$160,000 Of Weed Debt | 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

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• 0:31Speaker 01

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• 0:59Caleb Hammer?

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

• 1:02Speaker 03

  I got $122,000 inheritance check. To the which we like blew and...

• 1:09Caleb Hammer?

  A year and a half out of...

• 1:10Speaker 03

  No.

• 1:10Speaker 04

  We were spending at least $1,000 a week on Bud.

• 1:13Caleb Hammer?

  A thousand dollars a week on weed?

• 1:15Speaker 03

  I thought that I had told him about everything that I like, all of my debt. That's not my fault. He didn't remember.

• 1:20Caleb Hammer?

  Why has no one considered leaving? Has anyone considered leaving?

• 1:24Speaker 04

  I have in the past.

• 1:25Caleb Hammer?

  So the answer is leave her. She's a complete failure. She's a [BLEEP] up. She's done.

• 1:30Caleb Hammer?

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• 2:03Speaker 03

  I'm Alexis, I'm 24.

• 2:05Speaker 04

  I'm Drake, I'm 23. We live in San Antonio.

• 2:08Speaker 03

  And this is Financial Audit.

• 2:11Caleb Hammer?

  Thanks for coming up to Austin, guys. Nice to meet ya. Listen Alexis, you're right in front of me right now. So I'll start with you. What do you do in San Antonio for a living? Cheapest major city in Texas, so income can stretch further. Well, yeah, I mean, everyone hates it. Continue, go on, what do you?

• 2:27Speaker 04

  I don't know about that.

• 2:28Speaker 03

  I work at a smoke shop. A head shop. Yeah. I'm about to quit, too.

• 2:32Caleb Hammer?

  Okay, for a better job?

• 2:34Speaker 04

  Oh, you'd think so, wouldn't ya?

• 2:37Speaker 03

  I don't know yet. Uh...

• 2:39Speaker 04

  She's got no plan.

• 2:40Speaker 03

  I have no plan.

• 2:42Speaker 04

  And I've told her since she's got the job to keep looking at other jobs.

• 2:45Caleb Hammer?

  Well, I wanted to ask your income situation, but...

• 2:47Speaker 03

  Oh, yikesies. Um, leh, horrid. I have enough money to pay for groceries and that's about it.

• 2:53Speaker 04

  Oh, he's asking you like how much you make?

• 2:56Speaker 03

  Oh, 12 an hour. That one went right over my head.

• 3:00Speaker 04

  So we do...

• 3:01Caleb Hammer?

  We're in for a struggle. Here we go. Okay. What hits your account per paycheck cycle?

• 3:09Caleb Hammer?

  Per paycheck, what hits your account? Let's just try that, actually.

• 3:12Speaker 03

  Anywhere between like 350 and 450, depending on how many hours I we- I work.

• 3:17Speaker 04

  So, yeah, her job is...

• 3:18Caleb Hammer?

  Okay, yeah, why don't you talk for her? Cause she doesn't know what the [bleep] to say.

• 3:22Speaker 04

  She's, so she's supposed to be part-time at her job, smoke shop, but they work...

• 3:25Caleb Hammer?

  Sounds like she is with that pay.

• 3:27Speaker 04

  But they're working her full-time and...

• 3:29Caleb Hammer?

  With that pay is full-time, $384 or whatever?

• 3:32Speaker 04

  Yeah, she actually works more than 40 hours some week, but they stop the clock at...

• 3:36Caleb Hammer?

  Is that a weekly pay?

• 3:37Speaker 03

  Yes.

• 3:37Speaker 04

  And they stop the clock at 40 hours on their books, but she'll work more than 40 and they don't pay her the over...

• 3:43Caleb Hammer?

  Sue them.

• 3:44Speaker 04

  Time and a half.

• 3:44Caleb Hammer?

  Talk to a pro bono employment lawyer.

• 3:47Speaker 03

  Oh.

• 3:51Caleb Hammer?

  They probably want to make some money. Sue them.

• 3:53Speaker 04

  I don't know how all that works.

• 3:55Speaker 03

  I didn't know that was an option.

• 3:56Caleb Hammer?

  Talk to a lawyer.

• 3:57Speaker 04

  But lawyers are expensive.

• 3:58Caleb Hammer?

  Pro bono. Pro bono.

• 4:02Caleb Hammer?

  They would take a look at it, assess it.

• 4:04Speaker 04

  Is it really worth it, though? When it's not that much?

• 4:08Caleb Hammer?

  Maybe, I don't know, because you actually might have an employment case of not just back pay, but potential even worse.

• 4:14Speaker 04

  It's true, I guess. I don't.

• 4:16Caleb Hammer?

  I mean, I don't really know. That's what a lawyer is for. But, okay, how many hours a week are you working on top of that forty that you're not being paid for?

• 4:23Speaker 03

  Um, I usually average between like thirty-five and forty-five. There's only-

• 4:27Caleb Hammer?

  Okay, so, sounds like she's not always above that forty, but that forty-five you're not being paid for the five.

• 4:33Speaker 03

  I'm getting paid, just not time and a half like I'm supposed to.

• 4:35Speaker 04

  It's under the table cash.

• 4:36Speaker 03

  It's under the, yeah.

• 4:37Caleb Hammer?

  Well, under the table cash is also not being taxed. I mean, it's supposed to be, but you're not paying tax on it, so I guess it at least actually makes up for it relatively. You're not getting paid fifty percent, so not a hundred percent, but-

• 4:49Speaker 03

  Yeah.

• 4:50Caleb Hammer?

  Okay, is the whole thing under the table?

• 4:52Speaker 03

  Not the whole check. I-

• 4:54Caleb Hammer?

  And what's this under the table? They're like, here's some cash?

• 4:57Speaker 04

  But they just don't want to pay the time and a half.

• 4:58Caleb Hammer?

  Huh?

• 4:59Speaker 04

  They don't want to pay the time and a half.

• 5:00Caleb Hammer?

  No, what is, you said under the table! I'm quantifying what the f- that means.

• 5:04Speaker 04

  Just cash.

• 5:04Speaker 03

  Cash.

• 5:05Caleb Hammer?

  That's what I asked, and then you answered something completely different. So they just give you cash once a week?

• 5:09Speaker 03

  If I, like, work more than forty hours, then, yeah, I get whatever extra I'm supposed to get in cash.

• 5:16Caleb Hammer?

  And have you brought this up?

• 5:19Speaker 03

  No.

• 5:19Speaker 04

  I told her to.

• 5:20Caleb Hammer?

  If you haven't advocated for yourself, then I'm all of a sudden not giving a shit. Advocate for yourself.

• 5:29Caleb Hammer?

  How long has this been happening?

• 5:31Speaker 03

  Uh, since like January-ish. Like, we, there's a bunch of employees that quit.

• 5:38Caleb Hammer?

  For a couple months. Okay, very good. Okay, I don't give a shit about what you're gonna say. I'm talking to her. Sorry, I'm just, I'm not trying to come out of the gate as a dick. You just keep jumping in, man. It's like, dude, I'm trying to talk to your woman right now. Listen, I mean, the dude, his fear, like, his biggest fear in the world is being cut. Like, before I even met him, he was just blabbing around the office. I hope no one here steals my girl today.

• 5:59Speaker 04

  Okay, no, I just know y'all are a bunch of gooners.

• 6:02Caleb Hammer?

  Bunch of gooners, but we don't just women one without their consent. Two, um, taking them from men.

• 6:10Speaker 04

  I've heard Brandon's, I've heard Brandon's comment where if, if it's not married, you know, that's, that's what he said.

• 6:16Caleb Hammer?

  So you guys are not married?

• 6:17Speaker 04

  Not yet.

• 6:17Speaker 03

  Not yet.

• 6:18Speaker 04

  We are engaged.

• 6:19Caleb Hammer?

  Congratulations. When are we getting married? How long have we been engaged?

• 6:22Speaker 03

  Uh, we're getting married in June and then we've been engaged.

• 6:26Speaker 04

  Three years?

• 6:27Speaker 03

  Two years.

• 6:27Speaker 04

  Two years.

• 6:28Caleb Hammer?

  Two years and again, what the, okay. How long have you guys been together?

• 6:31Speaker 03

  Six years.

• 6:32Speaker 04

  Six years.

• 6:32Caleb Hammer?

  Okay. So. How long is this job gonna last before you quit? Am I even putting the income on paper? Does it matter?

• 6:40Speaker 03

  After, since they banned all of the THCA bans, I went through that with the nicotine ban and I don't want to deal with that with people through the THCA ban. So at the end of the month, people are mean. The amount of people that yell at me.

• 6:52Caleb Hammer?

  Retail, I mean, that unfortunately happens. I obviously don't advocate for it, but unfortunately that is the reality of the situation. Um, okay. So whatever this law is goes into effect at 331. I don't, I honestly don't even know what it is. I'm not in that world of destroying my brain, but. Okay. So. You don't want to deal with it. So you're gonna go from income to no income, even if it is a shitty situation?

• 7:17Speaker 04

  I don't want her to.

• 7:18Caleb Hammer?

  By the end of the month?

• 7:19Speaker 04

  I keep telling her she needs to have a job before she leaves.

• 7:21Caleb Hammer?

  Okay. So what are the conversations surrounding this? And obviously there is a big divide here. So just give it to me then. Obviously this is what you want to talk about. So tell me what the?

• 7:30Speaker 04

  She wants to quit, like all the time. And I keep telling her to have another job for her. I'm okay with her quitting.

• 7:36Caleb Hammer?

  She's quitting by the end of the month, which by the way, uh, is in one week.

• 7:38Speaker 04

  Yeah.

• 7:39Speaker 03

  Yes.

• 7:39Caleb Hammer?

  Less than. So go on.

• 7:41Speaker 04

  Well, I just, she has to have another job because right now we can't make it unless she has some kind of income.

• 7:47Speaker 03

  I was going to. Go back to like doing DoorDash and stuff until I find something else. Uh, I have a friend that his wife is able to get me in on potentially in on her company.

• 7:59Caleb Hammer?

  Potentially in on her company within five days. Okay.

• 8:01Speaker 03

  No.

• 8:02Speaker 04

  No.

• 8:02Caleb Hammer?

  Okay.

• 8:03Speaker 03

  The training doesn't start until June. So I'd have to figure it out until then.

• 8:07Caleb Hammer?

  Talking about. Okay. What is figured out until then? He says he needs to have a job. What happens in the conversation? That's what I've been asking, guys. He says he wants you to get a job. What the happens in this conversation?

• 8:18Speaker 03

  He tells me to start looking and then I look and then it kind of just ends there.

• 8:22Speaker 04

  She half-assed looks, though.

• 8:23Caleb Hammer?

  Huh?

• 8:23Speaker 04

  She half-assed looks.

• 8:25Speaker 03

  Yeah.

• 8:26Speaker 04

  She doesn't really like, she'll like kind of scroll.

• 8:28Speaker 03

  But like, nothing is hiring right now. I have applied at...

• 8:32Caleb Hammer?

  I mean, that's not 100% sure. It's not a great job market, but nothing is hiring? No?

• 8:36Speaker 04

  She spent three years looking for a job for a while.

• 8:38Speaker 03

  That I did do.

• 8:39Speaker 04

  Because always saying nothing was hiring.

• 8:41Caleb Hammer?

  How looking? Oh, when was that?

• 8:43Speaker 04

  Few years ago.

• 8:44Caleb Hammer?

  Okay, well, that's when literally everyone was hiring in the best employment market we've had in the history of the United States. So fuck off with that. So that excuse no longer holds water.

• 8:52Speaker 03

  I've sent out so many applications.

• 8:54Caleb Hammer?

  Nobody is hiring you because your resume sucks or your interview skills suck or your skills actually suck or you're bad at working and now you can only sell drugs to druggies. That's all you're capable of doing or driving in a car, which is what pretty much every immigrant does when they come to San Antonio. So that's pretty much where you are.

• 9:12Speaker 03

  Unfortunately.

• 9:13Speaker 04

  Yeah, she does.

• 9:14Caleb Hammer?

  Unfortunately, so you recognize you're 100% the problem. You don't even have an alternative opinion to this. Very good. So the answer is leave her. She's a complete failure. She's a fuck up. She's done. I mean, that's it, right? I mean, I'm sorry. I mean, you didn't stick up for anything. You didn't try to advocate for any kind of position or opinion. You're just like, nope, I suck. I'm the problem. Good. She's done. She is not willing to work on it for the past few years. That's it. End the relationship. Why the fuck would you stay with that? I don't understand. Like, at least if she had an argument, even if it was wrong, at least there's some kind of perspective to be had. But she doesn't. She's just like, no, I'm a failure. I'm okay with it. How would you ever want to stay with someone like that?

• 9:50Speaker 04

  Well, to be fair, the last job she had before this one was a computer. She was working from home on the computer and...

• 9:57Caleb Hammer?

  Working from home on computer?

• 9:59Speaker 05

  Everything's computer. That's beautiful. Wow.

• 10:02Speaker 04

  Yes, but dogs, I was living with my friend at the time. Our dog and his dog got into a fight. They're both pit bulls. She tried to stop it and now she...

• 10:11Speaker 03

  That didn't work out.

• 10:12Speaker 04

  Her hands got torn up. Her hands and her arms got torn up.

• 10:14Speaker 03

  They both like severe nerve damage in both of my hands. You can like see all the scars.

• 10:20Speaker 04

  That's after scar surgery, too.

• 10:21Caleb Hammer?

  Type for me.

• 10:23Speaker 03

  I'm fine now.

• 10:24Caleb Hammer?

  What the is the issue?

• 10:25Speaker 04

  I mean, I guess for the few months after that, right? She couldn't type. So she was on some kind of not medical leave.

• 10:30Caleb Hammer?

  What's the point here?

• 10:31Speaker 04

  Medical break. And that's when she lost her job.

• 10:33Caleb Hammer?

  Does that have to do with her not saying no one's hiring for two to three years?

• 10:37Speaker 04

  No, not really.

• 10:38Caleb Hammer?

  So what the was the point of that? What was the cope? Just because you're attracted to her and you like her doesn't mean she's gonna be a good person in this relationship. I, correct me if I'm wrong here, but we brought up the problem, the problem that you are having and her entire thing was like, yes, I do suck and I am a loser and I don't care.

• 10:57Speaker 04

  Well, she did finally get a job.

• 10:58Speaker 03

  It's not that I don't care. It's I struggle finding, I don't know what I want to do in life. I want to find a career, but like I don't know what I want to do.

• 11:07Caleb Hammer?

  That's not my problem. It's not his problem. It's your problem. Being an adult, step the up and deal with it. What do you want from me? I don't know what I want to do in life. Then take an employment quiz, talk the, hey, I do something. Like what the am I supposed to do? Like, that's not a problem that can be solved by someone else. You're just gonna cry about it forever that you don't know what you want to do? Like, I'm sorry, I'm probably coming across as a dick, but like what point? Like, what's the, what's the alternative? Oh, okay. Well, I'm sorry to hear that.

• 11:36Speaker 03

  Yeah.

• 11:36Caleb Hammer?

  And then what? You never do anything ever? It's like, what? No, figure it the out. And I also don't care. It's an income. If you can't figure it out, you still need to get an income. I don't really give a shit. I'll get you a course career certification and something you want. Why? If you can actually figure out what you want. People in the audience have converted those into six-figure jobs. Just you gotta figure out what the you want.

• 11:55Speaker 04

  We've had these conversations and it just doesn't go anywhere, just like this. She doesn't know what she wants to do. She wants to go back to school, but she has no, but she has no idea what she wants to go back to school for.

• 12:04Caleb Hammer?

  Why would you even go back to school? That doesn't even necessarily matter.

• 12:07Speaker 04

  I don't believe in like college and all that.

• 12:08Caleb Hammer?

  You don't believe in college? Well, that doesn't make sense either.

• 12:11Speaker 04

  No, not unless you actually need it, right? All these people spend money, thousands of dollars, go to college and don't do anything with the degree. Exactly.

• 12:18Caleb Hammer?

  Sure, but a lot of them do nothing. People with degrees earn double lifetime earnings.

• 12:22Speaker 04

  Not necessarily.

• 12:23Caleb Hammer?

  Well, no. On average, the overall statistic is those with the degree, not necessarily, fuck you, not necessarily. The statistic is double lifetime earnings.

• 12:32Speaker 04

  Didn't, uh, didn't someone, I couldn't remember who, someone famous said that the next generation of millionaires are gonna be plumbers, HVAC and electricians. None of those people need degrees.

• 12:42Caleb Hammer?

  Yeah, and Abraham Lincoln said, nigger.

• 12:46Caleb Hammer?

  So I don't care what your famous person said. How do we even know if what that famous person said is real? Or not? Like, what, what did he say? What did he say?

• 12:54Speaker 04

  That the next generation of millionaires are gonna be plumbers, electricians, and HVAC, the trades.

