Cheating Gold Digger Is Destroying His Life | Financial Audit

I bring the sister on the post show... and it all blows up, full drama, chaos, it's wild... Watch here: ➡️ https://bit.ly/chpostshow 💲 See what's new inside Dollarwise today → https://bit.ly/4ab6UM8 ============================= 🔥 Un-F*ck your finances in 2-minutes → https://bit.ly/3JCuwPS ============================= 👉 Checking & Savings: Get up to a $350 bonus with a new Chime® Checking account, and earn up to 3.50% APY on your savings: https://secure.moneymatchup.com/350-bonus 🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb ============================= *Sponsors for This Video* ============================= Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78 Get the free business guide, Demystifying AI, at https://netsuite.com/HAMMER. ============================= Master Your Money with Caleb Hammer ============================= ⚡️Budget YOUR dream life with my simple courses: ➡️ https://bit.ly/calebhammer ⚡️Check out all of my custom Financial Audit merch: ➡️ https://bit.ly/caleb-merch ============================= *Check Out My Resources* ============================= 👉 Get a $40,000 cash bonus by investing with Webull! https://www.webull.com/k/Caleb 👉 Checking & Savings: Get up to a $350 bonus with a new Chime® Checking account, and earn up to 3.50% APY on your savings: https://secure.moneymatchup.com/350-bonus 👉 Land a high-paying job with no experience or degree: ➡️ https://coursecareers.com/CalebHammer 👉 Get $20 from Acorns for free: ➡️ https://acorns.com/caleb 👉 First 100,000 Mine (formerly Fizz) sign-ups with code HAMMER10 get $10: https://www.usemine.com/caleb 👉 Helium Mobile: Use promo code CALEB for a FREE plan ➡️ https://hellohelium.com/ 👉 Protect your online privacy and security for free with Aura: ➡️ https://aura.com/hammer 👉 Get an exclusive HighLevel 30-day trial: https://gohighlevel.com/calebhammer *Want to be a guest on Financial Audit?* ============================= 👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply *Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. Sponsorship and business inquiries: [email protected] Learn more about your ad choices. Visit megaphone.fm/adchoices

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

• 0:01Speaker 00

  Low energy, unfocused, foggy? You might be dehydrated. Whether it's hot yoga, over 100 degree weather, or too much sun. Gator Light, with a specialized blend of five electrolytes, was scientifically designed to help move fluids into the body faster for rapid rehydration. Shop now at retailers nationwide. Gator Light: Hydrates Faster Than Water. Is it in you? Symptoms noted are signs of mild to moderate dehydration. Consult a healthcare professional if symptoms persist.

• 0:30Speaker 01

  When you shop Kroger Delivery, you can expect the savings you love and fresh groceries delivered right to your door. From delicious produce to everyday essentials, enjoy the convenience of delivery and the trusted selection you've come to know from Kroger. Because bringing you fresh, quality groceries is what we do best. Right now, enjoy free delivery on orders of $50 or more with your digital coupon. Restrictions apply. See site for details. Kroger: Fresh for everyone.

• 0:59Caleb Hammer?

  To watch episodes of Financial Audit a week earlier, check us out on YouTube.

• 1:03Speaker 03

  I basically told him, "Get a job, get your money up, or I'm leaving."

• 1:06Speaker 04

  A big reason why, like, I've never really put my foot down. She went behind my back and like, had a sugar daddy.

• 1:12Caleb Hammer?

  What? What, you guys were dating?

• 1:15Speaker 04

  She would go to his house.

• 1:16Speaker 03

  I went to his house one time.

• 1:17Caleb Hammer?

  In the morning, and like, you actually think she went over to this guy's house and not a single thing ever happened once?

• 1:22Speaker 03

  Nothing happened, I promise you.

• 1:24Caleb Hammer?

  Does anyone in the world believe that for a single second?

• 1:26Speaker 04

  And then like, I saw texts of her talking shit about me to him.

• 1:30Caleb Hammer?

  Was any image sent anywhere?

• 1:31Speaker 04

  His side of the texts were deleted, not her side.

• 1:34Caleb Hammer?

  Why were his side of the texts deleted?

• 1:36Speaker 04

  I don't know.

• 1:36Speaker 03

  What? When?

• 1:38Speaker 04

  She's psychotic.

• 1:41Speaker 05

  Something big is coming. Something that's going to change personal finance forever. And the first 500 members get to lead the charge. Go to dollarwise.com to change the future.

• 1:56Speaker 04

  Hi, I'm Chad. I'm 27 years old.

• 1:58Speaker 03

  And I'm Stacy. I'm 25 years old. And we're from Paso, Texas.

• 2:02Speaker 04

  And this is Financial Audit.

• 2:04Caleb Hammer?

  Thanks for coming over. Did you guys fly? Cause that's a long ass drive. What is that like eight hours?

• 2:07Speaker 03

  Yeah, eight hours.

• 2:09Caleb Hammer?

  Me. Well, thanks for coming over from El Paso. The second guest from El Paso, as you told me before. So happy to have you guys. Chad, you're the one in front of me?

• 2:18Speaker 04

  Yes.

• 2:18Caleb Hammer?

  What do you do for a living at 27?

• 2:19Speaker 04

  I work in the oil field.

• 2:21Caleb Hammer?

  Oil field is money.

• 2:22Speaker 04

  Yeah.

• 2:23Caleb Hammer?

  You guys seen Landman?

• 2:24Speaker 03

  Yeah, we watch it. It's our show.

• 2:26Caleb Hammer?

  Halfway decent, second season.

• 2:28Speaker 04

  It's okay.

• 2:28Caleb Hammer?

  Not as good. It became like a relationship drama. I don't know why. It was kinda, they had something there, but. Either way, everyone's kinda watching Landman. So I know you must be making money. What do you do in the oil field?

• 2:41Speaker 04

  I work in frac and I basically operate all the equipment.

• 2:44Caleb Hammer?

  Ooh, it's a little dangerous, right?

• 2:46Speaker 04

  It is. Cause I work with like 10,000 PSI of pressure.

• 2:50Caleb Hammer?

  Yeah.

• 2:50Speaker 04

  Stuff like that. So one single move, I can kill somebody.

• 2:53Caleb Hammer?

  What's scarier, the show or that?

• 2:55Speaker 04

  That, honestly.

• 2:56Caleb Hammer?

  Good.

• 2:57Speaker 04

  Yeah.

• 2:57Caleb Hammer?

  Good.

• 2:57Speaker 04

  Yeah.

• 2:58Caleb Hammer?

  I'm glad to hear that. So what are you making that? Cause you must get that hazard pay.

• 3:03Speaker 04

  I make a hundred and thou- a hundred and ten?

• 3:06Caleb Hammer?

  Yeah, you do. A hundred and ten.

• 3:07Speaker 04

  Yeah.

• 3:08Caleb Hammer?

  Okay. That's not bad.

• 3:09Speaker 04

  It's not bad, but it doesn't feel like.

• 3:10Caleb Hammer?

  El Paso is kinda cheap.

• 3:13Caleb Hammer?

  Cheaper than, yeah, than the rest of Texas. Come on.

• 3:16Speaker 04

  Yeah.

• 3:17Caleb Hammer?

  Yeah. And like the start of the Southwest, Southwest starts on this I-35. You know, it's where it separates the South and Southwest. Here out there, it's a little cheaper until you get to Phoenix.

• 3:25Speaker 03

  Yeah.

• 3:26Speaker 04

  Yeah.

• 3:26Caleb Hammer?

  Okay. So what did you say? A hundred and five?

• 3:28Speaker 04

  A hundred and ten.

• 3:29Caleb Hammer?

  Hundred and ten. What hits your checking account? Like per paycheck and what's that paycheck cycle?

• 3:33Speaker 04

  We get paid like small check, medium check and a big check.

• 3:36Caleb Hammer?

  What?

• 3:37Speaker 04

  Yeah. So like a month, I'll get like a small check, which is around like 2,300.

• 3:42Caleb Hammer?

  What? Okay. But what hits us on a monthly basis? And why? I don't know why it's like that, but whatever.

• 3:47Speaker 04

  4,000 to 6,000 a month.

• 3:49Caleb Hammer?

  Why does it range? Cause that's a big range. That's a how the pay the bills on that kinda range.

• 3:54Speaker 03

  Yeah. So that's what we're struggling with.

• 3:56Caleb Hammer?

  Well, are you hourly or?

• 3:58Speaker 04

  Yeah.

• 3:58Speaker 03

  Hourly, yeah.

• 3:59Speaker 04

  Yeah.

• 3:59Caleb Hammer?

  Oh, well, that's why it would range, right?

• 4:01Speaker 04

  Yeah.

• 4:01Speaker 03

  Yeah.

• 4:01Caleb Hammer?

  Okay. So four to six, so I can say five.

• 4:04Speaker 04

  We're consistent hours. Like I'll work like two weeks on.

• 4:09Speaker 04

  And like in those two weeks, I'll do like a hundred and twelve hours one week and then ninety hours another week.

• 4:14Caleb Hammer?

  Okay.

• 4:15Speaker 04

  But it's the same.

• 4:16Caleb Hammer?

  So why the does the pay fluctuate?

• 4:19Speaker 04

  Because sometimes, so on the two weeks, I'll do like when I work nights, I'll do um, we'll get paid for those two weeks at nights. It's it's really weird, but.

• 4:30Caleb Hammer?

  So do I say five thousand?

• 4:32Speaker 04

  Yeah, we can say.

• 4:33Caleb Hammer?

  That's not even close to a hundred ten after taxes. What the are you talking about?

• 4:36Speaker 04

  Yeah, it's good. That's.

• 4:37Caleb Hammer?

  Six thousand wouldn't be a hundred ten after taxes.

• 4:39Speaker 04

  I know.

• 4:40Caleb Hammer?

  So you're not making a hundred ten after taxes.

• 4:42Speaker 03

  Overtime.

• 4:42Speaker 04

  Yeah, we make.

• 4:43Caleb Hammer?

  Overtime would be included in the pay that hits your account.

• 4:46Speaker 03

  It's just weird, cuz.

• 4:48Speaker 04

  It's weird, but like on paper, it says I make a hundred and ten, but at the same time, like.

• 4:52Caleb Hammer?

  That's not how that works. How much money do you make or not?

• 4:57Speaker 03

  You can't see. What have you made year to date?

• 4:59Speaker 04

  A hundred and ten.

• 5:01Caleb Hammer?

  Like, well, no, I mean, it's the new year, but I assume you mean last year.

• 5:05Speaker 04

  Yeah, last year.

• 5:06Caleb Hammer?

  Hundred ten is what you made before taxes.

• 5:08Speaker 04

  Yes.

• 5:09Caleb Hammer?

  Okay, so that's your before taxes. I mean, let's see, income. I had payroll seven thousand four hundred twenty-six. That's that's well beyond what you said was your hire.

• 5:22Caleb Hammer?

  Okay, who's here? The company or you?

• 5:24Speaker 03

  Him.

• 5:26Speaker 03

  Him. It's literally him. He literally tries to make, I don't know, this crazy math in his head, like the one check, two check, three checks, small, medium, large. Like, I don't get it.

• 5:35Caleb Hammer?

  He does that or the company does it?

• 5:37Speaker 03

  He does it, but then the way he tries to make the math work, it doesn't work.

• 5:41Caleb Hammer?

  Why are you doing that?

• 5:42Speaker 04

  Cuz that's how it is.

• 5:44Caleb Hammer?

  Okay, she just said it wasn't the company, it was you.

• 5:46Speaker 04

  No, but that's how we get paid, like.

• 5:50Speaker 04

  I don't know how to explain it.

• 5:51Caleb Hammer?

  I don't know. You could at least attempt to.

• 5:54Speaker 04

  So, okay, so.

• 5:57Caleb Hammer?

  Oh, fuck. Do I care? Oh, I don't know. I just want to know the number that hits your account. And it was seven thousand five hundred.

• 6:04Speaker 03

  Yes.

• 6:05Speaker 04

  Yeah.

• 6:05Caleb Hammer?

  Is that abnormal?

• 6:06Speaker 04

  Yeah, yeah, yeah.

• 6:09Speaker 03

  No, it's not abnormal. I feel like it's very normal. I literally made him get this job.

• 6:14Speaker 04

  Yeah.

• 6:14Caleb Hammer?

  What does that even mean, made him get this job?

• 6:17Speaker 03

  Well.

• 6:17Caleb Hammer?

  What does that look like? How do you make someone get a?

• 6:19Speaker 04

  Well, she told me like.

• 6:21Speaker 03

  I basically told him, you either get a job, get your money up, or I'm leaving.

• 6:26Caleb Hammer?

  You get to pull that kind of weight?

• 6:27Speaker 03

  Yeah. Do you not see me?

• 6:29Caleb Hammer?

  Okay, I mean.

• 6:35Caleb Hammer?

  Okay, so you went and got the job because you were afraid of her leaving?

• 6:40Speaker 04

  Yeah, yeah.

• 6:42Caleb Hammer?

  Do you even like this job?

• 6:43Speaker 04

  No, I fucking hate it.

• 6:44Caleb Hammer?

  Well, actually, it doesn't sound like a great job.

• 6:46Speaker 04

  Like, I hate it because it's like, I work 12 hours a day.

• 6:49Caleb Hammer?

  Wait, what was he doing before where you were like, go make money or else I'm leaving?

• 6:52Speaker 03

  He was a server during COVID.

• 6:54Caleb Hammer?

  You looked down on service workers?

• 6:56Speaker 03

  I was a server too, but I was making hundreds.

• 6:58Caleb Hammer?

  Did you see how you just said that?

• 6:59Speaker 03

  No.

• 7:00Caleb Hammer?

  Your server was a stripper based on how you just said that?

• 7:03Speaker 03

  No, no, no, no, no.

• 7:05Caleb Hammer?

  He just said basically.

• 7:06Speaker 03

  No, no, no. I worked, I worked at those restaurants where it's like, girls only, but it's not strippers. Like, we were dressed, we got clothes on.

• 7:16Caleb Hammer?

  Girl, your tits are basically fully out here. Like, I, I see how you're presenting yourself.

• 7:20Speaker 03

  They were fully out there too.

• 7:21Caleb Hammer?

  Exactly, that's what I'm saying. What, Hooters?

• 7:24Speaker 03

  No, it's called Union.

• 7:28Caleb Hammer?

  Is that how they talk in El Paso? I don't think so. You're in the middle of the desert.

• 7:31Speaker 04

  They do.

• 7:32Caleb Hammer?

  Why?

• 7:33Speaker 03

  I don't know.

• 7:34Caleb Hammer?

  Okay, so you looked down on service workers and you told?

• 7:37Speaker 03

  No, I don't.

• 7:37Caleb Hammer?

  Did you see how you replay? Wait, what was he doing before where you were like, go make money or else I'm leaving?

• 7:42Speaker 03

  He was a server during COVID.

• 7:44Caleb Hammer?

  You looked down on service workers?

• 7:46Speaker 03

  I was a server too, but I was making hundreds.

• 7:48Caleb Hammer?

  Did you see how you just said that? Okay.

• 7:50Speaker 03

  I don't look down on service workers. I was a service worker.

• 7:53Caleb Hammer?

  Yes, but you were like, you have to go get money. You're like, he was a service worker during COVID.

• 7:58Speaker 03

  Because he was making like $20 if that, a day, a day, and he had to pay rent.

• 8:04Caleb Hammer?

  That doesn't make sense where you're working at one hour because they still have to pay.

• 8:08Speaker 03

  Yeah, but then the, the check would come out like two weeks later, you know, so.

• 8:11Caleb Hammer?

  Well, yeah, that's paychecks.

• 8:13Speaker 03

  Well, yeah, so it was very short, like $200, because then they would send him home. It was dead. So it's not like he was making like the eight hours.

• 8:21Caleb Hammer?

  So you did that ultimatum?

• 8:23Speaker 03

  Yeah.

• 8:25Caleb Hammer?

  What did you think? What you heard that? If my girlfriend gave me an ultimatum like that? She wouldn't be my girlfriend.

• 8:31Speaker 04

  I was scared.

• 8:32Caleb Hammer?

  Cause that's like no respect.

• 8:33Speaker 04

  Like, I don't know.

• 8:35Caleb Hammer?

  Now, for what it's worth, I mean, I'll play a little devil's advocate now. If it's just you just not giving a shit in life. If it's you not like pulling your weight in a relationship and she pulled then ultimatum for that, then I think that's fair. Then I think that's fair.

• 8:49Speaker 03

  Yeah. So like at the beginning of the relationship, like he didn't, he never had a really good job. And I had, I was bartending and serving at one point. So like I was making money. So I would pay for the dates and stuff like that. So it did get to a point where I was like,

• 9:04Speaker 03

  you had to pull some weight.

• 9:05Caleb Hammer?

  Okay. Well, yeah, pulling some weight. I mean, that's, that's relatively fair. Well, how long have you, are you guys married?

• 9:10Speaker 04

  Yes.

