He Needs To Divorce Her | Financial Audit

*I CALL HIS EMPLOYEE* and I fully expose his spending and behavior while he refused to pay. And guess what... shes a *single mother* watch the post show here: https://hamr.link/ytjoin *OR* download the brand new Hammer Elite App ➡ https://hammerelite.com/#join (discounted annual) MY NEW FLAVOR IS FINALLY LIVE!! Get Liquid Assets *NOW* for under 40 cents per serving, up to 6 free gifts and 10% off your entire order with code CALEB - https://hamr.link/calebdrank 💰 Download Dollarwise - Big Deals, New Features, Free Trial: https://go.dollarwise.com/join Mid-year audience survey *4 people will win $250 each* take it here: https://forms.gle/a9neyA9aQUtFp6vM9 ============================= *Caleb Hammer Financial Resources* ============================= 👉 See if refinancing your high-interest debt saves money. Checking is free. → https://hamr.link/ytmoneylion2 👉 Get 5% Cash Back with Chime Card and qualifying direct deposits ➡ https://bit.ly/4bff5by 👉 Find and compare much better AND cheaper car insurance for free → https://www.moneylion.com/network/hammer-media/auto-insurance/search 👉 Finally experience relief from your debt once and forall → https://www.moneylion.com/network/hammer-media/debt-relief/explore ============================= 🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb 🔥 Get Your Own *Hammer Financial Score* → https://hamr.link/newquiz ============================= *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 NMLS #182334 nmlsconsumeraccess.org. APR for rates in the 5s start at 6.327% for well qualified borrowers. Call 866-574-2500 for details about credit, costs and terms. Visit https://AmericanFinancing.net/Hammer Average savings based on borrowers who save over $199.99 ============================= *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 ============================= *Extra Resources* ============================= 👉 Land a high-paying job with no experience or degree: ➡ https://coursecareers.com/CalebHammer 👉 Get FREE MONEY by investing with Public! https://secure.moneymatchup.com/public-caleb 👉 Find the best credit cards for you with my quiz! https://cards.calebhammer.com/yt 👉 Get $20 from Acorns for free: ➡ https://acorns.com/caleb 👉 Helium Mobile: Use promo code CALEB for a FREE plan ➡ https://hellohelium.com/ 👉 Protect your online privacy and security for free with Aura: ➡ https://aura.com/hammer ============================= *Chapters* ============================= 00:00 Intro 02:10 Jobs & Income 04:20 bro has SUPER nut 05:45 hes not paying his employees.. 09:19 ah yes, lets draw out how stupid you are lol 15:00 chat, we got dumb and we got dumber 17:55 oh. they both get physical... A LOT. 43:30 chat, do you think they handle their finances well? 45:40 button pusher on VA disability... hmm. 48:08 HE GAVE ALCOHOL TO MINORS WHILE OVERSEAS??? 59:48 theyre behind on the mortgage.. 01:14:30 calebs sanity is pushing it's limit loool 01:25:50 surely he will only spend on business related purchases!! 01:34:12 budget!! ============================= Want more content? ============================= 🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips 🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel 🍿 Caleb Hammer Top Videos https://www.youtube.com/@CalebHammerTopVideos ============================= *Connect with me!* ============================= TikTok: https://www.tiktok.com/@calebhammercomposer X: https://x.com/sircalebhammer IG: https://www.instagram.com/calebhammercomposer/ Facebook: https://www.facebook.com/calebhammercomposer/ ============================= *Want to be a guest on Financial Audit?* ============================= 👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply *Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. Sponsorship and business inquiries: [email protected] Learn more about your ad choices. Visit megaphone.fm/adchoices

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

• 0:00Speaker 00

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

• 0:29Caleb Hammer?

  To watch episodes of Financial Audit a week earlier, check us out on YouTube. So you guys were literally just endlessly, like, full, physical fighting?

• 0:37Speaker 02

  Yeah.

• 0:37Caleb Hammer?

  Until you called the cops.

• 0:38Speaker 03

  I told him, I said, "You're drunk, you're acting crazy. You need to go to bed." And then he said, "No, you don't tell me what to do."

• 0:44Speaker 02

  Is that when you tried to run out?

• 0:46Speaker 03

  After you slapped me, yeah.

• 0:48Speaker 02

  She was trying to leave.

• 0:50Speaker 03

  He chased me.

• 0:51Speaker 02

  Whatever o'clock at night, with her suitcases, trying to get out the door.

• 0:55Caleb Hammer?

  Okay, so let her.

• 0:56Speaker 02

  No.

• 0:57Caleb Hammer?

  So your kid was there and you literally punched him?

• 0:59Speaker 03

  Yes.

• 0:59Caleb Hammer?

  And then you punched her?

• 1:00Speaker 02

  Yes.

• 1:01Caleb Hammer?

  Where'd you punch her?

• 1:01Speaker 02

  Face.

• 1:04Speaker 03

  No, I told him, I said, "You need to kill me today. I can't do this anymore."

• 1:07Caleb Hammer?

  What happened in this third instance, though?

• 1:10Speaker 02

  I shut the door, I grabbed the gun, she was getting a knife.

• 1:12Caleb Hammer?

  You what? The IRS is going to eat you alive at some point, and you will deserve every moment of it. And I can't wait, especially since I'm subsidizing your household. You pathetic, bald piece of shit. I just launched Liquid Assets, my official Gamersub's flavor, raspberry apple, at less than 40 cents a serving. It's also zero sugar and under one calorie. Use code CALEB for 10% off your entire order. Oh, and one out of every 10 tubs has my face printed right on it. Grab Liquid Assets at gamersubs.gg/caleb or at the link in the description in pinned comment below. This is the best drop Gamersubs has ever run. A link in the description.

• 1:54Speaker 02

  Hi, I'm Mike, I'm 36 years old.

• 1:56Speaker 03

  I'm Maileen, I'm 33-year-old. We're from Tomball, Texas.

• 1:59Speaker 02

  And this is Financial Audit.

• 2:02Caleb Hammer?

  Welcome, guys. Listen, everyone in our little document right here was like freaking out that we'd be getting too racist with the word "Maileen." I don't even know what's racist about it. You're just Asian. It's an Asian-sounding name, what's racist? Is that racist? Are we being racist right now?

• 2:17Speaker 04

  We are Chinese people. Hello, please.

• 2:21Speaker 03

  No, we're just... Because I'm smarter than him, that's it?

• 2:25Caleb Hammer?

  Well, I would assume.

• 2:26Speaker 02

  That's pretty racist.

• 2:27Speaker 03

  No, it's not.

• 2:28Caleb Hammer?

  Well...

• 2:29Speaker 03

  It's not racist, it's the own kind.

• 2:31Caleb Hammer?

  If it's pattern recognition, and she is Asian, and I recognize that pattern.

• 2:37Speaker 03

  Yeah, my ancestry dot com says I'm 98% Asian, so...

• 2:40Caleb Hammer?

  We're surprised, we're shocked, we're stunned. Okay. Well, thanks for coming in from Tomball, north of Houston, an hour, I've never heard of it. So, it should be a relatively cheaper place to live. What do you do for a living, Mike?

• 2:55Speaker 02

  I own a pet waste removal company.

• 2:57Caleb Hammer?

  Sure, oh, poop scoop.

• 2:59Speaker 02

  Poop scooping.

• 3:00Caleb Hammer?

  Poop scoop, I get them coming by a couple times a week. It's good. Listen, I pay my a decent amount of money for that luxury.

• 3:05Speaker 02

  Yes.

• 3:06Caleb Hammer?

  So I hope you're making good money. You own the business, how many employees you got?

• 3:09Speaker 02

  Two.

• 3:10Caleb Hammer?

  Okay, okay, so this might be doing something. Maileen?

• 3:13Speaker 03

  Uh, stay-at-home mom.

• 3:14Caleb Hammer?

  This is doing something? Oh, okay, well, that's good.

• 3:16Speaker 02

  Well, she's kind of my employee.

• 3:17Speaker 03

  Yeah, I did the marketing and all that, and like ordering supplies and all that for him. So kind of like the back end, and then he...

• 3:25Caleb Hammer?

  How frequently? I can't tell, are you... I hear like Asian, then I hear ghetto, then I hear southern. What are you?

• 3:31Speaker 02

  There was British when I met her. Very British accent.

• 3:35Speaker 03

  Well, we moved, we were in Umball, and then we moved to, what, Cypress? Like, more city, near, closer to the city.

• 3:42Speaker 02

  Cypress, Tomball.

• 3:43Speaker 03

  And then Tomball, no.

• 3:44Caleb Hammer?

  Okay, why does that make her British?

• 3:46Speaker 02

  No, when I met her, she learned from a British guy.

• 3:48Speaker 03

  Yeah, yeah, my teacher.

• 3:50Caleb Hammer?

  Where the fuck are you from?

• 3:51Speaker 03

  Taiwan.

• 3:55Caleb Hammer?

  Okay, want to shop him?

• 3:56Speaker 02

  Yes.

• 3:58Speaker 02

  Yeah, for Asian.

• 3:59Caleb Hammer?

  Okay, usually they bring back a skinny one, but... You did have kids?

• 4:05Speaker 03

  Three.

• 4:05Speaker 02

  Yes.

• 4:06Caleb Hammer?

  Whoa, okay, what are the ages of your kids?

• 4:08Speaker 03

  Well, I have three, he has five.

• 4:09Caleb Hammer?

  What the fuck is wrong? Dude, you're bustin'.

• 4:12Speaker 02

  Yeah.

• 4:13Caleb Hammer?

  What? Well, okay, where's, what's the previous kids?

• 4:18Speaker 02

  Uh, ex-wife.

• 4:18Caleb Hammer?

  Ah, okay, so you've been married before?

• 4:20Speaker 02

  Yes.

• 4:21Caleb Hammer?

  Are you guys married?

• 4:22Speaker 02

  Yes.

• 4:22Caleb Hammer?

  How long have you guys been married?

• 4:24Speaker 03

  Hmm, 11?

• 4:25Speaker 02

  11.

• 4:27Caleb Hammer?

  Guys, this is a long marriage for Financial Audit. That's kind of exciting. How old are... Oh, okay, all the kids?

• 4:35Speaker 03

  Um, 19.

• 4:36Speaker 02

  19.

• 4:37Speaker 03

  17, 8, 7, and 1 and 1/2.

• 4:42Caleb Hammer?

  Okay, so the younger ones are gonna be you guys.

• 4:44Speaker 02

  Yes.

• 4:44Caleb Hammer?

  I'm assuming. Okay, jeez, dude, yeah, you're, you're producing like crazy.

• 4:48Speaker 02

  Yes, I want one more.

• 4:50Caleb Hammer?

  You want one more?

• 4:51Speaker 02

  One more.

• 4:56Speaker 02

  If it'll come out.

• 4:57Caleb Hammer?

  Yeah. If it'll come, what does that mean?

• 4:59Speaker 02

  Uh, I don't know, well, we've been trying, but...

• 5:01Speaker 03

  Oh, he's been trying.

• 5:03Speaker 02

  Yeah.

• 5:03Caleb Hammer?

  Are you consenting?

• 5:05Speaker 02

  I let it marinate.

• 5:06Speaker 03

  I mean, in the moment, yeah.

• 5:08Caleb Hammer?

  Oh, well, everyone wants, everyone wants it inside in the moment. That's why we just don't listen. We don't listen to our brain, our dick, and the woman.

• 5:18Speaker 03

  Speak for yourself, motherfucker.

• 5:19Caleb Hammer?

  I mean, everyone wants it. Everyone says, it's like, oh, okay, no, I don't need to reenact. We all know what it means.

• 5:27Speaker 03

  I mean, yeah, I mean, if it's a girl, but we've got three boys.

• 5:30Caleb Hammer?

  I don't think you really get the choice when he busts.

• 5:34Speaker 03

  Yeah, I know.

• 5:35Caleb Hammer?

  Okay, okay, well, Mike, please be making a lot of money, because this is a lot of kids with even more coming, potentially.

• 5:43Speaker 02

  Yes.

• 5:44Caleb Hammer?

  How much do you make?

• 5:45Speaker 02

  Uh, 9,000 a month.

• 5:48Caleb Hammer?

  Okay, is that what the business makes, or is that what you take home?

• 5:51Speaker 02

  Uh, that's what I'm trying to take home.

• 5:53Caleb Hammer?

  Okay, trying, trying versus taking home. What, what's the laugh? No, tell me the number, what are you laughing about? How, what was so funny about that?

• 6:01Speaker 02

  Because...

• 6:02Caleb Hammer?

  What was the joke? What was the joke I said?

• 6:04Speaker 02

  I, I usually, well, I haven't been paying myself, really. I, like, I just separated the business finances from the personal finances.

• 6:13Caleb Hammer?

  You're not doing shit.

• 6:14Speaker 02

  I started doing an owner's withdrawal.

• 6:17Caleb Hammer?

  When?

• 6:18Speaker 02

  Uh, this month.

• 6:19Caleb Hammer?

  What even, how have you been paying bills?

• 6:21Speaker 02

  Yeah, last month, uh, just, uh, I'm, well...

• 6:25Speaker 03

  Everything comes off from business.

• 6:26Speaker 02

  Yeah.

• 6:27Caleb Hammer?

  I'm being told you're literally behind on payroll right now.

• 6:29Speaker 02

  Yes. Yeah.

• 6:31Caleb Hammer?

  How are you taking money out if you're behind on payroll? Payroll comes first. Your bills comes first, taking care of your employees comes first.

• 6:38Speaker 02

  Yes.

• 6:39Caleb Hammer?

  Yes, no, it sounds like you're taking money out.

• 6:41Speaker 02

  Well, so, I'm trying to pay myself more so we could pay the bills, like, trying to control the owner's withdrawal.

• 6:47Caleb Hammer?

  Isn't the bills paying your employees? If you hire people, they're your responsibility before you pay yourself.

• 6:53Speaker 02

  Yeah, and that's most important after the, after the bills.

• 6:57Caleb Hammer?

  Well, no, no, their pay actually does come first. That's your responsibility as a business owner. That is the first and foremost, most important thing, is paying your employees.

• 7:12Caleb Hammer?

  You don't just not pay them, so you can pay your bills that are likely more expensive than you can afford because you chose to do that.

• 7:18Speaker 03

  Well, he started reading his Profit First book, so it's kind of like...

• 7:23Caleb Hammer?

  Huh?

• 7:24Speaker 03

  Profit First, was that the book?

• 7:26Speaker 02

  Yes.

• 7:26Caleb Hammer?

  Wait, wait, wait, okay.

• 7:27Speaker 02

  Profit First, where I'm taking...

• 7:29Caleb Hammer?

  Oh, you read a book, Profit First?

• 7:31Speaker 02

  Yes.

• 7:31Caleb Hammer?

  Okay, what did this book teach you? Profit First, that doesn't make, no, the profit is what is there at the...

• 7:37Speaker 02

  No, not at the end, it's at the beginning.

• 7:41Caleb Hammer?

  Okay, yeah, explain, I guess I haven't read Profit First.

• 7:43Speaker 02

  Easy, easy way to explain it is if you have, if you go by profit first, you take your profit first, and that's, say it's 5%, uh...

• 7:53Caleb Hammer?

  But what if that's not your profit margin?

• 7:56Speaker 02

  You make it your profit margin.

• 8:01Caleb Hammer?

  How?

• 8:02Speaker 02

  You either go up or down. If you, you start low, like 3%, 5%, if you can't start with that, then the business isn't profitable.

• 8:10Caleb Hammer?

  Yes, your business is probably a failure. Like, I understand.

• 8:13Speaker 02

  You can't, if, if, the human mindset, if you start with, um, income minus the expenses equals your profit, you're not gonna have any profit left, because that's on the back burner.

• 8:28Caleb Hammer?

  Okay, I have profit left, and I do that.

• 8:31Speaker 02

  But most people won't.

• 8:34Caleb Hammer?

  But you're not paying your employees.

• 8:35Speaker 02

  But if you go to...

• 8:36Caleb Hammer?

  You're behind on payroll.

• 8:37Speaker 02

  If you go to the, the, the person that does bookkeeping, or the, the, whoever you go through, and you say, oh, what was, they say, oh, congratulations, you were $13,000 in profit. And then you say, where is it?

• 8:50Caleb Hammer?

  What, what are you talking about? Uh, what do you mean?

• 8:54Speaker 02

  Most people's profit's not real, because then you say, where's the profit?

• 8:57Caleb Hammer?

  None of this makes sense to me. What am I missing? What am I missing here? Can your quant...

• 9:03Speaker 03

  There's a, there's like a weird, like a chart that, from that book, and like, you make a certain amount, within certain amount is how, how much percentage, and then...

• 9:14Speaker 02

  Oh, just, just put a little profit to the side.

• 9:17Caleb Hammer?

  What are you?

• 9:18Speaker 02

  And, and then, you have your owner's withdrawal.

• 9:23Caleb Hammer?

  Yeah, go ahead and just draw for me. What's the silly little chart?

• 9:26Speaker 02

  Okay.

• 9:27Speaker 03

  I don't understand, so he does audit.

• 9:29Caleb Hammer?

  Aren't you the chart person? You're the chart expert, you guys invented charts.

• 9:33Speaker 03

  I know, I was the data, data analysis, but that thing I don't understand.

• 9:38Caleb Hammer?

  It shouldn't be pretty basic for a $15 book for...

• 9:42Speaker 02

  You got the job?

• 9:43Speaker 03

  Oh, yeah.

• 9:44Speaker 02

  Accounting?

• 9:45Speaker 03

  Cost accounting, yeah.

• 9:46Speaker 02

  Yeah, she bought the Accounting for Dummies book before she started the job.

• 9:53Speaker 02

  So you go, uh, so you have your real? No. Real, uh, income, right?

• 10:03Caleb Hammer?

