The Biggest Losers Ever On Financial Audit

*I MADE HER CALL THE PARENTS* and my producers come in and fully confront her based on even more information they have that I did not have- watch the post show: https://hamr.link/ytjoin *OR* download the brand new Hammer Elite App ➡️ https://hammerelite.com 30% off *LIMITED TIME ONLY* as a launch bonus 🎁 WE JUST LAUNCHED The Hammer For Life Box! Limited Edition Merch ONLY Available to the FIRST 1000 to Purchase AND once they're gone, they're gone FOREVER! https://hamr.link/app-launch 💰 Download Dollarwise - Big Deals, New Features, Free Trial: https://go.dollarwise.com/join ============================= 👉 Checking & Savings: get a $200 bonus and earn 3.75% APY on your Savings with Chime®: https://secure.moneymatchup.com/chime-caleb-website 🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb 🔥 Get Your Own *Hammer Financial Score* → https://hamr.link/FAquiz ============================= *Sponsors for This Video* ============================= Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78 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://bit.ly/41mr8OP ============================= *Check Out My Resources* ============================= 👉 Checking & Savings: Get a $200 bonus and earn 3.75% APY on your Savings with Chime®: https://secure.moneymatchup.com/chime-caleb-youtube-disc 👉 Land a high-paying job with no experience or degree: ➡️ https://coursecareers.com/CalebHammer 👉 See if refinancing your high-interest debt saves money. Checking is free. → https://hamr.link/ytmoneylion2 👉 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 01:18 Jobs & Income 08:30 oh hes a bad employee in a pyramid scheme 14:30 professional victim inbound, strap in!! 20:40 shes unemployed and cant even keep the house clean LMFAAO 28:17 oh brother why is she crying over meal prepping 41:15 the real world would destroy them 47:20 jesus christ lady is spamming her ult 54:00 oh f*ck caleb is ulting too 01:00:30 bullsh*t bullsh*t bullsh*t 01:18:50 NOT THE CHILD SUPPORT 01:22:45 THIS HAS NEVER HAPPENED BEFORE 01:29:40 Budget!! ============================= Want more content? ============================= 🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips 🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel ============================= *Connect with me!* ============================= TikTok: https://www.tiktok.com/@calebhammercomposer X: https://x.com/sircalebhammer IG: https://www.instagram.com/calebhammercomposer/ Facebook: https://www.facebook.com/calebhammercomposer/ ============================= *Want to be a guest on Financial Audit?* ============================= 👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply *Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. Sponsorship and business inquiries: [email protected] Learn more about your ad choices. Visit megaphone.fm/adchoices

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

• 0:00Speaker 00

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• 0:28Speaker 01

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• 0:53Caleb Hammer?

  To watch episodes of Financial Audit a week earlier, check us out on YouTube. Your credit score is actually four.

• 0:58Speaker 03

  I didn't know that was possible.

• 1:00Speaker 04

  I didn't either.

• 1:01Caleb Hammer?

  He's a loser.

• 1:02Speaker 03

  Well, he was the bad boy, yeah.

• 1:03Caleb Hammer?

  You're getting shamed for not doing the dishes, even though she doesn't do anything all day. Your life sucks.

• 1:08Speaker 03

  Are you gonna let him say that I don't do anything all day?

• 1:10Speaker 05

  No, she, she does do a lot.

• 1:12Caleb Hammer?

  Oh, wow, you're [BLEEP] whipped. Oh, I hold people's hands when they cry, but a little bit of pushback on you not meal prepping and it brings you to tears?

• 1:18Speaker 03

  I feel like I've been in our household by myself for so long, and he has a ring. I don't know if I'd say yes tomorrow.

• 1:27Caleb Hammer?

  I just launched the brand new Hammer Elite app, available on every major platform. To celebrate the app launch, I'm offering 30% off the annual plan in the month of June only. Plus, I have an exclusive offer just for you. But I'll only have 1,000 available to purchase. You'll get lifetime access to the entire Hammer Elite catalog and my Hammer for Life box packed with limited edition merch. 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.

• 2:00Speaker 04

  I'm Mason, I'm 27.

• 2:02Speaker 03

  I'm Maya, I'm 27, and we're from Austin, Texas.

• 2:04Speaker 04

  And this is Financial Audit.

• 2:07Caleb Hammer?

  Yes, it is. Thanks for coming into the studio, guys. Nice to have a local that's rare these days. Okay, what do you do, Mason, for a living here?

• 2:16Speaker 04

  Uh, I actually sell car keys. I just started this business.

• 2:19Caleb Hammer?

  You actually sell car keys?

• 2:22Speaker 04

  Yeah, car keys, key fobs, remotes. If it starts your car or locks it, I can make a doof about it.

• 2:27Caleb Hammer?

  Well, why was I, like, supposed to be surprised? Like, I, like, I actually sell car keys. Okay, like, yeah, you have a job.

• 2:34Speaker 04

  Yeah, most people just don't know you can get it from not the dealership.

• 2:38Caleb Hammer?

  Okay, cool. You sell car keys. Is this a commission-based thing?

• 2:41Speaker 04

  Uh, it is commission-based.

• 2:43Caleb Hammer?

  Very good. You're the salesman.

• 2:44Speaker 04

  Yeah, I'm the salesman. I make the keys as well.

• 2:47Speaker 03

  He's going into his pitch right now. You can move on.

• 2:50Speaker 04

  Anyways, yeah, hopefully I'll be running my own business in the next year.

• 2:54Caleb Hammer?

  What business? Car key business?

• 2:56Speaker 04

  Yeah. So it's called...

• 3:00Caleb Hammer?

  Are you talking about you being a franchise owner? Uh, it's... You're not starting your own business, you're opening a franchise. Which, I mean, yeah, that is like, you're kind of in the business owner sphere there, definitely very close to it. Actually, I mean, I would say you are, but that is different. You're not, like, starting something from scratch and building up. You have a model that works, so that's different.

• 3:17Speaker 04

  Exactly.

• 3:18Caleb Hammer?

  Well, okay, well, there'll be lots to talk about there that'll be interesting, but what are you making now?

• 3:21Speaker 04

  Uh, right now, anywhere's between 500 and...

• 3:25Caleb Hammer?

  Wait, but pause. You've had the job for, like, three weeks. How the [__] are you telling me you're gonna open a branch?

• 3:30Speaker 03

  Five.

• 3:30Caleb Hammer?

  You're gonna open a [__] branch? You've had this job for three weeks?

• 3:33Speaker 04

  Yeah, the goal is, is in six months, I'll be running my own van.

• 3:38Caleb Hammer?

  Six months? You've had it for three weeks? How do you even know if you like it?

• 3:41Speaker 03

  Actually, he does, his manager and him, like, he's mentoring him, he's already been promoted there. They have, like, a track with it.

• 3:48Caleb Hammer?

  In three weeks?

• 3:49Speaker 03

  I agree with you. I think it's ridiculous.

• 3:51Caleb Hammer?

  Everyone's, like, [__] spoken met there or something. I don't know what's going on. You're not promoted. What are you talking about? What's this promoted you got in three weeks?

• 3:59Speaker 04

  When you start off.

• 4:00Caleb Hammer?

  Wow, you're incredible. Run the whole thing.

• 4:03Speaker 04

  You start off with sales.

• 4:05Caleb Hammer?

  Which you still do.

• 4:06Speaker 04

  Yes. And then you go into actually programming and cutting and making the keys. And then you go into running the van.

• 4:13Caleb Hammer?

  That's labor. That's just like basic labor that you do at a factory. That's not like.

• 4:16Speaker 04

  Basically.

• 4:17Caleb Hammer?

  Okay.

• 4:18Speaker 04

  But after I do that for a little while, then I'm starting inventory.

• 4:22Caleb Hammer?

  A little while. What do you mean, starting inventory? You've been there for three weeks. What do you mean, little while? This sounds like you've just been trained to do the job, not being promoted multiple times. You're just unlocking new things you're supposed to be doing for the job. It's like if I was a cook, I'd eventually learn how to get to the filet. It's not like I got a fucking promo. Did you get a pay raise?

• 4:42Speaker 04

  I got more sales.

• 4:43Caleb Hammer?

  Why are you telling me you got a promotion?

• 4:44Speaker 03

  That's what I was told.

• 4:46Caleb Hammer?

  I just do gaslighting you or he's just excited about making keys.

• 4:50Speaker 03

  He's excited and he has a great ass.

• 4:52Caleb Hammer?

  Unlocking things in your just in your training. That's all that's been happening.

• 4:56Speaker 04

  Basically.

• 4:58Caleb Hammer?

  Don't go around telling people you're getting promoted, guy.

• 5:01Speaker 04

  But it is a promotion.

• 5:02Caleb Hammer?

  How? No, it's.

• 5:03Speaker 04

  Because I wasn't able to do it before and then I unlocked it and now.

• 5:07Caleb Hammer?

  It's not a skill tree in a video game.

• 5:09Speaker 03

  Tasks now.

• 5:11Speaker 04

  I could see it being that, though.

• 5:12Caleb Hammer?

  It's not a job promotion.

• 5:14Speaker 03

  On video games.

• 5:15Speaker 04

  That's fair.

• 5:15Caleb Hammer?

  Been three. Okay. Maybe I will. I don't know. Don't tell me what to do.

• 5:19Speaker 04

  In six months, I'll be running my own van. Hopefully. That is.

• 5:23Caleb Hammer?

  Van.

• 5:24Speaker 04

  So it's a van. It's a road show.

• 5:26Caleb Hammer?

  I love to just see some of that. Looks like you're pulling up in a van in a neighborhood.

• 5:30Speaker 04

  The worst part is it doesn't. Yeah, it's at Costco. So Costco, Sam's Clubs.

• 5:34Speaker 03

  They work as partners.

• 5:36Speaker 04

  Partner with them. We sell the keys, make it in the parking lot. Costco is the one that actually.

• 5:43Caleb Hammer?

  Okay, good. Very good. All right. You unlock van at the end of your training cycle.

• 5:48Speaker 04

  Basically.

• 5:49Caleb Hammer?

  Okay, so you've been working for three weeks. How can we even tell? How can you even tell me how much money you make in three weeks? It's very difficult. Maybe it's been the best month for keys.

• 5:59Speaker 04

  Uh, yeah, it's definitely fluctuated.

• 6:01Speaker 03

  He's had.

• 6:01Caleb Hammer?

  Fluctuated a lot in three weeks, so we can't even tell.

• 6:04Speaker 04

  It went from 500 to 900.

• 6:09Speaker 04

  And two paychecks.

• 6:10Caleb Hammer?

  Huh? For what? Why do you keep saying things and making noises? What are you adding to this conversation right now?

• 6:15Speaker 03

  I just don't think that he knows completely what he's talking about because he doesn't keep track of any of this stuff at all. So I just.

• 6:24Caleb Hammer?

  Keeping track? It's been three weeks. What are we talking about keeping track? What track are you keeping? Have you even been, how many paychecks have you received?

• 6:32Speaker 04

  Two.

• 6:32Caleb Hammer?

  Okay, what do you mean? He's not keeping track?

• 6:34Speaker 03

  Well, he.

• 6:34Caleb Hammer?

  He said 500, 900. Where's the keep track?

• 6:36Speaker 03

  He just sends them like over to me at the end of the day. Like, there's no tracking as to what his check is.

• 6:42Caleb Hammer?

  Does he know what he got paid or not?

• 6:46Speaker 04

  Yeah.

• 6:46Caleb Hammer?

  Is the 500 correct? Is the 900 correct? If he gave it to you, can you tell me?

• 6:51Speaker 04

  It was 620.

• 6:52Caleb Hammer?

  Okay, for the first time in this entire conversation, I was actually talking to you and then you didn't talk. Because usually you're talking when I'm talking to him.

• 6:58Speaker 03

  Sorry.

• 7:00Caleb Hammer?

  The five, you said he sent you the paycheck. He said he got 500 and 900. Are those correct?

• 7:06Speaker 03

  Yes, Nat. That is correct.

• 7:09Caleb Hammer?

  So why are you interjecting and saying, oh, he doesn't even keep track? I'm sure you don't get, guys, I'm sure you don't keep track of either of you or else you want to be on the show, let's just be honest. But either way, why would the, why are you talking?

• 7:24Caleb Hammer?

  You wear the pants in this relationship, am I right?

• 7:26Speaker 03

  That's why we're here.

• 7:27Caleb Hammer?

  Oh, yeah, I'm sure it is, you little cuck boy. I, okay, so you just, yeah, you walk all over him. I can already tell. You, you wouldn't even let me have a conversation with him for four minutes without you trying to make noises and interject and say stupid shit that I didn't care about.

• 7:44Speaker 03

  He, yeah, he stresses me out because it's like.

• 7:47Caleb Hammer?

  You stress me out!

• 7:48Speaker 03

  That's fair. We're all stressed out at this table then. Because it just feels like, like it took two weeks of him just to ask his boss what his commission rate was. Like, he just didn't know that. He was going in blind. I'm trying to like budget for us.

• 8:02Caleb Hammer?

  How did you accept the job without knowing your commission rate?

• 8:04Speaker 03

  He didn't even.

• 8:04Speaker 04

  I needed a job.

• 8:05Caleb Hammer?

  Yes. Ask what the commission rate is.

• 8:08Speaker 04

  To be fair, I asked in the beginning, I told her.

• 8:11Caleb Hammer?

  You're gonna to be fair me? To be fair? Fuck you to be fair. Know your commission rate going into the job before you make sales to be fair. Okay, to be fair, what?

• 8:25Speaker 04

  I told her what it was in the beginning. Before I started, yes.

• 8:30Caleb Hammer?

  Okay, so he knew it then?

• 8:32Speaker 03

  He told me what the estimate, what his manager said. Here's the estimate of what most people make for me. It's around thirteen hundred dollars. That was the interview conversation. He has not hit that amount yet at all. And like, obviously, he hasn't worked there that long. But like, it's not looking like it's gonna be thirteen hundred dollars. It became, oh, well, they usually make seven hundred to nine hundred on a good week. And then it's, oh, on a bad week, five hundred. And we pay hourly, oh, we don't. So I didn't have an answer. And this fourteen percent was after his first check, cuz we calculated it.

• 9:03Caleb Hammer?

  Okay, okay.

• 9:06Caleb Hammer?

  It's just weird to me, planning.

• 9:10Caleb Hammer?

  You know, I mean, I'm already being told that you have a history of dipping out of jobs left and right. Is that correct? He has a history of that? Okay, then how the fuck are we planning our entire future on a job that you've had for three weeks? If you're endlessly dipping out of jobs? What is your history? What's his history of jobs? Rather hear from you.

• 9:25Speaker 03

  Yeah, he has a habit of like, not showing up or like, being late enough that he just stops going.

• 9:32Caleb Hammer?

  Are you a loser, dude?

• 9:33Speaker 03

  Um, he also has a habit of just taking whatever job falls in his lap. He hasn't had a career path or anything that he's had a goal for until this job. Which is why I'm like, I wanna support you in this, cuz it seems like you have.

• 9:44Caleb Hammer?

  Three weeks, can we at least let it sit for three months before?

• 9:48Speaker 04

  Yeah.

• 9:48Caleb Hammer?

  Cuz I bet, if you have a van, I highly doubt they just give you, right? It's probably gonna cost some kind of money. You rent it, okay, so now you're like a

• 9:55Speaker 03

  We found that out yesterday.

• 9:56Caleb Hammer?

  A prostitute. And they're pimping you out.

• 9:59Speaker 03

  It reminds me of an MLM a little bit, I'm not gonna lie. Like a pyramid type thing.

• 10:04Caleb Hammer?

  Okay.

• 10:06Speaker 03

  Yeah.

• 10:07Caleb Hammer?

  May I have the whiteboard? Um, okay.

• 10:12Caleb Hammer?

  How does, how does this work?

• 10:14Speaker 04

  How does what work?

• 10:15Speaker 03

  Draw.

• 10:16Caleb Hammer?

  Okay, so you have a van.

• 10:18Speaker 04

  Hmm.

• 10:19Caleb Hammer?

  At Costco, this is.

• 10:20Speaker 03

  Well, his boss has one right now, but yeah.

• 10:22Caleb Hammer?

  Well, so you would get a van?

• 10:23Speaker 03

  Right.

• 10:24Speaker 04

  Yeah.