• 12:59Caleb Hammer?

  Sure, yeah, no, they're gonna do very well.

• 13:01Speaker 04

  We don't have to spend thousands of dollars on degrees.

• 13:02Caleb Hammer?

  All everyone can do? All of a sudden, that happens, the pay for that demand goes down because the demand is lower because there's a lot of people in the job market. If everyone did that, the pay wouldn't be as good.

• 13:11Speaker 04

  I'm just, I'm just saying, I don't agree you should go to spend thousands of dollars on college unless you're gonna go be a doctor or engineer and actually use that degree for something.

• 13:19Caleb Hammer?

  Teachers do well with their degree.

• 13:21Speaker 04

  A lot of teachers now don't even need degrees now, right?

• 13:24Speaker 03

  You need a, like a bachelor's degree to go to any school to be a teacher. To be at a library, you need a master's degree.

• 13:32Caleb Hammer?

  There's a lot of degrees that make sense. I'm not saying go get an art degree or a music degree, but there's a lot of degrees that make sense.

• 13:37Speaker 04

  Okay, but going to college with no purpose doesn't make sense.

• 13:40Caleb Hammer?

  Sure, there you go. Once you push the goalposts all the way to the other side of the earth, yes, I agree with you. But your "I don't agree with college" at the beginning is...

• 13:49Speaker 04

  Not everybody needs college. And a lot of people waste money going to college and waste their degrees.

• 13:54Caleb Hammer?

  Jensen from Nvidia.

• 13:56Speaker 04

  Did you look it up?

• 13:57Caleb Hammer?

  I didn't.

• 13:57Speaker 06

  That's my quant.

• 13:58Speaker 03

  Your what? The magic man in the computer did.

• 14:03Caleb Hammer?

  We love him.

• 14:04Speaker 03

  I want to at least go to college to get my basics and...

• 14:07Caleb Hammer?

  Why do you need your basics if you're not gonna convert that into a degree that has a return on investment?

• 14:11Speaker 03

  Hopefully, at that point, I'd be able to figure out what I want to do and continue on to further.

• 14:16Caleb Hammer?

  Hey, you're 24 and you've never figured out anything ever, and you literally just sit and your only complaint is, "I can't figure it out."

• 14:21Speaker 03

  In my defense, I thought I would have offed myself by now, but I obviously didn't.

• 14:25Caleb Hammer?

  That's only what every other guest says on this show. So that's such a bullshit thing, such a Gen Z... Shut the [BEEP] up. Shut up. Okay, Boogie298, like, what? Shut up. That's, that's not a reality that was ever probably likely considered. I don't even want to hear it, don't even say. That is seriously 30% of all guests are saying that these days. "I don't even need to think about it. I wasn't even worried about it. I didn't even think I'd be alive." Shut the [BEEP] up. Shut the [BEEP] up. Grow up and do something. Take a second and think and advocate for yourself. What a dumbass bullshit, stupid [BEEP] point you have. You have no maturity in life, and you refuse to do anything, especially even for your fiance. It's kind of gross. Step up!

• 15:10Speaker 03

  I do a lot. I take care of everything at home. The dogs, the groceries. I cook dinner every single night of the week.

• 15:16Caleb Hammer?

  So you just want to be a trad wife?

• 15:17Speaker 03

  That would be fun, but we can't quite afford that.

• 15:20Caleb Hammer?

  Okay, what's your job?

• 15:22Speaker 04

  We tried that.

• 15:22Caleb Hammer?

  What's your job Jake, Drake?

• 15:24Speaker 04

  I'm an HVAC technician.

• 15:26Caleb Hammer?

  Oh, I wonder where that big opinion came from earlier. Like that the labor demand is so tight. That is why your pay is high.

• 15:35Speaker 00

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

• 16:04Caleb Hammer?

  Enjoy it.

• 16:05Speaker 04

  Also did plumbing before this.

• 16:06Caleb Hammer?

  Congratulations. What do you make?

• 16:10Speaker 04

  Uh, 4,000 a month salary. Uh, plus some commissions.

• 16:16Caleb Hammer?

  How much commission? Cause that isn't like the big ego stroke.

• 16:19Speaker 04

  Uh, it really just depends, right? HVAC could be slow during the winter.

• 16:24Caleb Hammer?

  Average month asshole.

• 16:25Speaker 04

  I guess average 1,500 to 2,000.

• 16:29Caleb Hammer?

  A month?

• 16:30Speaker 04

  A month.

• 16:30Caleb Hammer?

  Okay, so what hits your account a month?

• 16:33Speaker 04

  Uh.

• 16:34Caleb Hammer?

  On average?

• 16:35Speaker 04

  On average, I guess a little over 5, 5,500.

• 16:38Caleb Hammer?

  Okay, I mean, you can do a household in San Antonio on that. So you could trad wife it. And I know from what we have is she desperately wants to get pregnant and become a MILF ASAP. But I guess you guys don't agree on this kid thing at all. You guys don't even join on finances. Can't even have conversations about money without her shutting down.

• 16:58Speaker 03

  Yeah, slightly.

• 17:00Caleb Hammer?

  And he won't even stick it in you as far as I know, right?

• 17:02Speaker 04

  Work can be stressful sometimes.

• 17:04Caleb Hammer?

  Work can be stressful sometimes.

• 17:05Speaker 04

  I'm also, I'm also the service manager.

• 17:08Caleb Hammer?

  Ah, okay, that would.

• 17:09Speaker 04

  So, yeah.

• 17:10Caleb Hammer?

  So you want to get babies put in you. He's not really putting it in you. And life is stressful. You can't even talk about money. He shuts down the financial conversations. You can't even answer questions to save your life. What the is going on? Why are we even together if we don't agree on literally pretty much anything? And things aren't even healthy here.

• 17:27Speaker 04

  Um, cause I love her. She's hot.

• 17:30Speaker 03

  God damn.

• 17:31Caleb Hammer?

  That what you wanna hear?

• 17:32Speaker 03

  Not necessarily.

• 17:33Caleb Hammer?

  You're not bad looking.

• 17:35Speaker 03

  I'd like to think that's not my best or my only quality, but.

• 17:40Caleb Hammer?

  Okay.

• 17:41Speaker 03

  I'd wanna be more than just pretty.

• 17:43Caleb Hammer?

  Okay, says the wannabe trad wife.

• 17:45Speaker 03

  We attempted that.

• 17:45Speaker 04

  That's why I made her get a job because after the whole computer thing, sorry, I uh, I gave her some time to be stay at home and I was making some money and but I would come home, the house wasn't clean, dishes were stacking up in the sink.

• 17:59Caleb Hammer?

  Aren't you doing shit?

• 18:00Speaker 03

  Pure laziness at that point, honestly.

• 18:02Caleb Hammer?

  Uh, that seems to be the reality currently, that you getting in another job or being responsible in any way, or two years when you were looking for a job and no one's hiring, even though everyone was hiring anyone.

• 18:12Speaker 03

  I was doing like DoorDash in that time period, so it wasn't like.

• 18:15Caleb Hammer?

  Well, that's not.

• 18:16Speaker 03

  It's not necessarily.

• 18:18Speaker 04

  Three hours of it.

• 18:20Caleb Hammer?

  Per?

• 18:21Speaker 04

  Per day, if that.

• 18:22Caleb Hammer?

  Well, she's doing something.

• 18:23Speaker 03

  A bit more than that.

• 18:24Caleb Hammer?

  Only staying home.

• 18:25Speaker 03

  I'd leave it like anywhere between like nine and 11 and then I'd come home, but like 4:35 ish.

• 18:31Caleb Hammer?

  How are you guys able to have this lifestyle that you want when in the interview again, before this, when you weren't there, he's saying, oh my goodness, it is so annoying how she's constantly asking for everything. And then you said independently, it's so annoying how he's always saying no for everything I'm asking for.

• 18:46Speaker 04

  That's cause she has a bad habit in like five minutes, bringing up 10 different things we can spend money on. And Ed stressed out with everything else. We gotta spend, I gotta pay bills. We have a wedding coming up. I have absolutely zero money saved up for, you know? We don't have all the extra money to be blowing on rent. She wants a goat, a house, a car, anything and everything. She'll, she'll ask for it.

• 19:07Caleb Hammer?

  I mean, I have a note that you think she's the entire problem for y'all's financial situation.

• 19:11Speaker 04

  Well, she does spend a lot.

• 19:14Speaker 03

  I know nothing about the finances. If I knew more, I.

• 19:17Caleb Hammer?

  Why don't you clue her in?

• 19:18Speaker 04

  I don't know. I just.

• 19:19Caleb Hammer?

  What are you hiding the finances?

• 19:20Speaker 04

  No, I'm not hiding any.

• 19:22Caleb Hammer?

  That's a relatively decent argument.

• 19:24Speaker 04

  I have a bad habit of asking people for help or I just do everything myself because I know it's gonna get done.

• 19:29Caleb Hammer?

  Look dude, what the fuck are you talking about? Help? You're not asking for help. It's like she doesn't know what's going on in the finances. So she just swipes.

• 19:36Speaker 04

  Well, she, she kinda does. She does know. She knows.

• 19:39Caleb Hammer?

  Well, what? She just said she doesn't.

• 19:40Speaker 04

  Car insurance. She knows the rent. She just doesn't know exactly like, I guess, when it gets paid, but she does, because I, I have.

• 19:48Speaker 03

  I know ballpark numbers. I know how much the car payment is and I know how much rent is.

• 19:53Caleb Hammer?

  Knowing how much a payment is is different than knowing how much money is coming in, where it is and.

• 19:57Speaker 04

  See, we don't sit down or ever have conversations like that.

• 20:00Caleb Hammer?

  Well, she's advocating for that.

• 20:02Speaker 03

  Yeah.

• 20:03Caleb Hammer?

  She's saying her spending's bad, but she doesn't even know her spending's bad.

• 20:06Speaker 03

  I know, like I'm severely severely self-aware that my spending is bad. It's.

• 20:11Caleb Hammer?

  Then why do you do it?

• 20:14Speaker 04

  Great question.

• 20:14Speaker 03

  That is a great question. Honestly, my entire life, everything has always just been handed to me. And it is a very horrible.

• 20:22Caleb Hammer?

  How would you grow up? That's the whole entire point of this conversation so far for you. Stop being a literal child.

• 20:28Speaker 04

  She went from living with her parents to living with me and I started paying all the bills.

• 20:32Caleb Hammer?

  There was no transition period?

• 20:33Speaker 04

  No.

• 20:33Speaker 03

  No.

• 20:34Caleb Hammer?

  Because you're still children.

• 20:35Speaker 03

  Yeah, no, I, we, when we started, like I moved on to my parents' house. I never, I've never lived on my own. I've never had to like take care of all of the bills and everything on my own. And so like I am very ignorant whenever it does come to that because everything.

• 20:49Caleb Hammer?

  How ignorant are you? When you're sending statements for the show, you guys got into a massive fight the moment he saw your statements.

• 20:54Speaker 04

  I didn't realize she wasn't paying off her credit.

• 20:56Caleb Hammer?

  Tell me exactly what happened with that.

• 20:57Speaker 04

  Because she told me, oh, I'm gonna get groceries on my, I'm gonna open up a credit card and I know her spending, so I kind of urged her not to. And she was like, well, I'm gonna do it. I'm, now that I have a job, I'll use it to get groceries and then I'll pay it off every month and just use it to build my credit. Well, I guess that happened one time and she never paid it off. And I didn't realize that. I didn't know she. And when we were sending in statements, she was like, yeah, this is maxed out because I never paid it.

• 21:24Speaker 03

  Yeah.

• 21:24Speaker 04

  Same thing with her cash app. I didn't know her cash app borrow was maxed out either.

• 21:29Speaker 03

  I thought getting a credit card would be a good idea. I thought that I would be responsible and pay it off unfortunately. I have a like, I don't like to pay it off. I want the money.

• 21:40Caleb Hammer?

  You don't like to pay it off?

• 21:41Speaker 03

  It's not that I don't like to. It's, I don't want to spend the money. Yes. I don't want to spend the money because then it's not in my account and then I can't spend it on other things.

• 21:50Caleb Hammer?

  And this is what you want to be with?

• 21:52Speaker 04

  That's why we're here. I want to get it changed, especially before we get married and combine finances.

• 22:00Speaker 03

  I need to pay it off. It's in my brain that I need to pay it off and I know I do.

• 22:04Caleb Hammer?

  Okay, so you're incapable of everything. You can't look for a job. You can't pay off a card. You you can't figure out what you want to do. You can't figure out even what class to take. You can't do anything and your only excuse is I can't do it. Like what the? I I don't know how to work with that. I someone like you is just a job. They think because people in this like TikTok generation of bullshit Gen Z crybaby, you know, moral masturbators, they accept you saying my boundary is not having to think about that. It's like, no, fuck your boundary. I don't give a about your boundary. Your boundary doesn't all of a sudden entitle you to be a moron. Like like this is your enablement no longer. You not thinking is you fucking up your life, but what am I gonna do with that?

• 22:49Caleb Hammer?

  I can't do anything. I don't give a and I have no sympathy for it. You're just choosing not to and you're falling back on that excuse that other people have allowed for you to excuse your behavior. Grow up.

• 23:01Speaker 03

  It's I'm I I know that there's like, I know I need a new like, I need a new job and I need to find something before I quit. I like I like I'm too comfortable with not like my job is easy. I don't have to do much. And so I like, I'm too comfortable.

• 23:16Caleb Hammer?

  My job is easy. That's why I'm quitting.

• 23:18Speaker 03

  I'm quitting because I like I'm not getting I'm not making the amount of money that I need to be making.

• 23:23Caleb Hammer?

  And you haven't asked them once. You haven't even literally brought it up in a singular conversation.

• 23:28Speaker 03

  I was told something about the management position and then ever since then.

• 23:32Caleb Hammer?

  Don't care. You haven't brought up your pay at all. Not once.

• 23:37Speaker 03

  Twelve an hour.

• 23:38Caleb Hammer?

  I don't care. You have. No, you you haven't brought up your pay to them one time.

• 23:44Speaker 03

  Oh, yeah, no.

• 23:46Caleb Hammer?

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

• 24:30Caleb Hammer?

  You can see if you pre-qualify in minutes, and it won't impact your credit score. But here's the deal. This isn't a magic bullet. If you refinance your debt but keep swiping, you're just making the problem worse. You still need to fix the behavior that screwed you in the first place. But if you're serious about getting out of debt faster, you could potentially lower your monthly payment by securing a single payment at a much better rate. Check out the link in the description below to see your personalized offers, or go to CalebHammer.com. And remember, you've still gotta do the work. You suck with money, so you download a budgeting app. You start with the classic one, YNAB, but everyone just deletes it because it's way too complicated to use. So you go to EveryDollar. That's Dave Ramsey, the personal finance guy, right? Well, they're gonna force you to use it his way.

• 25:15Caleb Hammer?

  That's not very personal finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end? Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like Dollar Wise. Built by these people just like you for people just like you. No private equity, no gimmicks, just the best budgeting app there is. Download it now, start the free trial. DollarWise.com, link in the description below. If you're incapable of doing that, it's not even confrontation. You're just bringing up a conversation. At least drop it as a nugget. Bro, you're incapable of doing anything.

• 26:00Caleb Hammer?

  How you wake up every day, I don't even know. You're incapable of anything. Are you not hearing that yet? And that's what you want to be with? I am so confused on that. I could never handle that in my life. She can't do anything. Anything.

• 26:15Speaker 04

  She did get to retire me for a few months when she got her dead uncle check.

• 26:19Speaker 03

  Yeah. I got a $122,000 inheritance check, to then which we like blew in a year and a half.

• 26:28Caleb Hammer?

  Two months? A year and a half had what?

• 26:29Speaker 03

  No, it was about six, it was like eight months.

• 26:31Caleb Hammer?

  I what?

• 26:32Speaker 04

  A school bus?

• 26:33Speaker 03

  We decided to chase his dream.

• 26:35Caleb Hammer?

  Your dreams is school bus? You, you.

• 26:39Speaker 03

  It was his dream.

• 26:39Caleb Hammer?

  It's pretty cool.

• 26:41Speaker 03

  That was not my dream.

• 26:41Caleb Hammer?

  And?

• 26:42Speaker 04

  And we converted it into a mobile home.

• 26:45Caleb Hammer?

  For a hundred twenty thousand?

• 26:46Speaker 04

  No, no, that was only maybe forty thou- She thinks it's sixty, I say thirty, so we meet in the middle and say it's about forty-five.

• 26:53Caleb Hammer?

  What? How's that gonna work? How would you just do the math?

• 26:57Speaker 04

  We did, and I swear it was only like thirty-five thousand that we spent into it.

• 27:00Speaker 03

  I feel like it was more.

• 27:02Speaker 04

  No, cuz we sat down and did the math.

