The Craziest Episode In Financial Audit History

*POST SHOW* okay, so clearly she could not tell me anything he did bad- so we called *her friend* and uhhhh okay, he's a bit cReEpY. He has set up cameras in her house just to track what she is doing every moment... watch here: https://hamr.link/ytjoin *OR* download the brand new Hammer Elite App ➡ https://hammerelite.com/#join (discounted annual) MY NEW FLAVOR IS FINALLY LIVE!! Get Liquid Assets *NOW* for under 40 cents per serving!! Get 10% off your entire order with code CALEB - https://hamr.link/calebdrank 💰 Download Dollarwise - Big Deals, New Features, Free Trial: https://go.dollarwise.com/join Mid-year audience survey 4 people will win $250 each take it here: https://forms.gle/a9neyA9aQUtFp6vM9 ============================= *Caleb Hammer Financial Resources* ============================= 👉 See if refinancing your high-interest debt saves money. Checking is free. → https://hamr.link/ytmoneylion2 👉 Get 5% Cash Back with Chime Card and qualifying direct deposits ➡ https://bit.ly/4bff5by 👉 Find and compare much better AND cheaper car insurance for free → https://www.moneylion.com/network/hammer-media/auto-insurance/search 👉 Finally experience relief from your debt once and forall → https://www.moneylion.com/network/hammer-media/debt-relief/explore ============================= 🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb 🔥 Get Your Own *Hammer Financial Score* → https://hamr.link/newquiz ============================= *Sponsors for This Video* ============================= You’re 30 seconds away from being debt free with PDS Debt. Get your free assessment and find the best option for you at https://PDSDebt.com/hammer $350 INTRO OFFER: Head to https://chime.com/calebh for up to $350 and 5% cash back with Chime® Thanks Chime for sponsoring this video! For the first time ever you can try NetSuite Next for FREE at https://netsuite.com/HAMMER If you or someone you know experienced serious mental health struggles as a result of social media use, you may be entitled to a potential recovery of over $1,000. Visit https://morganmorganpa.sjv.io/c/7273707/3841482/23429?sharedid=caleb-hammer to submit a claim now. ============================= *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://calebhammer.com/master-your-debt ============================= *Extra Resources* ============================= 👉 Land a high-paying job with no experience or degree: ➡ https://coursecareers.com/CalebHammer 👉 Get FREE MONEY by investing with Public! https://secure.moneymatchup.com/public-caleb 👉 Find the best credit cards for you with my quiz! https://cards.calebhammer.com/yt 👉 Get $20 from Acorns for free: ➡ https://acorns.com/caleb 👉 Helium Mobile: Use promo code CALEB for a FREE plan ➡ https://hellohelium.com/ 👉 Protect your online privacy and security for free with Aura: ➡ https://aura.com/hammer ============================= *Chapters* ============================= 00:00 Intro 01:38 Jobs & Income 03:56 sooo she contributes nothing financially lool 08:40 awww he has a fragile ego 14:20 shes a snake... youll see. 19:30 shes doing WHAT 28:10 never put your d*ck in crazy lol 32:50 look at how hard shes trying to make him look bad... 40:08 OH SHES JUST STRAIGHT UP FOR THE STREETS 54:30 i feel so bad for him, SHES SO EVIL 01:06:19 over an hour and she has made zero valid points lmaaao 01:20:00 chat, do we like her? let me know in the comments 01:39:14 Budget!! ============================= Want more content? ============================= 🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips 🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel 🍿 Caleb Hammer Top Videos https://www.youtube.com/@CalebHammerTopVideos ============================= *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.

• 0:00Caleb Hammer?

  To watch episodes of Financial Audit a week earlier, check us out on YouTube. It doesn't want me to publicly humiliate him, and I agreed that I wouldn't, but that talking about our marriage goes into our finances. So it's going to happen. Right now, we're sleeping in separate rooms and he's love bombing me like crazy.

• 0:17Speaker 01

  Yeah, all that.

• 0:19Caleb Hammer?

  Two days ago, you chose to leave and ask for a divorce.

• 0:24Speaker 01

  Yes.

• 0:24Caleb Hammer?

  So I'm gonna give you a chance to respond.

• 0:26Speaker 02

  So we'll go into the cheating. I'm sitting there at my parents and I get a text message from a random number. Your wife's a, your wife's a home wrecker. And then I get like five attachments of her, you know, shaking ass. No panties, uh, t's playing with herself on the toilet. This has happened like two times already. From the day that I met her, it has been nothing but trust issues because she's like, oh, this guy told me, you know, back in high school, if I threw a bag over my head, he'd the shit out of me. Bro, why the would you sit there and tell me that as I'm sitting in bed laying next to you trying to go to sleep?

• 0:58Caleb Hammer?

  You do all the bad things and now you say you don't even know if you want to stick around and you're making them wait. All the pre-interview stuff was interviewing you mostly. And everyone's expectation when I see who's gonna be the bad guy in this conversation, so far, you are the bad guy. I already launched Liquid Assets, my official Gamer Sub's flavor, Raspberry Apple, and it's been selling like crazy. Here's the update. The free gift stacking promo from Christmas in July has officially sold out, but the flavor hasn't. Zero sugar, under one calorie, a hundred servings a tub, same nootropic blend, same full vitamin stack, still just four scoops a day, max. Code Caleb still gets you 10% off your entire order and there's still a shot, one out of every 10, that your tub comes with my face on it.

• 1:40Caleb Hammer?

  All you need to do is head to gamersubs.gg slash Caleb or click the link in the description below.

• 1:47Speaker 01

  Hi, I'm Samantha. I'm 26.

• 1:49Speaker 02

  I'm John and I'm 22 and we live in low E Texas.

• 1:52Speaker 01

  And this is Financial Audit.

• 1:55Caleb Hammer?

  Guys, thanks for coming over to Austin from Longview. Samantha, let's start with you. What do you do for a living?

• 2:01Speaker 01

  I am a stay at home mother.

• 2:03Caleb Hammer?

  You sure are. Listen, out there in my kitchen right now are these three adorable, honestly, children that are causing chaos. But you know, I support it. Uh, beautiful family. Love it. So obviously that's not money. I'm gonna need you to make a lot of money because there are a lot of kids and there's a big household to deal with here. What do you do, John?

• 2:22Speaker 02

  Um, I'm a line clearance tree trimmer. So I trim trees that are like.

• 2:28Caleb Hammer?

  Talking for like the electricity.

• 2:29Speaker 02

  Yeah, I work for a company called.

• 2:32Caleb Hammer?

  Okay. Um, well, let's leave the name of that company specifically, but what do you make?

• 2:36Speaker 02

  Um, it averages because you know, during storm season, I can make five, six grand a month.

• 2:42Caleb Hammer?

  So it's on call, so it's hourly paid and it's on.

• 2:44Speaker 02

  Twenty-four, seven through 65.

• 2:46Caleb Hammer?

  Hmm.

• 2:47Speaker 02

  So.

• 2:47Caleb Hammer?

  So average month, what are we making?

• 2:49Speaker 02

  Uh, 45 to 48.

• 2:52Caleb Hammer?

  It's your account?

• 2:54Speaker 02

  Um, after taxes, probably not, no.

• 2:57Caleb Hammer?

  How much then?

• 2:58Speaker 02

  Um, I have my entire family on my insurance. So I have her, all three kids and myself. So they take out.

• 3:05Caleb Hammer?

  That makes sense. You're the only working person.

• 3:07Speaker 02

  Yeah, they take out quite a bit. So I probably, I think I'm supposed to be getting close to like, I think it's like 11 something.

• 3:14Caleb Hammer?

  A month? No.

• 3:16Speaker 02

  No, a week.

• 3:17Caleb Hammer?

  Oh.

• 3:18Speaker 02

  No, a week.

• 3:19Caleb Hammer?

  What are we calling it? 1150?

• 3:20Speaker 02

  Uh, yeah, we'll say like 1150 before taxes and then after taxes, I'm getting like maybe barely pushing nine, like nine 15.

• 3:30Caleb Hammer?

  Okay, nine 15 a week.

• 3:32Speaker 02

  A week.

• 3:33Caleb Hammer?

  Times 52 divided by 12.

• 3:35Speaker 02

  Yeah.

• 3:35Caleb Hammer?

  So $3,965 a month. I'm glad at least health insurance is taken before that number, but even with that, a family of five.

• 3:48Caleb Hammer?

  How we do, how we doing?

• 3:49Speaker 01

  It's a little hard. It's a little hard. Oh, well, so I'm a stay at home mom, but I've had a few like side businesses.

• 3:58Caleb Hammer?

  Oh, businesses. Why not just side gigs working for like someone who has a business that makes money instead of you trying to do this business? Come on, what's your side business? What are you making in the attic?

• 4:09Speaker 01

  Um, I don't do it very often. It's kind of hit or miss.

• 4:11Caleb Hammer?

  What is it?

• 4:12Speaker 01

  Detailing. Well, I have two, baking and detailing. And I know, yeah, baking.

• 4:17Caleb Hammer?

  Oh, yeah. Okay, great. So you don't make money.

• 4:20Speaker 01

  No, nope.

• 4:21Caleb Hammer?

  Okay. And do you support her doing these things?

• 4:24Speaker 02

  Yeah, dude, I pay for all of it.

• 4:26Caleb Hammer?

  You've paid for all of it? You guys don't make money. So it's just, he's paying you to do your hobby. So you feel good while you make nothing.

• 4:32Speaker 01

  Basically.

• 4:33Caleb Hammer?

  Okay.

• 4:35Caleb Hammer?

  Okay. I mean, I don't know if I'd be giggling if family of five, $4,000 and not, and not the cheapest area. I mean, it's also not the most expensive area to be clear of Texas, but like it's not. This isn't dirt cheap.

• 4:49Speaker 02

  Yeah, well, that's a, that's on basic 50 hour weeks. So, I mean, I do get overtime. I do get callouts and stuff like that. So my paycheck does vary. Quite often, actually. I get called out more than.

• 5:00Caleb Hammer?

  Well, I'm glad there is higher months, but if that's our average month still that is concerning. Now my big question is, I don't know who this note is from, but why is she not quote permitted to work outside the house?

• 5:14Speaker 02

  Permitted. I actually.

• 5:15Caleb Hammer?

  Okay, that must've been her then. What the?

• 5:17Speaker 02

  Cause no, that's exact, that, that.

• 5:19Caleb Hammer?

  Oh, that's you.

• 5:20Speaker 02

  No, that's her, that's her. Cause I.

• 5:21Speaker 01

  So it.

• 5:22Caleb Hammer?

  You tell me then. I want to hear her say it.

• 5:25Speaker 01

  That part goes into the thing we didn't want to talk about.

• 5:29Speaker 02

  We'll say it's trust issues. We'll leave it at that. Anyways, um, I never once told her she couldn't work outside. I actually told her to get a weekend job and she told me she didn't want to because she didn't want to give up our weekends together. So.

• 5:41Speaker 01

  So, so, okay.

• 5:42Caleb Hammer?

  Well, I, I'm confused because I'm not going to talk about the thing we're not going to talk about.

• 5:45Speaker 02

  Yeah.

• 5:45Caleb Hammer?

  But I want to know why you're not permitted to work outside the house.

• 5:48Speaker 01

  So.

• 5:49Caleb Hammer?

  Without mentioning the thing we can't talk about.

• 5:51Speaker 01

  So because of that, because of that, he didn't want me to work outside the house. I was allowed to, but he didn't want me to. And, uh, so we talked about me getting a home job, like a work from home job, like customer service or some shit.

• 6:05Caleb Hammer?

  They agreed to talk about it in the post show. So you have to see the post show for that. Okay. So, but what does that leave you with? What does that leave her with? What can she do?

• 6:14Speaker 02

  I mean, I, I told her she can go get a job on the weekends. Like, I mean, gas stations, you know?

• 6:18Caleb Hammer?

  So when you're able to be home for the, no, you're 24 seven. So.

• 6:21Speaker 02

  Yeah, but that, that's the thing though, is I can decline callouts. Like if she's working and she's got a steady paycheck, then I'm, I can decline the call out. If there's other people on call, like my boss and I, we have a pretty decent relationship. He knows I have an outside life. And I've got kids and I gotta take care of them. And if he knows my wife's at work and I'm taking care of my kids, he's not gonna make me come in.

• 6:40Caleb Hammer?

  What's y'all's dynamic here? So I'm getting a weird read, I'll be honest. Plus just a little bit of tea, I know behind the scenes, which is rare.

• 6:51Speaker 02

  Okay.

• 6:51Caleb Hammer?

  For this episode, not, not y'all's tea that you told me, tea that, uh, a producer told me, but what is your guys' dynamic?

• 7:00Speaker 02

  Can you specify what you mean by dynamic?

• 7:02Caleb Hammer?

  Of you guys in your relationship and how you guys do things and everything. I'll let that go how you guys want to.

• 7:10Speaker 02

  Um, so I'll, I'll be honest. I'm not gonna sit here and I'm not gonna bullshit. I'm, I'll be honest.

• 7:16Caleb Hammer?

  Appreciate that.

• 7:17Speaker 02

  Um, I've been selfish. I mean, I grew up super like dirt poor. I had eight adults, six kids, living in a two bedroom, one bath house. So I've always been, if I want it, I'm gonna get it. And I've been that way since.

• 7:29Caleb Hammer?

  The first thing you wanted were gay nose piercings?

• 7:32Speaker 02

  No, I, I got these a long time ago. Actually, I was 15.

• 7:36Caleb Hammer?

  Okay.

• 7:37Speaker 02

  Yeah.

• 7:37Caleb Hammer?

  Bottoming at 15. That's interesting. Okay.

• 7:42Caleb Hammer?

  Uh, okay, but go on.

• 7:43Speaker 02

  But yeah, if I wanted it, I'd just kind of go out there and get it. So I've been, I'd, and I've always had that selfish mindset even when I met her. So, and that's just kind of how I've been since then. I've worked on it. I've been a little bit better, but you know, I still struggle with it.

• 8:02Caleb Hammer?

  What are you holding back right now? Look at you. You're holding something back. What is?

• 8:05Speaker 01

  I mean, I mean, I don't really hold anything back because.

• 8:08Caleb Hammer?

  Samantha, please. I saw you.

• 8:10Speaker 01

  He definitely knows that he's selfish and I'm glad that he can admit that. I'm glad that he's come to senses with that because.

• 8:16Caleb Hammer?

  Uh huh. Is he coming to senses with it or is he coming to the senses with it for the show?

• 8:21Speaker 01

  I think a little bit of both, a little bit of both. But I mean, it's something that we've been talking about for the last, like,

• 8:32Speaker 01

  I don't know how long. It took, it took a little bit of confrontation.

• 8:36Caleb Hammer?

  What was the confrontation? Cause you applied for the show. He refused to come on the show. I'm glad you eventually decided to.

• 8:42Speaker 01

  So.

• 8:43Caleb Hammer?

  Which apparently was this week.

• 8:45Speaker 01

  Yeah. Yeah. The whole thing was, is he didn't want to come on the show because as a 22 year old male, man, he didn't want.

• 8:54Caleb Hammer?

  By the way, but.

• 8:55Speaker 01

  He didn't want another grown man telling him what to do with his finances.

• 9:00Caleb Hammer?

  Why?

• 9:00Speaker 01

  Cause he thought that his finances were great.

• 9:03Caleb Hammer?

  Well, you're on this show, so I'm gonna give you a spoiler.

• 9:05Speaker 01

  The reason that he thought his finances were great was because we just bought a house and he's 22, which is a big deal for a 22 year old.

• 9:12Caleb Hammer?

  Not really with FHA, not really. You can immediately rush into a decision that is completely unreportable and a dumbass decision.

• 9:19Speaker 01

  Yeah, no.

• 9:20Caleb Hammer?

  Okay, but I'm saying like, anyone could rush into that. Doesn't mean it's good or doesn't completely put you in the hole.

• 9:26Speaker 01

  Yeah, which.

• 9:27Caleb Hammer?

  What was the price of the house?

• 9:29Speaker 02

  Nothing, 130.

• 9:30Speaker 01

  No, no, no, no, no, no, no, no. It was 92.

• 9:33Caleb Hammer?

  Okay. So it was, by the way, less than a fourth of the median home price in the United States. So also less of a bragging point. Is it a home?

• 9:41Speaker 02

  Yeah.

• 9:41Speaker 01

  Yeah.

• 9:42Speaker 02

  It's a brand new house. 2025.

• 9:44Speaker 01

  My home.

• 9:44Caleb Hammer?

  Okay. So you don't own a house.

• 9:46Speaker 01

  I'm on a mobile home.

• 9:47Caleb Hammer?

  You own a trailer.

• 9:48Speaker 01

  Yes.

• 9:49Speaker 02

  Yeah, it's a four bedroom, two bath.

• 9:50Caleb Hammer?

  But it's not a house.

• 9:51Speaker 01

  It's a trailer is a trailer.

• 9:53Caleb Hammer?

  It's not an appreciating asset. I'm not trying to shit on your braid, but I like, if we're coming in here and we're like.

• 9:58Speaker 02

  I mean, it's a roof over.

• 9:59Caleb Hammer?

  It is a wanted other man bragging about it, talking about his finances. He thinks he bought a house and wanted to. It's like, I mean, brother. Yeah. Like, I mean, that's great. No, no, it's safe for your kids. That is good. But if, if we're talking house, appreciating an asset, there is a realistic conversation to be had there where.

• 10:17Speaker 02

  Yeah.

• 10:18Caleb Hammer?

  You are in a, doesn't depreciate as much as it has in the past, but still likely depreciating asset. Do you own the land that it is on?

• 10:24Speaker 02

  No.

• 10:24Caleb Hammer?

  Then what are we talking about?

• 10:26Speaker 02

  It's a, it's a, it's kind of like a package deal. It was a, we found a guy. He said that we could pay almost a quarter of the price that everybody else was charging and put our house out there, uh, hookups.

• 10:37Caleb Hammer?

  Well, I feel like you've just got sold on.

• 10:39Speaker 01

  It's basically a trailer park. It's an empty trailer park because it's brand new.

• 10:43Speaker 02

  Yeah.

• 10:43Speaker 01

  Brand new.

• 10:44Caleb Hammer?

  Well, get ready for whoever's gonna move in. You guys don't look like the people that like who's gonna move in.

• 10:51Caleb Hammer?

  Actually, no, they usually look like you, actually, in trailer parks.

• 10:54Speaker 02

  That's crazy.

• 10:55Caleb Hammer?

  Usually, section eight is what I was thinking.

• 10:56Speaker 02

  Section eight.

• 10:57Caleb Hammer?

  Yeah, you guys would like that one.

• 10:59Speaker 01

  That's crazy.

• 10:59Caleb Hammer?

