I Exposed His Hidden Affair | Financial Audit

*CRAZY POST SHOW* I called her mom, and everything goes off the rails. She *100% AGREES* with me... she goes *OFF* watch here: https://hamr.link/ytjoin *OR* download the brand new Hammer Elite App ➡️ https://hammerelite.com 30% off *LIMITED TIME ONLY* as a launch bonus 🎁 WE JUST LAUNCHED The Hammer For Life Box! Limited Edition Merch ONLY Available to the FIRST 1000 to Purchase AND once they're gone, they're gone FOREVER! https://hamr.link/app-launch 💰 Download Dollarwise - Big Deals, New Features, Free Trial: https://go.dollarwise.com/join ============================= 👉 Checking & Savings: get a $200 bonus and earn 3.75% APY on your Savings with Chime®: https://secure.moneymatchup.com/chime-caleb-website 🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb 🔥 Get Your Own *Hammer Financial Score* → https://hamr.link/FAquiz ============================= *Sponsors for This Video* ============================= You’re 30 seconds away from being debt free with PDS Debt. Get your free assessment and find the best option for you at https://PDSDebt.com/hammer If you or someone you know experienced serious mental health struggles as a result of social media use, you may be entitled to a potential recovery of over $1,000. Visit https://morganmorganpa.sjv.io/c/7273707/3841482/23429?sharedid=caleb-hammer to submit a claim now. ============================= *Education* ============================= 👉 Get access to EVERYTHING I offer all in one place: https://bit.ly/4sUm2pb ⚡️Learn how to budget: https://bit.ly/4sspyGh ⚡️Learn how to invest: https://bit.ly/41mr8OP ⚡️Pay off your debt: https://bit.ly/41mr8OP ============================= *Check Out My Resources* ============================= 👉 Checking & Savings: Get a $200 bonus and earn 3.75% APY on your Savings with Chime®: https://secure.moneymatchup.com/chime-caleb-youtube-disc 👉 Land a high-paying job with no experience or degree: ➡️ https://coursecareers.com/CalebHammer 👉 See if refinancing your high-interest debt saves money. Checking is free. → https://hamr.link/ytmoneylion2 👉 Get FREE MONEY by investing with Public! https://secure.moneymatchup.com/public-caleb 👉 Find the best credit cards for you with my quiz! https://cards.calebhammer.com/yt 👉 Get $20 from Acorns for free: ➡️ https://acorns.com/caleb 👉 Helium Mobile: Use promo code CALEB for a FREE plan ➡️ https://hellohelium.com/ 👉 Protect your online privacy and security for free with Aura: ➡️ https://aura.com/hammer ============================= *Chapters* ============================= 00:00 Intro 01:20 Jobs & Incomes 02:45 stay at home mom.. with no kids? 05:30 she doesnt even like bro lmaaao 16:40 chat, do we like her? 19:30 EEERM SHE SAID WHAT? 37:10 oooo hes hiding something 45:15 bro needs to run fr fr 01:00:30 "its just italy" lmaaao 01:11:40 they dont even talk to each, theyre cooked. 01:24:20 casually pulling out of his 401K LMAAO 01:29:30 Budget!! ============================= Want more content? ============================= 🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips 🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel ============================= *Connect with me!* ============================= TikTok: https://www.tiktok.com/@calebhammercomposer X: https://x.com/sircalebhammer IG: https://www.instagram.com/calebhammercomposer/ Facebook: https://www.facebook.com/calebhammercomposer/ ============================= *Want to be a guest on Financial Audit?* ============================= 👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply *Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. Sponsorship and business inquiries: [email protected] Learn more about your ad choices. Visit megaphone.fm/adchoices

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

• 0:01Speaker 00

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• 0:26Speaker 01

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• 0:55Caleb Hammer?

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

• 1:00Speaker 03

  My phone?

• 1:01Caleb Hammer?

  Uh huh.

• 1:01Speaker 03

  Why?

• 1:02Caleb Hammer?

  Give me your phone.

• 1:02Speaker 03

  Why?

• 1:03Caleb Hammer?

  Let me see it.

• 1:04Speaker 04

  Why are you hiding?

• 1:05Caleb Hammer?

  Why don't you go ahead and log in, since there is an email address associated with only [BLEEP].

• 1:10Caleb Hammer?

  He's lazy. He has no ambition. He drinks, he smokes, he's a loser.

• 1:14Speaker 04

  He was a loser without me.

• 1:15Caleb Hammer?

  Okay, so she's a [BLEEP].

• 1:16Speaker 04

  Don't even be around those blackies. [BLEEP] them.

• 1:19Caleb Hammer?

  You said blackies?

• 1:20Speaker 03

  You should see what she says at home in private.

• 1:22Caleb Hammer?

  What did she say at home?

• 1:23Speaker 03

  I can't say that on camera.

• 1:25Caleb Hammer?

  I have an exclusive offer just for you, but there's only one week left to purchase. You'll get lifetime access to the entire Hammer Elite catalog and my Hammer for Life box packed with limited edition merch. Plus, I just launched the brand new Hammer Elite app available on every major platform. To celebrate the app launch, I'm offering 30% off the annual plan in the month of June only. Download the Hammer Elite app by using the link in the description or pinned comment down below. This is the best membership you'll ever join, and that's a promise.

• 1:58Speaker 04

  Hi, I'm Monica. I'm 21 years old.

• 2:00Speaker 03

  Hi, I'm Scott. I'm 23 years old and we're from Greenville, Texas.

• 2:03Speaker 04

  And this is Financial Audit.

• 2:06Caleb Hammer?

  Welcome down from Greenville, from the Dallas-Fort Worth area. Lots of money-making opportunities, but not necessarily cheap. What do you do for a living, Monica?

• 2:16Speaker 04

  I work in insurance for like a...

• 2:20Caleb Hammer?

  Oh, what do you do in insurance? Because that could be good or bad.

• 2:22Speaker 04

  Oh, it's great. It's not sales, so that's good.

• 2:24Caleb Hammer?

  Which can be good or bad, but yeah.

• 2:27Speaker 04

  Hmm, it's good. Sales is kind of weird. But anyways, you're making a weird face. Anyways...

• 2:33Caleb Hammer?

  I don't know why sales is weird, but yeah. No, no, no. What do you make? What do you... Yeah, what do you make?

• 2:37Speaker 04

  What do I make? 61K.

• 2:38Caleb Hammer?

  Good! Dude, at 21, what the [bleep]? What are we doing?

• 2:41Speaker 03

  It's pretty ballin'.

• 2:42Caleb Hammer?

  This is incredible. Yeah, that's awesome. Well done. Do you have a degree?

• 2:45Speaker 04

  Uh, I graduated with my associate's degree out of high school, but then...

• 2:50Caleb Hammer?

  There you go, guys. Look, look what you can do. 61. That's incredible. What's hitting your account on a monthly basis? Your net pay?

• 2:56Speaker 04

  I make 1740 per paycheck and it's two paychecks.

• 3:00Caleb Hammer?

  Yeah, sure. So, listen. We have this positive thing out of the gate. It's exciting. You're making insane amount of money. The reality is, you're on Financial Audit and the stack in front of me is stupid big.

• 3:13Speaker 03

  That's big?

• 3:13Caleb Hammer?

  You're [bleep] it immediately. Yes, it's big. You wouldn't know what's big.

• 3:17Speaker 04

  I mean, if he supported me, then we would be fine.

• 3:20Caleb Hammer?

  I would support you. You make 30, 3,500 bucks a month.

• 3:24Speaker 04

  No.

• 3:24Caleb Hammer?

  Okay, he needs to be a man or you not be a man? He doesn't even know what's big.

• 3:27Speaker 04

  He needs to be the man. He needs to let me quit my job.

• 3:32Speaker 03

  I'm trying.

• 3:36Caleb Hammer?

  Oh, okay. So you want to quit your job?

• 3:38Speaker 04

  Oh, of course. I want to be a stay-at-home mom.

• 3:40Caleb Hammer?

  You're making good money. Oh, do you guys have kids?

• 3:42Speaker 04

  No. But whenever we do have kids, I need to be a stay-at-home mom.

• 3:47Caleb Hammer?

  When are you guys having kids? Also, you couldn't even dry your hair for Financial Audit?

• 3:51Speaker 04

  It has oil in it.

• 3:52Caleb Hammer?

  Aren't you showing up for like an event that almost no one that applies gets to experience?

• 3:56Speaker 04

  You rushed me. It's really [bleep] early.

• 3:57Caleb Hammer?

  We had the, uh...

• 3:58Speaker 03

  It is pretty fun.

• 3:59Speaker 04

  It's really [bleep] early.

• 4:00Caleb Hammer?

  Actually, it's, it's, it's 11 a.m.

• 4:03Speaker 04

  No, you guys required me to meet at earlier.

• 4:05Caleb Hammer?

  We film at the same time every day.

• 4:08Speaker 05

  I am no good before 11 a.m. I also get...

• 4:11Speaker 04

  headaches from computers? No, it's really

• 4:14Caleb Hammer?

  Okay, so she's a What do you do for a living to support your

• 4:18Speaker 03

  Ah, well, I work for

• 4:19Speaker 04

  He doesn't support me.

• 4:20Caleb Hammer?

  To try to support your bitch.

• 4:22Speaker 03

  Working towards it, I'm trying. Uh, right now.

• 4:24Caleb Hammer?

  Just cuz she got's big tits doesn't mean she's worth it, buddy. Just gonna tell you.

• 4:27Speaker 03

  Well.

• 4:28Speaker 04

  I think I'm pretty worth it. I'm making sixty-one at twenty-one.

• 4:32Caleb Hammer?

  I hate you two and a half minutes in. I really didn't think I would cuz you smell pleasant. So I was like, ooh. Usually people smell like shit when they come in here, but you smell nice. So I kinda liked you.

• 4:40Speaker 03

  This is what I gotta deal with. Every day.

• 4:42Caleb Hammer?

  Rip?

• 4:43Speaker 03

  Yeah.

• 4:44Caleb Hammer?

  Get another one. I don't know. You got a jawline.

• 4:46Speaker 03

  Thanks.

• 4:46Caleb Hammer?

  It's kinda, you're twenty-three. You can choose.

• 4:48Speaker 04

  He asked you about your job.

• 4:49Speaker 03

  Well. Okay, so I work for a tech company. I make fifty-nine thousand a year. Uh, basically do like tech support.

• 4:56Caleb Hammer?

  You make less than her. Aren't you supposed to be the man?

• 4:59Speaker 03

  The man? Yes. Trying.

• 5:01Caleb Hammer?

  Where's the man? I mean, that's not a bad income. At twenty-three, that's not bad. I'm not criticizing that at all. Yes, that is gonna be Well, I mean, you could single income there. It's just you're not gonna be living a life of luxury by any means.

• 5:14Speaker 04

  We cannot single income.

• 5:16Caleb Hammer?

  On that, you can. It's just not gonna be great. You're gonna be living in a cheaper apartment, not having like the best cars. As you can, but you're just making that sacrifice that comes with it. And you, the likely pampered spoiled that I'm assuming you are, will likely not allow that lifestyle. Sorry, I'm being mean to her cuz she's a Immediately out of the gate. Okay, I'm gonna reset myself. Maybe you'll be pleasant. Oh, she's not pleasant. She's a bitch. Okay.

• 5:42Caleb Hammer?

  What's your job, though? At this tech company?

• 5:44Speaker 03

  Work tech support, customer service.

• 5:46Caleb Hammer?

  Oh. Okay. Yeah, we got some of those. It's

• 5:49Speaker 03

  I do hate it.

• 5:50Speaker 04

  He doesn't even wanna move up, so It's like going nowhere.

• 5:53Caleb Hammer?

  Huh? Wait, what did you say?

• 5:54Speaker 03

  I don't wanna move up in that company. I wanna find something.

• 5:57Caleb Hammer?

  Customer service? No offense to customer service. I employ some. That's not bad.

• 6:00Speaker 03

  Yeah.

• 6:00Caleb Hammer?

  Well, it's not useless.

• 6:01Speaker 04

  It's useless.

• 6:02Caleb Hammer?

  People need customer service or else I wouldn't be paying a lot of money to employ them.

• 6:06Speaker 03

  There is a path, but takes a lot of ass kissing. And I don't really wanna do that.

• 6:13Caleb Hammer?

  I'm just picking up from your attitude and what he's doing with his income and you want him to support you, you don't

• 6:17Speaker 04

  He's trying to go into plumbing.

• 6:18Caleb Hammer?

  You don't respect him, do you?

• 6:20Speaker 04

  He's trying to go into plumbing, because he needs to make money.

• 6:23Caleb Hammer?

  Plumbing could be good, but you don't respect him, do you? Do you?

• 6:26Speaker 04

  I do.

• 6:27Caleb Hammer?

  You do, okay, because, I mean, just with your attitude and he makes less than you, I'm just, it just feels like, how the would she?

• 6:35Speaker 04

  I mean...

• 6:36Caleb Hammer?

  Okay, does he want to get the trade job, or is she making you go get the trade job?

• 6:39Speaker 03

  It was my idea. Now, I feel like there's some better avenues, but she really was excited, and so, kind of feel pushed into it.

• 6:46Speaker 04

  And I want him to go to the military, reserves.

• 6:48Caleb Hammer?

  What? Oh, why? Reserves, I guess, fine, but why?

• 6:51Speaker 04

  Because he needs the government clearance for a tech job, because he has a two-year degree.

• 6:55Speaker 03

  That was, that was another part of my plan.

• 6:57Caleb Hammer?

  He doesn't need...

• 6:58Speaker 03

  I feel like I need it.

• 6:59Caleb Hammer?

  Yeah. Sure, it might help, but he doesn't need, you think everyone...

• 7:03Speaker 04

  I feel like he totally needs it.

• 7:04Caleb Hammer?

  You think everyone that works in tech has governor, government clearance?

• 7:07Speaker 04

  Hmm, no, but it helps you get a better, higher-paying job.

• 7:10Caleb Hammer?

  Yeah, it might be good, but signing up for reserves, what if he gets pulled up? We are in a little bit of a war.

• 7:17Speaker 03

  They have active duty.

• 7:18Caleb Hammer?

  They have active duty, but what if it...

• 7:20Speaker 03

  They're not gonna pull somebody who's brand new.

• 7:21Caleb Hammer?

  I don't know, man, what if it just, you, who knows, who knows what's ever gonna happen in the future? Okay, so she cro, well, you don't know that, that's the thing, that's, that's the point of it.

• 7:29Speaker 03

  Do you know that?

• 7:29Caleb Hammer?

  No, that's what I'm saying. I just said I don't know, no one knows.

• 7:33Speaker 03

  They're not gonna pull somebody who's one month in, two months in, even a year in, there's, there's a billion other people.

• 7:38Speaker 04

  Active duty?

• 7:39Caleb Hammer?

  Oh, yes, a billion other people in our military.

• 7:42Caleb Hammer?

  What are you talking about?

• 7:42Speaker 03

  What are you talking about?

• 7:45Speaker 03

  There's so many more people. I'm just there to get a, a nice easy ride.

• 7:48Caleb Hammer?

  You don't know what's gonna happen in the future, there's a reason we have reserves.

• 7:51Speaker 03

  Have the certifications paid for.

• 7:52Speaker 04

  We need to buy a house.

• 7:52Caleb Hammer?

  Oh my gosh, okay, I don't know what that has to do with what I'm just talking about. Like, yes, you're signing up for the reserves, statistical likelihood, not much gonna happen, but it's there for a reason, something could.

• 8:03Speaker 03

  I know, I understand that.

• 8:04Caleb Hammer?

  And we are in a war, we're in an unpredictable world, bombs be flying. I'm just saying, don't expect nothing to happen.

• 8:12Speaker 04

  But we get good benefits.

• 8:14Caleb Hammer?

  Yes, I'm not saying not, but I feel like you're kind of pushing him into that. And then what if he actually faces the consequences?

• 8:20Speaker 03

  The only thing is, I feel like sometimes, actually not even sometimes, she like never listens to me. And I'm kind of tired of it.

• 8:26Caleb Hammer?

  Well, I'm kind of feeling that in this conversation that neither of you listen. But, okay, she's never listening to you, but it sounds like you're doing what you want to do. If you wanted to get in the trades and you wanted to do the reserve military, she said it's your idea. So it sounds like you're being listened to.

• 8:39Speaker 03

  Now, it is my idea, but I just think there are better routes, or it's not, it's not necessarily something that I want to do.

• 8:47Caleb Hammer?

  She said try them. Sounds like she listened.

• 8:49Speaker 03

  Right, but you got to understand it's.

• 8:52Caleb Hammer?

  Tell me.

• 8:52Speaker 03

  She's very eager, very, I want it now in the moment. And so I'm feeling pressured to get into that.

• 8:58Caleb Hammer?

  Anything now in the moment besides drying hair.

• 9:02Caleb Hammer?

  Uh huh. So, what do you want to do? What's this alternative path?

• 9:07Speaker 03

  Um, I don't know. I really don't know yet.

• 9:10Speaker 04

  He has no idea.

• 9:10Caleb Hammer?

  You just said there's all these alternatives, but you can't tell me one? So shut the fuck up. Go to a trade school then. You can work in customer service, that's not bad. You don't make bad money, but as a dual income household, I mean, you guys are already making more than most people do with the height of their income as a combined household income. So you guys are killing it, but I mean, obviously you've fucked it up and you're not trad wifeing it until this is done.

• 9:30Speaker 04

  No, I know. That's why I want to pay it off.

• 9:32Caleb Hammer?

  But you guys already make more than the median household income in the United States by far.

• 9:36Speaker 04

  Oh, we could totally make more.

• 9:38Caleb Hammer?

  Yeah.

• 9:38Speaker 03

  We can't make more, but we spent.

• 9:39Caleb Hammer?

  But it doesn't matter. You already are making the more.

• 9:42Speaker 03

  We go on like 10 trips a year. Her idea, by the way.

• 9:44Caleb Hammer?

  Don't do that.

• 9:46Speaker 04

  We're young. I want to travel and he's not.

• 9:48Caleb Hammer?

  You're young. You want to travel or do you want to trad wife? Because like you're kind of wanting everything.

• 9:53Speaker 04

  He doesn't make enough where I could stay at home right now. So what's the point?

• 9:57Caleb Hammer?

  You make like 120.

• 9:58Speaker 04

  If I stopped working, he could not afford to take care of me.

• 10:01Caleb Hammer?

  Not your current lifestyle. Correct. But you could afford to do a lifestyle.

• 10:05Speaker 04

  No.

• 10:06Caleb Hammer?

  It's, it wouldn't be the greatest lifestyle. It's not even what I'm advocating for, but I'm saying you could, technically.

• 10:11Speaker 04

  I want to quit my job by next April.

• 10:13Caleb Hammer?

  We already, well, I didn't know by next April.

• 10:15Speaker 03

  It's definitely not.

• 10:15Speaker 04

  That's what we're getting married. And then we have to go on the honeymoon right after.

• 10:19Caleb Hammer?

  Are you not married yet?

• 10:19Speaker 04

  No.

• 10:20Caleb Hammer?

  Oh, buddy, you still have a chance.

• 10:23Caleb Hammer?

  Get the, the big boobs, they're not, they're not everything. You'll find many.

• 10:26Speaker 04

  He was a loser without me.

• 10:28Speaker 03

  I like him.

• 10:28Caleb Hammer?

  Probably, but.

• 10:29Speaker 04

  He was. So he needs me.

• 10:32Caleb Hammer?

  Yeah, you, okay. How is he a loser?

• 10:35Speaker 04

  He was smoking weed, like he was a pothead, he was vaping, he didn't have a job, he was living with his brother and his brother was pushing him into unemployment.