• 9:10Caleb Hammer?

  How long have you guys been together? Oh, congratulations.

• 9:12Speaker 04

  Six years.

• 9:13Caleb Hammer?

  Glad to hear that. So you went and got this job when?

• 9:17Speaker 04

  2022, May.

• 9:19Caleb Hammer?

  I don't know how you do not know how much money hits your account by then. And I can see your pocket watching. That's clearly your entire career is pocket watching. And so that's how you know how much is coming in 7,500 usually on a monthly basis, right? Okay. At least we have the number from her. I don't understand why you don't know. Maybe because you're not the one that cared. You didn't really care how much money you were making before until she was like, you don't get to see these tits anymore unless you're out in the oil field.

• 9:43Speaker 04

  So like when I get paid, I like right away I send her the check.

• 9:47Speaker 03

  This just started happening recently though.

• 9:49Speaker 04

  Yeah.

• 9:50Speaker 03

  Because he has no control over money.

• 9:52Caleb Hammer?

  What does that mean? What do you do?

• 9:54Speaker 03

  So like if he were to keep the check, it would go straight to do credit cards. And then he would try to figure out how to pay the bills with the credit cards. And I don't agree with that. So I told him, you need to send me the check. We're gonna pull out.

• 10:05Caleb Hammer?

  Check that's you being mother. That's not you guys working together and changing behavior and meeting goals together. That's you being mother. It's not you serving cunt. It's you being mother.

• 10:15Speaker 03

  I just learned, I, I guess I learned that from my mom. She does that.

• 10:18Caleb Hammer?

  Yeah. Mother.

• 10:20Speaker 03

  Not to me, to my dad.

• 10:22Caleb Hammer?

  That's the relationship you want?

• 10:23Speaker 03

  Hmm, no. No, I would love to like,

• 10:28Speaker 03

  be more in tune with finances.

• 10:30Caleb Hammer?

  What, what does that mean to you? You said, give me a check and he just, he's your little simp cuck boy.

• 10:37Speaker 03

  Oh.

• 10:38Caleb Hammer?

  You work in an oil field. It's dangerous, but why do you seem like a outside of that?

• 10:44Speaker 03

  Yeah.

• 10:45Caleb Hammer?

  You're pussy whipped.

• 10:46Speaker 04

  Pussy whipped and mommy issues.

• 10:49Speaker 03

  Mommy issues?

• 10:50Speaker 04

  Yeah.

• 10:51Speaker 03

  He does have mommy issues though.

• 10:53Caleb Hammer?

  Is that what you're like, like this?

• 10:54Speaker 03

  No, I don't like it. I don't like it.

• 10:57Caleb Hammer?

  I was literally looking at him and clearly talking to him. How did you answer that?

• 11:01Speaker 04

  I don't, like, it bothers, like, her attitude bothers me a lot, but I don't know why.

• 11:08Caleb Hammer?

  See that face? First time she's ever heard it.

• 11:10Speaker 03

  No, I heard it every day.

• 11:11Speaker 04

  I tell her every day. Every day I tell her. She doesn't care.

• 11:16Speaker 03

  I'm me.

• 11:18Caleb Hammer?

  Oh, I see a picture of you on the restaurant's website. And yeah, the cleavage is there.

• 11:22Speaker 03

  The restaurant's website?

• 11:24Caleb Hammer?

  Yeah.

• 11:25Speaker 03

  I was like it girl for a while.

• 11:29Caleb Hammer?

  Uh huh. Okay.

• 11:31Speaker 04

  She loves to spend. Like, the, when I send her the check, like, I never see.

• 11:37Caleb Hammer?

  So why is she getting the check then?

• 11:39Speaker 03

  Okay.

• 11:40Caleb Hammer?

  If she's just out there blowing it all?

• 11:41Speaker 03

  I used to blow it all. Ever since we got a house, I can't blow it all. Like, we have.

• 11:47Caleb Hammer?

  Why do you keep saying blue?

• 11:47Speaker 04

  She still does.

• 11:48Caleb Hammer?

  As in past tense?

• 11:50Speaker 03

  I didn't say blewed.

• 11:51Caleb Hammer?

  Yes.

• 11:51Speaker 03

  I said I used to blow it off.

• 11:53Caleb Hammer?

  No, but now you do.

• 11:54Speaker 03

  Oh, I did. I did. Well, I haven't done that.

• 11:59Caleb Hammer?

  I know, English is a second language and.

• 12:01Speaker 03

  Yeah, clearly, huh?

• 12:03Caleb Hammer?

  And El Paso.

• 12:04Speaker 03

  It is, in my household too.

• 12:06Caleb Hammer?

  Yes, that's what I'm saying. You'd think I'm, what I'm saying is a joke, but it's not.

• 12:10Speaker 03

  I know.

• 12:11Caleb Hammer?

  Much, okay, whatever. It's fine. I don't care. But, okay, so you made him go get a better job to be the bride winner, to be the man, to be the earner, so that you can spend more money. So what do you do? Clear, high, superior being on this entire planet hoafation?

• 12:29Speaker 03

  For the longest time, I didn't do anything. Like, I was just, he basically took me out of work. And then now.

• 12:36Caleb Hammer?

  From 2022, he's only had the job a few years. This isn't like, okay, okay.

• 12:39Speaker 03

  From 2022 to 2024, 2025.

• 12:43Speaker 04

  Yeah.

• 12:43Speaker 03

  No, 2024, December. Um, and then I got my real estate.

• 12:46Speaker 04

  2025.

• 12:47Speaker 03

  Yeah, I got my.

• 12:48Caleb Hammer?

  Did he get your, okay, so you still don't have a job?

• 12:50Speaker 03

  Basically. I'm unemployed until I get employed again.

• 12:53Caleb Hammer?

  What does that mean? You've been unemployed for like three, four years?

• 12:55Speaker 03

  No, I'm a realtor.

• 12:57Caleb Hammer?

  Which means you don't have a job. I think like 50% of realtors actually sell a house within a year or buy, get someone to buy a house.

• 13:04Speaker 03

  I sold eight. For my first year. So I mean,

• 13:08Caleb Hammer?

  How much did she bring in her first year? Like fifty?

• 13:11Speaker 03

  Forty thousand?

• 13:12Caleb Hammer?

  Forty thousand? Okay, so poverty.

• 13:15Speaker 03

  Mm hmm. From zero to forty.

• 13:19Caleb Hammer?

  Zero to forty is good, but literally anything would go, I mean, you could make that at McDonald's and so. You can make more McDonald's. Yeah, you would make more McDonald's. Well, they usually look like you at McDonald's.

• 13:30Speaker 03

  No, they don't.

• 13:32Caleb Hammer?

  Um.

• 13:33Speaker 03

  I have seen people that work there. They do not look like me.

• 13:37Caleb Hammer?

  Who takes my credit card?

• 13:39Speaker 03

  Ah.

• 13:41Caleb Hammer?

  So you looked down on his job. You made him go get more money. What made you get back into making money last year?

• 13:48Speaker 03

  Um, I saw how unhappy he was at his job.

• 13:50Caleb Hammer?

  Yeah, that you made him get, because what's like your career opportunity and goal there? There's none.

• 13:57Speaker 03

  He wants to.

• 13:58Caleb Hammer?

  Like I want to get out and I want to be able to like. Get into school. For what? Either real estate or like. Oh, what are we doing?

• 14:06Speaker 03

  Yeah, no.

• 14:07Caleb Hammer?

  Also, I'm sorry, you're a little too monotone, I think, for that world. You're not, you're not, you're not. I can work on it. Salesy. I can work on it. Ah. Either like real estate or like, like a construction company. Now that, I see. What do you mean by that? Not because I'm racist, but because you don't have to talk. Yeah, like construction company or like. I'll get you a construction project management certification to course careers. I'll get you one of those. Okay. So like a lot of people in the audience have used it and they make a lot of money now. So that's good. That's a good start. Yeah. I do like construction. Construction is good. Texas is a good place for construction. We build a lot here. We don't have permitting like California. Um, that's a good thing, but if you're gonna,

• 14:52Caleb Hammer?

  if you're gonna be a real, I don't, I don't see a.

• 14:58Caleb Hammer?

  Something like that. I can't. I can work. That was an inch to give up. I have never even seen someone give up that quick in anything. I actually, that is impressive. I have never seen anyone give up on anything that quick in my life. I'm not giving up, but like. That was, I've never seen anything like that.

• 15:17Speaker 03

  So basically like the attitude he had before getting this job, like you would like.

• 15:20Caleb Hammer?

  What was that?

• 15:21Speaker 03

  Like.

• 15:22Caleb Hammer?

  What, you've destroyed him?

• 15:23Speaker 03

  No.

• 15:24Caleb Hammer?

  With your pussy whipping?

• 15:25Speaker 03

  No.

• 15:25Caleb Hammer?

  Girl, you have a fucking high heel on his neck. You made him get into something he hates. Now, don't get me wrong, if you were being a little cock boy pussy, you know, just letting the world roll over you and you weren't contributing to your relationship, that's fair for her to sign up and say, or stand up and say, yo, get your shit together, do something with your life. That's fair. Doesn't mean going to something you absolutely hate to get the highest buck, not necessarily, but I don't know. You can't say no to her. I mean, I literally have that in my notes. Yeah. Like I have in my notes, you saying, if you say no to her, you're afraid of her leaving. It's not that I'm afraid of her leaving, I just. Yeah, well, that's what you said to the producers. To hear her. Well, yeah, look at her. I mean, that's like what, that's what fuels her is probably being a bitch.

• 16:10Speaker 03

  Yeah.

• 16:10Caleb Hammer?

  Yeah. Well, that's not a good thing. You're miserable to be with, most likely.

• 16:14Speaker 03

  No, I'm not. I'm very.

• 16:15Caleb Hammer?

  No, she can be good. She can be good.

• 16:17Speaker 03

  I'm, I'm very loving. I'm very nurturing. Like I promise, when I'm in a good mood, just don't get me in a bad mood.

• 16:23Caleb Hammer?

  Good womb? Oh, good mood, okay. But she's in a bad mood 24/7. Exactly. That's what I'm saying. Look at you. Come on, you're a spicy Latina, which is, which is fun for a night. And then we send you on your way.

• 16:36Speaker 03

  It's definitely a lot to deal with. Like, I get that, but.

• 16:41Speaker 03

  He just does things sometimes and it just makes me explode.

• 16:45Caleb Hammer?

  Okay, well, you said to Colton that spending is his fault because he won't say no.

• 16:51Speaker 06

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

• 17:21Caleb Hammer?

  That's directly what you said. And you want to be more in tune with your finances, but that's what you're saying?

• 17:26Speaker 03

  Well, I feel like he, he needs to put his foot down a little more.

• 17:30Caleb Hammer?

  Or why don't you just control your own [__] habits, you dumb [__]?

• 17:33Speaker 03

  I do. So let me give you a scenario. Okay. I'll go to the store and I'll be on FaceTime with him. I'm like, oh my God, it's so cute. And he'll be like, you should-

• 17:41Caleb Hammer?

  Pause, pause. Do you have your headphones in or not?

• 17:43Speaker 03

  No.

• 17:44Caleb Hammer?

  Oh my goodness. Every [__] time.

• 17:47Speaker 03

  I'm just laughing.

• 17:48Caleb Hammer?

  Were you born here?

• 17:49Speaker 03

  Yes.

• 17:50Caleb Hammer?

  Yes?

• 17:50Speaker 03

  Yes.

• 17:51Caleb Hammer?

  Actually, and you're still one of those FaceTimers in public overly loud?

• 17:54Speaker 03

  Yes.

• 17:55Caleb Hammer?

  Oh, you're the worst.

• 17:56Speaker 03

  I thought it was like American scene.

• 17:58Caleb Hammer?

  We still, we still, we still need to somehow send you back. Even though you're from here, we need to send you back somewhere. I don't know where, but anyone that does FaceTime in public, super loud, send him somewhere. I don't know where.

• 18:09Speaker 03

  I'll FaceTime him right now. I'll be like, oh, this is cute. And then he'll be like-

• 18:12Caleb Hammer?

  And then everyone is miserable around you.

• 18:14Speaker 03

  And then I'm like, no babe, we can't right now. We don't have money. He's like, babe, it's fine. Like-

• 18:18Caleb Hammer?

  Actually?

• 18:19Speaker 03

  Yes.

• 18:20Caleb Hammer?

  Why? Well, first of all, have some self-control. What's wrong with you? But also, why don't you speak up? Why are you just a pushover? Why do you just let it happen?

• 18:29Speaker 04

  I do and I have.

• 18:30Caleb Hammer?

  Not based on what she's saying.

• 18:31Speaker 04

  Because when I tell her no, she'll be like-

• 18:34Caleb Hammer?

  Do you imagine it in the shower later from a past situation? You'll start crying on FaceTime.

• 18:40Speaker 04

  Yes, on FaceTime.

• 18:41Caleb Hammer?

  In public.

• 18:42Speaker 04

  Or in person.

• 18:42Caleb Hammer?

  In the middle of Sheen.

• 18:44Speaker 03

  No. Sheen is not a real store. It's online only, by the way. But-

• 18:50Caleb Hammer?

  See, I don't-

• 18:50Speaker 04

  But she'll start crying like in public, anywhere.

• 18:54Caleb Hammer?

  Really?

• 18:55Speaker 03

  I will not.

• 18:56Speaker 04

  Yeah, she will.

• 18:57Speaker 03

  No, I will not start crying. He literally has no control. That's it.

• 19:02Caleb Hammer?

  He's saying you'll start crying. I see how caked up all that shit is. That must be fucking smearing.

• 19:07Speaker 03

  Yeah. It's actually scary if I cry. I can't cry on camera.

• 19:11Caleb Hammer?

  Huh?

• 19:12Speaker 03

  I can't cry here.

• 19:14Caleb Hammer?

  You can cry here?

• 19:15Speaker 03

  I can't.

• 19:16Caleb Hammer?

  Can't?

• 19:16Speaker 03

  No.

• 19:17Caleb Hammer?

  You don't say words very well.

• 19:19Speaker 03

  I do.

• 19:20Caleb Hammer?

  Okay, so you say you put your foot down or else she cries, but she, she says you don't even put your foot down.

• 19:26Speaker 04

  Yeah.

• 19:26Caleb Hammer?

  I'm just trying to understand the dynamic of this relationship as we get into the money here. There's a clear disconnect on the reality of the situation, please.

• 19:34Speaker 03

  He doesn't put his foot down. Like dead ass.

• 19:37Caleb Hammer?

  Dead ass?

• 19:37Speaker 04

  A big reason why like- I've never really put my foot down. It's because like during that time I didn't have this job. She went behind my back and like had a sugar daddy.

• 19:52Caleb Hammer?

  What? What? You guys were dating?

• 19:54Speaker 04

  Yes.

• 19:54Caleb Hammer?

  What?

• 19:56Speaker 04

  And.

• 19:58Caleb Hammer?

  So that's your fears. You you say no, and then she goes out and gets some sugar.

• 20:01Speaker 04

  Pretty much.

• 20:02Speaker 03

  I did not get sugar or give sugar. I just got money.

• 20:06Speaker 04

  She would go to his house.

• 20:07Speaker 03

  I promise you, some men are that dumb.

• 20:10Caleb Hammer?

  She would what?

• 20:10Speaker 04

  She would go to his house.

• 20:12Speaker 03

  I went to his house one time.

• 20:14Speaker 04

  And like at night.

• 20:14Caleb Hammer?

  That's huge.

• 20:16Speaker 03

  No, no, no, no, no.

• 20:16Caleb Hammer?

  What? That's huge.

• 20:17Speaker 03

  But I just took you breakfast.

• 20:19Caleb Hammer?

  What? What if I went to someone's house? What? What is this?

• 20:24Speaker 03

  Nothing happened. I promise you.

• 20:26Caleb Hammer?

  Does anyone in the world believe that for a single second? Why would you go to someone's house and nothing happens? Not even a little touch?

• 20:33Speaker 03

  He literally gave me $500 to take him breakfast. To go pick up the breakfast from, what is it? Crack and barrel?

• 20:40Caleb Hammer?

  Crack in barrel. Girl, what is wrong with you?

• 20:45Speaker 03

  What are they called?

• 20:46Caleb Hammer?

  Crackle barrel.

• 20:47Speaker 03

  Crackle.

• 20:51Speaker 03

  And then I picked up the food. He literally placed the order through the phone. I didn't even have to place the order. I picked up the food, drove it to his house, and then.

• 20:59Caleb Hammer?

  What is this sugar daddy situation? What was the entire, from your perspective? Because I don't even trust your perspective. What happened?

• 21:05Speaker 04

  So she was working at that union police and at the time I was, like she said, I was a server. So I wasn't really making good money.

• 21:13Caleb Hammer?

  Yeah.

• 21:14Speaker 04

  And then, well, I guess she found him there and then.

• 21:18Caleb Hammer?

  The restaurant?

• 21:19Speaker 04

  Yeah.