  Is it?

• 11:00Speaker 01

  Yeah.

• 11:01Caleb Hammer?

  Is that crazy?

• 11:02Speaker 01

  It's crazy.

• 11:03Caleb Hammer?

  You guys look like Trailer Park.

• 11:04Speaker 02

  Trailer Park, huh?

• 11:06Caleb Hammer?

  Well, you live in a trailer park.

• 11:08Speaker 02

  I haven't lived in a trailer park my whole life.

• 11:10Caleb Hammer?

  You live in a trailer park now.

• 11:11Speaker 02

  Yeah.

• 11:12Caleb Hammer?

  I'm not shitting on you. I was making a joke that you guys look like you live where you live, and that's okay.

• 11:17Speaker 02

  Yeah.

• 11:17Caleb Hammer?

  There's nothing wrong with it. I just, I do want to separate the idea of like, literally owning an asset and land with a depreciation. Sometimes that's what you have to do in the world of markets.

• 11:27Speaker 02

  And that's what I'm, that's what I'm doing. I got a, I got a job.

• 11:30Caleb Hammer?

  Well, there you go. A new job.

• 11:32Speaker 02

  Yes, in Louisiana.

• 11:33Caleb Hammer?

  Oh.

• 11:34Speaker 02

  Um, it's a lot more.

• 11:36Caleb Hammer?

  Wait, are you picking up the trailer and moving it?

• 11:39Speaker 02

  No, we're gonna rent it out.

• 11:40Caleb Hammer?

  Gonna rent out the trailer?

• 11:41Speaker 02

  Yeah, I have a buddy. He's a diesel mechanic for Halliburton.

• 11:45Caleb Hammer?

  Oh, okay.

• 11:46Speaker 02

  Um, it's an oilfield company. Um, he makes consistent money, so can take care of it if he.

• 11:52Speaker 01

  Pretty decent money.

• 11:53Speaker 02

  You know, I told him a certain price, I'd pay, you know, the lot and some of the utilities. And then, other than that, we're gonna, I'm gonna pick up, me and my family, and we're gonna move up to Louisiana. And I'm making almost triple what I'm making now.

• 12:05Speaker 01

  I'm okay with it.

• 12:06Caleb Hammer?

  You're okay with it?

• 12:06Speaker 01

  Um, yeah.

• 12:09Caleb Hammer?

  Are you?

• 12:10Speaker 01

  So, I'm okay with the aspect of picking up and moving, but I'm not.

• 12:13Caleb Hammer?

  Are you?

• 12:14Speaker 01

  I'm, I'm kinda in a way not okay with who he wants to move in.

• 12:18Caleb Hammer?

  What?

• 12:18Speaker 01

  Like, who he wants to move into the house that we just bought.

• 12:22Caleb Hammer?

  Girl, that's not what the fuck I'm talking about.

• 12:24Speaker 01

  I know. I'm, I'm okay with the, the whole him getting the job, and it is way better money, for sure. And it'll kinda set us up a little bit further into life, but.

• 12:41Caleb Hammer?

  Come on.

• 12:42Speaker 01

  Come on what?

• 12:45Speaker 01

  I mean, I don't, I don't wanna move, but it's, it's something that I'm okay with, like.

• 12:53Speaker 02

  I'm not gonna intervene. Don't let her lie to you. She's always talking about how she wants to move out of Texas.

• 12:57Speaker 01

  I mean, yeah.

• 12:58Speaker 02

  It's always, you know.

• 13:00Speaker 01

  We, I've been talking to him, because we have had issues with both of our families for the entire time we've been together.

• 13:06Caleb Hammer?

  I think there's a bigger issue you're not talking about.

• 13:11Speaker 01

  Well, I mean, our relationship, yeah. There's a lot, a lot of problems with that.

• 13:16Caleb Hammer?

  What about it?

• 13:17Speaker 01

  So.

• 13:17Caleb Hammer?

  If we're picking up and moving.

• 13:20Speaker 01

  Okay, so, we just recently had a very serious conversation about me leaving, about separating.

• 13:29Caleb Hammer?

  Interesting.

• 13:30Speaker 01

  And that kind of went in with the whole moving situation, so he found out about the job and applied for the job and everything before we had the conversation. And then, he has, he was still waiting on hearing back from the job, but that's whenever I was like, okay, we were going through some shit, and I was like, heck. Uh.

• 13:53Caleb Hammer?

  I would like both of you to turn around right now. Just your heads. Just your heads. Yeah, turn around. You see that man?

• 13:58Speaker 01

  Mm-hmm.

• 14:00Caleb Hammer?

  He's anonymous. No one in the audience knows who he is. He sits at the front. He never sits in this room.

• 14:05Speaker 02

  Right.

• 14:06Caleb Hammer?

  That's a rare situation. He's my security guard.

• 14:09Speaker 02

  Okay.

• 14:09Speaker 01

  Okay.

• 14:11Caleb Hammer?

  Buddy, she sent us an email two days ago.

• 14:14Speaker 02

  Okay.

• 14:15Caleb Hammer?

  I guess she's too much of a coward. I just wanna lay it on you, because this is reality that you need to deal with.

• 14:22Speaker 02

  Yeah, I'd like to hear it.

• 14:23Caleb Hammer?

  Yeah, and I think you should. What the fuck's wrong with you? Why don't you just tell this man shit?

• 14:27Speaker 01

  About me wanting to leave?

• 14:29Caleb Hammer?

  Here it is, the email.

• 14:30Speaker 02

  Right.

• 14:31Caleb Hammer?

  Two days before coming on the show.

• 14:33Speaker 02

  Okay.

• 14:33Caleb Hammer?

  This is, what is it, Friday? So this was sent Wednesday. So, straight from her, screenshot. Okay. So, "I've been planning to leave for the last few months, as you know, and he almost found out, because I was talking to my best friend about it. He's seen the texts, we got into a huge fight, and he tried to make me choose between him and her. I chose her. We tried to fix things, but then he woke me up after getting our son to bed and made me give him my phone, so he could go through it. I finally got to the point where I told him I was done. I wanted a divorce.

• 15:14Caleb Hammer?

  Then it went from a divorce to a separation, and every time I tell him I'm done and leaving, he kisses ass and does and says everything he can to make me change my mind." Sound like the beginning of this conversation so far?

• 15:29Speaker 01

  Yeah, I mean, we've all talked about.

• 15:31Caleb Hammer?

  So, "I asked him if he'd be willing to go on the show with me. He said, as long as we didn't talk about our marriage." Oh, well, I didn't know that rule. Is that a rule? You guys did not tell me that before, or else I would not be reading this.

• 15:43Speaker 01

  Well, so, he originally said that.

• 15:46Caleb Hammer?

  I, oh, he took it back, okay. "I said, well, that's part of our finances. He doesn't want me to publicly humiliate him, and I agreed that I wouldn't, but that talking about our marriage goes into our finances, so it's going to happen. Right now, we're sleeping in separate rooms, and he's love bombing me like crazy."

• 16:05Speaker 01

  Yeah. All that.

• 16:07Caleb Hammer?

  Two days ago, you chose to leave and asked for a divorce.

• 16:12Speaker 01

  Yes.

• 16:15Speaker 01

  He, he, like, we, this was a conversation we've been having for the last, what, three, four days?

• 16:19Caleb Hammer?

  How do you feel that she emailed us that? That is a wild thing to email. That's not an email we get.

• 16:24Speaker 02

  She told, she pretty much told me all this in text messages. Like, I mean, she's not keeping.

• 16:28Caleb Hammer?

  In text message?

• 16:29Speaker 02

  Yeah, she told me. But if, we can maybe go into it, so you know, we're reading emails and shit like that. Um.

• 16:36Caleb Hammer?

  Yeah, yeah, yeah. So, no, I'm gonna give you a chance to respond.

• 16:39Speaker 02

  We, we wanna go deep into it. We can go, we can go, we can go pretty deep. So, we'll go into the cheating. Um, so.

• 16:45Caleb Hammer?

  Well, that's your, oh, you can if you want.

• 16:47Speaker 02

  I've been through a lot as a kid, and I explained that to her, and she just doesn't understand, and she doesn't grasp the concept that I have the wall built up. And she's always just kind of, you know, I guess, overlooked the fact that I don't, I don't trust people, I don't, I don't open up, and I don't do a lot of that shit. And I, for the longest, I didn't, I didn't have a girlfriend, and when I met her, first day I met her, she was like, oh, I'm, I'm gonna have your last name. I'm like, you're crazy, dude. I just met you like two hours ago. You know, and then it, it happened. You know, I married her, and it's not something that I regret. I love it. I mean, I love her.

• 17:24Speaker 02

  But for years, I've struggled with trying to open up and talk to her about a lot of shit, and she just, she didn't like, understand that I wanted her to be there with me. Like, I wanted her to be there for me. I didn't want her to try to heal me, if that makes sense. And so, there was a point where she was like, okay, we need separation. So, I was still paying, I was still paying bills, all the bills, right? Man, she's still sleeping in the house. I'm made to go and stay at my mom's house, and then, um, I paid for a vacation in Galveston.

• 18:02Speaker 02

  I bought a Airbnb, a beachside house for my family, my whole family, my mom, my dad, my brothers and all that shit, and we all go out there and we enjoy a good time. But I don't get to go out there, because I work during the week. So, Friday, I go and I pick her up, and, you know, we're talking, and we're trying to figure out what's going on. And she was like, I need more time to think after I leave, after we leave Galveston. We come back, and I think maybe like four, five days after that, she's like, okay, I'm ready, I'm ready for you to come home. Keep in mind, this has been almost like, I'd say about a month, maybe three, four weeks, and, um, so, I come home, and two months go by, and I'm talking like,

• 18:43Speaker 02

  at this point, I thought I was a fucking issue. So, I just, I completely changed who I was. I was nicer. I was more energetic. I, I sold my gaming console. Like, I spent three grand on a gaming PC, and I sold it so that we could spend more time together. I sold it for three.

• 18:58Speaker 01

  You spent the, you sold the gaming console way before.

• 19:01Speaker 02

  No, I didn't. I sold it because she wanted to go spend some time with her grandmother, and we were tight on cash, so I sold it for 350 bucks, so we could go to Paris, Texas, and visit her grandmother. So, that, that's why I sold my console. And, um, I, it comes to find out, it was in, I think, August? Yeah, August. Um, she didn't tell me. Two months passed, and she didn't tell me a thing. And I'm sitting there at my parents' Darren family dinner, because we do that every Sunday, and I get a text message from a random number. "Your wife's a whore. Your wife's a home wrecker, this, this, and that." And I'm thinking like, bro, what? What are you talking about? So, I was like, who is this? And they're like, you don't need to know, just know that your wife's a whore. And I was like, I don't, I don't have any proof, I, this, this, and that.

• 19:44Speaker 02

  And then I get like five attachments of her, you know, shaking ass, no panties, uh, titties, playing with herself on the toilet next to the bath, all kinds of shit. And for about a year, you know, it hasn't even been a year yet. In August, it'll be a year. Uh, for a year, I struggled, and I told her, I was like, dude, I was like, you, you're gonna have to, you're gonna have to show me, you're gonna have to regain my trust, you're gonna have to regain my respect and all this, and it just feels like every time we get somewhere. Close, it's it's just never enough for her. It feels like she just. She wants to have it done like this, like a microwave. She's impatient. She always has been and all her friends and her family will tell you that she is very impatient.

• 20:29Speaker 02

  And she's very impatient and it hasn't even been a year since you cheated on me and now. I feel again like I'm a bad guy, so. In depth on our way up here yesterday, I explained in depth to her the trauma that I had been through. So.

• 20:43Caleb Hammer?

  So.

• 20:43Speaker 02

  That's what I have to say, sorry.

• 20:44Caleb Hammer?

  No, no, it's good. Listen, and since you mentioned it, now I'm gonna.

• 20:51Caleb Hammer?

  Talk about it since you brought it up. That was his, no, but since he wanted to talk about it, I'll allow it. Unless there's something I'm missing here, kind of have to ask like, how dare you? You have a child, you've done that of what she talked about. And now you're sending us an email two days before coming on the show saying you want to leave. You're doing it again. She's doing it again, right? Would you say?

• 21:14Speaker 02

  Yeah, that's what it seemed like and she was like, I'm sitting there and I'm like, I'm overthinking and stuff like that. Cause at this point dude like. I understand I'm a dick. I I get it. I do.

• 21:24Caleb Hammer?

  Are you?

• 21:24Speaker 02

  I'm a dick. Yeah, I'm an asshole. I'm be a hundred percent honest. I'm an asshole.

• 21:28Caleb Hammer?

  Okay.

• 21:28Speaker 02

  And. I told her that from the get go. She knew that. She knew I was an asshole. But she told me that she didn't fall in love for me for who I was. She fell in love with me for who I could become. So from the get go, she was trying to change who I was and I never wanted that. I just wanted her to be there for me.

• 21:45Speaker 01

  We just talked about this about this the other day too.

• 21:48Caleb Hammer?

  Well, this is your opportunity to respond. He he he let his heart out and I respect you for that, John, but Samantha, the. There's a lot there and you seem like the biggest piece of shit ever.

• 21:58Speaker 01

  Yes, I do. I do. I really do. Okay, so yes, cheating, wrong, shouldn't have, should have done it. But listen, but listen.

• 22:07Caleb Hammer?

  Well, good news, John, it's wrong.

• 22:09Speaker 02

  Yeah, this is what she's been telling me for a year.

• 22:11Speaker 01

  Okay, this is, this is, this is what I've been telling him for a year. Okay, so. For a year. We were together for. How long were we together before it happened? Like two years?

• 22:23Speaker 02

  Yeah, we dated for a year and then we were engaged, engaged for a year.

• 22:26Speaker 01

  Uh, no, two years isn't that long. Okay, so when we first met. Our relationship started off very shitty, very shitty. We, from the get go, from the moment we met, it started off very shitty. So. We're gonna go into it. I'm gonna go into it like you said. So when we first met, we were supposed to be one night stands.

• 22:48Caleb Hammer?

  Mind her, uh, the cheater is the one with the cross tattoo on her.

• 22:53Speaker 01

  I was sixteen. I was sixteen, come on now. It was a thick and poke and I was sixteen. Anyways, so. We were supposed to be one night stands for both, on both ends, on both ends. We were both going through shitty times in our lives and we needed. Something to fill that void, so that's what we went to.

• 23:09Caleb Hammer?

  During the separation?

• 23:10Speaker 01

  Huh?

• 23:11Speaker 02

  No, dude, I was nineteen, she was twenty-two.

• 23:13Speaker 01

  Yeah.

• 23:14Caleb Hammer?

  Okay, so at the beginning you're saying.

• 23:16Speaker 01

  At this is at the very beginning. So I'm I'm basically like explaining like what led up to it. Okay, so yeah, started off very shitty. I had my own vehicle. My dad paid for it. My, I was basically daddy's money girl, cause my dad made hella money and.

• 23:33Caleb Hammer?

  So you suck another dude's dick? I'm confused. Continue.

• 23:36Speaker 01

  Talking about my actual biological father.

• 23:39Caleb Hammer?

  No, I know, but I'm confused how this leads to you being no.

• 23:41Speaker 01

  Okay, okay, okay. So. He used me for money for see, yes, used me. So I was working at what we call a titty bar. I was a dancer, an exotic dancer, but I did not.

• 23:54Caleb Hammer?

  Why, why can't we use the word?

• 23:56Speaker 01

  Cause I wasn't.

• 23:57Caleb Hammer?

  Was your tits out?

• 23:58Speaker 02

  No.

• 23:59Caleb Hammer?

  Oh.

• 23:59Speaker 02

  She wore like.

• 23:59Speaker 01

  Lingerie, like lingerie that covered everything. No cleat, no, no nipples, no nothing. Like we couldn't even wear a thong. We had to wear.

• 24:06Caleb Hammer?

  Okay, okay, that's fine.

• 24:08Speaker 01

  Okay, so yeah, titty bar. I was working at a titty bar. I was bringing in like hundred fifty dollars to two hundred dollars. Every night for like four or five hours of work. So that money. I was kind of. I became attached very easily, very quickly and. I was kind of in a way trying to buy his love, cause that's what I was used to with my family. So anything you wanted, alcohol.

• 24:33Speaker 01

  Um, food. Um, if he wanted to go somewhere, I took him because I had a vehicle.

• 24:40Caleb Hammer?

  Were you using her?

• 24:41Speaker 02

  Yeah, dude, we weren't even dating. It was the first time I met her.

• 24:44Caleb Hammer?

  You weren't even dating, so it's like.

• 24:47Speaker 01

  Okay, so that's one thing that we.

• 24:48Speaker 02

  She wanted to hang out with me and I was like, no, I don't wanna, I don't wanna hang out with you. And she was like, I'll buy you this, this and this. And I was like, okay, cool.

• 24:54Speaker 01

  That's not how it, that's not how it went. That is not exactly how it went. The way that it went was I'd ask him if he wanted to hang out. And I'd be like, okay, well, these are the plans if you do want to hang out and then we do it. Like he agreed to hang out. So he wasn't always like, okay, I'm gonna request this and then we can hang out. It was, we made plans together and then he was like, okay, I don't know. And then he was like, okay, yeah, sure. So it was kind of iffy.

• 25:23Caleb Hammer?

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

• 26:05Caleb Hammer?

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• 26:50Caleb Hammer?

  Your card rewards are crap and then overdraft fees come in and finish the job. It is dumb. And that is why Chime is interesting to me. It's America's number one choice for banking and their high yield savings account earns three point seven five percent APY. That is nine times higher than the national average. To put that into perspective, if you've got ten grand sitting there, that's about three hundred eighty-two dollars a year. Instead of like basically lunch money. And there's no monthly fees or minimum balance requirements. You can also get five percent cash back with the Chime card in a category you choose every month. I'd pick groceries because food is offensively expensive. Three point seven five percent APY and five percent cash back are already two good reasons you should be running to click the link and making the switch to Chime.

• 27:32Caleb Hammer?

  But if your last two brain cells are still arguing over whether free money is good, then let me give you a third. Up to a three hundred fifty dollar bonus with a new Chime checking account exclusively through my link, chime.com/caleb. It'll be at the top of the link in the description box or you can scan the QR code on screen. Make sure you go through my link for the bonus. If you somehow mess this up with a link and a giant QR code directly in front of you, I genuinely cannot save you. All right, back to the financial chaos.

• 27:59Speaker 01

  It was on both of us. We both decided to make plans with each other.

• 28:03Caleb Hammer?

  But you got together. You guys eventually dated, right?

• 28:06Speaker 01

  Yes, okay, so listen, so.

• 28:09Speaker 02

  No, it'll get to a point.