  Define real income, just so we know what that means.

• 10:05Speaker 02

  Uh, uh, just your income.

• 10:12Speaker 02

  So say that's

• 10:13Caleb Hammer?

  Whose income? The businesses are yours?

• 10:15Speaker 02

  Yeah, yeah, yeah. Business income.

• 10:16Caleb Hammer?

  For sake, okay.

• 10:17Speaker 02

  Business income. You have 10,000 and then you start with profit. Oops. Sorry, I'm nervous.

• 10:24Caleb Hammer?

  Can't even spell profit. Not only are you not making it, you can't spell it.

• 10:27Speaker 02

  So

• 10:31Speaker 02

  profit.

• 10:33Caleb Hammer?

  Well, what's happening here? You're writing words. What's happening? Give me, give me an understanding of what's happening.

• 10:39Speaker 02

  So you take your income, you have to do profit first.

• 10:43Caleb Hammer?

  Okay.

• 10:44Speaker 02

  Five percent.

• 10:45Caleb Hammer?

  Sure.

• 10:45Speaker 02

  You just take your five percent, you put that in a bank account, right?

• 10:48Caleb Hammer?

  Okay, lower margin business. Gotcha.

• 10:50Speaker 02

  Okay.

• 10:50Caleb Hammer?

  I don't know how we're having a low margin business on picking up poop.

• 10:54Speaker 02

  No, five percent's low. That's the problem.

• 10:56Caleb Hammer?

  That would be a problem for picking up poop.

• 10:59Speaker 02

  Yeah. You have your expenses and then you have your owner's withdrawal.

• 11:04Caleb Hammer?

  What's your expenses? Labor?

• 11:07Speaker 03

  Yeah.

• 11:07Caleb Hammer?

  And maybe gas reimbursement?

• 11:09Speaker 02

  Gases a lot, uh, bags. Bags are, uh, a lot. Gloves. Gloves are like a dollar a piece. Each job is a dollar gloves. And bags are 30 cents a piece. And then chemicals. You have spray to deodorize and sanitize the yard. That's like 300 bucks a month.

• 11:26Speaker 03

  And ads?

• 11:27Caleb Hammer?

  What are you getting per, per pick?

• 11:30Speaker 02

  Uh, about 21.

• 11:32Caleb Hammer?

  So that 5% margin makes no sense. What's the labor cost? What are you paying your people?

• 11:37Speaker 02

  Uh, the, I have a full time that's 20 an hour and a part time that's 15 an hour.

• 11:41Caleb Hammer?

  And they're just picker uppers?

• 11:43Speaker 02

  Yes.

• 11:43Caleb Hammer?

  Are you picking up?

• 11:44Speaker 02

  Yes.

• 11:45Caleb Hammer?

  How many, how many places are they picking up an hour?

• 11:48Speaker 02

  Uh, about two and a half.

• 11:49Caleb Hammer?

  Your 5% makes no sense here. And I know you say that's low, but you should be able to hit it right now. But if you're able to, you should not be behind on payroll. Where's this money going?

• 11:58Speaker 03

  I don't know.

• 11:59Speaker 02

  Uh, well, uh, so my owner's withdrawal is a lot.

• 12:03Caleb Hammer?

  Um, but why? Reach with?

• 12:07Speaker 02

  Because of the, the past debt.

• 12:09Caleb Hammer?

  On the business?

• 12:10Speaker 02

  No, personal.

• 12:11Caleb Hammer?

  But, but no, no, no, no, that doesn't make sense for why the owner withdraws a lot. You made choices, so you're taking more money out of the business, but you're behind on payroll. You withdraw after you pay everyone. You pay yourself after. I pay myself a lot of money because the business does well, but only after I pay everyone. Twice a month.

• 12:30Speaker 02

  Yes. But

• 12:34Caleb Hammer?

  What?

• 12:35Speaker 02

  I, I, they've gotten their pay. I don't owe them.

• 12:37Caleb Hammer?

  What? No, you're behind on payroll.

• 12:39Speaker 02

  Yeah, it's behind, but

• 12:41Caleb Hammer?

  What are you talking about then?

• 12:42Speaker 02

  The first is coming up, so I charged the invoices on the first.

• 12:46Caleb Hammer?

  Okay, you're doing a 47% owner's draw right now.

• 12:49Speaker 02

  Yes.

• 12:49Caleb Hammer?

  Yeah, I mean, that might not meet the margin. I feel like you're closer to like 30%. Is what you can take.

• 12:57Speaker 03

  Owner's withdrawal?

• 12:59Caleb Hammer?

  That's what he pays himself.

• 13:01Speaker 02

  Yeah.

• 13:01Speaker 03

  Oh, I just, I just swipe.

• 13:04Caleb Hammer?

  What? No, from the business.

• 13:07Speaker 02

  From, yeah, 47% owners.

• 13:09Caleb Hammer?

  How long have you been here?

• 13:10Speaker 03

  Um, 11?

• 13:13Speaker 02

  No.

• 13:13Caleb Hammer?

  You understand what I'm saying then?

• 13:15Speaker 03

  Yeah, yeah.

• 13:16Caleb Hammer?

  I didn't ask how much you're swiping.

• 13:18Speaker 05

  As first reported by the New York Times, the Chinese government has deployed spies inside the US.

• 13:23Speaker 03

  I said, I don't know about the amount. I just, if there's, the money's there, I swipe.

• 13:28Caleb Hammer?

  I'm talking about how much he's pulling from the business lady.

• 13:31Speaker 03

  Oh, I don't know.

• 13:33Caleb Hammer?

  So it's a sugar daddy situation? Did it start as a sugar daddy situation?

• 13:37Speaker 03

  Starting, yeah.

• 13:38Caleb Hammer?

  Did it really?

• 13:39Speaker 03

  Wait.

• 13:40Caleb Hammer?

  Huh?

• 13:40Speaker 03

  Starting. He'd start.

• 13:42Caleb Hammer?

  Just this year? No, no, 11 years ago.

• 13:44Speaker 03

  No.

• 13:45Caleb Hammer?

  What?

• 13:46Speaker 02

  No, I was working at like Best Buy.

• 13:47Speaker 03

  I was sugar mommy.

• 13:49Caleb Hammer?

  Oh, okay.

• 13:50Speaker 02

  She has a college degree.

• 13:52Speaker 03

  It doesn't matter.

• 13:52Caleb Hammer?

  Doesn't always mean everything, but I, like, yeah.

• 13:55Speaker 03

  That's what I told him.

• 13:55Caleb Hammer?

  Well, it can.

• 13:57Speaker 02

  I, so my mindset, whenever, if we go to the beginning of us, I get an Asian and you get rich.

• 14:06Caleb Hammer?

  Well, you guys are in a lot of debt, so that didn't work.

• 14:08Speaker 02

  Yeah.

• 14:09Speaker 03

  It's not because of me.

• 14:10Speaker 02

  But we, I mean, we lived rich.

• 14:11Speaker 03

  Yeah, some of it because of me, but

• 14:14Speaker 02

  Some.

• 14:15Speaker 03

  Some, but if he would just get a different job, we wouldn't have be

• 14:22Caleb Hammer?

  Is that the issue? Or is he just taking too much money out of the business and he's not sustaining it?

• 14:26Speaker 03

  Well, the business doesn't

• 14:27Caleb Hammer?

  The cycle that's

• 14:29Speaker 03

  The business didn't start till, I think it's like end of 2024, Our Third One's Born. Um, before he was doing, he was working retails.

• 14:38Caleb Hammer?

  Okay, so the other job he would get would also, he wouldn't make much.

• 14:41Speaker 02

  No.

• 14:42Speaker 03

  No. No, it's, especially towards the end.

• 14:45Caleb Hammer?

  You get a fucking job.

• 14:47Speaker 03

  I did.

• 14:47Speaker 02

  She had one. I told her to quit.

• 14:49Caleb Hammer?

  Why? Cause yeah, you have a lot of kids at home, but

• 14:52Speaker 02

  Yeah.

• 14:52Caleb Hammer?

  Is that it?

• 14:53Speaker 02

  Uh, we wanted to homeschool them and also I was paying a lot of money for ads. And, but she took over the ads, so.

• 15:01Speaker 03

  I've been working since, since I moved here.

• 15:04Caleb Hammer?

  We need you to make money. You're not gonna pay her. Like, you're still taking the withdrawal, so.

• 15:07Speaker 02

  Yes.

• 15:08Caleb Hammer?

  Okay, we gotta pause real quick. The babysitter has a question.

• 15:13Caleb Hammer?

  Okay, so, listen, I understand with how the money's going now, you've taken it over, but she was running it in the past. So why'd you take it over? Well, first, well, how were you managing it in the past? What was it like?

• 15:24Speaker 03

  Um, I actually had a spreadsheet and I actually had to tell him like, hey, this is going through, how much is going through, we only have this left, so you only have this amount to spend, but

• 15:37Speaker 02

  She had a spreadsheet that I didn't understand. It was like a Google.

• 15:42Speaker 03

  He didn't want to understand the spreadsheet. He didn't, we asked, I, I tried to sit down with him to go through it. I, I used that spreadsheet for I think over four years. Um, I asked him multiple times to go through with me, so he knows what's going on. I don't have to keep telling him.

• 15:58Caleb Hammer?

  Okay, I'm being told those, they put a lot of stress on you though, in the relationship?

• 16:02Speaker 02

  Hmm.

• 16:03Caleb Hammer?

  You were just like, I guess getting like ultra stressed? What does that even mean? Oh, it's so stressful.

• 16:09Speaker 03

  It was so, we initially, we stayed with his parents and, um, we got one kid and the second kid's born and when the, when the, when COVID hit, we started working from home and his shift was a little weird. It was like one to 10.

• 16:28Caleb Hammer?

  Okay.

• 16:28Speaker 03

  And I have to be at the meeting at 9:00 AM in the dark, so I would get the kids ready before nine o'clock and wake him up to watch the kids while I'm in the meeting. But he refused to.

• 16:41Caleb Hammer?

  Why? Why won't you step up and take care of your kids?

• 16:44Speaker 03

  He would usually say, my shift doesn't start at one. Why don't you, why am I waking up right now? Go tell, uh, send the kids to my mom.

• 16:53Speaker 02

  She wanted me to wake up at like eight o'clock. But my shift was from one to 11 or one to 10, whatever it is.

• 17:01Caleb Hammer?

  So?

• 17:01Speaker 03

  I know.

• 17:02Caleb Hammer?

  Wake up and take care of your kids? What? What was he doing instead?

• 17:08Speaker 03

  Game. He games at night. And

• 17:11Caleb Hammer?

  Well, that's, I like, I also enjoy playing a video game.

• 17:15Speaker 02

  Mm-hmm.

• 17:16Caleb Hammer?

  That's fun. When he got kids to take care of and she's burning out, why can't you step the fuck up, man?

• 17:23Speaker 03

  Cause, uh, mom's home. Mom's still there.

• 17:28Speaker 02

  No, we had, we had, because mom's there.

• 17:31Caleb Hammer?

  Yeah, but if she's asking for you to step up, why won't you? She, your wife.

• 17:35Speaker 02

  We had help in the house, though.

• 17:36Caleb Hammer?

  But she's asking you to step up, so why didn't you?

• 17:39Speaker 02

  But there was other people that could step up.

• 17:41Speaker 03

  There's no other people, because, uh, his mom is taking care of his grandma who, she passed away, but who had dementia. And his dad's a registered nurse, so his dad's working all the time, so I feel bad leaving her, the kids, to take care of because she had to, there was one incident that, um,

• 18:01Caleb Hammer?

  Were you crying? What, what is that for?

• 18:03Speaker 03

  Oh, earlier, yeah.

• 18:05Caleb Hammer?

  You were crying before we started?

• 18:07Speaker 03

  It's, it's a sensitive

• 18:09Caleb Hammer?

  What is?

• 18:09Speaker 03

  It's just stress. It's like, back when I, uh, think about the stress back then, it's just, uh, it gets me just really upset, like I have to be upset again.

• 18:20Caleb Hammer?

  What happened?

• 18:21Speaker 03

  Um, it's just, uh,

• 18:24Caleb Hammer?

  Being told you kind of blew up, what?

• 18:25Speaker 03

  Oh, yeah, that blew up.

• 18:27Caleb Hammer?

  What? Well, I mean, so I've had arguments with my girl as well. What did you say?

• 18:35Speaker 03

  Well, the one kind of like, uh, physical?

• 18:40Caleb Hammer?

  And with physical? Who was physical?

• 18:42Speaker 03

  I'm being physical.

• 18:43Caleb Hammer?

  You were physical?

• 18:44Speaker 03

  Yeah.

• 18:45Caleb Hammer?

  What the fuck did you do?

• 18:46Speaker 03

  So

• 18:47Speaker 00

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

• 19:16Speaker 03

  Oh, the first time was the time I tried to wake him up to take care of the kids and he refused and

• 19:24Speaker 03

  um, I, he literally laid in bed and

• 19:28Speaker 02

  That was, but I was working one to 11. And

• 19:31Caleb Hammer?

  Okay.

• 19:32Speaker 02

  And

• 19:32Caleb Hammer?

  And what does that have to do with anything?

• 19:34Speaker 02

  Cause if, if I'm working one to 11, I don't, I don't have to work, wake up at eight.

• 19:39Caleb Hammer?

  Okay, so, okay, so what, what did you do? Physical?

• 19:43Speaker 03

  Well, so I always said like, I could, well, I started physical five, but

• 19:49Caleb Hammer?

  No, what did you do?

• 19:50Speaker 03

  I was banging him like a donkey Kong, basically. I

• 19:56Caleb Hammer?

  She was punching?

• 19:58Speaker 03

  Yeah, I, I

• 19:59Caleb Hammer?

  Just out of nowhere?

• 20:00Speaker 03

  No, I pull his blanket, right? I pull his blanket. I say, you need to get, you're gonna get the fuck up and wash the kids, cause I fed the kids. I changed your diaper. They're all good to go. They're clean. They just need someone to watch them. But he refused, so I pulled the blanket and then he pulled the blanket back up. I say, I need you to get the fuck up.

• 20:19Speaker 02

  Three other adults in the house, though.

• 20:20Caleb Hammer?

  Okay, but, but she started hitting you? Like what hitting you?

• 20:23Speaker 03

  Okay, so I pulled the blanket and then he got pissed off. He jumped straight in my face, like this close. Like, literally like his nose about to touch my nose, so I, my reflection just

• 20:35Caleb Hammer?

  Why'd you do that? Why'd you get all up in her face?

• 20:38Speaker 02

  Cause it was like 30 minutes of her trying to get me out of bed, yelling at me.

• 20:42Speaker 03

  Uh, yeah, he, and like, usually, like, I don't, I'm not trying to justify what I did, but usually when it started is whenever he get really close to my face and what's more upsetting is he would say, no, I didn't do it.

• 20:59Speaker 03

  Cause when, back when we were dating, he actually did it one time. I, and

• 21:03Caleb Hammer?

  What, got in your face?

• 21:05Speaker 03

  No, it's more than that. He actually, he got drunk and then he was on top of me and then started slapping me.

• 21:15Caleb Hammer?

  What?

• 21:17Speaker 03

  And I had, I bit him on the shoulder to

• 21:22Speaker 03

  to, to get him like to stop.

• 21:24Caleb Hammer?

  Wait, wait, wait.

• 21:24Speaker 03

  I mean, I know I'm like, I'm, I'm a big Asian.

• 21:27Caleb Hammer?

  Hold on, wait, wait, wait. What about being drunk makes you want to pin her down and start hitting her?

• 21:32Speaker 03

  I, I think that time, cause I told him, I said, you're drunk, you're acting crazy, you need to go to bed. And then he said, no, you don't tell me what to do.

• 21:40Speaker 02

  Is that when you tried to run out?

• 21:42Speaker 03

  After you slapped me, yeah.

• 21:44Speaker 02

  Yeah.

• 21:45Speaker 03

  I bit his shoulder and then I ran out and he, he chased me.

• 21:50Speaker 02

  She was trying to leave.

• 21:51Speaker 03

  He chased me.

• 21:52Speaker 02

  Whatever o'clock at night with her suitcases, trying to get out the door.

• 21:57Caleb Hammer?

  Okay, so let her.

• 21:58Speaker 02

  No, we didn't live in a good area. And she was brand new here. She had just came here from Taiwan.

• 22:04Speaker 03

  Well.

• 22:05Caleb Hammer?

  Dude, she fucking swung glucky on the streets of Taiwan. She could survive in the suburb of an outer borough of Houston.

• 22:14Speaker 02

  No.

• 22:16Speaker 03

  But she, yeah, she, so he chased me down the hall. And I got scared because I thought he was gonna attack me more.

• 22:22Caleb Hammer?

  Yeah, well, before that, what do you mean slapping you while you're sitting down? Was it just like actually like?

• 22:28Speaker 03

  No, he was like, like this, back and forth.

• 22:30Caleb Hammer?

  Like silly?

• 22:31Speaker 03

  No, heart, no, like heart. And then he was sitting on top of me and started slapping me. And then, so that was the first time and then that was before I ever.

• 22:40Caleb Hammer?

  So, but you're running down the hall then?

• 22:43Speaker 03

  Yeah, and then he chased me and then acting scary because I was, well, I was from the childhood. My dad used to physically abuse my mom, like chasing her or hit my mom with a fan.

• 22:57Caleb Hammer?

  No, I haven't used that one yet. Let me, I'm, I'm gonna use that as my next one.

• 23:01Speaker 03

  My dad used industrial fan to hit my mom.

• 23:03Caleb Hammer?

  An industrial one?

• 23:04Speaker 03

  Not the little one.

• 23:06Caleb Hammer?

  I gotta upgrade my abuse.