• 27:04Caleb Hammer?

  I don't care.

• 27:05Speaker 03

  Besides the point, yeah.

• 27:06Caleb Hammer?

  Oh my, and where'd the rest of it go?

• 27:09Speaker 04

  I did quit working for six months.

• 27:11Caleb Hammer?

  What?

• 27:12Speaker 04

  I was building the school, I was building it out, so the plan was-

• 27:14Caleb Hammer?

  That was your job was building out a school bus? Oh, you suck. Oh, you suck equally now.

• 27:21Caleb Hammer?

  Buddy, no one would survive off a hundred twenty thousand dollars.

• 27:24Speaker 04

  No, as we learned, it went pretty quickly.

• 27:26Caleb Hammer?

  You thought you would make it to death? Hundred twenty thousand dollars?

• 27:29Speaker 04

  No, not to death.

• 27:29Caleb Hammer?

  Then how can you take time off of work? Cuz that just needs to sit there, needs to grow. You just lost millions of dollars if you put that in the marketplace over the course of your life in compound growth. Millions lost!

• 27:42Speaker 04

  Yeah, it's a big regret.

• 27:43Caleb Hammer?

  And what's, uh-huh, and what's the situation of the school bus?

• 27:47Speaker 04

  Uh, right now, it's parked in our backyard, but it's making us passive income, I guess, cuz my brother lives in it, and I charge him four hundred and fifty dollars a month to live in it.

• 27:56Caleb Hammer?

  Why don't you sell it?

• 27:57Speaker 04

  I don't wanna sell it.

• 27:58Caleb Hammer?

  I don't care.

• 27:59Speaker 04

  Cuz I wanna take trips in it.

• 28:00Caleb Hammer?

  Wow.

• 28:01Speaker 04

  The plan was to travel and live like the van life.

• 28:03Caleb Hammer?

  But how can you, you guys don't make money.

• 28:07Speaker 04

  And start making money.

• 28:08Caleb Hammer?

  HVAC, like you're, it's not a-

• 28:11Speaker 04

  It's not easy.

• 28:12Caleb Hammer?

  Well, no, it's, exactly.

• 28:14Speaker 04

  But I'll have, during the winter, it slows down a little bit, I'll be able to.

• 28:19Speaker 04

  Take some nice winter trips.

• 28:20Caleb Hammer?

  And her?

• 28:23Speaker 00

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• 28:52Speaker 04

  She works part-time, she can probably get off.

• 28:55Caleb Hammer?

  Except she doesn't.

• 28:57Speaker 04

  Yeah.

• 28:57Speaker 03

  It's like mostly full-time lately.

• 29:00Caleb Hammer?

  What the fuck are you talking about dude? Sell this shit.

• 29:02Speaker 04

  No, I don't want to.

• 29:03Caleb Hammer?

  Get the money, pay off the debt.

• 29:05Speaker 04

  No, if I sold it, I would be buying another bus and doing it again. Great process.

• 29:09Caleb Hammer?

  And the rest of the check just went to literally living because you guys wanted to sit on your ass for six months?

• 29:14Speaker 03

  Living.

• 29:14Speaker 04

  And drugs.

• 29:16Speaker 03

  Smoked a lot of weed.

• 29:17Speaker 04

  We were spending at least a thousand dollars a week on Bud.

• 29:20Caleb Hammer?

  A thousand dollars a week on weed?

• 29:22Speaker 04

  Yeah, for like a solid three months.

• 29:25Speaker 03

  Yeah.

• 29:26Caleb Hammer?

  You guys are losers, man. You guys are losers. When was this?

• 29:30Speaker 04

  This was 2023.

• 29:33Caleb Hammer?

  Bro, you guys were like 20.

• 29:35Speaker 03

  2022.

• 29:36Speaker 04

  2022, yeah.

• 29:37Caleb Hammer?

  You 20 and 21, you guys are.

• 29:41Speaker 04

  Yeah, we weren't the brightest.

• 29:42Caleb Hammer?

  Did anyone have any advice? Did anyone talk to you guys?

• 29:47Speaker 04

  Actually, my dad.

• 29:48Speaker 03

  His dad said it was a great idea. My dad said we were stupid.

• 29:51Speaker 04

  Yeah.

• 29:52Caleb Hammer?

  Your dad's right. What the fuck is wrong with your dad?

• 29:55Speaker 04

  Dad's a hippie as well.

• 29:57Caleb Hammer?

  Uh, hippie doesn't mean poor.

• 29:59Speaker 04

  Yeah. Yeah, he kinda is.

• 30:02Caleb Hammer?

  Oh, he is. Doesn't mean you have to be and poor, though.

• 30:06Speaker 04

  Yeah, yeah, he kinda pushed me into getting the bus because I've always, I've always dreamed about it for a while. Um, I always wanted to do it when I was younger. And then, you know, we had the money and we were looking at buses, talking about it, and he kinda pushed us into doing it.

• 30:19Speaker 03

  We get swayed into things relatively easy. I wanted a house and/or a new car.

• 30:23Caleb Hammer?

  A house? You want to buy a house?

• 30:25Speaker 03

  That's what I wanted to do with the check and it was.

• 30:28Caleb Hammer?

  That would have made sense. At least that's an asset, relatively.

• 30:31Speaker 04

  A bus is an asset too, it's paid off.

• 30:33Caleb Hammer?

  You say at the high end, forty-five thousand of the hundred twenty went to that. So at least with a hundred twenty, put in a house, you couldn't touch it.

• 30:41Speaker 04

  I mean, the bus, it's something to live in if we ever are homeless, so it is a house.

• 30:44Caleb Hammer?

  Why would you ever be homeless? How about don't fuck up?

• 30:47Speaker 04

  That's the plan.

• 30:48Caleb Hammer?

  Uh huh, so sell it then. This is so stupid.

• 30:51Speaker 04

  Well, it's still an RV, basically. I can use it to travel.

• 30:54Caleb Hammer?

  Okay. Are you guys ever gonna get jointed though? So that we both have eyes on the money as a full picture before we're about to enter marriage in June?

• 31:01Speaker 04

  I feel like that's an after-marriage thing.

• 31:03Caleb Hammer?

  Maybe, but are you, are you even gonna do a joint?

• 31:06Speaker 04

  If she can control her spinning a little bit?

• 31:09Caleb Hammer?

  Well, or can you control it? I want to, I just never have.

• 31:13Speaker 03

  If the card's not in my purse or not around me, then that, the money-

• 31:17Caleb Hammer?

  So again, you're incapable of doing anything. Someone else would have to do it for you.

• 31:20Speaker 03

  The guy, I'm incapable of holding money.

• 31:22Caleb Hammer?

  Why are you marrying a literal child? This is a joke. This is pathetic.

• 31:28Caleb Hammer?

  Guys, you are not headed in the right direction. She was literally, she's, she's already considering starting an, oh, wow, to sell her feet that look like children's feet.

• 31:36Speaker 04

  We've talked about it.

• 31:38Speaker 03

  Gotta do what you gotta do for a paycheck.

• 31:41Caleb Hammer?

  Or just work. Why is-

• 31:43Speaker 03

  Get a real job.

• 31:43Caleb Hammer?

  The woman's only excuse in 2026-

• 31:46Speaker 04

  I know, right?

• 31:47Caleb Hammer?

  Is that, yeah, that's your potential wife.

• 31:50Speaker 04

  No, that's why I talked her out of it.

• 31:52Speaker 03

  There was, we never really considered it.

• 31:54Caleb Hammer?

  Can you talk her out of it? What do you mean you never really considered it? You were considering it.

• 31:58Speaker 03

  It was a, like, last resort, not likely happening.

• 32:03Caleb Hammer?

  You're about to quit your job and not have a paycheck until training starts in June. Last resort becomes real quick. Wait, okay, whip them out, put it on the table. Let's see what we're working with.

• 32:14Speaker 03

  My feet?

• 32:15Caleb Hammer?

  Yeah.

• 32:16Speaker 03

  For free?

• 32:16Caleb Hammer?

  Yeah.

• 32:18Speaker 03

  No, my toes aren't done.

• 32:19Caleb Hammer?

  Do them. Whip them out. See if these are worth payables. Not really a feet guy, but let's find out. Chat, would you pay for these?

• 32:29Speaker 03

  Don't, no, that's weird.

• 32:30Speaker 04

  Hey, let us know if it's good money. I mean, we might have to start it.

• 32:35Speaker 03

  Don't look at the bottom of my feet.

• 32:36Caleb Hammer?

  Okay, they just look like feet. I mean, I'm a little confused.

• 32:38Speaker 03

  They're small. They look like child's feet. I have tiny-

• 32:41Caleb Hammer?

  Would people even know proportions via picture?

• 32:44Speaker 03

  Maybe.

• 32:45Caleb Hammer?

  If you put it next to like a banana?

• 32:46Speaker 03

  A weirdo's gonna be a weirdo.

• 32:48Caleb Hammer?

  A weirdo's going to be a weirdo. They'll ask for you to like piss on your feet, yes, but I don't know about like-

• 32:52Speaker 03

  Oh, god.

• 32:53Caleb Hammer?

  If it's for children.

• 32:56Speaker 03

  You know?

• 32:57Speaker 04

  Yeah, I always told her I'll pick up some side jobs or do what I have to do before we start doing that.

• 33:01Caleb Hammer?

  Cause she again isn't capable of anything.

• 33:04Speaker 03

  I can do things.

• 33:06Caleb Hammer?

  What?

• 33:06Speaker 03

  Whenever.

• 33:07Caleb Hammer?

  What have you done? What the have you done? Cause in this conversation, I haven't heard shit.

• 33:11Speaker 03

  I had a hundred and twenty-two thousand dollar check.

• 33:13Caleb Hammer?

  Yeah, your uncle died. That's what you accomplished?

• 33:15Speaker 03

  No, yikesies. That sounds horrid.

• 33:18Caleb Hammer?

  That's it? Right? You spent it. You weren't capable of managing it?

• 33:25Speaker 03

  Very true. I, you know.

• 33:27Caleb Hammer?

  So what the are you capable of? You said I can do things. Give me an example. You can't even sign up for a course at a community college. You're broken.

• 33:35Speaker 03

  Into them.

• 33:36Caleb Hammer?

  Oh, good. She's she's looked. She Googled something.

• 33:39Speaker 03

  I don't know what I like. It goes back to I don't know what I want to do.

• 33:42Caleb Hammer?

  Okay, take an assessment, have conversations, look things up, read a book. That's your fault, your problem. Figure it the out. You might not have a perfect situation, but you will at least lean towards something that you would want to do more than something else.

• 33:56Speaker 04

  I told her always if she doesn't know, she could start getting into like scheduling and phone calls and customer service to help me whenever I want to start a business.

• 34:04Caleb Hammer?

  Oh, for sake. Oh, my goodness. This will be the biggest business failure in the history of the world.

• 34:09Speaker 03

  He's already had a business failure.

• 34:11Caleb Hammer?

  Yes, I'm not surprised. What was it?

• 34:13Speaker 04

  I helped a buddy of mine start an HVAC company. It was actually pretty successful.

• 34:19Caleb Hammer?

  Oh, yeah?

• 34:20Speaker 04

  Yes.

• 34:21Caleb Hammer?

  Uh huh.

• 34:21Speaker 04

  A year, a year and a half, we hit our million dollar mark.

• 34:24Caleb Hammer?

  Wow, and?

• 34:25Speaker 04

  And his dad was our silent investor who helped us get started, not very silent. Um, and started pulling a lot of money away from the bank account before it was scheduled to start him receiving his payments.

• 34:37Caleb Hammer?

  Probably his money.

• 34:38Speaker 04

  That's the way he saw it, but those that's his money was already spent.

• 34:41Caleb Hammer?

  The way he was legally saw it?

• 34:43Speaker 04

  No, because legally he wasn't supposed to start getting paid yet.

• 34:45Caleb Hammer?

  Did you assume?

• 34:46Speaker 04

  Uh, that was between him and his dad and I kind of gave up on everything.

• 34:50Caleb Hammer?

  What percentage did you own?

• 34:51Speaker 04

  It, see, and that was the other thing, right? The talk, I always own 10% of the business, 10% of the business. But whenever I asked for paperwork.

• 34:58Caleb Hammer?

  People like you get things on paperwork. I don't get it.

• 35:01Speaker 04

  I don't know. And that's where I screwed myself and I just walked away from it because I did so much for that company.

• 35:06Caleb Hammer?

  Well, you, he got an angel investor of how much?

• 35:08Speaker 04

  Uh, I think he invested a hundred and fifteen.

• 35:11Caleb Hammer?

  How are you investing a hundred and fifty into this business that you're going to take off and bring your wife away to do calls when she's incapable of even doing anything in her life?

• 35:18Speaker 04

  A hundred and fifty to start.

• 35:19Caleb Hammer?

  Sure, but you were able to get to a million dollars and I bet a hundred and fifty dollars helped, a hundred and fifty thousand dollars helped you get there.

• 35:25Speaker 04

  Does, work vans and stock and all that.

• 35:28Caleb Hammer?

  You know, HVAC. Yeah, that's interesting.

• 35:30Speaker 04

  Yep. I mean, I have a lot of contracts.

• 35:34Caleb Hammer?

  Business doing today?

• 35:35Speaker 04

  Oh, they shut down a week after I left.

• 35:38Caleb Hammer?

  Yeah, I don't think.

• 35:39Speaker 04

  But I, um, I, I still retain a few of those contracts from when I was there because they weren't in there for him. They were there for me.

• 35:47Caleb Hammer?

  I just don't understand. Guys, how are you getting married in June if we can't have a financial conversation? If we don't trust the joint account because he's not willing to do a joint account with you because he thinks you'll just spend his money too? If you don't even have anything saved going into the wedding, how the is marriage in a couple of months even a part of the conversation?

• 36:03Speaker 03

  Hopes and dreams.

• 36:04Caleb Hammer?

  Nope.

• 36:05Speaker 04

  Well, we were technically supposed to get married last year.

• 36:07Caleb Hammer?

  And?

• 36:07Speaker 04

  And we had nothing saved up.

• 36:09Caleb Hammer?

  And you have nothing saved up?

• 36:11Speaker 04

  Yes, but now we have a venue picked out and set, so, and we've sent some invitations out.

• 36:16Caleb Hammer?

  Very good. How much does the venue cost?

• 36:18Speaker 04

  It only cost a nine hundred. It's a really nice venue, but my boss helped me out with it. He knows the.

• 36:22Caleb Hammer?

  And what about the rest? What's the wedding going to cost?

• 36:24Speaker 04

  We're.

• 36:25Speaker 03

  The venue is like nine hundred. I have a wedding invitation for you.

• 36:29Caleb Hammer?

  Thanks. Okay.

• 36:31Speaker 04

  The rest is going to cost about 10,000. That's what she says no.

• 36:34Caleb Hammer?

  How much you guys have?

• 36:35Speaker 03

  None.

• 36:36Speaker 04

  Nothing.

• 36:36Caleb Hammer?

  Okay.

• 36:37Speaker 03

  But I was talking, I talked to my dad.

• 36:38Caleb Hammer?

  Invitation?

• 36:39Speaker 03

  I for you.

• 36:40Caleb Hammer?

  How are you going to feel when Brandon your wife on the wedding night?

• 36:42Speaker 04

  No, that's not happening.

• 36:44Caleb Hammer?

  It's your biggest fear. We'll make it come true.

• 36:46Speaker 04

  Brandon, stay away, buddy.

• 36:48Speaker 03

  I did, we did talk to my dad over the weekend and he is helping us with a portion of it. We just need to get him.

• 36:53Caleb Hammer?

  What's a portion?

• 36:54Speaker 03

  We need to get him the numbers of like the vendors and cost.

• 36:59Caleb Hammer?

  Very good. Thank you. Yes. You're very excited about this invitation. That's wonderful. Great. I, I would not come because I'm going to come and nothing's going to be there because you guys aren't paying for this wedding. There's no way you can afford this wedding. I don't know what the you're thinking. If I show up, I will be showing up to nothing.

• 37:15Speaker 04

  And here we go. I hope you're hungry for nothing. Not necessarily. We haven't picked anything out, but we're starting.

• 37:24Caleb Hammer?

  You don't have money!

• 37:25Speaker 04

  Her dad is supposed to help a little bit.

• 37:27Caleb Hammer?

  Help a little bit of the 10. How much is he giving?

• 37:29Speaker 04

  He hasn't clarified.

• 37:31Speaker 03

  We have not clarified.

• 37:32Caleb Hammer?

  So what are we talking about? Why the would I drive an hour and a half?

• 37:35Speaker 04

  It's actually in Cibolo, so it might be a little closer than San Antonio.

• 37:37Caleb Hammer?

  Cibolo? No one's heard of Cibolo.

• 37:40Speaker 04

  It's near Seguin.

