Financial Audit's Messiest Divorce

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

• 0:00Speaker 00

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• 0:31Speaker 01

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• 0:59Caleb Hammer?

  To watch episodes of Financial Audit a week earlier, check us out on YouTube. You just literally walked out on your husband. You're just abandoned. And you're gone.

• 1:07Speaker 03

  I am.

• 1:07Caleb Hammer?

  What the [bleep] happens?

• 1:09Speaker 04

  She would treat me like shit, if I'm being honest.

• 1:10Caleb Hammer?

  Really?

• 1:11Speaker 03

  No, I'd let him know he was lazy. He's a grown ass man.

• 1:14Speaker 04

  I hear you.

• 1:14Caleb Hammer?

  And is that an effective way of communicating and trying to get change across? Hey, you lazy piece of shit.

• 1:19Speaker 03

  I gave up trying to effectively communicate because that wasn't working.

• 1:22Speaker 04

  It felt like she was gaslighting me.

• 1:24Speaker 03

  You thought because I was telling you to go out, I was gonna tell you to go out just to get mad at you? You know how stupid that sounds?

• 1:29Speaker 04

  It wouldn't be the first time.

• 1:30Speaker 03

  You're least.

• 1:30Caleb Hammer?

  What the [bleep] is this? You have a boyfriend!

• 1:32Speaker 03

  Dating, dating.

• 1:34Caleb Hammer?

  You moved out a couple of months ago. Your husband is getting you picked.

• 1:38Speaker 03

  We've been split up since last year.

• 1:42Caleb Hammer?

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• 2:03Speaker 04

  Hi, I'm Justin and I'm 29 years old.

• 2:05Speaker 03

  Hi, I'm Natalie. I'm 27 and we're from Seattle, Washington.

• 2:08Speaker 04

  And this is Financial Audit.

• 2:11Caleb Hammer?

  Listen, guys. I go into these episodes blind with the audience. It's a fun, fun little part of the show. But I think, I think, I think Lindsay was just a little too excited when she was passing by my office earlier and she just gave me a little hint of what's going on and what the absolute [bleep]. So Natalie, I hear you just literally walked out on your husband, left the house because of the finances. You're just abandoned. You just left. You stormed, you ran, and you're gone.

• 2:49Speaker 03

  I am.

• 2:50Caleb Hammer?

  What the [bleep] happened?

• 2:51Speaker 03

  Uh, two years.

• 2:53Caleb Hammer?

  And this is your husband, by the way, the guy you walked out on?

• 2:55Speaker 03

  Yes.

• 2:56Caleb Hammer?

  What the [bleep]?

• 2:57Speaker 03

  Two years of asking him to figure out finances and help me with it and just do more. And I told him I would leave and I think he kind of expected me to stay because I relied on his income because I was a stay at home mom for so long.

• 3:08Caleb Hammer?

  There's children.

• 3:10Speaker 03

  There is.

• 3:10Caleb Hammer?

  There's children.

• 3:11Speaker 03

  There is children.

• 3:12Caleb Hammer?

  How many?

• 3:13Speaker 03

  Four.

• 3:14Caleb Hammer?

  Four kids? And what are the ages of the four kids? Oh, good.

• 3:17Speaker 03

  Eight, seven, two and a half and one and a half.

• 3:22Caleb Hammer?

  Yeah, yeah, yeah, yeah, okay. Eight, seven, two and one. Okay. Um, and then you walked out. Well, two years of warnings. Why the [bleep] could you not get your shit together? That's two years of warnings. I think that is kind of reasonable that after threatening for two years to fix something and you didn't, she leaves.

• 3:42Speaker 04

  I mean, well, like, you expect, you know, you think you're doing things differently, right? You think you're improving and then when the rules switch up.

• 3:51Caleb Hammer?

  The rules switch up. Is it like goalpost pushing?

• 3:53Speaker 04

  Shit, the goalpost moves, the goalspost change.

• 3:56Caleb Hammer?

  This is true.

• 3:57Speaker 03

  No, it's the same shit.

• 3:58Caleb Hammer?

  Tell me.

• 4:00Speaker 04

  I mean, it feels like, to me, it feels like, well, I don't know. I guess now I could say, after reflection, it would be like...

• 4:10Caleb Hammer?

  Well, what was the goalpost that had been changed? Walk me through what it felt like to you.

• 4:14Speaker 04

  I mean...

• 4:16Speaker 04

  At the time, I thought it was like that I wasn't doing enough for the family, I guess, around the house and being more active.

• 4:23Caleb Hammer?

  Okay.

• 4:24Speaker 04

  Being more active with our kids and our family and things like that.

• 4:27Caleb Hammer?

  Is that how the conversation started?

• 4:28Speaker 03

  No, the conversation had been just really about everything, like, hey, I need your help, I need your help, I need you to learn finances, because I would constantly ask him, do you even know how much we pay in rent? Do you know how much this is? Do you know who we finance this through? He doesn't have an answer to any of that. And I'm like, this is what I'm trying to tell you, this is what I'm talking about. You don't know anything when it comes to our bills or finances.

• 4:46Caleb Hammer?

  Why did he think that it was just doing things around the house?

• 4:50Speaker 03

  Because I asked him for that also, but he would do part of what I would ask him to, he'd do it for like a week or two, and then go back to the same thing.

• 4:57Caleb Hammer?

  You were the fallback, you do the change real quick.

• 5:00Speaker 04

  Yeah.

• 5:00Caleb Hammer?

  You're the bad employee, the one who gets a correction, does a little better for a couple of weeks, and falls back to the old ways.

• 5:06Speaker 04

  I did do that, but...

• 5:08Caleb Hammer?

  And now you got fired.

• 5:10Speaker 04

  Yeah, but...

• 5:11Caleb Hammer?

  From husbandhood. Well, you guys are still married, right?

• 5:13Speaker 03

  Still married, yeah.

• 5:15Caleb Hammer?

  Dude, she left.

• 5:17Speaker 04

  Yeah.

• 5:18Caleb Hammer?

  She walked up and [bleep] and left after two years. But you don't see it, you don't, you don't see it as you were in the wrong.

• 5:25Speaker 04

  No, I mean, at the time, I didn't, but like...

• 5:28Caleb Hammer?

  Well, okay, but tell me, at the time, you felt the goalposts were pushing, you thought, okay, this is me doing more around the house. Obviously, she was like, okay, bills, bills, you gotta learn the bills, you gotta know what's going on. Why, why did you not see that? In your mind, like, what were you seeing from your perspective? Because I, listen, she says this, we might instinctually think she's right, I don't know, always listen to the woman, you know, blah, blah, blah, that's where we are. Maybe you're in the right, I don't know, maybe you are.

• 5:56Speaker 04

  I think, you know, to my credit, I, I have a, I'm a one-track mind kind of person at the time, I think, and I think about, uh...

• 6:06Caleb Hammer?

  Oh, me too.

• 6:06Speaker 04

  Yeah.

• 6:07Caleb Hammer?

  I focus.

• 6:07Speaker 04

  I was doing one thing, I was doing one thing, not doing the other, but...

• 6:11Caleb Hammer?

  Did you know about the others?

• 6:13Speaker 04

  I didn't keep it in mind.

• 6:15Caleb Hammer?

  Okay.

• 6:15Speaker 04

  If that makes sense. Because I was so focused on the other thing that I was doing, that I thought...

• 6:20Caleb Hammer?

  Well, did you see improvement on the one thing he was doing, on the hyper-focus? Would that be good enough?

• 6:24Speaker 03

  For a couple of weeks.

• 6:25Caleb Hammer?

  For a couple of weeks, why'd you fall back?

• 6:28Speaker 04

  Cause uh.

• 6:28Caleb Hammer?

  Or do you agree that you fell back?

• 6:30Speaker 04

  Yes and no. Like I did after, you know, um, like she said, I did, but then I would start again, but then I didn't. But it was like a fluctuation thing. And like, I was just, I think angry at her because we were like hating each other at the time and I just.

• 6:49Caleb Hammer?

  Hating each other?

• 6:50Speaker 04

  Yeah, it was bad.

• 6:51Caleb Hammer?

  Full hate?

• 6:52Speaker 04

  I wouldn't say hate. Hate is a strong word.

• 6:55Caleb Hammer?

  Well, what was going on, lady?

• 6:56Speaker 03

  I didn't want to be around him.

• 6:58Caleb Hammer?

  At all?

• 6:58Speaker 03

  At all.

• 6:58Caleb Hammer?

  When was this?

• 6:59Speaker 03

  She, this started probably last year in October. I mean, like for the past couple of years, it's kind of been that, like where I would get really frustrated, ask him to change, ask him to do something. Then he changed, we're good for a few weeks. And then he goes back and then I'm just dealing with it silently. It's like every few months.

• 7:14Caleb Hammer?

  Well, why would you do that? Because that is, no offense, a stereotypical woman thing where it's like, you have the emotions around a topic, but you hold it in and you don't communicate it effectively. And you want to see a change without actually advocating for a change specifically.

• 7:27Speaker 03

  Well, and I did advocate. And that's why I'm saying we would have this every couple of months.

• 7:31Speaker 04

  I think that she, she's a bottler. She likes to, she does like wait until it gets to a breaking point and then explode. But I mean.

• 7:41Caleb Hammer?

  I know it's nice to see other people make a change. It's nice to see that. It's nice to feel that someone else is going out of their way to make a change. That's nice. But it is no one's job, nor honestly ability to be able to read minds. It has to be constant communication. And if that is someone's flaw, honestly, I'll be honest. It is one of my flaws. It is one of my flaws that I am a one-track mind person to. I hyper-fixate on things. It is just a part of my personality. I try to do coping mechanisms to do better on that. But I cannot read minds. I cannot read minds. When my girlfriend is upset about something, um, because I didn't instinctually do it, right? Cause obviously it's nice to have that instinctually done.

• 8:24Caleb Hammer?

  I need that extra help because that is my flaw.

• 8:27Speaker 03

  I do tell him. That's the thing. I literally have to write shit down. I've downloaded apps on both of our phones. No, I've bottled after I've told him over and over and over again. And it's like, why am I gonna keep telling you and wasting my breath?

• 8:40Caleb Hammer?

  Over and over and over again?

• 8:41Speaker 04

  Yes.

• 8:42Caleb Hammer?

  Then why the would you not change? Cause that's on you then if it's endlessly communicated.

• 8:47Speaker 04

  Um.

• 8:49Speaker 04

  Like I said, one-track mind kind of person and I thought I was.

• 8:54Caleb Hammer?

  One-track mind is a reality, doesn't mean you can't implement coping mechanisms to try to deal with your shit.

• 9:00Speaker 04

  Yeah, but.

• 9:01Caleb Hammer?

  Listen, if it was endless repeating of the things that she needs you to work, okay, well, the thing she needed you to work on reasonable though, because maybe you guys disagreed on that. Because that is a possibility, like maybe what you were advocating for was kind of both.

• 9:14Speaker 04

  No, I think it was just me like resenting her because the entire time. Yeah, because she would treat me like shit if I'm being honest.

• 9:23Caleb Hammer?

  Really? Why would you do this? How was that a productive? How was that a productive communication style?

• 9:29Speaker 03

  I just got tired of him, me having to baby him.

• 9:31Caleb Hammer?

  He says you treat him like shit.

• 9:32Speaker 04

  It's a matter of perspective.

• 9:34Caleb Hammer?

  Well, listen, you're the one that had the feeling of.

• 9:38Speaker 04

  Yeah.

• 9:38Caleb Hammer?

  How you were being treated, so him feeling like he was being treated like shit is valid.

• 9:42Speaker 03

  But I didn't treat him like shit. I'm just not very nice.

• 9:45Caleb Hammer?

  What did she do to treat you like shit?

• 9:47Speaker 04

  Well.

• 9:48Caleb Hammer?

  What was conveyed that made you feel like shit?

• 9:50Speaker 04

  Well, just basically the adamant base, me being not, they not a good person and shit like that, being a terrible person.

• 9:59Caleb Hammer?

  Not will. How you did it?

• 10:00Speaker 03

  No, I'd let him know he was lazy. He's a grown ass man.

• 10:03Speaker 04

  I hear you.

• 10:04Caleb Hammer?

  And is that an effective way of communicating and trying to get change across, hey, you lazy piece of shit?

• 10:08Speaker 03

  I gave up trying to effectively communicate because that wasn't working.

• 10:13Caleb Hammer?

  So before, it wasn't working. Would you find that valid?

• 10:17Speaker 04

  Just because, you know, you're not getting what you wanted or somebody doesn't mean you can belittle them and treat them like shit in front of everybody for.

• 10:24Caleb Hammer?

  I agree unless it's on the show.

• 10:27Speaker 03

  No, I don't. We joke around. That's just how we are.

• 10:30Caleb Hammer?

  Joke around? No, he felt like shit though. Did you advocate for yourself and say you felt like shit?

• 10:34Speaker 04

  No.

• 10:35Caleb Hammer?

  Well, why the, why are you a pussy?

• 10:37Speaker 04

  You know, because I was bottling everything up too, because I didn't.

• 10:41Caleb Hammer?

  So we're both bottlers, so we're both just nuclear bombs ready to explode. No shit, she walked out. What was the final breaking point? How long have you guys been married?

• 10:49Speaker 03

  Uh, we've been married since 21, so four years.

• 10:52Speaker 04

  But we've been together.

• 10:53Caleb Hammer?

  Eight-year-old. Wait, how many of the kids are yours?

• 10:54Speaker 03

  So I came in with two boys. He had no kids. Our last two girls are his.

• 11:00Caleb Hammer?

  Okay.

• 11:03Caleb Hammer?

  What was the breaking point?

• 11:04Speaker 03

  Uh, she just not like just getting tired of everything. So this was the breaking point. I told him I wanted to go back to school. I wanted to focus on school full time because he wanted to do that. I gave him that opportunity. I worked from home. He wanted to go back to school.

• 11:19Caleb Hammer?

  You wanted to. You were the breadwinner.

• 11:21Speaker 04

  I did.

• 11:22Speaker 03

  And he did. He completed his school.

• 11:23Caleb Hammer?

  Oh, he already did this. So he did this successfully. So now you wanted to do the same.

• 11:26Speaker 03

  My turn. Yeah. And he promised.

• 11:29Caleb Hammer?

  That is difficult, but go on.

• 11:30Speaker 03

  And he promised, hey, if you go back to school, I'll take care of the household. I'll take stuff off your plate.

• 11:34Caleb Hammer?

  What is take care of the household to you?

• 11:37Speaker 03

  Figure out finances, make sure the kids are good.

• 11:40Caleb Hammer?

  Managing the bills. What is making sure the kids are good, though?

• 11:42Speaker 03

  Like making sure they're picked up from school on time, they're getting to school. I mean.

• 11:48Caleb Hammer?

  Is he keeping the house clean?

• 11:50Speaker 03

  That's a hit or a miss. I mean, I have to make a list or things for him to do while I'm gone. I have to make sure, hey, the way I have to tell the kids, this needs to be done. Here's your chores. I have to do the same shit for him. So it was like.

• 12:03Speaker 04

  Had.

• 12:04Speaker 03

  Well, now you have my mom.

• 12:06Speaker 04

  No, whoa, whoa, whoa, whoa, whoa. I still do.

• 12:08Speaker 03

  My mom lives with him and helps with the kids full time.

• 12:11Caleb Hammer?

  But you don't?

• 12:12Speaker 03

  No.

• 12:16Caleb Hammer?

  Wait, when did you move out?

• 12:17Speaker 03

  Like in June or July.

• 12:19Caleb Hammer?

  How long has his mother lived there?

• 12:20Speaker 03

  Since March.

• 12:23Caleb Hammer?

  So mom moves in and you immediately leave?

• 12:26Speaker 03

  Well, no.

• 12:26Caleb Hammer?

  She's replaced wife. Her mom, her, not his mom, your mom.

• 12:31Speaker 03

  Yeah. So my mom came back to help me.

• 12:33Caleb Hammer?

  Moves in and you immediately leave. Wait, wait, wait. Did you not take the kids?

• 12:38Speaker 03

  Well, no.

• 12:39Caleb Hammer?

  Wait, you left and you left the kids there?

• 12:41Speaker 03

  I live one street over.

• 12:43Caleb Hammer?

  But you left the household?

• 12:44Speaker 03

  I did.

• 12:44Caleb Hammer?

  There's a one year old and two year old there.

• 12:46Speaker 03

  Yes.

• 12:47Caleb Hammer?

  Well, and you, you, you left?

• 12:49Speaker 03

  I left.

• 12:50Caleb Hammer?

  Well, hold the on. A few months ago, you left. You left the kids there right after mothers moved in.

• 12:55Speaker 03

  Mm hmm.

• 12:56Caleb Hammer?

  What the is the dynamic?

• 12:58Speaker 03

  So I couldn't afford the house that we lived in together, right? So originally we had split up our finances and he was supposed to get his own place. Then his excuse was I didn't want to live under a different roof than the kids. He thought that was gonna keep us together. No, it's not invalid. So I said, you can stay living here. I can't afford this. I left the kids.

• 13:16Caleb Hammer?

  What the? Why, why, why, why? I'm not saying force yourselves to live with each other if we have fallen out of love, but there has to be a reasonable timeline we might be able to implement, maybe get through school first and then do it.

• 13:28Speaker 03

  Well, no. So I said, I'm gonna do my year lease and then I plan on taking my kids back.

• 13:32Caleb Hammer?

  You can afford your lease if you're afraid of him leaving as the income.

• 13:35Speaker 03

  Well, I'm not, no, because I can afford my own little place, but I couldn't afford the rent that he was, that he currently pays at the other place. So I had gotten a new job. I got my place and, you know, it's a street over.

• 13:48Caleb Hammer?

  But the fuck did mom move in, right before you left?

• 13:51Speaker 03

  Why does she move? Oh, because she was already moving out here anyways before we like knew that we were gonna separate households and stuff. We had already agreed she was gonna move out here because we lived out here. She lived in Texas. She was around her grandkids all the time. We were flying her out to us every two to three weeks. So instead of her flying out, she was like, hey, my lease is coming up. I'll move out there. I gave your sister four years to do her school and stuff and I'm full-time grandma and I'm giving you that time to focus on your schooling.

• 14:18Caleb Hammer?