• 21:20Caleb Hammer?

  Oh, it's your titty restaurant?

• 21:21Speaker 04

  Yeah.

• 21:22Speaker 03

  He came to me. Yeah. A few shots will do a lot.

• 21:28Caleb Hammer?

  What did you just marry?

• 21:30Speaker 03

  Oh.

• 21:30Caleb Hammer?

  A few shots? You, eh, okay.

• 21:33Speaker 03

  Yeah, a few shots for the the man. He left me $800 a day. He said, keep the change.

• 21:39Speaker 04

  Go on. So.

• 21:43Speaker 04

  Yeah, so she got the sugar daddy and it was like it was going on for like a couple of months. From what I saw on the texts. It was like three months.

• 21:51Caleb Hammer?

  But you didn't know this was happening?

• 21:53Speaker 04

  No, no, the reason I found out was because I was doing like a real estate. Course, online course. And then I was borrowing her iPad. And then like I saw texts of her talking shit about me to him. Saying, saying, saying that like.

• 22:12Caleb Hammer?

  Whoa, what the?

• 22:15Speaker 04

  Gonna leave me.

• 22:15Caleb Hammer?

  Oh, we're starting, this is the first episode we're filming in the year and we're starting Full Springer and I love it. What the are you talking about? That's insane, what are you, what is wrong with you, woman? What is wrong with you, woman?

• 22:28Speaker 04

  Hard time.

• 22:28Caleb Hammer?

  Hard time, shut the up, talking trash about your boyfriend behind his back to a guy that's giving you money that you met at the titty bar? That you go over to his house? What are you talking about? What is that? What the did you even think and say, what the?

• 22:45Speaker 04

  I was mad, I was mad, but like.

• 22:47Caleb Hammer?

  Let's talk about student loans. I know it's something we all avoid talking about, but if your private student loans are crushing you, Y Refi might be exactly what you need. They don't rely on your credit score alone, they look for borrowers who have the desire and the ability to repay. That is a game changer in a market where most lenders only see a number. Interest rates, under 6% guaranteed. That's practically a unicorn in student lending. Plus, they offer structured payment plans to lower your monthly bill and even a co-center release program so your mom and dad can step off the hook. Y Refi is known for their personal service. No faceless call centers, you get a dedicated rep who actually cares about your progress.

• 23:32Caleb Hammer?

  They've got a 4.6 star rating on Google, which tells you people genuinely like working with them. So if your private student loans are burying you, it is time to reach out. Y Refi wants to help you climb out of debt, not push you further into it. Check them out at yrefy.com/hammer, that is Y R E F Y dot com slash hammer, or call 888-973-3978, that is 888-973-3978. Break free from the high interest trap and get your finances under control once and for all. That's kind of stupid, I'll be honest, but what's not is actually getting a checking account that gives you free money.

• 24:13Caleb Hammer?

  Free money, we like free money. You can get up to $350 in bonus cash right now. When you sign up for the checking account that I use, chime. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Odd and get free money at the same time. Who would have thought? That's incredible. Check it out. Link in the description below. Sign up for chime. Get that $350 right now in your checking account. He showed up to my job. Shut the fuck up, he's talking.

• 24:44Speaker 04

  So I showed up to your job and like, I was pissed off. But all I did was just sit down and like just mad dog her.

• 24:52Caleb Hammer?

  Huh?

• 24:53Speaker 04

  I was mad dogging her.

• 24:54Caleb Hammer?

  What does that mean to you?

• 24:55Speaker 04

  Like I was just like standing there just with an angry face. And then we had like a little talk. I was very calm. She says I like, I was yelling at her, but I wasn't. But I told her like, you can be honest with me.

• 25:10Caleb Hammer?

  You yelling at her would have been totally valid. At my job? It would have been valid at my job? Maybe not the best place for it, but I think you talking trash about your boyfriend that he, that you keep behind his back to a guy that has given you money of whom's house you've been to, whose house you've been to, and he sees it only on accident by using your iPad? Yes, I think yelling anywhere would have been relatively valid. Beating you? No. But yelling, I think a little, yeah. Not an emotional abuse type of situation, but I think being angry and yelling, yes, I think most people would consider that valid.

• 25:49Speaker 04

  So that's like the main reason why I don't like telling her no.

• 25:53Caleb Hammer?

  Because she thinks she'll just go kiss him, pay D. Dude. I swear up and down I didn't do anything. Who the fuck trusts you for anything, fake tits? Listen, you actually think she went over to this guy's house and not a single thing ever happened once? You don't, like, see? See, you hear that?

• 26:13Speaker 03

  Are you kidding me Chad?

• 26:15Caleb Hammer?

  Oh, you used the fake name correctly. That's nice. Okay. I don't think so.

• 26:20Speaker 03

  I swear. Like, okay, the only thing that did happen.

• 26:24Caleb Hammer?

  No, no, no. This isn't about defense anymore. He legitimately thinks that likely something happened and you just have never coped to it.

• 26:32Speaker 03

  No.

• 26:33Caleb Hammer?

  And he's afraid of that happening again. What do you think about that? Cause that is real. That is legit.

• 26:39Speaker 03

  It was really sad and I wish I never did it, honestly. Like, I regret it so much.

• 26:43Caleb Hammer?

  Oh my goodness, you seem like the fake.

• 26:46Speaker 03

  I'm not. I promise. Like, I really do regret it. Seriously.

• 26:53Speaker 04

  Not at the time.

• 26:58Caleb Hammer?

  You saw the entire text conversation?

• 27:01Speaker 04

  Kinda. I saw like some parts, but like.

• 27:05Caleb Hammer?

  Was any image sent anywhere?

• 27:07Speaker 04

  No, because like his side of the texts were deleted, but not her side.

• 27:11Speaker 03

  He didn't need an image. He saw me in person. Come on.

• 27:13Caleb Hammer?

  Why were his side of the texts deleted?

• 27:15Speaker 04

  I don't know.

• 27:16Speaker 03

  What?

• 27:17Speaker 04

  Yeah, like his side of the texts were deleted.

• 27:20Speaker 03

  When?

• 27:22Caleb Hammer?

  Look at that face. That is the most, that is the most, I just got caught in a. Oh, you are not sly dude.

• 27:30Speaker 03

  No, I swear.

• 27:31Caleb Hammer?

  Look at you.

• 27:32Speaker 03

  I swear. Nothing happened there, I promise. But I promise.

• 27:38Caleb Hammer?

  Many people consider emotional cheating worse than physical.

• 27:41Speaker 03

  No, yeah, I consider it worse.

• 27:43Caleb Hammer?

  And that is for multiple months, I would say.

• 27:46Speaker 03

  It wasn't like I liked the dude. Like, I just liked his money.

• 27:49Caleb Hammer?

  We don't know. We don't know.

• 27:52Speaker 03

  He was, he had a receding hairline. He was old as.

• 27:56Speaker 03

  He was about to die.

• 27:58Speaker 04

  Don't attack me.

• 27:59Caleb Hammer?

  Well, it's, it's, it's just little.

• 28:02Speaker 03

  Back there.

• 28:03Caleb Hammer?

  It's fine. Finesse ride would be a good start.

• 28:05Speaker 03

  But I swear nothing happened.

• 28:08Caleb Hammer?

  I don't believe you.

• 28:09Speaker 03

  Okay.

• 28:10Caleb Hammer?

  Who would give money for literally nothing ever? Not even a single titty pic?

• 28:14Speaker 03

  I promise you, I've had a real sugar daddy where I have had to give sugar, but.

• 28:19Caleb Hammer?

  And that, was that while dating?

• 28:20Speaker 03

  No.

• 28:21Caleb Hammer?

  Bullshit. You guys, you guys met at 19.

• 28:23Speaker 03

  Yeah. Yeah, I had him really young.

• 28:31Caleb Hammer?

  How young?

• 28:32Speaker 03

  I was freshly eighteen.

• 28:35Caleb Hammer?

  But are you sure you were eighteen?

• 28:36Speaker 03

  Yeah, yeah, yeah. I was. I promise.

• 28:40Speaker 03

  Yeah, and I had had to give sugar, but even

• 28:43Caleb Hammer?

  Why would this make a difference? Huh?

• 28:46Speaker 03

  I was so surprised he didn't want sugar. I swear.

• 28:49Caleb Hammer?

  Well, he's afraid of you doing this again. And why the [bleep] were his texts deleted? That is sketchy as [bleep].

• 28:53Speaker 03

  I don't know. I don't remember. It was years ago.

• 28:55Caleb Hammer?

  Ohhh.

• 28:57Speaker 03

  But I don't think they were deleted. Maybe, you know how like sometimes it doesn't like sync right with the iPad and iPhone?

• 29:03Caleb Hammer?

  No, no. That's not how that works. No.

• 29:05Speaker 03

  Well.

• 29:06Caleb Hammer?

  No. As someone with an iPad here, where it all syncs. No.

• 29:12Speaker 03

  Well, that's what happened.

• 29:15Speaker 03

  It wasn't properly synced. Like, there's no way it was.

• 29:17Caleb Hammer?

  Look, you see how she's so confidently saying it's because it wasn't synced? Like, she didn't even know. She claimed to not even know about twenty seconds ago that the messages on his side were Then how are you confidently saying it's because it wasn't synced?

• 29:28Speaker 03

  That's my only explanation, because I didn't delete them.

• 29:30Caleb Hammer?

  You are such a liar. You're too easy to see through the lies.

• 29:33Speaker 03

  Oh.

• 29:34Caleb Hammer?

  What? This is as clear as day that you're a liar. The fact that you confidently said what happened and why it wasn't there, when twenty seconds ago you literally were like, "What? His messages weren't there? That's crazy."

• 29:46Speaker 03

  Well,

• 29:47Caleb Hammer?

  Liar.

• 29:48Speaker 03

  I didn't know they weren't there, but now I'm trying to come up with an explanation onto why they were not there.

• 29:53Caleb Hammer?

  And if he requested sugar?

• 29:56Speaker 03

  Would I have given it to him? No, I would have cut it off.

• 29:58Caleb Hammer?

  Easy to say.

• 29:58Speaker 03

  I ended up got, I ended up finding out he had a wife that he didn't tell me about, so that's probably why he didn't want sugar.

• 30:03Caleb Hammer?

  You were literally dating someone. What the, who are the, what moral

• 30:06Speaker 03

  I was not dating him. I never

• 30:08Caleb Hammer?

  Him!

• 30:08Speaker 03

  Oh.

• 30:09Caleb Hammer?

  What moral high ground are you standing on? He had a wife. You had a boyfriend!

• 30:14Speaker 03

  Well, I'm sorry. It was a different time.

• 30:16Caleb Hammer?

  Yes, it did him. But he's afraid of you literally doing it now because he doesn't trust you.

• 30:20Speaker 03

  I would never do that to him again. Like, it's a whole different

• 30:24Caleb Hammer?

  What? You literally have.

• 30:27Speaker 03

  Well, yeah, but I wouldn't do it again. I learned my lesson.

• 30:30Caleb Hammer?

  How'd you learn your lesson?

• 30:32Speaker 03

  I felt regret. I was, I didn't want to

• 30:36Speaker 04

  What's it called? The seven steps of

• 30:38Speaker 03

  Stages of grief. Yeah. It was hard.

• 30:42Caleb Hammer?

  Look at her face. That is a face of no rea, do you think she actually regrets it?

• 30:46Speaker 04

  No.

• 30:47Speaker 03

  What the heck?

• 30:49Speaker 04

  And I can tell you no, because, I can tell you no, because we went to Cancun that year. Because of him.

• 30:55Speaker 03

  Yeah.

• 30:57Speaker 03

  He gave me like thirty grand in like the span of two months.

• 31:00Caleb Hammer?

  No way, there was not a drop of sugar. It is impossible.

• 31:04Speaker 03

  I wish I could call him so you could ask him.

• 31:06Caleb Hammer?

  Call him.

• 31:07Speaker 03

  I don't have his number.

• 31:09Speaker 06

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

• 31:38Caleb Hammer?

  Besides that, has anyone cheated in this relationship?

• 31:41Speaker 03

  No.

• 31:44Speaker 04

  No? Not physical that I know of, but like emotionally?

• 31:50Speaker 03

  Me?

• 31:51Speaker 04

  Yes.

• 31:52Speaker 03

  What about you?

• 31:53Speaker 04

  No.

• 31:54Speaker 03

  Hmm.

• 31:54Speaker 04

  I haven't. I've done stuff, but like not like.

• 32:00Speaker 04

  But like overly like.

• 32:02Caleb Hammer?

  What have you done?

• 32:03Speaker 03

  No, you can't justify what you did.

• 32:06Caleb Hammer?

  Wait, what did you do?

• 32:07Speaker 03

  Cheating is cheating.

• 32:08Caleb Hammer?

  Wait, do you know?

• 32:09Speaker 03

  Yes.

• 32:10Caleb Hammer?

  What happened?

• 32:11Speaker 04

  It was like video chats and stuff. That's it, but.

• 32:14Speaker 03

  That's it?

• 32:16Speaker 04

  But.

• 32:16Speaker 03

  That's it?

• 32:18Caleb Hammer?

  Colton, did you even know this?

• 32:19Speaker 04

  No.

• 32:20Caleb Hammer?

  Colton didn't even know this.

• 32:22Speaker 03

  I'm glad he brought this up.

• 32:25Caleb Hammer?

  Bring this up?

• 32:26Speaker 04

  Because like it was like years of like cheating on her side.

• 32:30Caleb Hammer?

  Years?

• 32:31Speaker 03

  So you're justifying it.

• 32:32Caleb Hammer?

  Wait, so you were doing multiple cheats?

• 32:34Speaker 03

  No.

• 32:34Speaker 04

  Yes.

• 32:35Speaker 03

  No, no, no.

• 32:36Caleb Hammer?

  What?

• 32:36Speaker 03

  It was just conversations, conversations.

• 32:38Speaker 04

  So Chadley, tell me. She had, like she was in love with some guy that she never met. And like that was like at the start of the relationship. And she would cry to me about him. Saying that she wants to go see him and shit like that.

• 32:53Caleb Hammer?

  You cock, okay?

• 32:54Speaker 04

  And then what else?

• 32:55Caleb Hammer?

  And why you stayed? I have no the idea with that.

• 32:59Speaker 04

  I don't know.

• 32:59Caleb Hammer?

  Well, yeah, what else?

• 33:01Speaker 04

  And then.

• 33:02Speaker 03

  There's no way you're venting everything, right?

• 33:05Speaker 04

  This is not therapy?

• 33:08Speaker 04

  Um, well, there's been like a couple of times that I've caught her like

• 33:12Speaker 03

  Talking.

• 33:12Speaker 04

  Talking to other guys.

• 33:14Caleb Hammer?

  What, what does that mean?

• 33:14Speaker 04

  Like.

• 33:16Speaker 03

  They flirt with me and I just.

• 33:17Caleb Hammer?

  Where, where?

• 33:19Speaker 04

  Like on Instagram and like people.

• 33:21Caleb Hammer?

  It's not even at a bar when drunk, like a, like a little off thing. Oh, that's like an actual real thing, like continue, like chatting, chatting, chatting, which is okay, by the way, if you guys establish that boundary, that is fine.

• 33:32Speaker 04

  Yeah.

• 33:32Caleb Hammer?

  It could be a little freaking fun, but you guys didn't.

• 33:35Speaker 03

  We had a boundary with prior with porn and he crossed that boundary.

• 33:40Caleb Hammer?

  Girl, you were literally, you emotionally cheated like 30 times, if it sounds like.

• 33:45Speaker 03

  And who knows how long he was doing that for?

• 33:47Caleb Hammer?

  Okay, so what was this video thing you were doing?

• 33:49Speaker 04

  It was just like video chats, like me talking to girls and.

• 33:52Speaker 03

  And he paid a subscription.

• 33:54Speaker 04

  Like.

• 33:55Speaker 03

  And he had a Tinder.

• 33:59Speaker 04

  That I only used like one night and then I.

• 34:02Speaker 03

  One night, my ass. Why the [BEEP] down on Tinder?

• 34:05Caleb Hammer?

  Yeah, why would you have a Tinder?

• 34:06Speaker 03

  To me, up with someone and [BEEP].

• 34:08Caleb Hammer?

  Just like you didn't fall.

• 34:09Speaker 03

  That's literally what it is for.

• 34:11Speaker 04

  I never met up with anybody, like ever, ever.

• 34:15Speaker 03

  But you know what? You know what? Like I did my shit, he did his shit, but we're clean.

• 34:20Caleb Hammer?

  Yeah. The video chat, so you, you paid for a private video chat?

• 34:27Speaker 04

  Yeah.

• 34:27Caleb Hammer?

  And you were just like.

• 34:28Speaker 03

  Multiple.

• 34:30Caleb Hammer?

  And go into that person?

• 34:31Speaker 04

  Yeah.

• 34:32Speaker 03

  Probably for like a year.

• 34:33Caleb Hammer?