• 10:43Caleb Hammer?

  Pushing him into unemployment, okay. How old was he?

• 10:47Speaker 04

  The brother?

• 10:47Caleb Hammer?

  Him. He's 23 now, how old is he?

• 10:49Speaker 03

  I was like 19.

• 10:50Caleb Hammer?

  Okay.

• 10:51Speaker 04

  No, you were already 21. But I was already a manager at Walmart, like at, right at 18.

• 10:57Caleb Hammer?

  You're definitely.

• 10:58Speaker 04

  No, but right at 18.

• 10:59Caleb Hammer?

  Even though you're, that no one wants to be around, you're definitely someone that accelerates in life and like I can respect that. If he was 19, like I'm not going crazy.

• 11:07Speaker 03

  That's what I'm saying.

• 11:08Speaker 04

  I was freshly 18 when we started dating.

• 11:10Caleb Hammer?

  What is women with this freshly 18 terminology every time? Why is it?

• 11:14Speaker 04

  I was freshly 18.

• 11:15Caleb Hammer?

  But why do you have to put freshly in front of it? Women are obsessed with this, this word with freshly 18. Congratulations, you turned 18 like every other human being in history. Why, it's not all of a sudden a fresh and a unique thing that you and only you experienced.

• 11:27Speaker 04

  I'm just saying.

• 11:28Caleb Hammer?

  Why are you infantilizing turning 18? Congratulations, you go serve up with the military, you can get a job, you can do a lot of things, you can vote for the future of this country and have the consequences behind that.

• 11:38Speaker 04

  Which is a good thing I can vote.

• 11:40Caleb Hammer?

  Huh?

• 11:40Speaker 04

  I should be able to vote. I'm great.

• 11:42Caleb Hammer?

  Yeah?

• 11:43Speaker 04

  My beliefs are the best.

• 11:45Caleb Hammer?

  Okay, I didn't advocate for taking away your right to vote.

• 11:47Speaker 04

  Never said you did, I'm just saying. Me voting is good.

• 11:50Caleb Hammer?

  Yeah, but why do this infantilization around 18? It's such a weird freak behavior. You were an adult like everyone else. Get with it. Who cares? Why do you have to set it up with this prerequisite of being fresh?

• 12:04Speaker 04

  Cause.

• 12:04Caleb Hammer?

  You're not flush, dude.

• 12:06Speaker 04

  Yes, I was. I was freshly 18 and he was a loser. That's what I'm saying.

• 12:11Caleb Hammer?

  Been a loser, doesn't mean that, it's like you don't have to infantilize yourself, man. When'd you guys get together? You were 19?

• 12:17Speaker 04

  No, he was 20, almost 21.

• 12:20Speaker 03

  I was 20. Not even close to 21.

• 12:22Speaker 04

  Yes, because we got together in July and his birthday is in November.

• 12:25Caleb Hammer?

  When you were freshly 18.

• 12:29Caleb Hammer?

  Then he would be 20.

• 12:30Speaker 04

  No, but then he turned 21.

• 12:32Caleb Hammer?

  And you were so fresh.

• 12:33Speaker 04

  In November. We got together in July and he turned 21 in November.

• 12:37Speaker 03

  It's like five months.

• 12:38Caleb Hammer?

  Okay, well, why the does that matter? That's such an insignificant.

• 12:41Speaker 04

  I'm just saying.

• 12:42Caleb Hammer?

  I know people like you freak out about months and one year age gap, but like who gives a shit? Okay, so yeah, maybe he was a loser. That's fine. Listen, I mean, it's not, and I would advocate for you to get better. Is she the one that fixed you?

• 12:55Speaker 03

  Hmm, she helped.

• 12:57Caleb Hammer?

  Okay, cuz she seems to be very strict. You're kind of strict as whipping around the house. I mean, you got your shit together. I mean, again, I can appreciate that.

• 13:04Speaker 03

  She has a very articulate and she's very specific. She knows what she wants.

• 13:09Caleb Hammer?

  What?

• 13:10Speaker 04

  What do I want? Well, I didn't want him to smoke weed.

• 13:12Caleb Hammer?

  Okay, reasonable request.

• 13:14Speaker 04

  Vaping, he quit that.

• 13:16Caleb Hammer?

  Yeah, that's bad for him.

• 13:18Speaker 03

  Helped that her mom's always like overpowering. So like if I have anything that we're fighting against.

• 13:23Caleb Hammer?

  Wait, what the is her mom?

• 13:25Speaker 03

  You don't understand. Well.

• 13:26Speaker 04

  I don't even talk about anything with my mom.

• 13:29Speaker 03

  Her mom always backs her up, no matter if I'm in the right or if I'm genuinely making the most sense.

• 13:34Speaker 04

  She actually does take your side on some things.

• 13:36Speaker 03

  You don't get it, no.

• 13:37Speaker 04

  Cuz she told me I have to stop doing trips and you were advocating for that.

• 13:40Speaker 03

  But we're still going on trips.

• 13:42Caleb Hammer?

  I don't care about your mom.

• 13:43Speaker 03

  How many trips have we been on this year?

• 13:46Speaker 03

  Six?

• 13:47Caleb Hammer?

  What the?

• 13:47Speaker 04

  Probably. I mean, I've been on like eight.

• 13:49Speaker 03

  We just got off of a trip. We just came back.

• 13:50Caleb Hammer?

  It's May!

• 13:51Speaker 04

  Yeah.

• 13:52Caleb Hammer?

  What are you guys doing?

• 13:53Speaker 04

  He's not going on anything.

• 13:55Caleb Hammer?

  Okay, I understand. Young, dumb, and this is the, yeah, a lot of money. It's, but you guys are just blowing it, man. You don't have, you have no idea the amount of money you guys are making now at your age with the compound growth and the time in the market that you could have. Multi, multi, multi, multi, multi millionaires by the time you retire. You're just throwing it away for temporary pleasure.

• 14:15Speaker 04

  But I don't wanna work. That's the whole point.

• 14:17Caleb Hammer?

  Well, that's fine. Then why are you going on vacations, building up the debt that is preventing you guys from taking off work?

• 14:22Speaker 03

  She's also spending like 5K on Italy later this year and on.

• 14:26Caleb Hammer?

  Because you don't get to have everything. You can't have-

• 14:30Speaker 04

  He doesn't make enough though, so why would I slow down? Why would I-

• 14:33Caleb Hammer?

  Because you're making him have to make even more and more and more. The more debt you accumulate, the more he's going to have to make to get you out, to get you out of the debt in order for you to be a stay-at-home.

• 14:43Speaker 04

  But I would stop if he actually tried to do something with his career. He doesn't even know what he wants to do.

• 14:47Caleb Hammer?

  I know he's going into trades. I know he doesn't know what to do. You've told him what to do.

• 14:51Speaker 04

  That was his idea.

• 14:52Caleb Hammer?

  Kind of. Well, what are you saying? That you can't say he doesn't know what to do?

• 14:55Speaker 03

  I briefly brought it up, and then she took it and went like a thousand-

• 14:59Speaker 04

  It's gonna be five years before he actually becomes a plumber.

• 15:02Caleb Hammer?

  That doesn't make any sense. Is that how-

• 15:03Speaker 03

  It does take about five years.

• 15:04Caleb Hammer?

  Okay, but you'll be making some money along the way through apprenticeships and whatnot.

• 15:07Speaker 04

  Yeah, he's gonna start at like eighteen an hour for the first year, so it's like-

• 15:10Caleb Hammer?

  It's still my, okay, you might have to work a little bit at twenty-three or one. Who cares? Like, you'll work a couple of years. You'll, you'll, so you'll be a trad whore at like twenty-four.

• 15:22Speaker 04

  If he actually does it.

• 15:24Speaker 03

  I feel so pressured to give her that lifestyle.

• 15:26Caleb Hammer?

  Do you even want to give her that lifestyle?

• 15:28Speaker 03

  I mean, I do. It's just hard.

• 15:30Caleb Hammer?

  Why do you say that?

• 15:31Speaker 04

  Why? Cause he doesn't do anything.

• 15:34Speaker 03

  I feel like we are young, so we can, we, we have the time to get to that lifestyle. It doesn't have to be right now.

• 15:39Caleb Hammer?

  Okay, you don't necessarily need that lifestyle, but if you guys want to have that lifestyle, you can, but you can afford it, kind of. Okay. You guys are just making it so hard because you're f***ing up life so early. I don't really understand the point. You guys haven't unlocked the level of income that most households never get to in this country.

• 15:56Speaker 03

  Really?

• 15:58Speaker 04

  I feel like we're not making a lot at all.

• 15:59Speaker 03

  Yeah, I feel like we don't make enough.

• 16:00Caleb Hammer?

  You make like a hundred twenty thousand hours a year.

• 16:02Speaker 03

  Sure, but-

• 16:02Speaker 04

  Yeah, but then-

• 16:03Caleb Hammer?

  Median household in this country is what, like eighty?

• 16:05Speaker 04

  No, but net, net, we don't make that much.

• 16:08Caleb Hammer?

  No shit. And net, the eighty thousand, eighty thousand dollar a year median household in the country doesn't net eighty thousand?

• 16:15Speaker 04

  I'm just saying, it's not enough.

• 16:16Caleb Hammer?

  What the point was that? Yes, it is enough. If, if you can't make it off a hundred twenty thousand hours a year, you guys aren't gonna make it.

• 16:22Speaker 04

  Here's the thing. My mom's paying for the wedding, right?

• 16:25Caleb Hammer?

  Oh, she's back, okay. Welcome mother to the conversation.

• 16:27Speaker 04

  She's paying for the thirty K wedding, but then-

• 16:30Caleb Hammer?

  Okay, you're spoiled. Yes, we get it.

• 16:31Speaker 04

  But then, we have to go on a honeymoon that's probably around-

• 16:34Caleb Hammer?

  Don't have to.

• 16:35Speaker 04

  Twenty-five K.

• 16:36Caleb Hammer?

  Why are you saying you have to?

• 16:37Speaker 04

  Why?

• 16:38Caleb Hammer?

  Okay, what the f*** is wrong with you?

• 16:39Speaker 04

  Cause he needs to pay for it.

• 16:41Speaker 03

  Her mom is wanting me to pay her back.

• 16:44Caleb Hammer?

  Then don't do a thirty thousand hour wedding.

• 16:46Speaker 04

  We already booked everything.

• 16:47Speaker 03

  It's already booked.

• 16:48Caleb Hammer?

  I'm sure you can cause some things now.

• 16:50Speaker 04

  No.

• 16:51Speaker 03

  Everything is in a package.

• 16:54Caleb Hammer?

  Why'd you do that?

• 16:56Speaker 04

  It's easier.

• 16:57Speaker 03

  Like I said, it's like, it's like a two v one.

• 16:59Speaker 04

  They take care of everything.

• 16:59Caleb Hammer?

  Is your family contributing?

• 17:01Speaker 03

  No.

• 17:01Speaker 04

  No.

• 17:02Caleb Hammer?

  Why?

• 17:03Speaker 04

  I don't think they want to.

• 17:04Caleb Hammer?

  They might not want to.

• 17:05Speaker 03

  I've asked.

• 17:06Caleb Hammer?

  Going into thirty thousand dollars a debt immediately out of the gate of a marriage to a family member is pretty stupid.

• 17:14Speaker 03

  And whenever I say no, it's, I just, I, I don't have a say.

• 17:17Caleb Hammer?

  Okay.

• 17:18Speaker 03

  It's her and her mom, always.

• 17:19Caleb Hammer?

  How close are you to, are you distancing him from her family? Are you grooming this man?

• 17:23Speaker 04

  No, I love his family.

• 17:26Caleb Hammer?

  Why don't they want to participate?

• 17:27Speaker 03

  Loves my family.

• 17:28Caleb Hammer?

  Well, what does that mean?

• 17:29Speaker 03

  I don't know. I feel like it's all an act, just to, you know, be the nice, the nice lady.

• 17:33Speaker 04

  No, I love his family. I do.

• 17:36Caleb Hammer?

  You love anything? You're-

• 17:38Speaker 04

  I love a lot of things. I would love my lifestyle that I want, that I'm trying to build.

• 17:41Speaker 03

  That's all she wants.

• 17:42Caleb Hammer?

  Spoiled whore.

• 17:44Speaker 04

  I provide everything for myself right now.

• 17:46Caleb Hammer?

  Dump him, date a rich person like in this room. They'll give you that lifestyle. They make as much as you guys do as a meeting household. Get a better guy. You married a twink. His family won't even provide for the wedding. Brandon's over there. He likes big boobas.

• 18:01Speaker 04

  Yeah, but he's a man whore.

• 18:03Caleb Hammer?

  True. She knows the lore. That's, that's true. That is true. Well done.

• 18:07Speaker 04

  He likes to [bleep] and then dump.

• 18:12Caleb Hammer?

  Okay, okay. So, I- You guys said this, why do we have to do a twenty five thousand dollar, you said have to honeymoon?

• 18:21Speaker 04

  Honeymoon? Yeah, we need to go all out. Go to Greece. We only have one-

• 18:25Caleb Hammer?

  Need to, we don't need to. Why is, why is the need? I don't understand the need.

• 18:28Speaker 04

  We're young, we need to travel.

• 18:30Caleb Hammer?

  Don't need. You went on five trips this year so far.

• 18:32Speaker 03

  She said she wants something to remember.

• 18:34Caleb Hammer?

  Which one? How many trips?

• 18:35Speaker 04

  Like eight.

• 18:36Speaker 03

  Yeah, eight trips.

• 18:37Caleb Hammer?

  What have you done this year so far?

• 18:39Speaker 03

  I mean, we just got back from the casino, then Denver, Durant, Choctaw.

• 18:44Caleb Hammer?

  Oh, it was like a day drive. Okay, it's a little-

• 18:45Speaker 03

  It was like a week. We spent a week there.

• 18:49Speaker 03

  It was right before this. Uh, we just flew in from Denver. Two cruises.

• 18:54Speaker 04

  Oh, yeah, we went to Denver for the weekend.

• 18:56Caleb Hammer?

  What did you do in a week at the casino? Like the one in Oklahoma, that thing?

• 18:59Speaker 03

  Yeah.

• 18:59Caleb Hammer?

  What the [bleep] did you do for a week there?

• 19:04Speaker 04

  There's like the pools and bowling and arcades.

• 19:06Caleb Hammer?

  There's pools, bowling and arcade where you live!

• 19:09Speaker 04

  Not really.

• 19:10Caleb Hammer?

  What? In Dallas? Yeah, I think so.

• 19:12Speaker 04

  Like an hour away from everything.

• 19:13Speaker 03

  It's the same distance.

• 19:14Speaker 04

  Yeah.

• 19:14Speaker 03

  So why, you know, might as well go.

• 19:16Caleb Hammer?

  Well, you went to a casino. It's not necessarily great for money.

• 19:19Speaker 04

  We brought a set amount. It wasn't that.

• 19:22Caleb Hammer?

  How much?

• 19:23Speaker 04

  I brought 150 and he did too.

• 19:25Caleb Hammer?

  For a week at the casino? No way. Go [bleep] yourself.

• 19:29Speaker 03

  I did take out more money.

• 19:30Caleb Hammer?

  There you go. That's impossible, you [bleep]. Okay, where else did you go this year?

• 19:36Speaker 04

  Uh, two cruises.

• 19:38Caleb Hammer?

  What the [bleep]?

• 19:39Speaker 04

  Actually, no, because if you count since like last September, we went on a cruise.

• 19:44Caleb Hammer?

  And I know you avoid Carnival like the [bleep].

• 19:46Speaker 04

  Oh, of course. You don't even be around those blackies. [bleep] them.

• 19:50Caleb Hammer?

  What the [bleep]? I shouldn't laugh about that. That is crazy. Why would you say that?

• 19:55Speaker 04

  Why?

• 19:56Caleb Hammer?

  Yeah, why would you say that?

• 19:57Speaker 03

  That might have been the realest thing you've ever said.

• 20:00Caleb Hammer?

  No, why would you actually say that aloud? That's crazy.

• 20:02Speaker 04

  Why?

• 20:02Caleb Hammer?

  You're laughing about it. That's insane.

• 20:04Speaker 03

  It's Carnival. Have you ever seen a Carnival cruise?

• 20:07Caleb Hammer?

  A what? That doesn't sound like a [bleep] joke. Yeah, that's not a joke. I say jokes. That's not a joke. Have I ever said that? I say crazy jokes. I haven't ever said that. Yeah, please. Let's, yes, please. Um, uh, I mean, I would also not go on Carnival cruise because I'm just like, um, I avoid tr- like trashy behavior, yes, but not black people. Um.

• 20:27Speaker 04

  But that's what you were insinuating.

• 20:28Caleb Hammer?

  No, trashy people, actually.

• 20:30Speaker 04

  That's what you were insinuating.

• 20:31Caleb Hammer?

  I actually didn't really insinuate. Oh, I, no, I insinuated that. Yes, you likely do not want to. She, she talked about, she was saying some things before we started filming too that were a little racist. So I, that's kind of why I knew it. I was kind of impressed. Uh, not impressed. Sorry. Huh?

• 20:46Speaker 03

  You started it.

• 20:46Speaker 04

  You did.

• 20:47Speaker 03

  You're calling us all white and then it's, it's good to be white and.

• 20:50Caleb Hammer?

  I didn't say that.

• 20:51Speaker 03

  Yes, you did.

• 20:52Caleb Hammer?

  What's going on? Guys, were we recording that?

• 20:54Speaker 04

  Tyler!

• 20:54Caleb Hammer?

  Because I didn't say that.

• 20:55Speaker 03

  Hey.

• 20:56Caleb Hammer?

  Oh, what's up?

• 21:01Speaker 04

  I love how they pulled him. You guys pulled him. It's great.

• 21:04Caleb Hammer?

  At least you called him a him.

• 21:07Speaker 03

  Not an it's or?

• 21:10Caleb Hammer?

  It's concerning, I'll be honest. They went on two cruises this year. I made a joke, because most people want to avoid carnival, obviously, for obvious reasons. Even you Tyler. Yeah, for sure. I said, "Obviously, avoid carnival." And she's like, "Ha, yeah, I don't want to be around those blackies."

• 21:25Speaker 03

  She did yell it pretty loud.

• 21:26Caleb Hammer?

  You said "blackies"?

• 21:28Speaker 04

  I did.

• 21:31Caleb Hammer?

  What the f- What's your perspective, lady? What the f- "Blackies"? That's how you refer to us, "blackies"?

• 21:37Speaker 04

  Yeah.

• 21:38Speaker 03

  You should see what she says at home, in private.

• 21:40Caleb Hammer?

  What did she say at home?

• 21:41Speaker 03

  I can't say that on camera.

• 21:43Caleb Hammer?

  Uh, actually, we're giving you permission.

• 21:44Speaker 03

  No, he can say it. I can't.

• 21:48Caleb Hammer?

  Why the f- you call us- no, no, no, f- that. I'm talking to him.

• 21:50Speaker 04

  You say that.

• 21:51Caleb Hammer?

  Why do you both say that? So why are you trying to act like she did?

• 21:54Speaker 03

  Well, I mean, she brought it up.

• 21:55Caleb Hammer?

  So you're saying too?

• 21:56Speaker 03

  I mean, every now and then.

• 21:58Caleb Hammer?

  Do you guys say the ends at home?

• 22:00Speaker 03

  Who doesn't, in private?

• 22:01Speaker 06

  You know, there are some footprints that you just can't erase.

• 22:05Speaker 04

  When he's gaming?

• 22:06Speaker 03

  Yeah, when I'm gaming.

• 22:07Caleb Hammer?

  And when do you say it?