  You moved out though.

• 14:19Speaker 03

  I did.

• 14:20Speaker 04

  She took a sabbatical.

• 14:22Caleb Hammer?

  Yeah, from the family, from the kids, from mother. Yes.

• 14:25Speaker 03

  No.

• 14:26Caleb Hammer?

  Yes.

• 14:27Speaker 04

  No, she, she does help. I'm not saying that she's not around.

• 14:30Caleb Hammer?

  I'm sure she helps and she's around, but she left the house. She's not there. She's not there. She shows up. She's not there.

• 14:38Speaker 03

  I mean, she-

• 14:39Caleb Hammer?

  What? You don't feel, this doesn't feel weird and wrong to you?

• 14:42Speaker 04

  It did at first.

• 14:44Caleb Hammer?

  Oh, yeah. But that was only a couple of months ago.

• 14:46Speaker 03

  It wouldn't look any different if a man got up and left the house to get his shit together.

• 14:51Caleb Hammer?

  Would I say he should abandon his family? No.

• 14:53Speaker 03

  Nobody abandoned.

• 14:54Caleb Hammer?

  But also that's where split custody starts coming into effect and you guys are still, are we staying married?

• 14:59Speaker 03

  So we were going to again-

• 15:02Caleb Hammer?

  What is this?

• 15:03Speaker 03

  Do my year lease.

• 15:04Caleb Hammer?

  What the fuck is this? You have a boyfriend?

• 15:06Speaker 03

  Don't have a boyfriend.

• 15:09Caleb Hammer?

  You have a boyfriend from what I see.

• 15:11Speaker 03

  Dating, dating.

• 15:13Caleb Hammer?

  You moved out a couple of months ago. Your husband and kid and you pick, she got a man?

• 15:18Speaker 03

  We've been split up since last year.

• 15:20Caleb Hammer?

  She got a man? She got a man?

• 15:23Caleb Hammer?

  What the fuck is this?

• 15:25Speaker 04

  Real life.

• 15:25Caleb Hammer?

  What is going on? You're getting cocked.

• 15:30Caleb Hammer?

  Bro, you're getting fuck cocked.

• 15:34Speaker 03

  No.

• 15:34Caleb Hammer?

  Do you watch?

• 15:36Speaker 04

  I know, I, no, I don't, but-

• 15:40Caleb Hammer?

  Well, that should have been a very easy no.

• 15:42Speaker 03

  It should have been an easy no.

• 15:42Speaker 04

  No, I just-

• 15:45Speaker 04

  He just caught me off guard.

• 15:46Caleb Hammer?

  What? She is dating the guy after moving out immediately? And she moves her mom in to take care of you and the kids and then she goes and fucks another dude? That, that's crazy. I have never heard of that. I have never heard of that in my life. In my entire fucking life have I ever heard of that? No.

• 16:05Speaker 03

  So would it have been different if we had actually filed a divorce?

• 16:07Caleb Hammer?

  Oh, at all? This was also a couple of months ago and you moved out, you tit?

• 16:11Speaker 03

  Well, we've been split up since last year. We just lived together.

• 16:15Caleb Hammer?

  Wait.

• 16:17Caleb Hammer?

  Hold on. How long were you guys even, like, how long did you guys even like each other? Why you guys split up immediately?

• 16:25Speaker 03

  We... Because again, it was two years. I had been begging him. I got tired of it.

• 16:31Speaker 04

  I mean, to be fair, before, I mean, it's not like nothing else was happening during that time, so...

• 16:37Caleb Hammer?

  Huh? What, what does that mean? Huh?

• 16:41Speaker 04

  She was still entertaining people around that time anyway.

• 16:45Speaker 03

  We had an open relationship.

• 16:48Caleb Hammer?

  It was officially open.

• 16:49Speaker 03

  It was what we agreed on, but he didn't do anything about it.

• 16:52Caleb Hammer?

  Wait, what? What did you? No, tell me.

• 16:54Speaker 03

  He didn't want to go do anything. We agreed-

• 16:56Caleb Hammer?

  My vibe was open, but I don't think, the only way an open relationship works is if both people are 100% in, in, in, in.

• 17:02Speaker 03

  And that's, you know how many conversations I've asked him?

• 17:05Speaker 04

  See, the thing with that is just, you know, she knows I'm the type of person, I don't really go out, I don't really do much. I like to just hang out, play my games, chill, you know? I smoke, I relax, and I just relax.

• 17:16Caleb Hammer?

  Smoke?

• 17:17Speaker 04

  I smoke, dude, on occasion. On occasion.

• 17:20Caleb Hammer?

  Okay. I mean, I don't go out either, but I [BLEEP] plow flaps?

• 17:25Speaker 04

  You know, it's not that I, it's not that I, you know, don't do anything, it's I just choose not to go out.

• 17:31Speaker 03

  I've literally told him, "Hey, let's go out. Hey, there's this girl." He just doesn't want to go out. He doesn't want to do any, he wants to stay home and play his video games today. And that's part of the split too, is because you spend more time on your games than doing anything. You spend, you make sure you put side, time aside to play your game to make sure you beat it, but you don't put time aside to learn what you need to do, and that was a big part of it.

• 17:52Caleb Hammer?

  Need to do for what? Make recipe sandwiches?

• 17:54Speaker 03

  For the house, himself, anything.

• 17:58Caleb Hammer?

  You weren't, you weren't plowing?

• 18:02Speaker 03

  He wasn't doing shit.

• 18:03Speaker 04

  It wasn't just because I was just, I just, you know.

• 18:06Caleb Hammer?

  You don't want to [BLEEP].

• 18:07Speaker 04

  It's not that I don't want to [BLEEP]. Obviously, I want to [BLEEP].

• 18:09Caleb Hammer?

  Why weren't you [BLEEP]?

• 18:11Speaker 04

  It's just because to me, I don't know. It is, it didn't, I didn't feel, it didn't feel right at the time.

• 18:17Speaker 03

  He didn't mind if it was a female with both of us?

• 18:20Speaker 04

  That's different.

• 18:20Caleb Hammer?

  Oh, you're three wayed.

• 18:22Speaker 03

  We have, and that's why I thought everything was good. Yeah.

• 18:25Speaker 04

  Yeah, I mean, I'm, it's not that I wasn't down for it, it's just, I just.

• 18:28Caleb Hammer?

  Why weren't you going out there and getting some tits?

• 18:32Caleb Hammer?

  Well, you wanted them to.

• 18:33Speaker 03

  Yeah, that's why I said, "Thank you." Don't lie, we agreed that this was open. This shit, it was on, this was viral on Facebook about us having a [BLEEP] in open relationship.

• 18:43Speaker 04

  But then, even when I was, if I were to go out, you would be pissed off.

• 18:46Speaker 03

  I really, you always say that, but you've never gone out. You don't go out, what do you mean I'd be pissed? You always say that, but I don't give a [BLEEP].

• 18:55Speaker 04

  I guess.

• 18:55Speaker 03

  I don't care.

• 18:56Speaker 04

  All right. If that's what, if that's what you feel, that's not what you.

• 18:59Speaker 03

  The amount of times I've literally told this man to go out, find some friends, go out. You want to go out with me? Hey, even my other baby daddy was like, "Hey, let's go to the strip club, let's go do something." He don't want to do that. Mike, you two are supposed to go.

• 19:12Speaker 04

  Said that?

• 19:13Speaker 03

  Yes, so he's supposed to have been out multiple times, so.

• 19:18Caleb Hammer?

  He disagrees with this, why? I want to hear your perspective, because you're letting your streamer roll you right now.

• 19:24Speaker 04

  So, I mean, it's just like, I want, I,

• 19:30Speaker 04

  I decided not to go out, right? It didn't feel right for me to just go out and [BLEEP] other people at the time. I know I was, like, I was okay with it, but it just didn't, like, when I, when I thought about going out to go do it, it didn't.

• 19:41Caleb Hammer?

  Yeah, but you said she was always upset with you, if you did.

• 19:45Caleb Hammer?

  That's what you just said.

• 19:46Speaker 04

  Yeah, I know, it didn't feel right to me, I guess. I know it sounds stupid, but it didn't feel.

• 19:51Caleb Hammer?

  No, you said she was upset anytime you'd go out.

• 19:54Speaker 03

  But you didn't go out.

• 19:56Speaker 04

  That's what happens, it felt like she was gaslighting me.

• 19:59Speaker 03

  You thought because I was telling you to go out, I was going to tell you to go out just to get mad at you? You know how stupid that sounds?

• 20:04Speaker 04

  It wouldn't be the first time.

• 20:06Speaker 03

  No, no, when's the last time you've gone out?

• 20:11Speaker 04

  You know what? That's a good question.

• 20:13Speaker 03

  So I motherfucking thought.

• 20:14Caleb Hammer?

  It wouldn't be the first time. What's the?

• 20:17Speaker 04

  I don't know. Sometimes it feels like she's a manipulator.

• 20:22Speaker 03

  I'm straight, I'm direct, and that's why he says I'm mean to him because I'm brutally honest. I'm just direct. I don't know how that's manipulating. I will literally just be direct with you and then you get your feelings hurt that I'm direct with you.

• 20:35Speaker 04

  No, it's not all the way, not like that. Like when you are telling me something, but it's something you really don't, like it's something you don't want me to do, but you expect me to do it anyway. Cause you think I'm gonna, you think I'm gonna do something stupid or whatever, if that makes sense.

• 20:53Speaker 03

  That doesn't.

• 20:54Speaker 04

  Okay. You tell me to do something, right? That you don't want me to do. But you expect me to do it anyway to get mad at me.

• 21:03Speaker 03

  How many times have I told you it could be something as simple as, oh, I'm gonna get?

• 21:08Caleb Hammer?

  Address what he said.

• 21:09Speaker 03

  No, I don't.

• 21:10Caleb Hammer?

  He thinks you tell him to do things that you instinctually do not want him to do so that you can get upset at him for doing it.

• 21:17Speaker 03

  Why the would I want to get upset at him?

• 21:18Caleb Hammer?

  Why do you think that?

• 21:19Speaker 04

  Cause she revels in drama.

• 21:22Speaker 03

  I really don't. I'd be chilling.

• 21:24Caleb Hammer?

  Why does he think this then?

• 21:26Speaker 04

  Oh, I don't know that our marriage and our relationship?

• 21:31Caleb Hammer?

  Doesn't seem invalid.

• 21:32Speaker 03

  It's not invalid, but I mean, actually, yeah. No, it's not even that. I just, so my family got into our relationship. My sister created a whole fake phone number pretending to be some other dude texting him.

• 21:47Caleb Hammer?

  Whoa, whoa, whoa, what?

• 21:48Speaker 03

  Yeah, it was a whole thing.

• 21:49Caleb Hammer?

  No, what?

• 21:50Speaker 03

  She, so she tried to get in the middle of our marriage. She created a fake. There's just a lot between us. She's really.

• 21:56Caleb Hammer?

  Did you fuck her?

• 21:57Speaker 04

  No, no, god, no.

• 21:59Speaker 03

  She was trying to, is what I'm getting at.

• 22:01Caleb Hammer?

  She wanted, your sister wanted to fuck him?

• 22:03Speaker 03

  I'm, I'm, I'm assuming.

• 22:04Caleb Hammer?

  Your husband?

• 22:05Speaker 03

  I'm assuming, cause she's with my, she's, she got with my ex, baby daddy.

• 22:08Speaker 04

  Ex is?

• 22:09Speaker 03

  Ex is.

• 22:10Caleb Hammer?

  Every ex?

• 22:11Speaker 03

  Not every ex.

• 22:12Caleb Hammer?

  Wait, wait, wait.

• 22:13Speaker 04

  Tell him.

• 22:13Caleb Hammer?

  Who's calling? Who's calling?

• 22:15Speaker 03

  I don't wanna answer that.

• 22:16Caleb Hammer?

  Who's calling?

• 22:18Speaker 03

  It's...

• 22:19Caleb Hammer?

  Your boyfriend?

• 22:20Speaker 03

  No, it's not my boyfriend. It was somebody that I was messing around with for a little bit. He got kinda crazy and I completely just cut him off.

• 22:27Caleb Hammer?

  Why are you not on Do Not Disturb, first of all, which is one of the first things we tell you to do when you walk in this building?

• 22:31Speaker 03

  I didn't know. I'm gonna just turn my phone on.

• 22:33Caleb Hammer?

  And second of all, what are you... How many guys are you getting dick down by on a daily basis?

• 22:38Speaker 03

  No, not really. I'm dating this dude.

• 22:40Speaker 04

  Not really? What the [__] does that even mean?

• 22:42Speaker 03

  I work all the [__] time, so I get it where I can, and that's with the dude I'm dating. It's honestly like, this man was months ago. I don't know why the [__] is calling me. I haven't heard from him in months.

• 22:54Caleb Hammer?

  He's horny.

• 22:55Speaker 03

  I don't care.

• 22:57Caleb Hammer?

  But that's why.

• 22:58Speaker 03

  No, I don't care.

• 22:59Caleb Hammer?

  No, that's why.

• 23:00Speaker 03

  Oh, no, he's probably, he's probably gonna cuss me out.

• 23:03Caleb Hammer?

  Why?

• 23:04Speaker 03

  Cause he's just, he does that. He just is...

• 23:06Caleb Hammer?

  Why?

• 23:08Speaker 03

  He is a true... So, well, we were sleeping together, right? I told him, "I'm not sleeping with anybody else. I don't wanna do that. If you are, just let me know. Be respectful of that. Like, be mindful of that."

• 23:18Caleb Hammer?

  Do you care about burning the bridge with him?

• 23:19Speaker 03

  I've already burnt the bridge with him.

• 23:21Caleb Hammer?

  Good, call him back. I'll talk.

• 23:23Speaker 03

  Oh, shit.

• 23:24Caleb Hammer?

  No, actually, yeah, answer. Let's see what he does, and then I'll jump in if needed.

• 23:27Speaker 03

  Oh, god, the FaceTime call.

• 23:29Caleb Hammer?

  Springer, let's go, ladies and gentlemen.

• 23:32Speaker 03

  Let me, he's...

• 23:32Caleb Hammer?

  Just do audio.

• 23:33Speaker 03

  Because I told him I didn't want to deal with him anymore, he went the [__] off on me.

• 23:38Caleb Hammer?

  Yeah, just call him. Put him on speaker. Put the speaker here. Put the speaker here.

• 23:43Caleb Hammer?

  All the way up. Turn it.

• 23:44Speaker 03

  That's all. Please check the number and dial... Oh.

• 23:46Caleb Hammer?

  And then give a call. Double call.

• 23:48Speaker 03

  Maybe he'll call back, cause his phone is off.

• 23:51Caleb Hammer?

  Say, "No FaceTime. You can call me on audio."

• 23:54Speaker 03

  Yeah, just text him.

• 23:58Speaker 05

  I just wanna know, one thing.

• 24:02Speaker 03

  What?

• 24:02Speaker 05

  You think all those, you think all those problems you causing in my life is just gonna go just that way, and you just, okay?

• 24:07Speaker 03

  I didn't cause any problems, bro.

• 24:10Speaker 05

  Alright, yup, got you.

• 24:18Speaker 03

  I told you, he was calling to cuss me out.

• 24:19Speaker 04

  Don't hear I find like five baby mamas? Not five baby mamas. Five bitches?

• 24:24Speaker 03

  So here's what happened. I found out-

• 24:26Caleb Hammer?

  Editor, bring back when he said she revels in the drama.

• 24:30Speaker 04

  Cause she revels in drama.

• 24:32Speaker 03

  I really don't. I be chilling.

• 24:34Speaker 04

  I'd like to emphasize-

• 24:35Caleb Hammer?

  I'm starting to think he might be right.

• 24:39Speaker 04

  She is the drama.

• 24:39Speaker 03

  I told this dude I did not want to do anything with him anymore. I found out he had a girlfriend that he lived with and he was sleeping with all kinds of different girls. And I was like, bro, that, I'm good.

• 24:48Caleb Hammer?

  You were open, I don't know.

• 24:49Speaker 03

  No, we weren't, we weren't together.

• 24:51Caleb Hammer?

  But you weren't dating him.

• 24:53Speaker 03

  I know, but I just told him, I just wanted you to be honest. But then I found out, like I said, he had a girlfriend and stuff. She had outreach and so me and her had a conversation. She kicked him out and he's just basically spiraling and he's blaming me for a spiral. But he's a 46 year old man with no job, no nada, nothing going on. But this is my best friend's cousin, I think it is. I don't know.

• 25:13Caleb Hammer?

  You're fucking your best friend's cousin. Let's talk about student loans. I know it's something we all avoid talking about, but if your private student loans are crushing you, Y Refi might be exactly what you need. They don't rely on your credit score alone. They look for borrowers who have the desire and the ability to repay. That is a game changer in a market where most lenders only see a number. Interest rates, under 6% guaranteed. That's practically a unicorn in student lending. Plus, they offer structured payment plans to lower your monthly bill and even a co-center release program so your mom and dad can step off the hook. Y Refi is known for their personal service. No faceless call centers.

• 25:58Caleb Hammer?

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• 26:42Caleb Hammer?

  You just can't see where it's going. If your bank account is empty at the end of every month, that is not bad luck, that is bad tracking. And it's exactly why I use Dollar Wise. It shows you exactly where your money's going every single month. Spending, subscriptions, and savings all in one simple dashboard. Everything you need and nothing you don't. And when you download Dollar Wise today, you'll get six to try for free plus three months for just $9.99. So you can finally take control and see what your money's been doing behind your back. Click below to get started. And your sister's exes.

• 27:15Speaker 03

  Yeah.

• 27:16Caleb Hammer?

  What's your relationship with your current boyfriend?

• 27:19Speaker 03

  Well, we're just kind of, we're just dating. We haven't done anything. We're just kind of seeing each other.

• 27:23Caleb Hammer?

  How do you know him?

• 27:24Speaker 03

  Uh, he actually reached out to me on social media.

• 27:28Caleb Hammer?

  Randomly?

• 27:29Speaker 03

  Uh, randomly. He had been following my social media, I guess, for a while.

• 27:32Caleb Hammer?

  So it's a random person?

• 27:33Speaker 03

  Random person, yeah.

• 27:34Caleb Hammer?

  Okay, not your ex coworker?

