Childish Couple Won’t Stop Cheating On Each Other | Financial Audit

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

• 0:00Speaker 00

  I don't know what I'm doing. Need a break. Forget it, I quit.

• 0:03Speaker 01

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• 0:05Speaker 02

  This is objectively fantastic.

• 0:07Speaker 01

  Relax into the movies and shows you already know and love, all for free. Swing! Even our news is uplifting.

• 0:13Speaker 00

  You stay classy, San Diego.

• 0:14Speaker 01

  Watch Tommy Boy, Crazy Ex Girlfriend, Anchorman: The Legend of Ron Burgundy, The X-Files, Wayne's World, and so much more. We're not worthy! The best things on TV really are free.

• 0:24Speaker 02

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• 0:26Speaker 01

  Escape to Pluto TV. Stream now, pay never.

• 0:30Speaker 03

  Para los grandes, para los chicos, para los bajos y los altos, los pacifistas, los valientes. Para los optimistas y los pesimistas, los que valoran lo de adentro. Para los que están lejos, los que no ven de lejos, y los que no ven de cerca. Para los introvertidos y los extrovertidos, para los que piensan y los que hacen. Para los que nos mostraron el camino. Coca-Cola. Para todos. Compra una Coca-Cola en una tienda cerca de usted.

• 1:00Caleb Hammer?

  To watch episodes of Financial Audit a week earlier, check us out on YouTube. You [bleep] best friend.

• 1:04Speaker 05

  It was a threesome!

• 1:05Caleb Hammer?

  Oh my god.

• 1:06Speaker 02

  No, that's not what it was.

• 1:07Caleb Hammer?

  We cheating again?

• 1:08Speaker 05

  We'll see.

• 1:09Caleb Hammer?

  I'm not surprised. Look where you are. You're a joke. You're an embarrassment.

• 1:12Speaker 05

  That's why I'm here, right?

• 1:13Caleb Hammer?

  You cheat on people. That's why you're here.

• 1:15Speaker 02

  This is what I deal with.

• 1:15Speaker 05

  So let's talk about the manager at McDonald's.

• 1:18Speaker 02

  Too hot. I slept with my manager.

• 1:20Caleb Hammer?

  Oh my!

• 1:21Speaker 02

  Yeah.

• 1:21Caleb Hammer?

  [bleep] you guys are massive. You guys [bleep] like each other? Download my new simpler budget app today and take control of your money once and for all.

• 1:33Speaker 02

  My name is Sierra. I'm 31.

• 1:35Speaker 05

  And I am Jordan, and I'm 24, and we live in Addison, Texas.

• 1:38Speaker 02

  And this is Financial Audit.

• 1:41Caleb Hammer?

  Hey, thanks for coming down from Addison, a place I've never heard of, but that's okay. Uh, let's start with you. What do you do for... well, first of all, are we married?

• 1:50Speaker 02

  No.

• 1:50Speaker 05

  Working on it, yeah.

• 1:52Caleb Hammer?

  Oh, okay. Yeah, I was like getting some vibes. I was like, wait, are we married? And I didn't even know, so I had to ask. Okay, when did we get engaged?

• 2:00Speaker 05

  Back in August.

• 2:03Caleb Hammer?

  What?

• 2:03Speaker 05

  The, the end of August. It was the 29th.

• 2:06Caleb Hammer?

  So we're trying to get into this marriage situation with, you know, good financial foothold? I like that. That's good. So when are we getting married?

• 2:14Speaker 05

  We're trying to do April 12th.

• 2:16Caleb Hammer?

  Trying?

• 2:17Speaker 05

  Yeah.

• 2:17Caleb Hammer?

  What is trying?

• 2:20Speaker 02

  We kind of announced it and then I kind of like took it back just because we're not really sure what we want to do.

• 2:26Caleb Hammer?

  Like for the wedding, is that what you're saying?

• 2:28Speaker 02

  Like I want to just go down to the court. I've been married before and I got divorced.

• 2:31Caleb Hammer?

  You've been married before?

• 2:32Speaker 02

  Yeah, so I would rather just-

• 2:33Caleb Hammer?

  You're thirty one, okay, you've had a bit more time.

• 2:35Speaker 02

  Yeah, well.

• 2:37Caleb Hammer?

  A bit more time, well than a twenty four year old.

• 2:39Speaker 02

  Yeah, yeah.

• 2:40Caleb Hammer?

  I'm almost thirty, we're in the same boat. Listen, I haven't gone through a divorce or marriage in thirty, so I get it.

• 2:45Speaker 02

  Well, the divorce part, the marriage is fine.

• 2:47Caleb Hammer?

  The divorce, wait, when did you guys get together?

• 2:50Speaker 02

  Uh, it'll be three years we've been together in March.

• 2:53Caleb Hammer?

  Three years, okay, when were you married?

• 2:55Speaker 02

  Uh, see, that's like a blur because it wasn't a good marriage, so like-

• 2:59Caleb Hammer?

  It wasn't a good marriage?

• 3:00Speaker 02

  No, um, it was around two thousand seventeen when I had my son.

• 3:05Caleb Hammer?

  It's your son. Wait, was it a dude or a chick?

• 3:09Speaker 02

  It was a dude.

• 3:10Caleb Hammer?

  Oh, you were married to a guy?

• 3:11Speaker 02

  Yeah, unfortunately, yeah.

• 3:13Caleb Hammer?

  Unfortunately?

• 3:13Speaker 02

  Yeah. Clearly, I don't like men, but-

• 3:17Caleb Hammer?

  We realized the helmet of the hood wasn't the way to go, okay, that's fair. All right, well, okay, well, okay, I'm curious about that. We'll dive into your guys' backstory. First, I just, let's start with you, Sierra. What do you do for a living?

• 3:30Speaker 02

  I am a leasing manager.

• 3:32Caleb Hammer?

  Okay, for like an apartment?

• 3:33Speaker 02

  Yeah, for apartments.

• 3:34Caleb Hammer?

  What do you make?

• 3:35Speaker 02

  Um, I just got a raise, so twenty dollars an hour.

• 3:38Caleb Hammer?

  How many hours a week are we working?

• 3:39Speaker 02

  Forty.

• 3:40Caleb Hammer?

  Paid time off?

• 3:41Speaker 02

  No.

• 3:41Caleb Hammer?

  Okay, so how many weeks should we essentially, what's your take home on a monthly basis, just normally?

• 3:45Speaker 02

  Um, around thirty one hundred.

• 3:47Caleb Hammer?

  Okay, thirty one, is this close to a major metro? Is this in a major metro?

• 3:53Speaker 02

  It's up by Dallas.

• 3:54Speaker 05

  Yeah.

• 3:54Caleb Hammer?

  So it's by Dallas, okay, so the cost of living's a little on the upper for the Texas area, but, and what do you do for a living?

• 4:00Speaker 05

  Uh, I work at a warehouse.

• 4:02Caleb Hammer?

  Okay, what do you, what do you make?

• 4:03Speaker 05

  Currently, right now, um, I'm making seventeen fifty.

• 4:08Caleb Hammer?

  Okay, how many hours?

• 4:10Speaker 05

  Uh, forty as well.

• 4:11Caleb Hammer?

  All right, what do you do at the warehouse?

• 4:13Speaker 05

  Um, it, it depends on the day. I, I either pick or I ship or I help do coordinator stuff. I'm kind of all over the place.

• 4:21Caleb Hammer?

  Okay, so the masculine does manual labor?

• 4:24Speaker 05

  Yeah.

• 4:25Caleb Hammer?

  Okay, this is a bit racist, guys, I'll be honest, but very good. What hits your account on a monthly basis?

• 4:33Speaker 05

  Um, that's a good question.

• 4:35Speaker 02

  It is a good question, huh?

• 4:36Speaker 05

  Yeah.

• 4:37Caleb Hammer?

  How's that a good question? What do you mean? And then what are you saying? What is that?

• 4:40Speaker 02

  She doesn't know. Um.

• 4:44Caleb Hammer?

  You're gonna get married with someone who doesn't know their income? Do you know her income? You're getting married. You've been together for three years.

• 4:52Speaker 02

  Yeah, it's around like two thousand.

• 4:56Speaker 02

  Yeah, that sounds about right.

• 4:57Caleb Hammer?

  How do you not know?

• 4:59Speaker 02

  Um, I kinda just, you know, just hope for the best, pay bills and.

• 5:04Caleb Hammer?

  What is the dynamic here? I feel like, oh, well, we're gigglers. Okay, that's fine. I get it.

• 5:11Speaker 02

  I have like budget templates and I watch, I try to keep up with the budget and focus on finances and know how much I have come in.

• 5:17Caleb Hammer?

  Okay.

• 5:18Speaker 02

  And kinda plan my paycheck so I know where it's going. She just kind of, I tell her what I need and she gives it to me, if she can give it to me.

• 5:25Caleb Hammer?

  Okay, I see. So one person financially educated, wanting to do well and the other, what would you say?

• 5:33Speaker 02

  Um, look, I'm just taking off the training wheels and learning how to.

• 5:38Caleb Hammer?

  Why?

• 5:38Speaker 02

  I don't know, I was just.

• 5:41Caleb Hammer?

  How long have you been making money?

• 5:42Speaker 02

  Um, since I was sixteen.

• 5:46Caleb Hammer?

  So what's going on? Why is it taking, why are you making off the training wheels eight years later?

• 5:51Speaker 02

  Um, I just don't know how to use a budget.

• 5:56Caleb Hammer?

  Never looked up a YouTube video?

• 5:59Speaker 02

  No.

• 5:59Caleb Hammer?

  And that's okay. Honestly, that's what, that's why we put together our budgeting program, because there's like a billion pieces of information out there. It's hard to wade through what's actually right. You know, everyone does it in a different way. Okay, so obviously go through that class together. So you guys are on the same page. Are we on the same page related to finances? I mean, you could be an anchor in the relationship depending if we're headed into the marriage like this.

• 6:22Caleb Hammer?

  Ooh, are we on the same pages with at least understanding our goals, what our finances are?

• 6:27Speaker 02

  Yeah, we talk about our goals.

• 6:28Caleb Hammer?

  And?

• 6:29Speaker 02

  I stick to them. I don't know about her, because we don't share a bank account, so I really don't know.

• 6:32Caleb Hammer?

  Are you guys ready for marriage if we're, okay, okay.

• 6:36Speaker 02

  That's why I said we're gonna have a long engagement.

• 6:37Caleb Hammer?

  You already had a marriage end.

• 6:39Speaker 02

  Yeah.

• 6:40Caleb Hammer?

  Should we really be going into a marriage if?

• 6:46Caleb Hammer?

  Doesn't it sound like you guys already, at least from the financial communication sake?

• 6:49Speaker 02

  Financials, no. That's part of the reason too. That's why we don't have a joint bank account and I'm not getting one. Until

• 6:55Caleb Hammer?

  Why?

• 6:56Speaker 02

  She figures it out.

• 6:57Caleb Hammer?

  Okay, how's she gonna figure it out? Okay, I need information here. Describe what is happening.

• 7:02Speaker 02

  Well, if I, if I have a joint bank account, all my money's in that account and I know what needs to be in there and what's coming out and she doesn't. She could just like spend too much and then we're like back in the same predicament of not having money.

• 7:12Caleb Hammer?

  Why aren't we sitting down and talking about it then? Going through transactions, understanding where things are and then deciding together where we want to be on them. Okay, so what's the issue?

• 7:21Speaker 05

  I just have stuff that randomly comes out.

• 7:25Caleb Hammer?

  Like what?

• 7:26Speaker 05

  Um.

• 7:26Caleb Hammer?

  What is the stuff that randomly comes out?

• 7:29Speaker 05

  So it's either my Apple storage or

• 7:34Caleb Hammer?

  Okay, why is it not in the budget then? We can put it in the budget.

• 7:37Speaker 02

  Which we do. She just never knows the date.

• 7:39Caleb Hammer?

  Oh, then that's not random stuff.

• 7:40Speaker 02

  Yeah, she never knows the date.

• 7:41Caleb Hammer?

  Well, you do if you look, if you guys sit down. We don't need to, don't need to rage. Only five minutes in. If

• 7:49Caleb Hammer?

  if we are sitting down and looking at our last month, we would know the date. If we sit down and do it, you say you sit down and do it. Obviously not. If we don't know that, what do you, what do you mean?

• 8:01Speaker 02

  I've made her a calendar. I've made her a Notion template. I've made her a Google Sheets template. I made her a bunch of things.

• 8:07Caleb Hammer?

  Alright, before, we will not allow you guys, I mean legally we will, but we will not allow you guys to leave this place and tell you guys, download the simpler budget app, the one we created. You guys will create an account. Eventually we'll have shared accounts, but you guys will create a single account under an email. You guys are gonna start budgeting this and seeing what your household looks like, okay? And you guys get obviously the premium version for free forever as guests, so make sure you go through all the education, automatic account connections, all that good stuff. Work with the financial professionals that are in there. Do all the good stuff. You don't leave until you do that. If we can't even sit down and random stuff, what's random stuff? You would see that in this. Why have you never just used the budgeting app? You would see it. You would see, it would tell you. It would tell you.

• 8:53Speaker 05

  Well.

• 8:54Caleb Hammer?

  No answer for that. Why haven't you put in a step, just an effort? It sounds like your fiance has built out, has built out templates for you to use, had built out resources for you to use. Why have you never tried?

• 9:12Speaker 05

  Um, I feel like my issue is either I'm just lazy or I just don't.

• 9:18Caleb Hammer?

  What?

• 9:18Speaker 05

  Like.

• 9:19Speaker 02

  Not you saying lazy, you just. I just think it's because of how she grew up a little bit. Like my, I was, my mom was a single mom. It was just me, luckily for her versus multiple kids, but it was just me and her and she figured it out. So I kind of saw the struggle, but she came from like a two parent household in a nice house. They have a business. I think they're good with money and they would always go on vacations to Vegas and here and there. And she would just, she spent like 80 bucks on a pair of pants in Vegas and she was okay with that.

• 9:47Speaker 02

  So I just think her lifestyle.

• 9:48Caleb Hammer?

  Was it in the budget? Again, if we budgeted.

• 9:51Speaker 02

  This was back when she was with her parents.

• 9:52Caleb Hammer?

  Do you have all this debt? Cause there's a lot of debt here and there's lots of stupid debt, like almost like micro little payday loans. Is this just you?

• 9:59Speaker 02

  No.

• 10:00Caleb Hammer?

  Oh, then what the, who, what, what kind of moral high horse are you on? Thirty one, if you have this kind of debt, this, none of this is good debt. This is all you destructive, end of the world debt. So.

• 10:14Caleb Hammer?

  What are we talking about here? Why, why are you positioning yourself as this moral? Figurehead?

• 10:20Speaker 02

  Because I'm older and plus all her debt is.

• 10:23Caleb Hammer?

  Wouldn't you being older and having stupid debt be even worse than someone young figuring out for the first time and having stupid debt?

• 10:29Speaker 02

  No, because some of my debt has come from her since we've been together.

• 10:32Caleb Hammer?

  Whoa, wow. Okay. Like what? What does that mean? We're not, okay. Why, why do you not think so?

• 10:38Speaker 05

  Um, cause she decides to use all these apps.

• 10:44Speaker 02

  And she uses earning, she uses.

• 10:47Caleb Hammer?

  And you put yourself on that high horse.

• 10:51Speaker 02

  I can pay my rent. She cannot cover her rent. I'm borrowing money to cover bills. Earning like every app. Our rent is not cheap. Our rent is not cheap.

• 11:01Caleb Hammer?

  What's your rent?

• 11:02Speaker 02

  It's eighteen fifty.

• 11:03Caleb Hammer?

  That is not cheap.

• 11:04Speaker 02

  So when we split it, it's, we have to have it split. That was the conversation we had before we moved. Cause in New York, it was a lot cheaper. It was ten twenty-five and we were in a town home. I was able to afford everything by myself.

• 11:14Caleb Hammer?

  New York, you guys were in, when did you guys come down to Dallas?

• 11:17Speaker 02

  Um, about two years ago.

• 11:18Caleb Hammer?

  Why?

• 11:19Speaker 02

  So my ex-husband was stationed in New York. And then when we got divorced.

• 11:23Caleb Hammer?

  So things seem to have stemmed from this. Um, okay. Tell me that situation. Let me get a little Caleb Springer in here.

• 11:30Speaker 02

  Let's tell him. So we were.

• 11:32Caleb Hammer?

  Oh, okay. Well now, okay. Well now you're making it sound like this is actually, alright.

• 11:38Speaker 02

  We were, we met here. We went to high school together. I had, um, my daughter, the, her father disappeared.

• 11:43Caleb Hammer?

  How old's your kid?

• 11:44Speaker 02

  Uh, ten and seven.

• 11:46Caleb Hammer?

  Two kids?

• 11:47Speaker 02

  Yep, she got two.

• 11:49Caleb Hammer?

  She got two. You don't consider them yours?

• 11:51Speaker 02

  Yeah.

• 11:51Caleb Hammer?

  I know you're not married yet, but, okay.

• 11:54Speaker 02

  Anyway, so we were there. He got, wanted to join the military randomly. I supported him. So then we got stationed in New York. We were in New York. We were in, we were married. Everything was decent, I guess. And then I'm, was working at McDonald's and.

• 12:11Caleb Hammer?

  You got divorced because you were working at McDonald's? I'm a little.

• 12:14Speaker 02

  Yeah, but, but let's talk about the manager at McDonald's. So the manager, the manager at McDonald's was, um, a woman.

• 12:24Speaker 02

  She was very, she was hot. I slept with my manager.

• 12:28Caleb Hammer?