• 23:07Speaker 03

  Yeah, and then my mom had a, what was that? My dad had a knife against my mom's throat and my, all that, so people chasing. Yeah, so people chasing, scary. I turned around, I saw the island, I grabbed, I turned around, I grabbed a, like a fork and say, I didn't even grab a knife, I grabbed a fork, I said, you need to stay the fuck away from me.

• 23:27Caleb Hammer?

  I know the first thing you think about every day is grabbing a fork.

• 23:31Speaker 03

  But, yeah.

• 23:31Speaker 02

  Or chopsticks.

• 23:33Speaker 03

  Stop. But I told him, I was like, you need to get away from me. And then he started laughing, like, what the fuck are you gonna do? What the fuck are you gonna do? And then I was like, I'm just gonna go to the backyard and leave me the fuck alone. And his parents were out of town, so it was just us. So I slipped through that night.

• 23:52Caleb Hammer?

  All because you told him, because she told you to go to bed?

• 23:56Speaker 02

  Wake up.

• 23:57Speaker 03

  No, it's a different thing.

• 23:59Caleb Hammer?

  This was when you were drunk and she said, go to bed.

• 24:00Speaker 02

  Yeah.

• 24:03Speaker 02

  Yeah.

• 24:04Speaker 03

  Yeah, so.

• 24:04Caleb Hammer?

  What? But I've never personally started abusing my girl because she said, went, go to bed.

• 24:11Speaker 03

  Yeah, I, I don't know. He was, he was drunk and then I just, I wanted to get away. So I spent the night at the, in the backyard. And then he woke up and then I said, oh, you did this and that. He said, well, I don't remember, you're lying. I said, your shoulder is bit, it's bruised. And he was like, what the fuck would you bit me? And then I was like, no, you attacked me first. I mean, I think abuse is abuse.

• 24:34Caleb Hammer?

  Well, okay, so he got in your face at the house the next time and then your instinct was?

• 24:40Speaker 03

  Just, I gotta fight back.

• 24:42Caleb Hammer?

  So what did you do?

• 24:43Speaker 03

  I pushed him and then sit on top of him, I start like, like pounding him.

• 24:50Caleb Hammer?

  What? Where? On his chest?

• 24:52Speaker 03

  Yeah.

• 24:53Caleb Hammer?

  What the, that's what interesting.

• 24:55Speaker 03

  His chest and I think ribs.

• 24:58Caleb Hammer?

  You were just laying there?

• 25:00Speaker 02

  Yeah.

• 25:00Speaker 03

  I get, I get really strong when I was upset.

• 25:04Speaker 02

  The, the, the first one, I was, I was super drunk, but not, not defending it, but.

• 25:10Caleb Hammer?

  Sounded like you're trying.

• 25:11Speaker 02

  I was, I was super drunk, that, that's, that's the reason I acted like that. But with, with this one, um, I'm not gonna fight back or anything, uh, but yeah.

• 25:21Caleb Hammer?

  Well, no, that's why I think you can fight back actually when you're under attack.

• 25:25Speaker 02

  Yeah.

• 25:25Caleb Hammer?

  I just, uh, I don't think anyone should hit each other first, but especially as a man, you shouldn't get on her and start slapping her. But I think yes, if someone is attacking you, you can attack back.

• 25:33Speaker 02

  But I didn't. That's where, that's where it messed up my ribs.

• 25:37Caleb Hammer?

  Oh, wait, but then I, okay, then there was another incident.

• 25:41Speaker 00

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

• 26:11Caleb Hammer?

  I'm being told, what the, why was there another incident?

• 26:13Speaker 03

  Um, so that.

• 26:14Caleb Hammer?

  I guess he punched in this one. I'm gonna be real with you, your debt is not the same as everyone else's. You've got your own unique mix of credit cards, maybe some medical bills, personal loans and collections, whatever. Your interest rates are different, your payments are different, your life is different. So why do you need some one size fits all solution that treats you like a number? Some generic calculator that spits out, just pay more. As if you hadn't thought of that already. That's what sets PDS apart. They don't just look at your balance and say, good luck. They work to understand your specific scenario and help provide alternative solutions to becoming debt free. Whether you're struggling with credit cards, personal loans, collections or medical bills, PDS debt has customized options designed specifically for you. Not your neighbor, not some average case study, you. They've helped hundreds of thousands of people get out of debt.

• 26:58Caleb Hammer?

  And here's the thing, there's no minimum credit score required. They're not here to judge you, they're not here to shame you, they're here to help you get out and help you save more. Pay off your debt faster and start putting money back in your pocket. This is a company that is A plus rated by the Better Business Bureau, boasts thousands of five star reviews on Google and holds a five star rating on TrustPilot. That legitimately matters. Here's the thing, if I needed help paying off debt, this is exactly where I'd go for help. You're just 30 seconds away from being debt free with PDS Debt. Get your free assessment and find the best option for you right now at PDSDebt.com/hammer. That is PDSDebt.com/hammer, PDSDebt.com/hammer. You suck with money, so you download a budgeting app. You start with the classic one, YNAB, but everyone just deletes it because it's way too complicated to use.

• 27:41Caleb Hammer?

  So you go to EveryDollar, that's Dave Ramsey, the personal finance guy, right? Well, they're gonna force you to use it his way. That's not very personal finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they wanna sell you in the end? Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like Dollar Wise. Built by these people just like you, for people just like you. No private equity, no gimmicks, just the best budgeting app there is. Download it now, start the free trial, DollarWise.com, link in the description below.

• 28:22Speaker 03

  Yeah, he did.

• 28:23Speaker 02

  Well, well, no, she punched first and then this time I defended myself.

• 28:26Caleb Hammer?

  Why? What happened? Why you guys so violent first?

• 28:31Speaker 03

  It's just like a, a long, a long time of having to take care of everybody from me and him.

• 28:38Caleb Hammer?

  What happened in this third instance though?

• 28:40Speaker 03

  The third instance is, um, uh, I got a new job. And I, I took, I think I took extra week off to get ready for the job. And then the kids happened to caught COVID, flu and strep throat, all three at one time. And then he caught it too. So him being sick, right? I cannot do anything. I'm not, I'm, I'm unable to get out of bed. That type of thing, but I needed.

• 29:07Speaker 02

  The kissing thing.

• 29:09Caleb Hammer?

  Oh, God, there's another one.

• 29:10Speaker 02

  With.

• 29:11Caleb Hammer?

  What's the kissing thing?

• 29:13Speaker 03

  Oh, no, no, no, no, there was.

• 29:14Caleb Hammer?

  Oh, that's another thing. Yeah, let's do that one later. Okay.

• 29:16Speaker 03

  Okay.

• 29:17Caleb Hammer?

  So what's this one?

• 29:18Speaker 03

  Second one, okay, so he was, everybody was sick. And then he was refused to get up and help me with the kids because I told him, I said, I gotta take the kids to go to the, the doctor and I was offering, I said, do you want me to drop you at the urgent care? Cause he was sick and then he said, no. And then, so I took the kids to go see a doctor and I dropped, I was gonna go pick up their medication. It started pouring, so I took them home. And then I woke him up nicely, I said, hey, can you please get up with the kids? Cause I gotta go get their medicine and it's pouring, I don't wanna bring them in Target and pick up their medicine.

• 29:55Caleb Hammer?

  Okay, I, again, just pause it a second.

• 29:59Caleb Hammer?

  Don't start swinging. Hearing this story, but continue.

• 30:04Speaker 03

  Okay, so well, you're gonna, you're about to start swinging. So anyway, so he did. Get up, right? So I said, okay, I told my kids, let me know. My oldest one said, let me know if anything, uh, if you need anything. Call me because I'll be in Target, pick up your medicine and I'll grab you, I'll grab your dad some extra medicine for him. So as soon as I arrived Target, I got a call from my oldest son. He said the baby, which was only four months, fell from the couch.

• 30:33Caleb Hammer?

  Oh, okay.

• 30:35Speaker 03

  And then I called him, I said, and I said, where's your dad? And he goes, oh, sleeping on the couch.

• 30:41Speaker 02

  With the baby.

• 30:42Caleb Hammer?

  That fell off.

• 30:45Speaker 02

  Sometimes babies fall.

• 30:46Speaker 03

  No.

• 30:47Speaker 02

  But it's, it's like a normal, not a crazy.

• 30:51Speaker 03

  No, it's enough.

• 30:53Caleb Hammer?

  She was supposed to be taking care of the kid, wasn't that the entire point?

• 30:57Speaker 02

  Yes.

• 30:58Caleb Hammer?

  Okay, so the baby fell.

• 30:59Speaker 02

  A little bit, like not, not crazy.

• 31:01Caleb Hammer?

  The couch.

• 31:02Speaker 03

  Yeah, he was only four months, so baby fell and I came home, I lost it and. I started attacking him, but then he was.

• 31:11Caleb Hammer?

  What was attacking him? No, I want details.

• 31:12Speaker 03

  Uh, I don't, uh, most of the attack, I don't really remember.

• 31:16Caleb Hammer?

  What was the attack? What'd she do to you?

• 31:21Speaker 02

  I don't know.

• 31:24Caleb Hammer?

  You guys, no, no, no, no, listen, this isn't that long ago, the kid.

• 31:27Speaker 02

  Was that?

• 31:28Speaker 03

  For me, it's either, it's, it's either, it's probably punching, usually.

• 31:34Speaker 02

  It's, yeah.

• 31:35Caleb Hammer?

  Guys, this happened in March of last year.

• 31:37Speaker 03

  No, no, no, this is in January last year and then the big one is.

• 31:41Caleb Hammer?

  Oh, there's another one.

• 31:42Speaker 02

  Yeah.

• 31:43Caleb Hammer?

  We didn't, okay, so, okay, so this time you just went in, you started punching.

• 31:47Speaker 03

  Yeah.

• 31:48Caleb Hammer?

  And you hit back?

• 31:49Speaker 02

  No.

• 31:49Caleb Hammer?

  That's the next one.

• 31:50Speaker 03

  Yeah, he was.

• 31:51Caleb Hammer?

  Okay, so this is the third, so this is the fourth one. Okay, so you started swinging, you're hitting him, you're beating him.

• 31:55Speaker 02

  Yes.

• 31:55Caleb Hammer?

  And eventually you calmed down, I guess.

• 31:57Speaker 03

  No, I told him, I said, I said, you need to kill me today, I can't do this anymore.

• 32:02Caleb Hammer?

  Well, he did not kill you. How did we de-escalate from this?

• 32:06Speaker 02

  Oh, no.

• 32:06Caleb Hammer?

  Violent relationship.

• 32:08Speaker 03

  Cause my kid came in and I jumped up.

• 32:10Speaker 02

  I know, I held you down and you started hyperventilating. And then the kid came in and we both jumped up.

• 32:18Speaker 03

  Yeah, I do that whenever I get like really, really stressed, really upset.

• 32:21Caleb Hammer?

  Well, if you start beating someone, yeah, your adrenaline is gonna be all the way up. So what was the fourth one then?

• 32:27Speaker 03

  Well, the fourth one. Was whenever, I think he, he had to take his kids home. Uh, it's all the way.

• 32:36Caleb Hammer?

  Yeah, yeah, that's right.

• 32:37Speaker 03

  All the way from, all the way to like Willis, Texas, so it was like fifty minute drive.

• 32:41Caleb Hammer?

  Okay.

• 32:41Speaker 03

  And I had a baby with me and with my friend in the house, we're just chit chatting. And the baby fell asleep in my arm and then as soon as he got home, he looked at me and he just gave me a look like. You didn't bathe the baby yet? And I was like. Well, I said, I don't know, he fell asleep. He said, well, you just got away for me to come home and bathe him, huh? And I was like.

• 33:04Caleb Hammer?

  Why don't you just walk in, be a.

• 33:06Speaker 02

  No, she, there, there's a lot of things that she does on purpose.

• 33:10Speaker 03

  Yeah, cuz I need you to do it. I need you.

• 33:13Speaker 02

  For me to do, yeah, so she goes, I need you to do it.

• 33:15Caleb Hammer?

  Tell me.

• 33:16Speaker 02

  So, uh, like the bathing thing, I walk in and. She makes it very obvious that she was just waiting for me to get home to bathe the baby.

• 33:24Caleb Hammer?

  What time was it?

• 33:25Speaker 02

  Like, stuff like that.

• 33:26Speaker 03

  Like eight, eight thirty.

• 33:28Caleb Hammer?

  Okay, well, I'm being told he has a very strict nine P M cutoff time for any responsibility or conversations with you or the kids, right?

• 33:35Speaker 03

  Yes, so nine P M.

• 33:36Caleb Hammer?

  Interesting rule. I don't know if you're allowed to make that rule, but okay, we were approaching his nine P M cutoff time.

• 33:45Caleb Hammer?

  Crazy.

• 33:45Speaker 02

  Well, that, that was a, uh.

• 33:48Caleb Hammer?

  So what happened?

• 33:49Speaker 02

  Compromise.

• 33:49Caleb Hammer?

  Oh. That was a compromise.

• 33:51Speaker 02

  Yeah, uh, uh, so. Our youngest son started freaking out about a whole different.

• 33:59Speaker 03

  No, no, that's second. The, the middle one.

• 34:02Speaker 02

  Oh, yeah, the middle one. Started freaking out from a whole, a whole different issue, but he freaks out, he like has like crash outs.

• 34:09Speaker 03

  Yeah, his.

• 34:10Caleb Hammer?

  Parents like kid.

• 34:12Speaker 03

  I mean, his crash out was a little bit like.

• 34:15Caleb Hammer?

  You guys are literally beating each other.

• 34:16Speaker 03

  I know.

• 34:17Caleb Hammer?

  This is the fourth domestic abuse we're talking about so far. Oh, I'm glad we laugh about it. That's, this relationship is gonna be incredible for the rest of our lives. Okay, continue though. The son was crashing out.

• 34:27Speaker 03

  He has to tell this part cuz.

• 34:29Caleb Hammer?

  Tell it. Sure.

• 34:30Speaker 03

  I was.

• 34:31Caleb Hammer?

  I'm just saying what happened.

• 34:33Speaker 02

  He was crashing out and.

• 34:39Speaker 02

  I wanted to separate. Everything. I, I, I was keeping my cool. I wasn't, I wasn't upset or angry. Uh, she was upset and angry.

• 34:50Caleb Hammer?

  Because of the.

• 34:52Speaker 02

  Cuz, cuz.

• 34:52Caleb Hammer?

  Cause you walked in.

• 34:53Speaker 02

  Yeah, so all of it led up to. Uh, me coming back home, it's late and I, I was like, why didn't you bathe the kid yet?

• 35:05Speaker 03

  I was working, by the way.

• 35:06Caleb Hammer?

  I feel like we're trying to be very delicate. Don't be, say it.

• 35:09Speaker 02

  Yeah.

• 35:13Speaker 02

  I just wanted to cool everything off and get her away and I would tell my son, you, you can't crash out like that, like they're like.

• 35:21Caleb Hammer?

  That usually settles a crash out. You can't crash out.

• 35:23Speaker 02

  Yeah. Um, but she, she was like, no, you can leave and I went.

• 35:31Caleb Hammer?

  To get in between. Missing a lot of steps cuz everyone sounds very nice so far. Um, what I was thinking of was, um, oh, fuck, I can't believe you've done this.

• 35:41Speaker 03

  Oh, it's coming up.

• 35:42Speaker 02

  So, so I tried, I, I tried to separate them. She thought I was getting in her face. And.

• 35:49Speaker 03

  Did get in my face cuz he was this close to my face.

• 35:52Caleb Hammer?

  Close that's in her face.

• 35:54Speaker 02

  My son was right there, so I had to get, I stepped in between them.

• 35:57Speaker 03

  No, he was.

• 35:58Speaker 02

  I'm like, hey, you can leave, you can leave, you're too hot right now. Let, let me, let me handle it.

• 36:05Caleb Hammer?

  Okay.

• 36:06Speaker 02

  And she was like, no, you're not gonna tell me what to do. And then it started to fight and then she punched, I punched. Uh, she choked.

• 36:14Caleb Hammer?

  What? No, no, a punch, like punch, punch.

• 36:17Speaker 02

  Punch.

• 36:17Caleb Hammer?

  You like beat him, like in the face.

• 36:19Speaker 02

  Yeah.

• 36:19Caleb Hammer?

  It's like I'm addicted to this shit. I don't know, I can't explain it to you. You're addicted to bitches punching you in the face? Why? Why would you punch?

• 36:25Speaker 03

  Cuz he got this close to my face and cussing me out.

• 36:28Speaker 02

  But I was telling her to get away from.

• 36:30Caleb Hammer?

  Neanderthals.

• 36:30Speaker 02

  Like, you're too hot, leave. Let me.

• 36:33Speaker 03

  No, you didn't say it nicely.

• 36:35Caleb Hammer?

  So your kid was there and you literally punched him?

• 36:38Speaker 03

  Yes.

• 36:38Caleb Hammer?

  And then you punched her?

• 36:39Speaker 02

  Yes.

• 36:40Caleb Hammer?

  Where'd you punch her?

• 36:40Speaker 02

  Face.

• 36:43Speaker 02

  It was punch, punch, face, face. And then push up against the wall, come back and punch. And then choke.

• 36:51Caleb Hammer?

  Choke, what's the choke? What, who choke who?

• 36:54Speaker 03

  Me.

• 36:55Speaker 02

  Yeah.

• 36:56Caleb Hammer?

  She choked you?

• 36:56Speaker 02

  No.

• 36:57Caleb Hammer?

  You choked him?

• 36:57Speaker 02

  Yes.

• 36:58Caleb Hammer?

  You're just sitting there just choking?

• 37:00Speaker 02

  Okay, yeah.

• 37:01Speaker 03

  I, I, I only remember like I told him, I said, I can't do this anymore. It's either you died today or me, like one of us has.