• 10:25Caleb Hammer?

  Very good.

• 10:28Caleb Hammer?

  That's you. Okay, so your boss. Who's your boss?

• 10:35Caleb Hammer?

  I don't even.

• 10:37Speaker 04

  Anyway.

• 10:37Caleb Hammer?

  What's the context of? What's his role?

• 10:39Speaker 03

  He's the owner of that van.

• 10:40Speaker 04

  He's the owner of that van.

• 10:41Caleb Hammer?

  Oh, he owns the van? You're renting it from him?

• 10:43Speaker 04

  No, no.

• 10:44Speaker 03

  No, he's not doing any of that yet. That's.

• 10:45Caleb Hammer?

  No, no, in the future, when you have your van, who's your boss?

• 10:48Speaker 04

  Um.

• 10:49Speaker 03

  Oh.

• 10:50Caleb Hammer?

  Not name, I don't need a name, it's not literal.

• 10:52Speaker 04

  Yeah.

• 10:53Speaker 03

  The company.

• 10:53Speaker 04

  Yeah, just.

• 10:54Caleb Hammer?

  Who's the company?

• 10:56Caleb Hammer?

  He just wants the name, all the names. I'm just talking about like, what is the context? They own all the vans or?

• 11:02Speaker 04

  Honestly, I couldn't tell you.

• 11:03Caleb Hammer?

  You're saying this is your entire business in life?

• 11:06Speaker 04

  Basically, they own everything. They own the vans, they own everything, they give you the van.

• 11:12Speaker 03

  And the machines.

• 11:13Speaker 04

  And yeah, the van, the machines, the inventory.

• 11:15Caleb Hammer?

  Okay, and they have more people under them?

• 11:19Speaker 04

  Yeah, so there's.

• 11:21Speaker 03

  All attached to this.

• 11:21Speaker 04

  Nationwide, they're nationwide in Canada, like.

• 11:24Caleb Hammer?

  So it's a franchise?

• 11:26Speaker 04

  Yeah.

• 11:27Caleb Hammer?

  Okay, so there's more vans.

• 11:34Caleb Hammer?

  Gotcha, and they all go to the company?

• 11:36Speaker 04

  Hmm.

• 11:36Caleb Hammer?

  Is that the main company?

• 11:38Speaker 04

  Yeah.

• 11:39Caleb Hammer?

  So you're.

• 11:41Caleb Hammer?

  The guy that you're using the van right now, do you rent the van from him?

• 11:44Speaker 04

  I don't rent the van at all. He rents the van from the company.

• 11:47Caleb Hammer?

  No, I got that, so that's, that, okay.

• 11:50Speaker 03

  He doesn't pay anything.

• 11:50Caleb Hammer?

  The answer would be no, by the way.

• 11:52Speaker 03

  No.

• 11:52Speaker 04

  Yeah.

• 11:52Caleb Hammer?

  That's all the fucking answer would be, my fucking goodness, you guys, talking to you. Good death, people. Okay. So the answer is no, you do not rent from your current boss who owns the van.

• 12:05Speaker 04

  Yes.

• 12:05Caleb Hammer?

  Correct.

• 12:06Speaker 04

  Correct.

• 12:06Caleb Hammer?

  Okay, you rent from the van, can you pay, can you pay off company? The van from the company? Can you pay it off or is it a permanent rent forever?

• 12:15Speaker 04

  It's a permanent rent.

• 12:15Caleb Hammer?

  Do you, who owns the van itself, the physical asset?

• 12:18Speaker 04

  Uh, I believe it'd be the company.

• 12:21Caleb Hammer?

  So no matter what, so it's not a franchise and you're always paying a rent for the van, so they own the van?

• 12:27Speaker 04

  Yeah.

• 12:29Speaker 03

  And his boss gets a bonus if he becomes a franchise owner, suddenly he makes more money too.

• 12:35Caleb Hammer?

  What boss?

• 12:36Speaker 03

  His current boss.

• 12:37Speaker 04

  My current boss. When he promotes me out and I get my own van, then he gets like a kickback.

• 12:41Speaker 03

  Like when you hire like an MLM like.

• 12:42Caleb Hammer?

  Kind of. That's what I'm saying. It sounds more like a franchise with MLM qualities than a pure triangle. Um, because for what it's worth, I mean, you're just working directly with the company. You're not like under, like it would have been very triangle to me if you were like under the guy that you're in now. Yeah, he gets a bonus for signing you up for the franchise. Okay, I get that. But if like he owned vans and he was, you were using the van and renting it out from him and he was renting it out from the company, then yeah, I'd get a bit more triangle to me. But I think it's, it's more on the franchise side and they just make a lot of money because you're paying the rent. What's the rent for the van if you get the van?

• 13:21Speaker 04

  Uh, I believe it's $300. I don't know if my boss currently has two vans and he pays $300 in rent. I don't know if it's 300 per van.

• 13:30Caleb Hammer?

  He has two vans and he has people working for the van.

• 13:32Speaker 04

  Yeah.

• 13:33Caleb Hammer?

  Working in the van and you're one of the van guys.

• 13:34Speaker 04

  Yeah.

• 13:35Caleb Hammer?

  Okay. I don't, I don't think it's full pyramid-y. Um, but it sounds like a

• 13:42Caleb Hammer?

  yeah, it's just these franchises. It's like franchising out of McDonald's almost and you got employees and he's franchising out vans. So I wouldn't say that. I don't know if it's a good business to get into. I can't necessarily sign that. I wouldn't say it's a full MLM though.

• 13:55Speaker 03

  I definitely think it's better than the previous jobs that he's had because there's been no like

• 13:59Caleb Hammer?

  What, that he quits after like four weeks and never shows up and loses it out? Dude, you're 27.

• 14:04Speaker 04

  A little longer than four weeks.

• 14:06Caleb Hammer?

  How many jobs you bail out and by 27? You guys have kids? You've been together for a while, right?

• 14:12Speaker 03

  Well, he has two kids.

• 14:14Caleb Hammer?

  You told me before, you guys have been together for 13 years? He has two kids.

• 14:17Speaker 04

  I have two kids. We've been together for three years. We've known each other for 13.

• 14:21Speaker 03

  He was my first boyfriend in high school 13 years ago and we've known each other since then.

• 14:25Caleb Hammer?

  Why? He's a loser.

• 14:27Speaker 03

  I was like the nerdy kid in high school and he was the bad boy. Yeah.

• 14:36Caleb Hammer?

  He was the bad boy? How are you the? Look at you.

• 14:40Speaker 04

  I have changed a lot since high school.

• 14:43Caleb Hammer?

  What bad boy were you?

• 14:45Speaker 04

  I was, I was the, the party kid that everybody knew and was at every party.

• 14:50Caleb Hammer?

  Now you're just the drunk failure. Okay.

• 14:54Speaker 04

  Yeah.

• 14:55Caleb Hammer?

  Well, you look at, I don't know if you all.

• 14:56Speaker 04

  I don't drink anymore.

• 14:57Speaker 03

  Yeah.

• 14:58Caleb Hammer?

  Okay. Oh, he said anymore. Okay. Great. Well, no, I was just saying you look at. So what can I even say you make? Fifteen hundred a month?

• 15:05Speaker 03

  It's looking like it's gonna net about like twenty-five hundred, I'm hoping and hopefully.

• 15:11Caleb Hammer?

  How the, from the nine hundred and five hundred, how are you getting that number?

• 15:14Speaker 03

  Weekly.

• 15:15Caleb Hammer?

  Oh, weekly. Okay. So let's call it twenty-five. That's good. Sell keys, I guess. Maya, what do you do?

• 15:21Speaker 03

  Um, I'm unemployed right now.

• 15:25Caleb Hammer?

  Okay.

• 15:26Speaker 03

  I lost my job in March.

• 15:27Caleb Hammer?

  For his job if you're unemployed.

• 15:29Speaker 03

  Um, I'm unemployed.

• 15:31Caleb Hammer?

  Job shitting. Why are you shitting when he's bringing in the money? I get it. He's a failure in a lot of parts of life, but at least he's bringing in money. You're the one without the job.

• 15:40Speaker 03

  I lost my job in March. Um, I have an autoimmune condition that flares and I was in and out of the hospital at the time and.

• 15:47Caleb Hammer?

  Why aren't you on disability or something then?

• 15:48Speaker 03

  I have applied for disability. We're waiting for an answer. It has gotten progressively worse over seven years.

• 15:53Caleb Hammer?

  What is it?

• 15:54Speaker 03

  Um, so I have type two immune dysregulation. Um, I can show you a video. That's the easiest way to explain or like a picture. But it's like.

• 16:02Caleb Hammer?

  Yeah, show me.

• 16:03Speaker 03

  My skin flares to a point where like I can't regulate my temperature. I can't move. I can't.

• 16:08Caleb Hammer?

  Okay. Well, we're applying for every work from home job that we can, right?

• 16:11Speaker 03

  I'm applying. Yeah.

• 16:12Caleb Hammer?

  Which means maybe you wouldn't be able to get disability. I don't know.

• 16:14Speaker 03

  Yeah, I, I don't know. I have applied. Um, it says that supposedly you can still have.

• 16:20Caleb Hammer?

  Okay. So how long does a flare last?

• 16:22Speaker 03

  It can last three weeks, four weeks, but right now I'm on, so I, I can take temporary medications. So right now my skin is a lot better because I'm on it. Um, the problem is you can't take it long term because it like destroys your bones and like cuts your immune system real bad. I've already gotten like infections from that.

• 16:38Caleb Hammer?

  I'm not informed enough on this to give a perspective. So I don't. No, I

• 16:42Speaker 03

  Yeah.

• 16:43Caleb Hammer?

  Like, I could shit down your throat, but then that might be bad. And or I could say, yeah, you're doing well. And then people in the comments will tell me, oh, no, she's just being a lazy piece of shit. I don't know.

• 16:52Speaker 03

  Right. I would love to be, I want, like, even when I'm working full time, like, I'm working other jobs. Like, I want to be working.

• 17:00Caleb Hammer?

  What's it called?

• 17:00Speaker 03

  Um, type two immune dysregulation. We are still looking for, like, the official diagnoses. These are, like, parts of it that I experience.

• 17:11Caleb Hammer?

  Okay. Well, yeah, that's not gonna help us in this financial situation. Okay, so you didn't get unemployment?

• 17:17Speaker 03

  I did get unemployment. We have two more weeks of it.

• 17:20Caleb Hammer?

  Okay. Um, okay, so what's going on, guys? What are we talking about?

• 17:26Caleb Hammer?

  Yeah, you seem domineering and controlling.

• 17:28Speaker 03

  That's probably true.

• 17:31Caleb Hammer?

  Well, I don't know, but you're also not the one bringing in money. I don't know. Like, okay, so you said, even if it's with the flares and shit, you're like, you sit. All day.

• 17:38Speaker 03

  I've been the main earner for, like, all three years of our relationship. Uh, my first, like, one was eighty thousand, and then when I had, like, my own, I was contracting for a bunch of different marketing, uh, teams.

• 17:51Caleb Hammer?

  Okay, from the National Library of Medicine, by the way, it does say that obesity makes it substantially worse.

• 17:57Speaker 03

  Yes. I appreciate that, but

• 18:01Caleb Hammer?

  You appreciate that? Well,

• 18:02Speaker 03

  I, I appreciate that there's a lot of things that could cause it, and, um, the reason I can't lose weight is because of the inflammation in my body. The inflammation marker is, um, so it slows down all your systems. So my I G E, the normal range is like, like, four.

• 18:18Caleb Hammer?

  All your eating, you're telling me you're at a calorie deficit every single day?

• 18:21Speaker 03

  We don't eat multiple meals a day we can't afford to.

• 18:23Caleb Hammer?

  That doesn't, well, first of all, yes, you can.

• 18:25Speaker 03

  I'm in a calorie.

• 18:26Caleb Hammer?

  Objectively can, but either way, doesn't even matter. Multiple meals a day, if I eat two slices of cheesecake, cheesecake slices, then I'm over my caloric amount for the day.

• 18:34Speaker 03

  I'm, I'm in a deficit every day.

• 18:36Caleb Hammer?

  Meals.

• 18:37Speaker 03

  I promise.

• 18:38Caleb Hammer?

  And my Your promise means nothing to me.

• 18:40Speaker 03

  Okay.

• 18:40Caleb Hammer?

  I've had it on this show like multiple times.

• 18:42Speaker 03

  The inflammation marker that I have, the normal range is up to four sixty minus fifteen thousand.

• 18:47Caleb Hammer?

  Okay.

• 18:48Speaker 03

  So it's like.

• 18:48Caleb Hammer?

  Well, I'm just gonna literally have to take your word for it, but.

• 18:51Speaker 03

  You can take his word too if he'll speak up at all, like.

• 18:54Caleb Hammer?

  Well, he's a loser and usually fat people make every excuse to be fat.

• 18:59Speaker 03

  That's fair.

• 19:00Caleb Hammer?

  But, um, including myself. So like I, I get it, but it does, it does say literally a five to 10% body weight reduction significantly reduces flares for that type of condition. So.

• 19:13Speaker 03

  Hyperesthenophilic.

• 19:14Caleb Hammer?

  I'm not gonna look up shit. I'm just gonna have to take, uh, uh, your word on it.

• 19:20Speaker 03

  Mm hmm. Okay.

• 19:21Caleb Hammer?

  So it's like the, a question in the end becomes, so now what? Okay. You can't lose weight because the flare does that. The flares are worse because your weight is high.

• 19:29Speaker 03

  So.

• 19:30Caleb Hammer?

  I don't think just morbid obesity just like, just exists forever though.

• 19:34Speaker 03

  I agree. So.

• 19:35Caleb Hammer?

  That doesn't just happen to the human body.

• 19:38Speaker 03

  It does when inflammation builds in your body. Your syst- my system does not like digest properly. Like it doesn't function the way that a normal person's.

• 19:45Caleb Hammer?

  Yeah, I know, but usually for people that have digestive issues, again, I don't, I don't want to speak too much on something I don't fully have the context behind.

• 19:54Caleb Hammer?

  But even for people I know that have digestive issues, they usually have just, they have medicine they take to help with their digestive issues.

• 20:00Speaker 03

  So I take like six medications right now for all the like things that this causes, right? But we don't know what the actual diagnosis is yet. I've been seeing a specialist and oncologist for the last year.

• 20:13Caleb Hammer?

  Oh, Chad, you're just gonna have to tell me because I'm just gonna have to let her go on that one because I don't know. But he smokes cigarettes all day, every day. I think you guys can afford more than a couple meals a day. If he's doing like the most expensive addiction that works.

• 20:25Speaker 03

  Yeah.

• 20:25Caleb Hammer?

  So shut the up with that.

• 20:28Speaker 03

  I.

• 20:29Caleb Hammer?

  Oh, yeah, what do you eat? Yes, you can. I can get you on a budget where you can eat.

• 20:33Speaker 03

  I'd love.

• 20:33Caleb Hammer?

  Even still, with this lower income, you guys would be on food stamps. So like you'd be fine.

• 20:38Speaker 03

  We were on food stamps until we got cut and then.

• 20:40Caleb Hammer?

  Why'd you get cut?

• 20:42Speaker 03

  Well, I was, I got my job. So we were.

• 20:44Caleb Hammer?

  Well, now you're not. So get it again. It's meant for people in your situation who are in hard times. I'm not against that. You can afford to fucking eat. Why haven't, have you applied?

• 20:53Speaker 03

  Then now, yes, we're waiting. It's pending.

• 20:54Caleb Hammer?

  Pending for how long?

• 20:55Speaker 03

  For about a month so far.

• 20:57Caleb Hammer?

  Okay. Okay. And then your under insurance, which still, or your unemployment, which is how much?

• 21:02Speaker 03

  Um, I, I get a thousand every two weeks.

• 21:05Caleb Hammer?

  Okay. Yeah. You guys could eat. You guys could eat with that. You're $4,500. You guys can eat multiple meals a day with significant meal prepping. I can get you guys.

• 21:14Speaker 03

  We need a meal prep. That I think.

• 21:16Caleb Hammer?

  You're telling me you're not meal prepping. You're telling me you can't eat multiple meals a day? Then shut the up. You don't get to play victim.

• 21:22Speaker 03

  To that?

• 21:22Caleb Hammer?

  You don't get to play victim bullshit on that.