• 37:41Speaker 03

  Only outside of San Antonio.

• 37:42Caleb Hammer?

  I've kind of heard of that city, but I know San Marcos and New Braunfels.

• 37:46Speaker 04

  It's right next to New Braunfels.

• 37:47Speaker 03

  Yeah.

• 37:48Speaker 04

  It's in between New Braunfels and Seguin.

• 37:50Caleb Hammer?

  Okay, okay.

• 37:50Speaker 03

  San Marcos or San Antonio.

• 37:52Caleb Hammer?

  Very good.

• 37:53Speaker 04

  And it's a very beautiful property.

• 37:54Caleb Hammer?

  That's wonderful. None of this excites me because you won't be there. You can't afford anything.

• 37:59Speaker 04

  If I have to, I will be there with just me and her.

• 38:02Caleb Hammer?

  I'm not gonna show this because that's the real names.

• 38:04Speaker 04

  And my uncle who's supposed to marry us, and that's it. And I'll be happy with that.

• 38:08Caleb Hammer?

  Guys, I just don't even know. I just, I don't know. If you cannot have a financial conversation, what's the point of anything we're doing here?

• 38:17Speaker 04

  Learning how to have a final.

• 38:18Speaker 03

  Learning how to have the financial conversation.

• 38:20Caleb Hammer?

  I've tried, but you won't even talk when I try to get you guys to talk about an argument you've had. She just goes, "Yeah."

• 38:27Speaker 03

  I shut down.

• 38:28Speaker 04

  She does shut down a lot, and that's why it's hard to have those arguments because she'll just start crying.

• 38:31Caleb Hammer?

  Yeah, well, I heard you shut down the conversations.

• 38:34Speaker 04

  I do too as well.

• 38:35Caleb Hammer?

  Okay, so she shuts down, you shut down. So where is there a conversation to even be had?

• 38:41Speaker 04

  Hardly ever.

• 38:41Caleb Hammer?

  What was the last financial argument we've had?

• 38:43Speaker 04

  When we pulled up the statements.

• 38:44Caleb Hammer?

  And what was your rebuttal?

• 38:47Speaker 03

  I thought that I had told him about everything that I, like, all of my debt. I thought I, that's not, that's not my fault. He didn't remember.

• 38:56Speaker 04

  I do have a hard time remembering stuff as well.

• 38:58Caleb Hammer?

  Wow. Oh, my goodness.

• 38:59Speaker 04

  I have a lot of conversations that happens at work. So I constantly am remembering 100 different things from work and...

• 39:05Caleb Hammer?

  Okay, so she's right. So you were wrong.

• 39:09Speaker 04

  She shuts down as well.

• 39:12Caleb Hammer?

  Guys, you're not giving me examples. Are you incapable of conversations? I'm literally just trying to understand something in a conversation.

• 39:18Speaker 03

  Like, every time that we try to have the conversation, he, I'll say something and he'll get like a salty attitude and then just walk away. And like, the conversation never goes-

• 39:26Caleb Hammer?

  What does that look like? What is said? What's the dynamic?

• 39:28Speaker 04

  It's because she's asking for something.

• 39:29Caleb Hammer?

  Literally anything, please! For fuck's sake, guys. Why can't you answer this question? I don't understand.

• 39:34Speaker 04

  I kinda told you, this is pretty much how our conversations goes. She's asking for something, I say no because we're broke, because I paid bills.

• 39:39Caleb Hammer?

  No, she just said you said something salty. What is that?

• 39:41Speaker 04

  That's pretty much it. I'm broke. I just paid a bunch of bills. I can't pay for that shit.

• 39:45Speaker 03

  And then? The conversation just never goes further from like, every time we've tried to have, like, have a conversation-

• 39:49Caleb Hammer?

  Why are you guys still together? If you can't even have a conversation? Why, why, why has no one considered leaving? Has anyone considered leaving?

• 39:57Speaker 03

  No.

• 39:58Speaker 04

  I have in the past, but that's what pushed her to get a job.

• 40:01Caleb Hammer?

  So only at the threat of leaving do you ever do anything in life?

• 40:05Speaker 04

  I didn't threaten to leave or anything. It was just more of like, I need you to step up and be a partner in this relationship.

• 40:11Caleb Hammer?

  Uh huh.

• 40:12Speaker 03

  Which I did. I stepped up and I got a job.

• 40:14Caleb Hammer?

  Yeah, so unless someone fully confronts you, you are incapable of doing anything.

• 40:17Speaker 03

  I have a lot of issues with trying to do things by myself. And get things done by myself. Which I kind of attribute back to the way that I was raised and everything was just always done for me. Which I, like, I need to break that habit of expecting everything to be done for me, and I know that.

• 40:34Caleb Hammer?

  What do you mean? It's just like, you say the right thing, you just don't do it. So am I confused? I'm confused on how there's any productivity to be had, even you leaving this conversation. And I'm getting a little more insight, because thanks to Lindsay, she's actually able to have, she's able to say things, unlike you guys. I don't know what your problem is, but she actually gave me an example. Thank you, Lindsay. Okay, so she asked you to take her on a trip to Las Vegas or New Orleans, and you said, "Shut the fuck up." Just on the phone. And they're like, it's like, what are we doing? Like, if that's how we're having conversations, you're right. Nothing ever will become productive. And when you say, "Shut," I've never told my girlfriend to shut the fuck up in an argument.

• 41:17Caleb Hammer?

  I've never, I've never just, the moment that would happen, no shit, she's gonna shut down. What do you think's gonna happen? She says, "Shut the fuck up?" Of course!

• 41:26Speaker 04

  It was joking around.

• 41:28Caleb Hammer?

  Oh, was it?

• 41:29Speaker 03

  It's happened multiple times, that sometimes it doesn't necessarily always feel like a joke.

• 41:33Caleb Hammer?

  Mm-hmm.

• 41:35Caleb Hammer?

  Cope?

• 41:36Speaker 04

  I don't mean it to be rude.

• 41:37Caleb Hammer?

  Doesn't matter, she hears it, you're saying that. She hears, "Shut the [__] up."

• 41:45Speaker 04

  I guess I could be nicer in the way I say things, but... She-

• 41:49Caleb Hammer?

  And you blame her for shutting down after she hears that?

• 41:51Speaker 04

  I don't do that every time.

• 41:52Caleb Hammer?

  After her guy tells her to shut the [__] up?

• 41:54Speaker 04

  I do not do that every time.

• 41:55Caleb Hammer?

  Not every time, just happens. Well, she might expect it going into it.

• 42:00Speaker 03

  I, like, I want to have the financial conversations, I want to be more a part of things, it's-

• 42:04Caleb Hammer?

  Then why don't you?

• 42:05Speaker 03

  He doesn't talk to me about them.

• 42:06Caleb Hammer?

  What happens? So he just says, "Shut the [__] up," and that's it?

• 42:09Speaker 03

  He just-

• 42:10Caleb Hammer?

  And walks away?

• 42:10Speaker 03

  "Oh, I paid this, blah blah blah is paid, this bill's paid, that bill's paid," and like, that's the extent of the view.

• 42:15Caleb Hammer?

  So why won't you let her in?

• 42:16Speaker 04

  I do, I let her know every single time I'm paying something.

• 42:18Caleb Hammer?

  What? No, no, no, no, no, no, no, she wants to understand more about the finances, you're like, "Well, I paid this, I paid that, shut the [__] up."

• 42:25Speaker 04

  I do not do that. I-

• 42:27Caleb Hammer?

  That's what she just said and you kind of agreed with it, so how are you saying no?

• 42:30Speaker 04

  No, I tell her every week and I paid something, I'm like, "I'm paying rent this week," and then the next week, I'll be paying utilities.

• 42:36Caleb Hammer?

  Is that what you're asking for?

• 42:37Speaker 03

  No.

• 42:38Caleb Hammer?

  Exactly! You're answering a question that wasn't answered!

• 42:42Speaker 04

  What are you asking for? She's always asking for random stuff, and I just-

• 42:45Caleb Hammer?

  Ask!

• 42:46Speaker 03

  When, after bills are paid, we need to figure out what money is going towards where, we need to, like, we're supposed to be getting married, but we haven't, like, decided anything.

• 42:54Speaker 04

  And I... I guess I don't even do that myself, so...

• 42:59Speaker 03

  It's like, every time that we've had the conversation about, "Okay, so, what do we want to eat, what do you, what bartender," it's, "I don't know, I don't know." I, like, I can't, I'm not marrying myself, I can't plan a wedding all by myself. There's like, no give back to the conversation. And I refuse to make all of the decisions for that by myself. Especially whenever I'm not even the one, like, mainly paying for anything. How do I, like, I don't know how to-

• 43:24Caleb Hammer?

  Sounds like she resents you for not having any money saved for the wedding.

• 43:27Speaker 03

  I resent not having the conversations about what we need to do in order to save what to get where we need to go.

• 43:35Speaker 04

  I mean, that's been hard when we spend it all.

• 43:38Caleb Hammer?

  The conversations, asshole, that's what she's asking for.

• 43:41Speaker 04

  I'm bad at having conversations, I guess.

• 43:43Caleb Hammer?

  Yes, I have learned that in 45 minutes.

• 43:47Speaker 03

  I want to have the conversations, they just

• 43:49Speaker 04

  And we do have those conversations, I just, I'm bad about making, I guess, decisions like that. I really, I don't have an opinion too much. I want the wedding to be-

• 43:59Caleb Hammer?

  You don't have an opinion?

• 44:00Speaker 04

  I do-

• 44:00Caleb Hammer?

  What do you mean? You clearly do. You just won't talk, man. And then, and then you accept it as the W, and then she's just sitting there in silence, never having any knowledge of what's happening.

• 44:10Speaker 04

  I want her, the wedding to be the way she wants it.

• 44:12Caleb Hammer?

  It will be, getting [BLEEP] by Brandon.

• 44:16Speaker 04

  That I have to-

• 44:16Speaker 03

  I'm not marrying myself. I can't make all the decisions.

• 44:19Caleb Hammer?

  I agree.

• 44:20Speaker 03

  Yeah, he gives no input.

• 44:22Caleb Hammer?

  So why marry him if he can't have these conversations? Because one of the leading causes of divorce in this country is financial problems. Why are we getting into this, guys? When we both agree, though on different spectrums, that this is not working. I'm not saying you guys don't love each other. I'm not saying that I want you guys to break up. But getting into marriage? When we literally cannot have these conversations, like physically, impossible. It makes no [BLEEP] sense, and this is a couple of months away.

• 44:51Speaker 04

  And that's why we want to start learning and-

• 44:54Caleb Hammer?

  To be clear, she does resent you for not saving up money for the wedding. And not having those conversations that she wants to have. She might not say it, but she does. And you told Lindsay that you resent her for being, growing up, spoiled.

• 45:07Caleb Hammer?

  There's resentment on both sides, there's incapable of communicating, letting things fester. This is gonna boil up into a big explosion someday.

• 45:16Speaker 04

  I don't want it to.

• 45:17Caleb Hammer?

  Oh, very good, you don't want it to, yet you do nothing. What the, what kind of response is that, asshole? What, what am I supposed, think, think for a moment. I just heard you say, "Well, I don't want it to." What do I do with that? What do you want me to do with that information? I give you this big thing of what is happening, "Well, I don't want it to." What do you expect from me? What am I supposed to do with that? Put yourself on the side of the table for a second. What do you expect?

• 45:43Speaker 04

  I haven't learned to have those financial conversations. We both grew up-

• 45:47Caleb Hammer?

  Learned to?

• 45:49Speaker 04

  Yeah, I grew up in a family that don't talk-

• 45:51Caleb Hammer?

  Why don't you Google, "How do I have this conversation?"

• 45:54Caleb Hammer?

  Why don't you read a book?

• 45:55Speaker 04

  I don't read. I don't do reading.

• 45:58Caleb Hammer?

  And I never fucking learned how to read. Well, yes, that is clear. Why don't you audiobook?

• 46:04Speaker 04

  Books are boring.

• 46:05Caleb Hammer?

  So you're not willing to learn anything ever?

• 46:07Speaker 04

  That is not true. I-

• 46:08Caleb Hammer?

  Why not look it up? A YouTube video about marriage and finances, relationships and conversations? Why not advocate for couples therapy? There are so many things to do. You in 2026 no longer get the excuse of, I never learned. You have access to everything. GPT, Grok, perplexity, Gemini, all of them.

• 46:31Caleb Hammer?

  Anything and everything you need, right there. Claude-

• 46:35Speaker 04

  I don't-

• 46:35Caleb Hammer?

  Talking to someone at work.

• 46:38Speaker 04

  I talk to people at work all day long.

• 46:39Caleb Hammer?

  And?

• 46:40Speaker 04

  I love talking to customers. I could talk to them all day long and sell jobs.

• 46:43Caleb Hammer?

  Obviously not what I meant. You asking a coworker that you're close to, you know, this is going on. What do you think?

• 46:49Speaker 04

  Uh- All of his coworkers are his brothers? Yeah, my brothers are the ones who work for me.

• 46:53Caleb Hammer?

  Oh, both of you are and bitches and just pussies in this relationship. That might be the way you guys make it to the end of life together because neither of you have any balls. You'll just be miserable and never financially successful as a couple. You'll be failures and losers for the rest of your lives because no one is willing to stand up.

• 47:15Speaker 04

  That's not true.

• 47:16Caleb Hammer?

  And have a conversation.

• 47:17Speaker 04

  Working hard to have a good career.

• 47:18Caleb Hammer?

  That doesn't matter if it all goes out the door and we're not able to communicate to prevent that. Dude, I've seen the highest income earners on this show have worse finances than the poorest.

• 47:29Caleb Hammer?

  And don't forget, I want you to be on the next episode of Financial-

• 47:33Speaker 00

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

• 48:02Caleb Hammer?

  So go to Calebhammer.com/apply or click that link in the description below. You'll have a great time and I'm gonna roast the fuck out of you. That's kind of fucking stupid, I'll be honest, but what's not is actually getting a checking account that gives you free money. Free money, we like free money. You can get up to $200 in bonus cash right now when you sign up for the checking account that I use. Chime. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Audit and get free money at the same time. Who would have thought? That's incredible. Check it out. Link in the description below. Doesn't matter how much comes in. When you can't deal with this, y'all are gonna be miserable. Then you're thinking of bringing a kid into the picture?

• 48:44Caleb Hammer?

  No, you guys disagree on that. I haven't heard that disagreement, but I know she wants to get bread to death.

• 48:48Speaker 04

  I'm not ready to have a kid yet.

• 48:49Caleb Hammer?

  Well, I know. You can barely even stick it in when you're stressed by installing pipes.

• 48:54Speaker 04

  HVAC units.

• 48:55Speaker 03

  We lack communication skills between us severely.

• 48:59Caleb Hammer?

  Oh, yeah?

• 49:00Speaker 03

  He, every time-

• 49:01Caleb Hammer?

  Oh, that's groundbreaking information.

• 49:03Speaker 03

  Every time we try to have a conversation, he, I'll get emotional, I'll start to cry, and then he'll just immediately leave the conversation. And like, nothing ever gets resolved.

• 49:13Speaker 04

  I do bad with emotions. I don't, I, my dad always taught me never to bring emotions into arguments because then it throws out the facts.

• 49:21Caleb Hammer?

  Potentially, yes, into arguments, but does immediately just walking away and never resolving it afterwards fix it either?

• 49:27Speaker 04

  No.

• 49:29Speaker 03

  The anger just festers and then nothing ever gets resolved. It's like, I want to have the conversations. He just thinks that he can't have them with me because I'll cry.

• 49:38Caleb Hammer?

  Okay, example. Try to have the conversation now.

• 49:40Speaker 03

  I want to know more about the finances and I want to be a part of things, so therefore I know where I can help.

• 49:47Speaker 04

  Well, I pay rent $1,100 and that comes out the first week of the month. And then the next week after that, I pay all the utilities, which is about $500, $600-ish.

• 50:01Speaker 04

  And then the week after that is car insurance, which is about $400 something, and then car payment the week after that, which is $500 something. And that's just kind of how I do it in my head.

• 50:13Speaker 04

  I don't, there's not much to talk about when that's all it is.

• 50:16Caleb Hammer?

  Oh, don't talk to me. You guys are having the conversation.

• 50:20Speaker 04

  I mean, where you-

• 50:20Caleb Hammer?

  Response.

• 50:23Speaker 03

  Is, hold on.

• 50:28Caleb Hammer?

  Okay, I'll jump in. The fact is, that example relationship is exactly how you guys described it before. She said, "I want to be involved in the finances."

• 50:39Speaker 03

  Like, I don't-

• 50:40Caleb Hammer?

  And then you just went down the list of what you pay. How is that-

• 50:44Speaker 04

  That's her knowing.

• 50:45Caleb Hammer?

  How is that responding to her- That is her knowing? No, she wants to look at the budget, the income, the expenditures.