  Well, you were with your husband.

• 12:30Speaker 02

  He gave me permission. He gave me permission.

• 12:33Caleb Hammer?

  What does that look like?

• 12:34Speaker 02

  I just asked him.

• 12:35Caleb Hammer?

  You said, can I [BLEEP] my boss? And he said, yes?

• 12:37Speaker 02

  Basically, in so many terms, yes. Because.

• 12:40Caleb Hammer?

  No, no, no. What did he say?

• 12:41Speaker 02

  He literally just said yes.

• 12:42Caleb Hammer?

  To what? What, did you ask him?

• 12:44Speaker 02

  Well, I asked him if I could kiss her. Well, what is that gonna lead to? We're adults.

• 12:48Caleb Hammer?

  You didn't ask him if you could [BLEEP].

• 12:50Speaker 02

  Same thing.

• 12:51Caleb Hammer?

  It's.

• 12:51Speaker 02

  No, it's not.

• 12:52Caleb Hammer?

  It's kissing.

• 12:54Speaker 02

  What does kissing lead to? What is, come on, what does kissing lead to?

• 12:57Speaker 05

  Two separate things.

• 12:58Caleb Hammer?

  Yeah, but you asked to kiss, you didn't ask to, I don't know, I don't think.

• 13:01Speaker 02

  Well, then I asked to stay the night, he said yes to that too, so.

• 13:03Caleb Hammer?

  Like kissing doesn't equal anal, I don't know, like, they're not on the same spectrum.

• 13:08Speaker 02

  Well, then I asked to stay the night and he said yes, but I was struggling with my sexuality. My mom was a little homophobic for a little bit. And I wanted to just, I thought I had to be with men, I mean, I was living with my mom, she was, that was my mom.

• 13:19Caleb Hammer?

  You had two kids with this guy and you cheated on him?

• 13:21Speaker 05

  No, it is two separate baby daddies.

• 13:25Caleb Hammer?

  Who the, where the, who's the other dude?

• 13:27Speaker 02

  I got pregnant at nineteen, after high school.

• 13:29Caleb Hammer?

  With another person?

• 13:30Speaker 02

  Yes.

• 13:31Caleb Hammer?

  This was not the husband?

• 13:32Speaker 02

  Not the husband.

• 13:33Caleb Hammer?

  Oh my gosh.

• 13:33Speaker 02

  And he, we were actually really good, he named her, he was there for her and everything, but he just got scared and skipped out.

• 13:38Caleb Hammer?

  Or is he not, oh.

• 13:39Speaker 02

  Yeah.

• 13:39Caleb Hammer?

  Did you get child support?

• 13:41Speaker 05

  Nope.

• 13:41Speaker 02

  Nope.

• 13:41Caleb Hammer?

  Why?

• 13:42Speaker 02

  He's working under the table, so I haven't gotten anything.

• 13:45Caleb Hammer?

  You haven't tried to pursue?

• 13:46Speaker 02

  I have, yeah.

• 13:47Caleb Hammer?

  And?

• 13:48Speaker 02

  Haven't gotten anything back yet, but he was, he's, I think in jail right now, so I'm, yeah. It's a good way to get him.

• 13:54Caleb Hammer?

  You tried to make him sound like he's a good person? No, he's in jail.

• 13:56Speaker 02

  When it comes to his daughter, yes.

• 13:58Caleb Hammer?

  Why is he in jail?

• 13:59Speaker 02

  I don't know.

• 13:59Speaker 05

  Um, he's dumb.

• 14:00Caleb Hammer?

  You don't know what your baby daddy, okay.

• 14:02Speaker 02

  No, cause he.

• 14:03Caleb Hammer?

  So you cheated on a man, so when was the divorce? Why, why was the divorce?

• 14:08Speaker 02

  Well, it was because.

• 14:09Caleb Hammer?

  With a McDonald's manager?

• 14:11Speaker 02

  Mm-hmm.

• 14:12Caleb Hammer?

  And I talk about like Mickey D's, I talk up to Mickey D's, nothing wrong going and dropping some fries for a bit. It's actually, you know, relatively decent benefits as well, if you're willing to kind of stick it out.

• 14:21Speaker 02

  I was working there and I liked it, it was a major pay.

• 14:22Caleb Hammer?

  But sleeping with your manager at Mickey D's, what are we doing?

• 14:25Speaker 05

  Hey, she, I guess she wanted the pay raise.

• 14:31Speaker 02

  I got promoted to the top, just because I'm a good worker, don't even.

• 14:36Speaker 05

  Really? Okay.

• 14:37Caleb Hammer?

  I don't think your fiance believes this.

• 14:40Speaker 05

  Cause you, you went from just being regular to being a.

• 14:43Speaker 02

  Well, at least, you know, he's not still calling like yours is, anyways.

• 14:48Caleb Hammer?

  You had a man as well?

• 14:49Speaker 05

  No, it's my ex-girlfriend, she calls me, I don't call her ID still.

• 14:55Speaker 02

  Still, still.

• 14:56Caleb Hammer?

  Did you cheat on her too?

• 14:59Speaker 05

  Ah, yeah.

• 15:01Caleb Hammer?

  Actually.

• 15:03Speaker 05

  Yeah, but look, look.

• 15:04Caleb Hammer?

  Lori? This is fucking insane, guys, what are we doing?

• 15:08Speaker 05

  Tip for tat, look, she did it first.

• 15:10Caleb Hammer?

  Tip for tat, clit for clit?

• 15:12Speaker 05

  Yeah. So she did it, so I was gonna do it back, but then it got to the point that she. My best friend.

• 15:21Speaker 02

  Who was a man.

• 15:22Speaker 05

  Who was a man.

• 15:23Speaker 02

  Yeah.

• 15:23Speaker 05

  And then, then they both lied about.

• 15:25Speaker 02

  Yeah. Who she was friends with.

• 15:28Speaker 05

  Yeah.

• 15:29Speaker 02

  Yeah.

• 15:29Caleb Hammer?

  What legitimately what is wrong with you guys? Like a little, I mean, it's okay. Or I haven't fun digging through a little bit of tea, but what the cheating is like the most disgusting thing. Business owners, you're making money, but do you actually know where it's going? If you're consistently scrambling to cover payroll, taxes and expenses, send a clean up for cash flow with today's sponsor. Relay. Relay is a business banking account and money management platform that puts you in total control of your business finances. The best part, there are no monthly fees or minimum balances, just a simple way to stay on top of your money without the chaos. And here's how it works with relay, you can open up to 20 checking accounts for free. That means you can separate your money for payroll, taxes, operating expenses, and most importantly, your paycheck.

• 16:13Caleb Hammer?

  No more guessing what's left to pay yourself at the end of the month. With relay, you'll know exactly where your cash is going, but it doesn't stop there. Relay automates your cash flow. You can set rules to automatically move your money between accounts. So you're never caught off guard when taxes and debts or when payroll comes due. Here's the kicker relay's new savings rates are up to 3.76% APY. That's more than most banks are offering right now, and there's no need to jump through hoops to earn it. With competitive interest rates like this relay makes sure your money isn't just sitting there. It's working for you and unlike most banks, you're not stuck moving funds around to earn interest. It's all built into your account and the best part, you can set up automated transfers to move excess cash from your main accounts straight into savings.

• 16:57Caleb Hammer?

  Whether it's once a week or once a month, relay keeps your savings growing without you having to think about it. Everything is online and easy to manage from your phone. No monthly fees, no minimum balances, just full control of your cash flow. So take charge of your business's finances today. Go to relay FI.com slash Caleb Hammer to sign up and get a hundred dollar bonus. When you open and fund your account, seriously, stop guessing where your money is going. Get organized with relay and your future self will thank you.

• 17:24Speaker 02

  I felt bad. I really did. I told him about it.

• 17:26Caleb Hammer?

  Boo hoo.

• 17:27Speaker 02

  About it.

• 17:29Caleb Hammer?

  Yeah, but you, you're kind of a piece of, I mean, both of you. You're cheaters, not and actually not kind of you are pieces of cheating is disgusting. Never once even like considered. That I just don't get it. And while you have a kid with him?

• 17:44Speaker 02

  Yeah.

• 17:44Caleb Hammer?

  And is revenge cheating? What the are we guys? So how the how in what world are you guys confident going in this marriage together? That there isn't going to be another and woman in each other's arms some random day? You guys are both cheaters. How can we trust each other? No, you don't have combined accounts? We can't trust each other in a single.

• 18:10Caleb Hammer?

  I don't know. You guys are kind of gross. Come on. How can you guys trust each other? Can you?

• 18:18Speaker 02

  It's different with us.

• 18:19Caleb Hammer?

  How? Yeah, go on. You had a kid with two.

• 18:22Speaker 02

  Relationship.

• 18:22Caleb Hammer?

  Go on.

• 18:23Speaker 02

  I was just dealing with a lot of things, but we did try to work it out.

• 18:26Caleb Hammer?

  You will deal with things. You're thirty one. There's many decades to deal with things.

• 18:29Speaker 02

  Well, we were. I was younger. It was like.

• 18:31Caleb Hammer?

  Hey, I'm gonna let you guys know. Lesbian couples, marriage, highest divorce rate in the nation.

• 18:37Speaker 05

  Never knew that.

• 18:38Caleb Hammer?

  I don't that you all already has the keys in the ignition.

• 18:41Speaker 02

  That's not like everybody, though.

• 18:42Caleb Hammer?

  Huh?

• 18:43Speaker 02

  That's not everybody. There's like successful marriages.

• 18:45Caleb Hammer?

  Yes, there are, but it's the highest rate on TikTok.

• 18:48Speaker 02

  Yeah, TikTok, YouTube. There's like the couples.

• 18:51Caleb Hammer?

  So how is that?

• 18:55Caleb Hammer?

  How? You're thirty one, dude. How are you basing successful marriages off of? There are some people together on TikTok.

• 19:02Speaker 02

  You can see it, though. It's not like everybody.

• 19:04Speaker 05

  People meet on TikTok.

• 19:05Speaker 02

  Military marriages and divorce all the time, too.

• 19:07Speaker 05

  Met on TikTok.

• 19:07Caleb Hammer?

  You guys met on TikTok?

• 19:08Speaker 05

  Yeah.

• 19:08Speaker 02

  Yeah.

• 19:09Caleb Hammer?

  How does that even happen?

• 19:10Speaker 05

  Look, I one of my videos went on her for you page and.

• 19:15Caleb Hammer?

  Which you guys won't know because we do not allow people to plug their here. This is not a clout chase.

• 19:20Speaker 05

  And and then she started blowing up my TikTok because I started getting a lot of following. And then from there, I I DM'd her and then I basically went to go visit her one time.

• 19:33Caleb Hammer?

  Who'd you cheat on to go visit her?

• 19:36Speaker 05

  Nobody then.

• 19:37Caleb Hammer?

  Did you actually?

• 19:39Caleb Hammer?

  I'm just a little nervous headed into this marriage. I want to have this financial conversation, how to get out of debt, how we should prepare for this marriage. But I mean, would it surprise you if after this 18 minutes that we've been talking or whatever, that through the language and conversation we've had, I have zero confidence that you guys are going to be together for twice as long as you've been together now. Zero. You've had two kids with different dudes and have cheated on one of them. You've cheated on another. What are we doing? Rolling the dice. And then you say it's different. Why is it different? Because some people have successful marriages on TikTok? Was your last relationship on TikTok?

• 20:17Speaker 02

  Yeah, it was.

• 20:19Caleb Hammer?

  There you go. Are you kidding me? So clearly that doesn't work.

• 20:24Speaker 02

  Yeah, we were viral. Like I was on Facebook, YouTube, everything because of our TikToks.

• 20:28Caleb Hammer?

  You and the dude?

• 20:29Speaker 02

  No, the manager from McDonald's.

• 20:32Caleb Hammer?

  Oh my.

• 20:33Speaker 02

  Yeah.

• 20:33Caleb Hammer?

  You guys are messy.

• 20:35Speaker 02

  I posted a video and we got like a million views.

• 20:37Caleb Hammer?

  Messy.

• 20:38Speaker 02

  I mean, it can get even messier because she DM'd actually her and my ex-husband and my best friend.

• 20:43Caleb Hammer?

  The manager of the McDonald's?

• 20:45Speaker 02

  Yeah. She DM'd all of them.

• 20:47Speaker 05

  But it's okay. I got, I made four different TikToks and got her account blocked and removed from TikTok.

• 20:54Caleb Hammer?

  What?

• 20:55Speaker 02

  It still had my name in one of her videos.

• 20:57Speaker 05

  Yeah, that's why I got it removed.

• 20:59Speaker 02

  Yeah.

• 20:59Caleb Hammer?

  Okay, it was a good.

• 21:00Speaker 03

  Para los grandes, para los chicos, para los bajos y los altos, los pacifistas, los valientes, para los optimistas y los pesimistas, los que valoran lo de adentro, para los que están lejos, los que no vende lejos y los que no vende cerca, para los introvertidos y los extrovertidos, para los que piensan y los que hacen, para los que nos mostraron el camino. Coca-Cola para todos. Compra una Coca-Cola en una tienda cerca de usted.

• 21:30Caleb Hammer?

  It's a tea and it honestly lays a strict foundation, well, a very well-understood foundation of why we're in this mess now. I'm not surprised anymore.

• 21:43Speaker 05

  That's good.

• 21:46Caleb Hammer?

  You don't want your marriage to be successful?

• 21:49Speaker 05

  No, I do.

• 21:49Caleb Hammer?

  What the fuck are you giggling about?

• 21:51Speaker 05

  I'm just a li- I just laugh a lot. I, I really don't take much seriously, if you can tell.

• 21:57Caleb Hammer?

  Like your relationship that we're trying to turn into a successful lifetime marriage? Yeah, why would we take something like that seriously? Why would we take our finances seriously if it's gonna hold us back in every instance in life? Why would we take our career seriously, or do you wanna level out a seventeen dollars an hour for the rest of your life?

• 22:13Speaker 05

  No, I, I wanna grow.

• 22:15Caleb Hammer?

  Well, that's what's gonna happen for people who don't take things seriously. People who don't take things seriously never grow. I don't know what the fuck you're talking about. Looks like you haven't grown past four foot eight.

• 22:23Speaker 05

  Four foot eight?

• 22:24Caleb Hammer?

  There's gonna be no growth in your life with the kinda mindset you're on. Be cheating again?

• 22:30Speaker 05

  We'll see, but not the cheating part.

• 22:34Caleb Hammer?

  Honestly, I would not be surprised. Let's be honest. Okay, let's jump. These finances. I wanna hear self-assess where you think you are before we dive into, into the money. I'm gonna go three, two, one, go on go. I want you guys at the same time to give me your perceived financial score for the household, both of you combined, cuz we're headed into this combined.

• 22:56Speaker 05

  Okay.

• 22:56Caleb Hammer?

  Okay, three, two, one.

• 22:59Speaker 05

  One.

• 23:00Speaker 02

  One.

• 23:02Caleb Hammer?

  That was not at the same time.

• 23:04Speaker 05

  Close enough, right?

• 23:05Caleb Hammer?

  Really gonna grow.

• 23:05Speaker 02

  She just goes with like everything, yeah.

• 23:08Caleb Hammer?

  Except for financial discipline. Not that you have it, you use fucking little micro payday loans. What are you talking about?

• 23:13Speaker 02

  Again, cuz of her.

• 23:15Caleb Hammer?

  That doesn't make sense. How would it be her fault?

• 23:17Speaker 02

  Because she doesn't have her half of the rent.

• 23:19Caleb Hammer?

  Okay, we split rent down the middle.

• 23:22Speaker 02

  Yeah.

• 23:22Caleb Hammer?

  And then you don't, don't you feel bad?

• 23:24Speaker 05

  Yeah, I do.

• 23:25Caleb Hammer?

  That's the person, then why don't you fix it?

• 23:27Speaker 05

  That's why I use those apps.

• 23:29Caleb Hammer?

  That's not fixing it. That's getting in an endless cycle, a repeating cycle, a cycle that does not stop.

• 23:36Speaker 05

  It will stop eventually, right?

• 23:37Caleb Hammer?

  No, it do-

• 23:40Caleb Hammer?

  I mean, you know, know, right? Did she not know that it- Did she actively not know?

• 23:46Speaker 02

  Cuz I'm, I'm stuck in the cycle, but she doesn't listen.

• 23:48Speaker 05

  Eventually, I wanna delete the apps.

• 23:50Caleb Hammer?

  You wanna delete the apps, but you have to pay them off, and you borrow to pay them off, and you're just endlessly trying to fill them and take them out, fill them to take it out. Cuz the money you're gonna put towards rent has to go to paying those, and then you have to take it back out in order to pay for rent. How, does that not make sense? Whatever.

• 24:03Speaker 05

  It's a fun game.

• 24:09Caleb Hammer?

  Okay, what am I dealing with here? Because I want to actually have like a real conversation, but I feel like she's

• 24:13Speaker 02

  This is what I deal with. We'll sit down and have these conversations and then this is what I deal with.

• 24:17Caleb Hammer?

  It's not funny. It's not cute.

• 24:20Speaker 02

  Okay.

• 24:22Speaker 02

  Why is it not cute?

• 24:25Caleb Hammer?

  Is this like her actual personality? I want to make sure before I continue this conversation because

• 24:29Speaker 02

  It is.

• 24:30Caleb Hammer?

  I would not complain if you hit her right now.

• 24:33Speaker 02

  I don't do violence. It's like a stereotypical thing.

• 24:35Caleb Hammer?

  Verbally hit. Really, is it?

• 24:38Speaker 02

  It is.

• 24:38Caleb Hammer?