• 28:10Speaker 01

  Yeah, the reason that we started dating is because. I had a pregnant, or we had a pregnancy scare. So we got a positive pregnancy test, right?

• 28:18Caleb Hammer?

  Is that slick where she said I? Not we?

• 28:22Speaker 01

  Well, it was kind of me at first because of the fact that he wasn't there.

• 28:30Speaker 01

  He was using my vehicle and my money to go and sleep with another girl.

• 28:37Caleb Hammer?

  Were you guys official?

• 28:38Speaker 02

  No.

• 28:38Caleb Hammer?

  Okay, then I don't care.

• 28:39Speaker 01

  No, okay, so.

• 28:40Speaker 02

  She holds that above my head all the.

• 28:43Caleb Hammer?

  Really? You weren't official?

• 28:44Speaker 02

  Four years, dude, it's been nothing. I don't care if we were official. It all, it still meant something to me. We never had a title. We were and that was it. And that's how it, that's how I always explained it to her and she's always, it always meant something to me.

• 28:56Caleb Hammer?

  Yeah, that's young people having fun. I don't know.

• 28:58Speaker 01

  Yeah, I mean.

• 28:59Speaker 02

  I was nineteen, dude.

• 29:00Speaker 01

  You gotta think about it though, is like, it's not just you that shit affects.

• 29:05Caleb Hammer?

  No, well.

• 29:06Speaker 02

  Yeah, but it's a mindset that you have to have, like. You have to understand, like, we don't have a title. You're like, I have no ownership.

• 29:14Speaker 02

  I go and do what I want, right? Like, I was nineteen, fresh out of high school.

• 29:17Speaker 01

  Sleeping with both of us. Like, he'd go to his house on the weekdays.

• 29:21Caleb Hammer?

  Just was anyone exclusive?

• 29:23Speaker 01

  No.

• 29:24Caleb Hammer?

  Then, then what are we talking? If we're not exclusive, I mean, is it the most moral thing in the world? I'm not gonna just sit there and give like the moral award, but.

• 29:33Speaker 01

  Disgusting, like.

• 29:34Speaker 02

  Yeah.

• 29:35Caleb Hammer?

  It's.

• 29:35Speaker 01

  And it's still disrespectful.

• 29:36Speaker 02

  I mean, so is what you did, but hey.

• 29:39Caleb Hammer?

  Yeah, I mean, there, yeah, that, come on, who it's coming from.

• 29:42Speaker 02

  Can't have your cake and eat it, you know?

• 29:45Speaker 01

  Okay, anyways, where I was going, so we, we had a pregnancy scare and then immediately. No, listen, we had a pregnancy scare. Then what happened was.

• 29:55Caleb Hammer?

  Are you sure it was him?

• 29:58Speaker 01

  Yes.

• 30:01Speaker 01

  I was like down bad for him. I'm talking obsessed.

• 30:04Caleb Hammer?

  And why did you have the exclusive conversation? Cause like, we can't.

• 30:07Speaker 01

  We did.

• 30:07Caleb Hammer?

  No, you just said you weren't exclusive.

• 30:09Speaker 01

  We weren't exclusive. I wanted to be exclusive.

• 30:11Caleb Hammer?

  Oh, but he didn't. So he's not cheating if he said no.

• 30:16Speaker 02

  I go into depth with it. She used to blow my phone up and at all hours of the night. I'm talking like from like eight o'clock at night to like.

• 30:24Speaker 01

  Of course.

• 30:24Speaker 02

  Four o'clock in the morning, blowing up about how much she missed me and how much she wanted to be with me and shit like that. And I would just ignore it.

• 30:30Caleb Hammer?

  Obsessive.

• 30:30Speaker 01

  Yes.

• 30:31Speaker 02

  Yes.

• 30:31Speaker 01

  I was, I was obsessive.

• 30:34Speaker 02

  It was unhealthy. It was very unhealthy how addicted she was to me with knowing how, like, how long she knew me for.

• 30:41Speaker 01

  Yeah, and I did, I used to have attachment issues, very bad. And I will admit that.

• 30:46Caleb Hammer?

  And you were twenty-two?

• 30:47Speaker 01

  Yes.

• 30:47Speaker 02

  Yeah, dude.

• 30:50Caleb Hammer?

  All the kids are both yours then.

• 30:51Speaker 01

  Yeah, so the, oh, the oldest two are mine.

• 30:54Speaker 02

  The oldest two, yeah, she, she has an ex-husband that she was in the military.

• 30:57Speaker 01

  Married at nineteen.

• 30:58Caleb Hammer?

  Nightmare, nightmare, nightmare, nightmare, nightmare, nightmare. Hold up, but so you already had two kids when you had a pregnancy scare with him?

• 31:07Speaker 01

  Yes.

• 31:09Speaker 02

  Right, yeah.

• 31:09Caleb Hammer?

  You knew that, that she had two kids?

• 31:11Speaker 02

  Yeah, dude, they were cool as shit. I even.

• 31:13Caleb Hammer?

  They are cool. I like them, but so you're okay with that.

• 31:15Speaker 02

  I want your kids to call me Uncle.

• 31:18Speaker 02

  Sorry, you can bleep that, or Uncle John.

• 31:20Caleb Hammer?

  Yeah, that's a little weird when, like, you're just kind of.

• 31:22Speaker 02

  Yeah, but that, but I didn't plan for it to go any further than that, you know?

• 31:26Caleb Hammer?

  Okay, okay, okay. Um, so the pregnancy scare, what happened?

• 31:29Speaker 01

  So as soon, okay, so I got a positive pregnancy test.

• 31:33Caleb Hammer?

  Yeah.

• 31:33Speaker 01

  We went and got one, another one a few days later. I went to the doctor's office. I went to the doc, I went to the doctor's office a couple of days after I got the, the second test done and it was negative. The doctor's office test was negative too. Immediately, okay, I'm gonna get your ass pregnant.

• 31:48Speaker 02

  I'll put it this way, hold on, hold on, hold on.

• 31:50Speaker 01

  For two to three months.

• 31:50Speaker 02

  It was not a couple of days later. It was about a week or two later and I had moved in with her. I committed to her. She, I, we started dating.

• 31:58Caleb Hammer?

  So you did commit. This, now we're exclusive.

• 32:00Speaker 02

  At this point, you know, she tells me, hey, you're gonna be a father. Okay, I'm gonna get my shit together. That, that's my goal, you know? I'm not gonna be some deadbeat piece of shit. I'm gonna sit here, I'm gonna be a father. I'm gonna be active in my kid's life. I didn't have that as a kid. Why, why would I do that?

• 32:13Caleb Hammer?

  Yep.

• 32:13Speaker 02

  So I'm sitting here, I'm committing to her and it's like a week and a half later and I'm telling my family and they're ecstatic, dude. They're like, oh my God, I'm gonna be a grandmother, I'm gonna be a grandfather, auntie, uncle, all this shit, right? So they're ecstatic. So when she told me she got a negative test. Yeah, I told her, I was like, yeah, I'm gonna get you pregnant.

• 32:29Caleb Hammer?

  Okay.

• 32:30Speaker 02

  Straight up. I'm not even gonna lie to you.

• 32:31Caleb Hammer?

  Not how I would do it, but listen, life is life.

• 32:34Speaker 02

  Yeah, man, I was nineteen.

• 32:35Speaker 01

  So at, for the first time, I don't know how long of our relationship after we became official, before, before didn't matter, before didn't count, but even after, I was like. I worshipped the ground he walked on. I did everything for him. I'm talking.

• 32:49Caleb Hammer?

  Why'd you suck another dick? I'm confused. That was a question. How'd this happen?

• 32:53Speaker 01

  That's the thing, though, is like, I worshipped the ground that he walked on. I did everything for him. I gave him everything.

• 32:58Caleb Hammer?

  Okay.

• 32:59Speaker 01

  Like, and then I got nothing. I got nothing.

• 33:03Caleb Hammer?

  You chose to be with him. Maybe he's, like, listen, okay, I've, I've been kinda shooting on you so far. Let me show you for a second. Hey, maybe you're a piece of shit, maybe you're a horrible partner, maybe you're horrible to be with. Why'd you still be with him then? Why'd you produce a child?

• 33:15Speaker 01

  I knew his potential.

• 33:16Caleb Hammer?

  See, that's not how this works. That's not how we date. What do you mean his potential? No, you don't.

• 33:21Speaker 02

  She gave me everything, dude. I moved in with her. She had gallbladder attacks. That's why she quit her shit job.

• 33:25Speaker 01

  Yeah.

• 33:25Speaker 02

  So she had gallbladder attacks and it would affect her health really bad. And she worked at a job and, um, well, well, Big Sandy, Texas.

• 33:33Caleb Hammer?

  Okay.

• 33:34Speaker 02

  Okay. She worked at a little cafe and she quit because she was having gallbladder attacks so bad that she couldn't, you know, she couldn't move.

• 33:41Caleb Hammer?

  So you're saying she wasn't giving you everything?

• 33:43Speaker 02

  No, she wasn't. No, I, I, like, you know, at this point, she's, she's getting benefits from the state, you know, food stamps.

• 33:48Caleb Hammer?

  Oh, that's you giving him everything?

• 33:52Speaker 02

  Hold on, she's, she's getting food stamps, right? Her dad's already paid her fucking car notes. Her dad told her, you have a month. Since I moved in with her, you have a month, okay? And I'm done paying your bills. So at that point, we're like, you know what? Screw it, we're gonna, we're gonna cut the lease. It's a private landlord, so we're gonna cut the lease and we moved into an apartment. And for six months, I paid every bill. Every bill. She had not given anything to me. She's, she's pregnant, she's miserable.

• 34:17Caleb Hammer?

  So you got her pregnant immediately?

• 34:19Speaker 02

  Yeah, dude, I told you.

• 34:19Speaker 01

  Like two to three months.

• 34:20Caleb Hammer?

  Oh, shit, okay.

• 34:24Speaker 02

  You said what?

• 34:24Caleb Hammer?

  Have you done a paternity test?

• 34:26Speaker 02

  I didn't eat one.

• 34:26Speaker 01

  He did not eat one.

• 34:27Speaker 02

  Dude, the kid is, he looks just like me.

• 34:29Caleb Hammer?

  I believe he is.

• 34:30Speaker 02

  Yeah.

• 34:30Caleb Hammer?

  But we know her track record.

• 34:32Speaker 02

  Yeah.

• 34:33Speaker 01

  Yeah, okay, so the whole thing was, is I didn't, it wasn't like money wise that I, I gave him shit. I didn't, I brought in child support. I brought in child support since before him, before I ever met him. Well, like, like now, no, listen, like now, like now, current, child support goes to his truck.

• 34:52Speaker 02

  Right, the same vehicle that we use for everything, family activities, everything like.

• 34:57Speaker 01

  I'm a stay-at-home mom.

• 34:58Caleb Hammer?

  Isn't that just paying a bill of the household of the marriage?

• 35:00Speaker 01

  In a way, but, I mean.

• 35:02Speaker 02

  She used that against me all the time as well.

• 35:04Caleb Hammer?

  His paycheck, if we're thinking about his mind, his mind, like in a weird way, his paycheck is paying for your bills. So the child support that comes in pays for the truck, like, it's just like, no, it's just one big pool of money and it goes to paying bills. Why are we looking at it like that?

• 35:18Speaker 01

  The way that I see it is like.

• 35:20Caleb Hammer?

  So I want to be clear from what you're saying. My child support pays for his truck, so I'm gonna go suck another dick.

• 35:26Speaker 01

  No.

• 35:26Caleb Hammer?

  Then what the fuck are you talking about? Get there.

• 35:29Speaker 01

  Okay, the being treated like shit. The being treated like shit.

• 35:32Caleb Hammer?

  How's you treating you like shit?

• 35:33Speaker 01

  Everything is about him. Okay, he's selfish. He's admitted that.

• 35:35Caleb Hammer?

  I'm ready to be on your side. Give me some things.

• 35:37Speaker 01

  So, so everything is about what he wants. If I, if me or the kids need something, necessities.

• 35:44Caleb Hammer?

  You're saying broad statements. Give me examples.

• 35:47Speaker 01

  Okay, so if, like, our oldest just started school last year, like, he, he just finished kindergarten. His school clothes came from his mom buying them. We didn't buy them clothes.

• 35:59Caleb Hammer?

  Why?

• 35:59Speaker 01

  Because we didn't have the money.

• 36:00Caleb Hammer?

  Okay.

• 36:01Speaker 02

  Um, that's not necessarily true either. My mom offered to help. My mom is a, she's a, she's a engineer.

• 36:08Speaker 01

  But.

• 36:08Speaker 02

  At a company called, and she makes like thirty dollars an hour.

• 36:12Caleb Hammer?

  My, my grandparents helped when we were poor, getting.

• 36:14Speaker 01

  Grandparent help, that's normal.

• 36:15Caleb Hammer?

  But what's the he's selfish part? Cause that's what you're just trying to say.

• 36:19Speaker 01

  Any extra money that we have on his video games.

• 36:21Caleb Hammer?

  Instead of the kids?

• 36:22Speaker 01

  Yes, instead of all necessities. And one of our, does come in necessities that we do buy, it's always an argument because.

• 36:29Speaker 02

  I'm ready for you to come to me. When, when she is done, I'm ready for you to.

• 36:33Speaker 01

  He gets annoyed at the fact that we always need something.

• 36:37Speaker 02

  Okay, so I'll give you an example.

• 36:38Speaker 01

  Laundromat detergent, shampoo, conditioner.

• 36:40Speaker 02

  Every week when I get paid, I text her and I ask her, what do we need for the house? Oh, no, we're not really low on anything. Okay, cool. You know, I'm, I'm gonna come home and I'm gonna spend what little bit of money that I have. I, I set aside money that I know that I need for the next week to get me through until next paycheck. And then I take what little bit of money I do have, I spend it on my game.

• 37:00Caleb Hammer?

  So you basically asked for permission, how much money you can spend on the game?

• 37:03Speaker 01

  No.

• 37:03Speaker 02

  I'm not, not necessarily asking.

• 37:04Caleb Hammer?

  No, no, no, by saying, how much do I need for the bills?

• 37:06Speaker 02

  No, no, not, not that. I'm asking her, like, what do we need for the house that we don't have right now? Like, what are we out of that we need? And it's, it's, oh, it's nothing, or we need this, we need that. And then two or three days later, oh, we're out of this. And I don't need her to sit there and tell me what we're out of. I need her to, like, you know, tell me, you know, she's at home all the time. I'm at, I'm at work, I'm, I can't come home and look at the grocery list or what we're missing while I'm at work.

• 37:33Caleb Hammer?

  Again, unless I get more specific examples, this sounds more, this sounds less like so, pure selfishness. And more like, we're not communicating with anything.

• 37:43Speaker 01

  Communication in our relationship definitely sucks out.

• 37:45Caleb Hammer?

  Is it selfishness or is it communicating?

• 37:47Speaker 01

  It's.

• 37:48Speaker 02

  I wanna, I wanna say.

• 37:49Caleb Hammer?

  Where's the selfish?

• 37:50Speaker 01

  Oh, okay, so.

• 37:52Caleb Hammer?

  He's bought a couple of video games. What else?

• 37:54Speaker 02

  Oh, okay, I'll, I'll admit, I've spent a lot of money on that.

• 37:57Caleb Hammer?

  Okay, there we go.

• 37:57Speaker 02

  I spent a lot of money.

• 37:58Caleb Hammer?

  Instead of taking care of your family?

• 38:00Speaker 02

  Absolutely not. My family comes.

• 38:02Speaker 01

  The bills are paid.

• 38:03Speaker 02

  My, my bills are paid.

• 38:04Caleb Hammer?

  What are we talking about?

• 38:05Speaker 02

  Taken care of. There's food underneath the house, or there's food in the house, there's gas in my truck and I have enough money to get to and from work for the next day and I drive an hour to work.

• 38:14Speaker 01

  I'll give you one example. He has a car in his name. That we have gotten, because I'm a stay at home mom.

• 38:22Caleb Hammer?

  We know this.

• 38:23Speaker 01

  And a stay at home mom needs a vehicle to be able to take the kids.

• 38:25Speaker 02

  She told me she did not want that car. She fucking told me.

• 38:29Speaker 01

  I need a car.

• 38:30Speaker 02

  No, you told me right then and there that you did not want the car. That's why I gave it to him because he can make the payments and I could not afford two cars right then and there.

• 38:37Speaker 01

  You, the way that you explained it was you didn't want, you didn't want to make the payments, but you could afford them.

• 38:42Speaker 02

  I can, I can call my homeboy right now and he will literally, I can call your mom. And she would be like, yeah, said that.

• 38:50Speaker 01

  Said that I, you're, you're saying, we're saying.

• 38:52Speaker 02

  Samantha said that, yeah, she doesn't want the car because it's not 2025 Cadillac.

• 38:57Speaker 01

  I didn't give a shit if it was a 2025.

• 38:59Speaker 02

  I can go through our, our Facebook messages.

• 39:02Caleb Hammer?

  It's okay, it's bleeped.

• 39:03Speaker 02

  I, I could go through our Facebook messages and literally you, oh, look at this car, look at this car, look at this car. Dude, I'm making, I'm barely making 50,000 a year.

• 39:11Speaker 01

  Dream and it's the same thing as you talking about how you're wanting to get a 2026 friggin Ram and a fifth wheel and like a bunch of different shit.

• 39:21Speaker 02

  No, but that's what I'm talking about now with this new job that I'm getting. I'm not talking about this when I first started out making $15 an hour, making 38,000 a year.

• 39:28Speaker 01

  And it's like wherever you went and got the truck that you have now.

• 39:30Caleb Hammer?

  So it's messy. Was it him being, so what was selfish? Cause it sounds like you said you didn't want the car. You told him you didn't want it?

• 39:36Speaker 01

  I didn't, I didn't like it. Cause it wasn't, it wasn't, it was small.

• 39:40Caleb Hammer?

  The selfish thing that he did?

• 39:42Speaker 02

  Beggars can't be choosers, right? I had a car.

• 39:45Caleb Hammer?

  Well.

• 39:45Speaker 02

  It was drivable. It was in good condition. No check engine light, no problem, no nothing, right? I maintained the car.

• 39:50Speaker 01

  The only issue with the car was the bumper was fucked up and then the door was fucked up.

• 39:53Speaker 02

  21st birthday, we were coming home from, uh, eating out and dinner with my family and I am headed from Big, Big Sandy and a fat ass hog at like nine o'clock at night comes in barrels in front of my car and it hits the car.

• 40:06Speaker 01

  That was the only issue the car had.

• 40:07Speaker 02

  And we claimed it on insurance. They never, they never fixed it. They were like, oh, you're trying to.

• 40:12Speaker 01

  They had tried, they tried to tell us that we had a different vehicle on the insurance.