• 21:24Speaker 04

  See, that's partially my fault because I my job around the house is to keep the kitchen clean and.

• 21:30Speaker 03

  It's not. It's not just. It's not just that, though. It's like.

• 21:33Caleb Hammer?

  Hold on. Wait. He's the one that's working. Why is he making the kitchen clean? You're sitting on your ass. With flares, I get it, but clean the kitchen.

• 21:40Speaker 04

  Uh, it's.

• 21:41Caleb Hammer?

  Wait, what? No, no, no. Why is that your responsibility if you're the one bringing in the money right now?

• 21:44Speaker 04

  Because the.

• 21:46Speaker 03

  That is his only responsibility at home.

• 21:48Caleb Hammer?

  He's his responsibility is making the money.

• 21:52Speaker 06

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• 22:17Caleb Hammer?

  Hey. Why can't you do it? You literally don't have a job.

• 22:22Speaker 03

  I do do it most days and it's supposed to be under him.

• 22:26Caleb Hammer?

  Well, meal prepping is a couple of times a week. I don't understand why you aren't able to do that when you do nothing.

• 22:30Speaker 03

  Because when I'm flaring, I can't do.

• 22:31Caleb Hammer?

  Okay, but you're not always flaring.

• 22:33Speaker 04

  Uh, it's pretty constant.

• 22:34Speaker 03

  I'm only not flaring because I'm on steroids right now and I can't take them long term. And I'm I Lindsay actually came up with a good idea that I could potentially work with a doctor to take them for photo shoots or something that I can do like money for. I just.

• 22:51Caleb Hammer?

  Photos?

• 22:52Speaker 03

  I I'm a.

• 22:52Caleb Hammer?

  What?

• 22:53Speaker 03

  I work in marketing. I have all my camera equipment. I own a photography business.

• 22:56Speaker 04

  You do the photo shoots?

• 22:58Speaker 03

  Yes, to make money for us. Yes. Um, so I'm trying to find ways that I can work, but it's unpredictable. And

• 23:06Caleb Hammer?

  Maybe, I don't know. It's a very competitive market. You don't just enter it and all of a sudden be successful.

• 23:11Speaker 03

  I have experience in it.

• 23:12Caleb Hammer?

  Everyone has this. Every awesome photographer has experience in it. You know how many there are? What the do you think you are?

• 23:18Speaker 04

  She actually went to school for it.

• 23:20Caleb Hammer?

  Oh, no, no, no. No one gives a in the arts. The arts is outcome driven. No one gives a shit what degree or where you went. It's a it's it's the social media presence. What the why are you guys pretending like you see? There there is actually something I know about. The arts and out there performing. There is something I actually know about. And just hearing how arrogantly you guys are pretending like you know everything immediately makes me doubt everything you said about the medical shit. Cause I'm not informed on that, so I'm not going to push back against it. But seeing how much informed you thought about how she's going to do in photography and all she went to school. It's like, no, you guys are so now I can't even trust your take on that medical shit. Because you just showed how arrogant you are. And pretending like you guys know everything.

• 24:04Speaker 03

  I think you're wrong.

• 24:05Caleb Hammer?

  Drowning in student loans with massive interest rates, I see it on the show all the time. People get a loan to advance their careers, only to be left with sky high interest rates and crazy minimums that leave their paycheck gutted. Maybe you've already gone to a normal lender to try to refinance your private student loans. And they looked at your less than perfect credit score and hung up the phone. Maybe part of you even thought, yeah, that tracks. I guess I'm stuck. Stop it. You don't deserve to be buried in a high interest loan for the rest of your life because you hit a rough patch. The banks aren't rejecting you because you're a lost cause. They're rejecting you because you're not profitable enough for them at a manageable rate. That's where Y refi comes in. Y refi works specifically with borrowers who can't get refinancing through traditional lenders.

• 24:45Caleb Hammer?

  It's their whole thing. They refinance private student loans, so you're only paying interest between point one percent and five point nine nine percent. And they legally cannot charge you more than that. They'll even customize your payments to get you out of debt at a pace that works for you. And if you need a co borrower released from your loan, they've got a program for that too. Plus their team is in Phoenix, Arizona. So when you call them, you talk to a real person. It only takes three minutes to check your rates and it doesn't impact your credit score. If you've been told no a million times, try Y refi. Head to Y refi dot com slash hammer. That is Y. R E F Y dot com slash hammer or call triple eight Y refi 78 that is eight eight eight Y refi 78 break free from the high interest trap and get your finances under control once and for all you suck with money so you download a budgeting app you start with the classic one why nab but

• 25:30Caleb Hammer?

  everyone just deletes it because it's way too complicated to use so you go to every dollar that's Dave Ramsey the personal finance guy right well they're gonna force you to use it his way that's not very personal finances rocket money they got a lot of commercials but they're owned by rocket mortgage guess what they want to sell you in the end then there's the new guy on the block monarch hundreds of millions of dollars of private equity raising so far but private equity doesn't have the best track record when it comes to private data that's why I like dollar wise built by these people just like you for people just like you no private equity no gimmicks just the best budgeting app there is download it now start the free trial dollar wise dot com link

• 26:13Caleb Hammer?

  in the description below um I think photography shit no very good so you're making a thousand thousands of dollars it is entirely outcome driven I think that it could be supplemental income for now I'm not planning to maybe how are you getting clients and what what kind of photography what are you doing portrait photography family photography like neighborhood pages huh I've done it in Steiner Ranch before neighborhood pages posted as a photographer I've gotten money and everyone's doing that I know but I'm saying like that or like like I need to do something I need to if you're able to do that why can't you do something else well because in that specific instance I might be able to take medication for a shoot but being able to consistently maintain a job with how the flares are and how severe they can get that's hard that's why I was struggling

• 26:58Caleb Hammer?

  so much in my job yeah potentially but you're you're discounting the amount of work it takes just to even get a shoot on an ongoing basis I that's what I'm saying I don't think it's ongoing I think it's supplemental if you literally can't move when you're flaring it's like okay I yeah so okay you're getting shamed for not doing the dishes even though she doesn't do anything all day rip you uh your life sucks I gotta gonna let him say that I don't do anything all day no she she does do a lot she's actually been pussy whipped you're pathetic

• 27:32Speaker 04

  Yeah, but it she she actually does do shit. The dishes specifically, the soaps that we use flare her hands and cause blisters and shit.

• 27:41Caleb Hammer?

  She can't do anything.

• 27:42Speaker 03

  I really can't and it drives me crazy.

• 27:44Caleb Hammer?

  What are you gonna do? What are you gonna do? What are you gonna do in life? Like this is like time to give up then I guess I don't like I don't know. I have nothing for you. If everything in this conversation is well, my flares, it's like, what the? Why'd you come to financial audit? This isn't flare audit. I can't help you with your flares.

• 27:59Speaker 03

  I I know.

• 27:59Caleb Hammer?

  Your body, that's not my.

• 28:01Speaker 03

  I I can't fix it. I think it's it's ridiculous. My parents have offered to help us like pay for medical for me to go to Mayo Clinic. That is our next referral and we're going. I know.

• 28:11Caleb Hammer?

  Okay, well, what can I do?

• 28:13Speaker 03

  The problem is that during like this time, this is the first time in three years I haven't been able to work. And I'm not entirely sure that he will maintain us. I can't work very much and I'm.

• 28:23Caleb Hammer?

  Guys, you literally told me you're not meal planning and meal prepping.

• 28:26Speaker 03

  We plan, we meal plan. I'm not like meal prepping breakfast, lunch and dinner.

• 28:31Caleb Hammer?

  Why? If we're crying about not having enough meals a day when with the unemployment, you guys do make enough and you'll get food same soon. Uh, and he smokes cigarettes all day and you're paying for chat GPT and all this shit. Yeah, your little addiction, by the way, um. Oh, why the aren't you meal prepping? Thank you, guys. She has a real medical thing. I'm this is how I'm reading it now, just with their arrogance and how they're not willing to cut back on things and and just how they're doing and then they complain about the meals. If you guys haven't picked up on this, I am now. She has a real medical diagnosis, but she's using that to be a victim in everything in life.

• 29:12Speaker 03

  Absolutely not.

• 29:13Caleb Hammer?

  Well, you're having this conversation so far. So prove me wrong.

• 29:16Speaker 03

  It took me seven years of dealing with this.

• 29:19Caleb Hammer?

  Oh, here we go.

• 29:21Speaker 03

  To get to a point where I could even like get to like not working.

• 29:24Caleb Hammer?

  Cool, I don't see how the the how does that make up for you being a victim of not meal prepping?

• 29:29Speaker 03

  I'm not playing victim. I don't want to deal with this. I don't want to be.

• 29:32Caleb Hammer?

  No, but you're using it to play victim and everything.

• 29:35Speaker 03

  I can't.

• 29:36Caleb Hammer?

  So far, meal prepping, oh, here we.

• 29:41Caleb Hammer?

  Oh, I hold people's hands when they cry, but a little bit of pushback on you not meal prepping and it brings you to tears? Meal prepping? Meal prepping? It's meal prepping! Guys, it's, it's, it's meal prepping. I'm sorry, I can't have sympathy for tears for meal prepping.

• 29:55Speaker 03

  It's not about the meal prepping. It's that I do everything in our house nonstop with this and I'm being called the victim and you don't do anything. You work.

• 30:03Caleb Hammer?

  He's working!

• 30:04Speaker 03

  You finally got a job after three months of us wasting the $12,000 we had in savings.

• 30:10Caleb Hammer?

  If he didn't have a job, I'd be kicking his ass that he's not helping around the house. But he has a job. You don't. Why is it on him to deal with the [__] dishes? I'm sorry. If that's, if that's the big thing that holds us back from meal prepping.

• 30:21Speaker 03

  He says that it's on him to deal with the dishes and he hasn't done them in like six months. So I don't understand how that's his job.

• 30:29Caleb Hammer?

  Okay, okay. He's pathetic for not doing it, but I'm sorry. If someone's not doing the dishes for six months, I just step up and do the dishes.

• 30:35Speaker 03

  I do them. That's what I.

• 30:36Caleb Hammer?

  Then why are we crying about not being able to meal prep?

• 30:41Speaker 03

  Right now, I can't like, I can't manage our finances well enough to have money.

• 30:46Caleb Hammer?

  Shut the [__] up! I'm talking about meal prepping. I didn't bring your finances yet. I'm talking about meal prepping. You literally pulled the victim card immediately, five minutes into the episode about, we can't even get three meals the day.

• 31:03Caleb Hammer?

  It's because you want the dishes! Dishes! I can't have sympathy for that. I have sympathy for your flare up and not working. That's why I have a pushback on that. I didn't say go get a job. You haven't heard me say that. Cause that's real. I have sympathy for that. Do I have sympathy of running some, a dishwasher? No!

• 31:24Speaker 03

  I am doing that. I'm not saying it's going.

• 31:26Caleb Hammer?

  Then why aren't we meal prepping?

• 31:29Speaker 03

  It's hard for me to manage like all of our finances and try and figure out where we can get money to do that.

• 31:35Caleb Hammer?

  Meal prepping's time! Meal prepping's time! What do you mean?

• 31:37Speaker 03

  That's why we're here, so we can get your budget notebook and all of the things that are supposed to help.

• 31:42Caleb Hammer?

  Oh my goodness, no offense. Yeah, it's nice. The 30 day meal plan's nice, but you know how to [__] meal prep. You're not individuals. Guys, spaghetti and meatballs and sandwiches?

• 31:57Speaker 03

  I can't eat half of that either.

• 31:59Caleb Hammer?

  Oh my gosh, why am I even talking to her then if she can't do anything? What can you eat?

• 32:05Speaker 03

  It's kind of limit-

• 32:06Caleb Hammer?

  Hey, what can you eat? Was the question that you'll be answering. Thank you.

• 32:11Speaker 03

  Um, we have like a set list of-

• 32:14Caleb Hammer?

  Hey, what can you eat?

• 32:15Speaker 03

  I'm trying, I mean, there's a lot I can't eat.

• 32:17Caleb Hammer?

  Okay, let's talk about what you can eat.

• 32:18Speaker 03

  Okay, I can't have tomatoes. I can't have any nightshades.

• 32:21Caleb Hammer?

  Hey, hey, I said can. Can, do you know what the word can is? Let's try can.

• 32:27Speaker 04

  Alright, so like chicken noodle soup.

• 32:29Caleb Hammer?

  Hey, let's have her answer, cuz like, I don't trust you. You're a little, you're dumb.

• 32:32Speaker 03

  It depends on how much I'm clearing, but I can have things like soups. I can have like chicken.

• 32:36Caleb Hammer?

  Easiest meal prep. That's the easiest meal prep. Soup?

• 32:39Speaker 03

  That's what we've been doing.

• 32:41Caleb Hammer?

  What? You just said you haven't been meal prepping. We only, only want two meals a day.

• 32:50Caleb Hammer?

  I'm sorry, your, your tears are fueling me this episode because they mean nothing. They mean nothing. When, when there's actually something sad that happens in an episode, I'm sad with the guest. Your tears are pathetic right now.

• 33:04Speaker 03

  I'm, I'm, I have a hard time with this conversation, um, because-

• 33:08Caleb Hammer?

  Of not meal prepping.

• 33:09Speaker 03

  No, not of not meal prepping. This whole-

• 33:11Caleb Hammer?

  Well, that's all we've been talking about for 20 minutes. That was disgusting. Control yourself.

• 33:16Speaker 03

  Um, it's just that like, yes, there's a lot that I can't do and it sucks right now and meal prepping is part of it.

• 33:23Caleb Hammer?

  Can we meal prep soup?

• 33:27Caleb Hammer?

  You said you can have chicken?

• 33:28Speaker 03

  I'm not, I-

• 33:29Caleb Hammer?

  You said chicken?

• 33:30Speaker 03

  Yes, we are meal prepping like for a couple of days, but it's not like, like a week of like stuff that-

• 33:35Caleb Hammer?

  Unnecessary food, you spend $800. I can get you $600 at HEB with the meal plan and the cookbook for meal prepping for a month.

• 33:43Speaker 03

  That would be-

• 33:43Caleb Hammer?

  So shut the [__] up, trying to come in here and cry, baby, that you can, you can't have three meals a day. When you spend $800 a month for two people on food. Oh, she's gonna cry about that too. Okay, what, what are we doing? What are we [__] doing?

• 33:57Speaker 03

  Am I the only one who's gonna talk in this conversation or not?

• 34:00Speaker 04

  No, I'll talk too. I just got told to shut up when I was talking.

• 34:06Speaker 03

  Okay, here's the thing. For all three years of our relationship, I have been the main earner. I've worked-

• 34:17Caleb Hammer?

  Congratulations. Here's your reward.

• 34:21Caleb Hammer?

  This is the best I can do for a gold star.

• 34:23Speaker 03

  No, I don't.

• 34:24Caleb Hammer?

  What's the point?

• 34:25Speaker 03

  My point is I'm tired of it. Like I like.

• 34:27Caleb Hammer?

  Okay, well, congratulations. You're tired of it worked because now you don't work and he does. So it doesn't matter. Your dream came true.

• 34:35Speaker 03

  No.

• 34:36Caleb Hammer?

  What do you mean? I don't know. But like, eh, I was on your side until all of a sudden you started talking about things I actually do know. And then I realized you were just arrogantly being victims. Which makes me just not unfortunately trust what you're saying about the medical, but I'm not informed enough to push back. So I don't really care.

• 34:54Speaker 03

  So we had 12 grand from the inheritance that I got or tax return I have or whatever. And savings when I lost my job. He just didn't apply for jobs. So we spent all of that 12 grand during that time when I was actively.

• 35:08Caleb Hammer?

  He has a job now.

• 35:10Speaker 03

  Right. Yes. He now has a job.

• 35:12Caleb Hammer?

  Guys, do you hear me in the show? I've said multiple, multiple times, I don't give a fuck about what you have done. I care about what you are doing. What you are doing now is he has a job. You do not. I'm not going to criticize you for the job part, but I'm going to criticize you for what you do with the money that comes in. And what that is is, I mean, you spent nearly 66% of the money you spent getting groceries you all spent going out to eat. You're gonna cry and bitch and moan pathetically about not being able to eat three meals a day yet you go out to eat? Guys.

• 35:48Speaker 04

  Most of that.