• 22:09Speaker 04

  When he asks me, his friends will come up to me.

• 22:11Speaker 03

  Oh, she'll just let it rip anytime. Don't even believe her. No.

• 22:13Speaker 04

  No, I will not. It's whenever your friends-

• 22:15Caleb Hammer?

  Oh, don't sit here trying to act like you're all innocent all of a sudden.

• 22:17Speaker 04

  I'm not. I'm just saying this-

• 22:18Caleb Hammer?

  You just called us "blackies", nigga, what the f-

• 22:20Caleb Hammer?

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• 23:06Caleb Hammer?

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• 23:46Speaker 00

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• 24:11Caleb Hammer?

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• 24:51Speaker 04

  What the? She's scared right now. I'm not scared. Tyler's cool. Well, thank you. I appreciate that, but what the? Are you saying he's one of the good ones? Yeah.

• 25:00Speaker 03

  One of, like, very few.

• 25:06Speaker 04

  Same with Robert. Robert's cool too. You met Robert? No, I'm just saying he's cool. How does you know the COO?

• 25:15Speaker 07

  Why do you, why do you call black people blackies?

• 25:18Speaker 04

  It was just a joke.

• 25:19Speaker 03

  It just rolls off the tongue.

• 25:20Caleb Hammer?

  That's, I don't know.

• 25:21Speaker 07

  Hold on, hold on, no, pause, pause, pause. You're okay. Rolls off the tongue?

• 25:23Speaker 03

  I mean, what would you, what would you prefer?

• 25:25Speaker 07

  Black people, people, person?

• 25:28Speaker 03

  That's two syllables.

• 25:29Speaker 04

  I would make fun of anyone though, like white people are fucking annoying too.

• 25:32Speaker 07

  People harder to say than blackies? People? You can't say people.

• 25:35Speaker 03

  It's a longer word.

• 25:35Speaker 07

  Nigga, you can't say people. People.

• 25:37Speaker 03

  I can't say people.

• 25:38Speaker 07

  I'm a person, what am I?

• 25:38Speaker 03

  You are a person.

• 25:39Speaker 07

  You gonna call me a blackie?

• 25:40Speaker 03

  I mean, she did it for me.

• 25:42Speaker 07

  Call me a blackie. Call me a blackie.

• 25:44Speaker 03

  I got permission?

• 25:44Speaker 07

  Call me a blackie.

• 25:45Speaker 03

  What's gonna happen?

• 25:46Speaker 07

  I don't know, find out.

• 25:49Speaker 07

  Alright, good. Glad you didn't do it. Why the fuck you calling people blackies, bro?

• 25:53Speaker 04

  It's a joke.

• 25:54Speaker 07

  I don't give a fuck.

• 25:55Caleb Hammer?

  Oh, you guys are saying the N-word at your house, that's not a joke.

• 25:57Speaker 07

  I don't give a fuck.

• 25:58Speaker 03

  You act like you don't.

• 25:59Caleb Hammer?

  I don't, I've never said the N-word.

• 26:00Speaker 04

  I just feel like you do.

• 26:01Caleb Hammer?

  Oh, come on. I've never said the N-word.

• 26:03Speaker 03

  I do not believe it.

• 26:04Caleb Hammer?

  Yes, because I love jokes, but exactly, I called him over to say it for. Yeah, when you say it as a white man, it's not really a joke.

• 26:12Speaker 07

  Oh my gosh.

• 26:12Caleb Hammer?

  And I'm not very SJW, woke or anything, I hate that shit.

• 26:16Speaker 03

  Why can't we say it?

• 26:18Speaker 04

  That's wild, that's wild.

• 26:21Speaker 03

  That's out of pocket?

• 26:22Caleb Hammer?

  Okay, they were being racist before we started filming.

• 26:24Speaker 07

  What'd you say?

• 26:24Caleb Hammer?

  I, I came in and I looked at him and said that you guys are like the whitest people that have ever been in the studio. And then he said, that's better than being black.

• 26:32Speaker 03

  I mean, can you blame me?

• 26:34Caleb Hammer?

  And I said, I guess that's kinda true, because my life was easier. But then, that's not why they said that, yeah, isn't it easier to be white?

• 26:42Speaker 07

  That's true.

• 26:42Caleb Hammer?

  Okay.

• 26:43Speaker 03

  Thank you.

• 26:44Caleb Hammer?

  There's some DEI stuff that was helping you guys for a few years, but we kinda rolled that back.

• 26:50Speaker 07

  Are you on my side or their side?

• 26:51Caleb Hammer?

  I'm on the judge by talent side.

• 26:53Speaker 07

  Okay, judge by talent, okay.

• 26:54Caleb Hammer?

  I like, I judge by talent.

• 26:56Speaker 07

  Also, Carnival's not even that anymore, they don't play black people music anymore.

• 26:59Speaker 04

  It's not the music.

• 27:00Speaker 03

  That's not what I'm seeing online.

• 27:01Caleb Hammer?

  It's the people.

• 27:02Speaker 04

  No, it's...

• 27:03Caleb Hammer?

  Then what?

• 27:04Speaker 04

  They like steal stuff, like, you see, they literally changed their policy because they were stealing stuff and they were causing problem.

• 27:12Speaker 03

  What else would you say?

• 27:13Speaker 04

  Yeah, the group of people.

• 27:14Speaker 07

  There we go, you said it, man, you said it. Group of people.

• 27:16Speaker 03

  The group of people, there you go.

• 27:18Speaker 07

  Thank you, thank you.

• 27:18Speaker 03

  Yeah, of course.

• 27:19Speaker 07

  Thank you, thank you, good job.

• 27:20Speaker 04

  Everyone on Carnival.

• 27:21Caleb Hammer?

  I'll be honest, you guys, okay, you guys are in the deep suburbs of Dallas, in the white area, you guys are racist. Just own it and it's, well, it's not fine, but just own it and we'll accept it and move on.

• 27:34Speaker 04

  I do make fun of everyone, though.

• 27:36Caleb Hammer?

  Yeah. I do too, but I don't call people the N-word.

• 27:39Speaker 07

  You're blacking.

• 27:40Speaker 03

  I don't call them.

• 27:41Speaker 07

  What the fuck is blacking? Why you say it at your house?

• 27:44Speaker 03

  That's not calling them that.

• 27:46Speaker 04

  Not at all.

• 27:46Caleb Hammer?

  Guys, I love jokes. Saying the N-word around the house is not a joke.

• 27:50Speaker 03

  You're saying you've never let it rip once.

• 27:52Caleb Hammer?

  No.

• 27:52Speaker 03

  Come on.

• 27:53Speaker 04

  I don't believe you.

• 27:53Caleb Hammer?

  Roberts, I've been friends with Roberts since like elementary school. He backs me up. He knows I've never said it. Have I dreamed it? Of course who doesn't. But I've never said it.

• 28:04Speaker 04

  No, it doesn't make it okay to actually call the people, like you wouldn't call a retard a retard.

• 28:08Caleb Hammer?

  Exactly.

• 28:09Speaker 04

  No, you don't do that. I'm just saying like, but you can say the word, but you don't call the

• 28:15Caleb Hammer?

  Not a mentally challenged person.

• 28:17Speaker 07

  Yeah, not an actual mentally challenged person.

• 28:17Speaker 04

  Yes, that's what

• 28:18Caleb Hammer?

  Like Brandon, yes.

• 28:21Speaker 04

  You wouldn't say that to someone. Like you wouldn't say an N-word. No, no, you wouldn't say the N-word to Tyler.

• 28:27Speaker 07

  There's people who would. You would call me a blackie.

• 28:29Speaker 04

  Yeah, but I wouldn't, no, but I

• 28:31Speaker 07

  You called me a blackie.

• 28:33Speaker 04

  And I would call white people, white people, like Cracker.

• 28:36Speaker 03

  Cracker.

• 28:36Speaker 07

  Pause, pause, pause, pause. White people. What about black people? You didn't say whitey.

• 28:41Speaker 04

  I would say whitey. I would say whatever.

• 28:44Speaker 07

  Uh, white people. What the fuck are you calling me a blackie for?

• 28:47Speaker 04

  Whitey? I don't care. Cracker? I don't care.

• 28:50Speaker 07

  I'm on your ass.

• 28:51Speaker 03

  What did I do?

• 28:52Speaker 07

  You. You need help. You need help. Don't say no fucking blackies before you get your ass beat. Somebody go beat your ass. I'm so serious.

• 28:59Caleb Hammer?

  She's the most like 1920s conservative woman ever born.

• 29:02Speaker 07

  I don't give a fuck. Go to the diner then.

• 29:04Caleb Hammer?

  She can't be fixed. She can't be fixed. She's, she's gone.

• 29:06Speaker 07

  She cooked. Don't leave Dallas.

• 29:08Caleb Hammer?

  She's gonna make racist little kids and I mean, they're a cute couple, but they're just very racist.

• 29:12Speaker 03

  Generational.

• 29:15Speaker 07

  I'm gonna put my hands on this dude.

• 29:17Caleb Hammer?

  What'd he say?

• 29:17Speaker 07

  He said generational.

• 29:20Caleb Hammer?

  Guys, if you're racist, just embrace it.

• 29:23Speaker 04

  I make fun of everyone.

• 29:25Caleb Hammer?

  You make fun of everyone. Uh, do you guys like black people? As a collection?

• 29:28Speaker 03

  Sure, some of them. I'm being hon- like, dude, the stereotypes are there for a reason, just like how white people have stereotypes.

• 29:37Caleb Hammer?

  Yes, continue.

• 29:38Speaker 03

  I'm not gonna go list them, but I'm not gonna go name any, but you know.

• 29:42Caleb Hammer?

  I think you should name any.

• 29:43Speaker 03

  I think he knows too.

• 29:44Speaker 07

  No, name some, no, no, name some.

• 29:45Caleb Hammer?

  We just wanna see how informed you are.

• 29:47Speaker 03

  Uh, I'm pretty, pretty informed. Uh, no, I'm not gonna do that online.

• 29:56Caleb Hammer?

  So, do you like black people?

• 29:58Speaker 04

  Yes.

• 30:00Caleb Hammer?

  How did you?

• 30:00Speaker 07

  I don't like the way she said that.

• 30:04Caleb Hammer?

  Come on, you wouldn't, if, okay, if your school that you were sending your kids to were even 30% black, you would not be sending them there.

• 30:11Speaker 07

  Oh, hell no. Oh, your kids could.

• 30:15Speaker 04

  I wanna homeschool, so then they're not in public school.

• 30:18Caleb Hammer?

  Why?

• 30:19Speaker 04

  Why? Because of how the world is going?

• 30:22Caleb Hammer?

  How's the world going?

• 30:24Speaker 04

  Hmm, have you heard of like the litter boxes in schools?

• 30:28Caleb Hammer?

  That's the second time this week. Is this like a news story going around? I don't-

• 30:32Speaker 03

  It's been a thing.

• 30:33Speaker 04

  It's been a thing.

• 30:34Speaker 01

  It was all made up. That's the admission from Joe Rogan.

• 30:37Caleb Hammer?

  Years ago, yeah. No, no, don't get me wrong, yes, there was some-

• 30:41Speaker 00

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

• 31:06Caleb Hammer?

  Weird performance of politics, but isn't that like kinda done, especially in Texas? Okay, what else, what else is going on?

• 31:11Speaker 04

  What else is going on, or how the teachers sometimes will like molest the kids?

• 31:18Caleb Hammer?

  That, that happens in church too. Are you sending them to church?

• 31:20Speaker 04

  No.

• 31:22Speaker 03

  I don't go to church.

• 31:22Caleb Hammer?

  Not religious?

• 31:23Speaker 04

  No, I just have the values.

• 31:26Caleb Hammer?

  What's your values? Clearly, they don't, they don't like blah.

• 31:30Speaker 04

  I never said that.

• 31:31Caleb Hammer?

  You called them blackies and you called them N-words.

• 31:33Speaker 03

  It's okay, but when we say it-

• 31:36Caleb Hammer?

  Cause I don't call people that.

• 31:37Speaker 03

  You say black people.

• 31:41Speaker 03

  He was hesitant.

• 31:44Speaker 07

  You're good. Don't worry about it. Don't worry about it.

• 31:46Speaker 04

  You need the validation?

• 31:47Caleb Hammer?

  I just want your values.

• 31:49Speaker 04

  You had to give him the validation?

• 31:50Speaker 07

  I'm not talking to you.

• 31:51Speaker 03

  Can I get some validation?

• 31:53Speaker 07

  I hate you more than I hate her.

• 31:54Speaker 03

  Come on.

• 31:57Speaker 03

  This?

• 31:57Speaker 07

  She's alright. She's okay. She said my name. That's at least cool.

• 32:00Caleb Hammer?

  What's your values?

• 32:01Speaker 04

  What's my values? Just more conservative.

• 32:04Caleb Hammer?

  Oh, conservative doesn't necessarily mean eating black people or anti-school. There's normal conservatives, normal liberals.

• 32:12Speaker 04

  No, I just don't want anything to be shoved down my kid's throat.

• 32:15Caleb Hammer?

  What are your values? You just say you're conservative. I need to hear the values.

• 32:17Speaker 04

  I mean, all of the, like, I do want the border, not because I'm racist, but because there's a lot of human trafficking that comes through the border and drug trafficking.

• 32:28Caleb Hammer?

  I think everyone wants a strong border these days.

• 32:31Speaker 04

  Every country has a strong border.

• 32:34Caleb Hammer?

  Everyone likes a strong border these days. Most of us don't have to say, "Not because I'm racist."

• 32:37Speaker 04

  Well, because you were insinuating that I'm racist when I don't give a about anyone.

• 32:41Caleb Hammer?

  When she said "blackies."

• 32:43Speaker 07

  "Blackies" was crazy. "Blackies."

• 32:44Caleb Hammer?

  What other values?

• 32:46Speaker 07

  Don't shake your head like that's not crazy.

• 32:48Speaker 04

  You guys say anything like, saying is technically crazy.

• 32:51Speaker 03

  Exactly.

• 32:52Caleb Hammer?

  Not today.

• 32:53Speaker 04

  No, to a good amount of people.

• 32:55Speaker 07

  "Blackies"? Your example, you already showed your example.

• 32:57Speaker 04

  I just don't think you understand.

• 32:59Speaker 07

  I understand. I hear you. You called me a black, you didn't say black person or black people. You said...

• 33:03Speaker 04

  I didn't call you a blackie.

• 33:05Speaker 03

  You've never said "cracker" or "whitey"?

• 33:07Speaker 07

  I don't call people cracker. I say nigga. I call people nigga.

• 33:10Caleb Hammer?

  No one gives a shit about cracker.

• 33:12Speaker 03

  I know, but it's like the same thing.

• 33:14Caleb Hammer?

  It doesn't have the same impact.

• 33:15Speaker 03

  But it's the same thing.

• 33:16Caleb Hammer?

  I'm not, I'm the furthest from woke you can get, but we know it doesn't have the same impact.

• 33:21Speaker 03

  I get that because of all that, but it's the same thing. Like, it's...

• 33:26Caleb Hammer?

  What are your values?

• 33:27Speaker 03

  My values? I don't know.

• 33:29Speaker 04

  I don't think you have any.

• 33:30Speaker 03

  I really don't.

• 33:32Caleb Hammer?

  Who do you watch?

• 33:33Speaker 03

  Who do I watch? What do you mean?

• 33:36Caleb Hammer?

  What content? You guys are wa- you guys are picking up things.

• 33:39Speaker 03

  Watch you.

• 33:39Caleb Hammer?

  Okay, but I don't go around doing that. This isn't a racist show.

• 33:44Speaker 04

  No, you make fun of everyone.

• 33:46Caleb Hammer?

  Yes, but I don't call them blackies.

• 33:48Speaker 04

  I don't understand why it's so bad. You're like, if you make fun of everyone, same is bad. It's like the same thing.

• 33:56Caleb Hammer?

  No, but the only people that are offended by today are like the crybaby freaks. So we don't really care about them.

• 34:01Speaker 03

  You ever seen Family Guy?

• 34:02Caleb Hammer?

  Yes.

• 34:03Speaker 03

  It's like that. They make fun of everyone and it's funny. It's allowed.

• 34:06Caleb Hammer?

  They're gonna stick on, that's gonna be their talking point to get them out of what they did.

• 34:10Speaker 03

  I mean, come on.

• 34:11Caleb Hammer?

  I feel like you guys are just a little nervous of embracing it now. Now that you've realized that you're on camera.

• 34:16Speaker 03

  I knew.

• 34:17Caleb Hammer?

  There it is. There it is. He just said, I'm on a live show. It's not live, but.

• 34:21Speaker 03

  That's why you won't say it right now.

• 34:22Caleb Hammer?

  No, cuz I don't, am I, we make jokes off camera all the time. Have I ever called anyone actual racial source?

• 34:28Speaker 03

  I've never called anyone that.

• 34:30Caleb Hammer?

  You guys are throwing ends in the house. I mean, come on, just that alone.

• 34:33Speaker 07

  Yeah, I'm only his translator, bro. I can't, I can't do that, sorry.

• 34:36Caleb Hammer?

  Yeah, that's crazy.

• 34:37Speaker 03

  Can't do one?

• 34:38Caleb Hammer?

  We don't say ends. We don't say ends.

• 34:42Speaker 03

  Well.

• 34:43Caleb Hammer?

  As someone who's a big joke guy. I go to the comedy mothership, lots of white comedians there. I've never heard them say the end. And they're like the edgy comedians.

• 34:52Speaker 04

  Yeah, but you don't call someone that word is what I'm saying.

• 34:55Caleb Hammer?

  Trust me.

• 34:56Speaker 04

  Otherwise it's just a word.

• 34:58Caleb Hammer?

  The audience, they wouldn't be calling anyone that.

• 35:01Speaker 04

  I'm just saying.

• 35:03Caleb Hammer?

  Okay, thank you.

• 35:03Speaker 04

  If you take away the meaning.

• 35:04Caleb Hammer?

  You, you say this on the day his mother visits the office.

• 35:08Speaker 03

  Your mom's here.

• 35:09Caleb Hammer?

  Yeah, and you won't see her. You're gonna flinch her.

• 35:12Speaker 03

  Whoa.

• 35:12Speaker 04

  It's crazy.

• 35:13Caleb Hammer?

  I'm protecting her. I'm protecting her. He's the bad man.

• 35:17Speaker 03

  I'm the bad man. She said it.

• 35:23Speaker 03

  What? How am I at fault here?

• 35:26Speaker 05

  That's a nude egg I won from my game. I'm not in trouble at all.

• 35:31Caleb Hammer?

  Okay, thank you Tyler. Thank you Tyler. We love Tyler.

• 35:34Speaker 03

  Am I wrong?

• 35:35Caleb Hammer?

  Lindo. I am at rea- real Lindo? I am Lindo. I am Lindo on Twitch. Okay, you guys are racist, just embrace it, it's okay.

• 35:45Caleb Hammer?

  Come on like you're not. Come on like you're not. Come on. Be real.

• 35:51Speaker 04

  I don't think I am, actually.

• 35:52Caleb Hammer?

  What?

• 35:53Speaker 03

  Actually, I know she is.

• 35:54Caleb Hammer?

  Yes, thank you.

• 35:55Speaker 04

  I don't think I am.

• 35:56Speaker 03

  We both are.

• 35:57Speaker 04

  Because I make fun of everybody.

• 35:59Caleb Hammer?

  Thank you. She's trying to cope it with jokes. She's trying to cope with jokes. You guys are racist. You guys live in the deep white suburbia of Dallas. You guys are racist.

• 36:06Speaker 03

  It's not that white, though.

• 36:07Caleb Hammer?