• 40:16Caleb Hammer?

  How is this him being selfish? That's what, I'm trying to figure this out.

• 40:18Speaker 01

  Okay, so.

• 40:19Caleb Hammer?

  Like that's just a heavy thing to throw at someone. If he's selfish in the entire relationship.

• 40:23Speaker 01

  We came to realize that having.

• 40:25Caleb Hammer?

  I'm being told, uh, that maybe you were duped out of the transaction because you're not even on the title, but I don't, I don't know.

• 40:31Speaker 01

  Okay. Oh.

• 40:31Caleb Hammer?

  Just maybe you.

• 40:32Speaker 01

  I forgot about that. I forgot about that. So.

• 40:34Caleb Hammer?

  Were you not cosign? Like maybe you, I don't know.

• 40:36Speaker 01

  So when we went and got the car, we went and got the car as a family because we were trying to find a vehicle that was big enough. Cause at the time when we got together, I had a Jeep, a Jeep Trailhawk or some shit like that.

• 40:46Speaker 02

  It had a transmission problem. You put it in, you put it in drive in the, no, it was not drivable.

• 40:52Speaker 01

  It didn't do that all the time. It was drivable. It was a piece of shit, but it was drivable. It got you to point A to point B.

• 40:56Speaker 02

  Okay. I'll put it this way. My dad was a mechanic. I put it in drive and the transmission would drop and a, a, a signal would come up on the dash talking about, oh, your car can't work.

• 41:05Speaker 01

  It did that.

• 41:06Speaker 02

  So every time I get in there and put it in drive, I'd have to pretty much like jerry rig it just to make sure that it would drive.

• 41:13Speaker 01

  Anyways, it was drivable at the point. It was drivable.

• 41:16Speaker 02

  Yeah, sure.

• 41:17Speaker 01

  And we went and we were looking at, at a bigger vehicle for, you know, a family of five.

• 41:21Caleb Hammer?

  You said that already gone.

• 41:22Speaker 01

  And, uh, so we looked at two different vehicles. The plan was when we got them, the, the one that's on, that's in his name. The plan was, because we had the kids, he was gonna go in, he was gonna sign his half of the paperwork. And then he'd come back out and whenever he came back out, I'd go in and sign my half. Cause I was supposed to be on the car too. Well then he comes back out and he tells me, I gotta go inside and sign paperwork. I was told what I was signing was permission to.

• 41:51Caleb Hammer?

  Are you guys married?

• 41:51Speaker 01

  Yes.

• 41:52Speaker 02

  We are now, yeah.

• 41:53Caleb Hammer?

  They don't really care about the title.

• 41:55Speaker 01

  Well, so my name was supposed to be on them.

• 41:58Speaker 02

  I'm gonna leave her or.

• 41:59Speaker 01

  With nothing.

• 42:00Caleb Hammer?

  She's the one who said she's gonna leave you two days ago. So it was like, uh, do you want to get, make sure you're on title because you want to leave?

• 42:06Speaker 01

  No, it's just.

• 42:07Speaker 02

  Yeah. She told, she told me the other day while we were sitting at the house that, uh, if she did leave me, she, she would, would request, request the house.

• 42:16Caleb Hammer?

  Oh.

• 42:16Speaker 02

  And the divorce.

• 42:17Speaker 01

  For the kids.

• 42:17Speaker 02

  And request our vehicle.

• 42:19Caleb Hammer?

  You weren't on the title, so you sucked a dick? I'm still confused how we got there. Cause that's like my question 15 minutes ago.

• 42:23Speaker 02

  Yeah.

• 42:24Caleb Hammer?

  I'm waiting for you to get to how and why and what.

• 42:27Speaker 01

  Okay. So one of the things that he has a very bad habit of doing, and he has had this habit of doing it the entire time we have been together. From day one, he threatens to leave or he threatens to, uh, he threatens to kick me out, to tell me to leave. I have two kids that.

• 42:45Caleb Hammer?

  For valid reasons? Cause if not, then it's extremely manipulative and unhealthy.

• 42:48Speaker 01

  He doesn't, no, it's not just that. No, it's not just that. It is every time we have ever fought.

• 42:53Speaker 02

  Okay. I'll put it this way, dude. This is, uh, the first time she cheated, it wasn't, it wasn't the first scenario. This has happened like two times already. Okay. This isn't like an ongoing thing. From the day that I met her, it has been nothing but trust issues because she's like, oh, this guy told me, you know, back in high school, if I threw a bag over my head, he'd fuck the shit out of me. Bro, why?

• 43:17Speaker 03

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• 43:46Speaker 02

  The fuck would you sit there and tell me that as I'm sitting in bed, laying next to you, trying to go to sleep? So I could wake up in the morning to go pay bills. Like that doesn't make sense.

• 43:54Caleb Hammer?

  What the?

• 43:55Speaker 01

  Okay. So this guy that he's talking about.

• 43:59Speaker 02

  Right.

• 43:59Speaker 01

  Texted me on Facebook.

• 44:00Speaker 02

  Yeah, we were together, right?

• 44:02Speaker 01

  Asking me, who's texting me? And I told him, I was like this guy that I went to high school with. I don't know why the fuck he was texting me, but he texted.

• 44:07Caleb Hammer?

  We all just learned that it's been more than once.

• 44:10Speaker 02

  Yeah. And I've still.

• 44:11Speaker 01

  No. Okay. So the first thing.

• 44:12Speaker 02

  Like maybe like a two, two minute break?

• 44:15Caleb Hammer?

  Yeah, step outside.

• 44:16Speaker 02

  Okay, cool.

• 44:16Caleb Hammer?

  Can, can he step outside? You want to take him? Let him cool down for a second?

• 44:23Speaker 01

  Okay.

• 44:25Caleb Hammer?

  So one second, give him a break.

• 44:26Speaker 01

  Okay.

• 44:28Caleb Hammer?

  Okay. First of all, how many times have he cheated? This was his? Okay. He said multiple.

• 44:33Speaker 01

  Yeah. So.

• 44:34Caleb Hammer?

  This was his no, no, but he brought it up. So we're, uh, immediately means it's allowed. Um. Uh, what the?

• 44:41Speaker 01

  Okay. So the first thing, the first time he's talking about me cheating. So I was friends with this girl. I used to be like, we, we met on Bumble, but it wasn't like, you know how, I don't know if you've ever been on Bumble. Bumble has a best friend.

• 44:52Caleb Hammer?

  You're good?

• 44:53Speaker 02

  Yeah, I'm good. What did I miss?

• 44:55Caleb Hammer?

  Nothing. She really just started saying she has a girlfriend.

• 44:58Speaker 01

  The, the first situation that you're talking about that was considered cheating.

• 45:01Speaker 02

  Forgot to mention, she was, uh, bisexual. She's had girlfriends and guy friends and dude, she's been through the wringer.

• 45:10Speaker 01

  Anyway.

• 45:11Speaker 02

  Absolutely. Dude, she said by the time she was like 18, she had 30 bodies.

• 45:15Speaker 01

  I had a bad track.

• 45:17Caleb Hammer?

  In high school? You had 30 bodies?

• 45:18Speaker 02

  Dude, I can count on two hands. I'm 22 and I've got like six bodies.

• 45:22Caleb Hammer?

  Okay.

• 45:22Speaker 01

  Uh, yes, I used to be.

• 45:23Caleb Hammer?

  That's a skill issue.

• 45:25Speaker 02

  It's not a skill issue. It's just I don't.

• 45:26Caleb Hammer?

  I'm joking. I'm joking. It was a joke. The thing, I, I will let you know. Uh, as someone who's been on many dates.

• 45:33Speaker 02

  Yeah.

• 45:34Caleb Hammer?

  You're not going to find a young woman who's not bisexual these days. They're all bisexual, especially the ones with the tattoos, dude. They're all bisexual. I don't know what's happening. It was the fluoride.

• 45:45Speaker 02

  It's gotta be something in the water.

• 45:46Caleb Hammer?

  I'm joking.

• 45:47Speaker 01

  What?

• 45:48Caleb Hammer?

  Okay. So you're a whore. Got it?

• 45:50Speaker 01

  Yeah. So anyways, so the first instance he's talking about, I used to be best friends with this girl. Like I said, I met her on Bumble, but it wasn't, so Bumble has a best friend section.

• 46:01Speaker 02

  Oh, I love this one.

• 46:02Speaker 01

  And I met this girl. We became, I was going through a breakup. Okay. I was going through.

• 46:08Caleb Hammer?

  Yes, you've been through many.

• 46:09Speaker 01

  Breakup I was going through, postpartum depression on top of it. And.

• 46:14Caleb Hammer?

  So the divorce?

• 46:15Speaker 01

  Yeah.

• 46:17Speaker 01

  And, uh.

• 46:18Speaker 02

  Tortor crown, big to ride on.

• 46:20Speaker 01

  No, no. So I met this girl. We became close really fast, except for the, the first night that we met. And I looked past this fact. The night that we met, she had told me she knew I had, or she knew she had competition, but that if, she thought she was bi, but didn't know because she had never tried anything with a girl. And she said, oh, if you would like to basically help me out and experiment, I would be willing to do that. Okay.

• 46:45Speaker 02

  Okay. So can I?

• 46:46Speaker 01

  I looked past that. And me and her became really good friends to the point to where I was living with her and her kids and her baby daddy. And we were really close friends. Well, we dropped off. Well, eventually me and her became friends again. After me and, and it's kind of fucked up. It sounds kind of fucked up, but me and her baby daddy got together.

• 47:08Speaker 02

  Oh, let's not leave out, she miscarried his child.

• 47:11Speaker 01

  Yes, I did miscarry.

• 47:13Speaker 02

  Yeah.

• 47:15Speaker 01

  Anyway.

• 47:16Speaker 02

  And then let me, let me ask you, let me ask you, man. So if your girlfriend was hanging out with a guy that asked if she wanted to uh, if he wanted to her and she said no, but they're still friends, would you be okay with that?

• 47:27Caleb Hammer?

  Uh, I don't think so.

• 47:29Speaker 02

  Okay.

• 47:30Caleb Hammer?

  Or at least I would be cautious.

• 47:31Speaker 02

  That's where I stand and I'm, I'm not gonna sit here and pretend like I'm not gonna, oh, I'd be precautious. I'm not gonna be precautious because it's not the first time. So I just told her, I was like, I don't want you to be friends with her.

• 47:42Caleb Hammer?

  So the first, okay, so this instance is you were seeing messages coming through from this person.

• 47:46Speaker 02

  Not even messages, it's just, she didn't even tell me, she's kept so much shit from me. Like, I had to find out from her younger sister that she miscarried this guy's baby two days after I proposed her.

• 47:56Speaker 01

  Okay, so.

• 47:56Speaker 02

  In front of her entire.

• 47:58Speaker 01

  No, so what happened was, he gets.

• 48:00Speaker 02

  July 6th of 2024.

• 48:03Speaker 01

  So what happened was, is I didn't tell him that this girl's boyfriend, baby daddy, whatever he was, was the guy that I miscarried a baby with. I wasn't, he assumed from the.

• 48:18Caleb Hammer?

  How many abortions have you had?

• 48:19Speaker 01

  One.

• 48:21Speaker 02

  She's miscarried two.

• 48:22Speaker 01

  Yes, I miscarried two.

• 48:23Speaker 02

  She's supposed to have like five kids.

• 48:25Caleb Hammer?

  Well.

• 48:26Speaker 02

  One of them are mine.

• 48:27Caleb Hammer?

  Three, four, five, six.

• 48:28Speaker 01

  No, it's, I, I've aborted one and I've had one miscarriage.

• 48:33Caleb Hammer?

  He said two.

• 48:33Speaker 01

  He said two, I don't know why that, he gets, I'm telling you, he gets shit mixed up.

• 48:38Speaker 02

  She's miscarried two.

• 48:39Speaker 01

  Yes, I miscarried two.

• 48:40Speaker 02

  She's supposed to have like five kids. Hmm, no, I'm not getting shit mixed up.

• 48:43Speaker 01

  I'm supposed to have five.

• 48:44Speaker 02

  Well, the reason I said miscarried, like, I mean, two babies died. Whether you aborted them or, you know.

• 48:50Caleb Hammer?

  Oh.

• 48:51Speaker 02

  You miscarried them, I mean, they both died and you're.

• 48:53Speaker 01

  Nope.

• 48:54Speaker 02

  He's sitting out there on the counter. He's a little.

• 48:57Caleb Hammer?

  So you had an abortion before him?

• 48:58Speaker 01

  Yes.

• 48:59Speaker 02

  Yeah.

• 49:00Speaker 01

  So he assumed.

• 49:01Caleb Hammer?

  Dude, why, what is wrong with condoms or birth control? Like, what the, come on? What are we doing here?

• 49:06Speaker 01

  I, birth control didn't work for me.

• 49:08Caleb Hammer?

  Okay, condom.

• 49:08Speaker 01

  All different kinds of birth control didn't work for me.

• 49:10Caleb Hammer?

  Condoms then.

• 49:11Speaker 01

  Yeah, well.

• 49:12Speaker 02

  Would have been a lot cheaper.

• 49:13Speaker 01

  Anyway, so he assumed from the get-go, whenever I was hanging out with this girl, that I was hanging out with her baby daddy, my ex's baby daddy as well.

• 49:22Caleb Hammer?

  Yeah.

• 49:22Speaker 01

  He assumed it.

• 49:23Caleb Hammer?

  Well, yeah, that's not an unfair assumption.

• 49:25Speaker 02

  So there she is, she's leaving shit out again, okay?

• 49:27Speaker 01

  I'm not done talking.

• 49:29Speaker 02

  Father's Day, she kicked me out of my apartment that I was still paying bills on, all the bills. I went and stayed with my mom for three days, she had her baby, her baby daddy, you know, the one that, you know, she aborted? And her fat girlfriend come over and sleep in my bed. While I was gone, on Father's Day.

• 49:46Speaker 01

  So we were in the middle of our own shit that had nothing to do with it.

• 49:49Speaker 02

  I've got a picture of the date, I can tell you the exact day it was.

• 49:52Speaker 01

  We were in the middle of our own shit that had absolutely nothing to do with her.

• 49:57Speaker 02

  But it's always been space, she's always wanted space.

• 50:00Speaker 01

  And like the proposing thing, he's sitting there talking about like, like that, like it was a big deal. He proposed because of the fact that we were going through issues, our own issues. He thought that it would make it better.

• 50:11Speaker 02

  No, I proposed to her because I loved her and I wanted to start a family with her and I wanted, uh, at that point, I had gotten my shit together, cause before, I was still doing drugs. I was doing and I was smoking. But once I met her, I got off all that shit and I bettered my life and I knew that for some reason, God had sent me hers to better myself.

• 50:31Caleb Hammer?

  How much are you doing?

• 50:32Speaker 02

  I was doing a lot, dude, I had holes in my nose.

• 50:34Caleb Hammer?

  Oh.

• 50:35Speaker 02

  I was young, dude, I was young, I was a, I was a party animal. I used to drink a lot, too.

• 50:39Caleb Hammer?

  Oh yeah, sure. Listen, I, I wanna help you out here for a second, buddy. Um, because, I mean, you told me, I mean, so just man to man. You're telling me like, you, you feel like you're gonna be embarrassed and stuff, right? Cause you stuck around. I don't think you should. You stuck around for your kid. That's not embarrassing.

• 50:55Speaker 02

  I wouldn't even say.

• 50:56Caleb Hammer?

  One second, just one second.

• 50:57Speaker 02

  Okay.

• 50:58Caleb Hammer?

  I don't want you to feel embarrassed. Other people who are seeing this shouldn't make you feel embarrassed. You're sticking around for your kid. I think you were being a good, uh, well, I don't know if you're the, okay, I don't wanna say either of you are good necessarily, but I think you were trying to potentially do the best thing for the sake of your kid.

• 51:14Speaker 02

  Yeah, I'm not gonna belittle, dude, I, I was a dick.

• 51:16Caleb Hammer?

  Yeah, but my question is, after all this, why the do you still around now? Why is she the one that's leaving?

• 51:23Speaker 02

  Cause dude, I just, I'm, uh, it's kinda like, I'm, I'm a dumbass, like I, I had to learn the hard way as a kid, like I got into a lot of fights, I started a lot of drama. I was in and out of juvie all the time, like, it was.

• 51:35Caleb Hammer?

  And that's why the security guard's there.

• 51:37Speaker 02

  Like, but that's, I'm a different person now, like, I've controlled a lot of how I used to be. And.

• 51:43Caleb Hammer?

  I haven't gotten anything violent from you this conversation.

• 51:45Speaker 02

  I hope, I hope and I pray that she'll change, like, I, I, I expect, like, the definition of insanity is doing the same thing, expecting different results. And that's, you can call me insane at that point.

• 51:56Caleb Hammer?

  Well, okay, but still.

• 51:57Speaker 01

  Can I, can I, can I say something?

• 51:59Caleb Hammer?

  I'd like to know, again, my question 20 minutes ago, why the did you go suck another dick?

• 52:04Speaker 01

  Okay, so.

• 52:05Speaker 02

  She didn't suck a dick, she was just sending explicit pictures to her ex-girlfriend.

• 52:08Caleb Hammer?

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• 52:52Caleb Hammer?

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• 53:35Caleb Hammer?

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• 54:10Speaker 01

  Okay, so.

• 54:10Caleb Hammer?

  That was the, the cheating?

• 54:12Speaker 02

  Yeah, she was cheating. And it went on for like three days. And she's doing it as I'm sleeping in the spare bedroom of this house.

• 54:20Caleb Hammer?

  Bro, what is wrong with you?

• 54:21Speaker 02

  For an entire month, I sent her money to get my kids and her clothes and she sent it to this so that she could, you know, put money up to leave me.

• 54:31Speaker 01

  My, I mean, the, the money that I did bring in was going towards your stuff.

• 54:36Speaker 02

  But all the bills were paid and I was still giving you extra cash that I had, that I needed, cause I was out of town and they weren't paying me.

• 54:43Caleb Hammer?

  And how long ago was this?

• 54:45Speaker 02

  This was in.

• 54:46Speaker 01

  This was over a year ago.

• 54:47Speaker 02

  This was in April.

• 54:48Caleb Hammer?

  And did you, uh, about a year ago?

• 54:50Speaker 02

  Yeah, yeah, it was about a year ago.

• 54:51Caleb Hammer?

  Did you consent to her selling feet pics and nudes on Kick a couple of months ago?

• 54:55Speaker 02

  Absolutely not, I did not. I asked her to get.

• 54:57Speaker 01

  That's a whole thing.

• 54:58Speaker 02

  Okay, so I asked her.

• 54:59Caleb Hammer?

  It's all a whole thing.