  Oh, yeah, yeah. And it was like a clear no boundary on [BEEP].

• 34:38Speaker 03

  Yeah, because.

• 34:39Caleb Hammer?

  Why?

• 34:40Speaker 03

  TMI. We used to watch [BEEP] together, but then it got to a point where I didn't want to keep watching it together. Like it just felt like, like the intimacy between us wasn't as great because of the [BEEP]. So then I, I drew the line and I was like, I don't even feel comfortable with you watching [BEEP] alone, like in general, you know?

• 35:00Caleb Hammer?

  There was no reason why you just did, just said nope.

• 35:04Speaker 03

  No, there was a reason. I didn't like how it made me feel like.

• 35:06Caleb Hammer?

  Yeah, but him watching [BEEP] on a zone.

• 35:08Speaker 03

  Two girls that are not real.

• 35:10Caleb Hammer?

  The zone though. Clearly it ended up, you did have an issue.

• 35:14Speaker 03

  Yeah.

• 35:14Caleb Hammer?

  We found out, but.

• 35:17Speaker 03

  Yeah, because he did, he stopped watching the free porn and he went to go pay for it. And there was like multiple apps on his phone.

• 35:24Caleb Hammer?

  What?

• 35:25Speaker 03

  Oh yeah, it's like, it's like apps. It's like apps that you go into and like, I don't know.

• 35:32Caleb Hammer?

  The oil fields that boring?

• 35:34Speaker 03

  Yeah, probably everybody there does it.

• 35:36Speaker 04

  It's not like.

• 35:38Caleb Hammer?

  Are there like? Oil lizards, like there are lot lizards for truck drivers?

• 35:43Speaker 04

  Hmm.

• 35:43Speaker 03

  What's that?

• 35:44Caleb Hammer?

  Like nasty ass hoes, kinda like yourself that just like show up to the oil.

• 35:48Speaker 04

  No, no.

• 35:49Caleb Hammer?

  Fields.

• 35:49Speaker 03

  I feel like there is.

• 35:50Speaker 04

  Not that I know of. Like I've never like done anything with anybody in person.

• 35:55Speaker 03

  Hmm. So why'd you have Tinder?

• 35:57Speaker 04

  I told you what happened.

• 35:59Caleb Hammer?

  That's kinda crazy. The downloading Tinder thing is kinda crazy.

• 36:01Speaker 04

  Yeah, it is. But like, it was.

• 36:03Caleb Hammer?

  You guys could do these things separately if you guys establish that it's okay in your relationship.

• 36:07Speaker 04

  Yeah.

• 36:08Caleb Hammer?

  You guys were only doing these things behind each other's backs. How the, by the way, if we can't even trust each other on that kinda level? Can we trust each other on a literal numbers level, finances level? Not to go spend money behind each other's back if we're literally flirting and honestly, a little touch probably, come on.

• 36:25Speaker 03

  I did not touch.

• 36:26Caleb Hammer?

  I don't believe you.

• 36:28Speaker 03

  I did not touch his.

• 36:29Caleb Hammer?

  Okay, answer honestly here because this could be years ago and we can all move on here. We can all move on here, okay? He can move on. At any point during the entire relationship, did you ever touch another penis?

• 36:42Speaker 03

  No.

• 36:43Caleb Hammer?

  I do not believe you. Did you ever touch another boob?

• 36:45Speaker 04

  No.

• 36:46Caleb Hammer?

  I do not believe you. I don't believe either of you and I think both of you are too scared to say.

• 36:50Speaker 04

  No, I've never touched another boob.

• 36:52Speaker 03

  I don't believe you.

• 36:53Speaker 04

  Her tits are the only tits I've ever touched in my life.

• 36:55Caleb Hammer?

  And they're horrible.

• 36:57Speaker 03

  I'm gonna get them redone. You're gonna put that into my budget, please, cuz clearly I need a better one.

• 37:03Caleb Hammer?

  Well, yeah, I hate when they're like that. It's crazy. But they're also not mine, so that's, that is to deal with.

• 37:08Speaker 03

  Yeah.

• 37:09Caleb Hammer?

  I don't believe either of you.

• 37:11Speaker 03

  No.

• 37:11Caleb Hammer?

  Cuz you both are serial cheaters in different ways and I highly doubted everyone to the physical level. And again, it's okay if it did, if you guys established the boundary. Or two, if it happened like five, four years ago, we can move beyond it. But the, both of you are, cuz I guarantee, guarantee, if you admitted to the tit you likely touched, she would then feel okay to tell that, has a guy touched your tit?

• 37:38Speaker 03

  No.

• 37:39Caleb Hammer?

  Has a guy seen your tit?

• 37:40Speaker 03

  No.

• 37:41Caleb Hammer?

  Oh.

• 37:42Speaker 04

  Why are you thinking about it?

• 37:43Speaker 03

  Cuz I was like, what do you mean seen? Like? In person?

• 37:48Caleb Hammer?

  Or a tit pick?

• 37:49Speaker 03

  No.

• 37:50Caleb Hammer?

  Well, why'd you have to clarify in person? Yeah.

• 37:53Speaker 03

  Cause I was confused. I knew no picture.

• 37:56Caleb Hammer?

  She's the worst liar.

• 37:58Speaker 03

  Okay. What?

• 38:02Caleb Hammer?

  Okay. Okay. But that was a while ago.

• 38:05Speaker 04

  I hope.

• 38:05Caleb Hammer?

  Yeah. When that happened.

• 38:07Speaker 03

  Years ago.

• 38:07Caleb Hammer?

  Yeah. See? Got her to admit it.

• 38:09Speaker 03

  I did not admit to it.

• 38:11Caleb Hammer?

  You're ju- you literally just did.

• 38:13Speaker 03

  Talking about the sugar daddy. It was years ago.

• 38:16Caleb Hammer?

  So how the can we trust each other to manage each other's money and manage the wallet? You have to give her a check. You, you, you trust her with this check? You can't even trust her in your like romantic and sexual? What do you mean? No, what the? No, you're gonna have to clarify.

• 38:29Speaker 04

  I don't trust her like in like going out to like spend all of it at once.

• 38:35Caleb Hammer?

  Isn't that it then? Would that not be trusting? And?

• 38:38Speaker 04

  Yeah.

• 38:39Speaker 03

  I wouldn't spend all that.

• 38:40Speaker 04

  But I do, like, she'll wait for all the bills to get paid and then she'll spend all of it.

• 38:44Speaker 03

  Yeah, I'll spend the rest.

• 38:45Speaker 04

  Yeah.

• 38:45Speaker 03

  Whatever's left over.

• 38:45Caleb Hammer?

  Okay, guys, I know what came in on a monthly basis.

• 38:50Caleb Hammer?

  Let's see, did you have a commission check hit? Let's see. No.

• 38:53Speaker 03

  Not this month.

• 38:54Caleb Hammer?

  Um, no. Okay, so seven thousand five hundred is what came in. What went out? What was the outflow for the house?

• 39:02Caleb Hammer?

  What was the outflow for the house? Come on, money manager lady.

• 39:04Speaker 03

  I wanna say around...

• 39:11Speaker 03

  I thought it was seven thousand, but I wanna say it's more.

• 39:15Caleb Hammer?

  How much do you think, money manager?

• 39:17Speaker 03

  I wanna say like eight or nine.

• 39:18Caleb Hammer?

  What do you think, Chad?

• 39:20Speaker 04

  Like ten thousand?

• 39:22Caleb Hammer?

  Thirteen thousand, two hundred fifty-five dollars, fifty-four cents. So spending after the bills are paid, you overspend, you beyond overspend, it's all you guys have nothing. What are you talking about? And you guys just got married, which by the way,

• 39:36Caleb Hammer?

  that's crazy, but two, I mean, just, just calculated known bullshit, a hundred percent known bullshit, was approximately sixteen hundred. One thousand, six hundred dollars is known bullshit between miscellaneous bullshit and going out to eat. But then there's also unknown. There's unknown stuff. Unknown shopping, eight hundred sixty dollars and ninety-five cents and other large purchases, which we don't know if they're full bullshit. Five thousand, five hundred thirteen dollars. So half of that could be bullshit as well. But we know for a fact that minimum one thousand, six hundred dollars was spent on bullshit. At a minimum. Oh, you guys are trying to have a baby?

• 40:13Speaker 04

  Yeah.

• 40:17Speaker 03

  Actively trying.

• 40:20Caleb Hammer?

  Is this the time?

• 40:22Speaker 03

  So I thought it was before you guys called me.

• 40:25Caleb Hammer?

  You applied.

• 40:26Speaker 03

  No, my friend did. She applied for me.

• 40:29Caleb Hammer?

  Really?

• 40:30Speaker 03

  Yes.

• 40:30Caleb Hammer?

  That's funny.

• 40:31Speaker 03

  I was telling her like my financial situation and then she was like, you need to go on the show.

• 40:35Caleb Hammer?

  You want out there?

• 40:36Speaker 03

  Yes.

• 40:36Caleb Hammer?

  That's funny.

• 40:37Speaker 03

  Yeah.

• 40:38Caleb Hammer?

  We'll bring her into the post show.

• 40:39Speaker 03

  Yeah. She was like, you need to go on the show. You sound just like this episode. And she sent me this stripper episode.

• 40:44Caleb Hammer?

  Yeah, you are basically a stripper. Yes. And come on, you seem like a stripper.

• 40:49Speaker 03

  I'm not.

• 40:50Caleb Hammer?

  Now you use the fake tits to sell houses.

• 40:52Speaker 03

  I could probably, I mean, I was probably gonna be making a little more money.

• 40:56Caleb Hammer?

  No, cuz she doesn't know how to twerk.

• 41:01Speaker 03

  That's crazy.

• 41:03Caleb Hammer?

  Is it?

• 41:06Speaker 03

  I can't say what I'm gonna say.

• 41:07Caleb Hammer?

  What? Say it. What? Say it.

• 41:14Speaker 03

  But I could twerk on your dick.

• 41:16Caleb Hammer?

  Yeah.

• 41:17Speaker 03

  Like dead ass.

• 41:18Caleb Hammer?

  Oh, trying to make a baby? Yeah.

• 41:20Speaker 03

  But I maybe not.

• 41:23Speaker 03

  Setting up.

• 41:24Caleb Hammer?

  Like, I want this child to have the best potential future as possible.

• 41:28Speaker 03

  And that's what I want too.

• 41:29Caleb Hammer?

  Okay, but yeah, you're doing nothing to try to do that. You spent 2,000 more than you made. Last month. No, it was way more than 2,000. It was like 5,000 more than you made. 6,000. What the fuck am I talking about? Um, your friend's applying for you to come on the show cuz you're a complete mess, complete disaster, complete up in every way. You guys are going behind each other's backs in every way whatsoever. He's afraid of you spending all the money after the bills are paid. Are the bills even paid on time? We'll find out. And you guys have horrendous. How much debt do you guys have?

• 41:55Speaker 03

  Wow.

• 41:56Caleb Hammer?

  Okay, that's not a number.

• 41:58Speaker 03

  I wanna say, including the house or no?

• 42:01Caleb Hammer?

  Uh, uh, no. Let's just say outside of the mortgage. The mortgage loan is 357,494, which means he's basically locked into this job, by the way. Or else you need to have your income substantially go up so you can downgrade his income. But either way, yeah, how much debt outside of that? What do you think, Chad? How much debt outside of the mortgage? So adding the car and the credit cards, like?

• 42:22Speaker 03

  I want to say

• 42:23Caleb Hammer?

  Like sixty thousand?

• 42:24Speaker 04

  Okay.

• 42:25Speaker 03

  I want to say seventy-five.

• 42:27Caleb Hammer?

  Right in between seventy-two thousand, four hundred and sixty-eight dollars and ninety cents. The

• 42:32Caleb Hammer?

  Why after paying bills do we just go and spending money instead of funneling the rest towards paying off debt? So our kid can have the best future possible?

• 42:37Speaker 03

  We do.

• 42:38Caleb Hammer?

  No.

• 42:39Speaker 03

  We get a little bit and then we divide in between three.

• 42:42Caleb Hammer?

  Girl, you spent more than you made. Debt went up. Shut the fuck up. You don't know what you're talking about. No, you don't. Shut up. What are you talking about? You, you spent thousands on bullshit. What are you talking about? That money went to bullshit. It didn't go to paying off debt. Fuck you. What are you talking about? This kid is not consenting to come to the world. You are choosing to stick it in. You are choosing to twerk on it. The kid is not consenting to come into this world. Yet you are going to put the burden of him on this child that you guys are on enjoying all your, your entire life. So when it comes to you retiring, that person, that child is going to have to put their life on hold to take care of their parents. Cause their parents decided to live up their life and now your kid won't be able to.

• 43:22Caleb Hammer?

  That's not fair.

• 43:23Speaker 04

  It's not.

• 43:25Caleb Hammer?

  So what the? You're twerking on it right now where you can't even communicate about money? How does money get communicated in this household right now? Other than the check just gets sent to her. What's the communication?

• 43:35Speaker 03

  It doesn't get communicated. Like the reason the check gets sent to me is because his idea was just paying off the credit cards each time with his whole check. So everything would go to credit cards. And then when we got the house, I was like, you need to send me a check because I was scared because he's had a car repoed. So like he had to pay for my car.

• 43:52Speaker 04

  Yeah, that was like during covid.

• 43:54Speaker 03

  Yeah. So I'm afraid of that. That's going to happen again.

• 43:56Caleb Hammer?

  All right. What do you guys think the household financial score is? Zero to ten, zero being the absolute worst, ten being the absolute best. What do you guys think?

• 44:02Speaker 03

  One.

• 44:03Speaker 04

  Six.

• 44:05Caleb Hammer?

  What the? You think you're above just like straight down the middle?

• 44:08Speaker 04

  Like we're not that bad, but we're not that good. You know?

• 44:12Caleb Hammer?

  You had a car repoed a couple of years ago.

• 44:14Speaker 03

  And he just told you how much we're in debt.

• 44:16Caleb Hammer?

  No, yeah. Bad debt outside of the mortgage.

• 44:19Speaker 04

  It's fixable.

• 44:20Caleb Hammer?

  You know that moment in a business meeting when someone says, let's use AI, but everyone just nods and no one knows what that actually means? Yeah, most companies right now. Meanwhile, your competitors, they're not guessing. They're already putting AI to work. And with NetSuite by Oracle, you can too. NetSuite is the number one AI-powered cloud ERP trusted by over 43,000 businesses. It pulls your financials, HR, inventory, CRM, everything into one source of truth. That connected data makes your AI actually useful. We're talking smarter automation, better insights and fast decisions that save you money. And now the NetSuite AI connector lets you plug in your favorite AI and ask real business questions. Who are my best customers? How much inventory are we drowning in? Stuff that actually matters.

• 45:03Caleb Hammer?

  If I were running a fast-growing business at scale, NetSuite would be what I'd put in place. If your revenues are at at least seven figures, get our free business guide, Demystifying AI at netsuite.com/hammer. That is netsuite.com/hammer. Let's get back to the show. Wanna know a dirty little secret? And now I'm not starting an only [BLEEP]. You're not broke because you suck with money. You just can't see where it's going. If your bank account is empty at the end of every month, that is not bad luck. That is bad tracking. And it's exactly why I use Dollar Wise. It shows you exactly where your money's going every single month. Spending, subscriptions and savings all in one simple dashboard. Everything you need and nothing you don't. And when you download Dollar Wise today, you'll get six to try it for free,

• 45:46Caleb Hammer?

  plus three months for just $9.99. So you can finally take control and see what your money's been doing behind your back. Click below to get started. Because you have a good job. Yeah. You think you're doing well. Yeah. That's what people think pulls the weight. Sometimes when you have more, uh, bring in a higher income, you get into a worse financial position in this country than those who make less. Yeah. If you want your Hammer financial score, find out where you stand in the world of money. Take the assessment for free at Calebhammer.com. Just takes a few minutes. You get to see where you're doing poorly, what you need to do to improve and where you're doing pretty great. And if you don't want to be like a guest who ends up on the show, make sure you download the Downalwise Budgeting app. Guys, new features being added every single month. Massive refresh coming in February. It's incredible. And most people sign up for the annual version because it saves about 50% and you get my budget friendly cookbook signed by me,

• 46:32Caleb Hammer?

  mailed directly to you and that only exists through the end of March and then it's going away forever. Can't be purchased, can't be nothing. It is going away. So check that out. Downalwise.app, get your free trial. All those links are in the description below. And of course you guys get access to that and you get access to our Master Your Money program, which has every class we've done and every class we will do in the future and the community of people that are trying to fix their finances or are making their finances even better. So make sure you guys sign up for it. Or just use those resources. Okay. Okay. All right. Cap, but a one saver card. You guys authorized users of these individual credit cards?

• 47:10Speaker 03

  I'm an authorized user in all of them.

• 47:12Caleb Hammer?

  Oh, you. So he has the credit cards. You became an authorized user?

