The Most INSANE Financial Audit Ever

💰 Download Dollarwise- 6.0 Is Now *LIVE* - Big Deals, New Features, Free Trial: https://bit.ly/46fiDYP *I MADE HIM REDOWNLOAD THE AI GIRLFRIEND* - and oh my goodnesssssss.... I cannot believe these messages he was having with "her". This is some of the most insane sh*t I've ever seen. Watch here: ➡️ https://bit.ly/chpostshow ============================= 👉 Checking & Savings: GGet a $200 bonus and earn 3.75% APY on your Savings with Chime®: https://secure.moneymatchup.com/chime-caleb-website 🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb 🔥 Get Your Own *Hammer Financial Score* → https://bit.ly/3JCuwPS ============================= *Sponsors for This Video* ============================= Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78 ============================= *Education* ============================= 👉 Get access to EVERYTHING I offer all in one place: https://bit.ly/4sUm2pb ⚡️Learn how to budget: https://bit.ly/4sspyGh ⚡️Learn how to invest: https://bit.ly/41mr8OP ⚡️Pay off your debt: https://bit.ly/41mr8OP ============================= *Check Out My Resources* ============================= 👉 Checking & Savings: Get a $200 bonus and earn 3.75% APY on your Savings with Chime®: https://secure.moneymatchup.com/chime-caleb-youtube-disc 👉 Land a high-paying job with no experience or degree: ➡️ https://coursecareers.com/CalebHammer 👉 See if refinancing your high-interest debt saves money. Checking is free. → https://bit.ly/4vLOStU 👉 Get FREE MONEY by investing with Public! secure.moneymatchup.com/public-caleb 👉 Find the best credit cards for you with my quiz! cards.calebhammer.com/yt 👉 Get $20 from Acorns for free: ➡️ https://acorns.com/caleb 👉 First 100,000 Mine (formerly Fizz) sign-ups with code HAMMER10 get $10: https://www.usemine.com/caleb 👉 Helium Mobile: Use promo code CALEB for a FREE plan ➡️ https://hellohelium.com/ 👉 Protect your online privacy and security for free with Aura: ➡️ https://aura.com/hammer ============================= *Chapters* ============================= 00:00 Intro 02:00 Jobs & Income 05:40 Everything Is NOT Okay 07:35 Bros Hiding COLLECTIONS From Her?? 10:33 They / Them Are Kinda Gay Apparently 12:55 Hes Paying For An AI Girlfriend... 17:40 Nothing Of Value Was Said lol 26:20 Ah Yes, The Good Ol' Anime P**n 28:38 They Can't Even Afford Diapers.. 30:30 Brother Is Not Catching A Break lol 31:42 He's Literally Speechless 33:30 Bro Ran Away.. 37:25 Hes Breaking Down In The Green Room 45:45 That's Very Proactive Of Her, Surely It Won't Go Wrong!! 52:00 This Is ACTUALLY A Financial Audit First.. Stolen Valor. 59:00 HE CANT EVEN KEEP THE LIES STRAIGHT 01:08:00 They Only Had $8 In Their CASHAPP Checking Account lol 01:11:00 Weaponized Incompetence. 01:18:49 Collections Left And Right, There's So Many... 01:23:24 Budget!! ============================= Want more content? ============================= 🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips 🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel ============================= *Connect with me!* ============================= TikTok: https://www.tiktok.com/@calebhammercomposer X: https://x.com/sircalebhammer IG: https://www.instagram.com/calebhammercomposer/ Facebook: https://www.facebook.com/calebhammercomposer/ ============================= *Want to be a guest on Financial Audit?* ============================= 👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply *Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. Sponsorship and business inquiries: [email protected] Learn more about your ad choices. Visit megaphone.fm/adchoices

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

• 0:00Speaker 00

  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.

• 0:31Speaker 01

  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.

• 0:59Caleb Hammer?

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

• 1:02Speaker 03

  I had found some information out that he'd been

• 1:05Caleb Hammer?

  More information?

• 1:06Speaker 03

  Paying for an app. It was an AI girlfriend app.

• 1:10Caleb Hammer?

  What the actually happened? How can you like tell me what the happened?

• 1:17Caleb Hammer?

  Okay, wow. Sent a dick emoji to Sarah, who is an AI Sarah. Did you like AI Sarah? Who sent, if you sit on this lap because you don't have another choice. I mean, I'm being told that literally when you guys are chatting about any serious topic, he will not sit next to you out of fear for you seeing his phone.

• 1:38Speaker 03

  I pointed out, and it's just the Yeah, and then shrugs and laughs.

• 1:44Speaker 03

  I was talking to his parents about him sending emails to the VA from when he was in the military.

• 1:51Caleb Hammer?

  What branch?

• 1:52Speaker 03

  He wasn't in it.

• 1:53Caleb Hammer?

  The stories that your friend sent you, you took about your service? She hands you her phone and you refuse to do the same.

• 2:02Caleb Hammer?

  What are you hiding?

• 2:05Caleb Hammer?

  Dollar Wise is finally here, sending waves through the personal finance world. This is officially now the best budgeting app on the market. And I'm giving you a special deal to download. Take a free three day trial to test it out. And then you get the monthly plan at a 33% discount for the first three months, or the annual plan at an insane discount. And most people sign up for the annual version because this saves a lot of money and you get my detailed 30 day meal plan, signed by me, mailed directly to you, plus the digital version of my cookbook for each recipe. Don't miss the opportunity of a lifetime. Download Dollar Wise and start your free trial. Go to dollarwise.com or click the link below.

• 2:38Speaker 03

  Hi, I'm Jade and I'm 30 years old.

• 2:40Speaker 04

  Hi, I'm Bernie. I'm also 30 years old. We live in Southern Indiana.

• 2:44Speaker 03

  And this is Financial Audit.

• 2:47Caleb Hammer?

  Wow, thanks for coming down from the Midwest, y'all. So what do you do for a living? Let's start with you Jade in Southern Indiana. Ain't it's not expensive. That is not an expensive place by any means.

• 2:58Speaker 03

  Yeah, depending on like the area.

• 3:01Caleb Hammer?

  Nope, that is not an expensive place by any means. Compared to anywhere else in the country practically, but.

• 3:07Speaker 03

  Yeah, Louisville is very pricey in comparison, for sure.

• 3:10Caleb Hammer?

  Okay, so it's definitely not expensive. So you should be doing okay if you're making halfway decent money. Let's see, what do you do?

• 3:15Speaker 03

  Uh, I just resigned from my job as a, yeah, I know. It was a field merchandising talent, so I traveled for my job. The hours were not making up for what we needed.

• 3:32Caleb Hammer?

  Isn't that better than zero hours, which is what you do once you resign?

• 3:36Speaker 03

  Yeah, no, I.

• 3:37Caleb Hammer?

  Did you have another job lined up?

• 3:38Speaker 03

  I do, yes.

• 3:39Caleb Hammer?

  Okay, then why don't you tell me that that's what you do for a living instead of what you did? When someone asks me what I do for a living, I say YouTube. I don't say my sales job five years ago, six years ago.

• 3:49Speaker 03

  Yeah.

• 3:50Caleb Hammer?

  So what do you do for a living Jade?

• 3:52Speaker 03

  Uh, I'm going to be starting as a business manager for a local small business company.

• 3:57Caleb Hammer?

  Okay, what is, uh, does that pay much? This small business, I always get a little nerves on that.

• 4:04Speaker 03

  Uh, it's a salary, so it's 700 weekly.

• 4:07Caleb Hammer?

  That's good. Okay, is that your net or is that your gross 700 weekly?

• 4:10Speaker 03

  I'm gonna say safely net.

• 4:14Caleb Hammer?

  That's the safe answer is net?

• 4:16Speaker 03

  I would rather say net than gross.

• 4:18Caleb Hammer?

  You would?

• 4:19Speaker 03

  Would I not?

• 4:21Caleb Hammer?

  That's the safe answer? I don't think that would be the safe answer, but okay, times 52. So you're making $36,400 a year?

• 4:30Caleb Hammer?

  Okay, but in that cheaper area, it's where it can come closer to working. That is still a difficult income, but we're a dual income household. We're married, right?

• 4:38Speaker 04

  Yeah, that's true.

• 4:39Speaker 03

  With a child.

• 4:40Caleb Hammer?

  Very good. Oh, sure. How old's the kid?

• 4:42Speaker 03

  Uh, they're sixteen months.

• 4:44Caleb Hammer?

  How long have we? What's the gender?

• 4:47Speaker 03

  It's a boy.

• 4:47Speaker 04

  Yeah, little boy.

• 4:48Caleb Hammer?

  Okay, okay, okay. Just wanna make sure. You said there. I wanted to make, see if it was transit sixteen months already. Okay, very good. Uh, yeah, I mean, kids are expensive, but again, cheaper cost of living area. How long before we've been married?

• 5:06Speaker 03

  We got married in October.

• 5:08Speaker 04

  Yeah.

• 5:08Speaker 03

  This past October.

• 5:09Caleb Hammer?

  Whoa, so after kiddo?

• 5:11Speaker 03

  Yes. Yeah, we gotten engaged twenty-three.

• 5:16Speaker 04

  Yeah, back in twenty-three.

• 5:18Caleb Hammer?

  And had kid and then got married afterwards? Interesting. I'm a little out of order, but that's okay. What do you do, Bernie?

• 5:25Speaker 04

  Uh, I work as a healthcare professional for people who have-

• 5:29Caleb Hammer?

  Yes, you do.

• 5:30Speaker 04

  Mental or physical disabilities.

• 5:32Caleb Hammer?

  Oh shit, I was gonna say that's why you guys, how you guys make money, but actually maybe not. Um, okay, what's your position?

• 5:39Speaker 04

  Uh, they call it a DSP. It's just I go in home for the client where they'll have a facility.

• 5:44Caleb Hammer?

  Shit. Okay, what do you make?

• 5:46Speaker 04

  Uh, probably around two thousand a month.

• 5:49Caleb Hammer?

  Yeah, that's, that's, that's unfortunately what I was-

• 5:52Speaker 03

  Yeah, it's sixteen hourly.

• 5:53Caleb Hammer?

  Thinking twenty-four thousand dollars a year net.

• 5:58Caleb Hammer?

  Okay, but you combine these, then all of a sudden we're doing okay for your area is the thing. Cause again, that is not an expensive place to live. There can be an expensive like city, like I mean, Bloomington can be a bit more expensive, right? That's what it's called? University of Indiana?

• 6:15Speaker 03

  Bloomington.

• 6:15Caleb Hammer?

  Like it can be a bit more expensive, but even still compared to the majority of the United States, certainly not. Uh, so three thousand thirty-three dollars from you on a monthly basis plus the two. So I mean, you guys are making five, five thousand net. Okay, I mean, with a kid, you know, but good. And we're all combined. Everything's good.

• 6:33Speaker 03

  Nope.

• 6:33Speaker 04

  No, we still-

• 6:34Caleb Hammer?

  Okay.

• 6:34Speaker 04

  Except for finances.

• 6:35Caleb Hammer?

  Well, then how the, we have a kid, we're married, what are we doing? Why?

• 6:39Speaker 04

  I've always been- Kinda iffy about finances.

• 6:44Caleb Hammer?

  Iffy about finances. I don't know what that has to do with you actually joining with your wife. You know, partner for life situation with a kid.

• 6:53Speaker 04

  We've talked about it. I mean, I'm open to it. It's just when we went to join like me sign on for their account. They're like, well, we can't really do that.

• 7:02Speaker 03

  We went to the bank that I have my current checking at and

• 7:07Caleb Hammer?

  Her account?

• 7:07Speaker 03

  Yes. And I wanted to add him as a joint user and they immediately went, oh, we're going to create a new account. They only allowed us to, they, they pretty much only offered a second chance checking where we would have to pay every month.

• 7:20Caleb Hammer?

  What do you mean pay every month? Do you don't have a balance?

• 7:23Speaker 03

  No, because it was poor credit and, and

• 7:25Caleb Hammer?

  For a checking account, okay, go to Chase, go to anywhere. I don't know.

• 7:27Speaker 03

  Uh, I don't even think we have a Chase in our town.

• 7:31Caleb Hammer?

  I would be incredibly surprised.

• 7:33Speaker 03

  Might be one, but I don't remember.

• 7:35Caleb Hammer?

  But even still, you can open up with a different bank. There's different banks everywhere.

• 7:40Speaker 03

  Absolutely.

• 7:42Caleb Hammer?

  I mean, I think that would be a step up. Dude only uses Cash App.

• 7:45Speaker 03

  Correct.

• 7:46Speaker 04

  I mean, it's

• 7:46Caleb Hammer?

  I think it's time to upgrade.

• 7:49Speaker 04

  Yeah.

• 7:49Caleb Hammer?

  I mean, time is great as well. Don't get me wrong. It's certainly better than Cash App, but it's also good to just have just a random, like larger institution just sitting there, just even just sitting there.

• 7:59Speaker 03

  Yeah.

• 7:59Speaker 04

  Yeah.

• 8:01Speaker 03

  Yeah.

• 8:02Caleb Hammer?

  Okay.

• 8:03Speaker 03

  Yeah.

• 8:04Caleb Hammer?

  Oh, I don't know what that means.

• 8:05Speaker 03

  So when we went and they offered us a second chance checking, I was like, that wasn't the intent that we had. We don't want to have to pay to have a bank account.

• 8:13Caleb Hammer?

  I know. So you go to a different bank. That is what adults would do. So congratulations. Keep coming back to the second checking account. Like, okay, you already did that. We, we already know. Very good. Go to a different bank.

• 8:22Speaker 03

  I didn't know about the collections that he had had that he never mentioned up until that point. And I had mentioned

• 8:29Caleb Hammer?

  Why? Why? You got married. You got married. Why aren't you telling her about your finances asshole? That is irresponsible, that is selfish, that is not fair, especially the fucking breed. You're breeded. Get a little bread situation. We're doing that and she doesn't even know what kind of money she's attaching her child to? Come on. Why? Why not inform her before you guys go down this big life adventure together?

• 8:55Speaker 04

  Mostly because I

• 8:59Speaker 04

  Shame mostly.

• 9:00Caleb Hammer?

  Oh, go off. What a bullshit dumb cope ass excuse. You're someone else's life, potentially another with a kid. Shame? You should be ashamed. You hid that from your spouse, your partner. Before making a child in marriage. You should be ashamed. That's what shameful. What? I'm confused. I mean, do we just hide literally everything until after we're married? Is that how marriage works?

• 9:25Speaker 04

  No, not a, not a good marriage. I'd.

• 9:28Caleb Hammer?

  Oh, so we're starting off with a bad marriage?

• 9:30Speaker 04

  I wouldn't say that. Other than.

• 9:33Caleb Hammer?

  Well, you just defined a good marriage is not hiding things. And yet you were hiding that going into marriage and now she's struggling to get accounts connected and whatnot with whatever limited resources you have in your community because of your finances. Who, do we own a house?

• 9:48Speaker 03

  No.

• 9:49Caleb Hammer?

