Financial Audit's Most Toxic Couple

*I CALL HER MOM* and get the opinion on the "r*pe" and oh my goodness... this is the most insane convo I have ever had in my life. It goes off the rails. Watch post show here: https://hamr.link/ytjoin *OR* download the brand new Hammer Elite App ➡ https://hammerelite.com/#join (discounted annual) 💰 Download Dollarwise - Big Deals, New Features, Free Trial: https://go.dollarwise.com/join ============================= *Caleb Hammer Financial Resources* ============================= 👉 *PERSONAL LOANS* Shop for the best personal loan for a new purchase, a consolidation, or something else → https://shorturl.at/c53Eg 👉 *DEBT RELIEF* Finally experience relief from your debt once and for all → https://shorturl.at/VbGPv 👉 *CREDIT BUILDER* Got crappy credit? Break free and finally build it for good → https://shorturl.at/zZf2P 👉 *AUTO LOANS* Get the best rates on an auto loan or refinance → https://shorturl.at/vNxQL 👉 *CAR INSURANCE* Find and compare much better AND cheaper car insurance for free → https://shorturl.at/vGDD5 ============================= 🔥 MY NEW FLAVOR IS FINALLY LIVE!! Get Liquid Assets *NOW* for under 40 cents per serving!! Get 10% off your entire order with code CALEB - https://hamr.link/calebdrank 🔥 Get Your Own *Hammer Financial Score* → https://hamr.link/newquiz ============================= *Sponsors for This Video* ============================= Go to https://lelo.to/LELOF2sDSxCaleb and use code HAMMER20 for an extra 20% off on ALL products and stackable with current discounts 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 Ready to reach your goals? Visit https://hims.com/hammer to get a personalized, affordable plan that gets you. For the first time ever you can try NetSuite Next for FREE at https://netsuite.com/HAMMER If you or someone you know experienced serious mental health struggles as a result of social media use, you may be entitled to a potential recovery of over $1,000. Visit https://morganmorganpa.sjv.io/c/7273707/3841482/23429?sharedid=caleb-hammer to submit a claim now. ============================= *Education* ============================= 👉 Get access to EVERYTHING I offer all in one place: https://bit.ly/4sUm2pb ⚡Learn how to budget: https://bit.ly/4sspyGh ⚡Learn how to invest: https://bit.ly/41mr8OP ⚡Pay off your debt: https://calebhammer.com/master-your-debt ============================= *Extra Resources* ============================= 👉 Land a high-paying job with no experience or degree: ➡ https://coursecareers.com/CalebHammer 👉 Get FREE MONEY by investing with Public! https://secure.moneymatchup.com/public-caleb 👉 Find the best credit cards for you with my quiz! https://cards.calebhammer.com/yt 👉 Get $20 from Acorns for free: ➡ https://acorns.com/caleb 👉 Helium Mobile: Use promo code CALEB for a FREE plan ➡ https://hellohelium.com/ 👉 Protect your online privacy and security for free with Aura: ➡ https://aura.com/hammer 👉 Checking & Savings: Get up to $350 and 3.75% APY on savings with Chime®: https://secure.moneymatchup.com/-caleb-chime-YT ============================= *Chapters* ============================= 00:00 Intro 01:40 Jobs & Income (?) 06:00 soo divorce is on the table... 11:28 is it hard to just not hit your spouse? 20:30 these two should not be together 26:30 she loves getting the attention of people IN PRISON LMAAO (she gota be cheating) 34:15 errrm i think thats r*pe 41:25 Financial Audits Most Toxic Couple!! 52:00 30-year-old using mommys credit card?? 01:05:10 americans and their attachment to cars is so weird lol 01:11:10 "its for my child" buddy... 01:20:53 taro cards and lacking basic vocabulary.. shes COOKED 01:28:15 bullsh*t bullsh*t bullsh*t (and tattoos) 01:31:30 Budget!! ============================= Want more content? ============================= 🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips 🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel 🍿 Caleb Hammer Top Videos https://www.youtube.com/@CalebHammerTopVideos ============================= *Connect with me!* ============================= TikTok: https://www.tiktok.com/@calebhammercomposer X: https://x.com/sircalebhammer IG: https://www.instagram.com/calebhammercomposer/ Facebook: https://www.facebook.com/calebhammercomposer/ ============================= *Want to be a guest on Financial Audit?* ============================= 👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply *Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. Sponsorship and business inquiries: [email protected] Learn more about your ad choices. Visit megaphone.fm/adchoices

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

• 0:01Speaker 00

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

• 0:26Speaker 01

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• 0:45Caleb Hammer?

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

• 0:48Speaker 03

  We're still together because I have nowhere to go.

• 0:51Caleb Hammer?

  I mean, she gave you divorce papers, right?

• 0:54Speaker 04

  Yeah, I've received those.

• 0:55Speaker 03

  So we've gotten physical.

• 0:57Caleb Hammer?

  What do you mean gotten physical? When did we get physical?

• 0:59Speaker 03

  He started to have sex with me and I kept telling him, no, no, no, no.

• 1:03Speaker 04

  This is some bullshit.

• 1:04Speaker 03

  Literally.

• 1:04Speaker 04

  This is the biggest bunch of bullshit you have ever heard this year. I swear to God.

• 1:09Caleb Hammer?

  Hold on, what happened?

• 1:11Speaker 03

  So I've launched this man off of me multiple times.

• 1:14Speaker 04

  She told my mom I was.

• 1:16Speaker 03

  Yeah, I sure did. I sure did.

• 1:18Caleb Hammer?

  My friend, that is.

• 1:19Speaker 04

  It sounds bad, but it's really not.

• 1:20Caleb Hammer?

  It sounds bad.

• 1:21Speaker 04

  I know it sounds bad, but it really ain't.

• 1:23Speaker 03

  He always gets intense.

• 1:24Caleb Hammer?

  Do you forgive him for what happened?

• 1:25Speaker 03

  No.

• 1:26Caleb Hammer?

  Dollar Wise is about to launch its biggest update ever. My team and I have been working day and night. And in the next few weeks, Dollar Wise web goes live. For the first time, Dollar Wise is coming to your desktop, giving you a bigger, easier way to see exactly where your money goes. Plus, we're launching the Dollar Wise referral games with real money and huge prizes. You do not want to miss this. Download Dollar Wise using the link below and create your account now. Because when the Dollar Wise update drops, the games begin.

• 1:58Caleb Hammer?

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

• 2:19Speaker 03

  Hi, I'm Caitlin. I'm 28 years old.

• 2:21Speaker 04

  I'm Tim. I'm 30 years old and we're from Clarksville, Tennessee.

• 2:24Speaker 03

  And this is Financial Audit.

• 2:27Caleb Hammer?

  Well, what do you do Caitlin for a living?

• 2:30Speaker 03

  I am currently a nurse and I'm currently in school to get my.

• 2:33Caleb Hammer?

  Nurses make money. Oh, but you're in school for what? Sorry?

• 2:36Speaker 03

  To get my bachelor's.

• 2:37Caleb Hammer?

  In nursing?

• 2:38Speaker 03

  Yes.

• 2:39Caleb Hammer?

  So you're not like a nurse?

• 2:40Speaker 03

  No.

• 2:40Caleb Hammer?

  You're like a nurse's aide?

• 2:41Speaker 03

  No, I'm a nurse.

• 2:43Speaker 04

  It's LPN.

• 2:44Speaker 03

  I'm in, it's LVN in Texas, but I'm doing. Yes.

• 2:48Caleb Hammer?

  Well, I don't know. Okay, well, what do you make?

• 2:50Speaker 03

  Uh, so right now I'm doing agency nursing, so it's kind of like contractor work. So the, I don't go for anything less than 32 an hour.

• 2:59Speaker 04

  How much do you make?

• 3:00Caleb Hammer?

  Okay. Huh?

• 3:02Speaker 04

  I said, how much do you make?

• 3:03Speaker 03

  I make like 390, 400 per shift.

• 3:06Caleb Hammer?

  Okay, okay. Good, good, good. What do you make per paycheck cycle? What's that paycheck cycle? What do you bring home? What's happening?

• 3:14Speaker 03

  I don't get a paycheck. I get instant pay once I do the shift.

• 3:18Caleb Hammer?

  Okay, how much instant pay do you get a month?

• 3:23Caleb Hammer?

  Girl?

• 3:24Speaker 03

  I don't know.

• 3:25Caleb Hammer?

  For sake? Okay, how many shifts do you work a week? Average, average, average asshole average?

• 3:33Speaker 03

  I work three shifts a week.

• 3:35Caleb Hammer?

  Okay, very good. How much do you get per shift?

• 3:37Speaker 03

  390 to 400.

• 3:38Caleb Hammer?

  Well, call it 395 times three and you work 50. Do you get paid? Well, no, it's per shift, so you don't get vacation time, right? Do you?

• 3:46Speaker 03

  No.

• 3:47Caleb Hammer?

  Okay, how many weeks do you think you take off a year?

• 3:51Speaker 00

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

• 4:15Speaker 03

  A lot, because.

• 4:17Caleb Hammer?

  Okay, okay. No, no, no, no, no. Let's say if you worked and we just did 50 weeks.

• 4:22Speaker 04

  There's months where it's zero dollars.

• 4:23Caleb Hammer?

  I bet. I'm going to divide it by two. I'm going to say you make, let's call it $4,900 a month if you just work.

• 4:29Speaker 04

  No.

• 4:30Caleb Hammer?

  Of course not.

• 4:31Speaker 04

  No, it max $1,500. And that's because we're going on vacation, so it's an extra money.

• 4:37Caleb Hammer?

  You're going on vacation three weeks a month?

• 4:40Speaker 04

  No, that's literally like.

• 4:41Caleb Hammer?

  So that, your math doesn't make sense. Two weeks a month?

• 4:44Speaker 04

  I would say the average is like, like 600.

• 4:47Caleb Hammer?

  600 what?

• 4:48Speaker 04

  Dollars.

• 4:49Caleb Hammer?

  Per?

• 4:50Speaker 04

  Month.

• 4:50Speaker 03

  For me?

• 4:52Speaker 04

  There's months where you don't work.

• 4:53Caleb Hammer?

  That's two shifts.

• 4:54Speaker 03

  Wow.

• 4:54Caleb Hammer?

  She does two shifts a month?

• 4:55Speaker 04

  Some months, yeah. Some months.

• 4:58Caleb Hammer?

  You're allowed to just not be?

• 5:00Speaker 04

  Yeah, she's straight up contractor.

• 5:01Caleb Hammer?

  You just sign up?

• 5:02Speaker 03

  Yeah, they post a shift and I bid on it.

• 5:05Caleb Hammer?

  You work two shifts a month?

• 5:06Speaker 03

  No.

• 5:06Caleb Hammer?

  That's what he's saying.

• 5:07Speaker 03

  I, I don't know what he's talking about. I will work three shifts a week, but if I have a big test coming up, I'll take off two weeks before that test.

• 5:14Caleb Hammer?

  Uh, that could be fair, but that's rare. That's why, a couple of times a semester, maybe midterms?

• 5:19Speaker 03

  No, I have to take three big exams.

• 5:22Caleb Hammer?

  Okay, so three times a semester. Oh no. Uh, okay, so, well, what are you, what are you getting to? How are you getting to? I don't know what the real answer is. I don't know what to put down.

• 5:30Speaker 04

  Uh, I guess, um, well, definitely the last month has been like, what? I mean, how many shifts have you worked in August?

• 5:37Caleb Hammer?

  I'm talking average, going forward especially because I mean, with what she was telling me.

• 5:40Speaker 04

  Okay, I'll call it five.

• 5:42Caleb Hammer?

  A month?

• 5:43Speaker 04

  A month, yeah.

• 5:43Caleb Hammer?

  390 a shift, you said?

• 5:45Speaker 04

  Between high and low.

• 5:47Caleb Hammer?

  395, 395 times five?

• 5:49Speaker 04

  Yeah.

• 5:49Caleb Hammer?

  So 2,000 a month.

• 5:51Speaker 04

  I just feel like that's giving us too much money.

• 5:52Caleb Hammer?

  Is it?

• 5:53Speaker 04

  Yeah, honestly.

• 5:54Caleb Hammer?

  Okay, honestly, it doesn't sound like an us though. I listen, I don't know why she, did we capture that moment, Mark?

• 6:01Speaker 03

  But.

• 6:01Caleb Hammer?

  Okay, so maybe I don't even need to repeat it then, the whole thing, or I don't need you to. What are your no-nos?

• 6:09Speaker 03

  Do you mind if I talk to you by myself? About no-nos?

• 6:14Caleb Hammer?

  Uh, yeah, okay, that's fine. Sure?

• 6:17Speaker 03

  Yeah.

• 6:18Caleb Hammer?

  Okay, no one's ever done that before. Um, I just sat down, so I think I'm going to get you to leave because I'm comfy. You're my guest.

• 6:25Speaker 04

  Understandable.

• 6:26Caleb Hammer?

  Okay, yeah, what are your no-nos?

• 6:28Speaker 03

  Uh, first, big no.

• 6:30Caleb Hammer?

  Why'd you want him to leave? That's so weird. I've never had that happen.

• 6:34Speaker 03

  So I have given him divorce paperwork works and told him that I'm very, very serious about this.

• 6:40Caleb Hammer?

  Good.

• 6:41Speaker 03

  We've been fighting a lot. I have no idea about anything with finances. So this is kind of like my, please help me. And I don't know what he's got going on on his side.

• 6:54Caleb Hammer?

  Well, I'll definitely try my best. I mean, okay, there's a lot of things here. We have an hour and a half. Um, I mean, we'll definitely, okay, yeah, yeah, sure, sure, sure, sure. But how's that a no? What's the, what's the no-no?

• 7:05Speaker 03

  Not really anything. I just wanted to talk to you about myself.

• 7:08Caleb Hammer?

  Okay. I mean, she gave you divorce papers, right?

• 7:11Speaker 04

  Yeah, I've received those.

• 7:13Caleb Hammer?

  You've received those? I would say so. So I don't think it's a we.

• 7:19Speaker 04

  It's still a we.

• 7:20Caleb Hammer?

  How's it still a we? You just got divorce papers. Why are you guys together? It's usually when the divorce papers happens, we like, you know, separate and, you know, fuck a little, but that's pretty much it.

• 7:29Speaker 03

  We're still together because I have nowhere to go. So I told him.

• 7:35Caleb Hammer?

  So you would actually prefer, to be clear.

• 7:38Speaker 04

  She is not a prisoner.

• 7:40Caleb Hammer?

  To be clear, if you had somewhere to go, you would very much not be next to him.

• 7:44Speaker 03

  Yeah, I told him the last time we got into a fight, I said, if I had a relationship with my parents, I would not be coming home.

• 7:51Speaker 04

  She did say that.

• 7:52Caleb Hammer?

  You know, if you like worked, what did we do? Was this five shifts, four shifts? Did we do five shifts? If you worked 10 shifts, you could afford a place.

• 8:03Speaker 03

  Yes.

• 8:03Caleb Hammer?

  I think that's more of a personal choice than you're right. You served the divorce papers to him?

• 8:07Speaker 03

  Yes, yes.

• 8:09Caleb Hammer?

  Okay, so you made that choice, huh?

• 8:11Speaker 04

  They were not filled out. They were blank.

• 8:13Speaker 03

  Yeah, they were blank. It was.

• 8:14Speaker 04

  It was a threat.

• 8:15Caleb Hammer?

  A threat, okay.

• 8:16Speaker 03

  It wasn't a threat. Okay.

• 8:17Caleb Hammer?

  Okay, see, that's, that's different than what she told me before. She said, oh.

• 8:21Speaker 04

  Well, I told her, fill them out and she filled them out.

• 8:24Caleb Hammer?

  So you were all down for the divorce?

• 8:25Speaker 04

  I was just responding.

• 8:27Caleb Hammer?

  Uh, 30, 28. Uh, okay, okay. I, I, okay, I'll learn about that in a second. Tim, what do you do?

• 8:33Speaker 04

  I work for the Department of Transportation.

• 8:36Caleb Hammer?

  What?

• 8:37Speaker 04

  For the state. Yeah, like state agency.

• 8:40Caleb Hammer?

  Okay. Doing what?

• 8:44Speaker 04

  Maintaining the roadways, plow snow when it comes down.

• 8:47Caleb Hammer?

  Ah, yes, you do. Yes, you do. Okay, you're not the decision maker. Very good. What do you make? It's not always snowing in Tennessee, so I don't like.

• 8:56Speaker 04

  So average yearly salary?

• 8:59Caleb Hammer?

  Sure.

• 8:59Speaker 04

  No, we get like one snow year, like 60, 60.

