Evil Monster EXPOSED On Financial Audit

*Save over 67%!!!!* Get a full year of Dollarwise, my 4-course education bundle, SIGNED meal plan, and PDF download of my cookbook. Don't be dumb, deal won't last long: https://go.dollarwise.com/sun *THIS IS THE CRAZIEST POST SHOW WE HAVE EVER DONE* - I brought her mom into the studio and *fully* exposed him... I've never seen someone so mad, she nearly killed him- watch here: ➡️ https://bit.ly/chpostshow ============================= 👉 Checking & Savings: GGet a $200 bonus and earn 3.75% APY on your Savings with Chime®: https://secure.moneymatchup.com/chime-caleb-website 🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb 🔥 Get Your Own *Hammer Financial Score* → https://bit.ly/3JCuwPS ============================= *Sponsors for This Video* ============================= Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78 See if refinancing your high-interest debt saves money. Checking is free. → https://bit.ly/4vLOStU ============================= *Education* ============================= 👉 Get access to EVERYTHING I offer all in one place: https://bit.ly/4sUm2pb ⚡️Learn how to budget: https://bit.ly/4sspyGh ⚡️Learn how to invest: https://bit.ly/41mr8OP ⚡️Pay off your debt: https://bit.ly/41mr8OP ============================= *Check Out My Resources* ============================= 👉 Checking & Savings: Get a $200 bonus and earn 3.75% APY on your Savings with Chime®: https://secure.moneymatchup.com/chime-caleb-youtube-disc 👉 Land a high-paying job with no experience or degree: ➡️ https://coursecareers.com/CalebHammer 👉 See if refinancing your high-interest debt saves money. Checking is free. → https://bit.ly/4vLOStU 👉 Get FREE MONEY by investing with Public! secure.moneymatchup.com/public-caleb 👉 Find the best credit cards for you with my quiz! https://cards.calebhammer.com/yt 👉 Get $20 from Acorns for free: ➡️ https://acorns.com/caleb 👉 First 100,000 Mine (formerly Fizz) sign-ups with code HAMMER10 get $10: https://www.usemine.com/caleb 👉 Helium Mobile: Use promo code CALEB for a FREE plan ➡️ https://hellohelium.com/ 👉 Protect your online privacy and security for free with Aura: ➡️ https://aura.com/hammer ============================= *Chapters* ============================= 00:00 Intro 01:26 CALEB SAID THE THING 04:00 Thats VERY Concerning 06:50 Maybe She's The Problem? (spoiler: she isnt) 12:00 Bros Too Old For Discord lol 15:09 OOP She Doesn't Want To Share Custody??? 19:10 We Have Texts That He Doesn't Know Of 26:35 They Don't Belong Together 28:00 Choosing Games Over YOUR WIFE Is Nasty Work 33:15 Bro Can't Even Hold A Job lol 35:00 Roblox??? 36:50 SCREEN TIME OUT HERE EXPOSING DISCORD, SNAPCHAT, EVERYTHING 43:40 bro logged out of discord before filming... 49:15 Caleb Scrolling Through His Discord Chats 57:18 She Doesn't Deserve All This 59:00 Bro Refuses To Show Us His Indeed lol 01:01:00 He's A Dad But Prioritizes Going TO THE CLUB 01:05:20 Chat, Should She Leave? 01:21:10 This Guy Is So Full Of Himself lol 01:33:20 Budget!! 01:36:00 Hammer Financial Score ============================= Want more content? ============================= 🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips 🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel ============================= *Connect with me!* ============================= TikTok: https://www.tiktok.com/@calebhammercomposer X: https://x.com/sircalebhammer IG: https://www.instagram.com/calebhammercomposer/ Facebook: https://www.facebook.com/calebhammercomposer/ ============================= *Want to be a guest on Financial Audit?* ============================= 👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply *Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. Sponsorship and business inquiries: [email protected] Learn more about your ad choices. Visit megaphone.fm/adchoices

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

• 0:01Speaker 00

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• 0:29Speaker 01

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• 0:59Caleb Hammer?

  To watch episodes of Financial Audit a week earlier, check us out on YouTube. Both of your parents are here?

• 1:04Speaker 03

  They're worried that he's gonna get pissed off.

• 1:05Caleb Hammer?

  Okay, they're worried about him getting pissed off so much that they had to be here, meaning what happens when he gets pissed off? Log into this.

• 1:12Speaker 03

  The [bleep] you have only [bleep].

• 1:13Caleb Hammer?

  Oh, he sure does. I mean, I'm just gonna ask right now, as I'm looking through this, why are you talking to four individual women on Snapchat while she's in the green room getting on-boarded for this video and taking care of the kid? On these screenshots, yeah, it was Roblox $51, Roblox $21, Roblox $54. You were afraid he was talking to minors?

• 1:33Caleb Hammer?

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• 2:02Speaker 03

  Hi, my name's Savannah. I'm 26.

• 2:04Speaker 04

  Hey, my name is Michael. I'm 26. And we're from East Texas.

• 2:07Speaker 03

  And this is Financial Audit.

• 2:10Caleb Hammer?

  So one of the things I get to say sometimes at the beginning of juicy financial audits is, "I go in blind. I looked over at the notes and read this." Not gonna say that this episode. I get to say something even more unique. As we often title, this has never happened before. Uh, this has never happened before. We had to take thumbnail photos of you guys before filming. Now that might not seem like much to the audience, but that is very unique and that has never happened. And the fear from the producers when I asked, "Guys, what the [bleep] going on? Are these people walking in front of my office this, this quick?" Is, "We don't know how this is going to end. We need to make sure we get the pictures now." We've never had that fear before.

• 2:55Speaker 05

  Respond! Say something!

• 2:59Caleb Hammer?

  I take it y'all are married?

• 3:01Speaker 03

  We are married. We are, yeah. Yeah.

• 3:03Caleb Hammer?

  What could that possibly mean? I do not know. I haven't looked over yet. I do not know what is going on, but that is a crazy thing that in almost four years of filming this show has never had to happen before. Let me gather a couple of pieces of information for context and then we'll dive in. So Savannah, what do you do for a living in East Texas?

• 3:27Speaker 03

  So I work as breastfeeding support for a clinic.

• 3:32Caleb Hammer?

  Oh, I want that job. Hold on.

• 3:34Speaker 03

  No.

• 3:35Caleb Hammer?

  Okay.

• 3:35Speaker 03

  It's just for mom and baby. Mom and baby, that's what I do is I help support. Yeah, help support.

• 3:42Caleb Hammer?

  You made it sound so bad.

• 3:43Speaker 03

  No, it's not bad. I love, I love what I do. I love what I do. I love my job. You hate your job. I love my job.

• 3:48Caleb Hammer?

  I love what you do as well. What do you make?

• 3:51Speaker 03

  Um, so what I bring home and then I babysit on the side. And so what I bring home from both of those is about 1,900 a month because I still work part-time.

• 4:00Caleb Hammer?

  East Texas, definitely one of the cheaper parts of the state, similar to like the southern part. Really, you get outside of that Texas triangle from San Antonio to Austin to Dallas over to Houston and back to San Antonio. That's where it's expensive. Everywhere else.

• 4:15Caleb Hammer?

  Massive wealth divide. So that 1900 actually does stretch a little further than you'd think, but it is also not great at the same time.

• 4:21Speaker 03

  Yeah, that's including babysitting on the side.

• 4:23Caleb Hammer?

  No, I know. That's what you said.

• 4:24Speaker 03

  So, and then the reason I'm still part time is there because we have a 13 month old daughter. And when I started at a job, the

• 4:29Caleb Hammer?

  Oh, y'all have a daughter?

• 4:30Speaker 03

  Yeah, we do.

• 4:31Caleb Hammer?

  So we had to take a thumbnail photo before filming for an episode that we're afraid of how it's gonna end.

• 4:36Speaker 03

  My parents are here with my 13 month old. They're holding her in the green room.

• 4:42Caleb Hammer?

  That's exciting. Okay.

• 4:43Speaker 03

  I don't know.

• 4:43Speaker 04

  My parents are in the hotel.

• 4:45Caleb Hammer?

  Both of your parents are here?

• 4:46Speaker 04

  Yep.

• 4:46Caleb Hammer?

  It's a little odd, isn't it?

• 4:49Speaker 03

  My parents were worried about

• 4:50Caleb Hammer?

  We're making a little trip, I guess, vacation?

• 4:53Speaker 03

  Anyways, but what I was getting to

• 4:55Caleb Hammer?

  They're worried that I would eat the baby?

• 4:58Speaker 03

  No, they're worried that he's gonna get pissed off. And I guess like, because we are supposed to, I know that they're worried about

• 5:04Caleb Hammer?

  Okay, they're worried about him getting pissed off so much that they had to be here, meaning what happens when he gets pissed off?

• 5:09Speaker 03

  Well, they're, I don't know. Like, I guess they're just worried because they want to make sure like me and

• 5:14Caleb Hammer?

  Well, you are a big boy.

• 5:16Speaker 04

  All right then.

• 5:17Caleb Hammer?

  Huh?

• 5:18Speaker 04

  No, go ahead, go ahead, go ahead.

• 5:20Speaker 03

  They just, I don't know. They wanted to come because they were worried about you driving us and everything like that. So they wanted to follow. I don't know.

• 5:26Caleb Hammer?

  The does this mean?

• 5:28Speaker 04

  What does that mean?

• 5:29Caleb Hammer?

  What does that mean, Savannah?

• 5:30Speaker 04

  Yeah, what are you trying to say?

• 5:32Speaker 03

  Well, I applied because like, I've basically, if we can't get our shit together, I don't want to keep being together.

• 5:41Speaker 03

  And I think that's why they're worried about that.

• 5:42Speaker 04

  Yeah, this is, this is something we, we have talked about too.

• 5:45Caleb Hammer?

  Oh, I bet you. It's rare that it's the first time that comes up on this show typically. And that's not surprising. Finances are one of the leading causes for divorce in this country.

• 5:56Caleb Hammer?

  Okay, but they were afraid of him driving you home afterwards?

• 6:01Speaker 03

  I guess, like they were afraid he's gonna get pissy because we're, I'm supposed to see my, even my friend while we're here. Sorry.

• 6:08Caleb Hammer?

  Sorry for what?

• 6:08Speaker 03

  I don't know.

• 6:09Speaker 06

  So red flag is a small thing you notice in someone else's behavior that's symptomatic of a bigger problem.

• 6:14Speaker 03

  Am I talking too fast?

• 6:15Caleb Hammer?

  No, you talk as much as you want. You're on a podcast. Listen.

• 6:20Caleb Hammer?

  I understand like, oh yeah, you know, oh, I'm worried about those two. Let's say Brandon and Lindsay and Colton going into a meeting because one has a grievance. Yeah, I'd be like, oh, I feel a little like, oh man, I hope it's okay. But I wouldn't be, I need to send in their parents because I'm genuinely afraid that they can't get out of that conference room. That's a different level.

• 6:42Speaker 03

  Well, no, no, no.

• 6:43Caleb Hammer?

  Like nervous, yes, that it might go a bit odd and they might be in a little titty daddy. Tiff tap, whatever, what the is that even called? I don't know.

• 6:52Speaker 04

  I didn't even know they were coming until like the last minute.

• 6:55Speaker 03

  Yeah, he didn't know they were coming. Well, because I didn't want you not to come. And anyways, we, we spent the night because my daughter stays with us. She's still breastfed at night. And so I needed someone to watch her as well. My mom was watching her right now.

• 7:08Caleb Hammer?

  Well, that's good, but that doesn't seem like the reason they came.

• 7:11Speaker 03

  That's not the whole reason.

• 7:12Caleb Hammer?

  His parents are here too. What the fuck are you guys like baby? They're 26 or what are they doing?

• 7:18Speaker 03

  Well, my parents.

• 7:19Speaker 04

  My parents wanted a little vacation and we told them we were coming.

• 7:22Caleb Hammer?

  That seems more normal.

• 7:23Speaker 03

  My parents just wanted to come. I don't know.

• 7:28Caleb Hammer?

  Yeah, out of the fear.

• 7:31Caleb Hammer?

  Why do we fear this conversation is going to go sour?

• 7:33Speaker 03

  Because he even the whole time I had told him that I applied for this. He goes, no, all of it's just going to be dogging on me or just going to dog on me.

• 7:40Caleb Hammer?

  Are you the problem?

• 7:41Speaker 04

  She always dogs on me every single time. Every day she dogs.

• 7:45Caleb Hammer?

  Every day you're just getting knifed every day.

• 7:47Speaker 03

  Maybe if you did.

• 7:48Speaker 04

  For everything I do.

• 7:50Speaker 03

  Maybe if you did what I asked, you wouldn't get dogged on.

• 7:53Caleb Hammer?

  What, what is she asking?

• 7:54Speaker 03

  Well, right.

• 7:55Caleb Hammer?

  What is she asking?

• 7:56Speaker 04

  What is she asking? She asked me to do like some laundry, dishes and stuff like that, which I do.

• 8:02Speaker 03

  No, he doesn't. He's not having a job right now.

• 8:04Speaker 04

  It's not her way. So if it's not her way.

• 8:05Speaker 03

  I came home, you literally before.

• 8:07Speaker 04

  No, no, if it's not your way, you'll do it.

• 8:09Speaker 03

  Listen, I came home. Okay. So I was working and my mom watches our daughter because anyways, so the baby wasn't with him. The baby was with my mom and I said, before we go on the show, I need you to do the dishes and the laundry. So I won't be stressed out. I came home, the laundry was still in the bed, not folded, and the dishes were still in the sink. He doesn't work right now, so I just need support just a little bit. And then I asked him, why are you not doing it? And then he was like, oh, I forgot you asked me and I texted and called.

• 8:37Caleb Hammer?

  Uh huh. So you're saying this happens every day though?

• 8:41Speaker 04

  Every day.

• 8:42Speaker 03

  Why does that make me bad if I'm asking you nicely?

• 8:45Speaker 04

  Even when I come, when I was, obviously I'm not working, I'm unemployed right now.

• 8:48Speaker 03

  No.

• 8:48Speaker 04

  But when I was working.

• 8:49Caleb Hammer?

  I know that, that's obvious. I didn't know that.

• 8:52Speaker 03

  I just wanted, I wanted to share the task with you.

• 8:54Caleb Hammer?

  Oh buddy, how do we survive on nineteen hundred dollars a month as a household?

• 8:57Speaker 03

  We don't, and I've been asking him just do anything on the side and.

• 9:00Caleb Hammer?

  And you won't do that?

• 9:01Speaker 03

  No.

• 9:02Speaker 04

  I haven't found anything.

• 9:04Speaker 03

  He, I'm like.

• 9:04Caleb Hammer?

  On the side?

• 9:05Speaker 03

  We have a lawnmower, there's plenty of people in our neighborhood, you can mow someone's yard.

• 9:09Caleb Hammer?

  A little racist.

• 9:10Speaker 03

  Not because he's Mexican, just because.

• 9:12Speaker 04

  That bitch.

• 9:13Speaker 03

  No, because I've mowed our yard many times before and he hasn't.

• 9:16Speaker 04

  She, she mowed like probably.

• 9:18Speaker 03

  No.

• 9:19Caleb Hammer?

  You haven't even mowed your own yard?

• 9:20Speaker 03

  No, he wants to pay somebody to mow our yard, even while we're still broke.

• 9:23Caleb Hammer?

  Unemployed making nineteen hundred a month as a household with a child. You're gonna pay someone?

• 9:29Speaker 03

  He wants to.

• 9:29Caleb Hammer?

  While you do nothing?

• 9:30Speaker 04

  No, not right now. This was before.

• 9:33Speaker 03

  My yard and he's mowing right now.

• 9:34Caleb Hammer?

  Will you mow it?

• 9:35Speaker 04

  This shit's been cleaning, so.

• 9:37Speaker 03

  I was at work all day.

• 9:39Caleb Hammer?

  Wait, what is he doing all day?

• 9:40Speaker 03

  Gaming probably.

• 9:42Caleb Hammer?