• 47:15Speaker 04

  Yes.

• 47:15Caleb Hammer?

  Leech. Okay. So.

• 47:17Speaker 04

  I did it to like help out her credit.

• 47:20Caleb Hammer?

  Really? Uh huh.

• 47:22Speaker 04

  So like help out her credit.

• 47:23Caleb Hammer?

  Your credit.

• 47:23Speaker 04

  But I know.

• 47:26Speaker 03

  His credit was. And it helped mine for a while, but I was getting a little.

• 47:30Speaker 04

  Like I was like at a 700.

• 47:32Caleb Hammer?

  Okay.

• 47:33Speaker 04

  Until this year ish.

• 47:35Caleb Hammer?

  Last year?

• 47:36Speaker 04

  Yeah.

• 47:37Caleb Hammer?

  Why? What happened last year?

• 47:39Speaker 04

  Just credit cards and overspending.

• 47:42Caleb Hammer?

  Why? What happened? What you doing?

• 47:45Speaker 04

  Trips.

• 47:47Caleb Hammer?

  What trips? What trips are you doing?

• 47:49Speaker 04

  We like, we like to come to Austin a lot. Um, where else?

• 47:52Speaker 03

  I don't think the trips are the problem.

• 47:54Caleb Hammer?

  That's a road trip. That's not even like a big thing.

• 47:56Speaker 03

  Yeah, but we spend a lot here.

• 47:57Caleb Hammer?

  Why? What are you even spending?

• 47:58Speaker 03

  The food. It's delicious.

• 48:00Caleb Hammer?

  Yeah, we have good food. You live in the middle of a desert.

• 48:03Speaker 03

  Yeah.

• 48:03Speaker 04

  She loves food and to like shop.

• 48:05Speaker 03

  Yeah.

• 48:06Caleb Hammer?

  We have halfway decent shopping, I guess. Compared to El Paso, I'm sure it's great.

• 48:10Speaker 04

  Yeah. But she like, she loves going to like-

• 48:13Caleb Hammer?

  Where are you shopping at? Where are you going?

• 48:14Speaker 04

  Aritzia.

• 48:15Caleb Hammer?

  Huh?

• 48:16Speaker 04

  Aritzia?

• 48:16Speaker 03

  Aritzia? Aritzia?

• 48:19Speaker 04

  What's it called?

• 48:20Speaker 03

  Aritzia.

• 48:21Speaker 04

  Yeah, that, whatever.

• 48:22Caleb Hammer?

  What are you getting?

• 48:23Speaker 03

  Business casual clothes. I'm a realtor.

• 48:26Caleb Hammer?

  Listen, now I know shit's expensive. I just got a bag for Christmas from my girl. What did I get, Lindsay? I got something. What did I get? I got a bag, some kind of bag Chanel. I got a Chanel bag for the girlfriend. What the fuck are women doing? You guys are insane the amount of money you guys spend. What the fuck is happening? I don't, I don't even understand. When I went in there, it was exotic. Languages I didn't even understand.

• 48:50Speaker 03

  Yeah.

• 48:52Caleb Hammer?

  What the fuck is wrong with you? He's making all the money. You want to have a kid. You come to Austin, blow it all in what? Hermes or Hermes?

• 49:00Speaker 06

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

• 49:29Caleb Hammer?

  All that bullshit?

• 49:30Speaker 04

  But then she makes me get great value ice cream. Like-

• 49:35Caleb Hammer?

  Dude, that shit's nasty. I'll be honest. Great value is not good ice cream.

• 49:37Speaker 03

  I don't either. I eat Ben and Jerry's.

• 49:39Caleb Hammer?

  So you make him great value and you eat Ben and Jerry's?

• 49:42Speaker 03

  The fudge popsicles. They taste the same.

• 49:45Caleb Hammer?

  No.

• 49:45Speaker 04

  No, they don't.

• 49:47Speaker 03

  They do.

• 49:48Caleb Hammer?

  You'd think you would know that more than him.

• 49:50Speaker 03

  I don't like the fudge popsicles.

• 49:52Caleb Hammer?

  Okay, so we're spending our shit. Each time you come to Austin, you spend around $2,000? How? How?

• 49:57Speaker 03

  I mean, how? It's so expensive.

• 49:59Caleb Hammer?

  What? What is? What is?

• 50:01Speaker 03

  Airbnbs?

• 50:02Caleb Hammer?

  Girl, we live here. Everyone's shaking their head no in this room. Well, you're choosing Airbnbs that are insane. We had someone that has an Airbnb on the show recently. What did she charge a night by the airport?

• 50:15Speaker 03

  Oh wow.

• 50:16Caleb Hammer?

  Yeah, less than 200. Oh wow. How long are you guys staying? Four bedrooms and a pool. You could get cheaper guaranteed.

• 50:24Speaker 03

  I need that link. I love a pool.

• 50:26Caleb Hammer?

  Yeah, it's called Airbnb.com.

• 50:29Speaker 03

  Oh, the link of that specific one, though.

• 50:30Caleb Hammer?

  No, you just look. Sort by price. What the is wrong with you? How long are you guys staying in Austin? How often? I still don't know how.

• 50:38Speaker 03

  We usually stay for a week. His week off.

• 50:41Caleb Hammer?

  Yeah. What? Every week you have off you come to Austin?

• 50:43Speaker 03

  No, every other week. No, and not, we don't come every time.

• 50:46Caleb Hammer?

  I was gonna say, I've never heard of this. Listen, I, this, the city. Okay, it's fine.

• 50:54Caleb Hammer?

  I just, I've never heard of this.

• 50:56Speaker 03

  We don't come every.

• 50:58Caleb Hammer?

  You also have other ones to choose from. You got Dallas, almost just as close to San Antonio.

• 51:01Speaker 03

  Yeah, but it's not the same. Okay.

• 51:03Caleb Hammer?

  San Antonio is more, you guys.

• 51:05Speaker 03

  But it's more family oriented.

• 51:07Caleb Hammer?

  Yeah, it is. I guess. Yeah, you're right. Austin's little.

• 51:10Speaker 03

  It's like more like, no, we don't even go to the bars.

• 51:13Caleb Hammer?

  What the are you talking about?

• 51:14Speaker 03

  Just like the food, the vibes. You get to walk everywhere. It, everywhere's dog friendly.

• 51:21Caleb Hammer?

  I would assume in Dallas as well. I mean, if you go to the walkable pockets, they're gonna be walkable regardless of where you go, as long as they're walkable pockets.

• 51:28Speaker 03

  I've never been to Dallas.

• 51:29Caleb Hammer?

  You haven't been to Dallas?

• 51:32Caleb Hammer?

  It's too ghetto. Well, it looks too ghetto. Honestly, I checked the crime rap when I was considering moving there. The crime that happens there compared to the crime here is absolutely insane. The crime, the crime that happens in every city compared to Austin is actually kind of crazy. It's kind of crazy, but someone did get killed immediately when the new year happened at our old office.

• 51:52Speaker 03

  That's crazy.

• 51:52Caleb Hammer?

  Wasn't my fault. Okay, so what's going on in this car? Traveling to Austin?

• 51:56Speaker 03

  Yeah, that's our travel car. We usually, that one used to be paid off all the time. So whenever we would travel.

• 52:02Caleb Hammer?

  Now it's over maxed out.

• 52:03Speaker 03

  Yeah. Cause of the phone bill.

• 52:05Caleb Hammer?

  Where else are you guys traveling? Wait, it really is just Austin? Austin, Phoenix. Did you call me?

• 52:12Speaker 03

  Scottsdale.

• 52:13Caleb Hammer?

  Yeah.

• 52:14Speaker 03

  Gangoon.

• 52:17Speaker 03

  What the that mean?

• 52:18Caleb Hammer?

  I just call Cancun, like, like an American.

• 52:21Speaker 03

  Sorry.

• 52:22Caleb Hammer?

  So Arizona. What?

• 52:26Speaker 03

  That's where we go.

• 52:27Caleb Hammer?

  Where?

• 52:28Speaker 03

  Playa del Carmen. It's like the best city in Cancun. They have like a whole street.

• 52:33Caleb Hammer?

  How do you say it in American?

• 52:35Speaker 03

  Playa Carmen.

• 52:36Caleb Hammer?

  Playa Carmen?

• 52:38Speaker 03

  Playa Carmen.

• 52:38Caleb Hammer?

  Nice. There you go.

• 52:40Speaker 03

  Yeah.

• 52:40Caleb Hammer?

  Now I get it. I'll go there. I'll go to Playa Carmen. I'm not gonna go to.

• 52:44Speaker 03

  Cancun?

• 52:45Caleb Hammer?

  No. Come on, I was setting you up to say, uh, Playa Carmen, the Mexican way.

• 52:51Speaker 03

  Oh, Playa del Carmen.

• 52:52Caleb Hammer?

  Yeah.

• 52:54Caleb Hammer?

  Okay, so I guess, well, Arizona's probably just as close, right? Just about?

• 52:59Speaker 04

  It's like six hours.

• 53:00Speaker 03

  It's a little closer.

• 53:01Caleb Hammer?

  Yeah, isn't that crazy? Because that's like a whole other state away. You have to go through New Mexico and everything, yet it's still closer than going to central Texas.

• 53:09Speaker 03

  Yeah.

• 53:10Caleb Hammer?

  Texas is a damn big area. Okay, so let's see what you spent money on, because why the are we spending $682.67 on a car that is over the limit and accruing $97.29 of interest, by the way? Do you, why are we spending on that, huh?

• 53:26Speaker 03

  We didn't spend on it.

• 53:27Caleb Hammer?

  Huh?

• 53:27Speaker 03

  It's the phone bill. It goes in automatically.

• 53:29Caleb Hammer?

  Phone bill is $682.67?

• 53:31Speaker 03

  It's like $370.

• 53:33Caleb Hammer?

  The rest of it.

• 53:34Speaker 03

  I don't know, probably other bills, because we have not touched that card.

• 53:38Caleb Hammer?

  Hey, Chad, how long does this take to pay off if you guys do not purchase this, which you, which you guys are incapable of, and you only make your minimum two payments? How long does it take to pay off?

• 53:46Speaker 04

  Like 20 something years.

• 53:47Caleb Hammer?

  What do you think?

• 53:48Speaker 03

  15 years.

• 53:50Caleb Hammer?

  Okay, 19 years.

• 53:52Speaker 03

  I'm close.

• 53:53Caleb Hammer?

  19 years, your kid will be graduating high school.

• 53:57Speaker 03

  Yeah.

• 53:58Caleb Hammer?

  Yeah.

• 53:59Speaker 03

  Hopefully not. We're gonna get this resolved.

• 54:01Caleb Hammer?

  Hopefully not? What, you want the kid to is you?

• 54:03Speaker 03

  No.

• 54:04Caleb Hammer?

  It's gonna be held back that much?

• 54:06Speaker 03

  No, hopefully, hopefully, we get this paid off way before that.

• 54:10Caleb Hammer?

  I would hope so. Not gonna happen when you're buying games on there, you got your security bill on there, you got your phone bill on there, which, by the way, is $424. What is wrong with you? Use helium. If T-Mobile is good and El Paso, use fucking helium. That's the most insane phone bill I think.

• 54:24Speaker 04

  Verizon because of my job.

• 54:26Caleb Hammer?

  Bill I've ever seen.

• 54:27Speaker 03

  Yeah.

• 54:27Speaker 04

  Because of my job.

• 54:28Caleb Hammer?

  What, what's wrong with your job? They, they make you pay $500, $500 a month?

• 54:33Speaker 03

  He works in the middle of nowhere.

• 54:34Caleb Hammer?

  That doesn't equal Verizon service, $500 a month.

• 54:37Speaker 03

  That's what I told him. I keep telling him, let's go to T-Mobile. He did not listen to me.

• 54:41Caleb Hammer?

  No, no, no. It doesn't matter. If you do Verizon just for the service, it's gonna be like, what? 120, 150 bucks a month? How is this 500 dollars a month?

• 54:49Speaker 03

  The devices.

• 54:50Speaker 04

  Yeah, the devices.

• 54:51Caleb Hammer?

  Well, why are you financing your devices? Huh? Huh?

• 54:58Speaker 03

  Well.

• 54:59Caleb Hammer?

  What devices are you guys possibly financing?

• 55:02Speaker 03

  He got this much. Mine is not new. He has a brand new one.

• 55:05Speaker 04

  I had, I had like, I had like the 16.

• 55:09Speaker 03

  Well, that one, that one was really high.

• 55:11Caleb Hammer?

  On here as well. Stupid, stupid, stupid. On a car that goes above the limit in a cruise interest. Why do you guys want to pay 30% on all these bills you guys have? You have bills that you sign up for and you want to pay 30% more? That's smart. That's great. And then Camino Real Regional.

• 55:26Speaker 03

  What? That hotel?

• 55:27Caleb Hammer?

  Oh my.

• 55:28Speaker 04

  Yeah, that's a hotel.

• 55:29Caleb Hammer?

  Hi, yeah, yeah.

• 55:29Speaker 03

  What's it say?

• 55:30Speaker 04

  What does that say?

• 55:31Caleb Hammer?

  74 dollars, 56 cents.

• 55:33Speaker 03

  74 dollars?

• 55:35Caleb Hammer?

  56 cents.

• 55:37Speaker 03

  No, the water.

• 55:38Speaker 04

  What water?

• 55:39Speaker 03

  A water bill. That's what it's called.

• 55:41Caleb Hammer?

  700 bucks in interest last year. 700 dollars ripped. 700 dollars that you spent on the oil fields. Gone, destroyed, obliterated. At a 28.74% interest rate.

• 55:54Speaker 04

  28? I didn't know that.

• 55:55Speaker 03

  You didn't know you apply for them?

• 55:57Speaker 04

  I didn't know.

• 55:58Speaker 03

  I don't even have a say when you apply.

• 56:01Caleb Hammer?

  What?

• 56:01Speaker 03

  Yeah.

• 56:02Caleb Hammer?

  Well, he doesn't have a say when you go text men behind his back either, so.

• 56:07Speaker 03

  Neither do I.

• 56:08Caleb Hammer?

  He's not texting women. He was on booby cams.

• 56:11Speaker 03

  Um, you could text people there. You can meet up with people there.

• 56:15Caleb Hammer?

  You can meet up?

• 56:16Speaker 03

  Yeah.

• 56:17Caleb Hammer?

  Site?

• 56:17Speaker 03

  Um, basically.

• 56:18Speaker 04

  Not that I know. I just did the chats, like the video.

• 56:21Speaker 03

  Not that he knows of. Did you not read the terms and conditions?

• 56:25Caleb Hammer?

  What websites do you use to meet your prostitute, Brandon?

• 56:28Speaker 03

  Don't, don't give it to us. He does not need that.

• 56:32Caleb Hammer?

  You want to have control?

• 56:34Speaker 04

  No.

• 56:35Speaker 03

  You said no?

• 56:36Speaker 04

  Wait, what? No, yes, yes, I do have control. No, but like, I don't like.

• 56:41Speaker 03

  What?

• 56:41Speaker 04

  I don't know.

• 56:44Caleb Hammer?

  Oh boy, guys. Obviously not credit card people, I'd use the Fizz card. It's a debit card that builds credit. A lot of people out there use it to build their credit and not, if they know they don't have the self-control and clearly you guys don't. Platinum card, what's going on with this? Is that the Greek card?

• 56:59Speaker 03

  Yeah.

• 57:00Caleb Hammer?

  That's her card. What?

• 57:01Speaker 03

  That's not my card, the blue card is my card.

• 57:04Caleb Hammer?

  Oh, we do it based on color?

• 57:05Speaker 03

  Yeah.

• 57:06Caleb Hammer?

  Oh, that's how you know you're in a poor household. Which by the way, you guys make a lot of money, you shouldn't be, but that's how I was raised. The color of a card, that's when you know. Do you have the green card, do you have the blue card? Oh, you guys are broke. You guys are broke!

• 57:20Speaker 03

  I thought we were rich.

• 57:21Caleb Hammer?

  Only you're... And it's also over the limit again. Rich? Two cards over the limit, interesting. $90 minimum to payment, 15 years to pay off. Why are we purchasing again? $783.11 on a card that is accruing interest, $64.75 cents last month. It is above the limit, asshole! $2,608.73. Why the are we purchasing? Huh? I think... I don't know what color this card is! No, this one, this one has been getting better. It's above the limit, dude, are you stupid?

• 57:50Speaker 03

  I think Bill's going to that one too.

• 57:51Caleb Hammer?

  Funny, it's above the limit? What is wrong with you? It's been getting better, it's above the limit! Yeah. You guys just got two brand new dogs?

• 58:00Speaker 03

  Yeah.

• 58:01Caleb Hammer?

  You're trying to have a kid and you just got new dogs and you can't afford to even take care of yourselves and you got things that...

• 58:06Speaker 03

  We have four dogs.

• 58:07Caleb Hammer?

  What?

• 58:09Speaker 03

  Yeah. They're so cute.