• 9:03Caleb Hammer?

  Okay, what hits your account per month, average?

• 9:05Speaker 04

  What's 1,800 plus 1,500?

• 9:07Speaker 01

  36.

• 9:09Speaker 04

  Let's go to Gary.

• 9:10Caleb Hammer?

  Oh, eighteen plus fifteen, you said?

• 9:12Speaker 04

  Yeah, my checks are always the same.

• 9:14Caleb Hammer?

  Okay, if they're always the same, that's actually good. That's consistent. Maybe, you know, we want a little more, but.

• 9:19Speaker 04

  There might be like, yeah, I ran it down. So it might be like throw.

• 9:21Caleb Hammer?

  Are you guys close to Nashville? Is this close to Nashville?

• 9:24Speaker 04

  Yeah, I used to, I used to, yeah, yeah.

• 9:26Caleb Hammer?

  So it's definitely not, I mean, it's, it's gone up in the cost of living for sure, if we're comparing it to many places. Uh, okay, okay. Well, that gives us household income, but again, we're not a household. So you actually make more than him. I'm confused. So if, wait, if she left, how would you pay your bills? Would you be able to pay your bills?

• 9:44Speaker 03

  I gave him the divorce paperwork and I said, you get your shit together, or as soon as I graduate, I'm leaving.

• 9:49Caleb Hammer?

  This doesn't make any sense. You, what, but this, that, that is not, see, maybe you shouldn't have told me before we started filming, because that just contradicts everything.

• 9:56Speaker 03

  Well, no, no, no, hold on, let me finish. But I will pay for him to finish his schooling, because he's in nursing school right now.

• 10:03Caleb Hammer?

  But you, you didn't tell me if he gets his shit together. You told me you handed him the divorce paper.

• 10:08Speaker 03

  No, I said.

• 10:09Caleb Hammer?

  Did I miss that?

• 10:10Speaker 03

  Cause I said, if you get your shit together, if you don't get your shit together, we're done.

• 10:14Caleb Hammer?

  That's what you told me before.

• 10:16Speaker 03

  Exactly what I told you.

• 10:17Caleb Hammer?

  I must have missed that, because I was just trying to like, get in here and get, you just hit me out of the gate.

• 10:23Speaker 03

  Hell, yeah.

• 10:24Caleb Hammer?

  If that's how it's like in the marriage, I'd get divorced too. Get home after a long day's work and she's like, I need to talk to you privately.

• 10:32Speaker 04

  I mean, I don't agree or disagree, but yeah.

• 10:36Caleb Hammer?

  Really trying to protect yourself there, aren't you?

• 10:38Speaker 04

  Absolutely.

• 10:38Caleb Hammer?

  How long have we been married?

• 10:39Speaker 04

  We've been together ten years, been married since either twenty-one or twenty-two, twenty twenty-one.

• 10:44Caleb Hammer?

  You know?

• 10:45Speaker 03

  I don't know exactly when we got married.

• 10:47Caleb Hammer?

  Well, how, everyone knows when they got married.

• 10:50Speaker 04

  Now, we got married twice.

• 10:52Speaker 03

  Not divorced.

• 10:53Speaker 04

  Not divorced.

• 10:54Speaker 03

  Two separate celebrations.

• 10:55Speaker 04

  How much we love each other.

• 10:57Caleb Hammer?

  Except divorce papers were handed.

• 10:58Speaker 04

  Is a threat.

• 11:00Caleb Hammer?

  As a threat, that doesn't make, okay, what the, so that's why you want your finances figured out together. I may have missed that part. For some reason, I was thinking like you wanted, because these are all intermingled, for sure.

• 11:11Speaker 04

  Oh, yeah.

• 11:11Caleb Hammer?

  Okay, so yeah, it's gonna be complicated. I thought we were gonna, you wanted me to do like a separate budget or something, so you could get the out of there. But, but, but, but this doesn't line up, because again, she just said, if she can afford living on her own, or if she had a relationship with her parents, she'd go there.

• 11:26Speaker 04

  I'm sure she felt like that for about thirty minutes, but.

• 11:29Caleb Hammer?

  She just said it here.

• 11:31Speaker 03

  If he don't get his shit together, I'm.

• 11:34Speaker 03

  Like, he's so mean to me. He's so mean to me.

• 11:38Caleb Hammer?

  Okay, fine, let's get into it. Let's get into it, okay. Okay, so we've been married for maybe four years, maybe five years. Who knows when we got married? Why did you go and get those papers? Tell me what is going on. Tell me what's up.

• 11:55Speaker 03

  Okay, so, we have this big issue where I feel like he is a straight asshole to me. And he does not recognize it. And then when I'm like, hey, you're kind of an asshole. And he's like, no, I'm not. This is what you did ten years ago. I deserve to be an asshole.

• 12:12Caleb Hammer?

  Well, tell me how he's being an asshole, though. I do need more details in this conversation.

• 12:15Speaker 03

  So we've gotten physical.

• 12:18Caleb Hammer?

  Oh, my, well, that's different than being an asshole. What do you mean gotten physical? When did we get physical?

• 12:24Speaker 03

  We've gotten physical a few times.

• 12:26Caleb Hammer?

  A few times?

• 12:27Speaker 03

  But not like.

• 12:28Caleb Hammer?

  Tell me about the first one.

• 12:30Speaker 03

  So the first one was when we, it was a few years ago, this guy lived behind his house. He was beating the shit out of his girlfriend. So I.

• 12:41Caleb Hammer?

  What happens in Clarksville, Tennessee? What the are we doing?

• 12:44Speaker 03

  I went to that guy's house, went inside and was like, if you wanna beat the shit out of anybody, beat the shit out of me.

• 12:50Speaker 04

  Very intoxicated.

• 12:51Speaker 03

  Yeah, but.

• 12:52Caleb Hammer?

  Call the cops, you're not a cop.

• 12:55Speaker 03

  I mean, yeah, that makes sense. But at the time, what am I supposed to do? Just like?

• 12:58Caleb Hammer?

  Call the cops, you're not a cop.

• 13:01Speaker 03

  But, uh, fine.

• 13:03Caleb Hammer?

  What?

• 13:03Speaker 04

  She committed.

• 13:04Caleb Hammer?

  Isn't rule number one, yeah, well, okay, not just that, but isn't rule number one not to like, put yourself in danger when someone else is in danger?

• 13:10Speaker 04

  Not when you're the toughest motherfucker on earth.

• 13:13Caleb Hammer?

  Also, yeah, I mean, you're.

• 13:14Speaker 03

  I had a lot of liquid confidence in me.

• 13:16Caleb Hammer?

  Time.

• 13:17Speaker 03

  What time? It was like.

• 13:18Speaker 04

  Sundown.

• 13:19Caleb Hammer?

  Okay, well, that's good. Okay, so what happened? Well, that doesn't sound like him beating you, to be clear, but go on.

• 13:24Speaker 03

  So I went in there, throwing all this shit around. He comes in there, he literally drags me out of this house.

• 13:30Caleb Hammer?

  The other guy?

• 13:31Speaker 03

  No, him.

• 13:32Speaker 04

  Drag him out of somebody's house.

• 13:34Speaker 03

  And then I got a little bit more angry, started throwing stuff, broke some windows on a car.

• 13:40Caleb Hammer?

  Who's car?

• 13:41Speaker 03

  The guy's car.

• 13:42Caleb Hammer?

  Okay, you're crazy. I don't know what to, I thought you were just trying to separate the woman from a dangerous situation. Now you.

• 13:50Caleb Hammer?

  Okay, go on.

• 13:51Speaker 03

  Um, and then I pretty much, I mean, I was drunk, so I was like, fuck you, you're supposed to be on my side. And he's like, no, fuck you, you're acting crazy. And I pushed him and he like grabbed me. Yeah, he grabbed my throat.

• 14:03Speaker 04

  Quick reaction.

• 14:04Caleb Hammer?

  Why'd you grab her throat?

• 14:05Speaker 04

  As quick as it happened, is as quick as it didn't happen.

• 14:09Speaker 03

  And then I took.

• 14:10Speaker 04

  I did it, and then I like.

• 14:10Speaker 03

  Ring off and I was like.

• 14:11Speaker 04

  She, it was, pissed me off, like, she just slapped the shit out of me. And I'm trying to keep her from going to jail. So when she slapped shit out of me, I just, eh, and then I dropped.

• 14:21Caleb Hammer?

  Michael, you can't beat your wife. Of course I can. I have over five million pounds. Well, listen, I wouldn't grab her throat. I understand it was a quick reaction, but again, that doesn't sound like the type of physical thing I'm like, concerned about. Because you're trying to get her out of a dangerous situation.

• 14:35Speaker 04

  Yeah, trying to keep her from going to jail.

• 14:36Caleb Hammer?

  The next one, because you said there's a few.

• 14:37Speaker 03

  You, you do the next one, because I can't.

• 14:40Speaker 04

  No, you put this on me. You said I'm abusive, like.

• 14:43Caleb Hammer?

  Abusive?

• 14:44Speaker 03

  I didn't say.

• 14:45Caleb Hammer?

  Are you telling people she, he's abusive?

• 14:46Speaker 03

  No, I.

• 14:47Speaker 04

  She just told you that I lay hands.

• 14:50Speaker 03

  Okay, so and then.

• 14:51Caleb Hammer?

  Well, then it's insinuating at the very least. That is a dangerous insinuation to make.

• 14:55Speaker 03

  Well, I always.

• 14:56Caleb Hammer?

  So tell me about the next time.

• 14:58Speaker 03

  So the next time, we were arguing about something, I don't know. And I said, I hate you so much, and I pushed him, and then he pushed me. Because I just, I don't know.

• 15:07Speaker 04

  No, I don't, I, I don't remember.

• 15:08Speaker 03

  So mad.

• 15:09Speaker 04

  She does, she gets, she's full of rage. I don't remember why the argument started, but it turned into her hitting me in the chest like. Four, five, six, seven, eight, nine times. And I'm like, you know what, fuck this. I pushed her off of me, I gotta walk away. She pushes me in the back, pissed me off. Turn around, I grab her, put her on the bed, I pin her down. It sounds bad, but it's really.

• 15:30Caleb Hammer?

  It sounds bad.

• 15:31Speaker 04

  It sounds bad, but it really ain't.

• 15:33Caleb Hammer?

  How is it ain't?

• 15:34Speaker 04

  Cause I, cause I finished the story, then you'd be like, oh, yeah, that ain't that bad. So pin her down, and I'm like, dude, just quit. And I get off of her, and I gotta walk away, and I get pushed, I get pushed in the back again, right?

• 15:46Speaker 03

  He makes everything worse.

• 15:48Speaker 04

  Shove me in the back, while I'm defenseless.

• 15:50Speaker 03

  He's not just quiet, like, oh, please get off of me. He's like, fuck you, you're crazy. And I am like, no, I'm not. I'm fully defending myself. That's why I get so mad.

• 16:00Speaker 04

  I don't know how I talk during it, because honestly, I just go into a blank, but anyway.

• 16:04Caleb Hammer?

  Well, that's not good. That's where people abuse each other, like literal abuse. If we're talking abuse, that is literal abuse. And you're just seeing nothing but red.

• 16:11Speaker 04

  Well, I mean, I ain't like, eh, like that dramatic, but.

• 16:13Caleb Hammer?

  It sounded like it.

• 16:15Speaker 04

  She pushed me.

• 16:16Caleb Hammer?

  How can you tell me not?

• 16:17Speaker 04

  Because it's, it's not, like, it's hard to explain, like.

• 16:20Caleb Hammer?

  Well, you tell me then.

• 16:21Speaker 03

  He always gets intense.

• 16:22Caleb Hammer?

  He's making it sound like nothing happened.

• 16:24Speaker 04

  I know, because this is intense to her. Right now, I'm screaming, and this is aggressive.

• 16:30Caleb Hammer?

  Fine, you tell your side then.

• 16:31Speaker 03

  Uh, so my side is, I'm trying to explain, hey, you did something that I really did not like. And then it turns into, no, I didn't. You always do this. Oh, oh, my bad. You always, uh, say that I'm doing something, da, da, da, da, da. And then I get mad, because I'm like, you motherfucker, like, listen to me. I'm trying to tell you what you're doing, and you're not listening, you're putting it back on me.

• 16:54Speaker 04

  She thinks I take her already mentioned, she wants to start and make them about me. But really, it's just a debate, like, we just debating.

• 17:01Caleb Hammer?

  Well, listen, I wouldn't be too concerned about these things in the past in a ten-year relationship, but things have been better. But I know for a fact, just from looking over, from what Devon was telling me, your biggest fight was from a few weeks ago.

• 17:11Speaker 04

  Yeah.

• 17:12Caleb Hammer?

  So that is dramatically concerning. Was that before, after, during divorce paper?

• 17:16Speaker 03

  That is before.

• 17:18Caleb Hammer?

  It was right before then.

• 17:19Speaker 03

  Yeah.

• 17:20Caleb Hammer?

  Okay, then that is what interests me. That's where we are today. Tell me what the happens.

• 17:26Speaker 04

  She was just pissed at each other, right? Do you wanna go or you want me to go?

• 17:29Speaker 03

  I'll go.

• 17:29Caleb Hammer?

  Dude, everyone in a relationship gets pissed at each other. Not everyone in a relationship puts hands on each other. And starts seeing red and throwing people around, and then backing off and saying, I wasn't that bad. Come on.

• 17:40Speaker 03

  And you know, every time I get into a relation, or a conversation with my friends about it, they're like, he's kind of abusive, you need to leave. And I'm like, he's not.

• 17:48Caleb Hammer?

  Well, now you're seeing it.

• 17:48Speaker 03

  I feel like I'm starting it every time.

• 17:51Speaker 04

  So she takes shit to her friends, which you shouldn't do.

• 17:53Caleb Hammer?

  It depends, the escalation. I mean, if you start an argument, but it gets physical on the other side, that's not you starting something abusive. You know that, right? But yes, if you lay hands first, that is you starting it, but if the other person escalates it to more physical violence, that's still wrong. On the other end.

• 18:11Speaker 03

  Yeah.

• 18:12Caleb Hammer?

  So why do your parent, why do your, why do your friends say it's abusive?

• 18:15Speaker 03

  They tell me that he isolates me, that he allows things to get too far, that I deserve better.

• 18:22Caleb Hammer?

  He isolates you. What, what's their argument there?

• 18:25Speaker 03

  Uh, so I barely have any friends.

• 18:28Caleb Hammer?

  Well, these are your friends you're talking to, and they say he isolates you. Why do they say that?

• 18:32Speaker 03

  Well, because like, anytime I go out with my friends, it always turns into an issue of, oh, don't spend any money. Uh, when are you coming home? And I feel like I can't ever go out anywhere without him being my shadow.

• 18:44Speaker 04

  I'm just asking questions, like just basic questions of wanting to know what's going on.

• 18:49Caleb Hammer?

  What?

• 18:49Speaker 04

  Like, when are you coming home?

• 18:52Speaker 03

  Who are you hanging out with? There better not be a guy there.

• 18:56Caleb Hammer?

  Why are you going into it like that?

• 18:57Speaker 04

  Cause I'm, I'm, I'm insecure, but I don't do it the way she does it.

• 19:00Caleb Hammer?

  Why are you insecure about her being around a dude?

• 19:03Speaker 04

  Well.

• 19:03Caleb Hammer?

  You think she can't keep her legs closed?

• 19:06Speaker 04

  I mean.

• 19:06Speaker 03

  And that pisses me off too.

• 19:08Caleb Hammer?

  That's insane. What is that reaction for?

• 19:11Speaker 03

  You think I'm a whore?

• 19:12Speaker 04

  I don't think you're a whore. I think you do whore-ish things.

• 19:15Caleb Hammer?

  What?

• 19:16Speaker 03

  Brother, you have way more evidence on you for cheating than I ever had.

• 19:21Speaker 04

  You were able to submit-

• 19:22Caleb Hammer?

  Oh, every financial audit episode ever. Oh my- I didn't even get to hear what happened a couple of weeks ago, but how are you saying she's a whore?

• 19:30Speaker 04

  Whore-ish.

• 19:31Caleb Hammer?

  What?

• 19:32Speaker 03

  Ish.

• 19:33Caleb Hammer?

  If you're insecure, is it logical or not?

• 19:35Speaker 04

  Ever, anybody else? No. Has she ever ran her hands up and down somebody else's body?

• 19:42Speaker 03

  Two weeks into our relationship, we went to a party. I got super drunk and apparent, I don't even remember what the happened. But this guy, we were trying to get this guy hooked up with another girl and I went up and was like, hey? But that literally was 10 years ago.

