My 600-Lb. Audit | Financial Audit

*WAIT WAIT WAIT THE CRAZIEST EXPOSE IN FINANCIAL AUDIT HISTORY* I GO THROUGH HER PHONE AND FIND OUT THAT *SHE* IS CHEATING, AND SHE IS MAKING EVERYTHING UP SO THAT SHE CAN KEEP FULL CUSTODY. *This is the most insane post show in history* watch here: https://hamr.link/aee24c *OR* download the brand new Hammer Elite App ➡ https://hamr.link/616517 (discounted annual) 🏆 Dollarwise Referral Games is Live! Earn up to $15 per qualifying referral: https://go.dollarwise.com/joinrefytc 💻 Not a Dollarwise member. Lock in 56% off monthly before October 9th: https://go.dollarwise.com/newstart1 ============================= *Caleb Hammer Financial Resources* ============================= 👉 *PERSONAL LOANS* Shop for the best personal loan for a new purchase, a consolidation, or something else → https://shorturl.at/c53Eg 👉 *DEBT RELIEF* Finally experience relief from your debt once and for all → https://shorturl.at/VbGPv 👉 *CREDIT BUILDER* Got crappy credit? Break free and finally build it for good → https://shorturl.at/zZf2P 👉 *AUTO LOANS* Get the best rates on an auto loan or refinance → https://shorturl.at/vNxQL 👉 *CAR INSURANCE* Find and compare much better AND cheaper car insurance for free → https://hamr.link/ytautolion ============================= 🔥 MY NEW FLAVOR IS FINALLY LIVE!! Get Liquid Assets *NOW* for under 40 cents per serving!! Get 10% off your entire order with code CALEB - https://hamr.link/calebdrank 🔥 Get Your Own *Hammer Financial Score* → https://hamr.link/newquiz ============================= *Education* ============================= 👉 Get access to EVERYTHING I offer all in one place: https://bit.ly/4sUm2pb ⚡Learn how to budget: https://bit.ly/4sspyGh ⚡Learn how to invest: https://bit.ly/41mr8OP ⚡Pay off your debt: https://calebhammer.com/master-your-debt ============================= *Extra Resources* ============================= 👉 Land a high-paying job with no experience or degree: ➡ https://coursecareers.com/CalebHammer 👉 Get FREE MONEY by investing with Public! https://secure.moneymatchup.com/public-caleb 👉 Find the best credit cards for you with my quiz! https://cards.calebhammer.com/yt 👉 Get $20 from Acorns for free: ➡ https://acorns.com/caleb 👉 Helium Mobile: Use promo code CALEB for a FREE plan ➡ https://hellohelium.com/ 👉 Protect your online privacy and security for free with Aura: ➡ https://aura.com/hammer 👉 Checking & Savings: Get up to $350 and 3.75% APY on savings with Chime®: https://secure.moneymatchup.com/-caleb-chime-YT ============================= *Chapters* ============================= 00:00 Intro 01:37 Jobs & Income 05:20 filing for divorce.. cause of a car??? 12:38 bro doesnt remember threatening to unalive himself???? 18:50 nothing is ever her fault!! 22:40 rip mens mental health 25:30 being fat is not her fault : ( 41:30 w blood pressure pull 49:35 he gave her a WHAT??? 01:05:40 conveniently didnt have time to gather incriminating evidence? interesting. 01:13:10 they will garnish his wages... 01:20:00 bullsh*t bullsh*t bullsh*t 01:26:31 Budget!! ============================= Want more content? ============================= 🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips 🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel 🍿 Caleb Hammer Top Videos https://www.youtube.com/@CalebHammerTopVideos ============================= *Connect with me!* ============================= TikTok: https://www.tiktok.com/@calebhammercomposer X: https://x.com/sircalebhammer IG: https://www.instagram.com/calebhammercomposer/ Facebook: https://www.facebook.com/calebhammercomposer/ ============================= *Want to be a guest on Financial Audit?* ============================= 👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply *Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. Sponsorship and business inquiries: [email protected] Learn more about your ad choices. Visit megaphone.fm/adchoices

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

• 0:01Speaker 00

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

• 0:26Speaker 01

  Now, more than ever, we need someone on our side. But Rob Whitman? Whitman's votes drove up costs, cut Medicaid, and risked 350,000 Virginians healthcare to pay for tax breaks for himself and his donors. He's not on our side. Shannon Taylor will fight corruption, cut taxes, and bring down costs. This November, vote for Shannon Taylor. She's for us. Paid for by HMP, the House Majority PAC dot com. Not authorized by any candidate or candidate's committee.

• 0:55Caleb Hammer?

  To watch episodes of Financial Audit a week earlier, check us out on YouTube.

• 0:58Speaker 03

  His mental health had become a complete decline and was threatening to harm himself to where I had to hide all of his weapons in his mom's room and left with our son.

• 1:06Caleb Hammer?

  Hey, how about you actually work in your relationship instead of being like, I'm gonna [bleep] kill myself if you leave.

• 1:10Speaker 03

  I ended up with an STD and I hadn't slept with nobody else but him.

• 1:14Caleb Hammer?

  That's crazy.

• 1:16Speaker 03

  Well, here's the only perfect thing.

• 1:17Caleb Hammer?

  Why accuse him of something? How confident are you in this accusation that was done around a child?

• 1:23Speaker 03

  You literally put your hand down your pants multiple times and were fondling with yourself.

• 1:28Caleb Hammer?

  You have one week left to enter the Dollar Wise Referral Games. Already a customer? Open referrals, grab your link, and start sharing. Earn up to $15 per referral. Get 10 referrals to unlock exclusive swag. And the top five refers win a trip to Austin. And the number one referrer wins the $10,000 grand prize. Not a member? Join now and lock in 56% off for life. This is your last chance to make me your financial sugar daddy. Click the exclusive link in the description below and get in the game.

• 1:57Caleb Hammer?

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

• 2:18Speaker 03

  Hi, my name's Caroline and I'm 25.

• 2:20Speaker 04

  Hi, my name's Derek. I'm 37 and we are from DFW.

• 2:23Speaker 03

  And this is Financial Audit.

• 2:26Caleb Hammer?

  Hey, thanks for coming down from the Dallas area to Austin. Appreciate you guys. Caroline, what do you do for a living?

• 2:33Speaker 03

  Um, I work for a school district as a bus driver.

• 2:36Caleb Hammer?

  Bus driver, okay, interesting. Um, we haven't had a bus driver on the show. What do you make?

• 2:41Speaker 03

  24 an hour.

• 2:42Caleb Hammer?

  Okay, yeah, I mean, that could work in DFW. That actually, that depends on how many hours you get. How many hours do you get?

• 2:48Speaker 03

  Um, as much as I want.

• 2:50Caleb Hammer?

  Yeah, but how many hours do you do?

• 2:53Speaker 03

  So the most I've ever gotten was 50 hours in a week.

• 2:56Caleb Hammer?

  Right, but how many hours do you do?

• 2:59Speaker 03

  I did 48 last week.

• 3:00Caleb Hammer?

  How many hours do you do on average?

• 3:02Speaker 03

  About 89 per paycheck every two weeks.

• 3:06Caleb Hammer?

  Okay.

• 3:07Speaker 03

  Let's just say about 45 hours a week.

• 3:08Caleb Hammer?

  That's your average?

• 3:09Speaker 03

  About average, yes.

• 3:13Caleb Hammer?

  About average? What's your average?

• 3:15Speaker 03

  It ranges from 45 to 48. It just depends on how many extra trips I pick up and...

• 3:19Caleb Hammer?

  So what's your average?

• 3:20Speaker 03

  About 45.

• 3:21Caleb Hammer?

  About 45?

• 3:22Speaker 03

  Yeah.

• 3:22Caleb Hammer?

  Okay, that's an about average. Uh, what is your about average paycheck every time the pay hits?

• 3:29Speaker 03

  Every two weeks. From 16 to $1,900.

• 3:35Speaker 03

  Again, it ranges...

• 3:36Caleb Hammer?

  I will say 1,750.

• 3:38Speaker 03

  Okay.

• 3:39Caleb Hammer?

  Unless you can give me something different. What do I have to work with? You have to give me... Do you know what an average is? It means it averages out. You don't give a range. You just tell me what does it average out across that range? The up and downs?

• 3:49Speaker 03

  My last paycheck was...

• 3:51Caleb Hammer?

  That was not my question. That was really not my question. It really wasn't. I'm gonna let you in on a little secret. It wasn't my question.

• 3:58Speaker 03

  Kinda gathered that. Um, let's just say average about 1,750.

• 4:04Caleb Hammer?

  Okay, we are let's say. That's great. That's, it's good to budget off of a let's say. Um, okay, 3,500, let's say, a month.

• 4:14Caleb Hammer?

  I sure hope we're able to actually budget off of that number in the end. My friend, what do you do?

• 4:21Speaker 04

  I, I do irrigation for a living.

• 4:24Caleb Hammer?

  Okay, sure. What does that even mean?

• 4:26Speaker 04

  I fix sprinkler systems.

• 4:28Caleb Hammer?

  Okay, fix?

• 4:29Speaker 04

  Yes, do repairs or installs.

• 4:32Caleb Hammer?

  Okay, this should be money, I think. We'll see. What do you make?

• 4:36Speaker 04

  $20 an hour.

• 4:37Caleb Hammer?

  Okay, doing less than the bus driver, but... You guys together in DFW are probably doing quite well. How many hours a week are you getting?

• 4:44Speaker 04

  40 hours a week.

• 4:45Caleb Hammer?

  Okay.

• 4:47Caleb Hammer?

  See how he answered that confidently? Like he knew how many hours a week you worked. What's your per paycheck pay, net?

• 4:55Speaker 04

  720 a week.

• 4:57Caleb Hammer?

  Oh, okay. 720 times 52. We'll divide that by 12. Listen, on your guys' own, a little more difficult.

• 5:06Caleb Hammer?

  And also, your net pay makes no sense based off of that, but whatever. If you're too [bleep] to answer a question, I am just gonna go off of the number that is provided. Kind of your consequences to deal with, not mine.

• 5:16Speaker 03

  Well, I always shoot lower just in case.

• 5:18Caleb Hammer?

  Well, no. You actually just budget off of your real number is what you do.

• 5:24Speaker 03

  But it's also the fact that the school year just started. So with, depending on how long your trip takes and all that, your hours fluctuate.

• 5:31Caleb Hammer?

  Just start... Didn't it start two months ago? Aren't you in month three? It's September.

• 5:37Speaker 03

  It's been, we started like mid-August.

• 5:40Caleb Hammer?

  Okay, but it is mid-September. Okay, a month ago.

• 5:42Speaker 03

  Cause it changed from the summer.

• 5:44Caleb Hammer?

  So I call it $6,020, $6,620 net. Maybe it's 1,000 more. I don't [bleep] know. Okay, wow, that took three and a half minutes to figure out, but I'm glad we got there.

• 5:56Caleb Hammer?

  Guys, what's going on?

• 5:57Speaker 03

  Um, well, I'm here because I need to file for a divorce to be able to afford to get a car.

• 6:05Caleb Hammer?

  Yes. You had me in the first half. What? You mean to afford to get a car? That doesn't make any sense. Your dual household income is probably what allows the bills to be paid so you can put more money towards a car. You're filing a divorce just so you can get a car? Make that make sense. Usually people file divorce for other reasons. That must make you feel good that, uh, you're being left for a car.

• 6:23Speaker 04

  Yes, well, unfortunately, my credit is not that great at this point in time.

• 6:27Caleb Hammer?

  Okay, don't have him [bleep] sighing on it.

• 6:30Speaker 03

  Legally, he has to in the state of Texas.

• 6:31Speaker 04

  Yes.

• 6:32Caleb Hammer?

  Oh.

• 6:32Speaker 03

  I didn't know that when...

• 6:34Speaker 04

  We didn't either.

• 6:34Speaker 03

  We moved here. Um, it's a common law state and legally, if I apply for anything or if he applies for anything...

• 6:40Caleb Hammer?

  Are you guys married? Married or common law married?

• 6:42Speaker 03

  No, we're married.

• 6:43Speaker 04

  Married, married. Married in Charleston.

• 6:45Speaker 03

  He has to be on the application. And because of his credit and the debt on it, I cannot get a car.

• 6:51Caleb Hammer?

  Communal property state, meaning debts and assets acquired during marriage can be jointly owned, can be. However, lenders only look at the credit history of the person listed on a specific loan application. Where did you go?

• 7:02Speaker 03

  My original credit union, Desert First Credit. It's based out of Utah. It's a church, um, credit union.

• 7:08Caleb Hammer?

  It's based out of Utah? Cause what I'm seeing here, as long you apply for the auto loan solely in your own name, using your own individual credit and income. No, I think you, I think you're wrong.

• 7:17Speaker 03

  That's not what I was told with the credit union.

• 7:19Caleb Hammer?

  Okay, the credit union in Utah, but okay.

• 7:21Speaker 03

  But they still have to abide by Texas law.

• 7:23Caleb Hammer?

  I'm sure, but...

• 7:27Caleb Hammer?

  Marriage does not merge all credit scores. Does not merge credit scores. Your spouse's bad credit stays on their own credit report and does not lower your own personal credit. We know that.

• 7:36Speaker 03

  Because technically, he's considered a cosigner.

• 7:38Caleb Hammer?

  You can get a car, okay. Apply for a car loan through Calebhammer.com. We got good car loans. We're not gonna [bleep] make you do that shit unless it's like legally required. But what we're finding here, looking this up, is it does not seem to be... I'm gonna like double, double, double confirm.

• 7:53Speaker 03

  Yeah, cause as far as I was told, when I put in the application to get a car, we had been researching and shopping.

• 7:59Caleb Hammer?

  What do you mean you've been researching? What research have you done, researcher?

• 8:01Speaker 03

  For cars, researching what kind of car we need.

• 8:04Caleb Hammer?

  Well, that's different than whether or not he has to be on it.

• 8:07Speaker 04

  And then we've, she's applied for a loan for a couple of different vehicles and they have declined her due to me.

• 8:14Speaker 03

  That's what we were specifically told from the credit union.

• 8:17Speaker 04

  That it's my fault she could not get the loan.

• 8:21Speaker 04

  This is why we decided to file for divorce.

• 8:24Speaker 03

  I will say, when I found out, I, when I get to the point...

• 8:27Caleb Hammer?

  You're being, a car's being chosen over you.

• 8:29Speaker 04

  Yeah.

• 8:29Speaker 03

  It's not even the fact...

• 8:30Caleb Hammer?

  What is the car? Cause you can get a cheaper car. You guys make good money.

• 8:34Speaker 03

  But it's not even the fact of the, just the car.

• 8:37Caleb Hammer?

  You could save up 50% down and you'd probably be fine even with a shitty credit score.

• 8:42Speaker 04

  It's for our kid. He right now is too big for her car.

• 8:46Speaker 03

  See, it's not, it's not just him. It's not just about the car. The, the reason for divorce, yes, the basis is off of a car, but there's so many more issues behind it.

• 8:58Caleb Hammer?

  Behind the car?

• 8:59Speaker 04

  No.

• 8:59Speaker 03

  Behind the divorce.

• 9:00Caleb Hammer?

  Well, [bleep] tell me, cause the divorce is a big decision to make. That impacts everything we're gonna talk about today. No, you're not required. I checked it again. I checked it again in a separate, different one. This is from the CFPB. Consumer Financial Protection Bureau.

• 9:17Speaker 03

  Uh huh, see, but we were told specifically from the credit union.

• 9:20Caleb Hammer?

  Why don't you [bleep] check things up? Maybe it was that bank specifically.

• 9:23Speaker 03

  I have been so specifically busy. I, I mean, I've been managing three, four college classes.

• 9:28Caleb Hammer?

  If you need extra income to qualify, the lender can require him on the loan.

• 9:31Speaker 03

  See, but I even told them that he's...

• 9:33Caleb Hammer?

  That's not a Texas law.

• 9:34Speaker 03

  The fact that he, when I even tried to apply just by myself, I was told I was not allowed to.

• 9:39Caleb Hammer?

  Not allowed to? You probably weren't qualified to. Allowed? I don't think allowed.

• 9:44Speaker 03

  That's what I was told. Because I haven't bought a car in almost seven years.

• 9:49Caleb Hammer?

  There is, there is post-purchase where it becomes a, um, again, presumed communal property in Texas, but that's not getting the loan.

• 9:59Speaker 03

  Right, but they were putting him on there as a, what do they call it?

• 10:02Speaker 04

  Cosigner.

• 10:03Speaker 03

  Yes, a cosigner, but I told them, I didn't, I didn't want him on there as a cosigner.

• 10:07Caleb Hammer?

  You probably don't qualify without his dual income and of which, if they need his dual income, yes, they're gonna require him to cosign. That's not a Texas law.

• 10:13Speaker 03

  To be able to get a car.

• 10:14Caleb Hammer?

  I don't think that is gonna qualify you for the loan all of a sudden, though.

• 10:18Speaker 03

  No, but I can still get a loan because I was told whether...

• 10:21Caleb Hammer?

  You were told wrong? Would you only apply with one bank when you get a loan?

• 10:25Speaker 03

  Yes, because there were the...

• 10:26Caleb Hammer?

  Are you [bleep]?

• 10:26Speaker 03

  No, but...

• 10:28Speaker 05

  Wrong answer, forehead.