  Well, you can't confidently say.

• 9:43Speaker 03

  I have no idea what he does all day.

• 9:45Caleb Hammer?

  What do you do all day?

• 9:46Speaker 04

  Uh, lately I've been applying. I've been filling out a lot of applications.

• 9:50Speaker 03

  But it shouldn't take the whole day.

• 9:53Speaker 04

  I've been cleaning some of the house, because obviously she nags as soon as she gets home about it.

• 9:58Speaker 03

  Because you don't have the baby. My mom or his mom has the baby because he'll fall asleep with her and I'm worried about her like touching the gas or getting into something that she'll hurt herself with.

• 10:07Speaker 04

  That's another thing, she won't even trust me with my own kid.

• 10:09Speaker 03

  Because you fall asleep and you won't answer my text messages all day long.

• 10:13Caleb Hammer?

  I mean, is that true?

• 10:15Speaker 04

  No.

• 10:15Speaker 03

  Yes, yes, yes. Last time he was supposed to meet my mom, I called him and my mom was waiting an hour to pick up our child. And I said, where are you? He said, oh, sorry, I fell asleep in the chair. While he had our daughter.

• 10:29Speaker 04

  She was taking a nap.

• 10:30Speaker 03

  Okay, but I need you to answer the text messages and if you say you're gonna meet somebody to be there.

• 10:35Caleb Hammer?

  I mean, okay, okay. How frequently, so you're saying you're getting daggers every day from her? How frequently are we fighting and going at each other's throats?

• 10:42Speaker 03

  Every day.

• 10:43Speaker 04

  Yeah, it's every day.

• 10:44Caleb Hammer?

  Really?

• 10:45Speaker 03

  Every day.

• 10:45Caleb Hammer?

  And what is the topic typically? What's the most reoccurring topic?

• 10:51Speaker 03

  I just need help and I express what I want help with in the house while he's.

• 10:55Caleb Hammer?

  Okay, express it, express it right now.

• 10:57Speaker 03

  Okay, this is how I say it nicely before I leave.

• 10:59Caleb Hammer?

  Say it to him. I want to see what happens in these conversations.

• 11:02Speaker 03

  Hey, I'm gonna go to work. My mom has today. Can you please do the dishes and the laundry? Like all of it start to finish and he'll say, okay, yeah, I'll say, okay, I'll get home around five ish. Then I come home and it's not done and then he wonders why I'm mad.

• 11:15Caleb Hammer?

  It's not done her way.

• 11:16Speaker 03

  No, it's not done at all.

• 11:18Caleb Hammer?

  No, it's not.

• 11:19Speaker 03

  No, no, it's not. No, it's not. You're full of shit. No, it's not done.

• 11:22Caleb Hammer?

  So if it's not done her way, she'll.

• 11:25Speaker 03

  No, it's not done. It was all over the bed and like they were folded, which I appreciate. I didn't even get mad at that. I just.

• 11:30Caleb Hammer?

  They were folded, they were done.

• 11:32Speaker 03

  But you didn't even put up your stuff, but it was like you had the whole day to finish. So when I got home, I just wanted us to have dinner together as a family and you help with our daughter and like not me being like, why didn't you finish in the dishes? You said, oh, I um, I forgot you asked me to do that?

• 11:49Caleb Hammer?

  You never asked me.

• 11:50Speaker 03

  I can, I can show you right now. It's in my text messages. Hold on.

• 11:53Caleb Hammer?

  What?

• 11:54Speaker 03

  Cause I'm texting him.

• 11:55Caleb Hammer?

  Oh. She texts me like every single second and then expect me to reply to her every single second. Well, I will take a look. Next to it. I will take a look and vet that.

• 12:08Speaker 03

  Eight forty-five on Wednesday, it says, hey.

• 12:11Caleb Hammer?

  Let me see.

• 12:13Caleb Hammer?

  Whoa, whoa, whoa, poof.

• 12:14Speaker 04

  You see that, right?

• 12:16Caleb Hammer?

  Oh my goodness.

• 12:19Speaker 03

  Well, hold on. Well, I said I was pooping. Sorry.

• 12:22Caleb Hammer?

  That's okay. We can believe that you poop. We know. Okay. Uh, Trump would come at the size of this wall of texts.

• 12:34Caleb Hammer?

  This is cool.

• 12:36Speaker 03

  Look at the dates though. He doesn't answer me and then I got mad so I screenshot. I said, why didn't she answer me? And he's on his phone. Hold on. He's on his phone all day long.

• 12:42Caleb Hammer?

  Can I have your phone?

• 12:43Speaker 03

  And he's on Discord and I don't know who he's talking to on Discord. I don't know how it works because I don't know Discord. And who the hell are you talking to on Discord?

• 12:49Caleb Hammer?

  Who are you talking to?

• 12:50Speaker 03

  Who are you talking to on Discord?

• 12:51Speaker 04

  I have a group of friends that we gain.

• 12:54Speaker 03

  Is it girls? Is it guys? You are on that like the it's your girlfriend?

• 12:57Speaker 04

  It's guys. It's okay.

• 13:00Caleb Hammer?

  Well, hold on.

• 13:00Speaker 04

  There's guys and there's girls.

• 13:01Caleb Hammer?

  You're talking to people on Discord.

• 13:02Speaker 03

  I don't know how Discord works. I think he's doing it on purpose.

• 13:05Caleb Hammer?

  You're talking to people on Discord all day and I'm being told the game you play all day is Roblox?

• 13:09Speaker 04

  No, I play multiple games. She only, she only pointed that out because she does not want me to play it on, on Roblox. Because obviously I have spent, I have spent money on there, but I also spend money on.

• 13:22Caleb Hammer?

  You're 26?

• 13:24Speaker 04

  The what?

• 13:25Caleb Hammer?

  You're 26?

• 13:26Speaker 04

  Yeah, I spend, I game.

• 13:27Caleb Hammer?

  Yeah, Roblox!

• 13:28Speaker 04

  No, no, no. I play other things. Okay? It's not just Roblox.

• 13:34Caleb Hammer?

  Okay. Hey, bring, I know you're on your phone. Would you please bring her to me?

• 13:41Speaker 03

  That's our daughter. We call her.

• 13:42Caleb Hammer?

  Hello. Okay.

• 13:43Speaker 03

  Yeah.

• 13:44Caleb Hammer?

  Do you want to stay in Austin two days or do Austin the Waco? We could do the Dr. Pepper museum.

• 13:52Caleb Hammer?

  Would you like some help? Would like some help, please. Go ahead and pay the house, please.

• 13:57Speaker 03

  Look at the time.

• 13:58Caleb Hammer?

  So it's taking care for April. She continues, please do the clothes, a dishes and make sure everything with the cat is good. So we can head out early tomorrow. Okay, we can get all packs up for vacation.

• 14:13Caleb Hammer?

  To be clear, he has not responded once. Then she screenshot all of her texts and sent them. Love that you leave me on red, but it's always in freaking, in a freaking group chat. It's starting to really make me salty. You can text me back to back and you call me too, he says finally. Well, I see where I asked for dishes and I only call about this morning.

• 14:39Caleb Hammer?

  Okay, I assume that's the kid as well.

• 14:40Speaker 03

  Yeah.

• 14:41Caleb Hammer?

  He says, "You text me two words and then next two, and then the next two," laughing emoji. She says, "It's not funny. You just ignore me." He says, "I'm not." She says, "Your turn. I've been at it 20 minutes. I looked at the time. It was 7:33 when I started. You should always be done pooping, I hope." "You should be always done pooping."

• 15:02Speaker 03

  Cause he poops for like half an hour.

• 15:05Caleb Hammer?

  You're like speaking in half English. Like, it makes no sense. He says, "Did you rock her? Okay. Should've told me so I would've, so I could've put her to sleep a while ago. There's an accent on the letter A. I don't understand." And then he says, like, "Yesterday."

• 15:21Speaker 03

  We're a little dumb. Just a little.

• 15:23Caleb Hammer?

  I mean, yes. I mean, okay, she does send lots of texts.

• 15:28Speaker 04

  Yeah, and I'm always right next to her.

• 15:30Speaker 03

  No, why are you even right next to her?

• 15:32Speaker 04

  In a different room when she texts me that much. So I just reply to her in person.

• 15:36Caleb Hammer?

  Yeah, you do send a lot.

• 15:38Speaker 04

  Yeah.

• 15:39Speaker 03

  Those are jobs, I think, that I send them. He doesn't answer me.

• 15:43Caleb Hammer?

  Why aren't you applying for one?

• 15:44Speaker 03

  I asked him.

• 15:44Speaker 04

  I did.

• 15:45Speaker 03

  Did you apply for McDonald's?

• 15:47Caleb Hammer?

  Well, here she goes. This was just Sunday before coming on the show. Um, it's Friday when we're filming this. "I'm sorry for what I said in the car and during the argument. I was really overwhelmed and I let my frustration come out in a hate or in a hurtful way. I didn't mean to say I hate you or bring up custody like that."

• 16:05Speaker 03

  Yeah, because I told him. He said, "Why do you stay with me? Why do you, why do you stay with me?" And I said to him in the car, I said, "Because I know you'd fight me for custody."

• 16:14Caleb Hammer?

  That's what you said?

• 16:15Speaker 03

  No, that's what I said.

• 16:16Caleb Hammer?

  That's what she said.

• 16:17Speaker 04

  That's what you said?

• 16:18Speaker 03

  That's what I said. We were in the car. And I had-

• 16:21Caleb Hammer?

  I got that.

• 16:22Speaker 04

  Again, started from a small little thing.

• 16:25Speaker 03

  No, I spilled-

• 16:25Caleb Hammer?

  What was the small thing?

• 16:27Speaker 03

  No, I spilled hot soup on me, remember? And then you told me to shut up.

• 16:29Caleb Hammer?

  How do we go from you spilling-

• 16:31Speaker 04

  She was in a rush to be somewhere.

• 16:33Speaker 03

  No, you were. No, you said to me-

• 16:36Speaker 04

  We were going to a Easter thing.

• 16:38Speaker 03

  Yep, but he would not go to, hold on, hold on. He would not go if I asked him. His parents asked us to go. And I said, "Let me, listen, listen." I said, "Let me put soup in the car, cause I know our child can't have a hot dog. She's 13 months old." So I put soup, and I'm stupid again, and the soup exploded. Like, I put it in a container. It was too hot and exploded. It spilled all over my leg and I screamed.

• 16:58Speaker 04

  And she blamed me.

• 16:59Speaker 03

  No, he hit a pothole and then that's when it went all over my leg. And I screamed and he said, told me to shut up and I, then I said that.

• 17:06Caleb Hammer?

  Oh, my gosh. I'm just really burnt out and not okay right now. I want us to talk because I don't want to keep fighting like this. There has to be a way we can both communicate. I know you're overwhelmed with me. Are you overwhelmed with her?

• 17:20Speaker 04

  I'm 100% overwhelmed.

• 17:22Caleb Hammer?

  I do notice your help. I'm grateful today. You did the toilet and the laundry that you. You guys make this very difficult to read. I wish you could just type like normal. I'm really starting to get scared, honestly, because you don't have work, and that's fair, that is fair, and you keep work.

• 17:45Speaker 04

  Wait, and you keeping work even you get it, I feel.

• 17:49Caleb Hammer?

  What the fuck does that mean?

• 17:50Speaker 04

  I don't know what she.

• 17:51Speaker 03

  I said, even though he gets work, he can find work, but keeping it scares me because it hasn't been consistent for a while. Because I want to know that he can have a job and keep that job. The original plan was I was gonna stay home with our daughter for 18 months.

• 18:04Caleb Hammer?

  Well, that makes sense because then you said, I just want to feel like protected, but in an emotional way, I want to feel feminine. What does that mean?

• 18:11Speaker 03

  Because I feel like I take care of everything, so you didn't let me finish earlier.

• 18:15Caleb Hammer?

  If he is just sitting home playing video games all day and you're working all day, taking care of the kid, when you get home and doing dishes and dinner, would that not?

• 18:22Speaker 04

  This is just for like two, three weeks.

• 18:26Speaker 03

  No, it's been a month. It's been a month. And then he lost a job with our baby, was three months old. And the job I got, the reason I'm still part time is I took my child, I got a job where I could take her with me to work. She was working in the clinic with me every day till a year old. So I decided like, I don't like this situation. And I was a little bit like postpartum and I was like, I don't like not having control of money or knowing what's coming in. So I put that baby on my hip and I went to work. And then the same week I started, he lost his other job.

• 18:56Caleb Hammer?

  His entire response to that was, it's all right.

• 18:58Speaker 03

  Yeah, I know. That's what he tells me all the time. It's good. It's all right. It'll be fine. Yeah, because he's not the one paying everything, dealing with everything. And I think he thinks that family's just gonna always bail us out.

• 19:08Caleb Hammer?

  You asked him, what could I do to make you happier? He never responded.

• 19:12Speaker 03

  He doesn't ever.

• 19:13Caleb Hammer?

  And then you texted, help. He said, what?

• 19:15Speaker 03

  Oh, I needed help with the baby.

• 19:17Caleb Hammer?

  Well, yes. And he said, what? And you said, she bit and pinched me. Can you rock her? He said, slap her, then.

• 19:25Speaker 03

  Yeah, I don't slap her.

• 19:27Caleb Hammer?

  That's what you said.

• 19:27Speaker 04

  Punished for doing that sort of stuff, yeah.

• 19:32Caleb Hammer?

  How old is she?

• 19:33Speaker 03

  13 months.

• 19:36Speaker 03

  I know, I know.

• 19:37Caleb Hammer?

  And then, okay.

• 19:41Caleb Hammer?

  Okay, um, Colton, may I have? Listen, this seems to be never ending.

• 19:49Speaker 03

  It's not ever ending. For me, at least, it feels like.

• 19:52Caleb Hammer?

  Oh, sorry, the, the, those lovely little things, yes. Yeah, gamer subs, it's delicious. I'm more concerned with this right now than plugging that. It is never ending. These are the texts on y'all's way to the studio from East Texas. What is it, like a four hour drive or so?

• 20:10Speaker 03

  Yeah.

• 20:11Caleb Hammer?

  Just about?

• 20:13Caleb Hammer?

  I assume this is from her, right?

• 20:14Speaker 03

  Yeah, he doesn't know that I was texting all this.

• 20:18Caleb Hammer?

  Okay, well, she was texting Colton all this on the drive. You must have been driving.

• 20:24Speaker 04

  Yeah.

• 20:24Speaker 03

  Yeah, he would, he saw it pop up, like Hammer Media, but he didn't see, and he was like, what are you saying to them? And I was just like, oh, just, you know, this and that.

• 20:31Speaker 04

  I don't even know.

• 20:33Caleb Hammer?

  Oh, okay, this is what she said. Keep it fun lol. Really, the fights never stop with us. I woke up with the baby at 6 a.m., made me her breakfast, woke him up at 7. He asked for another house. I said, sure. I assume hour?

• 20:51Speaker 03

  Hour, yeah, another hour.

• 20:52Caleb Hammer?

  Geez, girl, you gotta, I said, sure, woke him up at 8, and he didn't get up to 8:40. Shit, shower and shave. It takes forever to do this. We're in the car and he, like you want donuts. I said, no, we already ate food. Plus, he did not have a protein shake. Plus, he did have a protein shake. I told him halfway through the, through, we could stop somewhere cheap like McDonald's for our daughter to get out, play break, the drive up for her, you know. Girl.

• 21:29Caleb Hammer?

  I know because I know because I with her all the time.

• 21:33Speaker 03

  Sorry.

• 21:34Caleb Hammer?

  How do you want me to reply to all that every time? Anyways, I said no, he said, well, then I'm gonna be grumpy the whole trip. I 90% of the time am on E.

• 21:46Speaker 03

  I'm not.

• 21:47Caleb Hammer?

  And don't have the energy to fight him. She's texting this on the way, on the way to the studio this morning.

• 21:53Speaker 03

  No, yesterday morning.

• 21:55Caleb Hammer?