• 19:57Caleb Hammer?

  So what's your issue? You can never rebuild trust in 10 years?

• 20:01Speaker 04

  Oh, I trust her, but-

• 20:02Caleb Hammer?

  No, you don't. You're asking, you're saying, don't have guys around.

• 20:06Speaker 04

  Yeah, I guess I trust her to an extent. So yeah, I'm a little scared and I'm a little insecure.

• 20:10Caleb Hammer?

  That's a light extent. Your insecurity is not her problem, though. It shouldn't be. That's yours. Deal with your own shit, man. Go to therapy. What is wrong with you? She can't have friends? That is a little isolating if you're like pestering her like crazy that she can't do anything. Yeah, it is a little. It's not like the full isolation, like, oh, you know, you can't be friends with your family and shit.

• 20:29Speaker 04

  She makes it sound like so bad. Like she takes, let's just say, my symptoms, what I do, and then she's like, how can I make this

• 20:37Speaker 04

  100 times worse?

• 20:38Caleb Hammer?

  Oh, you said there's more evidence on his side. What?

• 20:40Speaker 03

  So there are screenshots-

• 20:42Speaker 04

  Bro, you got two screenshots of a group conversation, literally like six people.

• 20:48Caleb Hammer?

  Go on.

• 20:48Speaker 03

  It's in Discord and apparently him and this girl, I don't even know what the, I don't remember what kind of Discord it was, but it first started off with, he sent a picture of him holding our dog and you can see the back of his head. And then I guess she sent a picture in the conversation. Yes, it is a group conversation, but they were the only two talking to each other.

• 21:08Speaker 04

  That's why it's a group.

• 21:09Speaker 03

  Uh, and she deleted her picture out of the chat and he kept his blah, blah, blah, whatever. And then a conversation was going on about, oh, are you really a girl? And this motherfucker said, can confirm he's a girl, seen the back of her head, or can confirm she's a girl. I have seen the back of her head.

• 21:26Speaker 04

  She posted a picture of the back of her head. Like, I'm not, I literally-

• 21:30Caleb Hammer?

  That's the evidence of him cheating?

• 21:31Speaker 04

  Yes.

• 21:32Speaker 03

  No, and then it gets even better because he's, mind you, in real life, he's not talking to me barely. He's on his phone 24/7.

• 21:40Caleb Hammer?

  Really?

• 21:40Speaker 03

  That's why I brought the problem up.

• 21:42Speaker 04

  I was on some other shit and she was a part of it. Like you were little-

• 21:46Speaker 03

  I was not in that group.

• 21:47Speaker 04

  Not in that group. That was a, that was a, okay, it was a Discord group where these people were like able to, they had AI or some shit to scan the internet, find-

• 21:57Speaker 03

  And he's making, he's making like inappropriate jokes. Like she's like, I'm 21 years old. I need to, I have to go babysit someone. And he's like, oh, I've seen this before on-

• 22:08Speaker 04

  All group conversations.

• 22:10Caleb Hammer?

  Yeah, I'm on dude's side. It's a, it's a group chat. He's around.

• 22:13Speaker 03

  Yeah, but the thing is, is like you're spending more time talking to these people and this girl.

• 22:18Caleb Hammer?

  That's an issue specifically. That, okay, not about the girl. It's not about the girl. See, that's where you lose me. That's where you lose me, man. I understand if you have an argument that you want him to focus more time on you instead of the friendship. So that's the same argument he's basically having as well. You're being weird with the, uh, girls in the group chat, or girls in the group chat? And he's being weird with you not being able to close your legs, even though you like touched someone's arm 10 years ago? You guys are both insecure fucking freaks.

• 22:46Speaker 03

  That's not the only one.

• 22:47Caleb Hammer?

  Okay, then give me something to add that actually matters.

• 22:50Speaker 03

  There was another time I was at my friend's house and this is gonna make me sound crazy, but I logged into his Facebook and I went to his activity log and he had done, went through this girl's profile, like, like, like, like, like all her pictures. And when I said, what the are you doing liking this girl's pictures like this? Like you're spam liking her? He said, oh, that was my friend. He had my phone and he got on my Facebook and went to some random girl's-

• 23:16Speaker 00

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• 23:41Speaker 03

  Facebook and just started liking everything. Like, what?

• 23:44Speaker 04

  You ain't never do some dumb shit like that when you were like 18 to a buddy, like a buddy? I didn't do it. I mean, they did it to me. I didn't do it.

• 23:52Speaker 03

  You're a grown adult.

• 23:53Speaker 04

  Cause I'm working in a, I'm working in a factory, like a hot ass factory. There ain't shit to do but drive forklifts and mess with each other. So he's like, man, let me see your phone. He had, he had like a cricket phone and he ain't had no minutes. So I let him use my phone to look at Facebook. And he gets on my Facebook and goes and likes a bunch of pictures on some girl that he knows and my, oh, whatever. Yeah, but I mean, like, how can I defend myself on that if I can't?

• 24:17Caleb Hammer?

  You don't believe it?

• 24:18Speaker 04

  I can't, yeah, exactly. I can't make her believe it.

• 24:20Caleb Hammer?

  Did you ever talk to the friend?

• 24:21Speaker 03

  No.

• 24:22Speaker 04

  No, why would she find evidence? Like, she just gonna make her beliefs, stand on them and make them 100 times worse.

• 24:28Speaker 03

  But that's weird, right? That's weird.

• 24:30Caleb Hammer?

  Um, I, it's, I, it leans towards weird, but it's not like egregious. I mean, if you've seen the kind of shit that people actually do to each other on this show when it comes to cheating. It's like, oh, it was 10 years ago?

• 24:41Speaker 04

  Like you said, 10 years ago.

• 24:42Speaker 03

  It, that-

• 24:43Speaker 04

  Time don't matter. Time don't matter. It's long time.

• 24:46Caleb Hammer?

  Just a liking thing. Wait, huh?

• 24:48Speaker 04

  Yeah.

• 24:48Caleb Hammer?

  I don't think what either of you did is that big of a deal, dude.

• 24:52Speaker 04

  I don't either.

• 24:52Caleb Hammer?

  But why are, but no, no, no. What is a big deal is both of you crash out about it. It's insane how you treat each other and the insecurities you guys have. What the? You're making each other's problems like crazy.

• 25:03Speaker 03

  I really am not that insecure with him.

• 25:06Caleb Hammer?

  What?

• 25:07Speaker 03

  No, I really not. I really not. It's because he's always like, you're cheating. You can't be with men. You can't work out of jail. You can't do this.

• 25:13Caleb Hammer?

  Why are you saying that? That's crazy. Because she touched someone's arm 10 years ago? You're accusing her of being a cheater?

• 25:20Speaker 03

  I work-

• 25:20Caleb Hammer?

  She can't have jobs?

• 25:23Speaker 04

  I didn't have a problem with the jobs. I had a problem with the job.

• 25:26Speaker 03

  No, he has a problem with the job because-

• 25:29Caleb Hammer?

  What's the job?

• 25:30Speaker 04

  Job was working at a jail with a bunch of dudes who didn't want to do nothing but, they literally had a running bet on who was gonna crack her first.

• 25:38Caleb Hammer?

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• 26:23Caleb Hammer?

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• 27:08Caleb Hammer?

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• 27:52Caleb Hammer?

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• 28:11Speaker 04

  She's telling me, oh, these are just my friends are so nice to me, da, da, da, da, da.

• 28:15Caleb Hammer?

  Oh, the inmates?

• 28:16Speaker 03

  No, the-

• 28:17Speaker 04

  She's with inmates.

• 28:18Speaker 03

  No, I'm not-

• 28:20Speaker 04

  Friends with inmates. She, inmates, inmates get out of jail.

• 28:23Caleb Hammer?

  Wait, who's the list? The deputies or the inmates?

• 28:26Speaker 04

  CEOs, yeah, deputies.

• 28:27Caleb Hammer?

  That's crazy.

• 28:28Speaker 04

  But why does she have inmates?

• 28:29Caleb Hammer?

  I wouldn't want you to work in there either.

• 28:31Speaker 03

  I did not add any inmates on my Facebook. That is illegal.

• 28:35Caleb Hammer?

  I wouldn't want you to work in there either if all your coworkers were-

• 28:38Speaker 04

  Draw off.

• 28:39Speaker 03

  Who's making the most money there?

• 28:41Caleb Hammer?

  Yeah, but it was like everyone you worked with was taking a bet on when they could fuck you.

• 28:46Speaker 03

  And nobody, I did not know that was going on until I let it.

• 28:49Speaker 04

  You just admitted that to me.

• 28:50Speaker 03

  Shut up.

• 28:51Caleb Hammer?

  How did we find out about it then if you didn't know?

• 28:52Speaker 03

  Because I posted something on Facebook talking about this guy keeps trying to add me on Facebook and how it's embarrassing that he keeps rescinding his friend requests. And then these girls that I worked with were like, hey, by the way, they definitely had a bet going on, on who could crack first. And that's when I was like, what the?

• 29:09Speaker 04

  Yeah, then she told me that she already knew that because I don't know if you told me that to try to hurt my feelings because it was arguing, but you told me you already knew that.

• 29:15Speaker 03

  I didn't know about the bet, but-

• 29:17Speaker 04

  It's in my text that you already knew that.

• 29:20Speaker 03

  I didn't say I already-

• 29:21Speaker 04

  You said you enjoyed the tension.

• 29:22Speaker 03

  No, I, okay, let me pause there. I said, I knew there were men at that jail who liked me in that way. And as a woman who's very self-

• 29:35Speaker 03

  Conscious and low self-esteem. Yeah, a little bit of attention. Yes. So a little bit of attention is nice, a little bit. I'm not out there like, oh my god.

• 29:44Caleb Hammer?

  No, it's fine. I think attention's good. I think but a bat crack, a bat crack is kind of a crack bat.

• 29:51Speaker 04

  Yeah.

• 29:51Caleb Hammer?

  That's kind of crazy.

• 29:52Speaker 03

  That is crazy.

• 29:53Caleb Hammer?

  Yes, it's good to get attention and I also don't know why they chose the fat one to be the the crack bat, but.

• 29:58Speaker 03

  I'm not that fat.

• 29:59Speaker 04

  Unless she's.

• 29:59Caleb Hammer?

  No, you're obese, but.

• 30:02Speaker 03

  Not super obese.

• 30:03Caleb Hammer?

  No, not morbidly. No, that's good.

• 30:06Speaker 03

  Exercising.

• 30:06Caleb Hammer?

  That's good. I I'm not like saying that in terms of like hurt your feeling, but like let's just. I would say it to a man, we should say it to a woman too. You're obese. I'm obese. Okay, very good.

• 30:16Speaker 03

  Equality.

• 30:16Caleb Hammer?

  Well, I'm not, but I'm not like beating you over the head with it.

• 30:19Speaker 04

  But that's only one Facebook. She's got like six Facebooks.

• 30:22Speaker 03

  I don't have six Facebooks. I have two other Facebooks.

• 30:25Caleb Hammer?

  Six.

• 30:25Speaker 03

  I don't, I literally do not have.

• 30:27Speaker 04

  Six messengers, four TikToks. I don't even know how many Snapchats.

• 30:31Speaker 03

  One main Facebook.

• 30:32Speaker 04

  She claims she don't have Instagram, but she literally has Instagram on her phone.

• 30:34Speaker 03

  Okay.

• 30:35Caleb Hammer?

  We have so many different accounts.

• 30:36Speaker 03

  Instagram is from my high school. Literally, I have not posted anything.

• 30:40Caleb Hammer?

  I don't even care about the single Instagram. Multiple Snapchats is freaky.

• 30:44Speaker 03

  I do not have multiple Snapchats.

• 30:45Caleb Hammer?

  Why'd you say that then? Why'd you say that?

• 30:47Speaker 04

  I don't know if it's true or false, but she has many of everything. So why wouldn't?

• 30:50Speaker 03

  I don't have many of everything. I have two.

• 30:52Caleb Hammer?

  Basic.

• 30:53Speaker 03

  Yes. I have two other Facebooks. One.

• 30:55Caleb Hammer?

  Why?

• 30:57Speaker 03

  I, one I made because when we were going through issues with somebody, I was blocked on my personal Facebook. So I was using.

• 31:04Speaker 04

  Freak, just stalker, big time.

• 31:06Speaker 03

  But we won the case, didn't we?

• 31:08Caleb Hammer?

  Case?

• 31:09Speaker 03

  Yes, there is a.

• 31:10Caleb Hammer?

  Case?

• 31:10Speaker 03

  Yes, I can't go into it, but there was.

• 31:12Caleb Hammer?

  Okay.

• 31:12Speaker 03

  And I was going on to this person's page and I was getting information from that false Facebook. And yes, I still have it. And then I tried to change my email on my now Facebook and apparently I made a Facebook back in middle school. And now.

• 31:25Caleb Hammer?

  And what about the multiple TikToks? Like that is weird.

• 31:28Speaker 03

  Multiple TikToks, that's accidental. Cause every time I've been logged out of TikTok.

• 31:33Caleb Hammer?

  Multiple Facebook, multiple TikToks, maybe multiple Snapchats.

• 31:36Speaker 03

  No, multiple Snapchats.

• 31:37Speaker 04

  Listen, I I swapped from my iPhone to an Android. I'm like, damn, I gotta get back on my TikTok.

• 31:42Speaker 03

  But you had it.

• 31:42Speaker 04

  I go to login on my TikTok.

• 31:44Speaker 03

  Now he has two TikToks.

• 31:46Speaker 04

  Some shit she done made. So I'm like, damn, what information is even on my TikTok? My email and my phone number are tied to two different fake TikToks that she's made. I can't even get my old TikTok. And when she leaves the house or does all this shit or whatever she's doing, she cuts off her Life360. So I just can't see where she's going.

• 32:03Speaker 03

  Oh, yeah, cause I'm mad.

• 32:04Caleb Hammer?

  Okay, now that, see, that does get a bit sketchy. I'm sorry.

• 32:08Speaker 04

  That's spiteful.

• 32:08Caleb Hammer?

  Like, listen, I I was fully on your side for his, he was being incredibly insecure. And I think I'm, I'm probably still on your side, but it's getting a little more weird.

• 32:17Speaker 04

  She's creating.

• 32:18Caleb Hammer?

  Turning off Life360 when you leave. Last time that happened, that episode's not out yet, probably before you guys, but every time she did, she was getting railed.

• 32:27Speaker 03

  Uh, well, I'm not because I'm leaving. I'm turning my location off.

• 32:31Caleb Hammer?

  Turning it off.

• 32:32Speaker 03

  So he does not follow me. He does not.

• 32:34Speaker 04

  I'm not gonna follow her. I'm at home with kids.

• 32:35Speaker 03

  I do want him to be mad.

• 32:36Speaker 04

  I'm at home with a three-year-old.

• 32:38Speaker 03

  Whenever he pisses me off enough to make me leave the house, I'm in the mode of, okay, now I'm gonna hurt you because you hurt me and you're not listening to me. So I turn my Life360 off. So that way he is at home thinking, oh, whatever.

• 32:53Caleb Hammer?

  Why are you playing games? In what healthy marriage is games gonna work?

• 32:57Speaker 03

  It's not. It's not gonna work. So.

• 32:59Caleb Hammer?

  You think he's gonna follow you?

• 33:01Speaker 03

  Yes.

• 33:01Speaker 04

  She thinks I'm gonna wake up my three-year-old that's dead asleep, dress him, put him in a car seat and then follow her. Like, what?

• 33:08Caleb Hammer?

  So it's always in the middle of the night?

• 33:10Speaker 03

  No. Last time I left, it was in the middle of the day and I literally was texting him the whole fucking time.

• 33:16Speaker 04

  Middle of the night and you wound up a damn like Jack in the Box parking lot.

• 33:22Caleb Hammer?

  That's why.

• 33:23Speaker 03

  I was going to sleep.

• 33:24Speaker 04

  No, I was sleeping.

• 33:26Caleb Hammer?

  In Jack in the Box?

• 33:27Speaker 03

  Yes, I went to the parking lot. It's a well-lit parking lot with a lot of like police traffic.

• 33:32Caleb Hammer?

  Who the does this?

• 33:34Speaker 03

  Because I didn't want to be home.

• 33:35Speaker 04

  Cause her ass was eating Jack in the Box and staying, telling me she wasn't coming home. Then she come home with a shit ton of Jack in the Box.

• 33:41Caleb Hammer?

  Everyone's favorite Hammer Elite show, Fat and Fatter. We did Jack in the Box and it is, uh, honestly, the best restaurant I've ever had in my life.