• 10:30Caleb Hammer?

  I think so. Usually when you apply for a loan, you apply for a bunch.

• 10:34Speaker 03

  But I don't wanna run my credit. That's the fact.

• 10:36Caleb Hammer?

  Huh?

• 10:37Speaker 03

  I don't wanna run my credit multiple times and it takes a hard hit.

• 10:41Caleb Hammer?

  If you apply for one type of loan, you can apply for many of that type of loan.

• 10:44Speaker 03

  But this was a specific amount for a car. We had done the research, found the car, went to the dealership, got the final number for driving it off the lot, went to the credit union, applied with the specific number and we were told that we did not qualify, no matter the income or not, or the credit score.

• 11:01Caleb Hammer?

  You do not qualify. Cause of your income, regardless of your credit score, yes. That was it. It wasn't a Texas law requiring. They said, hey, your income is not enough for the car that you want.

• 11:13Speaker 03

  But that's, that's the reason that they gave me, was literally the, the Texas common law.

• 11:18Caleb Hammer?

  They were trying to manipulate you, but also go to another [bleep] loan place.

• 11:23Caleb Hammer?

  Again, unlike our website, you're giving me like the perfect plug. I'm not even trying to. We'll give you like a thousand car loans.

• 11:30Speaker 03

  See, but again, I didn't, I had some other financial things that I wanted to get in order before I reapplied again.

• 11:36Caleb Hammer?

  Reapply? What do you mean? Apply to others?

• 11:40Speaker 03

  I understand that, um.

• 11:43Caleb Hammer?

  Okay, so what else is going on? Cause that's the most reason I've literally ever heard to get a divorce. I'm gonna need much more than that before I put my stamp of approval on this.

• 11:52Speaker 03

  Okay, like the other excuse, like not excuses, excuse me.

• 11:56Caleb Hammer?

  Yeah, there's gonna be other reasons. Remember when I just asked, what are the other reasons?

• 12:01Speaker 03

  Yes.

• 12:02Caleb Hammer?

  The answer is, there's other reasons. The answer is whatever the answer is.

• 12:06Speaker 03

  Oh my gosh, where do I start? Let's just start from a year ago when he first moved here. I moved back to, or back to Texas in, um, twenty twenty-five, January of twenty-five. And I had left Charleston for the reason that his mental health had become a complete decline and was threatening to harm himself to where I had to get his mother involved because he didn't want to get professional help, hide all of his weapons in his mom's room and left with our son, who was not even a year old at the time. So I fled Charleston, came to Texas.

• 12:37Caleb Hammer?

  Fly.

• 12:38Speaker 03

  Mm-hmm. Because he was becoming, I don't want to say completely violent, but he was threatening to hurt himself.

• 12:44Caleb Hammer?

  Oh my gosh.

• 12:44Speaker 03

  Who knows what he was gonna do at that point? I had to think about my son and protect him. So I left, came back to where I grew up and went with family and tried to restart.

• 12:55Caleb Hammer?

  Okay, well, let's keep him there then. Well, what was leading you to this fear specifically?

• 13:02Speaker 03

  The fact that there were loaded weapons in the house and.

• 13:05Caleb Hammer?

  People have guns and I have a gun in the house.

• 13:07Speaker 03

  Right, but.

• 13:08Caleb Hammer?

  Glock some bitches if they pull up.

• 13:10Speaker 03

  He was continuously threatening to hurt himself if I left.

• 13:14Caleb Hammer?

  Well, yes, that's scary.

• 13:16Speaker 03

  So I got a.

• 13:17Caleb Hammer?

  What the fuck is wrong with you? What were you doing? Why? Hey, how about you actually work on your relationship instead of being like, I'm gonna kill myself if you leave?

• 13:23Speaker 04

  I was doing shit from my past.

• 13:29Caleb Hammer?

  No one gives a, you're not trying to kill yourself and keep someone there hostage.

• 13:33Speaker 04

  I don't remember ever doing that.

• 13:36Speaker 04

  I don't.

• 13:37Speaker 03

  He did multiple times, to the point where my.

• 13:39Caleb Hammer?

  How is there even disagreement on that? You're, you call him your papa?

• 13:42Speaker 03

  My papa's my grandfather. My, my mother.

• 13:44Caleb Hammer?

  Okay, he's called your grandpa. Very good. So.

• 13:47Speaker 03

  He's literally my papa.

• 13:48Caleb Hammer?

  Grandpa.

• 13:48Speaker 03

  Okay, no. So he got me a hotel and I.

• 13:52Caleb Hammer?

  No, no, no, I don't want to move beyond that. How's there even disagreement on how the fact that that happened?

• 13:57Speaker 04

  I don't remember any of it. I don't.

• 14:01Speaker 03

  He will go through periods in time where he doesn't remember, quote, he, I don't know if he forgets or what, but he just doesn't remember or just pretends to not remember. But he definitely did try to, um, I mean, I'm not going to go to his mom and out him for everything if he's not going to accept professional help. I'm not a, not a professional psychologist. I can't help him with that. He didn't want to try to reach out to get help from anybody. I tried to get him to talk to somebody, whether it was me, his parents or another, and he didn't want to, he refused to. So I said, okay, well, I'm leaving. I packed up my stuff in my car.

• 14:39Caleb Hammer?

  To leave. I'm not arguing that. I'm just still very confused on this man. I'm also very confused how the fuck he's here after all that. I don't think we get back with someone who's like, if you leave, I'm gonna kill myself.

• 14:51Speaker 04

  I did go get help after she left.

• 14:53Caleb Hammer?

  What is get help?

• 14:54Speaker 04

  I went and saw, I went and talked to.

• 14:56Speaker 03

  He claimed that he went and saw a psychologist or a psychiatrist or whatever online, but.

• 15:02Caleb Hammer?

  Okay, which would be good, I guess. It's a good start.

• 15:05Speaker 04

  I did.

• 15:06Speaker 03

  He, I don't believe he actually did.

• 15:08Caleb Hammer?

  Figure out the window, but I knew where FICO scores, uh, in their models. Typically, all auto inquiries within forty-five days count as one. So you could apply to as many as you want. Yes, you would have gotten hard pulls, but it would count as one on your credit. Older score is two weeks. I was trying to get the new rules.

• 15:26Speaker 03

  Okay, well, I was trying to go.

• 15:27Caleb Hammer?

  Things that you don't know. Off of what the bank told you?

• 15:31Speaker 03

  Yes.

• 15:31Caleb Hammer?

  That bank, they're trying to get you.

• 15:34Speaker 03

  I've, I applied for a loan.

• 15:35Caleb Hammer?

  People with their entire thing is to sell you.

• 15:37Speaker 03

  When I was nineteen, got that car loan all by myself and then.

• 15:42Caleb Hammer?

  What a big girl.

• 15:43Speaker 03

  Yeah, no, it was actually pretty great because I had no cosigner.

• 15:46Caleb Hammer?

  Okay, congratulations. You did basic minimum things as an adult. People are fucking going overseas and glocking down some browns at eighteen.

• 15:54Speaker 03

  Well, good for them.

• 15:55Caleb Hammer?

  Exactly. Just who, you applied for an auto loan?

• 15:59Speaker 03

  Yes, so I got an auto loan. So this was at a time in my life where I was stepping away from family. I'd reconnected with my dad after what, thirteen years? And got the car loan and I've driven that car.

• 16:12Caleb Hammer?

  So he got some help or something?

• 16:14Speaker 03

  Yes, he says that he got some help from somebody online. I never asked him specifically what they had talked about, but just checked in to make sure that he was doing better. Cause I told him the one condition is you have one year to.

• 16:26Caleb Hammer?

  You gave him a condition to come back? A guy that was putting a gun in his mouth and said, I'm gonna kill myself if you leave? That's crazy. Go on, maybe you kind of deserve whatever came next.

• 16:35Speaker 04

  No, I never put.

• 16:36Caleb Hammer?

  I don't know what came next. I don't want to hold myself to that standard.

• 16:38Speaker 04

  No, I never once had a gun on me at all and did that.

• 16:43Caleb Hammer?

  But are you threatening to kill yourself? And hurt yourself? Why was he saying that? Was she, was she on her way out?

• 16:51Speaker 03

  No, I wasn't even on my way out yet.

• 16:53Caleb Hammer?

  Why was he saying?

• 16:54Speaker 03

  His sister had passed, how many years now? Three, four years ago?

• 16:57Caleb Hammer?

  Yes.

• 16:58Speaker 03

  Three, four years ago and he refused to get help. And so he never mentally processed.

• 17:04Caleb Hammer?

  That's great, but why were you threatening to kill yourself?

• 17:06Speaker 03

  So.

• 17:07Caleb Hammer?

  If she left when she wasn't even threatening to leave?

• 17:09Speaker 03

  At that point in time, we were living with his mom. We had just had our son in, uh, twenty twenty-four and we had to move in with them when he was about a month old. Um, I, the job that I was at, I couldn't keep. I was physically assaulted.

• 17:23Caleb Hammer?

  What happened?

• 17:24Speaker 04

  She was shoved into a table as she was.

• 17:26Caleb Hammer?

  Huh?

• 17:27Speaker 04

  She was shoved into the table at five months, what, six months pregnancy?

• 17:30Speaker 03

  I was like five or six months pregnant.

• 17:31Caleb Hammer?

  The guy literally came up behind you and went, bah!

• 17:34Speaker 04

  A woman did.

• 17:35Speaker 03

  It was a woman. It was a woman and she still works there.

• 17:37Caleb Hammer?

  Sure, I know.

• 17:38Speaker 03

  I tried going through the cops, I tried going through HR, I tried doing everything I could and then.

• 17:42Caleb Hammer?

  Cameras in there, so clearly they didn't see what you said happened.

• 17:46Speaker 03

  So. They, the, the video footage disappeared. And then the people that saw it, they claimed that they never actually saw it, but after that.

• 17:54Caleb Hammer?

  Why is everyone teaming up against you? I have to start getting a little conspiracy brain at that point.

• 17:58Speaker 03

  I was one of the newer people out of the people that were there.

• 18:00Caleb Hammer?

  So that doesn't almost have to mean the entire world gangs up against you, including the cops.

• 18:05Speaker 03

  They were all mad because I was asking for help, being five or six months pregnant. I was cleaning everything. I was a chef at the time and I was having to move.

• 18:15Caleb Hammer?

  Why the fuck are you getting a job?

• 18:17Speaker 03

  Couldn't afford to do anything.

• 18:18Caleb Hammer?

  That much labor if you're.

• 18:19Speaker 03

  I was already in the job.

• 18:20Caleb Hammer?

  I'm sorry, but if someone gets a job and they're like, I need help, like the moment they get a job, I'm also like, okay, like, what are we doing?

• 18:27Speaker 03

  So it was the fact of that the other shift, so there's three shifts. I was on third shift. They were not, the other two shifts were not helping clean up after themselves. I was having to physically move these like, I don't even know how heavy of fryers to be able to pull and move while I was pregnant.

• 18:42Caleb Hammer?

  That job while you were pregnant?

• 18:43Speaker 03

  I had it before I was pregnant.

• 18:45Caleb Hammer?

  Then you weren't new.

• 18:46Speaker 03

  But I was the newer one.

• 18:47Caleb Hammer?

  Oh, come on.

• 18:48Speaker 03

  Cause there was a new shift change.

• 18:49Caleb Hammer?

  Goalposts, man. What are we doing here? You made it sound like you were brand spanking new.

• 18:55Speaker 03

  I wasn't brand spanking new. I was one of the newer people, but it's the fact that.

• 18:59Caleb Hammer?

  You got the job before you were pregnant and at this point you were five months pregnant. So you've had the job for a while. And in food service, by the way, you being there six months or longer, you're basically the, you're in.

• 19:08Speaker 03

  Food service since I was sixteen.

• 19:10Caleb Hammer?

  Clearly.

• 19:10Speaker 03

  Yeah, it's been actually, it was great and then it ended, thank God, but.

• 19:16Caleb Hammer?

  I'm just gonna, listen, I don't want to fully dismiss what, but this is, I, I, gosh, I immediately start tearing apart people's, what they're saying on the show, cause I always find out people are either bullshitting or over-exaggerating. And the fact is, we went from, I was a new employee to newer and you're over six months there at a minimum. And the camera footage disappeared. No one spoke up. The cops didn't do anything. Like the entire world, except for you, was against you and you're already pushing the goalposts on how new you were? It makes me question. I don't want to question. Cause pushing a pregnant bitch is a bad thing. Shouldn't do that. That's a no-no. Big against. You're making it hard to believe.

• 19:58Speaker 03

  Okay, so when I first, let me start from the beginning. When I first started there, I was working, I was in college. I was enrolled at Charleston Southern University, fighting to get financial aid for college. I had gotten fired from my previous job because they, they claimed that they wanted to, that they would work with my college schedule. And then they decided that they didn't want to work with it because it was too difficult and then they, um, uh, what the?

• 20:28Speaker 03

  Oh.

• 20:30Speaker 03

  Um.

• 20:31Caleb Hammer?

  Bro's going cross-eyed at me.

• 20:33Speaker 03

  I used to make fun of him for it all the time. Still do, actually.

• 20:36Caleb Hammer?

  It's a thing.

• 20:36Speaker 03

  Pretty funny. I was enrolled trying to get financial aid. This job didn't want to work with my, my college schedule, so.

• 20:43Caleb Hammer?

  You're not entitled to them to.

• 20:45Speaker 03

  No, which I wasn't mad at them for it, but it was a little frustrating.

• 20:48Caleb Hammer?

  Are you guys getting victim mentality from her yet?

• 20:50Speaker 03

  I went and got the job as a entree chef at, um, a airline company in Charleston.

• 20:57Caleb Hammer?

  Ah, you typically get fired for eating all the food you're supposed to prepare.

• 21:00Speaker 03

  I literally was not eating all the food.

• 21:02Caleb Hammer?

  It was a fat job, go on.

• 21:03Speaker 03

  Yeah, I know. I could give you the same.

• 21:05Caleb Hammer?

  We are not on the same level. Continue.

• 21:07Speaker 03

  Okay, uh, are you sure about that?

• 21:08Caleb Hammer?

  Yes, I could fit within your fucking under chin. Go on.

• 21:13Speaker 03

  I would agree, yeah, okay. Agree to disagree on that one.

• 21:18Caleb Hammer?

  You agree to disagree? You're so fat. You basically have AIDS on the side of your fucking temple from all the grease that's pouring out of your face.

• 21:24Speaker 03

  That's just called sweat. It's really hot in here.

• 21:26Caleb Hammer?

  I don't think that AIDS develops from a little bit of sweating within thirty minutes.

• 21:33Caleb Hammer?

  Good one. I'm rubber or glue. Fantastic preschool argument. Continue. So you're a victim in college.

• 21:40Speaker 03

  So before you turn twenty-five, FASDA does not consider you an adult. So you have to produce letter on top of letter on top of letter, stating that you are a financially independent adult.

• 21:53Caleb Hammer?

  To be clear, what literally all of us did in college. Very good. Everyone, millions a year.

• 21:59Speaker 03

  That's if your parents do not provide.

• 22:06Caleb Hammer?

  I have to ask, do I care about this? Does this impact anything?

• 22:09Speaker 03

  It just impacts the fact that now I'm in college. It I delayed, it got delayed till I was 25 because I could not get them.

• 22:15Caleb Hammer?

  Use of 10 minutes. Okay. So what are the reason? Uh, yeah, dude threatened to kill himself. That's a pretty good reason for divorce. So you moved from South Carolina or somewhere.

• 22:27Speaker 03

  Charleston.

• 22:27Caleb Hammer?

  Love Charleston, great city. Difficult for you, it's a walkable city, so.

• 22:32Speaker 03

  It's actually not that bad. You might try it sometime.

• 22:35Caleb Hammer?

  Um, I just said, I like it.

• 22:36Speaker 04

  So her papa, her papa contacted me or grandfather contacted me to move out, to move her out there. So I did. I, of course, you know, being the person, I paid for everything to get her out here. I paid for everything. Why? She was out here.

• 22:50Speaker 03

  After you cried.

• 22:51Speaker 04

  I paid for her to go to California.

• 22:53Caleb Hammer?

  I think he was going through depression.

• 22:55Speaker 04

  Yeah, I know. That's not a thing with her.

• 22:57Caleb Hammer?

  Cry?

• 22:57Speaker 03

  And then I paid. But it's just the fact of like, he literally fought and created arguments, trying to defend the fact that he was starting to hurt himself, trying to keep me there and guilt trip me and manipulate me into staying.

• 23:07Caleb Hammer?

  Yeah, that's not a good thing. I'm not on his side, but I think, um, can a man not cry once?

• 23:12Speaker 04

  Yeah.

• 23:12Speaker 03

  No, you can't. Okay. That's okay. Let's, let's talk about men's mental health for just a second. Okay?

• 23:18Caleb Hammer?

  Yeah, that's really.

• 23:18Speaker 03

  One thing with him, I've always told him that, share your feelings with me. Tell you how you feel. I can't, I can't read your mind. If something is wrong, you need to tell me. If you need to tell me, I don't know, if you're upset about your sister, cry about it, but don't bottle it up and, and let a, a anger explosion happen later. Which exactly what happened in January of 25. The fact that I left because he kept building all these emotions up, not listening.

• 23:47Caleb Hammer?

