EBT Final Boss | Financial Audit

*Save over 67%!!!!* Get a full year of Dollarwise, my 4-course education bundle, SIGNED meal plan, and PDF download of my cookbook. Don't be dumb, deal won't last long: https://go.dollarwise.com/sun *WAIT WAIT WAIT WAIT* - Is she cheating on him?!?!? This is why he feels like he can keep doing his AI gooning, because she still gets with *HER EX* watch the post show: ➡️ https://bit.ly/chpostshow Tyler's Twitch: https://www.twitch.tv/iamlindo ============================= 👉 Checking & Savings: Get a $200 bonus and earn 3.75% APY on your Savings with Chime®: https://secure.moneymatchup.com/chime-caleb-website 🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb 🔥 Get Your Own *Hammer Financial Score* → https://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 Check out Zocdoc and stop putting off those doctors appointments. Go to https://zocdoc.com/CALEB to find and instantly book a top-rated doctor today. ============================= *Education* ============================= 👉 Get access to EVERYTHING I offer all in one place: https://bit.ly/4sUm2pb ⚡️Learn how to budget: https://bit.ly/4sspyGh ⚡️Learn how to invest: https://bit.ly/41mr8OP ⚡️Pay off your debt: https://bit.ly/41mr8OP ============================= *Check Out My Resources* ============================= 👉 Checking & Savings: Get a $200 bonus and earn 3.75% APY on your Savings with Chime®: https://secure.moneymatchup.com/chime-caleb-youtube-disc 👉 Land a high-paying job with no experience or degree: ➡️ https://coursecareers.com/CalebHammer 👉 See if refinancing your high-interest debt saves money. Checking is free. → https://bit.ly/4vLOStU 👉 Get FREE MONEY by investing with Public! https://secure.moneymatchup.com/public-caleb 👉 Find the best credit cards for you with my quiz! https://cards.calebhammer.com/yt 👉 Get $20 from Acorns for free: ➡️ https://acorns.com/caleb 👉 Helium Mobile: Use promo code CALEB for a FREE plan ➡️ https://hellohelium.com/ 👉 Protect your online privacy and security for free with Aura: ➡️ https://aura.com/hammer ============================= *Chapters* ============================= 00:00 Intro 02:25 Oh I Guess She's The Host Now. 03:15 Jobs & Income 12:14 Okay So We Brought In A Translator lol 15:00 D1 Gooning 17:30 He's Talking To AI WOMEN??? 30:00 Shes His Biggest Opp lol 32:45 HE DID WHAT AFTER DOING WHAT? 44:40 Shes Sending Money To HER EX??? 55:50 Chat, Will They Stay Together? 01:10:30 I Love Irresponsible Drivers :slightly_smiling_face: 01:16:45 Imagine Getting Sued By Your Mom 01:25:30 FOUR CAR ACCIDENTS 01:27:15 They WILL Garnish Him 01:32:00 Bullsh*t Bullsh*t Bullsh*t 01:42:00 Budget!! 01:47:00 Hammer Financial Score ============================= 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

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

• 0:29Speaker 01

  Kayak searches and compares hundreds of travel sites. But unless I repeat the word kayak, Kayak thinks you won't remember that. So Kayak asked me to say kayak as many times as possible. Kayak. Kayak. Kayak. Kayak. Kayak. Kayak. Kai.

• 0:49Speaker 00

  Ooh.

• 0:49Speaker 01

  Ak. Kai, Kai, Kai, Kai, kayak. Kayak, kayak, kayak.

• 0:53Speaker 00

  Kayak.

• 0:54Speaker 01

  Search, compare, and save on your trip. Kayak, got that right.

• 0:59Caleb Hammer?

  To watch episodes of Financial Audit a week earlier, check us out on YouTube. She got a black eye. She cried for 20 minutes. He sent it to you and you [BLEEP] baited the anime [BLEEP] on an AI site. When she was telling the story to Colton in the pre-production, you muted her phone so she couldn't finish the story.

• 1:14Speaker 03

  I was trying to figure out where she was going with it.

• 1:17Caleb Hammer?

  Why should that matter? Should she not be able to tell the truth?

• 1:20Speaker 04

  He said I cried too loud for him.

• 1:21Speaker 03

  Because she doesn't cry right.

• 1:23Caleb Hammer?

  Pause, pause. Nigga, people read books. You're paying for your [BLEEP].

• 1:27Speaker 04

  I'm just paying for it.

• 1:28Caleb Hammer?

  You pay for AI hosts. What is being said right now? Ten dollars. The summer budget reset is now live. Get a full year of Dollar Wise Premium plus my four bestselling educational courses and a digital copy of my budget-friendly cookbook and my exclusive 30-day meal plan signed by me and mailed directly to you. This is a better deal than we've ever done before and it's only for a limited time. It is 67% off everything. So don't wait until that first pool party to get financially ripped. Click the link below. Save big, claim your bonuses now.

• 2:02Speaker 03

  Hey, uh, hey, yo, this is Titus, 31 years old.

• 2:07Speaker 04

  Nobody told me to turn it off. I'm sorry.

• 2:09Caleb Hammer?

  What? Lie. And what's your name?

• 2:10Speaker 04

  No, they didn't tell me that.

• 2:11Caleb Hammer?

  Liar.

• 2:12Speaker 04

  Like, for real.

• 2:13Caleb Hammer?

  Name, name.

• 2:13Speaker 04

  Hi, my name is Beth. I'm 29 and we live in DFW, Texas.

• 2:19Speaker 03

  And this is Financial Audit.

• 2:22Speaker 03

  You're bad at following instructions.

• 2:25Speaker 04

  Nobody told, I swear, nobody told me to turn the sound off.

• 2:27Speaker 03

  I turned the sound off before we even got into the building. How did you not know?

• 2:32Caleb Hammer?

  That's just being played in public. You guys played the reverse card.

• 2:36Speaker 04

  I didn't even have it. Like, since we've been here, this is the first time I got my phone.

• 2:40Caleb Hammer?

  Titus didn't get that one.

• 2:41Speaker 03

  Look, look, look, look.

• 2:43Caleb Hammer?

  This is a good joke.

• 2:44Speaker 03

  Alright, B. Alright.

• 2:45Caleb Hammer?

  Hey, you're in front of me right now, Titus. I wanna know what you do for a living in Detroit-Fort Worth area. Dallas, Dallas-Fort Worth area.

• 2:51Speaker 03

  Yeah.

• 2:52Speaker 04

  Detroit.

• 2:54Caleb Hammer?

  Detroit. That was not a black thing.

• 2:58Speaker 03

  I wanna say it's not a black thing, but I can't say I don't smell the smithereens. Um, I work at the college locally.

• 3:03Speaker 04

  Okay, so before we even bother.

• 3:05Caleb Hammer?

  Hold on, are you gonna?

• 3:06Speaker 04

  No, yeah, no, we're gonna ignore him. Before we even get into it, that's not even our main reason that we wanted to come here.

• 3:11Caleb Hammer?

  That's fine. I'm just trying to get what he does for a living.

• 3:13Speaker 04

  But we're gonna move on from that part for a moment. So, um, our whole main reason is because, so I wanted to come on here 'cause she's terrible with finances, yeah? But then come to find out that he's like paying to like sext AI.

• 3:31Speaker 03

  Why are we doing this now? Like, this is all the-

• 3:33Speaker 04

  Because it's the main reason I wanted to come on the show.

• 3:35Speaker 03

  What about the-

• 3:36Speaker 04

  He's like literally like paying to sext with AI.

• 3:40Caleb Hammer?

  That may have been my follow-up question, if you'll let me get there.

• 3:43Speaker 03

  Hold on, hold on, hold on. Back it up. First of all-

• 3:46Speaker 04

  I feel like it's important.

• 3:47Speaker 03

  No, it's not important because we're talking about the financials, alright? We're talking about getting that shit right, you know, the career course, all that, that, boo. That you got me coming here for. All you did was walk in and say we're going Austin. I don't-

• 3:59Speaker 04

  Where do you work? What do you do for a living?

• 4:01Caleb Hammer?

  Oh wow, that was my question.

• 4:03Speaker 04

  Oh, was it your question? Okay, what do you do for a living?

• 4:05Speaker 03

  Like, you don't know, cuz, alright, listen. Uh, I work at the food services with the college, uh, that's nearby.

• 4:11Caleb Hammer?

  Cook?

• 4:11Speaker 04

  Sort of.

• 4:12Speaker 03

  Yes, sort of. I supervise.

• 4:13Speaker 04

  He's a manager.

• 4:13Caleb Hammer?

  Or chef?

• 4:14Speaker 04

  No.

• 4:14Speaker 03

  No.

• 4:15Caleb Hammer?

  You're not chef?

• 4:16Speaker 03

  Not chef, supervisor.

• 4:17Caleb Hammer?

  I love chef, he was my favorite.

• 4:18Speaker 05

  I'll take three lunches today, please.

• 4:20Speaker 00

  You don't need three lunches, Eric. You're fat enough as it is.

• 4:24Speaker 03

  Now that was a black thing.

• 4:26Caleb Hammer?

  Uh huh.

• 4:26Speaker 03

  Okay, great. Alright, now we don't, now we understand. First of all, I ain't gonna call you racist, but I'm gonna smell the smitherings on you.

• 4:32Caleb Hammer?

  I don't know what that is.

• 4:33Speaker 04

  I don't know what that is.

• 4:34Speaker 03

  Look, this, this, this, this little, this little drippings of racism that just shine on everybody every once in a while.

• 4:41Caleb Hammer?

  I have drippings of prejudice against everyone. That's not me.

• 4:44Speaker 03

  You know what? Actually, that is, that is a fair point.

• 4:47Caleb Hammer?

  Including Lindsay for being a ginger, including her for the rainbow.

• 4:50Speaker 04

  You have a lot of gingers here. I walked in and I was like, I've never seen so many gingers in one room.

• 4:56Caleb Hammer?

  Double.

• 4:56Speaker 03

  You've never seen two gingers in one room?

• 4:58Speaker 04

  There's another one.

• 4:59Caleb Hammer?

  Prejudice of Colton for the gay, prejudice of Brandon for being [BLEEP]. I'm prejudiced of everyone.

• 5:04Speaker 03

  Shit, alright.

• 5:06Speaker 04

  Oh yeah, you didn't know that, Brandon? That's why you didn't say hi to him when he came in.

• 5:09Caleb Hammer?

  He's not, he's not. These are just allegations. Made by me right now. Titus, Titus, what do you, what do you make being this manager?

• 5:18Speaker 03

  Uh, yeah, so, um, let's see, okay, the, the hourly rate is sixteen right now, cause I just started last year.

• 5:25Caleb Hammer?

  That's not great.

• 5:25Speaker 03

  That's not great. I make-

• 5:27Speaker 04

  He makes time for anime [BLEEP] though. So.

• 5:30Caleb Hammer?

  We will get into that, I promise.

• 5:32Speaker 03

  We will likely get to that.

• 5:34Caleb Hammer?

  We will get into it.

• 5:35Speaker 03

  We will likely get to that, but we trying to do the [BLEEP] that we supposed to start with. Alright, can we start with the [BLEEP] we supposed to start with and then we can go on to the other [BLEEP]? Okay, cool. Alright.

• 5:43Caleb Hammer?

  Wow. Is this how every conversation goes in the house?

• 5:46Speaker 03

  Shelly speaking.

• 5:47Caleb Hammer?

  Do we have any conversations ever?

• 5:48Speaker 03

  Never. Um, so.

• 5:50Speaker 04

  It always ends with me being right and him leaving and then we're good. So it's fine.

• 5:54Speaker 03

  I make four, like about twelve hundred a check every two weeks. That comes out twenty-four a month, sir.

• 6:01Caleb Hammer?

  Twenty-four hundred a month?

• 6:02Speaker 03

  Yeah.

• 6:02Speaker 04

  Yeah.

• 6:03Caleb Hammer?

  Net?

• 6:04Speaker 03

  Yeah.

• 6:05Caleb Hammer?

  Or gross?

• 6:07Speaker 03

  That's net.

• 6:08Caleb Hammer?

  No, no, no, that works, that works.

• 6:09Speaker 03

  Yeah.

• 6:10Caleb Hammer?

  Alright, that's good, that's a good start.

• 6:12Speaker 03

  Yeah, that, that come out, yeah. If I work the full week, yeah.

• 6:15Caleb Hammer?

  Do you usually work the full week?

• 6:16Speaker 03

  I usually work the full two week, but sometimes, uh, she'll have some kind of issue at the house that I have to come home early for and whatever.

• 6:22Caleb Hammer?

  Are you having issues at the house?

• 6:23Speaker 04

  Baby. My baby hurts himself a lot. There is a baby.

• 6:28Caleb Hammer?

  Just one?

• 6:28Speaker 04

  Just one.

• 6:29Caleb Hammer?

  One kid?

• 6:30Speaker 04

  One kid. Thank God.

• 6:34Caleb Hammer?

  And it's yours?

• 6:35Speaker 03

  Yeah, it's mine.

• 6:36Caleb Hammer?

  And you're still here?

• 6:36Speaker 03

  And I'm still here. Yeah. This is why I'm the better part of the black race. You know, it's the better part.

• 6:41Caleb Hammer?

  Race, whoa!

• 6:44Speaker 03

  Look, look, look, race was kinda crazy. I didn't mean that. Race was crazy, but...

• 6:48Caleb Hammer?

  We are the human race.

• 6:49Speaker 03

  The human, yeah.

• 6:52Speaker 03

  And then, alright, I see what you like. I see what you like, you [BLEEP]. Alright, I got you both.

• 6:58Caleb Hammer?

  That was hard. I was taking a knee.

• 7:01Speaker 03

  No, no, like, no, like, in endearment. I call, you know, you know.

• 7:05Caleb Hammer?

  I was taking a knee over here and not on the neck either. So like, I was, I was being good. He black powered you, like...

• 7:12Speaker 03

  I see what you like, bro. It's alright though, it's alright. I respect it in the general sense.

• 7:19Speaker 03

  I'm watching out for you, young man.

• 7:21Caleb Hammer?

  Okay. Trust me, we've been watching out for you the moment you turn the corner on the block.

• 7:25Speaker 03

  This boy is crazy.

• 7:27Caleb Hammer?

  My security guard, his hand was on the...

• 7:30Speaker 04

  So, no, tell me why we were in the parking lot, you walked [BLEEP] past us and I saw you, and he was like, "Oh my god, is that Caleb?" And I was like, "Oh my god, that is him." And you looked so [BLEEP] mean to me and then walked past me and went inside. And I was like, "Okay." I was like, "Fuck you too, Caleb."

• 7:48Caleb Hammer?

  I believe I said, "Good morning, friends."

• 7:50Speaker 04

  No, you didn't say anything.

• 7:52Speaker 03

  First of all, you didn't, but can we let the whole boy do his job, dog? Let him do his job.

• 7:56Speaker 04

  He was in the parking lot.

• 7:57Caleb Hammer?

  Well, where were you in the parking lot? I don't know, there's...

• 7:59Speaker 04

  As soon as you came in.

• 7:59Speaker 03

  Look, as soon as you came in.

• 8:00Caleb Hammer?

  There's just [BLEEP] people in the parking lot. I don't know who you guys are. I don't know who's coming on the show.

• 8:04Speaker 03

  That's exactly what I was trying to tell her. But she don't, she don't listen.

• 8:07Caleb Hammer?

  Were you in my way?

• 8:08Speaker 04

  No.

• 8:09Speaker 03

  Probably, I was in the car.

• 8:11Speaker 04

  We were in the whole car.

• 8:12Caleb Hammer?

  Oh, I do remember you. I did see a black van.

• 8:14Speaker 03

  Yeah.

• 8:15Caleb Hammer?

  And a car.

• 8:16Speaker 04

  It was pure excitement on my side, because I was so excited.

• 8:18Caleb Hammer?

  Well, that's great. Well, that's great. He was, he was blocking me because he was next to a truck.

• 8:23Speaker 04

  Because he was black?

• 8:24Caleb Hammer?

  No, he was blocking me.

• 8:25Speaker 03

  Not, not blocking him.

• 8:26Caleb Hammer?

  And then I backed up like the nice guy I am. And then he went in a parking spot that I went parked. I got out of the car, made it almost to the front of the building, and he was still taking like 30 turns to try to get into four parking lots. So yes, I was giving dirty looks. Because who the [BLEEP] is that [BLEEP] with parking?

• 8:40Speaker 04

  I mean, he's not good.

• 8:41Speaker 03

  Okay, now...

• 8:41Speaker 04

  Even with the backup cameras, he still can't park straight.

• 8:44Speaker 03

  First of all, I don't back in the bar...

• 8:46Caleb Hammer?

  I don't get, I need to get basic information here, guys.

• 8:48Speaker 03

  Please, god.

• 8:49Caleb Hammer?

  Beth.

• 8:50Speaker 03

  Let me chill.

• 8:51Caleb Hammer?

  Beth.

• 8:52Speaker 04

  Yeah?

• 8:52Caleb Hammer?

  What do you do for a living?

• 8:53Speaker 04

  I am a stay-at-home mom.

• 8:54Caleb Hammer?

  Okay, because of the kid. How old's the kid?

• 8:56Speaker 04

  Six months. Me just that.

• 8:59Caleb Hammer?

  Take a lot of ibuprofen at this episode.

• 9:02Speaker 03

  You have no idea, young'un.

• 9:04Speaker 04

  It's gonna get worse.

• 9:04Caleb Hammer?

  Did you have a job? When are you getting back into it, if at all? Well, twenty-four, you guys are not gonna survive in the Dallas-Fort Worth area on twenty-four hundred and nine.

• 9:13Speaker 04

  So I did have a job before him. He was in accidental pregnancy. I worked at Walmart for seven years. I made like twenty something dollars an hour. I did good. I made, I made pretty good money there.

• 9:24Caleb Hammer?

  Well.

• 9:24Speaker 04

  Um, for being at Walmart, I made pretty good money there.

• 9:27Caleb Hammer?

  That's fine, yeah. Okay, I mean, that's fine. I mean, I just care about what money's coming in in general. So what was your per picture? Is that where you're going back?

• 9:34Speaker 04

  No.

• 9:34Caleb Hammer?

  And by when? Okay, so I guess it doesn't matter.

• 9:37Speaker 04

  Yeah, nah.

• 9:37Caleb Hammer?

  Well, are you going to get into jobs to pay for, I guess, AI girlfriend masturbation stuff? We got a budget to spend.

• 9:46Speaker 03

  We'll get into that, but I, I, I got some shit done.

• 9:49Speaker 04

  Before we had the baby, I was like the main financial person. So I was the one that paid pretty much all the bills, took care of everything.

• 9:56Speaker 03

  It's not like I didn't have a job. There was a point in time I didn't have a job, but I.

• 9:59Speaker 04

  Multiple times. He's, I had one job in the time we've been together. He had about fourteen jobs.

• 10:04Speaker 03

  I've had five.

• 10:05Speaker 04

  But I was the main financial person. I paid pretty much everything, um, and when he didn't work. But then had the baby, had a lot of complications, had a major C-section, all the roughies. Um, so I couldn't go back to work for a while. And then I just didn't want to leave my baby. So I've been trying to find a job at home to where I can work from home, but also so I can go back to being the one that takes care of all the finances.

• 10:27Caleb Hammer?

  So like, what kind of job, like, what would you make? What are the, the customer service at home or what?

• 10:31Speaker 04

  Yeah, like from home, but I've looked.

• 10:33Caleb Hammer?

  Okay, so you, you don't have a job, you're not getting a job.

• 10:35Speaker 04

  No.

• 10:35Caleb Hammer?

  Titus, what were you going to bring up to her right there?

• 10:38Speaker 04

  Yeah, what were you gonna say?

• 10:38Speaker 03

  So, so, look, I did have a plethora of jobs that I've lost on various cases of bullshit.

• 10:46Speaker 04

  All fired from?

• 10:47Speaker 03

  Not, no, various cases. One was a contract that ends, that's not being fired. And the other part of that was because I was working from home. By the way, I used to be in pharmacy, so you know, right? And that's street pharmaceutical tech, the actual pharmaceutical tech.

• 10:59Caleb Hammer?

  Well, that was my follow up.

• 11:00Speaker 03

  That was your follow up, yes, okay. So I worked CVS, uh, bullshit happened there, left there, went to Walgreens. Got in an argument with her during my shift. Calls me to hand somebody the wrong medicine for the fifth time and like.

• 11:16Speaker 04

  Okay.

• 11:16Caleb Hammer?

  Why are you at his job?

• 11:18Speaker 04

  I wasn't at his job.

• 11:20Speaker 03

  But she was, she was.

• 11:21Speaker 04

  He was texting me and for the record, he had done it four previous times, all on his own.

• 11:26Speaker 03

  Okay.

• 11:26Caleb Hammer?

  Well.

• 11:27Speaker 04

  So he blames me for the whole thing. He did it for a previous time on his own.

• 11:32Speaker 03

  No, no, no, no, no, no, no, no, no. But here's the thing though. I already told you that, hey yo, I'm on my last strike of five. Can we complete this conversation later?

• 11:41Speaker 04

  Five strikes.

• 11:42Speaker 03

  Then can we complete this conversation later? Then I ended up handing some lady who had the same name to some other lady's medicine and then they like, they didn't want to be understanding about it. That's not my fault.

• 11:51Speaker 04

  He had the capability. I wasn't on the call or anything. It was over text. He had the capability and not to text me back for a minute.

• 11:56Speaker 03

  Well, you kept talking shit. Like what do you want me to do?

