She Stormed Off Financial Audit

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

• 0:01Speaker 00

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• 0:26Speaker 01

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• 0:41Speaker 02

  I had to move back in with my ex-husband.

• 0:45Caleb Hammer?

  Yes.

• 0:45Speaker 02

  What?

• 0:46Caleb Hammer?

  I said, I want to. You wouldn't step up and take care of your [BLEEP] kid?

• 0:51Speaker 02

  That's what my son proceeds to tell me. I went to go get dad and I saw him kissing Becky and her pulling up her pants. Apparently there's more I don't even [BLEEP] know.

• 1:00Caleb Hammer?

  Oh, there is, including messages between them.

• 1:02Speaker 02

  I thought we had touched base on everything before we came here. That why this wouldn't [BLEEP] ruin our marriage.

• 1:10Caleb Hammer?

  His finances, I'm separating them so we can do a divorce, right? I just launched my brand new cookbook, Just Pack A Sandwich. It's full of budget-friendly recipes I love. It was so good. Plus a few inspired by your favorite Financial Audit episodes. McDonald's, McDonald's. Right now, the only way to get a physical copy is with a full year of Dollar Wise, all for just $89.99. But hurry, the first 1,000 customers get a copy signed by me. Once the signed copies are gone, they're gone forever. Go to dollarwise.com or click the link below to get yours.

• 1:42Caleb Hammer?

  I want you to be on the next episode of Financial Audit, right here in Austin, Texas. If you think you have interesting finances with an interesting personality, or a story, or a life, or a relationship, I will personally pay you to take time off of work, fly you down to Austin, get you personal transportation, a hotel, food, and we'll have a great time hanging out. Go to calebhammer.com/apply or click that link in the description below.

• 2:03Speaker 02

  Hi, I'm Brooke. I'm 35 years old.

• 2:05Speaker 04

  Hi, I'm Dean. I'm 35 years old and I live in Corpus Christi, Texas.

• 2:09Speaker 02

  And this is Financial Audit.

• 2:12Caleb Hammer?

  Yes, it is. Thanks for coming over to Austin. Do you also live in Corpus Christi?

• 2:15Speaker 02

  I do.

• 2:15Caleb Hammer?

  Okay, because he was talking about just him. Are you guys a couple?

• 2:19Speaker 04

  Yes. Yes, we're married.

• 2:21Caleb Hammer?

  You live together?

• 2:22Speaker 04

  Yes.

• 2:22Caleb Hammer?

  So why'd you say just you? Okay, that's fine. Well, Brooke, let's see how half this household works out since you're in front of me. What do you do for a living in Corpus Christi?

• 2:31Speaker 02

  I'm an office leader at a HVAC company.

• 2:34Caleb Hammer?

  Okay, office leader. Maybe we're making some money. I like the word leader. Are you making some money?

• 2:40Speaker 02

  24 an hour.

• 2:41Caleb Hammer?

  You're making okay money in Corpus Christi. I mean, as far as Texas goes, it's definitely not one of the more expensive cities. So how many hours a week are we working?

• 2:49Speaker 02

  Generally, I get 45 because I don't take lunch.

• 2:52Caleb Hammer?

  Sure. So what is your per paycheck pay?

• 2:56Speaker 02

  Uh, it's like 650, 670, right about there.

• 3:03Caleb Hammer?

  Is that a week? It must be a week. 650, 670, so I'm gonna do 660.

• 3:06Speaker 02

  So I had gotten an advance. We do.

• 3:09Caleb Hammer?

  Oh, that's weird. That's not necessarily weird, but that's everything.

• 3:15Speaker 02

  Why does that [BLEEP] everything?

• 3:16Caleb Hammer?

  You guys don't get a moment of not with each other.

• 3:19Speaker 02

  But we do. He's in the field, I'm in the office.

• 3:22Caleb Hammer?

  Yeah.

• 3:24Speaker 02

  Exactly what? Exactly him or exactly me?

• 3:26Speaker 04

  He's got a point.

• 3:28Speaker 02

  We're not even around each other all day.

• 3:31Speaker 04

  What are you doing? You know what you're doing. You just sent me here.

• 3:34Caleb Hammer?

  Okay, so it's just relentless. Oh, okay. What are we laughing about?

• 3:41Speaker 04

  Just the breathing room. Like, there's just no, like, just, ugh.

• 3:45Caleb Hammer?

  Yeah.

• 3:45Speaker 04

  Let me.

• 3:46Caleb Hammer?

  I agree.

• 3:47Speaker 02

  Hey, guess what?

• 3:47Caleb Hammer?

  Why do you work in this [BLEEP] me?

• 3:49Speaker 04

  She got me into this.

• 3:51Caleb Hammer?

  Okay, well, now take it and go to a different company if you have an issue.

• 3:54Speaker 04

  I was going to school for counterterrorism. And then ever since we whole started this whole fiasco, then I didn't want that. I was trying to be good, but I didn't want this life for my family, starting out kind of deal. So she's like, what's the HVAC? I work here.

• 4:08Speaker 02

  For the record, he was making like, he was making like 16 bucks an hour at the old company that he used to do surveying wetlands. 16 bucks an hour.

• 4:17Caleb Hammer?

  Are we doing terrorism in wetlands?

• 4:19Speaker 04

  No, I was doing it while I was going to school.

• 4:21Caleb Hammer?

  For counterterrorism? I didn't know that was a degree.

• 4:24Speaker 04

  Well, I was in the military, obviously. This is something I was doing on the side for just more humanitarian, being God's grace.

• 4:29Speaker 02

  So he chose that, not me, to have him stop going to school when we got pregnant with my daughter. That was not my choice. I've never forced him to do anything. So his choice is not mine.

• 4:42Speaker 04

  Topping up a thesis, she pops her head in. I'm pregnant.

• 4:46Caleb Hammer?

  What happens if you stick it in wrong?

• 4:47Speaker 04

  That's what I said.

• 4:48Speaker 02

  27 times in one day, so don't even.

• 4:51Speaker 04

  So mad that I had no reaction. What do you expect? What we just did? Duh. It's gonna happen. Let's [BLEEP] do it.

• 4:59Caleb Hammer?

  Okay, so don't get surprised. I mean, this is what you were basically guaranteeing it was gonna happen.

• 5:04Speaker 02

  110%.

• 5:06Caleb Hammer?

  Yeah, so I'm confused. What's the issue?

• 5:08Speaker 02

  There isn't one.

• 5:09Caleb Hammer?

  A little lost.

• 5:09Speaker 02

  A little hostile there. Simmer down. We're not even there yet.

• 5:13Caleb Hammer?

  Okay.

• 5:14Speaker 02

  Okay.

• 5:15Caleb Hammer?

  What's your job? That, I guess, would have been my next question.

• 5:18Speaker 04

  HVAC technician.

• 5:19Caleb Hammer?

  Uh huh.

• 5:20Speaker 04

  Yes.

• 5:20Caleb Hammer?

  I'll also get you an HVAC certification through CourseCrisis if you wanted to add to your resume.

• 5:24Speaker 04

  Sure.

• 5:24Caleb Hammer?

  People have taken them and many, actually, in the audience have heard from you that have done the HVAC one. And you guys have like six-figure jobs now. Um, you're in the military. What was it?

• 5:35Speaker 04

  I just was in the Navy.

• 5:36Caleb Hammer?

  Okay, how long?

• 5:37Speaker 04

  In a less than four years.

• 5:39Caleb Hammer?

  Okay.

• 5:39Speaker 04

  Yeah, nothing crazy.

• 5:40Caleb Hammer?

  You got any of that sweet, sweet, sweet disability?

• 5:45Speaker 04

  No.

• 5:46Caleb Hammer?

  Why? Oh, you're the first one in four years to not.

• 5:49Speaker 04

  Well, give it to somebody who deserves it. Like, I've got plenty of friends in the past that they [BLEEP] deserve that, like your gunslinging and whatnot.

• 5:57Caleb Hammer?

  Trust me, you're not gonna lose me.

• 5:58Speaker 04

  If you get a paper cut, [BLEEP] you for trying to get disability.

• 6:01Speaker 02

  The fact of the matter is too, is you have major PSD from your, or PTSD from being in the military.

• 6:06Speaker 04

  I could say that too, but it comes out, it's probably just childhood PTSD.

• 6:11Speaker 02

  When you have been crying in the [BLEEP] yard and fetal position from flashbacks.

• 6:17Caleb Hammer?

  And I told them my stories in the military at this VA therapist.

• 6:21Speaker 02

  Whatever, it's yours. You did the time.

• 6:22Caleb Hammer?

  It doesn't even sound like military. It sounds like childhood. So you got childhood PTSD.

• 6:28Speaker 02

  Would you do that too?

• 6:29Speaker 04

  So, yeah, yeah. I'm not gonna, I'm not gonna claim PTSD for.

• 6:34Speaker 02

  You're prerogative. It wasn't me that did it.

• 6:37Speaker 04

  Yeah, no.

• 6:38Caleb Hammer?

  I mean, if you legitimately have PTSD, I'd want you to get something for that. Like, that's real, you know, but I don't know.

• 6:46Speaker 04

  I will say, I've been slacking on this part. I will get us Tricare because that will at least save us $1,000 a month. Since I did [BLEEP] that up, I should at least get Tricare.

• 6:55Speaker 02

  Ultimately, we're here because my husband is addicted to saving single moms. So he keeps trying to [BLEEP] up my marriage, our marriage.

• 7:02Caleb Hammer?

  I haven't even had the chance. You guys won't stop talking to ask why you're here. Okay, but before I ask, I do need to know what to put down on like an average monthly income for you.

• 7:10Speaker 04

  725 weekly.

• 7:12Speaker 02

  That's weekly, yes.

• 7:13Caleb Hammer?

  Okay, 2,900 for you, 2,640 for you. Okay?

• 7:17Speaker 04

  Sure.

• 7:18Caleb Hammer?

  Household, that's fine. You guys are doing well. You guys are doing well. I have kids, right?

• 7:23Speaker 02

  I do get child support for my oldest, my son.

• 7:26Caleb Hammer?

  So that was not Dean?

• 7:27Speaker 02

  No, no.

• 7:28Caleb Hammer?

  Dean did not stick it in for that one?

• 7:29Speaker 02

  No, that was dipshit. Calm dipshit.

• 7:32Caleb Hammer?

  Okay, and what do you, how much is that?

• 7:34Speaker 02

  750.

• 7:35Caleb Hammer?

  A month?

• 7:35Speaker 02

  Uh, yes.

• 7:36Caleb Hammer?

  What are the ages of the kids? How many are there?

• 7:39Speaker 04

  10, 3, 2.

• 7:42Caleb Hammer?

  Hold on, hold on, hold on, hold on. 10, 5, 3, 2?

• 7:45Speaker 02

  Yes.

• 7:46Speaker 04

  Sure.

• 7:47Caleb Hammer?

  So you're here for what? So what? Single moms, what?

• 7:49Speaker 02

  He, oh my goodness. So where do you want me to start? The all the way back to the beginning when the bullshit started?

• 7:55Caleb Hammer?

  You're talking about?

• 7:56Speaker 02

  Okay, so, um, whenever we started dating, um, I was in like a really bad mental health crisis. I had severe depression, anxiety. It was right there at the pandemic.

• 8:10Caleb Hammer?

  Why?

• 8:10Speaker 02

  Um, my ex-husband. My ex-husband put me through a lot of shit.

• 8:16Caleb Hammer?

  Sure.

• 8:16Speaker 02

  Um, and then I had a lot going on with work. Then I lost my job and, um, my car, my home, everything. Well, I was pretty much like just done with life itself and, um, was literally, because my ex-husband went after.

• 8:31Speaker 02

  me for full custody cuz I got arrested for a DUI. I drank on top of my depression medication.

• 8:36Caleb Hammer?

  I mean, fair enough.

• 8:36Speaker 02

  My son was not in the car, just to clarify.

• 8:38Caleb Hammer?

  I don't give a but if you got a DUI, I'm pushing for it as well.

• 8:41Speaker 02

  I didn't realize that I was impaired.

• 8:44Caleb Hammer?

  If it compounds with your medication, it's your fault. I don't care.

• 8:46Speaker 02

  Okay, well.

• 8:47Caleb Hammer?

  If you're that person, I'm also probably gonna try to get full custody.

• 8:50Speaker 02

  Yeah, so anyway, I was in a really, really bad state in my life and.

• 8:54Caleb Hammer?

  I would have had sympathy, except you chose to drink and drive, so I don't care.

• 8:57Speaker 02

  Okay, I don't care about the DUI. I really don't.

• 8:59Caleb Hammer?

  I do.

• 8:59Speaker 02

  Like, I paid it off. Like, I didn't hurt anybody. Praise the Lord.

• 9:02Caleb Hammer?

  Did you get arrested for it?

• 9:03Speaker 02

  I did. I did. I went on probation, all of that. I did what I needed to do to make that right.

• 9:08Caleb Hammer?

  How many times have you been arrested in your life?

• 9:12Caleb Hammer?

  Yeah, I would get full custody too.

• 9:14Speaker 02

  Thirteen, but that was way before I had kids.

• 9:16Caleb Hammer?

  What?

• 9:17Speaker 02

  It was way before I had kids, Caleb.

• 9:19Caleb Hammer?

  You're thirty-five. How do you get arrested thirteen times in life?

• 9:22Speaker 02

  Listen, when I was eighteen years old, pot was a big deal to cops. Every time I got arrested were was for weed.

• 9:31Caleb Hammer?

  And you can't stay off the weed?

• 9:34Speaker 02

  Okay, as soon as I turned eighteen.

• 9:36Caleb Hammer?

  Usually you learn your lesson.

• 9:37Speaker 02

  Well, no, I didn't. I was stupid. It's it is what it is.

• 9:40Caleb Hammer?

  You got arrested a couple of years ago for a DUI. I don't think we're really learning our lesson that much.

• 9:44Speaker 02

  Well, it wasn't intentional. I literally had one drink. It was with the medication. It's not like I was out clubbing with my friends.

• 9:50Caleb Hammer?

  Medication, but that's known. That's on the thing.

• 9:53Speaker 02

  Yeah, well, I didn't, you know, whatever. So it was a choice. It happened. Anyway, um, my ex-husband went after full custody cuz I was just, the medication really fucked up my head.

• 10:04Caleb Hammer?

  What was your medication? I'm hearing a lot of victim.

• 10:07Speaker 02

  Six.

• 10:08Caleb Hammer?

  Five minutes in.

• 10:09Speaker 02

  I don't remember. It was six years ago. It's one of them started with an S and then another one was Klonopin, which really fucked me up. It's like a form of.

• 10:17Caleb Hammer?

  Does that make you crazy?

• 10:18Speaker 02

  Yeah.

• 10:19Caleb Hammer?

  That just makes you sleepy.

• 10:21Speaker 02

  Okay.

• 10:22Caleb Hammer?

  I don't know about crazy. Is this anything? Okay, okay.

• 10:25Speaker 02

  Like, you'll, you can, you can have days where you just blackout and don't remember the entire day.

• 10:30Caleb Hammer?

  Well, yeah, if you have a high dosage, right?

• 10:32Speaker 02

  Yeah, yeah. So it was real off cuz a lot of times you go to get help and they just throw medicine at you.

• 10:38Caleb Hammer?

  Yeah, I know.

• 10:38Speaker 02

  You know, so, um, that's where I was at. Anyway, I didn't have the money. I lost my job. I couldn't fight for my kid.

• 10:44Caleb Hammer?

  Fight for your kid, didn't you? I felt like I, I, I go in blind, right? I always say it, and it's true, but I was like given one little tidbit that you tried to blow up your ex-husband's house.

• 10:54Speaker 02

  No, no, no.

• 10:56Caleb Hammer?

  What are you saying?

• 10:58Speaker 02

  I was going to kill myself. Nobody else.

• 11:02Caleb Hammer?

  She was gonna blow up her ex-husband's house with her in it.

• 11:05Speaker 05

  My brother Josh blew himself up and his two kids.

• 11:10Caleb Hammer?

  Okay, I mean, I, okay, yes, everyone starts a long time ago. You guys have been together. I wanna know what's going on today. What's, what, what? You bring up this.

• 11:19Caleb Hammer?

  What did you say again? Was it MILF or? I don't remember, but what's going on? What is happening now?

• 11:26Speaker 02

  So he cheated on me with my best friend.

• 11:30Caleb Hammer?

  No, best friend? This show and cheating.

• 11:34Speaker 02

  Only friend, like.

• 11:36Speaker 04

  If you call it cheating, I don't even remember.

• 11:37Caleb Hammer?

  What?

• 11:38Speaker 02

  Well, how was, how was that a justification? Are you kidding me? I just had surgery too. Okay, I just had surgery. So while I was at the hospital for surgery.

• 11:51Caleb Hammer?

  Surgery for what?