  I mean, it's, it's fine. I'm allowing it.

• 36:09Speaker 03

  You ever been to Dallas?

• 36:10Caleb Hammer?

  I don't embrace it, yeah, a few times, but...

• 36:12Speaker 03

  It's not a lot of white people anymore.

• 36:14Caleb Hammer?

  Yeah, not in Dallas, but I'm sure in Greenville.

• 36:16Speaker 03

  In Greenville?

• 36:17Caleb Hammer?

  Well, I don't know. Okay. I mean, I don't know how to get you guys to honestly be able to afford this uh, thing. I, I really don't. This doesn't make sense. This, it doesn't make sense. Don't do this honeymoon.

• 36:31Speaker 04

  We need to.

• 36:31Caleb Hammer?

  Please, you don't need to.

• 36:33Speaker 04

  We do.

• 36:34Caleb Hammer?

  I don't want to talk in circles around this.

• 36:35Speaker 03

  I'm all for going on a honeymoon, but 20K is ridiculous.

• 36:38Caleb Hammer?

  That's ridiculous.

• 36:39Speaker 03

  Same with the wedding.

• 36:40Caleb Hammer?

  You can do.

• 36:40Speaker 03

  I don't want to pay for that shit.

• 36:43Caleb Hammer?

  With your guys' income, I don't know if you will be able to trad wife, but you can have a lot of really nice vacations in the rest of your life. You can afford, avoid all the minorities you want. You can go to the whitest places. Northern Europe, it's just absolute peace and quiet.

• 36:58Speaker 04

  No.

• 36:58Caleb Hammer?

  Okay. Interesting counterpoint. I, I, I don't know what to do then. I don't know what to do then, guys. Because if you're not willing to back that, back off that, while you're try- I can't get you to trad wife them, stay at home on this income, and 20,000 out of vacation.

• 37:13Speaker 04

  Yeah, because he needs to make more.

• 37:15Speaker 03

  That's what I try and say.

• 37:16Speaker 04

  He needs to be the man.

• 37:17Speaker 03

  But whenever I bring it up.

• 37:18Caleb Hammer?

  Yeah, but we established even plumbing, it'll take like five years for him to get to that full income. So we don't get to do the 20K now. Can we do a 20K trip? In the future, do a smaller honeymoon now? Because, listen, the thing I can get you-

• 37:30Speaker 04

  Then we will have kids, and I don't want to take kids on a trip like that.

• 37:33Caleb Hammer?

  No, get your grandparents to watch them.

• 37:35Speaker 04

  I don't know if they would do that.

• 37:36Caleb Hammer?

  They wouldn't? Your parents don't love you guys? They won't love your grandparents? Are you guys not close to them?

• 37:41Speaker 03

  I think they would watch it.

• 37:41Caleb Hammer?

  I thought you said you would. Won't they?

• 37:43Speaker 04

  Maybe for, I don't know, a week?

• 37:45Caleb Hammer?

  And then they get racist later. It happens every time.

• 37:47Speaker 04

  I'm almost asexual, like, if anything... Well, I'm just saying, you're saying that, but I'm like, I'm closer to that-

• 37:54Caleb Hammer?

  I'm sorry, buddy.

• 37:55Speaker 04

  -than-

• 37:56Speaker 03

  I mean, we still- Still do it?

• 37:59Speaker 04

  No, I'm just saying, you're saying-

• 38:01Speaker 03

  Like, maybe once, twice a week?

• 38:03Speaker 04

  Yeah.

• 38:04Caleb Hammer?

  Oh, okay.

• 38:04Speaker 04

  No, but I'm just saying, you're saying I'm getting railed.

• 38:06Caleb Hammer?

  Okay, I was f***ing with you. Calm down. My goodness. Freak.

• 38:12Speaker 04

  Cause I'm anti, anti everything like that.

• 38:14Caleb Hammer?

  Anti what? Okay? RIP to you? Do you watch porn?

• 38:21Speaker 03

  No.

• 38:22Caleb Hammer?

  At all?

• 38:22Speaker 03

  No.

• 38:23Caleb Hammer?

  Ever?

• 38:23Speaker 03

  No.

• 38:25Speaker 04

  At least to human trafficking.

• 38:26Speaker 03

  Before, maybe, but-

• 38:28Caleb Hammer?

  I don't think every-

• 38:29Speaker 04

  A lot of it. They're getting human trafficked.

• 38:31Caleb Hammer?

  Yeah, there's probably some bad stuff, but I don't think every-

• 38:34Speaker 04

  Maybe not every single, but it's really bad.

• 38:38Caleb Hammer?

  Ones that just the creator themselves makes, I don't know. I'm not saying you should pay for it either, I mean, it can be damaging and unhealthy for many people, many men especially, but like, there's also okay consumption if you can manage it, just like anything, just like you at the casino.

• 38:52Speaker 03

  So you recommend paying for-

• 38:53Caleb Hammer?

  No, I just said, probably not paying, but-

• 38:56Speaker 03

  Well, you said, like, cause you said for people who created themselves.

• 38:59Caleb Hammer?

  Give me your phone.

• 39:00Speaker 03

  My phone?

• 39:01Caleb Hammer?

  Uh huh.

• 39:01Speaker 03

  Why?

• 39:02Caleb Hammer?

  Give me your phone.

• 39:02Speaker 03

  Why?

• 39:03Caleb Hammer?

  Let me see it.

• 39:05Speaker 03

  Why?

• 39:06Caleb Hammer?

  Cause I'm gonna snoop.

• 39:06Speaker 03

  You can see her phone.

• 39:07Caleb Hammer?

  No, I wanna see your phone. Guy that doesn't watch his-

• 39:10Speaker 03

  I don't.

• 39:11Caleb Hammer?

  Okay, give me your phone.

• 39:12Speaker 03

  No, you can see hers.

• 39:13Caleb Hammer?

  Hmm, damn, mhm.

• 39:17Speaker 04

  Why would you- Why are you hiding?

• 39:18Caleb Hammer?

  Yeah, why wouldn't you let me look at your phone?

• 39:20Speaker 04

  Why the f*** are you not giving him-

• 39:21Speaker 03

  I just, I don't want that, I don't want that right now.

• 39:23Caleb Hammer?

  Don't want that right now?

• 39:25Speaker 04

  What the f*** is wrong with you?

• 39:25Speaker 03

  I don't want it right now.

• 39:26Speaker 04

  Why are you not giving him your phone?

• 39:28Speaker 03

  No, not, not right now. Maybe, maybe-

• 39:30Speaker 04

  What is wrong with you?

• 39:31Caleb Hammer?

  Yeah, that's, dude, that's sketch.

• 39:33Speaker 03

  Maybe later.

• 39:34Caleb Hammer?

  No, give me your phone.

• 39:35Speaker 03

  No, not right now.

• 39:35Caleb Hammer?

  Why?

• 39:36Speaker 03

  Cause-

• 39:36Caleb Hammer?

  Give me a good reason.

• 39:38Speaker 03

  A good reason?

• 39:38Caleb Hammer?

  Yes.

• 39:39Speaker 03

  Uh, I mean, I guess there's there's no good reason.

• 39:43Caleb Hammer?

  Cause you watch-

• 39:44Speaker 03

  No.

• 39:44Caleb Hammer?

  Come on.

• 39:45Speaker 03

  I don't.

• 39:45Caleb Hammer?

  I'm not gonna look for anything else, only-

• 39:48Speaker 03

  Only-

• 39:48Caleb Hammer?

  Yeah, and if you don't watch, then you don't have to be worried.

• 39:52Speaker 03

  I mean-

• 39:56Speaker 03

  Sure.

• 39:58Caleb Hammer?

  Ah, good. Enough pressure, enough caving.

• 40:04Speaker 03

  Yep.

• 40:06Caleb Hammer?

  Now Android not as familiar.

• 40:08Speaker 03

  Good.

• 40:09Caleb Hammer?

  And just if he watches, doesn't mean he's a bad guy. Just gonna let you know, okay?

• 40:12Speaker 04

  Oh, he would be. That's like almost cheating.

• 40:16Speaker 03

  She's like not a big fan at all.

• 40:17Caleb Hammer?

  Okay, why don't you go ahead and log in since there is an email address associated with only...

• 40:24Caleb Hammer?

  It's your Hotmail email.

• 40:25Speaker 03

  Which email?

• 40:25Caleb Hammer?

  Never mind. The password auto-filled. It didn't do like a Face ID.

• 40:29Speaker 03

  What email?

• 40:30Caleb Hammer?

  Believe this.

• 40:30Speaker 00

  Stupid idiot moron at hotmail.com.

• 40:33Speaker 03

  That is my email.

• 40:34Caleb Hammer?

  Yes, that's why it auto-filled. So, it's auto-filled.

• 40:37Speaker 04

  That's actually crazy.

• 40:42Speaker 04

  It better be before.

• 40:43Speaker 03

  Why'd that happen? Are you sure that tab's not old?

• 40:44Caleb Hammer?

  It's not. I went to the website. But it auto-filled.

• 40:48Speaker 03

  What do you mean auto-filled?

• 40:50Caleb Hammer?

  Your login information.

• 40:51Speaker 04

  Are you logged into an account?

• 40:54Speaker 03

  I don't even have an account. I really don't. And if there is one, I don't know the password.

• 40:58Caleb Hammer?

  Uh huh.

• 40:59Speaker 04

  That's wild.

• 41:00Caleb Hammer?

  Sure.

• 41:01Speaker 03

  I'm being for real.

• 41:02Caleb Hammer?

  He's being for real.

• 41:03Speaker 04

  Are you in an account?

• 41:05Caleb Hammer?

  I'm clicking around and learning things.

• 41:09Caleb Hammer?

  We're just, you know, looking. So far, the Reddit is clean. I'll give you the clean bill of health on Reddit. Not a [BLEEP] though.

• 41:20Caleb Hammer?

  Okay, besides the [BLEEP] thing, the rest was relatively clean. I'll look at his search history in the post-show just to be extra safe.

• 41:30Caleb Hammer?

  Thoughts on the [BLEEP] situation?

• 41:32Speaker 03

  I really didn't.

• 41:33Speaker 04

  If you actually have an account, that's going to be a problem.

• 41:36Caleb Hammer?

  Well, yeah.

• 41:37Speaker 03

  It's probably old.

• 41:38Caleb Hammer?

  My...

• 41:39Speaker 04

  If it's old, that's okay. But I'm like...

• 41:41Caleb Hammer?

  But not before you guys were together. I don't think it's gonna auto-fill three years later. I mean, that would be pretty...

• 41:47Speaker 03

  It might. Like cookies and cash?

• 41:50Caleb Hammer?

  Man, I don't know. That's a brutal one.

• 41:52Speaker 03

  It's gotta be old.

• 41:52Speaker 04

  That's crazy.

• 41:53Caleb Hammer?

  So honestly, I'm gonna, to read the situation with what you're doing, I know you guys are getting married. You've been together for a while. You seem more interested in turning him into the man you want instead of actually finding the man you want. Seems like you're trying to construct him into someone. Why not? I don't know, you'd probably be a weird incel loser without her, so maybe, maybe that's why you're afraid of leaving.

• 42:13Speaker 03

  I don't think I'd be an incel.

• 42:14Caleb Hammer?

  Loser?

• 42:14Speaker 04

  I feel like you would.

• 42:15Caleb Hammer?

  Huh?

• 42:16Speaker 04

  Possibly. I think maybe.

• 42:17Speaker 03

  No way.

• 42:18Speaker 04

  You were a loser when you were living with your brother. I mean, being a pothead, playing video games all day.

• 42:26Speaker 04

  The brother pushing for unemployment.

• 42:28Speaker 03

  I was never gonna do that.

• 42:30Speaker 04

  I'm just saying, that's not... You didn't have a job.

• 42:33Speaker 03

  Playing video games, chilling.

• 42:35Caleb Hammer?

  I mean, I'm being told his family thinks he's completely changed, and that you blame him, or they blame you, for changing him and ruining him, and that you've made him give up almost everything he likes to become the man you want. Like, that's kind of weird, man.

• 42:51Speaker 04

  He needs to be successful in life.

• 42:54Caleb Hammer?

  Sure, but he's allowed to also enjoy some video games and...

• 42:57Speaker 03

  Exactly.

• 42:58Caleb Hammer?

  Friends and stuff like that. He doesn't have to...

• 43:00Speaker 04

  Well, he doesn't have friends here. They're in Colorado.

• 43:02Caleb Hammer?

  Okay, so maybe he wants to game with them.

• 43:04Speaker 03

  Exactly.

• 43:04Speaker 04

  He does.

• 43:05Caleb Hammer?

  He does?

• 43:06Speaker 03

  I don't get a lot of that anymore.

• 43:08Speaker 04

  Like, one or two days a week.

• 43:10Caleb Hammer?

  Aw. That's it? Why do you control him so much? And what is he allowed to do in those one or two days a week?

• 43:15Speaker 04

  He games all night.

• 43:16Speaker 03

  Some... Not all night.

• 43:17Caleb Hammer?

  And you've banned his brother and sister-in-law from the wedding as well.

• 43:20Speaker 04

  What? Sister-in-law? No.

• 43:21Caleb Hammer?

  Yeah.

• 43:22Speaker 04

  No, I love the sister.

• 43:23Caleb Hammer?

  Oh, sorry. Brother and sis... Oh, okay, but brother?

• 43:27Speaker 03

  I do have a brother.

• 43:28Speaker 04

  Oh, I mean...

• 43:29Speaker 03

  And his wife?

• 43:29Speaker 04

  Not his sister, like, the brother's wife, yes.

• 43:33Caleb Hammer?

  How do you feel about this? She's, like, owned you. She's changed your life. She's banning family.

• 43:38Speaker 03

  It's gotten a lot better.

• 43:40Caleb Hammer?

  How's it getting better? She's banned your brother.

• 43:42Speaker 03

  I mean...

• 43:43Speaker 04

  He tried to sue him.

• 43:45Speaker 03

  Yeah, he did.

• 43:46Speaker 04

  He tried to sue them.

• 43:47Speaker 03

  I'm not too big of a fan of him anymore.

• 43:48Caleb Hammer?

  Okay, well, maybe that one's the best, then.

• 43:51Speaker 03

  About the other stuff, I do wish I had a little more freedom, for sure.

• 43:56Speaker 04

  I don't think freedom is good. Not when you're smoking a bunch of weed and baking.

• 44:00Caleb Hammer?

  Sure, but allow him to have some fun, and also, like, hitting a joint here and there. Like, I don't do it, it makes me anxious, but... I'm not, like, horribly opposed. Is he baking all day? Then, yeah, that would be kind of... That would be bad.

• 44:09Speaker 04

  I just think weed is horrible.

• 44:10Speaker 03

  It's why I drink now.

• 44:11Caleb Hammer?

  I mean, it smells gross, but... Yeah, so you're okay with him drinking?

• 44:15Speaker 04

  Yeah.

• 44:15Caleb Hammer?

  What? Okay, make that make sense then.

• 44:17Speaker 03

  I used to never drink.

• 44:18Caleb Hammer?

  Come on.

• 44:18Speaker 03

  And I quit weed and now I drink.

• 44:20Caleb Hammer?

  Make that make sense.

• 44:21Speaker 04

  There's studies that are coming out that like smoking weed is so bad for your brain.

• 44:25Caleb Hammer?

  Yes, but also there is not one actual real scientific study that says any amount of alcohol is good for you.

• 44:31Speaker 04

  I know, but I'm just saying.

• 44:32Caleb Hammer?

  Like it's all, it's just there's one drop is bad.

• 44:34Speaker 04

  Personality, it's not good.

• 44:36Caleb Hammer?

  So you put him on alcohol? One of the most addictive substances on the planet?

• 44:40Speaker 04

  Well, obviously I want him to drink less.

• 44:41Speaker 03

  Yeah, she thinks I drink a lot.

• 44:43Caleb Hammer?

  Oh, she does? Great. Oh, wonderful. How much is being drank?

• 44:45Speaker 03

  Well, I don't know. I'll have, if I'm gaming, which is usually like Tuesdays and Fridays, I'll have like

• 44:52Speaker 03

  seven, eight beers.

• 44:53Caleb Hammer?

  What the f- that's crazy. So you actually might be right then.

• 44:57Speaker 04

  Yeah, that's a lot.

• 44:59Caleb Hammer?

  We're assuming we're gonna become this country. That's an insane amount for a single sitting.

• 45:03Speaker 03

  What's normal? For a single sitting?

• 45:05Caleb Hammer?

  A couple beers?

• 45:06Speaker 03

  So you go out to the bar and you have what, two beers?

• 45:07Caleb Hammer?

  I don't drink, but a couple beers would be normal. Yeah, if you're getting shitfaced, that's insane.

• 45:12Speaker 03

  I'm not getting shitfaced.

• 45:13Speaker 04

  Because it's so high.

• 45:15Caleb Hammer?

  Eight beers is insane.

• 45:17Speaker 04

  But it's also his tolerance is so high.

• 45:18Caleb Hammer?

  Because he drinks so much.

• 45:19Speaker 04

  Yeah.

• 45:21Speaker 03

  Well, if I could smoke a little weed, I wouldn't drink as much.

• 45:25Speaker 04

  I just think substances are bad.

• 45:27Caleb Hammer?

  Why can't try to construct a dream man? What is he providing that you seem to really want to construct him into? Versus you going in, like, I think, I don't know. I mean, show me your Instagram.

• 45:40Speaker 04

  I don't really have followers on there.

• 45:41Caleb Hammer?

  I thought, it's not about that. I don't care.

• 45:43Speaker 04

  Okay.

• 45:46Caleb Hammer?

  Cause he got tits, but I can't tell if you're fat or not.

• 45:50Caleb Hammer?

  Okay, you're not fat. You're not fat. You could probably go get, yeah, there's a bathing suit picture. She's attractive. You could probably go get most men. Like, I mean.

• 46:00Speaker 03

  She's brought it up before.

• 46:01Caleb Hammer?

  The ugly.

• 46:01Speaker 04

  I have not brought that up.

• 46:03Speaker 03

  Yes, you have.

• 46:04Speaker 04

  Well, that I could get someone better?

• 46:05Caleb Hammer?

  My girlfriend's friends in town, she's been on Bumble for a week here. She got 4,000 likes. Like you guys have the ultimate W in the dating pool now. Everything's been engineered for women.

• 46:15Speaker 04

  I've heard that dating is so bad now.

• 46:17Caleb Hammer?

  It is, but you could seriously with the selection you have, find the dream man. You really could. Why put up with, you are a loser, a loser.

• 46:26Caleb Hammer?

  Why try to construct him into something?

• 46:27Speaker 03

  I don't think I'm a loser though.

• 46:28Caleb Hammer?

  Like you're genuinely a pretty attractive person. I, you know, I, it doesn't matter if it's not my type, that's whatever, but I can tell you would do well. Okay. I could tell you would do well. You got tits and you're not fat. And honestly, men want based women today. It just kind of is where it is.

• 46:50Caleb Hammer?

  So why? I'm confused. Why you want to do this?

• 46:52Speaker 04

  Cause I love him.

• 46:53Caleb Hammer?

  Why? What do you, well, why? What are you seeing?

• 46:55Speaker 04

  His personality and-

• 46:57Caleb Hammer?

  What about it? The personality, everything you've complained about. He's lazy. He has no ambition. He drinks, he smokes, he's a loser. What's the personality like?

• 47:04Speaker 04

  I don't know. He's goofy.

• 47:06Speaker 03

  It's actually a good question.

• 47:07Caleb Hammer?

  No, you know what it is? I'm being told you wanted marriage at 18. You're just rushing in like the first dude to pick you up. Because you have this dream of this ultimate trad life them. That's what you want and you've rushed into a dude that honestly might be a loser.