• 37:08Caleb Hammer?

  What is with you and death? And getting people killed.

• 37:12Speaker 02

  It was a.

• 37:12Caleb Hammer?

  In this house.

• 37:13Speaker 02

  It was a lot of years of.

• 37:15Speaker 03

  Yeah, it was a lot.

• 37:16Caleb Hammer?

  Domestic abuse back and forth, I would say so.

• 37:19Speaker 02

  Like me not, I wasn't helping out at all.

• 37:21Speaker 03

  He's like out of picture and then he will only show up when he's in good mood, but if he's in a bad mood. He would be with the kids and he would fall asleep on the couch.

• 37:30Caleb Hammer?

  Oh, I'm being told like the big snap happened to over discipline, over disciplining your second kid though.

• 37:36Speaker 02

  Yes. Cuz she was, I didn't want her to discipline him cuz he was crashing out.

• 37:41Caleb Hammer?

  She was over disciplining.

• 37:42Speaker 03

  I wasn't over.

• 37:43Speaker 02

  She was about to, I felt.

• 37:45Speaker 03

  Well, he felt I was about to, but I told him.

• 37:47Caleb Hammer?

  It was over disciplining for you, it's hitting.

• 37:50Speaker 03

  What, my, my kid?

• 37:51Caleb Hammer?

  Yeah.

• 37:52Speaker 03

  No, no, no, I, I talked to him. I, I.

• 37:55Caleb Hammer?

  That's over disciplining is talking?

• 37:56Speaker 02

  No, she was just too hot. I was like, hey.

• 37:58Speaker 03

  He failed that I was gonna over discipline. I said, no.

• 38:01Caleb Hammer?

  You mean hit?

• 38:02Speaker 02

  No, I don't think she'd hit him.

• 38:04Caleb Hammer?

  What's over disciplining?

• 38:04Speaker 02

  She was just like yelling too much.

• 38:06Caleb Hammer?

  Oh, she was screaming in his face, okay.

• 38:08Speaker 03

  Yeah, but I told him, I said, no, I need you to get out of room. I need to talk to him about it because it was.

• 38:14Speaker 02

  But you're too hot, you can't talk to him right now.

• 38:16Speaker 03

  Well, that's what you think.

• 38:17Speaker 02

  Like, I got my cool, so let me talk to him.

• 38:20Speaker 03

  You don't got.

• 38:20Speaker 02

  You're too hot, you can leave.

• 38:22Speaker 03

  I don't even trust, sometimes like I don't even trust him with the kids cuz he would jump and, jump in kids face too and yell at them.

• 38:29Caleb Hammer?

  How much you guys hit each other?

• 38:32Caleb Hammer?

  In that fight, how much did you guys hit each other?

• 38:34Speaker 02

  That one?

• 38:34Caleb Hammer?

  A lot.

• 38:35Speaker 03

  A lot.

• 38:35Speaker 02

  Yeah.

• 38:36Caleb Hammer?

  How long was the fight?

• 38:37Speaker 02

  Uh.

• 38:38Speaker 03

  I fronted, I got, I got arrested.

• 38:41Speaker 02

  Yeah.

• 38:41Caleb Hammer?

  What?

• 38:42Speaker 02

  Yeah.

• 38:43Caleb Hammer?

  Who called the cops?

• 38:44Speaker 03

  He did.

• 38:45Speaker 02

  I did.

• 38:45Caleb Hammer?

  You, you, so you guys were literally just endlessly, like full physical fighting.

• 38:50Speaker 02

  Yeah.

• 38:50Caleb Hammer?

  Until you called the cops.

• 38:52Speaker 02

  Uh, our son ran and got the neighbor, neighbor came.

• 38:54Caleb Hammer?

  Oh, my gosh.

• 38:56Speaker 02

  Uh, pulled her off. Separated us, I shut the door, I grabbed the gun, she was getting a knife.

• 39:01Caleb Hammer?

  You what? You got the gun, you got the knife?

• 39:05Speaker 03

  I did not get a knife.

• 39:07Speaker 02

  Oh, she said she was. Cuz she was like, you're gonna.

• 39:10Caleb Hammer?

  Well, you got the gun regardless.

• 39:12Speaker 02

  Yes.

• 39:12Speaker 03

  He put a, he put a, a machine gun right in there by my nightstand.

• 39:16Caleb Hammer?

  Huh?

• 39:16Speaker 03

  He put a, he put a, what was it? A machine gun right by my nightstand. I, I told him, I don't want it. So when the cops came in, they treated me like I was. A crazy lady cuz I had a big old gun.

• 39:26Caleb Hammer?

  Well, yeah, I think you were being a crazy lady, you started a fucking fight and he had to call the cops.

• 39:32Speaker 02

  So she got arrested.

• 39:34Caleb Hammer?

  Yeah.

• 39:34Speaker 02

  And, um. And so.

• 39:38Caleb Hammer?

  The trauma these kids are going through, I don't think you guys understand.

• 39:41Speaker 02

  Yeah, it's bad.

• 39:41Speaker 03

  I, I do, I do.

• 39:43Speaker 02

  Yeah.

• 39:43Caleb Hammer?

  Do you?

• 39:44Speaker 03

  I do.

• 39:44Caleb Hammer?

  How long were you in jail?

• 39:46Speaker 03

  How long?

• 39:47Caleb Hammer?

  Yeah.

• 39:48Speaker 03

  Uh. Thing was two days and then I was bailed out and then the judge was like, oh, no, your bail is too low, so she sent me back again.

• 39:57Caleb Hammer?

  Good.

• 39:58Speaker 03

  And.

• 39:58Caleb Hammer?

  You're a flight, or not a flight risk, you're just a danger.

• 40:01Speaker 03

  But I, I would say my part as a lot is him checked out.

• 40:06Caleb Hammer?

  Huh?

• 40:07Speaker 03

  He checked out.

• 40:08Caleb Hammer?

  No, you're being too ancient right now, I can't understand you. What?

• 40:10Speaker 03

  He checked out from all life for ten years straight, like.

• 40:14Caleb Hammer?

  He checked out from life?

• 40:15Speaker 03

  Yeah.

• 40:16Caleb Hammer?

  Well, yeah, you sound like you're being a complete failure father. We don't beat people.

• 40:19Speaker 03

  We don't, you're right, but.

• 40:21Caleb Hammer?

  Okay, you don't sound real regretful.

• 40:25Speaker 03

  I should I mean I should I don't want to justify with any reason, but there was a lot going on because

• 40:30Caleb Hammer?

  I don't want to justify beating him, but.

• 40:33Speaker 03

  Yeah, but it's like we've been through a lot and then um uh his dad passing and my dad passing.

• 40:40Caleb Hammer?

  That's a sad part. I still don't think I'm sorry. I and I hope it's a long time from now. But when my parents pass and hopefully again, it's a long time from now. I'm not going to look at my girl and go.

• 40:52Speaker 03

  No, the so so the thing is like uh

• 40:58Speaker 03

  it was upsetting because uh I couldn't go home.

• 41:03Caleb Hammer?

  I'm sorry.

• 41:04Speaker 02

  She couldn't go home to see her dad.

• 41:06Caleb Hammer?

  That's hard. He was in Taiwan.

• 41:08Speaker 02

  And I wasn't making money. I had a job and I wasn't working hard.

• 41:13Caleb Hammer?

  Your entire life.

• 41:14Speaker 02

  Yeah, but I had a good retail job.

• 41:16Caleb Hammer?

  What are you making?

• 41:16Speaker 02

  Like I made uh what was the customer service six eighty seven seventy six seventy four thousand?

• 41:24Caleb Hammer?

  Oh, that's good. Maybe you should go back to that.

• 41:26Speaker 02

  But.

• 41:26Caleb Hammer?

  That's really hard. I'm sorry that your dad passed. I'm really sorry and that you couldn't see him.

• 41:30Speaker 02

  No, it hurt her a lot cuz.

• 41:31Caleb Hammer?

  I just don't understand how that leads to domestic abuse.

• 41:34Speaker 02

  Because I had that job and then I got a position in the sales position. I I got to go from customer service to sales.

• 41:42Caleb Hammer?

  So she beats you?

• 41:43Speaker 02

  No, no, no. I went I moved to sales and it was all commission. I made no money.

• 41:47Caleb Hammer?

  So she beats you?

• 41:49Speaker 02

  Uh but I just wasn't there. I I did nothing. I all the bills, all the stress, everything on her. Me, leave me alone. I'm gonna work this job and I made twenty four thousand.

• 41:59Caleb Hammer?

  But you beat him?

• 42:02Speaker 03

  I mean, that's how I know growing up. But it's not right, but.

• 42:07Speaker 02

  But she didn't get to go back to see her dad.

• 42:09Caleb Hammer?

  One that abused you?

• 42:10Speaker 02

  Cuz I didn't.

• 42:10Speaker 03

  No, my dad didn't abuse me, but my dad beat up my mom.

• 42:14Speaker 02

  Oh, and but they were really close. She won't say it, but they were.

• 42:18Caleb Hammer?

  The dad that abused your mom? It's. Okay, I'm trying not to judge that.

• 42:23Speaker 03

  Well, because my mom is like my mom likes my brother more.

• 42:27Speaker 02

  What?

• 42:29Speaker 03

  Like Asian thing, like he's a boy.

• 42:31Caleb Hammer?

  So she was getting beat?

• 42:33Speaker 03

  Yeah, but she she's still favors she favors my brother.

• 42:38Caleb Hammer?

  Saying she deserved it.

• 42:41Speaker 03

  No, well.

• 42:42Caleb Hammer?

  I'm kidding.

• 42:44Caleb Hammer?

  What? No.

• 42:46Speaker 03

  No, she's not, but but yeah, so it was um.

• 42:51Speaker 02

  She still loved your dad. And I I couldn't help.

• 42:55Caleb Hammer?

  Have you picked your favor yet?

• 42:57Speaker 03

  Huh?

• 42:57Caleb Hammer?

  Have you picked a favor yet?

• 42:58Speaker 03

  My kids?

• 42:59Caleb Hammer?

  Mm hmm.

• 43:00Speaker 03

  Uh, no, not yet.

• 43:02Caleb Hammer?

  You still got time.

• 43:03Speaker 03

  We'll see.

• 43:04Caleb Hammer?

  Old, it's only eight. You'll get there.

• 43:06Speaker 03

  Yeah, but so.

• 43:08Speaker 02

  I couldn't help send her home to see her dad before he passed away.

• 43:11Caleb Hammer?

  So she beats you?

• 43:13Speaker 02

  Well, no.

• 43:13Caleb Hammer?

  You see how that works? That's the end like this. That's the conclusion that happened in the end.

• 43:17Speaker 02

  She had a lot stacked up on her. She did not defending it either, but she.

• 43:22Caleb Hammer?

  But.

• 43:25Caleb Hammer?

  Okay, so you're in jail for two weeks and finally what? You got bail or what happened?

• 43:29Speaker 03

  Um, I couldn't go home with my.

• 43:32Speaker 02

  We had a protection.

• 43:33Speaker 03

  Yeah.

• 43:34Caleb Hammer?

  Yeah, fair enough.

• 43:35Speaker 03

  And then uh CPS was involved and.

• 43:38Caleb Hammer?

  Yes, fair enough. Beater.

• 43:40Speaker 03

  Um, what else? Well, I just stay at my friend's house. My friend.

• 43:45Caleb Hammer?

  For how long?

• 43:45Speaker 02

  Her friend built her out.

• 43:47Speaker 03

  Um, two months, two, three months?

• 43:50Speaker 02

  Two months.

• 43:50Caleb Hammer?

  So how to conclude?

• 43:52Speaker 03

  Oh, the case is dismissed cuz they were they let me the DA uh agree for me to go back home about like two, three months after the incident.

• 44:03Speaker 02

  Hmm.

• 44:03Caleb Hammer?

  Why?

• 44:05Speaker 03

  I don't know.

• 44:05Caleb Hammer?

  It doesn't sound like someone fit to be home. Uh cuz.

• 44:08Speaker 03

  He didn't.

• 44:09Caleb Hammer?

  You haven't been home for very long.

• 44:11Speaker 02

  I can't take care of the kids.

• 44:12Speaker 03

  Well.

• 44:13Caleb Hammer?

  Well, okay, that's true. Maybe the kids should just be taken away in general. I don't know how you guys are breeding and you want to have another one. We're literally on the fourth domestic abuse. I'm sure there's more at that point.

• 44:21Speaker 03

  Yeah, I just right now. I'm just like fuck it. You can take care of it all. I'm not.

• 44:25Caleb Hammer?

  Right? Okay, you just take care of it. I would I would assume. Yeah, I mean, you are now probably just flash on the couch medicated so that you don't get amped up and start beating people again. I yeah, I would agree. That's probably the best place for you. So, okay. So and we know with how the finances, it's a mess. You guys are paying yourself before the employees. You're not taking care of them. You're being bad people. But even when the money comes in now, how how is it dealt with? You just said, okay, let him deal with it. So how do you deal with it? What's going on in the household finances? I know the business is but.

• 45:03Speaker 02

  The household finances, those are the they're they're kind of too. Uh.

• 45:09Caleb Hammer?

  What's going on? Give me some insights. Wait, I'm not saying like a number, but like what are you doing? You're getting paid. What are you doing? How are you managing the household finances?

• 45:19Speaker 02

  Just hoping enough money comes in.

• 45:21Caleb Hammer?

  What? That's not a strategy. No, how are you doing it? When the money comes in, how do you manage the household's finances?

• 45:31Speaker 02

  Just hope that it covers it all.

• 45:33Caleb Hammer?

  Okay, this guy, he can't answer a question.

• 45:37Caleb Hammer?

  Just what are you doing? If the money comes in, what do you do?

• 45:42Speaker 02

  Pay the bills.

• 45:45Speaker 02

  And if it's not enough, then I wait another couple of days to see if I could pay the bills then. The the house is like the house is two months behind the mortgage.

• 45:54Caleb Hammer?

  Why'd you literally spend? I think this is a thousand hours going out to eat if all we do is to pay the bills?

• 46:00Speaker 03

  That's a lot of corner store run for him.

• 46:02Caleb Hammer?

  Nope, that's actually the miscellaneous bullshit part of the spending, which uh was approximately another thousand dollars.

• 46:11Speaker 03

  Was that groceries? No, that's not in groceries, right?

• 46:14Caleb Hammer?

  Ah, here it is. And this was isn't what this is what you have not told me. You get VA benefits.

• 46:21Speaker 02

  Yes.

• 46:22Caleb Hammer?

  There we go. Now that's an income source, which makes more sense. How the fuck are we doing things without it? How much do you get in VA benefits?

• 46:28Speaker 02

  Twenty nine.

• 46:30Caleb Hammer?

  And what's the VA benefits? This is just disability?

• 46:33Speaker 02

  Disability.

• 46:34Caleb Hammer?

  What did you do? What's what was your service?

• 46:36Speaker 02

  Uh, I was in the army and I did uh two thousand seven to two thousand twelve.

• 46:41Caleb Hammer?

  Okay, so okay, that's a little longer stint than the three years. So you did what? Five?

• 46:45Speaker 02

  Yep.

• 46:45Caleb Hammer?

  Okay, what was your position?

• 46:47Speaker 02

  Uh, my highest position was sergeant.

• 46:51Caleb Hammer?

  What were you doing?

• 46:52Speaker 02

  Uh, Patriot Missile Operator.

• 46:54Caleb Hammer?

  Okay.

• 46:54Speaker 02

  Air Defense Artillery, blow shit up.

• 46:56Caleb Hammer?

  Were you behind the screen?

• 46:58Speaker 02

  No.

• 46:59Caleb Hammer?

  We're loading a launcher.

• 47:00Speaker 02

  Yeah, loading missiles.

• 47:01Caleb Hammer?

  Loading missiles?

• 47:02Speaker 02

  Yes.

• 47:05Caleb Hammer?

  Dare I ask?

• 47:09Caleb Hammer?

  Was it you and another person lifting up missiles?

• 47:11Speaker 02

  Uh, we had a forklift. They're big.

• 47:13Caleb Hammer?

  So you're operating a forklift?

• 47:16Speaker 02

  Uh, well, I was I was running around the launcher, pushing buttons to turn it on.

• 47:22Caleb Hammer?

  Okay, you're running around the launcher, pushing button. That was your job?

• 47:24Speaker 02

  Yeah.

• 47:25Caleb Hammer?

  I'm just clarifying. That was your job, running around the launcher, pressing buttons.

• 47:28Speaker 02

  Yes.

• 47:29Caleb Hammer?

  Good. You're not operating a forklift?

• 47:31Speaker 02

  No.

• 47:32Caleb Hammer?

  You were not personally lifting missiles and putting them in cuz the forklift did that.

• 47:36Speaker 02

  I well, it was physical. It was physical.

• 47:39Caleb Hammer?

  You're running around pushing buttons. What was the physical part?

• 47:41Speaker 02

  In the desert and then jumping up on the missiles and uh make sure they're torqued down to the launcher. Yeah.

• 47:50Speaker 03

  He was in combat zone. He was in combat zone.

• 47:53Caleb Hammer?

  No, that's okay. That's exciting.

• 47:55Speaker 02

  Combat zones and and.

• 47:56Caleb Hammer?

  Well, yes, I would assume so. If you were loading missiles.

• 47:59Speaker 02

  Yeah.

• 47:59Caleb Hammer?

  That sounds like combat, but you're mostly running around pushing missiles.

• 48:02Speaker 02

  Yes.

• 48:02Caleb Hammer?

  And sometimes you jump up and make sure the torque's down.

• 48:05Speaker 02

  Yes.

• 48:05Caleb Hammer?

  Right?

• 48:05Speaker 02

  Yeah.

• 48:06Caleb Hammer?

  That's it. That was your job?