• 27:36Speaker 03

  No. The ex coworker.

• 27:42Speaker 03

  We're, you know.

• 27:45Caleb Hammer?

  What the?

• 27:45Speaker 03

  We don't want to complicate things because we work together.

• 27:49Caleb Hammer?

  Oh, current coworker?

• 27:50Speaker 03

  Ex coworker.

• 27:51Caleb Hammer?

  That you're?

• 27:51Speaker 03

  We just recently stopped working together.

• 27:54Caleb Hammer?

  Wow, it's moved that quickly since Lindsay has on boarded you guys? That's how quickly you run through dick.

• 28:00Speaker 03

  No, the ex coworker is somebody that had liked me. I liked him. We didn't know and we, you know, we would go out and have dinner and stuff, but we weren't doing anything.

• 28:14Caleb Hammer?

  Dude, you're getting permacucked the entire time.

• 28:16Speaker 03

  This is crazy.

• 28:19Speaker 04

  At this point, it doesn't even concern me anymore because...

• 28:22Caleb Hammer?

  Do you know her current boyfriend? Do you ever even see him?

• 28:25Speaker 04

  I've seen him, no, her current one, no.

• 28:29Speaker 04

  I don't, the other...

• 28:30Caleb Hammer?

  But the one she just ended, the, the ex?

• 28:31Speaker 04

  Yeah, I'd, I'd seen him before.

• 28:34Caleb Hammer?

  I heard you guys were friends.

• 28:36Speaker 04

  Who? Oh, no, that was, that's her baby daddy.

• 28:38Caleb Hammer?

  Oh, my gosh, this is, they're everywhere. This is insane.

• 28:44Speaker 03

  Yeah, he, him and my ex baby daddy get along.

• 28:47Caleb Hammer?

  The notes couldn't even follow along. That's how much dick you go through. And the notes are always right. This is the first time it's wrong. What's your body count?

• 28:57Speaker 03

  I don't know. Honestly, I know that's not.

• 29:00Caleb Hammer?

  I don't know mine either. I don't give a... But it is, it's, it's very crazy as a mother of four who just left her husband three months ago and moved her mother in to do the mothering so that you could just go ride dick.

• 29:15Speaker 03

  Actually, I work more than anything.

• 29:16Caleb Hammer?

  Doesn't matter. If we're being honest, if we're being honest.

• 29:19Speaker 04

  She did say she needed a break. But I get it though. If after two years you've been saying, hey, uh, you need help. I mean, I get you need a break.

• 29:29Caleb Hammer?

  Help, that's fine. I mean, everyone needs help on certain things. I don't know. And I get the relationship wasn't perfect and dude wasn't doing what you wanted 100% the way you wanted to do. But let's read this the right way with what's going on and how you are doing things.

• 29:43Speaker 03

  Okay.

• 29:44Caleb Hammer?

  You moved your mother in so you could move out

• 29:49Caleb Hammer?

  and get to the cheek slapped a bit more.

• 29:51Speaker 03

  The moving out was actually something that I didn't know I was gonna do. Uh, because originally, no, originally Malik was supposed to move out.

• 29:58Caleb Hammer?

  Bullshit.

• 29:59Speaker 03

  No, I did not know I was gonna move out. Originally it was supposed to move out.

• 30:02Caleb Hammer?

  Well, okay.

• 30:04Caleb Hammer?

  Stop saying his real name, by the way. We bleeped that, but it's Justin. Either way, the moment you moved her in, you moved out and started getting them cheek slapped.

• 30:11Speaker 03

  Actually, I started working more. I, I ended up moving up positions and started working hella more.

• 30:15Caleb Hammer?

  Girl, we literally just talked about like five guys you're getting interacted with in the last few months. And that are, they're not hookups. They're literally, you just got triple called in this conversation. From a guy saying, you know how much you fucked up my life? Why does he think that?

• 30:29Speaker 03

  Because me and his ex that he was living with at the time that I didn't know about.

• 30:33Caleb Hammer?

  Call him back and ask, ask how you fucked up his life.

• 30:36Speaker 03

  Okay.

• 30:38Caleb Hammer?

  Call him back and be like, how, how did I fuck up your life? You think I fucked up your life? How did I fuck it up?

• 30:43Speaker 03

  All right, let's do that.

• 30:46Speaker 04

  What's his contact name?

• 30:48Speaker 03

  It's F60.08. That's the, uh, medical term and code for narcissistic, uh, behavior.

• 30:58Caleb Hammer?

  Yeah, I'm sure he's the issue.

• 31:03Speaker 04

  It's hard out here for a pimp, ain't it?

• 31:05Speaker 03

  Shit, you telling me?

• 31:08Speaker 03

  He's not answering.

• 31:08Caleb Hammer?

  Give me your phone.

• 31:16Caleb Hammer?

  Alright, we'll get him to call back.

• 31:18Speaker 03

  Oh shit.

• 31:19Caleb Hammer?

  Make sure you're not on Do Not Deserve Good, because we need to hear it when it happens. I will stand guard.

• 31:24Speaker 03

  That works.

• 31:25Caleb Hammer?

  Okay, okay. So what's your current job then, that you're so proud of grinding?

• 31:31Speaker 03

  Uh, so, I just left, actually, last week. I started a new position on Monday.

• 31:36Caleb Hammer?

  Huh?

• 31:37Speaker 03

  I just left. I was a service advisor.

• 31:38Caleb Hammer?

  You just quit your job?

• 31:39Speaker 03

  On Wednesday, yes. Yes, I did. And I started a new one on Monday.

• 31:45Speaker 04

  It's a better job, I suppose.

• 31:46Caleb Hammer?

  What the f**k are we doing, though?

• 31:47Speaker 03

  It pays more.

• 31:48Caleb Hammer?

  Was it lined up when you left?

• 31:50Speaker 03

  Yes, it was lined up when I left.

• 31:51Caleb Hammer?

  Okay, that's fine. So what was the job?

• 31:54Speaker 03

  I was a service advisor.

• 31:55Caleb Hammer?

  What were you making? For Chevrolet.

• 31:57Speaker 03

  Uh, probably about 4,000 a month.

• 32:02Caleb Hammer?

  And now?

• 32:03Speaker 03

  And now, I'll be making about 5. It starts at 32 an hour. So I'm a auto body service area manager, so I just kinda travel to different cities.

• 32:14Caleb Hammer?

  Oh, is the gas reimbursed?

• 32:16Speaker 03

  Uh, they actually give me a vehicle.

• 32:18Caleb Hammer?

  Man, it's reimbursed? Good.

• 32:19Speaker 03

  They give me a vehicle.

• 32:19Caleb Hammer?

  32 an hour is a 40 hours a week?

• 32:21Speaker 03

  40 hours a week.

• 32:25Caleb Hammer?

  Okay, not bad, but Seattle is desperately expensive. Should be more than 5,000 a month, but after taxes, after Bennys, all that good stuff. I'm sure about 4's hitting your account?

• 32:34Speaker 03

  Um...

• 32:35Caleb Hammer?

  4,000 will hit your account a month, just about?

• 32:36Speaker 03

  Yeah, probably, just about.

• 32:38Caleb Hammer?

  What did you do, Justin? You were the breadwinner before... Whatever the f**k... Now you live with her mom. It's weird, okay.

• 32:46Speaker 04

  Yeah, uh, for the time being, but she's gonna end up be moving out eventually, so...

• 32:51Caleb Hammer?

  Is there a plan for that?

• 32:53Speaker 03

  Yes.

• 32:54Caleb Hammer?

  To move the mother out?

• 32:56Speaker 03

  Well, she wants to get her own place eventually, which is fine.

• 32:58Caleb Hammer?

  What's your job, Justin?

• 33:00Speaker 04

  I'm a cook, right now, at a nursing home.

• 33:04Caleb Hammer?

  Yep, they gotta eat. Makes sense. Okay. Well, I mean, I heard that you got in an argument with your HR representative and you just walked out the building.

• 33:12Speaker 03

  I sure did.

• 33:13Caleb Hammer?

  So I don't... Was that job lined up? It doesn't sound like it.

• 33:15Speaker 03

  No, I had already been looking for another job.

• 33:17Caleb Hammer?

  Okay, so the job wasn't even lined up when you walked out?

• 33:19Speaker 03

  No, I had been looking...

• 33:21Caleb Hammer?

  So you moved out, got your own place, abandoned your family, right in dick, and then you left HR after getting in an argument without having something lined up?

• 33:28Speaker 03

  No, I already had the job offers. I already had the job offers. I had been looking for weeks before that for a new job, and I had already had those other job offers. So I was just kind of still there, finishing out the pay period, and... Well, they kind of pissed me off, so.

• 33:43Caleb Hammer?

  Finding a new coworker to, okay.

• 33:47Caleb Hammer?

  What do you make as this cook?

• 33:48Speaker 04

  Uh, right now it's, uh, twenty-two an hour.

• 33:52Caleb Hammer?

  Okay, so definitely not the breadwinner anymore. She's making thirty-two.

• 33:56Speaker 03

  So he makes thirty-four hundred dollars a month. His checks are about sixteen hundred dollars every two weeks. And then he also gets his disability every month, which is four thousand four hundred and forty-seven dollars.

• 34:07Speaker 04

  What do you, yeah.

• 34:09Caleb Hammer?

  Huh? Wait, what was that?

• 34:10Speaker 03

  Four thousand four hundred and forty-seven he gets every month from his disability.

• 34:13Caleb Hammer?

  Disability what?

• 34:14Speaker 03

  VA.

• 34:15Caleb Hammer?

  You're in the military?

• 34:16Speaker 04

  Yeah, I was, yeah.

• 34:17Caleb Hammer?

  Wait, what's, what hits your account? Sorry, for VA?

• 34:19Speaker 03

  Four thousand four hundred forty-seven.

• 34:21Caleb Hammer?

  That's crazy.

• 34:22Speaker 04

  Yeah.

• 34:23Caleb Hammer?

  Four thousand four hundred forty-seven?

• 34:25Speaker 04

  Yeah.

• 34:26Caleb Hammer?

  What did you serve?

• 34:28Speaker 04

  As a, an army.

• 34:29Caleb Hammer?

  Army?

• 34:30Speaker 04

  Yeah.

• 34:30Caleb Hammer?

  Okay, how long did you do?

• 34:31Speaker 04

  Five years.

• 34:32Caleb Hammer?

  Where'd you go?

• 34:33Speaker 04

  I went to Iraq and then.

• 34:35Caleb Hammer?

  We love Iraq.

• 34:38Speaker 04

  It was hot.

• 34:38Caleb Hammer?

  Were you out in the field?

• 34:40Speaker 04

  Uh, some of the time.

• 34:41Caleb Hammer?

  Some of the time? What happened? What's your disability?

• 34:44Speaker 04

  Uh, my back and my neck and stuff like that and my knees.

• 34:48Caleb Hammer?

  What caused it?

• 34:50Speaker 04

  Just time and just like the service and what they, what they would have me do and stuff.

• 34:55Caleb Hammer?

  What were you doing that caused your back and knees to get injured?

• 34:59Speaker 04

  Just when we would do the, like, the marches and stuff like that, all the equipment and stuff like that, using all that shit.

• 35:06Caleb Hammer?

  Wouldn't that be everyone then?

• 35:07Speaker 04

  Yeah, I mean, everyone. Everyone ends up, ends up with shoes when they get out, whether it's five to twenty.

• 35:15Caleb Hammer?

  Okay.

• 35:18Caleb Hammer?

  Hmm, I'm definitely not against disability, despite what clips say. I want veterans to get even more disability when they get disabled.

• 35:27Speaker 04

  Yeah.

• 35:27Caleb Hammer?

  But if we got disabled from.

• 35:30Speaker 04

  Things like that, too.

• 35:31Caleb Hammer?

  Well, people are getting it for acne, but.

• 35:33Speaker 04

  Yeah.

• 35:33Caleb Hammer?

  If we get disability through marching, which every single person in every branch of the military does.

• 35:39Speaker 04

  It's not necessarily just marching.

• 35:40Caleb Hammer?

  Every single person get disability?

• 35:43Speaker 04

  And you, I mean, you would think if they're smart enough to come, to go and, uh.

• 35:46Caleb Hammer?

  Go and get coached on how to get higher percentage ratings?

• 35:49Speaker 04

  Hey, that too. If they're smarter.

• 35:51Caleb Hammer?

  That is a part of it.

• 35:52Speaker 04

  Hey.

• 35:52Caleb Hammer?

  And many people out there aren't even willing to admit that.

• 35:54Speaker 04

  Hey, not necessarily.

• 35:55Caleb Hammer?

  Did you get coached?

• 35:56Speaker 04

  No, not, I didn't get coached. I would, actually wouldn't got seen and I haven't.

• 35:59Caleb Hammer?

  What's your percentage?

• 36:00Speaker 04

  A hundred.

• 36:01Caleb Hammer?

  A hundred?

• 36:01Speaker 04

  Yeah.

• 36:01Caleb Hammer?

  You're a hundred?

• 36:02Speaker 04

  Oh, yeah.

• 36:02Caleb Hammer?

  Okay, okay. For marching?

• 36:05Speaker 04

  It's not just fucking marching.

• 36:07Caleb Hammer?

  Well, what? What happened? Did anything happen?

• 36:10Speaker 04

  I mean, yes and no. Just after my time in service, right? After.

• 36:21Caleb Hammer?

  After your time in service?

• 36:22Speaker 04

  No, I mean, it's a recurring thing. Like after being, I've jumped out of planes and shit. I saw that stuff.

• 36:28Caleb Hammer?

  Did you hit the ground incorrectly?

• 36:33Caleb Hammer?

  Like, people jump out of planes doing skydiving all the time. That doesn't mean they get hurt.

• 36:37Speaker 04

  Yeah.

• 36:38Caleb Hammer?

  Were you getting hurt?

• 36:39Speaker 04

  I got hurt before, and I mean.

• 36:40Caleb Hammer?

  What was your hurt?

• 36:42Speaker 04

  My back and my neck.

• 36:46Speaker 03

  What caused you to get hurt?

• 36:47Caleb Hammer?

  Yes, what caused you to get hurt?

• 36:48Speaker 03

  What actions?

• 36:49Speaker 04

  Oh, I mean, just over time, like after like reoccurring injuries and stuff like that. I don't, I don't.

• 36:55Caleb Hammer?

  What injuries happened?

• 36:59Speaker 04

  It was after, after jumping out, right? I did land wrong a few times. So, I mean, obviously, you're coached on how to do it correctly, but I didn't do it right. So after that, I.

• 37:10Caleb Hammer?

  You didn't do it right?

• 37:11Speaker 04

  I did not.

• 37:12Caleb Hammer?

  But you're a coach to do it right?

• 37:13Speaker 04

  Yes. Hey, doesn't sound right.

• 37:17Caleb Hammer?

  And obviously, you're the one bringing in the gold.

• 37:20Caleb Hammer?

  But I do know that from the notes, your family thinks she's a gold digger.

• 37:25Speaker 03

  Because I had two kids. That's all they knew about me was that I was, he was somebody that he met. He was out of the military. They thought I was after his military money. I didn't even know he was in the military right away or anything about that when I had met him. So they just assumed she's young. She has two kids and she wants his money and his benefits. But lo and behold, it don't really matter because I wouldn't have been able to get it anyways because he was already married.

• 37:51Caleb Hammer?

  Huh?

• 37:52Speaker 03

  Oh, yeah, I found out a month before our wedding.

• 37:55Speaker 04

  It was three months.

• 37:56Speaker 03

  Well, three months, yeah, three months because we had to do it. Three months before our wedding that he was still married.

• 38:00Caleb Hammer?

  So what is this? Why are you fucking her while you're married? And why are you fucking other people while you're married to him?

• 38:04Speaker 04

  Me and her, we weren't.

• 38:05Caleb Hammer?

  You paid it back?

• 38:06Speaker 04

  No. I mean, that's what it looks like, but.

• 38:10Speaker 04

  That's not, we weren't together. We had already separated for like a year.

• 38:13Caleb Hammer?

  You guys do, keep doing these separation things without actually, why don't you guys get to four sever?

• 38:18Speaker 04

  On, on, on my part, I told her that I did and I basically just, I kinda lied, I lied about that shit. And uh,

• 38:27Caleb Hammer?

  Why?

• 38:28Speaker 04

  Because I was like, I, I thought I would be able to get it done, you know, but I, and I didn't. And then,

• 38:36Speaker 03

  No, you didn't. You didn't even try to get anything done. I flat out lied the whole time.

• 38:41Speaker 04

  Because at that point, it was already like,

• 38:43Speaker 03

  We would have went to get our marriage license and we would have been denied because he had still been married. Had his ex not, hadn't called, I wouldn't have known he was still married.

• 38:53Caleb Hammer?

  What?

• 38:55Speaker 04

  Yeah.

• 38:56Caleb Hammer?

  What the? That's insane. Did you guys go open immediately?

• 39:01Speaker 04

  No.

• 39:02Caleb Hammer?

  Why did we go open?

• 39:04Speaker 03

  Um, it was something that we had talked about, something I had done before and I had talked to him about it.

• 39:09Caleb Hammer?

  You've done it before?

• 39:10Speaker 03

  Yes.

• 39:11Caleb Hammer?

  You are a slut, yeah.

• 39:12Speaker 03

  I mean,

• 39:13Caleb Hammer?

  No, we love sluts. I love sluts. I, I love sluts and I am a slut.

• 39:18Speaker 03

  And so I did tell him like, hey, this is something that I like. Plus, I'm, I'm bi. I like girls too. I like girls too. So it was like, you know, at first it kinda just started with females, you know, but after that, you know, we just kinda,

• 39:32Caleb Hammer?

  It's interesting.

• 39:33Speaker 03

  You know, we just decided that we were gonna open it up, you know, he said that he was good with it. I literally asked him.

• 39:38Caleb Hammer?

  And were you actually good with it?

• 39:40Speaker 04

  I think I was, but at the same time, I was still trying to just give her what she wanted, cause I thought,

• 39:44Caleb Hammer?

  That doesn't work. Open relationships honestly can work and they can be a good thing, but both have to actively want it. If one person has a slight hesitation and they're only doing it to please the other person, it will fail every time.