• 58:12Caleb Hammer?

  No, they're probably cute, but why the...

• 58:15Speaker 03

  Because we got a house, so I have a backyard.

• 58:17Caleb Hammer?

  Yeah, but he's out in the field all day.

• 58:19Speaker 03

  Well, yeah, but I take care of them.

• 58:21Caleb Hammer?

  Told you it didn't work.

• 58:22Speaker 03

  I do, I try my hardest. I try my best.

• 58:27Caleb Hammer?

  Uh huh. Yeah, no one believes that. No one believes that. You, this is insanity. Oh, they're pugs. Three pugs. Golden retriever. And a gold. Oh my gosh. It's all bullshit. It's all bullshit!

• 58:47Caleb Hammer?

  Standard scores, Jack in the Box, Supplement Express, Cabo Cut, something Smoothie King, Buffalo Wild Wings, Nayak, a vending machine, going in and some bullshit! Smoke Shop, Apple Bill, Apple Bill, All Sup, All Sup, Paramount, All Sup, Experience Credit Score, you're paying for that shit? Fast Track, Apple Bill, Desert, Palo Verde, Apple Bill? Going inside, getting some bullshit, getting some bullshit! Hundreds of dollars in interest, what the [__] are we doing? Pull up your phone, give it to me now, now!

• 59:25Caleb Hammer?

  Give me that shit.

• 59:29Caleb Hammer?

  And you too, by the way, I'm about to do, same thing for you.

• 59:35Caleb Hammer?

  Apple Bill, paying for GPT, you work on the oil field, what are you even using it for, dude? I mean, I like it, I use it, but what the [__] are you using it for? How do I not blow up the oil today?

• 59:45Speaker 04

  Just for fun.

• 59:46Caleb Hammer?

  Duolingo, what are you learning?

• 59:48Speaker 04

  I was learning German for a good minute, but then I just gave up.

• 59:52Caleb Hammer?

  Are they on the move again?

• 59:53Speaker 04

  No. It's just for fun.

• 59:56Speaker 03

  That's what I was wondering.

• 59:58Caleb Hammer?

  Okay, HBO Max, it is, that and Apple TV are like the best

• 1:00:03Caleb Hammer?

  for the premium TV, but you can't, I don't know if you can afford it right now. iCloud Plus, okay, oh, open.

• 1:00:10Speaker 03

  I did open it. You took too long.

• 1:00:16Caleb Hammer?

  How many men are in here?

• 1:00:17Speaker 03

  Lot, but they're realtors.

• 1:00:21Caleb Hammer?

  What?

• 1:00:22Speaker 03

  They're realtors.

• 1:00:23Caleb Hammer?

  Why do you say everything like, when like, nah?

• 1:00:27Speaker 03

  Do I really?

• 1:00:29Caleb Hammer?

  Yes. It doesn't annoy you?

• 1:00:33Caleb Hammer?

  You're used to it?

• 1:00:33Speaker 04

  I don't hear it, yeah, like, I'm used to it.

• 1:00:35Speaker 03

  He doesn't even hear me.

• 1:00:36Caleb Hammer?

  I'm gonna go through your guys' text messages and the post-show, I bet. You guys [__]. Fight.

• 1:00:43Speaker 03

  No, we don't actually.

• 1:00:44Caleb Hammer?

  Peacock, he just said yes, you said no. See, you can't even agree on that.

• 1:00:47Speaker 03

  No. We fight no texts?

• 1:00:49Caleb Hammer?

  Oh, Facetune, I am not surprised. Yeah, you were the most Facetuned. Yeah. Oh, yeah.

• 1:00:56Speaker 03

  Why you have to tell me how fast?

• 1:00:58Caleb Hammer?

  Well, it's there. And you look like the exact person that would use Facetune. Peacock, why the you paying for that? At least he's paying for a good one with HBO.

• 1:01:04Speaker 03

  I watch Real Housewives, hoping to become one one day.

• 1:01:08Caleb Hammer?

  Yes, I'm starting to understand. Canva, Apple Music, that's included with your Verizon plan, but that's only $500 a month.

• 1:01:20Caleb Hammer?

  Colton's telling me you also have an obsession with TJ Maxx.

• 1:01:22Speaker 03

  I do.

• 1:01:24Caleb Hammer?

  Why? It's CJ Maxx. What's so special?

• 1:01:26Speaker 03

  They have something new every day.

• 1:01:28Caleb Hammer?

  Oh, you're keeping the children employed in Vietnam, I guess.

• 1:01:30Speaker 03

  Yep. A job's always good.

• 1:01:34Caleb Hammer?

  Huh?

• 1:01:34Speaker 03

  A job's good.

• 1:01:36Caleb Hammer?

  Clicks over one. $1,682.11. Minimum monthly payment $64, 13 years to pay this off. Interest accruing, purchasing $858. What are we doing? $858 when the interest rate is accruing $44.76 a month? What are you doing, guys? Why are we purchasing on this as well? That last one was all bullshit. Is this one gonna be all bullshit? What's going on with Clicks Over One?

• 1:02:01Speaker 04

  I think it's like, like when one card doesn't have money, we go to the next, and then the next.

• 1:02:07Caleb Hammer?

  The next caller?

• 1:02:08Speaker 04

  Yeah, pretty much.

• 1:02:10Caleb Hammer?

  You guys are not credit card people. Close these. You already have a house. So what do we need credit for? Destroy them, burn them, close them, end them.

• 1:02:15Speaker 04

  And that was the plan before we got the house.

• 1:02:17Caleb Hammer?

  And then? Well, you got a house you couldn't afford?

• 1:02:20Speaker 04

  No, we couldn't afford the house.

• 1:02:21Caleb Hammer?

  Then why? How did that fuck up our plan?

• 1:02:23Speaker 03

  Because, okay, so he tried paying off the credit cards before getting the house. So he got a loan on his 401K. To pay off the credit card?

• 1:02:34Caleb Hammer?

  Which is so stupid because you didn't change your can behave your first, which means you just build up the credit cards again.

• 1:02:40Speaker 03

  Yeah.

• 1:02:41Caleb Hammer?

  Okay.

• 1:02:41Speaker 03

  So now we can't close it, but the plan was to close it.

• 1:02:45Caleb Hammer?

  Well, the credit cards you can still close, but yeah, what happens if you quit your job or if you get fired? What if the industry, oil industry, that's an oil, oil's getting nice and cheap again, supply is flooding the market. Sometimes that mean that means they might slow down so that price can stabilize a bit more so they can make more money, which might mean layoffs? Not with the company I'm working for. There, that company never lays off. It's rare that they do. It's rare. You're right. Honestly, in a lot of companies, it's honestly even like mass layoffs and tech was a bit more rare until this year. Federal government, a little more rare until this year, when the economy changes and oil prices are on the way down, you know? Getting like, what is it like a buck fifty in some places now to for a gallon of gas?

• 1:03:31Caleb Hammer?

  Kind of crazy, or if the economy comes to a big slowdown, which last quarter GDP numbers were good, but.

• 1:03:38Speaker 06

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

• 1:04:07Caleb Hammer?

  People cut back on shit. I'm just saying. You already want to quit anyway. Then all of a sudden your 401k loan comes due. What are you gonna do? I've been paying it like every chick. It comes out of the. Yeah, but it will become due like that. No. Uh huh. Didn't even know that rest, did you? Oh, it's all bullshit. Smoke shop. Who's killing themselves? We both.

• 1:04:26Speaker 03

  Both of us.

• 1:04:27Caleb Hammer?

  Why?

• 1:04:28Speaker 03

  He does nicotine like that kills you bad.

• 1:04:31Caleb Hammer?

  And what do you do, dumb? Weed. What? You think that's as good?

• 1:04:36Speaker 03

  It's a little more natural.

• 1:04:37Caleb Hammer?

  Nicotine is natural.

• 1:04:40Speaker 03

  But they put a lot of shit.

• 1:04:41Caleb Hammer?

  It's a tobacco's natural.

• 1:04:43Speaker 03

  That look like an iPad are natural.

• 1:04:45Caleb Hammer?

  What do you do vape?

• 1:04:46Speaker 03

  Hmm.

• 1:04:49Speaker 03

  Yeah, but it doesn't look like an iPad.

• 1:04:54Speaker 03

  It's extracted from the plant.

• 1:04:57Caleb Hammer?

  Shut up. Just shut up. Okay, smoke shop going in against a bull shot. What are you getting a dollar general for like $4.95 every day?

• 1:05:05Speaker 03

  Probably milk.

• 1:05:07Caleb Hammer?

  Every day you go get a gallon of milk? Oh, no, like.

• 1:05:10Speaker 03

  It's chips.

• 1:05:11Caleb Hammer?

  Munchies.

• 1:05:11Speaker 03

  They're called munchies. You should try them. They sell them at the gas station only.

• 1:05:15Caleb Hammer?

  That's all she eats. Okay, munchies, munchies, munchies. Pest front, of course. Went inside, got some bullshit. All subs. Went inside, got some bullshit. Prop wire, smoke and vape, all subs. Prime Video, Amazon, Prime Video, Microsoft, all subs. What are we doing, guys? This is all bullshit. It's all [bleep] you dumbass bullshit.

• 1:05:38Caleb Hammer?

  Two late fees this year so far.

• 1:05:39Speaker 03

  On the credit cards?

• 1:05:41Caleb Hammer?

  On the credit card. I thought you gave the check to her so she can pay your bills on time and then go spend the money. It goes to... Yeah, like. But interest and late fees on this card. Interest rate almost 30%. Oh, Ashley Home Furniture. I will never buy from Ashley again.

• 1:05:57Speaker 03

  Why?

• 1:05:57Caleb Hammer?

  Horrible experiences. Not great. Kind of shitty products. I like the person who works there that I bought from. Have a good relationship with her, but most because she's relative of someone I know. Either way, regardless, still wouldn't buy from Ashley.

• 1:06:12Caleb Hammer?

  Oh my gosh, you [bleep] owe $5,486.77 with Ashley. At $168.99 a month. What is wrong with you guys?

• 1:06:22Speaker 03

  No interest.

• 1:06:23Caleb Hammer?

  Yeah, until there is, you dumb tit. Takes three years to pay off.

• 1:06:26Speaker 03

  But I'll pay it off by then.

• 1:06:28Caleb Hammer?

  You have to?

• 1:06:29Speaker 03

  Yes.

• 1:06:29Caleb Hammer?

  It's not really an option. What was this for?

• 1:06:32Speaker 03

  Um, our couch and our guest bedroom furniture.

• 1:06:36Caleb Hammer?

  How critical was that? We had to do the guest bedroom furniture? Or else we were gonna die?

• 1:06:41Speaker 03

  I got it half off.

• 1:06:42Caleb Hammer?

  Dude, that's Ashley's thing. It's shit, so they do half off constantly.

• 1:06:46Speaker 03

  No, no, no. I price matched. It was like a thousand something at Ashley and then online, I think it was at...

• 1:06:52Caleb Hammer?

  At Ashley?

• 1:06:54Speaker 03

  No.

• 1:06:54Caleb Hammer?

  Online at Ashley?

• 1:06:55Speaker 03

  No, online on Big Lots, I think.

• 1:06:58Caleb Hammer?

  Big Lots?

• 1:06:59Speaker 03

  Yeah, Big Lots had it online for like half the price, so I got...

• 1:07:02Caleb Hammer?

  If Big Lots even sells it, you shouldn't consider it.

• 1:07:04Speaker 03

  Well, I'm not sleeping on it. It's for guests.

• 1:07:07Caleb Hammer?

  Uh huh, what a host.

• 1:07:09Speaker 03

  Hey, they got a brand new mattress that cools when you're sleeping.

• 1:07:13Caleb Hammer?

  Is that where we want our mattresses from? Cools?

• 1:07:16Speaker 03

  No, no, no. It cools. It's like fresh, cold.

• 1:07:21Speaker 04

  What? Fat people won't be sweating.

• 1:07:23Speaker 03

  Yeah.

• 1:07:24Caleb Hammer?

  You mean it's cold?

• 1:07:25Speaker 03

  Yeah.

• 1:07:25Caleb Hammer?

  Does it have the eight sleep on it? That cools you?

• 1:07:29Speaker 03

  I think so.

• 1:07:30Caleb Hammer?

  No, it doesn't. You spent 10,000 hours on a mattress cover that cools you?

• 1:07:35Speaker 03

  No, it's not a mattress cover.

• 1:07:36Caleb Hammer?

  It's a mattress. Is it the natural cooling bullshit?

• 1:07:39Speaker 03

  Yeah, I think so. I don't know. They sold me on it.

• 1:07:42Caleb Hammer?

  Yeah, no shit.

• 1:07:44Speaker 03

  I got it open box so it could be cheaper. They told me that. They just opened the plastic and then they send it back.

• 1:07:49Caleb Hammer?

  By the way, you're getting a paper statement fee on this every single month. You're literally paying for that instead of just going digital.

• 1:07:54Speaker 03

  Two dollars.

• 1:07:54Caleb Hammer?

  What is wrong with you? Yeah, why, why do that? Just go digital, you dumb.

• 1:07:57Speaker 03

  Finds me. I have too much going on my phone.

• 1:08:00Caleb Hammer?

  No, you know, you don't. You have nothing going on. You're a bullshit fake realtor, kind of. Come, well, come on.

• 1:08:07Speaker 03

  A little bit.

• 1:08:08Caleb Hammer?

  You made less than you'd make working at McDonald's.

• 1:08:12Speaker 03

  But it's a new year, so.

• 1:08:14Caleb Hammer?

  For everyone.

• 1:08:14Speaker 03

  It'll go better this year. Maybe I'll hit six figures.

• 1:08:22Caleb Hammer?

  Uh, oh, collections? Why do we have collections?

• 1:08:24Speaker 03

  That's him.

• 1:08:25Caleb Hammer?

  What, what the is going on, dude? What do you got? Five thousand sixty seven dollars in collections? What?

• 1:08:30Speaker 04

  That was a apartment that I.

• 1:08:33Caleb Hammer?

  What is wrong with you?

• 1:08:34Speaker 04

  It was like during COVID. I got evicted.

• 1:08:36Caleb Hammer?

  So?

• 1:08:37Speaker 04

  I couldn't pay for it.

• 1:08:38Caleb Hammer?

  Why?

• 1:08:39Speaker 04

  I didn't, wasn't making any money.

• 1:08:41Caleb Hammer?

  Why?

• 1:08:42Speaker 04

  I didn't have a job. Well, I didn't have a good job.

• 1:08:44Caleb Hammer?

  Dude, Texas closed for like a month.

• 1:08:46Speaker 03

  That's why I gave him an ultimatum.

• 1:08:49Speaker 03

  Cause he was getting evicted.

• 1:08:50Caleb Hammer?

  It was that job.

• 1:08:51Speaker 03

  Mm hmm.

• 1:08:52Caleb Hammer?

  It's a win-win. You get money and I get money. These are called affiliates and you get that sweet, sweet cash for signing up for some amazing products. The first one is Chime. This is a checking account that I personally use and you get up to a $350 bonus with a new Chime checking account and earn up to 3.5% APY on your savings. And second, my investing app of choice these days is Weebull and get a 2% match on all of your money that you transfer over. And finally, sign up for automated investing with Acorns. Typically, the signup bonus is only five bucks, but with my link, you get $20. Ladies and gents. You get money, I get money. Enjoy. Links are in the description below.

• 1:09:32Caleb Hammer?

  Starbucks is bull and a waste of money and you already know that by making your coffee at home and investing the rest. So now you need to do that with your energy drink as well. Make gamer subs at home for just 40 cents a serving. And honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show, Fat and Fatter.

• 1:09:56Speaker 07

  The number one ranked energy drink is gamer subs. Literally, the cherry flavor is insane.

• 1:10:02Caleb Hammer?

  Listen, you can also get free samples to see if you like it. Or 10% off your order at gamersubs.gg or click that link in the description below. Type in code Caleb. Why didn't you go get a job? We, Texas did not struggle during COVID for like a month or two, maybe.

• 1:10:19Speaker 03

  And then we got checks.

• 1:10:20Caleb Hammer?

  They approved you for a mortgage with this?

• 1:10:22Speaker 03

  Yeah.

• 1:10:24Caleb Hammer?

  You are impressed. Great. Glad they impressed you. Five thousand sixty-seven dollars. What's your plan with this?

• 1:10:31Speaker 04

  Looking the other way.

• 1:10:33Caleb Hammer?

  Well, it's gonna be under credit until 2031 at the earliest.

• 1:10:37Speaker 04

  It's like seven years. So it's like, yeah, 2031.

• 1:10:40Caleb Hammer?

  Yeah, this hit 2022.

• 1:10:42Speaker 04

  And I was trying to like, basically like, I hired somebody for them to like get it, to get rid of it.

• 1:10:50Caleb Hammer?

  Hired somebody?

• 1:10:51Speaker 03

  To dispute it.

• 1:10:52Speaker 04

  Yeah, to dispute it.