  Oh, okay. You guys stayed overnight?

• 21:57Speaker 03

  Yeah.

• 21:57Caleb Hammer?

  Okay, so you guys stayed overnight on the, on the way to Austin.

• 21:59Speaker 03

  Cause he wanted donuts and I was like, hey, I already made food and he was like, I'm gonna be grumpy if I don't get what I want, basically.

• 22:05Caleb Hammer?

  I just said, cause I know the way she is, so she's gonna be grumpy.

• 22:09Speaker 03

  I already ate.

• 22:10Caleb Hammer?

  The whole ride home, she was, oh, not home here, she was grumpy. She was complaining about everything, complaining about my driving.

• 22:15Speaker 03

  He almost wrecked us.

• 22:16Caleb Hammer?

  And so I already knew if I didn't have any food, we were both gonna bump heads and I didn't want that. I wanted this to be like, uh, okay, let's relax. We're gonna go do this. If I'm not mistaken, you weren't even gonna come on the show, were you?

• 22:29Speaker 03

  He wasn't.

• 22:30Caleb Hammer?

  When'd you decide you were? Probably like last minute. Why? I'm glad you are, so hopefully you can actually deal with this dynamic because I wouldn't know what to do if it was just you and we're just talking about this. Plus I wouldn't get his perspective and that wouldn't be fair. You continued, I also said, hey, I need you to watch the baby's name, Out Child, so I can finish packing. He fit me that I take forever to pack, put a few diaper and a few outfits. I know she needs her own cup, some toys, medicine, just in case her teeth, sound machine, wipes, rash cream, et cetera, et cetera. I packed out bag this morning.

• 23:08Caleb Hammer?

  Then how the fuck did you read all this shit?

• 23:11Speaker 03

  Well, a lot of it was calls too, so that's probably why. He called me, he'd be like, I don't.

• 23:16Caleb Hammer?

  Yesterday I said, please get all the laundry done because it will help me not be so stressed and the dishes. He waited until I got home to do them. Well, he did them though, right? I mean.

• 23:29Speaker 03

  But we now have the child and I'm wanting to also help with each other. I said before he got, before he got home.

• 23:37Caleb Hammer?

  My mom watched our daughter yesterday. My mom watched our daughter yesterday. Anyways, make me feel like he really doesn't care at all. Do you care?

• 23:46Speaker 03

  Do you? Do you care about me or just?

• 23:52Caleb Hammer?

  Do you care about her anymore or is it just the child?

• 23:54Speaker 03

  Is it just?

• 23:56Speaker 04

  I care about both. I care about both.

• 23:58Caleb Hammer?

  And you?

• 23:59Speaker 04

  And that's the only reason that I told her, okay, I'll do it.

• 24:04Caleb Hammer?

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• 24:17Speaker 07

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• 24:46Caleb Hammer?

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• 25:30Caleb Hammer?

  Plus, their team is in Phoenix, Arizona. So when you call them, you talk to a real person. It only takes three minutes to check your rates and it doesn't impact your credit score. If you've been told no a million times, try Y refi. Head to Y refi.com/hammer. That is Y R E F Y dot com slash hammer or call 888 Y refi 78. That is 888 Y refi 78. Break free from the high interest trap and get your finances under control once and for all. You suck with money, so you download a budgeting app. You start with the classic one, Y net, 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? 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.

• 26:15Caleb Hammer?

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• 26:43Speaker 03

  Um, I care about both, but I'm really starting to get to a point where if it doesn't feel like he cares. So I want to be with somebody that cares.

• 26:51Caleb Hammer?

  What is the feeling of him not caring?

• 26:53Speaker 03

  Because like I ask him to do these things and like he just blows me off. Or I tell him I want, and it's not just finances, it's everything. So it's that from finances to I want him to like come to church with me. I want him to do stuff with me and he'll just be like, he'd just rather be at home. He wants me to go to the club. I cannot go to the club with a 13 month old. He wants me to go out. That's not my.

• 27:17Caleb Hammer?

  So watch the kid so she can go out.

• 27:19Speaker 04

  I do. I give her options. Many times I tell her, all right, go, go have your own time, go relax. I'll watch over the kid. She always tells me no.

• 27:28Speaker 03

  No, he takes them to his mom.

• 27:30Speaker 04

  No.

• 27:30Speaker 03

  Yes.

• 27:31Speaker 04

  Even at home, I tell her, okay, let me take care of her.

• 27:34Speaker 03

  No, you say she, she doesn't want me.

• 27:36Speaker 04

  Go have your, you know, alone time. Cause she always complains that she never has it. And when I give her the option or when I tell her, hey, I, I, I could take care of her. So you could relax.

• 27:46Speaker 03

  But when he takes care of her, she just screaming because he falls asleep in the chair. So that's not taking.

• 27:51Caleb Hammer?

  Do you even want to be with each other? Because the note that I have says, "The moment you found out you were pregnant, you told him and his quote was good. Now you can't leave."

• 28:00Speaker 03

  That's what he told me. I don't know if it was a joke or not, but that's literally what he said.

• 28:04Speaker 04

  So she, she has no like, her humor's scale is not an existent.

• 28:11Speaker 03

  No, yes it is.

• 28:12Speaker 04

  Every, every time I make a joke or something like that, she would take it literally. So.

• 28:16Speaker 03

  No, I don't, but I was thinking about it. But like, you know, since your actions have proven stuff like I

• 28:23Caleb Hammer?

  Do we get quality time together anymore?

• 28:25Speaker 03

  No.

• 28:25Caleb Hammer?

  At all? You guys?

• 28:27Speaker 03

  No.

• 28:28Caleb Hammer?

  Well, how long have we been together?

• 28:29Speaker 03

  Like, together or married?

• 28:31Caleb Hammer?

  Both.

• 28:32Speaker 03

  Six years together, four years married.

• 28:33Caleb Hammer?

  Oh, how was it before the kid?

• 28:36Speaker 03

  Good.

• 28:37Caleb Hammer?

  So it blew up with the kid?

• 28:38Speaker 03

  Yeah.

• 28:38Caleb Hammer?

  So kid's sixteen months old?

• 28:40Speaker 03

  Thirteen.

• 28:41Caleb Hammer?

  Thirteen. Can I sleep in the same bed?

• 28:43Speaker 03

  No. We didn't even sleep in the same bed at the hotel.

• 28:47Speaker 04

  Lately now.

• 28:48Caleb Hammer?

  Not even at the hotel?

• 28:49Speaker 03

  No. She, me and my daughter share a bed.

• 28:51Caleb Hammer?

  What happened?

• 28:52Speaker 03

  Hmm, nothing. We just don't really sleep in the same bed.

• 28:55Speaker 04

  Yeah, we don't.

• 28:57Caleb Hammer?

  For how long?

• 28:58Speaker 04

  It's been, uh, what, over a month now?

• 29:00Speaker 03

  No, probably. Probably over a month.

• 29:06Caleb Hammer?

  Who initiated?

• 29:07Speaker 03

  Well, he just doesn't come in the bed because, that was funny, sorry, because, um,

• 29:14Speaker 03

  sorry, because he'll be gaming and so me and my daughter share a bed. Um, so since we share a bed, he'll be like, well, y'all are taking up too much of the bed. We have a king size bed, so he's like, I'm not gonna sleep in the bed. So he just goes to the couch. I don't make him go to the couch. He decided that.

• 29:30Caleb Hammer?

  Why are you prioritizing gaming over your family here, man?

• 29:33Speaker 04

  I'm not.

• 29:34Speaker 03

  I asked him, I said, no, yes, you did. I asked you to choose and you never would. If I threw the games away today, he would divorce me. Yes.

• 29:44Caleb Hammer?

  No, if she actually did that.

• 29:45Speaker 04

  We were talking about it, but

• 29:47Speaker 03

  No, and then I gave him, and then I said, okay, that's not fair because it's your hobby. Listen, I said, I just need you to play a game an hour a day and I said, and then me do something an hour a day.

• 29:55Caleb Hammer?

  Well, why? Why, why are we doing this like weird artificial cap? This doesn't make sense either. I don't want to go in the extreme other direction.

• 30:01Speaker 03

  Because

• 30:01Caleb Hammer?

  Sometimes there will be more time and sometimes you gotta man the fuck up and there won't be time. And also you need to get a job! But regardless, like there will be days where it's okay. Maybe he needs a little extra space. That's okay. Maybe you need a little extra space too. Doing this artificial cap, it doesn't really make sense.

• 30:18Speaker 03

  But the thing is, is that it's usually from the time our daughter goes to sleep until hell, one, two, three, four AM. That's how long he's playing every single day. Yes. Yes.

• 30:28Caleb Hammer?

  When's the last, uh, time he's been in you?

• 30:33Speaker 03

  I don't know.

• 30:35Speaker 04

  Three months?

• 30:36Speaker 03

  Three, four months. I don't know.

• 30:41Caleb Hammer?

  So everything's kind of going in the wrong direction? And why is that the case?

• 30:49Speaker 03

  It's not just me. I can't be the only one responsible for the relationship and the family and everything. I feel pressure on my shoulders all the time.

• 30:56Speaker 04

  This is what I had to deal with. Every time I tell her something, she acts like a victim. She'll go on, I do this, I do that.

• 31:03Speaker 03

  I do do that.

• 31:04Caleb Hammer?

  What do you mean? No, no, let him speak.

• 31:06Speaker 04

  So every time if I bring something up, she'll be like, she'll play the victim like, "Oh, I do all this and you don't help, you don't do this." But in reality, I give her things that I could, I tell her, "Okay, I'll do this. I'm doing this, but I'm gonna do it on my own time when I can do it." But if it's not done that time, obviously, she'll get frustrated, grumpy, and then end up in the same situation.

• 31:33Speaker 03

  In a way, yeah. He's not 100% wrong, but in a way, it'd be like, let me say, like, "Can you wash this pan so it's ready for dinner?" or whatever. Like, let's say I cooked eggs that morning. Or I had something at work the other day and I left some eggs on the pan and some strawberries. And he'll leave it the whole day and I'll have to tell him, "Hey, can you..."

• 31:51Speaker 04

  She always leaves a mess.

• 31:52Speaker 03

  No, I don't.

• 31:53Speaker 04

  After she eats, she leaves a plate on the table.

• 31:55Speaker 03

  No, not always, no.

• 31:56Speaker 04

  Lives a mess in the kitchen.

• 31:57Speaker 03

  No.

• 31:58Speaker 04

  And then expects me to clean it up.

• 31:59Speaker 03

  No, why is your gaming thing? When I'm in a hurry in the morning, I say, "Hey, can you get this real fast?" And I'm talking about our child's highchair. He thinks I'm the only parent responsible for taking care of her 90% of the time. He won't even change her diaper half the time.

• 32:11Speaker 04

  She just assumes.

• 32:12Speaker 03

  No, no. And I say, "Hey, if you're home, it'd really help me because I'm trying to get her." I just want help. It doesn't have to be all the time. I just want help.

• 32:19Caleb Hammer?

  You guys seem like roommates.

• 32:21Speaker 03

  Yeah, we kind of are.

• 32:22Caleb Hammer?

  I mean, you told Colton you basically are. I also told Colton you think he hates you at this point.

• 32:26Speaker 03

  I do think he hates me.

• 32:28Caleb Hammer?

  Why? What is expressed and shown in a way that you think he hates you?

• 32:32Speaker 03

  Because every time I ask him something, I look at him, he looks at me with disgust.

• 32:36Caleb Hammer?

  Disgust?

• 32:37Speaker 03

  Disgust.

• 32:38Caleb Hammer?

  Do you feel that disgust?

• 32:40Speaker 04

  Same face I have right now is what I give her all the time.

• 32:44Caleb Hammer?

  What is the dynamic? What do you typically hear when you express these things? When you ask to talk about these things? When you request something? What do you face on the other side?

• 32:57Speaker 03

  He'll just be like, he'll just, he just blows me off, or he'll tell me he'll do it and he'll just be like, "Oh, it'll be okay." There's never ever a plan or anything.

• 33:06Caleb Hammer?

  No conclusion, no actionable steps?

• 33:07Speaker 03

  No.

• 33:08Caleb Hammer?

  Well, that's not, it's not very helpful. Where do you lead from there? Sounds like you just want to shut down the conversation.

• 33:14Speaker 03

  That's how it is. He doesn't want to take.

• 33:15Caleb Hammer?

  Go back to gaming.

• 33:16Speaker 03

  He doesn't want to take accountability for anything. I will tell you, yeah, sometimes I am wrong and yeah, sometimes I do.

• 33:21Caleb Hammer?

  Well, let him respond to that.

• 33:24Speaker 04

  Go, go ahead.

• 33:25Caleb Hammer?

  No, go ahead. It sounds like you just shut down conversations and tried to get back to gaming instead of doing anything actionable.

• 33:31Speaker 04

  I, I shut them down because she gets very, very like angry, starts cussing me and all this stuff.

• 33:41Caleb Hammer?

  Is she blowing up on you?

• 33:42Speaker 04

  Yeah.

• 33:43Caleb Hammer?

  Well, that's not going to be a productive conversation regardless at that point.

• 33:46Speaker 04

  For me to be not like a, a bad partner, I just, I leave it at that. I let her relax. I do, that, that's the way I cope with stuff.

• 33:59Caleb Hammer?

  So whatever. What's your cope? What are you contributing? What are you actually doing to make positive changes via what she's requested? And not that every request must be met with like equal like validity.

• 34:12Speaker 04

  Well, I just, I listen to her.

• 34:13Caleb Hammer?

  On some things.

• 34:14Speaker 04

  I listen to her.

• 34:14Speaker 03

  But you don't do anything.

• 34:15Caleb Hammer?

  What about next? What about steps after that?

• 34:18Speaker 04

  What do, I do the action.

• 34:19Caleb Hammer?

  What? What are the actions?

• 34:21Speaker 04

  So like, she tells me to like fold the laundry, do this, clean the house.

• 34:24Caleb Hammer?

  Such microtic things. What else? What about actually like accomplishing something? You've been fired from four jobs. You refuse fast food jobs. You refuse to take anything that you think is beneath you, yet you're beneath everything. As far as I know, getting fired from four jobs. Why are you getting fired from everything? Both of your parents, both of her parents have tried to get you jobs, but you say no every time.

• 34:47Speaker 04

  That is not true. I have said yes.

• 34:48Speaker 03

  Yeah, but you.

• 34:49Caleb Hammer?

  This is the notes from her.

• 34:50Speaker 03

  You apply for, no, you apply, okay.

• 34:52Speaker 04

  See, I didn't even know this word notes that she said.

• 34:55Caleb Hammer?

  There are notes that she said. You can respond to them.

• 34:57Speaker 04

  So obviously some of those things are not true because I did, I did tell them, yeah, I'll, I'll do it. I'll apply.

• 35:03Speaker 03

  He applied for the Panda Express job, but he applied as a manager. He doesn't have any manager.

• 35:08Speaker 04

  I applied for both.

• 35:09Speaker 03

  Qualities.

• 35:09Speaker 04

  There were, because she was the one that told me, hey, I'm not a manager. It's going to pay good. I was like, okay.

• 35:15Speaker 03

  For both, but Tim said, that's my.

• 35:18Speaker 04

  But I applied for both positions. It was like a cooker and manager assistant or something like that. But I do do the stuff.

• 35:28Speaker 03

  Have you applied at McDonald's?

• 35:30Caleb Hammer?

  How?

• 35:30Speaker 03

  I, I, I don't know. He's

• 35:32Caleb Hammer?

  Why?

• 35:32Speaker 03

  I've asked him because I know.

• 35:33Caleb Hammer?

  Huh?

• 35:34Speaker 03

  He hasn't had time. That's why he just.

• 35:36Caleb Hammer?

  Time? What the?

• 35:36Speaker 04

  I'm applying at other places.

• 35:39Caleb Hammer?

  But you just need income in the door. We can't survive on nineteen hundred dollars a month. I don't know how we do. I don't even know how you're spending money on video games. When we're making nineteen hundred dollars a month as a household with a kid.