• 39:58Speaker 03

  And that's, I've even asked him like, are you sure this is what you want? I don't wanna do it if it's not what you don't want to do. And his thing was like, well, I, you know, he never actually told me that he didn't wanna do it.

• 40:08Speaker 04

  She made it seem like if, if she didn't want it, if I didn't wanna do it, she's gonna leave immediately.

• 40:12Speaker 03

  How did I make it seem like that? I would have left forever ago. No. It wasn't,

• 40:17Caleb Hammer?

  If you didn't get to go ride other dick, you were gonna leave?

• 40:20Speaker 03

  No.

• 40:21Caleb Hammer?

  Let's get married, produce two kids. Hey, if you don't let me get railed, I'm out.

• 40:26Speaker 03

  No, that's actually not it.

• 40:27Caleb Hammer?

  Is she a slut?

• 40:30Speaker 04

  Yeah.

• 40:33Speaker 04

  I'm not even like.

• 40:34Caleb Hammer?

  I know she's trying to someone while in Texas for the show.

• 40:38Speaker 03

  Who?

• 40:39Caleb Hammer?

  You.

• 40:40Speaker 03

  I'm trying to someone.

• 40:45Speaker 03

  Oh, yeah, no, she's no, she's mad that I don't want to talk to her because I'm not out here. I'll show you right now. She she's upset that I have not reached out to her since I've been out here because she likes me. And I had already told her before I don't see us being together or see us progressing with.

• 41:03Caleb Hammer?

  Fine, show me the texts.

• 41:04Speaker 03

  Okay.

• 41:06Speaker 03

  So this was her today or yesterday, actually upset because I didn't reach out.

• 41:10Caleb Hammer?

  And this is a finance show.

• 41:12Speaker 04

  That's wild.

• 41:16Caleb Hammer?

  Oh, Snapchat, that's how you know it's slut behavior.

• 41:19Speaker 03

  No, save everything.

• 41:20Speaker 04

  Look at her snap score.

• 41:22Caleb Hammer?

  And again, I I'm not saying this is an insult. I am a slut and we love sluts.

• 41:26Speaker 04

  You know, I think I used to be a slut and then.

• 41:29Speaker 03

  Oh, he was.

• 41:30Speaker 04

  And then.

• 41:30Speaker 03

  Cause uh, months before our wedding, uh, we had somebody reach out that he used to fuck around with.

• 41:35Caleb Hammer?

  Last thing, oh, wait, she said, okay, you're upset that I didn't talk to you. I know it wasn't gonna happen. I'm posing, but not on my phone. Fight, fight, fight, fight, fight.

• 41:48Speaker 03

  Yeah, it's you just, you know, we get along, we chat on the phone a lot, like, she's cool.

• 41:52Caleb Hammer?

  You told her you needed weed ASAP.

• 41:55Speaker 03

  Yeah.

• 41:56Caleb Hammer?

  Okay.

• 41:57Speaker 04

  On the finance show is wild.

• 41:59Caleb Hammer?

  Is this you or her?

• 42:00Speaker 03

  That's me. I was showing her my dress I picked out for out here. You don't want to go too far.

• 42:05Caleb Hammer?

  Does she send things?

• 42:06Speaker 03

  Um, no, not really. Cause we FaceTime all the time. We video chat all the time. Like I said, she's.

• 42:12Caleb Hammer?

  Wait, is this?

• 42:13Speaker 03

  No, that's me.

• 42:14Caleb Hammer?

  Does she ever send things? What does she look like?

• 42:17Speaker 03

  Hold on, don't.

• 42:20Caleb Hammer?

  Uh, okay, I won't go further.

• 42:23Speaker 03

  I can show you a picture of her, but.

• 42:26Caleb Hammer?

  Okay, okay, we got a cute dog.

• 42:27Speaker 03

  Oh, yeah, that's my dog.

• 42:29Caleb Hammer?

  Okay, your dog's precious.

• 42:30Speaker 03

  Yeah, he was actually supposed to come, but.

• 42:33Caleb Hammer?

  Oh, what the?

• 42:34Speaker 03

  Yeah, we couldn't fly with him and a baby.

• 42:38Speaker 03

  See if she says-

• 42:39Caleb Hammer?

  Oh, the baby's here?

• 42:40Speaker 03

  I have all my kids out here, yeah. We're all gonna go to New Mexico-

• 42:43Caleb Hammer?

  Where are the-

• 42:44Speaker 03

  With my mom-

• 42:44Caleb Hammer?

  Why?

• 42:45Speaker 03

  At the Airbnb. Well, cuz I have family. It's my grandma's probably last Thanksgiving-

• 42:48Speaker 04

  We have more family out here too, so-

• 42:49Speaker 03

  Yeah.

• 42:50Speaker 04

  We just came back to visit a friend and family too.

• 42:52Caleb Hammer?

  Show me the picture of the woman you're trying to... Okay. Every person that you go for after you've abandoned him is black.

• 43:03Caleb Hammer?

  Which isn't bad, but it is interesting.

• 43:05Speaker 03

  I mean, he's-

• 43:06Caleb Hammer?

  I feel like she's left you for a purebred.

• 43:09Speaker 04

  You know what's crazy?

• 43:11Speaker 03

  Purebred is crazy.

• 43:12Speaker 04

  You know-

• 43:14Caleb Hammer?

  But every picture, though, that she... Every person I've seen in there and everything, it's like she left her mix, dude, for black guys and girls.

• 43:24Speaker 04

  She had the best of both worlds, right?

• 43:25Caleb Hammer?

  Which is not bad, except she... But she's leaving for the full thing.

• 43:29Speaker 04

  Yeah, right, but the full thing comes with other problems.

• 43:34Caleb Hammer?

  What do you mean?

• 43:36Speaker 04

  The drama she's dealing with right now.

• 43:38Speaker 03

  I'm chilling, the-

• 43:40Speaker 04

  That nigga's crazy.

• 43:41Speaker 03

  He is crazy.

• 43:42Caleb Hammer?

  Whoa, can you say that? I think you can only say half that.

• 43:45Speaker 04

  Nope.

• 43:45Speaker 03

  He did.

• 43:46Speaker 04

  I have enough. My dad's full black, so-

• 43:48Caleb Hammer?

  And your mother?

• 43:50Speaker 04

  She's white.

• 43:51Speaker 03

  As hell.

• 43:52Caleb Hammer?

  I think you can say-

• 43:54Speaker 03

  Pasty.

• 43:55Caleb Hammer?

  Let's bring in Tyler.

• 43:59Speaker 06

  I feel like I'm black enough.

• 44:02Caleb Hammer?

  You know him, you love him. He's the favorite, favorite producer of Hammer Media.

• 44:07Speaker 06

  What up?

• 44:07Speaker 03

  Oh my gosh!

• 44:09Speaker 06

  I love y'all.

• 44:10Caleb Hammer?

  So tired.

• 44:11Speaker 06

  What's up, what's up?

• 44:12Caleb Hammer?

  Justin is a half-breed.

• 44:14Speaker 06

  Yeah, I could tell, I could tell.

• 44:15Speaker 03

  The nose and the lips, right?

• 44:16Speaker 06

  Yeah, he look black as fuck.

• 44:18Speaker 04

  Thank you!

• 44:19Caleb Hammer?

  Oh, okay.

• 44:19Speaker 04

  Appreciate you.

• 44:20Caleb Hammer?

  Well, I suggested he can only say half the word.

• 44:22Speaker 06

  No, no, he can say it. He can say it for sure.

• 44:24Speaker 04

  Appreciate you.

• 44:25Speaker 06

  He look like some of my family members for sure.

• 44:27Caleb Hammer?

  Well done, we got the test.

• 44:28Speaker 03

  That's crazy!

• 44:29Speaker 04

  I told you I was invited to the cookout.

• 44:31Caleb Hammer?

  If you wanna know if you can say the N-word, go to CalebHammer.com/N-word, take the assessment, and see where you stand in the world of-

• 44:39Speaker 03

  Again, it's-

• 44:40Speaker 04

  Again, it's crazy.

• 44:41Caleb Hammer?

  Again. N-word? No, we've done racist.

• 44:44Speaker 04

  Oh, okay, yeah, yeah, yeah.

• 44:45Caleb Hammer?

  So, CalebHammer.com/-

• 44:46Speaker 04

  That would be even funnier.

• 44:47Caleb Hammer?

  N-word. That is N-word. See where you stand in the world of-

• 44:52Speaker 04

  Dot work.

• 44:53Caleb Hammer?

  ... say the N-word, and what you need to do to improve your ability to say it.

• 44:57Speaker 06

  Yeah, go ahead, say it, man.

• 44:59Speaker 04

  Nigga?

• 44:59Speaker 06

  Nigga, what up, what? Yes, sir, that's what I'm talking about.

• 45:02Caleb Hammer?

  Me too, me too, right?

• 45:03Speaker 06

  Yeah, yeah.

• 45:04Caleb Hammer?

  What, no?

• 45:05Speaker 03

  No.

• 45:08Speaker 04

  That's funny.

• 45:08Caleb Hammer?

  We have permission for all those ladies and gentlemen.

• 45:12Caleb Hammer?

  Before someone tries to cancel us. Okay, well, okay, well, I gotta get into these finances. And speaking of scores, okay. Well, first of all, okay, I wanna know, how do you guys want me to do this? Are we done?

• 45:22Speaker 03

  I think we're done. Believe me, you don't wanna know. There's so much, it's not.

• 45:27Caleb Hammer?

  No, are you two done?

• 45:28Speaker 03

  Oh, like, for good?

• 45:29Caleb Hammer?

  Am I doing this as a household? Or are we trying to see what this looks like independently?

• 45:34Speaker 03

  So we actually are, have our finances combined, cuz our goal is to just pay shit off. And then it'll minimize.

• 45:41Caleb Hammer?

  Wow, you're so beyond separated. Dude, you're taking it at every hole by every dick besides his. When's the last time you two?

• 45:49Speaker 03

  Uh, yesterday.

• 45:50Caleb Hammer?

  Oh.

• 45:51Speaker 04

  Yeah.

• 45:51Speaker 03

  This wasn't yesterday.

• 45:53Speaker 04

  Not this morning.

• 45:54Caleb Hammer?

  Well done. Well done.

• 45:57Caleb Hammer?

  Proud of you.

• 45:59Caleb Hammer?

  Um, are you on the apps, dude?

• 46:01Speaker 04

  Yeah, kind of.

• 46:02Caleb Hammer?

  We will review his dating app in the post-show with Brandon. We'll bring in the dating app professional Brandon himself, B-Dog11. We'll review it.

• 46:09Speaker 04

  I have been, but I deleted them, so.

• 46:11Caleb Hammer?

  You'll re-download and we'll review. Okay, so, but again, where are we trying to go from here? Are we trying to go separate and independent? Or are we trying to go together?

• 46:20Speaker 03

  We are trying to go separate and independent.

• 46:22Caleb Hammer?

  Okay, then I need to do two, I think, right? What do you mean eventually? Why is it eventually? What's the philosophy now?

• 46:28Speaker 03

  Okay, so the whole thing was, we were going to stay married for, till I finish my, cuz he don't wanna divorce yet. So we agreed, we would stay married, we'd do a year, just kinda figure out, you know, if he got his shit together, if he was willing to learn, stuff like that. I work, I'm going to school full-time, and so, you know, we were like, let's just keep our finances combined.

• 46:50Caleb Hammer?

  Why? Are you okay with this?

• 46:52Speaker 04

  So.

• 46:52Caleb Hammer?

  Does it make sense to you?

• 46:53Speaker 04

  When I, when we originally had this conversation, right? Um, me personally, right? I don't handle a lot of the finances, right? Cuz I suck at it.

• 47:04Caleb Hammer?

  Well, yeah, and honestly, again, I'm not saying you don't deserve the disability, but because you get this permanent income forever, that goes up, you know, every once in a while. You're also not really incentivized to ever learn finances, cuz you don't have to worry. Sure, you could overspend, but you know you're always gonna have money to come in that can save you.

• 47:23Speaker 04

  Yeah, and I kinda.

• 47:24Caleb Hammer?

  You're kind of enabled, in a way. I'm not saying you shouldn't get it.

• 47:27Speaker 04

  Yeah.

• 47:27Caleb Hammer?

  But, okay, guys, is the relationship done?

• 47:32Caleb Hammer?

  Or is it coming back?

• 47:35Speaker 04

  I don't know.

• 47:36Speaker 03

  I mean, we-

• 47:36Caleb Hammer?

  Did you ever try a couple of therapy?

• 47:39Speaker 04

  I brought it up, but she refused it.

• 47:40Caleb Hammer?

  What the is wrong with you?

• 47:42Speaker 04

  She don't want to go to therapy because then they'll make her see what she does.

• 47:45Speaker 03

  First of all, communicate.

• 47:46Caleb Hammer?

  I kind of agree to a certain point. Here's the thing. If you said, "He won't fix anything, you won't fix anything, you won't fix anything, I tell you these things, here's how we communicate." You're not willing to sit down in a professional environment who can help you communicate effectively?

• 47:58Speaker 04

  I think-

• 47:59Caleb Hammer?

  What the is wrong with you?

• 48:00Speaker 04

  I think neither of us are very good at communicating.

• 48:02Caleb Hammer?

  I agree. You're willing to give up, abandon your children, move your mom in with him and move down the road to take other dick? Instead of actually literally talk to a professional? What is wrong with you?

• 48:12Speaker 03

  It's not even just that. It's like-

• 48:13Caleb Hammer?

  Yes, it is. He said no. He said, "He said you brought it up. He said he brought it up and you said no."

• 48:17Speaker 03

  No, that's not how it went. It's not, it wasn't a straight no. It wasn't a straight no. He was required to actually do his own research, find a therapist. He couldn't do any of that. He didn't want to do that. He's so used to letting things just shit happen and I'm the one figuring out, I'm the one planning it, I'm the one saving shit. I'm the one scheduling shit, finding, doing the research.

• 48:40Speaker 04

  I will not disagree with that. She does that. I will not disagree, yeah. I totally do that. And that's just because she's done-

• 48:47Caleb Hammer?

  Why didn't you find someone?

• 48:48Speaker 04

  No, I did find someone.

• 48:49Caleb Hammer?

  Oh, he found someone!

• 48:50Speaker 03

  He did not.

• 48:51Caleb Hammer?

  Who's right?

• 48:52Speaker 03

  I can guarantee he did not because his thing is-

• 48:56Caleb Hammer?

  She's saying you didn't. She's saying you didn't. Rebuttal, rebuttal.

• 48:58Speaker 04

  Honestly, I looked, but I didn't put a ton of effort into it, obviously, because at that time-

• 49:03Caleb Hammer?

  But you found someone.

• 49:04Speaker 04

  I mean, I saw someone. I looked and it was one of the first couple of people I even looked into. I didn't-

• 49:09Caleb Hammer?

  Did you have contact with-

• 49:13Speaker 00

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• 49:42Caleb Hammer?

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• 50:25Caleb Hammer?

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• 51:08Caleb Hammer?

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• 51:43Speaker 04

  No, because I brought it up to someone, I brought, I showed her someone and then she refused.

• 51:47Caleb Hammer?

  Okay, he showed you someone and you refused.

• 51:49Speaker 03

  No, he didn't. No, he did not show me anyone. Because when you look into it, right, I had already told him, you need to find someone then. You're gonna have to figure this shit out. He didn't present anybody to me. And even if he did, let's say he did, right? When you presented it and when you found this person, did you look at anything? Did you look at insurance? Did you look at where they were located? He didn't. He didn't present anyone to me. He didn't present anything to me. That's what he does. He'll be like, oh, I have this idea, or let's do this, or I want to do this. But.

• 52:18Caleb Hammer?

  If he brought someone to you, would you have done couples therapy?

• 52:20Speaker 03

  I would have done it, yes.

• 52:22Caleb Hammer?

  Would she have done it?

• 52:24Speaker 04

  I had told her to go to her own therapy by herself.

• 52:27Caleb Hammer?

  No, no, couples therapy, man.

• 52:28Speaker 04

  I don't believe, I don't know, I don't know. I can't say for sure. Because part of me says she would, part of me says she wouldn't. But at the time, I had told her, you know, hey, you should go to see your own therapy as well. And but she said she didn't want to do that because she couldn't find the therapist.

• 52:43Caleb Hammer?

  I don't know what to do, go into these documents and make in a budget at the end. Because I don't know if you guys are together or not. I know you technically financially are right now. But I don't even know if that makes sense. Because you guys don't even know your future.

• 52:57Speaker 03

  Yeah. I mean, we said we'd give it the.

• 52:59Caleb Hammer?

  Gut check. Gut check, I'm gonna go three, two, one, point. I want you to give me your percentage. To a hundred, hundred percent is we are a hundred percent getting back together. In my gut, zero is we will never. I'm gonna go three, two, one, point, and I want you guys to say at the exact same time, what you think the percentage is from your gut. Or at least of where you want to go, okay? So, three, two, one.

• 53:29Caleb Hammer?

  Okay, so we're both on the side of going together, so I'm gonna do this as combined. Are you surprised to hear seventy percent? Because she's the one that literally packed her bags and left.

• 53:38Speaker 04

  I was, yeah, caught off guard by that, yeah. But I think after being separated for a bit, things have been a little different. We've had. I think so.

• 53:49Caleb Hammer?

  Are you okay with her getting railed? Endlessly.

• 53:52Speaker 04

  Honestly?

• 53:54Speaker 03

  Don't even lie. He said it's turned him on before.

• 53:57Caleb Hammer?

  Ooh.

• 53:58Speaker 04

  Part, you know, cuz I.

• 54:00Caleb Hammer?

  A true cock.

• 54:01Speaker 04

  Not.

• 54:01Caleb Hammer?

  No, no, no.

• 54:02Speaker 03

  It's not a bad thing. Don't think it as like embarrassing or a bad thing.

• 54:06Speaker 04

  No, it's like in the sense of like, if I was having sleep with another chick, it's not like she wouldn't get turned on as well. So it's the same.

• 54:14Speaker 03

  I mean, I'm into girls, so that's a given.

• 54:15Speaker 04

  Yeah, but it doesn't have.

• 54:16Caleb Hammer?

  Uh, but the idea of it turns you on, that.

• 54:20Speaker 03

  I mean, yeah, it didn't bother me. I mean, it was kinda hot.