• 33:48Speaker 04

  For sure. They got a lot of good shit, but anyways.

• 33:51Caleb Hammer?

  So I get that. Don't get to sleeping in the Jack in the Box. Nobody does that.

• 33:55Speaker 03

  It wasn't in the Jack in the Box parking lot. It was, it was next to it. So Life360.

• 34:01Caleb Hammer?

  Weird.

• 34:02Speaker 04

  Jack in the Box.

• 34:02Caleb Hammer?

  People get a motel.

• 34:04Speaker 03

  Hold on, I got a picture.

• 34:05Caleb Hammer?

  People go to, you have friends, you said.

• 34:07Speaker 04

  Money.

• 34:07Speaker 03

  No, I don't really have friends.

• 34:09Caleb Hammer?

  Then why, how are your friends that don't exist telling you that he's abusive?

• 34:12Speaker 03

  Because I have him on like Snapchat.

• 34:13Speaker 04

  We had a, a fight about a chicken coop and that's the one that she.

• 34:17Caleb Hammer?

  Oh, what are we talking about?

• 34:18Speaker 04

  We live in the country.

• 34:19Caleb Hammer?

  Two weeks ago, this, the recent fight?

• 34:20Speaker 04

  Yeah, that's the recent.

• 34:21Caleb Hammer?

  The big fight was the chicken coop.

• 34:22Speaker 04

  Yeah, so this is one.

• 34:23Caleb Hammer?

  Okay, yeah, so let's get back to the fight. Oh, you guys are all over the place. Whoa, what? What chicken coop?

• 34:30Speaker 04

  She feels like it's the most serious because one time only, this is in 10 years, I left and went to my mom's house. That was a huge mistake on my part, apparently.

• 34:40Caleb Hammer?

  Why? What happened?

• 34:41Speaker 04

  She can talk to her friends about me, but I can't go talk to my mom.

• 34:44Caleb Hammer?

  Okay, you can't go to his mom's house?

• 34:45Speaker 04

  My mom was a mile down the road. Like, it's not like I, like, just took off, you know? I go to my mom's. You already been to my mom's by that point.

• 34:55Speaker 03

  Yeah, I'd already.

• 34:56Speaker 04

  Yeah, she'd already been. My mom was afraid, literally afraid, because she told her, I can't leave anything in the car. I've got a gun in the car. My mom was literally scared that she would, that she would use that gun on me.

• 35:04Caleb Hammer?

  On who? Oh, wait, what was happening? Guys, what the, what happened?

• 35:08Speaker 04

  That's what I'm saying. That's what I'm trying to think of.

• 35:09Speaker 03

  Yeah, if you would shut the up and let me talk. Okay, so we got into a fight. This motherfucker went to the store and bought me chickens to make up from the fight. We don't have a chicken coop. We don't have any chicken food. We don't have.

• 35:23Caleb Hammer?

  Something she was asking for?

• 35:25Speaker 04

  For years.

• 35:26Caleb Hammer?

  Oh, okay. So it was at least something in your.

• 35:28Speaker 04

  It wasn't random.

• 35:29Speaker 03

  It was pretty fucking random.

• 35:31Speaker 04

  It was.

• 35:31Caleb Hammer?

  It may have been a random time to buy it, but the, the, the, the purchase subject wasn't random.

• 35:36Speaker 03

  So I go inside, I go to sleep, whatever. We wake up the next morning.

• 35:42Speaker 03

  And stuff happened and then we went to the bathroom.

• 35:45Caleb Hammer?

  What happened?

• 35:46Speaker 03

  He started to have sex with me and I kept telling him, no, no, no, no.

• 35:50Speaker 04

  Bullshit.

• 35:50Speaker 03

  Literally.

• 35:51Speaker 04

  This is the biggest bunch of bullshit you have ever heard this year. I swear to God.

• 35:56Speaker 03

  I.

• 35:58Speaker 04

  You want to?

• 35:59Speaker 03

  What?

• 35:59Speaker 04

  Go ahead.

• 36:00Speaker 03

  What?

• 36:00Speaker 04

  Go ahead and I will, I will follow. Go ahead.

• 36:03Speaker 03

  So I launched this man off of me multiple times. He finishes whatever he's doing and he's like, wait, were you even into that? And I was like, you, no, I wasn't. I was telling you no the whole time.

• 36:14Speaker 04

  My mom, I was.

• 36:16Speaker 03

  Yeah, I sure did. I sure did.

• 36:18Caleb Hammer?

  My friend, that is.

• 36:20Speaker 04

  Consensual non-consent is her favorite thing?

• 36:22Speaker 03

  No, it's not my.

• 36:23Speaker 04

  And not, not, not, not, we didn't just jump straight in. I didn't jump straight into it.

• 36:27Speaker 03

  But I never said, hey, let's have some CNC.

• 36:29Speaker 04

  Basically did.

• 36:30Speaker 03

  No, I didn't. I didn't say anything, but no, I don't want to have sex.

• 36:35Speaker 04

  That's not how it started. It started with us cuddling, literally for like 20 minutes and you kept bouncing your ass off of me.

• 36:43Speaker 03

  No, I wasn't.

• 36:44Speaker 04

  Does that not always turn into sex when you're cuddling?

• 36:46Caleb Hammer?

  It typically is implied consent. But consent can be removed at any time, my friend.

• 36:52Speaker 04

  Well, but she.

• 36:53Caleb Hammer?

  But CNC complicates things.

• 36:54Speaker 04

  It's hard to read.

• 36:55Caleb Hammer?

  NCNC is a safe word typically.

• 36:58Speaker 03

  Yes.

• 36:58Speaker 04

  Did not have a safe word.

• 37:00Speaker 03

  Plan it.

• 37:01Speaker 04

  No.

• 37:02Caleb Hammer?

  Do you have the one plan? That's, that's relationship to relationship. It depends. What did you guys discuss and agree as a whole?

• 37:08Speaker 04

  Nothing. There was no discussion. It was just.

• 37:10Caleb Hammer?

  Okay, so that is confusion.

• 37:11Speaker 04

  Spur of the moment.

• 37:11Speaker 03

  We've never.

• 37:12Caleb Hammer?

  I would have probably clarified personally.

• 37:14Speaker 03

  I mean, I'm literally kicking this man in the chest, kicking him off of me and telling him, no, no.

• 37:19Speaker 04

  That's when I realized.

• 37:20Caleb Hammer?

  I agree. To me, that's bad, but well, she said you finished.

• 37:24Speaker 04

  Yeah, but that's when I realized.

• 37:26Speaker 03

  After, after he finished and then I get up and I'm going to the bathroom and he said, oh, were you even into that?

• 37:32Speaker 04

  Literally this 10 years has happened one time. That's how I know I'm not a racist.

• 37:36Caleb Hammer?

  Cause CNC, it's like you know they're into that because there's discussion.

• 37:39Speaker 04

  We, I mean, usually.

• 37:41Speaker 03

  We've never done, we've never actually played out a CNC.

• 37:43Speaker 04

  Yes, we have.

• 37:44Speaker 03

  No, we.

• 37:44Caleb Hammer?

  Then what, then what made you get so?

• 37:47Speaker 04

  Nine times out of 10 is aggressive. So, I mean, there was basically the same, but different.

• 37:52Caleb Hammer?

  What made you do that so different that morning?

• 37:55Speaker 04

  Another thing, every time that we've gone to sleep, mad, we literally wake up in a good mood, fine, ready to start today.

• 38:03Caleb Hammer?

  Yeah.

• 38:03Speaker 04

  Okay, so that's what I'm thinking is the same damn thing. I literally get up, take care of the dogs, I come back, lay, cuddle up next to her. And it's like 10 minutes of ass bouncing.

• 38:15Speaker 03

  No, I never was.

• 38:16Caleb Hammer?

  Which is implied consent, which despite where Reddit and TikTok and non-frontal load developed think is an actual form of consent. However, consor- consent can be removed at any time.

• 38:28Speaker 04

  I just didn't realize it.

• 38:29Caleb Hammer?

  Well, I'm sorry, kicking and saying, no, I don't want to is removal. And CNC, like you said, nothing was established. So CNC is great, but there's clear things that need to be established first. If it's always CNC, free use CNC, that's where there's like a safe word.

• 38:44Speaker 04

  And that's where we.

• 38:45Caleb Hammer?

  You didn't have that because you guys also didn't establish that you're in free use CNC. It wasn't CNC anytime.

• 38:51Speaker 04

  We weren't professionals. We just thought we was. So now, now we know. Now I know.

• 38:56Caleb Hammer?

  Now you know. I mean, it is complicated. The reality is you technically did her.

• 39:02Speaker 04

  But for her to, 10 years, one incident, and then her to go to my mom's house and literally scream at the top of her lungs in a neighborhood that I've.

• 39:10Caleb Hammer?

  So to be very clear, so it was done.

• 39:12Speaker 04

  It's wild.

• 39:13Caleb Hammer?

  Finished? Well, he finished. And you immediately got in the car and drove to his mom's?

• 39:17Speaker 03

  No, I got in the shower and he decided to come in there while I was taking a shower and he's like, you know, what's wrong? And I'm like, I'm still pissed because of everything that happened last night. Like I just injured myself. I just moved this big ass fence, tried to, and you as a man stood there and watched me. You let me do.

• 39:39Speaker 01

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• 40:07Speaker 04

  I was letting you finish, get whatever the.

• 40:09Speaker 03

  And because I said, as a man, you sat there and let me struggle and not help me because you were in a petty ass mood about, because I didn't you bring the shed down.

• 40:19Caleb Hammer?

  Yeah, it's, I mean, it's not the greatest. It's not as important as what happened that morning, but go on.

• 40:23Speaker 03

  So, and then I did bring up the whole.

• 40:28Speaker 03

  And um, we just got, we got to arguing and then uh,

• 40:33Caleb Hammer?

  I mean, you did.

• 40:34Speaker 04

  Just crazy.

• 40:35Caleb Hammer?

  I mean, that is the actual word, but like if.

• 40:37Speaker 04

  Who goes thirty years, it just becomes all of a sudden with their wife that been together for ten years.

• 40:42Caleb Hammer?

  Cause the wife can say no.

• 40:44Speaker 04

  Yeah, but I didn't know.

• 40:47Caleb Hammer?

  I know it's, it's more complicated than Reddit and Twitter will allow it to be and Tik Tok it is. That is technically what happened. If we're black and white in it, yes, it's more complicated and it's, I mean, again, if you guys like moved beyond it and you had like a corrective talk afterwards, like yo, that like what the?

• 41:06Speaker 04

  Yeah.

• 41:07Caleb Hammer?

  And you guys moved, and you guys moved beyond it, then that's okay. You guys can do that. But it is technically still something that happened.

• 41:12Speaker 04

  But it should, I mean, I shouldn't carry that label for the rest of my life.

• 41:15Caleb Hammer?

  Probably not if you guys have like moved beyond it, right? No, I agree. But let's also acknowledge the fact that that is actually what happened, probably.

• 41:26Speaker 03

  And in that moment, that's how I feel.

• 41:28Caleb Hammer?

  And yes, complicated, more complicated than the black and white that the internet will allow to be. But you did not want it, correct?

• 41:35Speaker 03

  Correct.

• 41:36Caleb Hammer?

  You were hitting him off.

• 41:37Speaker 03

  Correct.

• 41:37Caleb Hammer?

  And he kept going.

• 41:38Speaker 03

  He kept going.

• 41:41Speaker 03

  Literally launched.

• 41:42Caleb Hammer?

  But you guys are in a relationship. If you guys have established that, okay. There was, it was complicated. I didn't know. We've had CNC discussions and you know, we failed that obviously setting boundaries there. Okay, let's move beyond it and here's real rules. Okay? You guys do that, then no, we're not just gonna sit here and just keep beating you for the rest of your life.

• 41:59Speaker 04

  Yeah, I mean, if it wouldn't end.

• 42:01Caleb Hammer?

  But if she wants to, she can.

• 42:03Speaker 04

  Say how I can't talk. Is that I start talking, she start talking?

• 42:06Speaker 03

  Anyway, so I was in the shower and he, he was like blah, blah, blah, blah, blah. And then I was telling him. A, B, and C, this is why I'm mad at you. This is why I'm mad this morning. You as a man stood there, let me do all this. You didn't help me. I think that's wrong on your part. And then he got mad.

• 42:23Caleb Hammer?

  And that makes me almost think maybe, I mean, I'm on the side that it probably was, but.

• 42:28Speaker 04

  Damn, I thought we were moving.

• 42:29Caleb Hammer?

  But like, but like, was it if the thing she's even more upset about is the fact that you didn't help her move something?

• 42:35Speaker 04

  Very good, very good point.

• 42:37Speaker 03

  No, I also.

• 42:38Speaker 04

  Be the priority.

• 42:39Caleb Hammer?

  I'm not, I'm gonna fence it and not make a conclusion.

• 42:43Speaker 03

  Uh, so I literally just said that while I was in the shower, we were talking about the sexual thing. And then I was also telling him like, this is why I'm mad at you. He got mad. He said, well, you're useless. I got mad at that and I slapped him and then he pushed me.

• 43:00Caleb Hammer?

  Well, you, you physical art.

• 43:01Speaker 03

  Yes, I did start it.

• 43:02Caleb Hammer?

  You started it. Like, was this like a, or was this like a?

• 43:06Speaker 03

  Yeah, it was, it was.

• 43:07Caleb Hammer?

  That's crazy. You're, you're, you're, you're abusive. That's on our labels.

• 43:11Speaker 03

  I mean.

• 43:12Caleb Hammer?

  Yeah, you're an assaulter. You're an abuser. You're abusive.

• 43:15Speaker 03

  Listen, he called me useless and that like.

• 43:18Caleb Hammer?

  Which probably shouldn't be a person working in a prison. If you like, can't control yourself like that.

• 43:24Speaker 03

  Well, I don't have interactions with inmates like that.

• 43:26Caleb Hammer?

  Okay, then okay, it's better then.

• 43:28Speaker 03

  Yeah.

• 43:29Caleb Hammer?

  Okay, go on, go on. So you hit him.

• 43:31Speaker 03

  And then he pushed me, I pushed him back and then he pushed me up against the wall and to get away from the situation, I bit him on the chin, apparently so hard.

• 43:43Caleb Hammer?

  What, is he pinning you?

• 43:45Speaker 03

  Yes.

• 43:45Speaker 04

  I'm trying to control her, like, stop.

• 43:47Caleb Hammer?

  No, I kind of understand what you're doing, but she reacted that way because she felt pinned. So it's like I.

• 43:53Speaker 04

  So how come every time I try to leave the bathroom, you throw shit at me? Like every time I try to walk away twice, try to walk away, I get shit thrown at me. That's why I turn around.

• 44:00Caleb Hammer?

  Care as much about all this if you guys didn't say there was a kid.

• 44:03Speaker 03

  There was, once our son walked in, that's.

• 44:05Caleb Hammer?

  Was a kid?

• 44:06Speaker 03

  Yes, there was a kid.

• 44:07Caleb Hammer?

  He's dead?

• 44:08Speaker 03

  No, he's alive.

• 44:09Speaker 04

  No, he's doing.

• 44:09Speaker 03

  Oh, I see what you're saying. There is a kid.

• 44:11Caleb Hammer?

  Oh, okay. Yeah, one kid.

• 44:13Speaker 04

  We fucked up with that, but.

• 44:15Caleb Hammer?

  Well, there's one kid.

• 44:16Speaker 04

  Two kids, one wasn't home. No, one was home. She literally started screaming.

• 44:20Caleb Hammer?

  Guys' relationship, how many kids are there?

• 44:21Speaker 04

  Two.

• 44:22Speaker 03

  Two.

• 44:22Caleb Hammer?

  Okay, what are the ages?

• 44:23Speaker 03

  Three and twelve.

• 44:25Caleb Hammer?

  Okay.

• 44:25Speaker 04

  Twelve year old's not hers. It is, but it's not.

• 44:29Caleb Hammer?

  No, I, I understand.

• 44:30Speaker 03

  I have friends.

• 44:31Caleb Hammer?

  You're low and not all around town. I get it.

• 44:33Speaker 04

  Yeah, more, yeah.

• 44:34Caleb Hammer?

  It is what it is. Okay. So, okay. You got away after biting his chin, I guess.

• 44:38Speaker 03

  And then our son came in and I literally just had the biggest epiphany where I was like, what the are we doing?

• 44:45Caleb Hammer?

  Yeah, you guys are saying, do you not hear this conversation so far of how crazy your guys' relationship is?

• 44:51Speaker 03

  So I was like, get away from me. You know, we got done. I gathered up my stuff. I gathered up our son. I went to his mom's house.