• 48:07Speaker 02

  Yes.

• 48:08Caleb Hammer?

  What the is your disability?

• 48:10Speaker 02

  Uh, I had a a traumatic brain injury. I fell off the launcher one time and I I had a ghetto rigged uh screw in my helmet and it the screw went in my head.

• 48:21Caleb Hammer?

  Oh.

• 48:21Speaker 02

  And I had a traumatic brain injury.

• 48:23Caleb Hammer?

  Okay, that might be like one of the first actually justified ones. See, that I support. Now, why the fuck are you not at a hundred percent, but someone that was a cook and just got hearing damage is at a hundred percent on this show?

• 48:34Speaker 02

  Good question. That's a good question.

• 48:36Caleb Hammer?

  To get. You're like the first one where it's almost justified.

• 48:39Speaker 02

  Yeah.

• 48:39Caleb Hammer?

  And are you sure your brain injuries from that and not just getting beat by her?

• 48:43Speaker 02

  Uh.

• 48:44Speaker 03

  I don't hit the head.

• 48:46Speaker 02

  Uh, she punched the face.

• 48:48Caleb Hammer?

  That's the head.

• 48:49Speaker 02

  Punched the face.

• 48:50Speaker 03

  Oh.

• 48:50Speaker 02

  She's joking. She's trying to make jokes. She's trying to make jokes.

• 48:54Caleb Hammer?

  Domestic abuse.

• 48:58Speaker 02

  I love her.

• 49:02Speaker 02

  Yes, but yeah, she got me to do the disability. I didn't even want to do it.

• 49:08Caleb Hammer?

  Why? I mean, you were disabled.

• 49:09Speaker 02

  I don't, I didn't like talking about it and, and that, that perceived like-

• 49:13Caleb Hammer?

  Show me your scar.

• 49:15Speaker 02

  It's, it's on top, you can actually, it feels like a baby soft spot.

• 49:19Speaker 03

  I don't know, as bald as he is, I can't see.

• 49:22Caleb Hammer?

  But you can feel it?

• 49:24Speaker 03

  Yeah, I can feel it. And then-

• 49:25Speaker 02

  It's like a baby soft spot.

• 49:26Caleb Hammer?

  So it did happen.

• 49:27Speaker 03

  He broke his shoulder too.

• 49:28Caleb Hammer?

  It is real.

• 49:28Speaker 03

  Yeah. And was it-

• 49:31Caleb Hammer?

  Okay, so that's coming in. Good. We at least have 2,900 consistently. That's good. You were discharged from the, honorably discharged.

• 49:38Speaker 02

  A, a, a general under honorable conditions.

• 49:41Speaker 03

  Yeah, he got in trouble.

• 49:43Speaker 02

  I did get in trouble. I, I was removed-

• 49:46Caleb Hammer?

  What'd you do? What'd you do, guys?

• 49:48Speaker 03

  Disparate.

• 49:49Speaker 02

  There was two.

• 49:50Speaker 03

  Alcohol to minors.

• 49:51Speaker 02

  Disparate alcohol to minors. And-

• 49:54Caleb Hammer?

  Why? Who, who, who, who?

• 49:57Speaker 02

  So we-

• 49:58Caleb Hammer?

  Little Asians on the shore?

• 49:59Speaker 02

  Yeah, so ex-wife left. Ex-wife was in Japan with me.

• 50:04Caleb Hammer?

  Oh, you really-

• 50:04Speaker 02

  Ex-wife left.

• 50:05Caleb Hammer?

  The same kind over and over again. Okay.

• 50:07Speaker 03

  No, ex-wife's from here.

• 50:08Speaker 02

  Yeah, she's white and I hate it. Like, we don't know white people anymore. But-

• 50:13Caleb Hammer?

  Why?

• 50:14Speaker 02

  White women.

• 50:16Caleb Hammer?

  Why? I mean, they are like freak cancel culture TikTok weirdos.

• 50:19Speaker 02

  Exactly. That and like-

• 50:21Caleb Hammer?

  But what are they gonna do to you?

• 50:22Speaker 02

  Useless and-

• 50:23Caleb Hammer?

  Well, I wouldn't say that. And I have one. She does a lot.

• 50:27Speaker 02

  Your girlfriend's not Asian?

• 50:30Caleb Hammer?

  No.

• 50:30Speaker 02

  But you like Asians?

• 50:32Caleb Hammer?

  I like everyone.

• 50:34Speaker 02

  I assumed she was Asian.

• 50:36Speaker 00

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

• 51:06Speaker 02

  Because you flirt with a lot of Asians that come on the show. Like the, like the lesbian one?

• 51:10Caleb Hammer?

  Attractive ones.

• 51:12Caleb Hammer?

  No offense.

• 51:15Caleb Hammer?

  Let's be honest. The cost of living right now is absolutely insane. But if you are out here leaning on credit cards just to buy your groceries and fill up your gas tank, you are literally paying a 20% survival tax and high interest debt just to exist. Look, if you're a homeowner, my friends at American Financing actually have a way to get you out of this BS. They are helping people tap into their home equity to pay off high interest debt. American Financing is saving their customers an average of $800 a month. That is a much needed financial reset. There are zero upfront fees to find out what you could save. And you're talking to a salary-based mortgage consultant, meaning they aren't some pushy salesperson. They actually want to help.

• 51:56Caleb Hammer?

  And if you start today, you may delay two mortgage payments. American Financing, America's home for home loans, and get your life together today. 866-574-2500. That's 866-574-2500, or americanfinancing.net/hammer. My Gamersub's flavor is finally here. It's called Liquid Assets, and it tastes like raspberry apple and success. Use discount code CALEB to get 10% off your entire order, plus free gifts you actually want. Drinkware, stickers, full-on apparel, even some seriously limited edition swag. And one out of every 10 tubs has my face printed right on it. And the whole offer stacks up six times.

• 52:38Caleb Hammer?

  The more you buy, the more you unlock, and the better your chance to see my sexy face on your tub. Get 100 servings of delicious, zero-sugar, less-than-one-calorie Liquid Assets for less than $0.40 a serving, plus all the freebies until they're gone. Gamersub is fully stocked and shipping worldwide right now. All you need to do is head to gamersubgg/caleb or click the link in the description below. This stuff is a game changer.

• 53:05Caleb Hammer?

  I flirt with everyone who's attractive. I can't stop myself. I'm a fucking gooner.

• 53:08Speaker 02

  The, the attractive thing. So whenever I met her, I met her online, right?

• 53:12Caleb Hammer?

  Okay, I don't care about that. You're serving alcohol to eight, underage to what?

• 53:16Speaker 02

  So, ex-wife left Japan because we got divorced. And then we're off post. We, with my buddies, we met girls off post.

• 53:27Caleb Hammer?

  Underaged Asian girls.

• 53:29Speaker 02

  And, no, no, they, they were, they ended up being, uh, the daughters of high-ranking people in the battalion. Yeah, they were underage. We didn't know. We didn't know.

• 53:43Speaker 03

  It's at his house.

• 53:45Speaker 02

  But they, we can-

• 53:46Caleb Hammer?

  How old was he in a house?

• 53:47Speaker 02

  No, we didn't, because we met them off post.

• 53:49Caleb Hammer?

  And how old were they? And then the follow-up question is, and how old were they actually?

• 53:56Speaker 02

  Like 16 and something. But, uh, yeah, so we went back to my house.

• 54:02Caleb Hammer?

  16 and something? What was the something?

• 54:04Speaker 02

  Uh, probably 16, 17.

• 54:10Speaker 02

  Brother.

• 54:10Caleb Hammer?

  Did you fuck him?

• 54:11Speaker 02

  No. My buddies did.

• 54:13Caleb Hammer?

  And so you fucked him?

• 54:15Speaker 02

  No, no, I did not.

• 54:15Caleb Hammer?

  Oh, come on.

• 54:16Speaker 02

  In my house.

• 54:17Caleb Hammer?

  Your buddies went, they're, no, no, no. Okay, come on. So, come on, okay. But, man, man, man, man. Pretend we don't know the ages. Shut up. The age, okay.

• 54:31Speaker 02

  There was two of them, three of us.

• 54:34Caleb Hammer?

  There's 20, 23-year-olds. We're, they're all getting drunk together. They're friends, and we're the only ones not, that's weird, right? Everyone-

• 54:44Speaker 02

  No, no, no. There was two, two of them, three of us. The two, yes, they did. I didn't get, I didn't, I didn't.

• 54:51Caleb Hammer?

  Why you? Why were you left?

• 54:52Speaker 02

  Well, I didn't know they were underage, so that wasn't, that wasn't part of the reason.

• 54:55Caleb Hammer?

  You didn't know they were?

• 54:56Speaker 02

  Yeah.

• 54:56Caleb Hammer?

  So why were you left out?

• 54:58Speaker 02

  I was just, I was the lucky one.

• 55:02Speaker 03

  A lesbian, he had a lesbian with her.

• 55:04Speaker 02

  I don't talk about that. I don't talk about that. Yes, okay. Wait, yeah, yeah, so, uh, uh, I'll stay away from that.

• 55:12Caleb Hammer?

  No.

• 55:12Speaker 02

  Yeah.

• 55:13Caleb Hammer?

  No.

• 55:15Speaker 03

  He fucked her and then she turned lesbian.

• 55:18Caleb Hammer?

  That's fine. She wasn't underage.

• 55:21Speaker 03

  She, she looks like, she's like a big dyke looking.

• 55:23Speaker 02

  Okay, so, uh, I didn't do anything with underage ones. But I, it was at my house, so I got in trouble for distributing alcohol to minors because they drank at my house.

• 55:34Caleb Hammer?

  And before you definitely fucked them. And number two.

• 55:40Speaker 02

  Oh, that's when I met her. So because of that, distributing alcohol to minors, I wasn't allowed to, I wasn't supposed to go off post for 45 days.

• 55:51Caleb Hammer?

  Reasonable punishment.

• 55:52Speaker 02

  Yes, and took my pay for 45 days.

• 55:55Caleb Hammer?

  Reasonable punishment.

• 55:56Speaker 02

  So, but I had already planned to meet her because we met online. So she was coming, uh, to Okinawa for vacation. And she was looking for a military guy to-

• 56:09Caleb Hammer?

  And those benefits forever.

• 56:10Speaker 02

  Yes.

• 56:10Speaker 03

  Yeah.

• 56:11Speaker 02

  And-

• 56:12Speaker 03

  This Asian part of me.

• 56:13Speaker 02

  Yeah.

• 56:13Caleb Hammer?

  Yes, yes.

• 56:14Speaker 02

  Uh, so, uh, I still went off post to meet her. I end up getting in a wreck off post when I was trying to go back to work.

• 56:23Caleb Hammer?

  Why?

• 56:24Speaker 02

  And-

• 56:25Speaker 03

  He has someone else that's already in trouble in his car and had open bottles in his car. So it's not really me.

• 56:33Speaker 02

  Yeah.

• 56:33Caleb Hammer?

  You were fucked up.

• 56:34Speaker 02

  Yeah. After the divorce, I kind of went ham over there. And I got in trouble. Uh, I kept getting in trouble. And then it was separation time.

• 56:45Caleb Hammer?

  Wait, when did the brain injury happen in relation to that?

• 56:48Speaker 02

  Uh, 2010, like, like a year or two before that.

• 56:51Caleb Hammer?

  Wait, so was it a real traumatic brain injury if we were allowing you to literally serve and load missiles for another two years?

• 56:58Speaker 02

  Yes.

• 56:58Caleb Hammer?

  What? That doesn't make any sense. If you were having actual brain issues, why were we letting you load missiles?

• 57:05Speaker 02

  I don't know.

• 57:06Caleb Hammer?

  Sounds like your brain injury magically appeared post-service.

• 57:09Speaker 02

  No. No.

• 57:10Caleb Hammer?

  What? They wouldn't be allowing you to load missiles.

• 57:13Speaker 03

  Well, they didn't, I know some with TBI. It's just like, uh, medical records.

• 57:16Speaker 02

  In the medical records, yeah. It was all in the medical-

• 57:19Caleb Hammer?

  That you got hurt, not that you are hurt?

• 57:23Caleb Hammer?

  Isn't disability for are hurt, not got hurt? Isn't that what the word disability is used for? I was on your side. You're losing me now. Because again, if you actually had an issue, you wouldn't be going out for the next two years.

• 57:38Speaker 02

  Right after that. I mean-

• 57:40Caleb Hammer?

  What? It was two years later.

• 57:42Speaker 02

  But-

• 57:42Caleb Hammer?

  2010, you stopped in 2013.

• 57:44Speaker 02

  That's why I was, yeah, I was, because it was overseas. When, when things happen overseas, it kind of just, unless you get like something blown off or something.

• 57:53Caleb Hammer?

  If you had an actual injury, that was the thing.

• 57:55Speaker 02

  Yeah. I could-

• 57:58Caleb Hammer?

  Fuck, man. You lost me. I thought I finally had some-

• 58:02Speaker 00

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

• 58:31Caleb Hammer?

  And then I was like, yeah, that makes sense. Let's do it for-

• 58:35Speaker 03

  It was close enough, right?

• 58:36Caleb Hammer?

  No, he got hurt. He is not hurt.

• 58:40Speaker 02

  I was hurt.

• 58:41Caleb Hammer?

  Was. You're not.

• 58:43Speaker 02

  I am, yeah.

• 58:44Caleb Hammer?

  No.

• 58:45Speaker 02

  Yeah.

• 58:45Speaker 03

  It was pretty high, right? It was 20 feet?

• 58:48Caleb Hammer?

  Yeah, he was hurt. You're not hurt.

• 58:51Speaker 02

  I think so.

• 58:52Caleb Hammer?

  What's your hurt?

• 58:53Speaker 02

  The, the, just the traumatic brain injury. Just everything, all the side effects of-

• 58:59Caleb Hammer?

  Which are that you experienced, actually not made up?

• 59:04Caleb Hammer?

  Right. Good. Okay.

• 59:10Caleb Hammer?

  Oh, I love our country and how we spend money and how this is a golden goose that we're not even willing to question.

• 59:22Caleb Hammer?

  You guys are a fucked up couple. I know the stress of the financial management and everything last time got you to separate from the finances.

• 59:34Speaker 02

  Yes.

• 59:36Caleb Hammer?

  You need to get involved again and limit yourself and be medicated because this dude has no idea what the fuck he's doing.

• 59:44Speaker 03

  That's why if I get back in again, he's gonna put everything on me.

• 59:48Caleb Hammer?

  No, no, no, no. We have to do it balanced together. We need to sit down on a monthly basis.

• 59:52Speaker 03

  He won't. We tried. We even went to marriage counseling before all this happened. He refused and everything.

• 1:00:00Speaker 02

  She goes really complicated, like the Google sheet. It was like six years of me trying to understand the dang Google sheet.

• 1:00:07Speaker 03

  It's not even complicated. It's every formula.

• 1:00:09Speaker 02

  To be fair, I didn't really try, but it looked very complicated.

• 1:00:14Speaker 03

  It's just numbers.

• 1:00:16Caleb Hammer?

  Budget off of the hallowise.

• 1:00:18Speaker 03

  Huh?

• 1:00:19Caleb Hammer?

  Just use the budgeting app. Just use our budget. Guys, there's two bad Rs we're not supposed to say. One starts with an R, one ends with an R. If you're the second R, that's fine, you know, that's just you. If you're the first R, I can prevent you from being that with hallowise, okay? I'm sure you do. Asians are very racist.

• 1:00:46Speaker 02

  Even against each other.

• 1:00:47Caleb Hammer?

  Especially if you're in Houston. Maybe I would be too.

• 1:00:52Speaker 03

  I don't want to make any more comments.

• 1:00:56Caleb Hammer?

  Not a great place that time.

• 1:01:00Caleb Hammer?

  What do you think your financial score is for the house? Zero to 10, zero being the worst, 10 being the best?

• 1:01:04Speaker 02

  Three.

• 1:01:06Speaker 03

  You're at 1.5, I'm at three.

• 1:01:08Caleb Hammer?

  Well, for the house.

• 1:01:09Speaker 03

  Oh, for the house?

• 1:01:12Speaker 02

  Three.

• 1:01:12Speaker 03

  Yeah.

• 1:01:13Speaker 02

  I'm still strong with three.

• 1:01:14Caleb Hammer?

  Okay, take the score, take the quiz. Calebhammer.com just been updated for new results, more, more granular and gets you more details. Check it out. It is free at Calebhammer.com. Get your hammer financial score. And if you don't want to be like a guest who ends up on the show, make sure you download the hallowise budgeting app. Most people take the annual version because it saves a lot of money and you get the physical version of my 30 day meal plan, signed by me, mailed directly to you and the digital version of the cookbook. Check that out. Links in the description below or just download hallowise or go to hallowise.com.

• 1:01:40Speaker 02

  Does that have Asian food?

• 1:01:42Caleb Hammer?

  Yeah.

• 1:01:42Speaker 02

  Nice, nice.

• 1:01:44Speaker 03

  You don't even cook.

• 1:01:45Speaker 02

  You cook good.

• 1:01:46Speaker 03

  You don't know how to cook. I had to, I had to do cooking, taking care of the kids, pay the bills.

• 1:01:51Caleb Hammer?

  You don't work anymore, right? So you probably should be doing some more house stuff, right?

• 1:01:54Speaker 03

  You know, I was talking about before then, like he don't even drop off the kids at daycare. He refused.

• 1:01:59Caleb Hammer?

  What do you do now? I know that he's pathetic. We've established that, but what do you do now? What is your contribution?

• 1:02:06Speaker 03

  The household, the chores and then the, the kids' school, the kids at.

• 1:02:13Speaker 02

  She does a lot with the company too.

• 1:02:15Caleb Hammer?

  Yeah.

• 1:02:15Speaker 03

  Yeah.