• 11:52Speaker 02

  Uh, it was just, it was a minor surgery. It was just a balloon sinusoplasty, right? So I was supposed to be in bed all weekend cuz everything's raw and I could start bleeding and shit. Anyway, while we were at the hospital, the babysitter's husband had a heart attack. Okay, I had, we have no family in Corpus. So I called Becky, my best friend, um, to go and get my kids so they could go away on the ambulance.

• 12:16Caleb Hammer?

  This is insane.

• 12:17Speaker 02

  After my surgery, we get home. It's like six thirty. I'm like, honey, you need to go and get the kids. And he was like, oh, well, they're fine. They're playing. I'm like, no, we don't wanna abuse it. Go get our kids.

• 12:27Caleb Hammer?

  Fair.

• 12:28Speaker 02

  So I end up falling asleep because they had me on painkillers and stuff.

• 12:32Speaker 04

  I wanted her left alone. Like, if I'm in that state of mind, I wanna be left alone. Like, nobody bother with me. I don't want children around me. I wanna sleep.

• 12:40Speaker 02

  He uses that excuse to stay down there and drink with her. Okay? That bullshit, like, okay, let. She's a big slur. Anyway, she's a big slur.

• 12:53Caleb Hammer?

  Well, she's her friend. She should be able to control herself.

• 12:54Speaker 02

  Yeah, she should. She absolutely fucking should.

• 12:57Speaker 04

  Have a good time. It was good breathing room.

• 12:59Speaker 02

  That wasn't the problem. When you got there and she said, hey, the kids are still playing, you should have been like, okay, well, I'm gonna go back down to the house just in case my wife needs anything. That would have been the appropriate thing to do. I was at home. Yeah, I was at home in bed. I said, go get our kids.

• 13:16Speaker 04

  I wanted a break too. I needed that breathing room.

• 13:19Speaker 02

  You went down there with the kids.

• 13:21Caleb Hammer?

  Also, she's post-op. We prioritize post-op.

• 13:24Speaker 04

  Hmm. It's been go, go, go, go, go. I wanted, I gave her her space. I kept the kiddos away.

• 13:31Speaker 02

  You're not writing this story, so just shut up. Okay, my son calls me from the car. Okay, bawling his eyes out. He's ten. Okay, bawling his eyes out. Mom, dad's been in there for an hour. I don't know what he is doing.

• 13:47Caleb Hammer?

  Why would a ten-year-old even think about that?

• 13:49Speaker 02

  Because he's been sitting in the car for an hour.

• 13:52Caleb Hammer?

  He was in the car with it on?

• 13:53Speaker 02

  He was in the car with my other daughters. Yes, yes.

• 13:56Caleb Hammer?

  Oh, thank.

• 13:57Speaker 02

  Car was on, but he was in the car with my daughters. They were screaming bloody murder. Mind you, when I get this call, it's eight thirty. He's already been gone for two hours.

• 14:07Caleb Hammer?

  And what did he say?

• 14:08Speaker 02

  What'd my son say? He said that, that he's been waiting in the car for an hour and he doesn't know what dad's doing. And I'm like, um, well.

• 14:17Caleb Hammer?

  What's going on with you? Why'd you leave the kids in the car?

• 14:19Speaker 04

  I don't know. I don't remember.

• 14:21Caleb Hammer?

  That doesn't make any sense. I know you were drinking with her, but you weren't drinking with her when you left them in the car. You went in and started drinking.

• 14:28Speaker 02

  No, so the kids were already there.

• 14:30Speaker 04

  Yeah, we were all there together. She was home alone. I dropped her off.

• 14:35Caleb Hammer?

  You were gonna drunk drive your kids home?

• 14:37Speaker 02

  She's right. Granted, never okay, but she is right down the street.

• 14:42Caleb Hammer?

  Down the street. That's still not okay. Those are your four kids.

• 14:45Speaker 02

  Not justifying it. I was pissed about that alone, okay?

• 14:49Caleb Hammer?

  So he went over there drunk?

• 14:50Speaker 02

  No, no, he was sober when he got there.

• 14:52Caleb Hammer?

  So how do you not know the kids were in the car?

• 14:54Speaker 04

  I got there. I showed up.

• 14:56Speaker 02

  He did know they were in the car. He just was in the house with, or, sorry.

• 14:59Caleb Hammer?

  Ah.

• 14:59Speaker 02

  He was in the house with Becky by himself for that whole time. He loaded the kids in the car and then went back in the house with Becky.

• 15:08Caleb Hammer?

  So you know you loaded them in the car.

• 15:10Speaker 04

  I don't remember that.

• 15:11Caleb Hammer?

  You weren't drunk.

• 15:12Speaker 04

  I was blacked out at this point. I don't remember any of this.

• 15:15Speaker 02

  When he is drinking, yes, no, no, he did.

• 15:18Speaker 04

  He's already passed that.

• 15:19Speaker 02

  He stayed there.

• 15:20Speaker 04

  I showed up and when I showed up, we got all the kiddos, all her kid, three or four kiddos, and all our kiddos are having a damn good time. I was like, yeah, that's awesome. Burn them out. I go over there. She's standing right there in the kitchen and living room. She's got a drink in her hand. She starts, boop, starts bringing out the liquor.

• 15:38Caleb Hammer?

  Well, having a drink isn't the worst thing in the world, so I don't know.

• 15:41Speaker 02

  He has no self-control, Caleb, at all when it comes to liquor.

• 15:44Caleb Hammer?

  The fact that she poured a drink, I don't care.

• 15:46Speaker 02

  No, I wouldn't have either, but you're there for two hours. Why were you with a chick?

• 15:50Caleb Hammer?

  I'm not defending that.

• 15:51Speaker 02

  You know what I mean? Like, why?

• 15:52Caleb Hammer?

  Well, you guys are all friendly, right?

• 15:53Speaker 04

  I took that first one.

• 15:55Caleb Hammer?

  You guys are all friends.

• 15:55Speaker 02

  Yeah, well, yeah.

• 15:56Caleb Hammer?

  And she was watching the kids, but locking the kids outside while you're staying, that's crazy. Okay, so what happened then? So the kid called you.

• 16:03Speaker 04

  Locked outside.

• 16:04Caleb Hammer?

  In a car.

• 16:05Speaker 02

  They're in the car by themselves for an hour. So then my son proceeds to tell me, I went to go get dad and I saw him kissing Becky and her pulling up her pants. My son.

• 16:18Caleb Hammer?

  Your son saw that? Or you saw that?

• 16:20Speaker 02

  No, my son, honey. I was in bed. So you know what my post-op ass did? I got out the fucking house, walked all the way fucking down there.

• 16:30Speaker 04

  Yeah.

• 16:31Caleb Hammer?

  I hear she's just on the street.

• 16:32Speaker 02

  As soon, as soon as I'm like almost there, we have Life 360, so he gets the notification that I left home, I'm assuming, cuz all of a sudden, immediately, he's pulling out of that driveway and he goes to pass me. I said, get your fucking ass back down there.

• 16:46Caleb Hammer?

  So the kid told you?

• 16:48Speaker 02

  Mm-hmm, my son.

• 16:49Caleb Hammer?

  And when you're on the phone?

• 16:50Speaker 02

  Yes, that's why I started walking down there.

• 16:52Caleb Hammer?

  They were kissing and she was pulling up her pants.

• 16:54Speaker 02

  Mm-hmm.

• 16:55Caleb Hammer?

  Good fuck man.

• 16:57Speaker 02

  But according to the both of them, they only kissed. And I'm like, well, why?

• 17:00Caleb Hammer?

  Even so, is that okay? Are we allowing this?

• 17:02Speaker 02

  No, absolutely not.

• 17:04Caleb Hammer?

  I'm just post-op. I'm gonna go make out with her best friend?

• 17:06Speaker 02

  I don't even like my, my husband watching like that. To me, like, why do you need that when I never tell you no? I never tell you no. He wants to, let's go. Where are we going?

• 17:15Caleb Hammer?

  Okay, but does, okay, so becomes bad in a couple ways. Does he choose over you?

• 17:20Speaker 02

  Yeah, there's a point where we're only having sex like two times a month.

• 17:25Speaker 00

  This episode is brought to you by Google Chrome. You think you know a browser, but Gemini and Chrome, that's new. It can help you with practically anything on the web, like restoring a vintage motorcycle from a fifty-page restoration blog, or finally break down that long article you've had open for weeks. Gemini and Chrome is here for it. Ready to make anything online make sense? There's no place like Chrome. Check responses set up required. Compatibility and availability varies eighteen plus.

• 17:49Speaker 02

  Dude, two times a month having sex. I'm a very sexual person.

• 17:53Speaker 04

  It's just the mutual timing just doesn't match up. It has nothing to do with not choosing you over that.

• 17:58Speaker 02

  Cuz all of a sudden, since I addressed it with you, all of a sudden, we've been having all kinds of sex.

• 18:02Speaker 04

  Yeah, cuz.

• 18:03Speaker 02

  So.

• 18:03Caleb Hammer?

  What do you mean?

• 18:04Speaker 02

  Since I told him how I felt about the when I caught him watching, uh, two weeks ago.

• 18:09Caleb Hammer?

  Okay, but you said you're having a lot of sex right now.

• 18:11Speaker 02

  We have, since, since I brought that up and how I was uncomfortable with it.

• 18:15Caleb Hammer?

  If you guys are having sex and he can watch. If it's, cuz it's.

• 18:18Speaker 02

  I still don't like it. I still don't like it. I don't, to me, why do you need to look at somebody else? You wanna make a sex film? Let's make a film. Jack off to it. Like, that's just not my.

• 18:27Caleb Hammer?

  The thing is.

• 18:28Speaker 02

  Why do you need to look at a different bitch to get off?

• 18:31Caleb Hammer?

  It's not necessary.

• 18:31Speaker 02

  When I'm essentially at your disposal, like, you can, not disposal, but at your beck and call.

• 18:35Caleb Hammer?

  It's bad if he's choosing over you, but if you guys are having a lot of sex right now.

• 18:38Speaker 02

  That's what it felt like.

• 18:39Caleb Hammer?

  Okay, but now.

• 18:40Speaker 02

  Well, that was just two weeks ago, Caleb.

• 18:41Caleb Hammer?

  Okay, yeah, so it's only been two weeks ago, so we can't.

• 18:44Speaker 02

  And this whole thing with.

• 18:45Caleb Hammer?

  Right, I mean, I'm on your side then. I'm on your side. Four months ago, this happened?

• 18:49Speaker 02

  Four months ago.

• 18:49Caleb Hammer?

  You guys have produced a five-year-old, three-year-old, and two-year-old. Good fuck.

• 18:53Speaker 02

  Mm-hmm.

• 18:54Caleb Hammer?

  So what happened then?

• 18:56Speaker 02

  Ask him, cuz I don't know. Like, I do not know. Like, on a day-to-day basis, our life is pretty great.

• 19:02Caleb Hammer?

  We're calling her in the post-op. Oh, that's gonna be good. Oh, you know I love the tea. Okay, well, so what the fuck? I'm sorry. Uh, husband goes and makes out with my best friend who's, you know, also babysitting the kid while I'm post-op? I'm not with husband anymore. And I'm sorry, the kid, like, the kid saw the pants being pulled up. That's not just make out.

• 19:24Speaker 02

  Gaslight my son. When I got back to the house, so I went, okay, let's, let's rewind because I walked up there. I banged on that door. I told his ass to get his ass back over there. He went home, laid all the kids down to bed. He didn't turn around right away cuz, for one, I did not want him driving with the kids in the car cuz I already knew alcohol was involved. But instead, he went home, he put all the kids to bed, told he was leaving to call us if the kids started crying. Sorry, should we bleep my son's name?

• 19:53Caleb Hammer?

  Yeah, yeah, we'll bleep his name. Sorry.

• 19:54Speaker 02

  Um, um, anyway, uh, I walk up to her back sliding glass door. And banged on it. That bitch wasn't even that drunk Caleb. She was not that drunk at all. Like he, when he showed back up, he literally went and sat on the couch and passed, moved the out. Like I know his stages of drunk at this point. His sister and I have begun begun to call them his episodes because his PTSD hits him all of a sudden. Why am I with him?

• 20:23Caleb Hammer?

  Yes.

• 20:24Speaker 02

  Everything else is great. I mean, and it's not like this shit is happening back to back.

• 20:29Caleb Hammer?

  Cheats on me? No, we don't stay on that. So if I'm not mistaken, right? These finances, I'm separating them so we can do a divorce, right?

• 20:37Speaker 02

  No.

• 20:37Caleb Hammer?

  So what the what are you doing? What is wrong with you?

• 20:41Speaker 02

  He needs to go to therapy.

• 20:42Caleb Hammer?

  I agree, but we don't stay with the cheater who has episodes where he can get away with everything.

• 20:48Speaker 02

  I am gone. I will not set this example for my three daughters. I have three daughters, one boy, three girls. I will not my son.

• 20:56Caleb Hammer?

  And guess what? Son saw step daddy mooching on some box and then kissing her mouth.

• 21:02Speaker 02

  Yes, indeed.

• 21:03Caleb Hammer?

  You have anything to say for yourself? This is insane. This was four months ago.

• 21:06Speaker 04

  I don't remember.

• 21:08Speaker 02

  It's not an excuse. How is it justification? I don't understand.

• 21:12Speaker 04

  Intentions to go over there like, oh, I already know what I'm gonna fuck up tonight. Yeah. Nope. That was not the case.

• 21:18Speaker 02

  Doesn't matter what the intention was.

• 21:20Speaker 04

  I literally showed up there. I just relaxed. You guys enjoy. I don't remember.

• 21:25Speaker 02

  Cause this isn't the first time something like this has happened. Two months after we got married, we were cooking out, having a good time. I'm two months postpartum, okay? Just had a baby. My gut tells me something's happening because he's sitting on the porch like this with his phone, right? And I'm just like ignoring it. Like I'm, I try to be rational in every situation. I'm like, man, if I come at him acting like he's already like doing something wrong and he's not doing something wrong, that's just gonna cause a problem. Turned out I went through his phone that night. Some bitch that he used to work with was texting him after seeing our wedding pictures. Talking about how he's the only guy who has ever made her squirt and come the way that she has.

• 22:08Caleb Hammer?

  That's nice.

• 22:09Speaker 02

  When you talk about literally made me physically ill.

• 22:12Caleb Hammer?

  Telling him that he, but what did he do?

• 22:14Speaker 02

  He entertained her at the beginning and he met up with her in Rockport.

• 22:18Speaker 04

  She was pregnant with her fiance and she wanted me to meet her fiance.

• 22:22Speaker 02

  What's the point? They're not even friends. They're not even friends. What's the point?

• 22:26Speaker 04

  I wanna meet up, catch up.

• 22:28Caleb Hammer?

  After talking about her squirting though. You suck with money. So you download a budgeting app. You start with the classic one, YNAB, but everyone just deletes it because it's way too complicated to use. So you go to EveryDollar. That's Dave Ramsey, the personal finance guy, right? Well, they're gonna force you to use it his way. That's not very personal finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they wanna 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. They'll play these people just like you for people just like you.

• 23:11Caleb Hammer?

  No private equity, no gimmicks, just the best budgeting app there is. Download it now. Start the free trial. Dollarwise.com. Link in the description below. If you or your child spent years growing up on social media and experienced serious mental health struggles, you should hear this. Recently, a jury ordered Meta and others to pay millions for their role in designing and promoting addictive platforms. They knew their apps could contribute to anxiety, depression, and body image issues, but did not share those risks while prioritizing profits. The recent historic verdict underscores the consequences of those decisions. Now Morgan and Morgan is stepping up to hold these platforms accountable for the harm they cause. Click the link in my bio to take a short quiz. You may be entitled to a potential recovery of over $1,000.

• 23:53Speaker 02

  Well, he did not respond after she said that. I will give.

• 23:56Speaker 04

  I didn't engage on that.

• 23:57Speaker 02

  He's just Mr. Captain Save a Ho. I don't understand. It's like he has to save bitches.

• 24:01Speaker 04

  Originated to where I got her out of a really shitty situation with her life.

• 24:05Speaker 02

  Who cares? They're not your wife.

• 24:07Speaker 04

  They came back. That's their gratitude kinda deal. Like, remember that one time you really helped me out in my life?

• 24:13Speaker 02

  Who cares? Thanks. Have a nice life. I have a wife and four kids.

• 24:19Caleb Hammer?

  I would maybe be more on your side if you didn't sometimes when you go over there, eat their pussy. Huh? Huh? What do you mean huh? Four months ago.

• 24:28Speaker 04

  I haven't eaten anybody's pussy.

• 24:30Caleb Hammer?

  Dude, her pants were being pulled up. There was definitely pussy being eaten.

• 24:33Speaker 02

  So you say.

• 24:34Caleb Hammer?

  And you, you would have smelt it. You would have tasted it or whatever.

• 24:38Speaker 02

  I was all like this in your fucking mouth.

• 24:40Speaker 04

  You can't hide that smell.