• 50:50Speaker 04

  I don't have a budget. I literally do it in my head, just like that.

• 50:52Caleb Hammer?

  Yes, if you guys sit down and build it out together. The answer to her question and worry is not you just saying, "Well, I pay rent and I pay utilities." What? How is that the answer? Yeah, I've shut down too. How do you respond to that? That's a horrendous answer. That's one of the worst answers I've heard in this show.

• 51:10Speaker 04

  This-

• 51:11Caleb Hammer?

  Did your dad also teach you how to [bleep] with your responses?

• 51:14Speaker 04

  Yes.

• 51:18Caleb Hammer?

  Guys, what do we think the financial score in this house is? Zero to 10, zero being the absolute worst, 10 being the best?

• 51:22Speaker 04

  One.

• 51:23Caleb Hammer?

  One?

• 51:24Speaker 04

  I think I took the score and I was one.

• 51:27Caleb Hammer?

  Well, you can take that score at CalebHammer.com. See where you stand in the world of finances. Get your Hammer Financial Score for free at CalebHammer.com. It's pretty awesome. Thousands of you take it literally daily. It's kind of awesome. And also, tens of thousands of you have downloaded and are members of the DollarWise Budgeting App if you don't want to be like the guest who ends up on this show. So make sure you download that, test it out, see if you like it. And when you do, like most people do, you should sign up for the annual version because it saves you 50%. And you get my signed 30-day budget meal plan right here. This one I already signed. This one's for you guys. It is detailed, your 30-day meal plan, drinks, snacks, food, all the goodies, right in here. It's awesome. I'll mail that to you after I sign it.

• 52:10Caleb Hammer?

  Then you no longer have an excuse for not being able to meal plan, budget your meals, everything like that. Even count calories, okay? So that's it. Let's get into these cards. What's happening here? Okay, very good. Why the [bleep] are we behind on making the Capital One Quicksilver Payment?

• 52:27Speaker 04

  That would be her account.

• 52:29Caleb Hammer?

  What is wrong with you, woman?

• 52:30Speaker 03

  I thought I would pay it off and use it for groceries and that-

• 52:34Caleb Hammer?

  You thought you would?

• 52:34Speaker 03

  Yeah. That didn't-

• 52:37Caleb Hammer?

  Why didn't it? Self-reflect!

• 52:42Speaker 03

  It's, I would use the money and then uh, something else would come up and then I would never like, go back to paying it off. Uh, it was just like-

• 52:50Caleb Hammer?

  Why? I'm trying to get self-reflection!

• 52:56Speaker 03

  In my brain, if I pay it off, like I make like, two, three hundred dollars, four hundred dollars a week, paying it off would take my entire paycheck and then I wouldn't have money for like, anything else.

• 53:07Speaker 04

  They have monthly payment plans.

• 53:08Caleb Hammer?

  Why not make the minimum of sixty-five dollars?

• 53:14Speaker 03

  It's supposed to come out, it just, it comes out at the wrong times and then I'm like-

• 53:18Caleb Hammer?

  No, no, the auto, the auto pay does not come out after the payment is due.

• 53:23Speaker 03

  No.

• 53:25Speaker 03

  It comes out, yes. I just, I never have money in my account whenever it needs-

• 53:29Caleb Hammer?

  That's it, that, it bounces, it, it gets sent back. Yes, this takes two years to pay off. The limit is three hundred dollars, but you owe four hundred thirty-three, four hundred twenty-two dollars and sixty-two cents. But you owe three hundred, what the are you doing?

• 53:45Speaker 03

  Yeah.

• 53:46Caleb Hammer?

  The fact that there's even transactions blows my mind, I don't know how that even happened. No, that must have been, no, no, that was a return payment, must have been. And then a late fee on top of that.

• 53:55Speaker 03

  Yeah.

• 53:56Caleb Hammer?

  Yeah.

• 53:57Speaker 04

  Yeah, that was the card I was talking about that we got in-

• 54:00Caleb Hammer?

  Pass through forty, return ACH card payment, sixty-five. Why don't you have money in your checking account? Huh?

• 54:06Speaker 03

  I, my entire paycheck pretty much goes to groceries and then I don't really have money, groceries and gas, that's essentially-

• 54:13Caleb Hammer?

  That doesn't make sense. With the amount of money you said you make, which I'm not writing down because you're saying you're quitting by the end and next, by the beginning of next week anyway, so I'm not even taking into account for the household, but even still, groceries and gas, unless you're just literally filling up like ten Ford F-150s and feeding a house of ten, does not equate to bringing those paychecks to zero every week.

• 54:34Speaker 04

  Amazon.

• 54:34Speaker 03

  It brings, not necessarily Amazon. I buy, I go to the gas-

• 54:38Caleb Hammer?

  Show me your Amazon.

• 54:41Caleb Hammer?

  What are you getting at the gas station?

• 54:43Speaker 03

  Red Bull.

• 54:44Caleb Hammer?

  Why?

• 54:44Speaker 03

  And snacks.

• 54:45Caleb Hammer?

  Why even the one-off? Listen, I, obviously I advocate for gamer subs because it's much more, much more makes sense financially. It's very good, it's wonderful. And here's the pack version, it is forty cents a serving, let me make sure, this one's the hydration caffeine.

• 55:01Caleb Hammer?

  Okay, this one's the energy drink. Here you go. Forty cents a serving using my discount code Caleb at GamerSubs.GG or just use my link. You get the free sample, see what flavor you like, and then get it, make your energy drinks at home like you make your coffee at home. It tastes better, like legitimately, and, cause Red Bull's shit, anyway, I mean, these are really good, and... What? Red Bull is not good.

• 55:23Speaker 04

  Red Bull is amazing.

• 55:24Caleb Hammer?

  Dude, Red Bull's not very good.

• 55:26Speaker 04

  This is good, this is good, right?

• 55:28Speaker 00

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

• 55:57Speaker 04

  Pretty good. But this ain't up there with my favorite Red Bull flavor. Now, that one is actually is up there with my favorite one, but...

• 56:04Caleb Hammer?

  Okay. Well, it must be more of a strawberry guy than Peach.

• 56:07Speaker 04

  Yeah, but I still think Red Bull is...

• 56:09Caleb Hammer?

  Red Bull?

• 56:10Speaker 04

  Yes.

• 56:11Caleb Hammer?

  Bro, when we did the blind taste test, Red Bull was barely, it wasn't even close to the top.

• 56:14Speaker 04

  Which Red Bull were y'all trying? Just the regular? Just the original?

• 56:17Caleb Hammer?

  Yes, Red Bull.

• 56:18Speaker 04

  Okay, see, the original isn't that great.

• 56:20Caleb Hammer?

  So use that, type in code Caleb, use, this is your forty cents a serving, you're making it at home, you're not stopping at the gas station. But even if you do have to do Red Bull, which I really don't understand why, if I am in bulk instead of single, you're retarded.

• 56:30Speaker 03

  I've started doing that.

• 56:31Caleb Hammer?

  Give me Amazon.

• 56:32Speaker 03

  Um, the last couple purchases, only one of these was me, the rest of them were him and his brother.

• 56:37Caleb Hammer?

  What was you?

• 56:38Speaker 03

  The... Oops, snap, clicking buttons. Um, the one that was me was...

• 56:44Speaker 04

  We all do share an Amazon account.

• 56:46Caleb Hammer?

  You're talking around your mic. Okay, why are you doing nail shit? Your nails aren't even paint and they're cut.

• 56:51Speaker 03

  Yeah.

• 56:52Caleb Hammer?

  So what the fuck are you even doing?

• 56:54Speaker 03

  I've been like slowly teaching myself how to do the...

• 56:57Caleb Hammer?

  So how are you saying it's all Amazon? That drains her account.

• 56:59Speaker 04

  Amazon and random other bullshit that she spends on.

• 57:02Speaker 03

  And then, yeah, all of the other stuff was...

• 57:04Caleb Hammer?

  What games?

• 57:05Speaker 03

  His Christmas and...

• 57:06Caleb Hammer?

  Did you buy any games?

• 57:08Speaker 04

  She spends a lot of money on her phone games or...

• 57:10Caleb Hammer?

  Phone games?

• 57:12Speaker 03

  Sometimes I stuck really bad in my game and...

• 57:14Caleb Hammer?

  Huh?

• 57:15Speaker 03

  Yeah.

• 57:15Speaker 04

  She pays her way through games.

• 57:17Caleb Hammer?

  No, why?

• 57:18Speaker 03

  Cause I just get stuck on a level. I'm really bad about that. If I get stuck on a level...

• 57:22Caleb Hammer?

  What game? Oh.

• 57:25Speaker 04

  She has like three or four games she spends.

• 57:27Caleb Hammer?

  What, you spent a thousand dollars in two weeks on Sims?

• 57:30Speaker 03

  I did do that.

• 57:30Caleb Hammer?

  Hold on, what's even purchasable in Sims anymore besides the DLC? But you do that once and it's done. Well, it's not a thousand.

• 57:37Speaker 03

  And multiple packs.

• 57:38Speaker 04

  She gets all the different types of packs there.

• 57:40Speaker 03

  I like rage bought pretty much almost.

• 57:42Caleb Hammer?

  Rage bought?

• 57:43Speaker 03

  I was.

• 57:44Caleb Hammer?

  What do you rage?

• 57:45Speaker 03

  He made me mad and so then I was like.

• 57:46Caleb Hammer?

  What, what?

• 57:47Speaker 03

  I don't even remember what it was about.

• 57:50Caleb Hammer?

  Try.

• 57:51Speaker 03

  Probably something with his game and.

• 57:53Caleb Hammer?

  What? What about his game would make you angry for you to go spend a thousand dollars on Sims?

• 57:58Speaker 04

  Ten dollars on a, the, my game for skin or something, that's it. And then.

• 58:04Caleb Hammer?

  You got upset at him spending money on a game, so you spent a thousand on Sims?

• 58:08Speaker 03

  I don't think that's what it was. There was, it had to be, like, there was more to it. We were arguing about something.

• 58:15Speaker 04

  Asking for something and I said no to that.

• 58:17Speaker 03

  And I was.

• 58:17Speaker 04

  Bought the ten dollars in the game. And she was upset.

• 58:21Caleb Hammer?

  And then what are these mobile games that you're just buying and bullshit?

• 58:25Speaker 03

  Buying coins to pay my way through.

• 58:28Caleb Hammer?

  Gems and coins and all my, it's so stupid.

• 58:31Speaker 04

  Monopoly.

• 58:32Caleb Hammer?

  No, you are not.

• 58:34Speaker 03

  Candy Crush isn't even like downloaded, downloaded, I haven't played that in a while. Color Block Jam, Monopoly Go and Fallout Shelter.

• 58:41Caleb Hammer?

  Oh, sake. Oh my goodness, the chuckle those things have.

• 58:47Speaker 03

  It's so bad.

• 58:49Caleb Hammer?

  Yeah, that you are doing, stop.

• 58:52Speaker 03

  I think what also makes that worse is.

• 58:54Caleb Hammer?

  Take accountability for anything. You've had two late fees this year on this card, which by the way, was only two months of statements. So every month this year so far, you are late on.

• 59:05Speaker 03

  That's been late for a while.

• 59:11Caleb Hammer?

  And you want to bring a kid into this?

• 59:13Speaker 03

  Not now.

• 59:14Caleb Hammer?

  Really?

• 59:15Speaker 03

  I want to wait till we're after, like, I want to get married first and then kid.

• 59:19Caleb Hammer?

  Great, okay, so a kid in a couple of months. Shut the fuck up. Okay, answer me this. You know, I love to ask it. Okay, I know your sex lives are rough right now, but when they're not, he sticks it in, right?

• 59:29Speaker 03

  Yes.

• 59:29Caleb Hammer?

  Does he stick it in without a condom?

• 59:31Speaker 03

  I'm on birth control.

• 59:32Caleb Hammer?

  Thank goodness, what kind?

• 59:33Speaker 03

  The thingy in my arm.

• 59:35Caleb Hammer?

  Good, that's the best kind, well done. That's the first time I can clap for protection on this show.

• 59:41Speaker 04

  Uh, that is one thing I am big on is protection in some type of way, either it be a condom or.

• 59:46Speaker 03

  We have never used a condom a day in our relationship.

• 59:49Speaker 04

  Her arm, yeah.

• 59:49Caleb Hammer?

  Well, you don't need to when that's there.

• 59:51Speaker 03

  Yeah.

• 59:51Caleb Hammer?

  Well done.

• 59:53Speaker 03

  Twinkie for life.

• 59:53Caleb Hammer?

  Might be why you're [bleep] but.

• 59:55Speaker 03

  Potentially.

• 59:56Caleb Hammer?

  I don't know.

• 59:56Speaker 04

  It's actually expired.

• 59:58Speaker 03

  It is expired. I need to go to the doctor.

• 1:00:01Speaker 04

  But in other countries, it's lasted up to five years.

• 1:00:04Speaker 03

  In other, yeah, in other countries.

• 1:00:05Caleb Hammer?

  I take back my applause. How does this happen in every financial audit episode? That's why the, every intelligent person in this country is no longer having children, children when they need to be the ones having children and it is literally the white trash or ghetto or [bleep] or poor mother [bleep] that are breeding.

• 1:00:23Speaker 04

  It's $1,000.

• 1:00:24Caleb Hammer?

  And you guys will be breeding. I don't care. You're busting raw loads in her on expired birth control.

• 1:00:31Speaker 04

  It's been working still.

• 1:00:32Caleb Hammer?

  Still, or you just haven't hit that window.

• 1:00:34Speaker 04

  And so it's FDA approved in America for three years, but other countries, it's FDA approved for five years.

• 1:00:39Caleb Hammer?

  Yes, it might mean the 99% protection might be 95 now. You want that risk?

• 1:00:44Speaker 04

  That's still better than.

• 1:00:44Caleb Hammer?

  It is better, but you want that [bleep] risk? You want to bring a kid into this when she can't stop buying gems? You can't even have a [bleep] conversation? You think you'll ever talk to your kid? Your kid will have a [bleep] issue and you, you, you, you'll never be disciplined? He'll never be disciplined?

• 1:00:57Speaker 04

  Oh, yes, he will.

• 1:00:58Caleb Hammer?

  No, he won't. You can't stand up for yourself whatsoever.

• 1:01:00Speaker 04

  I don't do.

• 1:01:00Caleb Hammer?

  You can't do anything. Yes, you will. Yes, you will. You do here. What are you talking about? That's literally all you do. You're [bleep] life. That's why the first thing you said when you walked into this building, for some reason, which blows my mind and has never happened before, some, please make sure nobody [bleep] my girlfriend.

• 1:01:20Speaker 04

  No.

• 1:01:20Caleb Hammer?

  Why that would happen, I don't know. But even still, I don't think it was on anyone's mind until you said it.

• 1:01:26Speaker 04

  No, no, I told Brandon to watch himself.

• 1:01:28Caleb Hammer?

  And now, right afterwards, green room, choo choo!

• 1:01:34Caleb Hammer?

  And you're not invited.

• 1:01:36Speaker 04

  You wish.

• 1:01:39Speaker 03

  Oh, God.

• 1:01:40Caleb Hammer?

  Oh, like she'd turn down anyone here. Listen.

• 1:01:43Speaker 03

  I am happily in a relationship.

• 1:01:45Caleb Hammer?

  I'm sure you are and they always are.

• 1:01:47Speaker 03

  God dang, I need to go to the restroom.

• 1:01:49Caleb Hammer?

  Pregnant [bleep] to pee a lot.

• 1:01:51Speaker 04

  Hey, chill out, chill out.

• 1:01:52Speaker 03

  You are so funny.

• 1:01:54Speaker 04

  She actually, we did actually have a scare a few months ago.

• 1:01:57Caleb Hammer?

  Yeah, shocker to nobody. Okay, I'm gonna stretch my legs too then, cuz I don't need to have a private conversation with you.

• 1:02:04Speaker 03

  Y'all have really nice toilet paper. Y'all got the expensive toilet paper.

• 1:02:07Speaker 06

  With this, I gotta keep it like, close here, or Matt's.

• 1:02:10Caleb Hammer?

  We are filming.

• 1:02:12Caleb Hammer?

  We are live.

• 1:02:13Speaker 06

  Oh, yeah.

• 1:02:14Caleb Hammer?

  That was in the video. Shout out to Mark.

• 1:02:18Speaker 04

  Thanks, Mark.

• 1:02:18Caleb Hammer?

  Okay.

• 1:02:19Speaker 03

  Thank you, Mark.

• 1:02:20Caleb Hammer?

  But let's talk about the quicksilver. Second quicksilver. There's two quicksovers? Supposed to be your quicksilver, or do you have two?

• 1:02:26Speaker 03

  He has one, I have one.

• 1:02:27Caleb Hammer?