• 44:58Caleb Hammer?

  Like leaving.

• 44:58Speaker 03

  Yeah, like leaving.

• 44:59Speaker 04

  No, she was going to pill on me.

• 45:01Speaker 03

  No, I wasn't. I was trying to leave. We were, it was such an escalated situation that I knew the best result would be one of us leaving. So I left.

• 45:10Caleb Hammer?

  Went to his mom's house?

• 45:11Speaker 03

  I went to his mom's house. As soon as I got to his mom's house, his mom's on the phone with him. I am still in like a panic mode. Like I'm still high anxiety, like freaking the out. I get up there and I'm telling her like, are you on the phone with him? And she's like, yeah, he already told me everything that happened. And I'm like, well, did he tell you that he fucked me? And then she's like, I don't know, baby. I don't know what to do. And I was like, it's fine. I'm leaving.

• 45:37Caleb Hammer?

  It is, it is hard to put someone in that position.

• 45:39Speaker 04

  Yeah, the middle of like nothing. Like she had no idea what was going on. I literally called her like, yeah, I think.

• 45:45Speaker 04

  I think me and Caitlyn about to get a divorce.

• 45:47Caleb Hammer?

  And for what it's worth, based on every conversation I've had on the show where people over sensationalize anything, I actively take the step of not believing all of them. It's really sad actually, but it's, it's really pathetic what people have done since me too. Or I really want to be on the side. Luckily I am a hundred percent on your side because at least you guys agree on it. But the thing is, when I ever get the full picture, it's just like someone like grazed against someone's hand and they got like crazy these days.

• 46:12Speaker 03

  That's why earlier I was saying whenever.

• 46:14Caleb Hammer?

  So I'm just saying that as like, it's fair that your mom was like, kind of like, whoa, okay, I don't know.

• 46:18Speaker 03

  Yeah, but in my mind, at that time, I was like, there's no help for me here. So my mind went, I have no help. If I were to leave this situation today, I have.

• 46:31Caleb Hammer?

  Yeah, it's scary. No friends, no family. Yes, you're a loser.

• 46:37Caleb Hammer?

  You're a good girl. I know. This is a hard, this is a hard moment. I know.

• 46:40Speaker 04

  The girl's crazy.

• 46:46Speaker 03

  So anyways, I was like, I literally have nowhere. Like,

• 46:51Speaker 03

  I don't have friends. I don't have family. So I don't know.

• 46:56Caleb Hammer?

  But you have Caleb Hammer.

• 46:58Speaker 03

  I do have Caleb Hammer.

• 46:59Caleb Hammer?

  You could have come to the studio and we would have laid out for you a double layer mattress.

• 47:03Speaker 03

  Hell yeah, the Ashley brand. Um, anyway, so I was like, wow, I don't have anybody. I don't have friends. I don't have a mom. So I fucked off the deep end and deleted like, I went from like fifteen hundred Facebook friends to now I have five hundred and twenty eight.

• 47:20Caleb Hammer?

  Okay. Quick question and all that, because I was like, I'm feeling sad, sympathetic with you. No, no, no, no, no.

• 47:27Speaker 03

  I have my mom.

• 47:27Caleb Hammer?

  What is with, what is with the rural Americans and their obsession with Facebook? How after, okay. I mean, let's be clear. Got first instinct, delete all my friends on Facebook. Like what is with you people in Facebook? Like, why is Facebook like, what are you?

• 47:43Speaker 03

  It's because I had my mom, my, I had my family on my Facebook.

• 47:47Caleb Hammer?

  Okay, but there's so many things to do before deleting friends, like go to a hotel, a motel.

• 47:52Speaker 03

  Well, I'm broke, so.

• 47:53Caleb Hammer?

  Yeah, but I mean, are you guys joint? Like you said, everything's in a time, you could have taken, you could have spent money. Okay, okay. So what, what happened then at the end of that thing? Is that when you printed the papers?

• 48:02Speaker 03

  Yeah.

• 48:02Caleb Hammer?

  Okay, well, I think fair. Took us forty five minutes to get, now I understand why you opened like before we filmed with that. Cause that's, it's crazy how much context actually delivers something. You, you wonder why we spend so much time on letting you know people? Context. It actually does matter, even if it's Springer and.

• 48:22Speaker 03

  Anyway, so yeah, I deleted everybody, gave him the papers. I said, listen.

• 48:26Caleb Hammer?

  Do you forgive him for what happened?

• 48:28Speaker 03

  No. But.

• 48:29Caleb Hammer?

  Damn shit. Cause I was gonna say, don't cause him any real life consequences because I was expecting her to say yes. Never mind.

• 48:36Speaker 03

  No, no, I don't. And he knows that I don't, I don't agree with any of it.

• 48:40Caleb Hammer?

  How can you guys?

• 48:40Speaker 04

  Yeah, you don't agree with it.

• 48:41Speaker 03

  Any of it. I don't.

• 48:42Caleb Hammer?

  But you want to be together?

• 48:44Speaker 03

  I do want to be together because.

• 48:45Caleb Hammer?

  So when you said, here's the papers, get your shit together, what can he do for you to not divorce at this point?

• 48:52Speaker 03

  So I told him, since the very beginning of our relationship, I've been telling him, you need to go to a doctor, you need to get on medicine, you have anger issues, you've got anxiety issues.

• 49:03Caleb Hammer?

  Well, you hit first as well, though. I mean, like, you're abusive.

• 49:07Speaker 03

  I have my issues, but he can attest, I've, I have gone through leaps and bounds to fix my shit.

• 49:17Caleb Hammer?

  Have you guys been to therapy together?

• 49:19Speaker 03

  Yeah.

• 49:20Speaker 04

  Yeah, once for

• 49:20Caleb Hammer?

  And?

• 49:21Speaker 04

  One visit.

• 49:21Speaker 03

  He said he didn't like her.

• 49:23Speaker 04

  She gave me a bunch of damn print offs. Like, what am I supposed to do with a print off?

• 49:26Caleb Hammer?

  I mean, maybe. I don't know. Here. Okay, here's the, here's the thing. I'm blessed enough to be able to offer this now, um, cause it is hard to offer therapy and therapists and this isn't like a sponsor or partnership. I have my own personal therapist that has helped me through with things. And now that we're getting kind of to the end of our process, you know, he and I started having a conversation. I was like, I wish you could help people like my guests. Like, he's like, you know what? Let's do it. So I'm gonna pay for you guys to go to my own personal therapist. We keep him anonymous. We call him Dr. D on the show. He's really good. He's not an enablement therapist, which I swear like 70% of them are these days. He'll tell you to shut the up and he'll kick your ass verbally. Okay? If you guys suck. So you clearly you guys need help. But do you, you wanna stay together after all this?

• 50:10Speaker 03

  Yes, because literally he's my best friend. Like, he's been there for me through a lot of hard shit. I, I've never had a friend.

• 50:19Caleb Hammer?

  Some of that hard shit, though?

• 50:21Speaker 03

  He has, but he was with me when I went through, like, leaving my family completely. And that took me months.

• 50:30Caleb Hammer?

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• 51:14Caleb Hammer?

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• 51:55Caleb Hammer?

  Yeah, same. But your competitors, they're already making AI work for them. So here's your next move. Today's sponsor, NetSuite by Oracle. NetSuite is the number one AI-powered cloud ERP trusted by over 43,000 businesses. It brings your financials, inventory, HR, and commerce, all of it into one place, one source of truth. So your AI isn't just guessing, it actually knows what it's doing. It automates the boring stuff, gives you insights that make sense, and helps you make fast, confident, cost-cutting decisions. And with the new NetSuite AI connector, you can even plug in your favorite AI tools and ask it anything like who your best customers are and how much inventory you're about to sit on forever. This isn't some duct taped on tool. It's real deal AI baked into the system that runs your business.

• 52:38Caleb Hammer?

  If I had to run a large, fast-growing business, NetSuite would be my go-to. So whether you're making millions or just trying to, go to netsuite.com/hammer and download the free guide, Demystifying AI. All right, let's get back to the episode. Then I hope we can get you guys together. Let's get into these finances and I have a feeling we're gonna learn a lot more about your guys' floors as we go on. I just need to start getting through this stack shit. What do you guys think your household financial score is today? Zero to 10, zero being the best, or zero being the worst, 10 being the best?

• 53:06Speaker 04

  I got a 2.8.

• 53:07Speaker 03

  I would say zero.

• 53:08Caleb Hammer?

  All right. If you wanna figure out your score, it sounds like he did. Go to Calebhammer.com, take the assessment. It's free. Figure out where you stand in detailed categories. Uh, check it out, Calebhammer.com. And if you don't wanna be like a guest who ends up on the show, make sure to download the Dollar Wise Budgeting app. It is the best budgeting app for the average American. It is so good. Check out a free trial, see if it works for you. Most people take the annual version after that because it saves nearly 50% on your 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 as well, guys. Check that out, dollarwise.com, or just download the app, or go, all those links in the description below. Okay. His mom's credit card. Okay. Why are we caring about, why is this here? What, what am I doing with this?

• 53:53Speaker 04

  Uh.

• 53:53Caleb Hammer?

  His mom's credit card.

• 53:54Speaker 04

  Not really much to do with it, other than I

• 53:57Caleb Hammer?

  What does this have to do?

• 53:58Speaker 04

  I don't feel like, that's what I'm saying about her income. It's not right because we don't have enough money to pay everything. So I, my mom gives me her card and I use it for gas and groceries.

• 54:08Caleb Hammer?

  You're 30 years old. Your mother gives you your credit card to get gas and groceries?

• 54:14Speaker 04

  I mean, we went from making six figures to nothing because she's in school.

• 54:19Caleb Hammer?

  Okay, what was the six-figure situation?

• 54:21Speaker 04

  When she was working.

• 54:21Caleb Hammer?

  What were you making?

• 54:22Speaker 03

  We were great. I was, I was making

• 54:24Speaker 04

  Another 60? So we was probably like 120?

• 54:27Caleb Hammer?

  Okay, and we stopped that to go pursue nursing?

• 54:30Speaker 03

  Yeah, so I could further

• 54:31Speaker 04

  She was already a nurse, but advanced, advancing.

• 54:33Caleb Hammer?

  Well, the thing is, once she's done with her nursing school, she actually works and you guys are together. You guys are gonna make maybe even upward of together 200.

• 54:39Speaker 03

  Mm-hmm.

• 54:40Speaker 04

  Yeah, and I'm going to nursing school too, so.

• 54:41Caleb Hammer?

  Really? You're gonna be a nurse?

• 54:43Speaker 03

  Yes.

• 54:44Speaker 04

  You can't see it.

• 54:45Speaker 03

  Isn't that crazy? I told him he would do great in corrections.

• 54:48Caleb Hammer?

  Yeah, maybe. I don't know.

• 54:49Speaker 04

  Show me getting

• 54:51Caleb Hammer?

  She's not in a women's prison.

• 54:52Speaker 04

  You don't have a crack bet on me, I mean.

• 54:54Speaker 03

  Shit, you don't wanna be in the women's prison. They'll, they'll get ya.

• 54:57Caleb Hammer?

  He'll

• 54:58Speaker 03

  No, they will

• 55:00Speaker 04

  Crazy.

• 55:01Caleb Hammer?

  Oh, okay.

• 55:02Speaker 04

  Crazy. I don't know why we're beating the day horse about me.

• 55:05Caleb Hammer?

  I mean.

• 55:06Speaker 04

  I'm, I've been a drug dealer. I've been this, I've been that, but I ain't been no

• 55:10Caleb Hammer?

  This is in a $600 balance. This has $600 a month. What does this mean? What is like this mom's credit card? What do I put?

• 55:16Speaker 04

  That's most of our groceries and most of my gas.

• 55:22Caleb Hammer?

  Yeah, but like, what's the balance? What do you owe her?

• 55:25Speaker 04

  I don't owe her none. She said I don't owe her none.

• 55:27Caleb Hammer?

  Oh, come on. And she does $600 on her own credit card a month? And you give her nothing for it? She just pays for all this?

• 55:33Speaker 03

  No, he, he

• 55:34Speaker 04

  For right now, yeah. I'll get her back.

• 55:36Caleb Hammer?

  But how much? We don't know.

• 55:38Speaker 04

  And just, we don't, we don't count them out. It's like, I'm gonna get her back. She got

• 55:41Caleb Hammer?

  Get her back in what way?

• 55:43Speaker 04

  Probably like gifts or something like

• 55:45Caleb Hammer?

  So what do I put down for this?

• 55:46Speaker 04

  Uh, no, it's not a debt. It's just what I'm having to

• 55:50Caleb Hammer?

  But $600 a month. She does that. You don't give it to her.

• 55:52Speaker 04

  Actually, it's $1,200 a month.

• 55:54Caleb Hammer?

  That she does?

• 55:55Speaker 04

  She pays for our son's daycare.

• 55:57Speaker 03

  12?

• 55:57Speaker 04

  We can't afford it.

• 55:58Speaker 03

  It's not 12?

• 56:00Speaker 04

  It's 600, plus 600 is 1,200.

• 56:02Speaker 03

  A month?

• 56:04Speaker 04

  See, it's, this is where I'm the only one that takes on the finances and I get

• 56:08Caleb Hammer?

  Why? Why aren't you participating?

• 56:09Speaker 03

  Because I

• 56:11Caleb Hammer?

  Cause what?

• 56:12Speaker 03

  Look how frustrated he's getting. Anytime we stop, we talk about finances, he gets frustrated and I don't understand what the hell's going on.

• 56:19Speaker 04

  I'm just

• 56:19Caleb Hammer?

  Good. Okay, tell me, how do we, how do we do the finances in this house, guys? Give me some insight. Cause clearly, it's a mess. Obviously, you're not a part of it, but just like, what have we tried to do? What's happening?

• 56:32Speaker 03

  Well, he, I'm sorry. He used to do it all the time. He's kinda stopped being as responsible. So you're kinda seeing like a role switch with us where I'm kinda taking over the finances more.

• 56:45Caleb Hammer?

  So you're getting in?

• 56:46Speaker 03

  I'm getting it. Like, I've gotta

• 56:47Caleb Hammer?

  And he's allowing this?

• 56:48Speaker 03

  Yeah.

• 56:49Speaker 04

  Yeah.

• 56:49Caleb Hammer?

  Okay, so what's the issue? What are you talking about then?

• 56:51Speaker 03

  Because

• 56:52Speaker 04

  I wanted help the whole time.

• 56:54Caleb Hammer?

  Why wasn't she?

• 56:56Speaker 04

  Cause she just didn't know. I mean, she grew up where she didn't have to worry about finances or money, so like, it stressed her out.

• 57:02Speaker 03

  Yeah, it intimidated me.

• 57:04Speaker 04

  So I just let her be, you know, like, all right, whatever.

• 57:06Speaker 03

  But I'm not also, I'm not going out and spending a bunch of money. Like, if he says, if he's like, we don't have money.

• 57:12Caleb Hammer?

  The spender?

• 57:12Speaker 04

  Yeah.

• 57:13Caleb Hammer?

  What are you spent? Why?

• 57:15Speaker 04

  I don't know, coping, I guess.

• 57:16Caleb Hammer?

  Are you holding him accountable? What's happening? What are the conversations around the spending?

• 57:20Speaker 03

  I see bills are coming up. I can't see his bills, but like my debit cards.

• 57:25Caleb Hammer?

  But you guys said you're combined.

• 57:26Speaker 03

  We are combined.

• 57:27Caleb Hammer?

  How can you not see his stuff then? That doesn't make any sense.

• 57:30Speaker 03

  Cause the way the app is set up, I only have my stuff and then he has his stuff.

• 57:34Caleb Hammer?

  Can you see her stuff?

• 57:34Speaker 04

  She, we can't see each other's credit cards, obviously, cause we're not

• 57:37Caleb Hammer?

  But isn't that managing for spending, though? How can we budget if we don't know where our spending's going, guys?

• 57:44Speaker 04

  No, everything joint on the checking account.

• 57:46Caleb Hammer?

  Just checking, but you're not seeing where the spending is, what the categories are.

• 57:50Speaker 04

  Uh, well, I know what my categories are, but I don't know what hers are.

• 57:54Speaker 03

  She don't ever leave the house.

• 57:55Caleb Hammer?

  The point?

• 57:57Speaker 03

  Yeah, that's another thing. I never leave the house.

• 57:59Caleb Hammer?

  Isn't the point for us budgeting together is knowing where the money is going? If she can't see it, how do we know?

• 58:07Speaker 04

  Yeah, I get that part. It's true, but, I mean, what is she gonna look at? Like, I bought gas.

• 58:12Caleb Hammer?