• 47:21Speaker 03

  I do feel like you kind of robbed me of my early years.

• 47:23Caleb Hammer?

  Okay, that's going to hold resentment over your long life. What the? That's insane.

• 47:28Speaker 03

  I mean, I do feel like we're going fast.

• 47:30Speaker 04

  That's why I worry.

• 47:31Speaker 03

  We're gonna get married next year and I mean-

• 47:33Caleb Hammer?

  I'm with him. You broke with, with, you broke up with him before because he was partying too much. But you immediately got back with him, so it didn't even matter. I have an exclusive offer just for you, but there's only one week left to purchase. For a one-time payment of $500, you'll get our entire Hammer Elite catalog for life. And a limited edition Hammer for Life box packed with limited edition merch you can't get anywhere else. Plus you'll get access to our exclusive four-hour Hammer Elite day livestream on June 27th. Plus, I just launched the brand new Hammer Elite app available on every major platform. You'll get three exclusive dedicated shows every single day, Monday through Saturday.

• 48:14Caleb Hammer?

  And to celebrate the app launch, I'm offering 30% off the annual plan in the month of June only. Download the Hammer Elite app by using the link in the description or pin comment below. This is the best membership you'll ever join and that's a promise. If you or your child spent years growing up on social media and experienced serious mental health struggles, you should hear this. Recently, a jury ordered Meta and YouTube to pay millions for their role in designing and promoting addictive platforms. They knew their apps could contribute-

• 48:44Speaker 00

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• 49:09Caleb Hammer?

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• 49:34Caleb Hammer?

  Why? Why are you trying to change someone instead of finding someone that's better for you? I know you've been with him a while, so you probably have some sunk cost. Well, what do you love about his personality?

• 49:44Speaker 04

  Hold on.

• 49:45Caleb Hammer?

  Huh?

• 49:45Speaker 04

  Hold on.

• 49:46Caleb Hammer?

  Huh?

• 49:49Caleb Hammer?

  Oh, cry? I can comfort you or yell at you once I know what you're crying about.

• 49:55Speaker 04

  It's just very real, what you're talking about.

• 49:59Caleb Hammer?

  Well, yeah, it's your life, dude. He is a loser. I'm not trying to get people to break up, but maybe you guys aren't the match. And honestly, I, it's not that I'm not advocating for you guys to break up because I don't know you enough for that yet. But with everything you're saying you want and everything you're saying he is, you guys are 23 and 21. If there's a time to figure out that maybe you guys aren't ready, if you guys aren't the match for life, that age is kind of the best age you do. At least you're not doing it mid 50s.

• 50:27Speaker 04

  Yeah.

• 50:28Caleb Hammer?

  Wouldn't you rather figure that out now? Especially before $30,000 marriage.

• 50:33Speaker 03

  I don't know. I feel like we're both scared to leave each other.

• 50:35Caleb Hammer?

  And why?

• 50:36Speaker 03

  I don't, I don't know.

• 50:37Caleb Hammer?

  Okay, you, if you're gonna drop that, you have to give me some insight.

• 50:41Speaker 04

  Failure.

• 50:42Speaker 03

  Failure. Being alone.

• 50:44Speaker 04

  Being alone, failure.

• 50:45Caleb Hammer?

  Okay, neither of you are gonna be alone. You're both attractive and you're both successful relatively. Again, you're both gonna be fine.

• 50:53Caleb Hammer?

  You're both gonna do well in the dating market. You won't be

• 50:57Speaker 01

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• 51:26Caleb Hammer?

  Go for one. Okay. Easier for you because you're a woman. This is how it is right now. But you'll, you'll be fine too. So that's our.

• 51:36Caleb Hammer?

  Is that what's preventing someone from making a move?

• 51:40Speaker 04

  I mean, I never think about it, but

• 51:42Caleb Hammer?

  You are now.

• 51:43Speaker 04

  When things get real, I mean,

• 51:45Caleb Hammer?

  It is real. This is the rest of your life.

• 51:47Speaker 03

  I've thought about it.

• 51:49Caleb Hammer?

  Why? Tell me.

• 51:50Speaker 03

  I mean, it's just, it's scary. I don't know if I could give her what she wants. I don't know if I could be the man she wants.

• 51:57Speaker 03

  Do I want that really?

• 51:59Speaker 04

  I don't think he wants it.

• 52:00Speaker 03

  Want to be married early?

• 52:00Caleb Hammer?

  I don't think he wants it. And that's okay. He doesn't have to. But you guys shouldn't force each other into the lives that each other demand.

• 52:08Speaker 04

  Yeah.

• 52:10Caleb Hammer?

  Like that's not, that's not healthy.

• 52:14Caleb Hammer?

  That's not healthy.

• 52:16Speaker 04

  Yeah.

• 52:17Caleb Hammer?

  I'm sure you guys enjoy some things together. I'm sure you have some

• 52:22Caleb Hammer?

  things you do mesh on. I'm sure you enjoy the travel together. I'm sure your guys' families are okay together. But if you're trying to reconstruct each other to fit a perfect mold, it might not be the right match. And that's okay. You don't have to be. Maybe you guys are great friends. That but like

• 52:40Speaker 03

  I think that's why we travel so much. Cause it's, it's paradise. It's hard to be mad at each other. It's hard to

• 52:46Caleb Hammer?

  How often are you guys mad at each other?

• 52:47Speaker 03

  Not, not really often, but

• 52:49Speaker 04

  We also don't talk about anything real. So it's like, when can you

• 52:53Caleb Hammer?

  To avoid that conflict?

• 52:54Speaker 04

  I mean, maybe, I don't know. Cause I feel like he's just getting resentful. And it's like, I've always known what I want and I've always told him what I wanted.

• 53:03Caleb Hammer?

  But he's not that. So why would you make that him? And why would you stick around for that? I like, I'm sorry. Why would you just allow resent to build and then waste their time?

• 53:12Speaker 03

  I mean, I, I feel like it'll be a more fulfilling life than what?

• 53:16Caleb Hammer?

  Sure, but you don't do anything and also you're resentful because you just want to game with the boys and down eight beers.

• 53:19Speaker 03

  I'm not resentful.

• 53:20Caleb Hammer?

  Dude, you're gaming with the boys down in eight beers.

• 53:22Speaker 04

  I think you are resentful.

• 53:23Caleb Hammer?

  You don't want to do this other job.

• 53:25Speaker 04

  Like, I've taken away your young years, which I don't even think like.

• 53:29Speaker 03

  It's just a thought. It's just a thought.

• 53:31Speaker 04

  Yeah, but if you're thinking it, you're just not saying it.

• 53:33Speaker 03

  You have never thought of anything?

• 53:35Speaker 04

  No, because I want to get married. I want to settle down.

• 53:38Speaker 03

  I know, but you've never thought about it might be better?

• 53:41Speaker 04

  I mean, sometimes because I'm like, maybe I wouldn't have to push so bad for someone to excel.

• 53:47Caleb Hammer?

  Yeah, she shouldn't have to be like a little push here. There's okay, but if she's having to relentlessly push you to try to have any kind of ambition, that's someone who's never going to have ambition.

• 53:57Speaker 04

  That's what my mom says.

• 54:00Caleb Hammer?

  That's...

• 54:05Caleb Hammer?

  How does that make you feel? And your mom's right on that, by the way. And that's okay. Also, you don't have to have ambition. That's your life. If you're, you don't have a bad job. If you want to settle at that job, that's okay. There's nothing wrong with that. But again, maybe it just means you guys are not a match and that is okay.

• 54:21Speaker 03

  I mean, it's nothing I don't know. Like her mom, I know she feels that way. I think she likes me to some, some degree, but.

• 54:28Caleb Hammer?

  Does she?

• 54:29Speaker 03

  I mean.

• 54:29Speaker 04

  She likes how much like he's grown. Yes. And she sees the potential.

• 54:35Caleb Hammer?

  But all through your push?

• 54:37Speaker 04

  Probably, yeah, because I've pushed for everything.

• 54:39Caleb Hammer?

  Okay, yeah, I guess her mom has a lot of opinions, so we might call in the post show and see what she actually thinks about Mr. Scott over here.

• 54:47Caleb Hammer?

  Guys, like, I don't know. I guess I'll do the financial audit for the house, but I think we're learning something big here. I, I'm not advocating for the breakup.

• 54:54Speaker 03

  I just think as fast as we're going.

• 54:57Caleb Hammer?

  Come on, you guys have been together for three years. That's not necessarily fast.

• 55:00Speaker 03

  No, but I'm like, but then right after having kids and you don't have the income for it, like.

• 55:06Caleb Hammer?

  What? No, you guys have the income for it.

• 55:08Speaker 03

  But she wants to be a tried wife, which is cool.

• 55:10Caleb Hammer?

  Okay, you guys might not have a perfect income for that.

• 55:12Speaker 04

  I know. I would want to work from home until you build up to that because I know with plumbing.

• 55:17Caleb Hammer?

  Well, there you go. Are you work from home now?

• 55:19Speaker 04

  Uh, hybrid.

• 55:21Caleb Hammer?

  Okay, would they let you?

• 55:22Speaker 04

  Possibly, yeah.

• 55:23Caleb Hammer?

  Okay. Okay. Um, because yes, you objectively make enough to have like a ten kid household happily.

• 55:33Speaker 04

  Ten kids, wild.

• 55:34Caleb Hammer?

  No, it's wild. I'm not saying that. I'm saying your financial situation. People are doing Ted Kinn's on the farmstead, homesteads. Making nothing. They were starving.

• 55:45Speaker 03

  Times are different now.

• 55:46Caleb Hammer?

  Yes.

• 55:47Speaker 03

  You're saying right now?

• 55:48Caleb Hammer?

  Your time is you make 120,000 hours a year. You'll, they're gonna live a good life.

• 55:54Speaker 03

  That'll be cut in half.

• 55:55Caleb Hammer?

  How many kids you want?

• 55:56Speaker 04

  Um, just two.

• 55:57Caleb Hammer?

  No, she said she's working remote until you build up.

• 55:59Speaker 03

  Well, right, but.

• 56:00Caleb Hammer?

  And do three so that you're actually adding to society.

• 56:03Speaker 03

  Three?

• 56:04Caleb Hammer?

  Yes, please.

• 56:04Speaker 04

  Cause of the baby decline.

• 56:06Caleb Hammer?

  People are f***ing enough.

• 56:08Speaker 04

  Yeah.

• 56:09Caleb Hammer?

  We need kids.

• 56:11Caleb Hammer?

  Else we got a lot of more brown people, which is really gonna upset you.

• 56:15Caleb Hammer?

  I bet he has opinions on H1Bs, especially in Dallas, am I right, guy?

• 56:19Speaker 03

  Oh, yeah.

• 56:20Caleb Hammer?

  I wish I could get him to talk. I'm so curious. Uh oh, she said the magic word.

• 56:24Speaker 03

  What'd you say?

• 56:25Speaker 04

  See?

• 56:25Caleb Hammer?

  She said Frisco.

• 56:26Speaker 03

  Oh, yeah. Frisco, Texas.

• 56:27Speaker 04

  Well, H1Bs, that's Frisco.

• 56:29Speaker 03

  Oh, yeah. I don't go there that often. I don't like that place.

• 56:33Speaker 04

  I love Frisco.

• 56:33Caleb Hammer?

  Isn't Frisco super nice?

• 56:35Speaker 04

  Frisco's really nice.

• 56:36Caleb Hammer?

  It's just like, it's super nice.

• 56:37Speaker 03

  It's overrunning.

• 56:38Caleb Hammer?

  It's where the soccer stadium is, where's, that's where the Cowboys HQ is.

• 56:42Speaker 04

  I would live in Frisco.

• 56:43Speaker 03

  Have you been there recently?

• 56:44Caleb Hammer?

  No, but also, listen, I, okay, what about it?

• 56:48Speaker 03

  Come on, what about it? Look anything, look, look up Frisco, Texas.

• 56:52Caleb Hammer?

  They're not dangerous.

• 56:53Speaker 03

  They're not dangerous.

• 56:55Caleb Hammer?

  So why not go there?

• 56:57Speaker 03

  It's.

• 56:57Caleb Hammer?

  Get yourself some tikka masala.

• 56:59Speaker 04

  Oh, I love that.

• 57:00Speaker 03

  I don't really like the food.

• 57:00Caleb Hammer?

  Yes, okay, she has, okay, she's, she's gaining, she's, she's winning me back.

• 57:05Speaker 04

  Well, I got him to try Thai food yesterday, cause.

• 57:08Caleb Hammer?

  You've never had Thai food at 23?

• 57:10Speaker 04

  Well, he won't eat the curry usually.

• 57:12Speaker 03

  It's pretty good.

• 57:13Caleb Hammer?

  What? Thai food's so f*** good.

• 57:15Speaker 04

  It's so good.

• 57:16Speaker 03

  Figured that out. Figured that out.

• 57:18Caleb Hammer?

  Buddy, okay, you're actually racist.

• 57:20Speaker 04

  He won't eat Indian food.

• 57:21Caleb Hammer?

  She may have been joking, dude, you won't go to Frisco, the same, like, I get it. We can have complaints about maybe September, like some cultural things, we could have complaints about H1B visa process, we can have complaints about border processes, we can get that, but.

• 57:34Speaker 03

  I'm sure you avoid certain areas in Austin.

• 57:36Caleb Hammer?

  But not places like Frisco. Frisco is objectively a nice place, a safe place.

• 57:42Speaker 03

  It's nice, sure, and it's safe, yes.

• 57:44Caleb Hammer?

  So why avoid? That makes no sense.

• 57:46Speaker 03

  I don't avoid it. I'll go there. I'm not a fan of it.

• 57:48Caleb Hammer?

  He said avoid, he said avoid.

• 57:49Speaker 03

  No, I didn't.

• 57:50Caleb Hammer?

  Yes, he did. Did he say it? I heard it.

• 57:51Speaker 04

  I think he did.

• 57:52Caleb Hammer?

  Did he say it? Yes, everyone's saying yes.

• 57:54Speaker 03

  You said it's my bad. I will go there. I'm just not a big fan.

• 57:57Speaker 04

  About being clean.

• 57:58Caleb Hammer?

  Why aren't you a big fan?

• 57:59Speaker 04

  OCD, probably, like about being clean.

• 58:01Speaker 03

  There's a whole lot of people, a lot of population.

• 58:03Caleb Hammer?

  It's such a clean area. It's a clean area.

• 58:06Speaker 04

  It is a clean area.

• 58:07Caleb Hammer?

  It's walkable, clean, some walkable. Clean?

• 58:09Speaker 04

  I'm sad about like Texas not being walkable, though.

• 58:12Caleb Hammer?

  Hold on, she's winning me back here.

• 58:15Speaker 03

  The architecture is ass.

• 58:16Caleb Hammer?

  Girl, marry me and my girlfriend. Join us. We will provide you babies and everything you want. And we're rich and not losers. He sucks and we live in a walkable area. Okay.

• 58:29Caleb Hammer?

  We got your life. And yes, you know what? I invite some black people over to my house. You'll just have to hide for that. And then it'll be okay. Um, okay. I do want to head into the money part. I just honestly, I don't, I really don't know if you guys should actually be together. I'm gonna, I'm being candid in that. Like, okay, yeah, we're joking a lot. Um, I'm sure you guys actually really like each other and love each other and have good things and get along and enjoy the travels and, you know, life won't be horrible. But if there's resentment building and if you're having a recon, if you, you do not have the same life paths and what you want in life. Just be very clear in that and that's fine. And you might have gone along with it, but

• 59:10Caleb Hammer?

  I think you guys might be good friends and might be a okay match. I don't think you guys are maybe the right match because if you guys are not together in what you want for life and you have to endlessly push each other to be someone that you're not, that's not a forever life match and that's okay. That is not a bad thing. That's fine. And that doesn't mean you guys don't love each other. It doesn't. But it might mean there's just a better match out there and now's the time to figure that out. Okay. It's not a bad thing. That's not a bad thing. Doesn't mean you guys hate each other. Okay? I just need to be very clear on that. And I want you to run to the extreme side and think I'm saying you guys are just horrible for each other. But you guys might not be life partners and that's okay. Just reading as I see it.

• 59:53Speaker 03

  Probably have to talk on the way home. For sure.

• 59:55Caleb Hammer?

  Long three hours.

• 59:57Speaker 03

  It's like five hours.

• 1:00:01Caleb Hammer?

  Yeah, we should, we should, we should, uh,

• 1:00:06Caleb Hammer?

  Mark, can we go get a GoPro?

• 1:00:10Caleb Hammer?

  Yeah, well, why are you talking to Christian? I'm not. Can we record it?

• 1:00:14Speaker 03

  Damn, sure.

• 1:00:15Speaker 04

  I don't care.

• 1:00:16Speaker 03

  That's fine.

• 1:00:17Caleb Hammer?

  Yeah, let's do it. First GoPro. You can see what their conversation looks like in the Hammer Elite Membership. Their, their post filming on the ride home membership will be a part of the Hammer Elite Membership. The first one ever.

• 1:00:30Speaker 04

  Knowing so much is not good.

• 1:00:33Caleb Hammer?

  I know. Should have been a fan of the show.

• 1:00:37Caleb Hammer?

  But they always are. What do we think our household financial score is? Zero to 10, zero being the worst, 10 being the best?

• 1:00:42Speaker 03

  Two.

• 1:00:43Speaker 04

  Together is hard.

• 1:00:45Caleb Hammer?

  Together.

• 1:00:45Speaker 04

  Um.

• 1:00:46Caleb Hammer?

  No, we're not married, but we're going off together.

• 1:00:48Speaker 04

  Like one.

• 1:00:49Caleb Hammer?

  Okay. Ladies and gentlemen, if you want your Hammer Financial Score, get it for free. Get it for free. It just takes a few minutes at CalebHammer.com. You can see where you stand in the world of money, where you're doing great, where you're doing poorly. And if you don't want to be like guests, you'll end up on the show. Cause this is a lot of debt, let me tell you. Download the Dollar Wise Budgeting App. Start a free trial, see if it works for you. Most people sign up for the annual version after the trial because saves almost 50%. And you get my 30 day budget meal plan signed by me mailed directly to you, along with the digital version of the cookbook. So there you guys go. No more me prepping. If you're gonna stay at home, stay at home and cook.

• 1:01:19Speaker 04

  I do. Every night.

• 1:01:21Caleb Hammer?

  Really?

• 1:01:22Speaker 04

  Yeah, I do every night. Besides like random things.

• 1:01:25Caleb Hammer?

  Besides the goalposts that's being pushed. No, you're right. I mean, you guys spent a lot of money on bullshit, but it wasn't going out to eat.

• 1:01:30Speaker 04

  Yeah.

• 1:01:30Caleb Hammer?

  It's just other things. Now, another concerning thing here on just like that previous topic, and we are gonna move forward, but this is on the income side. Like dude wants to be a streamer. And you about, and you, you flipped out on the phone when you were learning that. On the phone, you were flipping out.

• 1:01:46Speaker 04

  Cause I just think that's not gonna happen. Like so many people have dreams.

• 1:01:51Caleb Hammer?

  Guys are not aligned on life.

• 1:01:52Speaker 04

  Like so many people try to stream and they make no money and you have to do it for so many hours.

• 1:01:57Speaker 03

  As a hobby until you blow up. Clip it, post it on TikTok.

• 1:02:01Caleb Hammer?

  She wants you to go out there and make more money to provide for the house so she can be a stay at home wife, mom trad.

• 1:02:05Speaker 03

  And that would be a good avenue. Make a lot of money.

• 1:02:07Caleb Hammer?