• 24:42Caleb Hammer?

  Not everyone's pussy's nasty. What are you talking about?

• 24:44Speaker 02

  Stinks. Not even, some of the times after we have sex, you can't smell it on your face when I kiss you.

• 24:50Speaker 04

  Yes, I can.

• 24:52Caleb Hammer?

  Dude, you, you, you literally, your entire argument is you couldn't remember. You can't tell me you didn't eat her.

• 24:57Speaker 02

  I can't remember. There was no smell. There was a blah.

• 25:00Speaker 04

  What? I would have woken up. You would have had some after flavor or whatever the case may be.

• 25:04Speaker 02

  On top of that Caleb, on top of that, the entire next day when I'm supposed to be resting because I just had surgery. This mother stays drunk all damn day. All damn day. Couldn't function, could not function. I had to take care of all the kids. And then I just started rage cleaning.

• 25:21Caleb Hammer?

  Fine. Let's, let's say the cheating. Okay. Next time it happens, blah, blah, blah. But if, if we're already having sayings with her sister that he has episodes, why are we with someone who has episodes where he just binges?

• 25:33Speaker 02

  A lot of the times I, until this last time, I justified it because of his PTSD. I, which I realized was wrong. It's not a justification because, but it's at the point that his trauma is causing me trauma. Like your trauma isn't an excuse to get away with destroying me.

• 25:52Caleb Hammer?

  Eh, okay. I agree, but listen, there

• 25:57Caleb Hammer?

  PTSD is real. It is not your responsibility to stick with someone.

• 26:00Speaker 02

  Yeah. No, I get that.

• 26:02Caleb Hammer?

  Who won't get their shit taken care of.

• 26:03Speaker 02

  That's why I had been so understanding in the beginning when there's just these, okay.

• 26:09Caleb Hammer?

  What happened to you in the military?

• 26:11Speaker 04

  Nothing. Easy time. Easy breezy.

• 26:12Speaker 02

  It's childhood. It's his childhood.

• 26:14Caleb Hammer?

  Okay. Now at that point.

• 26:16Speaker 02

  It's some in the military, from the military that I've heard in his episodes where he's not, I've heard some little spurts of shit.

• 26:23Caleb Hammer?

  Her responsibility and your kids responsibility to have to deal with you going through episodes.

• 26:28Speaker 04

  Oh, I've tried. I've done that whole route therapist thing. I just hate the old one.

• 26:32Caleb Hammer?

  Very good. Then, then why are you staying? Cause he's done. He's done. He's not gonna do it.

• 26:37Speaker 02

  You said you were gonna go.

• 26:39Speaker 04

  And I will.

• 26:40Speaker 02

  Then what are you saying now? You're contradicting yourself.

• 26:44Speaker 04

  I know. I just, I'm not a fan of it, but I'm gonna do it.

• 26:47Caleb Hammer?

  Yeah, but if you go in just to do it, you're not actually doing the active part of therapy, which is working on yourself.

• 26:53Speaker 04

  I need a therapist I can trust for one, not just, that's just scripted. They're all just scripted.

• 26:58Speaker 02

  A child called it.

• 26:59Caleb Hammer?

  Nope.

• 27:00Speaker 02

  It, well, we had to read it in school and, but anyway, it's a horror story about a kid in foster care. And that's essentially what you can compare his childhood to.

• 27:09Caleb Hammer?

  I'm sure it wasn't great. It was awful. But if he's not choosing to fix his shit, it is not your responsibility.

• 27:14Speaker 04

  If you got me a therapist like Robin Williams and Good Will Hunting, that right there. That's my fucking.

• 27:20Caleb Hammer?

  I will pay for a session with my personal therapist. He's not an enablement therapist. He'll call you up. Shut the fuck up. He's very good. He's fixed my shit. It is very wonderful, but you have to go in and actually deal with it.

• 27:30Speaker 04

  If he calls, see, call out me, call, call out my shit kinda deal like that. That's what catches me and catches me wanting to change for the better.

• 27:36Speaker 02

  Caleb's been calling you out this entire time. You've been making excuses.

• 27:41Speaker 04

  I know what I need to work on.

• 27:43Speaker 02

  It doesn't mean it didn't happen.

• 27:45Speaker 04

  That's not an excuse. That's legit. I don't remember. Doesn't mean it didn't happen.

• 27:48Caleb Hammer?

  Okay. And what have you done about it? Cause you objectively cheated.

• 27:52Speaker 04

  Yeah, objectively, yes.

• 27:54Caleb Hammer?

  So now what? It's been four months. What have you done?

• 27:57Speaker 04

  I think I've been more coherent here and there. I've been giving you more.

• 28:01Speaker 02

  Defensive and when I try to bring things up at first.

• 28:04Speaker 04

  I don't let my defensive side get up anymore.

• 28:06Speaker 02

  In the last two weeks.

• 28:09Speaker 04

  Gotta start somewhere.

• 28:09Speaker 02

  Literally.

• 28:10Caleb Hammer?

  Yeah, everyone, a little bit of progress before coming on the show.

• 28:13Speaker 04

  Yeah.

• 28:14Speaker 02

  The was two weeks ago and you already knew how I felt about it. You never tried to have a conversation of why you needed it or wanted to do it. I told you how I felt about it and you flat out said, I won't do it anymore.

• 28:27Caleb Hammer?

  And is he?

• 28:28Speaker 02

  Yes, obviously. He did it two weeks ago.

• 28:30Speaker 04

  Yeah, two weeks ago. That was the last time I touched it.

• 28:33Caleb Hammer?

  You have a addiction?

• 28:34Speaker 04

  No, I don't. I don't have a addiction.

• 28:37Speaker 02

  That's what I'm asking.

• 28:38Speaker 04

  Addiction, I'd be going through it every day like I'm craving. I crave you not.

• 28:43Caleb Hammer?

  Well, first of all, it's only.

• 28:45Speaker 02

  Gets more action than I do.

• 28:49Speaker 04

  Because we got four Kids

• 28:51Speaker 02

  That's such a bullshit excuse

• 28:52Speaker 04

  It is not. Let's just hop in the laundry room again every five minutes of the time.

• 28:56Speaker 02

  Why not?

• 28:58Speaker 04

  You know, there comes a point where we gotta Who wants to do it in the laundry room every

• 29:03Speaker 02

  I was fine with it. I wasn't complaining. Well, because our bedroom door doesn't have a lock.

• 29:08Speaker 04

  When you got four kids in a modular home. When you got a straightaway home, your options are very limited.

• 29:14Speaker 02

  Yeah, I love our little trailer.

• 29:16Caleb Hammer?

  Yeah, but four kids in a trailer?

• 29:17Speaker 04

  But it's two acres.

• 29:20Caleb Hammer?

  The land size is good, but you're still in the inside.

• 29:22Speaker 04

  I'll take, I'll take land any day over the size of my home.

• 29:25Caleb Hammer?

  You can, you can put a home on land. That, all I'm saying is, yeah, you're not expecting to find any privacy in a trailer with four kids.

• 29:31Speaker 02

  Yeah, so you do it when you can. If you want to make it happen, you'll make it happen, just like we have in the past.

• 29:36Speaker 04

  We went eight hundred square foot apartment to this. Ma- massive upgrade. Awesome, but the limitations are still in there for us doing what we want to do.

• 29:46Speaker 02

  To an extent.

• 29:47Speaker 04

  We work at the same job, we come home at the same time, we attend to the kids, we do everything together.

• 29:54Speaker 02

  Then get a different job.

• 29:55Speaker 04

  Go straight to bed.

• 29:56Speaker 02

  Go to a different HVAC company. I'm not leaving. I've been there five years. So, and my, my boss is very understanding with the kids, like appointments, and I have a lot of health problems going on right now. So my boss is very understanding, like I can make up my hours at home and stuff.

• 30:09Caleb Hammer?

  Okay, that's nice.

• 30:10Speaker 02

  So, that's hard to, you know, that's like a needle in a haystack kind of job.

• 30:13Caleb Hammer?

  Sure, I already said he should probably leave, but I mean, you guys do well. Has she ever cheated on you?

• 30:20Speaker 02

  No.

• 30:20Speaker 04

  No.

• 30:21Caleb Hammer?

  Then, like And you forgive him?

• 30:24Speaker 02

  I don't know. I don't know.

• 30:25Caleb Hammer?

  It was four months ago. I don't really understand how we're just moving past this.

• 30:28Speaker 02

  I haven't had any time to process it. Like, yeah, it's been four months in hindsight, but I've been sick. I don't I don't know how to address it, basically.

• 30:37Caleb Hammer?

  All right, talk to the or just have an opinion. I don't know.

• 30:41Speaker 02

  I've been pretty much on and off sick this entire time.

• 30:45Caleb Hammer?

  Has he ever cheated on you other than that?

• 30:47Speaker 02

  No, well, just text messages and then that situation went back in. No, no, not that I know of. No.

• 30:53Caleb Hammer?

  Knowingly, and not that he would know of either. He gets he has an episode and he doesn't remember. So what are we trying to do? I don't understand why, why you're staying, but if you choose to stay, I can't fix that.

• 31:06Speaker 02

  No, I, I am gonna stay. If it does happen again, I promise I'll even call Devon and

• 31:12Speaker 00

  This episode is brought to you by Google Chrome. You think you know a browser, but Gemini and Chrome, that's new. It can help you with practically anything on the web, like restoring a vintage motorcycle from a fifty page restoration blog, or finally break down that long article you've had open for weeks. Gemini and Chrome is here for it. Ready to make anything online make sense? There's no place like Chrome. Check responses set up require compatibility and availability varies eighteen plus.

• 31:37Speaker 02

  Say, hey, I'm gone. He did the bullshit again, because, I mean, I always promised in the beginning of our marriage I would never bring up the word divorce, but if this happens ever again.

• 31:47Caleb Hammer?

  Okay.

• 31:48Speaker 02

  I am gone.

• 31:49Caleb Hammer?

  Then why am I being told he cheated on a girl at his sister's wedding?

• 31:52Speaker 02

  So, after I got pregnant, I told you I lost my job. I went through that really dark part of my life, right? Um, I, my dad was like, hey, look, I will pay half of all of the bills if Dean pays the rest.

• 32:07Caleb Hammer?

  Ah, so he pays for half the bills so he gets to go

• 32:09Speaker 02

  Immediately.

• 32:10Speaker 04

  Wait, no. We, realistically, we were not even technically together for a matter of a couple of months. I was proud and excited to be a dad.

• 32:21Caleb Hammer?

  Didn't she just have your kid?

• 32:22Speaker 04

  No.

• 32:23Speaker 02

  I was still pregnant. Okay, so when I was still pregnant, my first doctor's appointment, I got put on bedrest immediately.

• 32:29Caleb Hammer?

  Okay.

• 32:29Speaker 02

  Okay, so I didn't have a job, nothing. I couldn't pay any of my bills. Uh, October thirty

• 32:34Caleb Hammer?

  No, not your wedding, the wedding, your sister's wedding.

• 32:36Speaker 02

  October thirty

• 32:37Caleb Hammer?

  Were you pregnant or did you have the kid already?

• 32:38Speaker 02

  I'd already had her.

• 32:39Caleb Hammer?

  So how do we have a different interpretation of our relationship when she just had your

• 32:42Speaker 02

  That's what I'm trying to explain to you. So he, my dad offered to pay half of the bills if he would pay the other half, so I wouldn't lose my house.

• 32:52Speaker 04

  We were together.

• 32:54Speaker 02

  He refused to do so. He refused to do so, so I had to move back in with my ex-husband.

• 33:01Speaker 04

  Yes, but I said, I wanna, I wanna be

• 33:06Caleb Hammer?

  You wouldn't step up and take care of your kid?

• 33:08Speaker 04

  That's the only thing I said I'd do. I said, I want to be a father, but I am not ready for our relationship. I don't want to be a husband.

• 33:14Speaker 02

  He never told me that. That is bullshit.

• 33:17Speaker 04

  I said, I will, I will give you anything you need to need as a parent.

• 33:23Caleb Hammer?

  Also, I'm not ready is not your choice once you have a kid.

• 33:26Speaker 04

  Well, no shit.

• 33:27Caleb Hammer?

  So what? What do you mean no shit? You chose not to.

• 33:30Speaker 04

  I wanted to be the dad, but I did not want a relationship.

• 33:34Speaker 02

  You sound so stupid. You are living at my house.

• 33:39Speaker 04

  And?

• 33:41Speaker 02

  Why wouldn't you think that's a relationship? I was pregnant with our daughter.

• 33:46Speaker 04

  Mm-mm.

• 33:48Speaker 04

  Not what I wanted at the time.

• 33:49Speaker 02

  Whatever, dude, whatever.

• 33:51Speaker 04

  Sorry, not what I wanted.

• 33:52Caleb Hammer?

  Doesn't matter what you want, you just had a kid.

• 33:55Speaker 02

  I was still pregnant on bedrest, so I had to move back in with my abusive ex-husband.

• 34:00Speaker 04

  Yeah.

• 34:00Speaker 02

  Okay, so I

• 34:02Caleb Hammer?

  And you like that? You like that? You're like, oh yeah, go move in with your abusive ex?

• 34:06Speaker 04

  No. I get it at the time she didn't have a choice, but I was very, very angry about it. Because now that's now my daughter inside of her, living at her crazy abusive ex-husband.

• 34:16Caleb Hammer?

  It's your fault!

• 34:17Speaker 04

  That was not my fault. What the

• 34:19Speaker 02

  Step the

• 34:19Speaker 04

  I was in a I wasn't in a position to support you.

• 34:25Speaker 02

  I couldn't work. You could have stepped up and paid five hundred dollars in rent, a hundred and fifty in electric, so I didn't have to go back to that

• 34:35Speaker 04

  You couldn't do anything. You couldn't drive, you were still on probation, I was paying for your Uber rides. What the could you do?

• 34:42Caleb Hammer?

  Half the bills were offered to be paid, you said no.

• 34:44Speaker 04

  Yeah, I said no.

• 34:45Caleb Hammer?

  That was your choice.

• 34:46Speaker 04

  I did not want to live with her at the time.

• 34:49Speaker 02

  You were already practically living with me!

• 34:52Speaker 04

  That is just a negative environment. I wanted no purpose of being in.

• 34:56Speaker 02

  I was in a dark place, suicidal and pregnant with your daughter. So you don't want to be there?

• 35:00Speaker 04

  Half the stuff you put on yourself. I just wanted my daughter at the time and I was willing to support you in anything it took for that.

• 35:06Caleb Hammer?

  No!

• 35:07Speaker 04

  Yes.

• 35:07Caleb Hammer?

  Not enough for her to not live with her abusive ex? What do you mean supportive of anything? That was anything.

• 35:13Speaker 04

  She's a grown ass woman. If she wanted to, you can get out of it.

• 35:16Speaker 02

  Which I did, on my own.

• 35:17Speaker 04

  Exactly.

• 35:18Speaker 02

  About a month before I had my daughter, I got out, we moved into, uh, my apartment. Me and my son and my daughter.

• 35:26Caleb Hammer?

  So not bro?

• 35:27Speaker 02

  No, no, not at first. I hated him. I didn't even let him, I didn't let him in the labor of the

• 35:31Speaker 04

  She didn't even let me see my daughter's birth.

• 35:32Speaker 02

  I did not.

• 35:33Caleb Hammer?

  Fair, you weren't supporting.

• 35:34Speaker 04

  Fair, that's my daughter.

• 35:36Caleb Hammer?

  That you weren't supporting.

• 35:37Speaker 04

  Bullshit, I supported all the way through.

• 35:40Speaker 02

  Yeah, he did send me money for food, so I could order food or get groceries or whatever the I wanted.

• 35:47Speaker 04

  All her hospital visits, everything like that.

• 35:50Caleb Hammer?

  Except for a place to live.

• 35:50Speaker 04

  I offered.

• 35:51Speaker 02

  No, for a place to live?

• 35:53Speaker 04

  Yes, I said you can move in with my stepmom.

• 35:57Speaker 02

  You told me she said no. By the way, once I had a conversation with her, she said she never told him no that I couldn't move in. He told me. He told me she said no, I couldn't move in with them.

• 36:08Speaker 04

  So I thought it was yes.

• 36:09Speaker 02

  You told me no!

• 36:11Speaker 04

  No.

• 36:11Speaker 02

  Literally.

• 36:12Speaker 04

  No.

• 36:13Caleb Hammer?

  Okay, so you have a kid.

• 36:14Speaker 02

  Yeah.

• 36:15Caleb Hammer?

  You'll live, uh, alone with the kids and he's not there.

• 36:18Speaker 04

  We had to take it to court. We had to take our child to court. Because she wanted to see me and my daughter, she didn't want to put me on the birth certificate, nothing like that.

• 36:26Speaker 02

  I didn't want anything to do with him. I hated him.

• 36:28Speaker 04

  Waiting outside the hospital during her birth.

• 36:30Caleb Hammer?