• 35:49Speaker 04

  I haven't even spent lately for that.

• 35:51Caleb Hammer?

  What do you mean you don't even spend?

• 35:52Speaker 04

  I haven't.

• 35:53Caleb Hammer?

  She got a call.

• 35:53Speaker 04

  I spent before.

• 35:54Caleb Hammer?

  She got a call from your mom demanding that she pays for all of your Roblox charges. Because apparently you use your own mother's money to pay for your little Roblox charges.

• 36:06Speaker 04

  No.

• 36:06Speaker 03

  Well, it's a joint.

• 36:07Caleb Hammer?

  That's what she has.

• 36:08Speaker 04

  It's my, it's my card.

• 36:10Caleb Hammer?

  Call her then.

• 36:11Speaker 03

  Bec- I don't know. She did call me. I guess to tell them.

• 36:15Speaker 03

  And that's where it started getting like the biggest blow up we had, I think.

• 36:18Caleb Hammer?

  Your mom called her. That means something. That means something is actually going on there.

• 36:25Caleb Hammer?

  I gotta note that you spent a thousand hours on video games on your mother's credit card for Roblox and we have screenshots of the charges that your own mother sent.

• 36:34Speaker 03

  No, I, I, I took the screenshots or yeah, I.

• 36:38Caleb Hammer?

  But it is from your mother.

• 36:39Speaker 04

  Well, that's it.

• 36:40Caleb Hammer?

  So you can't tell me that didn't happen. We got screenshots, receipts.

• 36:45Speaker 04

  I never said didn't happen. I'm saying

• 36:49Speaker 04

  that the, the account was mine. It's not my mother's. It's mine.

• 36:53Speaker 03

  It's a joint credit card, but they use it because he, we consolidated their debt both one time.

• 36:58Caleb Hammer?

  How dare you with a child be spending money on a credit card for Roblox? That is money you have to pay back or you expecting your mother to pay back? How are you doing that on a nineteen hundred dollar a month income where you refuse to get a job? You won't even apply for McDonald's.

• 37:14Speaker 03

  I think he thought our tax. I think he thought our tax return was gonna pay it off.

• 37:18Caleb Hammer?

  No offense, but I don't have time to pay for, apply for McDonald's. Don't you have literally all day?

• 37:26Speaker 04

  Yeah.

• 37:28Caleb Hammer?

  Give me your phone.

• 37:31Caleb Hammer?

  Like you, you have one when you're.

• 37:35Caleb Hammer?

  Just give me your phone. I'm not gonna go through anything naughty. You have my word on that. I don't need to see-

• 37:40Speaker 03

  I wanna see his Discord because I don't know how to work it, but we can look at that later.

• 37:44Caleb Hammer?

  You don't know how to work it?

• 37:45Speaker 03

  I don't know how, okay, I'm old.

• 37:47Caleb Hammer?

  No, you're objectively not. I don't know. Like... Okay... I mean, I swiped down. First thing that popped up was Discord.

• 37:58Speaker 03

  Yeah, because he's on it all the time. I don't know what he does on there.

• 38:01Caleb Hammer?

  Okay. So, okay. The last full week. Discord was used 12 hours and 13 minutes just on this phone. That's not even on your computer. I know you're using it on your computer.

• 38:13Speaker 03

  It's like this little block on the side.

• 38:14Caleb Hammer?

  TikTok, 5 hours 51 minutes. You don't have time to apply for McDonald's?

• 38:21Caleb Hammer?

  Sounds like we had at least actually almost borderline a full 24 hours to apply for McDonald's of screen usage. Uh, okay. Messages, 3 hours and 14 minutes a day, but you can't respond to her?

• 38:32Speaker 04

  I am-

• 38:33Speaker 03

  No, you're not responding to me.

• 38:35Speaker 04

  That's the time.

• 38:36Caleb Hammer?

  Okay, Snapchat, an hour and 46-

• 38:40Speaker 04

  I just scrolled through things. I don't even use that.

• 38:43Caleb Hammer?

  What are you doing on Snapchat?

• 38:45Speaker 04

  Nothing.

• 38:47Speaker 03

  I wanna know what he's doing on Discord.

• 38:48Caleb Hammer?

  An hour and 46 minutes of Snapchat's odd. That is odd.

• 38:55Speaker 04

  For an hour?

• 38:56Caleb Hammer?

  Yeah, Snapchat. What, I mean, without you being able to tell me what you're doing?

• 39:00Speaker 04

  There's, uh, this was Real Things? Is it called Reels or Snap Things?

• 39:04Caleb Hammer?

  Dude, 6 hours 13 minutes a day on, on your phone, and that's without... That's without your computer.

• 39:11Speaker 04

  No.

• 39:12Caleb Hammer?

  Okay, who's-

• 39:14Speaker 04

  That's a friend.

• 39:16Speaker 03

  I have no idea. Never heard of her.

• 39:20Caleb Hammer?

  Uh huh.

• 39:23Caleb Hammer?

  Okay. All messages from previous of yesterday have been deleted.

• 39:31Speaker 03

  Why the hell have they been deleted?

• 39:34Speaker 04

  What messages? She is, uh, I think she's from Siberia. Met her through Discord.

• 39:43Caleb Hammer?

  And?

• 39:43Speaker 03

  So he talks to people on Discord. I've been asking who the hell he's talking to on Discord.

• 39:48Speaker 04

  I'd tell you.

• 39:49Speaker 03

  No, you don't. You just say, like, you just say, "group chat, group chat, a group chat."

• 39:54Caleb Hammer?

  So this morning, she says, "I miss talking to you, frowny face. You said, 'Hi, you know where to find me, smiley face. I didn't leave this time. I miss your voice too.'"

• 40:11Caleb Hammer?

  He says to her, "Nerdy looks good on you, though. It's cute."

• 40:15Speaker 03

  Is this in, like, recently?

• 40:17Caleb Hammer?

  Oh, uh, it's, I believe, if I'm not mistaken, while you were in the green room.

• 40:26Speaker 04

  I told you.

• 40:27Speaker 07

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• 40:57Speaker 03

  Like, when we were back there?

• 40:59Caleb Hammer?

  Were they, were they in the green room at 10:11?

• 41:02Speaker 03

  Yeah.

• 41:03Caleb Hammer?

  It was at 10:11.

• 41:04Speaker 03

  And my mom even told me, sorry, but she even mentioned to me, she said, "I picked up and he was on his phone. Who is he on his phone with?" Do you think? He, she said to me at breakfast at the hotel, she said, "Do you think he's talking to somebody else?"

• 41:15Caleb Hammer?

  He says, "I know, ha, ha, ha. I guess I'd just be entertaining these girls too much."

• 41:23Speaker 03

  What, what, Discord?

• 41:28Speaker 03

  Why are you playing dumb? I know you know.

• 41:32Speaker 03

  Tell me.

• 41:34Speaker 04

  What, on Discord?

• 41:35Speaker 03

  No, tell me what this is.

• 41:36Speaker 04

  It's everybody I talk to.

• 41:37Speaker 03

  No, tell me what this is about.

• 41:38Caleb Hammer?

  Dude, the amount of smiley faces in here, all this stuff she's saying, "I miss talking to you." Like, what is happening? What is happening?

• 41:53Caleb Hammer?

  You guys got the best friend marker?

• 41:57Caleb Hammer?

  Like, dude, this is weird, man.

• 42:03Caleb Hammer?

  Who's C that you sent a picture to yesterday? Today, an hour ago?

• 42:07Speaker 04

  C. That is someone that added me yesterday?

• 42:12Caleb Hammer?

  And?

• 42:14Speaker 04

  I don't even know him well.

• 42:18Caleb Hammer?

  Yay.

• 42:19Speaker 04

  It was like, from, as well as Discord, but...

• 42:23Caleb Hammer?

  Well, he said, she was like, "Hey, your real name." And you're like, "Ha, ha, ha." And she's like, "Is that even your real name for sure? I never knew your real name." So you guys know each other.

• 42:33Caleb Hammer?

  I mean, I'm just gonna ask right now, so I'm looking through this. Why are you talking to, I'm not even done, four individual women on Snapchat? While she's in the green room getting on boarded for this video and taking care of the kid?

• 42:48Caleb Hammer?

  Please, this is your, this is, this is, this is...

• 42:50Speaker 03

  Please tell me, because I'm really upset, like...

• 42:52Caleb Hammer?

  This is the time. I, I didn't know we were gonna see this, no one knew, he didn't know.

• 42:56Speaker 03

  I didn't know, I didn't know, I didn't know he was gonna look at your snap.

• 42:59Caleb Hammer?

  Um...

• 43:00Speaker 03

  I wanted to look at your Discord.

• 43:01Caleb Hammer?

  This is the literal time where, if you have a defense, this is now.

• 43:04Speaker 04

  It's nothing like serious, it's just friends that we're chatting. Obviously, I have...

• 43:09Caleb Hammer?

  It's very flirty, lots of smiley faces, ha, ha, ha.

• 43:13Speaker 04

  That's just my person.

• 43:14Speaker 03

  But you can't, but you don't answer me.

• 43:16Speaker 04

  I do answer you.

• 43:17Speaker 03

  You don't put a smiley face with me.

• 43:19Caleb Hammer?

  Okay, who's?

• 43:22Speaker 04

  Also another person?

• 43:24Caleb Hammer?

  Okay.

• 43:24Speaker 03

  That might be from her.

• 43:25Caleb Hammer?

  Listen, nothing is saved in the images, so I cannot see that, but there are lots of images being sent back and forth between these people. From these women to him. And from him to the women.

• 43:34Speaker 04

  Regular Snapchats. Things mainly black screens.

• 43:38Caleb Hammer?

  Well, she asked a valid question of, "Why are you awake at 3 a.m.?"

• 43:45Caleb Hammer?

  Okay, this is, this is the first one that doesn't seem flirty. So there is a difference between flirt at you and not flirt at you.

• 43:51Speaker 04

  Yeah, I'm always, I'm always the same person.

• 43:53Caleb Hammer?

  The other three are, no, because the other three are flirty, like, ha, ha, ha, like, oh, I love hearing your voice too and miss it, smiley face, smiley face. This one's just like very simple. You're just responding basics to what she says.

• 44:05Speaker 03

  Oh, yeah, I know who is because his friend and him are best friends and it's one of my, I know who that is. I know and her husband and both of us are all friends.

• 44:15Speaker 04

  That's a different thing.

• 44:18Speaker 03

  No, I know who is. We've all hung out together. I know who she is. That's the only one you've brought up that I know who is.

• 44:23Caleb Hammer?

  There's a lot of women in here, but again, they are disappeared messages because it is Snapchat. You played that game well, but there's

• 44:48Caleb Hammer?

  It's been a few weeks, but there are literally as of this morning, four to five.

• 44:53Speaker 04

  Yeah, like I said, I don't use it as much.

• 44:57Speaker 03

  Like an old job. It's like an old group message from job.

• 45:01Caleb Hammer?

  Okay, so that's, yeah, that's a guy named.

• 45:05Caleb Hammer?

  Okay. I mean, to be clear, this is

• 45:11Caleb Hammer?

  This is who he's messaging this morning. Little gooner.

• 45:18Caleb Hammer?

  Come on, guy.

• 45:20Speaker 03

  You know you have a daughter, right?

• 45:22Caleb Hammer?

  This is your chance to respond. I don't know.

• 45:24Speaker 05

  You have the right to remain silent. Anything you say can and will be used against you in a court of law.

• 45:29Caleb Hammer?

  Is your only excuse that there is nothing?

• 45:32Speaker 04

  There is nothing.

• 45:33Caleb Hammer?

  Well, your wish is my command.

• 45:38Caleb Hammer?

  Why'd you log out of Discord?

• 45:39Speaker 03

  I don't know.

• 45:40Speaker 04

  I've been logged off for like

• 45:41Speaker 03

  No, he hasn't. He was on play, he was on it yesterday, Darren McDonald's, less than 24 hours ago.

• 45:46Speaker 04

  I log off all the time.

• 45:48Speaker 03

  No, there's something on Discord. I know there is. In my gut, I know there is.

• 45:52Caleb Hammer?

  Are you guys in an open relationship?

• 45:55Speaker 03

  No, absolutely not.

• 45:57Caleb Hammer?

  This would be okay if you were. Are you guys allowed to open flirt?

• 46:01Speaker 03

  No, absolutely not.

• 46:03Caleb Hammer?

  Okay, because this is okay if those rules have been established. Regardless of if you have sent or received nudes from them, they are objectively flirty.

• 46:14Speaker 03

  We're not absolutely not, no, in an open relationship whatsoever.

• 46:18Caleb Hammer?

  Uh, you also mentioned to Colton about weird 18 plus charges and you were confused?

• 46:23Speaker 03

  Oh, cuz he said that he was on Roblox and he said, I play something about 18 plus on Roblox.

• 46:29Caleb Hammer?

  Okay, liar. I mean, I, dude, I have access to everything. Discord on this phone. Discord on this phone today, you've been on for an hour and 37 minutes.

• 46:37Speaker 04

  Yeah.

• 46:38Caleb Hammer?

  You logged out right before filming. Cause you knew we were gonna go right into it.

• 46:42Speaker 04

  I log on and off.

• 46:43Caleb Hammer?

  So you'll log in right now for me?

• 46:46Speaker 04

  No.

• 46:47Caleb Hammer?

  No?

• 46:48Speaker 04

  No.

• 46:49Speaker 03

  Cause there's something on there. I know there is.

• 46:50Caleb Hammer?

  There is for a fact something on there if you won't log on right now. Cause no one's identities will be exposed. Every person that we just mentioned, it's all bleeped. And blacked. So no one's identities are being exposed. And yet, you're not willing to log into Discord right now?

• 47:05Speaker 04

  No.

• 47:06Caleb Hammer?

  Why?

• 47:07Speaker 03

  It's better if you tell me now.

• 47:12Speaker 04

  Why? Because that, that one does to be just like private thing with me and her.

• 47:18Caleb Hammer?

  What will we, what will happen? What will she find?

• 47:21Speaker 04

  Nothing. Honestly.

• 47:23Speaker 03

  Open it.

• 47:25Speaker 04

  Yeah, okay, here, let me open it and I'll show her.

• 47:30Speaker 04

  There's nothing.

• 47:31Caleb Hammer?

  And these weird 18 plus charges?

• 47:33Speaker 03

  I don't know. That's what I'm asking him.

• 47:35Caleb Hammer?

  No, those are... As he's logging in, make sure he's not deleting any chats.

• 47:39Speaker 04

  Trying to log in.

• 47:44Speaker 03

  He said Discord, no, not Discord. I don't know.

• 47:47Speaker 04

  Cause she was afraid that I was like chatting with minors.

• 47:52Speaker 03

  I just wanted to make sure he wasn't chatting with anyone who's not his age.

• 47:55Caleb Hammer?

  You were afraid he was talking to minors?

• 47:57Speaker 03

  Well, I said, what are you?

• 47:57Caleb Hammer?

  Why do you have that fear?

• 47:58Speaker 03

  I said, what are you doing on, guess it's Roblox. I said, I babysit kids that play it. What are you doing on there?

• 48:03Caleb Hammer?

  I agree, but what is making you have that fear?

• 48:05Speaker 03

  Because why are you on Roblox that long?

• 48:07Speaker 04

  And I explained to her, Roblox is, there's a limit. When you play, when you put your ID, you put your time, you put your name.

• 48:16Speaker 03

  I don't know, like...

• 48:17Speaker 04

  You, you get cut off from all that. You only talk to people your age.

• 48:21Speaker 03

  Cause I wanted to make sure, cause everyone I babysit, like, and I tell parents, like, oh, I don't like them playing this when I'm watching them, cause I don't know what, like, who they're playing with, but I've seen a lot of kids wanna play it.

• 48:32Speaker 03

  It won't log in. I think he changed the password and can't remember.

• 48:34Speaker 04

  No, it says the location is new login location is different. Hold on.