• 35:50Caleb Hammer?

  This is first world problems. This is beyond first world problems. Complaining about not getting enough meals on the table, yet you go out to eat?

• 35:59Speaker 03

  We don't go.

• 36:00Caleb Hammer?

  What conversation are we? Oh, hey, a woman. You go out to eat?

• 36:05Caleb Hammer?

  You can't say that.

• 36:06Speaker 04

  But you don't say that.

• 36:08Speaker 06

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• 36:33Speaker 04

  Shut up. You literally can't say that. Most of that is me getting food.

• 36:37Caleb Hammer?

  Hey, you're a part of it?

• 36:38Speaker 03

  No, like, we don't go out on dates. When are you going out?

• 36:41Caleb Hammer?

  It doesn't have to be a date to go out to eat. Hey, is McDonald's going out to eat? Is Chick-fil-A going out to eat? Is Starbucks going out to eat? Is getting DoorDash of $359 going out to eat?

• 36:51Speaker 03

  That was groceries.

• 36:52Caleb Hammer?

  Not all, we'll see.

• 36:54Speaker 03

  Yeah.

• 36:54Caleb Hammer?

  Pizza Hut? Is that groceries? Is that going out to eat?

• 36:57Speaker 03

  No.

• 36:57Caleb Hammer?

  I don't know. I think, I feel like, I feel like Pizza Hut, if I'm not mistaken, is not actually being made at home. I might have to be fact-checked on that one. Comments, let me know.

• 37:06Speaker 03

  I thought you meant like restaurants.

• 37:07Caleb Hammer?

  McDonald's, did you make those fries at home? Or was that ingredients you got from a store called McDonald's? So, you, you, you, you want to come in here and look sad and get the sympathy of the audience and me for not being able to have three meals a day, yet McDonald's, Chick-fil-A, Starbucks, DoorDash, you know, Pizza Hut are happening?

• 37:32Speaker 04

  Oh, yeah.

• 37:33Caleb Hammer?

  Yeah, there you go.

• 37:33Speaker 04

  Again, most of that is me.

• 37:34Caleb Hammer?

  No, you just got called on your shit. Sorry, can't be victims when there's proof of you guys not being actual victims. I know that's a card you seem to have played your entire life so far.

• 37:46Caleb Hammer?

  You're saying no, yet you just did it for 35 minutes.

• 37:49Speaker 03

  That is not a card I've played my entire life, and that's not how I operate.

• 37:53Caleb Hammer?

  What? That's how you've operated in at least multiple parts of this conversation so far?

• 37:56Speaker 03

  Yeah, I, I'm in the part of my life where, for the first time, I can't figure it out

• 38:00Caleb Hammer?

  I'm not criticizing the medical thing, but you're victim, you're victiming on the food prepping, you're victiming on the budget, you're victiming on the income coming in, and I'm talking about the unemployment differently of the job you got fired from, but you still got unemployment anyway. You're victim talking about not having enough meals, yet you spent enough for three people on groceries, and you also went out to eat for an additional $600. Yes, you absolutely did. Don't try to pretend like you didn't. I will not let that slide. There will be nothing productive that it comes in this conversation if you are not. Able to accept that you were being a victim. If you're not willing to accept that part of your behavior being called out, then you'll never improve ever in your life. And then what the am I doing?

• 38:43Speaker 03

  Right.

• 38:44Caleb Hammer?

  Uh huh. Speak, boy.

• 38:47Speaker 04

  On what?

• 38:48Caleb Hammer?

  Something. She said you're not speaking, so there must be something there. In fact, unfortunately, when I look at you, I can tell there's nothing, but.

• 38:55Speaker 04

  Honestly, I don't know. I don't know.

• 38:57Caleb Hammer?

  Told you there was nothing.

• 39:00Caleb Hammer?

  Okay, so you're the breadwinner. How much money were you making?

• 39:05Speaker 03

  Um, sixty-five to seventy, depending on where I was working.

• 39:09Caleb Hammer?

  Now, you were telling pre-production that uh you had your last job for ten months and you were stressed all the time, which led to the flare-ups. But you were in, I mean, no offense, and I have some of them here, and they have the least stressful jobs. Marketing.

• 39:25Speaker 03

  Marketing is not stressful. Um, the boss that I had was like, like crazy. She had

• 39:31Caleb Hammer?

  Wait, multiple people were going to the fucking ER from this marketing job?

• 39:35Speaker 03

  From, from the boss that we had, multiple people on my team all went to ER for stress-related incidents, yes.

• 39:40Caleb Hammer?

  What? Okay, make, I'm uh.

• 39:43Speaker 03

  Yeah, and we went to HR.

• 39:45Caleb Hammer?

  HR, make sure you never hire anyone from that team.

• 39:49Caleb Hammer?

  Sounds like a lot of, bunch of pussies.

• 39:51Speaker 03

  Oh, no.

• 39:51Speaker 04

  No, no, she, she was a bitch and I never spoke to her directly.

• 39:54Caleb Hammer?

  Buddy, did you work there?

• 39:55Speaker 04

  No, but I could.

• 39:56Caleb Hammer?

  Shut the fuck up. What?

• 39:58Speaker 03

  Um, I worked from home, so he witnessed it.

• 40:00Caleb Hammer?

  She worked from home? And you're, what did your boss do?

• 40:04Speaker 04

  Uh, took her credit.

• 40:06Speaker 03

  Well, she, not only did she take credit for everything, she was.

• 40:09Caleb Hammer?

  That's our, we went to the ER, so boss took credit?

• 40:12Speaker 03

  No, no, no, no, no, no. She's, she not only is working other jobs, like while supposed to be maintaining this job.

• 40:19Caleb Hammer?

  That gave you the stress to go to the ER? She had another job? I'm not, okay, continue.

• 40:23Speaker 03

  We picked up her whole workload. We had no, no training when I started.

• 40:27Caleb Hammer?

  Okay, these are basic job things that everyone has experienced out there. Continue.

• 40:31Speaker 03

  Okay.

• 40:32Caleb Hammer?

  Waiting for the.

• 40:34Speaker 03

  She would constantly push off all of her work on us last minute and like.

• 40:38Caleb Hammer?

  You've all experienced this, and so have I.

• 40:45Speaker 03

  I've experienced it. I'm not saying that it's like not

• 40:47Caleb Hammer?

  You're saying everyone went to the [bleep] ER. I'm waiting for the thing that sent everyone to the ER.

• 40:52Speaker 03

  It was constant. It was like, it's not like, was, it wasn't like a boss, like, if I dealt with a boss, that's fine. I mean, she was like pushing off projects, telling us we had one day to do them when it was like a two week project to make a book, like a whole thing to print and produce, right? I mean,

• 41:09Caleb Hammer?

  No, it sounds like a shitty job, but we've all been in this position before.

• 41:13Speaker 03

  Yeah, it was a horrible job and I kept it and I did it anyway because we had to, as you said, right?

• 41:18Caleb Hammer?

  I think you guys were enabling each other. I really do in this victim mindset shit. I really do.

• 41:24Speaker 03

  No, um, my team member who worked under me went to the ER for, she was in for a week and a half. She was admitted.

• 41:32Speaker 03

  For like, she had some stomach thing. They were saying if she doesn't cut back stress in her life, she's gonna have to surgery.

• 41:37Caleb Hammer?

  She had a stomach thing. She needed to cut, cutting back stress is a thing that is oftentimes given as a prescription to multiple things. That doesn't mean she was given that due to high stress, but you want to cut back on stress through a lot of things that happen to your body. Yes, that is very common. Blood pressure, blah, blah, blah, all of it. Cut back on stress. That doesn't mean stress caused it though.

• 41:58Speaker 03

  Well, from my understanding,

• 42:01Caleb Hammer?

  Oh, [bleep]. You guys can never have a job.

• 42:07Caleb Hammer?

  No, her previous job, she held down for like,

• 42:09Speaker 03

  Yeah, I had my last job for like four, four or five years.

• 42:13Caleb Hammer?

  Okay.

• 42:14Speaker 03

  Yeah, I was working as a contractor. So I worked full time for Canon, VMware, um, a marketing agency called Innovatus and a couple esports teams.

• 42:25Caleb Hammer?

  Why didn't you leave the job with your Nazi boss?

• 42:29Speaker 03

  Because I didn't have clients anymore. My main client did not fulfill.

• 42:33Caleb Hammer?

  No, why didn't you go get another job?

• 42:35Speaker 03

  I was applying the whole time I was there. I just, I couldn't find anything that like, I would go through interviews, multiple like interview processes, get to the final point and they would say, you know, we would have selected you, but.

• 42:46Caleb Hammer?

  This is what's concerning for me with the notes that I'm given and what you talked about, the little side stream of income, that you want to keep being an entrepreneur, you want several streams of income, you want to make businesses out of hobbies. I don't think you realize you having a bad boss, that was stressful. You will never experience stress like running a business.

• 43:03Speaker 03

  I know.

• 43:05Caleb Hammer?

  It is the stress, most stressful. If you ever get employees, if you ever get anything, you will never experience stress higher than that.

• 43:10Speaker 03

  I've aged like 10 years. That's why I have to do something about like my flares. Like I have.

• 43:14Caleb Hammer?

  Oh, well, all of a sudden, when it comes to her doing what she wants to do, she can do something about her flares. But when it comes to her working a job, she can't work a job because of her.

• 43:25Speaker 03

  Flares regardless. That's, that's why, like, right now, when I'm not working, that is what we're doing. I'm on the second month of a new treatment that we're trying. I'm supposed to go to Mayo Clinic in July. I start with a new specialist.

• 43:37Caleb Hammer?

  Okay, so it's time to get a job after that, then?

• 43:39Speaker 03

  Right. And that, that's my concern is like, we're blowing through savings like crazy. This job, like, I appreciate.

• 43:45Caleb Hammer?

  Why are we going out to eat? Why was I going out to eat, spending $500?

• 43:50Caleb Hammer?

  Right.

• 43:52Speaker 03

  Because it needs fixing.

• 43:54Caleb Hammer?

  Let's cry about it.

• 44:01Caleb Hammer?

  Yeah, keep touching. That's gonna make this go better. I think you guys got called in your shit for the first time in your life because no one around you is willing to.

• 44:12Speaker 04

  Yeah, I don't really have very many people in my life, especially to call me out on my shit aside from her. And she does call me on my shit most of the time.

• 44:21Caleb Hammer?

  Yeah, like not doing the dishes.

• 44:23Speaker 04

  Not doing the dishes, keeping a job, buying for jobs.

• 44:27Caleb Hammer?

  Probably just be an adult. Yeah, that's, that, that would be nice. I don't think that's her nagging or her being on your ass. I think you should just get a job and take care of the house like an adult.

• 44:37Speaker 03

  Yeah.

• 44:37Caleb Hammer?

  Yeah. And it's pretty pathetic not to. You guys said you have kids, right? Is that what I heard?

• 44:41Speaker 04

  Yeah, they don't live with.

• 44:42Speaker 03

  We don't have full custody of them. Two, five and six.

• 44:45Caleb Hammer?

  No, you said you have kids.

• 44:46Speaker 04

  I have kids, yes.

• 44:47Caleb Hammer?

  You have kids, five and six?

• 44:48Speaker 04

  Hmm.

• 44:49Caleb Hammer?

  You provide child support?

• 44:51Speaker 04

  Yeah, roughly 200 a month.

• 44:53Caleb Hammer?

  Does that?

• 44:54Speaker 03

  Not anymore, though.

• 44:55Caleb Hammer?

  Yeah. Why?

• 44:55Speaker 04

  Because the child support is to my mother. My mother has custody.

• 44:58Speaker 03

  Yes. When I, when I lost my job, we, her and I sat down with our budget and we were talking about like, not doing it in the meantime while we figure out what's going on.

• 45:09Caleb Hammer?

  How do we even communicate in this house? Cause I feel like you probably just like,

• 45:12Speaker 03

  We don't.

• 45:13Caleb Hammer?

  Yeah, I bet if you hammering shit down, you'll be like, I'm not thinking about anything.

• 45:18Speaker 03

  He just won't talk to me ever. Like, we'll sit down to look at our budget and he'll look at it and be like, I'm too tired to have this conversation right now.

• 45:25Caleb Hammer?

  And then you yell and cry at him.

• 45:27Speaker 03

  No, we just stop. We actually don't fight very often at all. We just don't talk at all either, which is why we're not fighting.

• 45:35Caleb Hammer?

  Well, I don't know if he's capable. But I mean, I'm being told you primarily talk about your relationship through sending each other TikTok videos anyway.

• 45:44Speaker 03

  Neither of us watch him. That's a whole thing about it.

• 45:46Caleb Hammer?

  Well, I don't think that's a way of communicating anyway.

• 45:48Speaker 03

  No, it's not. It's like a passive aggressive type thing because it's.

• 45:53Caleb Hammer?

  Well, it's because you're both and he's just.

• 45:56Speaker 03

  Yeah.

• 45:57Speaker 04

  Basically.

• 45:59Speaker 03

  It's just frustrating. I feel like I've been in our household by myself for so long. And he has a ring. And I'm like, I don't know if I'd say yes tomorrow.

• 46:11Caleb Hammer?

  Oh, you're not married?

• 46:12Speaker 04

  No.

• 46:12Caleb Hammer?

  Oh, thank goodness. Both of you run from each other.

• 46:16Caleb Hammer?

  Hey, you dated in high school? That's great. Guys. No offense, I mean.

• 46:24Caleb Hammer?

  If he's leaving, it's not like leaving someone that just got like, like state try of cancer, right? Right? Right? Like, it would be, it would be bad if he left her. Probably it would look bad.

• 46:38Speaker 03

  Probably be less stressful, actually.

• 46:40Caleb Hammer?

  Huh?

• 46:41Speaker 03

  It would be less stressful.

• 46:43Caleb Hammer?

  He would be less stressful?

• 46:44Speaker 03

  No, no, no. I think it would be like if we were to break up, it probably would be better on my players and less stressful.

• 46:51Caleb Hammer?

  Oh, yeah, that's what I'm saying. I think both of you would be much happier. I don't know why you guys are together. Like, what is keeping us together?

• 46:59Speaker 04

  Love.

• 47:01Caleb Hammer?

  Huh, sounds like it.

• 47:09Caleb Hammer?

  Is she gonna cry the entire hour and a half? No.

• 47:13Caleb Hammer?

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• 47:56Caleb Hammer?

  This is the best membership you'll ever join, and that's a promise.

• 48:01Caleb Hammer?

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• 48:43Speaker 03

  Don't lie to him, probably. I'm just, it's like, we've never been able to talk about it. Or like I said, down, I can't get him to have a conversation.

• 48:52Caleb Hammer?

  All right, let's have the conversation now.

• 48:53Speaker 03

  This is the first time that we've sat down and it's just all coming out.

• 48:56Caleb Hammer?

  So what have you wanted to say to him?

• 49:00Speaker 03

  One, I don't know if I'd say yes if you proposed tomorrow. I love you and I've loved you for like so long, but you don't help around the house. You don't apply for jobs. You don't contribute to our finances. You have no motivation in life to have goals. I want to accomplish something. I hate that I'm in a position where I can't right now. And I'm, you have watched me at home, still doing everything I can. I've gone through our whole house, which you failed to mention. Like I am actively doordashing. I'm the first person who's fixed our car, which that was a whole surprise and like thirteen hundred dollars we did not need to spend had you done what you had told me you were gonna do.

• 49:39Speaker 03

  I feel like I spend all the time being in charge and undoing what you just like, if you don't do it, it becomes a problem and I undo it. And right now, like now that we're in a position where it's like, I'm not making money, then what? Like, do we lose our apartment next or do we figure this out? Because I don't know, you know, well, well, how much do you make in commission? I don't know. You forgot to pick up your check for a week and a half. Like that's like, you're getting paid. Why would you not want money? Like, like pick, like just take.

• 50:11Speaker 06

  Hey Spotify listeners, when you travel with American Airlines, you'll enjoy comfort and convenience at every altitude. Before takeoff, unwind in the Admiral's Club Lounge with curated self-serve offerings of hearty bites and refreshments. In flight, stay connected with high-speed Wi-Fi, sponsored by AT&T. Your journey is designed to feel easy from the moment you check in to the moment you arrive. No matter where you're going, American gets you there. Book now at aa.com.