  Okay, do we want to own a house at some point?

• 9:51Speaker 03

  Yes.

• 9:52Caleb Hammer?

  How's that gonna happen with man with completely money? Of what you didn't know about that you were attaching yourself to. The mortgage is only gonna be in her name? That's fair. That's great. That's wonderful.

• 10:04Speaker 04

  No, I would like us both to have a say on the mortgage.

• 10:07Caleb Hammer?

  A say on the mortgage?

• 10:08Speaker 04

  Well, both be on it. I wouldn't want him just to be on one person's shoulders in case something happens.

• 10:13Caleb Hammer?

  Okay, but you lied about your finances getting with her.

• 10:20Caleb Hammer?

  Yeah. Okay, so what was your reaction when you heard this?

• 10:25Speaker 03

  Confused, concerned. I mean, I also have collections. Yes, I'm not gonna lie and say that I don't.

• 10:31Caleb Hammer?

  Were you hiding them from him?

• 10:32Speaker 03

  No.

• 10:32Caleb Hammer?

  So he knew about, you knew about them going into the marriage?

• 10:35Speaker 04

  Yeah.

• 10:36Speaker 03

  I had mentioned.

• 10:37Caleb Hammer?

  But why hide yours? The shame is such a bullshit excuse. Come on. Why were you actually hiding it? Shame, you should be ashamed now.

• 10:43Speaker 04

  Mostly cuz when I was growing up, I always got yelled at.

• 10:48Speaker 00

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

• 11:17Speaker 04

  For everything money wise, um, so I didn't want to start another fight when instead of a fight, I could have had a regular conversation.

• 11:26Caleb Hammer?

  What about fights? She literally tries to sit down with you every two weeks, every two weeks. She said in the pre-interview with Lindsay to talk about finances. What do you mean have a normal conversation? She tries to do on a daily basis. Sorry, every other week, twice a month. So there would be the opportune time, would it not?

• 11:46Speaker 04

  Yeah.

• 11:48Caleb Hammer?

  Oh shit, I apologize. You are male. You're gay. You're gay.

• 11:51Speaker 03

  Legally.

• 11:52Speaker 04

  Legally gay, yeah.

• 11:53Speaker 03

  Legally.

• 11:53Speaker 04

  We're legally gay.

• 11:54Caleb Hammer?

  You mean legally, you switched to male?

• 11:56Speaker 03

  Uh, the gender, yeah. So I had a legal

• 11:58Caleb Hammer?

  That's a guy.

• 11:59Speaker 03

  name and gender marker change. This is before they had released.

• 12:02Caleb Hammer?

  Oh, because X wasn't an option?

• 12:03Speaker 03

  Yeah, X wasn't an option.

• 12:04Caleb Hammer?

  What do I call you? Do I call you X?

• 12:06Speaker 03

  No, no, no, that would.

• 12:07Caleb Hammer?

  Talk to X over there.

• 12:08Speaker 03

  It would be like a non-binary thing. That's, that's kind of the insinuation of X.

• 12:12Caleb Hammer?

  Okay, educate me because I'm just not educated.

• 12:14Speaker 03

  Absolutely. So the, there's a difference between biological sex and then a gender presentation.

• 12:22Caleb Hammer?

  I mean, you're a chick. Biologically.

• 12:24Speaker 03

  Sure.

• 12:24Caleb Hammer?

  Biologically.

• 12:25Speaker 03

  I am female, so I'm AFAB, assigned female at birth. Uh, and then.

• 12:30Caleb Hammer?

  Well, no, no, I mean, you were born with a woman biologically.

• 12:35Speaker 03

  I was born from a woman.

• 12:36Caleb Hammer?

  Because there's a difference, because there's a difference, you said biologically and gender.

• 12:39Speaker 03

  And yeah, so there.

• 12:39Caleb Hammer?

  So biologically, I mean, you're a woman biologically.

• 12:42Speaker 03

  Biologically, I'm a female. That is the more appropriate term.

• 12:45Caleb Hammer?

  Okay, female, fine, fine. I mean, when you start saying female, all of a sudden people call you an incel.

• 12:49Speaker 03

  Well, I mean, when you're speaking about gender, it's man and woman. But when you're speaking about sex, it's female and male.

• 12:55Caleb Hammer?

  Okay, so female scientifically.

• 12:59Speaker 03

  AFAB, yep.

• 13:01Caleb Hammer?

  AFAB?

• 13:01Speaker 03

  AFAB, assigned female at birth. Uh, I am female. I am a woman, or I am male, or I am a man. It's the, I was assigned female at birth, but I now identify as such and such.

• 13:15Caleb Hammer?

  But I thought you said female was sex, but then gender, the thing that is what you're changing and saying is in flux, is the other thing, which would be woman. So it wouldn't be assigned female, would it? It would be assigned woman, or assigned woman, but officially female scientifically, right?

• 13:32Speaker 03

  No.

• 13:32Caleb Hammer?

  Using your logic, right?

• 13:33Speaker 03

  No.

• 13:34Caleb Hammer?

  Right.

• 13:34Speaker 03

  I legally changed it from the letter F, female, to an M, which is male.

• 13:38Caleb Hammer?

  Sex?

• 13:39Speaker 03

  The sex on the driver's.

• 13:40Caleb Hammer?

  Oh, so you can change sex?

• 13:42Speaker 03

  Yeah, you can change the sex.

• 13:43Caleb Hammer?

  Oh, I thought we were saying we couldn't change sex, but we can change gender.

• 13:47Speaker 03

  Technically, both of you undergo surgeries.

• 13:50Speaker 04

  Yeah.

• 13:51Caleb Hammer?

  You were assigned female, you are now male.

• 13:54Speaker 03

  Legally, but I identify as non-binary, so.

• 13:59Caleb Hammer?

  Why'd you go male then?

• 14:00Speaker 03

  There was no X option at the time.

• 14:02Caleb Hammer?

  Well, why go female to male if like you're neither? Why do the change?

• 14:07Speaker 03

  I mean, change is inevitable in everyone. As a human, it's our basic right to be able to.

• 14:11Caleb Hammer?

  Okay, so how do, because I've been calling you her and she.

• 14:15Speaker 03

  Yeah, she and they are fine. Yeah, she and they are fine.

• 14:17Caleb Hammer?

  Oh, so we've gone back more feminine. So where is she again?

• 14:20Speaker 03

  Not inherently, no.

• 14:23Caleb Hammer?

  But I can call you she?

• 14:24Speaker 03

  Absolutely.

• 14:25Caleb Hammer?

  But I will call you whatever.

• 14:27Speaker 03

  Yeah.

• 14:28Caleb Hammer?

  And you want to be called?

• 14:30Speaker 03

  They, she, that does.

• 14:31Caleb Hammer?

  Cool, so we're good with she.

• 14:32Speaker 03

  Fine, yeah, yeah.

• 14:34Caleb Hammer?

  Good. Wanted to establish that. Very good. So you're not gay?

• 14:38Speaker 04

  Other than on paper, no.

• 14:40Speaker 03

  There we go. Good answer.

• 14:42Caleb Hammer?

  Well, actually on paper, right? Because aren't you male?

• 14:45Speaker 03

  Yeah.

• 14:45Caleb Hammer?

  On paper?

• 14:46Speaker 03

  Yeah.

• 14:46Speaker 04

  On paper, yes.

• 14:47Caleb Hammer?

  On paper, you're gay.

• 14:48Speaker 03

  Legally gay.

• 14:49Speaker 04

  Yeah, legally gay, yeah.

• 14:50Caleb Hammer?

  Okay, okay, okay, okay. Just wanted to make sure I understood as I continue.

• 14:55Speaker 03

  Rainbow pen for your shirt.

• 14:57Speaker 04

  We should have.

• 14:57Speaker 03

  People know that you're a little gay on the inside.

• 15:00Caleb Hammer?

  Okay, very good. So, but yeah, she is the mask of the household anyway, because she says that she feels exhausted for wearing the pants in the relationship 70% of the time. So you've taken the, at least OG classic effeminate role of not doing anything in the, taking care of the house in a financial situation. I'm navigating this, okay?

• 15:25Speaker 03

  I mean, it must have been like the 1950s, like.

• 15:28Caleb Hammer?

  Yeah, it's a classic.

• 15:29Speaker 03

  Yeah, yeah, yeah.

• 15:30Caleb Hammer?

  So, okay, she's standing up and taking care of everything, and she's upset that she has to take care of everything. You're not stepping the fuck and being a man.

• 15:38Speaker 04

  Yeah, I mean, I've definitely dropped the reins for sure. I wouldn't say they did everything around the house, but the majority, I'd say, yeah.

• 15:47Caleb Hammer?

  Why? Why aren't you stepping the up in this relationship? She's over here being upset that she can't even have a conversation with you. She tries every two weeks. So how did this every, how does this every two weeks go? You go over there, you go to the dude.

• 16:00Speaker 03

  We gotten married in October, a couple of months before. Uh, I had found some information out that he'd been.

• 16:08Caleb Hammer?

  More information?

• 16:09Speaker 03

  Paying for an app. It was an AI girlfriend app.

• 16:17Caleb Hammer?

  Bro.

• 16:18Speaker 03

  Uh, yeah, he had linked his email to my phone.

• 16:20Caleb Hammer?

  To get more feminism?

• 16:22Speaker 03

  It was for D and D, in his words.

• 16:25Caleb Hammer?

  In his words, yeah. No, you don't get an AI girlfriend for D and D. You, you're not, you're not gonna bullshit me. What? What are you paying AI girlfriend for? No, I have, don't do that now.

• 16:37Speaker 04

  Stop the cap.

• 16:40Caleb Hammer?

  Yeah, you just got married and she found out it was happening. So yeah, just a few months ago. What the was going on?

• 16:46Speaker 03

  So, uh, he linked his email to my phone for like manga or whatever. Do I get read in my downtime while taking care of our newborn?

• 16:55Caleb Hammer?

  Okay.

• 16:55Speaker 03

  Uh, yeah, it, so, uh, that was, you know, the, the early bit of 25. And then this email pops up around our birthday and I'm like, what the hell is this?

• 17:09Caleb Hammer?

  Our birthday?

• 17:10Speaker 03

  Our birthday is like two weeks.

• 17:11Caleb Hammer?

  Yeah. We got our, I thought we were introducing a new pronoun. Okay.

• 17:17Speaker 03

  No, so, uh, I'd seen an email that was like, oh, don't leave your AI girlfriend hanging kinda shit and I didn't wanna say anything through text. I wanted to have a face-to-face conversation. So he gets home and I'm.

• 17:29Caleb Hammer?

  He's not good at those.

• 17:31Speaker 03

  So I was trying to mitigate the emotional state that I was in and the logical and kinda come in between and come from a, like a, a sound ground that I wasn't feeling crazy. Cause I did, I felt insane that that was.

• 17:45Caleb Hammer?

  Well, he has an AI girlfriend, yes. I think you're allowed to feel insane in that situation.

• 17:51Speaker 03

  So when he got home, you know, I. Put our sun down and came downstairs, started cleaning some dishes so I could get dinner started.

• 18:00Caleb Hammer?

  Trash life?

• 18:01Speaker 03

  Trip, pretty much. And checking in like, hey, are you okay? And I was like, not really. I'm, I'm not doing okay. I saw this and I need to talk to you.

• 18:08Caleb Hammer?

  Why'd you wait for him to talk to you? That's a bit weird.

• 18:11Speaker 03

  No, it was just like a mental check in.

• 18:13Caleb Hammer?

  I don't like the, like, the, the, the crankiness, waiting for the, the guy to approach a conversation.

• 18:18Speaker 03

  No, no. So like, it's a, a two-story townhouse. So he.

• 18:22Caleb Hammer?

  You didn't see him all day?

• 18:24Speaker 03

  No, he was at work.

• 18:25Caleb Hammer?

  He arrived upstairs?

• 18:27Speaker 03

  No, he like came downstairs. So like when he came in to the house.

• 18:31Caleb Hammer?

  Okay.

• 18:32Speaker 03

  I was putting our.

• 18:33Caleb Hammer?

  Understand. Okay, I'm following. Keep going.

• 18:35Speaker 03

  You know, I came downstairs and we do the mental check in like, hey, how's your day? How are you doing? And I'm gonna assume that.

• 18:42Caleb Hammer?

  I just call that talking usually, but yeah.

• 18:43Speaker 03

  Yeah, but like, it's a good check in with your spouse to be like, you seem really upset just by like the, the energy that you're giving. And I was kind of, you know, I had some hot coals under my feet, you know? And I was like, I'm not having a, I'm not having a good day. And I saw this and I need to talk to you about it. And I was trying to stay level headed and I got really emotional. I was like, what am I not bringing to the table that you need to seek out an AI girlfriend?

• 19:10Caleb Hammer?

  Ah, jeez. Okay, listen, you're the AI girlfriend. Why, why can't you just conversation? Why can't you just say, yo, what's this? What's going on here, guy?

• 19:20Speaker 03

  Well, yeah, it was pretty much.

• 19:21Caleb Hammer?

  Say, why am I not enough?

• 19:24Speaker 03

  Yeah. Sorry, I'm emotionally insecure sometimes. Therapy helps. I'm learning that, but.

• 19:31Caleb Hammer?

  Women, asterisks, am I right?

• 19:32Speaker 03

  Yeah. The titty mobile. I get it. But it's just, I tried to have a conversation. I got really upset. Cause it was the, oh, it's not you. I love you. And, and I appreciated that. I really did. But it was, I needed to know why you exhausted out. And you're like, it's for D and D. And I felt like that was just a really pop out answer.

• 19:53Caleb Hammer?

  We didn't, it was being paid for, right?

• 19:55Speaker 03

  Yeah.

• 19:55Caleb Hammer?

  Okay, then bullshit. Not for D and D. Dude, you could claw the dick out of some D and D. You could GPT the dick out of some D and D. You could grok the dick out of some D and D.

• 20:05Speaker 03

  Yeah.

• 20:06Caleb Hammer?

  Gemini the dick out of some D and D. Perplexity the dick out of some D and D. AI girlfriend for D and D. Good luck. Come on, you're feeling lonely. You want to fuck, eh? Talk to me, baby. Eh?

• 20:21Speaker 04

  Nah, we were going through a rough time.

• 20:24Caleb Hammer?

  Well, there it is. I don't think you're playing D and D for the rough time. I think you're going through a rough time. Actually say the real answer now for the first time in her life. Yes, go ahead. Say you're having a tough time.

• 20:36Speaker 04

  Because I was making a lot of poor decisions and I just anytime I do something, I'd end up hurting Jade in some way. And instead of talking about it like an adult, I took the

• 20:53Speaker 04

  stupid way out of it. Yeah.

• 20:55Caleb Hammer?

  No, what you just said, said, did he just say anything? That was nothing.

• 20:58Speaker 03

  That was information that I knew.

• 21:01Caleb Hammer?

  That was considered more information. He literally just said nothing. Buddy, what the actually happened? How can you like tell me what the happened?