  So, uh, who's sisters?

• 36:32Speaker 02

  His, his, the

• 36:34Caleb Hammer?

  The bitch was at your sister's wedding.

• 36:36Speaker 02

  Uh, they kissed. They didn't His sisters told me they just kissed. There's been no

• 36:41Caleb Hammer?

  Well, kissing's cheating.

• 36:42Speaker 02

  But apparently to him, we weren't together at that time.

• 36:46Caleb Hammer?

  But that's the thing. It doesn't sound like you were.

• 36:49Speaker 02

  Okay, but yeah, we didn't get to the part, so I eventually like started getting myself together. I got a job at the company I'm at now. He started coming over on a daily basis and then my hate slowly started to go away from him. I'm like, okay, well, I was a bitch. I didn't let him, you know, he wasn't allowed to be in there whenever he had the baby.

• 37:07Speaker 04

  No.

• 37:08Speaker 02

  I felt like we were. He was at my house every night for dinner. He stayed the night. We were like, doing everything that a couple would be doing.

• 37:15Speaker 04

  Before the wedding?

• 37:16Speaker 02

  And then I got pregnant again.

• 37:17Caleb Hammer?

  For how long before?

• 37:18Speaker 04

  Months.

• 37:19Caleb Hammer?

  Oh, then you guys were dating.

• 37:20Speaker 02

  Exactly. Shut the

• 37:22Speaker 04

  You call us dating. It's not a month.

• 37:24Speaker 02

  So stupid. Do you realize how uneducated and stupid you sound?

• 37:26Speaker 04

  I don't know about my gosh.

• 37:28Speaker 02

  He contradicts himself at every

• 37:31Speaker 04

  If it was months you guys were based, almost living together constantly and you had a kiss together, you just got pregnant with another kid, I think you guys were together.

• 37:40Speaker 04

  I can understand that, but it's not exactly what was happening. No.

• 37:43Caleb Hammer?

  It wasn't? What was hap- what was happening then?

• 37:44Speaker 04

  Still not what I wanted.

• 37:46Caleb Hammer?

  What did you want?

• 37:46Speaker 04

  I just wanted to be a dad at the time.

• 37:48Caleb Hammer?

  While you were railing her left and right?

• 37:50Speaker 04

  Yeah. Wanted to be a dad.

• 37:53Speaker 02

  Telling me he loves me, okay?

• 37:55Speaker 04

  Whoa, whoa, whoa.

• 37:56Speaker 02

  Planning dinner.

• 37:57Speaker 04

  You were getting mad when I wouldn't say that. You were telling me over and over and over again.

• 38:02Speaker 02

  That was before I even got pregnant with our first daughter. That was before we got pregnant with our first daughter. Whatever, dude. That was before we got pregnant with our first. So, whatever.

• 38:10Caleb Hammer?

  Why'd you get pregnant with a second?

• 38:13Speaker 04

  If you guys were kind of together, kind of not.

• 38:15Speaker 02

  Hey, I was actually on the marina IUD whenever I got pregnant with the second.

• 38:18Caleb Hammer?

  And that's after he cheated a few years ago. And that's after your wedding, you got him texting with a woman, which he, there he was a little, and he's watching

• 38:28Caleb Hammer?

  I don't understand why we're putting up with it, with me. Like, we have kids. I want you guys to be together for the sake of the kids?

• 38:36Speaker 02

  Because on a day-to-day basis, other than this bullshit, everything else

• 38:40Caleb Hammer?

  Drinking constantly?

• 38:41Speaker 02

  Well, he doesn't drink constant. He doesn't.

• 38:43Speaker 04

  It's a blue moon.

• 38:44Caleb Hammer?

  What's the frequency?

• 38:45Speaker 04

  I have, my issue is, is I've been

• 38:48Caleb Hammer?

  He has an event or whatever you called it?

• 38:49Speaker 02

  He has an episode, yes.

• 38:50Caleb Hammer?

  Like, that's not a normal thing.

• 38:52Speaker 02

  No, it's not. And it's because it's

• 38:54Caleb Hammer?

  Well, he also just starts drinking. Like, he starts drinking and then all this shit happens.

• 39:00Speaker 04

  It's the

• 39:00Speaker 02

  And there's kind of no warning.

• 39:02Speaker 04

  It's when I do it, I just do it explosively, go out the window. Self-destructive.

• 39:06Speaker 02

  But on a day-to-day basis?

• 39:07Caleb Hammer?

  So don't drink, I don't know.

• 39:08Speaker 02

  Yeah, that's true.

• 39:11Speaker 02

  Yep. Can't argue with that.

• 39:13Caleb Hammer?

  Okay, so today, guys, like, okay.

• 39:17Caleb Hammer?

  How do we communicate in this house? How are conversations done? How are the finances talked about?

• 39:23Speaker 02

  He will.

• 39:23Speaker 04

  She does the finances.

• 39:24Speaker 02

  Yeah, we don't really talk about the finances.

• 39:26Speaker 04

  I'll bring home the money, she does the finances.

• 39:28Speaker 02

  I've thrown some hints to help me with the finances.

• 39:31Speaker 04

  We do everything down the middle.

• 39:33Caleb Hammer?

  Not really a breadwinner, because it's like $200 more. So like, don't just say, "I bring in the money."

• 39:39Speaker 02

  Well, he's been working.

• 39:40Speaker 04

  She knows it best.

• 39:40Speaker 02

  On call. He's on, on call, uh, seven days a month, or seven days every three weeks, he's on call. So he brings in a lot of OT.

• 39:48Speaker 04

  That's going off of just if it was 40 hours.

• 39:49Caleb Hammer?

  I mean, I'm just being told he doesn't communicate with you in general. It just doesn't. That's what you're saying in all your pre-interview process.

• 39:57Speaker 02

  Uh, I, I'm just not, I guess, over all, all, all the shit yet with the [bleep] text messages.

• 40:03Caleb Hammer?

  Text messages?

• 40:04Speaker 02

  The, the texting other women.

• 40:05Caleb Hammer?

  He's texting other women?

• 40:06Speaker 02

  Yeah, that's happened quite a few times.

• 40:08Caleb Hammer?

  What? You just said he doesn't?

• 40:09Speaker 02

  As of not like the last two weeks.

• 40:11Speaker 04

  What? When?

• 40:13Speaker 02

  When?

• 40:14Caleb Hammer?

  What are you talking about? What are you [bleep] talking about?

• 40:17Speaker 02

  When?

• 40:17Speaker 04

  Yeah, when?

• 40:18Caleb Hammer?

  Yeah, when? I would like to know as well, when?

• 40:21Speaker 02

  Okay, the bitch from that you met at the beach, okay?

• 40:25Caleb Hammer?

  Okay, I'm sorry, before you continue, how can you say if it happens again, then? If he's cheated four times and now apparently there's texting I didn't even know about? Like, what are you, how are you putting up with it for another time?

• 40:35Speaker 02

  All the cheating mainly is text messages. It's mainly him talking.

• 40:39Caleb Hammer?

  So, okay, if you do it a 20th time, I'm gone. What? What is this texting other women thing?

• 40:46Speaker 02

  I don't know.

• 40:48Caleb Hammer?

  Huh?

• 40:49Speaker 02

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

• 40:50Speaker 04

  You're accusing, but you don't know?

• 40:51Speaker 02

  No, I don't know why he does it, is what I meant.

• 40:53Caleb Hammer?

  What's he doing?

• 40:55Speaker 02

  Just starts random ass conversations with bitches he used to sleep with. I try to talk to him about it, he shuts down, he gets defensive.

• 41:03Caleb Hammer?

  What does he say? What does he do?

• 41:05Speaker 02

  Oh, I don't know, I was drunk.

• 41:07Caleb Hammer?

  Every ti- I thought it's only four times a year.

• 41:09Speaker 02

  Yeah, but this is in the, the four times a year. It's almost every time he has one of these episodes, it's the texting the random bitches that he used to sleep with.

• 41:20Speaker 04

  I think what happens is I just pretty much go back in time and I go into self-destruction mode, self-sabotage mode.

• 41:26Speaker 02

  Self-destruction and self-sabotage has been his excuse with everyone. I let it fly the first few times. He had a [bleep] up childhood, I get it.

• 41:39Caleb Hammer?

  I know that already.

• 41:40Speaker 02

  He hasn't dealt with that, so I allowed that to justify.

• 41:43Caleb Hammer?

  Why would you allow that?

• 41:45Speaker 02

  It's the first times, I'm not anymore.

• 41:46Caleb Hammer?

  Yes, you are, you literally are. In this conversation, you are.

• 41:51Caleb Hammer?

  How many women has he texted?

• 41:54Speaker 02

  Six, maybe roughly, that's just a rough.

• 41:57Caleb Hammer?

  So what are we at?

• 41:58Speaker 02

  No, that's with the other four, that's.

• 42:00Caleb Hammer?

  Okay, so six total.

• 42:01Speaker 02

  Not in addition to.

• 42:02Caleb Hammer?

  So six total, okay, very good. So in the seventh time I'm gone, like, do you understa- that's, it's more than once a year now?

• 42:08Speaker 02

  Yeah, I realize, I realize that. This has also been a span over our entire relationship. It, it's not just like boom, boom, boom, boom, boom, in one year. This is a span over our entire relationship, yeah.

• 42:19Caleb Hammer?

  Yeah, that's what I said, it's like more than one time a year now.

• 42:22Speaker 02

  Yes.

• 42:22Caleb Hammer?

  Well, it's like one time a year.

• 42:23Speaker 02

  Yes.

• 42:24Caleb Hammer?

  So we're waiting for next year and then that's it? Like, because that's what's happening?

• 42:28Speaker 02

  Yeah, I can't argue with that.

• 42:29Caleb Hammer?

  Now, when you say he doesn't communicate with you.

• 42:31Speaker 02

  I can't argue with it.

• 42:32Caleb Hammer?

  When you say he doesn't communicate with you, what does that mean?

• 42:35Speaker 02

  He got defensive, like, I would bring it up, like, because I'm obviously not over it.

• 42:39Caleb Hammer?

  Why would you be? It's once a year.

• 42:41Speaker 02

  So.

• 42:42Caleb Hammer?

  It's like upcoming.

• 42:43Speaker 02

  No, that's shit with my best friend, because now I'm going all this.

• 42:47Caleb Hammer?

  That was four months ago. Yeah, it was four months ago, why would you be over it? That's crazy, I wouldn't be over it, are you kidding me? Sleeping with my best friend, that would be why?

• 42:54Speaker 02

  Not only have I, I have to question my marriage now, again.

• 42:58Caleb Hammer?

  Yeah, once a year.

• 43:00Speaker 02

  I just lost my friend, and in turn, my kids lost their friends, because Becky's, it's our friends with my kids.

• 43:08Caleb Hammer?

  Bro, so selfish of you.

• 43:10Speaker 02

  So I have kind of kept up conversation with Becky, because I didn't know how I wanted to approach it.

• 43:16Speaker 04

  She brings up old shit.

• 43:17Caleb Hammer?

  Four months ago.

• 43:18Speaker 04

  Old shit, though.

• 43:19Caleb Hammer?

  Four months ago is not that old.

• 43:21Speaker 04

  Even before all that, though, she's just recurs all the things I've done in the past, just brings it back up, brings it back up.

• 43:27Caleb Hammer?

  When women do that is very annoying, but you do it once a year.

• 43:30Speaker 02

  Maybe if you want so defensive, when I tried to talk to you about it, so I can try to work through it, you give me no grace to try to work through it for me.

• 43:41Caleb Hammer?

  Well, what's work through for you? What do you want to see from him?

• 43:44Speaker 02

  I want him to put forth the effort to find a therapist.

• 43:48Caleb Hammer?

  Okay.

• 43:48Speaker 02

  Go to therapy.

• 43:49Caleb Hammer?

  How long have you been asking for that?

• 43:51Speaker 02

  Stop [bleep] drinking liquor. Well, I, I mentioned it in the previous times that shit, like, you know, the messages happened, I mentioned it. I didn't demand it. This last four months, the, the, the thing with Becky, I demanded that he go to [bleep] therapy, because this was it.

• 44:08Caleb Hammer?

  And?

• 44:08Speaker 02

  He still has not done it.

• 44:09Caleb Hammer?

  Of course not, so again, this is.

• 44:11Speaker 04

  We have an entire fleet to take care of. I'm not going to prioritize therapy just this minute.

• 44:17Caleb Hammer?

  Which means you're not prioritizing your wife, because that's what she's requested.

• 44:20Speaker 04

  If anything, she needs therapy, I need therapy, we all need therapy.

• 44:24Speaker 02

  I could probably use therapy, I'm not going to argue with that, but you're trying to turn the focus off of me, or off of you and onto me.

• 44:32Caleb Hammer?

  So he gets defensive?

• 44:34Speaker 02

  Defensive, so defensive.

• 44:35Caleb Hammer?

  But what happens in that? That's what I'm asking.

• 44:38Speaker 02

  Immediate irritability and just wants to walk away from the conversation. And generally, I let him, because we have four kids and I don't want them to, they've never seen us fight, ever. And I don't want them to ever see that. So I will drop it until I feel ready to talk about it again.

• 44:55Speaker 04

  Well, I have hear how you guys communicate. This is how the communication, if you can't adequately describe it to me, this is how it is.

• 45:03Speaker 02

  But that's basically the, just the, I get more out of that texting. Is that this last Monday?

• 45:09Speaker 04

  It says Monday, so I'm taking it, I mean, I assume you sent in the screenshots, uh, very recently, so it's either a week or two weeks ago.

• 45:15Caleb Hammer?

  But you sent it Monday?

• 45:16Speaker 04

  It is Thursday, here we go. Here's Monday, from her. "Are you jacking off to live cams?" exclamation point, question mark. He says no.

• 45:27Caleb Hammer?

  She sends a screenshot with a security login.

• 45:31Speaker 02

  To spank.com or some shit like that.

• 45:34Caleb Hammer?

  Uh, Apple iPhone device. Uh, oh yeah, to spankbank.com. Never even heard of it, let's see what's going on.

• 45:41Speaker 02

  The first thing that pops up is the [bleep] live cams. Once I've seen that, I just.

• 45:44Speaker 04

  Those are the little extra tabs that pop up any time.

• 45:47Caleb Hammer?

  Spank?

• 45:48Speaker 04

  Because I was on Reddit.

• 45:49Speaker 02

  Oh, bullshit.

• 45:50Speaker 04

  And I was scrolling through it.

• 45:51Caleb Hammer?

  spank.com, spank.

• 45:53Speaker 02

  And then you just signed into it?

• 45:56Speaker 04

  Well, it takes you to the third link, an extra link.

• 45:58Speaker 02

  Okay, you have to click sign in to your, from your Google account.

• 46:02Speaker 04

  I was looking up sex scenes from movies on Reddit, and then it sent you all these links.

• 46:07Caleb Hammer?

  Because you have to log in in here, because it has the age verification thing. You're lying, you're lying.

• 46:12Speaker 04

  I never went directly to spank.

• 46:14Caleb Hammer?

  That's not possible.

• 46:16Speaker 04

  It is.

• 46:18Caleb Hammer?

  What?

• 46:19Speaker 04

  I'd never log into. You could have seen it through whatever the tabs or the history or whatever.

• 46:24Caleb Hammer?

  This is not how this works. "Look, I love the holidays. Food, family, pretending I'm not going to destroy my routine for two straight months. Great time, but the absolute worst case scenario is getting sick right before something you actually care about, and then calling around for a doctor and hearing, 'Cool, we can see in three weeks. Fantastic.' By then, the season's over. That's why this part of the video is sponsored by Zocdoc. Zocdoc is a free app and website that helps you find and book high-quality in-network doctors so you can find someone you love. You can search local doctors, compare real patient reviews, check detailed profiles, and actually see appointment openings before you book. Which is huge, because appointments can happen fast, usually within 24 to 72 hours, and sometimes even the same day.

• 47:08Caleb Hammer?

  So instead of panic Googling when you feel terrible, you can already have somebody picked who works for you and your insurance. Head to zocdoc.com/caleb to find the care you need so you can spend less time searching and more time with the people who matter most. That is z-o-c-d-o-c.com/caleb, zocdoc.com/caleb. All right, back to the mess. Guys, you've known me since the beginning, and the fact is, I just love building products that help people, and we're continuing to do that with Caleb Hammer Financial Services. Listen, now you got personal loans that you can get the best rates on forever you want to use it for, whether it's consolidation after you change your behavior, or you need to purchase something that gets a good return on investment. And now we got credit building as well. You can shop for the best credit builders that are either free or low cost to you,

• 47:53Caleb Hammer?

  and build that credit. We got debt forgiveness and debt consolidation as well. We got auto loans for your new car that are great rates. Or you can refinance your horrible auto loan today. And not only that, now you can shop for the best car insurance out there. The thing is, we are building more and more of these to help you get the best tools and services that you can possibly get online at the best rates. So check those out at calebhammer.com. All those links are below in the Caleb Hammer Financial Services. Check them out, save yourself a lot of money. Like, bro, just own it, I don't know what to tell you, you guys are [bleep] her. And then you said nope in response to the screenshot. She says, "Babe, I looked it up, I don't know why you always lie to me about this shit." Says, "I'm not jacking off." She says, "Okay." Then, watch it.