• 50:36Speaker 03

  Take your check from him. You don't do anything. You just forget. But your last job, you worked four hours a day, watching YouTube all day and then, um, and then you went to like home and played video games for eight hours a day and still weren't helping around the house. So it's like, this isn't like a new problem where it's like, oh, you know, you're not cleaning while I am home. But. So.

• 51:03Speaker 04

  That's fair. I can admit I was a lazy piece of shit for the first three years of our relationship. Didn't help, didn't do.

• 51:10Caleb Hammer?

  Wait, I believe this, that's the all of it? That's all of it. But continue, please.

• 51:16Speaker 03

  Our three year anniversary was in April.

• 51:18Caleb Hammer?

  Sorry, I don't want to interrupt you, except I just did. Continue.

• 51:20Speaker 04

  That's fair. Anyways, I have been a lazy piece of shit. I haven't helped out. I haven't done anything to support the relationship, but I feel like I am starting to try to help out.

• 51:34Speaker 03

  You're showing up to your job and I would argue that that's a pretty basic adult skill that needs to be done, right? But I would say that I've heard you say that you recognize that it's wrong and that there's a problem and that you recognize that like the stress is like clearly have an issue.

• 51:50Caleb Hammer?

  Keep responding because you said a lot.

• 51:52Speaker 03

  You haven't done anything.

• 51:54Speaker 04

  Yeah, I, I haven't. I am working on being more, not, not open, open is not the right word, but communicative. I don't think that's a fucking word.

• 52:07Speaker 03

  It is the word.

• 52:09Speaker 04

  Okay, well, that I'm trying to actively

• 52:14Speaker 04

  be more present in the relationship. I haven't done the greatest job of it.

• 52:20Speaker 03

  So.

• 52:21Caleb Hammer?

  Is he? He's saying he's working. Is he working?

• 52:24Speaker 03

  He is working.

• 52:25Caleb Hammer?

  Okay.

• 52:25Speaker 03

  He's doing that.

• 52:27Caleb Hammer?

  No, no, no. He says he's working on all of that. Is he working on all that? Or is he just pushing it off?

• 52:32Speaker 03

  So he went on a business trip for a week this last week. He's been gone the whole week. He had four days off before he left and I said, before you leave, I need you to do these three things that I can't do. Before you go, I need you to fix the litter robot that you like deprogrammed so it's working while they're gone. I need you to do the dishes that you have your special cast irons that you wash a specific way and whatever. And what were the other ones?

• 52:59Caleb Hammer?

  One more should have been.

• 53:01Speaker 03

  There's two more, but they were like very simple, like things and he had four days to do them. And I told him at the beginning of the four days. So he had plenty of time. When he left, he left the litter robot unplugged, didn't fix it, didn't do the dishes, didn't help with like any of the four things I had asked him to do. Um, there was actually something that caused a problem. I'm trying to remember.

• 53:22Speaker 04

  It was a robot.

• 53:23Speaker 03

  It was, yeah, he had left it like completely unplugged to the point where like I didn't find out until like a couple of days in.

• 53:29Caleb Hammer?

  Why can't you just worry? Why don't you do anything? Also, what the business trip two weeks in this job?

• 53:37Speaker 03

  Yeah, they go to Tulsa. They go to Tulsa once a month to go sell there because it's a better market, but that is was not our experience when he went.

• 53:44Speaker 04

  Yeah.

• 53:45Caleb Hammer?

  What the Tulsa? They just need more keys?

• 53:48Speaker 04

  Yeah, no, but they just don't have a van there. So.

• 53:51Caleb Hammer?

  Why doesn't someone start a van there if it's such a good market?

• 53:55Speaker 04

  Because my boss is now covering.

• 53:57Caleb Hammer?

  Open your phone. Give it to me.

• 54:00Caleb Hammer?

  Oh, thank fuck. It's an iPhone.

• 54:02Speaker 04

  What do you need?

• 54:04Caleb Hammer?

  Whatever I want, boy.

• 54:07Caleb Hammer?

  How is it that you are four years younger than me and look 40 years older than me?

• 54:12Speaker 04

  Uh, a lot of what I was doing, not good shit.

• 54:16Caleb Hammer?

  You also don't have a chin.

• 54:21Speaker 03

  He's not wrong.

• 54:23Speaker 04

  Damn.

• 54:24Speaker 03

  We've talked about that, though.

• 54:26Speaker 04

  Yeah.

• 54:27Speaker 03

  He needs dental work. Ask him about his.

• 54:29Caleb Hammer?

  Oh, it's a dental thing?

• 54:31Speaker 03

  Oh, ask him about his.

• 54:33Caleb Hammer?

  Fine. I don't know if that changes. You have a chin.

• 54:40Caleb Hammer?

  Uh, type in your passcode, freak.

• 54:45Caleb Hammer?

  Do you not know your passcode?

• 54:47Speaker 04

  Wait.

• 54:48Speaker 03

  It's like a PIN, not like your passcode, passcode.

• 54:52Speaker 04

  Yeah, it should be. Bring it back up. I don't know what you did.

• 54:59Speaker 03

  Okay, it will eventually lock your phone. Free failed passwords, bro.

• 55:04Caleb Hammer?

  How do you not?

• 55:07Caleb Hammer?

  Trying to look at a screen time, which is for some reason password protected. What the is wrong with you?

• 55:13Speaker 04

  Uh, I have no idea what that passcode is.

• 55:16Speaker 03

  Would it be our anniversary?

• 55:18Speaker 04

  That's what I tried.

• 55:20Caleb Hammer?

  Brother.

• 55:21Speaker 04

  Uh huh.

• 55:22Speaker 03

  He doesn't know his bank password either.

• 55:25Caleb Hammer?

  So she has to take care of everything for you.

• 55:30Speaker 03

  Do you want me to try?

• 55:35Caleb Hammer?

  He's not hiding. Shit.

• 55:38Speaker 03

  No, he's not hiding shit.

• 55:40Speaker 04

  I'm just a little slow sometimes.

• 55:44Caleb Hammer?

  Oh, so she, she, she's, so she got your health insurance for you because you're pathetic. She knows your bank logins because you're pathetic. Why can't you do shit?

• 55:56Speaker 04

  Um, just a lazy piece of shit and I'm relearning shit.

• 56:00Caleb Hammer?

  He answered it. Just leave. You might love him, but your life will be so much better without him. You guys haven't bred yet. You're not married. Leave. Leave. Why? Why? Yes, you love, you'll love someone else. There's a lot of life. You're 27. Leave.

• 56:17Speaker 03

  I told him that if this isn't something that we can resolve, then.

• 56:20Caleb Hammer?

  This isn't just something though. This is the finances. I'm talking about, he leaves his job every five seconds. He's only excited because he just went on a trip to Tucson. Uh, but that, he doesn't do his like custom dishes that he needs to do. He doesn't do the kitty litter. He doesn't do anything. Bro won't get health insurance. Bro won't do anything. Doesn't know his bank login. He can't even burp like a normal adult that's on camera. That you need to leave this man. I'm sorry.

• 56:52Caleb Hammer?

  Like, I don't know. What, what, what is, what does he provide for you? Besides that you love him, which is important, but you will find love. Yes, you will.

• 57:02Speaker 03

  No, no, no. That, to answer your question, um, he, I mean, he does show up in ways that like, if I'm flaring and I need help, like he will help. He's there like, you know, but, but financially or like in terms of having goals or motivations in life, like, no, that's not something that he seems to want to participate in.

• 57:27Caleb Hammer?

  I couldn't be with someone like that, even if I loved them.

• 57:29Speaker 03

  I can't either.

• 57:30Caleb Hammer?

  Even if it was Sydney Sweeney and she didn't have.

• 57:33Speaker 03

  I could be with Sydney Sweeney if she is like, I'd make her my housewife. I'm not gonna lie. It'd be fine.

• 57:39Caleb Hammer?

  Nevermind. She can have no ambition or everything like that.

• 57:41Speaker 03

  Yeah, yeah, yeah.

• 57:43Caleb Hammer?

  But listen, he ain't a 10 out of 10.

• 57:46Speaker 03

  I just, I, I know that like, he's capable of it. I've seen it before. Like, we've been friends for so-

• 57:51Caleb Hammer?

  When? When he does it for like a month?

• 57:52Speaker 03

  No, he didn't used to be like this. Like years ago, like when we've-

• 57:56Caleb Hammer?

  What happened?

• 57:57Speaker 03

  He went and made some poor choices that-

• 58:01Caleb Hammer?

  It's fine, but the poor choices are done, right?

• 58:02Speaker 03

  Right. And he's-

• 58:03Caleb Hammer?

  So why is he not bouncing back?

• 58:05Speaker 03

  He feels capable. Like, like-

• 58:07Caleb Hammer?

  He might not be. He's a fucking meanderthal.

• 58:08Speaker 03

  For the first time, like, I think the reason he's so excited is he feels like he is doing something.

• 58:13Caleb Hammer?

  Okay, but for what it's worth, he's excited that he's been in a job for three weeks. One week was on a paid trip to the desert. Like, he's too, we're all excited a couple of weeks into it first. Dude, I was excited. A couple of weeks into it, I worked at a pop pop place. That place ended up sucking.

• 58:30Speaker 03

  Yeah, I worked at a garden center. I was super excited and then I hated that job.

• 58:33Caleb Hammer?

  Exactly. That's how it all starts. So that means nothing that is exciting.

• 58:36Speaker 03

  Right. I just, I want to give him the support to have whatever career path he wants, but I just don't know how to do that when he doesn't even know what he wants.

• 58:43Caleb Hammer?

  Uh, go to settings. Well, I don't think, cause for what it's

• 58:49Caleb Hammer?

  change screen time, turn off screen time passca- yeah, but he needs to-

• 58:54Speaker 03

  I might know it.

• 58:56Speaker 04

  You gotta wait four minutes.

• 58:57Caleb Hammer?

  Oh, you can do forgot passcode. And then your Apple account.

• 59:04Speaker 03

  You know your Apple password?

• 59:06Caleb Hammer?

  Buddy, if you don't know your Apple password, I'm gonna, and I actually believe it. I, I, I believe it. He's-

• 59:13Caleb Hammer?

  If you make kids with him, they're gonna have

• 59:16Caleb Hammer?

  like triple downs. You can't. Don't breed with this man.

• 59:24Caleb Hammer?

  It hasn't been tracking. So we can't even see. Cause it's been off.

• 59:29Speaker 03

  I will say, you won't see anything on there anyway. He doesn't spend a ton of time on his phone. He spends it all on his computer.

• 59:35Caleb Hammer?

  Even at home when she needs extra help?

• 59:37Speaker 03

  Yeah, like eight hours a day.

• 59:38Caleb Hammer?

  Doing what? Oh, gaming, she says.

• 59:40Speaker 04

  Gaming. Apex.

• 59:41Caleb Hammer?

  Okay, how many hours a day?

• 59:43Speaker 04

  Hmm, it was pretty constant.

• 59:47Caleb Hammer?

  It was? I'm talking about now.

• 59:48Speaker 03

  I introduced it to him like maybe two years ago. He has about 4,000 hours on the game already.

• 59:53Caleb Hammer?

  Okay. That's, I mean, that's a lot, but, and I know people with even more, right? 4,000.

• 59:59Speaker 03

  Yeah.

• 1:00:00Caleb Hammer?

  How many did you have on Rust, Brandon? Five thousand, okay, it's a lot, it's a lot.

• 1:00:04Speaker 03

  Yeah.

• 1:00:04Caleb Hammer?

  Okay, um, yeah, that's a lot. Okay, but how much now, though?

• 1:00:08Speaker 03

  Uh, from the time he gets home till he goes to bed, so probably about four, five hours a day. And then on his days off, it's all day.

• 1:00:17Caleb Hammer?

  You just started streaming again, too. See, if you're able to stream, if you're able to do the

• 1:00:20Speaker 03

  I've streamed twice.

• 1:00:22Caleb Hammer?

  But even still, let's pretend you make it as a streamer and you make it full time. You wouldn't be able to handle a cancellation. The first cancellation you get, your body would literally

• 1:00:30Speaker 03

  I've been a streamer.

• 1:00:31Caleb Hammer?

  In fact, yeah, big enough to get a cancellation?

• 1:00:34Speaker 03

  Uh, yes, I was making about two grand a month as a streamer.

• 1:00:37Caleb Hammer?

  So not big enough to get a real cancellation?

• 1:00:38Speaker 03

  Not like a, no.

• 1:00:39Caleb Hammer?

  If you ever made a substantial enough living off of it to get a real cancellation, your body would literally explode. If you're stressed from a marketing job because your boss handed you a last minute project was enough to flare up, dude, you would die. You would actually die. Your, your organs would shut down. You couldn't handle it.

• 1:00:57Speaker 03

  I don't think I can handle not working either, though. I have always worked. No, like

• 1:01:02Caleb Hammer?

  Okay, what do you guys think your Hammer Financial score is for the household?

• 1:01:04Speaker 03

  Zero.

• 1:01:05Caleb Hammer?

  Zero being the worst, ten being the best.

• 1:01:07Speaker 04

  Yeah.

• 1:01:08Caleb Hammer?

  You were able to get there all on your own. Proud of you. Appreciate it. It's yours for free, CalebHammer.com. Take the assessment. Just takes a few minutes to see where you stand in the world of money, where you're doing poorly, where you're doing great, how you can get to the place of doing great. And a good way to get there, unlike the guests on this show, is to download the Dollar Wise Budgeting app. Take the free trial, see if you like it. Most people do. And if you do,

• 1:01:30Caleb Hammer?

  sign up for the annual version of SAVES, almost 50%. That's why most people do it. And then you also get the signed version of my 30 day meal plan.

• 1:01:39Speaker 03

  Thank God.

• 1:01:40Caleb Hammer?

  I'll sign it and mail it directly to you. It comes with the digital version of the cookbook for all the recipes.

• 1:01:45Speaker 03

  Appreciate it.

• 1:01:46Caleb Hammer?

  Uh huh, that's for all snacks, drinks and meals.

• 1:01:48Speaker 03

  Huh?

• 1:01:49Caleb Hammer?

  If you're a good boy, I'll sign it.

• 1:01:51Speaker 04

  Say less.

• 1:01:54Caleb Hammer?

  Visa, well Best Buy.

• 1:01:57Speaker 03

  All of the credit cards.

• 1:01:58Caleb Hammer?

  Well, you're a nerd too. So, oh, okay. Why are you going into credit card debt?

• 1:02:02Speaker 03

  Because we have to pay bills. So when I, like, in the times-

• 1:02:06Caleb Hammer?

  Why'd you go out to eat $500 last month? Doesn't make sense. Miscellaneous bullshit. Also $500. Doesn't make sense. So you spent on bullshit, minimum 1,000 hours last month. You can't use the excuse because to pay bills. You've been spending bullshit. You're on, he's, he just got this job. You're unemployed. Unemployment's about to run out. Food stamps hasn't kicked in yet because it takes like 30 days.

• 1:02:25Caleb Hammer?

  Why 1,000 hours on bullshit then? I guarantee you, all the credit cards going up was not 1,000. You spent 216 hours on here. If I turn the page, will it all be necessities on the Best Buy card?

• 1:02:35Speaker 03

  The Best Buy card, no.

• 1:02:36Caleb Hammer?

  Then how can you tell? See how she tried to be a victim there? She tried to look good. She tried to do it again.

• 1:02:44Speaker 03

  No, you're right.

• 1:02:44Caleb Hammer?

  Why is the credit cards up?

• 1:02:51Caleb Hammer?

  I asked the cards and I obviously said the Best Buy card. Oh, I couldn't afford to, I had to make sure they, food, food's on the tables.

• 1:03:00Speaker 03

  Okay, okay.

• 1:03:01Caleb Hammer?

  Like, what are you talking about? $216.49 spent. Well, interest is accruing while he only made a $30 minimum payment, which is higher now. It's up to $51. $51 is your new minimum. Yeah, you owe $1,929.04 on a $2,000 limit. What do you know about the finances of this household, my friend?

• 1:03:25Speaker 04

  Honestly, not shit. I know-

• 1:03:28Caleb Hammer?

  Do you know shit about anything, my friend?

• 1:03:31Speaker 04

  I know shit about car keys.

• 1:03:35Speaker 04

  I can tell you that our average-

• 1:03:36Caleb Hammer?