  Okay.

• 1:02:28Speaker 04

  The capital one, yes.

• 1:02:30Caleb Hammer?

  Yes, the quicksilver. Drake?

• 1:02:33Speaker 04

  I, uh, I brought some packs if you wanna rip some magic packs with me.

• 1:02:37Caleb Hammer?

  Oh, thank you.

• 1:02:40Caleb Hammer?

  Someone else already did that? I don't give a.

• 1:02:43Speaker 04

  It's not Pokemon. Pokemon's for children. It's Magic the Gathering.

• 1:02:49Caleb Hammer?

  I've, I've, I've, I've, I'm further from that than I've even been to Pokemon, and I'm not even close to Pokemon. How much are you spending on Magic the Gathering? The guy that got angry at his fiancee for spending too much money. I mean, he spent $250 on this card, which was his crowing! So how much are you spending on Magic the Gathering? Rip a pack! Rip a pack, asshole! Rip a pack!

• 1:03:10Speaker 04

  Alright.

• 1:03:13Caleb Hammer?

  How much are you spending on this? Was the question that I asked that you will answer now.

• 1:03:18Speaker 04

  It depends, I mean.

• 1:03:20Caleb Hammer?

  Oh my goodness, can you try to answer?

• 1:03:22Speaker 04

  200 a month?

• 1:03:23Caleb Hammer?

  Pause. This guy, have you ever seen him have a conversation with someone before? Can he do it? Is he able to hold a conversation with a human being?

• 1:03:33Speaker 03

  Yeah.

• 1:03:34Caleb Hammer?

  I don't know, man. I really don't think so. Rip. 200 bucks a month? You're bitching and moaning over here?

• 1:03:41Speaker 04

  That's not bad.

• 1:03:42Caleb Hammer?

  200, that's a, it could be a low car payment.

• 1:03:45Speaker 04

  I guess. My car payment's like 500.

• 1:03:47Caleb Hammer?

  Well, yeah, you have a normal car payment.

• 1:03:49Speaker 04

  Hey, I got some good stuff in this, actually.

• 1:03:54Caleb Hammer?

  Wow, somehow you made it even less interesting than the previous card rip that someone did on the show. Good [__] man.

• 1:04:00Speaker 04

  See that? That's worth some money right there.

• 1:04:02Caleb Hammer?

  Okay, I got a Teenage Mutant Ninja Turtle.

• 1:04:05Speaker 04

  Yeah, it's from the new, uh, the new set that just dropped, the Teenage Mutant Ninja Turtle set. So, childhood memories, I had to get the pack, you know? And then, I may or may not have bought the Commander set.

• 1:04:17Speaker 03

  Yeah.

• 1:04:17Speaker 04

  As well.

• 1:04:18Caleb Hammer?

  Oh, did you or did you not?

• 1:04:20Speaker 03

  He didn't.

• 1:04:20Caleb Hammer?

  Okay.

• 1:04:21Speaker 03

  On the way here.

• 1:04:22Caleb Hammer?

  What the [__] are you spending on a card that you cannot pay? Oh, Animal Center. Animal Cancer Center.

• 1:04:27Speaker 04

  Yes.

• 1:04:28Speaker 03

  Our dog had double ball cancer.

• 1:04:30Caleb Hammer?

  Had?

• 1:04:31Speaker 03

  Yes, he's doing great now.

• 1:04:32Caleb Hammer?

  Oh, he's alive, very good, okay.

• 1:04:34Speaker 04

  Yes.

• 1:04:34Speaker 03

  We're good, he's doing great.

• 1:04:35Caleb Hammer?

  So we just chopped off the balls.

• 1:04:36Speaker 04

  Pretty much.

• 1:04:38Caleb Hammer?

  That's good. Why do you not have pet insurance?

• 1:04:41Speaker 03

  He's older and it was a pre-existing condition.

• 1:04:43Caleb Hammer?

  You're convinced that your friend caused the cancer?

• 1:04:45Speaker 04

  That's what she thinks. She's dumb.

• 1:04:47Speaker 03

  I am mildly convinced of this, because he would flick him in the balls. And then, a couple months after that, we noticed that one ball just started to look a little different. And, couple months later, come to find out that he had a tumor on his ball sack. So, I mildly convinced.

• 1:05:05Caleb Hammer?

  Dude, I think you guys are just a little [__], because here's the thing.

• 1:05:07Speaker 03

  Potentially.

• 1:05:07Caleb Hammer?

  Even just how your relationship started. Even just how your relationship started. You were dating up, you were dating with someone, you broke up with your friend because of Drake, actually. You broke up with your friend because of Drake.

• 1:05:19Speaker 04

  No.

• 1:05:20Speaker 03

  Not necessarily of him.

• 1:05:21Caleb Hammer?

  Yes, your friend.

• 1:05:22Speaker 03

  It was...

• 1:05:22Caleb Hammer?

  And her, you and your friend had a huge falling out because of your relationship with Drake.

• 1:05:26Speaker 03

  It wasn't necessarily, like, our relationship was a part of it, but she was... Yeah, she, her cousin was dating his younger brother, and then they broke up.

• 1:05:37Caleb Hammer?

  I don't think that's the issue, though. I think the issue is that your friend thought Drake was toxic and controlling. Like, I'm glad you're bringing up that other thing, but...

• 1:05:45Speaker 03

  I don't see how he is.

• 1:05:47Caleb Hammer?

  Sure, but your friend did, and that was the fight. So it doesn't matter about the cousin thing, I don't care about that.

• 1:05:53Speaker 04

  Her dad, her dad, her friend's dad was also a [__], so...

• 1:05:56Caleb Hammer?

  Very good, why are you, oh my gosh, you guys seriously suck at this so much. I don't know how, I do not know how you are bad at this. The conversation that happened, the big fight you had with your friend, was on how he was to- toxic. And then you guys like, you hear that and you're like, well, his dad was also a piece of shit. Well, also, he dated a co- I don't care. I'm focusing on the thing I am talking about. Your friend stood up to you because of him. And you guys had a falling out because of that.

• 1:06:28Speaker 04

  And other stuff. Not just me.

• 1:06:32Caleb Hammer?

  Someone else want to finish this conversation? They can't do this. Oh, they can't. Oh, they are so bad at this. Oh. Sake.

• 1:06:41Speaker 04

  That's bad.

• 1:06:44Caleb Hammer?

  Is anyone gonna tell me about that conversation? Or do we just want to talk about something else?

• 1:06:47Speaker 04

  I don't know really how the conversation went. That was between her and her friend.

• 1:06:49Speaker 03

  Like-

• 1:06:50Caleb Hammer?

  I don't know. You just keep saying yes instead of answering.

• 1:06:52Speaker 03

  We, there was, she said that he was manipulative and toxic and I-

• 1:06:57Caleb Hammer?

  Very good. You're doing it now.

• 1:06:58Speaker 03

  How, why do you say that? And from her perspective, she says that he controls everything that I do and I don't see that.

• 1:07:05Caleb Hammer?

  Oh, this is very good. I'm surprised I had to take five minutes to try to get that from you. Is that not worth something? The fact that you had to break up with your friend because they had a perspective that the guy you're with was maybe not good for you.

• 1:07:16Speaker 03

  I don't trust her judgment.

• 1:07:18Caleb Hammer?

  Why?

• 1:07:18Speaker 03

  She's in the same relationship with the dude that's done the same exact shit to her.

• 1:07:23Caleb Hammer?

  Maybe that's why she can see it?

• 1:07:24Speaker 03

  But if she can see it, then why is she still with that guy?

• 1:07:26Caleb Hammer?

  Is she still today?

• 1:07:27Speaker 03

  Yes. They actually just got an apartment together.

• 1:07:30Caleb Hammer?

  Better than you guys. You guys moved in immediately when you never even lived on your own. You know nothing but codependence.

• 1:07:37Speaker 03

  I, yeah.

• 1:07:38Caleb Hammer?

  Which is a quick and easy situation to fall into something that is manipulative. It's a rough saying of that word. And controlling.

• 1:07:46Speaker 03

  My perspective and the previous years, like, so far in our relationship, I don't see it as, like, I don't feel like there's manipulation or, like, I don't- I understand where she was coming from, but at the same time, I don't.

• 1:07:59Speaker 04

  It's because I wanted her to get a job. That's probably what it was. That's the only thing.

• 1:08:04Caleb Hammer?

  Probably what it is?

• 1:08:05Speaker 04

  That's the only thi- I really don't care what she does. I... She can do whatever she wants. I'm not really controlling, as long as, you know, I need help with rent, sometimes.

• 1:08:15Speaker 03

  Hmm, no, whenever I go down to the Houston area...

• 1:08:18Caleb Hammer?

  No one has ever sent something as bad as, "What the [__] is this, guys?"

• 1:08:21Speaker 03

  What is that?

• 1:08:22Caleb Hammer?

  It's like, I'd never had glasses or something. What am I looking at?

• 1:08:26Speaker 04

  That's, I guess, the screenshots from our... Yeah, our screen recording of our credit karma.

• 1:08:33Speaker 03

  There was something that wasn't able to be sent over.

• 1:08:36Speaker 04

  I made it into a PDF, and I could see it on my end just fine.

• 1:08:38Caleb Hammer?

  You look like a PDF. Four hundred...

• 1:08:40Speaker 04

  What is that even supposed to mean?

• 1:08:45Caleb Hammer?

  Four hundred and thirteen dollars. Needs attention. National Credit Systems. Collections?

• 1:08:50Speaker 03

  Yes.

• 1:08:51Caleb Hammer?

  For who?

• 1:08:52Speaker 03

  That one's on both of ours.

• 1:08:54Speaker 04

  That's for the apartment.

• 1:08:54Caleb Hammer?

  You both allow... Why'd you allow an apartment to go to collections?

• 1:08:58Speaker 04

  Because I already paid them their money. I...

• 1:09:00Caleb Hammer?

  Doesn't look like it, I would actually say.

• 1:09:03Speaker 04

  We moved out, and they called me a few weeks later, saying I owed seven hundred dollars in damages, blah blah. And so, and I owned up to it, because I did, we did have puppies at the time, that kind of destroyed. So I brought in seven hundred dollars cash to the apartment complex.

• 1:09:16Caleb Hammer?

  Did they say cash worth?

• 1:09:17Speaker 04

  Yeah. And I gave it to them. I thought all was good, and then a few months later, I got a letter in the mail, saying I still owed four hundred something dollars.

• 1:09:24Caleb Hammer?

  Well, not, why not pay it, so your credit's not [__]? Listen, I don't, I don't like it. I do not like it. I agree, but your credit is not [__], it's, it's [__] credit. Like, I care about that more.

• 1:09:35Speaker 03

  It's on, yeah, it's on both of ours.

• 1:09:36Speaker 04

  I didn't realize it was gonna go to my credit, until I already went to my credit.

• 1:09:39Caleb Hammer?

  Okay, well, why not just still kill it? So as many of you know, I've been a big supporter of Course Careers for a long time. I'm not just a partner, I actually own stock, and I'm an investor. So why did I partner with Course Careers? Because I truly believe in what they're doing. A lot of people have questions about online certifications versus traditional college degrees. Let me be clear, I wouldn't put my name behind something unless I knew it worked. The thing is, not everyone has the time or resources to spend four years in college or take on massive student loan debt. Course Careers offers a practical, affordable way... To launch a career in a high demand field like tech sales, IT, and accounting where companies are hiring based on the skills needed, not broad college degrees. In fact, right now, one in three companies are dropping

• 1:10:24Caleb Hammer?

  degree requirements and that number is only going to continue to grow. I know some people think online programs are a quick fix, but that's not the case here. Course Careers takes effort and commitment, but they provide you with a streamlined, proven path. They offer up-to-date, self-paced courses, one-on-one or group coaching from people that work in the industry, and most importantly, they help you actually get hired. Just look at graduates like Namesso, who went from driving FedEx trucks to a cybersecurity job at Disney. That didn't happen by chance. He put in the work and Course Careers guided him every step of the way. And what truly sets Course Careers apart is that it's not just about learning skills, but landing a job. Their curriculum is designed based on what employers actually need, and their network of industry coaches will guide you through the entire process,

• 1:11:09Caleb Hammer?

  from learning the skills to interviewing, resume help, and beyond. So if you're serious about starting a new career without wasting years or piling up debt, give Course Careers a try. Start with their free intro course linked in the description to explore your options. And when you're ready, use the link in the description for $50 off the full course. Your future starts right now and Course Careers is here to help you shape it. Starbucks is bull and a waste of money, and you already know that by making your coffee at home and investing the rest. So now you need to do that with your energy drink as well. Make Gamer Subs at home for just 40 cents a serving. Honestly, it literally tastes better, and we proved this accidentally via a blind taste test in our Hammer Elite show, Fat and Fatter.

• 1:11:54Speaker 06

  The number one ranked energy drink is Gamer Subs.

• 1:11:58Speaker 05

  Literally, the cherry flavor is insane.

• 1:12:01Caleb Hammer?

  Listen, you can also get free samples to see if you like it, or 10% off your order at gamersubs.gg, or click that link in the description below, type in code CALEB. That's two months of Magic the Gathering on your.

• 1:12:13Speaker 04

  A friend said if I wait long enough, they'll send me a deal for a lot cheaper.

• 1:12:17Caleb Hammer?

  I, no, not necessarily.

• 1:12:20Caleb Hammer?

  Well, actually, no, I wouldn't necessarily say that. Usually it's gonna have to be you reaching out and negotiating. But even so, this is $413. I don't even know how much effort they're gonna work on.

• 1:12:28Speaker 04

  I feel like I shouldn't have to even pay that $413.

• 1:12:31Caleb Hammer?

  Oh, greed, I am on your side. Is that the argument we're having? No, but your credit is...

• 1:12:36Speaker 04

  Yeah, it's been getting...

• 1:12:38Caleb Hammer?

  Uh huh, so on... She's saying she wanted to get a house. You still wanna get a house at some point, marriage, kids, who knows?

• 1:12:44Speaker 04

  We do.

• 1:12:45Caleb Hammer?

  Surely that birth control is not helping right now. The fact is, not with this.

• 1:12:51Speaker 03

  That would look bad.

• 1:12:52Speaker 04

  I mean, that's the smallest one. I'll worry about that one less.

• 1:12:56Caleb Hammer?

  Or it's the easiest to get off. So fix it first, moron. Oh my goodness.

• 1:13:02Speaker 04

  But then I have to have, I don't have $413 just laying around for it.

• 1:13:06Caleb Hammer?

  If you do two months of not doing Magic the Gathering, you actually do.

• 1:13:11Speaker 04

  Uh, but then I'll spend it on something else, cuz I'll...

• 1:13:13Caleb Hammer?

  Okay, don't spend it on, put it in a savings account where it goes to this immediately.

• 1:13:19Speaker 04

  I'll try to do that, maybe.

• 1:13:20Caleb Hammer?

  Well, yeah, let's find out. Uh, National Credit Systems, $1,973. What's this for?

• 1:13:27Speaker 04

  If this is still all of mine, I believe.

• 1:13:30Speaker 03

  That's yours, that's not mine.

• 1:13:31Speaker 04

  Yeah, that's gonna be for my, my appendix surgery.

• 1:13:34Speaker 03

  I think.

• 1:13:34Speaker 04

  Uh, I went into the...

• 1:13:35Caleb Hammer?

  Why didn't you get it on a payment plan?

• 1:13:37Speaker 03

  He didn't have insurance.

• 1:13:38Speaker 04

  I didn't have insurance or anything.

• 1:13:39Caleb Hammer?

  No, why didn't you get on a payment plan for the $1,973?

• 1:13:43Speaker 04

  My family told me not to pay medical bills that'll drop off in a few years.

• 1:13:48Caleb Hammer?

  Okay, you guys just received the worst advice from like everyone. It's just so stupid. That's so stupid, man. Is your family doing well?

• 1:13:56Speaker 04

  Not necessarily.

• 1:13:56Caleb Hammer?

  Why are we listening to them?

• 1:14:00Speaker 04

  Cuz I didn't wanna have to pay that right then and there.

• 1:14:02Caleb Hammer?

  I wouldn't want to pay it either. Do we do what we want always in life? No.

• 1:14:07Speaker 04

  I mean, it could sit there for...

• 1:14:08Caleb Hammer?

  You wanted to blow $120,000 sitting on your fucking ass and smoking weed. Was that good? No. Should we do what we want?

• 1:14:18Caleb Hammer?

  You guys will be losers for the rest of your lives.

• 1:14:21Speaker 04

  Nah, I don't believe that.

• 1:14:22Caleb Hammer?

  I do. Listen to your answers now, well, in lack of, throughout this conversation. You guys cannot do anything in this world. You're incapable. You are basically mentally fifteen, fourteen, thirteen.

• 1:14:37Speaker 04

  I wouldn't say that. I do-

• 1:14:38Caleb Hammer?