• 12:00Speaker 04

  Okay.

• 12:00Speaker 03

  I can't let you, cause you just, you just, you get, you get in your head where you believe whatever you want to believe about whatever the situation is. And then, and then like you just kind of stacks on top of each other.

• 12:09Speaker 04

  You're giving Caleb a headache.

• 12:11Caleb Hammer?

  So that's what you were trying to bring up?

• 12:13Speaker 04

  Me?

• 12:13Speaker 03

  Yeah. Okay. She was, she was bringing up.

• 12:16Caleb Hammer?

  No, no, no, no, no. What's Titus just saying?

• 12:18Speaker 03

  You're talking to me now. Oh, thought. Look, look. She's talking about the many a jobs I had, right? The jobs that I have lost due to her is a part of this conversation too. So the.

• 12:30Caleb Hammer?

  I'm sorry.

• 12:32Speaker 03

  Look.

• 12:33Caleb Hammer?

  Pause. Pause, pause. Can we please bring in Tyler and set up a fourth mic?

• 12:40Caleb Hammer?

  I'm just, I just need a little translating here. I'm, I'm losing it.

• 12:45Speaker 04

  Oh no.

• 12:48Speaker 03

  We got a black, is that what Big Man is? Big Man's a black translator?

• 12:51Speaker 04

  You need a black translator.

• 12:53Speaker 03

  Oh, apparently I, the job. Plethor, was it, was the word plethora?

• 12:58Speaker 04

  I told you, you're gonna use too big of words and he's not gonna understand you. He dropped out of college.

• 13:02Caleb Hammer?

  Okay. So this is Tyler. He's gonna be my, I need a little translating.

• 13:06Speaker 03

  Oh, you need some translating? I got you.

• 13:08Caleb Hammer?

  A little bit of translating. Okay. So, so as you were saying.

• 13:11Speaker 03

  Okay. I have had, since we've been together.

• 13:15Caleb Hammer?

  Now he's speaking like.

• 13:17Speaker 03

  I'm speaking slightly slower.

• 13:19Speaker 04

  He was using too big of.

• 13:20Caleb Hammer?

  No, you be you. I have him for my support.

• 13:22Speaker 03

  Okay, so check it out. I had, I have had a plethora of jobs before, okay? But the job, the amount of jobs I have lost due to her is a part of the conversation too. It ain't just me just like getting, getting around and getting knocked out of my jobs and shit. This is like, this is like a team deal, like, you know, she's been a part of my life through all these jobs and seen she's been, there's been a reason that she has been a part of the reason why I lost some of these jobs.

• 13:46Speaker 04

  Good job.

• 13:47Speaker 03

  Some of these jobs. You, you a part of what? One job?

• 13:49Caleb Hammer?

  Pause.

• 13:50Speaker 03

  Or that you've only had one?

• 13:51Caleb Hammer?

  Pause.

• 13:51Speaker 04

  Thank.

• 13:53Speaker 06

  So he basically said, it's not only him, it's not only his fault that he's losing these jobs. It's also her fault too, that he's losing these jobs. So it's not just him, it's her and it's a collective effort between the both of them.

• 14:03Caleb Hammer?

  So why are you in, why are you like harrying him and his jobs?

• 14:06Speaker 04

  One job.

• 14:07Speaker 03

  One job is what?

• 14:08Speaker 04

  He blames me for two jobs. The second job was his at-home job. And it's because I was there.

• 14:14Caleb Hammer?

  Oh, no, no, no, no, no.

• 14:15Speaker 04

  No, no, no, I didn't.

• 14:15Caleb Hammer?

  Let him say why, how you fucked it up.

• 14:17Speaker 04

  I want to know your reason before I say the real reason.

• 14:19Speaker 03

  Before, eh, eh, eh, the bush, right, let's talk about it.

• 14:22Speaker 04

  Talk about the at-home job.

• 14:24Speaker 03

  I'm at home, I'm on the computer, clickety-clackin', all that, right? You come home from, I, I leave, I leave during my lunchtime, pick you up from work, take you home, go back on the computer, click, clack shit, right? Then, what happens? Then what happens?

• 14:39Speaker 04

  Hey, baby!

• 14:41Speaker 03

  I come across the room, hey, baby! Oh, you were having it, man, the bread was real fucked up at work today, type shit. What are we, what are we doing?

• 14:48Speaker 04

  Okay, I would only do that.

• 14:49Caleb Hammer?

  I just need to understand.

• 14:51Speaker 06

  Yeah, yeah, so, uh, basically what he said was, listen, um, I got a call while I was doing my work at home on the computer, I got a call, I had to go pick you up and stop my work. So I had to go and get you, and then I brought you back, and then when I went back on the computer, you just started yapping a bunch of bullshit.

• 15:04Speaker 04

  It was during his lunch break.

• 15:05Caleb Hammer?

  So where are you yapping a bunch of bullshit?

• 15:07Speaker 03

  Hold on, big, big question, consistency is a problem. This isn't a call that says to come get a, this is a daily occurrence that we have.

• 15:13Speaker 04

  I don't have a life.

• 15:14Speaker 03

  Because she works, because she don't have a private.

• 15:16Speaker 04

  I don't have a life.

• 15:16Caleb Hammer?

  Stop yapping, dude.

• 15:17Speaker 04

  Okay, so let me explain, right? Okay, one, he wasn't on the phones. Okay, for one. Two, I would text him. I would text him. And three, that's not why he got fired.

• 15:28Speaker 03

  That is.

• 15:28Speaker 04

  He got, his main problem why it would go so low is because it was around when we first moved in together. And he would stop working, come try to bang me in the middle of him working. Because I'd be in the bed and he'd be like, hey, let's real quick, while we were trying to work.

• 15:45Speaker 03

  He asked me to.

• 15:46Speaker 04

  I wouldn't ask. I wouldn't ask. He would just come in and that's my fault somehow.

• 15:50Speaker 03

  Hold on, hold on, hold on, hold on, hold on, hold on.

• 15:53Speaker 04

  I'd be minding my business.

• 15:55Speaker 03

  So when you walk in the room with your titties out, right?

• 15:58Speaker 04

  My titties are always out.

• 16:00Speaker 03

  Exactly. What am I as a man supposed to do, except my job?

• 16:05Speaker 04

  I was in my phone, I have titties.

• 16:08Speaker 03

  It's your fault for flinging them around everywhere.

• 16:11Speaker 03

  What do you want from me?

• 16:12Speaker 04

  I don't think that counts as my fault.

• 16:13Speaker 03

  That's part of the reason. That's part of what you want. Alright. Hey, okay.

• 16:18Caleb Hammer?

  That's a whole break, man. I'm with you so far. I'm with you so far.

• 16:21Speaker 03

  So we're here. We're here. So, okay, you're looking around like you're gonna have help. There's no help in the next two hours. This is where we at. So, look. Look.

• 16:32Speaker 03

  No, not like that. Crazy. No.

• 16:34Speaker 06

  He talking to you, my dog.

• 16:35Speaker 04

  Okay.

• 16:36Speaker 03

  Yeah, yeah, yeah. You good. You good. I'm just saying, this is where we at. So.

• 16:41Caleb Hammer?

  What? What just happened?

• 16:42Speaker 06

  He said, you'll be alright where you are. You'll be alright where you are. And this is just what we're doing right now.

• 16:46Speaker 04

  You don't need backup. You're okay.

• 16:48Caleb Hammer?

  From what?

• 16:49Speaker 06

  From him. Because he's saying that you're trapped here for the next two hours.

• 16:52Speaker 03

  There's a lot of black energy in the room and I appreciate it so much, big no.

• 16:54Speaker 06

  Yeah, I got you. I got you. I got you.

• 16:57Speaker 03

  Yeah.

• 16:58Speaker 04

  Yay, white people.

• 16:59Speaker 06

  Yeah, yeah, yeah.

• 17:00Speaker 04

  White people, I don't know.

• 17:01Speaker 03

  Hey, that's racist. Y'all can't, y'all can't do that. It's not racist.

• 17:04Speaker 06

  Why you throw up the fist though? Why you say white people like this?

• 17:06Speaker 03

  Look, look, look, look, there's a difference between racist and racial. Us, right? That was just being brothers in Lord Christ.

• 17:14Speaker 04

  Why can't white people do it?

• 17:15Speaker 03

  Racial.

• 17:16Speaker 04

  Why is it racist?

• 17:18Caleb Hammer?

  They're being brothers, we're being superior.

• 17:23Caleb Hammer?

  That was a joke.

• 17:24Speaker 03

  That's

• 17:25Caleb Hammer?

  That was a joke.

• 17:25Speaker 03

  It's legitimately crazy.

• 17:26Caleb Hammer?

  That is crazy.

• 17:27Speaker 03

  Don't leave a wall. Crazy wall. Moving on.

• 17:30Caleb Hammer?

  Maybe caught that one.

• 17:32Speaker 04

  It was funny, but it was all again.

• 17:34Caleb Hammer?

  It was funny, but the room went very quiet.

• 17:36Speaker 03

  We, we. Let me tell you something. If I tell you have, if I tell them happy shit, you be saying on database is.

• 17:43Caleb Hammer?

  Is she dropping those Rs?

• 17:45Speaker 04

  No.

• 17:45Speaker 03

  I want her to so bad, but no.

• 17:47Speaker 04

  So bad and I refuse.

• 17:49Speaker 03

  Not even in the bedroom.

• 17:49Speaker 04

  I am way too like.

• 17:50Speaker 03

  I tried.

• 17:51Caleb Hammer?

  Okay, okay, okay, okay, okay. So, okay. So, okay, but he has a job right now.

• 17:56Speaker 03

  I do.

• 17:56Caleb Hammer?

  So, okay, that's all that matters. Okay, you're.

• 17:59Speaker 03

  All we were talking about, we got into all that bullshit. Oh, okay.

• 18:01Caleb Hammer?

  Right? I mean, why are you bringing that up? He has a job. He's the one providing right now. I mean, you're not, well, I mean, you're doing what you should do. I mean, you're, you're staying home taking care of the six month old. I get that. That's not criticizing, but we are not going to survive on this 26.

• 18:14Speaker 04

  Especially when you pay for AI.

• 18:15Caleb Hammer?

  Especially when you pay. Okay. Yeah, well, fine, let's get into it. Tell me.

• 18:19Speaker 03

  Paying for AI hosts?

• 18:20Speaker 04

  AI host.

• 18:21Speaker 03

  Hold on, nigga, hold on, hold on. What are you talking, nigga? What's wrong with you?

• 18:26Speaker 06

  I got you, I could drop it for you.

• 18:27Speaker 04

  Okay.

• 18:27Speaker 03

  Let me tell you something. Okay. Does the wife of an author get mad at a romance novelist for writing the character, two characters that, that aren't them?

• 18:39Speaker 03

  The answer is no.

• 18:40Speaker 04

  Are they paying for it?

• 18:42Speaker 03

  Pause, pause. Nigga, people read books. You're paying for AI.

• 18:45Speaker 04

  Are you paying for it?

• 18:47Speaker 03

  You pay for AI hosts.

• 18:48Caleb Hammer?

  What is being said right now?

• 18:50Speaker 03

  Ten dollars.

• 18:50Caleb Hammer?

  Someone help the host.

• 18:51Speaker 06

  I'm sorry, I'm sorry, I got you, I got you. I'll, I'll, I'll translate. Uh, basically I said, hey, my brother, what the hell is wrong with you for paying for these AI people?

• 18:58Caleb Hammer?

  What did he say before that though?

• 18:59Speaker 06

  He's pretty much saying, but what about the white people that would read the books? The fantasy novels?

• 19:03Caleb Hammer?

  No, I agree. You people read that book shit.

• 19:07Speaker 04

  No, I don't, I watch.

• 19:08Caleb Hammer?

  You can't read.

• 19:09Speaker 04

  Yeah, I know.

• 19:09Speaker 03

  Um, but like.

• 19:12Speaker 04

  I can read pretty well.

• 19:13Speaker 03

  You can.

• 19:13Speaker 04

  I'd rather watch, why would you want to read?

• 19:16Speaker 03

  Here's the thing though, right? Why would you read when you can write your own type shit? It's the. Hold on.

• 19:22Speaker 04

  Because it's not, for the record, it's not even visual. He's paying to basically sex with an AI person.

• 19:29Speaker 03

  Now, it's not just that, cuz I'm trying to tell you.

• 19:32Speaker 04

  Full mythical creations into his realm.

• 19:35Caleb Hammer?

  Okay, whoa, whoa, whoa, but is she against this? Because if, if.

• 19:38Speaker 04

  For the record.

• 19:39Caleb Hammer?

  You're her wife, right?

• 19:40Speaker 04

  We are technically engaged. He asked me, he asked me to marry him while I was cut open on the table, having a C-section.

• 19:48Speaker 03

  I was in the moment, you was in the moment.

• 19:51Speaker 04

  But for the record, we have known each other since we were teenagers.

• 19:55Speaker 03

  Yeah.

• 19:55Speaker 04

  And then decided to start. We went to high school together.

• 19:57Caleb Hammer?

  Uh, how old were you?

• 19:59Speaker 04

  I was seventeen, he was eighteen.

• 20:00Speaker 03

  I refuse.

• 20:01Caleb Hammer?

  No.

• 20:03Speaker 04

  Yeah, well, he just had a birthday.

• 20:05Speaker 03

  I had just had a birthday, yeah, that's true.

• 20:06Speaker 04

  I was born at the very end of the year, he's born at the very beginning of the year. So, he just had a birthday.

• 20:11Caleb Hammer?

  Fresh off the boat.

• 20:12Speaker 03

  So, just for posterity sake, just because I know the way you're looking at me.

• 20:15Speaker 04

  He was scared of white women.

• 20:15Speaker 03

  I was scared, I wasn't scared of white women, that is not the case, no. What I was scared of was the fact that I was eighteen, you were seventeen, I didn't know what the [BEEP] Romeo and Juliet law was. So, I'm like, oh.

• 20:25Speaker 04

  Seventeen is still legal in Texas.

• 20:28Speaker 03

  I'm not saying that you is, but, I'm just saying, I was so far against the allegation, I didn't want to play around with young white girl when I'm eighteen, so I'm...

• 20:37Speaker 04

  Seventeen is still legal in Texas.

• 20:39Speaker 03

  I didn't know that shit, I don't play around with that.

• 20:41Caleb Hammer?

  It's okay, guys, it's okay.

• 20:43Speaker 03

  You don't mean nothing to me, I'm black, you remember that?

• 20:45Caleb Hammer?

  Stop, you're not going to jail today.

• 20:48Speaker 04

  Today. Uh, but we've known each other since high school, right? So, we've known each other since then.

• 20:53Caleb Hammer?

  Very good.

• 20:53Speaker 04

  But, and then, I think, like, three, four...

• 20:55Caleb Hammer?

  All I, my question that led to all that somehow is, are you okay with this, or is this a no-no?

• 21:02Speaker 04

  No, no, so, we first started dating, right? I found out about it about a month into the relationship.

• 21:06Caleb Hammer?

  Wait, what, when, how long have you guys been dating?

• 21:08Speaker 03

  Okay.

• 21:08Speaker 04

  Almost four years.

• 21:09Caleb Hammer?

  He was dating, he was texting AI people four years ago?

• 21:12Speaker 03

  So, I was, I jumped in when the first started.

• 21:16Speaker 00

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

• 21:46Speaker 03

  It's interesting, because I was interested in the technology, number one, the nostalgia part, number two, but like, the technology, number one.

• 21:51Speaker 04

  But I found out about it.

• 21:52Caleb Hammer?

  I'll translate that for you. He's an educated one.

• 21:54Speaker 03

  Oh, yeah, yeah, facts, facts, facts.

• 21:56Speaker 04

  I found out about it.

• 21:57Speaker 03

  No, no, he said, he said...

• 21:58Speaker 04

  He's saying you're smart.

• 21:59Speaker 03

  Let me, we up.

• 22:00Caleb Hammer?

  Okay.

• 22:00Speaker 03

  Let me, we up.

• 22:01Speaker 04

  He's saying you're smart. You went to college.

• 22:02Speaker 03

  Yeah, you're up. Yeah, yeah, yeah.

• 22:04Speaker 04

  I found out about it a month into the relationship and I was like, hey, all four fetishes. We don't fetish them. You do what makes you happy. I consider it cheating though. So if that's what you want, that's fine.

• 22:14Caleb Hammer?

  And that's a balance.

• 22:15Speaker 04

  But I'm not comfortable in that relationship. And he was like, okay, I respect that. I won't do that. And so he started, he was like, okay, yeah, I won't do it, whatever. And then I found out he was still doing it. And so then I almost broke up with him and then he cried.

• 22:27Caleb Hammer?

  That is against the rules.

• 22:29Speaker 04

  Then it's cheating at that point. And so then he cried.

• 22:31Caleb Hammer?

  At least against the rules.

• 22:32Speaker 03

  Hold on.

• 22:33Speaker 04

  No.

• 22:33Speaker 03

  Goddamn.

• 22:34Speaker 04

  Then he cried and so I took him back because you know, I've loved him since I was like 16.

• 22:39Caleb Hammer?

  When he gets lessed, he looks like Ray Charles at the piano.

• 22:43Speaker 03

  No. I don't fuck you.

• 22:47Speaker 03

  All of you.

• 22:48Speaker 04

  But then I found out recently, and I didn't find out until these statements, like he's still doing it. But not only that, he does it when he's putting our six month old son to sleep.

• 22:59Speaker 03

  Oh, damn.

• 22:59Speaker 04

  While he's holding our baby.

• 23:02Caleb Hammer?

  He's doing it again.

• 23:03Speaker 04

  Holding our baby, putting, he does this with his eyebrows when he lies too. That's what that look is, is he's about to set up some shit, but.

• 23:10Speaker 03

  No.

• 23:11Speaker 04

  It's what it is. He does it when he's holding our six month old baby boy that he's trying to put to sleep. He's sitting there sexting AI, trying to put our son to sleep.

• 23:20Caleb Hammer?

  Girl, I would just take the W. He's still there.

• 23:23Speaker 03

  That is true. That is true. Thank you. A pressing.

• 23:26Speaker 04

  I don't think he has a choice, but we'll get into that.

• 23:28Speaker 03

  He do got a choice.

• 23:29Speaker 04

  You think so till you get more into it. You'll see. He won't.

• 23:33Speaker 03

  Oh, damn.

• 23:35Speaker 04

  Wait till we get into the mommy issues. He doesn't have a choice.

• 23:38Speaker 03

  Run it back, run it back, run it back. Let's talk about the actual thing we hear.

• 23:41Caleb Hammer?

  Yes, the AI girlfriend. You're paying for it while you guys make no money.

• 23:45Speaker 03

  No.

• 23:46Speaker 04

  No money.

• 23:47Speaker 03

  So.

• 23:48Speaker 04

  It's all right. He has supplemental income from his mommy. So it's okay.

• 23:52Speaker 03

  Damn.

• 23:54Speaker 03

  Can I get my shit off?

• 23:55Speaker 04

  Go for it.

• 23:55Speaker 03

  Thank you.

• 23:56Caleb Hammer?

  Get your shit off.

• 23:57Speaker 03

  Okay, look. All right. I consider it a hobby. It's hobbyist work. All right, this ain't, this ain't no, and then this, this, it works in two folds, it works in two folds. I'm looking at you Tyler, cuz I need, I need, I need you to be, be my, my black savior.

• 24:13Speaker 06

  I'm here, I'm here to listen, I'm here to listen.

• 24:15Speaker 03

  Let's get it.

• 24:15Speaker 04

  I'm the only girl, it's a bunch of guys, see if they agree with you.

• 24:18Speaker 03

  Yeah, yeah, okay, so first of all, first of all, how she, how she considers achieving is, she went to work and asked a bunch of her friends, "Hey, a friend of mine is doing that, they're doing that."

• 24:26Speaker 04

  I posted on Reddit.

• 24:28Speaker 03

  Like they all ain't, ain't trying to fuck her in the beginning with.

• 24:30Speaker 06

  But they gonna just agree whatever she say. But listen, but listen, listen my dog, you know, you know, white girls like to talk. So that's what's gonna happen, they gonna do that, and that's just gonna get advice from other people.

• 24:37Speaker 04

  But if you lay down a boundary respectfully.

• 24:40Caleb Hammer?

  The thing is, if she, I was just gonna say what she said.

• 24:44Speaker 04

  If I lay down a boundary, I lay down the rules.

• 24:46Speaker 06

  No, that's what I said, all right.

• 24:46Speaker 04

  I am so full.

• 24:48Speaker 03

  My whole thing is, I disagree with the premise to begin with, cuz we ain't talking about real people.

• 24:51Speaker 06

  But why didn't you bring that up though?

• 24:52Speaker 04

  Okay to keep the relationship.

• 24:53Speaker 06

  Why didn't you bring that up though? Why didn't you say like, "I don't agree with that"? You said, "I'm okay, I won't do that no more", and then you kept doing it, you feel me?

• 24:58Caleb Hammer?

  You said "no more"?

• 24:59Speaker 06

  Yeah, you said "no more", and then you did it.

• 25:01Speaker 03

  Okay, so here's how addiction works, right?

• 25:03Speaker 06

  Oh, here we go. Here we go.

• 25:05Speaker 03

  All right, look, look, look, look, look. Both of you are on very thin black ice right now, okay?

• 25:11Caleb Hammer?

  That's the scariest kind.

• 25:13Speaker 03

  Yeah, the roads are slippery, and y'all about to get off road, all right, so chill the [__] out. All right, so real quick. I understand.