  No.

• 1:02:08Speaker 04

  It's not. Barely anybody blows up. And then you're spending so much of your time. It's like insane.

• 1:02:17Caleb Hammer?

  I'm also concerned what the you're afraid of me finding on your phones though. What hits your account currently? I didn't get that number.

• 1:02:23Speaker 03

  Uh, monthly, thirty-six.

• 1:02:26Caleb Hammer?

  No, you make less than her, but you bring in more.

• 1:02:29Speaker 03

  It's like eighteen-hundred, yeah.

• 1:02:30Speaker 04

  Well, it's because I have a lot going into my 401K and then also health benefits.

• 1:02:34Caleb Hammer?

  Should you? In the 401K, if you have this much debt? Or is this all him?

• 1:02:39Speaker 04

  Um.

• 1:02:40Caleb Hammer?

  Is that an other [__] thing? He's not only a horrible match for you?

• 1:02:43Speaker 03

  It's definitely not on mine.

• 1:02:44Caleb Hammer?

  But he's bringing in all the debt? Then why are you contributing so much to your 401K? You should only be contributing to the match.

• 1:02:49Speaker 03

  Half of that is from trips.

• 1:02:49Caleb Hammer?

  Ah, why are we doing that? What other trips did you do this year? We got the two cruises.

• 1:02:54Speaker 03

  I told you, she was going to Italy. She is going to Italy, not Italy.

• 1:02:56Caleb Hammer?

  Yeah, but you said you went to eight so far.

• 1:02:58Speaker 04

  Well, the rest are just like weekend trips, like mostly to see family.

• 1:03:02Caleb Hammer?

  No, that's money, lady. That's [__] money.

• 1:03:05Speaker 04

  Yeah.

• 1:03:06Caleb Hammer?

  You can't afford that.

• 1:03:07Speaker 04

  Yeah.

• 1:03:08Caleb Hammer?

  Who's the Sapphire Preferred?

• 1:03:10Speaker 04

  Me.

• 1:03:11Caleb Hammer?

  What the [__] is wrong with you? You want to be a stay-at-home wife, but it has to balance at five thousand three hundred and sixty-four dollars?

• 1:03:15Speaker 04

  That's Italy.

• 1:03:16Speaker 03

  From the trips.

• 1:03:17Speaker 04

  No, that's just Italy.

• 1:03:18Caleb Hammer?

  Does that mean it's good?

• 1:03:20Speaker 04

  No.

• 1:03:21Caleb Hammer?

  Then why the [__] are you trying to say, oh, but that's just Italy? Like, what the [__] are we doing? How do you? Why do you think you're allowed to spend five thousand dollars to go to Italy? In what world do you think you are entitled to do that?

• 1:03:34Speaker 04

  It's our last, like, me and my mom are going for our last, like, big trip.

• 1:03:37Caleb Hammer?

  She can pay for it. She can pay for it then. Because if you want to be a trad wife, you don't get to have both. If you're trying to survive off of this.

• 1:03:44Speaker 04

  Yeah, but I have to work for a while before he could even do that.

• 1:03:46Caleb Hammer?

  But you're pushing that while even further because you're spending so much [__] money on things that don't matter.

• 1:03:52Speaker 04

  Matters to me.

• 1:03:53Speaker 03

  She thinks it's the last because of the kids.

• 1:03:55Caleb Hammer?

  Well, okay, but which one first? Because, hey, listen, if you're, if your financial goals are to travel the world, I'll structure this around this. But so far, it makes it sound like the trad wifedom is more important. So I'm structuring this conversation around that.

• 1:04:04Speaker 04

  It's more important, but he is not there yet. So what's the point of even trying to do that?

• 1:04:09Caleb Hammer?

  Because you're making it further and further and more and more he has to make to get you there.

• 1:04:13Speaker 04

  I'm gonna pay off my debt before I even quit working, so.

• 1:04:16Caleb Hammer?

  But it could be going towards an emergency fund that is fully maxed out and paying off his debt as well. Which gets you there quicker. Italy doesn't sound like more important. If it is, we can focus your conversation on more travel, but it sounds like trad wife is more important. So that's why I'm structuring the conversation around. Am I right or wrong?

• 1:04:38Speaker 04

  Both are important.

• 1:04:39Caleb Hammer?

  Which one's more? Choose, choose. If it's fucking gun to your head, choose. And I'll go get one. I have a 3,000 shotgun ready to blow someone's head off if they're breaking in.

• 1:04:47Speaker 04

  Because of him. If he was making strides to make more.

• 1:04:51Caleb Hammer?

  No, no, no.

• 1:04:51Speaker 04

  Yes.

• 1:04:52Caleb Hammer?

  No, no, no, no, no. Choose one.

• 1:04:54Speaker 04

  Trad wife.

• 1:04:55Caleb Hammer?

  Choose one. Okay. There you go. So that's where the conversation is gonna go. Massive minimum payment comes with the card. $1,267.58.

• 1:05:04Speaker 04

  Yes.

• 1:05:04Speaker 03

  That's the minimum?

• 1:05:06Caleb Hammer?

  Yes.

• 1:05:07Speaker 04

  So I don't get interest off of it.

• 1:05:08Caleb Hammer?

  Fees accruing while you are getting interest, interest.

• 1:05:11Speaker 04

  No, no, no.

• 1:05:12Caleb Hammer?

  Well, there is interest accruing on the credit card. Yes, there is. $28 a month.

• 1:05:15Speaker 04

  Oh, because of.

• 1:05:16Caleb Hammer?

  Oh, because of the balances that accrue interest.

• 1:05:18Speaker 04

  Payment plan?

• 1:05:19Caleb Hammer?

  Uh huh.

• 1:05:20Speaker 04

  For the huge balance.

• 1:05:22Caleb Hammer?

  Which is why the minimum payments are so high, but you're still accruing interest.

• 1:05:25Speaker 04

  Yes, but.

• 1:05:26Caleb Hammer?

  And fees. The fees are from the payment fees most likely. Yes, the plan fee, plan fee, plan fee, plan fee, Norwegian cruise, American airlines, probably American airlines, Chase Travel, Norwegian Cruise again. So you've paid for fees, 318 this year so far, just to get these extra bullshit.

• 1:05:45Speaker 04

  But I think it's less than the interest, right?

• 1:05:47Caleb Hammer?

  Yeah, but it's still fees. It's still bullshit money that you can't afford. You can't have taken away from you right now in this financial position. You really can't. And what are you doing? Of course, apartments.com. You're paying for that?

• 1:05:58Speaker 04

  Oh, that's our rent.

• 1:05:59Caleb Hammer?

  For fucking $31? No.

• 1:06:00Speaker 04

  Oh, that was our application fee.

• 1:06:02Caleb Hammer?

  Oh, DoorDash? DoorDash and Culvers. You have good taste again. Join me and my girlfriend. Leave that man. We'll have Culvers every day. My girlfriend will give you babies. This guy.

• 1:06:15Speaker 03

  Nah, the DoorDash is bullshit.

• 1:06:17Speaker 04

  I only do it like two times a month.

• 1:06:19Caleb Hammer?

  Wait, wait, wait. Didn't you just say you cook every day?

• 1:06:21Speaker 04

  No, no, that's lunch to the office.

• 1:06:23Caleb Hammer?

  Fuck you. Pack lunch.

• 1:06:24Speaker 04

  I know.

• 1:06:25Caleb Hammer?

  Come on, you're trad wife. Pack lunch. That's like your job.

• 1:06:29Speaker 04

  I would.

• 1:06:30Caleb Hammer?

  You would, they do.

• 1:06:31Speaker 04

  It's just random. You saw that I don't eat out often, so it's like-

• 1:06:35Caleb Hammer?

  Well, Culver's, Jersey Mike, like you-

• 1:06:37Speaker 04

  Oh, Jersey Mike's was together.

• 1:06:39Caleb Hammer?

  Huh? Great, but you still are. You still are adding to a balance that is accruing interest-

• 1:06:43Speaker 04

  Yes.

• 1:06:43Caleb Hammer?

  That is preventing you from your [bleep] and that's not even traveling. And then there is the, well, DoorDash-ing Golden, Golden something chick.

• 1:06:50Speaker 04

  Oh, Golden Chick, yeah.

• 1:06:51Caleb Hammer?

  Yep, and then American Airlines.

• 1:06:52Speaker 04

  Have you had Golden Chick?

• 1:06:53Caleb Hammer?

  Yes, it's fine. The biscuits are incredible, though.

• 1:06:55Speaker 04

  Did you get the spicy? The spicy's good.

• 1:06:57Caleb Hammer?

  Alright, she likes Thai food, she's spicy. I get it, she's not that way.

• 1:07:03Caleb Hammer?

  Fees like crazy, man. A hundred forty, seventy-four in just a month with your payment plans. Like, this is insane. So, no, spending money on that shit doesn't make sense in this situation if you're trying to get to that goal. Listen, if this is the life you want to live, that's fine.

• 1:07:17Speaker 04

  But would you rather do a payment plan or the interest? I'm actually curious.

• 1:07:19Caleb Hammer?

  Neither of these purchases.

• 1:07:21Speaker 04

  No, no, no, but if I were to make the purchases, do you think the payment plan is smarter?

• 1:07:24Caleb Hammer?

  But it still doesn't, that's an impossible question. It's an incorrect question, because the correct answer is neither, because it doesn't align with your goals. You [bleep].

• 1:07:32Speaker 04

  Okay.

• 1:07:32Caleb Hammer?

  So, stop.

• 1:07:35Caleb Hammer?

  Stop!

• 1:07:39Caleb Hammer?

  You're being spoiled, think you deserve everything in this world. You don't.

• 1:07:43Speaker 03

  That was just one card?

• 1:07:44Speaker 04

  Yeah, that was one card.

• 1:07:45Caleb Hammer?

  Wow. Who's blue cash every day?

• 1:07:47Speaker 04

  Me.

• 1:07:48Caleb Hammer?

  You're [bleep]. Dude, you are self-

• 1:07:53Caleb Hammer?

  It has interest free currently, but it won't be forever.

• 1:07:55Speaker 04

  Oh, that one, it's because he owed me money on that one. And my wedding dress was on there, but he owed me-

• 1:08:02Caleb Hammer?

  What are you talking about?

• 1:08:02Speaker 03

  Yeah, I owed her like a thousand, five hundred?

• 1:08:05Speaker 04

  Like a thousand seven hundred, he owed me. So then that was all put on that card, plus my wedding dress.

• 1:08:09Caleb Hammer?

  Dude, you put whatever, you put less on it than you spent towards it. It takes eleven years to pay off minimum monthly payments only without any purchases. Your kids will still be zero years old, because you're never gonna get to your goals.

• 1:08:21Speaker 04

  Probably.

• 1:08:22Caleb Hammer?

  Yeah, rip.

• 1:08:24Speaker 04

  Eleven years is not that bad, though. But I don't do-

• 1:08:27Caleb Hammer?

  It is if we're trying to get to your goal.

• 1:08:28Speaker 04

  But I don't do minimum payments. You can see that, right?

• 1:08:30Caleb Hammer?

  You're right. You actually purchase more on it than you put towards it. So it doesn't even matter. That's you're actually doing even worse than just a minimum payment without purchases. So what the are you trying to tell me? Huh?

• 1:08:40Speaker 04

  My wedding dress is on there.

• 1:08:41Caleb Hammer?

  I don't give a shit. Why do I care about your dress? I don't give a about your dress. Your dress. I don't care.

• 1:08:46Speaker 04

  It's pretty.

• 1:08:46Caleb Hammer?

  No.

• 1:08:47Speaker 04

  It's pretty.

• 1:08:48Caleb Hammer?

  No.

• 1:08:48Speaker 04

  Yes.

• 1:08:49Caleb Hammer?

  Well, you're gonna have to return it because you guys shouldn't be together. Blue cash. And I actually mean that genuinely, by the way, not because I hate you guys, but because

• 1:08:59Caleb Hammer?

  I've, I think we've all known couples that are trying to make the other person be who they are not. And it does not end up well.

• 1:09:08Caleb Hammer?

  Even if you guys love each other. Does not end up well. Good luck. $53.69.

• 1:09:16Caleb Hammer?

  It's your minimum payment. Of course, plenty more than we're purchasing. It's a $2,684.52. What are we getting? It's bullshit. Verizon Wireless, like $2. Was that like a fee? What are you doing? Getting gas? Shit.

• 1:09:29Speaker 04

  $2. I had a gift card and that was just the remaining.

• 1:09:32Caleb Hammer?

  Okay, Netflix, bullshit, potentially, maybe groceries. I don't know. Where do you get groceries?

• 1:09:37Speaker 04

  Uh, it's different every time.

• 1:09:38Caleb Hammer?

  Where do you get groceries mostly?

• 1:09:40Speaker 04

  Uh, Walmart, Thrive Market, Trader Joe's sometimes.

• 1:09:43Caleb Hammer?

  Disney Plus.

• 1:09:44Speaker 04

  There's a bunch of places.

• 1:09:45Caleb Hammer?

  Maybe bullshit, maybe groceries. I don't know. It's hard to tell.

• 1:09:49Speaker 04

  If it's Walmart, it's probably groceries.

• 1:09:50Caleb Hammer?

  But you're still putting it on a card that will be interest accruing.

• 1:09:54Speaker 04

  That one's not interest yet.

• 1:09:55Caleb Hammer?

  Will be interest accruing.

• 1:09:57Speaker 04

  But it's not yet.

• 1:09:57Caleb Hammer?

  What I was saying, and you're not paying it off because you're purchasing on it. Okay? Oh, you have a balance without travel insurance? Wait, what is this? What is this balance on this cruise thing? You still have to pay this?

• 1:10:11Speaker 04

  Um, well, we're not going-

• 1:10:12Caleb Hammer?

  What is this?

• 1:10:12Speaker 04

  We canceled the cruise because he'll go-

• 1:10:14Caleb Hammer?

  Are those the flights?

• 1:10:14Speaker 04

  No, no, no. We canceled the cruise because of the plumbing thing, but then we just spent the 17 at Choctaw instead.

• 1:10:21Caleb Hammer?

  Yeah. What?

• 1:10:23Speaker 04

  Chocotah.

• 1:10:23Speaker 03

  That's where we're at.

• 1:10:24Caleb Hammer?

  What's that?

• 1:10:24Speaker 03

  The casino.

• 1:10:26Caleb Hammer?

  I hate you guys.

• 1:10:26Speaker 04

  So it's not.

• 1:10:27Caleb Hammer?

  So the money's already gone. You don't owe it.

• 1:10:28Speaker 04

  Uh, it's on a credit card. It's on my freedom.

• 1:10:32Caleb Hammer?

  Kill me now. Kill me now. Is that a different card in here?

• 1:10:35Speaker 04

  Yeah.

• 1:10:35Caleb Hammer?

  Is that a fuck me now? What are you doing? You spent seventeen hundred dollars at a casino, plus the money you actually spent at the casino.

• 1:10:42Speaker 03

  We saw a move.

• 1:10:43Speaker 04

  No, no, no.

• 1:10:44Caleb Hammer?

  Wow, that's crazy.

• 1:10:46Speaker 03

  We played bingo.

• 1:10:46Speaker 04

  It did count the stuff that we spent, the money that we spent gambling.

• 1:10:50Caleb Hammer?

  Dude.

• 1:10:50Speaker 04

  So.

• 1:10:51Caleb Hammer?

  The lifestyle you guys are trying to live in your early twenties, because you've been blessed with an incredible income, is gonna destroy your life.

• 1:10:58Speaker 03

  That's why we're here.

• 1:10:58Caleb Hammer?

  You guys are f***ing up everything.

• 1:11:01Speaker 03

  We're trying to learn.

• 1:11:02Caleb Hammer?

  Up everything. Trying to learn. This isn't trying to learn. You're doing this now. You're doing this f***ing now. You lost eight hundred twenty-five dollars on the flights because they were non-refundable.

• 1:11:12Speaker 04

  Well, now I've been booking non- or refundable.

• 1:11:15Caleb Hammer?

  Huh? Oh, now after you lost eight hundred twenty-five? Yeah, good learning lesson.

• 1:11:18Speaker 04

  Yep.

• 1:11:18Caleb Hammer?

  You see how you're never gonna end up to your goals? You're just losing money left and right with insane stupid behavior. Insane stupid behavior.

• 1:11:27Speaker 04

  At least I get to see the world before I'm a parent.

• 1:11:34Caleb Hammer?

  Uh, who?

• 1:11:35Speaker 04

  Before I'm a parent, before I'm a mom, I can see the world.

• 1:11:42Caleb Hammer?

  That's kind of f***ing 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 two hundred dollars 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 three point five APY interest rate. Guys, you can watch Financial Odd and get free money at the same time. Who would have thought? That's incredible. Check it out. Link in the description below. Stop bleeding out money, making minimum payments across multiple high-interest accounts. Most Americans are spending hundreds, sometimes thousands of dollars, that could be going toward actually paying down debt instead of lining some banks' pockets.

• 1:12:24Caleb Hammer?

  And look, if you're sitting on high-interest credit card debt, a car loan at eighteen percent, 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.

• 1:12:54Speaker 00

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• 1:13:19Caleb Hammer?

  In one place, 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 still gotta do the work. My parents are seeing the world.

• 1:13:52Speaker 04

  Yeah, but then they're probably old when they're traveling, right?

• 1:13:54Caleb Hammer?

  Like 50.

• 1:13:55Speaker 04

  I don't know. I wanna travel when I'm young and then have kids and settle down.

• 1:13:59Caleb Hammer?

  When do you want to have kids?

• 1:14:01Speaker 04

  Hmm. When we can.

• 1:14:04Caleb Hammer?

  She wanted to. When? Put a timeline on this. If you're saying you have to travel the world before then.

• 1:14:08Speaker 04

  Like two years.

• 1:14:09Caleb Hammer?

  Okay, I don't think you can travel the whole world in two years.

• 1:14:12Speaker 04

  No, but I can get my travel itch out and then.

• 1:14:14Caleb Hammer?

  No, you'll never get it out, dude. You'll never.

• 1:14:17Speaker 04

  I could do a cruise once a year. That's affordable.

• 1:14:20Caleb Hammer?

  Yeah, I mean, that's fine. But that's not like, that's not, I wouldn't hardly consider just, it's not like traveling that much. So you're going on a cruise.

• 1:14:26Speaker 04

  I guess, but then you can pick the one that you go to a bunch of locations.

• 1:14:30Caleb Hammer?

  Okay, I guess once a year, it wouldn't be the worst thing we could do that. But that's not what you do. That's not what you do.

• 1:14:35Speaker 04

  I don't have kids yet.

• 1:14:36Caleb Hammer?

  You've gone on two cruises this year so far. I know, but you're trying to in two years. You're not going to be able to if you're doing this lifestyle you're doing now.

• 1:14:42Speaker 03

  You know, delay some things.

• 1:14:43Caleb Hammer?

  You guys talk about money?

• 1:14:45Speaker 04

  No.

• 1:14:45Speaker 03

  Sometimes.

• 1:14:46Speaker 04

  Not really.

• 1:14:47Caleb Hammer?

  Two very different conversa- uh, answers. What do you, what do you mean sometimes?

• 1:14:52Speaker 03

  We'll have a conversation every once in a while. Say we're spending too much, or I think we're buying some dumbass shit. Like.

• 1:14:59Speaker 04

  I feel like we don't talk about it.

• 1:15:00Speaker 03

  Those clean paper towels we just bought.

• 1:15:02Speaker 04

  Oh, yeah, I got bamboo toilet paper. Cause did you see the plastic detox on Netflix? So now I'm trying to go clean like this is 100% cotton. I'm trying to like avoid all the top because it helps with fertility. Because people are having really big problems with fertility.