  Maybe. She wouldn't know. I wouldn't know.

• 58:14Speaker 04

  She wouldn't care.

• 58:15Speaker 03

  I could be like, hey, why did you go to Walmart and spend $50 four days in a row?

• 58:22Speaker 04

  Because I'm picking up groceries on the way home, that I'm gonna cook when I get there. And I grab a monster truck if I got a new one.

• 58:28Speaker 03

  I literally have no idea what his credit card limits, amounts are. I know that my credit cards, I have one that got a little high and I was like freaking out, cause I was like, oh my

• 58:39Speaker 00

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• 59:04Speaker 03

  God, I've got student loans. I've got credit cards. I'm not gonna be able to do this. And he's like, huh, eleven thousand? Those are rookie rookie numbers.

• 59:12Speaker 04

  I didn't say, that's why I didn't say rookie numbers.

• 59:14Speaker 03

  He said those are rookie numbers.

• 59:15Speaker 04

  I said, that ain't shit on mine that we're literally living off of. So don't stress about it. Like it's, it's fine. Like, we have to do what we have to do in this moment until we graduate.

• 59:26Caleb Hammer?

  What the?

• 59:26Speaker 03

  So I have an Excel sheet for me. It has all my-

• 59:29Caleb Hammer?

  It's not gonna work just doing half.

• 59:31Speaker 04

  Exactly. And she just made it like two, she just made it like two weeks ago.

• 59:34Speaker 03

  No, I made it like-

• 59:35Speaker 04

  She looks like she's been on financial top of the world for the last year. And it's not like that.

• 59:39Speaker 03

  No, I have not. But I have recently been more serious about it.

• 59:43Speaker 04

  Yeah, she has recently, very recently.

• 59:45Caleb Hammer?

  Yeah, had, uh, listen, nothing, nothing that anyone does when they know they're coming on financial, or leading up to coming on financial out of pounds.

• 59:52Speaker 03

  I started doing all that before he applied.

• 59:54Caleb Hammer?

  When'd you guys apply?

• 59:56Speaker 04

  Like, not even a month ago.

• 59:57Caleb Hammer?

  But she, you, you said, he said you were starting to do this two weeks ago.

• 1:00:00Speaker 04

  She might have been a day in advance. She didn't know, but she did start. She started before, but-

• 1:00:06Caleb Hammer?

  But it doesn't really count to me. Okay. So the mom thing, do I put that anywhere? What do I do with that?

• 1:00:10Speaker 04

  It's just more of like a, I feel up for having to do that.

• 1:00:13Caleb Hammer?

  You should, till, to be confirmed. She spends twelve hundred dollars.

• 1:00:16Speaker 04

  Twelve hundred.

• 1:00:17Caleb Hammer?

  You do nothing. In relation to that.

• 1:00:20Speaker 03

  No, he-

• 1:00:20Caleb Hammer?

  In relation to that.

• 1:00:21Speaker 03

  He has-

• 1:00:22Speaker 04

  Oh, yeah, yeah, yeah. For daycare.

• 1:00:23Caleb Hammer?

  She does that.

• 1:00:24Speaker 04

  I buy like a quarter of the groceries, a quarter of my gas, and she buys like-

• 1:00:28Caleb Hammer?

  But of the twelve hundred dollars, you don't give her any pennies towards that. It's just her.

• 1:00:31Speaker 04

  I got to borrow. How am I gonna give you?

• 1:00:33Caleb Hammer?

  Oh my gosh, okay. You're not understanding my question. I'm just trying to notate how much I'm putting down for like minimum monthly payments and shit. No, no, just minimums. She spends the twelve hundred and you give nothing back, correct?

• 1:00:44Speaker 04

  So just put, yeah, nothing.

• 1:00:45Caleb Hammer?

  Thank you. So I'm just gonna cross it out for, because it doesn't even matter, because when we get to your Navy Federal, well, you took it from nine thousand dollars to two, twenty-one thousand, sixty-two dollars and seventy-six cents, because you purchased eleven thousand dollars, six hundred eighty-one dollars, and only made the minimum monthly payment anyway. So what the are we doing?

• 1:01:03Speaker 04

  I don't know.

• 1:01:03Caleb Hammer?

  The minimum now is four hundred twenty-nine dollars and fifteen cents, two hundred twenty dollars of interest accrue. What the, this takes thirty-two years to pay off.

• 1:01:11Speaker 03

  That's why we don't have money whenever I work my ass off.

• 1:01:14Caleb Hammer?

  Your kids will be approaching their forties and fifties.

• 1:01:18Speaker 04

  That is-

• 1:01:18Caleb Hammer?

  That's where you'll be in life, because all you do is the minimum. It's basically maxed out. What the did you do?

• 1:01:25Speaker 04

  I lived off of it. We had to live off of it because there was not enough money. I, my check is consistent.

• 1:01:30Caleb Hammer?

  Do you push her to work more?

• 1:01:31Speaker 04

  I try not to. I, I try not to.

• 1:01:33Caleb Hammer?

  You might have to.

• 1:01:34Speaker 04

  Well, I feel bad.

• 1:01:35Speaker 03

  He does.

• 1:01:35Speaker 04

  Because I want her to do good at school. I want her to have her time.

• 1:01:38Caleb Hammer?

  But you have to pay for the bills. I'm sorry.

• 1:01:39Speaker 03

  He does, and I do. I go, when money's getting low and he's like, hey, worker-

• 1:01:44Caleb Hammer?

  Clearly not, if he had to-

• 1:01:44Speaker 04

  Two grand a month is not it. That's not her salary.

• 1:01:47Caleb Hammer?

  This was eleven thousand, six hundred eighty-one.

• 1:01:48Speaker 04

  Whatever you got for her salary, like, that's not it. Like, it's literally what I said, like, six hundred is the average.

• 1:01:53Speaker 03

  No, it's not.

• 1:01:54Speaker 04

  Because there could be a month with no money.

• 1:01:55Speaker 03

  I literally will go through and work shifts left and right, back to back, so that way we have a bunch of money. And then he'll say, he'll tell me while I'm working, like, stop picking up so many shifts. Stop working so much.

• 1:02:09Caleb Hammer?

  Why would you say this?

• 1:02:10Speaker 04

  Because she's a goddamn, uh, hyper folk, whatever the hell. Anyways, she'll, she'll, she'll go, she won't work for like three weeks and then she'll just be like, okay, I'm gonna work Monday through Friday and not give myself any time to do schoolwork. I'm like, that's so stupid.

• 1:02:23Speaker 03

  Usually do that after I take my big test, then I'll crank out shifts.

• 1:02:26Speaker 04

  And then not do anything for a month and a half.

• 1:02:28Speaker 03

  So then the last few weeks that I have to study, I have time to sit home and study.

• 1:02:34Speaker 04

  But doing it that way-

• 1:02:35Caleb Hammer?

  Oh my gosh. How much insight did you have into him spending all this money on this credit card?

• 1:02:39Speaker 04

  We're living off of it. How you don't know? Like, you know, we ain't got no money. Where do you think shit's coming from?

• 1:02:44Speaker 03

  Well, I didn't know that's where it was coming from.

• 1:02:46Caleb Hammer?

  Royal King Farm Supply.

• 1:02:47Speaker 04

  Oh, that's chicken shit.

• 1:02:49Caleb Hammer?

  Okay, well, you spent two hundred, two dollars on chicken shit.

• 1:02:51Speaker 04

  That's what I'm saying. Well, I mean, I bought the chickens, but I, it's, shit's expensive.

• 1:02:55Caleb Hammer?

  I wish. I, I mean, chicken, this sounds nice. I'd love that, but, I mean, this is expensive for people who can't even afford to take care of themselves and their kids. Should we have chickens right now? I don't think that makes sense.

• 1:03:04Speaker 03

  Our kids definitely get-

• 1:03:06Caleb Hammer?

  Via credit cards. You can't afford to. You're not doing it.

• 1:03:10Speaker 04

  They're-

• 1:03:10Caleb Hammer?

  And then you add chickens on top. Maybe we get rid of the chickens for now.

• 1:03:12Speaker 04

  Chickens are gone.

• 1:03:13Speaker 03

  Chickens are-

• 1:03:14Speaker 04

  We have, we have two turkeys.

• 1:03:16Speaker 03

  We do have two turkeys.

• 1:03:17Caleb Hammer?

  You didn't give them away?

• 1:03:18Speaker 04

  They disappeared.

• 1:03:18Speaker 03

  No, they disappeared.

• 1:03:19Caleb Hammer?

  All of them disappeared?

• 1:03:20Speaker 03

  Yes, literally all of them.

• 1:03:21Speaker 04

  Except for two turkeys. And they act like dogs.

• 1:03:24Caleb Hammer?

  Hey, time for the turkeys to go?

• 1:03:26Speaker 03

  Yes, Thanksgiving. They will be Thanksgiving turkeys.

• 1:03:29Speaker 04

  I mean, is that not like-

• 1:03:30Caleb Hammer?

  I guess it makes sense.

• 1:03:31Speaker 04

  Is that budget friendly?

• 1:03:32Caleb Hammer?

  I've been a small town and city boy. I've never been a rural boy, so I guess it makes sense.

• 1:03:37Speaker 04

  Yeah.

• 1:03:38Caleb Hammer?

  You keep fatting them up.

• 1:03:39Speaker 03

  Oh, yeah, and they're fat.

• 1:03:40Caleb Hammer?

  I mean, I just don't like how you refer to them as dogs and now you're gonna eat them.

• 1:03:43Speaker 04

  They act like, well, yeah, it's kind of-

• 1:03:45Caleb Hammer?

  They're like pets, right?

• 1:03:46Speaker 03

  Yeah, they're pretty cool. Like, if I go outside and I whistle our female turkey, she'll call back to me. It's pretty cool.

• 1:03:52Speaker 04

  But she-

• 1:03:52Caleb Hammer?

  You're gonna kill her?

• 1:03:53Speaker 04

  She, she is.

• 1:03:54Speaker 03

  Well, she's a, she's a-

• 1:03:55Speaker 04

  It's a mercy kill.

• 1:03:56Speaker 03

  Yeah, she's a meat bird, so if they get too old, they start having like really bad life complications.

• 1:04:02Speaker 04

  Because she's so heavy.

• 1:04:03Speaker 03

  Yeah, so you-

• 1:04:04Caleb Hammer?

  So you got her for this purpose?

• 1:04:05Speaker 04

  I didn't know what she was when I bought her. I just bought it.

• 1:04:07Speaker 03

  He, that, she was part of the-

• 1:04:09Speaker 04

  I thought it was a dope ass white turkey.

• 1:04:10Speaker 03

  Yeah, he, that was part of the purchase of, oh, we just got in a fight. Here's some chickens.

• 1:04:15Caleb Hammer?

  So they're nice to you guys?

• 1:04:16Speaker 03

  Yeah, they're really nice. They're cool shit.

• 1:04:19Speaker 04

  Yeah, you should-

• 1:04:19Caleb Hammer?

  I could never be a farmer.

• 1:04:21Speaker 04

  I don't wanna be a farmer.

• 1:04:22Caleb Hammer?

  I love to eat that shit, but I couldn't, I couldn't raise then kill. I'm a pussy.

• 1:04:27Speaker 04

  Yeah, it'd be tough. I'd probably just drop him off somewhere. Take him to the Amish. We live around a bunch of Minnetonka's.

• 1:04:31Caleb Hammer?

  Well, you definitely stopped in the gas station and got some energy drinks and bullshit. Come on. Eight dollars, what are you doing? I see the gas that you got before that, so it wasn't that. What are you doing? What you doing?

• 1:04:41Speaker 04

  Every morning, I take our, I take our, I've worked five days a week, so five days a week, I take our three-year-old to daycare, and we stop at the store and I get-

• 1:04:50Caleb Hammer?

  Every day.

• 1:04:51Speaker 04

  Two coffees.

• 1:04:54Caleb Hammer?

  What are you doing?

• 1:04:54Speaker 04

  He gets a juice.

• 1:04:56Caleb Hammer?

  What the fuck are you doing?

• 1:04:56Speaker 04

  And a corn dog.

• 1:04:57Caleb Hammer?

  Why is, what a corn dog, just start, how fat is this kid?

• 1:05:00Speaker 03

  He is not fat.

• 1:05:02Speaker 04

  He's got, he's, he's a, he's a animal.

• 1:05:04Speaker 03

  God dang, he's like a damn dumpster.

• 1:05:07Caleb Hammer?

  He's, he will be fat.

• 1:05:09Speaker 04

  He, all he does is run around outside. He, them turkeys, all he do is chase them turkeys.

• 1:05:15Caleb Hammer?

  Great, I'm glad we're killing them.

• 1:05:17Speaker 04

  I mean, he's, he's a beast.

• 1:05:18Caleb Hammer?

  You can't afford him. You probably should. Maybe the kid too.

• 1:05:24Caleb Hammer?

  Okay, um, you can't afford that.

• 1:05:27Speaker 04

  I know, but I-

• 1:05:27Caleb Hammer?

  Make your coffee at home.

• 1:05:29Speaker 04

  I don't know.

• 1:05:29Caleb Hammer?

  Do Gamer Subs if you need your energy drinks. Someone was sipping a Monster, I don't know where I went. So, now, maybe you need Gamer Subs. It's forty cents a serving. Get Liquid Assets, especially, that's our flavor, but you can get whatever flavor you want. Free samples, link in the description below, only with code Caleb, and then get Gamer Subs with the ten percent discount, making it forty cents a serving instead of these multiple energy drinks. So-

• 1:05:49Speaker 03

  What does it taste like?

• 1:05:51Caleb Hammer?

  That's raspberry apple, but there's like a thousand other flavors. It's really good. We, well dude, we, we compared it to like every flavor and this was everyone's voted favorite.

• 1:06:00Speaker 03

  The raspberry apple?

• 1:06:01Caleb Hammer?

  It's fucking delicious.

• 1:06:02Speaker 03

  Did you try to order a-

• 1:06:03Speaker 04

  Sweet tea.

• 1:06:04Speaker 03

  Sweet tea yesterday?

• 1:06:05Caleb Hammer?

  All right, shut the fuck up. I don't give a shit about your, what you're doing outside here. Shut up. Okay.

• 1:06:13Caleb Hammer?

  The thing is, everything that you're doing with him every day that is costing you eight bucks a day, which adds up a lot, cornbread.

• 1:06:21Speaker 04

  Cornbread.

• 1:06:22Caleb Hammer?

  Sorry, corn, corn dog.

• 1:06:23Speaker 04

  You're that damn country.

• 1:06:24Caleb Hammer?

  In the oven in the morning, bulk buy, Costco, juice, bulk buy, Costco, coffee, bulk buy, anywhere.

• 1:06:34Speaker 04

  He likes the ones from the store.

• 1:06:36Caleb Hammer?

  I'm sure he does. I bet he would like growing up in a household that isn't financially stressed. And when you guys get stressed, you start fucking and beating. So it's like- It's true. You want him in this house? I don't. This isn't the house of the kid, and you prioritizing that is prioritizing the bullshit of the house getting, and vaping, we're vaping?

• 1:06:58Speaker 04

  I mean, yeah.

• 1:07:00Caleb Hammer?

  That's not good for you and that's expensive. Twenty-seven dollars and thirty-six cents there, come on.

• 1:07:04Speaker 04

  That vape will last a month.

• 1:07:06Caleb Hammer?

  Doesn't matter. You're putting it on credit cards that you can't pay off. These are your, we needed this to survive shit. Corn dogs and vapes. Come on.

• 1:07:16Caleb Hammer?

  No, it's stupid. You, corn dogs and vapes? Big automotive, seven thousand eight hundred and five dollars. What'd you do?

• 1:07:22Speaker 04

  That's a motor. That's an engine.

• 1:07:24Speaker 03

  Oh, yeah, his, his truck blew up.

• 1:07:25Speaker 04

  Truck blew up.

• 1:07:26Speaker 03

  So right now, we've been driving-

• 1:07:27Caleb Hammer?

  Wait, did you have other, I swear, I saw somewhere you had other cars.

• 1:07:29Speaker 04

  I got multiple cars.

• 1:07:30Caleb Hammer?

  Then why'd you have to fix this one?

• 1:07:32Speaker 04

  Because I needed this driver.

• 1:07:33Speaker 03

  Because the other ones don't run.

• 1:07:33Speaker 04

  They don't run, yeah.

• 1:07:34Caleb Hammer?

  Can you scrap them for money?

• 1:07:36Speaker 04

  Three hundred dollars for a car?

• 1:07:37Caleb Hammer?

  There you go. You said you had five of them though, right? Take it and throw it towards the cars. Of credit cards.