• 1:02:15Caleb Hammer?

  But he doesn't make money as far as we do. Okay, I need to look at the company's books or something. Is that in here?

• 1:02:22Speaker 03

  I don't think so.

• 1:02:23Speaker 02

  Yes.

• 1:02:23Caleb Hammer?

  I'll think, because I'm gonna need to know. Okay, but I have a real estate loan, loan care that needs attention. Why is it a need attention? Guys, why is our house in need of attention? Why is our mortgage in need of attention?

• 1:02:35Speaker 02

  Yeah, it's two months behind.

• 1:02:41Caleb Hammer?

  No, that's not funny. Why do you laugh at everything?

• 1:02:44Speaker 03

  I mean.

• 1:02:45Caleb Hammer?

  Why do you laugh at everything? That's actually one of the scariest things that could possibly happen. I'm sorry, getting homeless? Not good!

• 1:02:53Speaker 03

  For me, right now, I'm just like, oh, well.

• 1:02:55Caleb Hammer?

  Listen, I mean, it didn't come up, but it can come up now. I have a feeling you're not gonna be able to move in with the parents again, right? Because they kicked you the fuck out after you beat his ass, right?

• 1:03:05Speaker 02

  Yeah.

• 1:03:06Speaker 03

  No, they didn't keep me out.

• 1:03:07Caleb Hammer?

  What?

• 1:03:08Speaker 02

  Yeah, they did.

• 1:03:09Caleb Hammer?

  Yes, they did. That's what I'm being told. That's what he's saying.

• 1:03:12Speaker 03

  I'll just go home with my mom.

• 1:03:14Caleb Hammer?

  Where's she?

• 1:03:15Speaker 03

  Taiwan.

• 1:03:16Caleb Hammer?

  Okay, so you leave your entire family.

• 1:03:18Speaker 03

  I'll take the kids.

• 1:03:21Speaker 02

  No, it's not. We're just, we're two months behind.

• 1:03:24Caleb Hammer?

  Didn't your parents walk in on her beating you or something?

• 1:03:27Speaker 02

  Yeah.

• 1:03:27Caleb Hammer?

  Yeah, and they kicked you out, right? They said you have to get out.

• 1:03:30Speaker 03

  No.

• 1:03:30Speaker 02

  The, my brothers did.

• 1:03:32Caleb Hammer?

  Oh, you're the brothers?

• 1:03:33Speaker 02

  Yeah, the brother stepped in and.

• 1:03:34Speaker 03

  Your brothers, they're jokes.

• 1:03:38Caleb Hammer?

  You told Lindsay, by the way, that he's okay with you leaving him.

• 1:03:43Speaker 03

  Okay, I have my mom.

• 1:03:46Speaker 02

  I don't want.

• 1:03:47Caleb Hammer?

  Why would you say that?

• 1:03:48Speaker 02

  Uh, because I, I, I literally didn't do too much to help for a long time.

• 1:03:55Caleb Hammer?

  You're okay with her leaving you?

• 1:03:57Speaker 02

  No, no, I don't, I don't want her to.

• 1:03:59Caleb Hammer?

  No, why'd you say that, though? You said you were okay with her leaving you. You said that pre-interview.

• 1:04:02Speaker 02

  It was understandable because I, I was.

• 1:04:05Caleb Hammer?

  Hey buddy, you said it. Why'd you say that?

• 1:04:08Speaker 02

  Because I didn't help for like 10 years.

• 1:04:11Caleb Hammer?

  It was in this room before we filmed, I'm being told, as you said, you would be okay with her leaving you.

• 1:04:21Speaker 02

  I didn't help for 10 years. I'm, I'm.

• 1:04:23Caleb Hammer?

  Why are you okay with it, is what I'm saying. Like, that's pathetic. That's like the end of a relationship.

• 1:04:29Speaker 03

  He's probably thinking he's just set me free so I don't have to take care of him.

• 1:04:34Caleb Hammer?

  I'm sure you'd love to move back in with mommy so you can play video games all day and be pathetic.

• 1:04:39Speaker 02

  That's what I would do.

• 1:04:41Caleb Hammer?

  Is that what you would actually prefer than having a man up?

• 1:04:45Speaker 02

  Uh, no.

• 1:04:46Caleb Hammer?

  I think so.

• 1:04:47Speaker 02

  It's, if it did happen, I would definitely go back, play Rust, live at mom's house.

• 1:04:55Speaker 03

  Mom has extra bedroom.

• 1:04:57Caleb Hammer?

  And I love Rust and I appreciate the little gift you got for me, for me. Like, this is really cool. Okay, Rust is good. We love Rust.

• 1:05:05Speaker 02

  It's not just good, it's the best.

• 1:05:07Caleb Hammer?

  It's good. It's great. I love it. It's fantastic. Okay? Thank you for this. I didn't know it was coming from someone that beats his wife, but, um, but thank you for this and, uh, it's a great game. I don't think I'd give up my entire family and be a complete loser for it.

• 1:05:26Caleb Hammer?

  Wow, that's not a good response. Yikes, that would actually, big red flags there.

• 1:05:30Speaker 03

  I mean, I'm on my medication, so everything's, oh, well.

• 1:05:33Speaker 02

  I have to stay away from it. It was like cold turkey.

• 1:05:37Caleb Hammer?

  Okay, so let's take a look at this house. So you owe $297,928.

• 1:05:44Speaker 03

  290? 290 or 298?

• 1:05:48Speaker 02

  That's what we bought it for.

• 1:05:49Speaker 03

  No.

• 1:05:50Caleb Hammer?

  Why'd you guys buy it?

• 1:05:51Speaker 02

  320.

• 1:05:51Speaker 03

  We bought it at 319.

• 1:05:54Caleb Hammer?

  He, he didn't know. 297,928. What's your monthly payment on this? It's worth 309, so you would actually have to write a check to sell this house.

• 1:06:03Speaker 03

  Uh, 2592 per month, to be exact.

• 1:06:09Caleb Hammer?

  You'd have to write a check to sell this house. So you're behind and if you sell it, you're.

• 1:06:14Speaker 02

  Why would we have to write a check to sell the house?

• 1:06:16Speaker 03

  The closing costs and all that?

• 1:06:18Caleb Hammer?

  Everything, everything, commissions.

• 1:06:20Speaker 03

  Fidels, yeah.

• 1:06:21Caleb Hammer?

  6% typically to the realtor. That's on you. Seller usually pays for the full 6%. You can negotiate that now with some rules that were changed like a what, one or two years ago? You could get 3% to be paid by the seller. You could even get the full 6%, but it's, it's not really, uh, or from the buyer, but it's not really a seller's market. So you're likely gonna have to eat that cost.

• 1:06:43Speaker 02

  I wanted to sell the house too.

• 1:06:45Speaker 03

  I don't.

• 1:06:46Caleb Hammer?

  What's the disagreement on that?

• 1:06:48Speaker 02

  I want to get land.

• 1:06:52Speaker 03

  I'm okay with land, but.

• 1:06:53Caleb Hammer?

  This would be the commission you'd have to pay plus other fees. You only have an equity position in the house of, uh, of $11,000.

• 1:07:02Speaker 02

  Yeah.

• 1:07:02Caleb Hammer?

  So you'd have to write a check for maybe $20,000 to sell this house. You would have to come up with $20,000 to sell this house.

• 1:07:08Speaker 02

  That's crazy.

• 1:07:09Caleb Hammer?

  And yet you're behind on the house of which three kids live in. This is pathetic. Go get a job, go get a job. His family, drop off the kids to be watched, right? Rights or something?

• 1:07:22Speaker 03

  His mom will.

• 1:07:23Caleb Hammer?

  Will not? Why?

• 1:07:26Speaker 03

  Because his brothers.

• 1:07:28Speaker 02

  Yeah.

• 1:07:29Caleb Hammer?

  Because you beat him.

• 1:07:31Speaker 03

  That, yeah, that's a part of the reason.

• 1:07:33Caleb Hammer?

  Part of the reason. What's the other reason?

• 1:07:35Speaker 03

  Well, they've always, they've always thought that we are taking advantage of his mom in terms of like taking care of kids' wives.

• 1:07:44Caleb Hammer?

  Yeah, probably. But you might need it now. You need to go make money.

• 1:07:50Speaker 02

  The, the company brings in, the company makes about 15,000 a month.

• 1:07:55Caleb Hammer?

  Yeah, but you don't even know where the fucking expenses go and what the margins are. You are literally behind on payroll and your own mortgage and now I'm also being told two months on electricity.

• 1:08:05Speaker 02

  Yes.

• 1:08:05Caleb Hammer?

  So what the fuck? The business makes money? No. Quit, go get a $75,000 a year job again at Best Wire or whatever the fuck you're doing. Get that tomorrow. Your business has failed. You have failed. You're a failure. Accept it, grow up, get a job working for someone who's better at running a business.

• 1:08:23Speaker 02

  I think I just gotta get better at running the business.

• 1:08:25Caleb Hammer?

  No, no, you're about to get foreclosed on. No, no, you don't have time to be a business owner. You don't have time.

• 1:08:35Speaker 03

  Will we get foreclosed on?

• 1:08:37Speaker 02

  No.

• 1:08:37Caleb Hammer?

  Yes.

• 1:08:38Speaker 03

  Because we, like, we will.

• 1:08:39Caleb Hammer?

  No, what do you mean no?

• 1:08:41Speaker 03

  We're still making payments. We just.

• 1:08:43Caleb Hammer?

  Two months behind, so you just aren't able to, you're permanently two months behind because you can't catch up.

• 1:08:47Speaker 02

  Yeah.

• 1:08:47Speaker 03

  Yeah.

• 1:08:47Caleb Hammer?

  That's, well, I mean, that'll give you some wiggle room, but look how close you are. All it takes is a couple weird things to happen with the business and yes, you will get foreclosed on. And being behind on an electricity bill two months, you've had water and gas shut off in your house before. How many times?

• 1:09:02Speaker 02

  Mike Wise recently.

• 1:09:03Caleb Hammer?

  That's insane. Yes, do not assume you were that far away from foreclosure, guys. Look how close you guys are today. You've had utilities turned off multiple times.

• 1:09:13Speaker 02

  But she's gonna get her tax refund soon and then we'll be.

• 1:09:16Caleb Hammer?

  I'm glad I'm paying for his failed business and household. Why the, this is so pathetic. Our culture's so.

• 1:09:22Speaker 03

  Yeah.

• 1:09:23Caleb Hammer?

  It's, everything is so backwards.

• 1:09:26Speaker 03

  It was a lot of debt.

• 1:09:27Caleb Hammer?

  Huh?

• 1:09:28Speaker 03

  It was a lot of debt. Well, it is still a lot of debt that we have.

• 1:09:33Caleb Hammer?

  So what's your refund gonna be? I mean, yeah, you're gonna get a big one because refund, as in subsidy for me, by the way, but.

• 1:09:38Speaker 02

  8,000?

• 1:09:39Speaker 03

  Yeah.

• 1:09:39Speaker 02

  8,000 something.

• 1:09:41Caleb Hammer?

  That's not gonna fully, well, with utilities and being behind. And, okay, and to be clear, even if that does catch us up, which by the way, it's June, where the fuck is?

• 1:09:53Speaker 02

  Because they had to verify her identity.

• 1:09:56Speaker 03

  It's weird because I, we file like, I filed the end of the, the April and then it just get delayed. It's usually like 21 days.

• 1:10:05Caleb Hammer?

  But even if it does catch you up, that doesn't actually change anything because you'll end up here again because you're here now. Your business is gonna be just as fucked six months from now. You'll end up here again. You're not changing anything that got you here in the first place. So that check might catch you up, but it's not gonna change anything permanently.

• 1:10:25Speaker 02

  I think, I, I think we'll be okay.

• 1:10:27Caleb Hammer?

  Oh, good. That's an incredible strategy.

• 1:10:30Speaker 02

  The, the business has done nothing but grow.

• 1:10:33Caleb Hammer?

  But you're behind on payroll. You're behind on payroll. How can we have this optimism if you're behind on payroll? That is a literal fact today.

• 1:10:40Speaker 02

  I just have to figure out the finances.

• 1:10:44Caleb Hammer?

  You can tell me your business has grown if you can't even figure out the business, the finances, dude.

• 1:10:50Speaker 03

  Yeah, he

• 1:10:51Caleb Hammer?

  What a joke.

• 1:10:52Speaker 03

  He's never good at numbers.

• 1:10:54Caleb Hammer?

  What a fucking joke. What is this? Discover? I have a discover payoff schedule. What is this? Discover?

• 1:11:01Speaker 02

  That's everything.

• 1:11:02Speaker 03

  What?

• 1:11:03Caleb Hammer?

  Huh?

• 1:11:03Speaker 02

  Discover.

• 1:11:04Caleb Hammer?

  It? What? Oh, discover it. Why don't I just have the statement?

• 1:11:08Speaker 03

  Is that the card? Is the card?

• 1:11:10Caleb Hammer?

  Are you guys sending me numbers on pages instead of the statement? I can't give you a well-rounded analyzation of everything. If I don't... Yeah, dude, why are you just giving me fucking numbers? I need to see where money's being spent. Guys, what is this? What am I supposed to do with this shit?

• 1:11:24Speaker 03

  He sent it.

• 1:11:25Caleb Hammer?

  What is wrong with you? No wonder you can't get your shit together. You can't even send me what I need.

• 1:11:29Speaker 02

  I thought that was everything. I thought it happened.

• 1:11:32Caleb Hammer?

  What? Well, is this the minimum payment? No, it's not. Discover it? Pull it up on your phone, you moron.

• 1:11:42Caleb Hammer?

  You fucking moron. I can't do anything. This is, this is his desired payoff schedule. That means nothing. What? You, you, oh, oh, how did you not follow our instructions? Oh, the absolute morons that come on this show. It blows my mind. Calebhammer.com/apply. It fucking blows my mind. You guys are crazy.

• 1:12:05Speaker 03

  Which one's that?

• 1:12:06Caleb Hammer?

  Discover!

• 1:12:07Speaker 03

  Discover. We have two. We have one personal loan and then the discover card.

• 1:12:11Caleb Hammer?

  I don't know. He just put discover because he's a

• 1:12:18Caleb Hammer?

  Okay, well, it's, it must be the loan then. Do you know how to get to the loan? You pathetic

• 1:12:24Speaker 03

  Oh, hit account.

• 1:12:25Caleb Hammer?

  Because that's 15,000, which is double what this is.

• 1:12:39Speaker 03

  It won't let you click?

• 1:12:40Speaker 02

  No.

• 1:12:41Speaker 03

  Is it defaulted?

• 1:12:42Speaker 02

  Probably.

• 1:12:44Caleb Hammer?

  It's defaulted? What is this payment amount thing?

• 1:12:48Speaker 03

  410?

• 1:12:49Caleb Hammer?

  Yes. Is that the minimum or is that what you want to put towards it? Because it doesn't make, it's only a couple of years. That's obviously not a credit card.

• 1:12:55Speaker 03

  So it's a consolidation loan?

• 1:12:57Caleb Hammer?

  This is a discover consolidation loan?

• 1:12:58Speaker 03

  Yes.

• 1:12:59Caleb Hammer?

  But it's defaulted, you said?

• 1:13:00Speaker 03

  Yeah.

• 1:13:00Speaker 02

  Yeah.

• 1:13:05Caleb Hammer?

  So your payment plan, it doesn't exist. It's defaulted, you

• 1:13:12Caleb Hammer?

  Aren't you considering consolidating again? I thought I saw that in your notes.

• 1:13:15Speaker 02

  That was the first consolidation.

• 1:13:17Caleb Hammer?

  And you're consolid... Well, how many consolidations have you done?

• 1:13:19Speaker 02

  Three.

• 1:13:21Speaker 03

  Yeah, the third one is Freedom Debt Relief.

• 1:13:23Caleb Hammer?

  Listen, we, we offer, we have a marketplace of great personal loans. I like debt. I take debt. Debt is good. If you can use it right, I'm Calebhammer.com. Check it out. That's for people who can manage it. You clearly cannot. Consolidations are not working for you. You, you do not fix the behavior that got you there in the first place. So you keep consolidating. What the is wrong with you guys? Why are you even considering another one today? Huh?

• 1:13:46Speaker 03

  He, he's considering it.

• 1:13:48Caleb Hammer?

  Say no!

• 1:13:50Speaker 02

  It was either just don't pay anything or consolidate.

• 1:13:54Caleb Hammer?

  Or just go get a job. I'll give you a course career certification, both of you, and whatever you want. Trades, tech, construction, whatever. It's really good. People in the audience have converted them into six-figure jobs or raises. I'll get you that course course is amazing for certifications. Take that, go get a job. Your business is a failure, then pay.

• 1:14:13Speaker 02

  I'll keep scooping poop, but she can

• 1:14:14Caleb Hammer?

  Oh.

• 1:14:17Caleb Hammer?

  You, you're more, you more care about following the dream than keeping the roof over your kids' heads.

• 1:14:21Speaker 02

  Yeah, I, I think

• 1:14:23Caleb Hammer?

  Oh, did you hear? Yes, because he was saying yes.

• 1:14:26Speaker 02

  I think it'll all come together.

• 1:14:28Caleb Hammer?

  That's not a strategy nor an answer to my question.

• 1:14:33Caleb Hammer?

  Ladies and gentlemen, I got something new to help you that we have personally built right here on Calebhammer.com. We have new Caleb Hammer Financial Resources. They are the ones I would personally use, which is why we made them for you to use. As you've already heard me talk about, personal loans are okay when you're good at debt. I personally use them when I can leverage them for a situation. So we have good personal loans on Calebhammer.com. We also have auto insurance now. You can check for free and see if you can save a shit ton of money on auto insurance. Remember, none of this actually matters if you continue the same bad behavior. So it's not for you if you still suck. But if you've proved you can budget, check out these programs from personal loans to car insurance to see if you can save a shit ton of money across the board.