  We've already established that was bad.

• 23:49Speaker 03

  Right. But it's also the fact, so let's back up a little bit after we had moved in.

• 23:53Caleb Hammer?

  She, she does nothing but move forward.

• 23:56Speaker 03

  Yeah, just listen. So after I had my son.

• 23:59Caleb Hammer?

  For you to roll down a hill than go up, all right? I will literally pay you to help your friend save money. And that's crazy. This is your one chance to make me your financial sugar daddy. So listen up. Now the wise is now live on your phone and live on the web and the referral games are officially on. Already a customer? Open referrals, create your username, grab your link.

• 24:22Speaker 00

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

• 24:47Caleb Hammer?

  And start sharing, earn up to $1,500 in rewards and 10 referrals unlock exclusive swag. Finish in the top five and you're guaranteed a trip to Austin to meet me, plus $500 towards your debts. Finish number one and you'll get all of that plus the $10,000 grand prize. Now remember, get 20% off the annual plan for $79.99. That is literally less than $7 a month. The launch offer and referral games are only up for a limited time. After that, financial sugar daddy Caleb is gone. Click the link in the description below and get in the game. Guys, you've known me since the beginning and the fact is I just love building products that help people and we're continuing to do that with the Caleb Hammer Financial Services.

• 25:28Caleb Hammer?

  Listen, now you got personal loans that you can get the best rates on forever you want to use it for, whether it's consolidation, do you change your behavior? Or you need to purchase something that gets a good return on investment. And now we got credit building as well. You can shop for the best credit builders that are either free or low cost to you and build that credit. We got debt forgiveness and debt consolidation as well. We got auto loans for your new car that are great rates. Or you can refinance a horrible auto loan today. And not only that, now you can shop for the best car insurance out there. The thing is, we are building more and more of these to help you get the best tools and services that you can possibly get online at the best rates.

• 26:06Caleb Hammer?

  So check those out at Calebhammer.com. All those links are below in the Caleb Hammer Financial Services. Check them out. Save yourself a lot of money.

• 26:14Speaker 03

  After I had my son in June of 24, we had to move in with my, my in-laws in July of 25.

• 26:23Caleb Hammer?

  You guys had a kid?

• 26:24Speaker 04

  Yes.

• 26:24Speaker 03

  Yes.

• 26:25Caleb Hammer?

  How many?

• 26:25Speaker 03

  Just one.

• 26:25Speaker 04

  One.

• 26:26Caleb Hammer?

  What's the age?

• 26:26Speaker 03

  He's two.

• 26:27Caleb Hammer?

  It's always impressive that.

• 26:29Speaker 03

  What's impressive?

• 26:30Caleb Hammer?

  The larger folks are able to do that.

• 26:34Speaker 03

  Well, you know, have you ever taken a biology class?

• 26:37Caleb Hammer?

  Yes, and obesity severely.

• 26:40Speaker 03

  I have, I literally have a health condition that's keeping me from being able to lose weight and they won't surgically operate.

• 26:48Caleb Hammer?

  It is every woman on the show never misses a beat. Never misses a.

• 26:54Speaker 03

  But it's actually true. Would you like to see the proof of it? I literally have a tumor on my adrenal gland that is overproducing cortisol in my body, causing a bunch of issues. But my doctors, when I had my appendix removed.

• 27:07Caleb Hammer?

  Together?

• 27:08Speaker 03

  Yes.

• 27:08Caleb Hammer?

  Very good. What's her breakfast?

• 27:10Speaker 04

  She doesn't eat breakfast.

• 27:11Speaker 03

  Coffee.

• 27:12Caleb Hammer?

  Okay, what's in your coffee?

• 27:14Speaker 03

  Sugar-free creamer and that's it. That's all I do.

• 27:16Caleb Hammer?

  Coffee and sugar-free creamer.

• 27:17Speaker 03

  Uh huh.

• 27:18Caleb Hammer?

  Very good.

• 27:18Speaker 03

  Sometimes a protein bar.

• 27:20Caleb Hammer?

  Oh, oh, okay. What's the protein bar?

• 27:22Speaker 03

  It's the Quest one. I think it's got, the, I don't know, it's Quest.

• 27:26Speaker 04

  Her lunch?

• 27:27Caleb Hammer?

  What flavor of Quest?

• 27:28Speaker 03

  The, the cookie that one. What? Do you not like them? Have you ever had them? What do you have for breakfast? Actually, I'm curious.

• 27:36Caleb Hammer?

  Uh, oatmeal.

• 27:38Speaker 03

  Yeah. What do you put in your oatmeal?

• 27:39Caleb Hammer?

  It's the, uh, low sugar, uh, brown sugar.

• 27:42Speaker 03

  Huh? Are you sure it's low sugar?

• 27:43Caleb Hammer?

  Yes, that's what's on the packet. I can read.

• 27:45Speaker 03

  Extra butter?

• 27:46Caleb Hammer?

  So what?

• 27:47Speaker 03

  Her lunch, her lunch. I don't know what lunch is.

• 27:49Caleb Hammer?

  Oatmeal and you think butter?

• 27:50Speaker 03

  What? You don't put your butter and but butter in your oatmeal?

• 27:53Caleb Hammer?

  Oh, you're fat. What's her, what's her?

• 27:55Speaker 03

  So are you, bro?

• 27:56Speaker 04

  I don't know what her lunch is actually.

• 27:58Caleb Hammer?

  Dude, you live with her. I'm gonna need, I'm gonna need this to be sussed out because bitch just did the classic woman on financial audit. I can't lose weight. It's impossible.

• 28:07Speaker 04

  No, but so.

• 28:08Speaker 03

  Didn't say it's impossible. I just said it's making it a lot harder right now.

• 28:12Caleb Hammer?

  I have a glandular problem.

• 28:15Speaker 04

  Her schedule is different than mine.

• 28:17Speaker 03

  That is causing a bunch of issues.

• 28:19Caleb Hammer?

  Make it more difficult, but guess what? If you consume less calories than you expunge.

• 28:22Speaker 03

  And I am. I'm doing the steps that I can to try to.

• 28:27Speaker 04

  She does.

• 28:27Caleb Hammer?

  That you can.

• 28:28Speaker 03

  I work 45 to 50 hours a week. Plus I do about 20 to 30 hours in college. Plus I'm raising a two-year-old. Plus I'm having to take care of a household by myself.

• 28:37Caleb Hammer?

  How does that make you eat more?

• 28:39Speaker 03

  That doesn't make me eat more. It just makes my time level to myself go down.

• 28:44Caleb Hammer?

  Meal prep.

• 28:44Speaker 03

  I don't even have time to do that.

• 28:46Caleb Hammer?

  Well, you have a.

• 28:46Speaker 03

  I have a dinner menu that I make every week, but even half the time I don't even get to do that.

• 28:50Speaker 04

  How do you eat?

• 28:51Speaker 03

  What do you mean? How do I eat?

• 28:52Caleb Hammer?

  How do you eat then?

• 28:53Speaker 03

  With a fork and a spoon.

• 28:54Caleb Hammer?

  No, you just said it was literally impossible to cook.

• 28:56Speaker 04

  We'll speak random things then.

• 28:58Speaker 03

  Sometimes I get home anywhere from six o'clock at night to, shit, I got home at two o'clock.

• 29:03Caleb Hammer?

  It was impossible to cook. So how do you eat?

• 29:05Speaker 03

  I didn't say impossible. I said it was harder to cook. My time goes down. But I'm saying about the meal prep. I don't have a lot. I, I find a way to make the easiest things I can.

• 29:17Caleb Hammer?

  What's your average lunch? Come on, don't lie.

• 29:19Speaker 03

  What did I have for lunch? I don't even remember.

• 29:21Caleb Hammer?

  Fly, I will catch you on, I will send people to your house and find out.

• 29:23Speaker 04

  She's sad. So.

• 29:25Caleb Hammer?

  Oh, you don't know my people.

• 29:27Speaker 04

  It depends. All we eat, like leftovers.

• 29:29Caleb Hammer?

  Bet you're poor.

• 29:30Speaker 04

  Their day was cabbage, stir fry noodles.

• 29:33Speaker 03

  It was a cabbage stir fry with.

• 29:35Speaker 04

  With chicken.

• 29:36Speaker 03

  No, there was no chicken.

• 29:38Speaker 04

  She's not that big. She's like.

• 29:40Speaker 03

  It had cabbage. It had other vegetables and stuff in it. There was.

• 29:44Speaker 04

  Corn.

• 29:46Speaker 03

  Corn? What else was in it? I can't remember. It was a teriyaki stir fry.

• 29:50Caleb Hammer?

  Was it a plate?

• 29:51Speaker 03

  It was about that big.

• 29:52Speaker 04

  Yeah, like a glass Yellowstone bowl.

• 29:56Caleb Hammer?

  Ah, beautiful. Got it. Figured it out.

• 29:58Speaker 03

  Yes, the bowls are very pretty.

• 30:00Speaker 04

  Dinner. It varies. We do have, we have, we do have a dinner menu, but sometimes we'll just change it up throughout the day.

• 30:07Caleb Hammer?

  Uh huh. Go on. Average. Average it out. Hard day, hard day.

• 30:12Speaker 03

  So let's say Friday, I would, I didn't get home till two o'clock in the morning. I had to have Subway delivered. And I ate that, I had what? A turkey sandwich?

• 30:20Speaker 04

  Yes.

• 30:21Speaker 03

  Turkey sandwich?

• 30:25Caleb Hammer?

  On what bread?

• 30:26Speaker 03

  Uh, regular white.

• 30:30Caleb Hammer?

  What size?

• 30:31Speaker 03

  I did the foot long, but I ate half of it.

• 30:33Caleb Hammer?

  And any size?

• 30:34Speaker 03

  Nope.

• 30:35Caleb Hammer?

  I always get a cookie with myself. Well, you didn't get a cookie?

• 30:37Speaker 03

  I did, but I gave it to the kids. My son was with me at the time.

• 30:41Caleb Hammer?

  Uh huh. Any, uh, drink?

• 30:43Speaker 03

  Gatorade, sugar-free Gatorade.

• 30:44Caleb Hammer?

  Okay.

• 30:45Speaker 03

  And water.

• 30:45Caleb Hammer?

  Snack on throughout the day?

• 30:47Speaker 03

  Nothing. I drink a lot of water. I either drink, I'm either drinking coffee or water or Gatorade or there's these.

• 30:55Caleb Hammer?

  Zero snacks ever throughout the day.

• 30:56Speaker 04

  Doesn't.

• 30:57Caleb Hammer?

  Zero.

• 30:58Speaker 03

  I'm literally, I don't like to snack. I don't really, rarely do I ever do snacks like that.

• 31:03Speaker 04

  Yeah, and our day.

• 31:04Speaker 03

  If I do snack.

• 31:05Caleb Hammer?

  All your drinks are sugar free.

• 31:06Speaker 03

  Yes, because he's a diabetic. So I do sugar-free stuff. Because everything we buy is sugar-free. I, I don't do regular flavored drinks anymore. My favorite drinks are gonna be those by coconut drinks. They have what? 10 calories in them?

• 31:21Caleb Hammer?

  She went out to eat a thousand dollars. So she definitely does a lot more going out to eat than she is willing to suggest.

• 31:28Speaker 03

  Would you like to try to work my schedule? And raise a kid and take care of a household with no help?

• 31:33Caleb Hammer?

  Pleasant, but you're acting like no one's ever done it in the history of the world. And also pause, your excuse was not, I'm busy. Your excuse was there's a tumor on my whatever in cortisol.

• 31:42Speaker 03

  That was for the fact of my weight, which I'm trying to get figured out.

• 31:46Caleb Hammer?

  I have an answer. A thousand dollars going out to eat on a monthly basis. Sold.

• 31:52Speaker 03

  Because of our schedule. Would you like to try to work?

• 31:55Caleb Hammer?

  That isn't because of your tumor. You eat bad food for you.

• 31:58Speaker 03

  Separating the two.

• 32:00Caleb Hammer?

  What?

• 32:00Speaker 03

  They're two different things.

• 32:01Caleb Hammer?

  Goes in together.

• 32:03Speaker 03

  Conversation about my weight is separate from this.

• 32:06Caleb Hammer?

  What?

• 32:07Speaker 03

  My, my tumor is literally the reason why I'm struggling to try to lose weight. I have ever since I had my son. Especially after I had a miscarriage.

• 32:15Caleb Hammer?

  Yes, I'm not saying it's necessarily easy, but guess what? You do not lose weight if all you do is consume fast food.

• 32:20Speaker 03

  I get that, but I'm trying.

• 32:23Caleb Hammer?

  What are we talking about here? Then you cannot come on here and say, when I said you're fat and you said, erm, it's because of my tumor. No, it's not. It's because you eat a hoot. All your meals. That's it. You tried to pull a sympathy play because you are never in the wrong because it is never your fault for anything.

• 32:40Speaker 03

  Absolutely not.

• 32:41Caleb Hammer?

  You were, in this conversation so far? Absolutely.

• 32:44Speaker 03

  No, absolutely not, because I literally.

• 32:47Caleb Hammer?

  Woman in the history of financial audit, it's not my fault for being fat. I can't do anything.

• 32:51Speaker 03

  No, it clearly is my fault.

• 32:53Caleb Hammer?

  Why'd you bring up the tumor thing then? And now you only accept the things when I bring up the number?

• 32:58Speaker 03

  Why I'm struggling to lose weight.

• 33:00Caleb Hammer?

  No, the reason is because you collect heat.

• 33:03Speaker 03

  Because would you like to work my schedule? We'll go back to that section.

• 33:05Caleb Hammer?

  That's not because the tumor though.

• 33:08Speaker 03

  Do you not understand the two go together?

• 33:10Caleb Hammer?

  Reason that you are struggling to lose weight.

• 33:13Speaker 03

  Yes, it is because I've tried to freaking manage everything.

• 33:17Caleb Hammer?

  Girl.

• 33:19Caleb Hammer?

  If you did not eat out a thousand hours a month, regardless of the tumor,

• 33:25Caleb Hammer?

  because you eat food that is bad for you too much.

• 33:27Speaker 03

  Because-

• 33:27Caleb Hammer?

  And guess what? That's my reality too. But when someone asks why I'm fat, I just say that.

• 33:33Speaker 03

  People ask why you're fat?

• 33:35Caleb Hammer?

  I don't blame it on other things. I accept the responsibility. That's what every fat man in the history of financial audit, they say, because I eat too much food. Every fat woman in financial audit, what was the phrase she used? She used the phrase where it's not my fault or something. Whatever that was, it's never, it's never the fat woman's fault.

• 33:54Speaker 03

  No, I'm saying it's not my, my physical fault that I'm struggling to try to lose weight.

• 34:00Caleb Hammer?

  It literally is. A thousand hours going out to eat. That is not trying. That's not trying.

• 34:05Speaker 03

  Most of that shit goes for my son, too.

• 34:07Caleb Hammer?

  Well, you are eating what he eats as well.

• 34:09Speaker 03

  Not necessarily.

• 34:10Caleb Hammer?

  And how tall are you?

• 34:11Speaker 03

  Five nine.

• 34:13Caleb Hammer?

  I guarantee you with the food that we're gonna see you going out to eat, you're consuming much more than your recommended daily caloric amount. It's not your tumor's fault. There are things that might make it harder. And that might be something that makes it harder that we can talk about. But no matter how hard it is, you will never lose weight if you eat out a thousand hours a month. Never.

• 34:31Speaker 03

  Trying to balance my schedule, though. While I'm in school, I do not have the time with zero help.

• 34:36Caleb Hammer?

  I potentially agree, but don't say it's your tumor's fault.

• 34:39Speaker 03

  Okay, I will take that back. It's not the tumor's fault. Yes, it is my fault.

• 34:42Caleb Hammer?

  It is your fault, your responsibility.

• 34:44Speaker 03

  I can, where I can, to fix it.

• 34:47Caleb Hammer?

  Okay.

• 34:47Speaker 03

  Without his help.

• 34:48Caleb Hammer?

  Do you work on Sunday?

• 34:49Speaker 03

  No, I do schoolwork. All my schoolwork-

• 34:51Caleb Hammer?

  You do schoolwork?

• 34:51Speaker 03

  Do on Sundays.

• 34:52Caleb Hammer?

  You do schoolwork 16 hours a day on Sunday?

• 34:54Speaker 03

  I do it when I can. I'm taking care of-

• 34:57Caleb Hammer?

  They can't believe the name. Okay, so in between taking care of the son and doing the schoolwork, you do not have one hour that day. One hour you can find.

• 35:06Speaker 03

  Not when I have him, no.

• 35:07Caleb Hammer?

  What? With the [BLEEP] kid that is two years old in the schoolwork?

• 35:13Speaker 03

  Have you ever been outside with a two-year-old trying to contain him?

• 35:17Caleb Hammer?

  Outside? They're only outside? You're outside 16 hours a day?

• 35:19Speaker 03

  No, what I'm saying is, have you ever been in public with a two-year-old?

• 35:23Caleb Hammer?

  I mean, yes, when my brother was two.

• 35:25Speaker 03

  How old were you?

• 35:26Caleb Hammer?

  Uh, like seventeen?

• 35:28Speaker 03

  Okay, great. Try being a little bit older, trying to manage it with a lot of other things.

• 35:32Caleb Hammer?

