleb Hammer?

  You're gonna be rich. Ah, rich, dog groomer. We've all heard of them.

• 56:17Speaker 03

  Yeah, it's called opening a business.

• 56:18Caleb Hammer?

  Oh, you're gonna open a business?

• 56:20Speaker 03

  Been there, done that.

• 56:21Caleb Hammer?

  You're gonna open a business?

• 56:22Speaker 03

  Been there, done that.

• 56:23Caleb Hammer?

  Been there, done that? How'd that go? How'd that go, successful business lady?

• 56:26Speaker 03

  Successful. I was on track in two years to make $100,000 a year.

• 56:29Caleb Hammer?

  Where are you today? I don't give a- I was on track, never got there, but guys, at least I was on track.

• 56:34Speaker 03

  Because the [BLEEP] opened that business in 2026. It's a mobile dog grooming business.

• 56:40Caleb Hammer?

  And how'd that go that you were on track?

• 56:42Speaker 03

  It went great. I opened it in 2023.

• 56:44Caleb Hammer?

  Only ever on track and never got there.

• 56:46Speaker 03

  I shut it- Okay, I was making $80,000 a year. I was on track to make more than that when I shut it down in 2025.

• 56:54Caleb Hammer?

  Why?

• 56:54Speaker 03

  I shut it down to move here.

• 56:56Caleb Hammer?

  What?

• 56:57Speaker 03

  Because I was gonna have no source of income at the beginning if I reopen the business.

• 57:01Caleb Hammer?

  Move where?

• 57:02Speaker 03

  To Texas.

• 57:03Caleb Hammer?

  From Jersey?

• 57:03Speaker 03

  Yes.

• 57:04Caleb Hammer?

  Why'd you?

• 57:05Speaker 00

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

• 57:34Caleb Hammer?

  Move!

• 57:35Speaker 03

  Because I hate New Jersey.

• 57:36Caleb Hammer?

  Why?

• 57:37Speaker 03

  Because it's just gross there.

• 57:38Caleb Hammer?

  But you were making money!

• 57:39Speaker 03

  I don't care. I didn't want to build my future there. I didn't want to build my life there. And the business was getting-

• 57:44Caleb Hammer?

  Then why do you need to do this bullshit job where you make no money instead of replicating the success you had?

• 57:49Speaker 03

  Because to reopen my business, to be able to do that, I need to take out an $80,000 small business loan. To be able to pay for the $80,000 small business loan, I have to be making-

• 57:59Caleb Hammer?

  You already had the shit. Take it down here!

• 58:02Speaker 03

  Because I couldn't. I have a trailer. My dad drove the trailer for me. I couldn't drive the trailer. It was like a $20,000 trailer.

• 58:10Caleb Hammer?

  Pause, pause, pause, pa-pa-pa-pause. If you were making $80,000 hours a year, I think you could handle the investment of hiring someone to drive it down here.

• 58:19Speaker 03

  Well, yeah, well, yeah, but not while I'm... I wouldn't have been able to afford the driver while I'm working here. Once I got here.

• 58:26Caleb Hammer?

  What? If you were making $80,000 up there, how could you not afford it? That doesn't make sense.

• 58:31Speaker 03

  Because the income was gonna stop when I moved. I had no kind of talent here.

• 58:34Caleb Hammer?

  You were already making $80,000. You had to have had some money unless you were blowing it all again.

• 58:38Speaker 03

  I have money saved, but that's as the down payment. That's for the down payment of restarting my business.

• 58:45Caleb Hammer?

  But you wouldn't need to borrow if you brought it all down.

• 58:46Speaker 03

  Because I couldn't though, even if I...

• 58:47Caleb Hammer?

  That doesn't make sense!

• 58:48Speaker 03

  It makes sense, you're just yelling.

• 58:50Caleb Hammer?

  No, it doesn't. It doesn't make sense.

• 58:52Speaker 03

  Yeah, it does.

• 58:52Caleb Hammer?

  Make it make sense.

• 58:53Speaker 03

  Okay, so I had this business, right? It was a trailer, my dad was driving it. I couldn't drive the trailer. So, to move down here, I had to sell the trailer to, like, you know, obviously, because I couldn't take it with me.

• 59:04Caleb Hammer?

  No, see, the part that immediately doesn't make sense with there is you were making eighty thousand dollars, so how did you not have enough money to move down here?

• 59:10Speaker 03

  No, I did. I had enough money to move down here.

• 59:12Caleb Hammer?

  Why'd you have to sell the trailer?

• 59:13Speaker 03

  Because I couldn't take it down here, so there was no point in me having it.

• 59:16Caleb Hammer?

  Hire someone to do it.

• 59:17Speaker 03

  Yeah, but even once I got it here, it would never leave the driveway, because I can't drive it.

• 59:22Caleb Hammer?

  Good, temporarily.

• 59:23Speaker 03

  Wrong!

• 59:24Caleb Hammer?

  What?

• 59:24Speaker 03

  I'm not doing that, no.

• 59:25Caleb Hammer?

  Huh?

• 59:26Speaker 03

  It was better for me to get a temporary job that I can get the income to be able to make...

• 59:30Caleb Hammer?

  Girl, what are you going to do with the eighty thousand dollar loan?

• 59:33Speaker 03

  I'm gonna buy a van. I'm gonna buy a grooming van.

• 59:35Caleb Hammer?

  Convert it to the van, move all your equipment into a van.

• 59:37Speaker 03

  It takes eighty thousand dollars to move it into a van.

• 59:39Caleb Hammer?

  All that equipment? So you already have the equipment?

• 59:41Speaker 03

  They, they need to buy the van. They need... I don't have any equipment. I have my tools. I have my tools. Listen! Listen! I have to buy the van. It's a Ram Sprinter, Sprinter van, whatever, right? They go for like twenty thousand one, like a cheap, crummy one, right? So I'm gonna get the van, then I'm gonna send it to a company in New Jersey and they're gonna convert it. But they have to put a battery system in the back.

• 1:00:02Caleb Hammer?

  In Jersey?

• 1:00:03Speaker 03

  Yeah, because I found a family company that's giving me a really good deal, and they do beautiful conversions.

• 1:00:08Caleb Hammer?

  None of them are in Texas? There's grooming vans everywhere, girl.

• 1:00:11Speaker 03

  I can't find one in Texas, but like, they're giving me a good price and I'm working on a budget.

• 1:00:15Caleb Hammer?

  Yeah, but to move a van across the country is like two thousand dollars.

• 1:00:17Speaker 03

  No, I'm gonna drive it.

• 1:00:19Caleb Hammer?

  Oh, I don't trust you.

• 1:00:20Speaker 03

  I drove from here to Texas.

• 1:00:21Caleb Hammer?

  Yeah, you're lucky you made it.

• 1:00:23Speaker 03

  I mean, from here to, from Jer, from Jersey to Texas.

• 1:00:25Caleb Hammer?

  I don't trust you.

• 1:00:26Speaker 03

  Well, I mean, that's you. You're not gonna be in the van.

• 1:00:29Caleb Hammer?

  You, driving, long distance?

• 1:00:32Speaker 03

  I drove all the way to Austin, too.

• 1:00:34Caleb Hammer?

  And you beat the odds!

• 1:00:36Speaker 03

  I'm a good driver.

• 1:00:40Speaker 03

  Just because I don't have a car that drives itself doesn't mean I'm not a good driver.

• 1:00:43Caleb Hammer?

  That has nothing to do with it.

• 1:00:46Speaker 03

  I'm not...

• 1:00:49Caleb Hammer?

  See, I'm excited you got about Six Flags?

• 1:00:51Speaker 03

  Yeah, cuz I have it.

• 1:00:52Caleb Hammer?