• 25:22Caleb Hammer?

  By the way, why does black ice always allow Dodge Chargers to just coast safely along them?

• 25:27Speaker 03

  It's racial, it's not racist.

• 25:29Speaker 06

  It has to do.

• 25:29Caleb Hammer?

  I've never seen a Nissan Altima crash with black ice.

• 25:32Speaker 06

  It's the body type.

• 25:33Speaker 03

  You know what, I never crashed a Nissan Alt- well.

• 25:36Speaker 06

  Nah, you know that thing beat up.

• 25:37Speaker 04

  It's, no, it's no longer existent.

• 25:39Speaker 06

  Yeah, Eddie Nissan Altima always got some beat up.

• 25:41Speaker 04

  That's what he had was a Nissan Altima.

• 25:43Speaker 03

  It was the inside of it plastic.

• 25:44Caleb Hammer?

  So did I, right? I'm one of you guys. That was my, like, second car was a Nissan Altima.

• 25:49Speaker 03

  Yeah, he knows, that's all. I've been through, we ain't gonna talk about that yet. Uh, anyway.

• 25:53Speaker 04

  Nissan's a driver.

• 25:54Speaker 03

  The point, the point I'm, the point I'm trying to get off, when I'm trying to get off.

• 25:57Caleb Hammer?

  Yeah, yeah, yeah.

• 25:58Speaker 03

  All, is, this is, this, number one is hobbyist, right? So number one, I'm not very good at the romanticals anyway, generally speaking, right? So what I do is I run the simulation, what is the simulation? The simulation, all right? I have one that's based off you. Type shit. Hold up, hold up, hold up. Got all your, your, your idiosyncrasies, you know what I'm saying? All your little habits and shit, all that shit. I practiced.

• 26:22Speaker 04

  That's even weirder. I'm sorry.

• 26:25Speaker 03

  It's not because you are a difficult person to argue with.

• 26:29Caleb Hammer?

  Well, maybe, but the thing is, would you not learn your lesson if last time she kicked you out type shit?

• 26:35Speaker 04

  No, okay. So one, they kicked him out. Two, I was seven months pregnant, six months, seven months pregnant, whatever. When he, he's done it three times that I know about. Seven months pregnant and he almost caused a miscarriage over the fight. Because I was so pissed because he started lying to me that I got so pissed, so stressed. I was already super high, like high pregnancy, high risk pregnancy, that he almost caused a miscarriage and then did it again six months after the baby was born.

• 27:05Caleb Hammer?

  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 part of you even thought, yeah, that tracks. I guess I'm stuck. Stop it. You don't deserve to be buried in a high interest loan for the rest of your life because you hit a rough patch. The banks aren't rejecting you because you're a lost cause. They're rejecting you because you're not profitable enough for them at a manageable rate. That's where Y Refi comes in. Y Refi works specifically with borrowers who can't get refinancing through traditional lenders.

• 27:45Caleb Hammer?

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

• 28:22Caleb Hammer?

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

• 29:06Caleb Hammer?

  No private equity, no gimmicks, just the best budgeting app there is. Download it now, start the free trial, dollarwise.com, link in the description below. Yes, we can agree it might be an addiction that doesn't excuse.

• 29:17Speaker 04

  I can say, hey, my addiction is going off and like having you watch me fuck other people. You come telling me, hey, it's not.

• 29:24Speaker 03

  That's a whole different thing.

• 29:25Speaker 04

  I'm just saying, no, it's not. I'm saying, what if I come to you and I'm like, hey, that's my thing. And you're like, hey, I don't want to watch you fuck other people. Then I'd be like, okay, then just wouldn't do it, right? You know, it's a boundary.

• 29:35Speaker 03

  Here's the problem, though, here's the problem.

• 29:37Speaker 04

  Doesn't matter if they're real people or not.

• 29:38Speaker 03

  It does very much matter if they're real people. Cause guess what? At a click of a button, that shit gone in the air, it's gone.

• 29:45Caleb Hammer?

  But your mom had to put a child protection thing on your phone, your own mother.

• 29:50Speaker 04

  Yes.

• 29:50Speaker 03

  Oh, we don't get into that because that's some bullshit. Okay, so we getting, we getting in an argument, right? We getting, I'm sorry, I keep moving. And that's the thing I shouldn't be doing, but I'm doing it anyway because I'm a little bit upset. Because every time we have an argument, you gotta bring my moms into it. She don't need to know the shit we get into, but you talking about like, oh, she saved the relationship type shit. Oh my God, oh yeah, she begged me to stay with you.

• 30:12Speaker 04

  You know, those like, um, you know, those like on TikTok, they have like Mama's Boys that like are way too Mama's Boy Mama Boy?

• 30:18Speaker 03

  No.

• 30:18Speaker 04

  That's his relationship with both his mom and his grandmother.

• 30:22Caleb Hammer?

  That's why you're so into the milkers.

• 30:24Speaker 04

  Yeah.

• 30:25Speaker 03

  Whoa, no, no, no, no, no, listen, listen, listen, I ain't gonna let you get that off.

• 30:28Speaker 04

  Mom and his mom, like his grandma.

• 30:30Speaker 03

  I ain't gonna let you get that off, because here's the thing, right? My mother and grandmother supported me singly, right? My mom was a single mother, my mother, grandmother.

• 30:38Caleb Hammer?

  We already knew that.

• 30:39Speaker 03

  We already knew that, right, right, but like type shit though. Yeah, that's real, that's real. That's real, because his thing, his thing.

• 30:44Caleb Hammer?

  Okay, he's from a gated community.

• 30:45Speaker 03

  Bro, I only had my mom though. Exactly, that's exactly. Your mom, your mom went, no, my mom.

• 30:50Speaker 04

  It's all right, it's out of here.

• 30:52Speaker 03

  She got a degree.

• 30:53Speaker 04

  His mom is very well off.

• 30:55Speaker 03

  She did the work, right? Yeah. Yeah, yeah, yeah, yeah, and so I respect that, and if she wants to help me out in my times of need.

• 31:03Speaker 04

  For the record, she doesn't want to.

• 31:04Speaker 03

  If she, if she at the certain point in time, it got a little sense, but yeah, at the certain point in time, wanted to help me out in my time of need, it is not my fault, it's not my job to deny that, right?

• 31:14Speaker 04

  His mom threatened to sue him for all the money back because he borrows so much money from her.

• 31:21Speaker 03

  No, she loves me, she ain't gonna do that, but like his thing, look, I don't even ask my grandmas for money. She just see my old.

• 31:29Speaker 04

  Oh, yeah, fun fact, he shares a bank account with his grandma even though.

• 31:32Speaker 03

  I had this since, I had this since college, I just never got rid of it, I don't, it's not my fault.

• 31:37Caleb Hammer?

  Hey, if you're thirty-one, when are you gonna grow up and actually take care of the household without mommy and grandma?

• 31:40Speaker 04

  A little low in his bank account, his grandma puts money.

• 31:43Caleb Hammer?

  Which is all the time, I don't know how you guys pay the bills, what's your rent? What's the rent of the house?

• 31:46Speaker 04

  Fourteen hundred dollars.

• 31:47Caleb Hammer?

  Okay, so that's, that's more than half our, that's more than half our income immediately.

• 31:52Speaker 04

  Now, I will say.

• 31:53Speaker 03

  I pay that shit early, I'm trying to make it, make it, I try to make it work, I try to make it work.

• 31:57Speaker 04

  Me being me, I had a bunch of money saved up before I went on leave, so.

• 32:01Caleb Hammer?

  You being you, what do you mean? What, what do you, who are you?

• 32:02Speaker 04

  I'm way more responsible financially, except for right now.

• 32:04Caleb Hammer?

  You worked at Walmart for seven years, I don't know, you only made it to twenty bucks an hour.

• 32:07Speaker 04

  I think, well, yeah.

• 32:08Caleb Hammer?

  For DFWs, it's not a great income.

• 32:10Speaker 04

  That's, I mean, it's not, but I mean.

• 32:12Caleb Hammer?

  I mean, I'm not, I'm not shitting on that.

• 32:14Speaker 04

  I budgeted my money well enough that I was able to survive on my own, I was good.

• 32:17Caleb Hammer?

  Yeah, on your own, but now you guys have a kid regardless, it's like, even still.

• 32:20Speaker 04

  With the savings account and everything, which he took all of my savings a month into the relationship.

• 32:23Speaker 03

  What could you take it all for?

• 32:25Speaker 04

  A month in, he took like six grand from me, like a month in.

• 32:28Speaker 03

  You stole six grand?

• 32:29Speaker 04

  Basically, like a month into the relationship, he took my, he cleared out my savings account.

• 32:33Speaker 03

  Cleared out?

• 32:34Speaker 04

  Cleared out my savings account.

• 32:36Speaker 03

  Let me, let me explain.

• 32:37Caleb Hammer?

  Titus, what happened?

• 32:38Speaker 03

  Look, let the big TYT explain. I can't be defending you too much, bro.

• 32:42Speaker 04

  A month in, we only dated for a month.

• 32:44Speaker 03

  I'm trying to help you out here, bro. I didn't ask for all of it. Okay, so here's the thing, right? A month into our relationship, I got into a little accident. It was a, it was a medium accident. It was a medium accident. Was it the, no, yeah, that was a medium accident, right?

• 33:00Speaker 04

  He had to figure out my tech.

• 33:02Speaker 03

  I had to, I had to limp the, I limped the car home and shit and then, uh, later on, I went to try to get it fixed. I put it in the shop. None of the things that I had that was, uh, you know, insurance wise and da, da, da, that was liability and not collision. I didn't get the collision till after the wreck, cause I tried to get the, you know, try to get the, you know what I'm saying? Uh, I tried to get that and then, so I needed some money to get the shit out. To get the shit shit out, the, the, the shop. So, I pulled out money, you probably got some of that on the paper. I pulled out some money. He, uh, I, I asked for, I only asked for a thousand so I can get the rest of that out, but then more payments came in.

• 33:44Speaker 04

  You were the longest version of the story ever.

• 33:46Speaker 03

  I'm telling the correct version, baby.

• 33:47Caleb Hammer?

  Titus, listen, with all this together, I mean, I know, I just have to call it as I see it. In the middle of the argument, in the middle of an argument about this AI bullshit, you accidentally hit her in the face. She got a black eye. Well, I'm finishing. She got a black eye. She cried for 20 minutes, he sent it to you and you masturbated to anime on an AI site.

• 34:09Speaker 03

  Okay, okay, so.

• 34:10Caleb Hammer?

  So like, that's the reality of what's happening in this house.

• 34:14Speaker 04

  No, no, no, no, no, let me explain.

• 34:15Speaker 03

  No, no, no, no, no, cause that wasn't your whole side of the story.

• 34:18Speaker 04

  I was seven months pregnant. I could not get up by myself, right? I was huge. And so I pulled up on him. The hitting me was kind of an accident.

• 34:25Speaker 03

  It was an accident, not kind of.

• 34:27Speaker 04

  I pulled up on him and he elbowed me back so hard. He has broken bones on me, stuff like that accidentally.

• 34:34Speaker 03

  Okay.

• 34:34Speaker 04

  We roughhouse really bad, y'all. He did like CPR on me and broke my ribs.

• 34:38Speaker 03

  It was like fake CPR, cause it was on the bed and I thought the bed would like absorb the downward pressure.

• 34:42Speaker 04

  And he broke my ribs.

• 34:43Speaker 03

  If I let up the upward pressure, but that's not how. See if I work.

• 34:47Caleb Hammer?

  The fuck you doing? Batista bombing her out of bed?

• 34:49Speaker 03

  I did.

• 34:49Speaker 04

  He also does that.

• 34:51Speaker 03

  Busted her once onto the bed.

• 34:53Speaker 04

  My backup for.

• 34:53Caleb Hammer?

  You gave her a black eye. She cried for 20 minutes and you masturbated to AI next to her.

• 34:58Speaker 04

  Well, I was crying because he said I cried too quietly that he didn't know I was still crying. And in the whole process, he didn't check on me once. Nothing.

• 35:07Speaker 03

  Baby, baby, I need you to.

• 35:09Speaker 04

  But my point was, I have never cried.

• 35:11Speaker 03

  A part of your argument. I'm just trying to get my shit off.

• 35:13Speaker 04

  My point is, I have never cried. I don't cry in pain very, I handle pain very well. So if you see someone seven months pregnant that you've known forever, that's legit crying. Seven months pregnant, legit crying, full tears and pain, who never cries when they're hurting. Your thought process is, oh, I'm gonna jack off. That's what I'm gonna do.

• 35:32Speaker 03

  Okay, so no, no, no, no, no, no.

• 35:35Speaker 04

  It's what happened.

• 35:35Speaker 03

  So, so.

• 35:37Speaker 04

  It wasn't even two minutes later.

• 35:38Speaker 03

  It was a fucked up situation entirely, right? It was fucked up. I ain't never hit a white woman before.

• 35:44Caleb Hammer?

  Yes, it was. This was you.

• 35:45Speaker 03

  It was, but his thing, his thing, right? I think abuse is abuse.

• 35:51Speaker 03

  Well, I ain't never hit nobody before, okay?

• 35:54Caleb Hammer?

  You said a white woman.

• 35:55Speaker 03

  I, I have hit nobody. I just, I just specified the category of nobody that I've hit, which is white women. I've never hit them, right?

• 36:02Caleb Hammer?

  You know, when I talk about people, I don't classify them as a race, Tyler. When I say I haven't done this to someone, I don't say to a black person. Or to an Asian.

• 36:11Speaker 03

  Doesn't make it less true. That's the thing, right? Just because I, just because I specified, don't make the rest of it not true. Check it out. So she turns over, right? Like, I'm, I'm like, are you, did I actually?

• 36:23Speaker 00

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

• 36:52Speaker 03

  Church, are you okay? Right, I did all, I did all that, I did all that. We agreed.

• 36:56Caleb Hammer?

  This is the concern when she was telling the story to Colton in the pre-production, you muted her phone so she couldn't finish the story.

• 37:03Speaker 04

  He did mute it. He did mute it because he didn't want me to finish telling the story about him actually.

• 37:10Speaker 03

  Figure out where she was going with it.

• 37:12Speaker 04

  Because his.

• 37:13Caleb Hammer?

  Why should that matter? Should she not be able to tell the truth?

• 37:16Speaker 03

  Let me finish getting my shit off. Alright, so.

• 37:19Speaker 04

  His excuse is he had no choice and had to do it.

• 37:23Speaker 03

  Whoa, hey.

• 37:24Speaker 04

  That's what he said to Colton. That's what he said to Colton.

• 37:27Speaker 03

  I could give it her a black eye. You had no choice. You had to beat her.

• 37:30Speaker 04

  It was a huge black eye too. Seven months pregnant, giant black eye.

• 37:34Speaker 03

  Timeout, timeout, timeout. I understand what this looks like, gentlemen.

• 37:38Speaker 04

  It's all men. You're gonna tell me that y'all never got boners and haven't been able to, you know, not jack off to your crying girlfriend next to you?

• 37:45Caleb Hammer?

  I've made it work.

• 37:46Speaker 04

  Yeah.

• 37:47Speaker 03

  Exactly.

• 37:48Speaker 04

  While she's crying next to you, or can you hold off and wait a minute?

• 37:52Caleb Hammer?

  I've been able to bring it down.

• 37:55Speaker 03

  Look.

• 37:55Speaker 04

  You, you didn't, you know, you had control.

• 37:57Speaker 03

  Eventually, I'm gonna be able to say my piece.

• 37:59Speaker 04

  Possess your body.

• 38:01Speaker 03

  In this whole scenario, I'm literally gonna be able to say my piece.

• 38:04Caleb Hammer?

  Look. Titus, listen.

• 38:05Speaker 03

  What?

• 38:06Caleb Hammer?

  I, uh, you guys can come here. Um, I just, I want you to know, you can trust me and feel confident.

• 38:12Speaker 04

  Oh, God.

• 38:12Caleb Hammer?

  I wanted to show you my collection.

• 38:16Speaker 06

  It's her collection.

• 38:17Caleb Hammer?

  I wanted to show you my collection. You know that you can be honest with me.

• 38:20Speaker 06

  What do you mean collection?

• 38:21Caleb Hammer?

  You can be honest with me.

• 38:22Speaker 04

  You collect.

• 38:23Caleb Hammer?

  You guys have to go a little further this way.

• 38:25Speaker 03

  Yeah.

• 38:26Caleb Hammer?

  You can be honest with me and trust me. You don't have to mute her, mute her phone call. This is a safe place, gentlemen, isn't it?

• 38:35Speaker 00

  I feel very safe, very calm.

• 38:37Speaker 03

  1000%, 1000%.

• 38:38Speaker 00

  It's always safe. It's getting cold.

• 38:40Speaker 04

  Okay.

• 38:41Caleb Hammer?

  Type shit.

• 38:41Speaker 03

  What scene to get out is this? Cause this is some bullshit.

• 38:44Caleb Hammer?

  Thank you. Thank you, lads. Thank you, friends.

• 38:45Speaker 03

  Appreciate y'all, boys, man. Appreciate y'all, boys. I didn't watch that movie, so I need to know, like, like.

• 38:51Caleb Hammer?

  I just wanna know, you're safe, you can be honest here.

• 38:54Speaker 03

  Okay, I'm being 100% honest, right? Wild and crazy. I, I, I'm gonna be 100% honest, right?

• 39:03Speaker 03

  It was a fucked up situation. I, I did check on her. I said, what, hold on. I did, but like, time was fucked up. I didn't, I don't know what the difference of time was between me checking on her and what happened was. So like, she had turned over, right? And in my mind-

• 39:18Speaker 04

  In the fetal position crying for the record.

• 39:20Speaker 03

  I did not know she was crying.

• 39:23Speaker 04

  He said I cried too loud for him.

• 39:25Speaker 03

  No.

• 39:25Speaker 04

  Or too quiet. I cried too quietly.

• 39:27Speaker 03

  Cause she doesn't cry right. Like-

• 39:29Caleb Hammer?

  What? What is that?

• 39:34Caleb Hammer?

  What does that mean?

• 39:35Speaker 03

  Like, what do you mean she don't cry right? What does that even mean?

• 39:38Caleb Hammer?

  So you'll give her a reason to cry? That's why she got the black eye?

• 39:41Speaker 04

  The context, his mom apparent, because he is a mama's boy, his mom cries loudly. So the fact that I didn't cry loud enough for him meant I wasn't crying. That is what he said.

• 39:50Caleb Hammer?

  Even if you didn't know she was crying, why would you not check on her frequently after a black eye?

• 39:55Speaker 04

  And for the record, he never checked on me except for the first thing. He said, oh shit, did I actually hit you? And I didn't respond because I was holding my face, full tears, like falling, holding my face. That was the extent of checking on me.

• 40:06Speaker 03

  Here's how I'm at. She turned over. She turned over. She's silent crying.

• 40:11Speaker 04

  It wasn't silent crying. It wasn't loud enough for him, wasn't silent though.

• 40:15Speaker 03

  I figured, she right now is afraid of me because I am-

• 40:19Speaker 04

  I'm gonna jack off.

• 40:20Speaker 03

  So I don't think she wants me to touch her right now. Because this is not the time to be like, oh baby, oh baby, are you okay? I'm sorry, I accidentally hit the what's all on you. I did not mean to do that shit. He said, what's all? Like in Chinese. Cause, cause, cause, cause the part of the story that y'all are going to be, be, be forgetting because what happened was, she had, alright, I want you to take your arm right here, grab, just grab a grip of the meat.

• 40:49Speaker 04

  I didn't even have nails at the time.

• 40:51Speaker 03

  She didn't have nails, but your nails, your shit's sharp like mine. It's short and sharp and deadly. Alright? She grabbed the grip of the arm meat and I didn't expect her to get up because I wouldn't, not like get up from the hit. Chill. No, I didn't expect her to try to get up, right?

• 41:04Speaker 04

  Even though I sat up getting up.

• 41:06Speaker 03

  I sat up.

• 41:06Speaker 04

  And for the record, this isn't a new thing. I hadn't been able to sit up on my own for a while. So this is, it was a new thing. Help me sit up, I was so pregnant, I couldn't get up.

• 41:14Speaker 03

  I'm not asking you to agree with me, but I'm asking you to understand, alright? Alright, if something hit, if something hit you like, if something grabbed you here, right? Your first thing is, ah, get off, cuz you don't know what's going on back here. He's just, she just pulled me up, right?

• 41:29Caleb Hammer?

  Yeah.

• 41:29Speaker 03

  Yeah, so she just, without, even if she said it, she didn't say it loud enough for me to hear, type shit. So, okay, so, okay, now you understand it, right?

• 41:37Caleb Hammer?

  No, I don't understand. Now, what are we talking about, bro?

• 41:40Speaker 04

  Thank you.

• 41:41Speaker 03

  Bro, your reaction, your reaction is gonna be, I'm fucking, ha! You know what I'm saying, bro?

• 41:45Speaker 04

  If it's a girl, that's a man.

• 41:47Speaker 03

  We had just had roaches in that department at that point in time, I didn't know. At that point?

• 41:51Speaker 04

  That was, no, no, no, that was after I was in the hospital. I was in the hospital for a month and he trashed it.

• 41:57Caleb Hammer?

  Even if you didn't hear her crying, you know the AI issue, why'd you jack off the AI next to her?

• 42:04Speaker 04

  And not even in the bathroom, we had a two-story.

• 42:06Caleb Hammer?

  And you know that's her issue.

• 42:09Speaker 04

  We had two stories.