• 1:10:53Caleb Hammer?

  Well, why would it be disputed? You didn't pay your rent. They evicted you. You owed this.

• 1:10:58Speaker 04

  Yeah.

• 1:10:59Caleb Hammer?

  So instead of paying something you actually owed contractually, you hired someone to dispute it?

• 1:11:04Speaker 03

  That's what I told them.

• 1:11:06Speaker 04

  And they were doing it. They were gonna do it. They were sending letters.

• 1:11:08Caleb Hammer?

  But there was nothing to dispute. You got evicted fairly.

• 1:11:11Speaker 04

  Yeah, but.

• 1:11:13Caleb Hammer?

  What?

• 1:11:14Speaker 03

  I kept telling him to call him and set up a payment plan and he would never would. He's like, no, it's just gonna go away. He's like, why am I gonna pay that?

• 1:11:22Speaker 04

  It goes away.

• 1:11:23Caleb Hammer?

  To, yeah, to a certain point, but there are, you know, there are legal protections as well. If they ever review it, worth going to court for, they could.

• 1:11:30Speaker 04

  Yeah.

• 1:11:32Caleb Hammer?

  It probably won't.

• 1:11:33Speaker 03

  Yeah.

• 1:11:33Caleb Hammer?

  But they could. But it's been known to happen.

• 1:11:36Speaker 04

  Well, hopefully it doesn't.

• 1:11:38Caleb Hammer?

  I hope they don't. It's been sitting long enough where I don't think they would, but.

• 1:11:43Caleb Hammer?

  We'll see. Okay, here's another loan. What is this? $4,226.62 with a minimum monthly payment of $101.16. What is this?

• 1:11:53Speaker 04

  That's the other 401k loan too.

• 1:11:55Caleb Hammer?

  You have two 401k loans?

• 1:11:56Speaker 04

  I already paid one off earlier this year and then I got a second one.

• 1:12:00Caleb Hammer?

  So this is a 401k loan?

• 1:12:00Speaker 03

  Uh huh.

• 1:12:01Caleb Hammer?

  Yeah. So obviously that is taken before your paycheck hits.

• 1:12:04Speaker 04

  Yeah.

• 1:12:06Caleb Hammer?

  So why'd you get another one?

• 1:12:07Speaker 04

  To pay off the credit card so.

• 1:12:09Caleb Hammer?

  You did it twice?

• 1:12:10Speaker 04

  Yeah.

• 1:12:10Speaker 03

  Yeah, and I didn't find out about the first one until.

• 1:12:12Speaker 04

  Well, the first one, it was because we went to Cancun and she wanted to go shopping and I didn't have the money for it, so.

• 1:12:18Caleb Hammer?

  You took out a 401k loan for shopping in Cancun?

• 1:12:20Speaker 03

  I didn't even know.

• 1:12:21Caleb Hammer?

  What the is wrong with you?

• 1:12:22Speaker 03

  Never been okay with that.

• 1:12:23Caleb Hammer?

  Well, you know why he did it. So he wouldn't go suck [__] behind his back for a paycheck. Cause that's what you're known for.

• 1:12:29Speaker 04

  No, no.

• 1:12:32Speaker 03

  Defend me.

• 1:12:33Caleb Hammer?

  Close.

• 1:12:34Speaker 04

  No, she's not known for that.

• 1:12:36Caleb Hammer?

  Making a guy think like his [__] is gonna get sucked for a paycheck. Yeah.

• 1:12:41Speaker 03

  Yeah, I lie to people. Not that way.

• 1:12:43Caleb Hammer?

  We know, but it's not very hard to see through for you.

• 1:12:47Speaker 03

  Oh.

• 1:12:47Caleb Hammer?

  Dude, that is crazy. What the?

• 1:12:52Caleb Hammer?

  What is this relationship to you? Another sugar daddy? With this one you just bounce on?

• 1:12:56Speaker 03

  No. No, I truly love him. Like, the reason I'm with him is.

• 1:13:00Caleb Hammer?

  He's thinking about a 401k loan so you don't leave him for money.

• 1:13:03Speaker 03

  He did that.

• 1:13:05Caleb Hammer?

  So you don't leave him for money?

• 1:13:07Speaker 03

  But that's his own traumas. He should work on that.

• 1:13:09Caleb Hammer?

  His own traumas? Wait, from you, from your actions?

• 1:13:12Speaker 03

  Yeah, but. He needs to seek therapy.

• 1:13:15Caleb Hammer?

  From your actions a couple of years ago?

• 1:13:18Speaker 03

  Yes. Like, if you chose to forgive me, we chose to move on from it.

• 1:13:24Caleb Hammer?

  Whoa.

• 1:13:25Speaker 03

  And you simply can't.

• 1:13:26Caleb Hammer?

  That is like.

• 1:13:27Speaker 03

  You need to seek therapy to make it better.

• 1:13:30Caleb Hammer?

  Actual victim blaming. Not the bullshit TikTok stuff that you always see that wannabe victims do. That is actual. That is insane.

• 1:13:38Speaker 03

  Why?

• 1:13:39Caleb Hammer?

  What? You did that? And you're saying that he needs to seek therapy?

• 1:13:43Speaker 03

  He did something to me and I seek therapy.

• 1:13:45Caleb Hammer?

  The cam girl?

• 1:13:47Speaker 03

  Yeah.

• 1:13:47Caleb Hammer?

  You seek therapy because he jacked off to a cam girl once?

• 1:13:50Speaker 03

  No, I seek therapy.

• 1:13:51Caleb Hammer?

  Dude, you were literally cheating. Why?

• 1:13:55Speaker 03

  I just seek therapy to be a better person.

• 1:13:58Speaker 04

  Bipolar.

• 1:13:59Caleb Hammer?

  You're gonna need a lot more.

• 1:14:00Speaker 04

  She's psychotic.

• 1:14:03Caleb Hammer?

  Yeah.

• 1:14:05Speaker 03

  What?

• 1:14:06Caleb Hammer?

  Girl, look at yourself. No shit. Watch this episode back.

• 1:14:09Speaker 03

  I'm not psychotic.

• 1:14:13Speaker 04

  What did your therapist tell you? That you have, what do you have?

• 1:14:18Speaker 03

  I get manic episodes from spending.

• 1:14:20Caleb Hammer?

  What? From spending?

• 1:14:22Speaker 03

  Yes. So like-

• 1:14:23Caleb Hammer?

  How do you get from spending?

• 1:14:24Speaker 03

  My manic episode is spending, like splurging. So like, I'll be going through like a manic episode and I just wanna spend money and like, I'll go to TJ Maxx. Yeah.

• 1:14:35Caleb Hammer?

  Is that all they have in El Paso?

• 1:14:36Speaker 03

  Yes, that's the only fun thing unfortunately. The mall is like, well, the good mall is like, what, 30 minutes away from us? So, can't go there.

• 1:14:45Caleb Hammer?

  Why? You live in, well, I go 30 minutes every day to get the fuck worse.

• 1:14:48Speaker 03

  Yeah, but you live in a big city. Like, that's expected.

• 1:14:53Caleb Hammer?

  Is it El Paso considered a city?

• 1:14:54Speaker 03

  It's really small.

• 1:14:56Caleb Hammer?

  It's the fifth largest in Texas, but it's still in like the, in the country. It's still a halfway decent sized city.

• 1:15:01Speaker 03

  Yeah. It's just there's a lot of traffic. That's really what makes the-

• 1:15:05Caleb Hammer?

  Welcome to a city! That's-

• 1:15:09Caleb Hammer?

  Well, okay, you're right. Actually, I do not want you to go to that mall. Why am I trying to?

• 1:15:12Speaker 03

  Exactly. Don't enable me.

• 1:15:14Caleb Hammer?

  Yeah, no. Well, you should have a little bit of self-control.

• 1:15:18Speaker 03

  I don't. I try. I even took-

• 1:15:21Caleb Hammer?

  Try? What try?

• 1:15:23Speaker 03

  I literally took bipolar medication and it helped me. It did.

• 1:15:28Speaker 04

  But then she took it and then she stopped taking it because she saw how good she was doing.

• 1:15:32Speaker 03

  Yeah.

• 1:15:34Speaker 03

  I was doing so good, I thought I didn't need it anymore.

• 1:15:36Caleb Hammer?

  What?

• 1:15:37Speaker 04

  Yeah.

• 1:15:38Speaker 03

  But, let me tell you, I need it. I really need it. Hopefully my doctor doesn't watch this, cuz-

• 1:15:44Caleb Hammer?

  Yeah, why don't you just do what your fucking doctor says?

• 1:15:47Speaker 03

  Well, I, I try. I try my hardest.

• 1:15:50Caleb Hammer?

  You try? You actively chose to stop taking a medication?

• 1:15:53Speaker 03

  I didn't actively choose. I just forgot one day and then I forgot the next day and then I just forgot. And then by the time I remembered, I already forgot three days. So it's basically like restarting the treatment. So like, what's the point?

• 1:16:09Caleb Hammer?

  To get back on the medication. You dumb f- what are you talking about?

• 1:16:13Speaker 03

  I'll work on that.

• 1:16:15Caleb Hammer?

  Don't you just have to take it? Isn't that it?

• 1:16:17Speaker 03

  Yeah, but remembering to take it is hard. It's like two pills.

• 1:16:25Caleb Hammer?

  Do you take anything else?

• 1:16:26Speaker 04

  Weed.

• 1:16:27Speaker 03

  No. No.

• 1:16:29Caleb Hammer?

  Yeah, weed with that medication, by the way.

• 1:16:31Speaker 03

  Yeah, my doctor does not like that. It could cause psychosis.

• 1:16:34Caleb Hammer?

  Yeah.

• 1:16:38Speaker 03

  That's the reason why I don't take it, cuz like, God forbid, I get psychosis one day. That'd be very scary.

• 1:16:46Speaker 04

  One day.

• 1:16:47Speaker 03

  Probably soon.

• 1:16:48Caleb Hammer?

  Okay, so this is the 401k loan, $4,226.62 that you're not taking advantage of growth in the market, of which was an incredible year in the market, by the way. Incredible year. You're paying the interest back to yourself, but it's like, it's stupid, instead of actually gaining the good shit. What are you gonna do when you get pregnant? You're not gonna [BLEEP] smoke?

• 1:17:09Speaker 03

  Yeah. Why wouldn't I? Why would I?

• 1:17:12Speaker 04

  But what?

• 1:17:15Caleb Hammer?

  Stop now if you can.

• 1:17:16Speaker 03

  Okay. I will. I'll do it for you.

• 1:17:20Caleb Hammer?

  Huh?

• 1:17:21Speaker 03

  I'll do it for you, just cuz you asked me to stop.

• 1:17:23Speaker 04

  I've asked you to stop so many times. But you don't listen to me? Yeah, it's like...

• 1:17:29Speaker 03

  He's asked me to stop because he said he sees I do really good. I do really good off of it. Like, I am a...

• 1:17:37Speaker 04

  Because of weed, she weighed like 200 pounds last...

• 1:17:42Speaker 03

  He literally, we came to Austin, and he looked at me and he was like, "Come here, babe. I'm sorry, it just looks like you're in a fat suit right now."

• 1:17:55Speaker 03

  Like, what the [BLEEP]? Of course, I got it together, and now we're here. I still need to lose a little weight, but...

• 1:18:04Speaker 03

  Not a fat suit.

• 1:18:10Caleb Hammer?

  That's all? That's the reason you wanted her to quit? Not her lungs, not her health?

• 1:18:13Speaker 04

  Yeah.

• 1:18:14Speaker 03

  Yeah, cuz I got fat.

• 1:18:16Caleb Hammer?

  Are you still fat?

• 1:18:17Speaker 03

  No, not gonna be. I'm kinda skinny.

• 1:18:19Caleb Hammer?

  He just said it.

• 1:18:20Speaker 03

  I'm not skinny. I'm, I feel like I'm thick.

• 1:18:22Caleb Hammer?

  He thinks you're still fat?

• 1:18:23Speaker 04

  No.

• 1:18:24Speaker 03

  He said, "Eh." You really think I'm fat?

• 1:18:27Speaker 04

  No, no, no.

• 1:18:28Speaker 03

  Let's talk about you.

• 1:18:29Caleb Hammer?

  Give us a twirl.

• 1:18:32Caleb Hammer?

  Thick, thick.

• 1:18:33Speaker 03

  Yeah, I'm thick, not fat.

• 1:18:35Caleb Hammer?

  Curves.

• 1:18:36Speaker 03

  Yes.

• 1:18:36Caleb Hammer?

  It, it, it holds more here than it does in worlds.

• 1:18:39Speaker 03

  Unfortunately.

• 1:18:39Caleb Hammer?

  Which is why I use Facetune, yeah.

• 1:18:40Speaker 03

  Yeah, and even the Facetune does not take off my double chin. You know, show me how to use it, cuz.

• 1:18:46Caleb Hammer?

  I don't know, I don't use it, I embrace.

• 1:18:48Speaker 03

  Well, you know about it, so you must.

• 1:18:50Caleb Hammer?

  You just called him out for being fat? Well, he's not fat.

• 1:18:54Speaker 03

  You can't see them, love handles.

• 1:18:55Caleb Hammer?

  Bruh, he is not fat in any way whatsoever.

• 1:18:59Speaker 03

  He cries his house to sleep every day cuz he's fat.

• 1:19:01Caleb Hammer?

  Adult, no doubt.

• 1:19:03Speaker 03

  Yeah, he literally tells me, "I'm so fat, I can't eat today."

• 1:19:09Caleb Hammer?

  Well, that's likely someone caring about their health, and his fat is not actual fat.

• 1:19:13Speaker 03

  Yeah, he's not fat.

• 1:19:14Caleb Hammer?

  Give us a twirl.

• 1:19:15Speaker 03

  Cuz it's true, come on.

• 1:19:20Caleb Hammer?

  This dude is not fat, what are you talking about?

• 1:19:23Speaker 03

  He's, he's average built.

• 1:19:26Caleb Hammer?

  Sure, yeah, maybe, but he's not fat.

• 1:19:29Speaker 03

  Well, he calls himself fat, I'm just.

• 1:19:31Caleb Hammer?

  Well, yeah, because he probably cares.

• 1:19:33Speaker 03

  Yeah.

• 1:19:33Caleb Hammer?

  Or you just let yourself go. He said it, not me.

• 1:19:37Speaker 03

  I looked great.

• 1:19:38Caleb Hammer?

  When you were fat?

• 1:19:39Speaker 03

  Yeah, I'm still pretty, being fat does not make you ugly. I've seen, I've seen some fat people with beautiful faces.

• 1:19:47Caleb Hammer?

  Fat people usually like age better cuz it's stretches and everything.

• 1:19:50Speaker 03

  They do.

• 1:19:51Caleb Hammer?

  Like face.

• 1:19:52Speaker 03

  I noticed that.

• 1:19:53Caleb Hammer?

  But then they don't make it too as high of an age.

• 1:19:55Speaker 03

  Yeah, cuz of all the house problems.

• 1:19:57Caleb Hammer?

  They do have baby face longer. Okay, house, here we go.

• 1:20:01Speaker 03

  We gotta go to rate, you're gonna be really proud.

• 1:20:03Caleb Hammer?

  It's fine, that's kinda just where rates are, it's about 5%.

• 1:20:06Speaker 03

  They weren't that when we got it.

• 1:20:07Caleb Hammer?

  When'd you get it?

• 1:20:09Speaker 03

  In August.

• 1:20:10Caleb Hammer?

  Yeah.

• 1:20:10Speaker 03

  It was like a six.

• 1:20:11Caleb Hammer?

  Yeah, it's like 5, 6, yeah, did you pay down?

• 1:20:13Speaker 03

  Yeah.

• 1:20:15Caleb Hammer?

  That's not being proud, you paid down the rate.

• 1:20:18Speaker 03

  No, we didn't pay down the rent, sorry. I like my, we paid down payment, yeah, we did pay it down.

• 1:20:22Caleb Hammer?

  What was your down payment?

• 1:20:24Speaker 03

  Like 14,000.

• 1:20:27Caleb Hammer?

  What is that, FHA?

• 1:20:28Speaker 03

  Mm-hmm.

• 1:20:29Caleb Hammer?

  What? Yeah, I'm really proud of that. Okay, it's fine, I guess. Puts you in a precarious situation in a housing market like Texas.

• 1:20:37Speaker 03

  Not the address. How do you not know the address? Be so for real.

• 1:20:42Caleb Hammer?

  Have you ever typed in an address? Yes, I have. You put the zip code first? Yeah, it was an accident, cuz I saw the zip codes there first. What the?

• 1:20:52Caleb Hammer?

  Well, you're a kid.

• 1:20:57Caleb Hammer?

  This is gonna be the dumbest child.

• 1:20:58Speaker 03

  I didn't.

• 1:20:59Caleb Hammer?

  Ever born. No. Yes.

• 1:21:02Speaker 03

  No, I hope not. You think it will?