  Is he even good at Apex?

• 1:03:38Speaker 03

  He's okay.

• 1:03:39Caleb Hammer?

  Oh, 4,000 hours to be okay? What are we, 4,000 hours to be okay?

• 1:03:46Speaker 03

  He was almost a masters player.

• 1:03:47Caleb Hammer?

  Put the fries in the bag.

• 1:03:50Speaker 03

  He won't work fast.

• 1:03:51Speaker 04

  I don't do fast food anymore.

• 1:03:52Caleb Hammer?

  That's not what I'm saying, but also, yes, you will. You are the prime suspect for fast food, no offensive fast food workers, but-

• 1:03:58Speaker 03

  No, he was a full-on chef manager and everything for fast food. He was like excelling in that. He just won't do it.

• 1:04:04Speaker 04

  I won't do that shit again.

• 1:04:05Caleb Hammer?

  That's pathetic. Leave him. If he won't do something, leave him. Are you flaring now? You're getting red.

• 1:04:11Speaker 03

  It's because I cried.

• 1:04:12Caleb Hammer?

  Does that equal flair? Are you gonna break?

• 1:04:16Speaker 03

  No, my skin's, you'll see it, like.

• 1:04:20Caleb Hammer?

  Is it disgusting?

• 1:04:21Speaker 03

  No, you saw the video. I mean, it's just gonna look really red. I'm gonna be able to draw on my face like we can play tic-tac-toe.

• 1:04:30Caleb Hammer?

  Well, why didn't you like fast food?

• 1:04:34Caleb Hammer?

  Was it the clientele?

• 1:04:36Speaker 04

  Not necessarily the clientele. It was, it was the work. It was.

• 1:04:42Caleb Hammer?

  He worked at KFC.

• 1:04:44Speaker 03

  He did?

• 1:04:44Speaker 04

  I ran that KFC.

• 1:04:52Caleb Hammer?

  Oh, just like you're gonna ran the van.

• 1:04:54Speaker 04

  Run.

• 1:04:55Caleb Hammer?

  I know, I was using your word. I was being a silly goose.

• 1:04:59Speaker 04

  But yes, I'm gonna own that van.

• 1:05:04Speaker 04

  With rent.

• 1:05:04Speaker 03

  You're gonna rent it.

• 1:05:05Caleb Hammer?

  With a permanent rent forever.

• 1:05:07Speaker 03

  Right.

• 1:05:08Caleb Hammer?

  Okay, so let's see what this Best Buy card was spent on. That is basically maxed out, by the way. Maxed out, by the way. Maxed out.

• 1:05:18Speaker 04

  Okay.

• 1:05:21Speaker 03

  That is a problem.

• 1:05:22Speaker 04

  Yes.

• 1:05:23Caleb Hammer?

  You had a late fee this year?

• 1:05:24Speaker 03

  Yes.

• 1:05:25Caleb Hammer?

  Why? Por qué? Before she says what she says, a thousand dollars on bullshit in a month.

• 1:05:30Speaker 03

  Yeah, no, I'm trying to remember what the late fee was for. I don't remember candidly. I have, I think, three total.

• 1:05:39Speaker 03

  I don't know.

• 1:05:40Caleb Hammer?

  Your eyelash is falling off your red eye.

• 1:05:43Speaker 04

  Inside corner.

• 1:05:45Caleb Hammer?

  Oh, it was, it was, it was last month. Uh, Best Buy, interactive software?

• 1:05:54Caleb Hammer?

  What'd you buy at Best Buy for $216.49?

• 1:05:58Speaker 03

  We replaced his controller and returned it.

• 1:06:00Speaker 04

  Yeah.

• 1:06:01Speaker 03

  No, we returned it, though.

• 1:06:03Speaker 04

  Yeah.

• 1:06:04Caleb Hammer?

  Okay, we didn't need to replace a controller. I'm glad you returned it. I'm sure you'll spend it on something else next. $30 and, or 30.74% interest rate, which by the way, they deferred interest not that long from now for the first one. So much interest is gonna hit this card. It's gonna boost it way above the, yeah.

• 1:06:20Speaker 03

  It hits in January.

• 1:06:21Speaker 04

  Yeah.

• 1:06:22Speaker 03

  It's $300 in January.

• 1:06:23Caleb Hammer?

  Oh, if it isn't a nice soul, affirm, Klarna, what else? Oh, Klarna, she's a Klarna girl. What's your Klarnie and Klarna girl? Tell you what it is, Amazon, Amazon, affirm. TPW?

• 1:06:37Speaker 03

  Fishing license.

• 1:06:38Caleb Hammer?

  Do we need a fishing license if we're complaining about not being able to put food on the table? Is that what the food on the table you're gonna get is fishing?

• 1:06:45Speaker 03

  No, but we have caught fish and eaten it.

• 1:06:47Caleb Hammer?

  Cause you're in Austin, where are you fishing? Lake Travis?

• 1:06:49Speaker 03

  Everywhere. Lake Travis.

• 1:06:51Caleb Hammer?

  You need a fishing license to fish on Lake Travis?

• 1:06:53Speaker 04

  You need a fishing license to fish anywhere.

• 1:06:55Caleb Hammer?

  That's true?

• 1:06:56Speaker 03

  Yes.

• 1:06:56Caleb Hammer?

  I've done a lot of a... No, I haven't. I've been... No. That was a long time ago in Michigan, anyway.

• 1:07:02Speaker 03

  And all water passes about forty bucks each.

• 1:07:05Caleb Hammer?

  Okay, this is a hobby, correct?

• 1:07:09Speaker 03

  Mm-hmm.

• 1:07:10Caleb Hammer?

  Okay. Why are we doing this if we can't put food on the table?

• 1:07:14Speaker 04

  Well, because if you get a fishing license, you can put food on the table.

• 1:07:18Speaker 03

  And is that what you're doing?

• 1:07:19Speaker 04

  It's not why it happened.

• 1:07:20Speaker 03

  We were on a trip with my parents to Corpus, and he had a buddy from high school who wanted us to go fish with them. He's a commercial fisherman, required us to have licenses.

• 1:07:29Caleb Hammer?

  When you couldn't put food on the table. Any chance five hundred dollar poles came with it?

• 1:07:34Speaker 03

  Yeah.

• 1:07:34Caleb Hammer?

  The answer would be, yeah. Pathetic. What is wrong with you?

• 1:07:39Speaker 03

  That was, um...

• 1:07:40Caleb Hammer?

  You can't... You said, "Oh, the credit cards are going up because we can't afford... We're just putting our necessities on it." We're putting our necessities on it. I have hundred dollars in fishing poles.

• 1:07:48Speaker 04

  The poles were actually inherited from her grandfather who passed away.

• 1:07:52Caleb Hammer?

  How'd you spend five hundred dollars on poles, though?

• 1:07:54Speaker 03

  So we fixed his rods and then we bought him...

• 1:07:57Caleb Hammer?

  When we're unemployed and we're dying.

• 1:07:59Speaker 03

  We... We had gotten the inheritance and it was like the week that I lost my job.

• 1:08:04Caleb Hammer?

  What, the pole fix?

• 1:08:05Speaker 04

  Yeah.

• 1:08:06Speaker 03

  Yeah, we fixed... So we fixed my grandpa's poles and then we got him fishing rods. And then the logic, which rightly...

• 1:08:15Caleb Hammer?

  A logic, because you go to Lake Travis now and use these poles to get some fish on the table.

• 1:08:18Speaker 03

  We have something we can do together when we're broke.

• 1:08:21Caleb Hammer?

  Carp? Not necessarily tasty, but it's everywhere and it is still protein.

• 1:08:25Speaker 03

  Yes, exactly.

• 1:08:26Caleb Hammer?

  And there's also catfish in there.

• 1:08:27Speaker 03

  We also grow a lot of our food, too.

• 1:08:29Caleb Hammer?

  What the fuck are we talking about? You're backing further and further away from what you're...

• 1:08:33Speaker 03

  We're... I'm trying... So we spend a lot on bullshit. That's part of the problem is like, I try and...

• 1:08:38Caleb Hammer?

  How much land do you have in Austin?

• 1:08:40Speaker 04

  We have a patio.

• 1:08:40Speaker 03

  We have a balcony and I grow...

• 1:08:43Speaker 06

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• 1:09:08Speaker 03

  Oh, no, but it's a 20-foot balcony.

• 1:09:10Caleb Hammer?

  Whoa, how much food are you growing? What are you growing?

• 1:09:13Speaker 03

  So we have tomatoes, jalapenos, onions, potatoes, blackberries, blueberries.

• 1:09:18Caleb Hammer?

  The rest of that's not gonna produce much.

• 1:09:20Speaker 03

  Carrots.

• 1:09:21Caleb Hammer?

  Carrots, maybe. Okay.

• 1:09:23Speaker 03

  And we have a community garden in our complex.

• 1:09:25Speaker 04

  Yeah, that has like apples, pears, plums.

• 1:09:28Caleb Hammer?

  Well, you better not eat it all. That's fucking not... Okay, listen, um, that's just an upcoming payment. Pull up your affirm for me.

• 1:09:37Speaker 03

  That's Klarna. Do you want to affirm?

• 1:09:38Caleb Hammer?

  Yeah, Klarna, great. So I know affirm's coming.

• 1:09:41Speaker 03

  Yeah, it is. It's worse.

• 1:09:43Caleb Hammer?

  Okay.

• 1:09:46Caleb Hammer?

  Why is your screen so nasty, creature? Eh, eh, just what are you doing, lady? Can't you just like, eh?

• 1:09:54Speaker 03

  Have you seen my skin? That's an impossible battle.

• 1:09:57Caleb Hammer?

  What? What's happening?

• 1:09:58Speaker 03

  It just...

• 1:09:59Caleb Hammer?

  You shedding?

• 1:10:00Speaker 03

  Pretty much.

• 1:10:01Caleb Hammer?

  Well, use lotion!

• 1:10:03Speaker 03

  I do daily for three hours. We have three-hour routine. Yes, it's like a whole fucking day.

• 1:10:07Caleb Hammer?

  You're broken. Why are you with her?

• 1:10:09Speaker 04

  Because I love her.

• 1:10:10Caleb Hammer?

  Okay.

• 1:10:11Speaker 03

  It wasn't like this six months ago either.

• 1:10:13Caleb Hammer?

  I guess. $319.83. Looks like you're monthly. Oh, because you got them all in like the 32% interest plan. $32.25.

• 1:10:26Caleb Hammer?

  Oh, so I'm just touching all your skin right now? This is nasty. Amazon, Walmart, TikTok. TikTok!

• 1:10:32Speaker 04

  You said I'm a...

• 1:10:32Caleb Hammer?

  TikTok! Huh?

• 1:10:34Speaker 04

  I said, and you said I'm a pussy. It's just dry skin.

• 1:10:37Caleb Hammer?

  Touching other people's dead skin?

• 1:10:40Speaker 03

  It's not a choice.

• 1:10:40Caleb Hammer?

  That's being a pussy?

• 1:10:42Speaker 04

  Yeah.

• 1:10:43Caleb Hammer?

  Putting it on my fingers?

• 1:10:45Speaker 04

  Yeah.

• 1:10:45Caleb Hammer?

  Other people's dead skin?

• 1:10:47Speaker 04

  Yeah.

• 1:10:48Speaker 03

  Moving on to... I'd rather be yelled at by TikTok. So... That purchase, um, specifically, I can only wear certain fabrics and stuff.

• 1:10:58Caleb Hammer?

  Of course you can.

• 1:10:59Speaker 03

  We got them from, uh, if you look at it, it's all shirts from this one company that, uh, like it's a certain like fabric that we've know that I can wear and so it's all that.

• 1:11:09Caleb Hammer?

  I'm just brushing around the skin right now.

• 1:11:12Speaker 03

  You want me to wipe it off for you?

• 1:11:14Caleb Hammer?

  That's kind of fucking stupid, I'll be honest, but what's not is actually getting a checking account that gives you free money. Free money, we like free money. You can get up to $200 in bonus cash right now when you sign up for the checking account that I use. Chime. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Odd and get free money at the same time. Who would have thought? That's incredible. Check it out. Link in the description below. Stop bleeding out money, making minimum payments across multiple high interest accounts. Most Americans are spending hundreds, sometimes thousands of dollars that could be going toward actually paying down debt instead of lining some banks' pockets.

• 1:11:56Caleb Hammer?

  And look, if you're sitting on high interest credit card debt, a car loan at 18%, or, oh my goodness, a payday loan charging you triple-digit interest rates. You need to hear this. If you've already cut up the cards and built better financial habits, but you're still drowning in interest payments, barely making progress, this is for you. I have opened my very own marketplace, a personal loan marketplace that lets you get personalized offers from multiple lenders in one place. You can see if you pre-qualify in minutes and it won't impact your credit score. But here's the deal, this isn't a magic bullet. If you refinance your debt but keep swiping, you're just making the problem worse.

• 1:12:37Caleb Hammer?

  You still need to fix the behavior that screwed you in the first place, but if you're serious about getting out of debt faster, you could potentially lower your monthly payment by securing a single payment at a much better rate. Check out the link in the description below to see your personalized offers or go to CalebHammer.com and remember, you've still gotta do the work. But do you need this many shirts is the question, because you are getting that.

• 1:12:59Speaker 03

  Because I'm, I'm.

• 1:13:00Caleb Hammer?

  Yeah, you're getting a lot of shirts and also paddleboards.

• 1:13:05Caleb Hammer?

  All shirts, all shirts. All shirts, paddleboards.

• 1:13:10Speaker 03

  Well, that was-

• 1:13:10Caleb Hammer?

  You don't need paddleboards.

• 1:13:12Speaker 03

  No, I, I, I agree with you.

• 1:13:14Caleb Hammer?

  Well, you agree with me, then you're good. As I got some sage, does that make your skin better?

• 1:13:17Speaker 03

  That was vanilla bean.

• 1:13:19Caleb Hammer?

  Are you cutting off your skin? There's an air pump. Gotta get it for the paddleboards probably, and then a lot of shirts. Do you need all that? Well, you're Amazon.

• 1:13:27Speaker 03

  Yeah. The shirts are the one that you see on Klarna though.

• 1:13:30Caleb Hammer?

  Yeah, how many do you need?

• 1:13:32Speaker 03

  Um, go through them.

• 1:13:33Caleb Hammer?

  One thing in the cart, what's she thinking about?

• 1:13:37Caleb Hammer?

  You don't need more fake jewelry.

• 1:13:38Speaker 03

  I didn't buy it.

• 1:13:40Caleb Hammer?

  It's in the cart. It's a dangerous place. Okay, well, you got, yeah, a lot of makeup shit, a lot of makeup, a lot of makeup shit. Injection pain relief.

• 1:13:51Speaker 03

  It's for when I get my treatment.

• 1:13:54Caleb Hammer?

  That one's actually fair. Cat stuff that's fair, you got a fish oil, aren't we fishing already, guys? What are we doing? That was canceled, thank goodness. Gloves. With skin?

• 1:14:04Speaker 03

  Yeah.

• 1:14:05Caleb Hammer?

  Okay.

• 1:14:07Speaker 03

  It's for the cats.

• 1:14:08Caleb Hammer?

  Okay, now there's too much cat stuff. You're getting too many toys. If you can't afford to put food on the table, we're not getting that many toys.

• 1:14:14Speaker 03

  Yeah.

• 1:14:14Caleb Hammer?

  Way too many things, guys, we're getting, how many gloves do we need?

• 1:14:17Speaker 03

  I have, a lot, um, I have a-

• 1:14:19Caleb Hammer?

  What, why?

• 1:14:19Speaker 03

  I think you're back-

• 1:14:20Caleb Hammer?

  You don't need kitchen aprons.

• 1:14:22Speaker 03

  Um, I think that you're back past-

• 1:14:24Caleb Hammer?

  You don't need kitchen aprons.

• 1:14:25Speaker 03

  No, I agree, I think you're back past when I lost my job.

• 1:14:27Caleb Hammer?

  Even still, this is insane, you guys didn't have a fully funded emergency fund?

• 1:14:30Speaker 03

  We do, we, we did at the time.

• 1:14:32Caleb Hammer?

  Not fully funded? Twelve, twelve is enough? I don't think so. If you're not able to survive right now for $4,000, and twelve was not enough for a fully funded emergency fund. That math's not mathin'. Your rental loan's 1,800 bucks. Which is crazy, by the way.