  And I was mostly joking, but I didn't know.

• 24:40Speaker 02

  Yeah.

• 24:42Caleb Hammer?

  Okay. No, you're being annoying. You're being a little prick.

• 24:45Speaker 02

  Yeah.

• 24:46Caleb Hammer?

  It's not funny to act. You're gonna be okay.

• 24:49Speaker 02

  Okay.

• 24:50Caleb Hammer?

  To actually listen. And actually take it seriously. Stop being a little brat. Why would you not take it seriously? Are you getting in that moment where you're getting a little bit of pushback in your personality? So you fall even further onto it and dig your hole into the ground and make no progress in life? I'm not surprised. Look where you are. You're a joke. You're an embarrassment. You're the failure of this relationship. You're the anchor. You don't allow her to be able to pay rent and you take a little micro payday loans to do it.

• 25:16Speaker 02

  That's why I'm here, right?

• 25:17Caleb Hammer?

  You cheat on people. That's why you're here. You think I'm gonna do anything? No. You're a joke. And if you continue to act like this conversation is a joke, you'll be a joke throughout your entire life and you'll never be looked like a respected individual ever by anyone. And if you want that for the other half, go ahead and do it. Everyone will look down you for the rest of your life.

• 25:39Caleb Hammer?

  So what hits your account on a monthly basis again? Remind me? We didn't decide. But I do need to be able to mathematically figure that out.

• 25:46Speaker 02

  When I calculated, it was about 2,000. Yeah, it's about two grand.

• 25:50Caleb Hammer?

  So how we feel living on about 5,100 net on a monthly basis?

• 25:56Speaker 02

  I mean, if we had that info without these apps, I think we'd be somewhat okay.

• 26:00Caleb Hammer?

  What is the apps? What are we behind on? What's the number that we owe to just get it back to zero?

• 26:05Speaker 02

  Um, I don't know the exact total, but earning I owe almost 500. Bridget is seventy one.

• 26:14Caleb Hammer?

  Okay, that's more manageable, but still.

• 26:16Speaker 02

  I have this one other app, Possible.

• 26:18Caleb Hammer?

  You have three?

• 26:20Speaker 02

  I have quite a few.

• 26:21Caleb Hammer?

  How many do you have then?

• 26:23Speaker 05

  I have Impossible and Cash App. Cash App is three hundred and twenty one dollars and it's oh, uh, it was supposed to be paid on the

• 26:32Speaker 02

  Forever though.

• 26:33Speaker 05

  Thirty first of December.

• 26:36Caleb Hammer?

  No.

• 26:37Speaker 05

  Yeah.

• 26:38Caleb Hammer?

  It's almost a full month now. Where, why?

• 26:40Speaker 02

  And they are charging interest now.

• 26:41Caleb Hammer?

  Why? Why hasn't it been paid?

• 26:43Speaker 05

  Don't have the money.

• 26:44Caleb Hammer?

  You don't not make money, though. What do you mean? Why has it legitimately not been paid? What the is going on? Four hundred and two dollars going out to eat. What about your car?

• 26:54Speaker 05

  Um, so I made a decision that wasn't

• 26:58Speaker 02

  Without me?

• 26:58Speaker 05

  With

• 27:00Speaker 02

  On her own.

• 27:00Speaker 05

  So she basically told me to go get a car that was in my price range.

• 27:05Caleb Hammer?

  Mm hmm.

• 27:05Speaker 05

  And

• 27:06Caleb Hammer?

  What range?

• 27:07Speaker 05

  It, it, it was only, my car payment was supposed to be from two to three hundred dollars and my car payment

• 27:13Speaker 02

  I said around three to like four will be reasonable for you, but

• 27:16Speaker 05

  Three to four.

• 27:17Speaker 02

  Mind you, when she got this car, she didn't have a job.

• 27:20Speaker 05

  Five hundred and sixty nine dollars a month. And, uh, the car is a twenty twenty four Volkswagen Tulsa. It's not in my name. It doesn't have any interest, though. So that's

• 27:34Caleb Hammer?

  It doesn't have any interest?

• 27:35Speaker 05

  Yeah.

• 27:35Caleb Hammer?

  What do you mean? Is it leased?

• 27:37Speaker 05

  Yeah, I, and it's

• 27:39Caleb Hammer?

  Baked in, dude.

• 27:40Speaker 05

  It's thirty two grand.

• 27:42Caleb Hammer?

  That's baked into the lease.

• 27:44Speaker 02

  That's what she didn't know.

• 27:45Caleb Hammer?

  You think they're not making any money? You think they're just providing a nice little service for you?

• 27:51Speaker 05

  In a way.

• 27:52Caleb Hammer?

  Who went behind whose back? Someone said someone went behind whose back for the car? You went behind our back?

• 27:56Speaker 05

  She wanted me to go get this other car.

• 27:58Speaker 02

  I found a Toyota.

• 27:58Caleb Hammer?

  Sign on it?

• 27:59Speaker 02

  No, I just helped her. I was trying to help her find a car that would might be in her price range. I found a Toyota for eighteen grand.

• 28:04Caleb Hammer?

  Price range, you're looking at the monthly payment, not the overall price of the vehicle or how much you'd pay over time? Cause you're still not gonna end up with anything in the end. You're either gonna have to re-lease or take out a loan to pay out the the rest of it. And like, it's not like you keep something in the end here. Your lease has an end and then you're back to where you were. And none of the money did anything to help you.

• 28:25Speaker 02

  And we were trying to help her credit.

• 28:26Speaker 05

  That's my issue.

• 28:27Speaker 02

  That's why I wanted her to get it in her name.

• 28:29Caleb Hammer?

  We're getting a bad, expensive car that we can't afford.

• 28:31Speaker 05

  Yeah.

• 28:32Caleb Hammer?

  To build credit. Okay. Yeah. Missile needs bullshit. Eight hundred nine dollars a month. What do you mean? You can't pay off Cash App? What are you talking about?

• 28:41Speaker 02

  So right now she gets paid. Well, she wasn't working for a little bit. We were having.

• 28:44Caleb Hammer?

  When'd you get a job?

• 28:45Speaker 05

  About three months ago.

• 28:48Caleb Hammer?

  Okay. Well, congratulations. December's within there.

• 28:52Speaker 05

  I'm about to get hired on and then my pay will go up a little bit more.

• 28:55Caleb Hammer?

  To?

• 28:56Speaker 05

  Eighteen?

• 28:57Caleb Hammer?

  Okay.

• 28:58Speaker 05

  Fifty?

• 28:59Caleb Hammer?

  Good. Always seek after the raises. Good. I'm sure we'll get to that car in here at some point. If you guys want to see where your financial score is, how you stand up to the system that I care about here. You can go to the link in the description below, the Hammer Financial Score Quiz. It's free. It's fun. Check it out. And if you want to come on this show, feel free to come on. I'll give you some verbal punches, but we'll connect you with a lot of resources. I hope to give you a better place and you can join the hundreds of people that have paid off ten thousand dollars in ten months in the median. You guys can do that too. And maybe if your other half takes it seriously and starts acting like a whiny little brat. Go to calebhammer.com slash apply for that. Capital One.

• 29:42Caleb Hammer?

  Who has the Capital One?

• 29:43Speaker 02

  That's hers.

• 29:44Speaker 05

  All Capital One is me.

• 29:46Caleb Hammer?

  You're moral high horse. You're moral high horse. You talk a game and you do not live up to it in any way whatsoever. It's late. It's late.

• 29:58Speaker 02

  Wait, what are you looking at?

• 29:59Caleb Hammer?

  The Capital One. It's.

• 30:02Speaker 02

  I have a bank account and debit cards and credit cards. What do you? Which one?

• 30:08Caleb Hammer?

  Past due. The Capital One credit card. What do you think? We're talking about debt.

• 30:13Speaker 02

  Well, there's two of them, but I know.

• 30:15Caleb Hammer?

  Why do you get to think you get to sit up there? Hmm? And be the good one with finances? Say that, oh, I budget. I try to set her up with budgeting. I try to help her all this stuff. You, you're late. A twenty-five dollar payment. You're late on a twenty-five fucking dollar payment. You, you don't get to sit on any horse. No. What, what is this moral superiority that you have? There is none. You're late. I can't think, I don't know if I've ever been late on a credit card payment and there's no reason for you to be. It's 25 fucking dollars. I know you could do that. What's your thoughts on this? Come on, she stands over you and she's like, I'm better with money. Let me help you. And then she's late on a fucking minimal credit card? I feel like it should have already been paid, but she-

• 30:57Speaker 02

  I feel like your rent should be paid too, but I mean, hopefully it gets paid this month.

• 31:02Caleb Hammer?

  Hopefully your rent gets paid this month.

• 31:04Speaker 02

  It's not.

• 31:04Caleb Hammer?

  You're taking that as a joke too? Paying your rent and fucking over your fiance? In a way. Yeah, you're an upstanding person, aren't you? Why the fuck are you guys together? She's a piece of-

• 31:17Speaker 02

  I think I have like bad taste, clearly.

• 31:20Caleb Hammer?

  I'm not joking.

• 31:23Caleb Hammer?

  Are you?

• 31:26Caleb Hammer?

  Huh? I don't know, you cheat on everyone, so.

• 31:30Speaker 02

  It was one time.

• 31:31Caleb Hammer?

  Yeah, that's all it takes to be a cheater. What the fuck are you? What are you? I would never get with someone who's cheated. So if you're applying to be my wife, sorry, no cheaters allowed.

• 31:42Speaker 02

  Well, that was before, when he asked me to marry him.

• 31:45Caleb Hammer?

  Huh? He asked you to marry him and then you cheated?

• 31:48Speaker 02

  Yeah, it was after, but I was struggling with my sexuality.

• 31:51Caleb Hammer?

  Then you have a conversation about that.

• 31:53Speaker 02

  I did.

• 31:54Caleb Hammer?

  But you're also getting married. If you're having, yeah, cuz he's getting married to you. Whether the person I'm getting married to wants to- Any living thing, I would rather them only me cuz it's monogamy.

• 32:07Speaker 02

  Well, he was open to like other options, just not the manager.

• 32:11Caleb Hammer?

  Then why'd you guys get divorced?

• 32:13Speaker 02

  Because I just wanted to be with a woman. It just wasn't looking out.

• 32:15Caleb Hammer?

  So you divorced him?

• 32:16Speaker 02

  Yeah.

• 32:16Caleb Hammer?

  You had a kid with him and then, did you go, did you guys get married?

• 32:19Speaker 02

  Yeah, we were married. We had to for the military, you know, the benefits and the extra money. Yeah.

• 32:24Caleb Hammer?

  Joke. What a joke. Normal 25 dollar minimum payment, of course, it's 57 right now with the fees and bullshit because you have 25 dollar fee cuz we're like $5.19 of interest. We're purchasing on a card that we're not even fucking paying, that we're late on. Are we kidding me? Come on, $58.32 of purchases and what? Again, your little high horse, congratulations, good job. You're purchasing on a card that you're not putting a fucking minimum monthly payment due. Who, what are you? What are you talking about?

• 32:52Speaker 02

  I gotta survive.

• 32:53Caleb Hammer?

  McDonald's, you going paying the old pair? Oh, yeah. A little visit? For McDonald's. Yeah, you're getting up there? Right up in her?

• 33:01Speaker 02

  I mean, I have to eat.

• 33:03Caleb Hammer?

  Yeah.

• 33:04Speaker 05

  Groceries. We could always get groceries, but you always want to get DoorDash.

• 33:08Caleb Hammer?

  I thought you meant your ex's post.

• 33:11Caleb Hammer?

  Always going back to McDonald's.

• 33:14Speaker 02

  I took a break for a while.

• 33:17Speaker 05

  Yeah, for like a few days.

• 33:19Caleb Hammer?

  Wait, I'm cheating or just strict, actually McDonald's?

• 33:21Speaker 02

  The McDonald's.

• 33:22Caleb Hammer?

  Well, you went to McDonald's. It's right there.

• 33:25Speaker 05

  Yeah, we literally went today, too.

• 33:27Caleb Hammer?

  And return payment.

• 33:28Speaker 05

  And wasn't it with that card?

• 33:30Caleb Hammer?

  Huh?

• 33:31Speaker 02

  No.

• 33:31Caleb Hammer?

  Huh?

• 33:32Speaker 02

  No.

• 33:32Caleb Hammer?

  Huh?

• 33:32Speaker 02

  No.

• 33:33Caleb Hammer?

  What'd you say? What'd you say?

• 33:36Speaker 05

  I was just asking if, because we literally went to McDonald's before we came here and I was just seeing.

• 33:41Caleb Hammer?

  How'd you guys pay for that?

• 33:42Speaker 05

  With one of her cards. I think it was one of her credit cards, but I'm not, she's not clarifying if it was or not, so.

• 33:50Caleb Hammer?

  So you don't have enough money in your checking account to pay for this? Because it got bounced.

• 33:55Speaker 02

  Yeah, no. And it's on autopay, so.

• 33:57Caleb Hammer?

  The budgeter.

• 33:58Speaker 02

  I forget.

• 33:59Caleb Hammer?

  The financial professional.

• 34:02Speaker 02

  I didn't say it was great at it. I try.

• 34:03Caleb Hammer?

  No, you're not. People who don't, people who try don't have zero dollars and they're like, don't have less than $25 in their checking account. You don't try and have less than $25 in their checking account in your position. Some people, yes, there's situations outside of our control. Come on, you guys make enough. Alright guys, this is super exciting for this financial audit channel. I got big news for you today. For the rest of this month, if you join our YouTube membership at the elite level or upgrade from pro to elite, I'm going to pay for it. I am gonna directly reimburse you for the $5 for upgrading or $10 if you join now. It's essentially like a free trial, except since it doesn't offer it, I'm gonna pay for it for you.

• 34:46Caleb Hammer?

  All you have to do is follow the instructions that I'm gonna post in the membership area. Send us that proof and I'm gonna send you the money and boom. You joined Hammer Elite for free. Yes. Seriously, guys, there's thousands of hours of extra content there. You got two exclusive member audits a month. The ability to call into our new live show, which is also two a month. You just broke Lindsay's heart.

• 35:07Speaker 05

  No, that's not true. Honestly, Ashley.

• 35:09Caleb Hammer?

  That's Lindsay for you. Weekly live streams.

• 35:13Speaker 01

  So Caleb, what's your social security number?

• 35:15Caleb Hammer?

  Caleb, I'm doing it. 38.

• 35:18Speaker 00

  That is definitely getting it on your shirt.

• 35:22Speaker 06

  Three, two.

• 35:25Caleb Hammer?

  And every single financial audit post show plus member weekly videos. It's crazy how much we have going on. Well, I got so drunk, I kissed a grandma in Spain with that with only partial consent. And then I ran off. Plus it really helps support this channel. So let me pay for it for a month. So you have the opportunity to check it out. Make sure you click the link in the description below or the pinned comment below and I'll see you guys there. And again, make sure it's the middle tier hammer elite so that I pay for it. This offer expires at the end of the month. Your rent's a bit expensive. Absolutely. I mean, it almost eats your entire rent. If it was just on you, why don't you leave? You're I don't know what's happening and we know you guys love to so.

• 36:05Speaker 02

  Well, I work there, so I get a discount. So technically.

• 36:08Caleb Hammer?

  So that expensive one is post discount?

• 36:10Speaker 02

  Yeah, it's actually a 2067.

• 36:13Caleb Hammer?

  Oh, you're doing so well.

• 36:21Caleb Hammer?

  So they're 29.74% interest rate.

• 36:25Caleb Hammer?

  Great.

• 36:27Caleb Hammer?

  It was like sniffing nail polish.

• 36:29Speaker 00

  I don't know what I'm doing. Need a break. Forget it, I quit. Escape to Pluto TV.

• 36:34Speaker 02

  This is objectively fantastic.

• 36:36Speaker 01

  Relax into the movies and shows you already know and love all for free. Swing. Even our news is uplifting.

• 36:42Speaker 03

  You stay classy, San Diego.

• 36:44Speaker 01

  Watch Tommy Boy, Crazy Ex Girlfriend, Anchorman, The Legend of Ron Burgundy, The X-Files, Wayne's World and so much more.

• 36:50Speaker 00

  We're not worthy.

• 36:51Speaker 01

  The best things on TV really are free. You just have to know where to look. Escape to Pluto TV. Stream now, pay never.

• 36:59Caleb Hammer?

  Over. What's happening? Yeah, I smell that.

• 37:03Speaker 02

  No.

• 37:03Caleb Hammer?

  No. Credit one, who has credit one?

• 37:07Speaker 02

  Me.

• 37:08Caleb Hammer?

  Again, you, you, it's credit one. It's the bottom of the barrel. If you have credit one, you're the worst of the worst of the worst of the worst. After the fact, you meet, I mean, a credit card came in the mail and you accepted it.

• 37:20Speaker 02

  No, I actually applied for it.

• 37:22Caleb Hammer?

  You applied for this?

• 37:23Speaker 02

  Yeah. But then my boss, my old boss was like, yeah, you shouldn't have credit one because she has it and she hates it, but it's too late now.

• 37:29Caleb Hammer?

  What old boss?

• 37:30Speaker 02

  My old leasing, my old leasing job. Yeah, not that one.

• 37:35Caleb Hammer?

  Also, I don't know at this point.

• 37:38Caleb Hammer?

  Three hundred eight dollars and twenty one cent balance on a credit. Oh, it's eight dollars over the credit limit. What are we doing? What are we doing? You're a joke too. You're a joke too. You just put on a facade. You just put on a facade. Maybe we are perfect for each other. We're just gonna end up homeless. So you guys are headed. No chance for retirement here. Normally, I recommend the Fizz card for our guests. Cause it doesn't allow you to spend money that's not in your checking account, but you still build credit. But you'd never have enough money in your checking account. I'd be nervous if you having anything.