• 1:21:05Caleb Hammer?

  Where are you guys? You owe $357,494.89 with a 4.875% interest rate at $2,568.28 a month.

• 1:21:17Speaker 03

  It's not coming up. It says we didn't get that.

• 1:21:18Caleb Hammer?

  Huh?

• 1:21:19Speaker 03

  It's not coming up.

• 1:21:20Caleb Hammer?

  What isn't?

• 1:21:20Speaker 03

  Do I tell you the address?

• 1:21:22Caleb Hammer?

  Give it to me. Do we have the link to like something? Maybe?

• 1:21:27Speaker 04

  One eternity later.

• 1:21:29Caleb Hammer?

  No, that's New Mexico.

• 1:21:30Speaker 03

  Yeah, we are in New Mexico, like state line.

• 1:21:33Caleb Hammer?

  It's like.

• 1:21:35Caleb Hammer?

  Oh, wow. You're technically in New Mexico.

• 1:21:39Speaker 03

  Yeah.

• 1:21:39Caleb Hammer?

  New Mexico's a shithole.

• 1:21:41Speaker 03

  Mm hmm.

• 1:21:42Caleb Hammer?

  Like actually.

• 1:21:43Speaker 03

  No, yeah, it is.

• 1:21:45Caleb Hammer?

  You actually have an equity position for what it's worth? This is in the middle of nowhere?

• 1:21:49Speaker 03

  Mm hmm.

• 1:21:49Caleb Hammer?

  It's worth probably about $381,500.

• 1:21:55Caleb Hammer?

  Okay, so a little bit of an equity position, which is better than a lot of people are getting these days. New Mexico, interesting. New Mexico sucks.

• 1:22:02Speaker 03

  It does, but it's, we wanted it to be on the west side and that's the closest to the west side we could get.

• 1:22:08Caleb Hammer?

  Yeah, that's real west side. That's hyper west side. In fact, I would say that's like ultra west side as in across the state line.

• 1:22:18Speaker 03

  Yeah.

• 1:22:19Caleb Hammer?

  Oh my gosh. What are you doing? That's horrendous. Okay.

• 1:22:25Caleb Hammer?

  Oh shit, I thought that was the end of the day. What is this? What is this? Mazda.

• 1:22:31Speaker 03

  It's our negative equity Mazda.

• 1:22:33Caleb Hammer?

  Is this a loan or a lease?

• 1:22:35Speaker 03

  A loan.

• 1:22:35Caleb Hammer?

  What the [bleep]? $780.84] A month?

• 1:22:38Speaker 03

  Mm hmm.

• 1:22:38Caleb Hammer?

  Mazda what?

• 1:22:40Speaker 03

  It's a CX 50.

• 1:22:41Caleb Hammer?

  Why? $41,744. See, listen, you're like, we can't afford our bills. Go get a better job. And then you got a better job and then you made your bills go this.

• 1:22:50Speaker 03

  Well, let me tell you something.

• 1:22:52Caleb Hammer?

  Yeah, tell me something.

• 1:22:54Speaker 03

  I actually have the same exact car, but smaller, same color, everything, just a few miles on it. And then I went and I traded it in because I wanted the newer, bigger version.

• 1:23:07Caleb Hammer?

  What am I supposed to get from that?

• 1:23:09Speaker 03

  That's why I'm making

• 1:23:09Caleb Hammer?

  Okay

• 1:23:10Speaker 03

  Yeah, oh yeah. And then also, we thought we had financed for five years and we actually financed for six years. That's why the payment seemed better in our head at the moment. Cause it was only a hundred dollars above.

• 1:23:22Caleb Hammer?

  Go you owe forty one thousand seven hundred and forty four dollars and eighty five cents. What do you think it's worth?

• 1:23:26Speaker 03

  Like twenty five thousand.

• 1:23:28Caleb Hammer?

  Well, it's valued at twenty thousand one hundred twenty nine dollars.

• 1:23:34Caleb Hammer?

  That's insane. You're underwater by half. What the? It's crazy. Nope. That is absolutely crazy.

• 1:23:41Speaker 03

  Yeah, we want to get rid of it.

• 1:23:42Caleb Hammer?

  Good luck. How? You're underwater by half.

• 1:23:44Speaker 03

  Can we count?

• 1:23:46Caleb Hammer?

  What's the interest rate? What's the interest rate?

• 1:23:49Speaker 03

  I think it's a four.

• 1:23:50Caleb Hammer?

  Four? I hope so.

• 1:23:52Speaker 03

  Yeah, it's a four. It used to be a nine with the other one.

• 1:23:54Caleb Hammer?

  Oh my gosh, your repossession is still on your. But like, that like. But like what? Colton told us about it today. And like, I was surprised because I didn't know I still had it. In your experience, he doesn't have your experience. No, I know, but like, it didn't, it never showed in my, every time I check it or like when. Oh, it's on there right now. Seven thousand five hundred two dollars. It'll probably fall off in the next year or two. Yeah. Finally, is that the end of our debt?

• 1:24:19Speaker 03

  Yes.

• 1:24:19Caleb Hammer?

  Oh, what a mess. God. Oh my goodness. Checking accounts, all bullshit. It started with four thousand two hundred fifty nine. That's great, but ended with eight oh five. It's horrible. Zelling out, zelling out, salad, country club, smoke shop, going into bullshit, getting some bullshit, donuts and hot something, apple cash, ATM, who knows where the that went, vend for Troy, zelling out, bullshit, pet smart, going into bullshit, Smoothie King, Mochi's Mexican, vending machine, vending machine, Chili's, teriyaki, El Coochiville.

• 1:24:53Speaker 03

  Chicoville. It's Coochiville is crazy.

• 1:24:58Caleb Hammer?

  Summaran, pet smart, but it was again, like a dollar. Walmart, it's hard to know with three dollars ninety six cents, probably bullshit, bullshit. Uh, nothing but cake, Chipotle, TJ Maxx, bullshit, bullshit, uh, potential bullshit, Ross's Grande Ice, Grande Ice, Grande Ice, Grande Ice, Grande Ice, Grande Ice. What's that? Two dollars sixty cents every time?

• 1:25:24Caleb Hammer?

  What is wrong with you guys? Sixty-six cents in savings, down from eleven. Well done. Yeah, bullshit, bullshit from pilot, pilot. Bullshit, bullshit. Oh, my gosh, it continues, guys. What are we doing? Zellin. Return payment fee, return payment fee. Club fee, El Paso bullshit, Zellin out, Zellin out. El Paso.

• 1:25:46Speaker 06

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

• 1:26:15Caleb Hammer?

  Or does something, I don't know. And then what is this, ten thousand in the savings?

• 1:26:20Speaker 03

  It used to be, um.

• 1:26:21Caleb Hammer?

  Now, what is it? There's a wind down from eleven thousand five hundred. What is it down from ten?

• 1:26:26Speaker 03

  To four.

• 1:26:27Caleb Hammer?

  Why?

• 1:26:28Speaker 03

  Because we've been using my savings, so we don't have credit card money.

• 1:26:31Caleb Hammer?

  What? You've over maxed out your credit cards. What do you mean?

• 1:26:34Speaker 03

  Yeah, that's why. So now we're using my savings.

• 1:26:36Caleb Hammer?

  See, you guys, my savings. Why do you talk like this? See, you guys are spending more than you make. You can't say that. You pay your bills and then the rest goes to fun? No, you're overspending. Shut, you guys are broken. You've gone from eleven thousand five hundred down to four thousand in a couple of months. You guys are headed down to being completely destroyed. Forty-four thousand in this retirement account, but four thousand of it is on a 401k loan, so about forty. It was thirty? Your savings account was thirty?

• 1:27:03Speaker 03

  Hey, the down payment came out of that, for the house.

• 1:27:05Caleb Hammer?

  Yeah, but that was like twelve.

• 1:27:06Speaker 03

  Only fourteen.

• 1:27:07Caleb Hammer?

  Okay, so half.

• 1:27:10Caleb Hammer?

  So you've lost ten thousand in savings by overspending recently. And look at your bullshit spending. It was thousands upon thousands upon.

• 1:27:17Speaker 03

  Yeah, and that's to pay taxes, so I'm fucked.

• 1:27:19Caleb Hammer?

  Huh?

• 1:27:20Speaker 03

  It's to pay taxes. It's my tax money. It's not even savings.

• 1:27:23Caleb Hammer?

  Oh, you're draining your tax money for bullshit fund spending? Oh, you guys are ruined. Good the fuck luck. Did you guys file jointly or separately?

• 1:27:33Speaker 03

  We still haven't. We haven't filed.

• 1:27:34Caleb Hammer?

  What are you gonna do jointly or separately?

• 1:27:35Speaker 03

  Well, what's recommended?

• 1:27:37Caleb Hammer?

  Might be worth separate. Yeah.

• 1:27:41Caleb Hammer?

  I mean, how do I incorporate your income into the house? How do like, I'll round you guys up to like 8,500 or something as your income. After you set aside money for taxes, I don't even know, maybe 9,000, but let's see, let's see if we can do this. Obviously, we know your mortgage is $2,560.28. Okay, minimum monthly debt payments, $1,241.85. And what's your gas, electric, utilities, all that shit combined, how much? Around 300. Okay, phone bill, what was it again?

• 1:28:15Speaker 03

  370.

• 1:28:16Caleb Hammer?

  No, it wasn't. It was like four.

• 1:28:17Speaker 03

  That was just a one time because he got a new device.

• 1:28:19Caleb Hammer?

  Gas, room from drive, drive, both of you combined?

• 1:28:23Speaker 03

  Gas?

• 1:28:24Caleb Hammer?

  Me, it's like $48 every two weeks.

• 1:28:27Speaker 03

  Mine is like, I want to say 1/5, no, 200 a month.

• 1:28:36Caleb Hammer?

  280 a month, car insurance is all combined?

• 1:28:40Speaker 03

  Hmm, 250.

• 1:28:43Caleb Hammer?

  Food, 600, meal prep, warming up, not going to be exotic, not going to be fun. Use the meal plan that comes in our debt class in the Master Your Money program and use the cookbook, obviously, if you need to. TP fund, anything else needed for survival, there's makeup, toilet paper, anything, tampons, all that good stuff, $150. Medical healthcare, are there copays, monthly basis? No. Nothing at all? No medications?

• 1:29:06Speaker 03

  No, it's free.

• 1:29:08Caleb Hammer?

  Gym?

• 1:29:10Speaker 03

  Um.

• 1:29:11Caleb Hammer?

  $60 a month for both?

• 1:29:12Speaker 03

  Yeah, it's like $60 for both and then I take Legree and that's $200 a month.

• 1:29:19Caleb Hammer?

  That's the fat injection?

• 1:29:21Speaker 03

  No, it's like Pilates, but harder.

• 1:29:24Caleb Hammer?

  So 260 a month? 200, wait, what was there gym? 40? 60?

• 1:29:28Speaker 03

  Yeah, 60.

• 1:29:29Caleb Hammer?

  Okay, so 260. I mean, are you going?

• 1:29:32Speaker 03

  Yeah, every day.

• 1:29:35Speaker 03

  I just started.

• 1:29:37Caleb Hammer?

  Ah, that makes sense. Forty dollars for subscriptions and you have pets. It's gonna be like two hundred dollars for pet insurance because you gotta be able to take care of them if an emergency happens. How much for pet food?

• 1:29:48Speaker 03

  Hmm, I wanna say.

• 1:29:50Caleb Hammer?

  Three hundred?

• 1:29:51Speaker 03

  Like three hundred every month.

• 1:29:52Caleb Hammer?

  Oh.

• 1:29:53Speaker 03

  They all eat different food.

• 1:29:54Caleb Hammer?

  Yeah. Why?

• 1:29:56Speaker 03

  One has medicated food and then the rest are allergic to chicken, but the golden eats big kibble and then.

• 1:30:05Caleb Hammer?

  And then there should be two pugs that are the same at that point.

• 1:30:08Speaker 03

  But there's a pug puppy. So there's puppy food and then there's regular.

• 1:30:12Caleb Hammer?

  You guys have lifestyle inflated the craziest. Then you wanna have kids? Me. Yeah, even with this, man. Listen, even if you don't even have income coming in, you have an extra thousand a month after your necessities. That's it. A thousand. And I hope extra money comes in. Let's say an extra two thousand or an extra thousand comes in on top of that after you set money aside for taxes on average. Like it's gonna be chunks here and there and you're just gonna have to hold over. But you guys gotta budget this like crazy. Your bad debt, the repo car should fall off soon. So I'm gonna delete that and the data, your apartment debt, we'll let that fall off as well. So five fifty nine thousand eight hundred ninety nine dollars of bad debt we have to take care of.

• 1:30:53Caleb Hammer?

  And ninety cents. I had to buy the two thousand. We can put towards that on a monthly average. That still takes two and a half years. But that's fine. That's fine because you're not even thirty yet. You'll just be getting about thirty. Yeah. You you're still a couple of years away at that point and being debt free at the time besides the mortgage is great. And that leads, you're you can have a kid until then as well. You have to budget in a little for that, obviously, but you just gotta bring in more money. Oh shit, you're gonna wanna stay home. Okay, I know, hold off a kid for two and a half years, maybe. You don't have to, but it's gonna slow down things and I wanna set up the kid for the best success.

• 1:31:25Speaker 03

  Okay.

• 1:31:25Caleb Hammer?

  Two and a half years to pay off debt and call it another year to get a fully funded six month emergency fund. Three and a half years, then you're living fifty, thirty, twenty, fifty percent of needs, thirty percent for wants, which will be a lot of money because you guys should be making decent money and twenty percent and thirty percent can go to or twenty percent gets invested.

• 1:31:40Speaker 03

  Okay.

• 1:31:40Caleb Hammer?

  Because you gotta start catching up on your side and you, you know, decent foundation, actually pretty good foundation, but you need to ramp it up. Because in about three years, you should be at a hundred thousand invested. You're not even halfway there yet. So that's where we are. That's what we're doing. That's the game plan. Guys.

• 1:31:54Speaker 04

  Think we can afford a Lexus?

• 1:31:57Caleb Hammer?

  Cause she wants a Lexus. I don't care what she wants.

• 1:32:00Speaker 03

  Yeah.

• 1:32:00Caleb Hammer?

  Dig a hole for yourself in the desert, lay in it, fill it up, and you'll be free.

• 1:32:06Caleb Hammer?

  Listen, we're gonna bring in the friend who applied for them in the post show, and she wants to confront Chad for a bunch of shit. Oh, okay. Drama's gonna be crazy in the post show, guys. Get ready. We're gonna expose some more things between them that we couldn't talk about on the main show for privacy reasons. Join us in the post show. Let's get the Hammer Financial Score spanning within a budget. Yours friends, zero out of 10. Debt, this collection's zero out of 10. Emergency fund? We've drained it to four, four out of 10. Retirement? 401k is gonna bring it down a little because that's called due, then you're gonna have to pay. It gets, but even still with the 40,000 you have outside of that loan. Uh, I will give you a solid, well, yeah, but then it includes your income because we're combined. So it's actually gonna bring it down. I'm gonna give you guys a three out of 10 retirement because you have nothing.

• 1:32:50Caleb Hammer?

  Real estate equity position, good interest rate. Unfortunately, New Mexico, but I won't hold that against you. Okay. Yeah. No. I'll give that a seven out of 10. It would be nice to see a little more equity, but we'll get that in the years to come. Cause after you sell and with all the fees and commission and everything, you'll still just break even today. But Hammer Financial Score.

• 1:33:16Caleb Hammer?

  That is gonna be a, woo, three out of 10. All right. Join us in the post show. Three premium shows posted every single day. Six days a week. It's incredible. Best membership number one on YouTube for a reason. Come join us for an amazing extra 20 minutes. See you there.

• 1:33:31Speaker 03

  He has an issue where people ask him to borrow money and then those same people will go on trips or go out and pop bottles a day before or after he already sent them money. And we're not in a position to send people money.

• 1:33:42Caleb Hammer?

  Wait, you guys are training savings. Why the are you giving people money?

• 1:33:45Speaker 04

  It's family. It's family and friends and I feel bad.

• 1:33:49Caleb Hammer?

  Family, you guys are.

• 1:33:49Speaker 04

  No, I know my like.

• 1:33:51Speaker 03

  Really?

• 1:33:52Speaker 04

  Reason because of all this.

• 1:33:53Speaker 03

  What? Is because of debt?

• 1:33:55Speaker 04

  No, no, because of you.

• 1:33:57Speaker 03

  Because of me?

• 1:33:58Speaker 07

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

• 1:34:16Speaker 01

  Now at Kroger, your points add up to more ways to save every trip. Use them your way to take dollars off groceries at checkout or save at the pump. You can even save up to $35 on your next fill-up. Same points, more choices. And with low prices on fresh, quality food, plus digital and personalized offers tailored to how you shop, your dollar goes further. Redeem your points online or in the app. Kroger: Fresh for Everyone. Restrictions apply. See site or store for details.