• 1:14:45Speaker 03

  Yeah.

• 1:14:45Caleb Hammer?

  But he wasn't working that entire time and you allowed to have a $1,800?

• 1:14:50Speaker 03

  Well, I paid all of that myself, fine.

• 1:14:53Caleb Hammer?

  Also, why do you say it's a three hour routine to make it sound worse when you told pre-production earlier that it was an hour routine?

• 1:14:58Speaker 03

  Well, I do it multiple times a day.

• 1:15:00Caleb Hammer?

  So, three times a day? Oshin, are you gonna do it in the post-show? Please don't.

• 1:15:03Speaker 03

  No.

• 1:15:05Caleb Hammer?

  Okay, give, give me that affirm, which is where all the Amazons, which was honestly mostly bullshit. And being honest, there's a couple of things, then the medical thing was good. Uh, cat food, I understand. Endless amount of gloves and cat-

• 1:15:17Speaker 06

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• 1:15:42Caleb Hammer?

  Toys and aprons and bullshit and bullshit and bullshit.

• 1:15:44Speaker 03

  The gloves are for my skin.

• 1:15:45Caleb Hammer?

  $1,289. No, you have like a thousand pairs of them.

• 1:15:47Speaker 03

  This is bad.

• 1:15:48Caleb Hammer?

  $1,289.95. Okay, and I'm trying to figure out the minimum. Ew! Ah, man.

• 1:15:57Speaker 03

  Do you want me to wipe it off?

• 1:15:58Caleb Hammer?

  Why didn't you do it now?

• 1:16:00Speaker 03

  Because I forgot. We're just...

• 1:16:03Caleb Hammer?

  I'm trying to figure out... You can tell I don't use these apps. Shit, man. The only times I do is on the show. I'm afraid if you touch it, it'll get nastier.

• 1:16:15Caleb Hammer?

  Okay, I'm trying to get to like your purchases or something. Okay. Wait, wait, wait, wait!

• 1:16:23Speaker 03

  It's at the bottom on the homepage.

• 1:16:25Caleb Hammer?

  Card?

• 1:16:26Speaker 03

  It would be under like manage.

• 1:16:28Caleb Hammer?

  Manage?

• 1:16:28Speaker 03

  Yeah.

• 1:16:29Caleb Hammer?

  That makes sense.

• 1:16:31Caleb Hammer?

  Okay, and your minimums. Okay, okay, okay, okay. $231.13. Okay, good.

• 1:16:40Caleb Hammer?

  Oh, we have an Amazon card on top of it. Great. Why do you have all the credit cards and he has nothing?

• 1:16:45Speaker 03

  He doesn't have credit. His credit was a four, according to Lindsay. I found that out before the show.

• 1:16:50Caleb Hammer?

  What is wrong with you in life? You suck.

• 1:16:54Speaker 04

  Yeah.

• 1:16:54Caleb Hammer?

  You suck. Go live in a cave.

• 1:16:57Speaker 03

  He'd probably love that.

• 1:16:58Caleb Hammer?

  Yeah, he has the brain of somebody who lives in it.

• 1:17:01Speaker 04

  Honestly, I would prefer to live in the ruins.

• 1:17:02Caleb Hammer?

  Couldn't have your Apex there, though, buddy.

• 1:17:04Speaker 04

  That's fine. I could have real life Apex.

• 1:17:07Caleb Hammer?

  Then go work a second job.

• 1:17:09Speaker 04

  Why would I work a second job if I'm living in a cave?

• 1:17:11Caleb Hammer?

  For more money because you're on unemployment and your maybe in the future wife can't work.

• 1:17:17Speaker 04

  That's why I'm trying to own a business.

• 1:17:19Caleb Hammer?

  Oh, buddy, owning a business means money and shit, dude. Oh, he's

• 1:17:23Speaker 04

  I got a long way.

• 1:17:26Caleb Hammer?

  That just meant he is so, he is so if he thinks that's his way out, businesses take forever to actually be able to bring home a decent profit forever.

• 1:17:33Speaker 04

  I said, my boss says he's been at it for a year and a half and he's bringing home like 200 grand at the end of the year.

• 1:17:40Caleb Hammer?

  That's why it sounds like an MLM because everyone has all these sales techniques to try to get you to do it.

• 1:17:45Speaker 03

  Yeah.

• 1:17:45Caleb Hammer?

  Then the commission thing is kind of weird.

• 1:17:47Speaker 03

  And it's weird that it was 1300 when you first started and now it's like, well, 500 on bad weeks. It's like, well, that doesn't help me manage the budget.

• 1:17:56Caleb Hammer?

  Yeah. Yeah. Okay. So $1,474.84 minimum monthly payment, $80.31. $33 of interest fees being added. Why? Purchasing on a card that we can't pay off that takes seven years to pay off.

• 1:18:10Speaker 03

  We had to put the car on it.

• 1:18:12Caleb Hammer?

  Huh?

• 1:18:13Speaker 03

  We, we.

• 1:18:13Caleb Hammer?

  Your vehicle from drive, drive?

• 1:18:15Speaker 03

  We had, not, not the whole purchase.

• 1:18:17Caleb Hammer?

  No, it was Prime Video, Prime Video.

• 1:18:19Speaker 03

  Oh.

• 1:18:20Caleb Hammer?

  We're adding movies and getting Prime Video when we can't put food on the table according to you. Ah, ah? Someone please inform me, inform me. I must be, because I'm confused.

• 1:18:33Speaker 04

  This better be entertained and broke than just broke.

• 1:18:36Caleb Hammer?

  But you wouldn't be as broke if you weren't spending as much money on entertainment. Also, you already have Apex, so it's free.

• 1:18:42Speaker 03

  We also have all of our family subscriptions to every other platform.

• 1:18:47Caleb Hammer?

  Oh, buddy, stop. You guys suck.

• 1:18:51Caleb Hammer?

  I mean, told you're resentful about his job situation. Why? And that you want to go back to school or fund one of your businesses. What if again, I don't think you can handle either of those.

• 1:19:01Speaker 03

  I do that on the side of a full-time job that that's not like something. Um, when we were on our like interview thing, um, he had said that we didn't know that it was rented. He hadn't asked his boss. He was saying that there was a down payment and like we would pay for a van. And I was like, out of all the things, like I've designed my own card game, like I've, we've done a lot that I would love to invest in, that we've talked about investing in. And we're not. And then it's like, I'd love that you finally found something, but.

• 1:19:33Speaker 03

  I mean, it's not like you've been attempting to have a business this whole time and it's, I want to support you, but I also want you to support other things too. Not now when we don't have money, but like, you know, for the last three years, you've watched me try to start businesses and basically like that was just not an option of something you participated in, you know, or like wanted a part in or invested in with me or anything. So I am a little, I want to support you no matter what. I want you to be successful because I need you to be successful so we can have a future, but also, yeah, it kind of sucks that we're, I'm gonna full support you in this and of course I'm going to, and it's not, doesn't go the other way.

• 1:20:15Caleb Hammer?

  Builds and builds and builds and blows up though, because that's a new reason. I mean, he's only just found this thing.

• 1:20:20Speaker 03

  Then we end up on financial audit.

• 1:20:22Caleb Hammer?

  No, because that hasn't happened yet. This resentment's barely started. You own sort of thousand businesses. You have your card thing that you talked about. Uh, you got a plant selling thing, a stained glass company?

• 1:20:35Speaker 03

  No, no, it wasn't.

• 1:20:37Caleb Hammer?

  You're doing everything that everyone already does. Why can't you do something new in the marketplace that hasn't been done? So new card game every 30 seconds.

• 1:20:44Speaker 03

  It, it's like a journaling, it's supposed to be to help with therapy. It was, I actually designed it to get him to help, like to talk, to, for us to be able to talk. No, he hasn't played it. We haven't played it at all since it was produced. Actually.

• 1:21:00Caleb Hammer?

  Baby's not doing business then. A child, you're in debt child support.

• 1:21:06Speaker 04

  Yeah.

• 1:21:07Caleb Hammer?

  What the?

• 1:21:08Speaker 04

  Yeah, there was a good solid four years that I was fucking off and not doing shit. But I have started paying it back.

• 1:21:16Caleb Hammer?

  What's the monthly requirement for this?

• 1:21:18Speaker 04

  I think the monthly requirement.

• 1:21:20Speaker 03

  What we agree with, with his mom.

• 1:21:21Speaker 04

  Yeah.

• 1:21:22Caleb Hammer?

  No, uh, uh, well, no, no, the one on his credit. The one on his credit from the court.

• 1:21:28Speaker 04

  I think it's like a hundred and something.

• 1:21:31Caleb Hammer?

  Brother.

• 1:21:32Speaker 04

  But I'd typically have been paying two.

• 1:21:35Caleb Hammer?

  Well, let's just do the minimum. That doesn't make sense to do more. He owes in back child support, 12,891. You're a degenerate piece of shit.

• 1:21:43Speaker 04

  Yes.

• 1:21:44Caleb Hammer?

  What the fuck is wrong with you? What's wrong with him?

• 1:21:47Speaker 04

  There was a brief period of time. Well, I wouldn't say brief.

• 1:21:50Caleb Hammer?

  Say, I'm not gonna ask questions, so say as much as you'd like to about it.

• 1:21:53Speaker 04

  Uh, I was just doing a lot of bad things with a lot of bad people.

• 1:21:59Caleb Hammer?

  Okay, it's as deep as you'll go. Okay.

• 1:22:01Speaker 04

  Yeah.

• 1:22:02Caleb Hammer?

  Well, you still spend $250 a month at the convenience store on cigarettes and energy drinks.

• 1:22:06Speaker 04

  Yeah.

• 1:22:06Caleb Hammer?

  Yeah, maybe that should go to your back child support. You failure.

• 1:22:10Speaker 04

  Yeah. I have paid off a lot of it to my mother.

• 1:22:15Caleb Hammer?

  Great. Well, I hear about this one on your credit.

• 1:22:17Speaker 03

  I talked to your mom yesterday and she said that that's already been deducted from this total. Minus the like thousand that like we've paid from the budget that I made.

• 1:22:31Speaker 03

  Yeah, the the the lump sum payment that you've been telling me about that apparently is already out of that amount.

• 1:22:38Caleb Hammer?

  Wait, what do we owe our parents? Eight thousand five hundred ninety five? Is that that?

• 1:22:41Speaker 03

  No, that's part of the car.

• 1:22:43Caleb Hammer?

  It's additional? The car? What car?

• 1:22:47Speaker 03

  So I had a car when I entered the relationship that was paid off. He got T-boned by a driver who ran a red light in the car. It was an insurance total.

• 1:22:58Caleb Hammer?

  Why are you with this fucking guy, dude?

• 1:23:00Speaker 03

  No, it wasn't his fault. They were drunk or sleeping or whatever.

• 1:23:02Caleb Hammer?

  Everything else is though, which is insane.

• 1:23:04Speaker 03

  But we tried to get it as close to like the insurance payout as possible. We were about like two grand off. So my parents let us loan it from them versus a bank with interest and stuff to help us out.

• 1:23:14Caleb Hammer?

  Good. Yeah. So do you have a minimum for this eight thousand five hundred ninety five?

• 1:23:18Speaker 03

  No, they they said they would love progress on it and we they know we're here and like the the goal is to come up with a plan that we can present to them. We've paid off.

• 1:23:29Caleb Hammer?

  You spent a thousand on bullshit last month. Like, it doesn't work.

• 1:23:34Speaker 03

  Then that's why we're here.

• 1:23:37Speaker 03

  It's just, yeah, so two grain of it is bills. There's a line item somewhere.

• 1:23:43Caleb Hammer?

  Bills. Good shit. Well, you spent a thousand dollars a month on bullshit.

• 1:23:46Speaker 03

  The car bill is the two.

• 1:23:48Caleb Hammer?

  This is so stupid. It's so pointless. You didn't you didn't need to be in the situation. Not as at least not as bad as you are now.

• 1:23:54Speaker 03

  Yeah.

• 1:23:55Caleb Hammer?

  And you should work two jobs. And yes, you should go back to fast food if you need to get another job. You pathetic worm. Tax guy. Three hundred fifty bucks?

• 1:24:03Speaker 03

  I got a three.

• 1:24:04Caleb Hammer?

  Pay him up front? You owe him the back?

• 1:24:06Speaker 03

  No, yeah, it's it's back.

• 1:24:08Caleb Hammer?

  You have a minimum with him? There's this lump sum.

• 1:24:12Speaker 03

  It's just 350.

• 1:24:13Caleb Hammer?

  Dude, why didn't you pay him?

• 1:24:14Speaker 03

  It was for a three grand. It's due now.

• 1:24:16Caleb Hammer?

  You hired his services. Why didn't you pay him?

• 1:24:18Speaker 03

  Yeah, it's due. It's due now. It's not that I'm not-

• 1:24:20Caleb Hammer?

  Why do you need a tax guy, W2?

• 1:24:22Speaker 03

  Uh, because I have a lot of things that are written off from the contracting and stuff.

• 1:24:28Caleb Hammer?

  What contracting?

• 1:24:29Speaker 03

  Um, so like any marketing clients I pick up or anything like that.

• 1:24:33Caleb Hammer?

  How much money did you make from that?

• 1:24:35Speaker 03

  Last year, probably maybe 10 grand? It wasn't bad.

• 1:24:41Caleb Hammer?

  Okay, well more of that.

• 1:24:44Speaker 03

  Yeah, I'm working on that. I have all my own-

• 1:24:46Caleb Hammer?

  And then you have a payday loan, Mason.

• 1:24:49Speaker 04

  Yes.

• 1:24:50Speaker 03

  I didn't know about that.

• 1:24:52Speaker 04

  Eight years ago or some shit.

• 1:24:53Caleb Hammer?

  In our collections?

• 1:24:55Speaker 04

  I have no idea.

• 1:24:55Caleb Hammer?

  Cause from eight years ago, would it be? Well, you just said it. We didn't see it?

• 1:24:59Speaker 04

  No, I, yeah, I have-

• 1:25:00Speaker 03

  He said it in the phone call yesterday. I have never heard about it before.

• 1:25:03Caleb Hammer?

  But we've never seen it.

• 1:25:04Speaker 04

  Yeah.

• 1:25:06Speaker 03

  Didn't show up in his credit either.

• 1:25:08Caleb Hammer?

  Your credit score is actually four?

• 1:25:10Speaker 04

  Yeah.

• 1:25:11Speaker 03

  I didn't know that was possible.

• 1:25:13Speaker 04

  I didn't either, honestly.

• 1:25:17Caleb Hammer?

  What? That's insane.

• 1:25:22Caleb Hammer?

  You suck at everything involving life.

• 1:25:25Speaker 04

  Yes, I can agree to that. But not everything. I still think I'm a pretty decent Apex player.

• 1:25:31Caleb Hammer?

  Take that off again?

• 1:25:33Speaker 03

  No.

• 1:25:36Speaker 04

  What?

• 1:25:37Caleb Hammer?

  Take it off again?

• 1:25:38Speaker 04

  What?

• 1:25:39Caleb Hammer?

  You're just-

• 1:25:39Speaker 04

  No, no.

• 1:25:40Caleb Hammer?

  Oh, shit, okay.

• 1:25:43Speaker 04

  Yeah, literally everything except Apex.

• 1:25:46Speaker 03

  I don't, I'm not sure you're as good of an Apex player as you think.

• 1:25:49Speaker 04

  I was thinking about it, but it's so much worse.

• 1:25:51Caleb Hammer?

  Finish your thinking and do it.

• 1:25:52Speaker 04

  So much worse.

• 1:25:53Caleb Hammer?

  It is not.

• 1:25:54Speaker 03

  We have done it before. It is worse.

• 1:25:55Caleb Hammer?

  It is not.

• 1:25:57Speaker 03

  It feels worse.

• 1:25:58Caleb Hammer?

  It is not. You guys are just used to that.

• 1:26:00Speaker 03

  That could be true.

• 1:26:01Caleb Hammer?

  It is not. It is actually four. That is an actual screenshot. His credit score is four. That's crazy. I've never seen that before. That is crazy.

• 1:26:11Speaker 03

  How do we even fix that?

• 1:26:14Speaker 04

  I didn't even know I had that.

• 1:26:15Caleb Hammer?