• 54:23Speaker 04

  So.

• 54:23Speaker 03

  When it happened.

• 54:24Caleb Hammer?

  I mean, a three-way would turn me on, but the.

• 54:27Speaker 03

  But him doing it, I don't care about. I'm not gonna sit there and think about it. Like, it's like, okay, cool. He did it. I'm not gonna sit there.

• 54:32Speaker 04

  No.

• 54:32Caleb Hammer?

  But it turns him on.

• 54:33Speaker 03

  I mean, that's wonderful for him.

• 54:35Speaker 04

  I mean, at the time, because it seemed like she, like,

• 54:41Speaker 04

  at the time it did, but like.

• 54:45Caleb Hammer?

  And you've never cussed corner?

• 54:47Speaker 04

  No, actually.

• 54:51Caleb Hammer?

  I think you should try. I think you like it.

• 54:53Speaker 04

  I don't.

• 54:56Caleb Hammer?

  Well, embrace, embrace your kink.

• 54:57Speaker 04

  What the fuck?

• 54:58Speaker 03

  Embrace your kink.

• 54:59Speaker 04

  That's wild.

• 55:00Caleb Hammer?

  We don't kink shame here. We kink shame a little, but we don't kink shame here.

• 55:05Speaker 04

  That's insane.

• 55:05Caleb Hammer?

  Embrace the cock. I embrace the goon. Embrace the slut.

• 55:10Speaker 04

  The goon is wild.

• 55:12Caleb Hammer?

  We're gooners here.

• 55:13Speaker 04

  It'd be like that sometimes. Sometimes it'd be like that.

• 55:16Caleb Hammer?

  Okay, so then we're gonna do combined. So I'm gonna do another one. Three, two, one. Point on point. I want you to give me what you think your household combined financial score is. Zero to 10, 10 being the absolute best you can think of, zero being the absolute worst. Okay? Three, two, one.

• 55:31Speaker 04

  Five.

• 55:33Caleb Hammer?

  What the? I guarantee you guys are not on the show if you are middle of the road. If you want your Hammer financial score, take the assessment for free. It only takes a few minutes at CalebHammer.com. See what you need to do to improve your finances or where you're already doing well. CalebHammer.com. And if you don't wanna be like a guest who ends up on the show, make sure you download the Dollar Wise Budgeting app at DollarWise.app. Take the free trial, see if you even like it. It is free. And then if you do like it, you can always sign up for the annual version to save a lot of money. And when you do, for only a couple more months, I will personally sign my budget from the cookbook and mail it directly to you. All the links are in the description below. Check those out. Okay, guys, let's jump into these finances in this financial show, financial audit.

• 56:15Speaker 04

  That's insane.

• 56:16Caleb Hammer?

  What?

• 56:17Speaker 04

  The first, this is a finance show. This is more like Springer.

• 56:21Caleb Hammer?

  I told, dude, I, it's full Caleb Springer.

• 56:24Speaker 04

  I'm here for it.

• 56:24Speaker 03

  Caleb Springer is right.

• 56:26Speaker 04

  I'm here for it.

• 56:26Caleb Hammer?

  I love it.

• 56:27Speaker 04

  Bring it back.

• 56:28Caleb Hammer?

  Listen, make finances interesting and more people learn. I vibe with it. Trust me, I love all the finance shows. There's a reason they don't get as many views.

• 56:39Speaker 03

  Very true.

• 56:40Caleb Hammer?

  Which doesn't reach as many people, which doesn't change the lives of as many people. So it works for me. Milestone, what's going on? By the way, combined household income is $11,847 net on a monthly basis.

• 56:51Speaker 03

  12,800 net.

• 56:53Caleb Hammer?

  What?

• 56:53Speaker 03

  Yeah, with my income, his home, child support.

• 56:58Caleb Hammer?

  Okay, 12,800. Okay, milestone. What is going on? Who says this?

• 57:03Speaker 03

  Mine.

• 57:04Caleb Hammer?

  Okay, what's going on?

• 57:06Speaker 03

  I just used it when I went out to travel. I mean, this earlier this year.

• 57:10Caleb Hammer?

  This year?

• 57:11Speaker 03

  Earlier this year.

• 57:11Caleb Hammer?

  Well, abandoning home even more? Who would have thought? Is that someone you want to settle down with forever? Or someone who's always abandoning?

• 57:20Caleb Hammer?

  Okay, wow, we, um, big guy, did you know she owes $909.87 when the literal limit on the car that she's able to spend is $500?

• 57:31Speaker 03

  That's actually because our gym membership continued to take out.

• 57:36Caleb Hammer?

  And we know neither of you are using that.

• 57:38Speaker 03

  Yeah, we stopped going to that gym. We're getting.

• 57:41Caleb Hammer?

  You didn't even have to say it. Okay, so what the, that much? Hundreds? No, what is Doos Crew, Doos Crew, Doos Crew?

• 57:49Speaker 03

  That's the gym.

• 57:50Speaker 04

  That's the name of the gym.

• 57:51Speaker 03

  We haven't been there in over a year.

• 57:52Caleb Hammer?

  What, what, what just happened? Seventy, seventy, 148, 64, 70? All in one day? What the just happened?

• 57:58Speaker 03

  They keep charging me and I contacted the bank.

• 58:01Caleb Hammer?

  That was like a thousand charges.

• 58:02Speaker 03

  That's what I'm saying. That's the gym, like, the membership we were paying was like $300 a month.

• 58:07Speaker 00

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• 58:37Caleb Hammer?

  What the? Look at her gym, isn't it?

• 58:39Speaker 04

  Cause it was like a personal trainer.

• 58:41Speaker 03

  Her each, so $10.

• 58:42Caleb Hammer?

  How long have you guys? When's the last time you've been? Either of you?

• 58:45Speaker 03

  Oh, I went to the gym the other day. I have a French membership. No, not there.

• 58:49Caleb Hammer?

  Did this gym you tit?

• 58:50Speaker 03

  Over a year.

• 58:51Caleb Hammer?

  What the is wrong with you? Why have you not canceled? What is wrong with you?

• 58:53Speaker 03

  I have canceled.

• 58:54Caleb Hammer?

  No, no.

• 58:56Speaker 03

  I tried to reach out to them, yes I have.

• 58:57Caleb Hammer?

  Did you go in?

• 58:57Speaker 03

  Yes, I went in and I've already spoke to the lady.

• 58:59Caleb Hammer?

  And?

• 59:00Speaker 03

  She said that we didn't write like a 30 day notice. So I had to rewrite a 30 day notice, basically.

• 59:06Caleb Hammer?

  Report this to the card.

• 59:07Speaker 03

  I did report it and if you look at the statement, they gave me the money back and then they took it right back out.

• 59:12Caleb Hammer?

  Cancel this ability to charge from that bank to the card. You can. Oh, there's a lot more. Okay, one, Amazon, Parkland Light.

• 59:22Speaker 03

  Electricity.

• 59:22Caleb Hammer?

  Okay, that's electricity, that's fine. There's your cable or internet. That's very expensive though. Payless Smoke in Mart. Friendly nails, let me see.

• 59:31Speaker 03

  Oh, I don't have any right now.

• 59:32Caleb Hammer?

  Mm-hmm.

• 59:33Speaker 03

  I don't have many.

• 59:34Caleb Hammer?

  Amazon Boat Event, going in and getting some bullshit rips? Rips?

• 59:39Speaker 03

  Yeah.

• 59:40Caleb Hammer?

  Fuck you, mother. PayPal, driving. You're a mother and you're smoking. You're morbidly obese and smoking as a mother. What is wrong with you? Don't you want to be around for their graduation?

• 59:53Speaker 03

  I mean, we, we're around, we're here.

• 59:55Caleb Hammer?

  For their graduation, you dumb. What do you think that means?

• 59:58Speaker 03

  Working for a little bit of weed, I'm good.

• 1:00:00Caleb Hammer?

  They're eight. You're ripping and fat.

• 1:00:03Speaker 03

  Yeah.

• 1:00:04Caleb Hammer?

  Just being real, I'm not even trying to insult you. I just want them to literally, listen, it is 10 years until the first one graduates high school. I want you to be there.

• 1:00:12Speaker 03

  Mm-hmm.

• 1:00:13Caleb Hammer?

  You're not gonna be there. You might be there for the first one, I don't know about the one year old.

• 1:00:17Speaker 03

  I mean, I've been going back to the gym and stuff. I've been, I've been sticking to it.

• 1:00:21Caleb Hammer?

  But you're still putting smoke in your lungs.

• 1:00:23Speaker 03

  Yeah, I am. I, we do smoke. I did say I was gonna cut down on weed.

• 1:00:27Caleb Hammer?

  Huh?

• 1:00:27Speaker 03

  I said, we did, we were gonna slow down on weed.

• 1:00:30Caleb Hammer?

  Were gonna slow down, that means you were and then you didn't.

• 1:00:34Speaker 04

  I think we did.

• 1:00:35Caleb Hammer?

  How do you think we did? How does that happen? How do you think?

• 1:00:40Speaker 01

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• 1:01:10Caleb Hammer?

  What? Did you or did you not?

• 1:01:12Speaker 03

  Well, I mean, I don't feel like I've been smoking as much because I work so damn much. I can't be high at work, you know? So I work all the time. So when I get home.

• 1:01:20Caleb Hammer?

  Work all the time? You just walked out of your job. What do you mean work all the time? You work 40 hours a week.

• 1:01:24Speaker 03

  No, not at this new job I will. My old job I was not. I was working like 60 hours a week. I was leaving and getting to work at 7:00 a.m. And I wasn't getting home till like 7:30 p.m. I've.

• 1:01:34Caleb Hammer?

  Seven days a week?

• 1:01:35Speaker 03

  Uh, every day except Sunday.

• 1:01:37Speaker 04

  Six days.

• 1:01:38Speaker 03

  Six days a week.

• 1:01:39Caleb Hammer?

  Yeah, yeah, it's a lot.

• 1:01:40Speaker 03

  I would have to leave my house at 5:45 to get to work.

• 1:01:42Caleb Hammer?

  Over limit fee, 29.9% interest. You're accruing interest like crazy. Okay, Premier Bank card, who's this?

• 1:01:50Speaker 03

  Mine.

• 1:01:52Caleb Hammer?

  Okay, two in a row, that's not good. Okay, we have a balance of 286, which is basically maxed out. Four cents, 13 hour fee. With purchasing of 101. Why are we purchasing on a card that is accruing interest, that is getting fees that you are not able to pay off on a minimum monthly basis? What the [__] is wrong with you?

• 1:02:12Speaker 03

  So we were paying them off on a minimum monthly basis.

• 1:02:14Caleb Hammer?

  Right, you're not. And now you're purchasing on a, why?

• 1:02:17Speaker 03

  Yeah, we.

• 1:02:18Caleb Hammer?

  Why?

• 1:02:19Speaker 03

  Um, so I had used the majority of these cards when I was going out of town. Like I said, at the beginning of the year, I came to New Mexico or went to New Mexico with my kids. I was out there for about a month. I went to Reno. I was out there trying to meet with Pop Warner.

• 1:02:32Caleb Hammer?

  Dude, you don't get to travel everywhere. I'm sorry, even with family, if you cannot afford it, if you're putting your entire family's future into the [__] ground, you don't get to travel. What is wrong with you? How often are you traveling?

• 1:02:44Speaker 03

  Ah.

• 1:02:45Speaker 04

  It was every.

• 1:02:45Caleb Hammer?

  I'm being told you travel constantly.

• 1:02:47Speaker 04

  It was every month, every couple of months.

• 1:02:49Speaker 03

  Month? Yeah.

• 1:02:50Speaker 04

  It was every month, like every couple of months.

• 1:02:53Speaker 03

  A couple of months.

• 1:02:54Caleb Hammer?

  For fuck you, why?

• 1:02:55Speaker 03

  For going to visit family.

• 1:02:57Caleb Hammer?

  But I work all the time. Fuck you.

• 1:02:58Speaker 03

  I wasn't working at that time though.

• 1:03:00Caleb Hammer?

  No shit. You only just started working and you're crying about it.

• 1:03:03Speaker 03

  Yeah.

• 1:03:04Caleb Hammer?

  So I don't want to fucking hear it. Twenty seven and you just started working. Let's be real.

• 1:03:09Speaker 03

  I didn't just start working. I've been working. I just was a stay at home mom for a while. Yeah, when I worked from home, yes, I sure did. I could take my laptop and go. He was traveling with me.

• 1:03:19Caleb Hammer?

  Yeah. How about you actually pay on time? Why are you having late fees? Did you know she's having late fees?

• 1:03:26Speaker 04

  You know, honestly, if there's issues with the bills, I wouldn't know because I didn't even keep track of them.

• 1:03:30Speaker 03

  He doesn't look at any of the finance. He doesn't know anything.

• 1:03:33Caleb Hammer?

  And that's fine that you don't look. No, it's not though, because what I would say is why aren't you making him sit down with you?

• 1:03:39Speaker 03

  I have. Have I not?

• 1:03:41Speaker 04

  We've done that before and.

• 1:03:42Caleb Hammer?

  Why aren't we doing that on a reoccurring basis? Why aren't you pushing for a recurring basis?

• 1:03:46Speaker 03

  I have.

• 1:03:46Caleb Hammer?

  Oh, come on. You could make him.

• 1:03:48Speaker 03

  It's the same. No.

• 1:03:49Caleb Hammer?

  Do it over a meal.

• 1:03:50Speaker 03

  I've even, it is not even a meal. I will literally sit down with my laptop and say, hey, I'm gonna go over bills.

• 1:03:55Caleb Hammer?

  Do it over a meal because I know what you guys like. They're called meals.

• 1:03:58Speaker 04

  So we, so we.

• 1:04:01Speaker 03

  No, we would sit down and he would be on his game and I'd be like, hey, come do the finances with me.

• 1:04:05Caleb Hammer?

  Okay, first, you're trying to take a man from his game.

• 1:04:08Speaker 03

  Okay. He needs to learn the finances.

• 1:04:10Caleb Hammer?

  Speaking of every penis wearing individual out in this world.

• 1:04:16Caleb Hammer?

  The dude was in the middle. He was in the middle of blasting some heads in the new battlefield. He can't take it away. He has to win that match.

• 1:04:24Speaker 04

  So.

• 1:04:24Caleb Hammer?

  He's squatted up. You think that's when you're gonna have a financial conversation? You're setting yourself up for failure. Let's just be real.

• 1:04:30Speaker 03

  The same time every month.

• 1:04:31Caleb Hammer?

  If he was doing it in the middle of you, if he was doing it in the middle of you getting your nails did. You're not gonna just stop. Come on. He's in his hobby. He's in his mindset. Now should you be doing it as much as you are probably not?

• 1:04:43Speaker 04

  No, no, no.

• 1:04:44Caleb Hammer?

  You're blazing it up and you're just ruining your entire future. I will call you out for that. But you think that's the time to do it? Fuck off. Do it over a meal. Make it nice. Make the kid, make mother, watch the kids. We get a shit ton of, I'm guessing McDonald's and we just, no.

• 1:05:00Speaker 04

  Not McDonald's.

• 1:05:01Caleb Hammer?

  Fine. Burger King. Wendy's.

• 1:05:03Speaker 03

  I can't eat beef, so.

• 1:05:05Speaker 04

  She's allergic to beef.

• 1:05:06Speaker 03

  I'm allergic to beef, so.

• 1:05:07Caleb Hammer?

  What, are you getting ice cream?

• 1:05:09Speaker 03

  No, I, like I said, these past few months.

• 1:05:10Caleb Hammer?

  French fries.

• 1:05:11Speaker 03

  Really watching what I eat.

• 1:05:12Caleb Hammer?

  Fried chicken.

• 1:05:14Speaker 03

  No. I don't like.

• 1:05:16Caleb Hammer?

  You're doing something.

• 1:05:18Speaker 03

  Well, so I was bigger.

• 1:05:19Caleb Hammer?

  Crunchy.

• 1:05:19Speaker 03

  I lost, I lost like almost thirty pounds in the past.

• 1:05:23Caleb Hammer?

  And yet you're taking this much dick. It's honestly impressive.

• 1:05:26Speaker 03

  I've just been focusing on that, so.

• 1:05:29Caleb Hammer?

  Good for you, good for you.

• 1:05:30Speaker 03

  We slowed down on eating out, so I ate at my friend's house. They usually make dinner.

• 1:05:35Caleb Hammer?

  What?

• 1:05:36Speaker 03

  Mm-hmm.

• 1:05:37Caleb Hammer?

  Oh, the dick riding friends?

• 1:05:38Speaker 03

  Oh, well, the twins, yes.

• 1:05:41Caleb Hammer?

  Huh?

• 1:05:42Speaker 03

  They're my best.

• 1:05:42Caleb Hammer?

  You're fucking twins?

• 1:05:43Speaker 03

  No, they're twin sisters. They're my best friends. They're the ones that I'm always with.

• 1:05:49Caleb Hammer?

  Over a meal that you both like is when you sit down, don't take the dude from the game, don't take it from her nails. You do it at an appropriate time that makes sense over something you both enjoy that is chill.

• 1:05:58Speaker 03

  For years with it being routine, I sit down every time of the month.

• 1:06:00Caleb Hammer?

  Are you not willing to actually do the thing that I say you should probably try to do?

• 1:06:05Speaker 03

  Well, we've tried it multiple times.

• 1:06:06Speaker 04

  The whole concept is.

• 1:06:07Caleb Hammer?

  Girl, you think you're okay? You think you're the one advocating for something proper? You have a credit score of four seventy-six. What the fuck is that? A credit score under five hundred.

• 1:06:14Speaker 03

  Mm-hmm.

• 1:06:15Caleb Hammer?

  You never even hear about that. You're ruined. You're broken. You ran through. What? I didn't mean that. Yes, I do.

• 1:06:22Speaker 04

  The, the whole concept, I guess, is her feeling like if he wanted to do it, he would do it, but I mean, at the same time.

• 1:06:31Caleb Hammer?

  Even still, does it even matter that he's not sitting down for you to have had three late fees this year so far on this card alone? Three, three. That's him not sitting down? Fuck you. You're having three late fees. The minimum payment is thirty dollars and you've missed that three times this year. What the fuck is wrong with you? Also, you can travel once a month? Fuck off. You're the one that wanted to come on the show. He's never seen it. And we never have people on the show who's never seen it. Glad you at least went through the onboarding process, but you've seen it. Um, you're the one who applied. What do you think so far?