• 38:09Caleb Hammer?

  I don't, I don't know. Twelve dollars and fifty cents of purchases. Card that we went over on with fees and interest accruing. This is a joke. Why would you spend on here? You pushed over the credit limit. Why would you spend on here?

• 38:22Speaker 02

  The last purchase was for my daughter. She wanted to go to the skating rink.

• 38:25Caleb Hammer?

  How often do you have each of the kids?

• 38:28Speaker 02

  It's a week on, week off.

• 38:29Caleb Hammer?

  For both?

• 38:29Speaker 02

  Mm-hmm.

• 38:30Caleb Hammer?

  Okay. Yeah, cause he's here, right?

• 38:32Speaker 02

  Mm-hmm. Yeah. He lives in Arlington.

• 38:34Caleb Hammer?

  Wait, who, who gets the other kid with, for a week with?

• 38:37Speaker 02

  So he adopted my daughter. So legally, they're just basically, they're both his.

• 38:41Caleb Hammer?

  Oh, okay. I do like them being together. That's kinda nice.

• 38:44Speaker 02

  Yeah. She's always looking out for him. Yeah.

• 38:47Caleb Hammer?

  Good. Huh? Who? She's always looking after him?

• 38:49Speaker 02

  My daughter. Yeah.

• 38:50Caleb Hammer?

  Oh, the older one?

• 38:51Speaker 02

  Yeah.

• 38:54Caleb Hammer?

  Yeah, roller rink. I, I get that. And Disney Plus. Okay. I get wanting to do that for the kid.

• 38:58Speaker 02

  Yeah.

• 38:58Caleb Hammer?

  Why the f**k would you put it on a card that's going over that is always accruing interest and fees?

• 39:02Speaker 02

  I think when I signed up, it was with that card and I meant to use my checking account. Yeah, I thought it was on her regular card, so.

• 39:08Caleb Hammer?

  So skating rink subscription?

• 39:10Speaker 02

  No, no, not the skating rink. The Disney Plus.

• 39:12Caleb Hammer?

  I'm talking about the f**king skating rink. You went there and you pulled out this card and you used it.

• 39:15Speaker 02

  I literally had nothing and she really wanted to go.

• 39:17Caleb Hammer?

  You don't get to do that. You have to tell her no.

• 39:21Speaker 02

  It was her friends from her.

• 39:22Caleb Hammer?

  I don't give a f**k. You know I don't give a f**k. Who gives a f**k? You're not ever gonna be able to do anything for her if you don't have any money.

• 39:31Caleb Hammer?

  And you don't have any money. Now you're negative. Here. What are you doing? No, we don't do that.

• 39:36Speaker 02

  Who's my daughter?

• 39:36Caleb Hammer?

  I know it's your daughter and you're [__] her over.

• 39:39Speaker 02

  Can't say no to your kid.

• 39:40Caleb Hammer?

  Yes, you can. That's what adults do. What the [__] are you talking about? On skating, that's the thing we can't say no to. What the [__] is she talking about here?

• 39:48Speaker 05

  Her daughter is bougie, okay?

• 39:50Caleb Hammer?

  Bougie? She's living in poverty and credit card debt. She's, there is no booze here. There's [__] in, with needles in a back alley. That's where this is heading.

• 40:00Speaker 02

  My daughter never sees her actual friends in the Louisville area, so I took her there. Cause he lives in Arlington. He pulled them out of a whole entire different school and she really wanted to see her friends that she never gets to see.

• 40:11Caleb Hammer?

  Were they going to this ice rink?

• 40:14Speaker 02

  Yes.

• 40:15Caleb Hammer?

  They were going to the ice.

• 40:16Speaker 02

  It was like a whole thing for her school.

• 40:18Caleb Hammer?

  You literally, you didn't have eleven dollars to your name. That's how bad we are.

• 40:21Speaker 02

  Yeah.

• 40:22Caleb Hammer?

  That part is the biggest joke.

• 40:24Speaker 02

  Yeah.

• 40:25Caleb Hammer?

  You allowed yourself to get there. You could spoil your kids, but again, all the spending is ridiculous. The debt you're allowing yourself to get into is ridiculous. You not being able to step up and take care of your portion of the rent, putting her in a worse financial position is also hurting the people that you consider to be your kids as well. You're just hurting everyone.

• 40:43Caleb Hammer?

  Total fees charged last year, two hundred thirty-one dollars, eighty-seven dollars of interest, twenty-eight point four nine percent interest rate on these credit cards, on this credit card. Takes a year to pay off just doing the minimum payment for only three hundred eight dollars. Crazy dude. That's without purchasing. Guess what? You always purchase. You have a subscription on here.

• 41:02Speaker 02

  I have a couple of subscriptions.

• 41:03Caleb Hammer?

  Great. Yeah. Maybe we cancel them because we can't afford to literally live. If you can't afford to live and pay rent without having to take out micro little payday loans, we don't have subscriptions. We don't have fun. That's not something that's a luxury. You're not entitled to that. You are not entitled to anything. I want you to have it all. You're not entitled to it though. You're really not.

• 41:21Speaker 02

  I know, but some of them are for my kids too.

• 41:22Caleb Hammer?

  I get that, but the roof over your head is for your kids.

• 41:26Speaker 02

  I mean, I do work in the leasing office.

• 41:28Caleb Hammer?

  I know. Doesn't mean they won't evict you.

• 41:30Speaker 02

  True.

• 41:31Caleb Hammer?

  If you're behind enough.

• 41:34Caleb Hammer?

  You're playing with fire here, man.

• 41:36Speaker 02

  I've never been late on my rent, though.

• 41:38Caleb Hammer?

  You're borrowing micro payday loans. It's only a matter of time. You didn't have eleven dollars to go to a skating rink. The fuck are you talking about? You are literally there. You're probably here as a last resort. That's what a lot of people do. You are on that edge. You are going to be drowning before you know it. You have like the last chance to turn it around.

• 41:57Speaker 02

  I have a couple of options.

• 41:58Caleb Hammer?

  What?

• 41:59Speaker 02

  I can always just downgrade my apartment.

• 42:01Caleb Hammer?

  Yes, I would highly recommend that. Immediately. Go on. What's next? Doesn't mean you still won't miss rent. I have a feeling you're gonna feel like you have extra money, so you go blow it all, or else you wouldn't be in this position anyway, to begin with. Let's be honest. Go on.

• 42:13Speaker 02

  Well, if I-

• 42:13Caleb Hammer?

  Number two?

• 42:14Speaker 02

  I just haven't downsized yet.

• 42:15Caleb Hammer?

  Number two, what's the next option? Go ahead.

• 42:18Speaker 02

  Well, my tax return's coming up.

• 42:19Caleb Hammer?

  Okay, well, that's a joke.

• 42:21Speaker 02

  I can pay off things.

• 42:22Caleb Hammer?

  Listen, you could have paid it off last year, and this is where we are today. So you're either gonna spend it, or you pay it off with your tax return without changing your behavior, and then you build it up every year.

• 42:29Speaker 02

  My tax return last year went to bills.

• 42:30Caleb Hammer?

  Huh?

• 42:31Speaker 02

  My tax return last year went to bills.

• 42:32Caleb Hammer?

  And what's gonna say? It's not gonna go to bills this time?

• 42:37Speaker 02

  No idea.

• 42:38Caleb Hammer?

  Exactly. And why haven't you downsized yet? What were you gonna say?

• 42:41Speaker 02

  Well, I have a two-bedroom right now. I don't know if it's a good idea to go to a one-bedroom.

• 42:45Caleb Hammer?

  Honestly, probably absolutely sucks. Absolutely sucks, but guess what? You literally cannot afford a single thing in your entire life.

• 42:53Speaker 05

  And it also hurt. Another issue is, we've been together and she's had six different couches? And we've only been together-

• 43:01Caleb Hammer?

  What?

• 43:02Speaker 05

  Yeah. Six different couches. Six.

• 43:08Caleb Hammer?

  What are we talking about? Wait, okay.

• 43:09Speaker 05

  Cause, cause she watches TikTok and then wants-

• 43:13Caleb Hammer?

  You don't buy couches off of TikTok.

• 43:15Speaker 05

  And then she's like, oh, I wanna be like this TikToker, so I'm gonna get their couch.

• 43:20Caleb Hammer?

  Because you had one video go viral?

• 43:23Speaker 02

  I was trying to be an influencer, but I-

• 43:26Caleb Hammer?

  So you buy couches?

• 43:28Speaker 02

  Yup.

• 43:28Caleb Hammer?

  That's how we become influencers? Guys, hey, the only reason our YouTube channel's successful, cuz I bought a fucking couch.

• 43:34Speaker 02

  Well, I was showing like my house and stuff. You know, like the get ready with me's, like the house decor.

• 43:40Speaker 05

  Yeah, she's big on vlogs.

• 43:42Speaker 02

  Well, she was supposed to go half on a couple of those with me, and she never did.

• 43:45Caleb Hammer?

  Oh, you would've loved 2016.

• 43:52Caleb Hammer?

  Alright, so six couches over the course of how long? But is this an ongoing thing? Are we still buying new couches?

• 43:58Speaker 05

  No, I finally told her that this is the last one.

• 44:01Caleb Hammer?

  So you had to have her tell you that's how bad it is? Come on.

• 44:04Speaker 02

  We agreed on that at least, but yeah.

• 44:05Speaker 05

  But she actually was looking at getting another one and I had to shut it down, cuz.

• 44:09Speaker 02

  It's really uncomfortable. I got it off Amazon.

• 44:11Caleb Hammer?

  What?

• 44:14Caleb Hammer?

  Have you seen how bad she is and how she talks about her finances? You had to rely on Orange is the New Black over here to tell you that not getting a couch every few months is bad? Like, you guys are made for each other.

• 44:28Speaker 02

  I was impulse buying a little bit.

• 44:29Caleb Hammer?

  Well, yeah, no, no one buys six couches if they're not impulse buying.

• 44:34Speaker 02

  Well, I did sell the couch. I still made money.

• 44:36Caleb Hammer?

  You did not make a profit. No way.

• 44:38Speaker 05

  Endless cycle.

• 44:39Speaker 02

  One of them I did make a profit. Yeah, the others no.

• 44:42Caleb Hammer?

  Well, one out of six is not a great track record, I'll be honest, if we're talking about a business.

• 44:48Speaker 05

  Story of my life.

• 44:55Speaker 05

  What?

• 44:59Speaker 02

  Nothing.

• 45:00Speaker 05

  Hmm.

• 45:02Caleb Hammer?

  So we're probably like halfway into this conversation right now. What are you guys thinking? Because I'm thinking there is nothing. No future for you both. You're cheaters. You never commit to anything. You don't know how to. You're not disciplined. One of you treats life as a joke, one treats them life as a moral superiority, yet are both equally as bad in the actions. What are you guys thinking so far? Because so far, not a lot of hope on this side of the table, I'll be honest.

• 45:32Speaker 02

  There's hope over here.

• 45:33Caleb Hammer?

  Why?

• 45:34Speaker 02

  I need to get together. I have kids.

• 45:35Caleb Hammer?

  You need to. That is not hope. You've needed to and you haven't. One is ten. That is ten years to get together. You have not. You chose fry vagina over the kid. You chose, like, I mean, come on, you know?

• 45:50Speaker 02

  Fry vagina.

• 45:52Caleb Hammer?

  Yes, so you've had 10 years to get it together. You haven't.

• 45:55Speaker 02

  Well, I was also 19. I definitely didn't have a good footing there.

• 45:59Caleb Hammer?

  What do you mean? Everyone's 19 when they're 19. Are you?

• 46:01Speaker 02

  I mean, I was pregnant at 19, living with my parents. I didn't even have my license or anything.

• 46:06Caleb Hammer?

  You lived with your parents. It's a lot better than a lot of other people that get pregnant.

• 46:09Speaker 02

  Well, yeah, I know. I just, I, my parents weren't really, well, at least my mom. I think my dad's good with money, but we're not that close.

• 46:15Caleb Hammer?

  No one's parents are good with money? Is this excuse central? Do we never take ownership for our own actions over the last decade?

• 46:22Speaker 02

  I'm taking ownership, but.

• 46:23Caleb Hammer?

  Really? Cause I'm seeing you act like you're the morals. Neither did mine. Neither did hers, I bet. Neither did theirs, I bet.

• 46:30Speaker 02

  They tried, but it just didn't work that well.

• 46:33Caleb Hammer?

  Yeah, neither did most of the people out in the audience. Congratulations. You're not unique in that. That is a part of our culture. Most people are stupid with money. People have credit card debt. People are bad at retirement. Average person can't afford a $5,000 emergency.

• 46:49Speaker 02

  I did have.

• 46:49Caleb Hammer?

  You wanna cry a little bit more about that? Or are you a victim forever? Or are you gonna take control? Because congratulations, it's been 13 years since adulthood. You've done nothing in that entire time. Do I expect perfection at 19? No. No one ever said that. I'm not saying that. We don't even allow people to come on the show at that age anymore. It's just cause there's no expectation of perfection there. You're learning, you're figuring things out. You fall, you get yourself back up. You've had 13 years to do it. What have you done in 13 years? Nothing except getting worse. No, I only see fall. Where's the backup? You're over on a credit one card, the worst credit card you can get, pretty much. Feeling buried under credit card bills, personal loans, or medical debt?

• 47:30Caleb Hammer?

  It's like your money's working harder for your lenders than it is for you, but it doesn't have to be that way. Thanks to PDS Debt. PDS Debt does more than just help you manage your debt. They empower you to take control. Using their platform, they go beyond the numbers to understand your unique financial situation and craft a personalized plan designed just for you. No more cookie cutter solutions, just a clear path for financial freedom that fits your lifestyle. And here's the best part, there's no minimum credit score required. Whether your credit is bad Or fair, they're here to help you save more, pay off your debt faster, and start putting money back where it belongs in your savings account. For me, debt was holding back my entire life.

• 48:13Caleb Hammer?

  And honestly, if I use something like PDS, I could have sped up the entire process. And that could be a good option for you in this audience. And getting started is easy. Go to PDSdebt.com/hammer to complete your free debt assessment to see what options are available to you. Every day you wait, it's costing you more money. Get started with your free debt analysis in just 30 seconds at PDSdebt.com/hammer. That's PDSdebt.com/hammer. Take back control today by visiting PDSdebt.com/hammer. I don't see the backup.

• 48:45Speaker 02

  Well, we're not, we're talking about recent, not my whole life story.

• 48:48Caleb Hammer?

  Yeah, it's led to right now. So this is where your life is currently led to in the present moment.

• 48:53Speaker 02

  Well, at one point I did have an emergency fund.

• 48:54Caleb Hammer?

  Congratulations. At one point I was a complete piece of shit, had a lot of debt. Does that mean that that's what defines me? No, what's happening right now in my life is what defines me.

• 49:04Caleb Hammer?

  What's happening right now is what defines you, not what you were.

• 49:12Caleb Hammer?

  And what do you think so far? Let's hear what this quip's gonna be.

• 49:17Speaker 05

  I think that hopefully, hopefully after this talk, I'll be able to finally get my finances together and.

• 49:26Caleb Hammer?

  What's this talk gonna do for you in order to do that?

• 49:28Speaker 05

  Um, hopefully it's a wake up call and.

• 49:31Caleb Hammer?

  Yeah.

• 49:32Speaker 05

  Helps me actually have motivation to want to use budgets and want to not be so stupid with my money, spend money on my games.

• 49:46Caleb Hammer?

  Games?

• 49:47Speaker 05

  Yeah.

• 49:48Caleb Hammer?

  Is that the $900 of miscellaneous bullshit? Cause that's what fits in that category.

• 49:52Speaker 05

  Oh, yeah, I have an addiction to a game called Fortnite and I have.

• 49:58Caleb Hammer?

  A game called Fortnite. Yes, no one's ever heard of that. Yeah.

• 50:01Speaker 05

  Um, I'm not that old. Um, so I have the crew, the Fortnite crew, which is $12 a month.

• 50:11Caleb Hammer?

  What are you getting? Are you getting all the skins? This incredible is my favorite one.

• 50:16Speaker 05

  No, so it basically lets you have the battle pass, the music pass, the OG pass, and whatever passes all together. But I also like to go in the item shop and get cars, get skins, get emotes, you know?

• 50:32Caleb Hammer?

  And this is more important than paying rent?

• 50:37Caleb Hammer?

  How much does all that amount?

• 50:38Speaker 05

  Sometimes?

• 50:39Caleb Hammer?

  Sometimes. I mean, obviously, that's you trying to be a silly little goose because you take nothing seriously in your joke on this planet, but go ahead. How much does it all add up to on a monthly basis?

• 50:51Speaker 05

  Last time I checked, it was two to three? Because I also get it for the kids. Two to three what? Two to three what?

• 51:02Caleb Hammer?

  That's fifteen percent of your net income. That's a fucking joke to Fortnite. Fuck you.

• 51:05Speaker 05

  You spent two to three hundred on video games? Yeah, sometimes when the skins are good and the... You spent two to three hundred on video games, but you're harping on me about a couch that we use every day, what you're spending money on video games?

• 51:17Caleb Hammer?

  Six couches.

• 51:17Speaker 05

  It's six. But mine is just one game. How often are you doing this? Because we have game night all the time. Um, a month? Yeah. But, but I'm, you know, eventually I'm gonna stop, but when... Eventually? Not quite sure.

• 51:32Caleb Hammer?

  Why'd you just look into the camera for that? Why'd you just say eventually I'm gonna stop like this?