  I would say that, actually.

• 1:14:40Speaker 04

  No.

• 1:14:40Caleb Hammer?

  I don't care what you would say.

• 1:14:42Speaker 04

  I feel like-

• 1:14:42Caleb Hammer?

  I really don't. You are not, you are not someone that has any worthy opinion on any of this. Look at where you are now.

• 1:14:49Speaker 04

  I mean, when it comes to finances, sure.

• 1:14:51Caleb Hammer?

  Actually, your opinion is worth a negative. Your opinion is in collections. I don't give a what you think.

• 1:14:56Speaker 04

  When it comes to money, sure. I guess, when it comes to finances.

• 1:14:59Caleb Hammer?

  Believe it or not, when it comes to money and finances, that's what we're talking about.

• 1:15:04Speaker 04

  Yeah, I'm gonna be a loser as far as life. I'll have a nice job. I'll start a company and I'll-

• 1:15:08Caleb Hammer?

  Doesn't matter, and also-

• 1:15:10Speaker 04

  I'll hit you in ten years when I have a nice million dollar company.

• 1:15:12Caleb Hammer?

  Yeah, million dollar company that was able to be accomplished because of a hundred fifty thousand dollar investment.

• 1:15:17Speaker 04

  Nope.

• 1:15:18Caleb Hammer?

  Yes, it was.

• 1:15:20Speaker 04

  Alright, you're talking about the last company.

• 1:15:21Caleb Hammer?

  Yeah, the one that actually hit that number? Yeah.

• 1:15:23Speaker 04

  Yeah, it hit that number because I was there.

• 1:15:25Caleb Hammer?

  Says every former employee.

• 1:15:27Speaker 04

  Okay. I mean, that's why they had it closed down a week after I quit.

• 1:15:30Caleb Hammer?

  Everyone, including myself, thinks we're worth more than we actually are and we actually have less of an impact when we're gone than we think.

• 1:15:38Speaker 04

  I mean, they couldn't, literally couldn't run it without me there.

• 1:15:41Caleb Hammer?

  There was probably more happening. Come on, looks like there was a lot of financial issues with that taking the money from the account.

• 1:15:48Speaker 04

  We found out he was taking money from the company account to go start another company.

• 1:15:52Caleb Hammer?

  Well, there you go. I don't think it was you, guy, that is a former employee who thinks he delivered more value than he actually did, like every former employee in the history of every company in the history of humanity.

• 1:16:03Speaker 04

  I literally scheduled everything, prepared all the customers, did all the work-

• 1:16:07Caleb Hammer?

  Oh, wow, that's hard. Oh, wow, that's difficult.

• 1:16:08Speaker 04

  I did everything for that company.

• 1:16:09Caleb Hammer?

  Uh huh, yeah, that's hiring another HVAC person if it's a real million dollar company. Buddy, you're not that guy. You're fine. You're a good worker.

• 1:16:17Speaker 04

  I am that guy.

• 1:16:18Caleb Hammer?

  No, you're a good worker. That doesn't mean you are the bread and butter and the sauce.

• 1:16:23Speaker 04

  I wouldn't say I'm the best, but I'm, I'm good at what I do.

• 1:16:26Caleb Hammer?

  At HVAC.

• 1:16:27Speaker 04

  And plumbing, and dealing with customers, and scheduling, and-

• 1:16:32Caleb Hammer?

  Okay, those last two things are very easy. AI do them now.

• 1:16:35Speaker 04

  Yeah. Contracts. I love closing the big contracts, you know, and getting-

• 1:16:38Caleb Hammer?

  Closing contracts?

• 1:16:40Speaker 04

  Yeah, you know, like new homes or apartment complexes that they're building up. Like, we do a lot of work out here in Austin. San Antonio.

• 1:16:48Caleb Hammer?

  The business you work for?

• 1:16:50Speaker 04

  Yes, the current business we work for.

• 1:16:53Caleb Hammer?

  Chat. Chat. Save me from this one. Okay, who owes 949 in collections?

• 1:17:01Speaker 04

  I believe that is also mine.

• 1:17:03Caleb Hammer?

  Oh, seems like you're actually the horrible one.

• 1:17:06Speaker 04

  That one is also for the appendix. I think that was the appointments afterwards.

• 1:17:10Caleb Hammer?

  Payment plan.

• 1:17:12Caleb Hammer?

  Okay, Midland Credit Management 2079.

• 1:17:15Speaker 03

  That one's mine.

• 1:17:16Caleb Hammer?

  Very good. We're back to Alexis being bad. What is it?

• 1:17:20Speaker 03

  After the dogfight, I... Both of my hands were covered in like really, really bad scar.

• 1:17:25Caleb Hammer?

  Payment plans, guys.

• 1:17:26Speaker 03

  And I had laser treatment.

• 1:17:28Caleb Hammer?

  Payment plans, man? I'm not saying... Listen, I don't even like our health insurance system. Don't get me wrong. I'm not even defending it, but just... I don't understand why you wanna [bleep] your credit. You just allow it.

• 1:17:40Speaker 04

  I feel like they never gave me the option for payment plans, at least when I went in for the hospital and shit. They were just like, "It's gonna be $2,000 unless you have insurance." And I was like, "I don't got insurance."

• 1:17:49Caleb Hammer?

  Can I get on a payment plan?

• 1:17:51Speaker 03

  I have a question regarding that, because it's through CareCredit.

• 1:17:54Caleb Hammer?

  Well, this, you paid around my credit card, so the credit card went to collection. You're not gonna get on a payment plan for the credit card. You actually already had one. It was called minimum monthly payments. You should've done that. That's [bleep] that you didn't. This one's even worse, cuz you're just a moron.

• 1:18:04Speaker 03

  How do I go about... Like, I'm not able to get into that account to be able to pay anything. Like, how do I...

• 1:18:09Caleb Hammer?

  It's because Midland Credit Management owns this debt now. You have to contact them.

• 1:18:13Speaker 03

  Okay.

• 1:18:17Speaker 03

  I wasn't sure how that worked.

• 1:18:21Speaker 04

  See, I'm not even sure how to pay some of that stuff off.

• 1:18:23Caleb Hammer?

  You guys have never tried to look anything up in your lives.

• 1:18:25Speaker 03

  I've tried to get into the CareCredit account.

• 1:18:27Caleb Hammer?

  You guys have phones? Do you guys have a computer, a tablet? Do you guys have the internet?

• 1:18:31Speaker 04

  Yes.

• 1:18:31Caleb Hammer?

  In San Antonio, I know it's like...

• 1:18:33Speaker 04

  I'm not very tech savvy, though.

• 1:18:35Caleb Hammer?

  Yes, Googling is very tech savvy. I know San Antonio is like 25 years behind every other Texas city, but... You guys can use Google. Yahoo!

• 1:18:48Speaker 04

  Who uses Yahoo anymore?

• 1:18:50Caleb Hammer?

  That was the point and kind of the joke, not very good one that I was making. I'm, who's, why, why, why are we late on our insurance? Some insurance, I don't even know what insurance.

• 1:19:03Speaker 04

  Two months of insurance put together.

• 1:19:04Caleb Hammer?

  Wonderful. Why? And what insurance?

• 1:19:07Speaker 04

  Well, that was, that's our car insurance.

• 1:19:09Caleb Hammer?

  Losers for the rest of your lives and there's gonna be a kid brought into the picture. What happens?

• 1:19:13Speaker 04

  Our dog was going through the surgery and that was all expensive and so I just waited.

• 1:19:19Caleb Hammer?

  Wasn't it put on a credit card?

• 1:19:20Speaker 04

  No.

• 1:19:21Speaker 03

  No.

• 1:19:21Caleb Hammer?

  How much was the surgery?

• 1:19:24Speaker 03

  After everything around 5K.

• 1:19:25Speaker 04

  Between imaging, everything, I couldn't, we couldn't get pet insurance because after he was diagnosed, they won't take him.

• 1:19:31Caleb Hammer?

  Well, yes, that's, I'm advocating for, obviously, yeah, you don't get to. Hey, I need car insurance. I just got in a car crash.

• 1:19:39Speaker 04

  He's also old too. He's older.

• 1:19:41Caleb Hammer?

  Well, that's gonna make it hard, but that's why you should have had it before. I'm sorry, I know that's.

• 1:19:45Speaker 04

  Really wasn't a thing until like, he was already seven or eight.

• 1:19:50Caleb Hammer?

  When was he seven or eight?

• 1:19:51Speaker 04

  Like two, three years ago.

• 1:19:52Caleb Hammer?

  Okay, lies.

• 1:19:53Speaker 04

  I'd never really heard about pet insurance.

• 1:19:55Caleb Hammer?

  You've never heard of anything. Neither of you have ever heard of anything. You can't do anything. I've had pet insurance for almost seven years.

• 1:19:59Speaker 04

  I don't even got insurance on myself.

• 1:20:01Caleb Hammer?

  Well, you're, you're broken, do not have children. And hopefully that allows natural selection to take care of itself. T-Mobile, we're unpaid, 434.

• 1:20:13Speaker 04

  It's the same thing I had.

• 1:20:14Caleb Hammer?

  Hey, do you, do helium mobile, it's the same towers as T-Mobile.

• 1:20:16Speaker 04

  I can't.

• 1:20:17Caleb Hammer?

  Why?

• 1:20:18Speaker 04

  I have everybody on my phone plan, my whole family.

• 1:20:20Caleb Hammer?

  Stop. You are an adult, you are on your own. I don't give a about them. I mean, I do, a little bit.

• 1:20:27Speaker 04

  A lot of them are my little brothers too.

• 1:20:28Caleb Hammer?

  I also do not care. Your parents can be parents.

• 1:20:31Speaker 04

  Well, that is the thing. My dad used to pay for their phone bill and have it on theirs, but then he would forget to pay, so everybody's phone would get shut off.

• 1:20:38Caleb Hammer?

  I don't care. This is not your responsibility. You can't take care of your own bills. You can't take care of your own bills.

• 1:20:46Speaker 04

  I still pay them. They may be late. I never.

• 1:20:47Caleb Hammer?

  No, no, no, no, no.

• 1:20:48Speaker 04

  I never said I was on time.

• 1:20:50Caleb Hammer?

  No, no, no, no, no. You're, you're multiple months behind in a lot of things. Get off.

• 1:20:56Speaker 04

  I'm catching up.

• 1:20:56Caleb Hammer?

  Switch to helium.

• 1:20:57Speaker 04

  Shut the f-

• 1:20:59Caleb Hammer?

  And you use the f***ing mine card, you previously the fizz card. debit card that builds credit. Can't spend more than what's in your checking account. It's all what you people can handle. You can't do anything else. You guys are failures. Failures at conversations, life and finances.

• 1:21:16Speaker 04

  Finances, sure.

• 1:21:18Caleb Hammer?

  Everything else, yes.

• 1:21:18Speaker 04

  I wouldn't say everything else.

• 1:21:19Caleb Hammer?

  Especially conversations.

• 1:21:20Speaker 04

  When it comes to finances, sure.

• 1:21:22Caleb Hammer?

  Buddy, I tried to talk about a lot of different things here. You could not do that.

• 1:21:26Speaker 04

  Revolving around finances?

• 1:21:27Caleb Hammer?

  No revolving around. I was just trying to get an example of a conversation you guys have had and it required Lindsay telling me. You guys can't talk.

• 1:21:36Speaker 04

  We talk all the time.

• 1:21:37Caleb Hammer?

  But you just say nothing.

• 1:21:39Speaker 04

  Yeah.

• 1:21:39Caleb Hammer?

  Listen, go in and say I got a gas bullshit. When is I got bullshit vaping and smoking? So you buy from your own store?

• 1:21:46Speaker 03

  Sometimes.

• 1:21:47Caleb Hammer?

  Loser. Bought from your own store. Loser. Text best. I don't even know what that is.

• 1:21:53Speaker 03

  Gas station.

• 1:21:53Caleb Hammer?

  Okay, well you went and got some bullshit because that ain't gas.

• 1:21:56Speaker 03

  Most likely a ripple.

• 1:21:57Speaker 04

  Was that your cash app or mine?

• 1:21:58Speaker 03

  Uh, that was way too many transactions to be mine.

• 1:22:01Speaker 04

  But that's her with my card of cash, my cash app card.

• 1:22:03Speaker 03

  The gas station ones. That'd be me.

• 1:22:09Caleb Hammer?

  Her, her even having unprotected sex with birth control that is broken when you do not have health insurance for yourself. Like it's so irresponsible. And also why do you not even have health insurance? Get just the critical coverage one that is like the cheapest there is.

• 1:22:25Speaker 04

  Well, because I, I had it.

• 1:22:26Caleb Hammer?

  That'll prevent bankruptcy.

• 1:22:27Speaker 04

  And then my mom took me off of it right before the appendix thing actually. So it kind of sucked.

• 1:22:31Caleb Hammer?

  Doesn't matter. You'd be taken off in a couple of years regardless.

• 1:22:33Speaker 04

  And then I had it again with a different company. Um, and I left that company.

• 1:22:38Caleb Hammer?

  That's wonderful. I asked, why do you not have it now?

• 1:22:40Speaker 04

  I just, because I never set it up. I don't know.

• 1:22:42Caleb Hammer?

  Because you guys are incapable of anything.

• 1:22:46Speaker 04

  Waiting for my employer to be able to offer it. So it's cheaper on me.

• 1:22:49Caleb Hammer?

  Will they?

• 1:22:50Speaker 04

  Eventually.

• 1:22:52Caleb Hammer?

  When?

• 1:22:53Speaker 04

  Right. We just started the service side. So there's only three texts right now. So he's waiting to get a few more texts.

• 1:22:58Caleb Hammer?

  You guys are incapable of everything. Okay, this.

• 1:23:01Speaker 01

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• 1:23:30Caleb Hammer?

  Must be a car $8,547.73. At a 13% interest rate, whose car?

• 1:23:37Speaker 03

  Ours.

• 1:23:38Speaker 04

  That's ours, but she drives it.

• 1:23:39Speaker 03

  Mostly my cars. Honda CR-V 2018. 2018.

• 1:23:43Caleb Hammer?

  13% interest rate, why?

• 1:23:46Speaker 04

  I didn't even know what interest rates were until after.

• 1:23:48Caleb Hammer?

  Cause we don't know anything, cause we can't Google shit, cause you guys are incapable of literally living. I don't know how you made it in here. I've never heard of roads, I've never heard of gas, I've never heard of putting in an address into a GPS system. It's worth, surprisingly, $10,000, so you guys actually have an equity position of about a $1,500.

• 1:24:06Speaker 04

  I wouldn't know about that, it's a little bit.

• 1:24:07Caleb Hammer?

  You wouldn't know about anything, you don't have to say that anymore. I'm assuming that for every topic in the history of everything, okay? You don't have to tell me. You're gonna drop your kid on its head and you're going, "I had no idea that that would be bad." That, I don't understand. I don't understand. I don't understand. Like, what the, you're the guy that roasts a girl, says, "I had no idea, I couldn't do it without fucking asking." It's like, wah, you can't do anything!

• 1:24:33Speaker 04

  I would never do that. And I could do a lot of things.

• 1:24:36Caleb Hammer?

  Would you even know if you did?

• 1:24:37Speaker 04

  Yeah, I think I would know.

• 1:24:39Caleb Hammer?

  I don't think so. I don't think so. I don't even know I had to wear a condom, didn't even know vaginas is where the babies come from, I didn't even know! You don't know anything!

• 1:24:47Speaker 04

  I know a lot, maybe just not when it comes to my finances.

• 1:24:49Caleb Hammer?

  Buddy, you know HVAC and that's it!

• 1:24:52Speaker 04

  And plumbing. And carpentry, and a little bit of electrical, and...

• 1:24:57Speaker 03

  Tradework.

• 1:24:58Speaker 04

  I could build, I could build you a house.

• 1:25:00Caleb Hammer?

  No, I would never trust you to build me a house. That is the last thing I would ever do, allow in my life. $496,091.

• 1:25:07Speaker 04

  Probably nicer than the houses that go up around here.

• 1:25:09Caleb Hammer?

  But not nicer than the houses I own. $496.91 is your minimum monthly payment.

• 1:25:15Speaker 03

  Yes.

• 1:25:19Caleb Hammer?

  Checking account, who has USA?

• 1:25:21Speaker 04

  Me.

• 1:25:22Caleb Hammer?

  Okay, 1,300 in there, not horrendous. 25 Zelda.

• 1:25:28Speaker 04

  That was probably.

• 1:25:28Caleb Hammer?

  Got some bullshit, bullshit, Apple Cash money sent 140.

• 1:25:34Caleb Hammer?

  464, must have been your deposit. When is I got some bullshit, when is I got some bullshit, when is I got some bullshit, when is I got some bullshit? $10 sent out. When is I got some bullshit? $21 went out, Cash App, what are we doing with all this?