• 55:00Speaker 02

  I asked her to get a job on the weekends. I, actually, I have a video, I'll play it for you. Uh, there's no, there's no pictures or anything.

• 55:07Caleb Hammer?

  Okay, we're good.

• 55:08Speaker 02

  It's a, it's a video, hold on.

• 55:09Speaker 01

  Can I talk while he's finding it?

• 55:11Caleb Hammer?

  Okay.

• 55:12Speaker 01

  Okay, so.

• 55:12Caleb Hammer?

  That's a podcast.

• 55:13Speaker 01

  The, the, the kick shit, okay, that's, that's a whole thing, so. He wanted me to get a job, he wanted me, we started off with a work-from-home job. He wanted me to get a work-from-home job, he didn't want me, I had.

• 55:25Speaker 02

  Chose horror.

• 55:26Speaker 01

  Okay, so he wanted me to get a work-from-home job and I had been trying. I sent him tons of emails, like screenshots of emails whenever I would get a denial. And I'd explained to him, cause he didn't think I was trying. So I explained to him, and with proof, that I was trying to get a work-from-home job. That wasn't enough for him. So there will be days, and sometimes even more different weeks.

• 55:47Caleb Hammer?

  But you didn't ask for permission to go. I was selling nudes and shit.

• 55:49Speaker 01

  Well, that's the thing though.

• 55:50Caleb Hammer?

  You're his wife.

• 55:51Speaker 01

  Yeah, I know, but he, I mean, I had no, he wanted me to make money and he.

• 55:56Speaker 02

  Dude, I've been asking you for months to get a job and you're like, I don't want to give up our weekends. I was like, this is our family. We have a house. We have more bills.

• 56:03Speaker 01

  We didn't talk.

• 56:04Speaker 02

  I didn't want to file for foreclosure on our house that we just got and I asked you to get a.

• 56:10Speaker 01

  About a weekend job.

• 56:11Speaker 02

  A weekend job, not selling pussy and feet pictures. That's, there's an entire difference. That's an entire scenario.

• 56:17Speaker 01

  Yes, we didn't talk about a weekend job because of the fact that we have one vehicle. You are on call 24/7. We didn't talk about a weekend job until after the kick shit.

• 56:30Caleb Hammer?

  Right. Girl, not gonna lie, all the pre-interview stuff was interviewing you mostly.

• 56:34Speaker 01

  Uh huh.

• 56:35Caleb Hammer?

  And everyone's expectation was he was gonna be the bad guy in this conversation. So far, you are the bad guy.

• 56:40Speaker 01

  He's got a very good habit of making me out to be the bad guy. I've done some stupid shit.

• 56:44Speaker 02

  Why, dude, buddy, this is reality so far.

• 56:46Speaker 01

  No, listen, don't get me wrong. I've done stupid shit.

• 56:49Caleb Hammer?

  Dude, how many times have you cheated now? It's Sally posting a couple of months ago without his question.

• 56:54Speaker 01

  I've cheated. I know.

• 56:55Caleb Hammer?

  That's cheating too.

• 56:56Speaker 01

  I didn't have his permission. No.

• 56:57Speaker 02

  Oh, but to normal people, it's not. She told me, that's not cheating.

• 57:01Speaker 01

  No, the thing is.

• 57:02Speaker 02

  I said, dude, to any normal person outside of our relationship will tell you, that's cheating. You're married. You're not supposed to be selling pussy for $35. Dude, she sell pussy and feet pictures for 35 bucks. That's all she made.

• 57:15Speaker 01

  That is all I made.

• 57:16Speaker 02

  That she, oh, she got a bunch of, uh, DoorDash gift cards that she used.

• 57:20Speaker 04

  Do not read it. Do not read him the card.

• 57:23Caleb Hammer?

  So, I want to give you the benefit of the doubt for a second, not in anything you've done. But this is what you said going into this conversation about him. That he's very different behind closed doors, has a public version of himself and then gets a worse version.

• 57:36Speaker 01

  Yes.

• 57:36Caleb Hammer?

  I'm giving you the opportunity now as a rebuttal to give us what that version is. Because when you gave, when you're trying to give examples of him being selfish, you really couldn't do it. This is your chance. What is this behind the closed door thing? Give us something here or else right now, it's, you're just a piece of shit.

• 57:52Speaker 01

  Okay, okay, so the, like I was saying about the kick thing. He wanted me to, he told me to find ways to make money within a few days, a certain amount of money. It was like a couple hundred dollars.

• 58:02Speaker 02

  Keep in mind, she has this detailing business.

• 58:04Speaker 01

  Keep in mind, I have the detailing business. So I made posts on the Facebook pages around the towns that we lived in. And I was like, doing deals and shit. And I was like, okay, I got like four different people that were interested in details. Okay, I went to him and I explained to him, I said, okay, look, we got people. We got people that are interested in the, in details. Okay.

• 58:26Caleb Hammer?

  I don't know, you keep going. I asked for.

• 58:28Speaker 01

  I was like, okay, we got people interested in details. It's $50 a detail, but it's four people. That's $200.

• 58:35Caleb Hammer?

  Feed up this story.

• 58:36Speaker 01

  Okay, so I'm almost done. So he told me no, because at that point, his excuse was, I'm just paying for the gas to get there and back at this point.

• 58:45Speaker 02

  Okay, so my truck gets 14 miles to the gallon on the interstate.

• 58:48Speaker 01

  Because you went and got big ass tires.

• 58:50Caleb Hammer?

  Yeah, okay, go on.

• 58:52Speaker 01

  But, so, he wanted me to make a couple hundred dollars within a few days. The option that I had, that didn't involve, you know, the fact that I was already trying to get a job. And that I had proof of me trying to get a job and getting denials. So he got mad at the fact that I had brought up the fact that I had details. And he told me no because of the gas thing. Oh, it's, you're just making enough money to pay for gas and that's it. And I was like, okay, well, how else do you expect me to do it? I'm trying to get a job. I'm showing you that I'm trying to get a job by sending you every email that I get to denial. I had no other way but money, but he was still bugging me daily about making money. So I did what I had to do.

• 59:32Caleb Hammer?

  Okay, so pause. There we go. Do you guys remember? You can rewind if you need to. The question I asked is, I said, this is your one opportunity to show us how he's different behind closed doors than he is here. Cause that's what you were telling us pre-interview. And all you said was that. That he didn't do anything like evil or egregious. Was he maybe not realistic? Was he, like, was it the greatest thing in the world? No. But you're literally making it sound like in our pre-interview and we're giving you every benefit of the doubt for a moment. That he is some grand, completely different piece of shit individual behind the scenes. And that's what you have to give us? That? That he wanted you to make money quick?

• 1:00:15Caleb Hammer?

  And he, it just didn't want you to use expensive gas? Right? That's, that's all we have. That's it.

• 1:00:22Speaker 02

  We live 45 minutes from Longview. That's an hour, almost.

• 1:00:27Caleb Hammer?

  So I'm starting to feel like you were just manipulating us in the pre-conversation. Cause I, I wanted to give you every benefit of the doubt. Sure.

• 1:00:33Speaker 02

  Okay.

• 1:00:33Caleb Hammer?

  So what, what am I watching here?

• 1:00:35Speaker 02

  This is the video and the conversation of us talking.

• 1:00:38Speaker 05

  So you were pretty much sharing your nudes with random men in hopes to make money?

• 1:00:47Speaker 06

  Yeah, it's how selling pictures on gift works.

• 1:00:53Speaker 06

  I mean, a lot of the girls on there are making.

• 1:00:54Speaker 05

  Did I ask you to help me by doing that? No, what did I ask you to do?

• 1:00:59Speaker 02

  To the house.

• 1:01:01Speaker 05

  A job, right.

• 1:01:03Speaker 06

  I've been trying to get a job.

• 1:01:04Speaker 05

  So how helpful have you been in the two weeks you've been on this app? How helpful have you been?

• 1:01:10Speaker 06

  The 35 came from feet.

• 1:01:13Speaker 05

  What 35?

• 1:01:14Speaker 06

  The 35 that I got.

• 1:01:17Speaker 05

  Uh huh. So you were lying to me?

• 1:01:21Speaker 06

  Yeah, that was part of the whole.

• 1:01:23Speaker 05

  Just feet?

• 1:01:27Speaker 05

  So you send random dudes pictures of your vagina, your boobs and your ass and your feet, of course. For money?

• 1:01:40Speaker 05

  That doesn't like rub you the wrong way?

• 1:01:42Speaker 06

  Yeah, it does. It does.

• 1:01:45Speaker 05

  So why do it? Why not just go out and get a job?

• 1:01:47Speaker 06

  Cause I've been trying to get a job, but I'm still trying.

• 1:01:49Speaker 05

  Okay, did you call any of the gas stations that were six minutes from our house? You can work part-time.

• 1:01:55Speaker 06

  I was really trying to keep from losing our weekends at home together.

• 1:02:01Speaker 05

  Okay, well, you fuck, you sacrificed them for us. Thank you. I appreciate that. I appreciate, after almost a year of you cheating on me the first time, you have now ruined our relationship yet again. You've ruined my trust for you. And you saw how long it took me to start trusting you again, right? Almost a year.

• 1:02:21Speaker 05

  How long do you think it's gonna be this time? Probably never. I'll probably never trust you again.

• 1:02:34Speaker 02

  That's it.

• 1:02:35Caleb Hammer?

  Um, do you mind if, uh, Lindsay airdrops that to her stuff real quick?

• 1:02:39Speaker 02

  Yeah, I can airdrop it to her. It's a, I'd have to save it to my camera roll, actually.

• 1:02:43Caleb Hammer?

  Yeah, just so we can get better audio.

• 1:02:45Speaker 02

  Yeah, gotcha.

• 1:02:46Caleb Hammer?

  So while he's doing that, I mean, I have to just, I have to stand up for Buddy for a second.

• 1:02:53Caleb Hammer?

  Why the, why do you trust you with the multiple cheatings, with this, no conversation? And you just like saying to, what have you done these last couple of days? Cause, well, I, I need him to focus on the airdrop for a second, so.

• 1:03:08Speaker 02

  I'm listening. I can tell you exactly what I've been doing these past few days. I've been feeling like it's my fault that, you know, she's leaving. Uh, I've sat here and I've apologized and I've begged. I've begged her to stay.

• 1:03:18Caleb Hammer?

  Is it airdropped?

• 1:03:19Speaker 02

  No, I, I haven't.

• 1:03:20Caleb Hammer?

  Okay, I need you to focus, yeah. Um, it's okay.

• 1:03:23Speaker 02

  I begged her to stay. I've asked her, you know, like, give me second chance, like, you know, we can work together, we can communicate better, stuff like that. And, um, she's like, you don't understand, I don't want to be with you. And I was, so at this point, I'm not, I'm not gonna fight it. I'm just kinda going with the flow.

• 1:03:40Caleb Hammer?

  So here's the thing, in, in, in the pre-interview.

• 1:03:42Speaker 02

  But that's exactly why her friend doesn't like me, because she'll sit there and she'll tell her friend all the time. She'll, she'll talk the most shit about me.

• 1:03:51Speaker 01

  Okay.

• 1:03:51Caleb Hammer?

  Your friend will?

• 1:03:52Speaker 02

  No, her friend.

• 1:03:53Caleb Hammer?

  You to your friend?

• 1:03:53Speaker 02

  She will talk the most shit about me to her friend. And then she, she sit there and she'll be like, oh, I tell her about the good. But I'm like, dude, like, what good do you tell her? I mean, it's always something that I'm doing bad.

• 1:04:05Caleb Hammer?

  Okay, pause for a second. Focus on the airdrop.

• 1:04:08Speaker 02

  Yeah, I got you.

• 1:04:08Caleb Hammer?

  But in the pre-interview, this is the thing, and this is why we thought that John was honestly probably gonna be the bad guy. Sometimes they're both bad, sometimes there's a bad guy. We thought John was gonna be the bad guy. Cause some of the big notes that, uh, Samantha was giving is how he comes in, he takes your phone, he looks through your phone, he goes to the screen.

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• 1:04:57Caleb Hammer?

  In time, tries to figure out what you're doing on the messages and says that you're acting like a bad mom. And I was like, dude, what a piece of shit. Who the, that's weird. We shouldn't be doing that in relationships. But with all the history and everything here?

• 1:05:11Caleb Hammer?

  Fair.

• 1:05:13Speaker 01

  Okay, so could I give an example? Can I go to an example?

• 1:05:16Caleb Hammer?

  Yeah.

• 1:05:16Speaker 01

  Okay, so.

• 1:05:18Speaker 02

  Cool, Sam.

• 1:05:19Caleb Hammer?

  Thank you, sir.

• 1:05:20Speaker 01

  We were, he was on his way home from work one day and we had to go to his brother's graduation whenever he got home. I was in the middle of getting me and three kids ready for the graduation. I walk out of my bathroom after straightening my hair, getting, getting ready to go to my oldest rooms, like my oldest two's rooms to get them ready. My son, my youngest is following me, like we're, we're all going in there. Well, my youngest decides to go back into my room after I'm headed to the kid to the oldest room and he touches my straightener. Okay, shit happens. He's a kid. He gets curious. Okay, him, his mom, his grandmother, his dad, everybody. And mainly him, it started with him. Neglectful, I'm neglectful. I was on my phone, I was.

• 1:06:03Caleb Hammer?

  So everyone's calling you neglectful?

• 1:06:05Speaker 01

  Yes.

• 1:06:05Caleb Hammer?

  Well, then it might be a stacking thing.

• 1:06:07Speaker 01

  See, the thing is.

• 1:06:08Caleb Hammer?

  If, if multiple people are saying independently, I start.

• 1:06:10Speaker 02

  This isn't just a one episode kind of thing. This is from years of this shit.

• 1:06:15Caleb Hammer?

  If I'm not mistaken, didn't your mom call CPS on the kids that day of your wedding?

• 1:06:19Speaker 01

  Yes.

• 1:06:20Speaker 02

  So, and we, and we fought that case and there was absolutely nothing wrong. Um, so I'm old school, I'll take.

• 1:06:25Speaker 01

  I'll let him, I'll let him explain.

• 1:06:27Speaker 02

  I'll, I'll take ownership for it. I'm old school. My parents taught me if you don't want something done to you, don't do it to them. So my son bit, um, my daughter and I, I bit his finger back.

• 1:06:37Caleb Hammer?

  What the?

• 1:06:38Speaker 02

  And it, um, it, it, it got, it got his finger a little good and my mom called CPS on about that.

• 1:06:43Speaker 01

  But it wasn't just that.

• 1:06:44Caleb Hammer?

  That's weird.

• 1:06:45Speaker 02

  Um, but that's just how I was raised. I was raised.

• 1:06:49Speaker 01

  How I was raised too. We were raised two completely different ways and a lot of aspects, but like that right there was one of the things that was similar, like only with certain things like biting, biting for me, the way that I was raised.

• 1:07:00Speaker 02

  Like I didn't try to bite his finger off. I just.

• 1:07:05Speaker 01

  Yes, you're not doing enough for them to like cry, just.

• 1:07:07Caleb Hammer?

  Okay, I got it. So the iron burned himself what?

• 1:07:10Speaker 01

  Yeah.

• 1:07:10Speaker 02

  Yeah.

• 1:07:12Speaker 01

  Um.

• 1:07:12Speaker 02

  I don't know. It worked for me as a kid.

• 1:07:14Caleb Hammer?

  But what's the iron thing? He got burned?

• 1:07:16Speaker 01

  Um, so yeah, he burned himself and then we got into a whole argument that day over, he was calling me neglectful, saying I was a bad mom. Um, and then.

• 1:07:26Caleb Hammer?

  Based on all the history, I think that might be correct.

• 1:07:29Speaker 01

  Okay, so me and him.

• 1:07:30Caleb Hammer?

  Like maybe he's, it's mean to say, maybe that wasn't the right time, but like.

• 1:07:33Speaker 01

  Okay, well, me and him versus me and like the kids, me, my parenting skills, two different things. So like the CPS thing, the CPS thing was based off of him and then not just that, but I was also accused of being, um, he, his mom brought up how I was busy, being physically abused. I was pregnant at the time and.

• 1:07:50Caleb Hammer?

  You were being abused?

• 1:07:51Speaker 01

  Yes, according to him.

• 1:07:53Caleb Hammer?

  Did that happen?

• 1:07:54Speaker 01

  No.

• 1:07:55Caleb Hammer?

  Okay.

• 1:07:56Speaker 02

  I've never once laid a finger on anybody.

• 1:07:58Speaker 01

  Okay, so the, the issue with his mom is, is she want, she, after I became into his life, she had an attachment with my oldest two kids. She kind of got to a point where she was like over, like breaking all boundaries. All boundaries did not give a shit. And she was basically acting like she was her mom. She would get on to us if we got on to them a specific way. If we dealt with them a specific way, if we did anything with them, the way that she wants to.

• 1:08:28Caleb Hammer?

  What are you trying to say? What was your example? Him just calling you a bad mom? That was it?

• 1:08:32Speaker 01

  No, that's not the only example, no.

• 1:08:34Caleb Hammer?

  Well, that wasn't even an example and I think you are kind of a bad mom.

• 1:08:38Speaker 01

  Um, it's, I'm.

• 1:08:39Caleb Hammer?

  Certainly a bad partner.

• 1:08:41Speaker 01

  Thinking of so many things at once.

• 1:08:42Caleb Hammer?

  Then give me one dude. Seriously, I am so ready to take your side. I typically 75% of the time take the side of the woman in the relationship. I'm a girl's girl. What the? Dude, you're giving me no opportunity here.

• 1:08:55Speaker 01

  My brain's all jumbled.

• 1:08:57Speaker 02

  It's because you came in here hoping that your lies would, you know, follow through.

• 1:09:02Speaker 01

  And the crazy part about it is everything that I've told you guys.

• 1:09:06Speaker 02

  Yeah, but you always tell me in our arguments, the way that my mind works, you don't think how a normal person thinks. You think that because your parents sat there and cheated on each other for 35 years, that it's okay for you to do that. That's not normal. It never has been and never will be. I should have, I should have left you and divorced you the first time you cheated, but I didn't. I stayed. And I told you from the get-go that most people in marriages for less. And you're like, oh yeah, I know, I know, I know. And then four other times, I need space. I, I want a break. We need to separate. But I am still sitting here running back to you.

• 1:09:45Speaker 01

  But I wasn't the only one that did the space thing though.

• 1:09:47Speaker 02

  Yeah, that's right. I got space from you because it was cheating and lying and the text messages and all kinds of shit, dude. I got the away from you because if I, if I didn't, I was going to divorce you.

• 1:09:58Caleb 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.

• 1:10:38Caleb Hammer?

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• 1:11:19Caleb Hammer?