• 1:07:02Speaker 04

  It'll be a good wake-up call for me and for her.

• 1:07:05Caleb Hammer?

  Yeah. Okay. What the fuck is wrong with you? Three late fees that you bitch and moan about him not sitting down? I would too. Come on, you're fucking it up. This isn't him not sitting down.

• 1:07:15Speaker 03

  Yeah. Well, I mean, I'm the one who handles it and honestly.

• 1:07:18Caleb Hammer?

  Handle it? You're not handling it. You're late.

• 1:07:20Speaker 03

  Yeah.

• 1:07:21Caleb Hammer?

  Unlustily, endlessly.

• 1:07:25Speaker 03

  Yeah, that one is the one I'm late and like I said, the charges kept coming back.

• 1:07:29Caleb Hammer?

  The last one was over the limit. Cue. We've looked at two. One was over the limit. Two, the other, the second one had late fees three times this year.

• 1:07:37Caleb Hammer?

  Cue.

• 1:07:39Speaker 03

  Yeah.

• 1:07:39Caleb Hammer?

  Bullshit.

• 1:07:45Caleb Hammer?

  Speaking of which, who's the quicksilver one?

• 1:07:47Speaker 03

  Uh, that's both of us. It's our caper one.

• 1:07:50Caleb Hammer?

  You're both on this?

• 1:07:51Speaker 03

  Yes.

• 1:07:51Caleb Hammer?

  Who opened? Who's authorized?

• 1:07:52Speaker 03

  Uh, actually, I opened and I'm authorized. He's authorized. His parents are authorized.

• 1:07:59Caleb Hammer?

  Your parents are authorized on this card?

• 1:08:01Speaker 04

  They don't have it.

• 1:08:01Speaker 03

  They don't have the card though, but they're authorized.

• 1:08:03Caleb Hammer?

  Why are they authorized?

• 1:08:05Speaker 04

  Cause they, they were, um, struggling at the time and we were trying to help them.

• 1:08:09Caleb Hammer?

  So, uh, credit cards at the, guys, generational fucking mistakes, I'll tell you that. Balance of $316.82, which is over the $300 limit. Glad they give you small limits across these cards, cause you guys can't be trusted for. Minimums of payment 36. I bet it's usually 31. However, minimums of payment 63, sorry. Minimums of payment is normally 31, but, oh, we're late! We're behind! We're fees, interest and purchases. Who purchased? Who purchased? Who has all the Apple bills? Apple, Apple, Apple, Apple, Apple, Amazon? Going against some bullshit? Why? Who is that?

• 1:08:48Speaker 03

  Uh, Amazon is me. Apple, I don't know. I don't.

• 1:08:52Caleb Hammer?

  The fuck is wrong with you guys?

• 1:08:53Speaker 04

  A lot of subscriptions, cause a lot of them we canceled.

• 1:08:56Caleb Hammer?

  A lot of five late fees this year so far on this card. Cue the last card. It's the only card you're late on. Cue. Five, five, five!

• 1:09:03Speaker 04

  The la- I mean, well, damn, I can't.

• 1:09:05Caleb Hammer?

  Open your phone! Give it to me. Give it to me now!

• 1:09:14Caleb Hammer?

  Why is this pussy not texting back yet?

• 1:09:18Caleb Hammer?

  Why is the guy F60.08 saying, "Bring the twins a gift"? You have no idea. Bring the twins a gift of life.

• 1:09:27Speaker 03

  I have no idea.

• 1:09:28Caleb Hammer?

  The fuck does that mean?

• 1:09:29Speaker 03

  What he's talking about?

• 1:09:30Caleb Hammer?

  Okay, let's look at your subscriptions.

• 1:09:34Caleb Hammer?

  Calendars. Why the fuck would you have calendars when you have a calendar? Apple One. Gmail? You need to pay for Gmail?

• 1:09:41Speaker 03

  Yeah, they make me pay for storage.

• 1:09:43Caleb Hammer?

  iCloud Plus is fine.

• 1:09:46Caleb Hammer?

  Hmm, okay, let's see, Amazon. And then pull your phone out, too. Where the look at that shit? Something in the cart already. You have a $900 MacBook Air in your cart. Why?

• 1:09:58Speaker 03

  Well, actually.

• 1:09:59Caleb Hammer?

  He doesn't know this. He doesn't know this. He doesn't know this!

• 1:10:02Speaker 03

  He does know. We had this MacBook conversation.

• 1:10:04Speaker 04

  He said 700.

• 1:10:05Speaker 03

  Well, I stuck it in the cart to save it because I had a sale.

• 1:10:08Caleb Hammer?

  Before taxes, you fuck.

• 1:10:08Speaker 03

  Well, it was on sale, and they don't have it on sale anymore. That's why it's still sitting in the cart.

• 1:10:13Speaker 04

  That's crazy.

• 1:10:15Caleb Hammer?

  You got a small, you got a dog shock collar? Okay, Hassan.

• 1:10:19Speaker 03

  For my other dog. She's older and she barks a lot, my mom said, so.

• 1:10:23Caleb Hammer?

  Why are we shocking dogs?

• 1:10:25Speaker 03

  It has like a vibration thing.

• 1:10:27Caleb Hammer?

  As long as you only use the Vibrate. I do a Vibrate beeper thing.

• 1:10:30Speaker 03

  Yeah, that's what it has. It's like the vibration beeper thing or whatever my mom said, so.

• 1:10:35Caleb Hammer?

  Okay. Uh, Walmart, but that was, oh, a full-length mirror. Trust me, you're gonna need a wider one. King-size floating bed. Won't be floating for long.

• 1:10:49Caleb Hammer?

  Am I doing well? Are these good?

• 1:10:50Speaker 03

  Great.

• 1:10:51Caleb Hammer?

  Uh, TV backlights. Yeah, that's more important than taking care of our kid. That's well done. Plus-size lingerie. Trying to get dick down. Bling USB-C car charger. That's critical. Ring light, fuck you. Phone case, phone case. Little ride robin hood cost.

• 1:11:09Speaker 03

  My daughter's costume.

• 1:11:10Caleb Hammer?

  Oh, thank fuck.

• 1:11:12Caleb Hammer?

  Uh, big TV stand, even though you got a Walmart. It's interesting. Lucas starter, come, Lucas starter, 19026 compatible, something, and then a rug. Yeah, it's just all bullshit. Fuck you. Bullshit. Fuck you.

• 1:11:28Caleb Hammer?

  Now see yours.

• 1:11:31Caleb Hammer?

  Is it open? You gotta open it.

• 1:11:32Speaker 04

  My bad.

• 1:11:32Caleb Hammer?

  I don't know, your password or face?

• 1:11:36Speaker 04

  I don't buy anything really, so.

• 1:11:37Caleb Hammer?

  I'm looking at your subscrib- what, do you have a different Amazon?

• 1:11:40Speaker 04

  No, I don't, I'd never use it. I don't really.

• 1:11:42Caleb Hammer?

  Yeah, I'm looking at, oh, spending's you.

• 1:11:46Caleb Hammer?

  Well, let's see your

• 1:11:50Caleb Hammer?

  subscriptions. Prime Video, another Apple one. HI Dive?

• 1:11:57Speaker 04

  HI Dive's for anime.

• 1:12:01Speaker 04

  What?

• 1:12:02Caleb Hammer?

  Black people and Asians. Spent a lot of money on anime.

• 1:12:05Speaker 04

  Hey, to be fair, I was around before it got popular, so.

• 1:12:10Caleb Hammer?

  Well, it's been popular for a long time.

• 1:12:13Speaker 04

  Well, before it became mainstream, I suppose you would say.

• 1:12:17Caleb Hammer?

  iCloud Plus, that's okay. Universal Remote, I'm glad it's expiring, but what the? He was paying for Tinder December last year.

• 1:12:24Speaker 04

  Yeah.

• 1:12:28Caleb Hammer?

  Okay.

• 1:12:30Caleb Hammer?

  Well, we continue. Okay, who's the Capital One Platinum?

• 1:12:34Speaker 03

  Both of us.

• 1:12:35Caleb Hammer?

  Again, okay.

• 1:12:38Caleb Hammer?

  We owe 32907, I bet the limit's 300. Yes, it is. Wow, we're completely fucked in every way whatsoever. $30 monthly payment, but uh-oh, we're behind and uh-oh, we purchased it. Uh-oh, it's Amazon, which means it's you. So far, you are the problem. He's not looking at shit and that's bad and he needs to be a part of the communication, but the spending and debt is you.

• 1:13:00Speaker 03

  Yeah.

• 1:13:01Caleb Hammer?

  So how can you come in and bitch and moan?

• 1:13:06Speaker 00

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

• 1:13:35Caleb Hammer?

  Too late fees this year. So again, you when you said that was the only card, two cards ago.

• 1:13:42Caleb Hammer?

  What do you think so far looking at this? Cause this is your first time looking at it, which is an issue, but yeah, what do you think so far?

• 1:13:47Speaker 04

  I mean, like I've sat down and I've looked at it, but I, when we do talk about it, I'm gonna be honest, I don't retain the information. So.

• 1:13:54Caleb Hammer?

  Well, yeah, you're.

• 1:13:56Speaker 04

  Yeah, partly.

• 1:13:57Caleb Hammer?

  So am I. It happens, but you just have to keep looking at it. Are you still budgeting that? Why aren't you using Dollar Wise? You get it for free for the rest of your life. So enjoy it, use it. Then you don't have to like sit down and look at shit, but.

• 1:14:09Speaker 04

  Yeah.

• 1:14:10Caleb Hammer?

  Makes it there and easy and digestible.

• 1:14:11Speaker 04

  I think it's because I get lazy and so I refuse to sit down and like.

• 1:14:15Caleb Hammer?

  It's probably because you're fat and smoking weed all the time, dude.

• 1:14:18Speaker 04

  Probably. Wait, well, no, actually.

• 1:14:21Caleb Hammer?

  Yes, we all be lazy with that.

• 1:14:25Caleb Hammer?

  Come on.

• 1:14:27Caleb Hammer?

  I'll let you use the Fizz card. It's a dabber card that builds credit because we do want to build credit. Or maybe you, I don't know, but it only lets you spend what's in your checking account. And I'll get you a course career certification as well of your choice. So that you can find something to kind of, oh, maybe you should get that so that you can get a better job, a more fulfilling career. A lot of people in the audience have used that and they've been able to get a better, better job. So. Uh, okay. American Bank, who's this?

• 1:14:53Speaker 03

  Mine.

• 1:14:55Caleb Hammer?

  You, she's the problem, right?

• 1:14:58Speaker 04

  I'm the problem for not paying attention to it, but.

• 1:15:00Caleb Hammer?

  Sure, but she's the problem for doing everything that I got you.

• 1:15:04Caleb Hammer?

  Right?

• 1:15:05Speaker 04

  Yeah, if I'm being honest.

• 1:15:06Caleb Hammer?

  Thirty-five dollar minimum payment balance, four thirty-four.

• 1:15:11Caleb Hammer?

  Limit of five, at least we're a little under this time, fifteen months to pay off if we do minimum only without purchasing. Oh, there was purchases. Oh, we've had a late fee. Uh, I'm, it looks like every month this year so far. She's been late every month this year so far.

• 1:15:27Caleb Hammer?

  Guys, just real quick, don't forget to take your Hammer financial score at CalebHammer.com. See where you stand, where you gotta do better, where you're doing shit. Listen, it just takes a few minutes and it is free. Figure out where you stand in the world of money, CalebHammer.com. 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. Make Gamer Subs at home for just 25 cents a serving. And honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show, Fat and Fatter.

• 1:16:02Speaker 06

  The number one ranked energy drink is Gamer Subs.

• 1:16:06Speaker 07

  Literally, the cherry flavor is insane.

• 1:16:09Caleb Hammer?

  Listen, you can also get free samples to see if you like it. Or 10% off your order at Gamersubs.gg. Or click that link in the description below, type in code CALEB. What do you think? How's that make you feel?

• 1:16:25Speaker 04

  That we're... And it's pissing me off.

• 1:16:29Caleb Hammer?

  You're pissed?

• 1:16:31Caleb Hammer?

  What pisses you off specifically?

• 1:16:33Speaker 04

  Because I didn't do my part to **** and look at it. So now it's gone to shit. And now it seems like everything is late. And everything is behind or whatever.

• 1:16:45Caleb Hammer?

  What's gonna change?

• 1:16:46Speaker 04

  I'm gonna make sure that I **** and sit down with her so we can do this shit together. This is **** ridiculous.

• 1:16:51Caleb Hammer?

  What now makes you actually want to do that?

• 1:16:53Speaker 04

  The fact that it's late and **** and we shouldn't be almost 30 **** and struggling like that. It's ridiculous.

• 1:17:02Caleb Hammer?

  What do you think when you hear that?

• 1:17:04Speaker 03

  I mean, I figured it was coming, but... I mean, shit, I just kinda left it alone. It was just a lot and I asked him for help and it was whatever.

• 1:17:13Caleb Hammer?

  You're a mother, that's not an option.

• 1:17:15Speaker 03

  But my biggest thing is I want to be able to see the kids experience shit.

• 1:17:18Caleb Hammer?

  Right, no ****. Dude, nothing in there has been kids experiencing shit yet.

• 1:17:22Speaker 03

  We should Amazon everything I purchase.

• 1:17:24Caleb Hammer?

  Buddy, I just went through the Amazon. There was one Halloween costume for them, the rest was you.

• 1:17:28Speaker 03

  Yeah, that's because I have a different Amazon account. I don't know how to get back into my other one, it's linked to my old phone number.

• 1:17:33Caleb Hammer?

  What's wrong with you? And also, it's just last month anyway that we're looking at, so it wouldn't be that case if you're gonna get into it. And this is for Verizon, you got that on a card that you can't pay off, like ****. Okay, what is this? Oh, it's a firm. Wonderful, who's a firm?

• 1:17:48Speaker 03

  Uh, that was mine.

• 1:17:50Caleb Hammer?

  Huh, interesting.

• 1:17:53Speaker 03

  I used a firm when we moved to Washington.

• 1:17:55Caleb Hammer?

  What?

• 1:17:58Caleb Hammer?

  You have a balance on a firm of $2,596.44? Why?

• 1:18:06Speaker 03

  Cause that's what I used to furnish our new house.

• 1:18:08Caleb Hammer?

  Oh, you couldn't go on Facebook Marketplace, you dumb tit?

• 1:18:13Speaker 03

  No, I didn't want to get used couches. That would have been gross.

• 1:18:16Caleb Hammer?

  Clean it. Clean it. Clean it. Clean it. What's your background?

• 1:18:20Speaker 03

  What do you mean?

• 1:18:21Caleb Hammer?

  What's your ethnicity?

• 1:18:22Speaker 03

  I am Navajo and Hispanic.

• 1:18:23Caleb Hammer?

  Clean it!

• 1:18:24Speaker 03

  Nope.

• 1:18:26Caleb Hammer?

  Pull up your affirm.

• 1:18:28Speaker 03

  Oh, I don't have the app anymore.

• 1:18:29Caleb Hammer?

  What is your minimum owed?

• 1:18:32Speaker 03

  That.

• 1:18:33Caleb Hammer?

  That's not your minimum. That's your balance, you.

• 1:18:35Speaker 03

  Oh, I have no idea. I haven't logged into that in over a year.

• 1:18:39Caleb Hammer?

  Oh, it's probably.

• 1:18:46Caleb Hammer?

  One main bright way. Who's this?

• 1:18:50Speaker 03

  That's both of us, but I used it.

• 1:18:56Caleb Hammer?

  So I wanted to, um, you know, I want to kind of clarify how this at least looks so far. Yep, it all. Yes, Ben, for your wishes, your desires.

• 1:19:07Caleb Hammer?

  And then you try to frame this entire conversation as we're because he won't sit down to look at my mess.

• 1:19:13Speaker 03

  No, it's not that we're because he won't look at my mess.

• 1:19:15Caleb Hammer?

  Yes, that is how you try to frame this conversation. And yes, you should be looking, but she framed this as brof because you won't sit down and look at it. What do you need to sit down and look at? Her mess.

• 1:19:27Speaker 03

  I mean, shit, it's spending. We, we, we have income.

• 1:19:30Caleb Hammer?

  Yeah. How do you think you get debt? Yep.

• 1:19:33Speaker 03

  Yep.

• 1:19:34Caleb Hammer?

  You owe on here $585 of credit limit of 550. She's over once again. Who would have thought? Three years to pay off minimum payments only without purchases. Oh, there's purchases. Minimum payment normally I don't, I'm going to say like 30 bucks. I'm fucking. Cause she's behind. Who would have thought like every single time late fee, late fee, late fee, late fee, two years this year so far. Fuck you when he said it's the only card. Dude, what a tit. Verizon again. How do you have Verizon on the last card and then Verizon on this card? Verizon was like $150 on the last card. Verizon's 248 on this card. What the going on?

• 1:20:05Speaker 03

  The phone bill.

• 1:20:06Caleb Hammer?

  On two cards?

• 1:20:08Speaker 03

  Yeah. I mean, I'm just paying with different cards.

• 1:20:14Caleb Hammer?

  What do you think?

• 1:20:17Speaker 04

  What the f- uh, I mean, because me not paying attention when I would ask her about it, you know, how things were get- were going, she would tell me how things were getting paid and I just took her at face value.

• 1:20:30Caleb Hammer?

  You're in a major city, T-Mobile's probably good there. Pay off your phones, switch to Helium Mobile, it's 15 bucks a line.

• 1:20:37Speaker 03

  You said who?

• 1:20:38Caleb Hammer?

  Helium Mobile. There's a shit ton of third-party carriers that use the same towers as one uses T-Mobile's towers. But you have to pay off your phone first, you f- Interested to agree like crazy. Okay, what's Fortiva? I've never even heard of that.

• 1:20:52Speaker 03

  Fortiva is what we use-

• 1:20:53Caleb Hammer?

  Who has Fortiva?

• 1:20:53Speaker 03

  It's both of us. It's what we use to finance our alarm system.

• 1:21:00Caleb Hammer?

  What? Why? Why do you have that?