  I have Six Flags! It took me to Six Flags!

• 1:00:58Speaker 03

  Oh my god.

• 1:00:59Caleb Hammer?

  Cancel me for that, bitch.

• 1:01:00Speaker 03

  I'm so embarrassed.

• 1:01:05Caleb Hammer?

  I'll let you do anything to me if you take me on the roller coaster.

• 1:01:08Speaker 03

  Not anything.

• 1:01:10Caleb Hammer?

  Says every Christian girl who then takes it up the literal ass that evening.

• 1:01:15Speaker 03

  Do you know this song, Jesus Loves Anal?

• 1:01:19Caleb Hammer?

  No.

• 1:01:20Speaker 03

  It's like, it goes like,

• 1:01:25Speaker 03

  I don't even know how it goes, bro, but it's like, me in the ass because I love Jesus. That's so terrible. You've never heard that?

• 1:01:32Caleb Hammer?

  Keep typing, that'll save you.

• 1:01:36Speaker 03

  I'm working on it. God doesn't want you to clean yourself up before you get to him. He helps you clean yourself up. So I'm working on things.

• 1:01:46Caleb Hammer?

  That's a cope. Listen, if you want your hammer financial score, get it for free, Calebhammer.com. Take the test, it just takes a few minutes. See where you stand in the world of money. Where you're doing great, where you're doing poorly, what you need to do to improve. If you don't want to be like a guest who ends up on the show, so you're not doing this. Cause this is a disaster.

• 1:02:04Speaker 03

  But it works.

• 1:02:04Caleb Hammer?

  Make sure you know it literally doesn't. You spent way more than you made. Download the Dollar Wise Budget app. It'll automate everything for you. Give you incredible insights into what exactly is going on and what you need to fix. It is awesome. Take the free trial, dollarwise.com or just in the app store of your choice. Check out the free trial. Most people take the annual version because it saves almost 50%. And when you do the annual version, just like I signed this one, you will get my 30 day budget meal plan. It is an absolutely extensive, detailed meal plan for every single day with drinks and snacks, desserts, everything included. It is awesome. This is yours to take home. You have no excuses to not meal plan, meal prep on a budget. This is it. No excuses. And you can use HEB for it, which is what we base it on.

• 1:02:46Speaker 03

  I've never been there before.

• 1:02:48Caleb Hammer?

  You are.

• 1:02:50Speaker 03

  What? Oh, do you want that?

• 1:02:54Speaker 03

  I'm not, I don't think I'm that stupid.

• 1:02:56Caleb Hammer?

  You're how you just, I don't, hang on. Like if you just sound like that.

• 1:03:01Speaker 03

  So I sound stupid?

• 1:03:02Caleb Hammer?

  Yes. Yes. Yes, you do. In fact, I would say, I would suggest yes.

• 1:03:08Speaker 03

  Maybe that's just your opinion. That's cool.

• 1:03:10Caleb Hammer?

  And I stand on it.

• 1:03:13Caleb Hammer?

  Quicksilver.

• 1:03:14Speaker 03

  Yeah. My only credit card.

• 1:03:17Caleb Hammer?

  See, just even how you said, yeah. You are.

• 1:03:22Caleb Hammer?

  And I love you for it.

• 1:03:25Caleb Hammer?

  I don't hate you for what it's worth. Sometimes I hate people on the show. I don't hate you at all. You make me giggle.

• 1:03:31Speaker 03

  It feels like...

• 1:03:32Caleb Hammer?

  No, I'm just laughing at you.

• 1:03:34Speaker 03

  I kind of laugh at myself sometimes, too.

• 1:03:37Caleb Hammer?

  And does the other part of yourself know you are?

• 1:03:39Speaker 03

  No, I'm what, laughing at myself?

• 1:03:41Caleb Hammer?

  Oh. Okay, $2,097.31, which has gone up!

• 1:03:49Speaker 03

  Oh, yeah, it's way above that.

• 1:03:51Caleb Hammer?

  It's above that? No, I meant it was up from the previous...

• 1:03:54Speaker 03

  Oh. Oh, no, the limit's higher than what you have on that page. Because that's what it says it's at, right? That number up at the bottom? Yeah. Oh, yeah.

• 1:04:04Caleb Hammer?

  Oh, yeah.

• 1:04:05Speaker 03

  Oh, yeah.

• 1:04:06Caleb Hammer?

  Oh, yeah.

• 1:04:06Speaker 03

  It's way higher.

• 1:04:07Caleb Hammer?

  It's way higher than that. Open up on your phone, please.

• 1:04:14Speaker 03

  Texted me dead emojis. Dead face.

• 1:04:17Caleb Hammer?

  That means you're dead to him.

• 1:04:20Speaker 03

  Thanks a lot.

• 1:04:22Caleb Hammer?

  You're welcome. We bring truth to relationship. Christian.

• 1:04:26Speaker 03

  That feels judgmental. Okay, there you go.

• 1:04:29Caleb Hammer?

  Being truthful? You should be.

• 1:04:30Speaker 03

  This is my card. This is the credit card, but my car loan is underneath it.

• 1:04:35Caleb Hammer?

  It is!

• 1:04:36Speaker 03

  And I just...

• 1:04:37Caleb Hammer?

  Shut up!

• 1:04:38Speaker 03

  Well, I just...

• 1:04:38Caleb Hammer?

  Shut up! Stop! Let me look! Can I just look?

• 1:04:44Speaker 03

  Yeah.

• 1:04:44Caleb Hammer?

  Before you talk? Good death! This must feel... This must be what it feels like to be on the other side of the table for me. It's horrible.

• 1:04:55Speaker 03

  Am I being that bad?

• 1:04:57Caleb Hammer?

  Yes, shut up!

• 1:05:00Caleb Hammer?

  $2,664.94.

• 1:05:05Caleb Hammer?

  Oh, it's for such stu... What's Blink?

• 1:05:07Speaker 03

  My cameras. So I have to pay $10.99 a month for the membership, so the videos save...

• 1:05:12Caleb Hammer?

  $12.78.

• 1:05:13Speaker 03

  Oh.

• 1:05:14Caleb Hammer?

  For your video save where?

• 1:05:16Speaker 03

  On the Blink app.

• 1:05:17Caleb Hammer?

  What?

• 1:05:17Speaker 03

  So if I don't...

• 1:05:18Caleb Hammer?

  For what camera?

• 1:05:19Speaker 03

  For Blink cameras.

• 1:05:22Speaker 03

  I have a front door camera, and I have a camera in my living room.

• 1:05:25Caleb Hammer?

  Oh, this is a security system?

• 1:05:26Speaker 03

  Yeah.

• 1:05:27Caleb Hammer?

  I've not heard of this brand.

• 1:05:28Speaker 03

  Yeah, it's like a Nest... Oh, no, Nest is temperature. It's like a Ring camera, but Blink. I think it's just like a ripoff. Probably.

• 1:05:35Caleb Hammer?

  Okay, that's okay. You are.

• 1:05:37Speaker 03

  Yeah.

• 1:05:38Caleb Hammer?

  That's not a bad thing.

• 1:05:38Speaker 03

  No, but yeah.

• 1:05:39Caleb Hammer?

  Oh, girl, you're not even on autopay.

• 1:05:42Speaker 03

  No. No, but not really any reason why. I just don't... I don't know, I just didn't do it. But I go in and I pay the minimum every month. I paid a hundred dollars a couple of days ago. The minimum right now is probably like eighty-seven.

• 1:05:56Caleb Hammer?

  Ah.

• 1:05:57Speaker 03

  Or something like that.

• 1:05:58Caleb Hammer?

  Okay, I'll do eighty-seven. I don't know why the fuck I'm trusting you for anything.