• 48:40Caleb Hammer?

  He says, "Yes, but nothing live."

• 48:44Speaker 04

  Yeah, nothing live.

• 48:45Caleb Hammer?

  Does that change it?

• 48:46Speaker 04

  Yeah, it does, that live thing, that's an interaction thing, that doesn't do it for me, absolutely not. Remember, like I said?

• 48:51Caleb Hammer?

  That's not the point of what she's complaining about.

• 48:54Speaker 04

  I understand what she's complaining about.

• 48:56Caleb Hammer?

  This was Monday. This was Monday, dude. Monday, it's Thursday.

• 49:03Speaker 04

  That was last Monday, right?

• 49:04Speaker 02

  Yeah.

• 49:04Caleb Hammer?

  Okay, oh, okay, very good, a week and a half ago. Okay, uh, here's from 90s ago. "I'm struggling, babe." What if you could run your Oracle database?

• 49:14Speaker 02

  In the cloud you already use. Good news, you can. Oracle AI database runs in every major cloud, including AWS, Google Cloud, Microsoft Azure, and OCI. Migrate your Oracle databases to the cloud of your choice today, simply, securely, and on your terms. Find out how at oracle.com/migrate. That's oracle.com/migrate. Oracle.com/migrate.

• 49:41Caleb Hammer?

  I'm so sick the trust. I'm so sick of the trust breaking and the lying. Makes me question everything. Makes me question on how far you in.

• 49:52Caleb Hammer?

  We're believing it, but, but.

• 49:53Speaker 02

  Becky.

• 49:54Caleb Hammer?

  We can't lie to ourselves and say this hasn't been a constant issue our entire relationship. Yeah, once a year, by the way. You said, you say all the right words, give all the right promises, then just poof out of nowhere, you break it. I was beyond reasonable and rational in the Becky situation, and I shouldn't have been. Yeah, reasonable. What do you mean? Reasonable is leaving. I'm sorry, best friend, best friends of the kids down the street eating box? No, but like you, I'm, the fact that you stayed is crazy. You keep doing this. That betrays my trust after multiple conversations about it, because there has been no consequences. It hasn't broke you in any way, but it has destroyed me.

• 50:38Caleb Hammer?

  I thought life was beautiful, but you had to ruin it every time. Turn around, you did what you wanted with Becky. It wasn't even that long ago. And that's true, it wasn't even that long ago. So he comes back. I have no interest in Becky. You are and always will be my love of my life. I truly love our marriage and what we have. Not a single doubt in my mind. I am memorized by you every morning I get to wake you up, because you are everything I could ever ask for. And then some. I am sorry I upset you. I was horny last night, so I went on Reddit and looked up sex scenes in a movie. I'm sorry. That's not the big issue. The big issue is that you fucking Becky!

• 51:20Speaker 04

  There was no.

• 51:21Caleb Hammer?

  We do not know.

• 51:22Speaker 04

  It's very possible, but I'm telling you, there's, there's no.

• 51:24Caleb Hammer?

  You're not knowing. You can't promise me something that you say you can't remember when I ask why you did it and what you did. You can't say, I don't remember because I was drunk, so I don't remember what I did, but I know I didn't do something.

• 51:34Speaker 02

  I just don't see it.

• 51:35Caleb Hammer?

  Her pants were down.

• 51:36Speaker 02

  I mean, I can show you how described it to me.

• 51:40Caleb Hammer?

  Why would the 10 year old lie?

• 51:42Speaker 02

  That's what I said.

• 51:43Speaker 04

  He's lied a lot in the past.

• 51:44Speaker 02

  But then, yeah, I had to gaslight my son. But why would he, don't do that shit. Do, do.

• 51:50Caleb Hammer?

  If anything, you were.

• 51:50Speaker 02

  Do not villainize him. Do not villainize him like he was trying to start a problem. Mm-mm. But I mean, the way described her pulling up her shorts, I was like, the next day when I was cleaning, I was like, okay, well, we both wear those like tight yoga shorts. I adjust mine all the time. Maybe that's what he's seen. I was like trying to convince myself.

• 52:11Caleb Hammer?

  Bro, they're making out. Don't gaslight yourself. You're allowing them to do that?

• 52:14Speaker 02

  But I basically had to do it to.

• 52:16Caleb Hammer?

  Liar. Come on. She comes back. You're always horny for everyone else but me. We have sex like once a month, if I'm lucky. But the first opportunity you've left with another woman alone, you do that stupid shit. And you lie. My gosh, you lie constantly. You know how ridiculous I feel being jealous of her? It gets more sexual attention than I do. You lie to me until I drop proof that I already know the truth. Exactly. You just did. She had to send screenshots that you were logging in, dude. You're a liar. Why are you a perpetual liar? What else happened with Becky? Why was she pulling her pants up? Bro's not gonna be able to respond.

• 52:56Caleb Hammer?

  He's gonna probably say he was drunk. Let's see. He says, I told you everything I possibly could remember. Why is this a topic right now? Well, because you just cheated on her a couple of months ago.

• 53:05Speaker 04

  Sure, but you're not bringing it up when I don't remember.

• 53:09Caleb Hammer?

  Well, she brought it up because you were jerking off the, when she already has an issue with that.

• 53:12Speaker 04

  I understand that, but there's gonna be no new facts that just pop up every time she brings it up.

• 53:18Speaker 02

  As if like I'm cooking dinner and like, what the else happened with Becky?

• 53:21Speaker 04

  That's exactly how it happens.

• 53:23Speaker 02

  You're so full of shit.

• 53:25Caleb Hammer?

  Well, here's the reality.

• 53:26Speaker 04

  It's a damn good day. A damn good day and like.

• 53:29Caleb Hammer?

  Here's the reality, friends. We talked to Becky. And she has a different story than either of you even know. And we'll hear that in the post show. So be prepared.

• 53:42Speaker 02

  Interesting.

• 53:43Caleb Hammer?

  Huh. Because she was covering her ass when she talked to you. The full truth exposed.

• 53:47Speaker 02

  Because she's a pussy and now she needs a fast beat?

• 53:50Caleb Hammer?

  Yeah, probably.

• 53:52Speaker 04

  Cool.

• 53:52Caleb Hammer?

  Luckily, she can't hear this part, so she's not gonna feel threatened to not tell us. Uh, so you respond. Oh God, do lie to me. Y'all do lie to me. Y'all were in the garage for an extended period of time. That's true.

• 54:05Speaker 02

  I meant, don't lie to me. Yeah.

• 54:07Caleb Hammer?

  He says, I seriously do not remember. So you come back. So you could have her, fingered her, because before you stood on the hill that nothing but a kiss happened. And you're positive, positive about it. It's a topic because once again, you lied to me until I showed you proof. I've told you multiple times how I feel like you'd rather jack off than have sex with me. I've told you how many times of how I want slash need to have more sex. And it's done the damn opposite. We have sex once in three weeks. You're supertyping.

• 54:42Speaker 02

  Yeah, so I was working.

• 54:45Caleb Hammer?

  And you spent, you were working while doing those.

• 54:47Speaker 02

  Yes.

• 54:47Caleb Hammer?

  And you spend the rest of the time jacking off and hide and lie about it.

• 54:53Speaker 02

  Yeah.

• 54:54Caleb Hammer?

  Again, missing text messages, but okay.

• 54:57Speaker 02

  And I use voice.

• 54:58Caleb Hammer?

  And the screenshot I sent you wasn't blah, blah, blah, something on Reddit not too long ago. I don't know what to do. I don't know what to say. Every time I catch you in a lie, it rips everything wide open and makes me question everything. I don't want to be this person. I don't want to feel like this. It makes me feel like I unintentionally trapped you with kids. I mean, honestly, probably. And if it wasn't for them, you wouldn't have stayed with me. I mean, probably, I mean, dude's good looking. You go out there and tear puss. You told me you wanted to leave me for. He told you he wanted to leave you for someone?

• 55:33Speaker 02

  Yeah, that was way at the beginning when I thought we were in a relationship and he said we weren't. This is like way long ago.

• 55:39Speaker 04

  And I was connected to this gal for 10 plus years.

• 55:42Speaker 02

  He said he was trying to hurt me. That was his intention in saying that.

• 55:45Caleb Hammer?

  Guess what? He probably would have if he didn't get knocked up.

• 55:47Speaker 04

  There's no knowing.

• 55:48Speaker 02

  Didn't pull out.

• 55:50Speaker 04

  There's no knowing.

• 55:51Speaker 02

  So whatever.

• 55:51Speaker 04

  There's no knowing. We're in our life now.

• 55:54Caleb Hammer?

  But then I ended up pregnant again. Again. So this is after the first kid. He's had this.

• 56:01Speaker 02

  That was with Squishy.

• 56:01Caleb Hammer?

  Produces a baby with her and says, I wish I left.

• 56:07Caleb Hammer?

  Insane name, by the way.

• 56:10Caleb Hammer?

  He says, I am entirely yours forever. I'm never changing my mind. Every day I wake up, I am committed to make us better. We is the sole purpose. Why I do what I can for a phenomenal future. I would be utterly lost without you. You say, I know you do. Just trying to dive in and consume myself in you. See, these are actions. We have multiple conversations, arguments. Oh my goodness, the wall. Oh my gosh.

• 56:38Caleb Hammer?

  Brother.

• 56:43Caleb Hammer?

  What the?

• 56:46Caleb Hammer?

  What are we doing here?

• 56:48Speaker 04

  I'm not a responder, as you can tell.

• 56:51Speaker 02

  Yeah, well, because I sit in my office and I.

• 56:53Speaker 04

  I'm gonna add it. When this is getting sent to me, I'm not gonna respond to you.

• 56:57Speaker 02

  Because if I, if I can get more out of him by texting him, don't you think I'm gonna text him? Like, I get more from texting than in-person conversation.

• 57:07Caleb Hammer?

  Exactly. Now you're talking about pulling up pants again, but there's even more in here saying, and you've learned how to permanently delete shit since I caught you doing stupid shit multiple times.

• 57:17Speaker 02

  Mm-hmm. He has.

• 57:18Speaker 04

  The only thing that's been deleted in the past is the, because I know she doesn't like it. She doesn't like it, so I don't want her to be bothered by it.

• 57:26Speaker 02

  I don't know that, because he deletes it.

• 57:29Caleb Hammer?

  So you feel broken? You don't know how to fix it? You ask it if it makes sense. He doesn't respond.

• 57:36Caleb Hammer?

  Oh my gosh. She names, she names drops multiple women.

• 57:42Caleb Hammer?

  Met up in Rock.

• 57:43Speaker 04

  That's a long time.

• 57:44Caleb Hammer?

  For two months after we got married.

• 57:47Caleb Hammer?

  He met up with a woman.

• 57:48Speaker 02

  Yeah, that's what I was trying to tell you earlier. We started screaming at me.

• 57:50Speaker 04

  We've already talked about them. They're already long gone.

• 57:53Caleb Hammer?

  Yeah, yeah, yeah, but it's repeated. That's the thing. Those ones are long gone. Four months ago, it wasn't.

• 57:58Speaker 02

  I moved past it, but then you go and do something else stupid. So how can I?

• 58:04Caleb Hammer?

  So after all this.

• 58:05Speaker 02

  Completely move past it.

• 58:06Caleb Hammer?

  After all this, three blocks of texts, and she doesn't know what to do. She feels horrible. You're all bad. Your response is, we truly are happy.

• 58:14Speaker 04

  We are. We have a damn good life.

• 58:17Caleb Hammer?

  That is not what she just expressed in multiple pages of text blocks.

• 58:23Speaker 04

  It comes down to.

• 58:24Caleb Hammer?

  We truly are happy.

• 58:26Speaker 04

  After the shitstorm we have gone through back and forth with one another in our lives, we have a damn good life.

• 58:32Caleb Hammer?

  Couple months ago, you.

• 58:34Speaker 04

  I understand it. It's a work in progress.

• 58:36Caleb Hammer?

  You're blasting her best friend is not a good life.

• 58:40Caleb Hammer?

  Her best friend wasn't even a random woman. It was her best friend.

• 58:42Speaker 04

  If you call that a best friend.

• 58:44Caleb Hammer?

  She's my only friend. My literally only friend. Then, yeah.

• 58:49Speaker 02

  I have one friend from 14 years ago that I grew up with, and then all I had was Becky down here, or, you know, Corpus. That was it.

• 58:58Speaker 04

  Now we're down.

• 58:59Speaker 02

  That one right up. And apparently there's more. I don't even know.

• 59:02Caleb Hammer?

  Oh, there is, including messages between them. Before that instance. Oh, yes. But we'll get into that in the post show. I'm sorry. I don't want to ruin your entire life, but like you're not gonna have a fun post show.

• 59:15Speaker 04

  How many messages?

• 59:15Speaker 02

  Why is that funny?

• 59:17Speaker 04

  It's not funny. I just wish I knew.

• 59:21Speaker 04

  Just wish I knew.

• 59:22Caleb Hammer?

  Brother, they're messages. You can look at them.

• 59:25Speaker 04

  I don't have any messages.

• 59:27Caleb Hammer?

  How you feel?

• 59:30Speaker 02

  Scared.

• 59:31Caleb Hammer?

  Yeah?

• 59:34Caleb Hammer?

  Why are you scared? Just talk to me.

• 59:38Speaker 02

  Because this is my life. This is my husband.

• 59:48Speaker 02

  I have four beautiful babies.

• 1:00:05Speaker 02

  I thought we had touched base on everything before we came here that way. This wouldn't ruin our marriage.

• 1:00:14Speaker 02

  Can I please step out?

• 1:00:16Caleb Hammer?

  How you feeling? How you feeling?

• 1:00:18Speaker 02

  Shaky, nervous, sick.

• 1:00:22Speaker 02

  Thank you. I'm gonna go through the messages, see if you've ever seen him before. I'm not a crier, believe it or not.

• 1:00:28Caleb Hammer?

  Well, no, this is huge.

• 1:00:30Speaker 02

  Shit, and to a fault.

• 1:00:33Caleb Hammer?

  This is huge. This is very intense. This is real. This is, this is big stuff. So it's okay.

• 1:00:41Speaker 02

  On a day to day, Billy, our life is beautiful. Our kids are amazing. We're happy.

• 1:00:47Caleb Hammer?

  No one's suggesting not so.

• 1:00:48Speaker 02

  We are.

• 1:00:51Caleb Hammer?

  It's usually the big moments, right?

• 1:00:58Speaker 02

  I thought I was prepared. I really did. I literally watch you all day long. When I'm at work, I have y'all playing, watching all of y'all's shows. I listen to my headphone, do my work. It's like, I'm prepared. I got this. I know all the problems in our marriage, like, it's gonna be okay. We're gonna talk through it. We're gonna...

• 1:01:16Caleb Hammer?

  What's going through your head right now?

• 1:01:19Speaker 02

  Wondering if he'll actually get the help that he needs and, um...

• 1:01:24Caleb Hammer?

  Why isn't it all about helping him, not about helping you?

• 1:01:28Speaker 02

  Cause him and my kids are my world.

• 1:01:33Speaker 02

  I'm with him before myself. All of us.

• 1:01:37Caleb Hammer?

  Hey, but without you, what's gonna happen to the kids?

• 1:01:41Speaker 02

  He's good.

• 1:01:43Caleb Hammer?

  Sure, until once a year.

• 1:01:45Speaker 02

  Yes. And that is a concern. You know, I were to die tomorrow.

• 1:01:53Speaker 02

  It is a concern.

• 1:01:55Caleb Hammer?

  This admitted wanting to leave you for someone else. He went and was with your best friend and the, the shit she has to say. I mean, I actually didn't know what it was, but, Devin just told me. All you guys said that, cause I was like, how bad is it? It's really not good. It's very bad.

• 1:02:13Caleb Hammer?

  The post-show is very bad.

• 1:02:16Caleb Hammer?

  So like,

• 1:02:18Caleb Hammer?

  your priority, I...

• 1:02:22Caleb Hammer?

  If you choose to prioritize him, that's your choice.

• 1:02:25Speaker 02

  Yeah. Can't get my damn glasses clean.

• 1:02:28Caleb Hammer?

  Well, it's supposed to be using a...

• 1:02:29Speaker 02

  Well, I didn't bring a cloth. My scrub.

• 1:02:35Caleb Hammer?

  You wanna go back in there?

• 1:02:36Speaker 02

  Yeah, yeah, I see that.

• 1:02:38Caleb Hammer?

  How are we feeling?

• 1:02:42Speaker 02

  I'm scared.

• 1:02:44Caleb Hammer?