  But guess what? You're not the first parent to ever come on the show.

• 35:34Speaker 03

  No, absolutely not. There's a lot of parents.

• 35:36Caleb Hammer?

  I cooked food and, well, how many kids did she have last week? We haven't uploaded yet? Ten kids. I think her situation is a little more difficult. You're not unique.

• 35:47Caleb Hammer?

  I guarantee you, and I know for a fact, no, it's not. I know for a fact-

• 35:52Speaker 03

  Every life is unique.

• 35:53Caleb Hammer?

  Not really. Uh, you have a thou- you have one hour that you could find on Sunday. One hour. Promise you, I know it, and you could meal prep for at least the first half of the week in that one hour. I know for a fact.

• 36:05Speaker 03

  Now, let's add in the fact that if I-

• 36:07Caleb Hammer?

  She can't do anything. Nothing's ever her fault. No accountability.

• 36:10Speaker 03

  Literally-

• 36:10Caleb Hammer?

  That's the reality of her conversation.

• 36:12Speaker 03

  Just shut your mouth and open your ears. You could listen. So if you add in the fact that if I try to meal prep for this whole family, right? The three that live in that house, he does not like to eat vegetables. He likes cauliflower and he likes- But it's the fact of I have to include him because I have to consider his diabetes, too.

• 36:30Caleb Hammer?

  Okay, well, diabetes means you shouldn't be consuming that regardless.

• 36:33Speaker 03

  But he does.

• 36:35Caleb Hammer?

  Yeah, but if you're cooking for his diabetes, you shouldn't be eating whatever you're avoiding anyway, right?

• 36:40Speaker 03

  What do you mean? Eating what you're avoiding?

• 36:43Caleb Hammer?

  Whatever you have to avoid for the sake of his diabetes, you should also be avoiding for the sake of your fat.

• 36:48Speaker 03

  But what I'm talking about is vegetables. Trying to eat, get him to eat vegetables that I like-

• 36:54Caleb Hammer?

  Around it. And also, I'm sorry-

• 36:56Speaker 03

  He doesn't like doing that.

• 36:57Caleb Hammer?

  I don't care what he likes. He's an adult man. If he doesn't-

• 36:59Speaker 03

  Try telling him that.

• 37:00Caleb Hammer?

  Hey, you're an adult man. If she doesn't, if she cooks, what she cooks for the family and you don't eat, starve. I don't care.

• 37:07Speaker 03

  Yeah.

• 37:07Caleb Hammer?

  You're thirty-five.

• 37:08Speaker 03

  He literally asked me, so let's say-

• 37:10Caleb Hammer?

  I'll pick.

• 37:10Speaker 03

  He literally asked me, well, hey, what's for dinner tonight while I'm cleaning up dinner from that night? Or dinner for tomorrow night, while I'm cleaning up dinner for that night? I don't know. There's a kitchen. There's this thing called you got two [BLEEP] feet. You can learn how to cook and make something too.

• 37:23Caleb Hammer?

  Stand on business. We know you can't do anything but stand or sit, so it's easy.

• 37:27Speaker 04

  So I try to cook and I-

• 37:30Speaker 03

  You burn everything or you take two years to [BLEEP] make it.

• 37:33Speaker 04

  So I take my time to make it and she doesn't like it. So she starts cooking herself.

• 37:36Speaker 03

  You're sitting there watching YouTube all the [BLEEP] time.

• 37:40Speaker 04

  Oh, you watch TikTok all the time, so it doesn't make much of a difference.

• 37:43Speaker 03

  When I actually have time and it's for decorating videos or stuff.

• 37:49Speaker 04

  She-

• 37:50Speaker 03

  Which one?

• 37:50Caleb Hammer?

  Yours.

• 37:51Speaker 03

  Can I have my phone, please? What do you want?

• 37:53Caleb Hammer?

  Perfect. It's an iPhone. Open it.

• 37:59Caleb Hammer?

  Your maintaining calories is two thousand a day if you are a healthy weight. That would also make you lose weight, too, a healthy weight. You consume more than that.

• 38:08Caleb Hammer?

  Very risky to not, um, uh, have a case, especially with a two-year-old.

• 38:14Speaker 03

  It's not wanting to charge right now. It's an older phone. For some reason, no, for some reason, the other day, the lightning cable wouldn't charge and the, the, um, the wireless charger wouldn't charge with the case on. So I took the case out to be able to charge it.

• 38:29Caleb Hammer?

  The other day?

• 38:31Speaker 03

  What's today? Yesterday. Yesterday, literally yesterday. We were trapped inside of a complex. They were doing construction. Couldn't get out. And so we were scrambling to try to find a way to, um, get a charger for my phone.

• 38:44Caleb Hammer?

  Sunday, she was on her phone for six hours and thirty minutes. Let's see what she was doing. Hey, she can't find an hour to meal prep. Uh, she was on TikTok for two hours and forty minutes. Can't take accountability, can't accept that maybe she is slightly the problem. Are we [BLEEP] getting it yet?

• 39:02Speaker 03

  Okay, what about me time? Do I not get to take time for myself?

• 39:07Caleb Hammer?

  Fly away.

• 39:08Speaker 03

  It's a question. Do you not know how to answer a question?

• 39:13Caleb Hammer?

  On her chrome for forty minutes. Outlook, there's her schoolwork, seventeen minutes. Facebook for fifteen minutes.

• 39:20Speaker 03

  Do you, do you not know how to answer a question?

• 39:22Caleb Hammer?

  What's your question?

• 39:23Speaker 03

  Did you not hear my question? We can get it, we can take you to an ear doctor if you need to.

• 39:26Caleb Hammer?

  You asked, what about me time?

• 39:28Speaker 03

  Yeah.

• 39:28Caleb Hammer?

  I thought you didn't have any.

• 39:29Speaker 03

  It's just a question. That's what I'm saying. That's my me time.

• 39:32Caleb Hammer?

  Your you time, if you're trying to survive, which is what I thought you were trying to argue, is meal prepping. Because you're killing yourself. Uh, okay, so Friday.

• 39:43Speaker 03

  So is it all just on me, then? What about him?

• 39:45Caleb Hammer?

  I agree. It's on him, but you're, I'm going off of your argument. You said you didn't have an hour to meal prep on Sunday.

• 39:51Speaker 03

  I didn't say I didn't have an hour. You're the one that said, put aside an hour.

• 39:55Caleb Hammer?

  She said she didn't have an hour. She said it was schoolwork and kid. She said she didn't have an hour.

• 39:59Speaker 03

  Schoolwork and kid. I said, schoolwork and kid.

• 40:01Caleb Hammer?

  I'm being gaslit. I am being so gaslit right now. This is insane. Friday.

• 40:05Speaker 01

  Now, more than ever, we need someone on our side. But Rob Whitman? Whitman's votes drove up costs, cut Medicaid, and risked three hundred fifty thousand Virginians' healthcare to pay for tax breaks for himself and his donors. He's not on our side. Shannon Taylor will fight corruption, cut taxes, and bring down costs. This November, vote for Shannon Taylor. She's for us. Paid for by HMP, the House Majority PAC dot com. Not authorized by any candidate or candidate's committee.

• 40:35Caleb Hammer?

  An hour twenty minutes on YouTube, she was texting for an hour and fifteen.

• 40:38Speaker 03

  College.

• 40:39Caleb Hammer?

  An hour fifteen, she was texting. Was that for college? Fat. Fifty-five minutes on TikTok, twenty-one minutes on Netflix. Was that for college?

• 40:48Speaker 03

  That was actually for our son.

• 40:49Caleb Hammer?

  College? The Sunday before. Four hours, forty-five minutes on TikTok, fifty-three minutes on Snapchat. Was that for college?

• 40:58Speaker 03

  No, that was to actually talk to a friend who was, um, deployed.

• 41:03Caleb Hammer?

  Very good. Talk to him while you [BLEEP] cook. I know you left this motion in. Stir some shit. Sam's Club dreaming about that future meal, about that future [BLEEP].

• 41:14Speaker 03

  No, that was literally for a car seat.

• 41:16Caleb Hammer?

  Literally twenty-two minutes to find a car seat.

• 41:19Speaker 03

  Literally.

• 41:19Caleb Hammer?

  TikTok, Monday, hour thirty-three minutes. Snapchat, forty-eight minutes, probably to the deployed man. Forty-two minutes texting. She was on her calculator for forty [BLEEP] minutes.

• 41:29Speaker 03

  I was doing statistics. Excuse me, I'm sorry. At least I do stuff.

• 41:34Caleb Hammer?

  Incredible response. The Saturday right before that, two hours, eighteen minutes on TikTok, texting for an hour twenty-five.

• 41:42Caleb Hammer?

  Look at you. Shut the [BLEEP] up. Your excuses are nothing. This is why I dig deep. This is why I don't believe her story with the pushing. This is why I don't believe anything.

• 41:50Speaker 03

  The pushing, going back to that.

• 41:52Caleb Hammer?

  Yes, because every time, some of that ends up in this and isn't willing to fully accept it. The moment I start poking at their stories, I learn that it's [BLEEP] bullshit. Every [BLEEP] time on this show.

• 42:10Speaker 03

  You could do a reverse.

• 42:10Caleb Hammer?

  So why did you let him come back? I want to get back to that, please.

• 42:14Speaker 03

  Because he had shown me that he was doing, I tried to give him another chance. So I wanted to give him another chance. I, hold on. I grew up-

• 42:24Caleb Hammer?

  Falls in a well, eyes go cross. She gets kicked by a mule, they go back to normal. I don't know.

• 42:29Speaker 03

  With a broken family.

• 42:30Caleb Hammer?

  Oh, it's the victim. We're back to victim.

• 42:32Speaker 03

  Did I say that? Did I say that?

• 42:34Caleb Hammer?

  You don't have to say it. You don't have to say I'm a victim to do victim mentality. You've victim this whole conversation so far.

• 42:42Speaker 03

  If you could just stop talking.

• 42:42Caleb Hammer?

  Very good. Let's check her blood pressure whilst she tells the story.

• 42:44Speaker 03

  So if, so growing up with a broken family, my goal was to not have that for my son.

• 42:51Caleb Hammer?

  What was broken?

• 42:52Speaker 03

  The dad went to jail when I was seven-ish.

• 42:56Caleb Hammer?

  Okay.

• 42:57Speaker 03

  Mom, uh, supposedly cheated on my dad with my stepdad and moved to two thou- uh, moved, when we moved to, uh, Texas in two thousand nine.

• 43:07Caleb Hammer?

  Okay, what does the cheating have to do with anything?

• 43:10Speaker 03

  There was just a bunch of lies and everything.

• 43:12Caleb Hammer?

  Yeah, it's not the best. I mean, how'd that, how'd that, how'd the cheating impact you? I don't know. A jail situation, not good. Don't get me wrong, but. Okay, so you didn't want to replicate it, so you took the kid away from his dad, right?

• 43:25Speaker 03

  I did what I had to do to protect him.

• 43:27Caleb Hammer?

  I'm on your side.

• 43:27Speaker 03

  Okay, thank you. So I tried to make it work. So I told him, you need to do these steps, see his therapist, whatever you need to do to, um, try to get this family back together. Then you can move to Texas. He moved to Texas in July of twenty-five.

• 43:48Caleb Hammer?

  Yes.

• 43:49Speaker 03

  He had visited a couple times. He flew out for what? Easter and, uh, his birthday, right?

• 43:54Caleb Hammer?

  Yes.

• 43:54Speaker 03

  Yeah, for Easter and his birthday. And then it was kind of just-

• 44:02Speaker 03

  The move was kind of planned, but it wasn't full set on stone. He was just kinda like, one day, hey, I put my two or three weeks in or whatever the [__] was and then, um.

• 44:14Caleb Hammer?

  I came back from his birthday and I gave my 30 day notice.

• 44:19Speaker 03

  But you didn't communicate that. That's the problem. You said after the fact, after you'd already packed the car up and said, hey, I'm coming out here, which I didn't fight it because I had already told you that that was the end goal and you had kind of shown some work towards that end goal.

• 44:38Caleb Hammer?

  She knew I was coming out. So I got her a hotel because of her brother being at her mom and dad's. So they spent two weeks in a hotel room.

• 44:47Speaker 03

  A week?

• 44:48Caleb Hammer?

  A week in hotel room until I got here.

• 44:51Speaker 03

  Okay, but that's not even.

• 44:52Caleb Hammer?

  She knew I was coming out.

• 44:53Speaker 03

  Put that to the side for a second. The fact is you coming out here.

• 44:56Caleb Hammer?

  It offered me, asked me if I can come out earlier than I was supposed to.

• 44:59Speaker 03

  Yes, because I needed the help, but we were also still waiting on the apartment to get ready.

• 45:04Caleb Hammer?

  Okay.

• 45:04Speaker 03

  So he finally, so he um, kinda just threw it on me that he was gonna be moving out here and.

• 45:12Caleb Hammer?

  And you said yes?

• 45:13Speaker 03

  He had already packed the car and said that he was quitting his job. What else was I supposed to do?

• 45:17Caleb Hammer?

  Protect your kid?

• 45:18Speaker 03

  But he had shown progress in fixing. Yes.

• 45:22Caleb Hammer?

  Okay, so.

• 45:23Speaker 03

  But what I wasn't good with was how the communication happened.

• 45:25Caleb Hammer?

  Pull your sleeve up.

• 45:28Speaker 03

  Hmm? This?

• 45:29Caleb Hammer?

  No. Keep your arm like this. The arm flat.

• 45:36Caleb Hammer?

  Let's just get this. You lied to me about everything. I wanna check how your [__] life is cons- I'm moving down a little more. Yeah, look closer right here. Let's see how your lies are impacting your actual reality right now.

• 45:51Caleb Hammer?

  Over what? Oh, okay. Yeah, you're uh, hypertension stage two. It's not great. This is the consequences of your actions. Here's, I'm having fun with you. You're fun to banter with, but the reality is your excuses of saying you have no time to meal prep and you eat out a thousand hours a month is leading to this. And that is making you dramatically unhealthy, which means a couple of things. I want you to be around for your kid. Okay? You're not going to be for very long. If this is 25, 45 won't exist. Number two, what is the point of the sacrifice and hard work that is required to get out of this mess? If you won't get to see, live to see the actual benefits of the other side?

• 46:35Caleb Hammer?

  That's why we talk about health. Yes, we have fun. We goof, we joke around. It wasn't on your no-no list. I asked her for permission. Did I?

• 46:42Speaker 03

  Hmm? Yeah, no, yeah, no, it's fine. No, and I know.

• 46:45Caleb Hammer?

  But that's the thing. But in reality, putting aside the jokes and stuff like that, your excuses that you're making, instead of just accepting the reality of why you're here and why we both look like this is bad. If you just accepted it, I'd be like, okay, she got it. But the thing is, you won't accept any kind of accountability for anything and you're not gonna live to see the end of this. And that's the sad part. Okay? Okay, so he moved back in. You guys have been moved back in for a year. Why are we talking about divorce right now? Cause that's gonna throw a wrench into all this.

• 47:15Speaker 03

  Uh, where do I start? The watching and lying about it and.

• 47:21Caleb Hammer?

  Can bro not watch?

• 47:22Speaker 03

  That was one of the boundaries that I asked.

• 47:24Caleb Hammer?

  Why? Cause he's not [__] you?

• 47:26Speaker 03

  Yeah.

• 47:27Caleb Hammer?

  Oh.

• 47:28Speaker 03

  He did it even when we were [__].

• 47:29Caleb Hammer?

  Oh, is that okay?

• 47:30Speaker 03

  I asked him not to, cause I told him specifically, he literally would do it right after we had sex.

• 47:35Caleb Hammer?

  Horny dude.

• 47:36Speaker 03

  And then he lied about it to my face.

• 47:38Caleb Hammer?

  Well, why, why can't he after sex?

• 47:40Speaker 03

  Why would you need to if you just finished?

• 47:42Caleb Hammer?

  Well, maybe he go, going for round two. Okay, well, you tell me why.

• 47:46Speaker 03

  Lying to me, straight to my face.

• 47:48Caleb Hammer?

  I agree. I'm just trying to understand why the rule existed, but go on. So it was for stress leave, cause she's, she'll stress me out, cause I'm never good.

• 47:56Speaker 03

  Are you sure? You never knew how it popped up on your phone?

• 47:58Caleb Hammer?

  Here, bro's, I need to spend some time on him. I don't do anything good enough for her.

• 48:03Speaker 03

  You don't do anything.

• 48:04Caleb Hammer?

  Including the act, the sexual act? No, just period. Everything is my fault. Is it? That's happened. No. Well, I mean, she has been gaslighting me in this conversation, so a part of me is like, eh, eh, eh, eh, but I do need to dig on you a little more and learn you. We went to marriage counseling. The marriage counselor's even said that she'll start for no reason. I have assessed that, this conversation so far. Um, but, bro, why did you have to go crank one after having sex with her? What the [__] are we doing?

• 48:35Speaker 03

  Don't lie.

• 48:35Caleb Hammer?

  That's like [__] behavior.

• 48:39Caleb Hammer?

  Not be honest with you? I already launched Liquid Assets, my official Gamer Subs flavor, raspberry apple, and it's been selling like crazy. Here's the update. The free gift stacking promo from Christmas in July has officially sold out, but the flavor hasn't. Zero sugar, under one calorie, 100 servings a tub, same nootropic blend, same full vitamin stack, still just four scoops a day, max. Code Caleb still gets you 10% off your entire order and there's still a shot, one out of every 10, that your tub comes with my face on it. All you need to do is head to gamersubs.gg/caleb or click the link in the description below.