• 1:15:18Caleb Hammer?

  Go to Calebhammer.com or the Caleb Hammer Financial Resources part of the pinned comment or description below and save a shit ton of money. Starbucks is bullshit and a waste of money, and you already know that by making your coffee at home and investing the rest. So now you need to do that with your energy drink as well. Make gamer subs at home for just 40 cents a serving. Honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show, Fat and Fatter. The number one ranked energy drink is gamer subs. Literally, the cherry flavor is insane. Listen, you can also get free samples to see if you like it or 10% off your order at gamersubs.gg

• 1:16:02Caleb Hammer?

  or click that link in the description below. Type in code Caleb. Oh, okay. Wow. Wonderful. That's great. Why'd you get a critical health notification?

• 1:16:12Speaker 02

  Mo Medicine.

• 1:16:14Caleb Hammer?

  Are you on?

• 1:16:15Speaker 02

  Uh.

• 1:16:16Speaker 03

  We're on the same thing.

• 1:16:17Speaker 02

  SSRI stuff, just hentai.

• 1:16:20Caleb Hammer?

  Freedom Debt Relief. So here's another consolidation, huh?

• 1:16:24Speaker 02

  Uh, yes.

• 1:16:28Caleb Hammer?

  4,600. What's your minimum? I wish you could send me the statement so I could see it, but what's your minimum?

• 1:16:33Speaker 02

  4,600.

• 1:16:34Caleb Hammer?

  What's your minimum payment?

• 1:16:38Caleb Hammer?

  Dumbass, stupidest person I've ever met. That brain damage is real.

• 1:16:42Speaker 02

  1,100.

• 1:16:43Speaker 03

  11, 11, 1147 to be exact.

• 1:16:47Speaker 02

  Every two weeks.

• 1:16:49Caleb Hammer?

  You're telling me it gets paid off in two months?

• 1:16:52Speaker 02

  No. No, it's 170,000.

• 1:16:59Caleb Hammer?

  What is?

• 1:17:00Speaker 03

  Total debt.

• 1:17:02Caleb Hammer?

  What is?

• 1:17:03Speaker 03

  Total. All the cards.

• 1:17:05Caleb Hammer?

  No, you guys, you actual stupid people. You guys, how are you this stupid? Freedom Debt Relief of 4,600. What is your minimum payment for that?

• 1:17:21Speaker 03

  No, that's the, that's the program and then

• 1:17:24Speaker 02

  We pay, we pay 1,100 every two weeks and

• 1:17:30Caleb Hammer?

  So freedom, shut up. So Freedom Debt Relief gets paid off in two months then?

• 1:17:36Speaker 02

  No, four and a half years.

• 1:17:38Caleb Hammer?

  No, you, you gave me a balance of 4,600. What is the payment then?

• 1:17:46Speaker 03

  1147 every two weeks.

• 1:17:48Caleb Hammer?

  That doesn't make sense. You wrote, you wrote it on this page, the balance, 4,600.

• 1:17:55Speaker 03

  That's what they have in their account to pay the settled amount, right?

• 1:18:00Speaker 02

  Yeah, something, but

• 1:18:03Caleb Hammer?

  Huh? No, okay. Listen, listen. Hey, you actual stupid people. You wrote on here, Freedom Debt Relief, 4,200 or 4,600. Usually to me, that means the balance. What are you saying it means?

• 1:18:20Speaker 02

  That's what I've put into paying the debt.

• 1:18:23Caleb Hammer?

  Okay, why'd you just put it on a piece of paper with no context then? Because to me, look, I thought it was a balance. That's what usually people mean.

• 1:18:30Speaker 02

  Yeah. There's

• 1:18:33Caleb Hammer?

  So that's nothing. It's insignificant.

• 1:18:35Speaker 03

  Yeah.

• 1:18:37Caleb Hammer?

  Okay, we have a closed credit card.

• 1:18:39Speaker 02

  Because I paid 4,600 towards debt.

• 1:18:42Caleb Hammer?

  So what are you saying is, okay, that, that's your progress towards it, which I guess you didn't notate. You just put a number on a piece of paper with the title, which meant nothing to me. Okay, so what is owed on Freedom Debt Relief then?

• 1:18:54Speaker 02

  170,000.

• 1:18:59Caleb Hammer?

  Okay, those programs can be good depending.

• 1:19:04Caleb Hammer?

  But that's insane. And your minimum is 1,100 every other week?

• 1:19:08Speaker 02

  Yes.

• 1:19:09Speaker 03

  11, yeah, 11, 1147.

• 1:19:13Caleb Hammer?

  Why didn't you just write that on a piece of paper, you dumbass?

• 1:19:17Speaker 02

  Yeah. And it's, it's

• 1:19:20Caleb Hammer?

  So here's the cards that go into

• 1:19:22Speaker 02

  The

• 1:19:23Caleb Hammer?

  What?

• 1:19:23Speaker 02

  Three payments. Like the first month we signed up is three payments.

• 1:19:30Caleb Hammer?

  So that's your second consolidation. You're considering a third?

• 1:19:32Speaker 02

  That's the third.

• 1:19:33Caleb Hammer?

  That was the third. You're considering a fourth.

• 1:19:35Speaker 02

  The second, I don't even remember that.

• 1:19:37Speaker 03

  The second is the

• 1:19:38Caleb Hammer?

  Yeah, why learn anything?

• 1:19:39Speaker 03

  American Express Personal Loan.

• 1:19:42Caleb Hammer?

  So here's the cards that are in it. So all we know is a stacks up to 170,000. Auto loans are in it? Auto loans are in it?

• 1:19:52Speaker 02

  Yeah.

• 1:19:52Caleb Hammer?

  Auto loans are in it?

• 1:19:53Speaker 03

  Which one is that?

• 1:19:56Caleb Hammer?

  Ah, you guys suck. You guys suck at preparing to come on our show.

• 1:20:03Caleb Hammer?

  Okay, so never mind. These are not the ones in it. Why didn't you write the balance? Okay, okay. You said Navy Federal is 23,000. Where is that? Is that in the consolidation?

• 1:20:12Speaker 03

  Yes.

• 1:20:13Caleb Hammer?

  There's no context to any of this. Other loans, $2,000. What is this? I'm just gonna have to baby you and ask you now.

• 1:20:21Speaker 02

  Oh, Best Egg. Oh, 2,000.

• 1:20:23Caleb Hammer?

  Is it active or it isn't the consolidation?

• 1:20:25Speaker 03

  Active.

• 1:20:26Speaker 02

  That's active. You guys, that was, that's for my truck rap for the company.

• 1:20:36Caleb Hammer?

  You're scooping poop?

• 1:20:37Speaker 02

  Mm-hmm.

• 1:20:40Speaker 02

  It looks good.

• 1:20:43Caleb Hammer?

  No.

• 1:20:43Speaker 03

  I told him not to, but he had to get it.

• 1:20:46Speaker 02

  She was at work?

• 1:20:48Caleb Hammer?

  Show me.

• 1:20:50Speaker 02

  And

• 1:20:50Caleb Hammer?

  Show me.

• 1:20:53Caleb Hammer?

  Just fucking show me.

• 1:20:56Caleb Hammer?

  Yo, 2,032 for it. What's your minimum monthly payment on New Egg?

• 1:21:00Speaker 03

  $98.

• 1:21:02Caleb Hammer?

  You know the interest rate? I would love to see. You just won't send me statements because you suck at this show.

• 1:21:07Speaker 03

  Um, last time I checked, it was like 12%.

• 1:21:16Caleb Hammer?

  Dude, this looks like a fucking middle schooler dinner. Are you actually kidding me? Unlock your phone, anime freak.

• 1:21:26Caleb Hammer?

  Dude, it looks like a middle schooler just drew on a truck. It says a big American flag. It has nothing to do with scooping poop.

• 1:21:34Speaker 02

  I got a, uh, a sign up top too. Like, a light up sign.

• 1:21:42Speaker 02

  That says we scoop poop.

• 1:21:43Caleb Hammer?

  You laugh at this. I ordered that. Drugs are doing, I wonder for you.

• 1:21:47Speaker 02

  Can we scoop that poop?

• 1:21:50Speaker 03

  I made that.

• 1:21:51Speaker 02

  It's pretty cool. She, yeah, she made that, the topper. Well, she, she made the design.

• 1:21:57Caleb Hammer?

  You guys need to start feeding each other again. This is getting pathetic.

• 1:22:00Speaker 02

  But the, the, the rap.

• 1:22:02Caleb Hammer?

  What's the interest on Newegg?

• 1:22:03Speaker 03

  I think it was 12%.

• 1:22:05Caleb Hammer?

  Oh, you guys suck. Good thing you're kidding. Oh, wait, no, this is, uh, uh.

• 1:22:10Speaker 02

  I got that one on my own.

• 1:22:11Caleb Hammer?

  Shut the fuck up.

• 1:22:12Speaker 02

  Oh, she was at work.

• 1:22:14Caleb Hammer?

  I see auto loans, good standing, Toyota, 7,429.

• 1:22:18Speaker 02

  That.

• 1:22:19Caleb Hammer?

  So that's the truck I just saw?

• 1:22:20Speaker 02

  Yeah.

• 1:22:23Caleb Hammer?

  You wrote this on the paper, dude.

• 1:22:24Speaker 02

  Yeah.

• 1:22:25Speaker 03

  Lease.

• 1:22:26Speaker 02

  Lease.

• 1:22:27Caleb Hammer?

  Lease, what's your minimum?

• 1:22:29Speaker 03

  Three, 10 on the truck.

• 1:22:35Speaker 03

  Why am I answering all these numbers? You're so, you're.

• 1:22:38Caleb Hammer?

  Cause you're the Asian.

• 1:22:39Speaker 03

  You took, you took over. You should be able to do that.

• 1:22:43Caleb Hammer?

  He should and he can't. Have you learned something yet?

• 1:22:48Caleb Hammer?

  Stupid ass. Business blue or blue business?

• 1:22:52Speaker 02

  Yes. Blue business.

• 1:22:55Speaker 03

  American.

• 1:22:56Speaker 02

  American Express. That's a business card. Uh, I don't, I don't use it anymore. Um.

• 1:23:04Caleb Hammer?

  Well, it's maxed out. Over your limits. Not because you actually changed something and improved your life.

• 1:23:12Caleb Hammer?

  $2,0252, minimum monthly payment, $60. Charges, fees, stupidity.

• 1:23:26Speaker 03

  How much did you?

• 1:23:27Speaker 00

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

• 1:23:56Speaker 03

  You said? That's a lot.

• 1:23:59Caleb Hammer?

  It's a lot.

• 1:24:04Caleb Hammer?

  Okay, the synchrony, that must be in the thing cause it's closed, right?

• 1:24:08Speaker 03

  Yes.

• 1:24:10Speaker 02

  Yeah.

• 1:24:10Caleb Hammer?

  Wow, she, you can't answer a single question. It's just her. Discover it. This is the statement you sent.

• 1:24:17Caleb Hammer?

  Okay, this is the one I saw on your phone, you stupid piece of shit. I can't not insult you. You are the, one of the stupidest people I've ever met in my life. Okay, you're making the minimum. You owe $16,119.56 of the minimum monthly payment of $317. Yeah, that's gonna be hard. Luckily, interest is low. You must have called them, gotten low interest.

• 1:24:34Speaker 03

  Um, he.

• 1:24:36Caleb Hammer?

  Forty-two years to pay off.

• 1:24:37Speaker 03

  We used that card for the business. Yeah, and then I called Discover to ask him for any promotional APR.

• 1:24:45Caleb Hammer?

  Yep, and they did. So, well, you just got, yep, at 0%. So before you default, call the card. I don't know why people aren't willing to do that.

• 1:24:54Caleb Hammer?

  Oh, you started putting a ton of money into Facebook, Google Ads as well. How much? Before you even take home money to pay your bills, how much?

• 1:25:00Speaker 02

  Uh, about.

• 1:25:01Caleb Hammer?

  Off of first.

• 1:25:02Speaker 02

  About a thousand a month.

• 1:25:06Speaker 03

  Yes.

• 1:25:08Caleb Hammer?

  Are you even tracking it all? Do you even know?

• 1:25:12Speaker 03

  We use Monarch for business tracking.

• 1:25:14Caleb Hammer?

  Oh, I hate you guys. Is this in the consolidation? It says need attention.

• 1:25:18Speaker 03

  Yes, that one, yes.

• 1:25:21Speaker 02

  Capital One? Oh, that's business too.

• 1:25:23Caleb Hammer?

  Is that one, is it?

• 1:25:24Speaker 03

  No, that's not.

• 1:25:24Speaker 02

  No.

• 1:25:25Caleb Hammer?

  Credit One?

• 1:25:26Speaker 03

  Uh, Capital One.

• 1:25:28Caleb Hammer?

  Credit One.

• 1:25:30Speaker 03

  No, it's a Capital One.

• 1:25:32Caleb Hammer?

  Capital One.

• 1:25:34Speaker 03

  Um, that one is business.

• 1:25:36Speaker 02

  That one is.

• 1:25:37Caleb Hammer?

  No, is it in the consolidation?

• 1:25:39Speaker 03

  I don't think so. Oh, yeah, that one is, if it says needed attention, yeah.

• 1:25:43Caleb Hammer?

  Okay, what is the CBNA?

• 1:25:46Speaker 03

  That is, I think it's Best Buy.

• 1:25:49Caleb Hammer?

  Oh, good. I wish I could see the statement. $1,585. What's your minimum monthly payment?

• 1:25:56Speaker 03

  That one's in default. That one's in.

• 1:25:58Caleb Hammer?

  It says in good standing.

• 1:25:59Speaker 03

  Is it?

• 1:26:00Caleb Hammer?

  Yes, retard.

• 1:26:05Caleb Hammer?

  THD.

• 1:26:07Speaker 03

  Oh, no, that's a Home Depot.

• 1:26:09Caleb Hammer?

  What's the minimum payment?

• 1:26:11Speaker 03

  Thing was like $60, 40. Yes, you have. It's on auto, it's on auto.

• 1:26:15Caleb Hammer?

  USA. FSB.

• 1:26:19Speaker 03

  That's me. That's, uh.

• 1:26:21Caleb Hammer?

  199, what's the minimum monthly payment?

• 1:26:23Speaker 03

  Uh, 15.

• 1:26:26Caleb Hammer?

  I hate you guys. No, I don't. Yes, I do, kind of. Amex, in good standing. No statement, of course.

• 1:26:34Speaker 03

  How much is it?

• 1:26:35Caleb Hammer?

  $2,434. What's the minimum?

• 1:26:40Speaker 03

  Uh, Amex, 35.

• 1:26:45Caleb Hammer?

  That's crazy. I don't know if it'll be paid off. Navy Federal Credit Union, closed. That must be in the consolidation, right?

• 1:26:51Speaker 03

  Yes.

• 1:26:54Caleb Hammer?

  JP Morgan Chase card, closed, 6,000, must be in consolidation. CB, CBNA card, 3,200, must be in consolidation. It is closed. Same with the Citi, 3,000, right?

• 1:27:04Speaker 03

  Mm-hmm.

• 1:27:05Caleb Hammer?

  Okay. Oh my goodness, it just never ends. Okay, I have OAG Child something, 6,942, in good standing. What is that?

• 1:27:12Speaker 03

  Child support?

• 1:27:14Caleb Hammer?

  You O1 child support?

• 1:27:16Speaker 02

  Yes.

• 1:27:16Caleb Hammer?

  What is wrong with you?

• 1:27:17Speaker 02

  Uh, after I got out the W2 job.

• 1:27:25Caleb Hammer?

  What you, oh, you're the guy on the other side. When I hear, then talk to the woman that's like, he's not paying. Why aren't you paying?

• 1:27:33Caleb Hammer?

  Why are you not paying?

• 1:27:36Speaker 02

  I need to pay it. I just, I.

• 1:27:37Caleb Hammer?

  Good, why are you not paying it? That did not answer my question.

• 1:27:40Speaker 02

  Well, they, they made it really difficult to pay.

• 1:27:41Caleb Hammer?

  Okay, why have you not paid?

• 1:27:42Speaker 02

  Cause I can't just pay the state. I have to pay a third party thing.

• 1:27:45Caleb Hammer?

  Good, why haven't you? Why haven't you paid $6,942?

• 1:27:50Speaker 03

  Cause he doesn't like his ex-wife.

• 1:27:52Speaker 02

  Yeah, I just don't.

• 1:27:53Caleb Hammer?

  Well, that's okay. You still have to pay child support for the sake of your kids, you pathetic worm.

• 1:27:58Speaker 02

  Yeah.

• 1:28:00Caleb Hammer?

  Yeah, that's all, that's all I get.

• 1:28:01Speaker 02

  Whenever, okay, so they don't even call me dad.

• 1:28:04Caleb Hammer?

  Don't care.

• 1:28:05Speaker 02

  And.

• 1:28:05Caleb Hammer?

  This is your responsibility. You busted the nut.

• 1:28:10Speaker 02

  They'll get paid.

• 1:28:12Caleb Hammer?

  That's not an.

• 1:28:12Speaker 02

  I, I just have to get everything taken care of first and then.

• 1:28:17Caleb Hammer?

  I hope the courts come after you and garnish you. You're pathetic. That's your responsibility as a man.

• 1:28:24Caleb Hammer?

  You're not being a man right now. You're being a little pussy bitch.

• 1:28:30Caleb Hammer?

  Pathetic.

• 1:28:32Speaker 02

  I'll pay it.

• 1:28:33Caleb Hammer?

  No, you won't.

• 1:28:35Caleb Hammer?

  Doubt it.

• 1:28:37Caleb Hammer?