• 1:07:43Speaker 04

  Like four.

• 1:07:43Speaker 03

  There is one-

• 1:07:44Speaker 04

  I'm not scrapping a seventy-two Chevelle. I could sell it for sure. She won't let me sell it.

• 1:07:48Speaker 03

  I won't let him sell it.

• 1:07:48Caleb Hammer?

  Sell it.

• 1:07:49Speaker 03

  I will let him sell it.

• 1:07:50Caleb Hammer?

  Why?

• 1:07:50Speaker 03

  Because when he was going to, this was back in his Florist days, he had twenty thousand dollars cash. We were supposed to save it for a house.

• 1:07:59Speaker 04

  I did buy a house.

• 1:08:00Speaker 03

  We went and looked at a Lincoln Continental.

• 1:08:02Speaker 04

  Yeah.

• 1:08:03Speaker 03

  And I said, hey, maybe we shouldn't get this car because we're saving to buy a house. And he balled his fucking eyes out about it, so I was like, whatever, dude. And then he went and bought his Chevelle for twelve thousand, five hundred dollars out of the twenty thousand dollars that we saved for the house.

• 1:08:17Speaker 04

  Not true.

• 1:08:17Caleb Hammer?

  So sell it. Well, I don't give a shit.

• 1:08:19Speaker 03

  Well, I don't want him to sell it because you balled your fucking eyes out, made me feel bad, so keep it.

• 1:08:23Caleb Hammer?

  That's his choice then.

• 1:08:24Speaker 04

  I've offered.

• 1:08:25Caleb Hammer?

  Sell it. What could you get for it?

• 1:08:28Speaker 04

  Honestly, probably like twenty-two.

• 1:08:31Caleb Hammer?

  Sell it, please. That pays off this credit card. Now, I wouldn't immediately pay off this credit card unless you close it, unless you change your behavior, or else you're gonna rack it right back up again, because it's basically maxed out. Corn dogs, Men's Warehouse, fuck me.

• 1:08:45Speaker 04

  Oh, yeah.

• 1:08:46Caleb Hammer?

  Racing?

• 1:08:46Speaker 04

  Hold on, hold on.

• 1:08:47Caleb Hammer?

  Racing, three hundred dollars in racing. He said they have to use this credit card to survive.

• 1:08:51Speaker 03

  Yeah, literally.

• 1:08:52Caleb Hammer?

  Racing, three hundred dollars.

• 1:08:53Speaker 04

  Race?

• 1:08:54Caleb Hammer?

  Something racing, three hundred thirteen dollars and seventy-six cents.

• 1:08:57Speaker 04

  Okay, well, I don't know what racing is, but Men's Warehouse, I, I had to pay for a suit.

• 1:09:04Caleb Hammer?

  To survive.

• 1:09:04Speaker 04

  In Men's Warehouse? No, I had to be in a wedding.

• 1:09:06Caleb Hammer?

  I'm okay with that one. I'm not okay with the bullshit when there's other cars you can drive right now.

• 1:09:11Speaker 04

  I wasn't expecting to pay for that.

• 1:09:12Caleb Hammer?

  Golden Dragon and Taco Bell and Corn Dogs and Corn Dogs and, uh, Sonic Drive-In, fifty-three dollars there, and a Patreon membership for fifty-five dollars.

• 1:09:24Speaker 04

  Oh, yeah, that was too, uh, I don't know if y'all want me to plug him or not.

• 1:09:28Caleb Hammer?

  You can say who it is.

• 1:09:29Speaker 04

  Damn, what's his name?

• 1:09:30Caleb Hammer?

  I don't even know.

• 1:09:31Speaker 04

  It's the, the British dude with glasses. He, he covers everything. You know what I'm talking about.

• 1:09:36Caleb Hammer?

  Nope.

• 1:09:37Speaker 04

  Yeah, you do.

• 1:09:37Speaker 03

  No idea what he's talking about.

• 1:09:38Caleb Hammer?

  Oh, he has like a thousand channels and they're all like documentaries?

• 1:09:40Speaker 04

  Yeah, yeah. What's that dude's name?

• 1:09:42Caleb Hammer?

  I don't know.

• 1:09:43Speaker 04

  Yeah, you do.

• 1:09:43Caleb Hammer?

  Guarantee, I don't know his name.

• 1:09:44Speaker 03

  Did you subscribe to him?

• 1:09:46Caleb Hammer?

  Everyone knows what he looks like. And he's bald.

• 1:09:49Speaker 04

  The David Trials, for the, no, he's not bald.

• 1:09:51Caleb Hammer?

  What the fuck are you talking about?

• 1:09:52Speaker 04

  He's like, he's like your age.

• 1:09:53Caleb Hammer?

  On that, I don't know who you're talking about.

• 1:09:55Speaker 04

  I can't think of a fucking name.

• 1:09:57Caleb Hammer?

  Guarantee you, his Patreon membership does not have as much content as Hammer Lee does.

• 1:10:00Speaker 04

  He did it for the David Trials.

• 1:10:02Caleb Hammer?

  Fifty-five dollars, dude.

• 1:10:04Speaker 04

  Yeah, I'm gonna get rid of it.

• 1:10:05Caleb Hammer?

  Still fifty-five dollars. Hammer Lee's better.

• 1:10:08Speaker 04

  I already got Hammer Lee. I got it like four days ago.

• 1:10:10Caleb Hammer?

  Best buy, uh, yeah, there's just corn dogs, McDonald's and bullshit. Dude, this is insane. You have to stop.

• 1:10:17Speaker 04

  There's worse, I mean.

• 1:10:19Caleb Hammer?

  It doesn't matter if there's worse. This is still bad.

• 1:10:21Speaker 04

  Not made for us.

• 1:10:22Caleb Hammer?

  It's gonna be thousands, great. It's gonna be thousands of dollars of interest this year. That is not good for your kids.

• 1:10:29Speaker 04

  I know, honestly.

• 1:10:31Caleb Hammer?

  Okay, you have another Navy Federal.

• 1:10:35Speaker 04

  Yeah.

• 1:10:36Caleb Hammer?

  Why not? You're just collecting them.

• 1:10:37Speaker 04

  I got three.

• 1:10:38Caleb Hammer?

  Well, only the minimum was put towards it. Think no spending, but it's still at 5,386,090 cents. Takes 21 years to pay off. Minimum 134.

• 1:10:52Caleb Hammer?

  It's gonna be thousands in interest this year. Wait, what's this? Is this another Navy Federal?

• 1:10:57Speaker 04

  Yeah, I got three.

• 1:10:59Caleb Hammer?

  If you or your child spent years growing up on social media and experienced serious mental health struggles, you should hear this. Recently, a jury ordered Meta and YouTube to pay millions for their role in designing and promoting addictive platforms. They knew their apps could contribute to anxiety, depression, and body image issues, but did not share those risks while prioritizing profits. The recent historic verdict underscores the consequences of those decisions. Now Morgan & Morgan is stepping up to hold these platforms accountable for the harm they caused. Click the link in my bio to take a short quiz. You may be entitled to a potential recovery of over $1,000. Ladies and gentlemen, I got something new to help you that we have personally built.

• 1:11:42Caleb Hammer?

  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.

• 1:12:22Caleb Hammer?

  Go to Calebhammer.com where the Caleb Hammer Financial Resources part of the pinned comment or description below and save a shit ton of money. Well, what's this? Well, I have an August monthly. What is this account? What am I looking at here? Dude, stop barfing. You're a freak.

• 1:12:36Speaker 04

  I'm sorry, I'm gonna go shit on water.

• 1:12:38Caleb Hammer?

  It's water. It's not carbonated.

• 1:12:39Speaker 04

  That's a lot of gas stations. That's probably me. That's what I'm living off now.

• 1:12:43Caleb Hammer?

  Oh, my gosh. This is what you're living off now. Cash advance, cash advance, cash advance.

• 1:12:47Speaker 04

  No, I can't.

• 1:12:48Caleb Hammer?

  Antiques. Corn dogs. Bullshit. Filipino market. American eagle.

• 1:12:56Speaker 04

  That shit was gross.

• 1:12:57Caleb Hammer?

  Journey's kids. Palmetto moon. Burlington stores. Old Navy. Corn dogs, corn dogs, corn dogs. I think Dairy Queen, maybe? Um, corn dogs. Sonic again. Corn dogs. Panda Express. Corn dogs. Smoking and vape. Boot Barn. Academy Sports.

• 1:13:24Caleb Hammer?

  Toy store $200. Corn dogs. Hertz car rental. This is what you're living off of? 90% of it is bullshit. You're not living, you're having fun. This isn't living, dude. This isn't being a responsible father or partner. This is being a piece of shit who can't control their wants and desires.

• 1:13:43Speaker 04

  Most of it is for my son.

• 1:13:46Caleb Hammer?

  Doesn't matter. You're putting his life. He's gonna have to delay his entire adult life because you guys won't be able to retire and he's gonna have to take care of you. And we're not gonna have social security like we have today.

• 1:13:58Speaker 04

  This is the way I, this is the way I said, so she, our graduation day is next year. Mine is a few years after. But when she graduates, we're straight and we were good.

• 1:14:08Caleb Hammer?

  No, because you're gonna have to take time off to go to school.

• 1:14:10Speaker 04

  I know. Well, no, no, no, not, not, not fully, but we were good before this and I, I don't want like him to pay the consequences because she gotta go to school and I'm.

• 1:14:22Caleb Hammer?

  He will. When you guys make more money with your lifestyle, you're gonna inflate your lifestyle. That's what happens every day. Oh, who, who do you think's right? You guys in this situation or me who's talked through a thousand versions of you?

• 1:14:33Speaker 04

  I don't think he talked to nobody like that.

• 1:14:35Caleb Hammer?

  We're going, we're going.

• 1:14:36Speaker 04

  I was paying off $2,000 a month extra and it paid just to pay off debt.

• 1:14:41Caleb Hammer?

  You're living this lifestyle where you couldn't come back. When you make more money, you will spend it all.

• 1:14:45Speaker 04

  I'm dead.

• 1:14:46Caleb Hammer?

  Uh, maybe. I hope so, but probably not. Based on just how everyone in this situation does it. Because I know for a fact you guys are planning on taking a massive vacation the moment she graduates.

• 1:14:59Speaker 04

  She wants a car. She wants an AMG.

• 1:15:03Speaker 04

  She wants an AMG.

• 1:15:03Caleb Hammer?

  So where's the, where's the, where's the vacation to?

• 1:15:06Speaker 04

  I'm gonna go back to Disney World.

• 1:15:08Caleb Hammer?

  Oh, back to? Yeah, that's, when's the last time you guys went to Disney?

• 1:15:11Speaker 04

  Was it last summer or the summer before?

• 1:15:13Speaker 03

  Uh, yeah, it was a couple summers ago. We went for two weeks.

• 1:15:15Caleb Hammer?

  And how much did you guys spend? Probably like 10,000 bucks.

• 1:15:18Speaker 04

  I don't know.

• 1:15:18Caleb Hammer?

  5,000 bucks. Insane amount of money. You're gonna do that again? Exactly. That's what's gonna happen, guys.

• 1:15:23Speaker 04

  That car that I stopped using was maxed out on that trip at Red Lobster. They come back, I said I still owe like $13 off the bill. And that's why I was like, ooh, shit.

• 1:15:34Caleb Hammer?

  Again, Navy Federal, strawberry. Uh, this, um, Metroplex there? Um, corn dog. Wendy's, Instacart, Pizza Hut.

• 1:15:49Speaker 00

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• 1:16:14Caleb Hammer?

  Earl King, some strawberry restaurant barbecue McDonald's. It's all bullshit, guys. You spend all your money on bullshit. It's only gonna get ramped up and worse. I've seen it every time. You can't tell me it's not going to.

• 1:16:25Caleb Hammer?

  You're bullshitting. You're a bullshitter. It's all bullshit, man.

• 1:16:29Speaker 04

  The only thing it is is we're just trying to maintain not having to.

• 1:16:33Caleb Hammer?

  You shouldn't be maintaining. This is an insane lifestyle. This is unhealthy and bad anyway.

• 1:16:37Speaker 03

  It is unhealthy and bad, and that's why I've been getting even more stressed out because I have no idea what he's doing, but I know that it's.

• 1:16:43Caleb Hammer?

  Spending all his money to make everything seem as if it's all right. But it's not. It's not. It's not all right.

• 1:16:51Speaker 03

  And when I was working full time.

• 1:16:53Caleb Hammer?

  It's not all right. You have to accept that.

• 1:16:55Speaker 04

  But I can deal with it.

• 1:16:55Caleb Hammer?

  No, you can't. It's all going to maxed out credit cards. Soon you'll be at that cap and then there's nothing to do except open more credit cards.

• 1:17:01Speaker 04

  Until next year.

• 1:17:01Speaker 03

  Yeah, I know.

• 1:17:02Caleb Hammer?

  Until next year. I don't think you'll make it to next year on this trend. They're gonna be maxed out. You're gonna have to open personal loans and shit.

• 1:17:07Speaker 04

  I've got, I've got enough room left on that.

• 1:17:09Caleb Hammer?

  No, you, not till next year.

• 1:17:11Speaker 04

  But if she'll work, I'm good.

• 1:17:13Caleb Hammer?

  Sounds like she won't and you don't let her.

• 1:17:15Speaker 04

  No, no, no, no. Well, yeah, maybe a little bit.

• 1:17:17Speaker 03

  But it's like, it's unfair because we're racking up the money. So when I graduate and I start in my.

• 1:17:24Caleb Hammer?

  And you wanna get like.

• 1:17:25Speaker 03

  Work my ass off to pay all this off.

• 1:17:29Caleb Hammer?

  It's all bullshit, guys. Both of you need to sit down, look at your purchases and spending across all accounts and stop. We have another Navy Federal on yours. This is $11,500.

• 1:17:39Speaker 03

  Yeah, hold on.

• 1:17:40Caleb Hammer?

  $555.79 a month.

• 1:17:42Speaker 04

  She gonna see?

• 1:17:42Speaker 03

  That's, he, he put that up.

• 1:17:45Caleb Hammer?

  I'm sure he did. It's gonna be thousands in interest again. You have another Navy Federal. We have a shit ton of Navy Federals. Now these are hers, though. At this one, we have $7,670.61. There's spending on here and interest with a minimum monthly payment of $276.02.

• 1:18:01Speaker 04

  Yeah, I wanna see what you spend money on.

• 1:18:04Caleb Hammer?

  Uh.

• 1:18:05Speaker 03

  I don't.

• 1:18:05Caleb Hammer?

  She got her nails done and then she got some bullshit.

• 1:18:08Speaker 04

  Is nails done not bullshit?

• 1:18:10Caleb Hammer?

  It is. They're both bullshit. It's stupid.

• 1:18:13Speaker 04

  You, she gets them done and eats them off.

• 1:18:16Speaker 03

  I don't eat them off.

• 1:18:17Caleb Hammer?

  There was nothing there.

• 1:18:18Speaker 03

  I had to take up, exactly. Because I'm not getting them done anymore. I had, I had to.

• 1:18:21Caleb Hammer?

  You shouldn't. You can't.

• 1:18:23Speaker 03

  But now I'm not, because especially can't afford it.

• 1:18:26Speaker 04

  Well, I buy shit and it gets played.

• 1:18:28Caleb Hammer?

  You guys are in an emergency mode. You are. Sam's Caleb Synchrony card.

• 1:18:36Caleb Hammer?

  11 years to pay off. Why? Well, because the balance is $1,948.69 with a minimum. You're over the limit. See what I mean that you're approaching? You're not gonna make it till next year. What are you talking about?

• 1:18:47Speaker 04

  Honestly, I don't know how they got over the limit.

• 1:18:48Caleb Hammer?

  We have great services at Calebhammer.com. That I wish you could take advantage of, but it's not for you. You could use the car insurance one, obviously, but we have personal loans and shit. That's incredible. But not for you guys, because you'll, every time you get access to more money, you spend it. And this is proof. You shouldn't have it. It's for people like me, not for people like you. So you cannot open more credit cards to get to the end of next year. And I know that's what you're gonna do. Instead, you need to accept that you're in a bad situation and cut down on spending. That's what you really need to do. Minimum monthly payment sixty-eight dollars.

• 1:19:18Speaker 04

  I tried to get a, a personal loan through your website, but I was trying to get it to consolidate debt.

• 1:19:24Caleb Hammer?

  And you shouldn't, because you haven't taken control of your spending. You said you're trying to make it to next year. That is not the person who can consolidate debt. You'll get in double the debt.

• 1:19:32Speaker 04

  I don't have enough income to do.