• 49:17Caleb Hammer?

  I just launched the brand new Hammer Elite app available on every major platform, so you can watch every show anywhere you want. You'll get three exclusive dedicated shows every single day, Monday through Saturday. Refer a friend after you sign up and you get an additional 30 days of Hammer Elite access for free. Download the Hammer Elite app by using the link in the description or pin comment down below. This is the best membership you'll ever join and that's a promise. Yes. Cause I was ready for another one. I was ready to go again. So why didn't you go again? Cause she had to go to work. Every time?

• 49:50Speaker 03

  Not every time.

• 49:51Caleb Hammer?

  If you guys have sex, the only other thing that happens after that is she goes to work?

• 49:55Speaker 03

  No.

• 49:56Caleb Hammer?

  So go for round two, bro.

• 49:58Speaker 03

  Literally just say, like, get immediately on your phone, immediately, as soon as we're done. This thing is.

• 50:03Caleb Hammer?

  Did you want round two?

• 50:04Speaker 03

  Yeah, I would be okay with it. I told him if he wanted it to communicate. There's that word again, communicate. I don't know how many times I have to reiterate that word for him. Communicate. It's a very hard concept for him to understand. Communicate when your job schedule changes. Communicate your needs. Communicate if you need to talk about something. Communicate if, you know, you need help with something.

• 50:27Caleb Hammer?

  So my opinion on [__] is kinda like alcohol, all that kinda stuff. It's like, I don't really care unless it's like addictive and leading to bad things, right?

• 50:34Speaker 03

  No, he was addicted to it.

• 50:35Caleb Hammer?

  Right, of which then I don't like it. I also, if it's not addictive, I'm okay with [__] if the sex life's good. I am anti [__] if the sex life in the relationship is bad, cause then it's like a crouch and addiction is weird.

• 50:48Speaker 03

  In the middle, which you're explaining.

• 50:49Caleb Hammer?

  So she put the boundaries. Why were you breaking it, dude?

• 50:53Speaker 03

  Cause he wanted to talk to more women.

• 50:55Caleb Hammer?

  Let him answer. Why were you watching [__] when she said, uh, no, no?

• 50:58Speaker 03

  Cause it was.

• 51:01Caleb Hammer?

  Um, incredible.

• 51:02Speaker 03

  But you lied to it to my face and said, oh, well, it would just happen.

• 51:05Caleb Hammer?

  Well, and the fact of multiple times I got accused of cheating. Did you? No, I never once stepped out on this marriage. She considers watching things.

• 51:14Speaker 03

  I've got two people that told me that he did.

• 51:17Caleb Hammer?

  No, what? Tell me.

• 51:20Speaker 03

  I ended up with an STD and I hadn't slept with nobody else but him for three years.

• 51:25Caleb Hammer?

  Did you know that? That's crazy.

• 51:28Speaker 03

  Yeah. Three years, the only person.

• 51:29Caleb Hammer?

  Which one did you get?

• 51:30Speaker 03

  So look here. I'd have to look at the doctor's notes.

• 51:32Caleb Hammer?

  The two friends. Which one did she get?

• 51:33Speaker 03

  He was like, he never got tested. I told him to go to the doctor.

• 51:37Caleb Hammer?

  So look here, the two friends. Bro's walking around cheesing his dick. No, so the two friends that apparently said I cheated on her with.

• 51:46Speaker 03

  This was before.

• 51:48Caleb Hammer?

  For everything. Stole money from us, stole a car seat install that they were supposed to pay for and walked away, never paid for it.

• 51:55Speaker 03

  I gave that to her.

• 51:57Caleb Hammer?

  Yeah, that's what you told me.

• 51:58Speaker 03

  Yes, I gave it to her. That was okay.

• 52:02Caleb Hammer?

  And then a friend.

• 52:03Speaker 03

  They ended up being manipulated.

• 52:05Speaker 00

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

• 52:30Speaker 03

  Because she kept flirting with you and she's the one that you were accused of cheating on me with.

• 52:35Caleb Hammer?

  Who?

• 52:36Speaker 03

  When she lived [__] with your mom.

• 52:39Caleb Hammer?

  How did this accusation pop up?

• 52:41Speaker 03

  I was told by one of my friends before her and I stopped being friends because she was still in Charleston. This is when I was here. And knowing that he's addicted to, you know, when I was here.

• 52:50Caleb Hammer?

  So you left, he needed some pussy?

• 52:52Speaker 04

  I never once.

• 52:53Caleb Hammer?

  No, it's not. That's cheating.

• 52:54Speaker 03

  If I was here, I had no problem. And I told him that with him watching it.

• 52:58Caleb Hammer?

  Oh, watching?

• 53:01Speaker 03

  No. But with him watching it, I had no problem with that because I knew he was gonna need to relieve some.

• 53:08Caleb Hammer?

  Yeah, yeah, yeah, a little.

• 53:09Speaker 03

  Tense up pension or whatever, whatever.

• 53:11Caleb Hammer?

  Oh, semen.

• 53:12Speaker 03

  But.

• 53:14Speaker 03

  But the fact that I had a friend tell me.

• 53:17Caleb Hammer?

  Yeah, that's crazy.

• 53:18Speaker 03

  Times.

• 53:19Caleb Hammer?

  Multiple? That he did what?

• 53:21Speaker 03

  Cheated on me? Why are you acting like you don't know what we're talking about?

• 53:23Caleb Hammer?

  No, what did he do specifically?

• 53:25Speaker 03

  Oh, just slept with her.

• 53:26Speaker 04

  Uh, yeah.

• 53:27Caleb Hammer?

  Multiple times?

• 53:28Speaker 04

  Never happened.

• 53:28Speaker 03

  I know of at least one.

• 53:29Caleb Hammer?

  I'm sorry, why, why, why the fuck would she not believe her though?

• 53:32Speaker 03

  This girl, this girl was living in his mom's house with him right next door, wearing booty shorts and low cut tops all the time and all this stuff. And so the way that I knew her is our sons are really close in age. We're not friends anymore, but we're really close in age. And that's how she ended up moving in. She was escaping a whole, she had all of her crap.

• 53:51Speaker 04

  She asked me, hey, can she stay there because her house is being abused?

• 53:55Speaker 03

  I didn't ask you. She, I told her she needed to talk to you because it's not my house.

• 54:00Caleb Hammer?

  Brother, you can't even remember threatening to kill yourself. I don't know if I can trust your judgment or memory.

• 54:05Speaker 03

  She asked me if I would ask your mom.

• 54:08Caleb Hammer?

  Also, I mean.

• 54:09Speaker 03

  I told her.

• 54:10Speaker 04

  I never stepped out and sub with her. If she says that, then that just crazy.

• 54:15Speaker 03

  The cops got called because you were screaming at me about it like a toddler.

• 54:18Caleb Hammer?

  What? When? In South Carolina or here?

• 54:21Speaker 04

  Here.

• 54:21Speaker 03

  Here, a couple of weeks ago.

• 54:22Caleb Hammer?

  What? A couple of weeks ago?

• 54:23Speaker 04

  Yeah.

• 54:24Speaker 03

  We had three cops knocking on my door at eleven thirty at night.

• 54:26Speaker 04

  Every time. Well, you're somebody else.

• 54:29Caleb Hammer?

  We'll call the cops.

• 54:30Speaker 04

  I don't know, one of our neighbors.

• 54:31Speaker 03

  My grandparents.

• 54:32Caleb Hammer?

  Why?

• 54:32Speaker 04

  If I take it different.

• 54:34Speaker 03

  Well, because they were worried because we were talking about some stuff about, because he had started mentioning again that he wanted to hurt himself.

• 54:40Speaker 04

  I never, what?

• 54:41Speaker 03

  Yes.

• 54:42Speaker 04

  Why? Because I said.

• 54:43Speaker 03

  Literally that same day the cops showed up.

• 54:46Speaker 04

  Okay.

• 54:46Speaker 03

  Mentioned that you were gonna be gone soon and you were gonna be in the dirt. That's exactly what you told me.

• 54:53Speaker 04

  Yeah.

• 54:53Speaker 03

  So I was talking to my papa and it came up in a conversation asking how our day was. So then he got worried. You know him. He's a retired Marine.

• 55:01Speaker 04

  Yeah, he, oh, he's not, yeah.

• 55:03Speaker 03

  It has nothing to do with you. It has to do with my safety with that.

• 55:08Caleb Hammer?

  Is that unfair?

• 55:09Speaker 03

  I didn't tell him to call the cops. He's the one that called because I took my meds and fell asleep.

• 55:15Caleb Hammer?

  What the cops do? What happened?

• 55:17Speaker 04

  They separated us and we talked.

• 55:19Speaker 03

  I told them about this one incident.

• 55:21Caleb Hammer?

  So you guys were going hard on each other.

• 55:23Speaker 03

  He was so, more him. Yes, I was yelling.

• 55:26Caleb Hammer?

  What was he doing?

• 55:27Speaker 03

  He was screaming, like when I tell you full on screaming, you know how like when your parents screams at you, they're so mad you did something, you fucked up so bad.

• 55:35Speaker 04

  If I try to walk, so if I try to walk away now, communicate to the point on piss and about to scream and I'm but I'm trying to walk away. If I don't communicate that I'm upset, let me walk away and give me five minutes. Then.

• 55:45Speaker 03

  What if I asked you? Another thing that I've asked you to do is to just tell me, hey, I need two minutes.

• 55:51Speaker 04

  For trying to walk away and calm down.

• 55:52Caleb Hammer?

  What were you screaming about?

• 55:53Speaker 04

  Just.

• 55:54Speaker 03

  That he never, no, and that he never slept with somebody else.

• 55:57Speaker 04

  She consistently accused me of cheating on her. If I.

• 56:00Speaker 03

  No, not consistently.

• 56:01Speaker 04

  I'm, if I'm on a different route.

• 56:03Speaker 03

  That's the only, that's the only incident.

• 56:05Speaker 04

  Different route back to the shop. So who you with? Who'd you go see?

• 56:09Caleb Hammer?

  Okay, that is a relentless. That would beat someone down. But also she has credible accusations that you have cheated on her.

• 56:15Speaker 03

  This was also when we lived in Charleston too, but it's also the fact of he was talking and reaching out to other women on his phone.

• 56:21Caleb Hammer?

  Buddy, that is cheating. What was he saying to them?

• 56:24Speaker 03

  It wasn't anything sexual, but it's the fact that he didn't know these women.

• 56:28Caleb Hammer?

  Are you reaching out to random women?

• 56:29Speaker 03

  That's my question.

• 56:30Speaker 04

  It's on Facebook. It's actually just on, it's on.

• 56:33Caleb Hammer?

  Very good. Why were you reaching out to them?

• 56:35Speaker 04

  Person, another person.

• 56:36Speaker 03

  No, they never had mutuals. You literally never had any mutuals with these people. And then all of a sudden you're messaging them and talking to them. Saying, hey, what's up? Or, you know, trying to get in contact with one of your exes who refused to date you because of your age. Why are you trying to talk to her at some odd hour in the night? That's my question. I've always asked you that. Not always, but I have asked you that.

• 57:00Caleb Hammer?

  What's your answer? What's your answer?

• 57:01Speaker 04

  So the ex that, the ex that wouldn't date me because of my age was actually worked for a mechanic shop.

• 57:08Speaker 03

  That failed, that closed down.

• 57:09Caleb Hammer?

  Let him answer, let him answer.

• 57:10Speaker 04

  She went to multiple, she went to work for a different one. Multiple different ones.

• 57:14Speaker 03

  I didn't know that at the time.

• 57:16Speaker 04

  Yes. You wouldn't know because you ever ask. You just.

• 57:20Speaker 03

  I'm sorry, I'm not gonna ask about your stupid ex.

• 57:23Speaker 04

  Yo, because you're blowing up and assume, I automatically assume I'm cheating on you.

• 57:27Caleb Hammer?

  Why do you talk like Hunter Biden? It's incredible.

• 57:30Speaker 04

  She does.

• 57:30Speaker 03

  He talks.

• 57:31Caleb Hammer?

  How, so how would she, he get, why, how would she get an STD then?

• 57:35Speaker 04

  I don't know because the fact of, I wasn't here, I wasn't, if there's a, what? Six month period between me moving out here and she already being out here.

• 57:44Caleb Hammer?

  Uh, she got it while she was here?

• 57:46Speaker 04

  Yeah.

• 57:47Caleb Hammer?

  Here? Where are we? In Texas?

• 57:49Speaker 03

  After having sex with him. Because I was living with my mom at the time.

• 57:53Speaker 04

  Babysit or I'm going to do this, I'm going to, well, I don't, you're actually going to babysit.

• 57:57Speaker 03

  Because I would literally be texting you or FaceTiming you while I was babysitting.

• 58:00Caleb Hammer?

  Did you go get a full panel?

• 58:01Speaker 03

  I don't, I don't know what kind of testing they did. I told him, uh, I think, I don't remember. I think they did.

• 58:08Speaker 04

  I never slept with anybody.

• 58:09Speaker 03

  But I told him about it and he never went to.

• 58:12Caleb Hammer?

  What was your treatment?

• 58:14Speaker 03

  It was, uh, some antibiotic or something for like 10 days.

• 58:17Caleb Hammer?

  Okay, chlamydia.

• 58:19Speaker 03

  Something like, I don't know. I can look it up, but I don't know.

• 58:21Caleb Hammer?

  No, chlamydia, probably.

• 58:22Speaker 03

  The first time I had ever had.

• 58:23Caleb Hammer?

  I don't know, it was a shot in the butt. If it was syphilis, it's a shot in the butt or antibiotics for like a month.

• 58:29Speaker 03

  But no, I got it clean and cleared out. He's the only person I've been with in the last, since we got together, February 20th of 2024.

• 58:36Caleb Hammer?

  Two ways for her to get an STD. You gave her one or she cheated and got one from someone.

• 58:43Caleb Hammer?

  Unfortunately with you two, I actually don't know what to believe.

• 58:46Speaker 04

  I actually ne- I never once slept with her. I was so uncomfortable being out.

• 58:51Caleb Hammer?

  Have you slept with him since?

• 58:52Speaker 03

  No. Since I found out, no.

• 58:53Speaker 04

  I was so uncomfortable.

• 58:55Speaker 03

  I told him to go get tested because I, he, uh, the doctor even told me that my partner that I'm active with needs to go get tested and he refused to.

• 59:03Speaker 04

  I'm so, I was so uncomfortable being in that house. I'd literally work hours.

• 59:07Caleb Hammer?

  Buddy, why don't you go piss in a fucking cup?

• 59:09Speaker 04

  Because I knew I didn't, I know it wasn't my fault.

• 59:12Caleb Hammer?

  Okay, well.

• 59:12Speaker 03

  How do you know that without testing? I didn't even know I had anything without testing.

• 59:17Caleb Hammer?

  Well, I'm gonna just let you in on a secret. Even if she got it not from you, well, she had it. You guys, you probably have it now regardless.

• 59:26Speaker 04

  Yeah.

• 59:26Caleb Hammer?

  So go get tested, buddy. You don't want to fuck up your body.

• 59:29Speaker 03

  It'll fuck up all your reproductive issues or.

• 59:31Caleb Hammer?

  It will.

• 59:32Speaker 03

  It'll, it'll mess all that up. Maybe.

• 59:36Speaker 04

  Oh, and then on top of that, the other thing that pissed me off, she goes, well, I want to take our son's name and change his last name. To my papa's last name, so I can carry his legacy on.

• 59:47Caleb Hammer?

  Well, you're going through a divorce, potentially, maybe. I don't even know. Wait, when did you find out about the STD?

• 59:52Speaker 03

  Couple of months ago. I'd have to look at the record again.

• 59:55Caleb Hammer?

  What has changed between then and now that is leading to the divorce? So now we're like actually doing it.

• 1:00:01Speaker 03

  Well, the car thing, and then there was one incident, uh, what, three? Two, two weeks ago? But this was before the cops showed up. This was like the same week of the cops showing up.

• 1:00:12Caleb Hammer?

  Before the cops.

• 1:00:12Speaker 03

  Yes.

• 1:00:13Caleb Hammer?

  What happened?

• 1:00:13Speaker 03

  Um, there was just something that he had done that I'd seen on camera while I was checking on our son at home. He was talking to me through like the little, you know, like the camera, whatever. And I saw him doing something and I said, that's where I draw the line. You were not going to be doing.

• 1:00:28Caleb Hammer?

  This is the thing I have to, uh, this was their only no-no, so I have to balance this. The no-no is, uh, just letting him not answer what he chooses. So I would just ask questions and however he answers is, however he answers.

• 1:00:42Speaker 04

  What? I wasn't doing any, I legit was not doing anything. I was sitting on the couch.

• 1:00:46Caleb Hammer?

  Then why aren't you willing to answer?

• 1:00:48Speaker 04

  Because I know she's, oh, she's, she's tried to accuse me of doing it.

• 1:00:51Caleb Hammer?

  Okay, obviously I don't want you to answer. I want him to be able to say what he feels comfortable with.

• 1:00:56Speaker 03

  This is up to him.