• 48:40Speaker 03

  Think he changed the password and can't remember it.

• 48:42Caleb Hammer?

  Okay, keep an eye on that phone as he's getting logged in. On these screenshots, yeah, it is Roblox $51, Roblox $21, Roblox $54. This is on the joint credit card. Well, he's jobless and his mother is okay. 108 54 54. Oh, liquor.

• 49:00Speaker 03

  Okay, he got in here.

• 49:01Caleb Hammer?

  108. Okay. May I? May I? No deleting.

• 49:07Speaker 03

  He didn't.

• 49:07Speaker 04

  Yeah, he didn't.

• 49:09Caleb Hammer?

  Okay.

• 49:12Caleb Hammer?

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• 49:36Caleb Hammer?

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• 50:05Caleb Hammer?

  That's kind of stupid, I'll be honest, but what's not is actually getting a checking account that gives you free money. Free money. We like free money. You can get up to $200 in bonus cash right now when you sign up for the checking account that I use. Chime. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Odd and get free money at the same time. Who would have thought? That's incredible. Check it out. Link in the description below. Who is?

• 50:36Speaker 04

  Uh, a friend.

• 50:37Caleb Hammer?

  She sent this morning. Goon.

• 50:39Speaker 03

  What's goon?

• 50:42Speaker 04

  She's talking about someone.

• 50:44Speaker 03

  That's crazy. I hope they find him. I still don't understand. She sent a picture or she's telling him he's a

• 50:52Caleb Hammer?

  They're talking about other people so far.

• 50:54Speaker 04

  And if you want to see the server that I'm always active, I'll show you which one of us. It's most of the other ones. I don't even type in.

• 51:01Caleb Hammer?

  This is so weird. This was yesterday. He's talking to this other women more than you.

• 51:06Speaker 03

  Yeah, I figured.

• 51:07Caleb Hammer?

  How does that feel?

• 51:09Speaker 03

  Like shit.

• 51:10Caleb Hammer?

  And? What are you gonna do about it? Like, what the? I, I, I.

• 51:15Speaker 03

  You can probably go to my mom's for a bit. I don't know. Because that's another reason I switched clinics. I could live closer to her.

• 51:26Caleb Hammer?

  Mostly just talking about other people so far. Listen, the Snapchat one was very flirty so far. This is not. It is very active.

• 51:37Caleb Hammer?

  Oh my gosh, the amount of people in here.

• 51:41Caleb Hammer?

  What are your Discord friends gonna think of you being on this show?

• 51:46Speaker 03

  They probably don't know.

• 51:46Speaker 04

  Yeah, then don't talk to them.

• 51:49Speaker 03

  I still don't understand what you do on Roblox. He says, I listen to music.

• 51:53Speaker 04

  I do. There is, there is some like clubs that you could go into and like just listen to EDM or like techno music.

• 52:02Caleb Hammer?

  And then you got this. Why can't you talk to guys?

• 52:05Speaker 04

  There is, there is guys. That's what I'm saying.

• 52:06Caleb Hammer?

  All your DMs are with women.

• 52:08Speaker 04

  Those are the ones that started all the time.

• 52:11Caleb Hammer?

  It's, it's odd.

• 52:13Speaker 04

  Jams is the, the server that

• 52:17Speaker 04

  that I'm active on. The other ones I just have just because I got invited and whatever.

• 52:33Caleb Hammer?

  She says, snap me. It's like, what are we doing here? Oh, I think I'm a good girl. Do you think I am? Well, we have to find out, he says.

• 52:48Caleb Hammer?

  Wait, wait, wait. Keep that to yourself what I said, Lon wanna be, I wanna be spread, she said. He said, shh. She sent like soap's covered emoji. He said, make me hush. She said, I need to, I will. He said, do it, I'm still waiting. She said, you are distracting me right now, O M F G. He said, ha, ha, ha, from? She said, psychology, I need to lock in, but you're distracting me. Holy F, I mean, holy F, man. He said, oop, that's a good reason. Actually, I'll let you pay attention so you can be a good girl. She said, studying makes me more horny. It's annoying. He said, uh, looky emoji, looky emoji, I can help you study shit. Ha, ha, ha, ha.

• 53:34Caleb Hammer?

  She said, oh, you can? Soap emoji, eye emoji. He said, perhaps. Look emoji, soap emoji, eye emoji. I only help good girls that obey, he said.

• 53:48Speaker 03

  What the fuck?

• 53:49Caleb Hammer?

  She said, oh, I think I'm a good girl. Do you think I am? He said, we have to find out. And that's where we said, we eventually fast forward and said, snap, snap, like Snapchat.

• 54:05Speaker 03

  Uh huh.

• 54:07Caleb Hammer?

  Oh my, okay, okay, okay, okay, okay, okay. Oh my gosh.

• 54:13Caleb Hammer?

  Oh my gosh, oh my gosh. Oh my gosh. He says, you ain't gonna do nothing. If I make you hush, you wouldn't be able to talk anymore. Mouth would be full.

• 54:29Caleb Hammer?

  She says, oh, would it now? You would, he says, you wouldn't wanna find out now. You are a good girl, so hush. So do you want me to hush? He sent like a gift that was like, come get on my knee. And she said, you want me to sit on your lap? He said, want you to come sit here and behave. Oh, by the way, this was two days ago. Wait, wait, what's the date?

• 54:53Speaker 03

  The third.

• 54:54Caleb Hammer?

  This was four days ago. What was happening four days ago?

• 54:58Speaker 03

  Uh, was that?

• 54:59Caleb Hammer?

  Monday.

• 54:59Speaker 03

  Tues- Monday?

• 55:01Caleb Hammer?

  Tuesday. Tuesday, you're right.

• 55:03Speaker 03

  I was working and his mom had our child.

• 55:06Caleb Hammer?

  This was at 3:25 a.m.

• 55:08Speaker 03

  Uh, he was on the game.

• 55:10Caleb Hammer?

  You guys were asleep.

• 55:11Speaker 03

  I was asleep with our daughter.

• 55:12Caleb Hammer?

  So you thought he was on the game?

• 55:13Speaker 03

  I thought he was on the game.

• 55:14Caleb Hammer?

  She said, "Sit where? On your lap? I don't want to behave, though." He said, "Yeah, my lap. You are no brat. You are a good girl. So behave and listen to me." And then sent this photo to her of him sticking his hand into an anime woman's mouth, saying, "Good girl."

• 55:36Caleb Hammer?

  Dude, I am sorry.

• 55:40Caleb Hammer?

  Just what do you have to say?

• 55:44Speaker 04

  What?

• 55:45Caleb Hammer?

  You're in it now, buddy. Uh, no, like, you're in it now.

• 55:49Speaker 03

  I keep asking him, though, okay, so when we had a big fight, we had a really, really big fight. I stayed at a hotel one night with our daughter and he was upset, which I can get, and I, it was because of the charges. And he said, "Are you cheating on me?" I said, "No," I showed him the whole room, but ever since he said that, I'm like, "Why would you ask me that?" So I've asked him multiple, multiple times. And he said, "No," and I'm saying, "Who are you texting on Discord?" So he's just been lying to my face for two, three months now? Maybe? Because why would you think I was? First of all, I'm not gonna bring our daughter in front of any other man. One, if I wanted to do that, but I don't. Two, I don't want to. Three, I'm not even thinking about that.

• 56:26Caleb Hammer?

  This girl sent him his Snapchat.

• 56:33Caleb Hammer?

  Any response, man?

• 56:36Speaker 04

  No.

• 56:37Caleb Hammer?

  Would you tell the truth if I asked questions?

• 56:41Speaker 04

  Yeah.

• 56:43Speaker 04

  We're here.

• 56:45Caleb Hammer?

  And you'd believe, you'd actually ask questions? You'd actually answer?

• 56:49Speaker 04

  Something, yeah, I don't know what you're gonna ask, but yeah, I'll answer.

• 56:53Caleb Hammer?

  You receive nudes from women?

• 56:54Speaker 04

  No. I don't.

• 56:56Caleb Hammer?

  And I was getting lots of images from these women specifically on Snapchat that I can no longer see.

• 57:01Speaker 04

  Yeah, no.

• 57:04Caleb Hammer?

  Do you send nudes to women? Have you ever done any of that in your six-year relationship? Have you ever had sex with another woman?

• 57:13Speaker 03

  No.

• 57:13Caleb Hammer?

  That one, I believe, I don't think you'd get there. Log into this.

• 57:17Speaker 03

  The, you have only?

• 57:19Caleb Hammer?

  Oh, he sure does.

• 57:20Speaker 04

  I don't know, let me see.

• 57:21Caleb Hammer?

  You need your Face ID.

• 57:23Speaker 04

  Do I even have this?

• 57:24Caleb Hammer?

  Yes. As you need your Face ID. It has it auto-saved.

• 57:30Speaker 03

  It says wrong password or?

• 57:32Speaker 04

  I don't have OnlyFans.

• 57:34Caleb Hammer?

  So what were these 18-plus charges?

• 57:36Speaker 04

  Actually,

• 57:38Speaker 04

  I do have OnlyFans. And it was when me and her made it like a, like a joke for like-

• 57:45Speaker 07

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

• 58:14Speaker 04

  Feet finder and stuff.

• 58:15Speaker 03

  Feet finder, yeah, maybe, but that was a long time ago.

• 58:17Speaker 04

  Yeah, it was a long time.

• 58:18Speaker 03

  That was like three years ago, though.

• 58:20Speaker 04

  But no, I don't, I don't have a, it's not password or any, I don't, I don't even know it.

• 58:24Caleb Hammer?

  There is nothing wrong with being a gooner, but it has to be a consensual gooner. Okay?

• 58:31Caleb Hammer?

  That is not a bad thing to be a gooner, but you have to be a consensual gooner, man. I don't understand. And she did not consent to this, correct?

• 58:44Speaker 03

  Correct.

• 58:45Caleb Hammer?

  Does it not fear you and make you feel bad that she is ready to literally leave?

• 58:52Caleb Hammer?

  She is literally ready to leave.

• 58:55Speaker 03

  I don't think he cares.

• 58:56Caleb Hammer?

  Do you not?

• 58:57Speaker 03

  I think he cares about our daughter.

• 58:58Caleb Hammer?

  Cause you're doing all this to these women, with these women.

• 59:01Speaker 03

  About me, like, I think he cares about me as a person. I don't think he cares about me as a wife anymore.

• 59:08Caleb Hammer?

  Would you, would you even admit that if that was true?

• 59:11Speaker 03

  And I know he cares about our daughter, but I think he respects me as the mother of his daughter, but I don't think he wants to be with me.

• 59:21Caleb Hammer?

  Okay, man, I'll let you have it back. So, is that what you were afraid of her finding in Discord? And that I barely, I barely dug deep.

• 59:32Speaker 04

  Yeah and no. Yes and no, cuz I gave her, I handed her my phone all the time when she asked.

• 59:38Caleb Hammer?

  She can't navigate it.

• 59:39Speaker 03

  He knows that. And the one time I did, no, no, the one time I did get it, there was a picture of someone in panties. There was. And I asked him about it. He's like, I don't even know what that was. It's spam.

• 59:50Speaker 04

  Wait, okay.

• 59:51Speaker 03

  That's what he told me.

• 59:51Speaker 04

  Obviously, you know Discord, right? So whenever you get a, some friend sends you a, you know, invite to a Discord, you join in, that's the first thing that pops up?

• 1:00:03Speaker 03

  I don't know.

• 1:00:03Caleb Hammer?

  Panties?

• 1:00:04Speaker 04

  Yeah, it was a weird Discord. I don't even know what.

• 1:00:07Speaker 03

  It was just a butt in panties. It was a woman's butt, I think.

• 1:00:12Speaker 04

  Like the, whatever logo thing they have on there?

• 1:00:17Speaker 03

  And I didn't think anything of it because he's never, he's never given me a reason to think he would cheat. And now he has, but.

• 1:00:24Caleb Hammer?

  Well, I would say now he has, uh, in every way whatsoever. Also, deleting chat logs.

• 1:00:31Speaker 03

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

• 1:00:32Caleb Hammer?

  Delete, no, no, no. Before sitting down in this chair, deleting chat logs, disappear things on Snapchat with multiple women within, while you were in the green room, he was receiving pictures, literally talking about making a girl hush and being domineering, which, I mean, I appreciate the kink, nothing wrong with that. Again, has to be allowed and discussed with rules and guidelines. And if it's not, then it's a no-go. Deleting apps, all the shit before coming on this show.

• 1:01:04Caleb Hammer?

  I've never seen a bigger red flag in my life.

• 1:01:08Caleb Hammer?

  I've filmed lots of these, talked to lots of people, lots of red

• 1:01:11Speaker 07

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

• 1:01:41Caleb Hammer?

  Flags, biggest one I've ever seen.

• 1:01:43Speaker 03

  Yeah.

• 1:01:44Caleb Hammer?

  All while he literally just sits on his butt all day and plays video games.

• 1:01:48Caleb Hammer?

  You apply to jobs all day?

• 1:01:49Speaker 03

  That's what he told me.

• 1:01:50Caleb Hammer?

  On what?

• 1:01:51Speaker 03

  On Indeed.

• 1:01:51Speaker 04

  Indeed and

• 1:01:53Speaker 03

  I applied to jobs on Indeed too.

• 1:01:55Caleb Hammer?

  So you'll show me your Indeed right now?

• 1:01:57Speaker 03

  Because I didn't believe him? Okay, listen, listen, listen.

• 1:02:00Caleb Hammer?

  You don't have Indeed on your phone?

• 1:02:01Speaker 03

  Yes, he does.

• 1:02:02Caleb Hammer?

  Go ahead and log into it, download it.

• 1:02:04Speaker 03

  I got on Indeed myself because I was like, I was wanting to look at the jobs around us and I applied just for fun.

• 1:02:11Caleb Hammer?

  No?

• 1:02:11Speaker 04

  No.

• 1:02:12Caleb Hammer?

  Cause you're not applying to jobs all day.

• 1:02:14Speaker 04

  I am.

• 1:02:14Caleb Hammer?

  What, you would be able to show me?

• 1:02:16Speaker 04

  I have, I have gone phone interviews. A bunch of Doms.

• 1:02:24Caleb Hammer?

  What?

• 1:02:25Speaker 04

  Yeah.

• 1:02:26Caleb Hammer?

  What was that response? I would be able to see your applications. You say you're applying all day, every day.

• 1:02:31Speaker 04

  Yeah.

• 1:02:31Speaker 03

  Then show them.

• 1:02:32Caleb Hammer?

  Show me.

• 1:02:34Speaker 04

  I'm not, I'm not gonna show that.

• 1:02:36Caleb Hammer?

  No.

• 1:02:37Speaker 04

  No.

• 1:02:38Caleb Hammer?

  And that's how in any world even comparable to Discord. I would actually have relatively, I was not going to push back on the Discord thing too much because yes, chats, whatever, that is private. This is literally just you applying to jobs. I don't understand why you would not show that.

• 1:02:55Caleb Hammer?

  Discord, I was going to let go. Luckily you went along with it.

• 1:03:03Caleb Hammer?

  Bad move on his part. This, I don't understand. What is the logic behind me not being able to see your job applications?

• 1:03:10Speaker 04

  Just don't want to show them.

• 1:03:11Caleb Hammer?

  Because?

• 1:03:12Speaker 04

  Because I just don't want to show them.

• 1:03:14Speaker 06

  Well, I hate to say it, your dad's a loser. Okay, so let's get out.

• 1:03:21Speaker 03

  Okay, anyways, I was applying on Dendi. Not, I love my job, but just to see what is in the area and see how hard it would be to get a job. I had two interviews and not things I would want.

• 1:03:30Caleb Hammer?

  Dude, these are just, I appreciate that, but just like, these are just pages of Whataburger, Wingstop, DoorDash, and endless Roblox. You spend minimum 500, 200, 300, 400 bucks on Roblox here, which is a fourth of, uh, well, not, not, maybe a fourth of the income that came in for the household.

• 1:03:51Caleb Hammer?