• 51:36Speaker 05

  Um, because I look away when I'm trying to...

• 51:41Caleb Hammer?

  Well, stop looking at the camera. It's weird. It makes people feel weird out there.

• 51:44Speaker 05

  Okay, I'll try.

• 51:47Caleb Hammer?

  That's not funny. I'll kick you off. I have no problem kicking people off.

• 51:51Speaker 05

  Well, look, there's a nice car in Fortnite that I had to get. And, and then they had this skin.

• 52:00Caleb Hammer?

  And you do it for the...

• 52:21Speaker 01

  You. The best things on TV really are free.

• 52:25Speaker 05

  You just have to know where to look.

• 52:26Speaker 01

  Escape to Pluto TV. Stream now, pay never.

• 52:30Caleb Hammer?

  Kids.

• 52:31Speaker 05

  Yeah.

• 52:31Caleb Hammer?

  But you would rather them have that than a roof over their head. Good job. What a future stellar mother you're gonna be. Emerald advance loan, what's this for?

• 52:40Speaker 05

  Oh, yeah, that is from my taxes.

• 52:42Caleb Hammer?

  Past eight.

• 52:43Speaker 05

  Um, so basically they let me borrow, uh, they, they, they give you this card and, uh, you can borrow money before you get your taxes.

• 52:52Caleb Hammer?

  It's your tax return money. You get it before?

• 52:55Speaker 05

  Yes. Yes. And basically they gave, uh, the lady messed up and gave me too much. So when I did get my taxes.

• 53:03Caleb Hammer?

  Just spend it all if you got too much. Did you know it was too much?

• 53:06Speaker 05

  No. And so when I got my taxes, it, it wasn't, wasn't even close to that amount. Cause I, I used to have a problem with having job to job to job.

• 53:16Caleb Hammer?

  Yeah, surprised. I mean, you've only been at yours for three months. Shocker.

• 53:21Speaker 05

  Look, I'm trying to stay here, you know?

• 53:23Caleb Hammer?

  You're trying. I'll gift you a course career certification. They have trade ones now, like project management for construction. Maybe that'll be good for you. I don't know.

• 53:30Speaker 05

  Construction, I don't want to be outside.

• 53:32Caleb Hammer?

  Take the free, take the free quiz and we'll give you a certification.

• 53:37Caleb Hammer?

  Okay, go on, go, go. What the? And you haven't paid this in, uh, almost a year for why?

• 53:44Speaker 05

  Um.

• 53:45Caleb Hammer?

  Six hundred forty dollars, something you took, you know, two months of your Fortnite and stupidness. Come on. What a child. Oh, what a fucking kid.

• 53:53Speaker 05

  I'm just hoping that when it comes to my taxes, I can just pay it off with my tax return.

• 53:59Caleb Hammer?

  Are you gonna borrow preemptively for these taxes this year?

• 54:03Speaker 05

  Uh, not gonna try.

• 54:05Caleb Hammer?

  What is try? Not gonna try?

• 54:06Speaker 05

  Um.

• 54:07Caleb Hammer?

  She has this, does she have this annoying little smirk after everything?

• 54:11Speaker 05

  When she knows she's like in the wrong, yeah.

• 54:12Caleb Hammer?

  Okay, that's so weird. Cause it also comes across as almost like fake. It's so weird. It's just like, control your woman.

• 54:20Speaker 05

  Like, can you just fix your face? Okay, just. I don't think it's possible. It's just naturally like this.

• 54:27Caleb Hammer?

  Okay, so you're not gonna try. What the does that mean?

• 54:29Speaker 02

  So she got the advance, cuz she's horrible at telling stories. She got the advance last year cuz we were behind.

• 54:34Speaker 05

  Rude.

• 54:35Speaker 02

  And I-

• 54:35Caleb Hammer?

  We were behind.

• 54:37Speaker 02

  Something-

• 54:37Caleb Hammer?

  So this wasn't even just to get the taxes early because they like prompted up at the end of filing?

• 54:41Speaker 02

  No.

• 54:41Caleb Hammer?

  On sight.

• 54:42Speaker 02

  We-

• 54:42Caleb Hammer?

  You specifically-

• 54:43Speaker 02

  When I got my tax return, we were behind on rent and a couple of other things.

• 54:46Caleb Hammer?

  How much was your tax damn return? Child tax credits and whatnot?

• 54:49Speaker 02

  Uh, mine was like 4K.

• 54:51Caleb Hammer?

  Huh, huh.

• 54:52Speaker 02

  It all went towards bills.

• 54:53Caleb Hammer?

  Oh, yeah. Yeah, I'm sure. I bet. So what was the-

• 54:57Speaker 02

  It did.

• 54:58Caleb Hammer?

  Yeah, yeah.

• 54:59Speaker 02

  It did.

• 54:59Caleb Hammer?

  Mm-hmm.

• 55:00Speaker 02

  And then hers, same thing.

• 55:01Caleb Hammer?

  I see your bills. Come on, guys. Shut the up.

• 55:06Caleb Hammer?

  Okay. What was the minimum monthly payment on here?

• 55:09Speaker 05

  Um, honestly, I don't even know.

• 55:14Speaker 02

  Did you ever call them? Like I said?

• 55:16Speaker 05

  Um, I was supposed to call them and it-

• 55:20Caleb Hammer?

  When were you supposed to?

• 55:21Speaker 05

  Uh, during work, but, um-

• 55:23Caleb Hammer?

  During work? I'm asking when, not what period of the day.

• 55:27Speaker 05

  It was, I was supposed to call them-

• 55:29Speaker 02

  A while ago.

• 55:30Speaker 05

  Uh, three weeks ago, just to see if I could pay it with my tax return, but haven't discussed that with them.

• 55:40Caleb Hammer?

  Well, it hasn't gone to collections yet, as far as I know. So yes, pay that. Why would your tax returns be substantial though, unless you're giving too much out of the gate? Like, what? You don't qualify for anything. You don't have any legal. Do you have any children?

• 55:52Speaker 05

  No.

• 55:53Caleb Hammer?

  Okay.

• 55:55Caleb Hammer?

  US Bank, what's this?

• 55:56Speaker 05

  Um, so-

• 55:57Speaker 02

  Her credit card.

• 55:58Speaker 05

  When I first moved to New York with her, um-

• 56:02Caleb Hammer?

  It's internal collections currently.

• 56:04Speaker 05

  Yes. Um, basically, um, when I moved out there, we kinda went on a splurge.

• 56:10Caleb Hammer?

  Wait, from where? Where'd you move from?

• 56:11Speaker 05

  Oregon.

• 56:13Caleb Hammer?

  Oh, my gosh. Okay.

• 56:14Speaker 05

  And-

• 56:15Caleb Hammer?

  Hey, listen, if anyone wants to move across the country from me, my-

• 56:19Speaker 05

  Yeah, so-

• 56:19Caleb Hammer?

  Calebhammer.com/onlyfans.

• 56:22Speaker 05

  And so basically I I moved, well, I was only supposed to visit her and be there for three days and then I just never left.

• 56:30Caleb Hammer?

  You guys are so fucking lesbian.

• 56:32Speaker 05

  Yeah, you all. We definitely fit that category there. Um, but basically, I basically spent, I don't know how long it took us to spend the whole card, but.

• 56:43Caleb Hammer?

  Together?

• 56:44Speaker 05

  Yeah, we went on a splurge. I can't remember what we got.

• 56:48Caleb Hammer?

  Wait, how long ago was this?

• 56:50Speaker 05

  She was just visiting me, so I. So I was trying to spoil her and.

• 56:53Caleb Hammer?

  Oh, so you she didn't know that you were racking up a credit card?

• 56:56Speaker 05

  Yeah, basically. And then.

• 56:58Caleb Hammer?

  What did you do for work at the time?

• 56:59Speaker 05

  Um, I. It was still warehouse. It was still warehouse. But they paid better. Yeah, they paid better a little bit.

• 57:04Caleb Hammer?

  Well, the cost of living is different as well, so.

• 57:06Speaker 05

  Yeah. Mm hmm. And then I was also living with my parents, so stuff was a little bit cheaper back then for me.

• 57:11Caleb Hammer?

  Then why'd you not pay this off? Well, you didn't go back.

• 57:14Speaker 05

  So so my issue was, yeah.

• 57:16Caleb Hammer?

  Really moved in after three fucking days?

• 57:18Speaker 05

  Yeah.

• 57:19Caleb Hammer?

  That is wild.

• 57:20Speaker 05

  And.

• 57:20Caleb Hammer?

  That is.

• 57:21Speaker 05

  Well, to be fair, at first her flight got delayed. They messed up. They were trying to get her to go to South Dakota. Yeah. Instead of Oregon, which was weird. They they basically wanted me to, instead of getting picked up in New York, they thought I was in South Dakota. Yeah.

• 57:36Caleb Hammer?

  You guys been on TikTok and flew across the damn country?

• 57:38Speaker 05

  Yeah, it was a nine hour flight. We were only talking for like a month and a half.

• 57:41Caleb Hammer?

  It was not a nine hour flight. You must have had a layoff.

• 57:43Speaker 05

  Yeah, I did.

• 57:44Caleb Hammer?

  Okay.

• 57:45Speaker 05

  But, um, and so I basically tried to call them because US Bank is not in New York. There there wasn't anyone nearby that was like, the closest one was like, I think it was six hours away in New York. And shortly after, I was trying to figure out how to pay that card. And then her bank account. Yeah, and then someone hacked that account, so I wasn't able to get back in there. And yeah, that is past due as well. Well, it was a whole thing with the bank. They thought she was like some threat from like Mexico or something like, uh. Yeah, they basically thought I was a terrorist trying to get back into my own account. Yeah, it was crazy.

• 58:20Caleb Hammer?

  Are you Mexican?

• 58:21Speaker 05

  No.

• 58:22Caleb Hammer?

  I was gonna say, you're pretty pale.

• 58:25Speaker 05

  Damn.

• 58:26Speaker 02

  Go, you can.

• 58:27Speaker 05

  I guess I need to go tanning now.

• 58:29Speaker 02

  No, that's not what I meant.

• 58:31Speaker 05

  Let's add that to it.

• 58:31Caleb Hammer?

  Keep your skin young.

• 58:33Speaker 02

  Yeah, it was like a whole thing and then she couldn't like pay them. They were like, go, you have to go in and she couldn't go in.

• 58:38Speaker 05

  No, yeah, they they basically wanted me to go in and verify myself. But yeah, that is.

• 58:42Caleb Hammer?

  I see some numbers on here. It's very blurry. So they're telling me, okay, it looks like there is a settlement amount. So you owed seven hundred twenty three.

• 58:49Speaker 05

  Yes.

• 58:50Caleb Hammer?

  There's a set amount of two fifty three to pay it off completely.

• 58:53Speaker 05

  Yes.

• 58:53Speaker 02

  Well, her parents didn't mail that in time. So that's actually dated from September of last year. So not even sure if that's still gonna be valid. And I don't, did you call?

• 59:02Caleb Hammer?

  Well, let's at least act as it is. No, of course you didn't.

• 59:05Speaker 05

  No.

• 59:06Caleb Hammer?

  She's never done a single adult thing in her life. Actually, you probably, I mean, you never grew up, did you? You lived at home until you moved in with her and mooched off of her. So.

• 59:16Speaker 05

  Like, I I was with my ex. I lived with her.

• 59:19Caleb Hammer?

  Mooched off your ex. Okay, so mooched off ex, mooched off parents, mooched off her.

• 59:23Speaker 02

  No, she actually was the anchor with your ex.

• 59:25Speaker 05

  I basically had to be her sugar mama and basically pay for everything for my ex. Cause she, she, she decided.

• 59:31Caleb Hammer?

  For that then.

• 59:32Speaker 05

  Um.

• 59:33Caleb Hammer?

  Exactly.

• 59:34Speaker 05

  I don't even know the number.

• 59:35Caleb Hammer?

  Ford Fusion. This is the lease?

• 59:39Speaker 02

  No, no, that's my car.

• 59:41Caleb Hammer?

  That you're.

• 59:42Speaker 02

  No, no, this is my vehicle.

• 59:44Caleb Hammer?

  You, but you were complaining about hers and you have this. Shut the fuck up. It's a thirteen point two five percent interest rate.

• 59:50Speaker 02

  I got in a car.

• 59:51Caleb Hammer?

  You have no moral superiority in this conversation.

• 59:54Speaker 02

  I got in a car accident.

• 59:55Caleb Hammer?

  Does she pull that in conversations often? Acting like a moral superior?

• 1:00:00Speaker 05

  Yes, most definitely.

• 1:00:01Caleb Hammer?

  You can't do that. You guys are on the same playing field. What's the? You do that. You've done that in this conversation.

• 1:00:08Speaker 02

  Well.

• 1:00:09Caleb Hammer?

  Why do you think?

• 1:00:09Speaker 02

  Fair, whatever, fine. But I got in a car accident and I needed a car.

• 1:00:12Caleb Hammer?

  Dismissive.

• 1:00:13Speaker 02

  I got in a car accident. I needed a car.

• 1:00:15Caleb Hammer?

  Congratulations, but you are incredibly dismissive or you're not able to have a conversation and address your own internal issues. You're not willing to have other people talk about what you might improve about yourself? I know that's hard in the moment, but as long as you reflect on it, like, I get it. We as human beings, like, when somebody confronts me in person, that is difficult. But I'm able to reflect.

• 1:00:37Speaker 02

  I'll reflect later, but I needed a car.

• 1:00:38Caleb Hammer?

  Are you actually, is she able to reflect? Is she a reflector?

• 1:00:41Speaker 02

  I don't reflect with her with the conversation.

• 1:00:42Caleb Hammer?

  No, but she would see it. She lives with you. She's engaged. You guys have been together for three years. I think she could answer the question.

• 1:00:48Speaker 05

  She, she reflects eventually. It just takes.

• 1:00:52Speaker 05

  Baby steps.

• 1:00:53Caleb Hammer?

  You guys fucking like each other?

• 1:00:55Speaker 02

  Hmm. Yeah.

• 1:00:57Speaker 05

  Yeah.

• 1:00:58Caleb Hammer?

  Just not maybe right now in this conversation.

• 1:01:01Speaker 02

  Yeah.

• 1:01:01Caleb Hammer?

  Just fair enough.

• 1:01:02Speaker 02

  When it comes to finances, like really, no, we don't.

• 1:01:05Caleb Hammer?

  It's one of the leading causes for divorce and you guys are joining the demographic of the leading divorcees.

• 1:01:10Speaker 02

  Yeah.

• 1:01:11Speaker 05

  Yeah.

• 1:01:11Caleb Hammer?

  Maybe we should get on the same page here. Have we gone to couples therapy?

• 1:01:15Speaker 02

  No, we're gonna do that before we get married.

• 1:01:17Caleb Hammer?

  Good.

• 1:01:17Speaker 02

  With the marriage license.

• 1:01:18Caleb Hammer?

  You get three free therapy sessions, thanks to Sondermind, one of our partners, so take advantage of that.

• 1:01:23Speaker 02

  Okay.

• 1:01:24Caleb Hammer?

  I use them personally and I always recommend the audience uses them as well. They're great.

• 1:01:29Caleb Hammer?

  Oh, I'm being told you were given a chance to call.

• 1:01:33Caleb Hammer?

  Oh, it expired in September.

• 1:01:35Speaker 02

  Her credit card? Yeah.

• 1:01:37Caleb Hammer?

  Now, the potential settlement thing, it's hard to say, it's very.

• 1:01:40Speaker 02

  Yeah.

• 1:01:40Speaker 05

  Yeah.

• 1:01:43Caleb Hammer?

  Okay. Okay.

• 1:01:45Speaker 02

  Alright.

• 1:01:47Caleb Hammer?

  Okay, so the Ford Fusion is here.

• 1:01:48Speaker 02

  Yes.

• 1:01:49Caleb Hammer?

  A five hundred, one dollar a minute with the payment, you cannot afford this right now.

• 1:01:52Speaker 05

  And then also. Also, she has a check engine light, one of her lights are not working.

• 1:02:00Caleb Hammer?

  What, one of what lights? What light is it?

• 1:02:02Speaker 05

  Okay, so. Passenger light, cuz she was driving.

• 1:02:05Caleb Hammer?

  Okay, well, that's, what do you mean, of like a headlight?

• 1:02:07Speaker 05

  Yes.

• 1:02:07Speaker 02

  It's my car.

• 1:02:08Caleb Hammer?

  You're gonna get pulled over. Yeah, it's your, what the fuck does that mean?

• 1:02:11Speaker 02

  Cuz let me talk. I hit a pothole, so I was trying to go to the city.

• 1:02:14Caleb Hammer?

  Talk to her all the time, why are you being a?

• 1:02:15Speaker 02

  Cuz this is about my car. I tried to get help with it cuz I hit a pothole in the city and sometimes you can like go to court and, or whatever.

• 1:02:22Caleb Hammer?

  When was that?

• 1:02:23Speaker 02

  Last, last year or something.

• 1:02:25Caleb Hammer?

  Yeah, it sounds like you didn't try to get help for that.

• 1:02:27Speaker 02

  I did, I went down to the city and they said no.

• 1:02:29Caleb Hammer?

  Well, there you go. Congratulations, so get it fixed, it's been a year.

• 1:02:35Caleb Hammer?

  Congratulations, welcome to adulthood, you have two kids.

• 1:02:37Speaker 02

  I was gonna get it fixed, it's a thousand dollars, at least with one quote I got.

• 1:02:40Caleb Hammer?

  You shouldn't have a thousand dollars, but you guys blow eight hundred dollars on miscellaneous bullshit. So, what was it? Uh, five hundred dollars on going out to eat?