• 21:16Caleb Hammer?

  Do I need to download a AI Barney to get an answer?

• 21:22Speaker 04

  I'd, I don't have an actual answer for that one.

• 21:24Caleb Hammer?

  What do you mean? You downloaded a app? Why? What were you using it for? Did you want to hear? Wow, you're totally right. Here's an unfiltered goon response.

• 21:36Speaker 04

  No, I was.

• 21:37Caleb Hammer?

  Wow, you're so hot daddy.

• 21:39Speaker 04

  No, I was just

• 21:43Speaker 04

  really just.

• 21:44Caleb Hammer?

  Girlfriend, make me come. Make no mistakes.

• 21:49Speaker 04

  Uh, but yeah, I don't.

• 21:52Caleb Hammer?

  But yeah, no, you didn't say anything yet.

• 21:56Caleb Hammer?

  Say something, please. You're on a podcast.

• 21:59Speaker 04

  Yeah.

• 22:00Caleb Hammer?

  Why the did you download this app?

• 22:02Speaker 04

  Because I was stupid and what shouldn't have been done in the first place.

• 22:06Caleb Hammer?

  No, no, no. Why did you download it? Not because I was stupid. What was the action?

• 22:09Speaker 04

  To see what it was about.

• 22:10Caleb Hammer?

  There you go. There's an answer. Okay. You were curious to figure out what it was about. Now, what made you so curious to explore girlfriend of the AI form instead of girlfriend, girlfriend? Why, why were you curious to learn about this? Enough to pay for it?

• 22:26Speaker 03

  I want to branch out and just say it might be because we maybe were having every other month, if that. I'm, I'm a hundred percent sure in the first nine years. There are toys for that.

• 22:40Caleb Hammer?

  You can try.

• 22:41Speaker 04

  Good.

• 22:42Speaker 03

  That port's a little small, I'll be honest, though.

• 22:44Caleb Hammer?

  Uh huh.

• 22:45Speaker 03

  Yeah.

• 22:45Caleb Hammer?

  Grippy.

• 22:46Speaker 04

  Yeah, we had to buy a new phone after that.

• 22:47Caleb Hammer?

  Okay, so we're diddling once every other month.

• 22:50Speaker 03

  If that, yeah.

• 22:50Caleb Hammer?

  I mean, just, I mean, kid, hectic.

• 22:53Speaker 03

  Stress, yeah.

• 22:55Caleb Hammer?

  I get it, stress. I mean, I can see it on your neck right now. You're stressed.

• 22:59Speaker 03

  Yeah.

• 22:59Caleb Hammer?

  And you're blushing.

• 23:00Speaker 03

  Irish, yeah.

• 23:02Caleb Hammer?

  Does that happen to every Irish person?

• 23:04Speaker 03

  Uh, yeah.

• 23:04Caleb Hammer?

  Okay, so, okay, how about that? That's an actual answer. Why can't she say that? You were primed. Were you primed? You weren't coming. Your balls were loaded up.

• 23:12Speaker 04

  Yeah.

• 23:13Caleb Hammer?

  Okay. Wow, yes, I understand why this is the more information than you've ever gotten, because I don't think he can uh, actually answer questions. Drowning in student loans with massive interest rates? I see it on the show all the time. People get a loan to advance their careers only to be left with sky-high interest rates and crazy minimums that leave their paycheck gutted. Maybe you've already gone to a normal lender to try to refinance your private student loans, and they looked at your less-than-perfect credit score and hung up the phone. Maybe part of you even thought, "Yeah, that tracks. I guess I'm stuck. Stop it." You don't deserve to be buried in a high-interest loan for the rest of your life because you hit a rough patch. The banks aren't rejecting you because you're a lost cause. They're rejecting you because you're not profitable enough for them at a manageable rate. That's where YRefi comes in.

• 23:57Caleb Hammer?

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

• 24:42Caleb Hammer?

  You suck with money, so you download a budgeting app. You start with the classic one, YNAB, but everyone just deletes it because it's Way too complicated to use. So you go to EveryDollar. That's Dave Ramsey, the personal finance guy, right? Well, they're gonna force you to use it his way. That's not very personal finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end? Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like Dollar Wise. Built by these people just like you for people just like you. No private equity, no gimmicks, just the best budgeting app there is.

• 25:26Caleb Hammer?

  Download it now and start the free trial. Dollarwise.com, link in the description below.

• 25:31Speaker 03

  So it sounds like the original reason for my insecurities were true, that you did, you were seeking more intimacy and that was just hard to say.

• 25:42Caleb Hammer?

  And to be very clear, until this very exact moment, his reasoning was still D and D.

• 25:47Speaker 03

  Yeah.

• 25:48Caleb Hammer?

  Okay, why I? Listen, hey, baby was born 16 months ago. You guys have had 12 times sense. Reasonable to say I am struggling with that. That is not an unreasonable thing. It doesn't mean pressuring the partner, but that is not an unreasonable thing to be having issues with. Why hold the lie of it was for D and D until right now? And you know how I know it was a lie? Because she confronted you, you immediately deleted it, and then you downloaded Emoche the next day. And of-

• 26:17Speaker 05

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

• 26:46Caleb Hammer?

  Other AI relationship app that you paid for the next day after she called you out. Did you know that?

• 26:55Speaker 03

  I didn't know there was a second AI app. I know about the Anochi one because I saw the subscription and then the add-on to his Play Store account. Because again, the email was connected to the phone and I wanted to understand-

• 27:09Caleb Hammer?

  Bro.

• 27:09Speaker 03

  -when the app was downloaded.

• 27:11Caleb Hammer?

  A new generation begins. Evolved.

• 27:16Caleb Hammer?

  Not just replaced. Incredible. Always on. Get the latest features and functionality. Well, that's John from your girlfriend. Latest features and functionality. Interactive video stories, endless choices. Make decisions for her.

• 27:30Speaker 03

  Like, I can understand that my, the medications that I was on at the time, trying to guinea pig that shit.

• 27:38Caleb Hammer?

  I get it. I get it. And he can struggle with that. Give him permission to go fucking someone else or something. That's fine. No, I wouldn't want to do that.

• 27:46Speaker 03

  Yeah. We've had that talk.

• 27:48Caleb Hammer?

  And?

• 27:48Speaker 03

  Uh, I was previously in a poly relationship and did not-

• 27:51Caleb Hammer?

  We don't have to be poly.

• 27:52Speaker 03

  Right, even open.

• 27:54Caleb Hammer?

  Be open. Poly involves emotions. That's where it can get fucked.

• 27:56Speaker 03

  Yeah.

• 27:57Caleb Hammer?

  But still, if you ain't, dude does gotta, you gotta kind of figure out your situation.

• 28:01Speaker 03

  And how often are people safely, like, having sex with others without getting confirmed tests and showing the results?

• 28:08Caleb Hammer?

  Well, make sure you get them tested and show results.

• 28:12Speaker 03

  Hmm, and when I offered an ultimatum before we got married and said-

• 28:17Caleb Hammer?

  What was it?

• 28:17Speaker 03

  No lying.

• 28:19Caleb Hammer?

  Well, yeah. I agree with that.

• 28:21Speaker 03

  That we don't have-

• 28:22Caleb Hammer?

  Well, he was lying in every way whatsoever. He was lying until this exact moment that he was using it for D and D.

• 28:26Speaker 03

  And go to therapy. And most of it still has not happened, if not continuously.

• 28:32Caleb Hammer?

  You haven't done anything? No. You made a child with her. You're not even following the therapy? You're not even following the... Okay, wow. Zewven sent a dick emoji to Sarah, uh, who is an AI Sarah. Did you like AI Sarah? Uh, who sent, "If you sit on this lap because you don't have another choice."

• 28:55Caleb Hammer?

  A little depressing.

• 28:56Speaker 03

  What?

• 28:57Caleb Hammer?

  I mean, yeah, I guess she doesn't have a choice. She's AI. Can you video chat with these people? I don't know. I never did.

• 29:04Speaker 03

  Oh, I'm sorry. What did you just say?

• 29:07Caleb Hammer?

  I'm just exploring emoji.

• 29:09Speaker 03

  Okay. I thought you were saying there was, like, messages between Bernie and someone else.

• 29:13Caleb Hammer?

  I'm not in Bernie's account. I don't know what's happening, but honestly, wouldn't be surprised. Hey, well, yeah, I mean, honestly, buddy, I mean, the pipes being backed up, that is an actual, that can be an issue. How are you dealing with that?

• 29:27Caleb Hammer?

  I mean, why won't you let her see inside your account? That is a concern.

• 29:31Speaker 04

  I thought I was still, they still had access to my

• 29:36Speaker 04

  Google.

• 29:37Speaker 03

  No, I told you the day that we had talked about you deleting the apps, that I deleted the email as well. And then I saw that you had paid for that add-on or whatever, the Enochi. And I asked you what the hell it was. And you're like, oh, it's some just like pet feeding game or something like that. And I was like, hearing that it's a

• 30:02Speaker 03

  what was that like? Soft

• 30:05Speaker 03

  Ichy anime, pretty much.

• 30:06Caleb Hammer?

  Huh?

• 30:07Speaker 03

  Ichy anime.

• 30:07Caleb Hammer?

  I don't know. I don't know what this is.

• 30:09Speaker 03

  Like panty shots, not full like

• 30:12Caleb Hammer?

  You come to panties?

• 30:13Speaker 03

  No, what I'm saying is hentai, full nudity, straight broad. And then there's soft which is Ichy anime or Echi anime, depending on, yeah, it's just a thing.

• 30:23Caleb Hammer?

  Bro, I don't know. I'm not like you guys. I just, I watch two people or I

• 30:29Caleb Hammer?

  I keep it simple. Okay?

• 30:31Speaker 03

  Wait, you have a cock chair?

• 30:32Caleb Hammer?

  Ah, I'm not but I

• 30:34Speaker 03

  Oh, okay. I was curious, man.

• 30:36Caleb Hammer?

  Very good. No.

• 30:37Speaker 04

  I mean, that's something for everybody, I guess.

• 30:39Speaker 03

  Yeah, yeah. Everybody's got their flavor.

• 30:41Caleb Hammer?

  I watch people have sex in porn or I go it's as easy as that. I don't know what, what, what? You're against him watching porn?

• 30:47Speaker 03

  No, absolutely not.

• 30:49Caleb Hammer?

  Oh, then what's the problem?

• 30:50Speaker 03

  We literally have like DVDs that we could

• 30:53Caleb Hammer?

  That's weird.

• 30:54Speaker 03

  Well, I used to work in an adult store, so sometimes just collect.

• 30:57Caleb Hammer?

  Online. Okay, dude. Okay. What was my question that nobody answered? Uh, I think it was, so what are you doing? You're backed up. What's the solution here other than lying? Cause that can't be the solution. Listen, I think open is something that is halfway decent. That I believe when surveyed, if I'm not mistaken, 99% of people said they would actually be open to. They're just not willing to discuss with their partner. But the thing is, and if she's not down for her, then you can't. And that would be cheating then. So we're not talking about that. Okay, she's down for porn. But you're kind of meeting in the middle. You're talking to AI. And you won't let her in your account to see? If you downloaded it and logged back in, she could see. Why wouldn't you do that for her?

• 31:44Speaker 04

  I'm not, I would pull it now. I don't have any on my phone.

• 31:47Caleb Hammer?

  I said if you downloaded it and logged back in, she could see.

• 31:52Caleb Hammer?

  Why not do that for her? I mean, you said you were using it for [BLEEP] D and D.

• 31:57Speaker 03

  I don't even get to look at his bank accounts.

• 31:59Caleb Hammer?

  Well, okay, so he hides [BLEEP] stuff and AI [BLEEP] stuff from you. Okay, now he hides finances as well. What does he hide there? Or at least of what you even think?

• 32:09Speaker 03

  Uh, I think one of the last times that we had done a budget talk, I had saw on his phone that he'd paid 20 bucks for a game on Nintendo. Uh, and I did overreact. I'm gonna be honest, I did.

• 32:23Caleb Hammer?

  I mean, that alone, within, like, just a closed ecosystem, whatever, is not the end of the world. But I understand if it is just endlessly hiding purchases from each other when we're trying to make the household better, yeah, that would be [BLEEP] you overreacted. Why?

• 32:38Speaker 03

  Uh, I blew up. I was like, why the [BLEEP] are we spending $20 Nintendo when we can't even, oh, I don't know, put gas in the car? Or get our kid diapers?

• 32:48Caleb Hammer?

  Uh, oh, come on. If we can't afford [BLEEP] diapers, why are you buying video games, asshole? AI girlfriends and video games? What the [BLEEP] are we doing?

• 32:55Speaker 04

  Obviously messing my life up.

• 32:59Caleb Hammer?

  That's not an answer, guy. That's a [BLEEP] bullshit answer. Can you answer a question? Give me an actual reason. You purchased Nintendo instead of putting diapers on the kid? Gas in the car? Why?

• 33:14Speaker 04

  Oh, I hadn't done anything for myself recently. I figured it'd be okay to spend $20 on a Nintendo game and play it for a little bit.

• 33:24Caleb Hammer?

  And that's more important than the kid?

• 33:25Speaker 04

  I never said that. Nothing's more important than a kid.

• 33:27Caleb Hammer?

  You did say it through your actions. If we're struggling to get diapers, which I don't know why we would in southern Indiana with 5,000 hours a month, where we're struggling to get diapers, by the way, but even still, well, I guess you wouldn't have much insight. I mean, I'm being told that literally when you guys are chatting about any serious topic, he will not sit next to you out of fear for you seeing his phone.

• 33:46Speaker 03

  Yes.

• 33:47Caleb Hammer?

  Buddy, I mean, I couldn't stay with someone like that. I mean, that, that is egregious.

• 33:52Speaker 03

  I pointed out, and it's just the, haha, yeah, and then shrugs and laughs.

• 33:58Caleb Hammer?

  So you can't even handle the conversations with her either?

• 34:02Speaker 03

  This is why honesty and going to therapy regularly.

• 34:07Caleb Hammer?

  Maybe, depends what kind of therapy. You might get enablement therapy.

• 34:11Speaker 03

  Well, he went to two sessions and then never went back.

• 34:14Caleb Hammer?

  Okay, so that was another ultimatum she gave you. Hey, what's the point of giving ultimatums if you don't follow through with them?

• 34:19Speaker 03

  Right. And so after the beginning of the year, I had a, I circled back around. I was like, hey, how are we doing? How's the therapy? He said, well, I haven't been back because, you know, it was a religious facility that was offering it at like a more discounted price for low income families. Understandable. We appreciate it because he didn't have his insurance at the time. So now that he's finally been there over a year, he gets the insurance. And I go to his doctor's appointment with him because, you know, it was an off day and we just went together because it's easier.

• 34:48Caleb Hammer?

  Okay, just one time.

• 34:49Speaker 03

  Yeah, yeah.

• 34:49Caleb Hammer?

  I thought you meant in general, you have to go to his doctor's appointment.

• 34:51Speaker 03

  No, we, we had done some shopping at Costco and then.