  So, um, and then the continued messages on the way here was he keeps saying he's going to the club tonight.

• 1:04:00Speaker 03

  He keeps telling me he's going. He said he's going.

• 1:04:02Caleb Hammer?

  What club? What's the club?

• 1:04:03Speaker 03

  I don't know.

• 1:04:04Caleb Hammer?

  The strip club?

• 1:04:05Speaker 04

  Bars.

• 1:04:06Caleb Hammer?

  The club? The strip club?

• 1:04:07Speaker 04

  Yeah, no.

• 1:04:09Caleb Hammer?

  No?

• 1:04:09Speaker 04

  No.

• 1:04:09Caleb Hammer?

  What's wrong with the strip club? I love going to the strip club. Titties, am I right? Titties are great.

• 1:04:14Speaker 04

  I don't.

• 1:04:14Caleb Hammer?

  If I got, get consent from my girlfriend.

• 1:04:17Speaker 04

  I don't go to that.

• 1:04:18Caleb Hammer?

  Really? You said club.

• 1:04:20Speaker 04

  Yeah.

• 1:04:20Caleb Hammer?

  What, what club? Austin's not like a huge club town.

• 1:04:23Speaker 04

  Music clubs? Have you not heard those?

• 1:04:27Speaker 04

  There's like music clubs, EDM clubs, I don't know. What do they call it over here?

• 1:04:32Caleb Hammer?

  I mean, Brandon, you're more in that life. That's not a big thing in Austin. Clubs? Now, there's a shit ton of bars, but.

• 1:04:39Speaker 04

  Yeah.

• 1:04:40Caleb Hammer?

  To the like, club? It's like, that's not like, okay. He was gonna go to the titty bar.

• 1:04:48Caleb Hammer?

  Tonight or tomorrow? I said, well, I don't want to because her daughter, he said, well, you parents are coming. They can just watch her. I've never slept a night away from her and not ready yet. Plus, she's still nurses to sleep. He keeps telling me she'll be fine. I said, but I won't. I'll be stressed. A.

• 1:05:09Caleb Hammer?

  That's where it ended with the A.

• 1:05:15Caleb Hammer?

  She also texted saying, "Make sure you guys get your Hammer Financial Score at CalebHammer.com."

• 1:05:24Caleb Hammer?

  And that is free and that you can be on the show at CalebHammer.com/apply and that you can download the Dollar Wise Budgeting app, which is not what these two obviously need, even though I will get into the finances and that is not the issue.

• 1:05:43Caleb Hammer?

  And, yeah, download the Dollar Wise Budgeting app, like tens of thousands of other monthly active users are doing and changing their lives. You need a lot more to do that, not cheating. And, God, there's nothing wrong with it if you get permission. I need to be clear on that. But you don't have that, correct? He does not have that permission. I want to actually confirm. Okay. Get your free trial. See if you like it. If you do, most people take the annual version because there's a big discount. And you get my signed 30-day budget meal plan. It's a detailed, every meal, every snack, every drink of every day. So you can meal prep on a cheaper budget and all that stuff. I usually sign it with a Sharpie. I don't have one here, so signing yours. You can remember this for how much you hate

• 1:06:23Caleb Hammer?

  me. Please don't come mass shoot me after this. Because here is honestly the first piece of advice. I am going to say this. And by the way, in the green room alone, he was pulling Mark aside, asking recommendations for clubs. And your mom pulled Colton aside separately to privately tell him that he was trying to ask Mark for club recommendations. Your mom had to say, "Your parents don't like him."

• 1:06:51Speaker 03

  They did like him. They said, "Ever since we had a child, he 360'd on me." They did.

• 1:06:56Caleb Hammer?

  360?

• 1:06:57Speaker 03

  Well, like, you know, it took 180. His personality, he was not...

• 1:07:00Caleb Hammer?

  That makes more sense.

• 1:07:01Speaker 03

  Yeah. He was, he was a different man before her. And I get, it was a lot. It's a big change. And like, I just drifted my life and I'm so happy I had her, but I wasn't expecting to not have support.

• 1:07:13Caleb Hammer?

  Well, his entire plan in life, now that he's not applying for jobs and can't prove that he is, is to become a DJ.

• 1:07:18Speaker 03

  He said he wanted to be a DJ.

• 1:07:19Caleb Hammer?

  Walk me through that career journey from here.

• 1:07:20Speaker 04

  Did not want to be a DJ?

• 1:07:22Speaker 03

  You told me he wanted to be a DJ.

• 1:07:23Speaker 04

  It's like a side thing.

• 1:07:24Caleb Hammer?

  You've spent money on this.

• 1:07:26Speaker 04

  It's a side thing.

• 1:07:27Caleb Hammer?

  She brings in $2,000 a month less than for the entire house. You've spent money on it.

• 1:07:31Speaker 04

  Spent money on it?

• 1:07:32Speaker 03

  I don't know. You spent money on it?

• 1:07:33Caleb Hammer?

  We are bringing her mother into the post-show, by the way, and she's going to be fully honest. But here's the thing. The dude's talking about moving to another country to start over.

• 1:07:42Speaker 03

  Yeah, he has told me that.

• 1:07:43Caleb Hammer?

  He wants to be a DJ.

• 1:07:46Caleb Hammer?

  You say you don't even want to be at home anymore. You just go to your mom's after work to avoid him. You said he feels like he hates you. Everything we just learned today, even his own mother has told you that the only way for him to learn is for you to leave. So before I give any advice on this, unfortunately, for the first time in financial order history, this has never happened before.

• 1:08:12Caleb Hammer?

  I'm fully advocating to leave him.

• 1:08:15Speaker 03

  My mom told me we could move in with her. I want, I don't, I don't want to.

• 1:08:19Caleb Hammer?

  No, no, no, no, no, no, no, pause. I, I, I. Maybe not divorce, maybe things will happen, maybe couples therapy. I am advocating though to move out and take the kid away from him. I am sorry, I'm ruining your life right now because I mean this 100% genuinely. She should leave you.

• 1:08:40Caleb Hammer?

  And I've never advocated for that in this before.

• 1:08:45Caleb Hammer?

  Have you ever considered therapy?

• 1:08:47Speaker 03

  I asked him and he has, he had told me, no, no, no, no, no, no, no. And then he said, well, he said, it's too expensive. And then I said, we could do it through church. He said, I don't want church people to know my business. And then he said, and then I told him, if you care that you'll set it up and he hasn't set it up.

• 1:09:01Caleb Hammer?

  I'm sorry.

• 1:09:04Caleb Hammer?

  I'm sorry.

• 1:09:07Caleb Hammer?

  I'm, I'm so sorry that you are going through this and you did not ask for this.

• 1:09:12Speaker 03

  Sorry.

• 1:09:13Caleb Hammer?

  It's okay. I'm sorry. You should leave him.

• 1:09:19Caleb Hammer?

  It's bold of me to say that after an hour and seven minutes of talking to you guys.

• 1:09:24Caleb Hammer?

  And I genuinely, I know, like, people are probably like, oh, Caleb, I have sympathy for him. I mean, I, I am destroying your life. I know this in this moment and I've exposed you and put you on blast. And like, I feel bad for that. But I'm not, also not sorry because it is best for her and probably for your own kid that she is not with you. You don't apply for jobs every day. You play video games all day. You spend money you don't have. You have, your goals of being a DJ are moving to another country make no sense and would honestly pull her from her entire support system.

• 1:09:57Speaker 03

  That's what I'm saying.

• 1:09:58Speaker 04

  I don't want to be a DJ.

• 1:10:00Caleb Hammer?

  But you are.

• 1:10:01Speaker 04

  This is something like a side thing.

• 1:10:03Caleb Hammer?

  Okay, how about the bigger thing? You're cheating on her.

• 1:10:07Speaker 03

  You basically are.

• 1:10:08Caleb Hammer?

  Yeah, no defense there.

• 1:10:09Speaker 04

  I'm not.

• 1:10:09Caleb Hammer?

  The DJ, though, unacceptable.

• 1:10:11Speaker 03

  I mean, he told me that, but, but the, the thing I told him is if we moved to another country, I wouldn't have any support. I barely have some now, and so I can't.

• 1:10:20Caleb Hammer?

  I, I, I mean, I'm being told that you applied to be on the show begging for help and you literally want a budget to be a single mother.

• 1:10:26Speaker 03

  Yeah, if it's.

• 1:10:28Caleb Hammer?

  And I think it's coming to that. Listen, here's the thing, and this is where I will slightly leave you on your side, man, because, one, I'm afraid of you killing me afterwards.

• 1:10:36Speaker 03

  He's not gonna kill you.

• 1:10:38Caleb Hammer?

  Well, I know, getting out of your chair is difficult for you, but the thing is.

• 1:10:42Speaker 04

  We're talking.

• 1:10:43Caleb Hammer?

  Huh? But we are not on the same level. Don't even try that. That shit's hanging over your chair. Regardless, the thing is, I think she should leave you now. I'm not advocating for a divorce now. I'm asking for space and separation, and I'm suggesting, go to therapy, local resources, church or not, I do not care about that part. Try to find local resources because I know you can't afford it. Apply for jobs, get your shit together, disconnect from the Discord, get some help on maybe some potential sex therapy as well, maybe sex groups, because you might be a true gooner in like an uncontrollable

• 1:11:22Caleb Hammer?

  way, not a joke. Seek help in those areas. Get yourself together as a man, as a father, as a husband. Work on yourself for a few months, show some actual genuine progress while being open with her and hiding nothing. And then, let's try this again from a fresh start, but also through counseling and couples therapy. So I'm not advocating for a complete separation and destruction of everything. I want you to be in your kid's life. I want you to guys be in each other's lives and find that spark again. But I am fully advocating for, when you get home, you do not live at that home, including with your child.

• 1:12:05Caleb Hammer?

  I'm also advocating for you to take that time to not game.

• 1:12:10Speaker 03

  He's not gonna do that?

• 1:12:11Caleb Hammer?

  No, no, no, I'm not saying, I'm not saying, um, you can't have any game. What I'm specifically saying is that time is not for gaming, though. That time is to actually man up and grow up and deal with your shit. Okay, you are the problem right now.

• 1:12:28Caleb Hammer?

  That is done. That's already happened.

• 1:12:32Caleb Hammer?

  Now we move on. We move on. It's okay, accept it, accept the L. The L's happened, right? Okay? Whatever. Water under the bridge from here. Tell the girls you can't anymore. And get help and man up. The marriage doesn't have to be done, but we do need space. She needs help and you are not giving her that help. And I am so sorry. I want to give you the biggest hug in the world right now. Except I hate touching people I don't know.

• 1:13:05Caleb Hammer?

  But I am so sorry.

• 1:13:08Caleb Hammer?

  Stop bleeding out money making minimum payments across multiple high interest accounts. Most Americans are spending hundreds, sometimes thousands of dollars that could be going toward actually paying down debt instead of lining some banks pockets. And look, if you're sitting on high interest credit card debt, a car loan at 18% or, oh my goodness, a payday loan charging you triple digit interest rates. You need to hear this. If you've already cut up the cards and built better financial habits, but you're still drowning in interest payments, barely making progress. This is for you. I have opened my very own marketplace, a personal loan marketplace that lets you get personalized offers from multiple lenders in one place.

• 1:13:52Caleb Hammer?

  You can see if you pre-qualify in minutes and it won't impact your credit score. But here's the deal. This isn't a magic bullet. If you refinance your debt, but keep swiping, you're just making the problem worse. You still need to fix the behavior that screwed you in the first place. But if you're serious about getting out of debt faster, you could potentially lower your monthly payment by securing a single payment at a much Better rate. Check out the link in the description below to see your personalized offers or go to Caleb Hammer.com and remember you still gotta do the work. Starbucks is bull and a waste of money and you already know that by making your coffee at home and investing the rest. So now you need to do that with your energy drink as well.

• 1:14:34Caleb Hammer?

  Make gamer subs at home for just 40 cents a serving. Honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show, Fat and Fatter. The number one ranked energy drink is gamer subs. Literally, the cherry flavor is insane. Listen, you can also get free samples to see if you like it or 10% off your order at gamersubs.gg or click that link in the description below, type in code Caleb. Okay. Do you commit to that?

• 1:15:07Speaker 03

  Do you want this marriage or not?

• 1:15:10Caleb Hammer?

  Do you commit to what I advocated for? Yeah.

• 1:15:13Speaker 03

  That you will do that. I don't believe him.

• 1:15:14Caleb Hammer?

  Okay, pause, pause. I don't necessarily, but we don't need to say that right now. Let's try to be relatively relative. Let's, instead of shutting down immediately.

• 1:15:28Speaker 03

  That's what he does, but okay.

• 1:15:30Caleb Hammer?

  I agree. Maybe. This is the water under the bridge moment. I know there's a lot of baggage here. But instead of like, he, he committed. Now it's up to him to follow through that. So let's not just kill it out of the gate.

• 1:15:42Speaker 03

  Okay.

• 1:15:42Caleb Hammer?

  You're right. History suggests something, but that doesn't matter. Right now, you committed to it, right? Okay. So now it is one of two things. He does it or you divorce and he is gone. That is the ultimatum red line we have to draw. Don't shut him down onto the gate. Let him work on this now. Don't disencourage him. Give him encouragement and love and space. And if he doesn't do it, then it's done. This is your time. This might be the last chance. And I want to be there as a man to support you in this moment now. Okay? Because this shit has been thrown towards you and rightfully so, I am not apologizing for that.

• 1:16:25Caleb Hammer?

  But again, accept the L. Let's move on and try to become a better person. This isn't Twitter. This isn't TikTok or Reddit where you're canceled for the rest of your life. That shit. Life is confusing, complicated, weird, and you made mistakes.

• 1:16:39Caleb Hammer?

  If that's actually behind you and you're willing to improve as a human and a man and a father and a husband, we can cheer you on. But you have that choice to make and if you don't do it, you're done.

• 1:16:53Caleb Hammer?

  Do you accept that?

• 1:16:54Speaker 04

  Yeah.

• 1:16:55Caleb Hammer?

  Do you agree with that?

• 1:16:56Speaker 04

  Sure.

• 1:16:57Caleb Hammer?

  Are there flaws there?

• 1:17:00Speaker 04

  No flaws. I'll do it.

• 1:17:03Caleb Hammer?

  And how much do you hate me right now?

• 1:17:06Speaker 04

  I'll say about 100%.

• 1:17:07Caleb Hammer?

  Okay, now is it my fault?

• 1:17:09Speaker 04

  No.

• 1:17:10Caleb Hammer?

  Exactly.

• 1:17:13Caleb Hammer?

  You can hate me because it's happening on the show. I get it. But I didn't do any of this. You just actually got just found. You got found out. That's it. That's all that's happened. I didn't do anything here. That wasn't already happening. Can we agree with on that?

• 1:17:30Speaker 04

  Yeah.

• 1:17:31Caleb Hammer?

  Okay, thank you. There is an adorable baby on the other side of that studio.

• 1:17:36Speaker 03

  Oh, I thought you saw her.

• 1:17:37Caleb Hammer?

  No, on the other side of our office. If not for her, at least your kid. This is your kid.

• 1:17:43Speaker 04

  Yeah.

• 1:17:49Caleb Hammer?

  So these that I'm looking at today. Are these both of you or just you?

• 1:17:53Speaker 03

  Capital one would be me.

• 1:17:56Caleb Hammer?

  Okay, so Quicksilver, capital one.

• 1:17:57Speaker 03

  That's mine.

• 1:17:58Caleb Hammer?

  Okay, you have a 600.

• 1:17:59Speaker 03

  Yeah.

• 1:18:03Caleb Hammer?

  Okay?

• 1:18:04Speaker 04

  Yeah.

• 1:18:06Caleb Hammer?

  It would be reasonable for you not to be.

• 1:18:11Caleb Hammer?