• 1:06:01Speaker 03

  Well, you can check.

• 1:06:02Caleb Hammer?

  Shut up. Plus Peacock TV.

• 1:06:05Speaker 03

  Yeah, that's the only streaming service, well, and Amazon Prime.

• 1:06:08Caleb Hammer?

  That's the streaming service you chose out of all of them?

• 1:06:10Speaker 03

  Yeah, and I knew you were gonna hate on it, but it's good. They have really good shows on it.

• 1:06:13Caleb Hammer?

  What, Veggie Tales?

• 1:06:14Speaker 03

  No, like The Burbs, that was a really good short series. And New Girl, and The Office, and Parks and Recreation. Those are all my comfort shows. I turn them on when I go to sleep at night.

• 1:06:24Caleb Hammer?

  Apple subscription, DoorDash.

• 1:06:28Speaker 03

  Yeah.

• 1:06:29Caleb Hammer?

  Creature. Peacock again, what the?

• 1:06:32Speaker 03

  Peacock turned.

• 1:06:32Caleb Hammer?

  IHOP!

• 1:06:34Speaker 03

  Oh yeah, we went after church, cuz

• 1:06:36Caleb Hammer?

  Who?

• 1:06:36Speaker 03

  My friend from college, she came into town.

• 1:06:38Caleb Hammer?

  Okay, okay, good. You keep, well, shit, but then you Door dashed immediately after.

• 1:06:47Speaker 03

  I have.

• 1:06:48Caleb Hammer?

  The same day.

• 1:06:48Speaker 03

  Oh yeah, I got Panera that night.

• 1:06:50Caleb Hammer?

  Twilight, spelled very weird, lounge. Very expensive, sixty bucks.

• 1:06:55Speaker 03

  We sat for a couple of drinks.

• 1:06:56Caleb Hammer?

  Jack in the Box. Sat for a couple of drinks, Christian.

• 1:06:59Speaker 03

  Well, I didn't get drunk.

• 1:07:01Caleb Hammer?

  Drinking is still against the rules.

• 1:07:04Speaker 03

  I mean, it depends on.

• 1:07:06Caleb Hammer?

  Depends on how much you wanna cope?

• 1:07:08Speaker 03

  No, well, I guess, yeah. It depends on your interpretation.

• 1:07:12Caleb Hammer?

  Exactly, and everyone has a convenient one. Same with the Muslim couple I had on the show, trust me.

• 1:07:17Speaker 03

  Oh yeah, that was insane.

• 1:07:19Caleb Hammer?

  Yeah, you're that same version on the other side.

• 1:07:22Speaker 03

  Oh. Well, okay, I'm just.

• 1:07:25Caleb Hammer?

  Cowboys Red River. I guess you didn't find one to bounce on that night.

• 1:07:30Speaker 03

  Oh my god, I've never left there with a man. Never.

• 1:07:35Caleb Hammer?

  Oh, I would suggest you should.

• 1:07:37Speaker 03

  Why? They're.

• 1:07:37Caleb Hammer?

  Stop going back to the cheater. Find yourself a nice guy.

• 1:07:41Speaker 03

  I tried that. I tried the church boy.

• 1:07:45Caleb Hammer?

  Oh my goodness, yeah. Lindsay says you go crazy for Jesus merch.

• 1:07:49Speaker 03

  Oh, yeah. Yeah, like my church, if they have, like I said, I told her this the other day, like, I don't care what's in my bank account. If the bills don't get paid, I'm taking it home. And they're expensive. Like I have a set that's like

• 1:08:01Caleb Hammer?

  Can we get Tyler in here, please?

• 1:08:02Speaker 03

  Almost 200 bucks.

• 1:08:04Caleb Hammer?

  Your favorite streamer every day on Twitch is 7pm Central, Tyler. I just need you to say it for me.

• 1:08:10Speaker 04

  Say what? Oh, okay. What's up?

• 1:08:12Caleb Hammer?

  Uh, my personal favorite song, you like the anal song? I like the, my favorite song is the one that's, Jesus Christ is my

• 1:08:21Speaker 04

  Nigga.

• 1:08:22Caleb Hammer?

  That one. You know that song?

• 1:08:24Speaker 03

  I have heard that song, yeah.

• 1:08:26Caleb Hammer?

  That one's great. That's a great song. Okay, thank you, Tyler.

• 1:08:29Speaker 04

  I got you, I got you, always.

• 1:08:30Caleb Hammer?

  Live on Twitch every day, 7pm. Uh, Real, what is it? Real Lindo? I am Lindo every day, 7pm Central time. You'll love him.

• 1:08:41Speaker 03

  That's great.

• 1:08:42Caleb Hammer?

  Let's make sure to put his Twitch in the description for this episode.

• 1:08:47Caleb Hammer?

  Okay, yes, I like that one. So yeah, you spend an insane amount of money on here. This is gonna take now like 18 years to pay off minimum monthly payments only without doing any purchases?

• 1:08:55Speaker 03

  18?

• 1:08:55Caleb Hammer?

  18? Yes, usually when people like you get pregnant and marry a military guy and then get divorced immediately.

• 1:09:01Speaker 03

  I'm not marrying a military guy.

• 1:09:03Caleb Hammer?

  Yeah, but that's what people like you do. But you didn't, so.

• 1:09:06Speaker 03

  And I'm not a baby mama. Well, I mean, well, I have no, I have not had a baby myself. I have.

• 1:09:14Caleb Hammer?

  Abortion? 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.

• 1:09:38Speaker 04

  The number one ranked energy drink is Gamer Subs. Literally, the cherry flavor is insane.

• 1:09:45Caleb 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. 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.

• 1:10:13Speaker 03

  Whoa, no, no, no, no, I did not do that. No, I did not. I've never done that before. I don't plan on that.

• 1:10:19Caleb Hammer?

  Okay, you're just giving very weird signals right now.

• 1:10:21Speaker 03

  Oh, well, because I don't have like a human kid.

• 1:10:25Caleb Hammer?

  With the baby that I met in the green room?

• 1:10:26Speaker 03

  Yeah, I mean, I have her.

• 1:10:28Caleb Hammer?

  Where is he? Where is he? Is he? No, she? She is very cute. Here, audience, I met her. Yeah, she's very cute. We do have a child in the studio today. And she's a beautiful girl.

• 1:10:41Speaker 03

  Baby mama.

• 1:10:42Caleb Hammer?

  And this honestly makes sense because most people that I know that are just like only reptile owners are the most [BLEEP] people. Like, they're actually, they got like brain mush. They're like, look at my reptile. And then they accidentally kill it by like smashing it or something.

• 1:10:59Speaker 03

  Oh, my God, I would never do that.

• 1:11:00Caleb Hammer?

  I know, my friend. My girl, my sweet princess.

• 1:11:07Speaker 03

  Her name is Santana.

• 1:11:08Caleb Hammer?

  Hello, Santana, my sweet girl. Okay, you can hang out. So this will take 18 years to pay off, which is

• 1:11:19Caleb Hammer?

  and that's if you only do minimum monthly payments only without any purchases of which you are incapable of. Because you're going out to eat at least every other day at minimum. Every other day. At [BLEEP] minimum.

• 1:11:31Speaker 03

  Yeah.

• 1:11:32Caleb Hammer?

  Sorry for yelling, princess.

• 1:11:33Speaker 03

  I'm loud a lot, so she's good. You can yell as much as you want.

• 1:11:36Caleb Hammer?

  Yeah, but she at least knows it's coming from like [BLEEP] noises when you yell.

• 1:11:40Speaker 03

  Oh.

• 1:11:43Speaker 03

  I don't yell like that.

• 1:11:51Caleb Hammer?

  Oh, she just, uh...