• 1:02:47Speaker 02

  Well, my check engine light's on.

• 1:02:48Speaker 05

  Five hundred dollars?

• 1:02:49Caleb Hammer?

  Five hundred dollars. It is that much?

• 1:02:52Speaker 02

  I told you.

• 1:02:52Caleb Hammer?

  Unknown shopping, things we don't a hundred percent know, was about six hundred fifty-two, probably half bullshit and half not, that's typically how we find it. Other large purchases, many times bullshit, one thousand six hundred and nineteen dollars. We'll go over that soon, but we're getting your debt now. You, you don't have enough to pay for that. You, you don't have enough to pay for your rent. You don't have twenty-five dollars to put to your card. You're immature. You're spoiled brats.

• 1:03:14Speaker 02

  At least I have car insurance.

• 1:03:15Caleb Hammer?

  You enable each other. Congratulations for doing a basic bare minimum.

• 1:03:19Speaker 05

  To get car insurance.

• 1:03:21Speaker 02

  Thank you.

• 1:03:24Speaker 02

  I got a lot of bills to pay.

• 1:03:25Caleb Hammer?

  What a joke, joke.

• 1:03:32Speaker 02

  I had her on my car insurance.

• 1:03:33Caleb Hammer?

  How they let you get this lease without car insurance?

• 1:03:36Speaker 02

  I added her to my car insurance and then it racked it up to a thousand dollars. So I told her I couldn't afford that and she had to figure it out on her own because I help her a lot.

• 1:03:44Caleb Hammer?

  No wonder you guys haven't been put combined accounts because lots of mine hers, mine hers. And you guys should be like that right now because you're not married, but oh my, this is insane. What do you think the car is worth? The oh sixteen thousand on it?

• 1:03:57Speaker 02

  My car, I've gotten quotes. It's like eight, nine is the most I've gotten offered. Yeah.

• 1:04:03Caleb Hammer?

  Yeah, underwater by over six thousand dollars. Well done.

• 1:04:07Caleb Hammer?

  At a thirteen point two five percent interest rate, are you kidding me? Come on. How long have you not had car insurance?

• 1:04:14Speaker 05

  Uh, so I've had it. I had it for a month.

• 1:04:17Caleb Hammer?

  Yeah. How about how long have you not had car insurance was the answer to the

• 1:04:20Speaker 05

  Five months.

• 1:04:22Caleb Hammer?

  Five months.

• 1:04:23Speaker 02

  November.

• 1:04:26Caleb Hammer?

  Something I haven't recommended on the show before, but I'm unfortunately getting to with you guys.

• 1:04:33Caleb Hammer?

  Delay the marriage. You're not ready yet. You're not ready yet. You want to be more financially well off. You're not because you can't control yourself, but either way. She's an anchor right now, holding you guys back even still with her behavior, her desire, her lack of desire to change. And how bad this all is. Do not get married. Yeah, you guys are not ready.

• 1:04:55Caleb Hammer?

  Again, you're already in the highest statistical category for getting a divorce. Why add one of the leading causes for divorce? This is so messy. Do not get married yet. Get married eventually, but only after you guys fix this. I'm glad you guys are ready to go to therapy. And you guys need to use the simpler budget app that we created. Okay.

• 1:05:17Speaker 05

  Okay. All right.

• 1:05:19Caleb Hammer?

  But I don't think, well, it, it, it works based on the user. Therapy is only good based on what you do. You don't just go there and sit. It, you, it's actions afterwards. You get homework. The budgeting app doesn't work if you're not putting in the work, if you're not categorizing things. She's being annoying again.

• 1:05:36Speaker 05

  Yeah.

• 1:05:38Caleb Hammer?

  Here's a money mistake that I see all the time. Having money just sitting in a checking account with a teeny tiny interest rate, doing nothing but gathering dust. If this sounds like you, or you're just looking to store your savings with the return you deserve, I've partnered with money.com to provide you a solution. With the right CD option, it's like putting your money into a high efficiency workout plan, except you don't have to do the sweating. Your cash does. CDs typically offer higher interest rates than regular savings accounts, which means you earn more just by letting your money sit tight for a bit. Perfect for that portion of your savings that shouldn't be touched anyways. And here's the kicker. The options featured by money.com offer some of the most competitive rates out there. You get guaranteed returns and a variety of terms to choose from. So you can find the perfect fit for your financial

• 1:06:22Caleb Hammer?

  goals. So if you're tired of your low interest rates, check out the link in the description for money.com's list of the best CDs. Straightforward and your future self will thank you for that extra cash. So head to the link in the description of today's episode. This is a paid endorsement sponsored by money.com, which is compensated by its marketing partners.

• 1:06:38Speaker 05

  You're welcome.

• 1:06:38Caleb Hammer?

  How, how, how do you like this? How do you guys, you're a defensive and she's an obnoxious child. How do you guys put up with each other? I can't for barely an hour right now.

• 1:06:49Speaker 05

  It's already been an hour?

• 1:06:52Caleb Hammer?

  She says everything like she's looking like weirdo. She's, everything is like, the pitch goes up. It's already been an hour? What? Like everything's like performative with her, but her entire life is a joke. I will ask to the audience for the sake of the audience right now, because you guys seem insane, but you know, what the finances we look for, that's typically what we get. You guys applied to come on the show. From where?

• 1:07:20Speaker 05

  I applied.

• 1:07:20Caleb Hammer?

  From where? Like, watching the YouTube videos?

• 1:07:24Speaker 02

  Yeah, and also my assistant manager recommended it. Yeah.

• 1:07:28Caleb Hammer?

  Yeah. Yeah. See, this is actually

• 1:08:01Caleb Hammer?

  This exists. These are your neighbors. These are the people in your lives, your coworkers. Like, your coworker recommended it, you said, your assistant manager?

• 1:08:06Speaker 02

  Yeah.

• 1:08:10Caleb Hammer?

  So she knows your finances are

• 1:08:12Speaker 02

  No, she just knows a little bit of the backstory between, like, me and her.

• 1:08:16Caleb Hammer?

  Oh, she was like, you guys are both cheating pieces of should go on the show?

• 1:08:19Speaker 02

  She didn't know that part. No, she just said

• 1:08:21Caleb Hammer?

  Well, they do now.

• 1:08:22Speaker 02

  Well, yeah.

• 1:08:23Caleb Hammer?

  What do you think about that?

• 1:08:25Speaker 02

  They kind of already know.

• 1:08:26Caleb Hammer?

  They kind of already know.

• 1:08:27Speaker 02

  We're open. We're all girls.

• 1:08:28Caleb Hammer?

  Yeah, I bet you guys are gonna be very open in the future.

• 1:08:35Speaker 02

  What are you trying to say?

• 1:08:36Caleb Hammer?

  Open relationship.

• 1:08:37Speaker 02

  No.

• 1:08:38Caleb Hammer?

  Or divorce, cuz that's how you guys operate. Not you guys as in a you guys situation.

• 1:08:44Speaker 02

  We already tried that.

• 1:08:44Caleb Hammer?

  Huh? You guys tried open. Who wanted to be open? And?

• 1:08:48Speaker 05

  It didn't work that well.

• 1:08:50Caleb Hammer?

  Why?

• 1:08:51Speaker 05

  Uh... So basically, when we went to Austin last time, we met up with her best friend.

• 1:08:57Caleb Hammer?

  You fucked her best friend?

• 1:08:58Speaker 05

  It was a threesome.

• 1:08:59Caleb Hammer?

  Oh, my God.

• 1:09:00Speaker 02

  No, that's not what it was.

• 1:09:08Speaker 02

  I was just there.

• 1:09:09Caleb Hammer?

  This is a human centipede of

• 1:09:12Caleb Hammer?

  What did you? You were just there? You sat in the cuck corner?

• 1:09:15Speaker 02

  I was

• 1:09:16Caleb Hammer?

  She sat in the cuck corner?

• 1:09:17Speaker 02

  No, she was right next to And they just... Which is crazy, cuz they didn't really like each other. They still kinda don't.

• 1:09:24Caleb Hammer?

  But you were attracted to each other.

• 1:09:26Speaker 02

  No, they're not.

• 1:09:27Caleb Hammer?

  What the [__]? You guys are so weird.

• 1:09:30Speaker 02

  She blames it on the alcohol, but I don't know.

• 1:09:35Speaker 05

  I was drunk, so.

• 1:09:36Caleb Hammer?

  And she's still like your best friend?

• 1:09:38Speaker 02

  Not, we haven't really talked that much.

• 1:09:40Caleb Hammer?

  Yeah, since your fiance.

• 1:09:42Speaker 02

  No, no, just recently.

• 1:09:44Caleb Hammer?

  And you watched?

• 1:09:45Speaker 02

  Not necessarily. I was actually watching like the TV.

• 1:09:48Caleb Hammer?

  And you were okay with this?

• 1:09:49Speaker 05

  She thought it was hot, so.

• 1:09:51Caleb Hammer?

  She was watching TV?

• 1:09:53Speaker 02

  Yeah.

• 1:09:54Speaker 05

  In and out of the TV.

• 1:09:56Speaker 02

  I was mostly watching the TV, but I was like, okay. When I came back after I like changed, they were like cuddle up in the bed together. So I like slept on the.

• 1:10:03Caleb Hammer?

  Oh, yeah, people cuddle after sex.

• 1:10:05Speaker 02

  No, it was before that. So I was like, oh.

• 1:10:09Caleb Hammer?

  That's a bit weird. Why can't you guys keep it in the pants, dude? You guys are not gonna end well. This is not gonna end well. Who has the quicksilver? This is not.

• 1:10:19Speaker 02

  That's hers.

• 1:10:21Caleb Hammer?

  Very quick to call that out. Okay. Go on. What's going on with this other second credit card that you're over the limit on? The good one at finances?

• 1:10:33Speaker 02

  I don't really know.

• 1:10:34Caleb Hammer?

  Oh, good. Why would we? Why would we know?

• 1:10:37Speaker 02

  I just got an approval with the credit karma and I was trying to like get my.

• 1:10:40Caleb Hammer?

  With the credit karma. Yeah, you're over the credit limit. I don't think that's how you get your credit up.

• 1:10:44Speaker 02

  Why not when I originally got the card?

• 1:10:45Caleb Hammer?

  Yeah, you are now, though, and that's all I give a about.

• 1:10:50Caleb Hammer?

  Okay, great. Twenty five dollar minimum payment. Oh, you made this one. Good job. Proud of you.

• 1:10:59Speaker 02

  It's on auto pay.

• 1:11:01Caleb Hammer?

  Yeah, so was the last one and it got denied because you didn't have enough money checking account because you don't want to manage it because you're a literal child. And then even after the twenty five dollars of purchases, there are twenty or twenty five dollars of payment. There's a twenty eight dollars of purchases and seven cents with five dollars and nine cents of interest, taking you from a hundred ninety nine dollars fifty three cents, which was a little under the credit limit of two hundred to now above the credit limit at two hundred four dollars and sixty seven cents.

• 1:11:28Speaker 05

  Damn, did not know that she's using that much.

• 1:11:31Speaker 02

  You did. I told you I had to go to the Dollar Tree. That's why I had to use the.

• 1:11:34Caleb Hammer?

  Why'd you have to go to the Dollar Tree plus Amazon?

• 1:11:36Speaker 02

  She ran out of everything.

• 1:11:38Speaker 05

  Addiction to Amazon.

• 1:11:40Caleb Hammer?

  Let me see your orders. Pull them up. Start a screen recording. We'll blackout private information.

• 1:11:45Speaker 05

  There was two weeks in a row that she had two to three packages a day at our apartment.

• 1:11:53Caleb Hammer?

  Were they necessities like?

• 1:11:55Speaker 05

  No, just random stuff that she she saw on TikTok that she wanted.

• 1:11:59Caleb Hammer?

  You've had so many fees, so many fees last year. You were late like five times on here.

• 1:12:03Speaker 05

  Yeah.

• 1:12:04Caleb Hammer?

  Oh, what a this. You guys are good. This is a this is a this isn't a ticking time bomb. This is exploding before our eyes. Wow, you came on at the I think before the last minute. I think you guys are done. Think you guys are done. You guys get along. You know what's interesting? We have couples that come on and they they they beg her a little bit because they're getting confronted with their finances. Sometimes it's easier to deflect to the next person. But usually the pre screening calls are a little pleasant. I'm not on them, but I hear about them. You guys were fighting on the pre screen call.

• 1:12:38Speaker 02

  Well, there are things that she mentioned that I didn't even know about, like the the video.

• 1:12:41Caleb Hammer?

  Yeah, you guys were fucking fighting like this is already. You guys are fucking done.

• 1:12:47Caleb Hammer?

  Cheater done. Okay, come on.

• 1:12:49Speaker 02

  I want to say some of these I had a gift card.

• 1:12:51Caleb Hammer?

  Don't care.

• 1:12:51Speaker 02

  Okay.

• 1:12:52Caleb Hammer?

  I just want to see where.

• 1:12:54Speaker 05

  Put it out.

• 1:12:55Caleb Hammer?

  Yes. Yes, this is.

• 1:13:01Caleb Hammer?

  And whose phone if I search has Tinder or Hinge or Bumble?

• 1:13:04Speaker 02

  Nobody's phone has that.

• 1:13:06Caleb Hammer?

  We're confident in those.

• 1:13:07Speaker 02

  She doesn't like the dating apps and they all know what Tinder is for, so I'm not on there.

• 1:13:11Caleb Hammer?

  It's the.

• 1:13:12Speaker 02

  Yeah, I'm good.

• 1:13:15Caleb Hammer?

  Uh, a sandwich cutter, really necessary for survival. A dishwasher magnet, clean and dirty, really necessary for survival.

• 1:13:23Speaker 02

  That's still on my gift card.

• 1:13:24Caleb Hammer?

  Another duvet that I bet you did not have.

• 1:13:27Speaker 02

  Gift card. It was for my birthday.

• 1:13:28Speaker 05

  We literally had a duvet, but she didn't like it no more, so she wanted to switch to pink.

• 1:13:33Caleb Hammer?

  Okay, can't do.

• 1:13:33Speaker 02

  But it's on my gift card that you got me for my birthday.

• 1:13:36Caleb Hammer?

  Modern silky soft threaded sheets, one hundred twenty eight gig micro SD.

• 1:13:43Speaker 02

  It's for the switch for the kids.

• 1:13:44Caleb Hammer?

  Oh, my.

• 1:13:45Speaker 02

  For Christmas.

• 1:13:47Caleb Hammer?

  Christmas, you cannot afford a switch.

• 1:13:50Caleb Hammer?

  Okay, so we have cats cuz you got a new litter. You didn't have a new litter holder before?

• 1:13:55Speaker 02

  When we moved, we needed like

• 1:13:56Caleb Hammer?

  We did move?

• 1:13:58Speaker 02

  Uh, in October.

• 1:13:59Caleb Hammer?

  Oh my But you just got this in at the end of last month.

• 1:14:02Speaker 02

  Yeah, I, we switched rooms with the kids and everything, so

• 1:14:05Caleb Hammer?

  Pork cleaner, carrying case for Nintendo, a charger for the Switch, it came with one. If I'm not mistaken, another dock station, doesn't it come with one?

• 1:14:13Speaker 02

  So my son didn't have one because somebody left it in my old leasing office, so

• 1:14:17Caleb Hammer?

  My Paw Patrol, right?

• 1:14:20Speaker 02

  Yeah, that was

• 1:14:20Caleb Hammer?

  Memory foam mattress. You didn't have a mattress?

• 1:14:24Speaker 02

  My cat had like an incident and like peed on it, so I had to get

• 1:14:27Caleb Hammer?

  Had an incident. Sounds like it just peed on it. What do you mean had an incident? Peeed?

• 1:14:31Speaker 02

  Um, it was, it's a long story.

• 1:14:33Caleb Hammer?

  Was it breaking?

• 1:14:34Speaker 05

  No, so, so basically we were in the middle of a move and, and I guess we blocked her litter box. And so she peed on one of the kids beds.

• 1:14:44Caleb Hammer?

  I absolutely love cats and I want cats again. This is one of the reasons why I want them. They're just so, if they don't have the absolute perfect condition, they're so picky about life.

• 1:14:57Caleb Hammer?

  Okay. Like, I don't know how they ever survived in the wilderness before they became

• 1:15:02Speaker 02

  No idea. Especially our cat, she's very like

• 1:15:04Caleb Hammer?

  Zigage, HDMI cables, headset.

• 1:15:09Speaker 02

  All Christmas.

• 1:15:10Caleb Hammer?

  Hair extensions for who?

• 1:15:14Speaker 02

  I think I bought that and returned it, but it was for me.

• 1:15:16Caleb Hammer?

  Okay.

• 1:15:16Speaker 02

  This is my real hair.

• 1:15:18Caleb Hammer?

  Yeah, your hair's nice. It's a new one?

• 1:15:19Speaker 02

  Mm-hmm.

• 1:15:20Caleb Hammer?

  Okay.

• 1:15:21Speaker 02

  Mostly everything was from Christmas, but that was also a whole situation because she spent more money than I, than she had, and then I couldn't pay rent.

• 1:15:27Caleb Hammer?

  You guys aren't allowed to spend money when you can't pay for rent. Exactly. That, that's the point. Thirty point two four percent interest on here. It's horrible. Horrible.

• 1:15:37Speaker 02

  Yeah, my credit was not great. So I thought the credit card would help.

• 1:15:41Caleb Hammer?

  You over maxed it out? What the fuck are you talking about?

• 1:15:44Speaker 02

  I wasn't planning on maxing

• 1:15:46Caleb Hammer?