• 1:25:48Speaker 04

  Uh, my brothers are like, transfer money to each other if like, we're out of store, or they'll be on job site and they'll be like, can you give me some drinks or food or something? And so.

• 1:25:57Caleb Hammer?

  Oh.

• 1:25:58Speaker 04

  Vice versa.

• 1:25:59Caleb Hammer?

  Pete Terry's Burger Stand, Groupon, $56, when is I got some bullshit? Las Palapas. Zelda, not 80 bucks, San Antonio Zoo, Cash App, Cash App, Cash App, 170 there, Cash App, 150 there! Storage, you paying for storage?

• 1:26:20Speaker 04

  Am I?

• 1:26:21Caleb Hammer?

  Yes.

• 1:26:22Speaker 04

  What, storage?

• 1:26:24Caleb Hammer?

  I postal?

• 1:26:25Speaker 04

  Oh, that's for my, um, that's for my, my company, I guess. I have a DBA and I have to have a, like a mailbox for it.

• 1:26:34Caleb Hammer?

  Why not your house?

• 1:26:36Speaker 04

  Why use my house?

• 1:26:38Caleb Hammer?

  Ah, so you don't pay?

• 1:26:40Speaker 04

  You can't. Um, it's not my house, so I don't know if I can, I rent the house.

• 1:26:45Caleb Hammer?

  I don't know, even just pick a random, I'm like, I don't know. Well, mine was my house forever. Maybe I was doing that illegally.

• 1:26:52Speaker 04

  Did you own it?

• 1:26:55Caleb Hammer?

  Hmm, yes, I did, I don't know, I don't have a place you rent, that's a good question, actually, I don't have the answer. Fair enough. Okay, hey, that's.

• 1:27:02Speaker 04

  Do you know?

• 1:27:03Caleb Hammer?

  Exactly, and guess what I'm gonna do? I'm gonna look it up later, so I do. It's weird how that works. You, when is I got some bullshit, when is I got some bullshit, Cash App out, Cash App out, the clothes spin, Disney Plus, Cash App out, Cash App out.

• 1:27:16Speaker 04

  Clothes bin is not bullshit, that is laundry, because we don't have a washer and dryer in the house.

• 1:27:21Caleb Hammer?

  Can't afford one, but you could rent one.

• 1:27:23Speaker 03

  We could, we just didn't have space.

• 1:27:25Speaker 04

  We don't have a space to put a washer.

• 1:27:26Speaker 03

  We had the ability to buy those.

• 1:27:27Caleb Hammer?

  Okay, calm down. Apple Cash sent out game, Xbox game.

• 1:27:32Caleb Hammer?

  I don't even know. Maybe it's game pass, but it just is.

• 1:27:34Speaker 04

  It's probably the game pass I buy from Marvel.

• 1:27:36Caleb Hammer?

  Prime Video, I post a storage again, so two times in one month.

• 1:27:40Speaker 04

  It only should be once.

• 1:27:41Caleb Hammer?

  Two businesses this time.

• 1:27:42Speaker 04

  No.

• 1:27:42Caleb Hammer?

  Amazon Prime, Apple Bell, Apple Cash Out, Zelle, Netflix, Microsoft, Amazon, Home Depot. I post a storage, Apple Bell, I post a storage.

• 1:27:52Speaker 04

  Why are they charging so much?

• 1:27:53Caleb Hammer?

  Yeah, you're getting this, I post a storage. Dude, it's like, do, do, do, do, do, do, do.

• 1:27:57Speaker 04

  I thought it was only supposed to be, it's supposed to be like a.

• 1:27:59Caleb Hammer?

  Zelle, going, going against the bullshit. Yeah, you don't, yeah, just look at your accounts, asshole. Put it in the dollar, it's automated. It would tell you like, hey, well, this is reoccurring. What the fuck is going on? It would automate it immediately. Biggs 205 going, it's like getting into bullshit, selling out 275. Your checking account started with 38 cents and it was $6. What the fuck is wrong with you?

• 1:28:18Speaker 03

  Money doesn't.

• 1:28:18Caleb Hammer?

  Apple Bell, Apple Bell, going against the bullshit. Maybe don't do that. Little Caesars, maybe don't do that. Apple Bell, maybe don't do that. Little Caesars, going against the bullshit, maybe don't do that. You don't have money. Going against the bullshit, maybe don't do that. You don't have any money. When is that got some bullshit? Maybe don't do that. You don't have any money. Apple Bell, maybe don't do that. You don't have any money. When is that against the bullshit? Maybe don't do that. You don't have any money. Have you ever considered that? That's an interesting solution. Phone, give now.

• 1:28:49Speaker 04

  Oh no. If you're looking for all the subscriptions, it's probably going to be on my phone.

• 1:28:54Caleb Hammer?

  Give.

• 1:28:58Caleb Hammer?

  Okay, Crunchyroll, Apple One, and not Hammer Lee, you got just.

• 1:29:03Speaker 03

  His brother pays for the hammer.

• 1:29:04Caleb Hammer?

  Which doesn't really make sense. Yeah, Hammer Lee Tour, the good one is three premium shows posted every single day. Monday, Tuesday, Wednesday, Thursday, Friday, Saturday.

• 1:29:10Speaker 04

  I don't pay for it, my.

• 1:29:10Caleb Hammer?

  I know, but the value for the money, it's the best there is. That's why it's number one. She's paying for Gmail and iCloud and Canva. Why the fuck are you paying for Canva selling vapes?

• 1:29:20Speaker 03

  All of the wedding stuff, I've been doing it, like.

• 1:29:22Caleb Hammer?

  Yeah, we can really afford a wedding, $10 in savings, $0 in this one.

• 1:29:27Speaker 03

  Yeah.

• 1:29:29Speaker 04

  Think I only keep $10 in there.

• 1:29:31Caleb Hammer?

  You owe money to Cash App. Your accounts, I got a $2.41.

• 1:29:34Speaker 03

  Yes.

• 1:29:36Speaker 03

  That's been negative for a while.

• 1:29:38Caleb Hammer?

  Why?

• 1:29:40Speaker 03

  Same thing with my credit card. I borrowed the money and then I-

• 1:29:43Caleb Hammer?

  I buy the money.

• 1:29:44Speaker 03

  Borrowed and then didn't want to pay-

• 1:29:46Caleb Hammer?

  Buy the money I borrowed?

• 1:29:48Speaker 03

  What? I borrowed the money from Cash App and the Cash App borrow thingy and then like kept forgetting to pay it back and or just not pay it back.

• 1:29:57Caleb Hammer?

  What's the bad debt do you guys think you have?

• 1:29:59Speaker 04

  Fifteen to twenty?

• 1:30:03Speaker 03

  I feel like mine's around like three to four K personally.

• 1:30:06Caleb Hammer?

  The household moron.

• 1:30:08Speaker 03

  Oh.

• 1:30:09Caleb Hammer?

  You're getting married in a couple of months.

• 1:30:11Speaker 03

  I'd say

• 1:30:14Speaker 03

  like ten.

• 1:30:15Caleb Hammer?

  Okay, twenty-two thousand.

• 1:30:16Speaker 04

  Oh, that's probably with my friend's car in there as well.

• 1:30:19Caleb Hammer?

  Is it?

• 1:30:20Speaker 04

  Yeah, I got a friend with a car.

• 1:30:22Caleb Hammer?

  What? Tell me.

• 1:30:23Speaker 04

  I I helped him get a car a few years back and he is supposed to be making the payments on it.

• 1:30:29Caleb Hammer?

  You borrowed it though?

• 1:30:30Speaker 03

  No.

• 1:30:30Speaker 04

  No, I was this, I was one of the signers.

• 1:30:32Caleb Hammer?

  No, you co-signed on your friend's car?

• 1:30:34Speaker 03

  He was the main signer.

• 1:30:36Speaker 04

  And uh-

• 1:30:37Caleb Hammer?

  Have you?

• 1:30:38Speaker 04

  Yes, I will never do that again, but he crashed it. They, I guess the insurance didn't pay out all of it, so it's still owed a few grand on it. And he still hasn't paid it back. And I'm not gonna pay it back, that's for him.

• 1:30:51Caleb Hammer?

  Are you still friends with him?

• 1:30:52Speaker 03

  Yes. This is the same friend that I'm like mildly convinced gave our dog ball cancer.

• 1:30:57Caleb Hammer?

  Okay, you guys are just pathetic.

• 1:30:59Speaker 03

  Yeah.

• 1:30:59Caleb Hammer?

  In life. I'm I'm so [__] done. Your debt minimum to pay is five hundred eighty-six dollars ninety-one cents. Five thousand five hundred comes in, maybe, I don't know, your income's going to zero, so I don't [__] I don't, who, what's your rent?

• 1:31:10Speaker 04

  Eleven hundred.

• 1:31:12Caleb Hammer?

  I'm gonna call this friend of the post show and I'm gonna [__] yell at him. Okay, give me the, good luck, I'm good at yelling. Give me the gas, electric, water, all the utilities plus internet, how much?

• 1:31:24Speaker 04

  Uh, five fifty.

• 1:31:28Caleb Hammer?

  Phone bill, normally.

• 1:31:31Speaker 04

  Uh, right at five hundred, four ninety-six or something like that.

• 1:31:34Caleb Hammer?

  And you pay for all they don't give you anything?

• 1:31:37Speaker 04

  No, so they will, my dad, he pays like, he will pay like three or four weeks late, like he just paid me now.

• 1:31:44Caleb Hammer?

  Okay, he's off, he's done. Get your own phone bill. We're doing healing. Do you guys own your phones or they payment plans?

• 1:31:48Speaker 04

  I'm, mine's still being paid off, I believe.

• 1:31:50Speaker 03

  Mine's about to be paid off.

• 1:31:52Speaker 04

  It's been paid off.

• 1:31:53Caleb Hammer?

  Okay, then we'll do one forty for phone plan.

• 1:31:56Speaker 04

  Yeah, and all my-

• 1:31:57Caleb Hammer?

  Shut the [__].

• 1:31:57Speaker 04

  My brothers pay for this.

• 1:31:58Caleb Hammer?

  Gas, vroom, vroom, drive, drive. Leave that phone plan. It's not an option.

• 1:32:04Speaker 03

  Like $200 to $300 a month.

• 1:32:07Caleb Hammer?

  Both combined? Okay, car insurance?

• 1:32:11Speaker 04

  That's 390 something, because it just dropped from 4 to 300.

• 1:32:16Caleb Hammer?

  It's pretty brutal. 390. Okay, food, $600. Use the meal plan.

• 1:32:20Speaker 04

  She crashes every car.

• 1:32:22Speaker 03

  I haven't crashed in a while.

• 1:32:23Caleb Hammer?

  TP fund, 150. Anything else? Need to survive? Makeup, birth control, whatever you need. All the good stuff. Medical, healthcare. Are there copays or is it shit?

• 1:32:31Speaker 03

  I'm still on my parents' insurance, so I...

• 1:32:33Caleb Hammer?

  Okay, I'm putting in $200 for you to literally get the worst health insurance ever, but it will prevent you from going bankrupt. Um, let's do subscriptions. 40 bucks. Pets. We have one dog?

• 1:32:44Speaker 03

  Two.

• 1:32:44Caleb Hammer?

  What's the other? Health and age?

• 1:32:46Speaker 03

  She's five. Just turned five.

• 1:32:48Caleb Hammer?

  Health insurance for her, 50 bucks. Pet insurance. How much for pet food?

• 1:32:52Speaker 03

  Uh...

• 1:32:54Speaker 04

  40 bucks a week? For the big bag?

• 1:32:56Speaker 03

  It'd be about 150-ish a month.

• 1:33:00Caleb Hammer?

  Shoot.

• 1:33:01Speaker 03

  They're about 30 to 40 bucks a month.

• 1:33:03Caleb Hammer?

  I don't know if you guys in the world are being able to afford that, but we'll find out.

• 1:33:07Speaker 04

  Sometimes our dogs eat nicer than us.

• 1:33:10Speaker 03

  Our dogs are always fed. We might not be.

• 1:33:13Caleb Hammer?

  Shut the fuck up. You guys are going in and buying bullshit every day. That is the dumbest shit I've ever...

• 1:33:19Speaker 04

  I've actually gotten better. I don't buy...

• 1:33:20Caleb Hammer?

  Oh, have you gotten better?

• 1:33:21Speaker 04

  Yes. For the past few months, I have not really bought lunch.

• 1:33:24Caleb Hammer?

  Objectively, I have last month. Shut up. I'm so done with you. $4,256.91. I'm sorry if I'm being rude, but I literally have it in front of me. Shut up! I literally have it in front of me, asshole. You still stop in and get bullshit even if you pack lunch. It makes it even worse. Okay, listen, with the flexibility and weird medical shit, I'm gonna say there's 1,000 left. And that's if you make your average of 55. Whereas you just need to average out through the high and low months and save up for the low months. But even still, at least with that...

• 1:33:55Caleb Hammer?

  So is your friend's car thing in collections?

• 1:33:59Speaker 04

  Yes.

• 1:34:00Caleb Hammer?

  Okay, which one is that? Sanit- Sanit- Sanitander?

• 1:34:04Speaker 04

  Santander, yes, yes, cuz we're global lending.

• 1:34:07Caleb Hammer?

  When, when did that go to collections?

• 1:34:09Speaker 04

  Uh, last summer.

• 1:34:12Caleb Hammer?

  Okay, you wanna have that for credit for almost a decade?

• 1:34:15Speaker 04

  No, he, he did tell me last week that when he gets his tax return, he's gonna pay it off.

• 1:34:20Caleb Hammer?

  Okay, I doubt he's gonna get 7,000.

• 1:34:22Speaker 04

  He has a child now.

• 1:34:23Caleb Hammer?

  That'll help, but with someone?

• 1:34:26Speaker 03

  Yes.

• 1:34:26Speaker 04

  He's with somebody who has two other children as well.

• 1:34:29Speaker 03

  That tax return money is going to her with the child. He's not head of household. She makes more than him.

• 1:34:35Speaker 04

  And it's her house.

• 1:34:36Caleb Hammer?

  I'm gonna minus that debt for now, cuz if you focus on it, it'll be the last one cuz hopefully he grows up. But I have no hope in that. So, bad debt, 14,724 dollars with your, obviously, 1,000 dollars a month. Takes 14 months, 15 months to pay off, then a fully funded emergency fund, and then start investing cuz you guys obviously have nothing.

• 1:34:56Caleb Hammer?

  It's all very basic stuff. The thing is, it's not complicated. You guys are just losers. You can't have conversations. You can't do anything. You can't talk to each other. You can't stand up. You can't advocate for yourself. You're gonna quit your job. You say, "Nobody hired." Like, shut the [__] up, shut the [__] up. You will have 1,000 excuses why this will not happen, but it's the, it's one of the easiest things I've filmed in months. Easy as that. I'm so [__] done. I am so [__] done. And sell the bus, pay off the debt.

• 1:35:17Speaker 04

  I can never.

• 1:35:19Caleb Hammer?

  Okay, then [__] you. I don't give a shit. I don't give a shit then. If you're not willing to sacrifice, I don't give a [__] about you then.

• 1:35:24Speaker 04

  Does, does that have to be a sacrifice?

• 1:35:26Caleb Hammer?

  Yes. Alright, I'm doing the Hammer Financial. Shut the [__] up. I'm doing the Hammer Financial Score. Join us on the post. I'm done with you, dude. You're not willing to sacrifice, die.

• 1:35:34Speaker 04

  It's making me money.

• 1:35:35Caleb Hammer?

  Shut the [__] up! They'll make you more money selling it, paying off the debt that have minimum monthly payments, dick.

• 1:35:44Caleb Hammer?

  Hammer Financial Score. Spending in a budget, 0 out of 10. They overspend by a few hundred bucks. Surprise you knows only that. Debt, collections, 0 out of 10. Emergency fund, 0 out of 10. There's nothing. Retirement, nothing. 0 out of 10. Real estate, 0 out of 10. First, then a honestly long while. Hammer Financial Score, 0 out of 10. Get yours at Hammer.com. Join Hammer Elite, the best membership on YouTube for a reason. For the post-show, I'm gonna call this friend. I'm gonna [__] and talk to him. Oh, my, there is something crazy.

• 1:36:11Caleb Hammer?

  Okay. Fuck. Okay, we gotta talk about Mexico.

• 1:36:15Speaker 03

  Oh, no. Oh, God.

• 1:36:16Caleb Hammer?

  What the? I'll see you guys there.

• 1:36:19Speaker 04

  No, we didn't. I had to bribe him to stay out of jail.

• 1:36:22Caleb Hammer?

  How much did it cost to bribe a cop? Oh, my goodness. Dude, you could have got f***ed. Call him.

• 1:36:31Caleb Hammer?

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

• 1:36:49Speaker 06

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