• 1:11:53Speaker 03

  She's starting to shed, yeah.

• 1:11:54Caleb Hammer?

  She's starting to shed.

• 1:11:55Speaker 03

  Her tail starts first.

• 1:11:57Caleb Hammer?

  My sweet girl, you're so good.

• 1:12:00Speaker 03

  My kids will meet her. They lived for like 20 years. She's like 3 or 4 right now.

• 1:12:04Caleb Hammer?

  And who are you having kids with?

• 1:12:07Speaker 03

  Hopefully, somebody. Hopefully, a man.

• 1:12:09Caleb Hammer?

  Can it...

• 1:12:10Speaker 03

  Hopefully, who's my husband.

• 1:12:12Caleb Hammer?

  I highly doubt you accept women.

• 1:12:15Speaker 03

  Oh, no. Oh, sorry. I love women. I think they're beautiful. I don't swing that way.

• 1:12:23Caleb Hammer?

  Uh huh. So I think that you are gonna pathetically go back to the cheater, unfortunately.

• 1:12:32Speaker 03

  Yeah.

• 1:12:33Caleb Hammer?

  Who is a fan of the show, allegedly, which

• 1:12:36Speaker 03

  He turned, he put me onto it, yeah.

• 1:12:38Caleb Hammer?

  You don't seem to be the best at relationships and staying loyal to a woman. But again, that is 18 years if you do not purchase. You are incapable of not purchasing.

• 1:12:46Speaker 03

  Yeah.

• 1:12:46Caleb Hammer?

  So this will be longer than 18 years.

• 1:12:48Speaker 03

  Well, but here's the thing is I'm hoping, not hoping, I'm working on making my income go up.

• 1:12:53Caleb Hammer?

  Oh, shut the [__] up. This isn't an income issue.

• 1:12:55Speaker 03

  Yeah, it is.

• 1:12:56Caleb Hammer?

  No, you're, no, no, no, no, no, no. Girl, you just spent literally hundreds of dollars going out to eat.

• 1:13:01Speaker 03

  But when I was making $10,000 a month, I was able to pay my credit card off monthly. You can leave her. She probably won't move now.

• 1:13:07Caleb Hammer?

  No, I'm getting her off the paper.

• 1:13:08Speaker 03

  Oh, sorry. Sorry.

• 1:13:09Caleb Hammer?

  Then on here, it's more DoorDash from a different month than CVS and Amazon. Pull up your Amazon. Interest accruing. Surprisingly, no late payments on there.

• 1:13:20Speaker 03

  See, I'm good at it. I, cause I check.

• 1:13:22Caleb Hammer?

  She eats crickets, right?

• 1:13:22Speaker 03

  Uh, not so much anymore. As they get older, they become more herbivore.

• 1:13:26Caleb Hammer?

  Really? She's just eating plants?

• 1:13:28Speaker 03

  Oh, not only, but mainly, yeah.

• 1:13:29Caleb Hammer?

  What does she eat?

• 1:13:30Speaker 03

  Well, so sometimes I have like a freeze dried thing and I'll give her, it's freeze dried mealworms, crickets and grasshoppers.

• 1:13:36Caleb Hammer?

  Are you sure she actually likes this? How would we know?

• 1:13:38Speaker 03

  Um, her, so when she's just like not happy, she like is usually attempting to run away. But then also like this part of her

• 1:13:46Caleb Hammer?

  But also

• 1:13:47Speaker 03

  belly gets black.

• 1:13:48Caleb Hammer?

  I feel like there's in between happy and not happy.

• 1:13:52Speaker 03

  Well, like

• 1:13:52Caleb Hammer?

  How do we know she actively enjoys it? Cause I wanna, I wanna pet her if she likes it.

• 1:13:55Speaker 03

  I know, and she does like it. So this is what I'm trying to tell you. So this part of her chin right here, like she's showing you.

• 1:14:01Caleb Hammer?

  Positioning it.

• 1:14:01Speaker 03

  This part would turn black.

• 1:14:04Caleb Hammer?

  If she didn't?

• 1:14:05Speaker 03

  If she starts to get agitated.

• 1:14:06Caleb Hammer?

  Well, it is right there.

• 1:14:07Speaker 03

  Well, no, but that's why I'm saying the whole bottom of her chin would turn this color black. If she was agitated or like, and it, it's different levels of it. So when she's like

• 1:14:17Caleb Hammer?

  So what? She eats crickets and plants now?

• 1:14:19Speaker 03

  Yeah, mainly plants. She loves zucchini.

• 1:14:20Caleb Hammer?

  This is the autistic section.

• 1:14:21Speaker 03

  She loves carrots make her poop stink, but

• 1:14:26Caleb Hammer?

  Yeah, that's why I couldn't have these kind of creatures. I love them, but I just don't, the whole cage maintenance.

• 1:14:31Speaker 03

  Last three months or do you want?

• 1:14:32Caleb Hammer?

  Yeah, last three months. Do you want?

• 1:14:35Speaker 03

  Well

• 1:14:35Caleb Hammer?

  Yes, just give me your [__] Amazon.

• 1:14:37Speaker 03

  Sorry. You scared her.

• 1:14:39Caleb Hammer?

  Well, that's her problem for being an animal on this show.

• 1:14:42Speaker 03

  I know, I hate it.

• 1:14:43Caleb Hammer?

  I love her, but. Do you got shit to do? Uh, tanning cream. Yeah, I see it. Okay. You have a bunny?

• 1:14:52Speaker 03

  No, tanning cream, no, that was my face wash.

• 1:14:54Caleb Hammer?

  You have a...

• 1:14:55Speaker 03

  It's, it's a skincare line.

• 1:14:57Caleb Hammer?

  You have a bunny?

• 1:14:58Speaker 03

  No, I bought it for her.

• 1:15:00Caleb Hammer?

  Just licked you.

• 1:15:01Speaker 03

  Yeah, that's how she like explores.

• 1:15:04Caleb Hammer?

  Okay.

• 1:15:05Speaker 03

  So, the, that little cage thing.

• 1:15:06Caleb Hammer?

  Brandon will let you explore him like that later.

• 1:15:11Speaker 03

  Um, so, um, I bought that little thing for her, so when I take her out on my patio.

• 1:15:17Caleb Hammer?

  I don't care.

• 1:15:18Speaker 03

  I don't have to worry about her running off the edge.

• 1:15:20Caleb Hammer?

  You got her from a big box of variety snacks.

• 1:15:22Speaker 03

  That was Dylan's.

• 1:15:23Caleb Hammer?

  Oh, this is, this is, there's so much.

• 1:15:25Speaker 03

  Present. I bought him a.

• 1:15:27Caleb Hammer?

  Who?

• 1:15:27Speaker 03

  My ex, I sent him a birthday present.

• 1:15:29Caleb Hammer?

  For sake, what? You don't have money. Uh, dishwasher safe chopsticks, you just don't need chopsticks, though. This is the thing, you don't need that to survive. Soothing cream, soothing cream.

• 1:15:38Speaker 03

  That's skincare still.

• 1:15:39Caleb Hammer?

  Stop, I don't care. Shaped shelves, you don't need it. Clothes that I guarantee you don't need, because you probably already have shit. Yoga mats, multiple.

• 1:15:48Speaker 03

  Well, one's a towel.

• 1:15:49Caleb Hammer?

  A ball pillow, you don't need a ball pillow.

• 1:15:51Speaker 03

  I treated myself.

• 1:15:52Caleb Hammer?

  Uh, uh, the outfit of a dominatrix whore.

• 1:15:55Speaker 03

  Oh my gosh, it's getting returned.

• 1:15:57Caleb Hammer?

  You decided not to be a dominatrix whore any longer?