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• 1:11:26Speaker 02

  And I, I've already told you, dude, my, my family has a family lawyer, okay? We're not broke. My dad's in the oil field, my mom's an engineer. We have a family lawyer. I will fight you for custody. And I've already told you that, and I'm trying to avoid that because I promised you from the get-go that I would make sure that my kids didn't have to go to two separate houses for holidays and birthdays and all kinds of shit. I want my family together and that's my goal.

• 1:11:47Caleb Hammer?

  And unless you have it, it kind of sounds like he kind of wins the custody battle.

• 1:11:51Speaker 02

  You have no money. You can't afford the house. You can't afford the truck.

• 1:11:54Caleb Hammer?

  Not even that. I mean, you're the cheater.

• 1:11:56Speaker 02

  Like none of, you, you, you, you're gonna sit here and tell me like, you, you chose to be on this show. So you can walk out of here and we can argue about this on the car ride home, but it doesn't really matter. It doesn't matter. Because now other people see it and millions of other people are gonna see it too. And they're, they're also gonna see, you know, like it's not normal to think that way.

• 1:12:17Speaker 01

  Okay, and I understand that. I understand that it's not normal for people to think the same exact way as everybody else. I know what I did was wrong. I have come to the, I'm not really come to the conclusion.

• 1:12:30Speaker 02

  Let's be real. No, you haven't. That's why you're trying to leave me now.

• 1:12:32Caleb Hammer?

  I mean, the OF thing was not OF, the kick, it's even like poverty.

• 1:12:36Speaker 02

  It wasn't even two months ago.

• 1:12:38Caleb Hammer?

  Yeah, what realization did you come to?

• 1:12:41Speaker 01

  Okay, I get it.

• 1:12:42Speaker 02

  Like that video was taken.

• 1:12:44Speaker 01

  I fucked up.

• 1:12:45Speaker 02

  Right.

• 1:12:45Speaker 01

  And like you were talking about how.

• 1:12:47Caleb Hammer?

  Over the last like four years, multiple times.

• 1:12:49Speaker 01

  You were talking about how, um, a lot of the times, both of them are the bad guys and this is, it might seem like I'm the only bad guy.

• 1:12:57Caleb Hammer?

  Cause you're not able to give me a real example. Him wanting space is normal after you cheat.

• 1:13:00Speaker 01

  Yes, that is normal.

• 1:13:01Caleb Hammer?

  That's not bad. That's not crazy.

• 1:13:03Speaker 01

  Well, it, it's, it's like, I'd have to, I'd have to have like.

• 1:13:08Caleb Hammer?

  You've had an hour and seven minutes.

• 1:13:09Speaker 01

  Yes, I know that. I know that. But like, I'd have to have,

• 1:13:15Speaker 01

  it's a, it's a long list. It's a very long list.

• 1:13:18Caleb Hammer?

  If it's so long, then why have I not heard one in an hour and seven minutes?

• 1:13:21Speaker 01

  Oh, okay, one example. Okay, I have never been a bad mom and he can sit there and tell you right now, just like he has the last, I don't even know how many times told me and a lot of other people, I'm not a bad mom.

• 1:13:32Speaker 02

  Okay.

• 1:13:33Speaker 01

  I've had people make me out to be a bad mom, but I've never been a bad mom.

• 1:13:35Speaker 02

  I'll admit, you know, she's changed a lot from when I first met her.

• 1:13:38Speaker 01

  No, it's.

• 1:13:38Speaker 02

  Okay, she would spend days laying in the bed because she was so depressed instead of taking care of her kids. Her kids would run around the house and shitty diapers for days.

• 1:13:47Speaker 01

  Yes.

• 1:13:48Speaker 02

  Yeah, she got medicated and when I got with her and I helped her, she was, she was 10 times better. But I had to be there next to her doing it.

• 1:13:56Speaker 01

  I had no support. I had no support. I had no one, I had no, I had nothing. I had no.

• 1:14:00Caleb Hammer?

  A part of being a bad mom is actually kind of contributing to the households when we've all decided collectively, we need to make more money. But you don't really do anything to go make more money and then you cheat and you send things behind the scenes and like all of that, is it directly impacting the kid in the moment? No, but it is still bad partner, bad mom.

• 1:14:18Speaker 01

  Yeah.

• 1:14:18Caleb Hammer?

  Like, so I wouldn't say you're perfect.

• 1:14:20Speaker 01

  No, I'm not perfect.

• 1:14:21Caleb Hammer?

  Where do you apply for jobs?

• 1:14:22Speaker 01

  So I've applied for.

• 1:14:24Caleb Hammer?

  Where?

• 1:14:24Speaker 01

  Um.

• 1:14:25Speaker 02

  Online.

• 1:14:26Caleb Hammer?

  What platform?

• 1:14:26Speaker 01

  Oh, on, uh, on the way, on actual websites, like on the company website, FoundEver, um.

• 1:14:32Caleb Hammer?

  Why not Indeed or LinkedIn?

• 1:14:34Speaker 01

  LinkedIn, Indeed, you can never find like work from home jobs and that's for the longest for.

• 1:14:39Speaker 02

  That's why it's there.

• 1:14:40Speaker 01

  But that's the thing though.

• 1:14:41Caleb Hammer?

  Working home is not, I mean dude, we're, I'm sorry, we're in a employers market, not employees. You're not gonna find as many work from home jobs, but.

• 1:14:49Speaker 01

  Well, the ones that.

• 1:14:50Speaker 02

  And after two months of her looking for that shit.

• 1:14:52Speaker 01

  That I usually find on Indeed, I have to have like either bachelor's degrees or just degrees in general or.

• 1:14:58Speaker 02

  Yeah, and then you went and got an M.

• 1:14:59Caleb Hammer?

  I'll give you a course career certification. You can take that from home. People in the audience have converted them into six-figure jobs. I'll get you both honestly, because there's great ones for the trades as well.

• 1:15:07Speaker 02

  Yeah.

• 1:15:07Caleb Hammer?

  Um, I do just have to ask though, my friend, as we're doing the finances, figuring out where we're going, are we together?

• 1:15:15Speaker 02

  I don't know.

• 1:15:15Caleb Hammer?

  Cause that's a part of the finances and here's the thing.

• 1:15:17Speaker 02

  The ball is in her court.

• 1:15:18Caleb Hammer?

  Is it though? Buddy.

• 1:15:20Speaker 02

  I know, but I'm not the one that wants separation. I'm sitting here and I.

• 1:15:24Caleb Hammer?

  You should.

• 1:15:24Speaker 02

  I should, I should. That's right. You're right. A hundred percent. Okay, I should.

• 1:15:28Caleb Hammer?

  Is it, is it because your kid? Why, why don't you want to?

• 1:15:31Speaker 02

  I love her. I love, I love her and I'm sitting, saying this in front of millions of people.

• 1:15:35Caleb Hammer?

  No, it's okay. Love's not bad. Don't be ashamed of love.

• 1:15:37Speaker 02

  I love her. I do.

• 1:15:39Caleb Hammer?

  You shouldn't be embarrassed to love.

• 1:15:40Speaker 02

  It's, it's just.

• 1:15:43Caleb Hammer?

  Don't be embarrassed to love. I get that and that makes it hard. And she, you know, you got with her while you were young and, um, you have the fear of her not being there, you know? You have the memories, you have the good times.

• 1:15:54Speaker 02

  I know I can take care of myself with this job, dude. I'm bringing in 15K a month.

• 1:15:58Caleb Hammer?

  No, I mean the fear of like the person you love not being there.

• 1:16:01Speaker 02

  Absolutely. Yeah, that's why I'm terrified of. I want my family and I know that she can do good. I know she can. She just doesn't.

• 1:16:07Caleb Hammer?

  Can she though? Because this is years of her doing really bad things.

• 1:16:10Speaker 02

  I want to believe it.

• 1:16:13Caleb Hammer?

  But at some point, at some point, we might just have to recognize reality. And I think the reality here is I don't think she can stop doing the bad things. She hasn't been able to. She has three kids and she hasn't been able to grow up enough to become a better person.

• 1:16:32Caleb Hammer?

  And here's the thing, buddy. If you don't leave her, I mean, she told us, I think this morning. I mean, she, yes, two days ago, she said she wants a divorce, but like, it was just immediately before filming or whatever. She considers you guys separated right now. She considers you guys separated.

• 1:16:50Speaker 02

  Yeah.

• 1:16:50Caleb Hammer?

  And you know what happened last time she considered you separated?

• 1:16:52Speaker 02

  She cheated.

• 1:16:56Caleb Hammer?

  So what's gonna be happening a few days from now when you're still separated? This isn't fair for you to deal with. I'm, listen, she hasn't been able to give good examples, but let, let's just assume for a second, you've done some piece of shit behavior.

• 1:17:07Speaker 02

  I will admit, I'm an asshole.

• 1:17:08Caleb Hammer?

  Which you've said you're an asshole, all this stuff, and I'm glad you're willing to admit that. I'm glad you're willing to make your main mistakes, okay? But admit, but even with you being a piece of shit, her considering you guys separated, everything she's doing right now, you don't, you don't deserve having to stick around and deal with this for the rest of your life. You will find love again. You're young, and I know the fear of feeling like, maybe the person I love won't be there. There are other things, and I, I wanna do the budget, but the big question in the end is, will she be there? Will you be there? Cause you consider yourself separated as of literally right now.

• 1:17:46Speaker 01

  Well, yeah, and like the last few days that we have been separated, like I've been explaining to him, it's not really something you can put a timeline on, or that you can rush.

• 1:17:55Speaker 02

  Right.

• 1:17:56Caleb Hammer?

  What? Rush what? The separation?

• 1:17:59Speaker 01

  No, the figuring out if like, staying for both of us is worth it.

• 1:18:07Speaker 02

  Yeah.

• 1:18:09Caleb Hammer?

  So he's waiting for your decision?

• 1:18:11Speaker 02

  Yeah, I'm waiting for her to make up her mind if she wants to leave and, you know, keep my house and try to put me on child support and me go to Louisiana.

• 1:18:20Caleb Hammer?

  This is insane. You do all this bad shit to him that is oh, immoral in a relationship. Like, you guys weren't open.

• 1:18:27Speaker 02

  Cause she, she literally told me the other day, like, child support comes with a divorce. Child support comes with a divorce.

• 1:18:32Speaker 01

  But it's not like, okay, so he always had.

• 1:18:35Caleb Hammer?

  You do all the bad things, and now you say you don't even know if you wanna stick around, and you're making him wait. Do you see how evil that is?

• 1:18:42Speaker 01

  I do see, it's fucked up.

• 1:18:43Caleb Hammer?

  No, this is, his emotions have honestly probably been fucked with more than like most 95% of people.

• 1:18:50Speaker 02

  And she always tells me that, she's like, I haven't, I understand you've endured trauma. I might not have endured trauma like you have.

• 1:18:56Caleb Hammer?

  She is the trauma.

• 1:18:57Speaker 02

  Dude, I've endured so much as a kid.

• 1:19:00Caleb Hammer?

  Dude, I'd say even more as an adult. The amount of shit you're putting him through, the emotional turmoil is some of the most batshit insane I've seen in this show. Multiple cheats and making him literally wait to deserve, he has a job lined up. He doesn't know what to do. When do you have to move?

• 1:19:17Speaker 02

  In a couple of weeks. My, my cousin.

• 1:19:19Caleb Hammer?

  He's waiting, a couple of weeks. What's the new salary?

• 1:19:22Speaker 02

  Uh, it's a hundred and seventy thousand a year.

• 1:19:24Caleb Hammer?

  Oh, and you're literally just making him wait? You're like, I, I can't decide if I wanna be with you forever. If I want the kids, if I'm gonna take child support, I just can't.

• 1:19:35Speaker 01

  Well, I mean, we've, we've had conversations involving, you know, us not staying together.

• 1:19:41Caleb Hammer?

  And what are the conclusions of those conversations?

• 1:19:43Speaker 02

  Me taking care of her and the kids?

• 1:19:45Speaker 01

  No, no, no, no, but that's not, that's not, no, that is not me saying those things. That is you telling me, like, one of the things, okay, one of the examples was that every single time we have ever gotten any kind of fight, even the smallest thing you threaten to take, all of my kids for me, because his mom and my ex-husband.

• 1:20:03Speaker 02

  Right, because when you fall into a, when you fall into a depression spiral, you don't take care of your fucking kids.

• 1:20:09Speaker 01

  And I have, since me and you have been together, I've become.

• 1:20:12Speaker 02

  What does it matter? Dude, how do I know that when I'm gone and I'm, you know, working seven days a week, 12 hours shift, that you're not piled up in the bed, you know, eating soda, or drinking sodas and eating candy, watching sad romantic movies, and the kids are in the next room screaming and crying?

• 1:20:26Speaker 01

  I have shown you in the last four years that we have been together, that my depressive episodes, considering the fact that I have been depressed multiple.

• 1:20:31Speaker 02

  Four years that we've been together and you've been, you know, finding attention from somebody else, and dick and vaginas and all kinds of shit, dude. You can sit here and you can tell somebody, I'm not gonna sit here.

• 1:20:40Speaker 01

  And this is why I haven't been able to give an example.

• 1:20:42Speaker 02

  And I'm, I'm not, but I'm being realistic.

• 1:20:43Speaker 01

  This is why I haven't been able to give an example. Because.

• 1:20:46Caleb Hammer?

  He's saying real things.

• 1:20:47Speaker 01

  He's saying real things, yes.

• 1:20:48Speaker 02

  But that's the thing, though, is I've given you multiple opportunities, and so has Caleb. He's given you multiple opportunities to have the floor, and he's even told me to shut up and let you talk.

• 1:20:56Speaker 01

  The problem is, is that, like, you're saying that it was my decision and my idea for you to take care of me and the babies whenever.

• 1:21:05Speaker 02

  Nope, I offered to help.

• 1:21:07Speaker 01

  You, okay.

• 1:21:08Speaker 02

  You get a, I said, I will take care of you and the kids. You guys can stay down here for a month. I said, I will pay your bills for a month, and then once that month is up, you're on your fucking own. I even told you that I would even help you find a car. I didn't say I'd pay for it. I said, I would help you find a car.

• 1:21:23Speaker 01

  You.

• 1:21:24Speaker 02

  Now, if you go with me to Louisiana, I told you I'd buy a car. Two weeks, I'd buy you a.

• 1:21:28Speaker 01

  Me going is one thing.

• 1:21:30Speaker 02

  Yeah.

• 1:21:31Speaker 01

  And, okay, so when we talked about me not going, you offered to take care of me and the kids.

• 1:21:39Speaker 02

  For a month.

• 1:21:39Speaker 01

  I'm in school right now.

• 1:21:41Speaker 02

  That's fucked up. I asked you to, I asked you to get a job.

• 1:21:47Speaker 01

  Me or him?

• 1:21:48Caleb Hammer?

  You.

• 1:21:48Speaker 01

  Oh, it's open.

• 1:21:50Caleb Hammer?

  Okay, you asked her to get a job.

• 1:21:52Speaker 02

  I asked you to get a job. I didn't ask you to, you know, go to fucking school and get an MA.

• 1:21:57Speaker 01

  I know that.

• 1:21:58Speaker 02

  I know, but what does medical assistance have to do with getting a job and helping provide for our family?

• 1:22:02Speaker 01

  I was also trying to get a job.

• 1:22:04Speaker 02

  She doesn't have very many people. She doesn't talk to her.

• 1:22:06Speaker 01

  Like, look at my contacts.

• 1:22:07Caleb Hammer?

  But that's not even possible. How are you deleting? She has to be deleting messages.

• 1:22:10Speaker 02

  She is.

• 1:22:10Speaker 01

  Look at my contacts.

• 1:22:11Speaker 02

  She has been.

• 1:22:12Caleb Hammer?

  No, that doesn't even matter. No, both spam and everything, like, this, this, this doesn't exist. No one has, I don't think that's like possible to have that fear.

• 1:22:19Speaker 02

  Go to her recently deleted.

• 1:22:20Caleb Hammer?

  You literally can't.

• 1:22:21Speaker 02

  Go to her recently deleted and scroll.

• 1:22:23Caleb Hammer?

  Oh.

• 1:22:24Speaker 02

  Yeah.

• 1:22:25Speaker 01

  But it's all, it's all spam and codes and.

• 1:22:28Speaker 02

  But she also, you know, does set up a lot of doctor's appointments and shit like that. She does the stay-at-home mother duties.

• 1:22:34Speaker 01

  And I was the one that did every bit of talking during the buying the house.

• 1:22:36Speaker 02

  I didn't, I didn't come onto this show not looking at her phone. I promise you, if I found something, I was gonna, I was gonna, I was gonna bring it with me.

• 1:22:42Caleb Hammer?

  So you look constantly?

• 1:22:43Speaker 02

  Oh, I, dude, I have to.

• 1:22:45Caleb Hammer?

  I would too. I would too. I get it. I think it's really bad in relationships, but.

• 1:22:49Speaker 02

  Dude, when I met her, I was the most nonchalant, chill, laid-back dude that she had ever met. She even complained about how nonchalant I was, and then it has been nothing but cheating, lies, neglect, telling me, you know, oh, I need space, this, this, and that. Dude, you're neglecting my feelings and how I feel.

• 1:23:07Caleb Hammer?

  Okay.

• 1:23:07Speaker 02

  That's what I mean by neglect.

• 1:23:08Caleb Hammer?

  So this new job's gonna be incredible, obviously.

• 1:23:11Speaker 02

  Yeah.

• 1:23:11Caleb Hammer?

  Um, listen, I, oh.

• 1:23:16Caleb Hammer?

  I'll get you set up, both of you, cause I honestly don't think you should be together. Even if you decide to be together, I don't think you should be. I'll get you both the Dollar Wise Budgeting App for free forever, okay? That's a good way. Just start that. Use that as a budgeting app. I'll also get you on our Master Your Money program, so you take all the educational courses about budgeting, investing, all that good stuff. You get that. Course, careers, like, every resource we can get you, I will get you. But you get child support right now, right? And how much is that?

• 1:23:45Speaker 01

  Uh, it's not much, it's six sixty-three a month.

• 1:23:48Caleb Hammer?

  That's really not much.

• 1:23:50Speaker 01

  I'm supposed to be getting double that, but I agreed with my ex-husband to get that much.

• 1:23:54Speaker 02

  Yeah, she'll be civilized with her ex-husband, but not me.

• 1:23:57Speaker 01

  And I was, I'm not gonna, he's, we need to get the finance, so I'm not gonna get into that.

• 1:24:06Caleb Hammer?

  Huh?

• 1:24:06Speaker 01

  He's saying that I'll be civilized with my ex-husband, but I won't be civilized with him.

• 1:24:10Caleb Hammer?