  Yeah, I'm gonna make you call the parents in the post-show and I want to hear their perspective here. This is fucking insane. And here's the checking account. It's all bullshit spending. Who's Wells Fargo?

• 1:26:24Caleb Hammer?

  Who's Wells Fargo? What the fuck is wrong with you? If you're the one crying to me-

• 1:26:27Speaker 03

  All of our money comes out of my, my accounts-

• 1:26:29Caleb Hammer?

  So-

• 1:26:30Speaker 03

  -on the cards and stuff.

• 1:26:30Caleb Hammer?

  If you're the one crying that you can't get food on the table, crying that you're blowing through the 12 because of life's necessities, fuck you! Half price books? Go fuck yourself!

• 1:26:41Speaker 03

  No, I sold those, so I-

• 1:26:43Caleb Hammer?

  Don't give a f- You spent the money regardless. You're the one that chose to select the card. Shut the fuck up for a second. Netflix, Amazon, Door Dashing Subway, it was all groceries, she said earlier. I said we'd see fifty dollars to Door Dash Subway. Uh huh! Home Depot, twenty-seven bucks. Michael Stores, you have to do that, twenty-five dollars? Fuck you. Home Depot, Home Depot, Door Dashing. There was actually groceries, fifty bucks, paying extra for it, by the way, to do that. Ultra Human, Home Depot, going there all the time. Door Dashing, double- Double, Double Place, one hundred fifty bucks, looks like a restaurant. Apple Cash and Pink Cherry Nails.

• 1:27:26Caleb Hammer?

  We're going to getting our nails did when we're draining our emergency fund.

• 1:27:29Speaker 04

  That's actually a necessity.

• 1:27:32Caleb Hammer?

  No?

• 1:27:32Speaker 04

  No, yes, it is actually a necessity.

• 1:27:34Caleb Hammer?

  Hey, go kill yourself in Minecraft. That, you're- That's not, she can do a little-

• 1:27:40Speaker 03

  No, I can't. It'll turn my nails green. We did that.

• 1:27:42Caleb Hammer?

  Okay, you don't need nails then. You're unemployed. Shut the fuck up.

• 1:27:46Speaker 03

  No.

• 1:27:46Caleb Hammer?

  This is not an emergency for survival. You know what emergencies are for survival?

• 1:27:50Speaker 04

  It is a necessity.

• 1:27:51Speaker 03

  Listen, just, just, it's not what you're really-

• 1:27:53Speaker 04

  When she doesn't have nails on, she will like gouge her skin open-

• 1:27:58Speaker 03

  My skin's so fragile.

• 1:27:58Speaker 04

  Because of her skin being as fragile as it is.

• 1:28:01Caleb Hammer?

  Then stop edging!

• 1:28:02Speaker 03

  I can't!

• 1:28:03Caleb Hammer?

  Yes, you can.

• 1:28:04Speaker 03

  No, no. I can't.

• 1:28:06Caleb Hammer?

  Oh my gosh. Dude, people with OCD get their behaviors under control with coping mechanisms.

• 1:28:10Speaker 03

  It's not-

• 1:28:10Caleb Hammer?

  You are not the only person in the world that has that struggle.

• 1:28:13Speaker 04

  That's what the nails are, is the coping mechanism, so it doesn't tear her skin up.

• 1:28:18Speaker 03

  Could it be cheaper? Absolutely.

• 1:28:19Speaker 04

  Yes, wear gloves.

• 1:28:21Caleb Hammer?

  All day. I don't know. You're not the only person that deals with the bad habits.

• 1:28:25Speaker 03

  It's not just, it's the skin. It's not.

• 1:28:27Caleb Hammer?

  I know.

• 1:28:29Caleb Hammer?

  Isn't it bad to scratch it regardless?

• 1:28:31Speaker 03

  Yes.

• 1:28:31Caleb Hammer?

  So stop.

• 1:28:32Speaker 03

  I'm trying. It's hard.

• 1:28:34Caleb Hammer?

  You need acrylic, but you don't need the fancy designs.

• 1:28:38Speaker 03

  That is true. I could.

• 1:28:39Caleb Hammer?

  So stop with the stupid spending. You're in emergency mode. Amazon, Amazon, DoorDash, DoorDash, and Chick-fil-A. Oh, we were going through grocery. Fuck you. Amazon, Amazon, Amazon, Ring Multi Plan. And maybe.

• 1:28:57Speaker 03

  We had a bunch of break-ins in our complex, though.

• 1:29:00Caleb Hammer?

  Well, great. You're spending eighteen hundred bucks for that. Move.

• 1:29:04Speaker 03

  Yeah.

• 1:29:04Caleb Hammer?

  DoorDash, she rambles again, but you're paying a premium for it. Then DoorDash, she Chick-fil-A. Amazon Prime Video, TikTok Shop. Oh, and there's more nails getting did. Pizza Hut, TikTok Shop, Prime Video, Uber N.

• 1:29:20Speaker 03

  That was to the vet for an emergency.

• 1:29:21Caleb Hammer?

  It's all bullshit. Except for that. It's all bullshit. You, are you Chase?

• 1:29:26Speaker 03

  We're both Chase.

• 1:29:27Speaker 04

  Oh, yeah, we're both.

• 1:29:27Caleb Hammer?

  Eighty-six dollars in here.

• 1:29:30Speaker 03

  That's probably mine, then.

• 1:29:31Caleb Hammer?

  We're getting like, I don't know what this change thing is. It's highlighted, though.

• 1:29:35Speaker 03

  It's our savings. So he didn't actually know. The only way that I.

• 1:29:39Caleb Hammer?

  Brightcom. Oh, wait, bringit.com.

• 1:29:43Speaker 03

  Bridget. That was like a short-term loan, but we don't use that anymore.

• 1:29:47Caleb Hammer?

  Oh, I hope not, because that just happened. And we're overdrafting multiple times this year so far. No shock. I don't know why we would have money going into savings if we're overdrafting. Stupid. And is this the savings? No, but this checking account ended with negative four dollars and seventy-four cents. But we went to Jessica Hollis Park, and we went to McDonald's and Academy Outdoor Sports. Hundred dollars when we're literally negative in the checking account. Oraring Inc. Oraring? Oraring?

• 1:30:18Caleb Hammer?

  Boring. No, cancel the membership.

• 1:30:20Speaker 03

  I have to have one. That, no, I don't have to have one. It was recommended by my doctor and we tracked my flares through it. He wanted one. And so he got it.

• 1:30:28Caleb Hammer?

  Cancel that one, you dumbass.

• 1:30:31Speaker 03

  He's not even active. He just wears it.

• 1:30:32Caleb Hammer?

  Good. And then what's the point? Etsy? That's not necessary. Bullshit, bullshit. Chick-fil-A. That's not necessary. That's not doctor recommended. Stopping inside, getting bullshit. Apple. Shell. Yeah, you're stopped and got some bullshit. Etsy. Audible. OpenAI ChatGPT. Parchment University Docs. It might be, but no one's in school.

• 1:30:53Speaker 03

  That was my, that was for me looking into going back to school. I needed my, I needed my, um.

• 1:30:59Caleb Hammer?

  Goodwill. Stopping in, getting some bullshit. Your energy drink bullshit? Stop. Gamer Subs. Forty cents a serving with my discount code. That one's free. Get your free samples, figure out what flavor you like with code Caleb. Then get that. Gamer Subs for free. Well, for forty cents saving, serving. Instead of stopping in and getting a bullshit like he did for three dollars eighty-nine cents. Three dollars eighty-nine cents. At Starbucks. Bullshit. Bullshit, bullshit. Apple Cash. Bullshit. Piece of shit.

• 1:31:30Caleb Hammer?

  Fourteen dollars in this. What's savings at? I don't see savings.

• 1:31:33Speaker 03

  So it's in the.

• 1:31:34Caleb Hammer?

  What's retirement? Where's savings? I don't see shit.

• 1:31:35Speaker 03

  We don't have savings left over like after we've lost our jobs, like in our actual accounts, but this is.

• 1:31:42Caleb Hammer?

  What do you have? Just tell me a number.

• 1:31:43Speaker 03

  I'm looking at it.

• 1:31:45Caleb Hammer?

  I'll get you both Core School Career Certifications so you can definitely get on a better career path.

• 1:31:49Speaker 03

  I don't know what his is at because I just set it up on his phone and I haven't looked at it, but mine's at three hundred and thirty.

• 1:31:57Caleb Hammer?

  And retirement?

• 1:31:58Speaker 03

  I have one 401K that was active for three months and I haven't gotten it from.

• 1:32:03Caleb Hammer?

  You guys are so.

• 1:32:04Speaker 03

  Yeah.

• 1:32:06Caleb Hammer?

  Five hundred forty-four dollars and sixty-nine cents is your minimum. There's no car payment, correct?

• 1:32:12Speaker 03

  No.

• 1:32:12Caleb Hammer?

  Okay, your rent's eighteen hundred?

• 1:32:14Speaker 03

  Mm-hmm.

• 1:32:14Caleb Hammer?

  All utilities plus internet?

• 1:32:16Speaker 03

  Uh.

• 1:32:17Caleb Hammer?

  Combined, how much?

• 1:32:20Speaker 03

  Maybe 380.

• 1:32:23Caleb Hammer?

  Gas, vroom vroom, drive, drive.

• 1:32:25Speaker 03

  Uh, usual, well, with his new job, probably about 200.

• 1:32:28Caleb Hammer?

  For both?

• 1:32:29Speaker 03

  We only have one car.

• 1:32:30Caleb Hammer?

  Car insurance, how much?

• 1:32:31Speaker 03

  Uh, 130.

• 1:32:33Caleb Hammer?

  Car bill, uh, phone bill?

• 1:32:35Speaker 03

  Uh, we don't pay, no, that's on our parents.

• 1:32:38Caleb Hammer?

  Six, uh, she'll be able to do actually 500 groceries, you gotta cut it tight. Co-pays monthly basis, anything?

• 1:32:43Speaker 03

  Um, 120 for him.

• 1:32:46Caleb Hammer?

  You?

• 1:32:48Speaker 03

  60 for me.

• 1:32:50Speaker 03

  And the rest, my parents are helping me cover for the flowers.

• 1:32:53Caleb Hammer?

  Subscriptions, try 20, you gotta cut it to basically one. You have pets?

• 1:32:57Speaker 03

  We're gonna keep.

• 1:32:57Caleb Hammer?

  Yeah, you have cats, how much?

• 1:32:58Speaker 03

  Or, we have three.

• 1:33:01Caleb Hammer?

  Three?

• 1:33:02Speaker 03

  No, it gets worse. We have four snakes, three cats, and a fish tank.

• 1:33:05Caleb Hammer?

  Okay, 100, 150 for the cats for pet insurance, because you can't afford an emergency.

• 1:33:09Speaker 03

  We have $90 pet insurance for all three of them.

• 1:33:11Caleb Hammer?

  Is it good enough?

• 1:33:12Speaker 03

  Yes.

• 1:33:12Caleb Hammer?

  Yeah.

• 1:33:13Speaker 03

  It covers all three of them and.

• 1:33:14Caleb Hammer?

  90, how much for cat food, or pet food across the board?

• 1:33:17Speaker 03

  74 dollars every two months. And, oh, all across the board, then it would be 50 dollars for the snakes each month.

• 1:33:26Caleb Hammer?

  Is on top of that, on top of the 74 every two?

• 1:33:29Speaker 03

  Ye- yes.

• 1:33:30Caleb Hammer?

  Okay, I'll just call 75, uh, call it like 85.

• 1:33:33Speaker 03

  Okay.

• 1:33:34Caleb Hammer?

  Okay, no, let's call it 90. So...

• 1:33:39Caleb Hammer?

  Anything else that needs to be in this budget that I have not done?

• 1:33:43Speaker 03

  Hmm, um...

• 1:33:49Caleb Hammer?

  Like gym?

• 1:33:51Speaker 03

  No, we have a gym through our complex. Um, let me, I'm pulling up my budget, hold on.

• 1:33:57Caleb Hammer?

  Okay, we have...

• 1:34:01Caleb Hammer?

  Okay, well, right now, obviously, you make 2,500 a month, which is nothing.

• 1:34:05Speaker 03

  Oh, his, uh, health insurance, and my health insurance, not the co-pays. Um, his health insurance is 95 dollars a month, mine is 130. My dental is 12, his got canceled.

• 1:34:19Caleb Hammer?

  Yeah, so I mean, your budget is likely going to be around 4,200 bucks a month then.

• 1:34:23Speaker 03

  That's yeah.

• 1:34:24Caleb Hammer?

  With insurance, you unemployment, I mean, you technically don't only break even, stop shaking your leg. You have an extra couple hundred bucks, 300, but that's done in two weeks. So food stamps will help cover the food bill, but that's not going to be enough to actually your rent's way too expensive. Just hopefully, if you're actually disabled, which again, I'm just not even going to comment on. If you are, hopefully they approve you because that's what it's for and you make enough to make break even. But you guys just need to focus on breaking even, then you can go through bankruptcy or something. I don't know because right now it's just like, once unemployment is done and if you don't get on disability, you guys will just be negative completely and it's not really a thing.

• 1:35:09Caleb Hammer?

  So the advice is the reality is you need to go get a second job. You're working an 80 hours a week minimum because bills have to be paid and you're doing DoorDash as much as you can.

• 1:35:16Speaker 03

  I yep, I'm working on it.

• 1:35:18Caleb Hammer?

  And that's it. And you just, and you might just want to declare bankruptcy. You might be able to have the, you need to stop spending on the credit cards. But if you guys don't double your income, which is pretty much the only path, which means you double working or getting better at sales or you doing something you can do, but I'm just not going to comment on it. I said, no, it makes it impossible. There's just nothing.

• 1:35:42Caleb Hammer?

  So meal prepping, meal planning. Yeah, we're on a tight budget as quick as possible, but you need to go work two jobs. You need to work as much as you can in between flares. Are you? I don't know, but I can't comment on it. So that's it. That's it.

• 1:36:00Caleb Hammer?

  Sorry. And bankruptcy might be a good thing, but only if you change your behavior for a few months and prove it. Or else you'll end up back in the situation in a few months.

• 1:36:07Speaker 03

  It won't knock off my parents either, huh?

• 1:36:10Caleb Hammer?

  Nope, but that one doesn't have a minimum payment. Your minimum payments are why you can't survive right now.

• 1:36:15Speaker 03

  Okay.

• 1:36:16Caleb Hammer?

  All right. Listen, we're going to call the parents to get their perspective in the post show, but let's go, let's get the same financial score first. We'll get you all the resources again to try to help with all this, but listen, right now is you just need to go work. That's it. You got nothing for you, just, well, I can't even comment, so. Not informed enough. Spending in a budget. You overspent. Zero out of 10 debt, family debt, collections and shit. Okay, zero out of 10. Emergency funds, nothing anymore. Zero out of 10 retirement, definitely nothing. Zero out of 10 real estate, nothing. Zero out of 10 Hammer Financial Score, zero out of 10, as you predicted. Get yours at calebhammer.com. Now click that join button. Join the best membership on YouTube. Three premium shows posted every single day, six days a week called Hammer Elite, where you get to watch an extra 20 minutes of this episode where we're going to call the parents, get their

• 1:37:00Caleb Hammer?

  perspective called The Financial Auto Show. See you there. Call the parents.

• 1:37:04Speaker 03

  Going through? They don't know what? Any of this.

• 1:37:06Caleb Hammer?

  They're struggling, right? They're struggling. You have to help, right? No. So. I heard mom say no in the background. Have you ever [bleep] up in your life?

• 1:37:15Speaker 03

  With my choice in men.

• 1:37:17Caleb Hammer?

  That's crazy. That's actually a crazy [bleep] answer.

• 1:37:20Speaker 03

  Are you really thinking, are you really at your breaking point where you might leave this relationship?

• 1:37:25Caleb Hammer?

  I just launched the brand new Hammer Elite app available on every major platform. To celebrate the app launch, I'm offering 30% off the annual plan in the month of June only. Plus, I have an exclusive offer just for you. But I'll only have a thousand available to purchase. You'll get lifetime access to the entire Hammer Elite catalog and my Hammer for Life box packed with limited edition merch. Download the Hammer Elite app by using the link in the description or pinned comment down below. This is the best membership you'll ever join, and that's a promise.

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