• 1:21:03Speaker 04

  A couple of people have broken into our cars and stuff.

• 1:21:06Speaker 03

  Our- my car was stolen by my dad.

• 1:21:08Speaker 04

  And then, um-

• 1:21:09Caleb Hammer?

  Is that gonna prevent your car being stolen?

• 1:21:11Speaker 03

  No, but I mean-

• 1:21:12Speaker 04

  No, they've stolen stuff from around our house and stuff like that, so-

• 1:21:15Caleb Hammer?

  Get out of the f- ghetto!

• 1:21:17Speaker 04

  Right.

• 1:21:19Caleb Hammer?

  Well, we also live in a city where the DA doesn't actually prosecute criminals.

• 1:21:22Speaker 03

  They don't care.

• 1:21:23Caleb Hammer?

  Well, yeah, they catch and release. It actually kinda sucks and it really- it shouldn't be a blue or red issue. It should be, hey, believe it or not, if someone commits crime, maybe don't let him right back out on the street every single time, because every single person that commits crime basically has already been arrested for crime three times.

• 1:21:36Speaker 03

  Yeah, they really don't care out there, so-

• 1:21:38Caleb Hammer?

  No, they don't give a f- It's absolutely insane.

• 1:21:40Speaker 04

  The whole recidivism thing all over again.

• 1:21:42Caleb Hammer?

  And that should not be a political issue, guys. It really shouldn't. It really shouldn't. Paying off debt shouldn't be political.

• 1:21:49Caleb Hammer?

  Criminals not just being everywhere should not be political. I don't know what the f- is going on these days. It's kinda crazy. We have one of those in Austin, by the way, as well. Garcia, he's a dumb f- he's a dumb f- I don't care if he's Republican or Democrat. He let someone get shot, um, in the- by the library, who's been arrested like eight times.

• 1:22:06Speaker 04

  What?

• 1:22:07Caleb Hammer?

  Just release, release, release, and he went in the library and killed someone the other day.

• 1:22:10Speaker 04

  Holy shit.

• 1:22:11Caleb Hammer?

  Yeah.

• 1:22:13Speaker 04

  What the hell?

• 1:22:13Caleb Hammer?

  I don't know. It's been proven time and time again that it does not decrease crime.

• 1:22:17Speaker 04

  That's terrible.

• 1:22:17Caleb Hammer?

  Yeah, they just do it.

• 1:22:18Speaker 04

  Jesus Christ.

• 1:22:20Caleb Hammer?

  Thirty dollar minimums to pay him.

• 1:22:24Caleb Hammer?

  Yeah. It's fucking stupid. Just like this, of which you were over the limit of $719.84. With interest accruing, 20 bucks, fees accruing, who would have thought two years to be off?

• 1:22:36Speaker 04

  I had a question for you.

• 1:22:36Speaker 03

  What's up?

• 1:22:37Speaker 04

  What do you think about me seeing this all?

• 1:22:40Speaker 03

  I really don't care. I've tried to show it to you before.

• 1:22:43Speaker 04

  About how? Everything, why about his late and stuff?

• 1:22:47Speaker 03

  Cause I truly don't think you're gonna do anything different.

• 1:22:50Caleb Hammer?

  Think she cares what people think? She gets railed by her coworkers. She gets railed by people that's related to people she knows. She gets railed by everyone. She doesn't care what people think. She's the rail queen. Choo choo.

• 1:23:04Caleb Hammer?

  Those trains get ram.

• 1:23:07Speaker 03

  I mean, I'm. I don't know.

• 1:23:10Caleb Hammer?

  Tell me a train hasn't been run on you.

• 1:23:12Speaker 03

  Oh, no.

• 1:23:13Caleb Hammer?

  Really?

• 1:23:13Speaker 03

  Yeah, no.

• 1:23:14Caleb Hammer?

  Is that true?

• 1:23:16Speaker 04

  I can't say she says no.

• 1:23:19Speaker 04

  So.

• 1:23:20Speaker 03

  No, that's a scary situation right there.

• 1:23:22Caleb Hammer?

  Scary?

• 1:23:23Speaker 03

  Yeah, I'm good.

• 1:23:25Caleb Hammer?

  Hope you're getting tested frequently every three months. Cause again, we love being sluts. And I get tested for being a slut. You gotta get tested.

• 1:23:33Speaker 03

  Oh, yes.

• 1:23:34Caleb Hammer?

  The sports academy? Stupid. Winning got some bullshit? Stupid. Sunnyside Beach? Stupid. You're a broken. Cause I know that's you, not him, right?

• 1:23:44Speaker 03

  Hmm, to a certain extent. I mean, I may swipe the card, but I'm not the only one making fucking purchases.

• 1:23:49Speaker 04

  Like a lot of times when we do make purchases.

• 1:23:51Caleb Hammer?

  Oh, also Dairy Queen McDonald's, McDonald's.

• 1:23:54Speaker 03

  Yep.

• 1:23:54Speaker 04

  Both of us.

• 1:23:55Caleb Hammer?

  Car wash.

• 1:23:57Caleb Hammer?

  Metro Bay T-Mobile?

• 1:23:59Speaker 03

  That was.

• 1:23:59Caleb Hammer?

  Two Verizons and Metro Bay T-Mobile.

• 1:24:01Speaker 03

  I paid a phone bill for my mom.

• 1:24:03Caleb Hammer?

  Dude, you can't afford the [bleep].

• 1:24:07Caleb Hammer?

  And a car wash again.

• 1:24:10Caleb Hammer?

  What the [bleep] are you guys? You live, you live in Seattle! It doesn't snow! You're not in the desert!

• 1:24:16Speaker 03

  Cars [bleep].

• 1:24:17Caleb Hammer?

  Yeah, but not in a dangerous way for the car. Dump a bucket of water out of you, dumb.

• 1:24:22Speaker 03

  No.

• 1:24:22Caleb Hammer?

  Yes!

• 1:24:23Speaker 03

  No.

• 1:24:24Caleb Hammer?

  [bleep] you, die.

• 1:24:24Speaker 03

  It comes with vacuums. I'm good.

• 1:24:27Caleb Hammer?

  Oh, you don't have money?

• 1:24:33Speaker 03

  I mean, we do have left, we have about 5,000 left over every month.

• 1:24:36Caleb Hammer?

  Oh, shut the [bleep] up. You're over the limit and late on everything. Die.

• 1:24:40Speaker 03

  Yeah, we just don't pay for it.

• 1:24:43Caleb Hammer?

  From diabetes.

• 1:24:44Speaker 04

  My diabetes is crazy.

• 1:24:47Caleb Hammer?

  You have diabetes?

• 1:24:48Speaker 03

  No.

• 1:24:50Caleb Hammer?

  You have diabetes?

• 1:24:51Speaker 04

  No.

• 1:24:52Speaker 03

  No underlying health issues, nada.

• 1:24:54Caleb Hammer?

  Uh, world finance, what's going on?

• 1:24:57Speaker 03

  Uh, we had gotten a loan.

• 1:24:59Caleb Hammer?

  We?

• 1:25:01Speaker 04

  Yes.

• 1:25:01Speaker 03

  So, yes, he had gotten a loan.

• 1:25:03Caleb Hammer?

  E, this is yours.

• 1:25:04Speaker 04

  Yeah.

• 1:25:05Caleb Hammer?

  Finally, the first time it's just you.

• 1:25:06Speaker 04

  I have some that are just me, but then...

• 1:25:09Caleb Hammer?

  So this person alone is just you?

• 1:25:10Speaker 04

  Yeah.

• 1:25:11Caleb Hammer?

  Okay, what's it for?

• 1:25:13Speaker 04

  We were, I think we needed it at the time to pay for, um...

• 1:25:18Caleb Hammer?

  To pay for what?

• 1:25:19Speaker 03

  He got that for [bleep] for me.

• 1:25:21Caleb Hammer?

  Huh? A camera lens? For you, so it still comes back to you. Oh my [bleep], what is she doing? What, OF?

• 1:25:29Speaker 03

  No, my photography.

• 1:25:32Caleb Hammer?

  Yeah? Your photography?

• 1:25:35Speaker 03

  Yep.

• 1:25:37Caleb Hammer?

  Yeah?

• 1:25:38Speaker 04

  I'll vouch for that one.

• 1:25:39Caleb Hammer?

  What? She's not making shit from her photography?

• 1:25:42Speaker 03

  Well, that was the goal, and then I started working this new job.

• 1:25:45Caleb Hammer?

  Oh.

• 1:25:46Speaker 03

  So...

• 1:25:48Caleb Hammer?

  Hundred and ninety-three dollars a month and eighty-six cents, which was due seven days ago, at the time of the statement that he didn't do. You [bleep] what the fuck? You make money, you make seven thousand eight hundred forty-seven dollars a month.

• 1:26:02Caleb Hammer?

  You can't pay a hundred and ninety-three dollars? What is wrong with you? Balance two thousand seven hundred and fourteen dollars, who knows what the interest rate is? Probably not good. Wait, you were begging for her to start an OF years ago?

• 1:26:13Speaker 04

  It was a joke, but...

• 1:26:14Speaker 03

  He's still begging me.

• 1:26:15Speaker 04

  It's, it's more of like, I would do it, I think it's, I think it's funny, but I didn't think she, like, it's not serious.

• 1:26:22Caleb Hammer?

  Uh huh, and would people pay?

• 1:26:24Speaker 04

  Oh, I'm sure.

• 1:26:25Caleb Hammer?

  Why are you sure?

• 1:26:27Speaker 04

  I mean, obviously, she's, geez, she's beautiful, so I mean, she, obviously, people would pay, but I mean, like...

• 1:26:32Speaker 03

  He said that before because people would send me money on Cash App.

• 1:26:35Caleb Hammer?

  What the [bleep] why? How are you doing this? How are you doing these things? How are you slaying all this dick? Getting all this money.

• 1:26:43Speaker 03

  They just see my Snapchat. They see my social media. They like my social media. They like me. They send me money.

• 1:26:48Caleb Hammer?

  Social media? What's on your social media?

• 1:26:50Speaker 03

  My Snapchat, my...

• 1:26:51Speaker 04

  Your ass is on your social media?

• 1:26:53Caleb Hammer?

  You're posting your [bleep] ass?

• 1:26:54Speaker 03

  I mean, my outfits. It's not my ass. It's not my fault. My ass is there.

• 1:26:58Speaker 04

  You know how many videos you have of you shaking your ass?

• 1:27:01Speaker 00

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

• 1:27:30Speaker 03

  Lot.

• 1:27:35Caleb Hammer?

  Who's personal loan is this?

• 1:27:38Speaker 03

  That one's mine.

• 1:27:39Caleb Hammer?

  Ay, ay, ay.

• 1:27:42Caleb Hammer?

  Okay, what's $1,342.53 for?

• 1:27:45Speaker 03

  We used that when we went to New Mexico.

• 1:27:47Caleb Hammer?

  Die. Just die. Die. What the [bleep] are we doing, guys? This is so stupid. So [bleep] stupid. Minimum payment, $149.19. Uh, this was eight days past due at the time you were sending these statements in. Also, you're lying. This loan was for a camera.

• 1:28:02Speaker 03

  Was that one for the camera?

• 1:28:04Caleb Hammer?

  I'm being told.

• 1:28:06Speaker 03

  One of them was for a camera. One of them was for our trip. I know we used it to go to New Mexico.

• 1:28:11Caleb Hammer?

  Mexico, dude. Poorer states in the country.

• 1:28:15Speaker 03

  Mexico's bad.

• 1:28:16Caleb Hammer?

  It's the West Virginia of the Southwest. Okay, Credito Real USA. That's a bit racist.

• 1:28:23Speaker 03

  Yeah. They changed it. Now it's FinB.

• 1:28:26Caleb Hammer?

  FinB?

• 1:28:27Speaker 03

  FinB.

• 1:28:28Caleb Hammer?

  FinB.

• 1:28:28Speaker 03

  F-I-N-B-E. FinB. It's weird.

• 1:28:31Caleb Hammer?

  Finbeener?

• 1:28:33Speaker 03

  Probably.

• 1:28:34Speaker 04

  Used to be.

• 1:28:37Speaker 03

  But no, it's changed. It's called FinB now.

• 1:28:39Caleb Hammer?

  You know, the best, best coffee chain up in Michigan used to be a place called Beaners. It was [bleep]. It was great. Then everyone cried and jerked off, even though there's no Mexicans in Michigan.

• 1:28:50Speaker 03

  Damn.

• 1:28:51Caleb Hammer?

  Middle Easterners now. They're everywhere. But I didn't see a Mexican until I moved to Texas.

• 1:28:56Speaker 04

  Jesus, wow.

• 1:28:57Caleb Hammer?

  But they, they changed it to...

• 1:29:01Caleb Hammer?

  See, I can't remember the name of it because they had to change the name from Beaners.

• 1:29:04Speaker 03

  Damn.

• 1:29:04Caleb Hammer?

  It's a shame. Ah, it's a shame.

• 1:29:09Caleb Hammer?

  Would you be offended if you saw a coffee place called Beaners? Cause it's obviously beans.

• 1:29:13Speaker 03

  Yeah, no, I wouldn't be offended.

• 1:29:15Caleb Hammer?

  Yeah, what the f**k is wrong with this world? Everyone's such a pussy.

• 1:29:18Speaker 03

  Everybody gets so offended too easily.

• 1:29:19Speaker 04

  Over everything.

• 1:29:20Caleb Hammer?

  Wait, Toyota Camry? Oh no, the minimum payment is $635.29.

• 1:29:24Speaker 03

  Well, no, no, no. So that was...

• 1:29:26Caleb Hammer?

  Yeah, yeah, yeah, yeah, yeah.

• 1:29:27Speaker 03

  No, that was the monthly payment for the car.

• 1:29:30Caleb Hammer?

  Yeah.

• 1:29:30Speaker 03

  But the car got stolen, got paid off.

• 1:29:33Caleb Hammer?

  Well, I'm crossing this out. So this is dead.

• 1:29:36Speaker 03

  There's still a $3,000 balance on it.

• 1:29:38Caleb Hammer?

  What's the new minimum?

• 1:29:40Speaker 03

  150 a month.

• 1:29:42Caleb Hammer?

  Okay, 150.

• 1:29:47Caleb Hammer?

  3,000 owed.

• 1:29:48Speaker 03

  Mm-hmm.

• 1:29:49Caleb Hammer?

  Car stolen.

• 1:29:55Caleb Hammer?

  More Fortiva.

• 1:29:58Caleb Hammer?

  Close $1,907.61 on a Fortiva credit card, which is maxed out.

• 1:30:03Speaker 03

  Oh, that one's actually retail. The other one was probably a credit card.

• 1:30:06Speaker 04

  That was all for the...

• 1:30:07Speaker 03

  That one's... That one is the camera system.

• 1:30:09Caleb Hammer?

  And it's yours?

• 1:30:10Speaker 03

  The... that one?

• 1:30:12Caleb Hammer?

  Oh, so the past one was yours.

• 1:30:14Speaker 03

  The past one was mine.

• 1:30:14Caleb Hammer?

  I just... what are we doing?

• 1:30:16Speaker 03

  So there's two Fortivas. One's a retail account, one's a credit card.

• 1:30:18Caleb Hammer?

  Ah, $1,807.61.

• 1:30:24Caleb Hammer?

  Five years to pay off, by the way. Minimum payment's only without doing any purchases.

• 1:30:27Speaker 04

  Mm-hmm.

• 1:30:28Caleb Hammer?

  Oh, yeah. Interest, fees, bullshit, two late fees this year. Fuck off. Fuck off. Fuck off. Fuck off. Fuck off. Fuck off. 10% interest renewing and pay up. Fuck off. Fuck off. Fuck off. What? Kia Carnival, do we still have that or was it stolen?

• 1:30:48Speaker 03

  We still have it.

• 1:30:49Caleb Hammer?

  It is? What are you doing? What are you possibly doing, guys? $29,442.49?

• 1:30:56Speaker 03

  Mm-hmm.

• 1:30:58Caleb Hammer?

  What the f**k?

• 1:31:01Caleb Hammer?

  What the fuck?

• 1:31:02Speaker 03

  Yeah, the Kia Carnival, we needed a bigger vehicle.

• 1:31:05Caleb Hammer?

  What do you think it's worth?

• 1:31:07Speaker 03

  Uh, shit, I don't know.

• 1:31:09Caleb Hammer?

  Good news, it's about break even. You're selling this tomorrow and you're getting a $10,000 car. Cause you can get a $10,000 car that has the space you need. Get a van, a mini van.

• 1:31:22Speaker 03

  I mean shit, I'm open to it, but you can't return these and that's gonna be a repo.

• 1:31:26Caleb Hammer?

  Sell, are you dumb? I just said sell it. It is worth what you owe. Sell it, sell it, sell it, sell it. You, what is wrong with you?

• 1:31:35Speaker 03

  Oh shit.

• 1:31:36Speaker 04

  Okay.

• 1:31:37Speaker 03

  Oh.

• 1:31:38Caleb Hammer?

  Good, I'm crossing it out and replacing it with a $10,000 thing. Cause you are selling this tomorrow and it is not a shit. With a, call it a $500 minimum payment.

• 1:31:47Speaker 03

  With a $500 minimum monthly payment?

• 1:31:50Caleb Hammer?

  Yes!

• 1:31:51Speaker 03

  I'm just making sure.

• 1:31:54Speaker 03

  I don't know if we can get rid of the carnival.

• 1:31:56Caleb Hammer?

  Uh, yeah, you sell it, are you stupid?

• 1:31:59Caleb Hammer?

  Stupid? Are you selling the carnival?

• 1:32:02Speaker 03

  We're gonna have to.

• 1:32:03Caleb Hammer?

  Good, I was about to end it if you said no. Good. So I can continue. It's not an option, you guys get it for life.

• 1:32:12Speaker 04

  Jesus Christ.

• 1:32:13Caleb Hammer?

  Global lending services, who owes this? Who is this?

• 1:32:15Speaker 03

  That is both of us, that is for.

• 1:32:17Caleb Hammer?

  Kia Forte.

• 1:32:18Speaker 04

  That's my car.

• 1:32:28Caleb Hammer?

  Yo, $24,299.33, what do you think it is worth, big guy?