• 34:54Caleb Hammer?

  Oh, I got you.

• 34:55Speaker 03

  Yeah, went to his doctor's appointment together. So, um, he had said that he was going to make sure that he get an email or a call with information. Uh, it was also on like the, oh, this was your visit information packet that they give after the visit. Uh, with the number and the email and all that stuff to reach out to the resource. Still, still, this was, uh, mid-January, beginning of February. I have been following up pretty regularly. When's your therapy appointment? When you got that scheduled? Oh, it's, I got a writ. Nothing. I have not had a firm date.

• 35:27Caleb Hammer?

  Anything to say for yourself?

• 35:39Speaker 04

  I need a second.

• 35:41Caleb Hammer?

  This is pathetic, buddy. You gonna run away from this conversation like you run away from every conversation you have with her? You haven't said anything. I feel horrible for her right now. I don't know if you're objectively a bad guy, but I think you might be bad in relationships. Listen, she hands you her phone and you refuse to do the same. What are you hiding?

• 36:07Speaker 04

  I've just, whenever I do something for my own purchases, I, I know I'm bad with money and I.

• 36:19Speaker 04

  Shame.

• 36:22Caleb Hammer?

  Oh, shut the f- What? That's the biggest bullshit I've ever heard in my f- -king life. What the fuck response is that? Shame. Shame. What, what are you even? How do you feel hearing this?

• 36:40Speaker 03

  I, I wanna be understanding, but it's also-

• 36:43Caleb Hammer?

  No, no, that's enablement.

• 36:44Speaker 03

  It is disappointing. Like, I, I get it. It sucks. Money is hard. I'm not good with money. I have had to learn this all on my f- -king own.

• 36:52Caleb Hammer?

  Are you guys a couple or not? Are you guys married or not? I don't care if something's hard. You have to work together.

• 36:57Speaker 03

  I want him to change. I cannot force him to change.

• 37:00Caleb Hammer?

  No, but you can leave. And it might be better for your f- -king that you do.

• 37:08Caleb Hammer?

  Six seconds.

• 37:11Caleb Hammer?

  Why is he struggling? Nothing has happened. Nothing has happened yet. Bro has said five words. Why is he struggling?

• 37:18Speaker 03

  I wanna answer for him, but I know I can't.

• 37:21Caleb Hammer?

  You can't? Why?

• 37:23Speaker 03

  He's his own person.

• 37:24Caleb Hammer?

  Oh, for f- -off. Come on, do you know him or not?

• 37:26Speaker 03

  I do, and I-

• 37:27Caleb Hammer?

  Some of this weird boundary shit that's not even real. Shut the f- -up. Yeah. No, what is going on? Is he, he's, he's, he never faced the consequences of his life for anything? Any responsibility? Any growing the f- -up? Cause the moment he's confronted one time, he breaks the f- -down, can't handle it, as he actively traveled across the country for a show that he's seen, a show that he's a fan of, a show that he got on board for, and he can't even handle it, 36 minutes in? Something that he's been expecting for at least, you, what have you had? A couple of weeks buildup coming on here? A week, maybe?

• 37:59Speaker 03

  Yeah, the end of February.

• 38:00Caleb Hammer?

  End of February to come on Financial Oddity. He's had all this. 36 minutes into the conversation, he said like 10 words and he can't handle a little bit of pushback? That he knew was coming? He's a coward. Are you gonna deal with this for the rest of your life?

• 38:15Speaker 03

  No.

• 38:16Caleb Hammer?

  I think you might, cause it sounds like, "I've tried to be understanding." No, you enable. And you're gonna f- -your entire life and your kid's life because of it. Not saying he's objectively a bad person, I cannot assign that to him, but it might not be good for the relationship.

• 38:30Speaker 03

  Good people do bad things a lot. I can agree with that.

• 38:33Caleb Hammer?

  Yeah, but he also won't change anything.

• 38:36Speaker 03

  Yeah.

• 38:36Caleb Hammer?

  Anything!

• 38:38Speaker 03

  And that's why I gave him, you know, months before the wedding. I'm like, I-

• 38:44Speaker 03

  Either you do these things to make the change, or the marriage is off. I cannot financially and as a parent put-

• 38:53Caleb Hammer?

  Here, the marriage is done. Now what? Okay, okay, fine. When's the timeline? When's the, if nothing changes, I'm out. Okay, we're being told he's crying, according to Brandon, which, I mean, okay, like, I'm sure, huh?

• 39:09Speaker 03

  That's rare.

• 39:09Caleb Hammer?

  Whoa, what the [bleep]? So someone called him on a shit for the first time in his life? Has anyone ever been around to call him on a shit?

• 39:16Speaker 03

  Uh, everybody's too scared to.

• 39:17Caleb Hammer?

  What, too scared to what? He's a [bleep], what's he gonna do?

• 39:20Speaker 03

  Uh, I know that he, he seems intimidating to a lot of people. And I know that, right?

• 39:25Caleb Hammer?

  Does he? He has like a gay tattoo, I don't know.

• 39:29Speaker 03

  What? I'm not intimidated by him, but- Right, and like, when I first met him, I wasn't- Uh, it, so you know how, like, some dudes do the, the puff the chest? They make, yeah, that's, I see it a lot, and I know that's him putting the wall up. I can see it, I can feel it. It's the, the emotional barrier, like the bubble. I don't know.

• 39:49Caleb Hammer?

  My goodness, you guys just surround yourself with [bleep]? I'm a fat [bleep]. I can probably barely sprint across the room, but I am the least intimidated by him than anyone I've ever met. Plus, it'd help that our security guard would just shoot him in the face if he tried something, but-

• 40:03Speaker 03

  Oh, lovely.

• 40:05Caleb Hammer?

  But, I mean, he won it anyways. So no one's ever [bleep] stood up and called him on a shit in his entire life? In the moment it happens, he breaks down in tears? No, again, I am very confused. He knows what show he's on.

• 40:16Speaker 03

  Yeah.

• 40:16Caleb Hammer?

  You guys have applied to be on the show that you both watch.

• 40:19Speaker 03

  Yeah, he's the one who got me into your show.

• 40:23Caleb Hammer?

  What's the confusion here? How is he surprised? How is he breaking down right now? I don't want to make someone cry.

• 40:28Speaker 03

  Right.

• 40:28Caleb Hammer?

  I'm also, I'm not gonna bullshit someone. If he's hiding the AI girlfriend and he lied until the exact moment of this show where he finally admitted why he had it, if he's hiding his finances, he won't let you look at his phone, what else am I supposed to say? Am I supposed to tell him, no, that's okay? Because everyone else in his life has told him that's okay? Didn't he expect anything different from me? He had to have expressed, expected I would call him on that, right?

• 40:49Speaker 03

  I mean, it's, it was kind of like a set expectation that, like, there is clarity, there needs to have that objective thing. I think sometimes it can catch someone off guard, absolutely, but it is needed.

• 41:00Caleb Hammer?

  Lindsay thinks he might be freaking out because he knows we haven't even scratched the surface of this conversation.

• 41:03Speaker 03

  Oh, lovely.

• 41:05Caleb Hammer?

  Okay, we'll take a break. Get him back on. Okay, so we're in the middle of financial audit right now, as you guys see. This is the head of financial audit. We're currently in a break situation because the dude that is the fan of the show that got his wife on the show, I called him on his shit. Barely, I barely even touched the surface. And he walked out of the room with Brandon and started bawling. I don't know what to do.

• 41:32Speaker 04

  What did he do, Brandon? He hit a pose in there? Brandon, he's good. He was hitting on the couch and he hit one of these. And then you could see tears.

• 41:40Caleb Hammer?

  Well, hopefully he's not having like a panic attack, but I guess like no one's ever called him on his shit in his life. And I barely did. I'm sticking up for her. I'm sticking up for her because I feel bad for her. I do not know how to navigate this conversation with a guy that is likely to problem the relationship for the sake of her if I cannot call him on his shit for him to change it because no one else has in his life. It'll be interesting. So we'll see.

• 42:04Speaker 06

  Do y'all need a couple more minutes? Okay, alright, we'll be back.

• 42:11Speaker 06

  This has never happened before.

• 42:15Caleb Hammer?

  Hyperventilating?

• 42:16Speaker 06

  No, like, I legitimately don't think he's ever been called on his shit because she does not call him on his shit.

• 42:24Speaker 06

  Because all of these things happen, all of, you guys don't even know yet what, there's two more things that we haven't talked about. The AI girlfriend was like the least of it.

• 42:34Caleb Hammer?

  Oh my goodness, and I don't even know.

• 42:35Speaker 06

  He doesn't know. It's, he's never been called on this and that's why he's freaking out, in my opinion. Alright, I think we're gonna try one more time. Um, Brandon, you're gonna come with me.

• 42:47Speaker 04

  Let's do it. How we doin'? How we feelin'?

• 42:56Speaker 04

  Better than weeks ago.

• 42:58Speaker 06

  Okay, good. Improvement is improvement.

• 43:02Speaker 04

  Yeah.

• 43:03Speaker 06

  So.

• 43:04Speaker 04

  I was just having a hard time because he was calling things out and, uh... Yeah, well, so what I did feel was shame, but it's getting cold and that stupid reason for feeling something, my body's just like, alright, we're gonna go ahead and shut down for a second.

• 43:22Speaker 03

  Right, right. The valid response is it's claiming up, you know? It's hard to let it flow, work through the emotions.

• 43:32Speaker 04

  Yeah.

• 43:33Speaker 03

  I mean, trying to be as understanding as I can, because I can't feel your feelings for you, you know?

• 43:38Speaker 04

  Yeah.

• 43:39Speaker 03

  You were talking about feeling the shame, and you're kind of stuck on that. You even said the reason why.

• 43:49Speaker 04

  Yeah.

• 43:50Speaker 06

  We have like another hour?

• 43:52Speaker 04

  Yeah.

• 43:53Speaker 06

  Um, and this really is, when I talk to you on the phone, you want things to change. And this is a conversation that feels like you two haven't been able to have, and we need to have it.

• 44:09Speaker 04

  Yeah.

• 44:10Speaker 06

  So I would love for you to come back. I would love to have this conversation and for us to be able to get both of you the help and support that you need.

• 44:22Speaker 03

  You ready, Chris? You give it a go? You're a hot scotch, this dragon troll from the dungeon, how do you know?

• 44:33Speaker 04

  Are you bothered? Yeah.

• 44:34Speaker 03

  Are we bothered?

• 44:36Caleb Hammer?

  Okay. We're back. How we feeling? What happened?

• 44:43Speaker 03

  I think we had a good heart to heart, but maybe you should talk.

• 44:46Speaker 04

  Yeah.

• 44:47Caleb Hammer?

  Yeah, maybe.

• 44:48Speaker 04

  Just when you were talking about me being, you know, a real piece of shit.

• 44:56Caleb Hammer?

  Yeah.

• 44:56Speaker 04

  Dad and partner. Did it dug out the shame that I do feel because I know I could and should be doing better and having it thrown in my face is, you know, I it sucks, but it's also...

• 45:14Caleb Hammer?

  My question is, if you know you should be doing better, why aren't you? Cause that's all talk.

• 45:20Speaker 04

  Cause it's hard taking the step to change yourself when you've done something a certain way for a long time and breaking through.

• 45:28Caleb Hammer?

  Well, the AI girlfriend isn't something you've been doing for a long time.

• 45:31Speaker 04

  No, I don't do that anymore. Once we had that conversation about when she got the email.

• 45:36Caleb Hammer?

  A few months ago, but yeah.

• 45:39Caleb Hammer?

  What's to prevent us from doing that again in the future? When, why won't you show her like the messages in there? Why won't you show her the phone? I understand like a financial behavior might take a second, but literally just showing her like you can just give her your phone. If taking this step is hard, isn't that the only step is just giving her the phone? But what, what, what other step is there in that process?

• 46:00Speaker 04

  No, that would be a step forward for sure.

• 46:03Caleb Hammer?

  Would be, are you going to?

• 46:05Speaker 04

  Yeah, I mean, I would have to go in and download them again.

• 46:09Caleb Hammer?

  Your phone in general?

• 46:10Speaker 04

  Oh, yeah, no, yeah, they can have my phone.

• 46:13Speaker 03

  Uh, I think a slice of truth that might help this conversation is uh, he was in the shower. This was a very long time ago. You were in the shower one time and I was worried that you were talking to someone. Uh, and I did just peek through your messages.

• 46:30Caleb Hammer?

  Okay, and?

• 46:31Speaker 03

  There was nothing there. I was just worried.

• 46:34Caleb Hammer?

  Okay, well, what led you to be worried?

• 46:36Speaker 03

  I think it was like a coworker you were talking to or your friend.

• 46:42Caleb Hammer?

  I'm also confused about this, like I haven't used it since you downloaded an other app the day after the confrontation. Or the AI. So that just doesn't line up as well. That's kind of fucking stupid, I'll be honest. But what's not is actually getting a checking account that gives you free money. Free money, we like free money. You can get up to $200 in bonus cash right now. When you sign up for the checking account that I use, chime. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Odd and get free money at the same time. Who would have thought? That's incredible. Check it out, link in the description below. Starbucks is bull and a waste of money.

• 47:23Caleb Hammer?

  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.

• 47:43Speaker 04

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

• 47:49Caleb Hammer?

  Listen, you can also get free samples to see if you like it. Or 10% off your order at gamersubs.gg or click that link in the description below. Type in code Caleb.

• 48:00Speaker 04

  Cause there were, I think, two that popped up. Cause there was the Emoji one and then a different one that popped up like the next day. You're like, we just had this conversation.

• 48:10Speaker 00

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

• 48:39Speaker 03

  Uh, you, no, no. So it was, there was a two, there was AI girlfriend. It was the sultry little purple mask. And then there was the Inochi.

• 48:48Speaker 04

  Classic D and D.

• 48:49Speaker 03

  Yeah. And then, um, you said, okay, I'll delete it. And then the next day it said that you had paid for an add-on and that was to the Inochi. And I was like, what the do we just talk about? And you're like, you're right. And then you said you didn't. Wasn't right the day before? No, he said I was right.

• 49:06Speaker 04

  They were still right the day before.

• 49:08Speaker 03

  Yeah. And what is this thing about envelopes? I'm being told about envelopes? Envelopes, what envelopes? So. What is an envelope? When I, uh, my previous job, uh, before the field merchandising talent. I was a retail store manager for an adult store. It was a full-time job and I was the breadwinner at that point. I had been working there for a while. We had finally gotten our apartment, our one bedroom.

• 49:39Caleb Hammer?

  Was it the North Park?

• 49:41Speaker 03

  It was the North Park. Yeah, yeah.

• 49:42Caleb Hammer?

  Okay.

• 49:43Speaker 03

  And so we found out we were pregnant a month later. And it was late spring. I was like, I think it would be a good idea if, you know, we start pulling out cash from our checks, every paycheck, to put that into the envelope system. That way, because I have ADHD.

• 50:02Caleb Hammer?