  Credit card, limit $20? Spending, wait, whoa, whoa, whoa, what?

• 1:28:42Speaker 03

  That's a.

• 1:28:43Speaker 02

  That's a, uh, that's like a weird one. Yeah, you can only spend what you have and then they take it every day.

• 1:28:50Caleb Hammer?

  Okay, it's more like a charge card.

• 1:28:52Speaker 02

  But a lot of.

• 1:28:53Caleb Hammer?

  What's this business card doing, ladies and gentlemen? Let's find out what a successful business spends money on. Popeyes, Uber Eats, malt, Guyak, Burger King, Unico, Auntie Anne's, Auntie Anne's for poop, for picking up poop. For picking up poop. Uh, Bubble Tea House, Tractor Supply, maybe, Tractor Supply, maybe, actually, Anthropic, using Claude to pick up poop.

• 1:29:15Caleb Hammer?

  I didn't know AI could do that yet. Tory Burch, Bubble Tea House. Going inside the gas station and getting some bullshit. What are you getting inside the gas station?

• 1:29:22Speaker 02

  Energy drinks.

• 1:29:23Caleb Hammer?

  All right, you pathetic piece of shit. When does it come out, Brandon? July 24th, if you haven't had it yet, here's Gamer Subs, but we have the, they are finally, the Caleb Hammer flavors out. Look at this. See the one with me? Every one, one out of every 100 purchasers will get the special edition with me on it. The rest will get the typical dumpster fire liquid assets. It is the most delicious flavor. We were curating that shit for months. Picking and choosing, doing blind taste tests, and we curated the most amazing flavor. Check out the liquid asset. Caleb Hammer Gamer Subs, it's 40 cents a serving. Instead of stopping in and getting an energy juice you can't afford, just like making your coffee at home, instead of getting Starbucks, you fucking piece of shit.

• 1:30:03Caleb Hammer?

  Fuck you. Get Gamer Subs, use my discount code. Get free samples to figure out what flavor you like, but I promise you, the best one is Liquid Assets.

• 1:30:12Caleb Hammer?

  Okay. Popeyes, again, Whataburger, Karaman. So this is, these are business expenses for picking up poop. I do. Yeah, the IRS should destroy you.

• 1:30:24Caleb Hammer?

  Energy drinks, energy drinks, Whataburger, energy drinks, energy drinks, energy drinks, Bodega, energy drink, probably. Another business account. What did we get? On his business spending? The IRS is going to eat you alive at some point and you will deserve every moment of it. And I can't wait, especially since I'm subsidizing your household, you pathetic bald piece of shit.

• 1:30:49Speaker 02

  I paid the taxes.

• 1:30:53Caleb Hammer?

  You are abusing.

• 1:30:54Speaker 02

  Or I, well, I.

• 1:30:55Caleb Hammer?

  The money you are paying taxes on is less because you spend your own personal spending in your business account that is not for your business. Energy drink, energy drink, energy drink, energy drink, Jack in the Box, Amazon, frozen dugout. To pick up dog poop.

• 1:31:13Caleb Hammer?

  Energy drink. Tractor Spide, maybe. Sprouts for picking up dog poop? I don't get it. My IQ, twice?

• 1:31:24Speaker 03

  Where is that?

• 1:31:25Speaker 02

  I was, I was doing an IQ test.

• 1:31:28Caleb Hammer?

  To pick up dog poop.

• 1:31:35Speaker 03

  I forgot about it.

• 1:31:37Speaker 02

  Yeah, we're about to.

• 1:31:38Caleb Hammer?

  Oh, your chase. Who is this? Our personal?

• 1:31:43Speaker 03

  No.

• 1:31:43Caleb Hammer?

  Business?

• 1:31:44Speaker 03

  Yes.

• 1:31:44Caleb Hammer?

  Which one? Business or personal? Okay, your business started negative 247. You're saying it's growing. Go fuck yourself and your business. You are bad at business. Stop.

• 1:31:54Caleb Hammer?

  Okay, here's uh, here's our business spending checking account, ladies and gentlemen, so we can pick up spoop. Uh, there were scoops and poop. What do we do? Just love coffee. Just love coffee. A lot of Facebook ads. That makes sense.

• 1:32:11Caleb Hammer?

  Google ads. I mean, I you can't even tell me how they're performing, so I probably wouldn't do it yet. I would like contract like a third party expert on that shit.

• 1:32:20Speaker 02

  We did, but they're expensive and.

• 1:32:21Caleb Hammer?

  They are, but you are literally throwing money into the ether.

• 1:32:24Speaker 02

  She's doing better than they were doing.

• 1:32:27Caleb Hammer?

  What's your customer acquisition cost?

• 1:32:31Speaker 03

  I think right now is about, I forgot.

• 1:32:35Speaker 02

  Eighty, eighty-one, eighty-one dollars.

• 1:32:37Speaker 03

  We slowed down on that, on the ads, because we tried.

• 1:32:40Caleb Hammer?

  You don't even know that number. You're guessing. You think, like, what are we doing? Energy drink, energy drink, energy drink, McDonald's, Uber Eats, Chick-fil-A, Chick-fil-A, McDonald's, Jack in the Box. Mind you, to pick up dog poop.

• 1:32:56Caleb Hammer?

  Energy drink, Chronicle, Popeyes, bullshit, beach, energy drink, energy drink, McDonald's. Lots of potential bullshit. Academy Sports Outdoor, maybe. I don't know. Uh, Tulio, yeah, okay.

• 1:33:13Caleb Hammer?

  Jack in the Box, ChatGPT. You have Claude and ChatGPT to pick up dog poop. We, Inc.

• 1:33:21Speaker 02

  We, oh, that's the food.

• 1:33:23Caleb Hammer?

  What is it?

• 1:33:23Speaker 02

  The groceries.

• 1:33:24Caleb Hammer?

  Groceries.

• 1:33:25Speaker 02

  Yeah.

• 1:33:25Caleb Hammer?

  She's getting her groceries through your business account. IRS, do you hear this? And we are giving them a chunky refund because they are choosing to run a failed business while not pay taxes on the money they're actually earning because they write all this off.

• 1:33:39Caleb Hammer?

  Okay, all day shirts, energy drink, academy, sports, Apple Bill, Rapmate, Water Burger. Energy drink, just love coffee, just love coffee. Energy drink, energy drink. Marshalls, Kohl's, Zapier, okay, maybe, Amazon, donut.

• 1:33:59Caleb Hammer?

  Energy drink, bullshit, bullshit, Burger King, Amazon, review harvest. Lawn doctor, finally, actually maybe something Claude on here. You have Claude on here and on your credit card. You suck at everything. You suck at actually everything. Young Chef's Academy, two hundred thirty-three dollars. What's that? That's for.

• 1:34:19Speaker 02

  Our son goes to.

• 1:34:21Caleb Hammer?

  Through your business account.

• 1:34:22Speaker 02

  Yeah.

• 1:34:27Caleb Hammer?

  That he deducts from his profits, so he pays less in taxes. Which lowers your all's household income, which gets you a higher return. Return. Are you guys getting how America works yet? It's pathetic. We need a redo on our entire tax system and benefits for people like this. Dude, I my fractional CFO basically yelled at me because I accidentally spent a couple meals uh, that were my own personal meals on my business card, and it actually was an accident. It was this wrong connected Apple Pay. You have to ever get audited.

• 1:35:07Caleb Hammer?

  What? Your credit card? I have another debt? Blue cash every day? That's, yeah. Good death, guys. Good absolute death. Credit limit. Uh, previous, okay, yeah. Oh, you're just under. Okay, two thousand four hundred thirty-four dollars and twenty-seven cents. You did get fees. You did get interest. Your minimum payment is a hundred ten. Good death, guys. Yeah, hit return payment fee because you didn't have enough money in your checking account because you guys suck. Oh, personal checking account, a dollar sixty-eight cents in there. Yeah, you guys will get evicted. Not evicted, foreclosed on. A good thing. This is our personal. At least we did this on personal, but here we go to the bullshit spending again.

• 1:35:46Caleb Hammer?

  Remember when they said they didn't have enough money to pay your employees? I hope your employees see this right now and see that you guys spend minimum on bullshit, three thousand dollars a month minimum. Well, you're choosing not to pay them.

• 1:35:59Speaker 02

  Actually, I pay them first, though.

• 1:36:02Caleb Hammer?

  Actually, we're gonna call your employee in the post show.

• 1:36:05Speaker 02

  Okay.

• 1:36:06Caleb Hammer?

  And I'm gonna tell them exactly what is happening here.

• 1:36:10Caleb Hammer?

  And that is for you to face as their boss. Yeah.

• 1:36:15Caleb Hammer?

  Shipley's, Pizza Hut, Amazon, Tooty Fruity, Wave Pro, Amazon, Amazon, Apple Bill. Toll's, Apple Bill, Toll's, Apple Bill, Disney Plus, Energy Drink, Apple Bill, Chick-fil-A, Kids Empire again, Kids Empire again, Paramount Plus.

• 1:36:35Caleb Hammer?

  Getting your groceries delivered, but not paying your employees. Apple Bill, Uber Eats. Water Burger, Energy Drink, Apple, Amazon, Amazon, Peacock, Amazon.

• 1:36:47Caleb Hammer?

  Probably bullshit. Overdrafting three hundred six dollars. What the fuck are we doing? Like, what is happening? Dude, I don't know how to budget this. So I did this to another business owner that's an absolute mess. I will gift you a session with our fractional CFO.

• 1:37:01Speaker 02

  Okay.

• 1:37:02Caleb Hammer?

  And he'll go through your business expenses and try to get you guys situated. Because the reality is, I don't know what the fuck to do here. I don't know what actual income comes in. But I will budget your expenses for your house, and then we can figure out what we at least need to make, which might mean you're giving up on your business and firing your employees. Unfortunately, that was your selfish choice. And go ahead and get in your job. Let's figure out what you need to make.

• 1:37:22Caleb Hammer?

  Okay, oh, we know your mortgage, two thousand five hundred ninety-two. What's all of your utilities, internet, gas, electric, all combined on a minimum monthly basis average?

• 1:37:33Speaker 02

  Electricity is what, two twenty?

• 1:37:35Speaker 03

  Mm-hmm.

• 1:37:36Speaker 02

  Two twenty and then gas is?

• 1:37:39Speaker 03

  Gas is about thirty.

• 1:37:41Speaker 02

  Water?

• 1:37:41Speaker 03

  Internet.

• 1:37:42Speaker 02

  Oh, internet.

• 1:37:43Speaker 03

  Internet is ninety.

• 1:37:44Caleb Hammer?

  Water?

• 1:37:45Speaker 03

  Water is about a hundred.

• 1:37:48Caleb Hammer?

  Good death.

• 1:37:50Caleb Hammer?

  Okay, four, four, zero. Gotcha. Phone bill.

• 1:37:56Speaker 02

  Four forty?

• 1:37:56Speaker 03

  Four forty.

• 1:37:57Caleb Hammer?

  Definitely do helium once these phones are paid off for just as good service for fifty dollars a line. The phones have to be paid off, which I know they're not for four forty. Gas, room, room, drive, drive, not business, because that actually would be business expense.

• 1:38:09Speaker 02

  Oh.

• 1:38:09Caleb Hammer?

  Private daily use.

• 1:38:11Speaker 02

  Two hundred.

• 1:38:12Caleb Hammer?

  Okay, car insurance.

• 1:38:13Speaker 02

  Two hundred.

• 1:38:13Caleb Hammer?

  Not business.

• 1:38:15Speaker 03

  Um, it's.

• 1:38:15Caleb Hammer?

  This is household budget.

• 1:38:17Speaker 02

  Just yours.

• 1:38:18Speaker 03

  It's like two, two thirty.

• 1:38:21Caleb Hammer?

  Okay, grocery budget for, I think we can do a thousand bucks. Meal prepping, meal planning, use the cookbook, use the meal plan, dollar wise. TP fund, anything else you and your kids need to survive. This goes to like the climate shit as well. Three hundred dollars should be fine. Medical, healthcare.

• 1:38:34Speaker 02

  What about their kids' activities?

• 1:38:35Caleb Hammer?

  Yeah, exactly. You budget into that. Can't afford much more. Look at you guys. You're dying. You're gonna lose a roof over your head. Their activities are not as inborn as a roof and utilities. I'm sorry, that's basic reality. Life matters. Medical, healthcare, are there copays on a monthly basis? I know you guys are all fucked up. No? Why?

• 1:38:52Speaker 03

  Well, for me.

• 1:38:54Caleb Hammer?

  Okay.

• 1:38:54Speaker 03

  Oh, yeah, like every, maybe like a hundred and fifty dollars for me.

• 1:38:58Caleb Hammer?

  Oh, that's huge. What? You said no to a hundred and fifty? Okay, any gym?

• 1:39:03Speaker 02

  No.

• 1:39:04Caleb Hammer?

  Okay, subscriptions. I'll try, I'll try like seventy-five dollars. Pets?

• 1:39:10Speaker 03

  Four dogs.

• 1:39:11Caleb Hammer?

  Good death. Two hundred dollar pet insurance. How much for pet food?

• 1:39:17Speaker 02

  Uh, four hundred.

• 1:39:19Speaker 03

  A month?

• 1:39:20Speaker 02

  Yeah.

• 1:39:22Caleb Hammer?

  That's crazy.

• 1:39:23Speaker 03

  I don't think that's.

• 1:39:24Caleb Hammer?

  They have like special diets. That's pretty intense.

• 1:39:26Speaker 03

  No, no, no, no, no. It's seventy-something plus.

• 1:39:30Speaker 02

  Not a month. They go through the whole bag of food and.

• 1:39:32Speaker 03

  No, it's like two fifty.

• 1:39:34Caleb Hammer?

  Two fifty?

• 1:39:34Speaker 02

  Two fifty.

• 1:39:35Speaker 03

  Yeah.

• 1:39:36Caleb Hammer?

  Okay, we'll do two fifty then.

• 1:39:38Speaker 02

  But the pet insurance.

• 1:39:41Caleb Hammer?

  Yeah.

• 1:39:41Speaker 02

  That's a lot.

• 1:39:43Caleb Hammer?

  Yeah, and guess what? You chose to take them on, and they will die if you cannot afford life-saving surgery when it happens. Pathetic.

• 1:39:52Caleb Hammer?

  Needed to survive. Basically, six thousand dollars. May as well round it up. Now, you already get three thousand practically from the military. You need an extra three thousand one hundred on a month. What?

• 1:40:04Speaker 02

  The eleven hundred dollar payment every two weeks?

• 1:40:07Caleb Hammer?

  What?

• 1:40:09Speaker 03

  The freedom debt really.

• 1:40:10Caleb Hammer?

  Oh, you're right. Actually, I do add up your minimum monthly debt payments.

• 1:40:15Caleb Hammer?

  Okay, actual financial advice, because you will not be afforded to live. CFO, he'll break down your business shit. We'll see if the business is worthy or not. Bankruptcy. That's it. I mean, guys, if I add up these minimum payments, it's gonna be another three thousand, four thousand dollars. You can't afford to live. It's bankruptcy. You guys are done. Don't do it yet. I would just let, I would see if you can budget for three months. If you can budget for three months, then I will allow you to go through bankruptcy, because if you do not change your behavior that got you here in the first place, we'll be talking in two years and you'll be facing bankruptcy again. Well, bankruptcy is basically like, that's it. Or else you're gonna allow this all to go to collections. Most will be fine, but some might sue you, and then those courts will order garnishment of wages. So bankruptcy.

• 1:40:59Caleb Hammer?

  Try to keep the house, try to keep the cars, try to keep the business, sit down with Reed, go through the business, because I don't even have, like, this is a mess. What a joke. It would take me hours. All right, in the post show, I'm gonna call his employee, though, and we're gonna confront that situation. This is gonna be one of the best post shows ever. Hammer Financial Score first, though. Spending in a budget overspend, zero out of ten. Your debt score, there's collections, zero out of ten. Emergency fund, I didn't see savings, zero out of ten. Retirement, nothing, zero out of ten. Real estate, at least you have that, but it's breaking even. What's your interest rate on that house?

• 1:41:28Speaker 03

  About five point seven five.

• 1:41:30Caleb Hammer?

  Okay, so I mean, breaking even, you'd have to write a check today, so it's not great. At least you're in the market. I'll give you a five out of ten there for the real estate score.

• 1:41:39Caleb Hammer?

  Because this is, well, you're behind, so I'm actually gonna put a three. That's just being hyper generous at that point. Hammer Financial Score, just because you're in the real estate market unless you lose it, one out of ten. Get yours at CalebHammer.com. Now click that join button to join for the Financial Auto Post Show, an extra twenty minutes of this episode. The confrontation is gonna be incredible with his employee. You get three premium shows every single day, six days a week, so click that join button to join here on YouTube, or you can join on the Hammer Elite app or HammerElite.com. I'll see you in the post show. Let's call the full timer. How long has it been since your boss has paid you? You work for him full time.

• 1:42:15Speaker 03

  Single mother.

• 1:42:16Caleb Hammer?

  And you're a single mother, correct?

• 1:42:18Speaker 03

  Yeah.

• 1:42:18Caleb Hammer?

  He is choosing on the business account to spend, actually, I believe it was about three thousand dollars, going out to eat and stopping in the gas station and getting things. That's what he is choosing to spend a month on the business instead of paying you a full paycheck. This is one of the most disgusting things I've seen on the show. I just launched the brand new Hammer Elite app, available on every major platform, so you can watch every show anywhere you want. You'll get three exclusive dedicated shows every single day, Monday through Saturday. Refer a friend after you sign up, and you get an additional thirty days of Hammer Elite access for free. Download the Hammer Elite app by using the link in the description or pin comment down below. This is the best membership you'll ever join, and that's a promise.

• 1:43:01Speaker 00

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