• 1:00:57Caleb Hammer?

  Yes, yes, yes. Why accuse him of something? How confident are you in this accusation, accusation that was done around a child?

• 1:01:05Speaker 03

  Because I literally saw it on the camera.

• 1:01:08Caleb Hammer?

  Um, in detail, confidence, high level of confidence. If you had to put all your money. Money on it. Where's your percentage? Zero? You would not bet any money? Hundred percent is all your money?

• 1:01:18Speaker 03

  Doing something?

• 1:01:18Caleb Hammer?

  The thing that you're saying happened.

• 1:01:20Speaker 03

  I'd say about like a ninety-eight percent.

• 1:01:22Caleb Hammer?

  Ninety-eight is very confident.

• 1:01:24Speaker 03

  Yes, because I s- I saw it.

• 1:01:27Caleb Hammer?

  This.

• 1:01:28Speaker 03

  Now, when-

• 1:01:29Caleb Hammer?

  You did around the kid. Um.

• 1:01:33Caleb Hammer?

  Okay, was the kid in the room of the accus- accusation?

• 1:01:36Speaker 04

  He was watching Bluey in the living room.

• 1:01:38Speaker 03

  He was actually talking to me on the camera.

• 1:01:40Caleb Hammer?

  And where were- and where were- where were you?

• 1:01:42Speaker 04

  Sitting on the couch.

• 1:01:43Caleb Hammer?

  In the living room?

• 1:01:44Speaker 04

  Yeah.

• 1:01:44Caleb Hammer?

  Okay.

• 1:01:45Speaker 03

  With your phone.

• 1:01:47Caleb Hammer?

  Again, you- it's your answers or no answers. What were you accused of doing?

• 1:01:51Speaker 04

  Um, watching [BLEEP] with my son in the room.

• 1:01:55Speaker 03

  Hmm, no.

• 1:01:57Caleb Hammer?

  But that's- that's for him to answer.

• 1:01:58Speaker 03

  No, and that's what I'm saying.

• 1:01:59Caleb Hammer?

  Believe what she said. Believe what she said.

• 1:02:00Speaker 04

  Something else.

• 1:02:02Caleb Hammer?

  Okay.

• 1:02:02Speaker 04

  Because my hands were in my pockets. She's like, well, you're [BLEEP] with your kid in the room.

• 1:02:07Caleb Hammer?

  Okay.

• 1:02:08Speaker 03

  No.

• 1:02:08Speaker 04

  Yeah, you did. You said pockets. My- down my hand, my pants. My hand was never down my pants. My hands were in my pockets. I was sitting crisscrossed.

• 1:02:18Speaker 03

  Can I say something?

• 1:02:19Speaker 04

  On the couch.

• 1:02:20Caleb Hammer?

  Well, that's up to him.

• 1:02:20Speaker 03

  That's why I'm asking him. Can I?

• 1:02:22Speaker 04

  I was sitting crisscrossing the couch. She tries to accuse me of doing- and she says I was doing that. And I was watching [BLEEP] my phone. But I was watching YouTube. I was doing absolutely nothing.

• 1:02:31Speaker 03

  What you actually were doing?

• 1:02:32Speaker 04

  What?

• 1:02:33Caleb Hammer?

  Uh, well, but, but, you have to say yes or no.

• 1:02:35Speaker 04

  Yeah, what was I physically doing?

• 1:02:36Speaker 03

  You literally put your hand down your pants multiple times and were fondling with yourself.

• 1:02:41Speaker 04

  No, I was down. No, okay.

• 1:02:44Speaker 03

  You were actually, I saw you-

• 1:02:45Speaker 04

  Do you have evidence of it, though?

• 1:02:47Speaker 03

  That's the whole- really? That's gonna be your frickin' defense right now?

• 1:02:50Speaker 04

  No, I'm asking, no.

• 1:02:51Speaker 03

  Dude, you're not on criminal trial.

• 1:02:53Speaker 04

  Well, because you said there you have evidence of your post-

• 1:02:55Speaker 03

  Was standing there, watching, or he was talking to me through the camera. You were holding your phone in your left hand, put your hand down your pants in your right hand multiple times, and were messing with yourself, claiming you were itching. But now all of a sudden, you were just putting your hands in your pockets? So which story is it?

• 1:03:14Speaker 04

  I was itching.

• 1:03:15Speaker 03

  Were you putting your hands in your pockets or were you itching? Because your hand went straight down your pocket, or not your pockets, your pants.

• 1:03:21Speaker 04

  You can't itch. You can adjust your underwear.

• 1:03:23Speaker 03

  So now you were adjusting your underwear? Which one were you doing?

• 1:03:26Speaker 04

  I was itching and adjusting my underwear.

• 1:03:28Speaker 03

  Oh, so now you're gonna combine the two?

• 1:03:30Speaker 04

  Oh, whatever.

• 1:03:32Speaker 03

  Was in the room and-

• 1:03:35Speaker 04

  Yeah. But how do I know there's not things you don't do?

• 1:03:38Speaker 03

  Me on the camera. I was like, he was talking to me through the camera. And all of a sudden, you're just gonna reach your hand down your pants? I'm not going to, I'm- You are his father, and I will always respect you for that.

• 1:03:50Speaker 04

  No, you won't.

• 1:03:51Speaker 03

  Yes, I will.

• 1:03:52Speaker 04

  No, because according to you, I'm a terrible father.

• 1:03:54Speaker 03

  No, never said that. You say that about yourself.

• 1:03:56Speaker 04

  No.

• 1:03:58Speaker 03

  I will always respect you because you are his father.

• 1:04:01Speaker 04

  You- you-

• 1:04:02Speaker 03

  I will draw the line when it comes to shit like that.

• 1:04:05Speaker 04

  You can, so. Okay, so every time, I don't- I don't take care- I don't take care- I don't do this for [BLEEP]. I don't do that.

• 1:04:14Speaker 03

  In his bedroom vaping. And again, I saw that on the camera. No, I didn't have time to screen record because I was in the middle of routes.

• 1:04:23Speaker 04

  I did hit my vape. I have hit my vape around my kid.

• 1:04:28Speaker 03

  And I've asked you not to because your mother has blown vape smoke in his face when he was about three or four months old.

• 1:04:34Speaker 04

  And I've gotten a- and I told-

• 1:04:35Speaker 03

  I don't care. That's not the point. It's the point of no respect.

• 1:04:42Speaker 03

  I don't care if she got to smoke cigarettes in the hospital when you were [BLEEP] born.

• 1:04:46Speaker 04

  I didn't s- You didn't let me finish what I was gonna say, did you? No. You don't let me- you never let me finish anything I'm gonna say. Well, I wonder why? Maybe because you cut everybody off to get your point across, like you're something, like you're special, like you're perfection.

• 1:05:04Speaker 03

  I've told you before, I'm not perfect, but I-

• 1:05:06Speaker 04

  Like you are. You do.

• 1:05:09Speaker 03

  You gotta- you gotta show what you can and do everything else behind.

• 1:05:17Speaker 04

  Okay, so. Again.

• 1:05:21Speaker 03

  Again, what?

• 1:05:22Speaker 04

  Show me evidence you've got of everything I've done.

• 1:05:25Speaker 03

  Do you want me to pull up the pi- uh, the pictures?

• 1:05:27Speaker 04

  Well, that, but show me evidence of-

• 1:05:29Speaker 03

  Search history?

• 1:05:30Speaker 04

  Show me evidence of, um, the cheating. Show me evidence of-

• 1:05:33Speaker 03

  I have word of mouth.

• 1:05:34Speaker 04

  Word of mouth.

• 1:05:35Caleb Hammer?

  The search history lines up with the timing?

• 1:05:38Speaker 03

  I don't- you'd have to check screenshots. I don't remember the last time I looked-

• 1:05:41Caleb Hammer?

  You're the one saying-

• 1:05:42Speaker 04

  Of the last time that I'm being accused of doing something in front of my son.

• 1:05:45Speaker 03

  No, no, no, that wasn't- that wasn't having to do with this. That was just the- the history of him looking up stuff because when I would see that he would- Whenever I got a gut feeling, I would look and I- it was right. He had this whole list of that he happened to pay for a couple of months in a row while we were actually active.

• 1:06:04Caleb Hammer?

  Well, I think that's a little concerning than what was just said. I'll be honest, but yeah, that's not- not- not the best.

• 1:06:09Speaker 04

  And I canceled that.

• 1:06:10Speaker 03

  Doesn't matter. It's still the fact that you paid for it.

• 1:06:13Caleb Hammer?

  So that's what pushed you over the edge?

• 1:06:15Speaker 04

  You can have other things.

• 1:06:16Speaker 03

  It's everything from the beginning, so.

• 1:06:19Caleb Hammer?

  Well, I think that last thing would push me over the edge.

• 1:06:21Speaker 03

  Let me- let me move back to when we lived into, uh, we moved into my mother-in-law's house. The blowing the smoke in- in- in our son's face. Um, there was no respect for me as a mom. I

• 1:06:37Speaker 03

  while dealing with postpartum depression and trying to find a job.

• 1:06:44Speaker 03

  He had the gall to sit there and talk shit about me to his mom, to the point where she talks shit about me to him. And then when my mom came into town when our son turned two months old?

• 1:06:56Speaker 04

  No.

• 1:06:56Speaker 03

  Or I don't know, it was right after he got out of the hospital. He was in the hospital for almost a month.

• 1:07:00Speaker 04

  It was four weeks old.

• 1:07:02Speaker 03

  His mom was talking shit about me to my mom.

• 1:07:06Caleb Hammer?

  Ah, okay, I mean, listen, I- postpartum depression is a real thing. It's a little weird that there is not one woman that has a kid today that doesn't have it. Seems more trendy? Because it is a real thing and people do have it. But why is everyone saying they have it now?

• 1:07:24Speaker 04

  But I have stood up for her, but she never sees it.

• 1:07:27Caleb Hammer?

  Kind of like the new autism, okay?

• 1:07:29Speaker 04

  Um.

• 1:07:31Speaker 03

  That's just what I was told by my doctor.

• 1:07:33Speaker 04

  I'll sit there and get yelled at.

• 1:07:34Caleb Hammer?

  You probably have, then.

• 1:07:35Speaker 03

  See, and I was- and I was trying to battle it alone.

• 1:07:37Caleb Hammer?

  So, okay, bro, you

• 1:07:41Caleb Hammer?

  clearly you do not like how she communicates. Clearly you do not like what she does and all this stuff. And you're accused of doing something heinous and, you know, it's in your word versus hers, I guess, because you didn't screenshot, right?

• 1:07:53Speaker 03

  I didn't have time.

• 1:07:54Caleb Hammer?

  Hmm, I would heavily do that.

• 1:07:58Speaker 03

  I was on the bus, literally on the clock at work, but I was in between routes and kids were coming out to the bus.

• 1:08:03Caleb Hammer?

  But that's a- that's a screenshot. That's all that is. But like it's a-

• 1:08:07Speaker 03

  But I would have done a screen record, though. That's the thing.

• 1:08:09Caleb Hammer?

  A screenshot at a minimum. And also, cameras can rewind.

• 1:08:13Speaker 03

  Not these, because I don't pay for the-

• 1:08:14Caleb Hammer?

  Screenshot. Okay, either way.

• 1:08:16Speaker 03

  Anyway.

• 1:08:16Speaker 04

  She pays prescription for the front door camera only.

• 1:08:19Caleb Hammer?

  Why have you stuck around?

• 1:08:21Speaker 04

  Because of my son. And she's asked me that, too. And at a point, I've told her, I was sticking around for her or my son, but at this point, I have stuck around for my son and that's all. I don't care about anything else.

• 1:08:32Caleb Hammer?

  So you guys have said what has happened, following your respect. So I'm just gonna ask you bluntly, have you ever watched [BLEEP] around your child?

• 1:08:40Speaker 04

  No.

• 1:08:41Caleb Hammer?

  Why does she say you have watched [BLEEP] with your kid right next to you?

• 1:08:47Speaker 04

  No, I don't- to be honest with you, I don't know why.

• 1:08:49Caleb Hammer?

  Why has she said? Okay.

• 1:08:52Speaker 04

  Because I haven't.

• 1:08:53Caleb Hammer?

  Let me start. Has- have you ever jacked off next to your kid?

• 1:08:57Speaker 04

  No.

• 1:08:57Caleb Hammer?

  Why is she saying you jack off next to your kid?

• 1:09:02Speaker 04

  To be honest with you, I think, I don't know why she does it. To find things, to start things, or like I said, our marriage counselor does. She doesn't even start fights.

• 1:09:13Speaker 04

  I would never do anything around my kid or any other kid.

• 1:09:17Speaker 04

  Period.

• 1:09:18Caleb Hammer?

  It's just, it's so confusing. There's so many-

• 1:09:22Speaker 04

  I get up and every day I just want to take care of him. Like, some, I'm leaving the-

• 1:09:27Speaker 03

  I'm watching YouTube on your phone?

• 1:09:29Speaker 04

  Twenty-eighth, I leave.

• 1:09:30Caleb Hammer?

  Well, I mean, kettle.

• 1:09:31Speaker 04

  You watch TikTok.

• 1:09:33Speaker 03

  Right, but at the same time, he could be- and- and I'm not saying I'm- I'm holding accountability. Yes, I do play on my phone when my son is awake and whatnot, but-

• 1:09:43Speaker 04

  He's walked out of the apartment before and she- because he's walked out the front door and I've walked back in and like, good thing I was outside.

• 1:09:51Speaker 03

  Because I knew you were in the hallway. I could hear you literally just outside the front door with the dogs.

• 1:09:58Speaker 03

  I could hear you. Those apartment hallways echo. I'm not gonna just willy-nilly-

• 1:10:03Caleb Hammer?

  The thing is, I'm just saying, I don't know who to believe, because when I was poking at you at the beginning, I realized you're a [BLEEP] liar and gaslighter. And also, you're a [BLEEP] liar and gaslighter because you're saying you didn't say you threatened- you don't remember or didn't say that you threatened to kill yourself. You're both liars. I don't know-

• 1:10:18Speaker 04

  I probably have.

• 1:10:19Caleb Hammer?

  Huh?

• 1:10:20Speaker 04

  I have.

• 1:10:20Caleb Hammer?

  What'd you say at the beginning? You didn't!

• 1:10:22Speaker 04

  In the past years, part of what she was saying, I have.

• 1:10:25Caleb Hammer?

  See, I don't know who to believe. And then the [BLEEP] STD, no one can even own the STD? Cheating from a credible source, you saying no, but her saying it. It's like, guys, who's a liar, who's not? Maybe both, maybe not, maybe maybe I should kill myself.

• 1:10:41Speaker 03

  That's not true.

• 1:10:42Speaker 04

  So the source, so the source she got her credit from? Um, I don't know. Sent a group chat between me and her the very end and went off on her.

• 1:10:53Caleb Hammer?

  I need you to focus on one item again. We gotta get that shit unlocked.

• 1:10:58Speaker 04

  So, she has been the friend, her friend that said I cheated on her with-

• 1:11:06Speaker 03

  Do you know which friend you're talking about?

• 1:11:08Speaker 04

  Yeah.

• 1:11:08Speaker 03

  Which one?

• 1:11:09Speaker 04

  I do. Crazy bitch.

• 1:11:11Speaker 03

  They were both crazy. Which one? All women are crazy.

• 1:11:13Caleb Hammer?

  Didn't you say he cheated twice?

• 1:11:15Speaker 03

  No, no, just once. I was only told it one time.

• 1:11:18Speaker 04

  You got [BLEEP] that was married to somebody else and then you got [BLEEP].

• 1:11:22Speaker 03

  Who was the one that was living in the house with you and your mom?

• 1:11:26Speaker 04

  Accused me of- of sex with her. I never did. I don't know why.

• 1:11:31Caleb Hammer?

  Accused of sex with her? Who gets accused of sex?

• 1:11:33Speaker 04

  That she told her I had, that she told her I slept with her.

• 1:11:36Caleb Hammer?

  Okay.

• 1:11:36Speaker 04

  And then I know Ashley had to do a part of that, too, because I dropped off the cars to the store with Ashley.

• 1:11:41Caleb Hammer?

  Is like-

• 1:11:42Speaker 03

  Why would she lie about it? That's my point.

• 1:11:45Speaker 04

  Because she's [BLEEP] dumb.

• 1:11:47Speaker 03

  Everybody's dumb at some point in their life. They all say stupid shit. But why? Why would somebody accuse somebody of something so heinous in a relationship when she was going through shit?

• 1:11:58Caleb 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. You suck with money, so you download a budgeting app. You start with the classic one, YNAB, but everyone just deletes it because it's way too complicated to use. So you go to EveryDollar. That's Dave Ramsey, the personal finance guy, right? Well, they're gonna force you to use it his way. That's not very personal finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end? Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track- record when it comes to private data.

• 1:12:43Caleb Hammer?

  That's why I like Dollar Wise built by these people just like you for people just like you. No private equity.

• 1:12:52Speaker 00

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

• 1:13:17Caleb Hammer?

  No gimmicks, just the best budgeting app there is. Download it now. Start the free trial. Dollarwise.com link in the description below.

• 1:13:26Speaker 04

  Did she then lost her mind? I don't know.

• 1:13:28Speaker 03

  Are you a clinical psychologist? Could you, could you like clinically?