  Envelope system, you don't, okay, well, you either run, be an envelope or you don't. I don't know what.

• 50:08Speaker 03

  Well, it was just like a little booklet. It has like the plastic little.

• 50:11Speaker 04

  Yeah, there was like.

• 50:12Caleb Hammer?

  You were just trying to save.

• 50:13Speaker 03

  Yeah, I was literally just trying to save.

• 50:14Caleb Hammer?

  You're just trying to put cash inside to save.

• 50:15Speaker 03

  And I got ADHD, so if I see the number in the account, I'm like, oh, I have money.

• 50:18Caleb Hammer?

  No, I got you, I got you.

• 50:20Speaker 03

  But if it's out of sight of the mind, I won't, I won't remember. So.

• 50:21Caleb Hammer?

  You have every mental disability.

• 50:23Speaker 03

  Yeah, cool. So I was, I had switched up my direct deposit to put 200 to savings and then from there, every paycheck, paycheck, I would pull it out and then divvy it up.

• 50:34Caleb Hammer?

  What's the problem?

• 50:34Speaker 03

  So I, I think I had saved up about $1,600.

• 50:38Caleb Hammer?

  Good start.

• 50:39Speaker 03

  Yeah, and that was over like a couple of months. And it was after the ba-, it was before the baby shower. I had asked you to pay the phone bill. And I, you know, I hadn't like kept track of like checking, oh, recounting, oh, this is what this is envelope.

• 50:57Caleb Hammer?

  What happened?

• 50:58Speaker 03

  Anyways, I noticed that the envelope was missing a lot of money. And not just, well, a hundred dollars here, a hundred dollars there. It was a fact. I had been tallying, oh, this date, putting this much in for this and so on. And I had told him that, like, this is how I wanted to do it. So it's a checks and balances. There was no outtake that was written down and there was a lot of money missing.

• 51:21Caleb Hammer?

  What are you doing? Especially while she just is pregnant, headed towards the birth. What did you do?

• 51:27Speaker 04

  It would usually, whenever we had.

• 51:29Caleb Hammer?

  Usually, multiple times?

• 51:31Speaker 04

  When we had bills, I would go ahead and if I didn't have the money, I would use what we had on our envelope system.

• 51:37Caleb Hammer?

  What do you mean bills? She doesn't, she doesn't know your financial situation. You won't tell her. You won't let her look at anything. How can you even say?

• 51:43Speaker 03

  So this happened more than once, though?

• 51:46Speaker 04

  No, not more than once.

• 51:47Caleb Hammer?

  But you said every time or something like that. You indicated more than one.

• 51:51Speaker 04

  Because whenever, I mean.

• 51:53Caleb Hammer?

  Whenever. Whenever is not once.

• 51:58Speaker 04

  When we had bills, I would

• 52:01Caleb Hammer?

  I would.

• 52:02Speaker 04

  Plan to

• 52:02Caleb Hammer?

  Not did.

• 52:03Speaker 04

  Refill it. And then whenever checks came around, we'd have to pay bills again. I wouldn't have the extra money to put back into the envelopes.

• 52:14Speaker 03

  Was this around the time you were getting behind on the car payments?

• 52:19Caleb Hammer?

  Why won't you just let her fucking look at your accounts? Just let her look. In the post-show, we're gonna re-download those apps and we're gonna look at them. We're gonna see what happened in there. Cause I think we need to actually go through that, but we do also need to get into the money now or else this is never gonna end. Oh my gosh. And it makes no sense because even when that happened, when she confronted you, you admitted that you only took 90 out, but that it's not possible because it was only a hundred dollar bills or 20 dollar bills in there. So you couldn't have even taken 90. You were lying about the amount.

• 52:47Speaker 03

  Yeah, it wasn't just like a hundred or 200.

• 52:50Caleb Hammer?

  Anything. Won't do the therapy, won't do anything. How long do you think she's gonna stay? If you do not change the things of which she has laid out ultimatums for, how long do you think she's gonna stay?

• 52:59Speaker 04

  I'd be lucky if it was another month or so.

• 53:03Caleb Hammer?

  Yeah. And do you even deserve that? I don't know.

• 53:06Speaker 04

  No.

• 53:07Caleb Hammer?

  Okay, better question. 0% is just staying forever. You're not even questioning leaving. 100% is you're walking out this building, separating him. Where are you?

• 53:21Caleb Hammer?

  Those are the two extremes. We're in the middle.

• 53:23Speaker 03

  5%, 10%?

• 53:25Caleb Hammer?

  What? After all that, just that, you put down ultimatums, which are 5%? That's never gonna be ultimatums then. Those aren't ultimatums.

• 53:33Speaker 03

  It's...

• 53:34Caleb Hammer?

  What? That's a red line in the sand that gets crossed every time with no consequences. That's nothing. That's nothing. 5% is nothing. Now, now, why would he ever change? Why would he? You're not even, you're barely even considering it. It's barely even a thought. It's barely even an inkling.

• 53:51Speaker 03

  I grew up with separated parents. Like, early on, two years old, I never had

• 53:54Caleb Hammer?

  Okay, so...

• 53:55Speaker 03

  A dual house, like, parent household.

• 53:57Caleb Hammer?

  Is this working? Is this dual parent household working? Is it gonna be better for the kid? This thing?

• 54:02Speaker 03

  If it stays the same? Absolutely not.

• 54:04Caleb Hammer?

  But you're at 5%? When it's only stayed the same for years?

• 54:10Caleb Hammer?

  That makes no sense. Enablement, enablement. You're right. He probably will never change. Wow. Okay. So let's get into the finances, guys. And then on gender term.

• 54:22Speaker 03

  Dude bros.

• 54:23Caleb Hammer?

  Uh huh. What do we rate the household financial score at this point? Zero being the worst, 10 being the best.

• 54:30Speaker 04

  Like a two.

• 54:32Speaker 03

  Yeah, two. Yeah. I know I took the quiz myself and I was at a five.

• 54:37Caleb Hammer?

  Yeah, but you guys are combined.

• 54:38Speaker 03

  Yeah.

• 54:39Caleb Hammer?

  If you want to take that assessment, take it for free at Calebhammer.com. Just takes a few minutes. See where you're standing in the world of money, where you're doing poorly, where you're doing great. It is awesome and you can improve your life with it. You can also improve your life with the Dollar Wise Budgeting app. Tens of thousands of monthly active users for a reason. Thousands signing up daily. It is awesome. It is incredible. You can see the free trial. If you like it, and if you don't, you can cancel. And if you do, you can keep going and you can change your life like many other people do. Most people take the annual version because it saves a lot of money. And you get my 30 day meal plan. This guy right here, signed by me, mailed directly to you. Hand me that Sharpie, please, if you may. Thank you, sir. I appreciate it. So all I do is I come down here and I'm like, woo, signature, let's go.

• 55:19Caleb Hammer?

  And then you get it. So there you go. Now you can't have any excuses for not being able to meal prep, not being able to plan your meals. It is based on a $300 per person grocery budget per month. It is great. It is snacks. It is everything. Okay. So I am going into these finances, but I mean, I just, I have to know just the baseline of this conversation where it stands. We've talked a lot of, a lot of betrayals so far. Is that the end of the betrayals? I want to at least make sure before I keep going.

• 55:48Speaker 03

  I want to say no, but that might be

• 55:50Caleb Hammer?

  Want to say no?

• 55:51Speaker 03

  I mean, I don't want to say that. Yeah, that's the end of everything. Uh huh. A hundred percent.

• 55:55Caleb Hammer?

  You know, the betrayals though, the betrayals, because there's lots of betrayals.

• 55:59Speaker 03

  I don't know. What about you? How are you feeling?

• 56:02Speaker 04

  No, I

• 56:04Speaker 04

  I have a hard time talking about finances, but I don't, there's nothing in there that I should have been hiding.

• 56:11Speaker 03

  Okay, so like, I understand that, but are are you trying to say that you've said everything that has needed to be said?

• 56:21Speaker 04

  I think so, yeah.

• 56:22Caleb Hammer?

  When was trust first broken in this relationship?

• 56:25Speaker 03

  Do you want to talk about it?

• 56:27Speaker 04

  I couldn't find that in your Apple Music.

• 56:28Speaker 03

  Why am I?

• 56:30Caleb Hammer?

  It's like, what is it?

• 56:32Speaker 04

  Yeah, if you want, we can talk about it.

• 56:35Caleb Hammer?

  Well, we're definitely going to, we're here. You guys didn't put that on your no-no list, so, oh, we're talking about it. Well, what are we talking about? I don't know.

• 56:42Speaker 04

  Please don't be cheating.

• 56:44Speaker 03

  No.

• 56:44Caleb Hammer?

  No, I've never cheated on them. What?

• 56:49Caleb Hammer?

  Okay, you seem to be the one that can put words out of your mouth, so why don't you try to do it?

• 56:52Speaker 03

  I found out, uh, when we were looking into getting an apartment, uh, we had talked about financing a home as a first time home buyer.

• 57:01Caleb Hammer?

  What? When? That quick?

• 57:02Speaker 03

  It was like, um, March two years ago? No, no, it was March last year.

• 57:07Caleb Hammer?

  March last year was the first trust break? That's crazy, okay. That's been a lot since then. What happened?

• 57:12Speaker 03

  I was talking to his parents about him, uh, sending emails to the VA uh, about getting his paperwork and all that stuff from when he was in the military.

• 57:25Caleb Hammer?

  What branch?

• 57:26Speaker 03

  He wasn't in it.

• 57:28Speaker 04

  I had a friend of mine who-

• 57:34Caleb Hammer?

  Okay, you weren't in it, but you were emailing the VA?

• 57:37Speaker 03

  No.

• 57:38Caleb Hammer?

  Huh?

• 57:39Speaker 04

  No, I didn't. I, it was all just a story I had with, uh, one of my friends who was in the Army. We talked about joining in together and he was, uh, older and he had, I got a, a letter from saying he died in active combat. And, uh-

• 58:00Caleb Hammer?

  What?

• 58:01Speaker 04

  He-

• 58:01Caleb Hammer?

  How does this break her trust?

• 58:03Speaker 04

  Well, I'm getting there. And, uh, so I ended up using, he would, cause he would send me letters about his updating through basic and then he'd get deployed and he would let me know how he's doing.

• 58:16Caleb Hammer?

  Okay.

• 58:17Speaker 04

  And, uh, I ended up taking those stories and be like, yeah, this is what we did while we were enlisted together.

• 58:23Caleb Hammer?

  What?

• 58:25Speaker 03

  You never said it was both of you, you just talked about you though.

• 58:28Caleb Hammer?

  What? Whoa, no, no, you took his stories? Whoa, no, no, no, no, no, no, no, no. The stories that your friend sent you, you took about your service?

• 58:39Speaker 04

  Yeah.

• 58:39Caleb Hammer?

  Stolen valor, right here, stolen valor. Whoa, whoa, whoa, whoa.

• 58:45Speaker 04

  Yeah, it's not.

• 58:46Caleb Hammer?

  Whoa.

• 58:49Caleb Hammer?

  And did what with it?

• 58:51Speaker 04

  I didn't.

• 58:51Caleb Hammer?

  That's like stolen valor shit. Wait, and did what with it? What with the VA?

• 58:55Speaker 04

  I didn't do anything with the VA.

• 58:57Caleb Hammer?

  What were you trying to do with the VA? Why are we in contact with the VA? Where does the VA come into this?

• 59:00Speaker 03

  He was lying about that.

• 59:03Caleb Hammer?

  About what?

• 59:03Speaker 04

  I'd never contacted the VA about anything. I was just saying I was doing it, but I never actually did.

• 59:08Caleb Hammer?

  Do what?

• 59:09Speaker 03

  Covering up.

• 59:10Caleb Hammer?

  Covering up what?

• 59:11Speaker 03

  Continuing the lie.

• 59:13Caleb Hammer?

  The lie to who from what?

• 59:14Speaker 03

  About being in the military.

• 59:15Caleb Hammer?

  So you're telling everyone in the world, including you? What?

• 59:20Speaker 04

  Yeah.

• 59:20Caleb Hammer?

  Whoa, whoa, whoa, whoa, whoa, whoa, whoa. So when you started this relationship, dude was like, I'm a vet?

• 59:25Speaker 03

  Not out the gate, no. It was suddenly brought up.

• 59:28Caleb Hammer?

  But it happened?

• 59:29Speaker 03

  Yeah.

• 59:30Caleb Hammer?

  Wait, you were telling everyone that you were a veteran?

• 59:32Speaker 03

  Not everyone, no.

• 59:33Speaker 04

  Not everyone, no.

• 59:33Caleb Hammer?

  A lot of people. That you were a vet?

• 59:36Speaker 04

  Our friend group, yeah.

• 59:37Caleb Hammer?

  Your what?

• 59:37Speaker 03

  Our friend group, yeah, yeah, yeah.

• 59:39Speaker 04

  But, no, I wasn't going on the rent down the street home like, yeah, I'm in the service.

• 59:45Caleb Hammer?

  I mean, you gave the, you told the people that any normal person would?

• 59:51Caleb Hammer?

  What?

• 59:52Speaker 04

  It wasn't, it wasn't a good moment for me.

• 59:54Caleb Hammer?

  This friend, this friend even exists? I don't, do I even believe that? I don't believe anything this guy's saying. It doesn't even matter if the friend exists, though. It's like you're using his stories or just Reddit stories you found. You're telling people, what was the point? What were you doing? Where are you getting out of this? This is crazy. And people think I'm like anti-vet because I talk about the disability thing on the show all the time. No, I am a huge advocate and I want to fix the system to make it even better for people. They are the best of the best among us, protecting this country, serving.

• 1:00:25Speaker 03

  My, no, my brother specifically was not a good representative.

• 1:00:28Caleb Hammer?

  There's pieces of shit in every system. I'm not saying that. But in general, people that are putting their life on the line for the country, you know, I respect them. As a collective. There's pieces of shit everywhere, okay?

• 1:00:41Speaker 03

  Maybe not the institution that hires them, but yeah.

• 1:00:43Caleb Hammer?

  Well, the government?

• 1:00:44Speaker 03

  Yeah.

• 1:00:45Caleb Hammer?

  Okay, I mean, that just meant nothing. That's just such a broad statement, but...

• 1:00:49Speaker 03

  I mean, I feel bad for the people that do get in there with good intentions and then are brainwashed into believing that the government is the right way and the only way, and if you don't agree, you leave.

• 1:01:00Caleb Hammer?

  Well, yes, you have to follow the military rules?

• 1:01:04Speaker 03

  No, like, absolutely. There is a guideline, absolutely, but it's...

• 1:01:12Caleb Hammer?

  Okay, I honestly don't give a [bleep], whatever. I'm just trying to say, I respect the [bleep] out of them as a collective, because they have put their life on the line for this country. They're serving. It's called service.

• 1:01:26Speaker 04

  Yeah.

• 1:01:27Caleb Hammer?