• 1:32:32Speaker 03

  Definitely not that.

• 1:32:33Speaker 04

  Definitely not that.

• 1:32:34Caleb Hammer?

  It is definitely not that, what do you think it is worth?

• 1:32:36Speaker 04

  How much did you say, I'm sorry?

• 1:32:37Caleb Hammer?

  Yo, $24,299.33.

• 1:32:41Speaker 04

  It's worth maybe 15,000 to 16,000 if that.

• 1:32:45Caleb Hammer?

  Well, 17.

• 1:32:46Speaker 04

  Okay.

• 1:32:47Caleb Hammer?

  608 a month?

• 1:32:54Caleb Hammer?

  Cash app, 831 is in a balance.

• 1:32:58Caleb Hammer?

  But it goes out every month. Wet, oh, another car wash. Three in a month die. Mattress, Denver mattress?

• 1:33:04Speaker 04

  That was for her, that's for her brother.

• 1:33:07Speaker 03

  We purchased some sheets for my brother.

• 1:33:16Speaker 03

  How much for this?

• 1:33:18Caleb Hammer?

  Three hundred dollars?

• 1:33:25Caleb Hammer?

  Amazon, Amazon, Walmart. Bullshit, bullshit. What do you go, when you go into Walmart and get something for ten dollars, what are you getting? What are you getting?

• 1:33:33Speaker 03

  For something for ten dollars? Usually like a shirt or something, maybe?

• 1:33:36Caleb Hammer?

  Oh, why?

• 1:33:37Speaker 03

  Snacks, I don't know.

• 1:33:38Caleb Hammer?

  Snack, what snack? Fuck you snack.

• 1:33:39Speaker 03

  I don't know, for the kids.

• 1:33:41Caleb Hammer?

  Them. Them, buy them bulk, get Costco.

• 1:33:44Speaker 04

  I don't know why you're doing that. You say fuck kids all the time.

• 1:33:46Speaker 03

  I do say fuck kids, some kids, but I still give those kids everything.

• 1:33:49Caleb Hammer?

  ATM, what? Operator fee, getting some bullshit, getting some, what, did you go into the gas station and get eight dollars and eighty-four cents?

• 1:33:56Speaker 03

  Oh shit, I don't know.

• 1:33:58Caleb Hammer?

  Bullshit, bullshit, bullshit, bullshit, Taco Bell, check of the box, bullshit, fuck you, bullshit, KFC, fuck you.

• 1:34:04Speaker 04

  KFC.

• 1:34:04Caleb Hammer?

  That's racist. Taco Bell, sending out money, Amazon, Cafe Elite, Smokey Car Bro Boiled, sending money, sending money, vending machine, vending machine, what are you getting in the vending machine? For three dollars and twenty-five cents?

• 1:34:16Speaker 03

  Oh, that's my blue Gatorade.

• 1:34:18Caleb Hammer?

  Buy it in bulk? You can buy a bulk of Gatorade for six dollars and you have-

• 1:34:23Speaker 03

  Yeah, but I don't always want it, so sometimes it's just there.

• 1:34:26Caleb Hammer?

  Bring it!

• 1:34:28Speaker 03

  It's convenient.

• 1:34:28Caleb Hammer?

  Bring it! Send it, Taco Bell, send it, send it, vending machine.

• 1:34:35Caleb Hammer?

  Vending machine, check of the box, send it, send it, what is, send it, send it, vending machine, vending machine, you're getting blue Gatorade every ten seconds of your life.

• 1:34:41Speaker 03

  Yeah.

• 1:34:42Caleb Hammer?

  You, is this zero calorie Gatorade?

• 1:34:45Speaker 03

  Huh?

• 1:34:45Caleb Hammer?

  Is this zero calorie Gatorade?

• 1:34:47Speaker 03

  I don't know, it's whatever they have in there.

• 1:34:49Speaker 04

  She don't like the sugar. She don't like the sugar free because it don't taste right.

• 1:34:52Caleb Hammer?

  Elite, KFC!

• 1:34:54Speaker 03

  Yeah, Elite is coffee. That's kind of an every morning thing.

• 1:34:59Caleb Hammer?

  Every morning?

• 1:34:59Speaker 03

  Almost.

• 1:35:00Caleb Hammer?

  Make your coffee at home, you dumb.

• 1:35:03Caleb Hammer?

  And make your energy drinks at home.

• 1:35:05Speaker 04

  Didn't you tell me to make my coffee at home?

• 1:35:05Speaker 03

  I did.

• 1:35:06Caleb Hammer?

  Yes, and make your energy drinks at home as well. Twenty-five cents a serving, I guarantee you, it tastes better than fuck you Gatorade, because you can do the hydration versions as well instead of the energy drink for your version. So take your fuck free samples, get your free samples, link in the description below, type in code HAY, Caleb.

• 1:35:20Speaker 04

  Oh.

• 1:35:21Caleb Hammer?

  And then get your, when you order the flavors, you want the, the nice big packs, twenty-five cents a serving, with ten percent off with my code, link in the description. No more of this dumb shit. Make your coffee at home, make your energy drink at home, that, the hydration version, better than Gatorade, I promise, and it tastes, it seriously is better than-

• 1:35:35Speaker 03

  No, and it really tastes, is that this? Or was that the other?

• 1:35:38Caleb Hammer?

  Well, this is the canned version. There are the powder version.

• 1:35:41Speaker 03

  Yeah, the canned was what we drank. That was good.

• 1:35:43Caleb Hammer?

  Strawberry. Yeah, it's very good. That's Charlie's. Yeah.

• 1:35:45Speaker 04

  Yeah, that was really good.

• 1:35:46Caleb Hammer?

  Bullshit, vending machine, bullshit, sending, sending subway, new cord, payless, smoke mart, die, market bullshit, bullshit, fucking, talk, get ready, talk about olive garden, ah, five dollars in savings.

• 1:36:02Caleb Hammer?

  Bullshit, bullshit, bullshit, bullshit, bullshit, bullshit, bullshit, bullshit. Don't want anything. It's a bullshit across the board. From Walmart.

• 1:36:10Caleb Hammer?

  Bullshit.

• 1:36:13Caleb Hammer?

  Two hundred dollars in here. It's fucking just, it's just check on protection fee overdraft, die, die. Four hundred dollars of overdraft fees to you so far. Ah, what are we doing? We're ruined. We're ruined. We're ruined. We're ruined. This is one of the worst I have seen in a very, very, very, very, very. You write this down? Fuck you. I don't want to look at your budget. You don't know what the you're doing. Four hundred dollars in overdraft fee. I don't want a single.

• 1:36:36Speaker 03

  I had Chad GPT do it for me.

• 1:36:38Caleb Hammer?

  Thing that you do.

• 1:36:39Speaker 03

  I just have Chad GPT do it for me.

• 1:36:41Caleb Hammer?

  Feed Chad GPT. You don't know anything. You can't give an accurate information that you think. Oh, my. Are you kidding me? Are there three more loans?

• 1:36:50Speaker 03

  Yes.

• 1:36:53Speaker 04

  What is school loans?

• 1:36:55Caleb Hammer?

  Concordia, school loans and credit one?

• 1:36:59Speaker 03

  Credit one is your silver card.

• 1:37:09Speaker 04

  I'm about to scream.

• 1:37:10Caleb Hammer?

  Guys. Why?

• 1:37:15Caleb Hammer?

  Why are you doing life the way you're doing it? You're, you've destroyed your kid's future. You're ruined. You're destroyed. This is the.

• 1:37:24Caleb Hammer?

  For a house that makes literally twelve thousand eight hundred dollars a month.

• 1:37:30Caleb Hammer?

  What do you want of your lease?

• 1:37:32Speaker 03

  What are we what?

• 1:37:32Caleb Hammer?

  What do you want of your apartment?

• 1:37:34Speaker 03

  Uh, next.

• 1:37:37Caleb Hammer?

  Oh, next.

• 1:37:38Speaker 03

  June, July?

• 1:37:38Caleb Hammer?

  June, July, die. What are both the rents combined?

• 1:37:44Speaker 03

  Uh, twenty-three forty and thirteen fifty.

• 1:37:48Caleb Hammer?

  I was gonna say. I said combined, you.

• 1:37:49Speaker 03

  Oh, okay.

• 1:37:50Speaker 04

  Thirty-seven, no.

• 1:37:52Caleb Hammer?

  Twenty, twenty-three forty plus what?

• 1:37:54Speaker 03

  So thirteen fifty.

• 1:37:59Caleb Hammer?

  3,690. Both utilities combined, how much?

• 1:38:04Speaker 03

  Uh, utilities combined, we're looking about 400 a month.

• 1:38:07Caleb Hammer?

  And including with internet?

• 1:38:09Speaker 03

  That is with internet.

• 1:38:10Caleb Hammer?

  Phone bills, how much?

• 1:38:12Speaker 03

  $200 a month.

• 1:38:13Caleb Hammer?

  Q, it was more than that, but whatever. Debt payments, let's see, let's find out. What are your student loans? What's your Concordia? What about Credit One?

• 1:38:23Speaker 03

  So, student loans, 10,000.

• 1:38:25Caleb Hammer?

  Yeah, what's the monthly payment?

• 1:38:27Speaker 03

  They haven't given me one yet, because I'm still enrolled.

• 1:38:29Caleb Hammer?

  Starts next summer. Oh, that's right. Okay, what about Concordia?

• 1:38:32Speaker 03

  Uh, Concordia, the monthly payment is like 30 bucks.

• 1:38:36Caleb Hammer?

  Okay, and Credit One?

• 1:38:38Speaker 03

  Credit One is, no, that one is a $2,000 limit, so that one is about 120, 200 sometimes on his.

• 1:38:45Caleb Hammer?

  When you're trading the car and all that shit, you get the new car, 10,000, blah blah blah, your minimum payments are still 1,811.57 cents. Could be a big part of a nice chunky mortgage. Car insurance is how much?

• 1:38:59Speaker 03

  720.

• 1:39:00Caleb Hammer?

  Oh, oh, that's insane. Gas, how much? Vroom vroom, drive, drive.

• 1:39:05Speaker 03

  Uh, probably about 600 a month.

• 1:39:09Caleb Hammer?

  Oh yeah, per car, yeah.

• 1:39:10Speaker 03

  For both of us.

• 1:39:11Caleb Hammer?

  Yeah, you're right.

• 1:39:16Caleb Hammer?

  Should be about 1,000 for groceries, should be okay.

• 1:39:18Speaker 03

  Yeah, that's exactly where it's at.

• 1:39:20Caleb Hammer?

  It'll have to go up the older they get.

• 1:39:23Caleb Hammer?

  Minimum payment, anything you and the kids need to survive, this is tampons, this is makeup, this is school activities, this is whatever, it fluctuates month to month, but we're gonna average it out at about 300. You can save one month, spend six the next. Medical, healthcare, they're cop- what?

• 1:39:35Speaker 03

  It's, it's definitely more than 300 a month.

• 1:39:37Caleb Hammer?

  Q, no, there's not, not anymore.

• 1:39:39Speaker 03

  The kids' haircuts alone are like 200 bucks.

• 1:39:42Caleb Hammer?

  What? Are you, what is wrong with you?

• 1:39:43Speaker 03

  A month!

• 1:39:44Caleb Hammer?

  Go to great clips of every few months, are you stupid?

• 1:39:47Speaker 03

  That, no, I won't change their barber.

• 1:39:49Caleb Hammer?

  Okay, then die. Then I don't give a, if you're not willing to change a barber, then go die on the Walmart floor if you're not gonna change a haircut place. Are you stupid? I'm not gonna deal with this. I'm not dealing with this if you're not changing a barber. What the is wrong with you? You're a mother! Change it!

• 1:40:05Speaker 03

  I get that, but my son is-

• 1:40:06Caleb Hammer?

  300, you're ten, I don't give a-

• 1:40:08Speaker 03

  My son is comfortable with where it's at.

• 1:40:09Caleb Hammer?

  Shut the fuck up, I don't give a shit. I don't give a shit. I don't give a shit! 50 dollars for subscriptions, do you have copays?

• 1:40:17Speaker 03

  No.

• 1:40:18Caleb Hammer?

  On a monthly basis for medical?

• 1:40:20Speaker 03

  No.

• 1:40:20Caleb Hammer?

  Gyms, how much outside of the one that we're gonna be canceling?

• 1:40:23Speaker 03

  Uh, 40 dollars.

• 1:40:26Speaker 04

  You talking about the one you just got?

• 1:40:27Speaker 03

  The one that I have, yeah.

• 1:40:30Caleb Hammer?

  Pets, how much? How many?

• 1:40:32Speaker 04

  We each have a dog.

• 1:40:34Caleb Hammer?

  Age and health. Yours is brand new and healthy. You?

• 1:40:38Speaker 04

  She's about five. She's five, six.

• 1:40:41Speaker 03

  Yes.

• 1:40:42Caleb Hammer?

  Hundred dollars a month for pet insurance, because no way you guys can afford if something happens to that dog and it's not fair to them. Pet food, how much on a monthly basis?

• 1:40:50Speaker 03

  Oh, like fifty bucks. They're small dogs. They don't eat a lot.

• 1:40:54Caleb Hammer?

  This is a minimum survival budget, not a we get to choose the barber we prefer budget. This is a survival budget. Asshole. You are a mother. You have kids to take care of.

• 1:41:09Caleb Hammer?

  Minimum survival budget is nine thousand twenty-one dollars fifty-seven cents. Minimum to survive.

• 1:41:19Caleb Hammer?

  Now, the rent goes down when your lease is done, obviously, because you're moving back in if we are going to be together. Again, we budgeted like we were together.

• 1:41:33Caleb Hammer?

  Your total debt position is ninety-one thousand ninety-three dollars and forty-two. Ninety-one thousand, fuck. Eighty-three dollars, forty-two cents, we're minus in ten thousand student loans. We're minus in... What's the car we're getting rid of?

• 1:41:52Speaker 03

  The Carnival.

• 1:41:54Caleb Hammer?

  Thank... You're minus in thirty-four thousand seven hundred fifty-seven dollars, because you're getting ten thousand on a car. Forty-six thousand three hundred thirty-six thousand forty-two cents of bad debt. I am-

• 1:42:04Speaker 04

  How much? Say that again.

• 1:42:06Caleb Hammer?

  Forty-six thousand- Forty-six thousand...

• 1:42:09Caleb Hammer?

  Three hundred thirty-six thousand forty-two cents.

• 1:42:12Caleb Hammer?

  I am giving you five hundred dollars of BS. If that is for better barbers, it is for better barbers. If it's for going out to eat, it is for going out to eat. If it is seeing family, it is seeing family. BS is five hundred dollars. Okay?

• 1:42:27Speaker 04

  That's fucking it.

• 1:42:30Speaker 03

  Okay.

• 1:42:33Speaker 04

  Five hundred, that's-

• 1:42:37Speaker 03

  Us, it's not even a...

• 1:42:39Caleb Hammer?

  What?

• 1:42:40Speaker 04

  That's not what-

• 1:42:40Caleb Hammer?

  What do you want?

• 1:42:41Speaker 04

  That's not what-

• 1:42:43Caleb Hammer?

  What do you want?

• 1:42:44Speaker 03

  No, I mean, I'm gonna have to deal with it, am I not?

• 1:42:47Caleb Hammer?

  Yeah, no-

• 1:42:48Speaker 03

  I've just, that's, that's, that's a Ross trip-

• 1:42:50Caleb Hammer?

  Shut the f**k up! Gives you an extra $3,200 on a monthly basis.

• 1:42:53Speaker 04

  Did you f**king say a Ross trip?

• 1:42:55Speaker 03

  Yeah.

• 1:42:57Caleb Hammer?

  Divorce her.

• 1:43:01Caleb Hammer?

  With that, $3,200 on a monthly basis, you're out of bad debt and 14 f**k- Which is so beyond worth it. You guys are in a privileged position. If you f**k this up, it's on you, and it's all been on you so far. And you need to sit down and be responsible as well. You need to come together and go to f**k couple's therapy tomorrow! What is wrong with you guys? Then get a fully funded emergency fund and start catching up on retirement because it wasn't retirement, to save our life! Join us in the post-show. We're probably gonna call some more people, like the current boyfriend, and bullshit, bullshit, bullshit, bullshit, bullshit. Listen, oddly enough, I already have someone else's Hammer Financial Score here, but that's not you guys. Let's get the Hammer Financial Score. Spending in a budget, well, let's see. You actually did not spend more than you make, but every- it wasn't going towards that, it was going to bullshit.

• 1:43:43Caleb Hammer?

  So it's still gonna be a 2 out of 10 spending in a budget. Debt, well, it, this is, I mean, come on, you're over the limit, you're collect- it's as bad as it gets without collections. 1 out of 10. Actually, the fund's probably in collections. 0 out of 10, emergency fund, there was nothing in savings. 0 out of 10, retirement, nothing. 0 out of 10, real estate, nothing. 0 out of 10.

• 1:44:00Caleb Hammer?

  Ridiculous. Ridiculous. Such an easy fix, and you guys won't even do- it's what a joke. Buckle down, couple's therapy, budget, 14 months, then 6 months emergency fund. That only takes a few more months to get because you have a lot of f**k money left over. And then your debt minimums, minimums and payments will be 0, I don't want- Then you catch up on retirement, live 50, 30, 20. I'm done. Click that join button, guys. Join Hammer Elite, 3 premium shows posted every single day Monday through Friday, including an extra 20 minutes of this show and every other financial audit, which is called the Financial Audit Post-Show. Make sure you get your Hammer Financial Score at kalebhammer.com. I'll see you in the post-show, I'm gonna f**king die.

• 1:44:34Speaker 03

  A month before our wedding, I get a f**king call and was like, "Hey, I need a cab f**k call me." I said, "What do you want?" She sends me a picture of a baby, and I'm like, "Are you f**k serious?" Then he's like, "Oh no, I never slept with her."

• 1:44:44Caleb Hammer?

  Never slept with your wife?

• 1:44:45Speaker 03

  It wasn't his wife, it was another girl!

• 1:44:47Speaker 04

  I had started talking to this other lady. Yeah, we had sex a couple times, but we didn't, you know, I, you know, we didn't have a kid or anything like that.

• 1:44:54Speaker 03

  You don't know that.

• 1:44:56Speaker 05

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