  That's fair.

• 1:02:46Speaker 02

  I don't know, um, can't stop shaking. I don't know what's gonna happen. I, I have...

• 1:02:52Caleb Hammer?

  You know we're calling her, right?

• 1:02:53Speaker 02

  Yes, yeah, Devin told me. Which I thought that I would, knew what she was going to say. I, I thought that I knew everything. I thought that I found it all out.

• 1:03:04Caleb Hammer?

  Nope. So we're gonna go through the finances, cause I do wanna budget the household and the reason is, is like, this impacts everything, right? This amplifies everything. Your lack of trust, your lack of communication. Finances is one of the leading causes for divorce in this country. Invidelity certainly would be as well. I don't know a leading cause, but if someone does infidelity, they're probably getting divorced. So take this, take that.

• 1:03:29Caleb Hammer?

  If we don't get either of these things under control, we're done. And that's why we do this get to know you section at the beginning. Helps me understand what's going on. Your relationship, your dynamic, your backstory, all that good stuff. That's gonna impact everything here. And this is big. It's a big stack. What do you guys think your financial score is? Zero to 10, zero being the worst, 10 being the best?

• 1:03:48Speaker 02

  I already did the Hammer score thing on your website. Uh, it's zero. Just, let's just bring it to zero.

• 1:03:55Caleb Hammer?

  Well, you can take that score for free, the Hammer Financial Score. And take the assessment at CalebHammer.com. Just takes a few minutes. You get to see where you stand in the world of finances in great detail. And if you don't wanna be like a guest who ends up on the show, make sure you download the Dollar Wise Budgeting app. It is the best budgeting app for the average American. None of the over complicated bullshit where you stop using it after a few weeks, few months. You'll use this forever. That's what everyone's been doing. And if you like it after the free trial, make sure you sign up for the annual version. Most people do because it saves nearly 50% on your money. So check that out, dollarwise.com or just download it. All those links are below. All right.

• 1:04:32Caleb Hammer?

  How do you feel sitting next to him right now? As we're going into this. You're sitting next to him.

• 1:04:39Speaker 02

  Can't even look at him right now.

• 1:04:41Caleb Hammer?

  I don't blame you. You have anything to say before we go into the finances?

• 1:04:43Speaker 04

  I just wish I knew. Just wish I knew. Aren't they... We're talking about finances at this point?

• 1:04:49Speaker 04

  Are we in finances now?

• 1:04:50Caleb Hammer?

  We're in finance mode.

• 1:04:51Speaker 04

  Sheesh.

• 1:04:52Caleb Hammer?

  This is the finance part of it. Now I know you guys. Now I know your story, your, your relationship. I'm having a lot of Zip pays. Who's Zip paying?

• 1:04:59Speaker 04

  Oh, she's a zipper.

• 1:05:01Caleb Hammer?

  I don't even, I barely even know like how you're using this.

• 1:05:04Speaker 04

  She's a big zipper.

• 1:05:05Speaker 02

  So I, you know, I do a lot of Amazon, like for my kids' school clothes. I did, I did their Halloween costumes. I did,

• 1:05:15Speaker 02

  school supplies. That way it's not such a big chunk of our money coming out at once. Cause what I'm really, really struggling with, with our finances is how we get paid weekly and all my big bills hit in the, you know, the end of the month and the beginning of the month. So it just...

• 1:05:30Caleb Hammer?

  Saying this was all school supplies? Come on.

• 1:05:31Speaker 02

  Some of it was, not all of it.

• 1:05:33Caleb Hammer?

  Yeah, fuck off. I mean, I'm having a lot of Amazon. What if I went through your Amazon? Pull up your Amazon. What would I see?

• 1:05:39Speaker 02

  Clothes for my daughter.

• 1:05:41Caleb Hammer?

  Oh, let's see.

• 1:05:42Speaker 02

  They're, they're in the, they're in the cart unchecked.

• 1:05:45Caleb Hammer?

  I won't see.

• 1:05:47Speaker 02

  They're for winter.

• 1:05:49Caleb Hammer?

  Well, that's the cart. These are things you purchased. You don't purchase things that are in the cart that are still in the cart.

• 1:05:57Speaker 02

  What? Uh-oh.

• 1:05:58Caleb Hammer?

  The zips, the way you've done this is crazy. So it's all paying for, which is making your minimums payments beyond unaffordable.

• 1:06:06Speaker 02

  A month in Zip payments. I had...

• 1:06:08Caleb Hammer?

  In insanity.

• 1:06:09Speaker 02

  I know it's stupid.

• 1:06:10Caleb Hammer?

  That's insanity. How do you, what do you feel about that? Do we care about your opinion? Yeah, sure, why not?

• 1:06:16Caleb Hammer?

  What do you think about that? The fact that she's zipping all this. Well, you don't get involved with the finances. What do you think's gonna happen?

• 1:06:22Speaker 02

  I logged into the wifi, but it's not connecting.

• 1:06:24Speaker 04

  With the finances. I know she's gonna choose what she thinks is best to use them for.

• 1:06:27Caleb Hammer?

  You trust her? This is what trust is led to.

• 1:06:29Speaker 04

  Hmm, most of them are for the kids.

• 1:06:33Caleb Hammer?

  Even if it's for the kids, there's a right way, wrong way, and this one's fucking you.

• 1:06:36Speaker 02

  This is wrong. It's completely, I will, I will not justify this at all. At all. It got out of hand.

• 1:06:44Speaker 04

  I wouldn't justify, but what many options do we have left?

• 1:06:48Caleb Hammer?

  Uh, use it with the money you bring in, cause you guys make actually decent, decent money for the area. You guys are fine. You guys are at or slightly above the median household income for Corpus Christi.

• 1:06:58Speaker 04

  I don't just say, I don't see how that's possible, cause it always just seems like we're just breaking even within a matter of days.

• 1:07:03Caleb Hammer?

  Yeah, that's what it seems like. You know why it seems like that? Cause she has zipped everything and that leads to a $700 a month payment. And then she re-zips, cause guess what? You pay off Zip. Every...

• 1:07:15Speaker 00

  This episode is brought to you by Google Chrome. You think you know a browser, but Gemini and Chrome, that's new. It can help you with practically anything on the web, like restoring a vintage motorcycle from a 50-page restoration blog, or finally break down that long article you've had open for weeks. Gemini and Chrome is here for it. Ready to make anything online make sense? There's no place like Chrome. Check responses set up require compatibility and availability varies 18 plus.

• 1:07:40Caleb Hammer?

  Couple months with that payment, cause what's totally owed on Zip is $1,331.91, just about. Just about. But the $700 a month, that's paid off every couple months, but after she gets rid of a Zip, she re-zips.

• 1:08:00Caleb Hammer?

  That's funny. That's why it feels like you can't get anywhere, cause there's minimum payments that you can't afford at all, across the board.

• 1:08:11Caleb Hammer?

  Earwax cleaner. No, I don't wanna see your fucking cart. You're purchasing, but I'm glad we're gonna get an earwax cleaner. The critical necessities of fucking life.

• 1:08:19Speaker 02

  My daughter has tubes, so I have to keep the wax, cause I had to take her to the ENT, cause the wax had literally blocked her eardrum and she couldn't hear.

• 1:08:26Caleb Hammer?

  We're getting bracelets and rings. We're getting bracelets and rings. We're getting lots of different colored things, lots of fingernail things, feet scrubbing things, feet scrubbing things, cushions and camping tents. My room is all back to school topping. I'm getting all the back to, I'm Zip, you're zipping tents. You're zipping air mattresses. It's funny, they're laughing.

• 1:08:46Speaker 04

  I will say, I kinda enable her though, cause you, she does...

• 1:08:49Caleb Hammer?

  No fucking shit, you don't know what's going on, dude.

• 1:08:51Speaker 04

  Permission and I just feel like she fucking deserves it. Take it, get it.

• 1:08:55Caleb Hammer?

  Lots of phone cases and chargers and toys, demon hunter toys, demon hunter toys, demon hunter toys. Earphones, earphones, toys, toys, toys, toys, phone things, phone things, nails, nails, toys, toys. Get back to school. That was a fucking line.

• 1:09:09Speaker 02

  It's further down.

• 1:09:10Caleb Hammer?

  I don't care. You're zipping that. The minimum payment that you cannot afford for that, we're laughing. You guys actually not give a fuck?

• 1:09:16Speaker 02

  No, it's, I do care. I'm laughing at the ridiculousness.

• 1:09:20Caleb Hammer?

  About the fact that you cannot afford life, why do I care if you afford life then?

• 1:09:25Speaker 04

  I wanna see us that, I just need to know a better way. I just need to know, know a better way.

• 1:09:30Speaker 02

  I promise I'll stop bearing zips.

• 1:09:31Caleb Hammer?

  Bro, you handle the money.

• 1:09:33Speaker 04

  What can I do different?

• 1:09:34Caleb Hammer?

  You can hold each other accountable. You sit down, you look at the budget, you have the goals, you know what's left over. You can control your own spending and have a say in her spending. What do you mean? What can you do different? Talk, communicate, sit down. Why won't he? Why won't he talk about finances? From your perspective, why?

• 1:09:55Speaker 04

  We've talked about finances for years and I just, it's never changed.

• 1:09:58Speaker 02

  I bring it up, but I always make the joke of, if I die, he'll, he won't know how to pay our bills, because he doesn't know where all of our bills were. But I say it as like a kind of a passive aggressive thing. This is why I need your help, Caleb. This is why I need your...

• 1:10:13Caleb Hammer?

  Help, that's what I'm, that's why I'm asking you a question, so you can actually answer it and I have a little bit of insight. Why do you think he's not involved in the finances? What a way you turn that question around.

• 1:10:23Speaker 02

  Sorry. Um, I don't think there's a particular reason of just, I don't, I don't think he has.

• 1:10:30Caleb Hammer?

  No, as good as it's with, with her, not instead of her.

• 1:10:36Speaker 02

  It would be nice, it would be nice to have you be a part of it to where it's not solely on me, to where I'm like stressing each week that, you know, we can't make this bill or that bill. Like it would be great for you to be involved in that and help take off the load.

• 1:10:53Caleb Hammer?

  You just go down the street and make out with the neighbor. Are you even involved in this house, in this marriage, in anything? You don't communicate. The only way you communicate is texting and guess what? There wasn't even communication. It was all blue bubbles of fur.

• 1:11:07Speaker 04

  Well...

• 1:11:08Caleb Hammer?

  You're not there. You're not a husband. You're not a partner.

• 1:11:16Speaker 04

  I don't know. I see differently.

• 1:11:18Speaker 02

  I do need him to help me. I do. I need him to help me.

• 1:11:22Caleb Hammer?

  What's your differently?

• 1:11:23Speaker 02

  I'm not talking about the chores you do around the house. Yes, you're wonderful at that.

• 1:11:28Speaker 04

  I attend to the kids.

• 1:11:29Speaker 02

  This part of it though is like... A whole other level of stressful granted.

• 1:11:33Caleb Hammer?

  We've already tried to change it. I even cut back my nicotine, not yours.

• 1:11:38Speaker 02

  I will give you that.

• 1:11:39Caleb Hammer?

  My nicotine to save us an extra 250 a month.

• 1:11:42Speaker 02

  By the way, mine's like 25 bucks, 50 bucks every three weeks.

• 1:11:46Caleb Hammer?

  Same results every payday.

• 1:11:48Speaker 02

  Your nicotine was like $400 a month.

• 1:11:50Caleb Hammer?

  It doesn't matter. I still said I would cut back on my end so you wouldn't have to and nothing's changed financially. That's 250 extra bucks that goes in monthly and nothing's changed. It looks exactly the same.

• 1:12:04Speaker 02

  Well then be a part of it.

• 1:12:06Caleb Hammer?

  That was me being a part of it. I stepped up on that end.

• 1:12:10Speaker 02

  Where's our electric bill at? Where's our electric bill? Where do you pay our electric bill? How much is our average electric bill? Do you know any of this? No.

• 1:12:18Caleb Hammer?

  I still took the initiative on some, I said, I told you a while back I'd give up on your nicotine and all this, all the extra stuff that we need to do.

• 1:12:24Speaker 02

  All the stress that you caused me with you constantly talking to other bitches. I'm gonna keep my nicotine. Says the guy that says I don't remember what happened.

• 1:12:35Caleb Hammer?

  That's not a cop out. I've never said, that's a fact. I don't remember and if I don't remember, I don't remember.

• 1:12:41Speaker 02

  Stop.

• 1:12:41Caleb Hammer?

  That's why we're here to know the truth.

• 1:12:44Speaker 02

  You're not gonna try to turn this situation because yes, I spoil our kids. 90% of the shit Caleb just looked at was for our kids. Should I do it? No. It's not, I'm not trying to justify it, but that is the only bad thing you can say about me right now.

• 1:12:57Caleb Hammer?

  I have still said in the past, it needs to be sacrificed and there hasn't been any sacrifice to put us financially ahead.

• 1:13:05Speaker 02

  Whatever, whatever. I almost called you my ex-husband's name because that's how you're acting right now.

• 1:13:11Caleb Hammer?

  Well, that's what's considered emotional abuse then.

• 1:13:13Speaker 02

  What? Yeah, I guess I probably was a little dramatic in that statement, but.

• 1:13:17Caleb Hammer?

  Oh, women, you can't just throw around words. I'm sorry, abuse is an actual word.

• 1:13:22Speaker 02

  So much, well, yes, and that is legit. I mean, you could see those text messages and you'd be like, yeah, that motherfucker's crazy, but.

• 1:13:29Caleb Hammer?

  Maybe, but a whole lot of, you know, you would. Did you say you were over dramatic when you said abuse?

• 1:13:35Speaker 02

  Like, I didn't mean like him manipulate, like him, him mentally abusing me right here. I meant as in the fact of since you're in hot water, you're trying to turn the situation and try to make it where I'm the bad guy in this scenario. Yes, I should not have spent this money.

• 1:13:53Caleb Hammer?

  Including us. I said, we need to make more sacrifice on stuff like this to get ahead.

• 1:13:59Speaker 02

  Dude.

• 1:13:59Caleb Hammer?

  It's a team effort. That's what we just discussed.

• 1:14:02Speaker 02

  Literally gaslighting you.

• 1:14:03Caleb Hammer?

  And I just said that I took out one of my habits to put us ahead and nothing's changed. I did that for us.

• 1:14:11Speaker 02

  Yeah, you did. I'll give you that.

• 1:14:14Caleb Hammer?

  What's changed to help us?

• 1:14:20Speaker 02

  Okay, well, I mean, this last week was my birthday, so when our checks hit the deposit, before I even had a chance to pay our bills, he said ding ding ding ding ding ding ding, buying me stuff, which I appreciate because 90% of the time.

• 1:14:33Caleb Hammer?

  Birthday for the last few years because our kids took precedence over everything. So I didn't want to have any excuse. I didn't want to see the face of disappointment, so I said, fuck it. Bing, bing, bing, bing. Yes, you're gonna have that. Yes, you deserve this.

• 1:14:47Speaker 00

  This episode is brought to you by Google Chrome. You think you know a browser, but Gemini and Chrome, that's new. It can help you with practically anything on the web, like restoring a vintage motorcycle from a 50-page restoration blog, or finally break down that long article you've had open for weeks. Gemini and Chrome is here for it. Ready to make anything online make sense? There's no place like Chrome. Check responses set up require compatibility and availability varies 18 plus.

• 1:15:12Speaker 02

  Preemptively buy things here and there instead of just wiping out.

• 1:15:16Caleb Hammer?

  Because preemptively would have added these payments where I wanted to just buy it in full.

• 1:15:21Speaker 02

  I said preemptively, like months ahead, little things here and there.

• 1:15:25Caleb Hammer?

  No, no.

• 1:15:26Speaker 02

  Okay.

• 1:15:27Caleb Hammer?

  Nope. He's Klarna in TikTok shop. All that's work. Every single one of those.

• 1:15:33Speaker 02

  TikTok shop work?

• 1:15:35Caleb Hammer?

  It is. It's legitimate. Every single one of those.

• 1:15:38Speaker 02

  For like helping clean this.

• 1:15:40Caleb Hammer?

  Yes, it is.

• 1:15:42Speaker 02

  It helps. It does. It makes his calls faster.

• 1:15:45Caleb Hammer?

  Every single purchase on my TikTok shop has been work. Why doesn't your work pay for it? Huh? Wouldn't that be sweet? Wouldn't that be ideal?

• 1:15:53Speaker 02

  Cause he won't. He's brought it up to him.

• 1:15:54Caleb Hammer?

  Very good. Then why are you putting it on Klarna instead of just from your checking account?

• 1:15:58Speaker 02

  Because the money's not there in the checking account because it's paid up by all of this.

• 1:16:02Caleb Hammer?