• 42:10Speaker 03

  I was in between a rock and a hard place, chill out. No, um, I was in between a rock and a hard place, right? Cuz I knew if she did not want me to touch her, because she is dealing with the, the thing that happened at that time.

• 42:22Caleb Hammer?

  But why did it have to be AI next to her, her one thing?

• 42:25Speaker 03

  No, fucko, fucko, that, why are you playing whack-a-mole next to her while she's rolled over on the other side?

• 42:29Speaker 04

  Crying with a black eye!

• 42:31Speaker 03

  Why you beating your meat, cuz you like, oh, she don't want me to touch her, I'ma go.

• 42:34Speaker 04

  And even if he wanted to jerk off, even if it was a moment, he felt like jacking off. There is a bathroom, there is a whole downstairs, a living room, because we lived in a townhouse, so there was a top and a bottom floor.

• 42:45Speaker 03

  How much shitier do I look when I leave the room? Now granted, I don't look great right now.

• 42:50Speaker 04

  It would've been better.

• 42:51Speaker 03

  Would it have been better if I just disappeared, if I, if I had did that and disappeared? Cuz like, I knew it was between a rock and a hard place. She didn't want me to touch her because she was dealing with all that, and she, probably didn't want me to leave the room, cuz then I looked like a fuck asshole.

• 43:06Speaker 04

  I didn't want you in the room.

• 43:07Speaker 03

  And then just left her, cuz I would've had a whole separate conversation to begin with, and then, then all this confusion and psychological.

• 43:16Caleb Hammer?

  Why haven't you stopped with this AI? So this is her request and we're spending money on it when your rent is 60% of your income. That cannot be where money's going, as simple as that. And she has left this boundary, have you almost left? I know you kicked him out.

• 43:29Speaker 04

  I did, I did leave at one point.

• 43:31Caleb Hammer?

  There you go, so multiple times and listen. I understand, maybe you didn't hear her crying. Your ears are tiny, God put it all in the nose, okay? So like, I understand, maybe that happens.

• 43:42Speaker 03

  Hey, I can't defend you, nigga, I can't defend you. It's because we both twins. Like I said, I've been saying this since I walked in.

• 43:50Speaker 04

  His nose does not look like that.

• 43:51Speaker 03

  His nose is different.

• 43:51Speaker 04

  He's got a perfect normal nose.

• 43:53Speaker 06

  Appreciate that, appreciate that.

• 43:54Speaker 04

  Yours is bell pepper style.

• 43:56Speaker 06

  Listen, I'mma tell you this, my nigga, I'm a translator. I'm here to translate, you listen to whatever he got to say. I can't help you.

• 44:02Speaker 03

  He translated it to niggas for me.

• 44:03Speaker 06

  Oh yeah, I got you, you want me to, I got you, I got you. He said, he said punk ass nigga, why the is you still paying for a goddamn AI girlfriend? When you ain't got the money to pay for the shit? You, half your income is going towards rent, nigga? So why the are you paying for the AI shit? When your girl told you to stop, nigga?

• 44:22Speaker 06

  Type shit.

• 44:22Speaker 03

  Wild and crazy.

• 44:23Speaker 06

  That's what he's saying.

• 44:24Speaker 03

  Okay, so here is the deal, brother. Here's the deal, right? The, the amount that is going into that, number one. I'm ju- here's how I'm justifying this.

• 44:35Speaker 04

  Don't look at me.

• 44:36Speaker 03

  Here's how, I'm looking at you.

• 44:37Speaker 04

  I'm gonna hear your justification. Been there, done that.

• 44:41Speaker 03

  Here's how I'm justifying, okay? Number one, right?

• 44:47Speaker 03

  You get mad at me playing video games with anime girls in it that I ain't even trying to go into type shit.

• 44:56Speaker 04

  Correct.

• 44:57Caleb Hammer?

  That is stupid, that's stupid.

• 44:59Speaker 04

  No, no, no, no, no, let's do a little correction here.

• 45:01Caleb Hammer?

  Let him finish, let him finish.

• 45:02Speaker 06

  Let him finish.

• 45:03Caleb Hammer?

  You can respond.

• 45:03Speaker 03

  I'mma finally be able to get my shit off for once in an argument, because you never let me talk. I'mma get my shit off.

• 45:10Speaker 04

  Because you're wrong.

• 45:11Speaker 03

  See this type of shit I'm talking about? See this type of shit I'm talking about?

• 45:13Caleb Hammer?

  Keep going, go ahead, go ahead.

• 45:14Speaker 03

  You get mad at some bullshit, right? So if I'm not able to breathe here, why should I?

• 45:21Speaker 04

  This is a road you don't want to go down, because now you're gonna be embarrassed, but go, go.

• 45:25Speaker 06

  Let him go, let him go.

• 45:26Speaker 04

  I'mma let him go.

• 45:26Caleb Hammer?

  Keep going down that road.

• 45:27Speaker 04

  Get down that road.

• 45:28Speaker 03

  Keep going, don't respond. Alright. Right, um, so like, at, at what point? I don't get nothing that's mine, like, for real, like, so like, here's the deal. Here's the deal, right? We made a deal many years ago.

• 45:45Speaker 04

  Hmm hmm.

• 45:45Speaker 03

  We made a deal that if you didn't see it, it didn't happen type shit.

• 45:49Speaker 04

  Hmm hmm.

• 45:49Speaker 03

  That was the, that was the crux of the deal.

• 45:52Speaker 04

  No, it was at least try not having that all over your phone because we're about to have a child.

• 45:56Speaker 03

  Right.

• 45:57Speaker 04

  And if our child gets your phone, he doesn't need to see all over his phone.

• 46:02Speaker 04

  We were talking about, we weren't talking about AI, we weren't talking about any of that. I said, his whole YouTube feed ended up being AI like.

• 46:11Speaker 03

  It wasn't, it's anime. This is anime.

• 46:14Caleb Hammer?

  It's not on YouTube.

• 46:15Speaker 04

  You know what I mean? Like half naked anime, it's all over. I said, I don't want our son to see that. When he's in your phone, I feel like that shouldn't be all he's exposed to.

• 46:23Speaker 03

  Pretend you innocent right now because don't you give money to your ex? Consistently over time.

• 46:29Caleb Hammer?

  And how can we do that if literally rent is 60% of our income?

• 46:33Speaker 04

  I don't pay rent.

• 46:35Caleb Hammer?

  What?

• 46:35Speaker 04

  I don't pay the rent.

• 46:37Caleb Hammer?

  Well, how are you giving him money?

• 46:38Speaker 03

  It's just me.

• 46:39Caleb Hammer?

  What money? You don't make money. What money?

• 46:41Speaker 04

  Cause I saved money. I told you.

• 46:43Caleb Hammer?

  But you said he took all the money.

• 46:45Speaker 04

  No, no, no, no, no. He took that at the very beginning. We've been together for like three and a half years.

• 46:48Caleb Hammer?

  Savings left that's being drained, sending to your ex.

• 46:50Speaker 04

  I think there's like.

• 46:51Caleb Hammer?

  Why are you giving your ex? You met him in high school. Your ex must be so long ago.

• 46:55Speaker 04

  So I, so I met him in high school and then we weren't dating though. We were just really good friends.

• 47:01Caleb Hammer?

  Why are you giving money to your ex?

• 47:02Speaker 04

  Cause he's, you know, he gets really poor sometimes. So then he.

• 47:05Caleb Hammer?

  Bored or poor?

• 47:06Speaker 04

  Poor, cause most of his money goes to like weed and stuff.

• 47:09Caleb Hammer?

  You guys are poor and why would you enable that?

• 47:11Speaker 03

  First of all, why is him being poor your fault?

• 47:14Speaker 04

  Cause we're still friends.

• 47:16Caleb Hammer?

  How does that make you feel? That wouldn't make me feel.

• 47:18Speaker 06

  I ain't gonna lie, bro. I would crash out, bro.

• 47:19Speaker 03

  So like I, I knew this from the jib jump, right? I knew that from the very beginning.

• 47:23Speaker 04

  For the record, I told him I was still friends with my ex and he had the option to say it was a problem or not. And he said it was okay. I don't want y'all to think I'm not super respectful. I asked, he said it was okay to stay friends.

• 47:34Speaker 06

  Being friends with your ex is different than giving money to your ex. That's a whole different thing.

• 47:38Caleb Hammer?

  And also if his perspective changed and he was no longer okay with that.

• 47:41Speaker 04

  He also didn't fully know about me giving money before.

• 47:44Speaker 03

  We.

• 47:47Speaker 03

  I gotta be careful about the hand motions I make because of the.

• 47:50Speaker 04

  Cause you're abusive.

• 47:51Speaker 06

  Don't say that. Don't say that. Don't say that. It's already a bad rap on us, bro. Don't be saying that.

• 47:55Speaker 03

  Hmm hmm.

• 47:56Speaker 06

  Yeah, yeah. Yeah, just calm down. You know, we good.

• 47:58Caleb Hammer?

  We had Obama, everything was going great.

• 48:00Speaker 03

  Yeah, man. I know Obama.

• 48:02Caleb Hammer?

  You're bringing us down.

• 48:02Speaker 03

  Alright, so look. Look, okay. She.

• 48:10Speaker 03

  Really feels bad for this brother. Because.

• 48:14Caleb Hammer?

  And he is a brother?

• 48:15Speaker 06

  He black?

• 48:15Speaker 03

  No.

• 48:16Speaker 04

  He is black.

• 48:16Caleb Hammer?

  Oh.

• 48:17Speaker 03

  He's just black. Not brother.

• 48:18Speaker 06

  Okay.

• 48:19Caleb Hammer?

  Well, that's what I meant.

• 48:20Speaker 03

  Yeah, right, right, right. He is black.

• 48:21Caleb Hammer?

  I'm just very hard on my Rs with the brother.

• 48:24Speaker 03

  Understood, understood.

• 48:25Caleb Hammer?

  Only brother.

• 48:26Speaker 03

  And I am hard on my Rs with the crackers. So, you know, I only like Ritz, Reese's and, and other shit. Yeah, you know what I'm saying? So it's all good. It's all good. We, we understand each other in that land.

• 48:36Caleb Hammer?

  Yeah, yeah, yeah.

• 48:36Speaker 03

  All right. So she must feel bad for this man because he was poor during the relationship. When they were living together for the seven years they were together, right? And then for some reason after she left because of the exact reason why he's poor now. Because he spent all the money on weed and reefers, right? All, all that. For some reason she'll, she'll contact her and be like, hey, man, I can't fucking eat. I haven't eaten in two, three days type shit. Can I come by here? By the way, can I, can you give me the gas money to come by up there? So I can pick up some of the, some of the frozen dinners y'all got because I know y'all.

• 49:10Speaker 04

  Okay, that was like super bad. It was literally when, when y'all called to do the long one. Uh, my ex showed up and I didn't tell him and he showed up to like clear out our freezer. Cause he didn't have any money or he didn't have any food.

• 49:23Caleb Hammer?

  You just need to say this. Look him in the eye. You're with him. I finna cut you off. We no longer have any money, dead ass on God.

• 49:34Speaker 03

  Okay.

• 49:36Caleb Hammer?

  No cap.

• 49:37Speaker 03

  Nigga.

• 49:37Caleb Hammer?

  Oh, it's Jordis. I speak Chinese.

• 49:40Speaker 03

  Oh, good. Add that, add that part.

• 49:42Speaker 04

  Not saying the N word.

• 49:43Speaker 03

  Please do.

• 49:44Caleb Hammer?

  That's, that's the end. You guys don't have money.

• 49:46Speaker 04

  But I feel bad.

• 49:48Caleb Hammer?

  It does. I don't care. Do you feel bad for your kid? Do you feel bad for the relationship that's happening now? You guys have to take care of him and this savings is probably the only reason you still have a roof over your head.

• 49:58Caleb Hammer?

  What's left in savings?

• 49:59Speaker 04

  Okay, I'm okay. So bill wise, I pay all the bills. He just pays rent.

• 50:03Speaker 03

  You pay a $200 funky ass electric bill.

• 50:06Speaker 04

  I pay all of the bills. He just pays the rent. I do all the groceries, the phone bills, everything, even though I'm not working for the record. I have like around two.

• 50:13Caleb Hammer?

  Going down from where?

• 50:15Speaker 04

  There's about two grand, I think in there now, a grand, two grand.

• 50:19Caleb Hammer?

  Start.

• 50:19Speaker 04

  Um.

• 50:20Caleb Hammer?

  Before it started going down.

• 50:22Speaker 04

  Like seven.

• 50:23Caleb Hammer?

  Okay, see.

• 50:25Speaker 04

  I get it's going down.

• 50:27Caleb Hammer?

  Over the court, seven to two, over how long?

• 50:30Speaker 04

  Uh, probably since I've been out of work, so.

• 50:32Speaker 03

  So, six months?

• 50:34Caleb Hammer?

  So, six months, so at this, okay, seven to two?

• 50:37Speaker 03

  Before that, that's when the baby was born.

• 50:39Speaker 00

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• 51:08Speaker 03

  Well, actually, it's a year.

• 51:09Speaker 04

  No, because I was still getting maternity pay.

• 51:10Speaker 03

  You, that counts?

• 51:11Caleb Hammer?

  You have three months, max, until savings is zero, and then you guys might be on the street.

• 51:16Speaker 04

  So, but I, okay, so I'm trying to get a new computer.

• 51:19Caleb Hammer?

  And that is not bussin'.

• 51:20Speaker 04

  I'm trying to get it for, for the record, that wouldn't happen because his mommy pays his bills. But for I, I tried to buy a new computer, right? So I can start working from home. My computer died. So I was like, I need to get a computer so I can work from home, so I can do all of the, so I can do all of the, take back over the finances. Because before that, I fully controlled finances. So I was like, I need to get a new computer. I saved up money for a computer. I had it dedicated for the computer. He got his car towed, couldn't pay for it, and made me pay for it to get his car towed out of the tow yard. And then brought back to our unit. And then still ended up losing the car to the tow yard because he wouldn't clean it so he can sell the car.

• 51:58Caleb Hammer?

  Okay, fine, yeah, complaining about your current guy, but your last guy is asking you for money for food one to two times, two, two, one to two times a week asking for food.

• 52:07Speaker 04

  But he, yeah, not food, just money for gas.

• 52:09Speaker 03

  Money, not food. Food is tangible.

• 52:12Speaker 04

  But he pays it back sometimes.

• 52:14Speaker 03

  Food is an item that can be traded for goods and services.

• 52:16Speaker 04

  Sometimes.

• 52:18Speaker 01

  How reliable is sometimes, though? You gotta cut this dude off. You can't do that. You don't got no money.

• 52:23Speaker 03

  I don't care that he lost 50 pounds. He looks better as a crackhead.

• 52:27Speaker 04

  Because he wasn't eating. He lost like a shit ton of weight because he has so many.

• 52:30Caleb Hammer?

  Okay, are we putting our current finances first or our X? Come on, answer it, come on. Where are we?

• 52:36Speaker 03

  In the subject test.

• 52:37Speaker 04

  I feel bad. We were together for like seven years.

• 52:38Caleb Hammer?

  I don't care if you feel bad. You should feel bad when in three months your savings is zero, rent is 60% of our income. There's a lot of paperwork here, so I'm about to jump into the finances. That means we could be homeless because the minimum payments might be egregious. Come on.

• 52:52Speaker 04

  Yeah.

• 52:53Speaker 03

  Yeah.

• 52:53Caleb Hammer?

  You guys are both, no more money to the ex, no more money to AI girlfriends.

• 52:57Speaker 03

  First of all, tomato and also tomato, check it, like my, my spendence, my spendence is pales in comparison to what she.

• 53:07Speaker 04

  Not on, not on subscription.

• 53:08Speaker 03

  It pales in comparison.

• 53:09Speaker 06

  Nigga, fuck all that. Stop paying for the goddamn AI girlfriend. You don't have no money.

• 53:13Speaker 03

  It's ten dollars.

• 53:14Speaker 06

  I don't give a fuck if it's ten dollars. You know how much ten dollars adds up? For how long you been doing it? How long you been doing it?

• 53:19Speaker 04

  Um, I guess.

• 53:19Speaker 06

  Not gonna stop. How long you been doing it?

• 53:21Speaker 03

  We ain't trying to guess.

• 53:21Speaker 06

  All right.

• 53:22Speaker 03

  How long you been doing it? Ten dollars. I only paid for it.

• 53:24Speaker 06

  You said since the launch. You said since the launch.

• 53:27Speaker 03

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

• 53:28Speaker 06

  Ten dollars.

• 53:29Speaker 03

  Free services exist, nigga.

• 53:30Speaker 06

  For four years.

• 53:31Speaker 03

  I understand, free services exist, right? I only paid for it to up the quality, not the quantity, my nigga. All right, that's the only thing, right? So like, so like, so like, when you, when you, when you started, you get all the free shit, right? And I did the free shit for many years.

• 53:44Speaker 06

  Yeah, yeah.

• 53:45Speaker 03

  For all those years that we talking about.

• 53:46Speaker 06

  Nice.

• 53:47Speaker 03

  Free shit. But here's the thing, here's the thing, sometimes the quality don't match the quantity. So sometimes you gotta, sometimes you put ten dollars into a pool.

• 53:54Speaker 06

  Guess what? You know what you could sometimes do? Not do the AI girlfriend bullshit, nigga. Stop paying for it.

• 54:00Caleb Hammer?

  Candace, you were kicked out for a week.

• 54:02Speaker 06

  What we doing?

• 54:03Caleb Hammer?

  She's thinking of leaving. Come on, at what point?

• 54:06Speaker 06

  It's not people, guys.

• 54:08Caleb Hammer?

  But she's done.

• 54:09Speaker 04

  It doesn't matter, okay, it doesn't matter if it was a boundary, in my opinion, it doesn't matter. Like, I was like, beginning of it, you know? Everyone got their own fetishes, whatever. In the very beginning.

• 54:19Speaker 06

  I didn't even know it classified as a bitch.

• 54:20Speaker 04

  If you have a boundary at the very beginning of the race, like before you get into it, one month in, found out about it. If I set up that boundary, it shouldn't matter. If I'm like, hey, I consider this cheating, I don't give a shit if you do or not, that people consider cheating to be different things.

• 54:31Caleb Hammer?

  Perspective, and if you're choosing to be with her, you're taking it on.

• 54:34Speaker 04

  That boundary, and then you keep doing it.

• 54:36Speaker 03

  It's just I don't understand.

• 54:37Speaker 04

  It doesn't matter. If you don't think it's cheating, or you don't think it's real people, it was a boundary, I made the beginning of the relationship, that's all that should matter.

• 54:43Speaker 03

  Thinking it is.

• 54:44Speaker 04

  If you made the decision to stay with me, you agreed not to do it, that should be, that should matter.

• 54:49Caleb Hammer?

  What do you guys think your household financial score is? Zero to ten, zero being the worst, ten being the best? Raise your hand if you've been putting off a doctor's appointment. Be honest, dental cleaning, annual checkup, that weird thing you Googled at 2 a.m. Yeah, my hand's up too. And thanks to Zocdoc for sponsoring this message because here's the problem. When something feels off, most people just doom scroll symptoms, convince themselves it is either nothing or the end of the world and then do nothing about it at all. And Zocdoc fixes that. Zocdoc is a free app and website that helps you find and book high quality in-network doctors so you can find someone you love. You can see real patient reviews filtered by your insurance, find someone nearby and book instantly. No calling offices, no waiting on hold, no excuses.

• 55:32Caleb Hammer?

  It just makes the whole process simple enough that you actually follow through. Stop putting off those doctor's appointments and go to zocdoc.com/kaleb to find and instantly book a doctor you love today. That is z o c d o c dot com slash Caleb, zocdoc.com slash Caleb. Thanks, Zocdoc, for sponsoring this message. Let's get back to the podcast. Summer is the perfect time to get your budget in shape. And now that DollarWise is officially the best budgeting app on the market, I'm giving you a special deal to download, but only for a limited time. When you sign up for DollarWise Annual, you'll get my four course educational bundle as a special bonus, so you can get financially ripped while you track your money.

• 56:13Caleb Hammer?

  And normally this would cost over $700, by the way, but when you claim your summer budget reset discount, you'll only pay $249 for a full year of budgeting and a lifetime access to my four bestselling courses. Oh, and you'll also get a free copy of my budget-friendly cookbook PDF to download. So you can also get your body in shape, too. Don't wait until your first vacation to try to get your finances together. Go to dollarwise.com or click that link in the description below.

• 56:43Speaker 03

  Bad sound.

• 56:44Speaker 04

  I'm like a one. I'm no, probably less, probably zero.

• 56:47Speaker 03

  No, it can't be zero because we do some, we have some step towards the right. I'm gonna say four and a half to four.

• 56:57Speaker 04

  No, it's gonna be zero.

• 56:59Caleb Hammer?

  Okay.

• 56:59Speaker 03

  Out of ten?

• 57:00Speaker 04

  Out of ten.

• 57:01Speaker 03

  Out of ten, we call it four.

• 57:03Caleb Hammer?

  If you want your Hammer Financial Score, get it for free at CalebHammer.com. Just takes a few minutes to fill out, see exactly where you stand in the world of money. Again, CalebHammer.com, that is free. And if you don't want to be like them who ends up on this show, you'd know where your reoccurring charges are, you'd know where all your money's going.

• 57:18Speaker 03

  Oh, yeah.

• 57:18Caleb Hammer?