• 1:15:18Caleb Hammer?

  Yeah, they're usually fat.

• 1:15:20Speaker 04

  No, not necessarily. The six couples in there, three were able to conceive.

• 1:15:24Caleb Hammer?

  Oh, and the documentary specifically about that topic, that's interesting.

• 1:15:27Speaker 04

  Just saying.

• 1:15:28Caleb Hammer?

  Who would have thought that's, that's interesting.

• 1:15:29Speaker 04

  It helps with a lot.

• 1:15:30Speaker 03

  We're talking about the paper towels, though. Are those bamboo?

• 1:15:33Speaker 04

  Yes, those are bamboo.

• 1:15:33Speaker 03

  Those are dumb. Because all we use them on is to clean up dog shit.

• 1:15:38Speaker 04

  It's still good to get rid of toxins in the house.

• 1:15:41Speaker 03

  I don't agree with that.

• 1:15:42Caleb Hammer?

  You don't agree with that? I mean, it's fine, but I wouldn't be spending a shit ton of money that we don't have, throwing away our lives for it.

• 1:15:49Speaker 04

  I'm not.

• 1:15:49Caleb Hammer?

  Slow transition. What do you mean? Yes, you are with all the.

• 1:15:52Speaker 04

  Not for the paper towels.

• 1:15:53Caleb Hammer?

  Buddy, it's, everything is stacking up.

• 1:15:56Speaker 03

  The second she saw that, it was a complete 180. And that's most things that she does. It's like she sees it, she wants it, she does it right then and there. Like that camera.

• 1:16:04Caleb Hammer?

  And you control everything.

• 1:16:06Speaker 04

  Yeah. I sold the camera, though.

• 1:16:08Speaker 03

  She bought like this $1,000 camera.

• 1:16:10Speaker 04

  The G7X I wanted.

• 1:16:11Speaker 03

  Literally like two days after seeing it.

• 1:16:13Speaker 04

  But then I got it for 900.

• 1:16:15Caleb Hammer?

  For what? Why do you need it?

• 1:16:16Speaker 03

  She didn't even use it.

• 1:16:17Speaker 04

  For pictures, for trips.

• 1:16:17Caleb Hammer?

  Your iPhone takes good photos.

• 1:16:19Speaker 04

  No, I know. And then I sold it for 1,200, so I got a profit.

• 1:16:22Caleb Hammer?

  Okay, you got lucky.

• 1:16:23Speaker 04

  Yeah.

• 1:16:25Speaker 03

  Not even one time.

• 1:16:26Caleb Hammer?

  You got lucky.

• 1:16:28Speaker 04

  Hmm, I saw that it was selling for a lot of money. So I was like, if I don't like it, I can sell it. And I did.

• 1:16:34Caleb Hammer?

  Are you a cuck in this house, man?

• 1:16:35Speaker 03

  I don't think so.

• 1:16:36Caleb Hammer?

  Cause it doesn't sound like you can stand up for things. Say, hey, no, let's not get a coke.

• 1:16:40Speaker 03

  I'm getting 2B1ed. Anytime.

• 1:16:43Caleb Hammer?

  What do you mean today? That's with you being racist, other than that.

• 1:16:45Speaker 03

  No, no, with her mom. Anytime I bring up something with her, she asks.

• 1:16:49Speaker 04

  No, he brings up my mom so much.

• 1:16:52Caleb Hammer?

  I mean, her mom read the situation right, where if she has to push you endlessly throughout your life, you're always gonna be someone that has to push.

• 1:16:57Speaker 04

  I don't talk to my mom about everything.

• 1:16:59Speaker 03

  There's some times where I know I'm right, and her mom definitely thinks so, but she always sides with her.

• 1:17:03Caleb Hammer?

  Example.

• 1:17:04Speaker 03

  But I don't know right now.

• 1:17:06Caleb Hammer?

  No, you have to. Huh?

• 1:17:08Speaker 04

  My mom will tell me that I'm being stupid, like with the trip. She was like, "Stop doing that." And that's his stance. So I'm like, "I don't know why you think that my mom will just not agree with you."

• 1:17:17Speaker 03

  I can't come up with one off the top of my head right now.

• 1:17:18Speaker 04

  Because she does. She's pretty neutral.

• 1:17:20Caleb Hammer?

  If you're gonna allege that, man.

• 1:17:22Speaker 03

  I don't know.

• 1:17:23Speaker 04

  I just think she's pretty, like, if I'm being stupid, she tells me. She's the first one to tell me. About all these trips, she thinks I'm really stupid.

• 1:17:32Speaker 03

  Maybe that, because it is stupid.

• 1:17:34Caleb Hammer?

  Okay, who has the ideal car?

• 1:17:39Speaker 04

  That's the ring, but it's in my name, but it's the-

• 1:17:42Caleb Hammer?

  You have it on? No, you're not married. Oh, okay, so.

• 1:17:44Speaker 04

  Engagement ring, but it's lab grown, so it's not-

• 1:17:47Caleb Hammer?

  How much was it?

• 1:17:48Speaker 03

  It's like three thousand?

• 1:17:50Speaker 04

  Well, the set was three thousand, so we have the wedding bands-

• 1:17:52Caleb Hammer?

  We are gonna return it, right?

• 1:17:53Speaker 03

  I don't know if we can.

• 1:17:53Speaker 04

  That's crazy. I don't think we can.

• 1:17:55Caleb Hammer?

  We are gonna sell it?

• 1:17:57Speaker 04

  I mean, they don't sell for a lot.

• 1:17:58Caleb Hammer?

  You gonna sell it?

• 1:17:59Speaker 04

  They don't sell for a lot.

• 1:18:00Caleb Hammer?

  You guys aren't staying together, right?

• 1:18:02Speaker 03

  We have to talk.

• 1:18:04Caleb Hammer?

  I, though, that would be crazy, guys. You are just not a match. I'm sorry. It's just the reality. I'm really sorry. I do feel bad about it. No interest accruing, that's fine, but it's gonna take forever to pay off. Um...

• 1:18:16Speaker 04

  The deferred. Look at the deferred.

• 1:18:18Caleb Hammer?

  Yeah, when does the deferred end?

• 1:18:20Speaker 03

  It's like July, yeah.

• 1:18:23Speaker 04

  But it's him making the payments. I paid off his ring. It was four thousand.

• 1:18:26Speaker 03

  In July. I need one more payment.

• 1:18:28Caleb Hammer?

  No, you made the minimum only. What are you talking about? You have to pay a thousand five hundred, like, now. Huh?

• 1:18:35Speaker 03

  How much?

• 1:18:35Caleb Hammer?

  Thousand five hundred, you-

• 1:18:37Speaker 03

  That's one payment.

• 1:18:39Caleb Hammer?

  You paid fifty-five.

• 1:18:41Speaker 03

  Maybe for like, two, two of them.

• 1:18:43Caleb Hammer?

  That's what you paid the last month.

• 1:18:45Speaker 03

  I understand that, but that's one more payment. That's an easy, easy one more.

• 1:18:48Caleb Hammer?

  Yeah, except you guys blow all your money, so maybe not. We'll see.

• 1:18:52Speaker 03

  And so how much goes on there if, if July hits?

• 1:18:59Caleb Hammer?

  Hundreds, almost like a thousand.

• 1:19:01Speaker 03

  Oh, so that's like two payments?

• 1:19:03Caleb Hammer?

  Dude, why, you wanna be with the, literally, your kids are gonna be so stupid. I'm not even kidding.

• 1:19:10Speaker 03

  That's not that.

• 1:19:10Caleb Hammer?

  That's not even a joke.

• 1:19:11Speaker 03

  Two payments?

• 1:19:12Caleb Hammer?

  Who's the city double cash?

• 1:19:14Speaker 03

  Uh, I think that's me.

• 1:19:15Caleb Hammer?

  You think or you know?

• 1:19:15Speaker 03

  That's me.

• 1:19:16Caleb Hammer?

  Okay, well, interest is accruing, why aren't you making large payments on it if you can make such big payments?

• 1:19:21Speaker 03

  I'm paying off, that's what you said. I'm paying off another card right now.

• 1:19:23Caleb Hammer?

  What do you mean? What are you talking about?

• 1:19:24Speaker 03

  There's another card, the Discover.

• 1:19:26Caleb Hammer?

  Well, you better prove that when I get to it.

• 1:19:28Speaker 03

  Okay.

• 1:19:28Caleb Hammer?

  Right now, this is accruing interest, is it a thousand? No, sorry. It's a nine hundred forty-four, nine hundred ninety-four dollars and forty-two cents, minimum payment, forty-one dollars. What, what did you get? Why, why, what's up with this card? Why is it so high? Oh, he's had a late fee this year, so yeah, he's really making a

• 1:19:45Speaker 03

  A late fee?

• 1:19:46Speaker 04

  A late fee is crazy.

• 1:19:48Caleb Hammer?

  He's had a late fee, that's what you wanna marry, again.

• 1:19:51Speaker 03

  What?

• 1:19:51Caleb Hammer?

  It really sounds like I'm running a campaign to break you guys up, but like, you guys should probably break up.

• 1:19:55Speaker 03

  No way.

• 1:19:57Caleb Hammer?

  Yes. Forty-one dollars as a late fee.

• 1:20:00Speaker 04

  That's crazy.

• 1:20:01Speaker 03

  Where does it say? Wait, wait, wait.

• 1:20:02Caleb Hammer?

  Your credit is gonna be Forty-one dollars is a late fee.

• 1:20:07Caleb Hammer?

  I'm being told that says

• 1:20:08Speaker 03

  Oh.

• 1:20:09Caleb Hammer?

  Cause he has go card.

• 1:20:11Speaker 03

  Yeah, that is.

• 1:20:12Speaker 04

  That's

• 1:20:12Speaker 03

  You think about it?

• 1:20:13Caleb Hammer?

  So he has a late fee for buying skins for his gun.

• 1:20:16Speaker 04

  That's insane.

• 1:20:17Speaker 03

  It's, it's the cases.

• 1:20:19Caleb Hammer?

  You know them.

• 1:20:19Speaker 04

  Stupid, yes, of course I do.

• 1:20:21Caleb Hammer?

  You're okay with it and him being late on this?

• 1:20:22Speaker 04

  No, I'm not okay with it.

• 1:20:24Caleb Hammer?

  Well, he's gonna keep doing it.

• 1:20:25Speaker 03

  I made the money back.

• 1:20:26Caleb Hammer?

  You were late.

• 1:20:27Speaker 03

  I mean, that

• 1:20:28Caleb Hammer?

  And interest is accruing, is interest accruing on the money that you made back?

• 1:20:32Speaker 04

  Why don't you have auto pay? I don't use the auto pay, cause I pay it beforehand, but I have it just in case I forget.

• 1:20:38Caleb Hammer?

  Yes.

• 1:20:38Speaker 03

  I'm worried that it's gonna overdraft.

• 1:20:40Caleb Hammer?

  He does a hundred dollars once or twice a month for this shit.

• 1:20:43Speaker 04

  That's insane.

• 1:20:44Caleb Hammer?

  And that on top of everything, again, stacks.

• 1:20:46Speaker 04

  Not one hundred and, or two hundred? I thought it was just randomly, like, a random purchase.

• 1:20:55Speaker 03

  It is random.

• 1:20:56Speaker 04

  Not if it's like one to 200 a month.

• 1:20:58Speaker 03

  It's randomly when I'm feeling it. That's random.

• 1:21:01Speaker 04

  Mm-mm. I don't like that.

• 1:21:02Caleb Hammer?

  Whoa, you guys are so... Discover it? Who's this?

• 1:21:05Speaker 04

  That's my card, but he uses everything on there. I have, I don't do anything.

• 1:21:09Caleb Hammer?

  You spent $1,088 on there?

• 1:21:11Speaker 03

  On the Discover?

• 1:21:12Caleb Hammer?

  It? Yes.

• 1:21:13Speaker 03

  Yeah.

• 1:21:14Speaker 04

  He took out of his 4K.

• 1:21:16Speaker 03

  It was a lot worse.

• 1:21:17Speaker 04

  To pay off. It was like 3,500. He took out of his 401K and paid it off, and then now it's back to 1,000.

• 1:21:22Caleb Hammer?

  And again, you kind of know things about finances. You're the fan of the show. You are that person.

• 1:21:26Speaker 04

  Yeah.

• 1:21:26Caleb Hammer?

  You are, I'm sorry for running this campaign, marrying someone who's spending this much on an interest on a card that is gonna [bleep] you. And he took out of his 401K for it.

• 1:21:34Speaker 03

  There's like 400 dollars.

• 1:21:36Caleb Hammer?

  While he spends hundreds on CS:GO a month. You're okay with someone that pulls out his 401K for that?

• 1:21:40Speaker 04

  But I'm thinking it was way more interest.

• 1:21:43Caleb Hammer?

  You know, it's actually kind of pathetic.

• 1:21:44Speaker 03

  You gotta understand.

• 1:21:45Caleb Hammer?

  It's kind of pathetic to go along with that.

• 1:21:47Speaker 03

  There's necessities on there.

• 1:21:48Caleb Hammer?

  It is kind of pathetic. It's kind of pathetic that you can't stand up. Can't stand up, and you'll just accept it. Failure. Who gives a shit, dude? You'll get a success. You'll find someone else. I'll matchmake you. I'll matchmake you myself. I'll matchmake you myself. Um... Wes. He's handsome, he's tall, he does well, he's successful.

• 1:22:11Caleb Hammer?

  He's who I've been trying to matchmake with people. He kind of looks like him, just a little balder.

• 1:22:19Caleb Hammer?

  But he's much better.

• 1:22:20Speaker 04

  He's probably going bald.

• 1:22:22Caleb Hammer?

  Yes, he absolutely is. Look at him. Look at that shit. No one puts their hair like that. No one with a hairstyle like that keeps it for long.

• 1:22:28Speaker 03

  I mean, my dad's just bald.

• 1:22:29Caleb Hammer?

  He's gonna age horribly. That white skin. Good luck, dude.

• 1:22:33Speaker 03

  I think I look good bald. You don't think so?

• 1:22:36Caleb Hammer?

  Uh, can you grow facial hair?

• 1:22:37Speaker 03

  Yes. I have to shave it. She doesn't like me growing it out.

• 1:22:40Caleb Hammer?

  Okay, then, yeah, you might look okay. You might look okay, but, no, no, no, you're gonna age.

• 1:22:43Speaker 03

  She made me shave it for the show.

• 1:22:44Caleb Hammer?

  I don't care. You're gonna age horribly.

• 1:22:46Speaker 04

  Well, because it was like little pub hairs on his skin.

• 1:22:47Caleb Hammer?

  He's gonna age horribly!

• 1:22:48Speaker 03

  It would have grown, though.

• 1:22:49Speaker 04

  It was like little pub hairs this morning. He had to shave it.

• 1:22:52Speaker 03

  It would have grown out. It didn't look bad. I think it looks good.

• 1:22:54Caleb Hammer?

  $35 a month owed 822... Oh, $822.21. What did you spend a thousand dollars on?

• 1:23:00Speaker 03

  There's like breaks on there. There's food, probably.

• 1:23:02Caleb Hammer?

  Yeah, I'm about to go through that.

• 1:23:04Speaker 03

  I'm just, you asked.

• 1:23:05Caleb Hammer?

  So, but you don't have to. You can go to the [bleep]. You can use your debit card. You went to the past store, but it could have been on a debit card. Belt toes? IHOP, Marshalls, Buffalo Wild Wings, definitely some bullshit from Walmart because that's $3.75. That was not a necessity. What are you getting? Energy drinks or something?

• 1:23:23Speaker 03

  Yes, I get a lot.

• 1:23:25Caleb Hammer?

  Congratulations. We make it at home, just like you gotta make your coffee at home with Gamersubs. Find out the flavor you like by getting the free samples. Gamersubs.gg, link in the description below. Type in code CALEB, get your free samples and then get your pack at 10% off with my code and you'll be able to make your energy drinks at home. They taste better and it's good for meal prep and 40 cents a serving. So there you go, some energy drinks, Riveras, Salvadoran, Brahms, Taco Casa, Amazon, bullshit, Seven Brew Coffee, Sirloin Meat Company, Sirloin Meat Company, hundreds of dollars.

• 1:23:57Speaker 04

  Oh, butcher. We get meat from a butcher.

• 1:24:00Caleb Hammer?

  Yeah, hundreds of dollars. You guys can't afford it right now because you guys have fucked up everything.

• 1:24:03Speaker 03

  That's what I'm saying.

• 1:24:04Caleb Hammer?

  Bullshit, Spotify.

• 1:24:06Speaker 04

  It's like 15 pounds of meat a month for $2.40 from a butcher. That's actually good.

• 1:24:11Caleb Hammer?

  Yeah, and then you guys go out to eat constantly on here, or he does, at least. Rockwall, Rockwall Modern and then Record Center.

• 1:24:18Speaker 04

  Record Center.

• 1:24:19Speaker 03

  I don't know, probably the new album, the vinyl.

• 1:24:23Caleb Hammer?

  Stupid guys. You're never gonna be able to hit your goals, never, with this kind of spending. This is insane. And then the Freedom Card comes up next. And you brought that up earlier.

• 1:24:32Speaker 04

  Yeah.

• 1:24:32Caleb Hammer?

  Okay, well, it's not a big oh. It looks like this one's paid off every month, so I'm not gonna write it down. But it is still money that is being spent.

• 1:24:38Speaker 04

  Well, that one's the one where the 1700's going on because of the casino.

• 1:24:43Caleb Hammer?

  Okay, 1700. Minimum will be like 40 bucks because that's what it always is on here. Listen! Okay, yeah, so, yeah, it's gone up substantially. It's over 2,000 at the casino. Okay, you're Listen, this makes no sense. Even if you did pay this off, it is still money that is being spent that could be going towards other things that are important. So it's still bad even if it's a paid off every month credit card, which it's no longer anyway. So interest will be accruing.

• 1:25:09Caleb Hammer?

  Stupid and what are we getting on here when it wasn't even high? Energy drinks there, genius.

• 1:25:13Speaker 04

  Energy drinks.

• 1:25:14Caleb Hammer?

  Or probably, I don't know, you went to Walmart for groceries, but then you went back inside and you got some bullshit. You got something to do.

• 1:25:19Speaker 04

  It's probably groceries though, because I don't go in and buy any drinks.

• 1:25:22Caleb Hammer?

  We'll see, Genesis thrift store, Alan Ash, Ash and Rose, Mochi Antique Gallery, East Fork Mall, Chili's Town, East Fork Mall.

• 1:25:32Speaker 04

  Oh, I hung out with my aunt.

• 1:25:33Caleb Hammer?

  Bullshit Starbucks, Ram Fitness, Hua's Coffee, Rockwall Modern, bullshit TikTok shop, Goodwill.

• 1:25:41Speaker 03

  Yeah, she shops a lot.

• 1:25:42Caleb Hammer?

  Yeah, you do. And you've had some fees this year too.

• 1:25:43Speaker 03

  A lot.

• 1:25:44Speaker 04

  Fees?

• 1:25:45Caleb Hammer?

  Yep.

• 1:25:45Speaker 04

  Better not be late fees. I never have missed a payment.

• 1:25:47Caleb Hammer?

  Doesn't look like a late fee. I can't tell what it was for $10. Who's the Apple card?

• 1:25:51Speaker 04

  Mine.

• 1:25:51Caleb Hammer?

  Guys, you have so much debt, so much cards. It's so stupid. $2.39, minimum monthly payment 25. I don't think there's any purchases, but you guys are just carrying credit cards and balances and she's got a new puppy for $900. Of course you are. You shouldn't even be together.