  Uh huh.

• 1:24:10Speaker 01

  One of the things that he's been scared about, every, anytime me leaving or us splitting up in general comes up, he's scared that I'm gonna take him for everything he's got.

• 1:24:18Speaker 02

  No, not necessarily. With this job, you could try to take me for everything I've got. I'm still gonna have like seven grand left over to load, dude. I'm gonna be, I'm gonna be renting a house with my cousin in New Orleans, dude, on the strip. I'll go party every fucking weekend.

• 1:24:32Speaker 01

  My ex-husband?

• 1:24:34Speaker 02

  I'll take care of my kids.

• 1:24:35Caleb Hammer?

  I think you should.

• 1:24:35Speaker 02

  I'll take care of my kid and make sure that my kid's taken care of, and I promise you, I will fucking do that. But in all reality, not much is keeping me around. I'm trying to give you the benefit of the doubt. Dude, I really am, and I have been for the past four years, but you're not, you're not helping your case. And I'm so glad that I did decide to come on here, because now more people are gonna realize that I'm not crazy and I'm not a bad guy.

• 1:25:00Caleb Hammer?

  No, I don't think you are.

• 1:25:01Speaker 02

  And with everything that you've said, dude, I've given valid explanations and valid points. I've even given you proof. Text message and video proof, and you have just done, sit here and um, um, um, um, for an hour and twenty minutes.

• 1:25:18Speaker 01

  It's kinda really hard to put on spot. I didn't think it was gonna be this.

• 1:25:22Caleb Hammer?

  But you have had an hour and twenty now.

• 1:25:23Speaker 02

  Yeah, but it's been four years of neglect, right? Like, I've, I've neglected how you feel and treated you and all that shit for four years. It shouldn't be that hard. You've made a decision to leave, right?

• 1:25:32Speaker 01

  Well, yeah.

• 1:25:32Speaker 02

  You can sit there and go on, Johnny on the spot with.

• 1:25:37Speaker 02

  But you can't do that shit on live?

• 1:25:38Speaker 01

  But the thing is, she sees it though. Like she has seen it for herself. She's seen you act the way that

• 1:25:46Speaker 02

  And I have not once-

• 1:25:47Speaker 01

  You act in closed doors.

• 1:25:48Caleb Hammer?

  What is the act?

• 1:25:49Speaker 02

  I've never once said here and lied about anything.

• 1:25:51Speaker 01

  Anytime me and him would get into a fight, he'd, okay, so He, he basically went no contact with his mom for a while and his best friend because his mom started treating his best friend like He was-

• 1:26:01Caleb Hammer?

  Well, his mom also reported you got a CPS, so I think I would also go no contact-

• 1:26:05Speaker 01

  And he, he used his mom-

• 1:26:08Caleb Hammer?

  Was he evil for that?

• 1:26:09Speaker 01

  No, okay, so he would go to his mom, but then he would get mad at me for going to my best friend. And so-

• 1:26:15Speaker 02

  That's the thing though, you told me I was never allowed to talk to anybody about-

• 1:26:18Speaker 01

  To my best friend.

• 1:26:19Speaker 02

  Our problems.

• 1:26:20Speaker 01

  He, every time I would get into a fight, he'd threaten to kick me and my two kids out, make us homeless.

• 1:26:25Caleb Hammer?

  Is that true? Every fight, you would threaten to kick them out?

• 1:26:27Speaker 02

  I threatened to kick her out. I threatened to call the father that's in the military and has a house to come and get his kids to take care of them.

• 1:26:33Speaker 01

  He's not active in their life. He calls three times a week. He does a bare minimum on the local service.

• 1:26:36Caleb Hammer?

  How many times have you threatened this in four years?

• 1:26:39Speaker 02

  I, I don't know.

• 1:26:40Speaker 01

  A lot.

• 1:26:40Caleb Hammer?

  Okay, well, that, okay, that is not good. That is not the healthiest conclusion to jump to immediately.

• 1:26:45Speaker 02

  That is correct.

• 1:26:46Caleb Hammer?

  It gets manipulative. That's, that's not good.

• 1:26:48Speaker 02

  But it's-

• 1:26:49Speaker 01

  It's not, it's not just that though, like he-

• 1:26:51Caleb Hammer?

  However, that being said, if someone cheated on me, I would also threaten to kick them out.

• 1:26:54Speaker 02

  From the goodwill of a relationship.

• 1:26:56Speaker 01

  Understandable, but at the same time, like, Like he sits there and he tells me that he cares about my kids and all this kind of stuff, and then he threatens to take my kids, all three of them away from me.

• 1:27:05Speaker 02

  I do, I love those kids more than I love myself, okay, but legally, By law, I am not obligated to those children. You are not obligated to let me see those children after we split. Those kids do not share my blood and they do not share my last name, so technically you are not obligated to do so.

• 1:27:23Speaker 01

  And I know that.

• 1:27:24Caleb Hammer?

  Unless you get some like legal, uh, uh, like adoption is, right?

• 1:27:29Speaker 01

  Well-

• 1:27:30Speaker 02

  And that's expensive.

• 1:27:31Speaker 01

  Yeah.

• 1:27:31Speaker 02

  I've been through that-

• 1:27:32Speaker 01

  And that takes-

• 1:27:33Speaker 02

  With my, my-

• 1:27:34Speaker 01

  Their dad.

• 1:27:34Speaker 02

  Stepdad.

• 1:27:35Caleb Hammer?

  Guys, in the finances, we've spent $500 going out to you last month, $500 on miscellaneous bullshit. Uh, you spent a lot of money on bullshit. This checking account, it has a little bit of money on it, but not much, and it is a lot of bullshit. Uh, there is some PlayStation, there's some smoke stops on PlayStation, uh, going inside the gas station, getting some bullshit and-

• 1:27:52Speaker 02

  Yeah, that's every week. I, I get energy drinks and buy some water.

• 1:27:56Caleb Hammer?

  Station, Whataburger. Yeah, so here you go, buddy. This is what I recommend. Listen, you can probably afford energy drinks once we pay off the debt and we get the, uh, emergency fund saved up and all that stuff.

• 1:28:06Speaker 02

  Yeah.

• 1:28:06Caleb Hammer?

  But for now, make it at home. It tastes better than the energy drink you get, I promise. Make it in a little shaker. It's 40 cents a serving with our discount code. That's gamersubs, link in the description below. Yeah, there's a pack on it, uh, or a thing. Our flavor's coming out at the end of July, which is honestly probably when, uh, just about this episode's coming out at this point, right? Just about? So just get ready, liquid assets. We curated this flavor, took us months to get the best flavor possible. Check it out, link in the description below. But the reality is, in this checking account, it's a lot of spending on bullshit, okay? Don't need to go into hyper details there, but we're spending minimum $1,500 a month on bullshit. That's the reality.

• 1:28:44Caleb Hammer?

  And I need to get into the debt situation. Um, you'll control your spending using the Dinoise Budgeting app. You have to cut back on the bullshit. And especially the dangerous situation here, I'm pretending like you guys are staying together, but even if not, even if it's just you, you're about to get a massive Pay jump. And what happens when that, in our culture, when people get that, they immediately start spending aggressively more.

• 1:29:07Speaker 02

  Yeah, my cousin was telling me, he's like, dude, when I got this job, I'd walk into Cabela's. Cabela's is like a real fancy, like, western store.

• 1:29:12Caleb Hammer?

  I know Cabela's.

• 1:29:13Speaker 02

  Sorry, a lot of people-

• 1:29:14Caleb Hammer?

  I'm a [__] guy.

• 1:29:15Speaker 02

  My bad, my bad. Um, But he said he'd walk in there and he would just buy shit without looking at the price.

• 1:29:23Caleb Hammer?

  Exactly.

• 1:29:24Speaker 02

  And I don't want to do that. I want to be able to, you know, I want to be able to Save enough money to where if I absolutely need to, I can come home and just not work for a [__] year.

• 1:29:34Caleb Hammer?

  But the thing is, buddy, we're overdrafting on Cash App for Wingstop. So that's where our behavior already is with our spending now, where it terrifies what you'd be at at 170.

• 1:29:44Speaker 02

  Right.

• 1:29:45Caleb Hammer?

  So you need to, you can keep the lifestyle you have now, but you cannot inflate it, because that'll give you a lot of extra room. But if you start spending more than you do now, it's going to get dangerous very quick. Because you know the worst people, the people that have the worst finances in the show aren't low income earning families. They're high income earning families, because they get more debt. You'll get access to things you haven't even thought of.

• 1:30:05Speaker 02

  I know.

• 1:30:05Caleb Hammer?

  And you will [__] with bad cars, bad rent, bad house, bad-

• 1:30:09Speaker 01

  You get a very big head.

• 1:30:10Caleb Hammer?

  Destroy your life. So you need to, before you take this job, which is very quick, I need you to start consuming all the, our budgeting class and everything. Day in, day out, completed, take all the quizzes. You need to own this shit, because the moment this thing hits, it'll be like a bomb.

• 1:30:27Speaker 02

  Okay, can I give you-

• 1:30:28Caleb Hammer?

  This income will be a bomb.

• 1:30:29Speaker 02

  Can I tell you the plan that I have for this job?

• 1:30:31Caleb Hammer?

  Yeah, let me-

• 1:30:31Speaker 02

  Whether she comes with me or not, um, if she decides not to come with me, she can have the [__] house. I'll pay, like I said, a month, and then she's got to figure out bills on her own.

• 1:30:39Caleb Hammer?

  What is that, uh, mortgage on this house?

• 1:30:41Speaker 02

  That is 1206?

• 1:30:44Speaker 01

  I think 1205 and change.

• 1:30:45Speaker 02

  1205 and then it's $300 for light, and then it's another 200 for electricity.

• 1:30:49Caleb Hammer?

  Okay.

• 1:30:51Speaker 02

  And then-

• 1:30:51Caleb Hammer?

  I'll get that in the end, but that's good to know.

• 1:30:53Speaker 02

  Um, so-

• 1:30:54Caleb Hammer?

  So you'll pay for that.

• 1:30:55Speaker 02

  I'll pay for a month and then she's going to have to figure out something. Um, what I planned on do, doing is going down there. My cousin ha- Found a two-bedroom, two-bath house and, you know, it's just going to be me and him, so we'll just kind of like roommate. 1,600 a month. That's $800 split a month. That's nothing.

• 1:31:13Caleb Hammer?

  What's your paycheck expected to be net?

• 1:31:14Speaker 02

  Net? I think it was like 14, 8.

• 1:31:17Caleb Hammer?

  Ooh, that's going to be nice.

• 1:31:18Speaker 02

  Yeah, but I, what I want to do for a month, what I want to do is I want to try, if she comes with me, Then I know that I'm going to be able to save less because I have more to take care of, but if it's just myself, I want to save at least eight grand a month. If not more, maybe even 10. If I'm making-

• 1:31:36Caleb Hammer?

  It's, it's going to be closer to eight, but-

• 1:31:38Speaker 02

  If I'm making like-

• 1:31:39Speaker 01

  The job also gets a lot of rainouts because of the area.

• 1:31:42Speaker 02

  Yeah, and even with rainout, so on a normal week-

• 1:31:44Caleb Hammer?

  What's rainout? You can't work or you need to work?

• 1:31:46Speaker 02

  Yeah, so I'll be driving a big haul truck.

• 1:31:48Speaker 01

  Yeah.

• 1:31:49Speaker 02

  Filling up dirt, making 28 an hour, $140 a day per diem.

• 1:31:53Caleb Hammer?

  Okay.

• 1:31:53Speaker 02

  That is seven days a week, 12-hour days. If it rains, you know, you might have a couple of days off.

• 1:32:00Speaker 01

  During those rainouts, during those days of rain-

• 1:32:02Speaker 02

  But my goal is to save all of my per diem every week and put that up for rainy day shit.

• 1:32:07Caleb Hammer?

  Which I like, I like, so let's-

• 1:32:09Speaker 02

  And that's my goal.

• 1:32:10Caleb Hammer?

  Let's get there. I like that goal. And your Cash App is a lot of spending though. Again, in the bullshit I read off, that's what it was. It's PlayStation-

• 1:32:16Speaker 02

  I've actually lost my wallet, so I, I don't know where my wallet's at, so Cash App's kind of my main priority.

• 1:32:19Caleb Hammer?

  But you have to stop spending on bullshit. Actually, we'll be able to budgeting you being able to spend a little bit on bullshit. Um, okay, so there is a lot of debt. Now, this thing is Collections. Okay, so we have Someone has 670 in collections.

• 1:32:36Speaker 01

  Okay, um-

• 1:32:37Caleb Hammer?

  It's medical.

• 1:32:38Speaker 01

  I'm just going to go ahead and let you know, we don't know who exactly has what and what exactly they are. We do know that some are, some are medical and some are just like stupid small shit like internet.

• 1:32:48Caleb Hammer?

  Well, there is a charge card, Comedy Capital.

• 1:32:51Speaker 01

  That's mine.

• 1:32:52Speaker 02

  That's hers.

• 1:32:52Speaker 01

  Yeah, that's mine.

• 1:32:53Speaker 02

  She's the one with credit cards. I've never had a credit card. In fact, when I met her, I didn't have any [__] credit at all.

• 1:32:58Speaker 01

  He had some, just not like, yeah.

• 1:33:00Caleb Hammer?

  Collections I'm not freaking out about, but this card is 445 with a $16 minimum payment.

• 1:33:05Speaker 01

  Yes.

• 1:33:07Caleb Hammer?

  Uh, this one's in collections. I'm not going to freak out about that. Okay, this one's active. Uh, Santander Bank auto loan. So it's the car, which is on you.

• 1:33:16Speaker 02

  Yes. And so the, earlier when she was saying about how she couldn't get on the car, my buddy was the reason we got that car, because I had no credit. Her credit was like a [__] 400 at that point.

• 1:33:30Caleb Hammer?

  Hers?

• 1:33:30Speaker 02

  Yes.

• 1:33:30Caleb Hammer?

  Oh, good.

• 1:33:31Speaker 02

  When we went into the dealership-

• 1:33:32Caleb Hammer?

  Yeah, that would have hurt, actually, putting her on.

• 1:33:34Speaker 02

  He was like, dude, no credit is better than having this kind of credit, so I'd rather just have you on there instead of, you know, having her and me.

• 1:33:41Caleb Hammer?

  The other thing that was supposed to make him be the villain, again, comes out. You made a mistake bringing him on, because if we heard all of this without his counter, He would 100% been an evil piece of shit for like preventing you from getting on the title and using it to [__], [__], [__], [__]. No, he's right. You being on that probably would have damaged it.

• 1:34:00Speaker 01

  Well, I mean, I don't, I don't know how that works.

• 1:34:03Speaker 02

  It's very simple. I explained it to you.

• 1:34:05Caleb Hammer?

  She was going to make you look like a piece of shit, because she doesn't know how.

• 1:34:07Speaker 02

  And I explained that to her when I grabbed the [__] keys and drove away. Why didn't I sign any paperwork? Credit score is at a, like a 400.

• 1:34:15Speaker 01

  No, he didn't explain. No, he didn't explain.

• 1:34:16Speaker 02

  My buddy, my buddy-

• 1:34:17Caleb Hammer?

  I don't even care. That's just why it happened.

• 1:34:20Speaker 02

  My buddy told me right then and there, he's like, dude, if you put her on there, you're not going to be able to get this car. It's the only [__] car in the dealership we could have got. We looked at 2022s, Jetta's, like nice ones, and he was like, dude, this is the only car I can get.

• 1:34:32Caleb Hammer?

  Another concern, I've seen your spending, right? It is not good, and you were 30 days late as of February. Like, you have caught up, you've caught up, but in the month of February, you were 30 days late. So if that's the behavior we're in, where we're, it's under credit reporting.

• 1:34:44Speaker 02

  In the car? Yeah, I haven't had that car since December of last year. That's my buddy.

• 1:34:50Caleb Hammer?

  Oh, shit, but he still has, it's on your credit, so you have to take care of it.

• 1:34:53Speaker 02

  Yeah.

• 1:34:53Caleb Hammer?

  So this, this is not your payment to make?

• 1:34:55Speaker 02

  Absolutely not, no.

• 1:34:56Caleb Hammer?

  But it is under credit, so it has to be made.

• 1:34:58Speaker 02

  He is very consistent with making that payment. Every payment.

• 1:35:00Caleb Hammer?

  Okay, just not February, which did hurt you.

• 1:35:02Speaker 02

  Yes.

• 1:35:02Caleb Hammer?

  It hurt your credit.

• 1:35:03Speaker 02

  Yeah.

• 1:35:03Caleb Hammer?

  So you need to be on that.

• 1:35:04Speaker 02

  I saw that. I went from like, I think like a, like a 6, 605 to like a 544.

• 1:35:09Caleb Hammer?

  Verizon's in collections, so I'm not freaking out about it. Uh, Helium's a really good, you know, cheaper plan, 15 bucks a month for like the same kind of services T-Mobile. I would check that out.

• 1:35:18Speaker 02

  The only reason we have, we went to collections on Verizon is because, so when we first started, they told us it was $108 for both phones and service a month, so that would have been like 200 something. And then, you know, we got our first bill, it went from like 200 something to 3, 360, and then it progressively got worse.

• 1:35:35Speaker 01

  And it got to the point where it was like $600.

• 1:35:37Speaker 02

  600 bucks a month. And I'm like, dude, there's no way in God's green earth that, uh, you know, unlimited service and, you know, these two phones and stuff like that is costing that much.

• 1:35:47Caleb Hammer?

  I did, so again, for the audience and for you guys, actually, um, I didn't even have that for a section to be long, just because you don't have much, I thought, I thought, the stack was huge. I thought there was a lot here, but Uh, because I, I don't even know what the finances look like before I see them. That's the fun part of the show. It's all collections. There's really not much here, so there's like not even much for me to talk about, I'll be honest. The collections, I don't give a shit about. I mean, you guys can negotiate it, you can do like, whatever, it's fine. Um, but really, all you have is that car that's actually him paying on it. Uh, alone with Verizon, but that's in your monthly phone plan, so I'm not freaking out about that. And then your house, which we already get, we got your minimum payment.

• 1:36:29Caleb Hammer?

  And the balance is 103,535.45. So this is why I don't like it and why I'm not like calling it a house specifically, like we can call it a house, it's fine. But it's at a 10.5% rate, because you don't have like a traditional mortgage on it.

• 1:36:42Speaker 02

  Yeah, they told us originally it was 6%.

• 1:36:43Caleb Hammer?

  Yeah, but no, it was eight. But even still, this is 10.5, which is horrendous, and it started depreciating assets. So this, Preferably, actually, if you're leaving, I would try to sell it.

• 1:36:55Caleb Hammer?