• 1:16:00Speaker 03

  No, the shorts were too big, it was like a western thing, not a dominatrix thing.

• 1:16:04Caleb Hammer?

  Whore.

• 1:16:06Speaker 03

  Well, at least it's getting returned.

• 1:16:08Caleb Hammer?

  Yeah, you could use a little bit of whoring in your life. Because you're about to go back to a cheater, which is insane. Which is, I've, like, why the is that acceptable? That, oh, the pair is thirty-five thousand. For what? That is insane, that is disgusting, that is unacceptable, why? At twenty-two, what the is wrong with you?

• 1:16:23Speaker 03

  They helped me open my business. And, and pay for school, they laid out the money.

• 1:16:28Caleb Hammer?

  If you're making eighty thousand dollars a year, you're, you animal, why was this not paid off? You selfish beast.

• 1:16:34Speaker 03

  Yeah. Well.

• 1:16:36Caleb Hammer?

  What a response.

• 1:16:37Speaker 03

  I was paying like five hundred dollars a month when I was working.

• 1:16:40Caleb Hammer?

  Remember when he said he runs away if he's not happy? He's trying to run away.

• 1:16:43Speaker 03

  Well, he's probably trying to explore the table, because he was like.

• 1:16:47Caleb Hammer?

  So what is it, run away or explore?

• 1:16:48Speaker 03

  Well, when she's got her tongue out, it's exploring, but if she's black, it, she licked me, remember?

• 1:16:55Caleb Hammer?

  Yeah, like five minutes.

• 1:16:56Speaker 03

  But well, she she did it again after you said that.

• 1:16:59Caleb Hammer?

  Why did you not pay them back? You pathetic creature.

• 1:17:02Speaker 03

  I've made payments on it and I paid them 5,000 out of the number that I got from selling the business.

• 1:17:08Caleb Hammer?

  500?

• 1:17:09Speaker 03

  5,000.

• 1:17:10Caleb Hammer?

  You sold the business?

• 1:17:11Speaker 03

  Yes, I sold the trailer. The business itself didn't like the clientele didn't get sold.

• 1:17:16Caleb Hammer?

  Why?

• 1:17:16Speaker 03

  The ask because I I wouldn't I wasn't able to take it in my logic in my logical mind.

• 1:17:23Caleb Hammer?

  Oh, you do not have a logical mind.

• 1:17:27Caleb Hammer?

  She's more intelligent than you. How much did you sell the trailer for? That would cost 80,000 dollars to build out allegedly.

• 1:17:34Speaker 03

  I don't I don't really remember. I I think it was like.

• 1:17:38Caleb Hammer?

  This was a couple of years ago. Shut the up. Tell me how much you sold it for.

• 1:17:42Speaker 03

  I think it was like 20, but I'm not really sure.

• 1:17:44Caleb Hammer?

  20,000?

• 1:17:45Speaker 03

  Yeah, but it.

• 1:17:46Caleb Hammer?

  And you gave your parents 5,000?

• 1:17:47Speaker 03

  Well, so I think it was less than 20 because I don't think we made our money fully back. So I I thought I had paid some debt off.

• 1:17:55Caleb Hammer?

  I'm calling your dad in the post show.

• 1:17:56Speaker 03

  Oh.

• 1:17:56Caleb Hammer?

  I'm calling your dad in the post show. I'm gonna tell him what you're spending is like today and how your finances today instead of paying it back because it is disgusting and selfish.

• 1:18:03Speaker 03

  Well, I I know.

• 1:18:04Caleb Hammer?

  You haven't made a payment to them since you moved to Texas. When did you?

• 1:18:07Speaker 00

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• 1:18:36Caleb Hammer?

  You moved to Texas?

• 1:18:37Speaker 03

  Last June.

• 1:18:38Caleb Hammer?

  And why'd you pick Dallas?

• 1:18:40Speaker 03

  Um, well, because I just, I don't know. I've never been to Texas before I moved.

• 1:18:45Caleb Hammer?

  But why'd you pick Dallas? That's there's a lot of black people there. You hate them.

• 1:18:48Speaker 03

  I don't hate black people. I told you.

• 1:18:50Caleb Hammer?

  They're chopped.

• 1:18:51Speaker 03

  She's chopped. Again, she could have been white. She could have been anything. She was still chopped. Her skin color doesn't matter. There are very beautiful African American women in the world.

• 1:19:02Caleb Hammer?

  Okay.

• 1:19:03Speaker 03

  She was not one of them.

• 1:19:04Caleb Hammer?

  It's a cope. Oh.

• 1:19:09Speaker 03

  I mean, again, she could have been white. She could have been anything.

• 1:19:11Caleb Hammer?

  So you're not on a minimum monthly payment to your parents?

• 1:19:14Speaker 03

  Not anymore, no. I was paying-

• 1:19:16Caleb Hammer?

  Yeah, because you moved here and decided you wanted to have fun again.

• 1:19:18Speaker 03

  No, well-

• 1:19:19Caleb Hammer?

  Yes, that's what you do. That's where all your money goes.

• 1:19:21Speaker 03

  Yeah, because I was trying to make my quali- I felt like my quality of life should be better. See? No, she's- she won't bite you. So this is what she does when she wants to like explore, but if she was running away distressed, not liking the exploration, her- her whole belly, like her whole underneath would be black. Does that make sense?

• 1:19:42Caleb Hammer?

  Yes, I'm not like you.

• 1:19:44Speaker 03

  Well, you're not responding!

• 1:19:46Caleb Hammer?

  But I'm lis- and some- sometimes it's okay to just listen.

• 1:19:49Speaker 03

  But then how do you know if someone hurt you?

• 1:19:52Caleb Hammer?

  Okay, there's something in here. There was a car loan I saw.

• 1:19:55Speaker 03

  Yeah, that's-

• 1:19:56Caleb Hammer?

  Where is that?

• 1:19:57Speaker 03

  It's connected to Capital One, but it's probably-

• 1:20:00Caleb Hammer?

  I don't see it.

• 1:20:01Speaker 03

  Well, oh, do you not have it? Oh.

• 1:20:03Caleb Hammer?

  Oh, I guess it came after... I mean, we can look at your checking account first. Okay, what do I see here? Um, $0.00. Right. The exact same amount of money that went in went out because you just transferred.

• 1:20:17Speaker 03

  Yeah.

• 1:20:17Caleb Hammer?

  Oh, are you kidding me? So all that money we saw spending on the credit card, when I said she eats out every other day, that's not true. She then eats out the same amount in here. Cowboys Red River, Escapade, Escapade, Uber Trip, Cowtown Coliseum, Cowtown Coliseum, Cowtown Coliseum.

• 1:20:34Speaker 03

  We went to the rodeo.

• 1:20:35Caleb Hammer?

  We? Shut the f- up. We? I don't give a shit. Stop. Shut the f- up. Uber Trip, Walmart, Zellin' Up Money, Cash App, sending out. Who are you sending Cash App money to?

• 1:20:47Caleb Hammer?

  Who are you sending Cash App money to?

• 1:20:49Speaker 03

  I got scammed through Bitcoin.

• 1:20:51Caleb Hammer?

  And you don't think you're getting scammed with the African child?

• 1:20:54Speaker 03

  No. No, no, no. It's a very reliable website.

• 1:20:58Caleb Hammer?

  Longhorn Ice House, I think I almost went there, but I didn't.

• 1:21:01Speaker 03

  I deleted it.

• 1:21:03Caleb Hammer?

  Okay, Walmart, going inside, getting some bullshit.

• 1:21:06Speaker 03

  Do I take a screenshot?

• 1:21:07Caleb Hammer?

  Crumble TJ Maxx, going inside, what are you going inside the gas station getting $4.32?