• 1:26:05Speaker 04

  I love the baby.

• 1:26:06Caleb Hammer?

  Depot, Starbucks, One Quince, Real Paper, a real, real paper.

• 1:26:12Speaker 04

  Oh, toilet paper.

• 1:26:13Speaker 03

  That's not healthy shit I'm talking about.

• 1:26:14Caleb Hammer?

  Bullshit, bullshit, One Quince, Donald's, Marshall, TikTok shop.

• 1:26:20Speaker 04

  That one I pay off every month though.

• 1:26:22Caleb Hammer?

  Gap, this is bullshit.

• 1:26:23Speaker 04

  It's bullshit.

• 1:26:24Caleb Hammer?

  Gap, Gap, this is bullshit. Okay, I'll cross it off for paying off, but it is still hundreds of dollars.

• 1:26:29Speaker 04

  That one has 500 now.

• 1:26:30Caleb Hammer?

  I'm gonna kill.

• 1:26:36Caleb Hammer?

  Okay, probably like a $40 payment.

• 1:26:38Speaker 04

  But I'll pay that off next month.

• 1:26:40Caleb Hammer?

  Oh, we'll see. It's stupid, man. Even if you are paying it off, it is still money that could be going towards an emergency fund or retirement instead of him pulling it out. Instead of you guys going in debt to the family for the wedding, instead of you going, having to do a $20,000 travel bullshit for your honeymoon. Capital One saver only made the minimum. Who's the saver?

• 1:27:00Speaker 03

  That's me.

• 1:27:01Caleb Hammer?

  Interest free for now. It won't be long. $289.46, minimum monthly payment 25.

• 1:27:11Caleb Hammer?

  Interest accruing.

• 1:27:12Speaker 03

  I can't even spend a lot on that one. It's like $300.

• 1:27:14Caleb Hammer?

  Thank... That's what you want? This is so pathetic. Capital One, who?

• 1:27:19Speaker 03

  That's me.

• 1:27:19Caleb Hammer?

  Interest is accruing, only making the minimum. This is the one you said you were making progress on? No.

• 1:27:25Speaker 03

  That's the Discover.

• 1:27:27Speaker 04

  But that's because you pulled out of your 401K.

• 1:27:29Speaker 03

  I did do that.

• 1:27:29Caleb Hammer?

  Oh, so it's not actually making progress? It's pulling out of your retirement? Shut up, pathetic worm. $234.20, $25 minimum payment because you pulled it.

• 1:27:37Speaker 03

  I needed to buy brakes.

• 1:27:38Caleb Hammer?

  So it went up! After you pulled out of your 401K to pay it. That's why we don't do that, man.

• 1:27:42Speaker 03

  It was the meat.

• 1:27:43Caleb Hammer?

  Listen, we have personal loans to apply for on CalebHammer.com, but it's only when you have changed behavior. And then you could do it or else you end up with a credit card debt again after you already pulled out of retirement.

• 1:27:52Speaker 03

  Those were necessities. We had to eat and I had to do my brakes. You want me to crash?

• 1:27:55Speaker 07

  We are legally obligated to answer no...

• 1:27:57Caleb Hammer?

  But either way, number two...

• 1:27:58Speaker 03

  What about the food?

• 1:27:59Caleb Hammer?

  It's not just that. You guys spent so much money on bullshit that instead of pulling from retirement, that could have gone towards the necessities instead. Shut the [bleep].

• 1:28:06Speaker 03

  It was food, roast beef and brakes.

• 1:28:07Caleb Hammer?

  Shut the [bleep] up, Amazon. Yes, but you'd be able to afford that if the money wasn't going to bullshit. Thousands a month.

• 1:28:12Speaker 04

  Amazon is me.

• 1:28:13Caleb Hammer?

  Oh, it's $0, so don't have to worry about that.

• 1:28:15Speaker 04

  That one has 95 on it.

• 1:28:17Caleb Hammer?

  Okay, well, that's fine. I'm not going to figure out about that. Amazon, Amazon, Amazon, Amazon, Amazon, Amazon. Okay, student loans, who's $18,000?

• 1:28:25Speaker 03

  That's me.

• 1:28:26Speaker 04

  For a two-year degree.

• 1:28:27Speaker 03

  Yeah.

• 1:28:28Caleb Hammer?

  You have that too?

• 1:28:29Speaker 04

  No, but he doesn't use it and I have a two-year degree.

• 1:28:31Caleb Hammer?

  What's your degree?

• 1:28:32Speaker 03

  It's, uh, networking and systems.

• 1:28:34Caleb Hammer?

  Okay, why don't you get... I can get you an IT certification through Course Careers. Get into a higher income field. A lot of people have done that.

• 1:28:40Speaker 03

  That's why I wanted to go into the military, to get that paid for.

• 1:28:43Caleb Hammer?

  What? But you're just doing plumbing?

• 1:28:45Speaker 03

  Oh, like the plumbing is to have something on the side in the reserves.

• 1:28:48Caleb Hammer?

  Okay, monthly payment, $122.26.

• 1:28:51Speaker 03

  Yeah, I pulled out extra loans at the time because I wasn't working much.

• 1:28:55Caleb Hammer?

  I'm sure you did. He's never going to change. Uh, Federal Student Aid, CRI, is that you?

• 1:28:59Speaker 04

  Yeah, it is.

• 1:29:00Caleb Hammer?

  Okay. $36 a month, $36.71. Minimum monthly payment, $3,321.20.

• 1:29:11Caleb Hammer?

  Okay.

• 1:29:15Speaker 04

  That one.

• 1:29:15Caleb Hammer?

  There's just still more. This is collections, isn't it?

• 1:29:17Speaker 03

  What even is that?

• 1:29:18Speaker 04

  Uh, I never went to my actual collections because they messaged me right before. Like, it went to a collection agency, but they messaged me. There's not.

• 1:29:24Caleb Hammer?

  There is.

• 1:29:25Speaker 04

  No.

• 1:29:26Caleb Hammer?

  Yes.

• 1:29:26Speaker 04

  Before I paid it, before they contacted me, but now I'm on a payment plan.

• 1:29:30Caleb Hammer?

  Late fees, hundreds of hours.

• 1:29:31Speaker 04

  Yeah, before.

• 1:29:31Caleb Hammer?

  How much? You mean, before when? Before when?

• 1:29:33Speaker 04

  Before I set up the payment plan, before they contacted me. It's fifty dollars a month. I think it ends.

• 1:29:38Caleb Hammer?

  Fifty? So it's nine hundred eighty-six dollars, eighty-seven cents, fifty dollars a month.

• 1:29:42Speaker 04

  But I've been paying it since twenty twenty-four.

• 1:29:45Caleb Hammer?

  Well, fifty dollars a month for that nine hundred. Me.

• 1:29:48Speaker 04

  But it's still having interest. Yeah.

• 1:29:51Caleb Hammer?

  All right, that's all the debt. Good. Checking account. Who's Wells Fargo?

• 1:29:55Speaker 03

  That is me.

• 1:29:55Caleb Hammer?

  Yep, there it is. Energy drink. Mr. J's. Specs.

• 1:30:00Speaker 03

  Gotta get the beer.

• 1:30:01Caleb Hammer?

  Do you drink?

• 1:30:02Speaker 04

  Uh, occasionally, like maybe once or twice a month.

• 1:30:06Caleb Hammer?

  Dude, eight beers in a sitting's crazy.

• 1:30:07Speaker 03

  Have you ever had a Coors Light?

• 1:30:10Caleb Hammer?

  Yes, it's disgusting.

• 1:30:11Speaker 03

  That shit is the best.

• 1:30:14Caleb Hammer?

  Oh!

• 1:30:14Speaker 03

  Or a banquet?

• 1:30:16Caleb Hammer?

  I've never had that. I don't know what that is.

• 1:30:17Speaker 03

  It's a Coors banquet, like the original.

• 1:30:19Caleb Hammer?

  What? No!

• 1:30:20Speaker 03

  Delicious.

• 1:30:22Speaker 04

  I don't like beer.

• 1:30:24Caleb Hammer?

  Carl, you fat, please. Let me... I can get you. I can find you someone. Even a gay man would be better.

• 1:30:30Speaker 04

  Lavender marriage?

• 1:30:32Caleb Hammer?

  Yes.

• 1:30:32Speaker 04

  I would like that.

• 1:30:33Caleb Hammer?

  He would probably give you more babies than he's able to. Energy drinks, theme games, Mr. J's, Mr. J's, theme games, theme games, theme games, theme games.

• 1:30:42Speaker 03

  Mr. J's is energy drinks.

• 1:30:44Caleb Hammer?

  Pokemon Go!

• 1:30:45Speaker 03

  Pokemon Go.

• 1:30:45Caleb Hammer?

  Energy drinks, energy drinks, bullshit. Pokemon Go, energy drinks, bullshit. ATM draw two hundred and five, went to the strip club, had some fun, probably.

• 1:30:54Speaker 04

  No.

• 1:30:55Speaker 03

  What is that? What did you say?

• 1:30:56Caleb Hammer?

  Bro has an OnlyFans login.

• 1:30:58Speaker 03

  I don't. That's crazy. I had to be old.

• 1:31:00Caleb Hammer?

  Chase, that's you?

• 1:31:01Speaker 04

  Yeah.

• 1:31:01Caleb Hammer?

  You started with fifty-three dollars and ended with ninety-four? You suck too!

• 1:31:05Speaker 04

  That's...

• 1:31:06Caleb Hammer?

  So far, just money transferring back and forth. Okay, and then apartments go, apartments go, apartments go, Zellin. Okay, that's not horrible. Savings is held steady at thirteen hundred. She's gonna be the only reason you might have money. And this one, in your savings, eight cents. Are you guys getting the relationship yet? Two hundred ninety-five in fidelity. Who's that?

• 1:31:26Speaker 04

  That one is me, but it's up to seventeen hundred. So I'm putting it...

• 1:31:30Caleb Hammer?

  Charles Schwab, who's that?

• 1:31:31Speaker 04

  Mine.

• 1:31:31Caleb Hammer?

  That one's actually good at thirty-five thousand at your age. It's the only thing that's gonna give you guys benefit.

• 1:31:36Speaker 04

  And it was thirty-three when I put it in. So, it's been growing.

• 1:31:39Caleb Hammer?

  Okay, and then you obviously have nothing because you're pathetic. Bro, sucks.

• 1:31:45Speaker 03

  I had it. Actually, before we met.

• 1:31:49Caleb Hammer?

  Are you gonna say it's her fault?

• 1:31:50Speaker 03

  No, it's actually my brother's. I had like-

• 1:31:53Caleb Hammer?

  That you pulled it out?

• 1:31:54Speaker 03

  Huh?

• 1:31:55Caleb Hammer?

  That you chose to pull it out?

• 1:31:56Speaker 04

  Oh no, this is just savings that he was talking about.

• 1:31:58Speaker 03

  Yeah, I had like nine grand saved up.

• 1:32:00Speaker 04

  Yeah.

• 1:32:01Caleb Hammer?

  Okay, do you now?

• 1:32:02Speaker 03

  No.

• 1:32:03Caleb Hammer?

  And do I care?

• 1:32:04Speaker 03

  I mean, you should.

• 1:32:05Caleb Hammer?

  Net income, no. Seven thousand eighty dollars a month. Good. Good income.

• 1:32:13Caleb Hammer?

  Listen, the Sapphire prefer, won't normally be that high of a minimum monthly payment.

• 1:32:17Speaker 04

  Don't even factor it in.

• 1:32:19Caleb Hammer?

  No, I'm gonna factor in normal, which is like-

• 1:32:21Speaker 04

  Yeah.

• 1:32:22Caleb Hammer?

  What, like two hundred? How much is normal?

• 1:32:27Speaker 04

  Normal would be low, cuz I'm just paying off those and then it will be completely done.

• 1:32:32Caleb Hammer?

  Well, there are some smaller purchases on there.

• 1:32:34Speaker 04

  Those I pay off right away, but I think it goes to the payment plan.

• 1:32:37Caleb Hammer?

  There's interest accruing, so that's not true.

• 1:32:39Speaker 04

  No, but I think the payment plan, it goes to the payment plan.

• 1:32:41Caleb Hammer?

  I'm gonna add fifty bucks. Minimum repayments outside of that, which will quickly wrap up, five hundred seventy-one dollars and sixty-six cents.

• 1:32:53Caleb Hammer?

  What's your rent?

• 1:32:54Speaker 04

  Fifteen hundred.

• 1:32:54Speaker 03

  Fifteen.

• 1:32:56Caleb Hammer?

  Okay, utilities, gas, electric, internet, all combined?

• 1:32:59Speaker 03

  Internet, gas, electric, uh, four hundred.

• 1:33:03Caleb Hammer?

  Okay, phone bill?

• 1:33:05Speaker 04

  We're separate, so I'm sixty-two.

• 1:33:07Speaker 03

  And I pay fifty?

• 1:33:09Caleb Hammer?

  Hey, helium's good up there, guys. Fifteen bucks on wine. Same towers as T-Mobile. Transportation, gas, vroom vroom, drive drive, how much?

• 1:33:17Speaker 04

  I spend two hundred a month, probably on gas.

• 1:33:20Speaker 03

  I probably spend three. Maybe a little more, three fifty?

• 1:33:23Caleb Hammer?

  Five hundred, a little more, five fifty, okay. Uh, car insurance?

• 1:33:28Speaker 04

  Uh, three seventy, for both of us.

• 1:33:32Caleb Hammer?

  Okay, necessary food, six hundred. Meal plan, meal prep, easy peasy. TP fund, anything else you guys need to survive, two hundred. Tampons, makeup, toilet paper, all that good stuff. Toothpaste, TP, medical healthcare. Any co-pays on a monthly basis?

• 1:33:45Speaker 04

  Uh, I do mochi, which is like the semi-glutide. Um-

• 1:33:50Caleb Hammer?

  For weight loss?

• 1:33:51Speaker 04

  Yeah.

• 1:33:52Caleb Hammer?

  Were you fat?

• 1:33:53Speaker 04

  Uh, not really. I was just one seventy and I lost fourteen before I started semi-glutide. Um, five-four.

• 1:34:00Speaker 04

  I just wanna lose like

• 1:34:01Caleb Hammer?

  I looked at her picture, she's not fat, but 170 is kinda heavy for that weight.

• 1:34:04Speaker 04

  But that was 170.

• 1:34:05Caleb Hammer?

  It's your tits.

• 1:34:06Speaker 04

  I mean, I just wanna lose like 10 more pounds.

• 1:34:08Caleb Hammer?

  I mean, that's fine. There's nothing, it's okay.

• 1:34:11Speaker 04

  I mean, I technically don't need to be on it. I lost 15 before I got on it, so I was down to like 155.

• 1:34:17Caleb Hammer?

  Okay, how much does it cost?

• 1:34:18Speaker 04

  155 a month.

• 1:34:20Speaker 03

  I hate that shit anyways. I'd be happy if you got off of it.

• 1:34:23Caleb Hammer?

  Why?

• 1:34:24Speaker 03

  I think it's stupid. Think about like the

• 1:34:26Caleb Hammer?

  I don't think she needs it.

• 1:34:27Speaker 03

  Think about the long term, what's that, what's that is doing to you?

• 1:34:29Caleb Hammer?

  Do you know the long-term effects?

• 1:34:31Speaker 03

  No, but who does, who does right now?

• 1:34:33Speaker 04

  But also diabetes, like people have been using Ozempic for years.

• 1:34:37Speaker 03

  For diabetes though.

• 1:34:38Speaker 04

  For 20 years almost, it's been a thing.

• 1:34:40Speaker 03

  For diabetes.

• 1:34:42Speaker 04

  Yeah.

• 1:34:42Caleb Hammer?

  For the actual, actual reason. Do you have any pets? You just got the dog.

• 1:34:45Speaker 04

  Yes, we pay 110 for pets insurance.

• 1:34:49Caleb Hammer?

  110?

• 1:34:50Speaker 04

  Yeah.

• 1:34:51Caleb Hammer?

  How much for pet food?

• 1:34:52Speaker 04

  Um, I don't know how much he's, I do the dogs, he does the cats, so I think I pay like 80 bucks a month for dog food.

• 1:35:00Caleb Hammer?

  And you?

• 1:35:01Speaker 03

  Probably 100. You gotta factor in litter and

• 1:35:04Caleb Hammer?

  Anything else that needs to be in this budget that I've not put in?

• 1:35:07Speaker 04

  Hmm, no.

• 1:35:08Caleb Hammer?

  You know, budget as a household, I honestly, I'm just gonna emphasize it again, just one more time, and I do apologize if it's too much, but I really don't know if you guys should be together as life partners. I don't think you guys are bad people, except for the racism. But besides that, like, I think you guys are okay and you will find a better match and doesn't mean you guys are horrible.

• 1:35:32Caleb Hammer?

  Doesn't mean you failed, doesn't mean you're losers. Okay, listen, 4,800 essentially to live, I'll give you 200 dollars to fund, round it up to 5,000 to live. Okay, I'll give you 580 or 280 to live, so you have 2,000 left on a monthly basis.

• 1:35:47Caleb Hammer?

  So your debt is 30,822.27, but we're gonna minus the student loans. So minus 18,805.36, then minus yours at 3,301.20, so 8,000, okay, that's perfect. You're paying off debt in four months. Easy peasy. High incomers, I swear, they're so privileged, they're so spoiled, and it's the easiest situation in the world. You guys are Fully funded emergency fund in a few months and then you can trade away. It's so easy, guys. This is actually four months to pay off debt. One of the easiest in the show, if not the entire show. What the is wrong with you guys? Leave each other, get better partners. Cause you guys aren't it.

• 1:36:28Speaker 03

  We have to talk.

• 1:36:28Caleb Hammer?

  And that's fine. Yeah, talk about it. Someone's going to manipulate someone and then you guys are going to stay together. And then there can be resentment and just not the right partnership. But that's okay. Happens every day.

• 1:36:38Caleb Hammer?

  Going to call the mom of the post show and see what she thinks. Cause I bet she agrees with me, but let's get the hammer financial score first. I'm going to look through your search history as well. And your all's text messages, there's always shit in there. Okay. Spending in a budget. Zero out of 10. You ever spend debt?

• 1:36:56Caleb Hammer?

  That collections thing technically would bring it down, but it's not hitting your collections. I'll give you a one out of 10 being generous. Emergency fund. One out of 10 because you have like a thousand in retirement. Good for you.

• 1:37:07Caleb Hammer?

  But if we're going together dramatically brings it down five out of 10. Real estate is zero out of 10.

• 1:37:13Caleb Hammer?

  Hammer financial score, get yours at calebhammer.com. You guys are 1.5 out of 10. Join us in the post show, click hammer elite. You'll see their uh, drive home. We'll edit it down to see what the conversation actually ends up and see who manipulates who, how they still end up together, who knows how, but they will sadly for them. Join hammer elite, three shows a day, six days a week. See there, let's do what your mom thinks. Everything you said, I've kind of said as well. If they end up getting divorced, they have to pay me back for the wedding. I've lived through that with resentment, you know, being in relationships with that resentment. And it's not good. And so it is a big fear of mine. But I want to tell her now. Your mom's right. I have an exclusive offer just for you.

• 1:37:57Caleb Hammer?

  But there's only one week left to purchase. You'll get lifetime access to the entire hammer elite catalog and my hammer for life box packed with limited edition merch. Plus I just launched the brand new hammer elite app available on every major platform. To celebrate the app launch, I'm offering 30% off the annual plan in the month of June only. Download the hammer elite app by using the link in the description or pinned comment down below. This is the best membership you'll ever join and that's a promise.

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