• 1:13:34Speaker 03

  Tell that she was psycho?

• 1:13:36Speaker 04

  I would literally lock. I'd go to work. I'd come home and lock myself in my bedroom just to stay away from her.

• 1:13:40Speaker 03

  That is so extra. If you felt uncomfortable in your own home, wouldn't you just tell your mom, be like, hey, mom? I'm feeling uncomfortable with the way she's dressing around here. Can we do something about it and give her a timeframe to get out of the house?

• 1:13:52Speaker 04

  I did tell her.

• 1:13:53Speaker 03

  Okay. So why don't you kept keep pushing?

• 1:13:55Speaker 04

  But I was at home.

• 1:13:56Speaker 03

  Why wouldn't you communicate that with me?

• 1:13:59Speaker 04

  I did.

• 1:14:00Caleb Hammer?

  Guys, I am going to get in just so much trouble if I do not get into the finances. But the thing is, the thing is, it's so difficult because literally, I know it's like, yeah, I could go into this at the beginning. But do you know how much context all of this changes based on everything we've learned? These are real people. This is like, you guys, I haven't met you before, but this is a real thing that's happening. And all that context helps as we're going through this. Cause now is the divorce real? Is it happening? Or is it being considered?

• 1:14:28Speaker 03

  He's moving on the 20th.

• 1:14:29Speaker 04

  I am moving. I leave texts on the 20th and drive back.

• 1:14:33Caleb Hammer?

  Okay. Well, that's good to know. Cause what the and I know it took a while to get into it, but it's actually important. Yes, it's fun drama and all that shit, but it's like.

• 1:14:42Caleb Hammer?

  It's important information. Um, so I focus, I'm going to do separate then, right?

• 1:14:50Speaker 03

  Hmm.

• 1:14:50Caleb Hammer?

  Is that the play?

• 1:14:51Speaker 03

  Kind of, because he claims that he's going to, I say claim just because I'm not trying to accuse of him not paying. But he claims that he's going to pay for half of our child's daycare. Um, but I know he's going to have to get set up in Charleston first. So I just say claim because I.

• 1:15:10Speaker 04

  I will be.

• 1:15:11Caleb Hammer?

  Huh?

• 1:15:12Speaker 04

  I will be.

• 1:15:12Speaker 03

  What?

• 1:15:13Speaker 04

  I'll be paying for half of our money.

• 1:15:14Speaker 03

  Okay. I'm just saying claim because.

• 1:15:16Speaker 04

  Our kid stuff.

• 1:15:18Speaker 03

  Okay. You can't even pay rent on time. I mean.

• 1:15:24Speaker 03

  Your car is behind.

• 1:15:26Caleb Hammer?

  You're also going to need to find a job back in Charleston.

• 1:15:28Speaker 03

  He's already got a job lined up, a boss that makes fun of him and talks shit about him.

• 1:15:31Speaker 04

  More pay.

• 1:15:34Speaker 03

  More pay? Doing what? The same thing that you said that you didn't want to do? Living with your parents again?

• 1:15:39Caleb Hammer?

  Hold on, we can cook him for so many things, but I don't understand what you're cooking him for right now.

• 1:15:43Speaker 03

  He knows.

• 1:15:44Caleb Hammer?

  Okay. Okay. You got, you have collections. Um, okay, great. This is insane. This must've been a repo. Uh, $39,051.

• 1:15:55Speaker 04

  No.

• 1:15:56Speaker 03

  Would you like to explain that or me?

• 1:15:57Caleb Hammer?

  Oh my goodness, guys, we're so far in. How could there be something more? Go on, tell me.

• 1:16:02Speaker 03

  Me or you?

• 1:16:04Caleb Hammer?

  I don't give a.

• 1:16:05Speaker 03

  So his dad decided to cheat on his wife and get, um.

• 1:16:09Caleb Hammer?

  Other like son.

• 1:16:11Speaker 03

  So the money on his credit to pay for a house in Jamaica through a scam. So he took.

• 1:16:18Caleb Hammer?

  They love you down there.

• 1:16:19Speaker 03

  What? In Jamaica?

• 1:16:22Speaker 04

  So he was taking, he was taking part, he was transferring money back and forth out of their credit card account. Until the other bank finally kicked it back and I didn't realize it and had $40,000 in credit card debt.

• 1:16:35Caleb Hammer?

  That sucks. You haven't disputed, you haven't fucking gone to law enforcement?

• 1:16:39Speaker 04

  I went through disputed everything, Navy Federal. They kicked and said, we can't do nothing about it.

• 1:16:43Speaker 03

  I literally handed the information to a lawyer that would, uh, with a retainer.

• 1:16:47Caleb Hammer?

  This sucks, but listen, if they haven't sued you yet, maybe they won't. Um.

• 1:16:53Speaker 03

  They're already threatening it.

• 1:16:54Caleb Hammer?

  They are?

• 1:16:56Speaker 03

  Uh, that's what I was told by him.

• 1:16:56Caleb Hammer?

  Well, they might, because it is a big enough balance to sue and they'll garnish your wages.

• 1:16:59Speaker 03

  But when I, when I first found out about it, I handed him the information to a lawyer with the amount of a retainer. Saying you pay this amount and he will start an investigation to, um, open a fraudulent case.

• 1:17:11Caleb Hammer?

  Gave him the money?

• 1:17:12Speaker 03

  I told him I had the money that he could use.

• 1:17:14Caleb Hammer?

  But he didn't want to?

• 1:17:15Speaker 03

  No, he didn't want to because he was so worried about his mom. But even with his mom and I having a rocky relationship, I had told him multiple times. If anything were to happen, she could move in with us. This is when we were living in our own apartment in Charleston at the time. I told him she could move in with us. I will make it work and I will figure it out. That's not a problem. But your dad has to pay for what he did. $40,000 on your fricking credit is ridiculous. Like who does that to their child?

• 1:17:41Caleb Hammer?

  Yeah. Okay. Well, he has another collections, 4,720. This looks like this was a credit card. Again, that balance is suitable, like, well, they're all suitable, but worth potential suitable. I'll come at you and I'll get a court ordered garnishment of your wages.

• 1:17:58Speaker 03

  Was that from them too, or no?

• 1:18:01Caleb Hammer?

  Well, no, well, no, that's Navy Federal.

• 1:18:03Speaker 03

  Yeah, they told the same credit union. That's what I'm saying. There was two of them that there was.

• 1:18:09Caleb Hammer?

  All right, you woman. The thing is you have interest secured on this card. So I know you're not paying it off every single month. We got a Capital One Quicksilver. What are you doing?

• 1:18:18Speaker 03

  Paying thing for things that we need or?

• 1:18:20Caleb Hammer?

  Paying for things that you need? You want to stick with that?

• 1:18:24Speaker 03

  I don't.

• 1:18:24Caleb Hammer?

  I haven't seen it yet, so I don't know.

• 1:18:26Speaker 03

  Paying for things we may have needed and then probably trying to. Yeah.

• 1:18:34Caleb Hammer?

  $25 a month, $547.42 balance. You spent 588. There wasn't one need down here. They're all highlighted, which means they're all bullshit. Not one need. Jack in the box, bullshit. Girl, curling revolving sushi, Bath and Body Works chili, Sonic Drive-In. Dig World, Sonic Drive-In. Girl, as a fellow fat, I know Sonic, that is the greasiest, least healthy, most calorically high food you could possibly ever get.

• 1:19:01Speaker 03

  If I ever go to Sonic, it's just for drinks.

• 1:19:04Caleb Hammer?

  Well, that many drinks, because that's expensive.

• 1:19:08Speaker 03

  $3?

• 1:19:09Caleb Hammer?

  Uh, dude, that Sonic is 1386. Neighborhood bar, Jack in the Box, quesadilla, Door dash $55. Neighborhood bar, Sonic Drive-In, Taco Bell, Win It's I Got Some Bullshit, Sonic and HDL. I don't know. Maybe that was the only non bullshit, but it's all bullshit. You have a late fee this year too.

• 1:19:28Speaker 03

  Well.

• 1:19:29Speaker 00

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

• 1:19:54Speaker 03

  Dig World was a new place for our son to go enjoy.

• 1:20:00Caleb Hammer?

  Huh? Go where?

• 1:20:01Speaker 03

  Enjoy. It's like a little like.

• 1:20:03Caleb Hammer?

  He can go enjoy a park. I don't give a shit. What are you talking about?

• 1:20:06Speaker 03

  It is a park.

• 1:20:07Caleb Hammer?

  Every five seconds of your life. Most parks are free.

• 1:20:10Speaker 03

  This is like a construction park.

• 1:20:11Caleb Hammer?

  I do not care. You don't have money. You are poor and you're not even paying them on time. You also have a platinum card. You better not tell me there's needs on here when there's not, like you just did.

• 1:20:23Speaker 03

  The platinum one.

• 1:20:24Caleb Hammer?

  Oh, you're over the limit. $302.

• 1:20:27Speaker 03

  The platinum one is for both of us.

• 1:20:30Caleb Hammer?

  Oh, very good. I'm glad we're not getting a divorce or anything.

• 1:20:34Speaker 03

  Well, so it's mainly, it's mainly in my name, but I put him on there to try to help build his credit.

• 1:20:39Caleb Hammer?

  Bullshit again. Starbucks, bullshit, bullshit, Jersey Mike's, uh, vending machine, Chuck E. Cheese, Chuck E. Cheese, bullshit, bullshit. Going inside the gas station, getting some bullshit.

• 1:20:49Speaker 03

  That was all him.

• 1:20:50Caleb Hammer?

  Who's vaping?

• 1:20:51Speaker 03

  Him.

• 1:20:52Caleb Hammer?

  Stop.

• 1:20:53Speaker 03

  He's the one that does all the 711 and stuff too.

• 1:20:54Caleb Hammer?

  Let's just close his credit card.

• 1:20:56Speaker 03

  That's my, well.

• 1:20:57Caleb Hammer?

  Bullshit, bullshit, bullshit.

• 1:20:58Speaker 03

  That's my plan. Once it's paid off, it's just going to get closed.

• 1:21:01Caleb Hammer?

  You can close it without paying it off. You can close it, then pay it off.

• 1:21:03Speaker 03

  I'd rather just pay it off and then close it.

• 1:21:05Caleb Hammer?

  I'd rather you close it so he doesn't use it while he's gone and not there. You can't control him.

• 1:21:10Speaker 04

  I'm leaving it here. I'm leaving that card. I've got it. My own card. I'm leaving it here.

• 1:21:13Caleb Hammer?

  Yeah. Wait till he requests a new one since he lost it. Miss payment this year.

• 1:21:16Speaker 03

  He doesn't even have.

• 1:21:17Speaker 04

  I don't, I don't have access to our account.

• 1:21:19Speaker 03

  Get into the thing. Well, I mean, technically he does. He can log into it, but he keeps saying he forgot the login.

• 1:21:25Caleb Hammer?

  He'll figure it out. If he really wants to, if he's in a bind, he will. Why not just close it? I don't get it.

• 1:21:31Speaker 03

  I'd rather just have it paid off and then close it.

• 1:21:33Caleb Hammer?

  Why? This is the same result, but less risk. Close it then pay it off. What's the logic?

• 1:21:39Speaker 03

  Don't they charge you right away if you close it? They tell you, you have to pay it right away, like the full amount?

• 1:21:44Caleb Hammer?

  No, I'm not with Capital One, not if I'm mistaken. Let me check Capital One.

• 1:21:47Speaker 03

  That's why I just decided to pay it off and then close it. I wasn't sure.

• 1:21:50Caleb Hammer?

  Knowing you and your thing.

• 1:21:54Caleb Hammer?

  Just like your stupid car loan thing.

• 1:21:57Speaker 03

  Car loan, well.

• 1:22:01Speaker 03

  I can only go by what I get told by people who are supposed to be professionals.

• 1:22:04Caleb Hammer?

  You also have access to the internet.

• 1:22:06Speaker 03

  And do you know how manipulative the internet is too? People can manipulate the internet and put whatever information they want out there.

• 1:22:13Caleb Hammer?

  Girl, this is just about columns. This isn't about some political conspiracy.

• 1:22:18Speaker 03

  But do you not understand that if you, you could, somebody can create a website that looks legit and can put whatever information they want out there?

• 1:22:26Caleb Hammer?

  You just go to random websites that have sources?

• 1:22:28Speaker 03

  No, I don't, but I'm just saying.

• 1:22:29Caleb Hammer?

  You deserve to be scanned to that point.

• 1:22:30Speaker 03

  No, I'm just saying that it can happen.

• 1:22:32Caleb Hammer?

  Why do you have late fees as well? What the fuck are we doing? Alright, you have a venture one.

• 1:22:37Speaker 03

  Because I had, um, we had to have a week off of work and I only got half a paycheck.

• 1:22:42Caleb Hammer?

  Eight hundred two, great. Balance is eight hundred two dollars and thirty-three cents. Your minimum monthly payment is twenty-five dollars. It takes five years to pay off. I hope you're still alive there.

• 1:22:51Speaker 03

  I pay larger payments when I do, um.

• 1:22:54Caleb Hammer?

  No, you just keep making the minimums. Exactly. I, I, see, how do you make up information? You make up information.

• 1:23:01Speaker 03

  If you, if you were to look further back than just what's there.

• 1:23:04Caleb Hammer?

  If you close the account, you can make minimums until it's paid off. You're not owed everything upfront. I checked out the ones.

• 1:23:09Speaker 03

  I had asked you that. That's why I said I was just going to pay it off and then close it because I wasn't sure.

• 1:23:14Caleb Hammer?

  Okay, well, now you know.

• 1:23:15Speaker 03

  Okay.

• 1:23:15Caleb Hammer?

  Uh, Nail Lounge, that's incredibly important for survival. Look at those shitty nails.

• 1:23:20Speaker 03

  Yeah, I haven't gotten them done.

• 1:23:22Caleb Hammer?

  What? That was about to go. TikTok Shop? Bullshit, bullshit. TikTok Shop, great.

• 1:23:26Speaker 03

  That was stuff for our son.

• 1:23:27Caleb Hammer?

  Critical.

• 1:23:28Speaker 03

  That was stuff for our son.

• 1:23:29Caleb Hammer?

  That he needed to survive.

• 1:23:31Speaker 03

  Stuff for his, uh, development, yes.

• 1:23:33Caleb Hammer?

  Development. What's the development he got from TikTok Shop?

• 1:23:37Speaker 03

  It's a little, like, toilet thing to help potty train him.

• 1:23:41Caleb Hammer?

  Okay, it might be fine.

• 1:23:42Speaker 03

  And then also a little, like...

• 1:23:44Caleb Hammer?

  All that may be one thing that wasn't complete bullshit.

• 1:23:47Speaker 03

  Don't you spoil yourself every once in a while? I've gotta get my nails done every once in a while.

• 1:23:50Caleb Hammer?

  If it's in the budget, that's the confusing part.

• 1:23:53Speaker 03

  At the time, I had a little bit of money.

• 1:23:55Caleb Hammer?

  Not because you were not paying off the credit cards. If you can't pay off your debts in full, it's not in the budget.

• 1:23:59Speaker 03

  I didn't expect to have a random week off of work. That's the problem.

• 1:24:03Caleb Hammer?

  What? No, that wasn't the point. That wasn't the month where you weren't paying your minimum. You still had balances that you weren't paying off in full. You were making your minimums.

• 1:24:13Caleb Hammer?

  How do I know? Because interest is accruing. Alright, you. Some Tander. Is this your car?

• 1:24:19Speaker 04

  Yes.

• 1:24:19Caleb Hammer?

  Your pass due?

• 1:24:21Speaker 04

  I know.

• 1:24:22Caleb Hammer?

  Great. What's your car?

• 1:24:24Speaker 04

  A twenty twenty Toyota Corolla.

• 1:24:26Caleb Hammer?

  Why?

• 1:24:26Speaker 03

  It's beat up.

• 1:24:28Speaker 04

  Cause I had...

• 1:24:31Caleb Hammer?

  Your pass due a shit ton. Dude, this shit must be in repo status.

• 1:24:35Speaker 03

  They threatened to repo at once and that was shortly after I found out. He had only told me that he was about one month behind, but come to find out, I think it was like three months behind or something.

• 1:24:44Caleb Hammer?

  He's seventy days delinquent at the time of the statement. Who knows what the fuck it is today?

• 1:24:47Speaker 03

  I'm not sure. I don't...

• 1:24:48Caleb Hammer?

  He owes to catch up a thousand one hundred eighty-one dollars, so his minimum payment is three thirty-four.

• 1:24:52Speaker 03

  See, and I didn't know that.

• 1:24:53Caleb Hammer?

  Hey, why are you being a?

• 1:24:56Speaker 04

  Is that, but, um, points those I was behind. I was actually out of work.

• 1:25:05Caleb Hammer?

  You're not now.

• 1:25:06Speaker 04

  No.

• 1:25:08Caleb Hammer?

  So what the fuck are we talking about?

• 1:25:09Speaker 03

  Catch up.

• 1:25:10Caleb Hammer?

  Catch up, dude.

• 1:25:11Speaker 04

  I'm catching up.

• 1:25:12Caleb Hammer?

  You guys make decent money. I really don't understand. Like, together, you guys are fine.

• 1:25:15Speaker 04

  I'm catching up.

• 1:25:15Caleb Hammer?