  And also your health too. For the sake of your kid, sex, life, everything, you gotta get your health in check. And to be clear, it is normal for couples to, you know, have little bickers or things to build. I mean, that's normal. I mean, you guys have been together much longer than me and my girlfriend. We've been together a year and a few months and we'll have a spat every couple of weeks. But it's every couple of weeks. Every week or worse. Daily? That's where we, I think a little space and a little bit of counseling is good. Regardless of everything else that happened, right?

• 1:18:42Speaker 03

  Uh huh.

• 1:18:43Caleb Hammer?

  Oh, you didn't send in any documents? Okay.

• 1:18:45Speaker 03

  Well, some of this is joint accounts and stuff, but this, the Quicksilver is mine.

• 1:18:50Caleb Hammer?

  Okay, so this is the big thing. If you are going to be on your own, and I'm glad you have the support system of your parents, credit cards are a no go right now. You cannot support the risk. The fact is, you're spending money on a card that you are not fully paying off that is accruing interest, and that cannot be a thing. This takes three years to pay off. That is too much risk over the head of, of a single mother. If we're pretending you're a single mother. I hope he gets the shit together over the next three months and then we can reconcile and we can, woo, the rest of life together. I hope so. Worst comes worst, this will destroy you and your child.

• 1:19:24Caleb Hammer?

  IHOP, Apple, Whataburger, Apple, Chick-fil-A, bullshit, potential bullshit, My Sweet Addiction, Apple, Walmart, well, that might be okay. And The Great American Cookies, it's on bullshit. You're bringing down your life and preventing you from any potential escape.

• 1:19:41Speaker 03

  Yeah.

• 1:19:41Caleb Hammer?

  Because of bullshit. It's bullshit spending.

• 1:19:44Speaker 03

  Wait, what was?

• 1:19:44Caleb Hammer?

  And I'm sure there's lots of cope on there.

• 1:19:46Speaker 03

  Great American Cookie was her birthday cake, I think.

• 1:19:48Caleb Hammer?

  I don't give a [bleep]. She is 13 months, 14 months, whatever. It doesn't matter. She doesn't know what's happening.

• 1:19:54Speaker 03

  She kinda does.

• 1:19:55Caleb Hammer?

  She does not know what is happening. She will have no memory before three.

• 1:19:59Speaker 03

  No, no, the years that matter most, one to three is what matters most to me or whatever.

• 1:20:03Caleb Hammer?

  For imprinting, but not memory. She won't remember a cake.

• 1:20:07Speaker 03

  Yeah, probably not.

• 1:20:08Caleb Hammer?

  For actual human behavior, i.e. slapping her, yeah, that would actually have an impact.

• 1:20:14Caleb Hammer?

  I'm hoping that was a joke.

• 1:20:15Speaker 03

  I think it was a joke.

• 1:20:17Speaker 04

  It was a joke.

• 1:20:17Caleb Hammer?

  Okay. We'll have to clarify. Cause interest is accruing, this is risk, and it's all on bullshit.

• 1:20:23Speaker 03

  Yeah.

• 1:20:23Caleb Hammer?

  If it wasn't on bullshit and it was necessities, we could have a different conversation. But you are literally preventing yourself from that escape mechanism if anything bad were to happen. Being told out there, your kid really loves the dogs.

• 1:20:36Speaker 03

  She does, yeah.

• 1:20:38Caleb Hammer?

  That's good. I'm glad she's having a little bit of joy. Cause right now, we ain't.

• 1:20:42Speaker 07

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• 1:21:11Caleb Hammer?

  My right guy?

• 1:21:16Caleb Hammer?

  Okay, Capital One Venture Card.

• 1:21:18Speaker 03

  It's in my name, but I gave it to him as a card to use, but he lost it. So now he doesn't have it.

• 1:21:23Caleb Hammer?

  Can you do anything in your life?

• 1:21:25Speaker 03

  So is it?

• 1:21:26Caleb Hammer?

  I didn't lose it. She lost it.

• 1:21:27Speaker 03

  I didn't. He had it. He had the card. I didn't lose it. I closed. Well, not closed, but it's locked.

• 1:21:32Caleb Hammer?

  She loses everything. Okay, regardless, it has a balance, guys. It has a balance and it does have spending. Cash advance spending. So I don't even know what's happening. Oh, whose account is it connected to for payments?

• 1:21:43Speaker 03

  What?

• 1:21:43Caleb Hammer?

  Whose account is it connected to for payments?

• 1:21:46Speaker 03

  The, which one?

• 1:21:48Caleb Hammer?

  This credit card.

• 1:21:49Speaker 03

  I mean.

• 1:21:49Caleb Hammer?

  What account pays it? If an auto pay happens, what account?

• 1:21:52Speaker 03

  Me.

• 1:21:53Caleb Hammer?

  Okay, you didn't have enough money in your checking account. So it got returned. So you got fees. So you got.

• 1:21:58Speaker 03

  Yeah.

• 1:21:58Caleb Hammer?

  This is risk you could not have in this position as a potential single mother.

• 1:22:07Caleb Hammer?

  I'm gonna ask, and I don't know if I'll get a truthful answer regardless. Has there ever been any violence in this relationship?

• 1:22:12Speaker 03

  No.

• 1:22:12Caleb Hammer?

  Okay, if there ever is or ever was, I want you to reach out to us in private. We will never let them know. I'm not suggesting that, but I don't think a real answer would be given. I'm not suggesting it though, but if it ever does happen, reach out to authorities and we can also help from behind the scenes. Okay? Not suggesting this happen, but since this is so weird and I don't think we would can say it regardless. Just want to say it, not alleging, to be clear. Okay? Not alleging. Same goes the other way, except you just got like 500 pounds on her. So I don't know.

• 1:22:47Caleb Hammer?

  You, okay.

• 1:22:50Caleb Hammer?

  Paying for something. What are you doing?

• 1:22:52Speaker 03

  Oh, those are pajamas. Yeah, that's me.

• 1:22:53Caleb Hammer?

  It's what?

• 1:22:54Speaker 03

  Pajamas.

• 1:22:55Caleb Hammer?

  Okay, on what service, though?

• 1:22:56Speaker 03

  Uh.

• 1:22:57Caleb Hammer?

  What is this, a firm, Klarna?

• 1:22:58Speaker 03

  Affirm, affirm. For Christmas time.

• 1:23:03Caleb Hammer?

  Christmas time, winter time, summertime.

• 1:23:06Speaker 03

  I love the pajamas.

• 1:23:10Caleb Hammer?

  I must wish for her sake you were black.

• 1:23:13Speaker 03

  Why?

• 1:23:14Caleb Hammer?

  He would have left on his own.

• 1:23:20Caleb Hammer?

  We like jokes here, ladies and gentlemen.

• 1:23:23Speaker 03

  He's Mexican?

• 1:23:24Caleb Hammer?

  We know that.

• 1:23:28Speaker 03

  I have a thing for Mexicans.

• 1:23:31Caleb Hammer?

  Okay, did you learn your lesson?

• 1:23:34Speaker 03

  Well, I wouldn't only go for white guys, so I thought if I went for a Mexican, I would have a better outcome.

• 1:23:41Speaker 03

  I know, y'all are all the same.

• 1:23:43Caleb Hammer?

  Whoa, hold on. Whoa, I'm on your side. What is happening here? Okay, you owe $130.56 on this with an $18.71 minimum payment. So, yeah, 12 payments, you are getting, you are getting interest accrued up the butt on this thing. Usually, these are like 35, 36% interest.

• 1:24:04Speaker 03

  I thought it's sorry, like at the beginning, it tells you how much interest at the fir- at the beginning, right?

• 1:24:08Caleb Hammer?

  It hits you out of the gate? Well, yeah, it would, but if you're paying for it, you wouldn't get interest. But you're splitting it across, what, 12 payments?

• 1:24:14Speaker 03

  Yeah.

• 1:24:14Caleb Hammer?

  Yeah, that is interest accruing like crazy. Why did you have to affirm this? Go to Goodwill.

• 1:24:19Speaker 03

  Because I wanted him to be cute.

• 1:24:21Caleb Hammer?

  No, no, no, no. If we're in survival mode, we don't do cute.

• 1:24:25Speaker 03

  Yeah, that's true.

• 1:24:26Caleb Hammer?

  We don't do cute.

• 1:24:27Speaker 03

  But he also was working at the time that I bought them.

• 1:24:31Caleb Hammer?

  Why'd you get fired four times?

• 1:24:33Speaker 04

  Uh, I don't like, uh, like basically.

• 1:24:37Speaker 03

  He doesn't like, he says to me, like, I try really hard in my job because I love to work hard for who I'm working for. And he's like, I'm not gonna, he's like, I'm not gonna kiss anyone's ass, but I won't.

• 1:24:47Caleb Hammer?

  Kiss anyone's ass? You mean, follow instructions from your leaders, from your managers, your bosses?

• 1:24:52Speaker 04

  No, just like kissing ass, like.

• 1:24:53Speaker 03

  Like, I want to go above.

• 1:24:54Caleb Hammer?

  Okay, you don't get fired for not kissing ass, though, specifically.

• 1:24:57Speaker 03

  I want to, and then he's always like, why do you do so much for your job? Like, some of my job requires me to bring a little bit home. And he's just like, ugh.

• 1:25:04Caleb Hammer?

  What is the kiss ass? I got ass kisser's here and I got people that don't kiss ass. I haven't fired the not kiss assers. I've had kiss assers that have been fired here. I don't know. I just, it's literally just if people do the value or not.

• 1:25:16Speaker 04

  And so whenever they tell me something, I tell them, hey, like the, I'll talk to them like, I let them know like.

• 1:25:22Caleb Hammer?

  What? Give me an example.

• 1:25:24Speaker 04

  All right, let's say, uh, there was an instance, uh, they didn't want me to bring a jacket or some shit.

• 1:25:30Speaker 03

  That was the first job.

• 1:25:31Speaker 04

  And it was like winter, so I brought it and I told them, hey, if you want me to wear something I want, you provide it to me.

• 1:25:39Caleb Hammer?

  Okay. Is that the company policy that they would provide it to you?

• 1:25:42Speaker 03

  They said that he needed to.

• 1:25:43Caleb Hammer?

  How did you think that would be a productive conversation in a workplace?

• 1:25:46Speaker 03

  The logo on the shirt. He never got the logo on the shirt.

• 1:25:49Speaker 04

  I didn't see a problem with it because one, it was just me.

• 1:25:52Caleb Hammer?

  Came in with a snarky attitude that is damaging to culture, even if you are probably actually right in the actual, you know, overall concept. Clearly you know you are not a complete idiot. I hope and think and maybe allegedly you're not. You know that would lead to potential termination if not a write-up or something. Come on. Going in with a snarky attitude, being a, no shit.

• 1:26:17Speaker 04

  No, it wasn't even, it was just that instance that happened.

• 1:26:22Caleb Hammer?

  That's what I'm saying. Okay. Next job that you got fired from?

• 1:26:26Speaker 04

  Uh, vitals, like, uh, not putting the right vitals for a patient that was going into surgery.

• 1:26:37Caleb Hammer?

  Yes, fired.

• 1:26:38Speaker 04

  Yeah.

• 1:26:39Caleb Hammer?

  Reasonable. Job three?

• 1:26:40Speaker 03

  No, that was the last.

• 1:26:41Speaker 04

  That was, yeah, that was.

• 1:26:42Caleb Hammer?

  Okay, what about, what about the other one?

• 1:26:44Speaker 04

  I don't remember the other two.

• 1:26:45Speaker 03

  The other one was because he had blood and you had not, you mixed up.

• 1:26:49Speaker 04

  So it's like small mistakes. I remember.

• 1:26:51Speaker 03

  Hold on, well, the gray tube and the blue tube and the gray tube had something in the blue tube and you didn't put the right tubing or something, but multiple times.

• 1:26:57Caleb Hammer?

  Medical.

• 1:26:58Speaker 03

  Yeah.

• 1:26:58Caleb Hammer?

  Blood?

• 1:26:59Speaker 03

  Yeah.

• 1:26:59Caleb Hammer?

  Good. Get fired. Why did they keep putting you in? What was the other one? The third, the final one?

• 1:27:03Speaker 03

  The final one was the chart that he didn't.

• 1:27:06Caleb Hammer?

  No, no, no. The other one. We've, we've, we've talked about three so far. Talking about the coat, talking about the chart, talking about the tubes.

• 1:27:11Speaker 03

  Oh, before we were marrying the bank, I think. The bank. Why'd you get let go from the bank? Uh, I do remember. His drawer wasn't.

• 1:27:19Speaker 04

  Oh, out of balance, sure. For like one penny.

• 1:27:22Caleb Hammer?

  Okay. You have not been fired for any unreasonable reasons.

• 1:27:26Speaker 04

  It's just, it's been for like one penny.

• 1:27:29Caleb Hammer?

  Vitals that, you know, I would like that person to be alive.

• 1:27:33Speaker 04

  It's the same color. It's just different. Ways that it it gets drawn. It's the same color tube. So like, it's really hard to tell which one it was.

• 1:27:46Caleb Hammer?

  But reasonable to be fired for.

• 1:27:49Speaker 04

  Yeah.

• 1:27:49Caleb Hammer?

  And the charts.

• 1:27:51Speaker 03

  That one, that one he knows.

• 1:27:52Speaker 04

  Yeah.

• 1:27:53Caleb Hammer?

  That's spooky. That's scary. And you want to be the one that takes a vacation? You want to be the one that moves overseas? Your life's a vacation. Oh, I know you get nagged to death, but come on, for what it's worth, I am usually kind of anti the women on the nagging, but I don't think it's coming from an unfair place in this.

• 1:28:17Speaker 04

  Yeah.

• 1:28:17Caleb Hammer?

  You might be the first guy in human history getting nagged fairly.

• 1:28:24Speaker 04

  You say so.

• 1:28:26Caleb Hammer?

  Guy. T L L, T L R A.

• 1:28:30Speaker 03

  Uh, that's a medical bill.

• 1:28:32Caleb Hammer?

  Okay.

• 1:28:32Speaker 03

  And I'm just making payments.

• 1:28:34Caleb Hammer?

  Well, I'm gonna cross it off because you have like a payment left and then it's done. So.

• 1:28:38Speaker 03

  Yeah.

• 1:28:38Caleb Hammer?

  Was it for the birth?

• 1:28:39Speaker 03

  No, it was for miscarriage.

• 1:28:41Caleb Hammer?

  Okay, this is from Michael's card, but honestly, I don't give a shit.

• 1:28:45Speaker 03

  Michael's.

• 1:28:47Caleb Hammer?

  Yeah. Uh, he gave information about the card in the green room. He didn't submit anything. Okay, that's the family. Is this you? I'm just doing you. I'm not doing him. Uh, my grandma, teeth, husband's lawyer fee.

• 1:29:00Speaker 03

  Yeah.

• 1:29:02Caleb Hammer?

  Is this your debt?

• 1:29:04Speaker 03

  Yeah.

• 1:29:05Caleb Hammer?

  Okay, okay, grandma teeth, a hundred twenty?

• 1:29:07Speaker 03

  Oh, because I needed to go to the dentist and I need to fix something. And so she.

• 1:29:13Caleb Hammer?

  Are you paying her? Or how does it work?

• 1:29:14Speaker 03

  Yeah, I'm paying. I just, when I have a hundred and twenty dollars or I'm gonna make a payment to her when I get paid, it doesn't matter.

• 1:29:21Caleb Hammer?

  My husband's lawyer fee. Said this was a gift, but I don't feel right about it and would like to pay her off. To who?

• 1:29:28Speaker 03

  My grandma.

• 1:29:29Caleb Hammer?

  Oh, this is all, that's the grandma. Okay.

• 1:29:31Speaker 03

  Yeah.

• 1:29:32Caleb Hammer?

  So how are you paying that?

• 1:29:34Speaker 03

  I haven't started yet because I don't know where to start.

• 1:29:36Caleb Hammer?

  Okay.

• 1:29:39Caleb Hammer?

  And then, "My mother-in-law $1,000 because of Roblox and beer that he spent." You actually owe that, or do you just feel obliged?

• 1:29:47Speaker 04

  Shit is not owed.