  And you're mimicking being one? For what purpose? For what purpose was this possible? I've never heard of this. I mean, I guess we've all heard of stolen valor, but I've never actually seen someone do it. I've never, like, even heard a story. It's just, it's just like known, right?

• 1:01:46Caleb Hammer?

  Oh, okay, I understand. So you're a democratic socialist and you're an anarchist. I don't know why an anarchist would pretend to be a vet.

• 1:01:55Caleb Hammer?

  I still don't understand why you pretended to be a vet.

• 1:02:01Speaker 04

  It was just a stupid decision on my part to try to connect with...

• 1:02:05Caleb Hammer?

  Why does that seem to be your answer for everything? I want to know the why. Your why can't always be, "It was a stupid decision." Why did you actively choose to do that?

• 1:02:14Caleb Hammer?

  You will never get better if you cannot figure out a reason why you did something.

• 1:02:17Speaker 04

  Because I wanted to relate more to him, and when he told me about the stories...

• 1:02:25Speaker 04

  He was passionate about it and I was like, I wish I had a passion like that about something at least. And that's what I wanted to do when I was younger. And then I've had a few injuries where I wasn't able to do it anymore. I had a motorcycle accident when I was 18 and I messed my left, my left arm and shoulder up. So I couldn't do anything if I wanted to.

• 1:02:50Caleb Hammer?

  Okay, listen, I'm gonna bleep the words. So don't be afraid to say the word, okay?

• 1:02:54Speaker 04

  Okay.

• 1:02:54Caleb Hammer?

  I'm gonna count from three, two, one, then I'm gonna ask you to do something. You must answer it immediately.

• 1:03:00Speaker 04

  Okay.

• 1:03:00Caleb Hammer?

  Three, two, one. What's the name of your friend?

• 1:03:05Caleb Hammer?

  Okay. I was relatively quick. It was bleeped. What? Do you know of this guy? Oh, for god's sake.

• 1:03:13Speaker 03

  No, I was about...

• 1:03:16Speaker 03

  This is the one that you told me about. But they're two friends? I just...

• 1:03:25Speaker 03

  This is the...

• 1:03:25Caleb Hammer?

  Okay. Why, why was I almost, I almost believed you for a second? This conversation is ridiculous. This is one of the most ridiculous conversations I've ever heard about. It's an hour and three minutes and I haven't looked at a document! What the is happening?

• 1:03:47Caleb Hammer?

  And did you at least go to your guys' friends and tell them that you were a liar?

• 1:03:51Speaker 03

  I made that a very mandatory thing. He had said, oh, I'll just send a text message. And I said, no, if you can lie to someone to their face, you can tell them the truth to their face.

• 1:04:01Speaker 04

  So I told all my friend groups that there was a lie. Cause that was one of the ultimatums they gave. I was like, all right, that's what I'll do. I'll tell them the truth.

• 1:04:11Caleb Hammer?

  Okay, Cash App, what's going on with this? No, this must be a checking account.

• 1:04:14Speaker 04

  No, it's my, I do my direct deposits and stuff through Cash App.

• 1:04:18Caleb Hammer?

  That's interesting. Okay, what are you getting at Walmart for six bucks? Highly doubt that's groceries.

• 1:04:25Speaker 03

  I mean, sometimes it's the occasional, oh, hey, I need eggs or we're out of milk. Can you grab some for the son?

• 1:04:29Caleb Hammer?

  If there's a Walmart in your town, I bet there's a Chase or a Wells Fargo or anything.

• 1:04:35Speaker 03

  I think there's like a sister bank to Wells Fargo, but...

• 1:04:39Speaker 04

  There might be a Wells. I mean, I haven't seen one around, but that doesn't mean there's not.

• 1:04:42Caleb Hammer?

  There isn't a Chase, but there has to be some kind of major branch of some kind, if not a Chase.

• 1:04:46Speaker 03

  Ooh, trying to think.

• 1:04:48Caleb Hammer?

  Okay, what's the name of your town? We're bleeping it.

• 1:04:51Speaker 03

  Indiana.

• 1:04:52Caleb Hammer?

  Okay, first of all, why? Why live in such a not great place?

• 1:04:55Speaker 03

  I mean, I was born in the county next to it.

• 1:04:57Caleb Hammer?

  Great. I don't live where I'm born because I went through a place with opportunity.

• 1:05:01Speaker 03

  And moving costs a lot of money and we obviously don't have that.

• 1:05:04Caleb Hammer?

  It cost me about $200 and I sold everything like and then I slept on an air mattress for six months. Now it's a little harder with a kid, don't get me wrong, but to just suggest that you can't do it without a shit ton of money is also just illogical. People move all the time.

• 1:05:15Speaker 03

  And we have one car.

• 1:05:17Caleb Hammer?

  I had, yes, I know. It's a different situation. It's, but it still might cost a couple thousand dollars. But if you even go into debt for a couple thousand dollars to go to a place with opportunity where you make tens of thousands more? That is oftentimes a worthy investment.

• 1:05:28Speaker 03

  I mean, there's definitely an end goal for us, but it's not in the picture right now.

• 1:05:32Caleb Hammer?

  But if you're not doing anything, it's just, that's not a goal.

• 1:05:34Speaker 03

  That's.

• 1:05:36Caleb Hammer?

  Okay, First Bank, I think that one's pretty big if I'm not mistaken.

• 1:05:39Speaker 04

  First what?

• 1:05:40Caleb Hammer?

  Fidelity, you got Fidelity.

• 1:05:42Speaker 03

  That's a green one, right?

• 1:05:44Speaker 04

  I don't know. I'm not aware.

• 1:05:46Caleb Hammer?

  That's big, so you'd probably be fine there. Yeah, National Bank, yeah. Well, Federal First Savings, like, you're fine. There are major branches. There's a ton of major branches there. And you got some credit unions as well, but you're okay.

• 1:05:57Speaker 03

  Yeah, I've, I've got an account with one of the local credit unions.

• 1:06:01Caleb Hammer?

  So what a stupid, excuse me, remedy center cannabis, 55 bucks?

• 1:06:08Speaker 04

  Yeah, we've.

• 1:06:08Caleb Hammer?

  Is this why? How much are you consuming?

• 1:06:11Speaker 04

  We don't do it all the time. We, it's a purchase that will probably last us probably over a year. Cause we do super small portions.

• 1:06:20Caleb Hammer?

  You will not go to cannabis for a full year from that purchase.

• 1:06:25Speaker 04

  Yeah, we cut them into, cause they're, all the servings are about that big and we cut it into 16 pieces and.

• 1:06:30Speaker 03

  They're really strong.

• 1:06:31Speaker 04

  They're really strong. It's like 500 milligrams of gummy.

• 1:06:34Caleb Hammer?

  Yeah, gummy. And then obviously right afterwards, went to Donut Bakery, makes sense. Bath and Body Works mega replay.

• 1:06:44Caleb Hammer?

  I don't know what that is.

• 1:06:45Speaker 03

  Uh, it's a, it's where you can like sell old games or console systems.

• 1:06:50Caleb Hammer?

  He's buying, not selling.

• 1:06:51Speaker 03

  Uh, that, I had a really bad day that day and he had brought me a gift, which is extremely rare.

• 1:06:58Caleb Hammer?

  Well, not that rare, it was $12, but.

• 1:07:00Speaker 03

  Uh, you went there with our son, right? You got some stuff and you went like, I think you got like a candle or something in Bath and Body?

• 1:07:07Caleb Hammer?

  Okay, Corilla?

• 1:07:08Speaker 03

  Cirilla, that is an adult store, yes.

• 1:07:13Speaker 04

  Yeah, we like to spice things up in the bedroom every now and then.

• 1:07:16Speaker 03

  I mean, I.

• 1:07:17Caleb Hammer?

  One, once every other month.

• 1:07:18Speaker 03

  Right, but I worked in the business for well over four years.

• 1:07:22Caleb Hammer?

  Every now and then, am I right, guy? AI girlfriend. Golden Buddha?

• 1:07:28Speaker 03

  Food?

• 1:07:28Speaker 04

  Yeah, food.

• 1:07:29Caleb Hammer?

  I assumed. I didn't think that was a toy of Buddha's asshole.

• 1:07:33Speaker 04

  I'd be impressed.

• 1:07:34Speaker 03

  Yeah, I would assume it would be the belly button, maybe some fat food.

• 1:07:37Caleb Hammer?

  Okay, doughnut, bake, and yeah, maybe groceries from Walmart, I don't know. You went and said I got some bullshit from Casey's. I know you didn't get $3.63 of gas.

• 1:07:46Speaker 04

  No, I got a drink from Casey's before I went to work.

• 1:07:48Caleb Hammer?

  Okay, stop. Listen, no longer, no longer, my friend. Let me make sure it's the energy drink person. There you go. Woo, let's see.

• 1:07:59Caleb Hammer?

  That cannabis has [bleep] you. What kind of reflexes were that? You say people are intimidated by him? That was the worst I've ever seen. Dude let it fully hit his nose and run down his face before he even moved.

• 1:08:08Speaker 03

  I probably would have too. I'm sure I get bad reflexes. I jump scared though.

• 1:08:12Caleb Hammer?

  Well, yeah, I'm sure you're medicated to death. Listen, oh, come on, we all know.

• 1:08:16Speaker 03

  Come on, a little bit of [bleep] every day keeps me cool. I'm fine.

• 1:08:20Caleb Hammer?

  Self-piercing therapy four times a week? I know you're medicated.

• 1:08:22Speaker 03

  Four times a week.

• 1:08:23Caleb Hammer?

  Self-diagnosis, I know you're desperately medicated. Either way, no longer, you are using the Gamer Subs. It is 40 cents a serving after my discount. Code Caleb, link in the description below, gamersubs.gg. You're using that? If you want to figure out other flavors, you can get free samples at that using my code and figure out what you like. And you're making your energy drinks at home now instead of stopping in and getting some bullshit when you can clearly not afford it. Okay?

• 1:08:49Speaker 04

  Okay.

• 1:08:49Caleb Hammer?

  It's delicious. It legitimately is. Every guest has enjoyed the [bleep] of them. Hammer Elite is the best YouTube membership on the platform and I just upgraded it. Three exclusive dedicated shows every single day, Monday through Friday. Join with the link in the pinned comment or description below. This is the best membership you'll ever join. That's a promise. Guys, just real quick, don't forget to take your Hammer financial score at CalebHammer.com. See where you stand, where you gotta do better, where you're doing shit. This is just takes a few minutes and it is free. Figure out where you stand in the world of money, CalebHammer.com. Send some money out. Bullshit Nintendo again.

• 1:09:29Speaker 03

  That was probably one of the Nintendos that we talked about.

• 1:09:32Caleb Hammer?

  Yeah, I mean, this just happened like a month ago. Uh, air or vacuum? Okay, yeah, I mean, that's air, that's okay. Walmart Nintendo again? How frequently? What are we doing? Bullshit, okay. Air again? Okay, how many times are we getting air?

• 1:09:46Speaker 04

  When I had my flat, well, I have our car before I got, its engine tore up. I hadn't replaced the one.

• 1:09:53Speaker 03

  Uh, yeah, the car has been in the shop since the beginning of the month.

• 1:09:57Speaker 04

  Yeah.

• 1:09:58Caleb Hammer?

  That's brutal. Send some money out. BMC.

• 1:10:02Speaker 04

  Whoa.

• 1:10:03Caleb Hammer?

  CPE BMC, it's $200.

• 1:10:05Speaker 03

  That is our energy.

• 1:10:06Speaker 04

  Yeah, that's our energy.

• 1:10:07Caleb Hammer?

  Okay, fair enough.

• 1:10:08Speaker 03

  Center point energy.

• 1:10:08Caleb Hammer?

  Nob Hill Tavern, high score saloon, insomnia cookies. If you have an insomnia cookies, you have a major bank.

• 1:10:15Speaker 03

  Uh, yeah, that was like the first date night. We, that was the first date night in what, like six, nine months, something like that?

• 1:10:22Speaker 04

  Something like that.

• 1:10:24Caleb Hammer?

  Okay, that wasn't the point I was making.

• 1:10:26Speaker 03

  Okay.

• 1:10:26Caleb Hammer?

  Bullshit, bullshit Nintendo again, 20 bucks at a time. Nintendo stacking up. Liquor, wonderful. Wendy's. Honeymoon, Wainbach. Wendy's.

• 1:10:37Speaker 04

  Oh, Wainbach, yeah.

• 1:10:37Speaker 03

  Wainbach, yeah.

• 1:10:38Caleb Hammer?

  McDonald's, some bullshit, lot of bullshit. Uh, maybe gas, that one actually looks like gas. Air again, I understand why. Maybe groceries, definitely bullshit, bullshit. I think gas.

• 1:10:51Speaker 03

  Does it say Really Fruits?

• 1:10:52Caleb Hammer?

  Bullshit.

• 1:10:52Speaker 03

  That's a grocery store.

• 1:10:53Caleb Hammer?

  What do you want?

• 1:10:54Speaker 03

  Really Fruits, that's a grocery store.

• 1:10:55Caleb Hammer?

  I know, but when he's getting like $3, but he's getting a little drink.

• 1:10:57Speaker 04

  Yeah, it's a drink.

• 1:10:58Caleb Hammer?

  There we go.

• 1:10:59Speaker 03

  Well, okay.

• 1:11:00Caleb Hammer?

  We judge it by price typically. See, this might be groceries, 16 bucks there.

• 1:11:04Speaker 03

  Yeah.

• 1:11:05Caleb Hammer?

  Uh, bullshit Sonic. Culvers, Donut Bakery, bullshit. And sex toys again, double sex toys.

• 1:11:13Speaker 03

  Is it like $17 to $20?

• 1:11:16Caleb Hammer?

  We're ramping up.

• 1:11:17Speaker 03

  Uh, yeah, we recently talked about him just going to get something and then using it and then not saying anything and not initiating. And that's what half of the problem.

• 1:11:26Caleb Hammer?

  What are we getting?

• 1:11:27Speaker 03

  Uh, it's like a pill.

• 1:11:28Speaker 04

  Yeah, pills to help with simulation, yeah.

• 1:11:32Caleb Hammer?

  You're the struggle. So you wanna be?

• 1:11:34Speaker 03

  Um, I like, I don't think about it.

• 1:11:36Caleb Hammer?

  You getting an AI girlfriend? I thought it was because she wasn't given.

• 1:11:41Speaker 03

  Oh, yeah, no, I definitely, it wasn't on, it wasn't on the front burner. You know, I'm taking care of the kid, I'm staying home, I'm also working, I'm also trying to take care of the home.

• 1:11:50Caleb Hammer?

  He's the one that can't get excited?

• 1:11:52Speaker 03

  I mean, occasionally, everybody has this issue.

• 1:11:52Caleb Hammer?

  When I'm like overly stressed or tired, I don't get as excited.

• 1:11:55Speaker 03

  And like that kind of like counter, like adds into that, that.

• 1:11:58Speaker 04

  Cause I know they're doing the best they can with our house and, and.

• 1:12:04Caleb Hammer?