  If you weren't doing what you're alleged of, like, you guys would make great income.

• 1:25:21Speaker 04

  I'm catching up on that right now.

• 1:25:22Speaker 03

  There was a time, and this was pretty recent.

• 1:25:25Caleb Hammer?

  Sixteen percent interest rate.

• 1:25:26Speaker 03

  He, um, he had sixty dollars in his account. Our son had two or three diapers left, and instead of spending that money to go get diapers, he went to a vape store and spent fifty dollars.

• 1:25:38Speaker 04

  And then I went on to Uber Eats and made the money.

• 1:25:40Speaker 03

  But it's still the fact that you literally spent the money on yourself instead of taking care of our two-year-old son first.

• 1:25:46Caleb Hammer?

  Okay, you have a fourteen, two thousand fourteen Ford Focus.

• 1:25:51Speaker 03

  It's almost paid off.

• 1:25:51Caleb Hammer?

  It's almost done.

• 1:25:53Speaker 03

  I've had it since twenty twenty.

• 1:25:57Caleb Hammer?

  Okay, great. Seven-year loan. One thousand three hundred and thirty-eight dollars and ninety-eight cents left. Minimum payment, two hundred eighty-eight dollars and forty cents.

• 1:26:05Speaker 03

  It's only been extended because I've had to skip a couple of months. Because when I first got the car, COVID had just hit and I lost both my jobs at the time. And we all know COVID screwed everybody over.

• 1:26:16Caleb Hammer?

  Yeah, but also unemployment, which was like doubled, so.

• 1:26:19Speaker 03

  I didn't get that.

• 1:26:20Caleb Hammer?

  Why? Everyone did. If you lost the job?

• 1:26:23Speaker 03

  Because I started doing Uber Eats instead.

• 1:26:25Caleb Hammer?

  Well, that was your choice.

• 1:26:27Speaker 03

  I know, that's what I'm saying, but I had, that's what I did to be able to pay for the car.

• 1:26:31Caleb Hammer?

  The seventeen percent interest. Well, it's fine. It's almost paid off, right?

• 1:26:34Speaker 03

  Yeah.

• 1:26:35Caleb Hammer?

  Animal ER.

• 1:26:36Speaker 03

  Yeah, somebody...

• 1:26:38Speaker 04

  Our dog ate grapes.

• 1:26:41Speaker 03

  Somebody wasn't watching.

• 1:26:42Caleb Hammer?

  I've...

• 1:26:43Speaker 03

  So I had to pull out a almost seven hundred dollar loan to be able to take him to the hospital and get, he almost had to stay in the hospital for a few days.

• 1:26:51Caleb Hammer?

  I had grapes. I think it's bad times.

• 1:26:52Speaker 03

  Uh, they can kill him.

• 1:26:54Caleb Hammer?

  That's what I just said, basically. One hundred seventy-two dollars and seven cents a month. The O five sixteen twenty-two.

• 1:27:00Speaker 04

  And now we'll get...

• 1:27:02Caleb Hammer?

  You.

• 1:27:03Speaker 04

  Pay on that myself.

• 1:27:03Caleb Hammer?

  And other collections, nine sixty-eight.

• 1:27:06Speaker 03

  Me? That's him.

• 1:27:07Caleb Hammer?

  Him. I was trying to point to him.

• 1:27:09Speaker 03

  Oh, my bad.

• 1:27:10Speaker 04

  For nine sixty-eight?

• 1:27:11Speaker 03

  Wait.

• 1:27:12Caleb Hammer?

  This was asset care. I think you did a, like, consolidation. And then you didn't pay it. One sixty-eight, you on credit control. You did another one, like your credit builder and shit. By the way, we have much better options than all those on CalebHammer.com. Also, I'll get you both a course career certification so you can make more money on your own. People have taken course career certifications, put them on their resume and gotten six-figure jobs.

• 1:27:34Speaker 03

  How long does that take?

• 1:27:35Caleb Hammer?

  Uh, a few months. A lot of it's pacing up to you, so, alright. Yep.

• 1:27:42Speaker 03

  Okay, cool.

• 1:27:42Caleb Hammer?

  Okay, checking account, yours, six twenty-four.

• 1:27:49Caleb Hammer?

  Okay. Einstein Bros, Schlosskies, Amazon, Starbucks, bullshit, Speck's Liquor, Panda Express. Come on, dude, you're just getting bullshit. Taco Bell, bullshit, Domino's, In-N-Out, Sonic, bullshit, bullshit, Jack in the Box. Come on! I know you have time to cook. Bullshit. Starbucks, bullshit. Chick-fil-A, Starbucks, Starbucks, bullshit. Once Upon a Child, coffee, Prime Video, it's a bullet.

• 1:28:15Speaker 03

  Hey, Once Upon a Child is closed for our son.

• 1:28:17Caleb Hammer?

  Hey, good job, one out of like a thousand. Panda Express, Prime Video, Chick-fil-A.

• 1:28:20Speaker 03

  Prime Video is his.

• 1:28:21Caleb Hammer?

  Subway, shut up! Starbucks.

• 1:28:22Speaker 03

  He literally won't have the money to pay for it, so I'm the one that has to pay for it. That's for our son. He is the one that eats McDonald's.

• 1:28:31Caleb Hammer?

  Also gonna be a fat fuck who dies before forty.

• 1:28:32Speaker 03

  That is the very last thing that I can think of for him.

• 1:28:36Caleb Hammer?

  Cause you get it all on McDonald's. Same with there, same with there.

• 1:28:39Speaker 03

  No, because, what, are you talking about the daycare? The daycare had fucked up with that.

• 1:28:43Caleb Hammer?

  Starting in our joint, two hundred forty-six, we're getting bullshit! Circle K, bullshit, Chick-fil-A, Sonic, bullshit, Amazon, Playstation, bullshit, bullshit, bullshit, bullshit, bullshit. Amazon, Jack in the Box, Amazon, bullshit, Sonic, drive-in. This started with zero dollars and a Jack in the Box and cafe and cafe and bullshit and vaping and Dutch Bros and bullshit and Dairy Queen.

• 1:29:08Speaker 03

  Vaping is not me.

• 1:29:09Caleb Hammer?

  It's on your checking account, dude. You must have used it.

• 1:29:11Speaker 03

  No, I don't vape at all.

• 1:29:13Speaker 04

  That is my checking account. It's our joint account.

• 1:29:16Caleb Hammer?

  I'm gonna get your budget and then I'm gonna call...

• 1:29:18Speaker 03

  No, this is my college account.

• 1:29:19Caleb Hammer?

  Someone's secret in the post-show that you don't know about. And we're gonna confirm the cheating story or get it exposed as a lie.

• 1:29:28Speaker 04

  Alright.

• 1:29:29Caleb Hammer?

  Let's see what you really did. Let's see who knows what.

• 1:29:35Caleb Hammer?

  Okay, let's get this budget first, though.

• 1:29:39Caleb Hammer?

  Okay, your minimum monthly payments, lady, is five thirty-five forty-seven. What's your rent?

• 1:29:46Speaker 03

  Twelve ninety, um, let's see, thirteen fifteen.

• 1:29:49Caleb Hammer?

  It's gas, electric, utilities, water, all that stuff?

• 1:29:51Speaker 03

  A hundred and fifty.

• 1:29:53Caleb Hammer?

  Internet as well?

• 1:29:54Speaker 03

  Uh, forty-two. I don't have a phone bill right now and my phone's...

• 1:29:58Caleb Hammer?

  Gas from drive-drive.

• 1:30:00Speaker 03

  Uh, gas, let's say about sixty dollars a month? Wait, are you talking about gas for my car?

• 1:30:07Caleb Hammer?

  Yes.

• 1:30:07Speaker 03

  Okay, yeah, about sixty?

• 1:30:09Caleb Hammer?

  Car insurance, how much?

• 1:30:10Speaker 03

  It's about to change. Right now, it's two ninety-nine, but it includes his car, my car.

• 1:30:15Caleb Hammer?

  What's it gonna be?

• 1:30:15Speaker 03

  Rental, I don't know yet. I haven't figured that part out.

• 1:30:17Caleb Hammer?

  I'll do two hundred. Necessary food, you and the kid, you could do...

• 1:30:20Speaker 03

  I'd say about like three, four hundred a month?

• 1:30:23Caleb Hammer?

  It's because you eat it all the time. Shut the fuck up. I'm gonna do four fifty.

• 1:30:26Speaker 03

  Okay.

• 1:30:26Caleb Hammer?

  No, I'm gonna do five hundred. Meal prep, meal plan, this is for kid, this is for you, it's our TP fund, anything else to survive, school supply, stuff like that, changes the category every single month.

• 1:30:34Speaker 03

  I have a college account. I'm about to get a disbursement.

• 1:30:37Caleb Hammer?

  Cool. TP fund, two hundred dollars, medical healthcare, how many, how much for co-pays on a monthly basis?

• 1:30:42Speaker 03

  We're on Medicaid right now.

• 1:30:43Caleb Hammer?

  Gym? Why? You don't make bad money.

• 1:30:45Speaker 03

  Because I can't, I can't afford, so the, the insurance through my job is sixteen hundred dollars a month. We have a gym at the apartment.

• 1:30:53Speaker 04

  We do.

• 1:30:53Speaker 03

  We do, but we rarely get access to it. No, seriously, they've, they've literally delayed months.

• 1:30:58Caleb Hammer?

  Subscription's forty dollars. You have pets, right?

• 1:31:01Speaker 03

  Yes, one. I'm about to have, we have two, but we're splitting them, so I'm gonna have one. Dog, yes.

• 1:31:05Caleb Hammer?

  Age, health?

• 1:31:06Speaker 03

  Um, six, healthy.

• 1:31:08Caleb Hammer?

  Fifty-dollar pet insurance, how much for pet food and supplies?

• 1:31:11Speaker 03

  Um, for pet food, I'd say about...

• 1:31:13Caleb Hammer?

  And supplies, how much?

• 1:31:14Speaker 04

  Thirty dollars for fifteen pounds.

• 1:31:16Speaker 03

  It's thirty-five dollars for every two months for, um, just her.

• 1:31:20Caleb Hammer?

  Fifty, you said?

• 1:31:22Speaker 04

  Thirty, thirty-five.

• 1:31:23Speaker 03

  Thirty-five.

• 1:31:23Speaker 04

  For bag of bear food.

• 1:31:24Caleb Hammer?

  Anything else that needs to be in this budget?

• 1:31:26Speaker 03

  Probably a phone bill here soon. My, my, I got, I got a free year of phone service and it's about to run out next year.

• 1:31:33Caleb Hammer?

  Okay, you own your phone then, right?

• 1:31:34Speaker 03

  Yes.

• 1:31:34Caleb Hammer?

  Fifteen bucks helium.

• 1:31:37Speaker 03

  What's helium?

• 1:31:38Caleb Hammer?

  It's just a third-party service that uses the towers as the other ones, just as good service.

• 1:31:42Speaker 03

  Oh, great. Cheap, I like it.

• 1:31:43Caleb Hammer?

  No, it's good. You need three thousand, two dollars to survive and you make three thousand, five hundred. Okay, not bad. Okay, yeah, five hundred bucks a month to your debt and you'll be debt-free in

• 1:32:00Speaker 03

  What about childcare?

• 1:32:01Caleb Hammer?

  Seven months? Well, I asked, is there anything else in the budget?

• 1:32:04Speaker 03

  Twelve eighty?

• 1:32:06Caleb Hammer?

  That's what you said. But you pay half, right?

• 1:32:08Speaker 04

  For daycare?

• 1:32:09Caleb Hammer?

  Okay, well, at that point, you don't make enough money. When are you done with school?

• 1:32:13Speaker 03

  I just started.

• 1:32:14Caleb Hammer?

  Okay, the reality is, when's your lease up?

• 1:32:17Speaker 03

  Next

• 1:32:18Caleb Hammer?

  Very good, you're gonna move into like a, unfortunately Yeah, low income for what space you got. You're gonna move into a studio apartment.

• 1:32:27Speaker 03

  How am I supposed to do that with a kid?

• 1:32:29Caleb Hammer?

  It's a sacrifice for a bit for the sake of the kid's future.

• 1:32:32Speaker 03

  I've got less than nine hundred square feet already.

• 1:32:34Caleb Hammer?

  Okay, you're gonna move into a small place that is eight hundred square feet. We looked in DFW, we know you can find it. You're fine. You will survive. It's a temporary living situation.

• 1:32:42Speaker 03

  What about a one-bedroom? So then he can have the room?

• 1:32:45Caleb Hammer?

  You are going as cheap as you can.

• 1:32:46Speaker 03

  Okay.

• 1:32:46Caleb Hammer?

  And the kid will not, barely will remember it because you'll be in a better place by the time he's four or five. This is a very temporary sacrifice and it's worth it because right now you're negative a hundred dollars. So the moment you can move out of there, you can move into a place you can. And at that point, then you can pay off your debt. Your debt's really not that bad. You can pay it off in like six months. You just need to live in a cheaper place and you can do the childcare and everything. Right now, your debt might be going up unfortunately, or you just need to work more hours because you're given the opportunity to do so as much as you can.

• 1:33:13Speaker 03

  Yeah, and they're giving me more hours already. I've already talked to them.

• 1:33:16Caleb Hammer?

  Anything else you put towards your debt, or really you needed, you needed downside your living?

• 1:33:21Speaker 03

  Okay.

• 1:33:22Caleb Hammer?

  And then pay off your debt, get a fully funded emergency fund, and then you can move up to like a one or two bedroom. And you can live a fine life, fifty, thirty, twenty, fifty percent I need, thirty percent I want, twenty percent to retirement. You, you're not as complicated. You have one debt to pay off. The other collections I'm not freaking about until they actually sue and at that point, I would actually seek legal advice. That's all I would do for you. All right, guys, here's the reality. We're gonna call the friend in the post-show. And we're gonna see if he cheated. Let's get the Hammer Financial Score. I'm just going off of you. Eh, well, let's go off of you guys combined. Uh, because it was intertwined, intertwined, so I can't really do anything else.

• 1:34:00Caleb Hammer?

  Spending in a budget, oh, you ever spent? Zero, ten. Debt, there's collections, zero, ten. Emergency fund, I didn't see anything. Zero, ten, retirement, nothing. Zero, ten, real estate, nothing. Zero, ten.

• 1:34:08Speaker 03

  I have a retirement through my job.

• 1:34:10Caleb Hammer?

  Well, why didn't you give it to me?

• 1:34:12Speaker 03

  I didn't know how to get the paperwork. It's

• 1:34:13Caleb Hammer?

  You ask.

• 1:34:14Speaker 03

  G R S.

• 1:34:16Caleb Hammer?

  Yep, other people have given that to us. How much is in there?

• 1:34:19Speaker 03

  They take, uh, almost two thousand right now because I just started with the job.

• 1:34:23Caleb Hammer?

  Well, actually twenty-five, but if we combine it's thirty-seven. You're bored?

• 1:34:27Speaker 04

  No.

• 1:34:28Caleb Hammer?

  One out of ten. Get your Hammer Financial Score at CalebHammer.com. This is a point five out of ten with it rounded. I'll see you in the post-show. Click that join button to join Hammer Elite, the best membership on YouTube. That's why there's over a hundred forty thousand active members on there or the Hammer Elite app, wherever you want to be, here on YouTube or there. It's the same membership. We've got three premium, high-quality shows every single day, six days a week in the Hammer Elite Network. Check it out. See you in the post-show. But I would like you to tell me who

• 1:34:52Speaker 03

  One of my old friends from high school.

• 1:34:53Caleb Hammer?

  He says, "Did what I say turn you on?" She says, "I don't know. You're not home to find out." He says, "Do you love me or something? Do you have feelings for me?" She says, "Yeah."

• 1:35:04Speaker 04

  Did you sleep with

• 1:35:06Speaker 03

  No, we were just doing frickin' homework.

• 1:35:08Caleb Hammer?

  Ah, ah, fuck that, fuck, fuck that, it's so done, it's so [bleep] done, it's so done, it's so done!

• 1:35:16Speaker 04

  I should go for focus, he did my son, take him back to Charleston.

• 1:35:19Caleb Hammer?

  I just launched the brand-new Hammer Elite app, available on every major platform. So you can watch every show anywhere you want. You'll get three exclusive, dedicated shows every single day, Monday through Saturday. Refer a friend after you sign up and you get an additional thirty days of Hammer Elite access for free. Download the Hammer Elite app by using the link in the description or pin comment down below. This is the best membership you'll ever join, and that's a promise. I want you to be on the next episode of Financial Audit right here in Austin, Texas. If you think you have interesting finances with an interesting personality, or a story, or a life, or relationship, I will personally pay you to take time off of work, fly you down to Austin, get you personal transportation, a hotel, food,

• 1:35:59Caleb Hammer?

  and we'll have a great time hanging out. Go to CalebHammer.com/apply or click that link in the description below.

• 1:36:05Speaker 01

  Now, more than ever, we need someone on our side. But Rob Whitman? Whitman's votes drove up costs, cut Medicaid, and risked three hundred fifty thousand Virginians' healthcare to pay for tax breaks for himself and his donors. He's not on our side. Shannon Taylor will fight corruption, cut taxes, and bring down costs. This November, vote for Shannon Taylor. She's for us. Paid for by HMP, the House Majority PAC dot com. Not authorized by any candidate or candidate's committee.