  Then can you afford to do it? That's seen as an investment. That's going towards work. An investment that's indebted, like a 33% interest rate. What's 33% interest? Usually Klarna and I have a rally as well. This one's not even close to paid off, so I'll put this one down because the Klarna one's almost gone. A rally through a firm. Rally credit union, but it's a firm screenshot. Buy now, pay later. I don't even know. Did I even know? You might just have to tell me. I don't even know what I'm looking at. That's the car? Now you can affirm a car.

• 1:16:32Speaker 02

  Oh, this one, I think this was part of a.

• 1:16:36Caleb Hammer?

  Oh, this is the settlement.

• 1:16:38Speaker 02

  Report?

• 1:16:39Caleb Hammer?

  Is this a settlement? Cause I see a settlement here.

• 1:16:41Speaker 02

  Yeah, I think this is part of a credit report.

• 1:16:44Caleb Hammer?

  Is that my collections? Is that my collections?

• 1:16:47Speaker 02

  I'm not sure.

• 1:16:48Caleb Hammer?

  Guys, this is a mess. Hey, your past due on a settlement you already made.

• 1:16:54Speaker 02

  Yes.

• 1:16:55Caleb Hammer?

  So what do you owe total in the settlement? What's the full balance?

• 1:16:57Speaker 02

  One of them's a little over 3,000 and the other, the other one's a little over 2.

• 1:17:02Caleb Hammer?

  Which one's this? Is that one mine? This one must be two.

• 1:17:07Caleb Hammer?

  You have a settlement. So again, we settled.

• 1:17:11Speaker 02

  Oh no, that's Dave. That's the borrowed.

• 1:17:14Caleb Hammer?

  But is this a settlement?

• 1:17:15Speaker 02

  No, no.

• 1:17:16Caleb Hammer?

  You're settling with Dave?

• 1:17:17Speaker 02

  We just, we pay it off every, every.

• 1:17:19Caleb Hammer?

  Oh, she's Dave and you're pay advancing on Dave as well.

• 1:17:23Caleb Hammer?

  Well, I don't, what's the balance you owe on Dave? There's no minimum payment because you can only borrow what you pay towards it.

• 1:17:28Speaker 02

  Mind if I pull it up?

• 1:17:29Caleb Hammer?

  No.

• 1:17:31Speaker 02

  Probably around 450. It's probably right back there because I've got us in such a bad position of having to advance on the workforce app of our paycheck and they take it out right away and the fucking Dave's. So it's like I, every time we get a little bit above, we get pulled right back under.

• 1:17:49Caleb Hammer?

  Wait, what is this? This is a car. Car loan at 8%. What? Rally credit union. What's this car?

• 1:17:54Speaker 02

  That is our family car.

• 1:17:55Caleb Hammer?

  Only car. What is it though?

• 1:17:56Speaker 02

  It's a Ford Explorer.

• 1:17:58Caleb Hammer?

  Year?

• 1:17:59Speaker 02

  2018. We were upside down on his pickup.

• 1:18:02Caleb Hammer?

  I mean, you guys drive to and from work together, right?

• 1:18:04Speaker 02

  No, he has a work truck.

• 1:18:07Caleb Hammer?

  So they will get you something. Come on. 8% interest rate, yo, $17,874.25 with a $397 minimum payment. What do you think it's worth?

• 1:18:16Speaker 02

  Uh, I think it's like, I think one of them said like 16,000 and another one said like 11. Um, we were upside down whenever we bought that car.

• 1:18:26Caleb Hammer?

  Okay, it's worth $6,235.

• 1:18:29Speaker 02

  I wasn't too far off.

• 1:18:30Caleb Hammer?

  What? Did you work?

• 1:18:32Speaker 02

  Oh, you said 6,000. I thought you said 16.

• 1:18:34Caleb Hammer?

  No, 6,000. Major depreciation.

• 1:18:37Speaker 02

  I seen one of them. It said, it wasn't Kelly Blue Book. It was another one.

• 1:18:41Caleb Hammer?

  Then we put in the quality you said.

• 1:18:45Speaker 02

  Lovely.

• 1:18:47Caleb Hammer?

  That's it.

• 1:18:47Speaker 02

  Good to know.

• 1:18:49Caleb Hammer?

  She's been good.

• 1:18:51Speaker 02

  She has been good to us.

• 1:18:53Caleb Hammer?

  Uh, actually, no.

• 1:18:55Speaker 02

  The car running.

• 1:18:58Caleb Hammer?

  I have something that, almost an 18% interest rate here. $156 a month with a balance of 2,728.

• 1:19:05Speaker 02

  Surgery. That was a personal loan for my surgery.

• 1:19:07Caleb Hammer?

  Why'd you get a personal loan for your surgery instead of owing to the hospital? What do you mean? Was it elective?

• 1:19:11Speaker 02

  Well, no, so I've been having these really bad migraines that caused me to blackout and vomit. They thought it was my sinuses because they were almost completely closed, so they recommended the balloon stenoplasty to open all that up.

• 1:19:24Caleb Hammer?

  Oh, I see. Yeah, okay. So I mean, it was elective. $2,828.80. You borrowed that at 18% interest rate.

• 1:19:34Caleb Hammer?

  That's insanity. I mean, I, I, I understand why you wanted to do it. $156 a month and 5 cents and your health insurance wouldn't do it.

• 1:19:43Speaker 02

  That's with partial of their coverage.

• 1:19:45Caleb Hammer?

  Okay, how much do they cover?

• 1:19:47Speaker 02

  I think at that time it was like 80%.

• 1:19:49Caleb Hammer?

  So you borrowed this.

• 1:19:50Speaker 02

  Stenoplasty was like over $20,000.

• 1:19:53Caleb Hammer?

  Okay, so you borrowed this to pay for it.

• 1:19:57Caleb Hammer?

  And then while it happened, he finger blasted your best friend. Medical center.

• 1:20:04Caleb Hammer?

  Don't know the balance. Or is this the balance or is this your minimum payment? 363?

• 1:20:11Speaker 02

  Oh, those, I'm not even sure, hon. I got all of those emailed to me. This is from when I, the, my, through my pregnancies.

• 1:20:17Caleb Hammer?

  Now, 363.

• 1:20:19Speaker 02

  Those were all through my pregnancies. Um, honestly, I'd never made medical debt a priority, like with the emergency rooms.

• 1:20:27Caleb Hammer?

  We'll see if it pops up in your collections. It definitely can.

• 1:20:29Speaker 02

  It hasn't, not yet. It hasn't popped up on my credit.

• 1:20:32Caleb Hammer?

  They're probably slower to throw it towards it, but you can definitely get, I mean, there's medical debt of thousands of dollars here.

• 1:20:37Speaker 02

  Yeah.

• 1:20:38Caleb Hammer?

  Yeah, just thousands of dollars on medical debt.

• 1:20:40Speaker 02

  Yeah, my pregnancies are all super high risk.

• 1:20:42Caleb Hammer?

  Before it goes to collections and then what they can do is they could take you to court and they can get access through a court order to your paycheck and get garnished. I would rather get on a lower monthly payment with them first.

• 1:20:54Speaker 02

  For sure.

• 1:20:55Caleb Hammer?

  I'd call it thousands of dollars.

• 1:20:57Speaker 02

  That's why I was so adamant about getting onto your show so you could work your magic and then tell me what I could figure out on doing a payment.

• 1:21:06Caleb Hammer?

  What magic is there? You have to call them.

• 1:21:09Speaker 02

  Well, no, I'm saying of what I could afford where it's not gonna end us.

• 1:21:13Caleb Hammer?

  Have you ever sat down and just put your bills on a thing? On a notebook?

• 1:21:16Speaker 02

  I got a whole book in my, in your green room.

• 1:21:18Caleb Hammer?

  What's the magic? Cause budgeting is actually really is easy. It's funny that one of the criticisms people have given me for the last four and a half years is I don't have a degree in finances. This isn't a financial degree. This is so easy. This is like, how much are your minimum payments and what do you make? That's it.

• 1:21:35Speaker 02

  Yeah, I've done that. I even created a spreadsheet that automatically pulls my bills out of each check, but it ends up in the negative every time and I don't know how to get out of the hole.

• 1:21:44Caleb Hammer?

  8,420 or 52 dollars. Okay?

• 1:21:49Speaker 02

  That's the total medical debt? 8,400?

• 1:21:52Caleb Hammer?

  It's not that crippling for what it's worth.

• 1:21:54Speaker 02

  Awful.

• 1:21:54Caleb Hammer?

  No, as far as many medical debts that people get.

• 1:22:00Caleb Hammer?

  Milestone.

• 1:22:02Speaker 02

  These are all him.

• 1:22:04Speaker 04

  Those are old credit cards.

• 1:22:05Caleb Hammer?

  Credit one.

• 1:22:07Speaker 04

  Yeah.

• 1:22:08Caleb Hammer?

  Okay, credit management. So these are collections. So seven oh four on collections there, which they're offering a minimum monthly payment to help you get out of it for what it's worth.

• 1:22:16Speaker 04

  Well, I thought we had ended up paying those all off.

• 1:22:18Speaker 02

  We did.

• 1:22:19Caleb Hammer?

  Oh.

• 1:22:19Speaker 02

  Which I had to request old bank statements from my Navy Federal account.

• 1:22:23Caleb Hammer?

  Penny, penny, penny, penny. No, we're still, we're still doing it.

• 1:22:27Speaker 02

  Because we paid them all off in full. And now there, but we paid it directly with the card. We did. I have the bank statements in.

• 1:22:35Caleb Hammer?

  Well, guess what? It's here. I don't know. What are you gonna do? Are you gonna?

• 1:22:38Speaker 02

  I need to argue it. I need to argue it with them because I already paid it directly with the cards with.

• 1:22:43Caleb Hammer?

  We're not necessarily down, at least with the credit bureaus.

• 1:22:46Speaker 04

  Yeah, because I know for a fact.

• 1:22:47Caleb Hammer?

  We have a monthly payment set up though.

• 1:22:48Speaker 04

  We paid that in, in bulk.

• 1:22:50Speaker 02

  I did. I set that one up and then I.

• 1:22:51Caleb Hammer?

  Did you pay this?

• 1:22:53Speaker 02

  I set.

• 1:22:53Caleb Hammer?

  To you, you paid this?

• 1:22:54Speaker 02

  Yes, it comes out automatic. Yes, we paid, we paid all these off in twenty twenty-two. Yes, off completely, directly with the card people. I have the statements in your green room. I just got them in the mail like the other day.

• 1:23:06Caleb Hammer?

  Okay, well, cancel.

• 1:23:08Speaker 02

  The payment plan, yes. But don't I need to like argue with them to tell them like get this shit?

• 1:23:11Caleb Hammer?

  Yes, but bring the proof. Yes, of course. No, they're just gonna do it. No, of course.

• 1:23:16Speaker 02

  So I need, I was getting proof. I had to request it from my bank because they were so old, right? So I just got it.

• 1:23:21Caleb Hammer?

  I'm not gonna write it down, but if you're wrong, you need to put it in your budget.

• 1:23:25Speaker 02

  For sure.

• 1:23:26Caleb Hammer?

  Okay, what is this? This is a payment agreement with velocity investments from, oh, the original creditor, Finwise. Three thousand sixty-two.

• 1:23:33Speaker 04

  Yeah, that's, that's me.

• 1:23:35Caleb Hammer?

  You have a payment agreement here.

• 1:23:36Speaker 04

  Yes.

• 1:23:36Caleb Hammer?

  Are you paying this? Did you pay this one off already? Like you thought you did with the other?

• 1:23:41Speaker 04

  No, no, no. None of the rest, none of the rest are paid off. Only the credit cards.

• 1:23:45Caleb Hammer?

  Finwise Collections.

• 1:23:47Speaker 04

  Yes.

• 1:23:47Caleb Hammer?

  I'm glad you got on a payment plan, but three thousand sixty-two dollars and fifty cents. With a minimum monthly payment of eighty-five dollars and seven cents.

• 1:24:02Caleb Hammer?

  I think this is, yep, this is that continued.

• 1:24:05Speaker 04

  Yeah.

• 1:24:05Caleb Hammer?

  But they did put it on, I think an interest rate here is six point seven five percent. Kind of sucks to have that collections put on an interest rate, but. Okay, basis. This one's yours.

• 1:24:16Speaker 02

  This is me. That was my, for my teeth.

• 1:24:20Caleb Hammer?

  So you have a balance of four thousand thirty dollars.

• 1:24:23Speaker 02

  Yes.

• 1:24:25Caleb Hammer?

  What?

• 1:24:26Speaker 02

  It's my, my teeth.

• 1:24:27Speaker 04

  I didn't know we owed anything on that.

• 1:24:28Speaker 02

  Mm-hmm.

• 1:24:29Caleb Hammer?

  Oh, yeah. What's your minimum monthly payment?

• 1:24:32Speaker 02

  Uh, like a hundred and eleven. I have not been paying it, no.

• 1:24:35Caleb Hammer?

  Why? It's gonna go collections and I hope they sue you.

• 1:24:38Speaker 02

  No, they fucked up my veneers.

• 1:24:40Speaker 04

  They did fuck them up.

• 1:24:41Speaker 02

  These two pop off all the fucking time. I've gone back to the dentist over and over and over telling them to fuckin' fix them. And they said that they were gonna talk to the people that manufactured the fuckin' veneers. And I told them when they fuckin' decided to fix my shit, then I'll start paying it.

• 1:24:55Caleb Hammer?

  Why do, why do veneers always look like ten times bigger than like?

• 1:24:58Speaker 02

  They look awful, don't they? They did an awful job. Like the temporary ones that they put on were gorgeous. I loved them. And then these ones are bulky and ugly.

• 1:25:08Caleb Hammer?

  Yeah.

• 1:25:09Speaker 02

  You're the first person that told me that. Thanks for being honest about it because everybody else is like, no, those look great.

• 1:25:14Caleb Hammer?

  No, I don't do that.

• 1:25:15Speaker 02

  Oh, thanks. I appreciate it.

• 1:25:17Caleb Hammer?

  Okay, joint account. Okay, we have the auto debt. We already talked about that. Signature consumer loan. Yes, we had that. Okay, so this is getting into our checking then. A lot was deposited, but we only ended with two, two hundred twenty-one dollars.

• 1:25:33Speaker 02

  A lot was put deposited too.

• 1:25:34Caleb Hammer?

  And it's Dave, Dave, Dave, Bright, Dave, Apple Bill, Dave, Amazon, Zip, Zip, Zip, Rent a Center. Rent a Center?

• 1:25:45Speaker 02

  Yeah, we, I.

• 1:25:45Speaker 04

  It's like a A A Ron's, uh.

• 1:25:47Speaker 02

  It's like, huh?

• 1:25:48Speaker 04

  Aaron's.

• 1:25:48Speaker 04

  Aaron's rental place.

• 1:25:50Speaker 02

  For our couch.

• 1:25:51Speaker 04

  Furniture, yes.

• 1:25:52Speaker 02

  So we pay on it weekly.

• 1:25:52Caleb Hammer?

  Oh, my goodness. What do you owe on that? That's a debt.

• 1:25:56Speaker 02

  Uh.

• 1:25:58Caleb Hammer?

  And it's a weekly of sixty-two seventy-six?

• 1:26:00Speaker 02

  Yeah, every Saturday.

• 1:26:04Caleb Hammer?

  That's a fuckin' debt. I would need to know that. Hmm.

• 1:26:07Speaker 02

  Sorry.

• 1:26:09Caleb Hammer?

  I'm zipped by four, two hundred.

• 1:26:14Caleb Hammer?

  Two fifty-one oh four a month.

• 1:26:18Caleb Hammer?

  While you're looking that up, we also got Dairy Queen and Pizzeria. Can't afford to live? Guess what? You're going out and getting some bullshit. Zip, Apple, Bright, Amazon. And we saw that Amazon was all bullshit, by the way.

• 1:26:29Speaker 02

  For the record.

• 1:26:30Caleb Hammer?

  Dave, fuck you.

• 1:26:31Speaker 02

  Forty-five to fifty hours a week and I have, and I have four kids. You don't know, you don't have kids. You don't know.

• 1:26:39Caleb Hammer?

  I don't, but you know what?

• 1:26:40Speaker 02

  I have one hour in the evening sometimes. One hour for food?

• 1:26:44Caleb Hammer?

  Meal prep.

• 1:26:45Speaker 02

  I have done that.

• 1:26:46Caleb Hammer?

  Meal prep. Go fuck yourself. I still know how it works. I'm not saying it's easy.

• 1:26:50Speaker 04

  Unless you lived it, you, you can't say anything about it.

• 1:26:52Caleb Hammer?

  Okay, congratulations. Here's your solution based on your excuses. Give up.

• 1:26:57Speaker 04

  No.

• 1:26:57Speaker 02

  We can't give up.

• 1:26:58Caleb Hammer?

  Then what's the alternative? What are you arguing for then? You're saying, you're like.

• 1:27:02Speaker 04

  We're not arguing everything. We're just saying we're not gonna take that into account.