• 1:21:12Speaker 03

  Probably a snack.

• 1:21:14Caleb Hammer?

  What do you get?

• 1:21:15Speaker 03

  Like a Twix bar or something, because I don't- I don't do energy drinks.

• 1:21:19Caleb Hammer?

  That's okay. That's fine.

• 1:21:21Speaker 03

  Or coffee.

• 1:21:22Caleb Hammer?

  Well, you don't need to do better.

• 1:21:23Speaker 03

  I know! I tried the gamer subs! It's amazing.

• 1:21:28Caleb Hammer?

  But this is an energy drink. This is the hydration version. So this is electrolytes.

• 1:21:32Speaker 03

  Oh.

• 1:21:33Caleb Hammer?

  No energy. This is caffeine free. So here you go. Cause there are caffeine free versions for the electrolyte versions of the drinks. Get your free samples to figure out what flavor you like. Type in and code Caleb at gamer sub that G G link in the description below. Not a scam. And then figure out what flavor you like and it's 40 cents a serving.

• 1:21:52Speaker 03

  Are the cans the same prices? Are they still serving size?

• 1:21:55Caleb Hammer?

  But if you get them like that where you make it yourself, that's where it's cheaper.

• 1:22:00Speaker 05

  Low energy, unfocused, foggy. You might be dehydrated. Gatorade zero powders have been scientifically designed to help improve hydration balance in the body. With a clinically proven electrolyte blend and no artificial colors or flavors. Great tasting hydration, no matter where you're going. Shop now online or at retailers nationwide. Gatorade hydrates better than water. Is it in you? Symptoms noted are signs of mild to moderate dehydration. Consult a healthcare professional if symptoms persist.

• 1:22:28Caleb Hammer?

  TJ Maxx getting some bullshit Sheen. That's doing a lot of heavy lifting. Amazon bullshit, bullshit, Amazon Prime. Ben moving out money, Benihana, In-N-Out, Fashion Nova, Apple Cash, Rock'em, selling out money, Chipotle, bullshit, Reservoir, bullshit, Samus Forest Cash App again, Texas Nail Bar.

• 1:22:55Caleb Hammer?

  Not worth it.

• 1:22:58Caleb Hammer?

  Auto statement. Okay, what's your car?

• 1:23:01Speaker 03

  Um, about 300. It's like 289.

• 1:23:06Caleb Hammer?

  What is your car? You moron. What kind of car do you have? You freaking freak.

• 1:23:11Speaker 03

  It's a 2018 Audi A4.

• 1:23:15Caleb Hammer?

  What are you doing with that?

• 1:23:17Speaker 03

  Driving it.

• 1:23:18Caleb Hammer?

  Isn't that a nice car?

• 1:23:18Speaker 03

  Yeah, it is.

• 1:23:20Caleb Hammer?

  It's worth 9,500.

• 1:23:22Speaker 03

  Yeah.

• 1:23:23Caleb Hammer?

  13,831.45.

• 1:23:25Speaker 03

  I knew I was underwater.

• 1:23:26Caleb Hammer?

  Minimum monthly payment, 295.72.

• 1:23:29Speaker 03

  It's because it has really high mileage. Uh, nine point something.

• 1:23:32Caleb Hammer?

  Oh, that's not good. What's the, what's the mileage?

• 1:23:34Speaker 03

  Uh, over a hundred thousand miles.

• 1:23:36Caleb Hammer?

  Oh. And I bought. Why'd you buy this? After you totaled that last car?

• 1:23:41Speaker 03

  It was the cheapest car on the lot that I could find.

• 1:23:43Caleb Hammer?

  Go to a different lot, you dumb. Weren't you in Dallas?

• 1:23:46Speaker 03

  Yeah, well, so my friend.

• 1:23:47Caleb Hammer?

  You know what, what places have a lot of lots? Texas cities, there are car dealerships every five minutes.

• 1:23:54Speaker 03

  I know. So here's the thing though is I ended up getting a really good deal on this car.

• 1:23:58Caleb Hammer?

  It's at a nine percent, nine percent interest rate of death.

• 1:24:01Speaker 03

  And I'm underwater, but.

• 1:24:02Caleb Hammer?

  And you are underwater. You did not get a good deal. It's at a hundred thousand miles.

• 1:24:05Speaker 03

  I know, but they cut like a couple thousand off of the price.

• 1:24:09Caleb Hammer?

  From their price, not the real price.

• 1:24:12Speaker 03

  They gave it to me for what they owned the car for. My friend works there.

• 1:24:16Caleb Hammer?

  Shut. Oh my goodness.

• 1:24:18Speaker 03

  She helped me get the deal.

• 1:24:19Caleb Hammer?

  I can't, I can't break through. I can't break through. There's no breaking through. Girl, you're lost. Good luck in the rest of life.

• 1:24:24Speaker 03

  I'm gonna do great.

• 1:24:26Caleb Hammer?

  No, you're not. Yeah, get back with the cheater. Get back with the cheater. Good luck. He's gonna knock you up. He's gonna knock you up.

• 1:24:33Speaker 03

  He's not. He's not.

• 1:24:34Caleb Hammer?

  How do you know?

• 1:24:34Speaker 03

  Because.

• 1:24:35Caleb Hammer?

  You on birth control?

• 1:24:36Speaker 03

  No, and I probably never will be. There's other forms of birth control.

• 1:24:41Caleb Hammer?

  What?

• 1:24:42Speaker 03

  Uh, abstinence.

• 1:24:43Caleb Hammer?

  Oh, oh, they're, oh, they're so, she's gonna come back with 10 children. Oh.

• 1:24:50Speaker 03

  Hopefully a wedding ring if I come back with 10.

• 1:24:53Caleb Hammer?

  With a cheater. Pathetic. Okay, four and a half percent interest rate for some loan that is $12,206.9.

• 1:25:01Speaker 03

  That's school, college. I went to Iowa State for like two years.

• 1:25:06Caleb Hammer?

  Of course you did, okay.

• 1:25:07Speaker 03

  I wanted to be a veterinarian.

• 1:25:09Caleb Hammer?

  You belong in the corn and I'm glad you're not because I want my animals to stay alive when there's issues happening.

• 1:25:13Speaker 03

  I'm good with animals.

• 1:25:15Caleb Hammer?

  You're good at being nice to them.

• 1:25:17Speaker 03

  That's really all you have to do to them.

• 1:25:19Caleb Hammer?

  What's darker, his scales or her arm hair?

• 1:25:21Speaker 03

  Oh my gosh, I should have worn long sleeves. Holy shit. You have arm hair too, alright?

• 1:25:29Caleb Hammer?

  Yes, I do. A man. That's weird.

• 1:25:32Speaker 03

  Well.

• 1:25:34Caleb Hammer?

  But.

• 1:25:35Speaker 03

  Whatever.

• 1:25:35Caleb Hammer?

  Usually trad wives just don't have arm hair and I know you want to be a trad wife.

• 1:25:38Speaker 03

  Do you want me to start shaving my arms and make it worse?

• 1:25:44Caleb Hammer?

  No laser hair removal, right?

• 1:25:45Speaker 03

  Sounds like you don't wanna try life. Yeah, do you know how expensive that is?

• 1:25:47Caleb Hammer?

  Yeah, you better go get a man that doesn't cheat on you. That makes good money.

• 1:25:50Speaker 03

  No, I'm gonna reopen my business and just make.

• 1:25:52Caleb Hammer?

  Yeah, if you borrow eighty thousand, remember this, that's how this story ends.

• 1:25:55Speaker 03

  I have to.

• 1:25:55Caleb Hammer?

  She borrows eighty thousand dollars.

• 1:25:57Speaker 03

  Those vans are worth a hundred and fifty thousand dollars. I have to quadruple my debt.