  I really would. Don't go through the hassle renting. Trust me. Are you gonna have a third party service that rent?

• 1:37:01Speaker 02

  What do you mean?

• 1:37:02Caleb Hammer?

  Or manage the rental property for you?

• 1:37:04Speaker 02

  Uh, no, the guy on the land actually does that. That's why we put it on that piece of land. So I didn't have to do that.

• 1:37:10Caleb Hammer?

  I would just sell it. Honestly, get rid of the hassle. You're about to jump up to such a super stage in life, making four times the average or three times the average salary in this country? Don't even worry about this. Get rid of it. Sell it at a loss even. Get rid of this 11% debt. Focus on the savings. Okay. Focus on the savings. Cause that's really all there is. Everything else is collections and then a debt that someone else is taking care of. So guys, who's debt is whose? I don't give a their collections. Like it's not that collections are insignificant. What I would do is pull my credit report, pull his credit report, you know? And then I would just start negotiating those as we have money saved up. But other than that, it's not like you have minimum payments for me to put into the budget. So I'm not freaking out right now.

• 1:37:53Caleb Hammer?

  And they haven't sued you to go get a court order and get your wages garnished anyway. So I'm not like dying right now. Unless there's a court order I don't know about. So then I'm not freaking out. They can do that, but none of these balances are really big enough for them to really care.

• 1:38:07Speaker 02

  From the get go, when she was like, oh, we need to go on this show. I told her, I was like,

• 1:38:10Speaker 01

  Well, I didn't know that collections weren't included. I didn't know that like,

• 1:38:13Caleb Hammer?

  The collections are horrible, but the thing is,

• 1:38:16Speaker 01

  See, that's what I was, I was including all the collections with everything.

• 1:38:18Caleb Hammer?

  About them in your new budget, which is what we're caring about.

• 1:38:21Speaker 02

  Actually watch his videos. For the past six months, I've been watching him consistently. He's been on my stuff. And if you would watch, there's some people that come on here with $700,000 worth of debt.

• 1:38:31Speaker 01

  Oh yeah, I know that.

• 1:38:32Speaker 02

  Our debt is,

• 1:38:33Caleb Hammer?

  Do you agree to sell this trailer?

• 1:38:36Speaker 02

  I'll consider it depending on,

• 1:38:37Caleb Hammer?

  Dude, trust me. I've been through all, I've, I've seen every fine,

• 1:38:41Speaker 02

  I don't know how I would go about that. It's brand new.

• 1:38:43Caleb Hammer?

  Exactly. Which is almost perfect.

• 1:38:45Speaker 02

  It's brand new. Like there's like, dude,

• 1:38:46Caleb Hammer?

  Did he don't want to move in? Shit. Uh,

• 1:38:48Speaker 02

  We've been in it a month. Like the house is still brand new, brand new appliances, 2026 fridge, Samsung dishwasher, um, brand new 2026, um,

• 1:38:59Speaker 01

  Oh, I think 2025, not 2026.

• 1:39:01Caleb Hammer?

  What I would try to do is sell it. And even if you sell it for loss and you owe like 20 in the end, like it's fine. You will kill 20,000 hours in two months. You'll kill 20,000 hours in two months and then you don't even have to worry about it because your life is about to go super, supersonic. Don't even worry. And she's probably not a part of it because she's an evil whore. So don't even just worry about this. You know what really sucks though? He considers those kids like his kids. I know there's legal shit and that's honestly probably why he, he loves you, but also the kids, he doesn't want to lose the kids. So it's like, what's he gonna do? I guess the rest of his life is going to be miserable because you're around. And that sucks. But for the sake of the kids, I get it. I might do the same. That sucks, man. So, uh, what's your rent gonna be over there?

• 1:39:47Speaker 02

  My rent? Uh, 16. If I move in with my cousin, it'll be 16. If not, then we're going to explore houses while I'm down there.

• 1:39:55Caleb Hammer?

  Not buying.

• 1:39:56Speaker 02

  If she, no renting, absolutely not. What my goal was, because I, I never got to finish.

• 1:40:00Caleb Hammer?

  Okay. Let's do this aggressive then. Let's say you're renting a house. It's going to be 2,400.

• 1:40:04Speaker 02

  Holy shit.

• 1:40:05Caleb Hammer?

  I, I know. We're going aggressive, right? Like I don't want you to do that. But let's say you have to.

• 1:40:10Speaker 02

  We found a three bedroom brick house for 12. I think it was like 16.

• 1:40:14Caleb Hammer?

  Okay. You know what? Then let's call 16. So you don't even rent with your cousin actually. But okay, 16, let's call utilities again. Let's just be aggressive. Let's go.

• 1:40:22Speaker 02

  800 total.

• 1:40:23Caleb Hammer?

  800. Okay. Uh, phone bill. What's your phone bill right now?

• 1:40:27Speaker 02

  200.

• 1:40:28Caleb Hammer?

  Yeah. It sucks what you owe on your phones. Uh, what will your gas be? Well, you're getting pretty, uh, what, what do you think we're going to spend on gas?

• 1:40:35Speaker 02

  Um,

• 1:40:35Caleb Hammer?

  We're driving around.

• 1:40:36Speaker 02

  It's probably not going to be far from the show up. So a lot less than what I'm spending now. I'm spending like $200 a week on gas.

• 1:40:43Speaker 01

  And it's probably gonna be closer tomorrow. 45 minutes away.

• 1:40:46Caleb Hammer?

  Yeah. Yeah. But now in the new place, it's gonna be like 250 a month?

• 1:40:49Speaker 02

  Yeah, I,

• 1:40:50Speaker 01

  I'd put probably 300.

• 1:40:52Speaker 02

  I'd probably put like maybe three or 400 a month on gas. Cause my truck isn't,

• 1:40:55Speaker 01

  Right now he's using 350 a month on gas.

• 1:40:57Caleb Hammer?

  I'm gonna put 350. Gas prices are going in the right direction.

• 1:41:00Speaker 02

  Right.

• 1:41:01Speaker 01

  Yeah.

• 1:41:01Caleb Hammer?

  Uh, car, uh, car insurance, how much?

• 1:41:03Speaker 02

  Um, I was ignorant as a kid, so I pay 82 a week. I think it was like 364 a month.

• 1:41:09Caleb Hammer?

  Okay.

• 1:41:11Speaker 01

  Just look at the, look at the notes.

• 1:41:13Caleb Hammer?

  I'm budgeting,

• 1:41:13Speaker 01

  So you know, like exactly.

• 1:41:14Caleb Hammer?

  750 for food. Cause we're meal prep like crazy.

• 1:41:17Speaker 02

  Oh man, 750 is a lot.

• 1:41:20Caleb Hammer?

  Well, you guys go out to eat a lot right now. That's, it's gonna feel different.

• 1:41:23Speaker 02

  If it's just me, dude, maybe $200.

• 1:41:25Caleb Hammer?

  You're gonna be taking care of kids and stuff too.

• 1:41:27Speaker 02

  Yeah. But that's if she decides to come with me. If not, then you know,

• 1:41:30Caleb Hammer?

  Would you let her?

• 1:41:32Speaker 02

  Absolutely. I love her.

• 1:41:34Caleb Hammer?

  I know.

• 1:41:35Speaker 02

  I, I can't, I can't just,

• 1:41:36Caleb Hammer?

  I'm just gonna assume she is. I'm doing 750. Household TP fund, anything else for you and the kids? I'm gonna do 250. That's their fun stuff. Theirs.

• 1:41:43Speaker 02

  Yeah.

• 1:41:43Caleb Hammer?

  Sports activities and everything. Medical healthcare. You have, obviously that's going to be taken pre-work, but are there copays on a monthly basis?

• 1:41:49Speaker 02

  Absolutely. Um, uh,

• 1:41:50Caleb Hammer?

  How much?

• 1:41:51Speaker 02

  Uh, out of, out of my paycheck every week.

• 1:41:53Caleb Hammer?

  No, I know. That's pre paycheck. What about copays?

• 1:41:55Speaker 01

  About like,

• 1:41:55Caleb Hammer?

  It's when you go and you pay a little fee to see the doctor.

• 1:41:58Speaker 02

  Um, probably maybe like 75 bucks total, like at the,

• 1:42:01Speaker 01

  Well, I mean, that's, that's, you said a month, right?

• 1:42:03Caleb Hammer?

  Yeah.

• 1:42:04Speaker 01

  We don't, we don't really pay.

• 1:42:05Caleb Hammer?

  You don't go see people?

• 1:42:07Speaker 02

  It's just every time we go up there, we just,

• 1:42:08Caleb Hammer?

  Okay, I'm crossing it out then.

• 1:42:10Speaker 02

  We just do copay.

• 1:42:11Caleb Hammer?

  Uh, subscriptions, I'll try to give like a hundred bucks. Any pets?

• 1:42:15Speaker 02

  No.

• 1:42:15Speaker 01

  No pets.

• 1:42:16Caleb Hammer?

  Subscription stack up.

• 1:42:17Speaker 01

  So yeah, but we don't really, we don't have that many.

• 1:42:19Caleb Hammer?

  You do, dude. I saw subscriptions.

• 1:42:21Speaker 02

  Netflix, Hulu, HBO Max.

• 1:42:23Caleb Hammer?

  Consider this your PlayStation as well. So like,

• 1:42:24Speaker 01

  I forget that too.

• 1:42:25Caleb Hammer?

  Okay. Uh, and then we are getting rid of the house, but we'll, so we'll just say about to kill it in a couple of months.

• 1:42:35Caleb Hammer?

  And then you have your $16 payment to your 445 card. So it's like nothing. Okay. Anything else need to be in this budget that I'm not taking into account?

• 1:42:46Speaker 01

  I think we got everything.

• 1:42:49Speaker 02

  Yeah, I think that's it.

• 1:42:52Speaker 02

  I'm, I'm gonna buy her a car when we get down there.

• 1:42:55Caleb Hammer?

  Well, okay. Um, let's talk about that in a second.

• 1:42:59Speaker 02

  I don't wanna, I don't wanna finance anything. I told her, my buddy at work that I work with right now, he has a 2022 Nissan Moreno or like 2019 Nissan Moreno. It's a nice car. It's got all the bells, the whistles, backup camera, whole nine yards.

• 1:43:12Caleb Hammer?

  Yeah.

• 1:43:12Speaker 02

  Uh, it's a V6, third row. It's perfect for what she needs and he wants $7,500 cash.

• 1:43:18Caleb Hammer?

  Okay, perfect. So, okay. So it costs 4,414 to survive. I'm going to give you an extra 400 for fun a month. Okay. That gives you 10,000 hours left a month. Like, come on. So you buy that car month one, boom, done. Month two, month three, you save up and then you pay off what's left after selling that, uh, that house. Boom. Three months debt free. Incredible. Um, after that, you save up 10,000 hours for two months, you have 20,000 bucks. We call that a fully funded emergency fund. Cause you guys are only spending $400 capped on fun and a hundred on subscriptions. Okay?

• 1:44:00Caleb Hammer?

  $250 on TP fund, which can also go to fund like the kids stuff and them doing things as well. So there's a lot of money being spent here. I'm not gonna lie. Uh, but your guys' debt maintenance payments are just so good compared to everyone else that comes on the show, especially when you get rid of the house. After that, buddy, here's the fun thing. We're doing 50, 30, 20. So of your, uh, 16, of your 1480, uh, of your 14,800 that comes in a month, 50% of it can be spent on needs. You can actually upgrade your lifestyle at that point in about four months from now. As long as you learn how to control your budgeting, you can do that. You can upgrade your lifestyle.

• 1:44:37Speaker 02

  Yeah.

• 1:44:38Caleb Hammer?

  50% can be spent on needs. That's more groceries. You don't need any meal prep as much. We can do fresh. We do all the stuff. We can go out to eat.

• 1:44:44Speaker 02

  So what I do want to throw in there. So what my plan was, um, I want to pay off my truck.

• 1:44:49Caleb Hammer?

  Yeah.

• 1:44:49Speaker 02

  I want to get a bigger truck.

• 1:44:50Caleb Hammer?

  Well, I didn't have a truck debt.

• 1:44:52Speaker 01

  It's not, it's not in his name. It's in his.

• 1:44:54Caleb Hammer?

  How much do you owe?

• 1:44:55Speaker 02

  660 a month.

• 1:44:56Caleb Hammer?

  Well, what's the full balance?

• 1:44:58Speaker 01

  Like,

• 1:44:58Speaker 02

  I think like 22,000 maybe.

• 1:45:00Caleb Hammer?

  Okay. So you pay that off in an additional two months. So that,

• 1:45:02Speaker 02

  I pay that off in two months. I want to get a camper and I want to follow this job. Cause it's not like, um, they're gonna stay in one spot is,

• 1:45:09Speaker 01

  It's a contract.

• 1:45:10Speaker 02

  They're in Louisiana now and they could go to Michigan and they'll be like, are you coming with us or not?

• 1:45:14Caleb Hammer?

  But you can't take the kids.

• 1:45:16Speaker 02

  That's why I said I'd get a camper.

• 1:45:17Caleb Hammer?

  And you can do that. You work on and then off, you go back home?

• 1:45:21Speaker 02

  Yeah.

• 1:45:21Caleb Hammer?

  Okay. How much, how much for a camper?

• 1:45:23Speaker 02

  Um,

• 1:45:24Caleb Hammer?

  Cause I'm down for the investment to follow the job.

• 1:45:26Speaker 01

  One big enough for me.

• 1:45:27Speaker 02

  Um, I know I can find one maybe on Craigslist for like 65,000.

• 1:45:31Caleb Hammer?

  Okay.

• 1:45:32Speaker 02

  My cousin, uh, my, my sister and her boyfriend, he does pipeline oil field and he makes stupid.

• 1:45:38Caleb Hammer?

  Oh, that's great. I, I'm down for it. Okay. So here, here's what we got. To do everything I just talked about, and then also pay off your truck, call that six months.

• 1:45:45Speaker 02

  Okay.

• 1:45:45Caleb Hammer?

  And then call it an additional six months. You're saving up like 60,000 bucks, maybe seven, eight months as well. To get to like 80,000 and you're buying a camper in cash. Cause I, I want you to follow this job. I agree. And even if you have to finance one, just because the job moves quicker than you can save up for it, I'm down for that as well.

• 1:46:03Speaker 02

  Camper payment's a lot cheaper than I was paying.

• 1:46:05Caleb Hammer?

  Well, but you're paying that off ASAP when you follow the job. Okay?

• 1:46:08Speaker 02

  Yeah.

• 1:46:08Caleb Hammer?

  So boom, done. Um, so either way, I think that's a, a total of like a year and a half, and that's incredible. A year and a half max. And then at that point, 50, 30, 20, 50% is spent on needs, which I don't think you need to spend that much, but you can if you want, if you want to inflate your lifestyle, you can. 30% on wants, which means I literally want you in a year and a half, once you do all that, to spend $4,440 a month on fun. I want you guys to go on vacations.

• 1:46:40Speaker 02

  4,000 a month?

• 1:46:41Caleb Hammer?

  Yes.

• 1:46:42Speaker 02

  Jesus Christ.

• 1:46:42Caleb Hammer?

  Exactly.

• 1:46:43Speaker 02

  It's a lot of money.

• 1:46:44Caleb Hammer?

  It is, but you make a lot of money.

• 1:46:45Speaker 02

  Go and blow. But I'd rather put that into a savings account.

• 1:46:48Caleb Hammer?

  Because you're going to be investing 20%.

• 1:46:50Speaker 02

  Okay.

• 1:46:50Caleb Hammer?

  And 20% is going to be a shit ton of money and you're going to retire a multi, multimillionaire.

• 1:46:54Speaker 02

  What if I put it into a CD and I don't, I can't touch it?

• 1:46:59Caleb Hammer?

  Nope. You're gonna put it in the, uh, stock market and you won't touch it.

• 1:47:03Speaker 01

  Yeah. Um,

• 1:47:04Caleb Hammer?

  CDs is just gonna keep pace with inflation.

• 1:47:07Speaker 01

  Yeah.

• 1:47:07Caleb Hammer?

  You want it to grow 10 to 12% a year in the S and P 500.

• 1:47:10Speaker 01

  And usually CD insurance.

• 1:47:12Caleb Hammer?

  That's a conversation for a year and a half from now. You'll get that in the investing classes as well. But what I need you to focus on in the next year and a half, you're paying off all this debt, you're paying off the car and you're saving up 60 to 80,000 hours, which you can do in a year and a half. And you have a 20,000 hour emergency fund. So that's a year and a half. Okay? That's easy. Actually easy. Easier always said than done, but that's pretty easy. You just follow my budget. Okay? And at that point, then you're living 50, 30, 20, 50% on needs. 30% on wants, 20% on investing. Okay?

• 1:47:47Speaker 02

  Okay.

• 1:47:48Caleb Hammer?

  And you retire a multimillionaire. All right, guys, we have a lot to talk about in the post show. It's gonna be, it's gonna be crazy. We're actually gonna call the friend and see if that friend can give another perspective that she magically hasn't been able to think of in an hour and 43 minutes. So we're getting right back into the drama. It's gonna be crazy. It's gonna be like the best post show ever. So click that join button. Actually, let's get the hammer financial score first. For the household, hammer financial score. Will you overspend for what you're making now by far? Zero out of 10. Debt is collections. So zero out of 10. Emergency fund, nothing right now. Zero out of 10. Real, uh, retirement, zero. Uh, I didn't see retirement. Zero out of 10. Real estate. We actually don't own real estate or land right now. You will eventually. You'll actually be there a lot sooner than you know. Those are 10. So hammer financial score for today is zero out of 10. Get yours at kalamhammer.com. Now click that join button to join Hammer Elite

• 1:48:33Caleb Hammer?

  and get three premium shows every single day, six days a week, including the financial out of post show, which is an extra 20 minutes of this. Or you can download Hammer, or you can download the Hammer Elite app. We've got a hammerlead.com. See you in the post show. Can you give me examples of your friend's husband being a piece of shit?

• 1:48:49Speaker 06

  Uh, he puts cameras in the house so he can watch her and see what she's doing constantly. He said that she needed to make sure to have the camera plugged in.

• 1:48:58Speaker 02

  Okay. So I'm gonna be honest. Yes, I put cameras in my house. You guys are both very manipulative. I don't think that you guys should be together. I genuinely don't.

• 1:49:06Caleb Hammer?

  I just launched the brand new Hammer Elite app available on every major platform. So you can watch every show anywhere you want. You'll get three exclusive dedicated shows every single day, Monday through Saturday. Refer a friend after you sign up and you get an additional 30 days of Hammer Elite access for free. Download the Hammer Elite app by using the link in the description or pin comment down below. This is the best membership you'll ever join and that's a promise.