  If you downloaded the Dollar Wise Budgeting app with that, there's a free trial to see if you like it. Most people take the annual version because it saves a lot of money. And you get my personalized, physical, 30-day meal plan detailed for every snack, drink, meal for a whole month that you can use on repeat and my digital version of my cookbook. I'm signing that thing and I'm mailing it directly to you. Sign up, download Dollar Wise, click the link below, go to DollarWise.com. Okay, okay, I want to go to this, in this Amex that your grandma might be using or something. But like, when we even talk about personal finances in this house? How do these conversations go? Because this has been chaotic.

• 57:53Speaker 04

  Okay, so we don't really talk about it because I don't, I'm not allowed to know his finances half the time.

• 57:58Caleb Hammer?

  What?

• 57:58Speaker 04

  He knows everything I spend on, like, that's what the thing is.

• 58:01Speaker 03

  It's not like you're not allowed, you just don't ask.

• 58:03Caleb Hammer?

  Oh, you don't ask?

• 58:04Speaker 04

  I do ask. And I figured out, that's when I found out he has like...

• 58:08Caleb Hammer?

  Wait, we can't even...

• 58:09Speaker 03

  I gave you that information freely, dawg.

• 58:11Speaker 04

  Because he didn't know it was on there, but he has...

• 58:13Caleb Hammer?

  You can't even agree on whether or not she asks?

• 58:16Speaker 04

  I do ask.

• 58:17Speaker 03

  You don't.

• 58:17Speaker 04

  And we, I've tried to sit down and make budgets and he's like, oh, this is all I have. And then when I went to come on the show, I found out he has like, multiple things that he pays for on Google, multiple YouTube subscriptions, multiple...

• 58:28Speaker 03

  Just because I forgot about him doesn't mean I lie.

• 58:29Speaker 04

  Multiple Patreon subscriptions.

• 58:31Speaker 03

  It didn't mean I was lying or hiding, I just straight up forgot about him though.

• 58:34Speaker 04

  Yeah, he forgot, apparently.

• 58:35Speaker 03

  Yeah, I forgot.

• 58:36Speaker 04

  He has an Xbox subscription that he never paid.

• 58:38Speaker 03

  When you have the 88, sometimes you just don't remember shit. Sometimes I put, sometimes he spends money on some Patreon accounts and shit that you forget that you actually had the Patreon account because delete it off the phone and shit.

• 58:47Speaker 04

  And then...

• 58:48Speaker 03

  It's not even that much, it's like $2, $5, $6 type shit. It's not even like, it's not worth it.

• 58:53Speaker 04

  They added it up, when I finally got it, it was like $300.

• 58:56Caleb Hammer?

  Okay, so when you've asked, when you've asked, okay, he doesn't agree to ask, well, how does that go?

• 59:00Speaker 04

  I pay rent and gas. That's what he tells me. He says, all I pay is the rent and I pay for gas.

• 59:05Speaker 03

  I paid for the gas and the one loan that I, that I told you about, I tell you about every time.

• 59:09Caleb Hammer?

  You guys actually just have no clue what debts you guys actually have.

• 59:12Speaker 04

  I don't know what he has, I know what I have.

• 59:13Speaker 03

  I don't really know what you have either.

• 59:14Speaker 04

  He knows what I have.

• 59:15Caleb Hammer?

  What, guys, are we not getting married? That's insane!

• 59:17Speaker 04

  I don't know, I told him that one time.

• 59:18Caleb Hammer?

  That's one of the leading causes for...

• 59:19Speaker 03

  Then he said yes on the table.

• 59:20Caleb Hammer?

  That's one of the leading causes for divorce in this country. Finances.

• 59:26Speaker 03

  I mean, look, okay.

• 59:28Caleb Hammer?

  Single mother, single grandmother. You want her to be a single mother? That's not fair to your kid.

• 59:33Speaker 03

  I don't. I'm trying to work this out. That's half the reason why I thought we were here for.

• 59:37Caleb Hammer?

  Okay, when you've tried to work it out, tell me what that looks like.

• 59:40Speaker 04

  He didn't even want to come on the show.

• 59:41Speaker 03

  He didn't ask me, ma'am. He did not ask.

• 59:44Speaker 04

  I'm just saying you didn't even want to be on the show.

• 59:45Speaker 03

  He asked me.

• 59:46Speaker 04

  Go on.

• 59:47Caleb Hammer?

  Let him.

• 59:48Speaker 03

  All right, chill. Okay, so I will go off the pay, the, uh, the money I know is coming out because I look at it. Okay, so this is, I, I tell her, I told her about, told her, that's crazy. I, I told her about the YouTube, but subscription. I told her about, I did. It, it's a necessity. We all, we all agree that it is. Uh, I told her about the YouTube subscription. I told her about the memberships I was in on YouTube. I told her, I didn't tell her about the page.

• 1:00:17Caleb Hammer?

  Hammer Lee?

• 1:00:18Speaker 03

  Who?

• 1:00:19Speaker 04

  He didn't even watch your show.

• 1:00:20Speaker 03

  No.

• 1:00:21Caleb Hammer?

  It's literally the best and largest one on this platform because we've got three shows every single day, six days a week.

• 1:00:26Speaker 03

  They lie, bro.

• 1:00:27Caleb Hammer?

  He's, he's like one of the, he's the head producer on that.

• 1:00:29Speaker 03

  Come on now.

• 1:00:30Caleb Hammer?

  It's the best. It gives more than any other YouTube membership and you're not even part of that. You're paying for the others? What's wrong with you?

• 1:00:36Speaker 03

  And said dollars for the AI girl. Grab so petty.

• 1:00:37Caleb Hammer?

  Yeah, come on.

• 1:00:39Speaker 03

  Anyway, I told about that.

• 1:00:40Caleb Hammer?

  You could be jacking off to us three times a day instead of AI girlfriend.

• 1:00:43Speaker 03

  Wild and crazy. Please stop. Please don't say that ever again.

• 1:00:46Speaker 04

  He's got a baby face. He can.

• 1:00:48Caleb Hammer?

  I do?

• 1:00:49Speaker 04

  Yeah, he do. Especially that one time you went and shaved and you liked really fun. I've watched your show a while.

• 1:00:54Caleb Hammer?

  Was it bad?

• 1:00:55Speaker 04

  It was so bad.

• 1:00:57Caleb Hammer?

  It was an accident.

• 1:00:57Speaker 04

  It was so.

• 1:00:58Caleb Hammer?

  It was an accident.

• 1:00:59Speaker 04

  I was like, normally he's pretty okay looking. This is bad.

• 1:01:02Caleb Hammer?

  It was an accident.

• 1:01:03Speaker 04

  He shaved all his shit off.

• 1:01:04Speaker 03

  Who do I need to pay? I can get you like a Sharpie to connect that up for you if you need me to, dog. Like, I, I got you. If you need me to, you can get crispy like this. You can get like that. He's basically saying he could. Draw a hairline for you. Yeah, and then you know what, overtime with enough prayer.

• 1:01:22Speaker 04

  Little Rogaine.

• 1:01:23Speaker 03

  A little Rogaine, we can get you, we can get you straight, crispy like me. It's all good.

• 1:01:28Caleb Hammer?

  You said you've tried to approach the subject.

• 1:01:32Speaker 03

  The ADH is crazy. It makes me forget things. Alright, so I told about the little thing, YouTube, I know that's coming out. I told about memberships and YouTube, those little, that little funky ten dollars. I know that, I know that's coming out, right? I told about Xbox, even though I didn't play it for a year. I knew that was coming out. I didn't know they increased the price. That's on me. That's my fault. That's my fault.

• 1:01:53Caleb Hammer?

  They're lowering it. They're lowering it.

• 1:01:54Speaker 03

  They are.

• 1:01:56Caleb Hammer?

  It's like the only subscription ever that's getting lowered.

• 1:01:58Speaker 03

  Yep.

• 1:01:58Caleb Hammer?

  Xbox Game Pass.

• 1:01:59Speaker 03

  Oh shit. So.

• 1:02:01Speaker 04

  Keep going.

• 1:02:02Speaker 03

  Alright, um, later. Uh, so tell them about that.

• 1:02:06Speaker 04

  Thanks for that.

• 1:02:07Speaker 03

  I did not tell about the Patreon because I forgot about the Patreon. I told about the loan that I was paying for, the net credit loan. I told about the eighty dollars that was coming out of check on that one, right? I told you that was coming out. I told about the car insurance when I had the car. It was like two hundred and seventy dollars because I keep f***ing up cars.

• 1:02:23Speaker 03

  Liability, it's just liability. It's f***ed up. How does this world function like this? I don't know. But anyway, told you that was coming out.

• 1:02:29Caleb Hammer?

  Did you tell her about Cricket?

• 1:02:30Speaker 03

  Who?

• 1:02:30Caleb Hammer?

  Cricket Wireless?

• 1:02:32Speaker 03

  What do you mean Cricket?

• 1:02:33Caleb Hammer?

  Did you tell her about your Cricket Wireless?

• 1:02:35Speaker 04

  Yeah, his mommy pays this fumble. Yeah.

• 1:02:37Caleb Hammer?

  They'll see you soon.

• 1:02:38Speaker 04

  No, they won't. She'll keep paying it.

• 1:02:42Caleb Hammer?

  Okay, so you're telling her your bills.

• 1:02:44Speaker 03

  I'm telling her the bills. Big, big, big lake, small lake. Alright, I'm telling her the bills, alright? I told her all the things I know about, off the rip. I'm not looking at my shit as I'm telling it, so I don't see the extra shit that I, that she saw when I sent her the bank statement to be on this show, okay? I didn't see that, okay? So that's why I, I feel like I'm being honest because it's not, it's not lying if you forgot straight up.

• 1:03:07Speaker 04

  This is all lying. For the record, this is all lying. He didn't tell me this.

• 1:03:10Caleb Hammer?

  How do you guys want the household finances to look like?

• 1:03:13Speaker 03

  Better than it is now.

• 1:03:14Caleb Hammer?

  No, no, no. But in like what structure with combined accounts or what?

• 1:03:17Speaker 04

  I'm gonna end up taking them over. Because for the record.

• 1:03:19Caleb Hammer?

  Taking it over is different because what if he doesn't want that? I don't know. What do we want the household? finances to look like in terms of

• 1:03:24Speaker 03

  I do not mind, I do not mind sending whatever money I need to to cover my side

• 1:03:30Speaker 04

  he wants me to take it over.

• 1:03:32Speaker 03

  to her, as long as they got my little shit inside, not for AI business, but just for personal shit.

• 1:03:37Caleb Hammer?

  Okay, what about different though? What about there's one, there's one joint, your pay goes into her pay goes into

• 1:03:43Speaker 04

  he got denied.

• 1:03:43Caleb Hammer?

  Stop, stop, stop, stop.

• 1:03:44Speaker 04

  He got denied for a joint being

• 1:03:48Speaker 04

  he did.

• 1:03:48Caleb Hammer?

  There's, there's many, there's many more accounts we can look into.

• 1:03:50Speaker 04

  I tried, he got denied.

• 1:03:51Caleb Hammer?

  Even still, we'll work on it after he cleans up his shit.

• 1:03:54Speaker 04

  Maybe.

• 1:03:54Caleb Hammer?

  Everything goes in her joint and then that is where all the main things that we know we're budgeting go out of. And then we decide whatever fun amount is a lot in the budget goes to hit his individual account and goes to your individual account. So he can have his fun and he, you can have your fun. Now, I don't think I would still do the thing that she said you can't do, but even still, even still, are we okay with that? Instead of you having to like transfer in and it gets all weird, we transfer out and use our own personal accounts for fun.

• 1:04:24Speaker 03

  Okay, so that sounds wonderful.

• 1:04:26Caleb Hammer?

  Okay.

• 1:04:27Speaker 03

  That sounds excellent.

• 1:04:28Caleb Hammer?

  Good.

• 1:04:28Speaker 03

  Here's the issue, um, you know, as, as she has said, I personally have gotten a slapdown on making a joint account. For some reason, something about my credit.

• 1:04:39Speaker 04

  It's not just, you can't go.

• 1:04:41Speaker 03

  Is it not just me?

• 1:04:42Speaker 04

  No, finish that. I want to talk about the budget because he lied about all of the budget.

• 1:04:45Speaker 03

  I did not lie about the budget.

• 1:04:46Speaker 04

  No, he did.

• 1:04:48Speaker 03

  I did not lie.

• 1:04:49Speaker 04

  So for the record, he did not, whenever we did our finances, I was like, his mom said, you need to make a budget. I'm tired of paying your rent for you. So I was like, yeah, we need to sit down and make a budget. I wrote down every bill I pay. I pay all of our bills. I pay the groceries. I pay the, you know, the apartment insurance. I pay the light bills, everything. I pay everything that you need to make a house run besides rent. That's all he pays. On his side, I had all of these on his side. He had rent. How much he does in gas and his loan and his car insurance? And he said, that's all I pay. And then we took his bank statement and then he's like, oh yeah, I forgot I also pay Xbox. Oh, I forgot I also pay Patreon. That was only when we got on the show, though. Don't let him pretend he did that in the budget, because that's, that's bullshit.

• 1:05:33Speaker 04

  That was the Google ones are bullshit too. Didn't tell me anything about Google ones until I pulled his bank statement and saw it. And was like, why the do you have all of these?

• 1:05:42Speaker 03

  Because his thing, didn't know about the Google one.

• 1:05:44Speaker 04

  But you literally just said that you said, you told me them, like literally just.

• 1:05:48Speaker 03

  Google and YouTube, YouTube and Google are two separate things, but they, they run by the same company, but it's two separate thing. No, no, listen, alright, here's the problem, here's the problem with the statement he made, right? I thought I already canceled the Xbox one until you looked at the paper. That don't mean I lied.

• 1:06:06Speaker 04

  Who doesn't look at their bank account? Who doesn't look at purchases? I know everything in my bank account. I know what comes in and out of my bank account every month.

• 1:06:15Caleb Hammer?

  I'll ask you.

• 1:06:16Speaker 04

  You can.

• 1:06:16Caleb Hammer?

  When we get to it.

• 1:06:17Speaker 04

  I look at my bank account.

• 1:06:18Caleb Hammer?

  Listen, on this Amex you owe 2,791, your grandma opened it for you? Is it in her name or your name or joint or what?

• 1:06:25Speaker 03

  Okay, uh, right, America's first.

• 1:06:27Speaker 04

  I don't even know what that is.

• 1:06:28Speaker 03

  She don't even know about that, uh, because I, okay, let me explain. So when I was in college, I live with my grandma. My grandma was like, oh, you need to build your credit. So she got me an Amex card and I just kind of let her have it because like, I'm not gonna use it type shit. Like I wasn't, I wasn't, and so I let her have it so that she can do whatever the hell she was doing to build my credit. And it worked for a good bit because that before I got into that, that second car wreck.

• 1:06:53Caleb Hammer?

  Second car wreck?

• 1:06:54Speaker 03

  We will, we will talk about that when we get there.

• 1:06:56Speaker 04

  Been through quite a few.

• 1:06:57Speaker 03

  It was not, it's not.

• 1:06:59Caleb Hammer?

  What are you doing? Okay, whatever.

• 1:07:00Speaker 03

  You driving like? Keep going, keep going. Chill, I got us here, didn't I? Alright.

• 1:07:05Speaker 04

  I got the extra protection on this rental car.

• 1:07:08Speaker 03

  Oh, really?

• 1:07:09Speaker 04

  Yeah.

• 1:07:10Speaker 03

  You didn't even tell me that. Anyway, whatever. Um, so back in the day. Um, but I'm moving in where she was like, uh, here's the, here's the card. I'm not gonna, I'm like, I'm not gonna use it. Well, you gotta use it sometime or sometime or to build your credit. And I was like. You got it. And I said, um, and then that's what I didn't know, uh, that they had a balance on it. I didn't know it existed. I forgot it existed until y'all started talking to me about it. I don't look at my credit report.

• 1:07:39Caleb Hammer?

  So it wasn't you, it was your grandma? So it was all your grandma?

• 1:07:43Speaker 03

  Probably.

• 1:07:44Speaker 04

  But she was also supporting him while he was in college.

• 1:07:47Caleb Hammer?

  Right, but she's keeping a balance out of your... So you're not having to pay this? She's paying the minimums?

• 1:07:51Speaker 03

  Yeah.

• 1:07:52Speaker 04

  No.

• 1:07:52Caleb Hammer?

  We don't know for a fact.

• 1:07:53Speaker 03

  I have actually not...

• 1:07:54Caleb Hammer?

  Well, you didn't even know this existed. How can you say that?

• 1:07:55Speaker 04

  No, but she's... I know she's not paying on any of his credit cards.

• 1:07:59Caleb Hammer?

  Can you get me into the... Are you in the app? Are you in the app? Because this is just like, we wrote down information. Are you able to pull up the app of the Amex so I can even see what's happening in there?

• 1:08:09Speaker 03

  No.

• 1:08:09Speaker 04

  I guarantee you with how much money she gives him a month, if there was only that little of a balance, she's not paying it.

• 1:08:15Caleb Hammer?

  No, no, no. Minimum. Minimum.

• 1:08:16Speaker 04

  No, I know what you're saying. I'm saying if there is a balance...

• 1:08:19Caleb Hammer?

  Is that on your credit report?

• 1:08:20Speaker 04

  There is no... It was, I think it was on his credit report.

• 1:08:23Speaker 03

  Yeah.

• 1:08:23Caleb Hammer?

  Do you have your credit report for me?

• 1:08:25Speaker 04

  Yeah, it's... I send him.

• 1:08:26Speaker 03

  Using your gimmicks, yeah.

• 1:08:27Caleb Hammer?

  Okay, can you try to find that in there? Let's... I need to figure out what the minimum is. Is it being paid? So we'll go back to the Amex. Well, you're getting cash advances, Beth.

• 1:08:37Speaker 04

  I do.

• 1:08:38Caleb Hammer?

  Okay, so this isn't all him bad. You're getting...

• 1:08:40Speaker 04

  No, it was him.

• 1:08:41Caleb Hammer?

  No, no, no.

• 1:08:42Speaker 04

  It was because he couldn't pay rent or things like that, so I would have to...

• 1:08:45Caleb Hammer?

  But you have savings and you're giving all your savings to your ex for the past six months!

• 1:08:49Speaker 04

  It was in between. So I had, it's like, when I was on maternity leave, there was a good distance where they weren't... I had to go on, I was high risk. So they weren't paying. I had to take like a four-month maternity leave, five-month maternity leave, something like that. And they took like three months to start paying me my maternity leave. So this was even before all of that.

• 1:09:10Caleb Hammer?

  Okay, either way, you had savings, right?

• 1:09:13Speaker 04

  No, because he wasn't working, so I was paying all of the bills.

• 1:09:17Speaker 03

  Oh, okay.

• 1:09:18Caleb Hammer?

  So you're...

• 1:09:18Speaker 04

  He had to gotten fired again.

• 1:09:21Caleb Hammer?

  Well, when was this? Because you still... Oh, 2,545 on your cash advances. Do you have minimum payments on them, or are they fully drawn and you can't borrow anymore until you pay on them? Like, what?

• 1:09:31Speaker 04

  I think they're all fully drawn.

• 1:09:33Caleb Hammer?

  Okay.

• 1:09:33Speaker 04

  And I can't pay on them.

• 1:09:34Caleb Hammer?

  Are there minimum payments?

• 1:09:35Speaker 04

  I think they're supposed to be, but I don't think we have them come out. I think they've just like...

• 1:09:39Caleb Hammer?

  Then you pulled him up so you can find the [bleep] out?

• 1:09:41Speaker 04

  I couldn't actually...

• 1:09:42Caleb Hammer?

  I can't build a budget without knowing your minimum! Minimum payments.

• 1:09:46Speaker 04

  I don't think like they actually have, I think it's like a pay in full. I don't think they're minimum payments anymore.

• 1:09:52Caleb Hammer?

  Okay, that was my question.

• 1:09:54Speaker 04

  But they're not on my credit report.

• 1:09:55Caleb Hammer?

  Maybe they will be if they ever sell them off. They just probably haven't sold them off. They just know that you want access to them and you can't take from them unless you pay on them.

• 1:10:03Speaker 04

  Yeah.

• 1:10:04Speaker 03

  Probably it.

• 1:10:06Speaker 03

  Uh, but was that the one?

• 1:10:11Caleb Hammer?

  You're not gonna knock up a white [BLEEP], right? They're so annoying.

• 1:10:15Speaker 03

  They're the worst. As much as I may or may not agree with you, I cannot let it stand, you know?

• 1:10:23Caleb Hammer?

  Oh, you guys weren't involved in that conversation. This is between me and my boy.

• 1:10:26Speaker 03

  No, no, you know, you know, I love my snow bunnies though. You know, you know, I love them. But listen, but I get the smart one. I get the smart one though.

• 1:10:31Caleb Hammer?

  But don't knock, but don't knock him up is what I'm saying.

• 1:10:33Speaker 04

  The knocking up was an accident.

• 1:10:34Speaker 03

  You're right, you're right.

• 1:10:35Caleb Hammer?

  Exactly, that's what knocking up is.

• 1:10:36Speaker 04

  I know, but I was told I couldn't have kids, like by doctors. No, like legit, I had a bunch of surgeries and they said it would be impossible for you to get pregnant. And like even me and my ex, the one, we were together forever. We tried doing fertility, everything.

• 1:10:49Caleb Hammer?

  That nut is trained.

• 1:10:50Speaker 04

  Magic sperm came up in me.

• 1:10:52Caleb Hammer?

  That nut is trained as a sprinter.

• 1:10:54Speaker 04

  It is. I like, we were so shocked.