• 1:26:01Caleb Hammer?

  Minimum monthly payment, ninety-one dollars, fifty-five cents. Okay, here's the Mojila.

• 1:26:05Speaker 03

  Yeah.

• 1:26:07Caleb Hammer?

  Okay. Them together is four thousand, four hundred and thirty dollars and seven cents. Minimum monthly payment, fifty-four dollars and sixty-eight cents. Okay, that's not horrendous. I'm sure it's low rates.

• 1:26:22Speaker 03

  Yeah, it's, I, well, I don't know the rates, but I know the payment isn't that bad.

• 1:26:27Caleb Hammer?

  Abstinence only?

• 1:26:29Speaker 03

  Well, no, I mean, obviously, there's like more if you're gonna.

• 1:26:32Caleb Hammer?

  What?

• 1:26:32Speaker 03

  Well, condoms.

• 1:26:33Caleb Hammer?

  Okay, did you guys always wear condoms?

• 1:26:35Speaker 03

  No, not when we were active.

• 1:26:43Caleb Hammer?

  Yes, you are going to get pregnant.

• 1:26:44Speaker 03

  She likes you, I think.

• 1:26:46Caleb Hammer?

  It's because I'm making lots of noises, huh? You wanna lick me? Yes, you do, hello. Do I taste good?

• 1:26:52Caleb Hammer?

  I'm sorry, your mother is.

• 1:26:55Caleb Hammer?

  Hmm.

• 1:26:58Caleb Hammer?

  Okay.

• 1:26:58Speaker 03

  Oh, or she might.

• 1:27:01Speaker 03

  She might shit.

• 1:27:01Caleb Hammer?

  Okay, put her away then.

• 1:27:02Speaker 03

  Yeah, okay. Sometimes she gets like really active when she has to poop because she doesn't wanna poop where she hangs out.

• 1:27:10Caleb Hammer?

  Two thousand ninety-nine dollars in this account down from two thousand, three hundred. Daniel's sharpening?

• 1:27:18Speaker 03

  Yeah, because I need to get my scissors sharpened for work and like my blades and stuff.

• 1:27:23Caleb Hammer?

  Okay.

• 1:27:24Speaker 03

  But that came out of my business account.

• 1:27:26Caleb Hammer?

  Oh, good, she has a business account.

• 1:27:28Speaker 03

  Well, yeah, I have a whole LLC.

• 1:27:30Caleb Hammer?

  Robin Hood, six thousand dollars. And what?

• 1:27:32Speaker 03

  I don't know.

• 1:27:33Caleb Hammer?

  Pull up your Robin Hood.

• 1:27:36Speaker 03

  Almost got scammed.

• 1:27:40Caleb Hammer?

  Poor trad guy that ends up with the, actually no, a lot of trad guys.

• 1:27:44Speaker 03

  I'm great. I'm a good cook, like, I clean.

• 1:27:47Caleb Hammer?

  You want to be actual super trad.

• 1:27:49Speaker 03

  Yeah.

• 1:27:49Caleb Hammer?

  You just want to cook and clean and like.

• 1:27:50Speaker 03

  And pop out babies. Yeah. Yeah. And like, I want to have my business up and running so it's self-sufficient. So.

• 1:27:57Caleb Hammer?

  Isn't that what you want, Brandon?

• 1:27:58Speaker 03

  So when I like, when I go, when I do get pregnant, my business is fully self-sufficient and I just bring in incomes.

• 1:28:04Caleb Hammer?

  Yeah, you're ruining it with your business thing.

• 1:28:06Speaker 03

  I'm just delaying it.

• 1:28:08Caleb Hammer?

  Okay, she just has it all in JP Morgan stock.

• 1:28:12Speaker 03

  Oh, yeah, because I didn't know what else to put it in and I felt like I used Chase as a bank, so.

• 1:28:19Speaker 03

  JP Morgan and Chase Bank, right? Is that wrong? What do you think I should do with it?

• 1:28:26Caleb Hammer?

  And here's the CD of 10,000. That's also just stupid. I don't really see the point.

• 1:28:30Speaker 03

  That's all my small business startups. So that's, that total, like, 18,000?

• 1:28:35Caleb Hammer?

  You owe them.

• 1:28:35Speaker 03

  No, because then I want to be able to open my business again and I want to do that in the year, in this year, in 2026.

• 1:28:41Caleb Hammer?

  And borrow 80,000?

• 1:28:42Speaker 03

  I can't borrow 80,000 without some sort of down payment.

• 1:28:46Caleb Hammer?

  Chat, we are so [bleep] cooked. This account down from 1,000 to 75. No, you're not. And that's your transfers.

• 1:28:51Speaker 03

  You'll see. I'm gonna prove it to you.

• 1:28:53Caleb Hammer?

  Okay, please do, but usually in order to do that, it means you have to do the bad thing in order to do it, so.

• 1:28:58Speaker 03

  What bad thing?

• 1:28:59Caleb Hammer?

  Borrow the money.

• 1:29:01Speaker 03

  Well, yeah.

• 1:29:01Caleb Hammer?

  This time not from someone as forgiving as your parents.

• 1:29:04Speaker 03

  Well, yeah, I'm gonna borrow it from a real bank, but.

• 1:29:06Caleb Hammer?

  Yeah, that's bad.

• 1:29:07Speaker 03

  Oh, well.

• 1:29:08Caleb Hammer?

  Because your parents are letting you not pay the minimum right now because they're flexible. Because life happened.

• 1:29:13Speaker 03

  Yeah, because I'm not making enough money yet.

• 1:29:20Caleb Hammer?

  3,000.

• 1:29:21Speaker 03

  It's an income issue.

• 1:29:25Speaker 03

  Oh, yeah, she's got to poop.

• 1:29:27Caleb Hammer?

  Let her drop, drop those dumps then. I have no problem with it. Okay, minimum debt payments. $528.95. What is your rent?

• 1:29:39Speaker 03

  1350.

• 1:29:41Caleb Hammer?

  And all utilities combined plus internet?

• 1:29:46Speaker 03

  Uh, two hundred.

• 1:29:48Caleb Hammer?

  Okay.

• 1:29:49Speaker 03

  Cause I pay.

• 1:29:50Caleb Hammer?

  Sure.

• 1:29:50Speaker 03

  Fifty, yeah, cause I pay like fifty between forty and fifty for utilities through the apartment complex and then I pay about fifty-two dollars for internet and then I pay between a hundred and twenty to a hundred and sixty dollars for electric. But I think I'm getting screwed over by my electric company.

• 1:30:06Caleb Hammer?

  Oh, you're probably regardless, two hundred twenty dollars. Okay, phone bill and car insurance combined you give to your dad, how much is that again?

• 1:30:13Speaker 03

  Two twenty-five.

• 1:30:15Caleb Hammer?

  Okay, gas, vroom, vroom, drive, drive, how much?

• 1:30:18Speaker 03

  Um, seventy-five every two weeks, so is that a hundred and fifty a month?

• 1:30:26Caleb Hammer?

  How much?

• 1:30:27Speaker 03

  About seventy-five.

• 1:30:28Caleb Hammer?

  A month?

• 1:30:29Speaker 03

  Every two weeks, so like, okay, so let's say like one fifty, one sixty a month. Yeah, yeah, yeah, sorry.

• 1:30:34Caleb Hammer?

  Sorry, okay. Necessary food, three hundred dollars, use the meal plan, make sure you get it by signing up for the annual version of Dolewise.

• 1:30:40Speaker 03

  Yes, I actually spend fifty dollars a week on groceries.

• 1:30:44Caleb Hammer?