  Probably with that name, but yeah, I assume that's the kid, right?

• 1:12:06Speaker 03

  Yeah, sorry.

• 1:12:08Speaker 00

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

• 1:12:37Caleb Hammer?

  Oh, it's okay. 255, is this your checking account? Up from five.

• 1:12:41Speaker 03

  Uh, Heritage.

• 1:12:42Speaker 04

  That's Heritage.

• 1:12:43Speaker 03

  Heritage, yeah, that's me.

• 1:12:44Caleb Hammer?

  That's, okay, it started at five, that's scary.

• 1:12:46Speaker 03

  What?

• 1:12:47Caleb Hammer?

  Groceries.

• 1:12:47Speaker 03

  Oh, is that the savings?

• 1:12:48Caleb Hammer?

  Honeymoon bullshit.

• 1:12:50Speaker 03

  Yep.

• 1:12:50Caleb Hammer?

  Cash app, cash app, cash app.

• 1:12:52Speaker 03

  Oh, yeah.

• 1:12:52Caleb Hammer?

  Uh, bullshit, bullshit, Spotify.

• 1:12:57Speaker 03

  That's a monthly, yeah.

• 1:12:57Caleb Hammer?

  Maybe food, maybe groceries, cash app out, cash app, cash app, cash app.

• 1:13:00Speaker 03

  Yeah, I'm paying the install fee.

• 1:13:02Caleb Hammer?

  Groceries, groceries. I mean, it's just dangerously low balances. It's very scary.

• 1:13:07Speaker 03

  Yeah, I mean.

• 1:13:08Caleb Hammer?

  Luckily, no overdraft, I'm surprised.

• 1:13:10Speaker 03

  So with the previous job that I had, the pay was constantly infrequent. One week I could get a hundred dollars, the next paycheck would maybe be nine hundred dollars.

• 1:13:20Caleb Hammer?

  Yeah, but if you guys combined, it would be less of an issue.

• 1:13:22Speaker 03

  It would, but I mean, when we were paying for the wedding, it was me paying for everything. I paid for the rental, I paid for most of the dress, I had a friend help, and then his grandparents paid for the catering.

• 1:13:33Caleb Hammer?

  Why didn't you step up and pay anything?

• 1:13:35Speaker 03

  He was paying the bills.

• 1:13:36Speaker 04

  I was paying the bills.

• 1:13:37Caleb Hammer?

  All the bills?

• 1:13:38Speaker 04

  Yeah.

• 1:13:38Caleb Hammer?

  No issues, no late, no problem, okay. Would you even know?

• 1:13:43Speaker 03

  Uh, there were a few where they were late. There was one time we were like a day late on the energy bill.

• 1:13:48Speaker 04

  I was never like super like a week or two weeks late paying the bill.

• 1:13:51Speaker 03

  Yeah.

• 1:13:52Caleb Hammer?

  Why do we split it like that? Where you buy everything you put in the wedding bands and soup?

• 1:13:55Speaker 03

  Because my income was super infrequent. I couldn't rely on my check to pay bills.

• 1:13:58Caleb Hammer?

  But if you guys were combined, you'd be able to actually.

• 1:14:00Speaker 03

  Yeah, I, I.

• 1:14:03Caleb Hammer?

  Listen, obviously, I want you guys to move somewhere better opportunities, but I'll get both of you course career certifications.

• 1:14:07Speaker 03

  Yeah.

• 1:14:08Caleb Hammer?

  A lot of people in the audience have converted those into six-figure jobs. I'd like you guys to as well and just be strategic about which one you're getting. Look at the job market. Get you guys that. Also, buddy, listen, we gotta build your credit. I'll get you the mine. It used to be called Fizz, but the mine card debit card that builds credit. Can only spend what's in your checking account. Clearly have issues with that. Another cash app. Whose cash app is this? Zero bucks. And this must be yours. You were transferring to it, right?

• 1:14:32Speaker 03

  Yes.

• 1:14:32Caleb Hammer?

  Okay. Well, you're getting bullshit on here. Bullshit, bullshit, bullshit. Goodwill. I mean, that's probably okay, but people can get bullshit there. Sonic.

• 1:14:39Speaker 03

  It is probably closed or something.

• 1:14:41Caleb Hammer?

  Bullshit, bullshit, bullshit. McDonald's bullshit. Come on. Buddy, literally $80 in that collection account? Why couldn't you just pay $80?

• 1:14:54Speaker 04

  I, when they called me about the overdraft, the collection stuff.

• 1:14:58Caleb Hammer?

  That'll bump your score by like 15 points. 80 bucks.

• 1:15:00Speaker 04

  I didn't, I didn't know about them. Uh, cause well.

• 1:15:03Caleb Hammer?

  You didn't know?

• 1:15:04Speaker 04

  Several, I didn't remember until they called them. Cause several more were.

• 1:15:07Caleb Hammer?

  Download the fucking app. Credit Karma. Any, any credit. It's everywhere. It takes five seconds.

• 1:15:16Caleb Hammer?

  What? Any kind of personal responsibility? Like advocating for yourself doing anything?

• 1:15:22Speaker 04

  I have a hard time getting stuck in the rhythm where I'm just worried about day to day instead of.

• 1:15:28Caleb Hammer?

  Instead of downloading an app for three minutes?

• 1:15:30Speaker 03

  Being comfortable.

• 1:15:32Caleb Hammer?

  Yeah, I think it's the sense of comfort. I don't think you like a little bit of being uncomfortable in life, but you don't get that choice with a child and wife.

• 1:15:41Speaker 04

  That's true. I definitely need.

• 1:15:45Caleb Hammer?

  Well, I'm glad you know you need to. Now, if only you could do something ever once. Sick, man. You can download an AI girlfriend and sign up for that subscription, but not download and set up a credit karma.

• 1:15:58Speaker 04

  Yeah.

• 1:15:59Caleb Hammer?

  Yeah. So 80 bucks in that one's a good joke. I don't even, it's so stupid, man. It's so stupid.

• 1:16:09Caleb Hammer?

  Yeah, I don't know what Spring Oaks capital is. Let's see. Original creditor's name Bank of Missouri. So you probably had a credit card with them or some kind of loan. But you owe 662 to them. How long is this spending collections?

• 1:16:19Speaker 04

  Oh, it's from when I was in a past relationship. So I honestly.

• 1:16:25Caleb Hammer?

  Huh? When was that? Oh, God. Three years, seven months ago. So it's still gonna be on your collections for a very long time. And if we want to get a house, if we want to get additional apartment together, whatever it is, it's gonna [__] you.

• 1:16:35Speaker 03

  Was that one of the payday?

• 1:16:36Caleb Hammer?

  [__] you. Oh, is it?

• 1:16:38Speaker 04

  I don't think so.

• 1:16:41Caleb Hammer?

  AT&T. AT&T. Why'd you let AT&T go to collections? $367.

• 1:16:48Speaker 04

  I think that's when I was trying to get out of my

• 1:16:55Speaker 04

  phone plan and I was paid off my phone and I was trying to get out of their contract and I had paid my last month. And I still, I said I owed something, so I didn't, I didn't know.

• 1:17:05Caleb Hammer?

  You just let it go so that it would [__] you in your entire future life? This has been seven months, man. Seven months. Says it's spending collections at least. I'm sure it was, I'm sure it was [__] and not paid much longer before that, but it was at least sold to collections.

• 1:17:23Speaker 03

  Wait, wait, wait, wait, wait, wait, wait. Is that when we switched from individual phone plans to Cricket?

• 1:17:33Speaker 03

  And you said that you were on your parents' plan?

• 1:17:35Caleb Hammer?

  Trust me, I'd much rather do helium than Cricket.

• 1:17:37Speaker 03

  You said you were on your parents' plan?

• 1:17:41Speaker 03

  And that they were paying for your phone bill?

• 1:17:43Caleb Hammer?

  So it's another lie? Did we just learn another lie?

• 1:17:46Speaker 04

  I don't remember saying I was on my parents' phone plan.

• 1:17:49Speaker 03

  You may not have remembered now, but I do recall you saying, yes, I am on my parents' AT&T phone bill. And I can just transfer it. And then you had a problem trying to get into the account and get the number transferred over. So you got a new number.

• 1:18:04Caleb Hammer?

  Guys, therapy is great. Have we considered couples therapy?

• 1:18:07Speaker 03

  I have mentioned it multiple times.

• 1:18:09Caleb Hammer?

  Very good. And you won't because?

• 1:18:11Speaker 04

  I never said we just haven't picked a therapist to go to couples counseling for.

• 1:18:16Caleb Hammer?

  So haven't picked the therapist?

• 1:18:17Speaker 03

  I've told him that there are therapists at the office that I go to that do couples counseling.

• 1:18:22Caleb Hammer?

  What is the issue, guy?

• 1:18:23Speaker 04

  No, if we, if we can set up a couples therapist appointment, I don't have an issue with that. We just haven't done it yet.

• 1:18:30Caleb Hammer?

  So if she doesn't do it, it will not happen?

• 1:18:34Speaker 04

  I need to get better about taking

• 1:18:36Caleb Hammer?

  Oh, he needs to get better. Another solid 10 out of 10 answer, guys. I'm glad you know you need to. Why the don't you?

• 1:18:44Speaker 03

  Yeah, that's something that we talked about at the beginning of the year. New Year's resolutions, whatever you want to call it. I had asked him how he wanted to improve this year and

• 1:18:54Caleb Hammer?

  Stick it in more.

• 1:18:56Speaker 03

  He said he wanted to go to the gym. Respectfully, I get it. However, my resolutions were a little bit more concrete, more financially based.

• 1:19:04Caleb Hammer?

  Yeah, you're also not like horribly unhealthy.

• 1:19:08Caleb Hammer?

  If at all, you don't look bad.

• 1:19:10Speaker 04

  I was like, I mean, I feel like it, but

• 1:19:13Caleb Hammer?

  Well, yeah, maybe. I'm sure I'm sure your cardio is bad and stuff like that. You know, maybe it's like, you know, but like, you're not a bad looking dude. So, like, a gym's good. Go on more walks. It's nice up there half the year. Go, go on walks.

• 1:19:29Speaker 03

  Okay, we've definitely been doing that lately now that our kids like

• 1:19:32Caleb Hammer?

  There you go. We're going on, go, go on a couple of miles a day.

• 1:19:35Speaker 03

  Yeah.

• 1:19:36Caleb Hammer?

  Like 15, 15 a mile pace. Okay, very good. So 15 minutes. So good. Do that. No gym necessary. Gym if you want, but that just shouldn't be our, I don't want to say it's not important, but there are things that are getting, the marriage is getting destroyed. And we need to prioritize that. Okay?

• 1:19:55Speaker 04

  Yeah, I need to put stuff like that on the back burner.

• 1:19:58Caleb Hammer?

  Oh, you just found out that his mom's paying his car insurance at 30.

• 1:20:01Speaker 03

  Quite recently, yeah.

• 1:20:02Caleb Hammer?

  What the, why do you keep finding out things still in our marriage?

• 1:20:06Speaker 03

  The car was in the shop and I I actually addressed this with her directly and I was kind of pretty much saying, why are you enabling him? He's an adult and she's Right, but he's his mommy and should be letting go.

• 1:20:23Caleb Hammer?

  You're acting like his mommy too, though.

• 1:20:25Speaker 03

  And I don't want to. No, I get it, but I don't

• 1:20:28Caleb Hammer?

  You don't want to, but you do. With no, with no stop and you're 5% leaving. Yeah, good luck. Sorry, continue, continue. I'm interrupting.

• 1:20:34Speaker 03

  I point out his flaws, but and that I say that he needs to change and that it's for the better. But the drive just falls off. It's like you go to sleep, you wake up and then the, the drive that want to change goes away.

• 1:20:48Caleb Hammer?

  Bro, here's a direct quote from your application to come on the show.

• 1:20:51Speaker 03

  Yes.

• 1:20:51Caleb Hammer?

  I'm far from perfect and aware that I get upset and overreact at times when I feel like I'm being manipulated with crumbs. Of the truth caked with lies when it comes to our finances.

• 1:21:02Speaker 03

  Yeah, I do. It's it's a fact that I just find out that his mom, his parents are paying for it.

• 1:21:08Caleb Hammer?

  Manipulating you and he's like being like, oh, I'm, I'm, I'm, close your ears. No, no, no, no. So don't like, I can't be that bad. Oh, no, I'm just a delicate little flower.

• 1:21:18Speaker 03

  Oh, hello.

• 1:21:18Caleb Hammer?

  You're just allowing all this manipulation and him like, I'm gonna get better. I'm gonna get better. Oh, yeah, I know I need to get better. I'm gonna do all the, nothing. You're just allowing it. Red line in the sand, pushback a thousand miles.

• 1:21:32Speaker 03

  I'm a pushover. Yeah, sure.

• 1:21:34Speaker 04

  I mean, I don't, you don't deserve that. I definitely need to do.

• 1:21:41Caleb Hammer?

  Okay, you have another one in questions. $1,332 and $1,100 or $1,998. Very good. Okay, student loans. We got some student loans.

• 1:21:50Speaker 03

  Hi.

• 1:21:50Caleb Hammer?

  Hold on, do you not have that? Or is this the student loans?

• 1:21:53Speaker 03

  No, the student debt is my debt. Um, I.

• 1:21:55Caleb Hammer?

  That's it?

• 1:21:56Speaker 03

  No.

• 1:21:56Caleb Hammer?

  Everything?

• 1:21:57Speaker 03

  No, no, I've got, I've got more collections.

• 1:22:00Caleb Hammer?

  Well, you have collections too. Wait, okay, is $1,998 you?

• 1:22:04Speaker 03

  The who?

• 1:22:05Caleb Hammer?

  $1,998?

• 1:22:07Speaker 03

  What is that from?

• 1:22:07Caleb Hammer?

  I don't know. It doesn't say.

• 1:22:09Speaker 04

  That's from, uh,

• 1:22:12Speaker 04

  when I was in my past relationship with my partner, we had a lot of issues and they weren't wanting to help pay with bills.

• 1:22:20Caleb Hammer?

  Oh, it was her who was the problem.

• 1:22:23Speaker 03

  The payday loans.

• 1:22:23Caleb Hammer?

  I'm sure you had no issues.

• 1:22:25Speaker 04

  No, and then I.

• 1:22:26Caleb Hammer?

  It's gonna be convenient on this show how everyone is not the problem in their past relationships.

• 1:22:30Speaker 04

  I caught a, signed up for a secret shopper job and I've been trying to get that one, uh, what's the word?

• 1:22:39Caleb Hammer?

  I don't even know what a secret shopper job is.

• 1:22:41Speaker 03

  Somebody goes into a store and kind of like surveys how the customers are acting or like how the, the employees are treating guests and how the store is clean or not so clean. It's, yeah, I've been in retail my whole life. I, I see it. I know.

• 1:22:56Caleb Hammer?

  Okay. Okay, you got student loans.

• 1:22:59Speaker 03

  Yes, I have two student loans. It's from when I.