• 1:10:56Speaker 03

  Magical leftward.

• 1:10:57Speaker 04

  Cause I was literally, they're like, they were like, there's no way you'll end up pregnant. Cause we tried fertility, we tried everything. They're like, with all the stuff you had done, it wouldn't happen. And then boom.

• 1:11:06Speaker 03

  That means you healthy. That means you healthy though.

• 1:11:08Speaker 04

  We also use like protection and we're taking precautions just in case.

• 1:11:13Caleb Hammer?

  Dude, that.

• 1:11:15Speaker 04

  Miracle babies.

• 1:11:16Caleb Hammer?

  You bred with the wrong one. That shit is absolutely trained to sprint.

• 1:11:22Speaker 03

  What that's.

• 1:11:24Speaker 04

  I mean.

• 1:11:25Caleb Hammer?

  He was training, running from the tigers, the lions, then he was training, running from the slavers, then training, running from the plantations, then training, running from prison, then training, now running from the police. That shit was training, running from all the way straight to the egg.

• 1:11:40Speaker 04

  Yeah.

• 1:11:41Speaker 03

  Hey, you know, hey.

• 1:11:41Caleb Hammer?

  It was prepared. It, that was his entire evolutionary purpose.

• 1:11:46Speaker 04

  My ex was black too.

• 1:11:48Caleb Hammer?

  Okay, you have a time, congratulations.

• 1:11:50Speaker 04

  No, no, I dated a lot of people.

• 1:11:51Caleb Hammer?

  What are you racist?

• 1:11:52Speaker 04

  Two black people. I've only dated two black people.

• 1:11:54Caleb Hammer?

  Are you racist? Okay.

• 1:11:56Speaker 04

  I date the rainbow. I'm not, that's not really a type.

• 1:11:59Speaker 03

  Look, only fifteen percent of my sperm got to fifty percent of the ovaries, alright? So we just gonna, we, we just gonna accept where we at.

• 1:12:06Caleb Hammer?

  Listen, the Amex is in good standing. It's eighty dollars a month minimum. It's set up on some autopay. I do not know if it's you.

• 1:12:14Speaker 03

  It's probably grandma.

• 1:12:15Caleb Hammer?

  Yeah, but maybe she set it up on yours. Cause she's so involved, I don't know. Or she's paying it. But listen, I will, I don't know whether or not to include that in the budget or not. Actually, I will say, let's include it in our budget. Maybe it's time to grow up for the first time in our entire lives. Okay.

• 1:12:30Speaker 03

  Run it, run it out. Run it, run it, run it, run it. Add it if you want to.

• 1:12:32Caleb Hammer?

  Um, net credit. Who, who, who is net credit?

• 1:12:35Speaker 03

  That's me.

• 1:12:36Caleb Hammer?

  Net credit, okay. At least you know.

• 1:12:38Speaker 03

  Uh, that, that's the one, that's one of the two I know about. Uh, Lord, so the net credit one is what I took out, uh, to pay, to help pay for the repairs to the car on the second car wreck that she's talking about.

• 1:12:48Caleb Hammer?

  Why'd you get in a car crash?

• 1:12:50Speaker 03

  So, I was just on the way.

• 1:12:52Speaker 04

  He was playing on his phone.

• 1:12:54Speaker 03

  Hey, how about we let me tell the story since I was the one that was there and not you?

• 1:12:57Caleb Hammer?

  On your way to what?

• 1:12:57Speaker 04

  He was on his phone.

• 1:12:58Speaker 03

  Nah, nah. Anyway, don't listen to her. She wasn't there, she don't know. Uh, I was on the way to get it maintenance, which is the ironic part, Lord. If, if we don't live in the world of irony, this is where we live in at. Okay, so I was on the way, I was back from getting it maintenance. They told me it was a hundred fifty dollars. I said, that and I left down to the long road. It was a long highway. Uh, it was like one of those things in the grasslands where like, you know, uh, the grass is so high, you can't really see around the corner. You just know that the corner exists, right? And so I'm, I'm driving around the corner. I look to my left, uh, to see if I can change lanes and get over. There is a, there is a stoplight or whatever they, it's called, traffic light.

• 1:13:35Caleb Hammer?

  Yeah, that's following the law.

• 1:13:37Speaker 03

  Yeah, hold up. We gonna get there.

• 1:13:39Caleb Hammer?

  Okay.

• 1:13:39Speaker 03

  Alright. I can see the traffic light. I can't see like the road because the corner is so, and the, and the grass is so, right? And so. I look to my left trying to change lanes. I'm in the far right lane, looking to the left. I'll go from this to this, right? I see the traffic light's green. I'm like, we straight, we good. I go from, I go from looking to my left, front, truck's still, stock's still for no reason, just right in front of me. Right? Stock's still. I'm going, it's a seventy mile an hour highway, alright? I'm going to speed limit. I'm checking my mirror. I'm doing everything I'm supposed to do, Lord. And then, you know, I, I, all I could really do is say, you know, the S-word, shit, and then hit the brake hard.

• 1:14:24Speaker 03

  You know what I'm saying? And then that wasn't hard enough. Smacked in the back of them. Uh, they were, they was a little bit upset about it, but you know.

• 1:14:34Caleb Hammer?

  Oh, were they? No, okay.

• 1:14:36Speaker 04

  She got hurt.

• 1:14:38Speaker 03

  She didn't get, I don't.

• 1:14:39Caleb Hammer?

  Your net credit is, uh, you haven't paid for it all.

• 1:14:44Speaker 03

  No, I paid it.

• 1:14:45Caleb Hammer?

  Twenty twenty-five was late every single month. Not missed, but late.

• 1:14:50Speaker 03

  Yeah, here's, here's the thing, right? Also, uh, that was probably at that point in time where I didn't, yeah, I was, uh, uh, I was, that was probably at the point in time where I didn't have a job and I called him, I told him I didn't have a job and I was wondering if I could, uh, uh, defer it for a little bit until I could get that, uh, job and I started work. That's when I, right before I started working at Amazon and type shit. And then, um, yeah, type shit. Um, indeed. Um, so.

• 1:15:14Caleb Hammer?

  No, that's a, that's a jobs website. You don't go on that.

• 1:15:17Speaker 04

  No. No.

• 1:15:20Speaker 03

  Oh, oh.

• 1:15:22Speaker 04

  He doesn't even apply to his own jobs.

• 1:15:23Speaker 03

  No.

• 1:15:24Speaker 04

  Guess who does it?

• 1:15:25Speaker 03

  Eh, who? No, hold on, hold on. We ain't gonna let her do this.

• 1:15:29Caleb Hammer?

  Brutal allegations.

• 1:15:30Speaker 04

  It's not an allegation. It's true. His mom applied to his jobs and I applied to his job.

• 1:15:33Speaker 03

  Not all the time.

• 1:15:34Speaker 04

  In his current job, his mommy got him for him, cause he wouldn't get a job.

• 1:15:37Speaker 03

  That's just come out of my mom friend. I'm like, I applied to the job myself. I did that, right? It's called networking, huh?

• 1:15:43Caleb Hammer?

  I will get you a course career certification.

• 1:15:45Speaker 03

  Thank you.

• 1:15:46Speaker 00

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

• 1:16:15Caleb Hammer?

  This is a class. Many people in the audience have taken these certifications, converted them into six-figure jobs, either with raises to their current job, or changing their jobs. I'll get one for both of you. And I just want to reiterate, because I know I'm making lots of jokes during this episode. I want you to know that I am a supporter. I'm a good man. Today, we are supporting black culture in this office. We are doing a Fat and Fatter episode of Burger King.

• 1:16:35Speaker 06

  Yeah, yeah, yeah. What does that have to do with it? What does that have to?

• 1:16:38Caleb Hammer?

  So I just want you to know that.

• 1:16:40Speaker 03

  So is it both of y'all?

• 1:16:41Caleb Hammer?

  And I, as a supporter, also will not be putting on the Burger King crown. I promise. I, uh, but Brandon, well, he's the racist, so.

• 1:16:50Speaker 06

  Yeah, that is true. That is true.

• 1:16:52Caleb Hammer?

  He'll be showing up to the airport later.

• 1:16:54Speaker 03

  I knew there was something wrong with you.

• 1:16:56Caleb Hammer?

  You haven't seen the, you haven't seen the, you haven't seen the people with the.

• 1:17:00Speaker 04

  I have a baby. I don't know.

• 1:17:01Caleb Hammer?

  Burger King crowns in the fucking.

• 1:17:03Speaker 03

  You've never seen a Burger King?

• 1:17:04Speaker 04

  No, I know, I know the crowns, but I don't.

• 1:17:07Caleb Hammer?

  At an airport, on an airplane?

• 1:17:09Speaker 04

  No.

• 1:17:09Caleb Hammer?

  Burger King crown?

• 1:17:10Speaker 06

  You don't know what the crown means?

• 1:17:11Speaker 04

  No.

• 1:17:11Speaker 06

  It's the king. It's the mascot.

• 1:17:13Speaker 04

  I know, I know what the crown is. I don't know.

• 1:17:15Speaker 03

  The little paper one.

• 1:17:16Speaker 04

  Yeah, I know.

• 1:17:17Caleb Hammer?

  Wait, none of you guys know the racist thing? Okay, that's fine.

• 1:17:19Speaker 03

  What? Is it racist thing?

• 1:17:20Speaker 04

  Yeah.

• 1:17:21Speaker 06

  He's saying that black people.

• 1:17:21Speaker 03

  Yeah, that's the worst thing I'm missing.

• 1:17:23Speaker 06

  He's saying black people work at Burger King.

• 1:17:24Caleb Hammer?

  No, no, no, no, no.

• 1:17:25Speaker 03

  But like, that's a statue.

• 1:17:26Caleb Hammer?

  Never mind. They're just, none of them are getting their.

• 1:17:27Speaker 03

  And Mexicans work at Popeyes.

• 1:17:28Caleb Hammer?

  You guys never seen the video of the guy wearing the Burger King hat on the plane?

• 1:17:31Speaker 04

  Was it recent?

• 1:17:32Speaker 03

  Oh.

• 1:17:34Speaker 04

  Like, I literally have a baby. That's what my time goes to. I'm gonna be so for real.

• 1:17:38Caleb Hammer?

  Okay, either way, listen, net credit, okay, so it was for the wreck. Was this just the tow, or was this just like the repair?

• 1:17:45Speaker 04

  That was a portion of the repair, and then my savings was the rest of the repair.

• 1:17:49Caleb Hammer?

  Okay, $1,512. Second wreck.

• 1:17:53Speaker 04

  No.

• 1:17:53Caleb Hammer?

  He said this was for the second.

• 1:17:54Speaker 04

  Same wreck, two different times I had to go to the shop.

• 1:17:57Speaker 03

  Yeah, I had to go to the shop again because the radiator, the radiator, they said they'd fix it because I was paying out of pocket, right?

• 1:18:02Caleb Hammer?

  The what?

• 1:18:03Speaker 04

  Radiator.

• 1:18:03Speaker 06

  He said radiator went out in his car.

• 1:18:05Caleb Hammer?

  Okay.

• 1:18:05Speaker 06

  Radiator.

• 1:18:06Speaker 03

  Blackness, right. I'm sitting. So, look, I smacked, right? Smacked in front of, uh, the vehicle that was in front of me. That's how we were in work. And, um.

• 1:18:15Caleb Hammer?

  You're taking back shots, yep.

• 1:18:16Speaker 03

  I was giving it, technically.

• 1:18:18Caleb Hammer?

  That's good.

• 1:18:18Speaker 04

  He takes them too.

• 1:18:23Speaker 03

  Nani, whoa, don't say that on live. That's crazy. That's not true. It's not true. Chill out.

• 1:18:28Caleb Hammer?

  I don't know. I feel like if that wasn't true, you wouldn't be so defensive.

• 1:18:31Speaker 06

  Yeah, I don't know.

• 1:18:33Speaker 03

  I don't know, you be tooting that thing up. Hell no, hell no, this we ain't gonna try it, we ain't gonna talk about it. Alright, we ain't gonna talk about it, alright, we ain't gotta talk about anything.

• 1:18:45Speaker 04

  I'm sorry to tear his personal information, he totally doesn't take it as a fact.

• 1:18:48Speaker 03

  This lady is the craziest lady I've ever seen in my life, she just says lies. She just says lies so easily.

• 1:18:55Caleb Hammer?

  Nat credit, you owe one thousand five hundred twelve dollars with a one hundred seventy four dollar minimum payment. But for the last year and a half, you're late every single month, why are we late?

• 1:19:02Speaker 03

  Okay, so there was a point in time where I didn't have a job because, alright, and so, um, and so.

• 1:19:07Speaker 04

  Multiple times, for the record.

• 1:19:09Speaker 03

  I missed some payments on that, uh, on, on the back end there. So, um, so I talked to them, right, I called them on the phone, they, hey, uh, easy pay, what's up? I said, hey, can we defer it a little bit so he can help me out, because I'm gonna pay you.

• 1:19:23Caleb Hammer?

  Wait, okay, I'm moving on, because this is blowing my mind, what, your mom's not helping you, your mom's threatening to sue you.

• 1:19:30Speaker 03

  She love me, she ain't gonna do it, but, um.

• 1:19:32Caleb Hammer?

  What, what, what?

• 1:19:32Speaker 04

  Because he owes his mom and grandma so much money that she got pissed, it involved, okay, so, the night I found out.

• 1:19:39Caleb Hammer?

  How it is?

• 1:19:40Speaker 04

  The night I found out about him doing that with the baby, I called his mom and was like, I'm gonna leave your son if you don't do something, I swear, I'mma just leave, I'm so tired. And his mommy's the reason he stays when I said that, because his mom gets on him all the time, he loves me too, but you know.

• 1:19:54Caleb Hammer?

  No, I'm sure.

• 1:19:55Speaker 04

  But I called his mom and she came down here and she was like, I am so tired of you spending it on bullshit, I'm gonna sue you for all the like seven, eight grand you owe me.

• 1:20:04Speaker 03

  Hold on.

• 1:20:05Caleb Hammer?

  Yeah, I have seven thousand dollars.

• 1:20:07Speaker 04

  I'm gonna put all of these child protection things on your phone, oh, did we not say that yet?

• 1:20:13Caleb Hammer?

  No, no, no, you're right, yeah.

• 1:20:13Speaker 04

  Censor your phone, like with child protection, so you can't do anything. And if you need to borrow money, or you make your grandma, who still borrows money, or he still takes money from?

• 1:20:22Speaker 03

  Yeah, no, no, no, no, no, that's not the same thing.

• 1:20:25Speaker 04

  That she's gonna sue him for all the money back, because she's so tired of dealing with it.

• 1:20:28Speaker 03

  Look, okay, look, look. I do not ask most, okay, so I only ask mama for money in the cases of emergency. Rent is due, they put the red note on my door.

• 1:20:39Caleb Hammer?

  Every month.

• 1:20:40Speaker 03

  Nah, but like, not really, not really, but sometimes.

• 1:20:45Speaker 04

  He says I like that.

• 1:20:46Speaker 03

  I miss work, sometimes, and I'm living check to check, as you probably have seen.

• 1:20:50Caleb Hammer?

  Well, yeah, I want you, I want your mom to cut you off, but the thing is also without her working with you, only making twenty-four hundred, twenty-four hundred dollars a month, that even when she, like, there's no chance of being able to afford life.

• 1:21:01Speaker 04

  And for the record, he said he doesn't, he said he doesn't ask his mom for money a lot, it's different. He asks his grandma for money when it's small amounts of money, when it's large sum of monies is when he goes to his mom. So it's not like he's not constantly borrowing money.

• 1:21:14Caleb Hammer?

  Your mom is correct in this, she said, quote, "If you have money to pay for your little subscriptions, then you should be paying your rent." That's fair, that's fair.

• 1:21:24Speaker 03

  Okay, it is fair until you understand that the actual amount of money of the prescriptions is non, uh, what's it called? It's not, it's not, it's, it's still ain't gonna cover the gap, so like, it's, it's like less than how much I would, oh, let me tell you something. Uh, so I make my little twelve hundred dollars on the check, right?

• 1:21:44Speaker 04

  Which is that?

• 1:21:45Speaker 03

  It was like twelve.

• 1:21:46Speaker 06

  He makes, he makes twelve hundred dollars on his check when he gets it.

• 1:21:48Caleb Hammer?

  Oh, check, oh.

• 1:21:49Speaker 06

  Yeah, yeah, yeah.

• 1:21:50Speaker 03

  Um, not, not, not on, anyway.

• 1:21:52Caleb Hammer?

  I don't, I just didn't understand, keep going.

• 1:21:54Speaker 03

  I'm gonna figure you out, I thought I figured you out, I don't know if you're smart or, or.

• 1:21:58Caleb Hammer?

  No, I just couldn't understand.

• 1:21:59Speaker 06

  He thinks you're slow.

• 1:22:00Caleb Hammer?

  No, no, no.

• 1:22:01Speaker 04

  You don't talk like normal people, so.

• 1:22:04Caleb Hammer?

  And I am pro this, I have a specific policy, I told Tyler that I do not want him to code switch here.

• 1:22:09Speaker 06

  Yeah, yeah, yeah. I specifically told him not to code switch.

• 1:22:11Speaker 04

  It took some time for me to get, I can't say it, it took some time to get.

• 1:22:16Speaker 03

  I'll say it for you, she had to get the nigga knees out, alright, it's called, it's called tightest knees.

• 1:22:22Speaker 04

  There we go, we'll say it that way.

• 1:22:24Speaker 03

  Alright, it's the way that, Titus, me, myself, the T, young T Y T is not just me.

• 1:22:28Caleb Hammer?

  Where are you from?

• 1:22:29Speaker 03

  Uh, let's see, I grew up in Keller, Texas. And then

• 1:22:33Speaker 04

  From Texas. He's from Texas.

• 1:22:35Speaker 03

  Texas, Texas, yeah.

• 1:22:36Caleb Hammer?

  I'm being told that's the whitest place.

• 1:22:38Speaker 04

  It is.

• 1:22:39Speaker 03

  It is, but I went to college in Pine Bluff. Therefore, all the black.

• 1:22:43Speaker 04

  That's in Arkansas.

• 1:22:44Speaker 03

  H S A, H B C U.

• 1:22:46Speaker 06

  Yeah, yeah. Pine Bluff is a very dangerous area in Arkansas. Very, very black. So, super black.

• 1:22:50Caleb Hammer?

  That's kind of f***ing stupid, I'll be honest. But what's not is actually getting a checking account that gives you free money. Free money. We like free money. You can get up to $200 in bonus cash right now when you sign up for the checking account that I use. Chime. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Audit and get free money at the same time. Who would have thought? That's incredible. Check it out. Link in the description below. And don't forget, I want you to be on the next episode of Financial Audit. So, go to CalebHammer.com/apply or click that link in the description below. You'll have a great time and I'm gonna roast the f*** out of you.

• 1:23:29Speaker 03

  I, I, I got re-indoctrinated and I got re-educated and I understand what I'm like, you know what I'm saying?

• 1:23:34Speaker 06

  Understood.

• 1:23:35Speaker 04

  No.

• 1:23:36Speaker 06

  Uh, listen, bro. I'm gonna talk to you from somebody that loves their mom, bro. Uh, he'll get into the finances and stuff, but you, you gotta, you gotta make your parents proud, bro. You gotta, you can't keep taking money from them, bro. No, don't speak, don't speak. Like, real talk, it makes you look real bad, bro, when you keep taking money from your mom and your grandma, bro. You gotta, you gotta, you gotta cut that off, bro. You gotta start paying that shit back, bro, and you gotta stop, bro. I don't care if you were down, you know what I'm saying? But like, you owe them so much f***ing money that you need to stop, bro.

• 1:23:57Speaker 03

  I understand.

• 1:23:58Speaker 06

  It's getting real bad.

• 1:23:59Speaker 03

  I understand.

• 1:23:59Speaker 06

  And you keep saying these little subscriptions. You keep saying $5, $10, $5, $10. You add all that shit up and it counted in a year.

• 1:24:05Speaker 04

  It's like $200.

• 1:24:05Speaker 06

  You're spending a lot of, you're spending a lot of f***ing money on these small things, bro. That's like if I go to 7-Eleven every day and go get a f***ing pack of Reese's every single day. That f*** is gonna add up.

• 1:24:14Speaker 03

  You don't?

• 1:24:14Speaker 06

  I don't, nigga. What the f***?

• 1:24:16Speaker 03

  Oh, my bad.

• 1:24:17Speaker 06

  I make money and I save money. You feel me? You gotta do the same thing. You gotta stop spending all these goddamn subscriptions if you don't got the money for it, bro. What are you doing?

• 1:24:25Speaker 03

  Allow me to.

• 1:24:26Caleb Hammer?

  Black and black crime as always.

• 1:24:30Speaker 03

  This is really what we need in our community type shit. Let me actually, uh, let me actually.

• 1:24:36Speaker 04

  He's got the mindset of like a toddler.

• 1:24:38Speaker 03

  Eh, hold on.

• 1:24:39Caleb Hammer?

  He'll give you another black eye, careful.

• 1:24:42Speaker 03

  Ah, okay, ugh, that would hurt my spirit, Lord.

• 1:24:49Speaker 03

  Okay, let me, let me, let me, let me explain, let me explain something, right? The, the fact I still have a joint account with my grandma is non, is not, is like, is not like something that I chose necessarily, right? What had happened was, what had happened was.

• 1:25:04Caleb Hammer?

  It doesn't matter, dude, your mom has cut you off, correct?