  Well, obviously you're not a credit card person then cuz you can't manage it, which is, I mean, that's clear as day. You don't open credit cards if you haven't been able to prove that you, your other credit cards were already maxed out. What made you think you could manage a $200 card? There is no, no example in here that would suggest that.

• 1:16:06Speaker 05

  We needed the extra money.

• 1:16:08Caleb Hammer?

  There's an actual response. Do you want a snack? Do you need a little snackage?

• 1:16:12Speaker 05

  No.

• 1:16:13Caleb Hammer?

  You're grumbling, you're tumbling, you're grumble. Go grab a snack. It's okay.

• 1:16:16Speaker 05

  Okay.

• 1:16:17Caleb Hammer?

  Well, go grab a snack. I'd like to not have an everture brown in front of me for a second anyway. So that's okay. Oh, she's tall. I made fun of her for being shorter. She looked, I was sitting down in that chair.

• 1:16:28Speaker 02

  They gotta be taller than me, so.

• 1:16:29Caleb Hammer?

  Well, how tall are you?

• 1:16:31Speaker 02

  I'm five three.

• 1:16:31Caleb Hammer?

  How tall is she?

• 1:16:32Speaker 02

  Five seven.

• 1:16:33Caleb Hammer?

  Oh, she's not that tall.

• 1:16:35Speaker 02

  Well, she.

• 1:16:35Caleb Hammer?

  But I guess for a woman, isn't that a little tall?

• 1:16:37Speaker 02

  Just a little bit.

• 1:16:38Caleb Hammer?

  Okay. I don't know the average height. I am five nine, the average American male.

• 1:16:44Caleb Hammer?

  Including in weight, unfortunately. Alright, so. We're overdue on, whatever the screenshot is. Usually screenshots equal her.

• 1:16:54Speaker 05

  Yeah, that was the card that I had.

• 1:16:56Caleb Hammer?

  Barbecue lays, good choice. Just don't eat into the mic.

• 1:17:00Speaker 02

  Oh yeah, that's her, that's her cash app account.

• 1:17:02Caleb Hammer?

  Okay, your cash app is behind, great. So.

• 1:17:05Speaker 05

  Yeah, that's the one I was talking about.

• 1:17:06Caleb Hammer?

  What's the total balance owed on here? I mean, I see a three hundred twenty one dollar payment. I'm sure your cash app loans are denied.

• 1:17:13Speaker 05

  Uh, yeah.

• 1:17:14Speaker 02

  Once she pays, she has to delete her account.

• 1:17:16Speaker 05

  Yeah, and then I got a warning that I have to delete my car, uh, delete my account and make a new one if I want to have cash app.

• 1:17:21Caleb Hammer?

  Okay, if you crunch into that mic, I will literally shank you.

• 1:17:26Caleb Hammer?

  This is a podcast lady. Yes, she's such a little memeser, isn't she, and everything?

• 1:17:31Speaker 02

  Basically.

• 1:17:31Caleb Hammer?

  So you have a third child that you've brought on?

• 1:17:34Speaker 02

  It feels like it sometimes, yeah.

• 1:17:35Caleb Hammer?

  Can we mute her mic real quick? Let's mute her mic for the sake of the audience. If I have to ask her a question, we can turn it on. Let's mute the, the. Okay, so you don't even know what, like, the to, is that the total? So that's the total. So all you have to do is do three hundred twenty one dollars and seventy cents and then you're good. It's crazy, man.

• 1:17:54Speaker 05

  Yeah, and then they all, they also will let me do payments.

• 1:17:57Caleb Hammer?

  Can I see that bag real quick? Can I see that bag real quick? I changed my mind. It's annoying.

• 1:18:04Speaker 05

  Damn, and then you're gonna eat it?

• 1:18:06Caleb Hammer?

  I'm hungry.

• 1:18:07Speaker 05

  How are you gonna offer me to get a snack and I can't even eat it?

• 1:18:10Caleb Hammer?

  You had a couple trips, you're fine.

• 1:18:13Speaker 02

  It'll settle, it'll settle.

• 1:18:16Caleb Hammer?

  Alright, whose credit karma am I looking at?

• 1:18:19Speaker 02

  Um, I don't know, you gotta let us know what's on there.

• 1:18:22Caleb Hammer?

  I didn't see the lease.

• 1:18:25Speaker 02

  Do you need our lease? I can pull it up.

• 1:18:27Caleb Hammer?

  Well, it might still be in here.

• 1:18:29Speaker 02

  Oh wait, for her car?

• 1:18:30Caleb Hammer?

  Yeah, where's the lease?

• 1:18:31Speaker 02

  I just wrote, I just sent the email to Lindsay. She doesn't, she can't access anything.

• 1:18:35Caleb Hammer?

  Why?

• 1:18:36Speaker 02

  It's under her grandma's name. Everything has to go through her grandma.

• 1:18:39Caleb Hammer?

  You're really willing to [BLEEP] your grandma over too, so your fiance is not enough to [BLEEP] over? You're gonna over [BLEEP] grandma ma? There's gonna be a time where you are not making the payment. One of you is gonna cheat on each other and the other one's gonna U-Haul the [BLEEP] out of there. And then all of a sudden you can't afford bills and you're gonna [BLEEP] over your grandma because it's not her name. What?

• 1:18:58Caleb Hammer?

  Is that your [BLEEP] grandma? Are you on it at all?

• 1:19:00Speaker 05

  Uh, co, but, but.

• 1:19:02Speaker 02

  I don't think she is though.

• 1:19:03Caleb Hammer?

  Alright, so what's the lease term length?

• 1:19:06Speaker 05

  Um, they said that it would be paid off by the age of me being thirty-one.

• 1:19:11Caleb Hammer?

  No, that doesn't make sense. You did not, you didn't get a seven-year lease.

• 1:19:16Speaker 05

  Yeah, that's what it was.

• 1:19:17Caleb Hammer?

  No.

• 1:19:19Speaker 02

  I, I can't even tell you I wasn't there, so I'm not sure.

• 1:19:21Speaker 05

  That's what I thought it was.

• 1:19:23Caleb Hammer?

  Are you sure it's a lease and not a loan?

• 1:19:25Speaker 02

  Did you lease it or did, did you get a loan?

• 1:19:27Speaker 05

  Hmm.

• 1:19:29Caleb Hammer?

  Oh my [BLEEP], you don't know anything. This has to be a loan.

• 1:19:32Speaker 05

  Then it must be.

• 1:19:33Caleb Hammer?

  Yeah, car loans are available, but obviously.

• 1:19:37Speaker 02

  I mean, her grandma has really good credit, so I mean, are you, did you lease it or did you?

• 1:19:43Speaker 05

  Well, the total of it is.

• 1:19:45Caleb Hammer?

  This has to be a loan.

• 1:19:46Speaker 05

  Thirty-one and then the first.

• 1:19:48Caleb Hammer?

  Thirty-one what? Thirty-one what?

• 1:19:49Speaker 05

  Well, no, thirty-two.

• 1:19:51Caleb Hammer?

  Thirty-two what?

• 1:19:52Speaker 05

  Grand.

• 1:19:53Caleb Hammer?

  It.

• 1:19:54Speaker 05

  For the car.

• 1:19:55Caleb Hammer?

  How much was the car?

• 1:19:56Speaker 05

  Thirty-two.

• 1:19:57Caleb Hammer?

  And the loan, and the amount that you have to pay back is thirty-two?

• 1:19:59Speaker 05

  Yes.

• 1:20:00Caleb Hammer?

  That's not a [BLEEP] lease.

• 1:20:02Speaker 05

  Then what is that?

• 1:20:03Caleb Hammer?

  It's a loan for the entire car. And you said it's a 0% interest? No, it's not. You probably had 0% for like an introductory month or something. Maybe six months. I bet this is like 20%, something crazy and you have no idea. Download credit. When'd you get it?

• 1:20:20Speaker 05

  Um.

• 1:20:22Caleb Hammer?

  When'd you get it?

• 1:20:23Speaker 05

  Back in the.

• 1:20:24Caleb Hammer?

  Download credit karma for me. Are you on the wifi?

• 1:20:27Speaker 05

  Yeah.

• 1:20:28Caleb Hammer?

  Good. Download credit karma for me. Do you have credit karma?

• 1:20:30Speaker 05

  Yeah.

• 1:20:30Caleb Hammer?

  Down. Open it. Open it. Open it. Open it. Or is this your credit karma? Whose credit karma is this?

• 1:20:36Speaker 05

  That credit karma is mine.

• 1:20:37Caleb Hammer?

  So you have student loans?

• 1:20:38Speaker 05

  I sent a screenshot. Yeah, I do.

• 1:20:40Caleb Hammer?

  Okay.

• 1:20:41Speaker 05

  I've kept up with those. They're deferred, so I'm not getting extra interest.

• 1:20:44Caleb Hammer?

  Deferred because you were in the safe plan?

• 1:20:46Speaker 05

  Yeah.

• 1:20:47Caleb Hammer?

  So just like I almost say every episode, I feel now, that's being challenged in court and we also have a new head of the Department of Education. You're likely going to have to start paying on those again.

• 1:20:55Speaker 05

  Yeah.

• 1:20:56Caleb Hammer?

  I'd prepare for about $150 payment.

• 1:20:59Speaker 05

  Roughly that's what they are. 120 to 150.

• 1:21:00Caleb Hammer?

  Yeah, but you're in deferment right now.

• 1:21:02Speaker 05

  Yeah.

• 1:21:03Caleb Hammer?

  Over here. Yes. Yes. That is for me. Okay. Oh, good. 533. That's who I'd want to partner with for credit school.

• 1:21:15Speaker 05

  Well, eventually I'm going to get open a different credit, uh, different banking and then

• 1:21:20Caleb Hammer?

  Banking.

• 1:21:21Speaker 05

  Cause uh, with, with Chase, they, since my credit is so bad because of the US bank card, uh, they, they won't let me open a savings or get a credit card with them.

• 1:21:32Caleb Hammer?

  Touch the table again. I will smash your fingers. They are loud. You are an actual little good thing I didn't become a teacher because I would have like murdered. Oh my gosh. Open accounts. Okay.

• 1:21:47Speaker 05

  I don't think it's gonna show.

• 1:21:48Caleb Hammer?

  It's not showing yet.

• 1:21:50Speaker 05

  Yeah, cause if you

• 1:21:51Caleb Hammer?

  Are you sure you're on it?

• 1:21:52Speaker 05

  Yeah, that's what I'm wor- I'm like worried about.

• 1:21:54Caleb Hammer?

  Wait, total accounts. Wait, one second. One second. Nope.

• 1:21:59Speaker 05

  I feel like with the cosigner, she would be on it somewhere, right? So I don't know if she cosigned or not.

• 1:22:03Caleb Hammer?

  Yeah.

• 1:22:04Speaker 05

  Then maybe I'm not on it. Maybe it's just so

• 1:22:06Caleb Hammer?

  What's the payment monthly?

• 1:22:07Speaker 05

  Um.

• 1:22:10Speaker 05

  Um, five sixty-eight and some change.

• 1:22:15Caleb Hammer?

  And the balance is thirty-one thousand?

• 1:22:17Speaker 05

  Uh, yes.

• 1:22:19Caleb Hammer?

  Is this a new phone?

• 1:22:21Speaker 05

  No. It's her old phone.

• 1:22:24Caleb Hammer?

  You have a new phone.

• 1:22:25Speaker 05

  Cause she likes to get the phone.

• 1:22:26Caleb Hammer?

  Thinks that you get to get a new phone.

• 1:22:28Speaker 02

  They're both paid off.

• 1:22:29Caleb Hammer?

  They are paid off?

• 1:22:30Speaker 02

  Yeah, we switched to Spectrum and they paid it off.

• 1:22:32Caleb Hammer?

  What? Oh, really? Oh, so you're under contract now, probably?

• 1:22:35Speaker 02

  No, we were with Verizon and then when we switched to Spectrum, they paid off our loans. Yeah.

• 1:22:39Caleb Hammer?

  I'm guessing because you probably got locked under contract.

• 1:22:42Speaker 02

  With Spectrum? Yeah, it's only thirty-five dollars a month, though.

• 1:22:44Caleb Hammer?

  Yeah, how long's the contract?

• 1:22:46Speaker 02

  Twelve months. I was thinking about switching.

• 1:22:48Caleb Hammer?

  Thirty-five per?

• 1:22:50Speaker 02

  No, total.

• 1:22:51Caleb Hammer?

  Oh, that's actually usually pretty good.

• 1:22:52Speaker 02

  Yeah, Verizon, I was paying like three hundred and I was like, that's getting ridiculous and they have fees and they can't explain them.

• 1:22:57Caleb Hammer?

  No, we tell people to do helium for fifteen bucks a month. It's the same as Team.

• 1:23:01Speaker 06

  Honey, that flu keeping you up? Did you take Nyquil intense flu?

• 1:23:05Speaker 03

  Nah, I got this. Hmm, okay, I don't got this.

• 1:23:10Speaker 06

  Yeah, you need Nyquil intense flu. Undo your flu with Nyquil intense flu. Nyquil intense flu provides powerful relief of your flu symptoms so you can sleep. You do got this. Nyquil intense flu, the nighttime sniffling, aching, aching fever, best sleep with a flu medicine. Uses directed, keep out of reach of children.

• 1:23:30Caleb Hammer?

  Mobile essentially for coverage. Um, but at the two lines that you guys are already at, you're a little losing like five bucks, but that's not the worst. I don't like that you're in the contract, but okay. Okay, so student loans, we don't need to worry about yet, but maybe here eventually.

• 1:23:51Caleb Hammer?

  Oh, so the balance on our student loans is like thirteen thousand, right?

• 1:23:56Speaker 02

  Uh, no, it should be about ten.

• 1:23:57Caleb Hammer?

  Then is this your credit card or do you have student loans?

• 1:24:00Speaker 05

  No, that's hers.

• 1:24:01Speaker 02

  Unless it's in the numbers. That's my car. My student loans are ten.

• 1:24:05Caleb Hammer?

  There's Department of Education here, two thousand three hundred sixty-eight. Then on there, there was ten thousand nine hundred fifteen.

• 1:24:10Speaker 02

  The ten thousand's the total. I have three student loans.

• 1:24:13Caleb Hammer?

  Then why am I seeing it? No, I'm seeing them separate.

• 1:24:17Speaker 02

  They're separate because they didn't have a maternity program, so I had to like quit and then re-enroll.

• 1:24:22Caleb Hammer?

  I'll leave it at ten thousand.

• 1:24:23Speaker 02

  Yeah, it was weird. They didn't have maternity leave. I could pull up my loans.

• 1:24:28Caleb Hammer?

  Okay. Uh, on time. Okay, so these are other credit cards. Am I missing any debts here, guys?

• 1:24:37Caleb Hammer?

  These are horrendous, let's be clear, but I'm missing any debts before we go into our checking accounts. Where the most of the spending is.

• 1:24:44Speaker 05

  I also have um an app that I need to pay back that's called Impossible.

• 1:24:50Speaker 02

  It's called Possible.

• 1:24:51Speaker 05

  Oh, Possible.

• 1:24:52Speaker 02

  We both have Possible. I owe one fifty. I don't know what she is.

• 1:24:57Caleb Hammer?

  And you?

• 1:24:57Speaker 05

  Sixty-two.

• 1:25:00Caleb Hammer?

  Okay, so a hundred

• 1:25:04Caleb Hammer?

  twelve, wait, two twelve. So how much were you?

• 1:25:06Speaker 02

  Hmm, hold on, I have the app.

• 1:25:08Caleb Hammer?

  No, no, what did you say?

• 1:25:09Speaker 02

  I think it's one fifty.

• 1:25:11Caleb Hammer?

  Oh, okay, two twelve, okay.

• 1:25:14Caleb Hammer?

  Anything else?

• 1:25:16Speaker 02

  I mean technically my car, I don't know if that's considered a debt.

• 1:25:18Caleb Hammer?

  Your car, your vehicle?

• 1:25:19Speaker 02

  Yeah, I need to get fixed.

• 1:25:20Caleb Hammer?

  We already talked about that.

• 1:25:21Speaker 02

  Yeah.

• 1:25:21Caleb Hammer?

  Oh, the thousand dollars. No, I wouldn't say that. So we have earning possible indebted Harrison Harris, Dave Inc. Oh, my Bridget, they're typing them all out to me live.

• 1:25:30Speaker 02

  Yeah.

• 1:25:30Caleb Hammer?

  Flex Finance.

• 1:25:32Speaker 05

  Oh, yeah.

• 1:25:33Speaker 02

  That's not a debt. That's what we use to split our, no, we use it to split our rent, Flex.

• 1:25:37Caleb Hammer?

  Oh, Flex, well, what about all the other ones? The earning, the possible, the indebted, Harrison Harris, Dave, right? Exactly, how much do we owe?

• 1:25:44Speaker 02

  In total?

• 1:25:44Caleb Hammer?

  Yes.

• 1:25:46Speaker 02

  I don't wanna do the math, like.

• 1:25:48Caleb Hammer?

  Are you kidding me? How are we gonna pay debt if we're not? You guys are so four hundred and seventy dollars in a Capital One checking account, who has this?

• 1:25:56Speaker 02

  I'm all Capital One.

• 1:25:57Caleb Hammer?

  Yeah, okay, cool. There's earning, fuck you.

• 1:26:01Speaker 02

  I told you.

• 1:26:01Caleb Hammer?