• 1:23:03Caleb Hammer?

  Well, combination of $4,448. No degree, right?

• 1:23:07Speaker 03

  Uh, no.

• 1:23:08Caleb Hammer?

  Oh, you'll get a certification. That'll be good.

• 1:23:10Speaker 03

  I've been trying to take some bookkeeping courses during downtime and that has since been negated.

• 1:23:16Caleb Hammer?

  I know that's hard. Okay, here's your collections. We got 761.

• 1:23:19Speaker 03

  That is the old Verizon bill.

• 1:23:22Caleb Hammer?

  You wouldn't pay your phone bill either?

• 1:23:24Speaker 03

  So that was not in my name. That was in my ex's name and I've been trying to...

• 1:23:29Caleb Hammer?

  In some way, you were on it as well.

• 1:23:31Speaker 03

  It was...

• 1:23:32Caleb Hammer?

  Together, maybe.

• 1:23:33Speaker 03

  I don't know if he transferred it to my name without my knowledge after we split up.

• 1:23:37Caleb Hammer?

  If so, that'd be fraud.

• 1:23:38Speaker 03

  But I had left Verizon. I had left Verizon and transferred to Mint Mobile.

• 1:23:42Caleb Hammer?

  Doesn't matter. You may have still owed some money or a contract break fee. I don't know. You may have still owed on the phone.

• 1:23:48Speaker 03

  No, the phone was paid off.

• 1:23:49Caleb Hammer?

  Well, I don't know. You called them?

• 1:23:51Speaker 03

  I've been trying to like defer, or not defer.

• 1:23:53Caleb Hammer?

  She hasn't even called them. She hasn't even called for... Guys, I cannot advocate for you if you will not have a phone call with the company that you owed money to.

• 1:24:02Speaker 03

  Uh, I think I've actually got an email that is from them, but I have been trying to dispute.

• 1:24:08Caleb Hammer?

  It doesn't matter. Why do you not at least call? I, I, I get the dispute. That's an important step.

• 1:24:12Speaker 03

  Yes.

• 1:24:13Caleb Hammer?

  Why not? Call Verizon. Hey, why do I owe this? Oh my goodness. How could you not start with the most basic thing? I cannot advocate for you if you can't even make a phone call. Uh, that's as bad as him not doing anything.

• 1:24:23Speaker 03

  So that one is under my dead name. Um, and with my legal name change, I don't know if they're gonna try and fight it.

• 1:24:29Caleb Hammer?

  You did a name change?

• 1:24:30Speaker 03

  A legal name.

• 1:24:31Caleb Hammer?

  Yeah, they legally changed their name. Oh, you do have a dude's name. No, wait, no you don't. Well, uh, I don't know. It's like the middle. I mean, mid.

• 1:24:38Speaker 03

  Wow, good job. I'm s-

• 1:24:40Caleb Hammer?

  You can go either way. I believe it, but yeah.

• 1:24:43Speaker 03

  Yeah, yeah. I know.

• 1:24:45Caleb Hammer?

  Okay, well, either way, just make a phone call. I don't know. Tell them.

• 1:24:48Speaker 03

  Yeah.

• 1:24:48Caleb Hammer?

  Hey, I'm trans. And like something happened to my name. Sorry, but I also have like, I can show you. It's me. I got my social security number. That doesn't change.

• 1:24:56Speaker 03

  Correct.

• 1:24:57Caleb Hammer?

  Okay, you have a collections 2,164 as well.

• 1:25:00Speaker 03

  Uh, is it the same as that one?

• 1:25:03Caleb Hammer?

  No, it doesn't look like it.

• 1:25:04Speaker 03

  Okay, there is one that says Balinsky.

• 1:25:08Caleb Hammer?

  That one didn't say. This one says Balinsky. 1023 is Balinsky.

• 1:25:12Speaker 03

  And the next one is a duplication of the same thing.

• 1:25:15Caleb Hammer?

  212? 221?

• 1:25:16Speaker 03

  There's one that it's the same exact amount and it's from the same place.

• 1:25:20Caleb Hammer?

  I think we got rid of the duplication.

• 1:25:22Speaker 03

  I've been fighting that for so long to dispute it on Credit Karma and they're just like, oh, there's nothing we can do about it.

• 1:25:27Caleb Hammer?

  Well, Credit Karma, no, you might have to be in touch with the actual bureaus.

• 1:25:31Speaker 03

  Oh, I didn't, oh shit, I didn't even think about that. There, I had my identity stolen a couple of years ago.

• 1:25:37Caleb Hammer?

  So I think we threw it away because we thought it was double? Oh, no, there is two.

• 1:25:44Speaker 03

  Yes.

• 1:25:46Caleb Hammer?

  Oh, two separate amounts. So maybe the 2164 was. Either way, charter you also owed 221.

• 1:25:53Speaker 03

  Spectrum, yeah.

• 1:25:54Caleb Hammer?

  So whatever is to what doesn't necessarily matter. We know we have all these collections and at this point, you're just gonna have to negotiate them down or get on payment plans.

• 1:26:01Speaker 03

  Right.

• 1:26:02Caleb Hammer?

  That's what it's gonna be. We need to budget you.

• 1:26:06Caleb Hammer?

  Try to budget this household. This doesn't work if you guys, you don't have to fully combine every account, but I think everything should go into a joint checking and then disperse from there. So we can always decide where money is going. We use Dollar Wise to understand where everything's going.

• 1:26:17Speaker 03

  Right.

• 1:26:18Caleb Hammer?

  You use your certifications, you get your education with Master Money. You do, you take advantage of all the tools like every guest has. You change your life like they have, but it doesn't work if you guys don't communicate. You need to go to a couples therapy and she shouldn't be the one that has to book it.

• 1:26:31Caleb Hammer?

  Like, stop being a little boy. You're being a little boy. And then I'm sorry for the gender term, but you're acting like a child. There we go. So 5,000 comes in. No debt minimums because they're all in collections. Well, student loans. Is there a minimum on that? 4,448?

• 1:26:48Speaker 03

  They're active, so I'm not quite sure.

• 1:26:50Caleb Hammer?

  But you should call them before it defaults and then they garnish your wages.

• 1:26:54Speaker 03

  I will. I mean, I guess. I don't know. Like, it just, it just started reactivating with the, I don't know, like something fell through. I don't, everybody's...

• 1:27:04Caleb Hammer?

  Something fell through?

• 1:27:05Speaker 03

  So I know that most people whose student loans were neutral, they weren't gaining interest.

• 1:27:12Caleb Hammer?

  Deferred. Yeah, they were on a deferment.

• 1:27:14Speaker 03

  Yeah.

• 1:27:14Caleb Hammer?

  Because the Supreme Court said no, so Biden... Yeah, deferred it for about, what was it like a year and a half? Yeah, but that's been, that's been done. It's been done for a while now.

• 1:27:23Speaker 03

  Right. So mine just started re- regrowing the interest on it.

• 1:27:28Caleb Hammer?

  Well, you can look at the new repayment assistance plan.

• 1:27:30Speaker 03

  Yeah.

• 1:27:31Caleb Hammer?

  That was passed into law through the one big beautiful bill. Well, you don't like it, however, it's gonna help you. So cry about this. Like, okay, listen, I don't like spending more than we bring in either, but you're gonna, this is actually helping you, so you can't fucking cry about it. It'll bring you down to like even as low as 1% of your income being your payment. Oh, that's actually not at all. Yeah, that's doable. It just extends the term. You have to have it before it's forgiven. But that's fine if you're only doing 1% because you shouldn't be as subsidized as you. You don't need to be. You're making your own career choices and spending money you don't have, so fuck you.

• 1:28:09Caleb Hammer?

  So what does it say the minimum is? Okay, let's put your debt minimums at 100. I don't know. Okay. What's your rent? Oh, 702. Yeah, 702 with the, the charge fee. Okay, what about internet, gas, electric, utilities, all that combined? We don't. Just about. Uh, with gas utilities.

• 1:28:26Speaker 03

  Uh, CPE is 21075. The water bill is around 100 a month. Uh, we are just getting internet installed, actually.

• 1:28:34Caleb Hammer?

  What's it gonna be? 50, I think.

• 1:28:37Speaker 03

  Safely say 60.

• 1:28:39Caleb Hammer?

  Okay, I'm gonna say utilities is 371. Boom bill!

• 1:28:44Speaker 03

  $90.

• 1:28:45Caleb Hammer?

  Huh?

• 1:28:46Speaker 03

  $90.

• 1:28:47Caleb Hammer?

  Okay.

• 1:28:49Caleb Hammer?

  Gas, boom, boom, drive, drive, one car, but how much do we spend?

• 1:28:52Speaker 03

  100 a month.

• 1:28:52Caleb Hammer?

  I was gonna say, yeah, probably 100 a month.

• 1:28:56Caleb Hammer?

  I wanna say.

• 1:28:57Speaker 00

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

• 1:29:26Speaker 04

  Probably 1:30.

• 1:29:30Speaker 03

  You wanna text your mom to double check?

• 1:29:31Speaker 04

  Yeah.

• 1:29:32Caleb Hammer?

  Oh wait, she pays for it?

• 1:29:33Speaker 03

  Yes.

• 1:29:33Caleb Hammer?

  So I'm crossing it out for now. Does she want you to pay for it?

• 1:29:36Speaker 04

  I can, we've been talking about getting a transfer over.

• 1:29:38Caleb Hammer?

  You don't need to. I would like you to eventually, but I want you to pay off your debt.

• 1:29:42Speaker 04

  Okay.

• 1:29:43Caleb Hammer?

  Get out of this collection situation.

• 1:29:44Speaker 04

  But they haven't given me a deadline of when they want me to.

• 1:29:46Caleb Hammer?

  Is maybe on titty?

• 1:29:48Speaker 03

  No.

• 1:29:48Speaker 04

  No. He's eating our food too.

• 1:29:50Speaker 03

  Yeah.

• 1:29:50Caleb Hammer?

  Okay. We should be able to do about 750 bucks in groceries. Meal plan, meal plan?

• 1:29:55Speaker 03

  Oh yes. Yeah, yeah, yeah.

• 1:29:56Caleb Hammer?

  Yeah, yeah, use the thing.

• 1:29:57Speaker 03

  Yeah, it's a regular thing.

• 1:29:58Caleb Hammer?

  Yeah. 750 is good. Okay, TP fun. Anything else you guys need to survive includes diapers and tampons and all that good stuff and makeup? 250 bucks. Jim, how much?

• 1:30:08Speaker 04

  Oh, I was gonna go to Planet Fitness.

• 1:30:10Caleb Hammer?

  That was your New Year's resolution. Three months in, you haven't signed up. Oh my, you can't do anything. Okay, how much is Planet Fitness?

• 1:30:16Speaker 04

  10 bucks.

• 1:30:18Speaker 03

  That's, yeah, that's for a basic membership, I'm pretty sure.

• 1:30:20Caleb Hammer?

  Okay, medical, healthcare, co-pays. I know you go get diagnosed and medicated for everything, so.

• 1:30:24Speaker 04

  Uh, co-pays for me are free, but monthly it's like $119 a month for my, uh.

• 1:30:31Caleb Hammer?

  Anything on your own? Medical that I have to think about monthly?

• 1:30:33Speaker 03

  Uh, no, since my.

• 1:30:35Caleb Hammer?

  Okay, $119. Subscriptions, I'll put 40 bucks. You have any pets? Please don't.

• 1:30:38Speaker 03

  Yes, two.

• 1:30:40Caleb Hammer?

  Why do the poor people always have pets?

• 1:30:44Caleb Hammer?

  Ha, what are they?

• 1:30:45Speaker 03

  They're two cats.

• 1:30:46Caleb Hammer?

  Health and age.

• 1:30:47Speaker 03

  They're seven years old.

• 1:30:48Caleb Hammer?

  Oh, yeah, okay. $100 pet insurance. How much for pet food?

• 1:30:52Speaker 03

  Uh, I think pet food is about.

• 1:30:53Speaker 04

  About 30 bucks.

• 1:30:54Caleb Hammer?

  Uh. And, and litter as well. And litter.

• 1:30:57Speaker 03

  Yeah, no, 100 bucks a month covers litter for, and food for both of them for a month.

• 1:31:02Caleb Hammer?

  Okay, anything else that needs to be in this budget? This lovely little budget before.

• 1:31:08Speaker 03

  Uh, Spotify, uh.

• 1:31:09Caleb Hammer?

  I gave you 40 dollars for subscriptions. You decided where that goes.

• 1:31:12Speaker 03

  Yeah, yeah, yeah.

• 1:31:13Caleb Hammer?

  Fucking 3,032 dollars. You have an extra, let's just be conservative and say 1,750 dollars off the monthly way. So that's if we're actually combined. Cause independently, it'll just get messy and you'll never know how much you have left over. Just save up a couple of emergency fund that takes literally a couple of months and then start negotiating these debts. Say, hey, I have this much to settle. Actually, or just pay them. Most of them are small. When it comes to the big ones like the 2,000 and the 2,000 and 1,300. Yeah, let's do some disputes as we can. But even still, just be like, yo, I got 1,000. That's all. Just keep doing that over and over again. Never give them access to your bank and just you'll pay off this, you'll pay off this collection in a matter of months. Then save up a fully funded six month emergency fund and then start doing 50, 30, 20, what you guys

• 1:31:55Caleb Hammer?

  even can on your income in that cheaper area. 50% to needs, 30% on fun, which is a decent amount of money. 20% saving for retirement. You'll be fine. My goodness. I don't understand why you guys overcomplicated this. It is because of your behavior, uncontrolled spending, because you guys can't communicate with what you guys actually need to focus on, which means go to couples therapy tomorrow. Gonna get the hammer financial score, but remember, donors for the post show, we are gonna download that app and we're gonna see what was being done on it. We're gonna let her look through your phone as well. For the first time ever, it's gonna be a groundbreaking moment. Hammer financial score, spending in a budget.

• 1:32:34Caleb Hammer?

  We spent 4,648. The income was 4,788. Okay. Oh, but cash app launch loan draw of 1,190 was a part of the income. So you spent more than you made. Zero out of 10. Debt collections, zero out of 10. Emergency fund, nothing. Zero out of 10. Retirement, nothing. Zero. Oh, wow. Everything's a zero. Hammer financial score is zero out of 10.

• 1:32:59Caleb Hammer?

  Get yours at kalehammer.com. Join Hammer Elite for three premium shows every single day, Monday, Tuesday, Wednesday, Thursday, Friday, Saturday, and get an extra 20 minutes of this show called the Financial Auto Show. It's gonna be good. I'll see you there. Download that shit now.

• 1:33:10Speaker 04

  So giving you a little tingle reading it?

• 1:33:12Speaker 03

  Eh, no.

• 1:33:13Caleb Hammer?

  What's he saying?

• 1:33:14Speaker 03

  I face palm as I remove my hands. Do you have a reason why you say you struggle to initiate, but you can't have a conversation?

• 1:33:27Caleb Hammer?

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

• 1:33:45Speaker 07

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