• 1:29:48Speaker 03

  I feel like I need-

• 1:29:49Caleb Hammer?

  So you feel obliged to the $5,000 into the-

• 1:29:51Speaker 03

  I feel like I need to-

• 1:29:52Caleb Hammer?

  A hundred, okay. Yeah, well, no, no, no. You need to prioritize you and the kid. I'm crossing off the five and crossing off the one. Okay? Unless they specifically ask for it, you're not paying it. Okay, then don't pay it.

• 1:30:03Caleb Hammer?

  Cause you have here a finance $3,000 something for something, I don't know, at a 12.3% interest rate. Where you're gonna pay $607 in interest.

• 1:30:11Speaker 03

  I was trying to pay the credit card, cause-

• 1:30:13Caleb Hammer?

  Well, you didn't. You just used debt. And then you racked it back up, cause you spent it on bullshit.

• 1:30:17Speaker 03

  Yeah.

• 1:30:17Caleb Hammer?

  If you do not change your behavior, never take a tool to get their shorter. They can be tools, but you're [bleep] yourself, you're hurting yourself.

• 1:30:24Speaker 03

  Yeah, I realize that.

• 1:30:25Caleb Hammer?

  No consolidation, no bankruptcy, none of that, until you fix your behavior, and then you can do it. If any, but I wouldn't even do it now. Okay, listen, and I'll let you use the Mind Card. It used to be called the Fizz Card. It's a debit card that builds credits, connected to your checking account, so you can't spend more that's in there. And it also gets you both course career certifications. You actually have to complete it to get it. But you choose what you want. A lot of people have used those certifications to convert them into six-figure paying jobs in the audience. So you guys can do that too. You get it for free by being on the show. Well done. Use them, get a [bleep] job, and get a better paying job.

• 1:30:55Speaker 03

  Oh, well, I want to save to go back to school. I have one more semester to be a teacher. One more, obviously.

• 1:31:00Caleb Hammer?

  Okay, okay. I like that, that's great.

• 1:31:02Speaker 03

  I don't know how to make that in the budget either.

• 1:31:05Caleb Hammer?

  Well, you might be able to get some student loans.

• 1:31:07Speaker 03

  Maybe.

• 1:31:08Caleb Hammer?

  I mean, I would do that. That would be fine. I'd be okay with that. And if you can live with your parents to help subsidize, I'd be okay with that as well. Your monthly payment is...

• 1:31:18Speaker 03

  I think it's $101.

• 1:31:19Caleb Hammer?

  Is this monthly or two times a month?

• 1:31:21Speaker 03

  Monthly.

• 1:31:22Caleb Hammer?

  Okay, $185.

• 1:31:27Caleb Hammer?

  Now, are we shocked that we did the thumbnails before filming? I am not. Will you even be here for the post-show? Are you gonna walk up and get out before, while we're resetting?

• 1:31:39Speaker 04

  I'll be here.

• 1:31:40Caleb Hammer?

  You'll be here?

• 1:31:40Speaker 04

  Yeah, I'll be here.

• 1:31:41Caleb Hammer?

  I respect that. Okay. I respect that. Not that my respect means anything to you, but I respect it. Okay, uh, Texas Bank, you have... Oh, this is a balance, okay. No, wait. No, yeah, this is... Oh, this is a credit card? It's a loan?

• 1:31:55Speaker 03

  No, it's a loan. It's just a loan.

• 1:31:57Caleb Hammer?

  Okay, well, same. That you're like, okay, I see.

• 1:32:01Speaker 03

  I'm making payments.

• 1:32:02Caleb Hammer?

  Yeah.

• 1:32:03Speaker 03

  It's for my car.

• 1:32:04Caleb Hammer?

  Three thousand four hundred ninety one dollars and seventy cents. Listen, the thing is.

• 1:32:09Speaker 03

  It's for my car.

• 1:32:10Caleb Hammer?

  Oh, my, this is gonna be the most insane bullshit we've ever done.

• 1:32:13Speaker 03

  Why?

• 1:32:14Caleb Hammer?

  Cause the mother's coming in.

• 1:32:15Speaker 03

  Yeah.

• 1:32:16Caleb Hammer?

  And everything we just did. Oh.

• 1:32:20Speaker 03

  Um.

• 1:32:21Caleb Hammer?

  One hundred eighty dollars and sixty six cents.

• 1:32:26Speaker 03

  Yes.

• 1:32:27Caleb Hammer?

  Alright, that's your minimum monthly. Listen, checking account started with thirty nine, that's why you got that return ACH. Listen, unless you get this under control, stop spending on bullshit and get your debt down, it's gonna be impossible to be, impossible to be independent.

• 1:32:37Speaker 03

  Yeah.

• 1:32:38Caleb Hammer?

  Okay? And you're stopping in the gas station, getting some bullshit for five bucks.

• 1:32:43Speaker 03

  That's not, that's her joint account, that's not me.

• 1:32:45Caleb Hammer?

  What are you doing? What are you getting? For five dollars?

• 1:32:48Speaker 04

  A drink, probably, I don't know.

• 1:32:50Caleb Hammer?

  Alright, buddy.

• 1:32:50Speaker 04

  Five bucks.

• 1:32:51Caleb Hammer?

  No longer, my friend, no longer! You like caffeine or hydration drinks? What's your?

• 1:32:57Speaker 04

  Hydration.

• 1:32:57Caleb Hammer?

  Electric? Okay, electric lights, no caffeine, there you go, that is gamer subs, it is absolutely incredibly delicious, every, I mean, you guys just confirmed that, right?

• 1:33:05Speaker 03

  That one's so good.

• 1:33:06Caleb Hammer?

  Isn't it so fucking good? It's so good. Gamer subs is so delicious, you guys have no idea. Get your free samples to figure out what flavor you want, link in the description below. Use my code Caleb to get your free samples, and then you get a ten percent discount on whatever packet you purchase. With those, it is forty cents a serving after my discount code. That is forty cents a serving, making your energy drinks or hydration drinks at home, instead of stopping in and getting into bullshit like this guy. Hulu, Taco Bell.

• 1:33:31Speaker 03

  Hulu's me, Taco Bell.

• 1:33:33Caleb Hammer?

  Liquor, Olive Garden, bullshit, maybe bullshit, that's hard to tell. Texas Bank, a hundred eighty bucks.

• 1:33:40Speaker 03

  That was the loan, that was to pay the loan.

• 1:33:42Caleb Hammer?

  Okay, well, you can cancel Rocket Money Premium, you guys get Dollar Wise Premium for free forever now. Children's Place, Main Street Cafe, McDonald's, Slim's Chicken, guys, make eighteen hundred dollars a month, you have no money, this is insane amount of spending.

• 1:33:55Speaker 03

  A lot of those are him, he's paying me.

• 1:33:56Caleb Hammer?

  It doesn't matter regardless. First of all, split the finances, I'm actually advising, that's rare. If we're, if we're splitting, split the finances for a bit. I'm not saying divorce, we might get back. I want us to get back, okay? I believe in love. Love is great. Okay, I want you to be able to stick it in again. Woo! Stick it in, no more Goonin' Online, okay?

• 1:34:17Speaker 03

  I'm cute too, like I don't understa- I don't, okay, whatever.

• 1:34:21Caleb Hammer?

  $65 in this account, it's nothing. Oh my gosh, Panda Express is supposed to be working there!

• 1:34:28Speaker 03

  Uh, that one was probably me.

• 1:34:30Caleb Hammer?

  Bullshit, bullshit! McDonald's, bullshit! The Walmarts are hard to tell. Because they're oftentimes probably good, but then you also stop it and get it at the same time $4.30 or something. That's probably bullshit. So it's like, it's difficult. So it's like bullshit, bullshit, I don't know. But McDonald's, Sonic, Dairy Queen, those definitely are. Maybe bullshit. Millows Pizza. Draw $9 was rejected. Chick-fil-A, Whataburger, potential bullshit. What the f- Walgreens 300 and Walgreens 280?

• 1:34:58Speaker 03

  Oh, it's because-

• 1:34:59Caleb Hammer?

  That's insane.

• 1:35:00Speaker 03

  It's because I was taken out of the ATM to pay the house.

• 1:35:02Caleb Hammer?

  Oh my gosh. You're paying cash?

• 1:35:05Speaker 03

  Well, I'm just, give it to his mo- we rent from his parents.

• 1:35:08Caleb Hammer?

  Oh my gosh. And yet we still owe my f-

• 1:35:13Caleb Hammer?

  Potential bullshit, potential bullshit. Rejected, withdraw. McDonald's, potential bullshit. Candy Crush, paying for Candy Crush?

• 1:35:20Speaker 03

  That one's probably me.

• 1:35:20Caleb Hammer?

  You can't. It's not a joke. You can't. There's no survival here if you do that. Bullshit, bullshit. Zelling money out.

• 1:35:28Caleb Hammer?

  Municipal online payment, yeah, it's like a fee for paying, I don't know. McDonald's, Etsy, come on! Chick-fil-A, Etsy! Come, I don't care what you like anymore. It is you and the child that you must survive. There is nothing. Our retirement is 676. There's nothing.

• 1:35:43Speaker 03

  Yeah, I know. That's just mine.

• 1:35:45Caleb Hammer?

  Okay, let's pretend you move on and live with your parents. Would she require rent? Would they require rent?

• 1:35:50Speaker 03

  No.

• 1:35:50Caleb Hammer?

  Thank f- utilities? How would groceries work in this house?

• 1:35:54Speaker 03

  I would buy me and my child's groceries.

• 1:35:55Caleb Hammer?

  Would you have to?

• 1:35:57Speaker 03

  Not necessarily, no.

• 1:35:57Caleb Hammer?

  Okay, try not to. We need to take care of your debt first and foremost. Independence, while you have it, I want you guys to get back together potentially, but not yet.

• 1:36:07Speaker 03

  But what about all the stuff at the house for him? Like, all the payments?

• 1:36:10Caleb Hammer?

  Doesn't matter. Get the f- out.

• 1:36:13Caleb Hammer?

  Work with a transition plan. That's fine.

• 1:36:15Speaker 03

  No, but like, I know he can't pay it.

• 1:36:18Caleb Hammer?

  I don't care. I do not care. Did you see what was done? You've been cheated on.

• 1:36:23Speaker 03

  Yeah, I know.

• 1:36:23Caleb Hammer?

  I don't care anymore. I don't. I'm sorry. That's the reality. Total income was 2,741 that came in. You had a higher payroll month with 3,500 went out anyway, so it doesn't even matter. Total debt, let's get your minimums.

• 1:36:38Speaker 03

  That's because he was working, so.

• 1:36:43Caleb Hammer?

  Before he did the charts.

• 1:36:45Speaker 03

  Uh huh.

• 1:36:47Caleb Hammer?

  That's insane.

• 1:36:52Caleb Hammer?

  Debt minimum three payments, three fifty twenty-two. That's what you have to get rid of her because that is a risk over your head. Okay, so you would not have any rent, anything like that. Your food, probably not, and I hope not. Your mom's coming in, so we can ask her. So we can cross these off. TP fund, anything else for you and your kids and maybe help back to that house a little bit?

• 1:37:09Speaker 03

  Yeah.

• 1:37:09Caleb Hammer?

  I will put three hundred dollars.

• 1:37:10Speaker 03

  Because I will have to bet her.

• 1:37:12Caleb Hammer?

  I will put three hundred dollars. I will put three hundred dollars. What is your food bill?

• 1:37:15Speaker 03

  Right now? For like, just me and her?

• 1:37:17Caleb Hammer?

  Uh, uh, phone bill.

• 1:37:18Speaker 03

  Oh, no, my mom pays mine and his mom pays his.

• 1:37:20Caleb Hammer?

  Okay, this is good. It's not great, but it's good. Medical healthcare, co-pays and stuff on a monthly basis?

• 1:37:25Speaker 03

  Seventy-three for me and my daughter because we have Marketplace. Um, and then co-pay, I need like twenty-five a month for my medicine.

• 1:37:33Caleb Hammer?

  Okay, we'll call it a hundred bucks. Subscriptions, let's put forty bucks. No pets?

• 1:37:38Speaker 03

  There's a cat, but it's his.

• 1:37:40Caleb Hammer?

  Okay, now I'm worried about it then. Okay, that should be it. There's nothing else that needs to be taken care of. If you move in with your home, if with your mom, I'll put four hundred for TP fund, giving even more back to that household.

• 1:37:51Speaker 03

  Well, I mean, gas for my car.

• 1:37:51Caleb Hammer?

  Yes, room, room, drive, drive, how much?

• 1:37:53Speaker 03

  Uh, two hundred.

• 1:37:55Caleb Hammer?

  Car insurance, how much?

• 1:37:56Speaker 03

  Uh, well, it has both of us on there, so I don't know. So two eighty-nine.

• 1:37:59Caleb Hammer?

  Do you split it?

• 1:38:00Speaker 03

  I usually pay it.

• 1:38:02Caleb Hammer?

  Try to get your own. I'll put it two eighty-nine for now, though.

• 1:38:08Caleb Hammer?

  Hopefully we can find again in the future, but you need to go open a checking account right now that is separate.

• 1:38:13Caleb Hammer?

  And put in direct deposit there. Chime is fine. Set up the direct deposit. You'll literally get three hundred fifty dollars for free if you do it. That ain't even a joke, barely even a plug. It's actually true. You need the money.

• 1:38:30Caleb Hammer?

  Okay, needed to survive, one thousand three hundred seventy-nine dollars twenty-two cents. I can't give you fun money because you're in survival mode, I'm sorry.

• 1:38:39Speaker 03

  Hmm, that's fine.

• 1:38:41Caleb Hammer?

  You only have an extra four hundred twenty dollars left on a monthly basis. Don't get excited.

• 1:39:00Caleb Hammer?

  This takes you two and a half years to pay off. You get a better job, going back to school, become a teacher, maybe a year and a half, but you still gotta do that semester at school.

• 1:39:07Speaker 03

  Uh huh.

• 1:39:08Caleb Hammer?

  Regardless, it doesn't matter.

• 1:39:10Speaker 03

  To do it.

• 1:39:10Caleb Hammer?

  You, huh?

• 1:39:11Speaker 03

  So now student teachers get paid, so I'd get paid a little bit more.

• 1:39:15Caleb Hammer?

  Listen, you need to pay off this debt as quick as possible. Live on a bare bones budget. If the parents can take care of food, that's great. You have to do that, and you need to clean up your shit so you have no risk. So if this ends up in divorce, you can be a single mother. Now, I hope it doesn't. Clearly, what happens from here is you need to get help. Potential on the sex side, you need to tell your Discord kittens they're gone. You need to un-add these people on Snap. You need to be truthful and honest and transparent going forward completely. You need space, at least three months. Go to couples therapy together. In that meantime, go to your own personal therapy. Work on your shit and get a [bleep] job.

• 1:39:53Caleb Hammer?

  I don't like that response. Shit.

• 1:39:58Caleb Hammer?

  You will? Yeah. Okay.

• 1:40:04Caleb Hammer?

  Obviously, the household financial score is zero out of 10. It's not even close. Get yours at calebhammer.com. We're gonna tell the mother, her mother, everything in the post-show. See if she can move in and what's gonna happen. This is gonna be the craziest post-show in financial on our history.

• 1:40:19Caleb Hammer?

  It's pretty much a guarantee at this point.

• 1:40:23Caleb Hammer?

  Amen. I am so sorry.

• 1:40:27Caleb Hammer?

  I really am. We'll see you there. Click join now. The mother will be coming in.

• 1:40:32Speaker 03

  I'm worried about my mom.

• 1:40:33Caleb Hammer?

  He cheated. With another woman? Well, she was in the green room. He was talking to four women. Oh, my gosh. In Discord? He was talking to one of the women about wanting to dominate her. I'm shaking. I'm shaking. You know, biblically, you have a re-

• 1:40:50Speaker 03

  And for divorce. I want to make it work for our daughter, but I do want to separate, I think.

• 1:40:55Caleb Hammer?

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