• 1:27:08Speaker 02

  Budgeting in a little bit of pocket money for eating out every once in a while.

• 1:27:11Caleb Hammer?

  Budgeting a little bit of pocket money only makes sense if it's in the budget. It doesn't.

• 1:27:14Speaker 02

  Obviously, I haven't budgeted, but I'm saying now.

• 1:27:16Caleb Hammer?

  Yourself.

• 1:27:17Speaker 04

  Where's the back to back going out eating there? Have you seen the between the one?

• 1:27:20Caleb Hammer?

  Kids, that's the excuse to destroy your life. I think it should actually be the opposite.

• 1:27:24Speaker 02

  One thousand one hundred twenty-two dollars and eighty-seven cents.

• 1:27:27Speaker 04

  What was that for?

• 1:27:28Speaker 02

  That's for the couch.

• 1:27:28Caleb Hammer?

  The couch. Bright, Amazon, Dave, Prime Video, Zip, Klarna, Klarna, Dave, Dave, Apple, Minecraft, Minecraft.

• 1:27:37Speaker 02

  That's our son's allowance. He spends it on his Minecraft. Because he does chores. He earns money, right?

• 1:27:42Speaker 04

  Is that the V books?

• 1:27:43Speaker 02

  No, that's a different game.

• 1:27:44Caleb Hammer?

  Getting paid for my chores. Cash App, Vape City, bullshit. PBS Mob, Lumber, Cecil. Cecil, isn't that another financing thing?

• 1:27:56Speaker 02

  Yes, but that's paid off. It's paid off.

• 1:27:59Caleb Hammer?

  It better be. We'll see for how long. Pizza Hut. Getting that bullshit, fifty-one dollars, worst pizza there is too. I'd rather get Little Caesar's than Pizza Hut.

• 1:28:06Speaker 02

  There's none close to us.

• 1:28:08Speaker 04

  Yeah, it's not close.

• 1:28:08Caleb Hammer?

  Well, still, Pizza Hut's disgusting. Make your own pizza. It's actually very easy and good.

• 1:28:12Speaker 02

  We have done that.

• 1:28:13Caleb Hammer?

  Getting some bullshit. I'm glad you've done it. Do it again instead of Pizza Hut. Then do it again. Is that a Pizza Hut? Bullshit. Bright. Going inside, getting some bullshit. TikTok shop, bullshit, TikTok shop. Apple Bill, Klarna, Dave, Klarna, Dave, TikTok shop, TikTok shop, bullshit, Amazon, TikTok shop, TikTok shop. When is I got some bullshit rent and rent a center? Nails, getting our nails done, a hundred sixty dollars.

• 1:28:37Speaker 02

  These are press ons. That was a while ago. That was from August.

• 1:28:40Caleb Hammer?

  This is pathetic.

• 1:28:41Speaker 02

  I don't get my nails done often. I try to get my toes done every two weeks, but I haven't been able to.

• 1:28:47Caleb Hammer?

  Starbucks, bullshit. Zip, Zip, TikTok shop, Zip. Oh, my goodness. Church's Chicken. You guys eat out a lot.

• 1:28:54Speaker 02

  Yeah.

• 1:28:55Speaker 04

  It's a Whataburger right after it.

• 1:28:56Speaker 02

  It's a lot more than we thought. It is a lot.

• 1:28:59Speaker 04

  I don't see it as a lot.

• 1:29:00Speaker 02

  It doesn't seem like it in the day to day. It really.

• 1:29:04Speaker 02

  Hammer Elite's on there and Dollar Wise. You gonna yell at me for that?

• 1:29:06Caleb Hammer?

  Well, Dollar Wise you get for free forever now.

• 1:29:08Speaker 02

  Yay.

• 1:29:09Caleb Hammer?

  But no, because if you spend like ten bucks a month on it or whatever, and it saves you hundreds a month, no, it makes sense. Hammer Elite, well, that's just three premium shows every single day, six days a week. Like, I mean. What can you do? TikTok shop. Oh, good. Savings went from eight hundred to ten.

• 1:29:26Caleb Hammer?

  Went in, got some bullshit, Amazon Chick-fil-A, getting some bullshit, the weird little medical thing that might not be, I don't even know. Drama Wave, Domino's, Vape City, Olive Garden, Amazon, Prime Video, Netflix, vaping, Academy Sports, bullshit. Getting some bullshit. Cash App, Amazon, Starbucks, Domino's, Amazon, bullshit, Prime Video, bullshit, bullshit, Expedia, Amazon, bullshit. Fuck you. Retirement four fifty-one at your age is a disgusting joke and your children are gonna have to put their lives. Oh, Drama Wave is, uh, sex novels that she's watching. She's watching AI sex novels. And she yells at you about watching.

• 1:30:07Speaker 02

  The Drama Wave thing is that.

• 1:30:08Caleb Hammer?

  It's the goon books that all the women like.

• 1:30:10Speaker 02

  Real shorts. It's just the real shorts. It's not like people are actually fucking.

• 1:30:14Caleb Hammer?

  Yeah, but you know what it is.

• 1:30:15Speaker 02

  They start making out.

• 1:30:16Caleb Hammer?

  Uh-huh. It's your fucking goon shit.

• 1:30:20Speaker 02

  No, no, I don't.

• 1:30:22Speaker 04

  Ew.

• 1:30:23Caleb Hammer?

  Every fucking time. Ew, yeah, except you do it to her best friend.

• 1:30:28Caleb Hammer?

  We'll be calling her approximately three minutes.

• 1:30:31Speaker 02

  Oh. You said three minutes or thirty?

• 1:30:34Caleb Hammer?

  Three.

• 1:30:35Speaker 04

  I gotta pay.

• 1:30:35Caleb Hammer?

  So hold on to your.

• 1:30:37Speaker 02

  He's worse than a pregnant woman.

• 1:30:39Speaker 04

  Oh, yeah.

• 1:30:39Speaker 02

  I need to take some Tylenol. It's gonna be a migraine.

• 1:30:41Caleb Hammer?

  You can't control his hormones and go some cheats?

• 1:30:45Caleb Hammer?

  Whatever you think it is, I promise it's worse. Minimum monthly payments, one thousand six hundred ninety-nine dollars and sixteen cents. Debt minimum monthly payments is one thousand six hundred ninety-nine. You don't owe on your trailer?

• 1:30:55Speaker 02

  It's rent.

• 1:30:56Speaker 04

  Yeah, it's rented.

• 1:30:57Caleb Hammer?

  Okay, what's your rent?

• 1:30:57Speaker 02

  Fifteen hundred.

• 1:30:59Caleb Hammer?

  Is that including all utilities, internet, all that?

• 1:31:00Speaker 02

  No, not at all.

• 1:31:01Caleb Hammer?

  Well, it's all that combined.

• 1:31:02Speaker 02

  Um, electric is, it goes from one sixty to three seventy. Depends on the weather in South Texas.

• 1:31:09Caleb Hammer?

  Who's telling me not to respect the pizza? Pizza Hut's horrible. It's greasy and disgusting.

• 1:31:16Speaker 02

  Pizza Hut's good.

• 1:31:17Caleb Hammer?

  You guys are so wrong. It's the worst pizza I've ever had. What's your internet and, oh, their wings. She goes for wings. That's who you're defending, guys.

• 1:31:23Speaker 02

  My kids get the pizza.

• 1:31:24Caleb Hammer?

  She gets her wings from Pizza Hut. That's who you're defending right now, by the way.

• 1:31:28Speaker 02

  There's no Wingstop next to us.

• 1:31:29Caleb Hammer?

  Doesn't matter. There's other places. Shut up. What's your utilities and internet all combined?

• 1:31:33Speaker 02

  So it, it ranges that much, believe it or not.

• 1:31:36Caleb Hammer?

  Okay, three forty altogether. Good. Phone bill, how much?

• 1:31:39Speaker 02

  Do what? Food? About eight hundred?

• 1:31:41Caleb Hammer?

  Oh, no.

• 1:31:41Speaker 02

  Phone? That's two hundred and fifty dollars a month.

• 1:31:43Caleb Hammer?

  What the?

• 1:31:44Speaker 02

  We have AT and T. We can't. We can't. It doesn't have good signal in our area. I already looked into it.

• 1:31:49Speaker 04

  I already tried that.

• 1:31:50Speaker 02

  Yeah.

• 1:31:50Caleb Hammer?

  Oh, if you're not rural, it's very good. Fifteen bucks a line. But rural.

• 1:31:54Speaker 02

  Yeah.

• 1:31:55Caleb Hammer?

  They want land, so they can do nothing on it. Gas is from, from drive, drive. How much on a monthly basis?

• 1:32:00Speaker 02

  Uh, fifty dollars a week, so two hundred dollars a month.

• 1:32:02Caleb Hammer?

  Car insurance.

• 1:32:04Speaker 02

  Uh, two hundred and twenty-eight.

• 1:32:07Caleb Hammer?

  Necessary food. I agree with the eight hundred. TP fund, anything else that exists. Is the school supplies, the wall and tampons, the chains is on a monthly basis. Three hundred bucks. Change is where it goes to.

• 1:32:14Speaker 02

  With diapers too?

• 1:32:16Caleb Hammer?

  Yes.

• 1:32:16Speaker 02

  Okay.

• 1:32:17Caleb Hammer?

  Medical healthcare. Are there copays on a monthly basis?

• 1:32:19Speaker 02

  Uh, on a monthly basis? Or like what we're paying out of our check? It's automatically already taken out on the amount that you've seen.

• 1:32:25Caleb Hammer?

  It's not copays, but that's okay. Is there a gym?

• 1:32:28Speaker 02

  Uh, no.

• 1:32:30Caleb Hammer?

  You have any pets?

• 1:32:30Speaker 04

  Yeah, my gym.

• 1:32:31Speaker 02

  You have a gym.

• 1:32:32Caleb Hammer?

  How much?

• 1:32:32Speaker 04

  Forty-five? No, I did the military one. I think it's like thirty-five a month. Yeah, it's thirty-five.

• 1:32:36Caleb Hammer?

  Is there any pets?

• 1:32:38Speaker 02

  Any what? Oh, pets, yes. I have a dog and a cat.

• 1:32:41Caleb Hammer?

  Hundred dollar pet insurance, uh, pet food, pet supplies. How much on a monthly basis?

• 1:32:44Speaker 02

  Uh, probably about fifty bucks.

• 1:32:46Speaker 04

  Yeah, I agree.

• 1:32:47Caleb Hammer?

  Subscriptions, I will do seventy-five. I'll do a hundred. With the household of that many kids, let's see. Okay, well, do we survive? Let's find out. They will not survive the show, but they will maybe survive the budget. We will find out.

• 1:33:09Speaker 02

  You might have all kinds of temptation now, since you are pretty, you're on YouTube that millions of people see, and if people find out who you are, there's gonna be all kinds of temptation, so we'll see if you'll hold your word and go to therapy.

• 1:33:21Caleb Hammer?

  If you want his dick, you just DM him. Unfortunately, we use a fake name, so...

• 1:33:26Speaker 02

  I'm not good in jail, but I will go to jail. Fair warning.

• 1:33:32Caleb Hammer?

  Trailer trash. Get ready, guys.

• 1:33:33Speaker 02

  I'm not trailer trash. I'm on a ranch. I live in a trailer now. There's nothing wrong with trailers.

• 1:33:43Caleb Hammer?

  I wanna own one. I'm glad you at least rented. You probably have an extra, I'm gonna be more conservative, 650 on a monthly basis.

• 1:33:55Caleb Hammer?

  Well, I mean, medical debt. I mean, you get on a minimum payment for that, but I'm gonna get rid of... Okay, total debt. So, I mean, in reality, it would take 97 months to pay off, but that's with medical debt. That's eight years, but I think your income should go... I wouldn't start a business, maybe. No, you wanna lower your risk before starting a business. A lot of these we can knock out quickly, these little pay advance things, knock them out and never use them again. If you actually follow your budget, you guys don't lose money. You guys make enough money on a monthly basis, plus some. You guys are fine. You just can't go out to... You guys are going out to eat and spending a lot of money on bullshit and nicotine and all that, that you need to stop.

• 1:34:33Speaker 04

  Micro said than done.

• 1:34:34Speaker 02

  So, can I ask you a question you might yell at me about?

• 1:34:36Caleb Hammer?

  Oh, okay.

• 1:34:37Speaker 02

  Um, so I accidentally ended up starting a foundation, it's called [bleep], where I help homeless people and moms that don't have...

• 1:34:46Caleb Hammer?

  No! You're gonna be homeless!

• 1:34:47Speaker 02

  No, it's all based off donations. It's not out of my pocket. It's... Yeah, I post on the page and people make donations, but I know for tax purposes, I'm gonna have to set it up somehow, like a nonprofit or whatnot. And I have another girl who's helping me...

• 1:35:01Caleb Hammer?

  I don't know.

• 1:35:02Speaker 02

  A CPA? Okay.

• 1:35:03Caleb Hammer?

  Yeah, I guess, uh...

• 1:35:05Speaker 02

  I just wasn't quite sure how to set it up.

• 1:35:06Caleb Hammer?

  You've spent money out of pocket, so...

• 1:35:08Speaker 02

  I did for one guy.

• 1:35:09Speaker 04

  One.

• 1:35:10Caleb Hammer?

  So, stop.

• 1:35:11Speaker 02

  One guy.

• 1:35:11Caleb Hammer?

  You're about to be homeless. Your kids are about to be homeless. Stop. Like, that's where this all ends up. Bankruptcy's a consideration, but listen, with HVAC, you should be making more money. The thing is, with an extra thousand hours a month, also, we pay this off in a few years, and it's totally fine. Okay? What you should be able to do in your industry.

• 1:35:28Speaker 02

  Shouldn't... That's what I was kinda wondering, like, what does a normal HVAC tech get paid?

• 1:35:32Caleb Hammer?

  Better than he's getting paid, but, yeah, small town, small area, if...

• 1:35:36Speaker 02

  Corvus is small. Corvus is where, oh, I don't know if I should've said that, but that's the business that we work in, and they're all rich.

• 1:35:44Caleb Hammer?

  So, I mean, that hurts, but you need to go make more money, which was, I think HVAC you can. We'll get you the Core Score certification. This is... At this point, your spending is what you got here. But now, to get out of it, it's an income situation, so let's boost the income, which I do not think for you will be very difficult. And if you guys stay together after the post-show, you should be able to pay off the debt in a few years, and save a fully funded emergency fund, and then 50% goes to needs, and 25% goes to fund, and 20% goes to investing, because you guys need to catch up in retirement.

• 1:36:11Caleb Hammer?

  Or about the call, or the post-show, but let's get the Hammer Financial Score first.

• 1:36:18Caleb Hammer?

  Spending on a budget! Well, you ever spent 0 out of 10 debt, there's collections, 0 out of 10 emergency fund, there's nothing, 0 out of 10 retirement, there's nothing, 0 out of 10 real estate, you don't own anything, 0 out of 10 Hammer Financial Score, 0 out of 10. That was easy. Get yours at CalebHammer.com for free. Now, join us in the Financial Audit Post Show by joining Hammer Elite, the best membership on YouTube by far, which is why it's the largest, and there's over 175,000 monthly members, because we offer three premium, high-quality shows every single day, six days a week, including an extra 20 minutes of this show called Financial Audit Post Show. You can join on YouTube by clicking that join button, or you can go off-platform at HammerElite.com, or download the Hammer Elite app, wherever you wanna be. It's the same membership on both. We just wanna give you more options. I'll see you in the post-show. The thing that hasn't come out yet, that you don't know, is specifically what Mr. Dean

• 1:37:02Caleb Hammer?

  said to her after the kiss. He said he always wanted [bleep].

• 1:37:08Speaker 02

  Over and over and over and over, I have nothing for her. I have nothing for [bleep]. I'm looking out for the kids. There's nothing between me and [bleep]. The first [bleep] time y'all are together alone, you [bleep].

• 1:37:21Caleb Hammer?

  Welcome to Al Week! Al, are you excited? Yes, I am. We have a special week only for Hammer Elite members. We have a special seven girls coming in for a pop the balloon challenge. I wanted to give Al a little present with my 3Ds. Wow. We eating your last meal on this week's Fat and Fatter. We're also gonna be doing our breakdown and off topic.

• 1:37:50Caleb Hammer?

  She wants to know if you would pee on her. I don't know about that one.

• 1:37:55Caleb Hammer?

  Make sure you click that join button to join Hammer Elite, the number one membership on YouTube, or the link below, or download the Hammer Elite app, or go to HammerElite.com to save membership on all platforms. Join us for Al Week. I want you to be on the next episode of Financial Audit, right here in Austin, Texas. If you think you have interesting finances with an interesting personality, or a story, or a life, or a relationship, I will personally pay you to take time off of work, fly you down to Austin, get you personal transportation, a hotel, food, and we'll have a great time hanging out. Go to CalebHammer.com/apply, or click that link in the description below.