• 1:25:07Speaker 04

  No.

• 1:25:08Caleb Hammer?

  What? I, I haven't noticed that she has.

• 1:25:10Speaker 04

  No, she said she would.

• 1:25:12Speaker 03

  Okay, I told you she loves me, she ain't gonna sue me, but like this thing.

• 1:25:15Caleb Hammer?

  The note I have is, she said she's not helping anymore, and she said if she sees him begging grandma for money one more time, she will make sure that lawsuit happens.

• 1:25:24Speaker 04

  Yeah, guess what?

• 1:25:25Speaker 03

  I don't actually beg my grandma for money, my grandma just looked at the account like, eh, baby, I see that you low, I put fifty dollars in there for her. I didn't ask for this shit, but I don't know what to do with it.

• 1:25:33Caleb Hammer?

  Who has this collections? These two collections?

• 1:25:36Speaker 03

  It, uh, that is probably me.

• 1:25:38Speaker 04

  That's you?

• 1:25:39Speaker 03

  Yeah.

• 1:25:40Caleb Hammer?

  Okay, well, you're letting things go to collections, that's not surprising if you're not paying on things, man.

• 1:25:43Speaker 04

  I'm pretty sure everything's him except for the cash advance is all him.

• 1:25:47Caleb Hammer?

  Well, that's not good either, cash advance is a bad trap to get into.

• 1:25:50Speaker 04

  Okay, but when.

• 1:25:50Caleb Hammer?

  It can be a valuable tool, but out of it's the trap you're getting in.

• 1:25:53Speaker 04

  I had like a two month old baby and he wasn't working and I was trying to pay everything by myself.

• 1:25:58Caleb Hammer?

  You should be a father.

• 1:25:59Speaker 04

  I'm just saying that I like, I didn't have a choice, I literally had to take it out.

• 1:26:04Caleb Hammer?

  Okay. I have zero confidence in the future of this relationship because you were literally about to leave and then you literally just found out you were pregnant, so you felt like you were forced to stay. That's what you told Colton.

• 1:26:17Speaker 04

  That was true.

• 1:26:19Speaker 03

  No.

• 1:26:19Caleb Hammer?

  How does that scream this relationship has any longevity? You're forcing to try to make it work.

• 1:26:25Speaker 03

  At every point in time when.

• 1:26:26Speaker 04

  And we have a baby now, like, what am I gonna do?

• 1:26:29Speaker 03

  In the most emergency situations, when you have four or five kidney stones at the same time, at the same time, who was with you? It was me, I walked you down them steps as you was crying, and crying in my arms, saying like I was in pain. Right?

• 1:26:39Speaker 04

  That's why I was pregnant. I got a kidney stone.

• 1:26:41Speaker 03

  You got several, several, right? I'm the one you lean on for this.

• 1:26:45Speaker 04

  He's like the biggest narcissist in the world.

• 1:26:47Speaker 03

  That's not, that's not me being a narcissist.

• 1:26:49Speaker 04

  Biggest narcissist in the world.

• 1:26:51Speaker 03

  Right?

• 1:26:51Speaker 04

  Yeah.

• 1:26:52Speaker 03

  So like, I, I, I do, I, I do, I know, I know I got my flaws and shit, but I also have my good. I also have my good side too, right? And you see that, you see that, you see that and you love that and you want that in your life. Because every other nigga was with you, what happened? What I mean, I say, I'm not trying, I'm not trying to put you on blast, but I'm just being real.

• 1:27:10Speaker 04

  Even bad, he just was bad.

• 1:27:12Speaker 03

  With money because he's spending ounces of weed at a time. Brother, you and I both know that that is a lot of money to be spending when you can't eat.

• 1:27:20Speaker 06

  That is a lot of money, you can't eat.

• 1:27:21Speaker 03

  I spend mine on video games and other little, little, little side bullshit, right? Which can be.

• 1:27:26Speaker 04

  I just spend mine on AI. You know, not weed, I just use it to jerk off on a daily.

• 1:27:32Speaker 03

  Ten dollars or ten hundred, what we talking about, man? What we talking about, what's more money? I'm saying, I, I, I'm, and, and, and I, I've apologized, I've apologized already about the AI thing. I'm not doing no more, we already know.

• 1:27:43Speaker 04

  He's not, he, uh, who knows, he more than likely is, let's be real.

• 1:27:46Speaker 03

  I'm not doing it no more.

• 1:27:47Speaker 04

  How many times we been in this fight where he's like, I'm not doing it and then find out he still is, he more than likely still is.

• 1:27:51Speaker 03

  I'm not, I'm not though, I'm not though, right?

• 1:27:53Caleb Hammer?

  I have a car loan for a car you don't have anymore of seventeen thousand thirty one dollars.

• 1:27:57Speaker 03

  Hey.

• 1:27:57Speaker 04

  Hey, guess what happened to it?

• 1:27:59Speaker 03

  Hey.

• 1:27:59Caleb Hammer?

  Is this half the second rack?

• 1:28:01Speaker 03

  So, so this is the first ring. Uh.

• 1:28:03Caleb Hammer?

  How'd you do what?

• 1:28:04Speaker 03

  Um, okay, alright. So in my life, I've been in.

• 1:28:08Speaker 04

  A lot of car accidents.

• 1:28:09Speaker 03

  Foul, foul car accidents in my driving life.

• 1:28:11Caleb Hammer?

  Oh.

• 1:28:11Speaker 03

  Uh, foul, yeah, that's, that's one, two, three, and also foul. And, um, what happened in this one, right? I'm driving down the long road, it's a, I'm working, I've worked from ten o'clock to eleven o'clock at the pharmacy. I'm in, um, I'm in deep Texas, whatever, wherever it was, where it has a long two lane highway.

• 1:28:30Speaker 04

  It's really country.

• 1:28:31Speaker 03

  Yeah, real, yeah, real country, a long two lane highway and it's eleven o'clock at night. Uh, Bambi ho ass, I hate Bambi, hey, Bambi, I hope, I'm glad your mama died. Um, um, Bambi ho ass come across the street. I see this last second, cause I'm sleepy. You wanna know why I'm sleepy? I work till eleven o'clock. So I see this last second, so I move this way, right? That little motion had me catch this concrete, whatever the fuck, little, uh, you know what I'm talking about, right?

• 1:28:56Caleb Hammer?

  Median?

• 1:28:58Speaker 03

  It's not the median, it's on the, it's on the, it's on the shoulder. It's not even a curb, cuz it's on the, cuz it's country, remember. Country don't have curb. They have grass and they have not grass. And so I hit the, um.

• 1:29:07Caleb Hammer?

  Okay.

• 1:29:08Speaker 03

  I hit.

• 1:29:08Caleb Hammer?

  Well, why?

• 1:29:09Speaker 03

  The thing, the thing that drainage is, you know what I'm talking about? That drains the road type shit. I hit that and then flipped the car eight times. Flipped the car eight times. Didn't know it was eight. I thought it was one. I counted one.

• 1:29:19Caleb Hammer?

  Do you have a minimum monthly payment on this? I assume it's, it's in collections? Cuz we couldn't get info on it.

• 1:29:26Speaker 04

  It's in collections. He quit paying it.

• 1:29:28Speaker 03

  Yeah.

• 1:29:29Caleb Hammer?

  Who the has seventy-three thousand four hundred fifty-eight dollars in student loans?

• 1:29:33Speaker 03

  I didn't even know that.

• 1:29:34Caleb Hammer?

  Who?

• 1:29:35Speaker 04

  Him.

• 1:29:35Caleb Hammer?

  Titus?

• 1:29:36Speaker 04

  Yep.

• 1:29:36Caleb Hammer?

  For what?

• 1:29:37Speaker 03

  Huh?

• 1:29:38Speaker 04

  Who also got financial aid and various other things.

• 1:29:41Speaker 03

  Okay, let me talk about this, okay? Cuz this is not, cuz I didn't even know. I didn't even know this until, until I saw the report. So, uh.

• 1:29:47Caleb Hammer?

  Really?

• 1:29:48Speaker 03

  Yeah, so, uh.

• 1:29:49Caleb Hammer?

  Federal? Is this federal or private?

• 1:29:51Speaker 03

  Who knows? Um.

• 1:29:53Speaker 04

  It was before we were dating.

• 1:29:56Caleb Hammer?

  Oh, it's the next page? Oh. You was a public education! They are gonna garnish your wages as they're not already and they're gonna garnish extreme. I think up to twenty-five percent of your income and you can't afford twenty-five percent. They are gonna garnish up to twenty-five percent of your f***ing income. They will take it. It'll go to default, they will take it. It, it needs attention. It's about to be in your f***ing territory.

• 1:30:18Caleb Hammer?

  It's the government. They don't f*** around. They can get in your bank account.

• 1:30:21Speaker 04

  Which I didn't even know. He didn't even tell me he had student loans that tell this.

• 1:30:23Caleb Hammer?

  He didn't know until this, he said.

• 1:30:25Speaker 04

  Didn't even know.

• 1:30:25Speaker 03

  So, my mom set me up for several loans at, when I was, uh. She sent me up for several loans as I was getting geared up for college. I thought I wouldn't have to pay it. Uh, I was.

• 1:30:36Caleb Hammer?

  What degree do you have? Fourteen dollars an hour? Or fifteen? What degree?

• 1:30:41Speaker 04

  Communications.

• 1:30:43Speaker 03

  Mass communication, broadcast journalism.

• 1:30:45Caleb Hammer?

  No, you got one of the women degrees!

• 1:30:47Speaker 04

  Yep.

• 1:30:47Speaker 03

  I ain't gonna lie, bro.

• 1:30:48Caleb Hammer?

  It was a bunch of doozies!

• 1:30:49Speaker 03

  Listen, dog, I got the same degree. What am I doing now? You're doing better than me.

• 1:30:53Caleb Hammer?

  He's communicating.

• 1:30:54Speaker 06

  I do sports, I got one, I got one in sports broadcast.

• 1:30:57Speaker 03

  That's the thing I want to do.

• 1:30:59Speaker 06

  You're not making money in sports broadcast, bro.

• 1:31:01Caleb Hammer?

  Not?

• 1:31:01Speaker 06

  No, bro, because all you gonna do is free, free internships and that's it. Unless you know somebody, you're making minimum wage.

• 1:31:07Caleb Hammer?

  And the audience has to understand what's being said.

• 1:31:09Speaker 04

  So fun fact.

• 1:31:10Speaker 06

  So if you work in broadcast, you're not making your money.

• 1:31:12Speaker 04

  I know somebody in the industry, this is fun to bring up. I know somebody, friend, who's on TV, I'm not gonna say who it is, but he's in the industry, we're friends.

• 1:31:21Caleb Hammer?

  I got greeted by him.

• 1:31:22Speaker 04

  I, I, he's married, he has a beautiful wife, but anyways, I talked to him and I was like, hey, my boyfriend really wants to get into this industry, it was one of the times he lost his job and he was like, yeah, I will totally help him out, have him message me, hit me up and like, I'll see what I can do. Never messaged him, never took the time, nothing. And I was like, I literally know somebody in this industry, he was huge, never messaged him, never took the time, nothing, ever. That was like two years ago, I was like, don't message him now because he is gonna see no point, because you have that opportunity and you threw that shit away.

• 1:31:55Caleb Hammer?

  What do you care about?

• 1:31:56Speaker 06

  Bro, that's the only way you're gonna get into something like that.

• 1:31:58Speaker 04

  I was like, dude, I know somebody, I didn't know that's what you were into, I literally know somebody, I can help make this go.

• 1:32:03Caleb Hammer?

  Did you get your degree?

• 1:32:04Speaker 03

  I did get my degree.

• 1:32:05Caleb Hammer?

  That's good.

• 1:32:05Speaker 06

  Congratulations.

• 1:32:06Speaker 03

  Yeah, thank you, thank you very much, I deserve it. Um, so what happened, right? I was focused on getting the right now job, right? And she gave me that, I'm still in the no job scenario, right? So I'm focusing on like semi appliance, like this is, this is at the point in time where she, where she brings this man forward.

• 1:32:26Caleb Hammer?

  What does he do with his degree?

• 1:32:27Speaker 04

  Nothing.

• 1:32:28Speaker 03

  It's Johnny.

• 1:32:29Speaker 06

  It's literally all you can do is internships and if you know somebody, you can get in. It's, that's pretty much all it is.

• 1:32:35Caleb Hammer?

  You just have to use having a bachelor's degree to get into something, you gotta do better than now, man. Do, you gotta do a certification change with course degrees, because this is just brutal.

• 1:32:45Speaker 06

  It's a brutal life.

• 1:32:45Caleb Hammer?

  It's, it's one of those women's degrees, like communications, psychology, arts.

• 1:32:50Speaker 03

  Mass communication with broadcast journalism. It's not just communication, mass communication, broadcast journalism with.

• 1:32:57Caleb Hammer?

  Well, then you should have a job if it's mass communications.

• 1:32:59Speaker 04

  Especially when you had an opening to somebody who was. willing to bring you on to a national television show.

• 1:33:05Speaker 06

  The one thing that also makes that degree really bad is that it's so broad that jobs don't like you because they don't know what you're specifically good at. They just know that you're good at a lot of different things.

• 1:33:12Caleb Hammer?

  Yeah.

• 1:33:13Speaker 06

  So it just knows that you're not, you're not going to find something specific unless you know somebody. And if you had an opportunity to know somebody and you didn't take that opportunity.

• 1:33:20Caleb Hammer?

  Your story.

• 1:33:21Speaker 04

  And the worst thing, like it's like, what are you going to do? Like if you had somebody come on air and he was like, hey Caleb, I have all this experience and stuff and like my, or my friend does. And they don't message you for two years. Like you're not going to want to hire them on your show. You can be like, they weren't serious about it. So now I'm telling them that there's no point messaging him now.

• 1:33:36Caleb Hammer?

  Hey, that's his degree too.

• 1:33:38Speaker 04

  I was like, there's no point in messaging after that many years. Like whenever I hyped you up and then you didn't message them for two years. And I was like, hey, he'll message you like tomorrow. You missed that beautiful window.

• 1:33:48Caleb Hammer?

  You need to contact the Department of Education, the servicer that's doing, I think it was like Nell and that, or it's one of them. Um, either way, you need to get on a repayment assistance program immediately with what your low income could be is literally 1% of your income. But if you don't, I think you are literally potentially days or weeks at best away from them garnishing 25% of every single paycheck. Which makes no sense because you could contact them right now and get on for as low as 1%. But you need to talk to them immediately and you may have already missed it and this might already be happening. You don't even know it.

• 1:34:23Speaker 06

  Hmm.

• 1:34:23Caleb Hammer?

  Yes, it's bad. You don't understand how dangerous this is and that garnishment is going to take forever. Seventy three thousand dollars.

• 1:34:31Speaker 06

  Here's the thing, I don't even know why it's that much. Cause like, I don't even think.

• 1:34:33Caleb Hammer?

  Cause the interest just went up. Well, you're not paying anything.

• 1:34:36Speaker 06

  I wasn't paying attention.

• 1:34:37Caleb Hammer?

  Payment assistance 1%, you'll at least make it not go to default, but it's going to balloon. Then it'll take 40 years until it's off. But even still, regardless, who has Bank of America? You have 21 cents.

• 1:34:52Caleb Hammer?

  21 cents.

• 1:34:55Speaker 06

  Look.

• 1:34:55Caleb Hammer?

  This is cash up, cash up, cash up. We'll probably get to that at some point, but it's just.

• 1:34:58Speaker 04

  If it's getting cash up, it's me continuously sending him money.

• 1:35:02Speaker 03

  For me to

• 1:35:03Caleb Hammer?

  Oh, and all for this, so you make no money and you have to borrow money and she's giving you money. What is it for?

• 1:35:09Speaker 04

  As a stay at home parent.

• 1:35:11Caleb Hammer?

  It's for a subscription, for door dashing, for going in and getting some bullshit, for another subscription, for Whataburger, for going in and getting some bullshit, for a subscription, for some restaurant from another restaurant, from Cash App, out that time, from Patreon, some bullshit mobile purchase, mobile purchase, mobile purchase, in-app games, I don't know, what is it? No, that's probably the goon who do the

• 1:35:31Speaker 04

  More than likely.

• 1:35:31Caleb Hammer?

  Going in and getting some bullshit. Patreon again, what are you doing? What are you doing when you go in and get something for $3.25? What are you buying?

• 1:35:38Speaker 04

  Energy drinks, probably.

• 1:35:39Caleb Hammer?

  Stop that with that shit, dude. You gotta, stop it!

• 1:35:44Speaker 03

  Look.

• 1:35:44Caleb Hammer?

  Here, you're a gooner, so you want some goon shit, right? Here, look at the goon. Here, this one's perfect for you, Steve Harvey. Listen.

• 1:35:51Speaker 04

  Is it really?

• 1:35:53Caleb Hammer?

  What the? Gamer subs, you are making that at home just like you would make coffee at home instead of getting Starbucks. No more stopping in for $3.25. You make that with my discount code for 40 cents of serving.

• 1:36:05Speaker 04

  Ones, though.

• 1:36:06Caleb Hammer?

  Forty cents of serving.

• 1:36:07Speaker 04

  I don't do energy drinks.

• 1:36:08Caleb Hammer?

  You can do the hydration versions as well. This one's for him, so it doesn't stop at the gas station anymore.

• 1:36:11Speaker 03

  Does this say lean?

• 1:36:17Speaker 03

  Yes, sir. Yes, sir. What are we doing right now? Yes, sir.

• 1:36:20Caleb Hammer?

  Racism and flavor.

• 1:36:22Speaker 03

  It's racial. It's racial, not racist. Not racist.

• 1:36:24Caleb Hammer?

  And delicious and cheap with 40 cents of serving. Listen, get your free samples right now, figure out what flavor you like using my code Caleb. At the link in the description below, get your free samples, figure out what flavor you like, then get your gamer subs. It is 40 cents of serving. Seriously, though, it will save you a lot of money. You gotta, that's 40 cents of serving instead of $3.25 every single time. Come on, dude, stop being a dumbass.

• 1:36:43Speaker 03

  Okay.

• 1:36:43Caleb Hammer?

  Cause then there's an energy drink, there's an energy drink.

• 1:36:46Speaker 04

  And vase.

• 1:36:46Caleb Hammer?

  Deep flow, what's deep flow?

• 1:36:48Speaker 04

  He also buys.

• 1:36:48Speaker 03

  I have no clue. And here's

• 1:36:51Caleb Hammer?

  It's in your subscriptions on your phone, go into your subscriptions.

• 1:36:54Speaker 03

  I stand, I stand by.

• 1:36:55Speaker 04

  He has an app.

• 1:36:55Speaker 03

  Because

• 1:36:56Speaker 04

  Or he has, um, Androids.

• 1:36:58Caleb Hammer?

  Okay, pull, open your phone.

• 1:36:59Speaker 03

  Yeah.

• 1:37:00Caleb Hammer?

  Open your phone.

• 1:37:00Speaker 03

  Come on, come on. Let me, let me, let me rock, let me rock. Cause here's the thing, right? I looked it up. I had no clue what it was after I looked it up. I don't know what it was when I looked it up during and how the do I get into? I need to get

• 1:37:13Speaker 04

  Just give him the phone.

• 1:37:14Speaker 03

  Your fucking

• 1:37:18Speaker 04

  Let me show you cover the screen, though. It's my baby on the screen.

• 1:37:20Speaker 03

  Oh, right, yeah, that's true.

• 1:37:21Speaker 04

  No, he'll cover it, they'll do it.

• 1:37:23Caleb Hammer?

  No, no, no. That will be in there.

• 1:37:24Speaker 04

  Yeah.

• 1:37:24Speaker 03

  Yeah, yeah, I won't be on that.

• 1:37:26Caleb Hammer?

  What are you doing?

• 1:37:27Speaker 04

  I told you, just give him the phone.

• 1:37:28Speaker 03

  Getting my wallet or what? Okay, here.

• 1:37:30Speaker 04

  Just give him the phone.

• 1:37:31Speaker 03

  Go, have it, have at it.

• 1:37:33Speaker 04

  Use hand sanitizer when you're done, he consumes a lot. I told you, I warned you.

• 1:37:37Speaker 03

  Hey, hey, look, hey, look, we can play.

• 1:37:40Caleb Hammer?

  I'm just gonna look it up. Another subscription, going to get some bullshit, Microsoft Xbox subscription, Hobby Lobby, some.

• 1:37:49Speaker 03

  Hobby Lobby.

• 1:37:50Caleb Hammer?

  And another, this is another in-app purchase, another goon purchase, and then smoke and chill. Listen, you spend hundreds, if not, maybe even upwards to a thousand hours a month on bullshit. When you only make twenty-four hundred, you're likely getting garnished. Your grandparents, grandmother, and mom have to give you money, and she has to send you money. This is pathetic little child behavior. I was gonna say boy behavior, but I don't want to be racist. That is child behavior.

• 1:38:13Speaker 04

  He spends a fortune on like.

• 1:38:15Caleb Hammer?

  No, you need to grow the.

• 1:38:17Speaker 04

  And babes, like, that's the crazy.

• 1:38:19Caleb Hammer?

  Shut up, bitch, I'm talking.

• 1:38:21Speaker 04

  A lot to spend.

• 1:38:21Caleb Hammer?

  Woman, why are you talking?

• 1:38:23Speaker 04

  Shit, that's a lie.

• 1:38:24Caleb Hammer?

  I don't give a shit what you're saying, I'm saying things to him. You need to become a fucking man, what is wrong with you?

• 1:38:29Speaker 04

  I didn't say anything.