  Going in and getting some bullshit, selling money out, McDonald's, selling money out. Good will, hopefully for the kids, hopefully not some bullshit, I don't know, who knows? Better not be a fucking toy or anything from there, better be clothes, cause they're growing good. Netflix definitely don't need it, definitely don't need it when we can't pay our fucking rent. Thrift Giant, going in and getting some BS, withdrawal was rejected, withdrawal was rejected, withdrawal was rejected.

• 1:26:27Speaker 02

  That's because, it's because the apps pull my money on Wednesday, but I don't get paid till Wednesday afternoon.

• 1:26:32Caleb Hammer?

  You should not be living like that, that is a fucking joke. More earning, deposited in, Cash App out, Cash App out, Amazon Prime, Door Dashing, Raising K's. We're Door Dashing when we're living in practical poverty essentially in the future. Easy Pawn? Easy Pawn, what is that?

• 1:26:49Speaker 02

  We pawned my laptop to get money for rent.

• 1:26:53Caleb Hammer?

  And you got, and then, and then literally the same day you Door dashed. We're pawning a laptop and you're Door Dashing.

• 1:27:02Speaker 02

  I think that's when I got it back.

• 1:27:03Caleb Hammer?

  Mothers of the year.

• 1:27:06Caleb Hammer?

  Burger King, earning, hot potato.

• 1:27:09Speaker 02

  Hot potato?

• 1:27:10Caleb Hammer?

  DoorDash, DoorDash McDonald's.

• 1:27:13Speaker 02

  Told you.

• 1:27:14Caleb Hammer?

  Hulu, McDonald's, donuts, Zellin' out money, DoorDash and McDonald's, Raising Case McDonald's, Cash App and our money.

• 1:27:21Speaker 02

  McDonald's is her addiction.

• 1:27:24Caleb Hammer?

  I love it too. Look at me, I'm a fat, but guess what? I can afford it. You can't pay for your kids' roller, uh, ice skating rig for $11. Fuck your McDonald's.

• 1:27:36Caleb Hammer?

  Your McDonald's. DoorDash, earning, Cash App, Cash App, Cash App, Apple.

• 1:27:47Caleb Hammer?

  Earnin', Zellin' out, go in and get in some BS, go in and get in some BS, alcohol at specs.

• 1:27:55Speaker 02

  I think it's for her birthday.

• 1:27:56Caleb Hammer?

  Whose birthday?

• 1:27:57Speaker 02

  Mine.

• 1:27:57Caleb Hammer?

  Her birthday. She's 24, it doesn't matter. It's not a birthday that matters. You're an adult, pay for rent for your fucking kids' sakes. TJ Maxx, Amazon, Amazon, Amazon, McDonald's. Five below, likely getting some BS, Cash App and Nintendo.

• 1:28:14Speaker 02

  Christmas gifts.

• 1:28:14Caleb Hammer?

  You can't afford it, sorry.

• 1:28:17Speaker 02

  The TJ Maxx one, that was for the white elephant for work.

• 1:28:19Caleb Hammer?

  Amazon, don't give a fuck, you can't afford it, don't participate. Domino's, McDonald's, McDonald's, getting some BS, Ikea.

• 1:28:27Speaker 02

  Oh, that she paid for.

• 1:28:28Caleb Hammer?

  Open your damn phone for me.

• 1:28:33Caleb Hammer?

  What a joke.

• 1:28:36Caleb Hammer?

  So you just have storage as your subscription. Open your phone.

• 1:28:42Caleb Hammer?

  And out of all the subscriptions, it's not the one I oppose.

• 1:28:49Caleb Hammer?

  You have Apple Music.

• 1:28:53Caleb Hammer?

  I am, I'm glad you guys don't have a lot of subscriptions on there. I know you have Netflix and bullshit.

• 1:28:59Caleb Hammer?

  Gotta stop that. Okay.

• 1:29:03Caleb Hammer?

  Chase, is that you?

• 1:29:05Speaker 02

  Mm-hmm. Yes.

• 1:29:07Caleb Hammer?

  Duncan.

• 1:29:09Caleb Hammer?

  Zelling money out. DoorDash, Chick-fil-A, McDonald's are just as bad, Apple bill, DoorDash and Taco Hot. Why aren't we even DoorDash together? You guys live together. This is so fucking crazy. DoorDash, Dash Pass, selling money out, cash advance. More Nintendo, going in and getting some BS, easy pawn. What that time?

• 1:29:31Speaker 02

  It was, I think it's the same thing. She paid for it originally and then I paid to get it out.

• 1:29:35Caleb Hammer?

  This is crazy, man.

• 1:29:39Caleb Hammer?

  Going, a Wingstop, going in and getting some BS, Apple bill, Nintendo, DoorDash and McDonald's, you said she's addicted? Fuck you. Zelling out money, empower cash advance, Apple bill, market something, you went and got some bullshit. Nintendo. What's your retirement?

• 1:29:58Speaker 02

  I don't have anything in retirement.

• 1:29:59Caleb Hammer?

  What a joke. What's your retirement?

• 1:30:01Speaker 02

  Don't go.

• 1:30:01Caleb Hammer?

  What a fucking joke, guys. What a joke. What a, what an embarrassment of an existence. I'm sorry, it's offensive. I don't care. You need to hear it. It's real. People probably coddled you and been nice forever. It's not. You guys, it's sad and you're gonna put your kids through a fucked up future. And they're the ones that matter in this situation because they did not consent to be brought into the world, yet you brought them into the world. Probably some whoopsies here and there, sure, but they came in. Income for the house, five thousand one hundred. Rent, one more time.

• 1:30:34Speaker 02

  Eighteen fifty.

• 1:30:35Caleb Hammer?

  Oh, gosh. Utilities.

• 1:30:38Speaker 02

  Um.

• 1:30:39Caleb Hammer?

  Gas, electric?

• 1:30:40Speaker 02

  I'm gonna say like two twenty.

• 1:30:41Caleb Hammer?

  For everything?

• 1:30:42Speaker 02

  Yeah.

• 1:30:42Caleb Hammer?

  Including the internet?

• 1:30:43Speaker 02

  Just pay electric. Oh, with the internet, it'd be three hundred.

• 1:30:46Caleb Hammer?

  So internet's fifty, okay.

• 1:30:48Speaker 02

  Mm-hmm.

• 1:30:48Caleb Hammer?

  So utilities, two fifty, jeez. Phone bill, you said thirty-five?

• 1:30:52Speaker 02

  Mm-hmm.

• 1:30:53Caleb Hammer?

  Gas, vroom, vroom, drive, drive, for you.

• 1:30:55Speaker 02

  Hundred a month.

• 1:30:56Caleb Hammer?

  How much for you?

• 1:30:57Speaker 02

  Two hundred.

• 1:30:58Caleb Hammer?

  So three hundred total.

• 1:31:00Speaker 02

  Mm-hmm.

• 1:31:00Caleb Hammer?

  Car insurance.

• 1:31:02Speaker 02

  Mine's one seventy.

• 1:31:03Caleb Hammer?

  What would yours be?

• 1:31:05Speaker 02

  Um.

• 1:31:07Speaker 05

  I'm trying to have it be around.

• 1:31:09Caleb Hammer?

  What would it be if you got it today?

• 1:31:11Speaker 05

  One hundred.

• 1:31:12Caleb Hammer?

  Can't do that?

• 1:31:14Speaker 02

  No, it's two hundred.

• 1:31:15Caleb Hammer?

  Okay, two hundred plus one seventy. Okay.

• 1:31:18Speaker 05

  Well, the whole thing is I was just gonna have a high deductibles to have it be cheaper.

• 1:31:25Caleb Hammer?

  Three seventy. Okay, necessary food. You get them every other week. Okay, we could probably do. Use the cookbook. Use our budget friendly cookbook. It comes with the premium version of the budgeting app. Which by the way, those who sign up for annual, you get a founder's edition, physical budgeting book with my signature. Physically signed by me.

• 1:31:46Speaker 02

  I do plan everything, so it's a hundred a week for me and her.

• 1:31:50Caleb Hammer?

  Guys, you go out to eat every day, so your budget's fake. Shut up.

• 1:31:55Speaker 02

  But when we do grocery shop.

• 1:31:56Caleb Hammer?

  Shut up. You go out to eat every day. Your budget's not real for groceries. You're gonna be meal prepping a few times a week and you're gonna be boring with your food. It's what it's gonna be temporarily. If we can even figure out how to get out of debt, we're about to find out. TP fund, anything for the kids, anything extra to exist, you know, all that good stuff. It's anything else, two hundred bucks for the house, necessary food, let me think. I think we could do eight hundred. Seven hundred to eight hundred. I'm gonna do eight hundred and just hope it's less. Yeah, it should be. I'm gonna do eight hundred though. Medical, healthcare.

• 1:32:29Speaker 02

  I'm covered through my job.

• 1:32:30Caleb Hammer?

  Copays, anything like that though?

• 1:32:32Speaker 02

  Uh, seventy-five. I'm in therapy.

• 1:32:34Caleb Hammer?

  Okay, seventy-five a session?

• 1:32:36Speaker 02

  Yeah.

• 1:32:37Caleb Hammer?

  How many sessions a month? Okay, one fifty?

• 1:32:40Speaker 05

  And then, once I get hired on completely, um, I, um, I will start having insurance, but, um, through the temp agency, they, they don't give you.

• 1:32:49Caleb Hammer?

  Any copays or anything?

• 1:32:50Speaker 05

  No.

• 1:32:51Caleb Hammer?

  Okay, so one fifty.

• 1:32:56Caleb Hammer?

  Subscriptions, no. You have, you have pets. How old's your cat?

• 1:33:00Speaker 02

  She's two.

• 1:33:00Caleb Hammer?

  One cat?

• 1:33:01Speaker 02

  Yeah.

• 1:33:01Speaker 05

  Yeah.

• 1:33:02Caleb Hammer?

  Get pet insurance. I'm gonna do forty bucks.

• 1:33:04Speaker 02

  Okay.

• 1:33:04Caleb Hammer?

  Cause you guys could not afford an emergency. If it popped up, how much for cat food and litter on a monthly basis?

• 1:33:09Speaker 02

  Um, we get the big bag, so we don't buy cat food.

• 1:33:12Caleb Hammer?

  Well, come on. Monthly basis, cat food, huh?

• 1:33:15Speaker 02

  Fifty bucks.

• 1:33:15Caleb Hammer?

  Okay, fifty for both, yeah. Cool.

• 1:33:19Caleb Hammer?

  Anything else that needs to be in your budget that I have not calculated on other than the debt which I'm about to calculate?

• 1:33:23Speaker 02

  Uh, tolls. I have to take the tolls. So for me,

• 1:33:26Caleb Hammer?

  Why?

• 1:33:27Speaker 02

  I gotta drive to Arlington. That's forty minutes with tolls and I have to use them.

• 1:33:31Caleb Hammer?

  What about without?

• 1:33:32Speaker 02

  It's an hour, but I only get a two hour lunch.

• 1:33:34Caleb Hammer?

  Why are you going home for li- two hour lunch is great. Why are you going home for lunch?

• 1:33:38Speaker 02

  I'm not going home. I have to drive to Arlington to pick them up and then drive back home during those weeks. My kids.

• 1:33:44Caleb Hammer?

  So you during lunch, you pick up your kids and bring them home?

• 1:33:46Speaker 02

  Yeah, I get to work an hour early and then I have a two hour lunch to make up for it. It's all week on, week off.

• 1:33:51Caleb Hammer?

  Yeah. So who takes care of the kids while you're at work or is it remote?

• 1:33:55Speaker 02

  Oh, they just hang out. Yeah, they just come to work with me basically in the game room that we have.

• 1:34:00Speaker 02

  Or they can just go home. Either way.

• 1:34:01Caleb Hammer?

  How much tolls?

• 1:34:02Speaker 02

  Um, it's a hundred a month.

• 1:34:06Caleb Hammer?

  Five sixty-eight for debt payments. No, that's incorrect. Sorry. That was the last ad. One thousand four hundred two dollars sixty-six cents for debt payments. I'm doing this married because we're attempting to be married, which I honestly really think you guys should delay, which I do not say lightly. I would delay my marriage. Well, there it is. Sorry, guys. That's the reality of the debt situation you got yourself in. You'd have a good wiggle room if you were not in debt, but you're literally under by four hundred and ninety-seven dollars and sixty-six cents. So, couple of options, allowing some things to go to bankruptcy or allowing some things to go to collections, hoping they don't come for us.

• 1:34:51Caleb Hammer?

  Legally, they kinda can, but um, I'm just waiting that out, having a credit and good luck ever getting another apartment again. It would essentially have to be in your situation. Uh, you can go through bankruptcy, which same thing. You guys won't have a life for like ten years involving debt or any kind of good debt. Good luck getting a house. And uh, we could work more hours, get a second job, you know? Someone's getting an extra job without cheating on their manager. You know, well with.

• 1:35:20Speaker 05

  I recommended her to get the second job.

• 1:35:21Caleb Hammer?

  If you bring in it, can you get a second job? Can you bring in extra thousand bucks a month?

• 1:35:26Speaker 05

  A thousand?

• 1:35:27Caleb Hammer?

  Yeah, net. I need you to add your income by about half.

• 1:35:31Speaker 05

  Then I would have to get a full time job.

• 1:35:34Caleb Hammer?

  Well, no, about twenty hours a week.

• 1:35:37Speaker 05

  I told you. Then, then, yeah.

• 1:35:38Caleb Hammer?

  Which sucks, but.

• 1:35:40Speaker 05

  Possibly get a part time job, but the only issue is like my hours I work is from eleven to seven thirty.

• 1:35:46Caleb Hammer?

  Yeah, eleven P M.

• 1:35:49Speaker 05

  Yeah, eleven A M. to seven thirty P M.

• 1:35:51Caleb Hammer?

  Oh, okay, cool. You might just have to pick up some night shift somewhere. That sucks. It really does suck. The thing is, it's minus the student loans. So twenty thousand five hundred nineteen hours of bad debt, five hundred dollars. So if you make an extra thousand, still takes forty one months to pay this all off, guys. Three and a half years, then probably an extra three quarters of a year to get a fully funded emergency fund. And then you're catching up on retirement and you're starting it. So, but that's an option. It's better than bankruptcy, in my opinion. It affects you less time. But at least with bankruptcy, you could start saving up for retirement now in our emergency fund. But good luck ever getting in another place or getting into any of the goals that might require leverage. You'll be in your forties before you can consider getting a house. Is a house in our desired future?

• 1:36:36Caleb Hammer?

  Okay, well, I'll sit you down with one of our simpler money experts for free. We have certified financial planners there. We also have some CPAs and stuff like that. Because right here, I'm not seeing a way out other than you need to get a second job and you probably need to work more too. You know, you cut you cut it down to two years if you both pick up an extra twenty hours a week. Uh, we'll sit you down with one of them. Use the budgeting app. You got a budget because this is with following the most strict budget, no fun spending in there, which is impossible for that long. Especially with kids. So bankruptcy, allowing things to go to collections, those are some options. But a lot of the big debts are cars and we do not want to get repo'd here, especially you. It'll fuck your grandma. And we really don't want that. Those are the big burdens.

• 1:37:19Caleb Hammer?

  A lot of these loans, you can start chipping at them and they really start making progress quicker. But you're only saving yourself like twenty five bucks a month, thirty bucks a month. It's like the big ones are the cars.

• 1:37:30Caleb Hammer?

  Sorry, actually, um, you're only under by $250 a month. I was a little wrong because I added up the settlement for some reason on the US Bank. So you're under 250. I would still rather you bring in a thousand, but that would bring the situation down to like three years, I think, three and a half years.

• 1:37:44Speaker 05

  Four and a half.

• 1:37:45Caleb Hammer?

  Instead of four and a half. So that's still better, but you are still underwater. So no matter what, you have to work more because the reason why you find like you're not making any progress in your debt and your debt's only going up is because you literally make less than you need to survive on a minimum monthly basis. So I'm not surprised that you're bouncing endlessly. So. Yeah, and bankruptcy. Yeah, I'd rather grind at it and you can. Um, obviously raises happen and we work for them. You kick ass at your job and you really try to push for that. You leave your job to get a competitive and other a job in the industry with hopefully a better income, you know, leverage that system. Go through all of our education. You guys get it for free. Take advantage of this process you're in. People actually make progress in your situation on the show. You guys can too. If you stopped acting like spoiled entitled brats.

• 1:38:30Caleb Hammer?

  Spending a budget. Let's see, I bet you overspent. Let's see. Income that came in payroll, we had 3,157. 2,119 from you. So essentially 5,300 or so came in. Oh, 8,400 was spent. Spending in a budget, zero out of 10. Come on, guys. What the is that? Debt, you have kids. Debt, there's collections here. Zero out of 10. Emergency fund, nothing in savings, zero out of 10 retirement. There's nothing to return. Zero out of 10 real estate. There's nothing. Okay, Hammer Financial score, zero out of 10. Guys, join us in the post show. We usually find out some more interesting things that we can't talk about in the main

• 1:39:12Caleb Hammer?

  show due to either privacy or it's just too inappropriate and we'll get demonetized. It's always an extra party in there and join the elite version for live streams, a call in show where you can talk to me and extra exclusive audits, a lot of different things. It's worth it, trust me. And don't forget to download the simpler budget app today. It's worth it, I promise. See you guys in the post show. You haven't talked to the friend that you guys.

• 1:39:35Speaker 05

  It was only.

• 1:39:36Caleb Hammer?

  I don't think you guys should get married yet. And I want to see if she agrees. Hi, my name's Caleb Hammer. When you guys had a three way, why did you only focus on your best friend's fiance and not your best friend?

• 1:39:49Speaker 00

  To watch the financial audit post-show, click the "Join" button below. I don't know what I'm doing! Need a break! Forget it, I quit!

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