  Okay, three hundred, new go out to eat every day. That's your, it's, that's how the math works, a hundred dollars for everything else you need, including your morning after pills that are definitely gonna be needed.

• 1:30:55Speaker 03

  Oh my gosh.

• 1:30:57Caleb Hammer?

  Medical healthcare, how much on a co-pay basis, why not?

• 1:30:59Speaker 03

  Uh, I think my co-pay is only fifteen dollars, but I'm on my parents' health insurance and everything. I'm on my parents' health insurance.

• 1:31:08Caleb Hammer?

  About fifty a month?

• 1:31:09Speaker 03

  Fifteen for a co-pay, like if I go to the doctor, they'll.

• 1:31:12Caleb Hammer?

  How often do you go? What about medications and shit?

• 1:31:14Speaker 03

  I pay twenty bucks every three months for medications.

• 1:31:18Caleb Hammer?

  Okay, I'll just, uh, you just put it in then, I'm just gonna put five bucks. Is there a gym?

• 1:31:23Speaker 03

  Yes.

• 1:31:23Caleb Hammer?

  How much?

• 1:31:24Speaker 03

  Uh, like thirty bucks.

• 1:31:25Caleb Hammer?

  Good. How much for pet food, pet care, all that stuff for him?

• 1:31:29Speaker 03

  Uh, super, oh shah, she shit.

• 1:31:31Caleb Hammer?

  Just how much?

• 1:31:32Speaker 03

  Um, I don't really spend a lot, probably twenty bucks a month.

• 1:31:36Caleb Hammer?

  Is it stinky?

• 1:31:37Speaker 03

  Well, no, but I just sit down and she shit, well, I might be stinky.

• 1:31:42Caleb Hammer?

  Proud of her, anything else that needs to be in the budget?

• 1:31:47Speaker 03

  Uh, well, not necessity, I don't think.

• 1:31:51Caleb Hammer?

  Stop freaking out about it, the animal. Oh, subscriptions, I'll put forty. Why? She pooped. Isn't that what the cage is for?

• 1:31:56Speaker 03

  Well, yeah, but it's her travel cage, so I don't want her to like sit in it.

• 1:31:59Caleb Hammer?

  You didn't think she was gonna poop in your three hour drive down, three hour drive up and three hours here?

• 1:32:03Speaker 03

  She didn't shit on her twenty-four hour drive from Jersey to Texas.

• 1:32:07Caleb Hammer?

  You've been feeding her. Well, you're basically break even. Listen, it's two thousand nine hundred eighteen dollars and ninety-five cents, and I'm sure we're missing some shit, and you make three thousand dollars a month. So here's the reality. You are not gonna be able to pay off your debt, especially with your mindset. You're gonna go into more debt in order to open this business, and good luck on all that shit.

• 1:32:23Speaker 03

  But it's proven to be successful.

• 1:32:25Caleb Hammer?

  You're not gonna pay your, in a different place with the generosity and flexibility of your parents. Now you're gonna have a minimum payment of this loan that is gonna be tied to something, most likely, good luck. But either way, doesn't matter. Here's the reality. Go make an extra thousand dollars a month by working another job, or by working more hours there, getting more clients, posting social media more, if that's what you need to do.

• 1:32:45Speaker 03

  Yeah.

• 1:32:45Caleb Hammer?

  And when you do that, you will be able to pay off your bad debt in less, well, actually, okay.

• 1:32:53Caleb Hammer?

  You'll be able to pay off your Quicksilver card in a couple of months, and then honestly, just use the, it used to be called the Fizz Card, now it is the Mind Card. Use that. Depocard that builds credit, only allows you to spend it in your checking account. Stop using the Quicksilver. I'll get you a accounting certification from Course Careers, that'll help you run your business, and I want you to see if you can start small instead of borrowing so much. Get rid of debt before you go into this thing, because you're just gonna accumulate so much risk, and it makes no sense.

• 1:33:21Speaker 03

  Can I ask you a question about that, though?

• 1:33:23Caleb Hammer?

  Yes.

• 1:33:23Speaker 03

  So, I know you're not in support of this small business loan, but, so to get the small business loan, I need to have a certain number of lines of credit open, so I was under the impression...

• 1:33:33Caleb Hammer?

  I'm not saying close any.

• 1:33:34Speaker 03

  Well, but if I pay it off...

• 1:33:35Caleb Hammer?

  It's a line of credit, still.

• 1:33:37Speaker 03

  Even if it's a zero?

• 1:33:38Caleb Hammer?

  Just put your gas on it, dude. You'll be fine.

• 1:33:40Speaker 03

  But that's only one line of credit, is the credit card. Aren't the, aren't the car loans and those, aren't those technically lines of credit?

• 1:33:47Caleb Hammer?

  Before you even touch it, but even still, it doesn't, it doesn't matter.

• 1:33:50Speaker 04

  She was getting close to her foot, sorry. Oh, she was out and about.

• 1:33:53Caleb Hammer?

  I didn't know that. I almost crushed her.

• 1:33:58Caleb Hammer?

  Listen, I don't know. I honestly don't believe anything good's gonna happen here. So I, whatever. But listen, you just have to go make more money and then you can pay off debt. I would just do smalls, large sales, pay it off minimum payments and student loans until it's done. Same with the parents. And you just gotta treat them with respect before you get more debt. And I think this business thing is stupid, but whatever. Guys, I'm gonna do the Hammer Financial Score. But first, make sure you join us for the post-show. It's gonna be good. I'm gonna call her down and confront her. Also.

• 1:34:21Speaker 03

  Oh, no.

• 1:34:23Caleb Hammer?

  Delilah went to jail. What the? We will learn about that. What the? Okay. What the? Okay. Spending money in a budget, overspent, zero out of 10. Debt, no collections. Your parent debt, that's not great. It's gonna be a two out of 10. Emergency fund? Nothing really. A CD, it kind of works. I'll give you a five out of 10 there. Retirement? Twenty-two, you're not expected to have too much at this point.

• 1:34:47Speaker 03

  I don't have anything.

• 1:34:49Caleb Hammer?

  Shut the fuck up. And the Chase thing is a decent start. I'll give you a two out of 10. I'm just being generous. Real estate, zero out of 10.

• 1:34:57Caleb Hammer?

  Hey, I learned to shut the fuck up like a good trad wife.

• 1:35:02Speaker 03

  Yes, sir.

• 1:35:04Caleb Hammer?

  You know what the commies are. I'm not looking for trad. I don't give a fuck about that shit. That's not me. Brandon would like it. I like a woman who can speak out. Gives me an excuse to hit her. That's a two out of 10.

• 1:35:13Speaker 03

  Did I not just speak out? I feel like I'm hittable, like, by the way that I speak.

• 1:35:17Caleb Hammer?

  I was making a joke. Guys, we have a lot to talk about in this post-show. Make sure you join Hammer Elite. It's incredible. Best membership on YouTube. And premium shows every single day. Monday, Tuesday, Wednesday, Thursday, Friday, Saturday. See you there. Call your dad.

• 1:35:29Speaker 03

  Right now?

• 1:35:30Caleb Hammer?

  Right now. Hey, I wanna talk to you about this debt that your daughter owes you of $35,000.

• 1:35:36Speaker 04

  Yeah, yeah. When can I get paid?

• 1:35:39Caleb Hammer?

  That feels like a betrayal to me, honestly.

• 1:35:41Speaker 04

  How do I go about getting my money back? Cause that's my retirement.

• 1:35:44Caleb Hammer?

  Zelle, Venmo, Cash App.

• 1:35:46Speaker 04

  Talk about being taken advantage of, right?

• 1:35:48Caleb 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.

• 1:36:06Speaker 06

  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 House Majority PAC dot com. Not authorized by any candidate or candidate's committee.