• 1:38:30Caleb Hammer?

  You need to become a fucking man, you have a child. It has to end a man up. It has to end a man up, you're being a kid. You're being a kid, seriously, you're acting like a child.

• 1:38:40Speaker 03

  Look, okay. I did not under- understand the financial burden of a child when I, like, when we first had him, right?

• 1:38:50Caleb Hammer?

  It's a kid, how do you not know? It's a breathing and sleep app that you probably.

• 1:38:53Speaker 03

  It was.

• 1:38:54Caleb Hammer?

  But you're being charged for it. That's what Deep Flow is.

• 1:38:57Speaker 03

  Breathing and sleep?

• 1:38:58Speaker 04

  There's a breathing and sleep app?

• 1:38:59Caleb Hammer?

  I don't know, but you're.

• 1:39:00Speaker 03

  It's the app where you sleep and breathe, what do you want from me? I don't know, I don't remember getting it the first place.

• 1:39:05Caleb Hammer?

  He probably, he has literally like ten different reoccurring subscriptions in here. He probably just signs up for them without even knowing.

• 1:39:12Speaker 03

  At this point, probably.

• 1:39:12Caleb Hammer?

  You're overdrafting.

• 1:39:14Speaker 03

  Yeah, I did that.

• 1:39:14Caleb Hammer?

  Every month.

• 1:39:16Speaker 03

  Yeah, I did that.

• 1:39:16Caleb Hammer?

  This is a pathetic excuse of a father, right there.

• 1:39:19Speaker 03

  Sheesh.

• 1:39:20Caleb Hammer?

  Financially.

• 1:39:20Speaker 03

  Christmas.

• 1:39:21Caleb Hammer?

  It is. That is true. Who's one pay?

• 1:39:23Speaker 04

  Me.

• 1:39:24Caleb Hammer?

  Well, you're negative thirty-five dollars. So you're worse. This is Cash App to him. Cash App, Cash App. You're going to Dairy Queen. You're going inside.

• 1:39:32Speaker 04

  Okay, but mine is a joint account.

• 1:39:34Caleb Hammer?

  I don't give a shit. You're stopping and getting into bullshit. You're stopping and getting into bullshit. Taco Bell, DoorDash, Pan Express. Bullshit. Cash App out. Texas Thrift, McDonald's, Thrift's giant belt. Lisa's Chicken. Going into bullshit, bullshit, bullshit. Cash App, Cash App, Cash App, Cash App. Bullshit. Bullshit. Cash App, bullshit, bullshit.

• 1:39:53Speaker 03

  Meanwhile.

• 1:39:54Caleb Hammer?

  Boost Mobile.

• 1:39:56Speaker 04

  It's only ten dollars a month, yo. You can't get mad. I pay ten dollars a month for my phone.

• 1:40:00Caleb Hammer?

  It's just stereotypical.

• 1:40:03Speaker 04

  Okay, but it's ten dollars a month. Even helium isn't that cheap.

• 1:40:06Caleb Hammer?

  It can be. There's a free plan.

• 1:40:07Speaker 04

  Okay, well, that's only ten dollars a month.

• 1:40:09Caleb Hammer?

  Okay.

• 1:40:09Speaker 04

  And it's unlimited everything on my phone, so.

• 1:40:11Caleb Hammer?

  Zero is better. Zero, uh, but that's not unlimited. Fifty.

• 1:40:14Speaker 03

  And to be, to be clear, right? Those Cash Apps that were coming in were probably from her.

• 1:40:20Caleb Hammer?

  Yet you still overdrafted.

• 1:40:22Speaker 03

  Fair. But, but to me, to pay for some shit for her.

• 1:40:26Speaker 04

  No, it's not.

• 1:40:27Speaker 03

  That, that is ninety percent of what this is.

• 1:40:29Speaker 04

  Cause my bank account is a joint account. His bank account is his.

• 1:40:31Caleb Hammer?

  McDonald's, Cash App, bullshit, bullshit, bullshit, bullshit. McDonald's bullshit. Dude, you're getting like three dollars target, three dollars target, six dollars target. This is bullshit. Bullshit, Cash App, bullshit, bullshit.

• 1:40:43Speaker 04

  We also get groceries. We get.

• 1:40:45Speaker 00

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

• 1:41:14Speaker 04

  Food stamps, though. So I use food stamps for a part, and then like if I buy something.

• 1:41:18Caleb Hammer?

  But you're doing it like five in a row, right there in one day. Like, it's all bullshit. There's bullshit and food stamp and groceries and bullshit.

• 1:41:24Speaker 04

  They may just all pin in one day.

• 1:41:26Caleb Hammer?

  Hey, good thing we give you food stamps because then you're doing twenty dollars on Uber Eats. Why? Should we support you?

• 1:41:30Speaker 04

  Cause I order my groceries through there though.

• 1:41:33Caleb Hammer?

  Panda Express was not groceries. Why are we supporting you? Why did I just write a $2 million check to taxes the other day? Why are we supporting you when you are going and spending your money on Panda Express?

• 1:41:44Speaker 04

  Okay, but it's me who's like basically like a single parent because half the time he does not help with the baby. It is true.

• 1:41:52Speaker 04

  It is just me.

• 1:41:53Caleb Hammer?

  Fine, fine, fine, fine, fine. Let me ask you a better question. Why are we supporting you and I'm writing millions in taxes? When you spent upwards of $500 going out to eat last month? And yet we have to support you?

• 1:42:05Speaker 04

  Sometimes it's hard to meal prep and take care of an infant.

• 1:42:09Caleb Hammer?

  You're at home all day. You're a stay at home mother. You can meal prep.

• 1:42:12Speaker 04

  I do sometimes.

• 1:42:14Caleb Hammer?

  Not enough.

• 1:42:14Speaker 04

  But I had to meal prep like three different meals.

• 1:42:17Caleb Hammer?

  You when you're going out to eat $500 a month. It's disgusting. Fuck yourself. Dash pass bullshit bullshit. Cash app out. DoorDash again. Uh bullshit. Go brands. Uh Burger King DoorDash. Good thing we're giving you assistance. Stopping in the gas station, getting some bullshit.

• 1:42:34Speaker 04

  That's him.

• 1:42:34Caleb Hammer?

  Amazon. Bullshit bullshit. LJ's. LJ's uh wait, LJ's?

• 1:42:40Speaker 04

  What's this?

• 1:42:41Caleb Hammer?

  Uh two of them. I don't know. Instacart bullshit.

• 1:42:43Speaker 04

  How much was it for?

• 1:42:44Caleb Hammer?

  Bullshit bullshit. I don't even care. Go puff. That's groceries as well. Bullshit. Instacart, Instacart, Instacart. Bullshit. Bullshit. This is so stupid. You guys are so.

• 1:42:54Speaker 04

  Oh, I don't even know what that is to be.

• 1:42:56Caleb Hammer?

  Right. Why would we?

• 1:42:57Speaker 04

  I don't. Okay. It's just letters. How much does it know about that is?

• 1:43:00Caleb Hammer?

  Here's the cash app because maybe the place would be letters branded.

• 1:43:05Speaker 04

  What place is literally three letters?

• 1:43:07Caleb Hammer?

  Uh BJ's is a place.

• 1:43:09Speaker 04

  I don't know. I've never been there.

• 1:43:10Speaker 03

  She never been.

• 1:43:11Caleb Hammer?

  There you go. There's an example.

• 1:43:12Speaker 04

  But isn't there more to it than?

• 1:43:13Speaker 03

  TJ Maxx.

• 1:43:15Caleb Hammer?

  There you go.

• 1:43:15Speaker 03

  Technically.

• 1:43:16Caleb Hammer?

  Listen, you're Instacarting and Go puffing all the time. Listen, I understand doing it like once every other.

• 1:43:20Speaker 04

  We don't have a car.

• 1:43:22Speaker 03

  We don't have a car.

• 1:43:22Caleb Hammer?

  No, which is why I was gonna say I understand doing it like once a week, once every other week to mass grocery shop. But you're doing it almost every single day.

• 1:43:30Speaker 04

  Times. Okay. I know this is gonna sound like a cop out, but it's like for real. A lot of times.

• 1:43:33Caleb Hammer?

  It's a cope.

• 1:43:34Speaker 04

  It is. A lot of times we'll run out of shit for the baby and like, I don't know.

• 1:43:38Speaker 03

  It's the baby. It can't be cope if it's baby. Baby.

• 1:43:41Speaker 04

  Literally like I'll run out of baby food and I don't know that we're out of baby food.

• 1:43:45Caleb Hammer?

  Because she's a stay at home mother. She should be managing this shit.

• 1:43:48Speaker 04

  Yeah, but he also does it too. You know, sometimes he'll feed the baby. Like I'm like, I don't know if he's out of it or not.

• 1:43:53Caleb Hammer?

  Oh, good. And you have an amazing retirement of zero dollar.

• 1:43:57Speaker 04

  Not anymore.

• 1:43:58Caleb Hammer?

  Wait, zero dollars. This started at seven thousand. Wait, so that's your savings? It's just pulling from retirement? You didn't have savings?

• 1:44:04Speaker 04

  No, no, no, no, no. I said I had savings before we first got together. I had like eight grand in savings and all of that went to his car.

• 1:44:12Speaker 03

  To be fair on that.

• 1:44:13Caleb Hammer?

  Yeah, what about your 401k that went from?

• 1:44:15Speaker 04

  I had to take that out because he wasn't working.

• 1:44:17Speaker 03

  And then we moved.

• 1:44:18Speaker 04

  And I had an infant and I had to take care of the baby and pay all the bills and do everything by myself.

• 1:44:23Caleb Hammer?

  This is pathetic. Also, LJS is likely long-term silvers.

• 1:44:26Speaker 03

  Oh shit, yeah, it is.

• 1:44:28Speaker 04

  Oh, that makes sense.

• 1:44:30Caleb Hammer?

  Which, by the way, we did a fat and fatter test the other day.

• 1:44:34Speaker 04

  I honestly.

• 1:44:34Caleb Hammer?

  It's actually pretty good.

• 1:44:35Speaker 04

  I hated it.

• 1:44:37Caleb Hammer?

  It's pretty good.

• 1:44:38Speaker 04

  I hated it until I got pregnant and then like, I don't know, after that, the baby craved long.

• 1:44:42Caleb Hammer?

  Alright, yeah.

• 1:44:43Speaker 04

  And he did. I hated seafood altogether until I got pregnant and the baby likes fish, so now.

• 1:44:51Speaker 03

  I lucked out. Every woman I've ever dated in my life has been allergic to fish in some way, fashion, or form.

• 1:44:55Speaker 04

  He dated one person.

• 1:44:56Speaker 03

  I got the one that had the seed, that had the seed to the.

• 1:44:58Speaker 04

  I'm not kidding. I'm his second girlfriend.

• 1:45:01Speaker 03

  It's gotta be the way.

• 1:45:02Speaker 06

  Just wait till the catfish, bro.

• 1:45:03Speaker 04

  He dated one other person besides me. And they were not a repeat.

• 1:45:06Caleb Hammer?

  Shut up! How, what dollar amount do you get in food stamps a month?

• 1:45:09Speaker 04

  Uh, four hundred.

• 1:45:11Caleb Hammer?

  You guys are so annoying. You're so loud.

• 1:45:13Speaker 03

  Yeah. Yeah, that's just kind of my thing.

• 1:45:15Caleb Hammer?

  It's not good.

• 1:45:16Speaker 03

  It's not bad.

• 1:45:17Caleb Hammer?

  Okay, you should be able to contribute an extra four hundred dollars a month to groceries outside of that. That'll be fine with meal prep. Uh, TP fund, anything else you and the kid need to survive, we should probably be able to do two hundred and fifty bucks.

• 1:45:29Speaker 04

  Probably not. Diapers are expensive.

• 1:45:30Caleb Hammer?

  How much is a month of diapers for you?

• 1:45:32Speaker 03

  A month of diapers.

• 1:45:34Speaker 04

  Probably close to a hundred.

• 1:45:35Caleb Hammer?

  There you go. Two hundred and fifty is fine.

• 1:45:37Speaker 04

  But I also have.

• 1:45:38Caleb Hammer?

  The TP fund. You don't need all this makeup.

• 1:45:40Speaker 04

  Outside of formula, I have to also buy formula.

• 1:45:42Caleb Hammer?

  For a second, that's in your grocery. I put it in there.

• 1:45:44Speaker 04

  Didn't you just put the food stamp fund though?

• 1:45:46Caleb Hammer?

  No, I did. Four hundred is food stamps and then four hundred of you.

• 1:45:49Speaker 04

  Oh, okay, okay.

• 1:45:50Caleb Hammer?

  Goes to it.

• 1:45:50Speaker 04

  Okay, I thought you meant food stamps.

• 1:45:51Caleb Hammer?

  Mobile, boost mobile, it was like eleven bucks.

• 1:45:53Speaker 04

  Yeah?

• 1:45:53Caleb Hammer?

  Okay. Car insurance, how much?

• 1:45:56Speaker 04

  None.

• 1:45:56Speaker 03

  None, I don't have a car.

• 1:45:57Caleb Hammer?

  That's right, so no gas. What about transportation with Ubers or?

• 1:46:00Speaker 04

  A lot.

• 1:46:01Caleb Hammer?

  Or a bus?

• 1:46:01Speaker 03

  Uh, I don't Uber often. I normally take the long road and walk it. Um.

• 1:46:06Caleb Hammer?

  That's good.

• 1:46:07Speaker 03

  Now, uh.

• 1:46:08Speaker 04

  Cause I.

• 1:46:08Speaker 03

  I've been doing that for about a month.

• 1:46:09Caleb Hammer?

  How much, how much do we need to contribute a month?

• 1:46:11Speaker 03

  Eh, let's see, for emergency purposes, let's call it set fifty?

• 1:46:14Speaker 04

  Yeah, like fifty.

• 1:46:15Caleb Hammer?

  That's it? A month? Okay, that's not a lot. Okay, rent was what again?

• 1:46:18Speaker 04

  Six, seventeen?

• 1:46:19Speaker 03

  Fourteen oh one.

• 1:46:20Caleb Hammer?

  Okay, and then all utilities, including internet together?

• 1:46:24Speaker 03

  We don't pay for internet, do we? Yeah, we do.

• 1:46:26Speaker 04

  We do pay internet. I would say close to like 400 for everything.

• 1:46:30Caleb Hammer?

  You guys are.

• 1:46:31Speaker 04

  Yeah, cuz I pay internet, I pay insurance, I pay like the electric bill.

• 1:46:36Speaker 03

  Renters insurance is 20 bucks, what are you talking about?

• 1:46:38Speaker 04

  It's not, it's like 30 something, but it's included.

• 1:46:41Caleb Hammer?

  I'm gonna assume your student loans, the payment will be 150 if you get on the RAP plan.

• 1:46:46Speaker 03

  What kind of plan?

• 1:46:47Caleb Hammer?

  RAP. It's made just for you, just take it. Repayment Assistance Program.

• 1:46:52Speaker 03

  Alright, so we're playing like racial and racist. No, no, no, he's for real, it's called RAP, it's called RAP. It was formerly known as SAVE, but now it's now it's RAP. They go off of your income on how much you can.

• 1:47:03Caleb Hammer?

  Save in the blood, rap in the blood, okay, got it, got it, got it. And we looked at you, knew you couldn't save, so we turned it into RAP. 412 dollars is your debt minimums payments, most likely.

• 1:47:14Caleb Hammer?

  Medical, healthcare, their co-pays and stuff, I mean, I'm sure you're on all the benefits and whatnot.

• 1:47:17Speaker 03

  Yeah, I pay

• 1:47:21Speaker 03

  20 something, nah, like it comes out, it comes directly on my check.

• 1:47:24Caleb Hammer?

  Yes, but I'm talking about co-pays, like afterwards, medication, stuff like this.

• 1:47:28Speaker 03

  We don't.

• 1:47:28Speaker 04

  Uh, right now, me and the baby are the only ones, so no.

• 1:47:31Caleb Hammer?

  No, nothing.

• 1:47:31Speaker 04

  Cuz we're, I'm still on pregnancy.

• 1:47:33Caleb Hammer?

  I'll try to do 40 dollars on subscriptions. Shut up! 40 dollars on subscriptions, you really have to pick and choose what they go towards now. You have any pets?

• 1:47:41Speaker 04

  Yes, but they're too old for insurance.

• 1:47:43Caleb Hammer?

  How much for pet food?

• 1:47:44Speaker 04

  Uh, like 40 dollars a month.

• 1:47:46Speaker 03

  Yeah.

• 1:47:47Caleb Hammer?

  Anything else that needs to be in this budget that I've not put in, guys? This is gonna be really difficult.

• 1:47:53Speaker 04

  I don't think so.

• 1:47:55Speaker 03

  Uh, now you got all the.

• 1:47:59Speaker 03

  Nope, yeah, I don't think so.

• 1:48:00Speaker 04

  I don't think so, yeah, just the boys with their food, but.

• 1:48:02Speaker 03

  Yeah, their food is like 25 dollars, a swing, and that's like a month-ish, so.

• 1:48:07Caleb Hammer?

  Yeah, and even with this, they're still obviously underwater by 600 bucks. You need 3,500 just to survive basic minimums. Here's the reality. You are applying, you are curating your resume. Do a resume builder, help with AI, they will review. They, making a good resume is easier now than ever. And you're applying to every single job that exists in this world, using your four-year degree to get any job that gets upwards of like 25 bucks an hour at a minimum now. You are doing that, you need to make more money. That is your second full-time job is finding a better job. And then you're going to be working two jobs. So until then, you need to be working 80 hours a week. It's as simple as that. You need to go pick up whatever job you can. I don't really give a shit. You need to be a provider.

• 1:48:48Caleb Hammer?

  And here's the reality, in your area, in a larger metro like that, you will likely have child services that you can take advantage of at your income situation.

• 1:48:55Speaker 04

  I can, but I won't.

• 1:48:56Caleb Hammer?

  Huh?

• 1:48:57Speaker 04

  I won't put him in childcare.

• 1:48:58Caleb Hammer?

  Okay, then go [__] yourself.

• 1:48:59Speaker 04

  No, you don't get it. Like, I worked in childcare for so long, they're so bad.

• 1:49:03Caleb Hammer?

  You are going to lose the roof.

• 1:49:05Speaker 04

  I can work from home and be fine. I am willing to do that, I've tried.

• 1:49:08Caleb Hammer?

  Pause, you need to listen for a second. Mute her mic so she can't talk, thank you. So now you know you can't contribute to this conversation. Not that you were in the first place. The reality is, no one can hear you, so you're just talking to yourself. The reality is, you are going to lose the roof over your head of this kid. Now you say you can work from home? Here's the fact, work from home jobs are the very small minority now. And also, you don't really have the skills and qualifications that's going to put you ahead of the front lines anyway. Like, you just, like, you don't. The fact is, you need to go get a job. He needs to be a bigger provider, don't get me wrong. But I would, I, it's not that I do not want your kid in childcare, I'm not saying that. I would rather you take care of your kid. But I would also rather your kid have a roof over his head and food on the table than

• 1:49:53Caleb Hammer?

  have his mom staying at home. Okay? I choose that. So unfortunately, for a temporary basis, he needs to go get a second job now. McDonald's, I don't give a shit. It's anything. Because you have to make the minimums. Right now, we're not making the minimums. Who knows how long mom's going to support? But eviction will be coming, you'll be [__]. And that's it. That's it! Those are your options. Bankruptcy's not going to clear this shit. Your minimum payments aren't even bad. Your bad ones, the student loans, that's not even going to do shit. Because bankruptcy doesn't get rid of it.

• 1:50:24Caleb Hammer?

  Okay, we have a crazy thing to talk about in the post show that we couldn't talk about in the main show, guys. Like, actually insane that blows up this entire relationship that happened from her end, that she didn't want to talk about on the main show. So get ready. So join Hammer Lee, but let's get your Hammer Financial Score. Spending in a budget, overspent, obviously, zero out of 10. Debt, collections, zero out of 10. Emergency fund, nothing, zero out of 10. Retirement, drained at zero out of 10. Actually, emergency fund is 2,000. So I will give that for the household, a one out of 10 today with the kid and everything. Real estate, zero out of 10. Rounded up Hammer Financial Score, point five out of 10. Get yours at CalebHammer.com. Now click the join button. Join Hammer Lee, best membership on YouTube, where you get three premium shows, six days a week. It is incredible. This is about to be an amazing post show. You have no idea. Watch the teaser now. See you there.

• 1:51:08Speaker 03

  Why is he talking like he cheating on me? What the is going on here?

• 1:51:11Caleb Hammer?

  It's not a revenge thing because of his AI.

• 1:51:14Speaker 04

  Like, sometimes my ex and I also give money to, just like hangs out with us.

• 1:51:19Speaker 03

  Work, hour and a half. You have a baby, nigga. What the?

• 1:51:22Caleb Hammer?

  Weird, dude.

• 1:51:24Speaker 04

  We just say, you know, we don't have a bar, can't go anywhere. It just comes over.

• 1:51:28Caleb Hammer?

  The ex. Don't forget, the summer budget reset is now live. Get a full year of Dollar Wise Premium, plus my four bestselling educational courses, and a digital copy of my budget-friendly cookbook, and my exclusive 30-day meal plan signed by me and mailed directly to you. This is a better deal than we've ever done before, and it's only for a limited time. It is 67% off everything. So don't wait until that first pool party to get financially ripped. Click the link below. Save big. Claim your bonuses now.

• 1:51:58Speaker 00

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