• 1:19:34Caleb Hammer?

  Good. I'm glad you didn't get approved. Good. It's, I've always.

• 1:19:37Speaker 04

  I got approved. Your interest rate was just too damn high. It's like.

• 1:19:40Caleb Hammer?

  Probably because you have a shitty personal loan then. That's because.

• 1:19:42Speaker 04

  I don't have any, I got the personal loans.

• 1:19:44Caleb Hammer?

  That's it, man. There's personal loans that are good, and it's for people like me. I've always said this in every single plug. I want to create financial services for people out there like me, like people out there. I've taken their survey. Most of them are doing okay. You are not. I've said in every single plug, you shouldn't do it. Why are you doing it then? Why won't you listen to me?

• 1:20:04Speaker 04

  Just don't get enough money.

• 1:20:06Caleb Hammer?

  No, it's because you're looking for more debt to be able to spend.

• 1:20:09Speaker 03

  Whenever I did have a job and I was working full-time and he was paying off debt, I feel like he never spent any money.

• 1:20:15Speaker 04

  No, I didn't because I was paying off debt like.

• 1:20:16Speaker 03

  But now.

• 1:20:17Caleb Hammer?

  Now you're spending all the money. You're gonna go to it all up.

• 1:20:19Speaker 03

  No money. Spending everything.

• 1:20:20Caleb Hammer?

  So why spend then? Why do we spend when we have no money?

• 1:20:23Speaker 04

  Because I'm in, I mean, yeah, that's up, but I'm not gonna just, I can't go.

• 1:20:27Caleb Hammer?

  Yes, you can.

• 1:20:28Speaker 04

  What's, what's the other dude that does financial?

• 1:20:30Caleb Hammer?

  Ramsey?

• 1:20:30Speaker 04

  Yeah, I'm not, I'm not going to beans and rice.

• 1:20:33Caleb Hammer?

  Yes, you should.

• 1:20:34Speaker 04

  I mean, should, yeah, not, yeah.

• 1:20:36Caleb Hammer?

  Well, then what, what are we talking about then? If you're not gonna sacrifice anything, go fuck yourself.

• 1:20:39Speaker 04

  I'm, I want to sell a car that's like my dream car. I'm cool with sacrifice, but I'm not.

• 1:20:43Caleb Hammer?

  But not sacrifice enough to actually get you there.

• 1:20:45Speaker 04

  But my son won't notice a car gone, but he gonna notice if he can't have no more toys. He's got to eat beans and rice. Yeah, he's three.

• 1:20:50Caleb Hammer?

  He has a lot of kids. He's ready for.

• 1:20:53Speaker 04

  I got a twelve-year-old.

• 1:20:53Caleb Hammer?

  If you just go through life, and if you have any kind of discipline for the kid, if you have any kind of parenting abilities, you can get them through it. My parents did. You can. I'm fine.

• 1:21:05Speaker 04

  I thought you came from middle class.

• 1:21:06Caleb Hammer?

  No.

• 1:21:07Speaker 04

  No, I say so.

• 1:21:08Caleb Hammer?

  No, you're not either. No, no, no. Born poor, mostly came up lower middle class. My parents are certainly middle class, maybe upper middle class now, but not during my youth. That's just because she went back to nursing school. That was really good. But again, that was like, by the time she completed that, I was in early high school, so I didn't reap the benefits of it. And my dad's been successful now, but that was only after I went to college, so.

• 1:21:27Speaker 04

  So that's where I feel fucked up, because I feel like we went from middle class, damn near pretty, probably upper middle class, down to lower class, and it's hard to make that transition of like.

• 1:21:35Caleb Hammer?

  Guys, I'm sorry. Not going and going out to eat every single day multiple times is not lower middle class. Cutting that back is not all of a sudden lower. You wouldn't know lower middle class. Come on. Lower middle class is your utilities get cut off, foreclosure notices on the house. You not being able to get a corn dog every day is not lower middle class. Shut up. You're privileged. You're acting like a American. Six thousand seven hundred and sixty-eight dollars on this synchrony card. Minimum payment made one forty-six. Takes four years to pay off. Who even knows what it was for? Okay. Oh my gosh, there's so much here!

• 1:22:10Speaker 04

  Damn, I just think, I don't.

• 1:22:11Caleb Hammer?

  It was for your HVAC. See, if you're able to get HVAC, you're not lower middle class. Shut the fuck up.

• 1:22:15Speaker 03

  Wait, what is that?

• 1:22:16Speaker 04

  We live with no HVAC for six months.

• 1:22:18Caleb Hammer?

  And that's horrible. That sucks.

• 1:22:19Speaker 04

  It was, huh?

• 1:22:20Caleb Hammer?

  Two thousand two hundred and thirty-six dollars is your.

• 1:22:24Speaker 03

  Apple card.

• 1:22:25Speaker 04

  Oh, because I paid that off to zero and I said, don't use it.

• 1:22:29Caleb Hammer?

  Exactly, because neither of you can do this, which means both of you need to do it together. Go through our Master Your Money program, learn budgeting, learn debt. You guys are. Two thousand two hundred and thirty-six dollars and thirty-four cents.

• 1:22:40Speaker 03

  Yeah, my Apple card gets a little crazy because I, I forget.

• 1:22:43Caleb Hammer?

  Seventy-two dollars your minimum. Put your debit card on your Apple Pay.

• 1:22:48Speaker 04

  What I've said.

• 1:22:48Speaker 03

  And then I did that, but one day my debit card got denied.

• 1:22:52Caleb Hammer?

  Then you shouldn't be spending money.

• 1:22:54Speaker 03

  Well, I know.

• 1:22:55Caleb Hammer?

  Vanelle, the hollow's gate.

• 1:22:58Speaker 04

  That's on some weird crystal shit.

• 1:23:00Caleb Hammer?

  Seventy-three dollars. What are you doing?

• 1:23:02Speaker 03

  I bought like a tarot deck and.

• 1:23:05Caleb Hammer?

  Stop. This is pathetic. It's bullshit.

• 1:23:07Speaker 03

  I don't do that. That's, if you go through my statements, I do not spend money.

• 1:23:11Caleb Hammer?

  I'm sorry. This was literally less than a month ago. Like, shut up. You can't, guys, you can't do, you can't not misbehave for the two weeks knowing you're coming on financial audit.

• 1:23:22Speaker 04

  Oh shit.

• 1:23:22Caleb Hammer?

  And say your entire life changed. Like, shut the fuck up. This is what you just did as you were applying. So shut up. Just stop. Just stop. This is a cope. This is a cope. You knew in the last two weeks that you were gonna be on, so shut up.

• 1:23:35Speaker 03

  Okay, and when did I buy that?

• 1:23:36Caleb Hammer?

  Voodoo. I'll tell you exactly what you bought less than two weeks ago, uh, weeks ago. Voodoo, Fandango, Jack in the Box, McDonald's, Voodoo Fandango.

• 1:23:45Speaker 04

  I rented a movie.

• 1:23:45Caleb Hammer?

  So that's what you did. You. So shut up. This is cope. You're giving me cope.

• 1:23:51Speaker 03

  I don't even know. What does that mean? I've never heard that.

• 1:23:53Caleb Hammer?

  Hope?

• 1:23:54Speaker 03

  Yeah, like a coping mechanism? Coping mechanism?

• 1:23:57Caleb Hammer?

  What did you call it? A coping mechanism? Oh, synchrony Amazon card. Looks like it's his. You guys, fuck, he's spending money. Uh, no, he's not. My interest is occurring. Shut the fuck up. What? You were spending thousands on the other car. Shut up.

• 1:24:10Speaker 04

  I gotta live. What do you mean?

• 1:24:12Caleb Hammer?

  Is that what you were telling her when she was trying to kick you off? I gotta live, woman.

• 1:24:17Speaker 04

  I don't know what I said.

• 1:24:18Caleb Hammer?

  Six twenty-one fifty-seven.

• 1:24:21Caleb Hammer?

  You were confused.

• 1:24:22Speaker 04

  Because I thought she.

• 1:24:23Speaker 03

  Yeah, he thought me kicking him.

• 1:24:26Caleb Hammer?

  Go jerk off in the bathroom.

• 1:24:29Speaker 04

  Yeah, I had sights twenty-two.

• 1:24:31Caleb Hammer?

  I mean, come on. The fact that you made it to finishing is kind of wild.

• 1:24:33Speaker 03

  I literally kicked him.

• 1:24:35Caleb Hammer?

  Where did he finish?

• 1:24:35Speaker 03

  Finishing. I kicked him off of me, launched his ass to the end of the bed, and while he was rolling backwards, he finished.

• 1:24:42Caleb Hammer?

  That's crazy.

• 1:24:42Speaker 03

  Yeah, that's crazy.

• 1:24:44Caleb Hammer?

  He's into it though. You have an Apple card too, and you have hundreds of dollars.

• 1:24:47Speaker 04

  No, no, no, no, no.

• 1:24:50Speaker 04

  Oh, she must be spinning on it. I don't even have an iPhone.

• 1:24:53Speaker 03

  That's not.

• 1:24:54Caleb Hammer?

  Matter?

• 1:24:54Speaker 04

  I'm not spinning on a card. I don't have a.

• 1:24:56Caleb Hammer?

  Three hundred and fifty-nine dollars and thirty-nine cents. It's a physical card too, dude. Fifty dollars. You could have spent it previously.

• 1:25:02Speaker 04

  Yeah, it's probably previous. I keep physical cards in the closet. Splendies.

• 1:25:06Caleb Hammer?

  Your T-Mobile bill and Roku.

• 1:25:08Speaker 04

  That's panties for her.

• 1:25:09Caleb Hammer?

  Subscriptions.

• 1:25:10Speaker 04

  Yes. I buy stuff for her.

• 1:25:12Caleb Hammer?

  Also, you just got rid of your iPhone. So like, over again. PayPal.

• 1:25:20Caleb Hammer?

  Okay, yo, just sixty-seven dollars and one cent, dude. Just like pay that off. Uh, the minimum is, uh.

• 1:25:28Speaker 04

  Like thirty or something. I'll pay it off. I don't even care what the minimum.

• 1:25:33Caleb Hammer?

  Your past due.

• 1:25:34Speaker 04

  Huh?

• 1:25:35Caleb Hammer?

  It's forty dollars. It's due. Past due asshole.

• 1:25:39Speaker 04

  It must be.

• 1:25:41Caleb Hammer?

  And a late fee added.

• 1:25:42Speaker 03

  Amount past due.

• 1:25:44Speaker 04

  I have a, my seven dollars past due.

• 1:25:46Caleb Hammer?

  Oh my gosh, AT&T collections.

• 1:25:48Speaker 04

  That's her.

• 1:25:48Speaker 03

  Oh, okay. Hold on, hold on, hold on. I have disputed this multiple times.

• 1:25:52Caleb Hammer?

  I don't care. It's on there.

• 1:25:55Speaker 03

  Shouldn't be.

• 1:25:57Caleb Hammer?

  Okay, mortgage. Hundred and eighteen thousand eight hundred and sixty-five. I guess it's not that a higher cost of living area, like I said earlier. Place is cheap.

• 1:26:04Speaker 04

  Not six years ago.

• 1:26:05Speaker 03

  It is a higher cost. We just got a cheap house.

• 1:26:08Caleb Hammer?

  You got a good place. Um, okay, what's the interest? Four percent? That's wonderful. What's the minimum of the payment? One thousand seventy-seven dollars and seventy-two cents. You have one hundred and eighteen thousand eight hundred and sixty-five. Oh my gosh. Okay, student loans.

• 1:26:23Speaker 03

  Yeah, those, I'm just paying the interest on those.

• 1:26:27Caleb Hammer?

  Yeah. So what's that payment?

• 1:26:29Speaker 03

  One is thirty-two dollars and one is twenty-five. The twenty-five dollar one is a set amount. I have to change it, so I have to go back in there and then.

• 1:26:37Caleb Hammer?

  I'll put it for fifty-seven for now. Your student loans are twenty-one thousand five hundred and thirty-nine dollars and forty-seven cents. I don't think you have to pay the interest, but I'm not opposed to you doing it.

• 1:26:50Speaker 04

  That's what I was gonna ask you. Uh, so if, are those good payments to even go in towards the balance at all, or is this just straight interest?

• 1:26:57Caleb Hammer?

  The interest, but with it being six point three nine percent, I'm not opposed to her doing it, especially since it's not a make or break for your budget. You can pull it back if you want to for being aggressive, because there are higher interest rates in your debt. But I'm not freaking out. Okay. Already looked at your student loans.

• 1:27:20Caleb Hammer?

  Okay, this Navy Federal, is this one I already went through? Four thousand eight hundred and ninety-five?

• 1:27:23Speaker 04

  No, that's hers.

• 1:27:25Caleb Hammer?

  Well, I already, I went through hers too, though. Is this an additional Navy Federal?

• 1:27:28Speaker 04

  Done hers.

• 1:27:29Caleb Hammer?

  Yeah, I did. I went through two of her Navies.

• 1:27:32Speaker 04

  She's got three.

• 1:27:32Speaker 03

  No, there should be one that's like.

• 1:27:34Caleb Hammer?

  An additional?

• 1:27:35Speaker 03

  No, that should be one of those.

• 1:27:36Caleb Hammer?

  Okay.

• 1:27:37Speaker 04

  You got more than?

• 1:27:38Speaker 03

  No, I should only have two linkeys.

• 1:27:41Caleb Hammer?

  Well, we already did that.

• 1:27:41Speaker 04

  I'm trying to tell you.

• 1:27:42Caleb Hammer?

  So this Navy is, well, we've already done that. Okay.

• 1:27:45Speaker 04

  So it ain't that through. Not that bad off.

• 1:27:49Caleb Hammer?

  Well, you have Navy Federal car loans. Is that those?

• 1:27:52Speaker 04

  I got one, yeah. Most of them are paid off.

• 1:27:55Caleb Hammer?

  Uh.

• 1:27:58Caleb Hammer?

  Okay, three thousand five hundred and ninety. Does that sound like one of them?

• 1:28:01Speaker 04

  You said three thousand?

• 1:28:03Caleb Hammer?

  Five hundred and ninety? I'll say this Navy Federal.

• 1:28:05Speaker 04

  That sounds like a credit card. My truck should have like six thousand.

• 1:28:10Caleb Hammer?

  Is this Navy Federal student loan?

• 1:28:12Speaker 03

  Yeah, I.

• 1:28:13Speaker 04

  You're all Navy Federal.

• 1:28:13Speaker 03

  I got my student loans through Navy Federal.

• 1:28:15Caleb Hammer?

  Oh, this is an additional student loan. This is like a private student loan. Not federal.

• 1:28:19Speaker 03

  No, the student loans on here, oh, wait a minute. Were these the Mohila ones?

• 1:28:24Caleb Hammer?

  Yes.

• 1:28:25Speaker 03

  Okay, so yes, I have two private student loans.

• 1:28:27Caleb Hammer?

  Oh my gosh.

• 1:28:29Speaker 03

  Which I, and I have to get more until next year.

• 1:28:32Speaker 04

  Yep, my co-sign.

• 1:28:33Caleb Hammer?

  Great. Or you could cash flow it mostly with how much money you're spending on bullshit. So four thousand eight hundred and ninety-five dollars and it's twenty-five bucks a month. And then whatever this other one is, which I think might also be student, probably, is three thousand five hundred and ninety dollars. Great. So we're in the world of getting private student loans now. Thirty-one dollars a month there.

• 1:28:56Caleb Hammer?

  What a fucking joke, guys. Okay, Navy Federal. Now I'm back to Mohila. Okay.

• 1:29:03Speaker 03

  The Mohila's I don't have to pay on until I graduate.

• 1:29:07Caleb Hammer?

  You're just doing interest, right? Or is that the one you were talking about earlier? That was the one you were talking about earlier.

• 1:29:11Speaker 03

  My private ones.

• 1:29:11Caleb Hammer?

  So I'm stopping that. Okay, got it. Um, financial aid? Oh, him!

• 1:29:17Speaker 04

  I got students.

• 1:29:18Caleb Hammer?

  You already owe. You owe twenty-seven thousand two hundred and seventy-six. You're in school right now.

• 1:29:23Speaker 04

  I am in school and work, yeah.

• 1:29:24Caleb Hammer?

  You guys are borrowing everything.

• 1:29:25Speaker 03

  Literally.

• 1:29:26Caleb Hammer?

  Okay, well, no payments yet, but.

• 1:29:28Speaker 03

  Probably.

• 1:29:30Caleb Hammer?

  Will be.

• 1:29:31Speaker 03

  Gonna jump.

• 1:29:32Caleb Hammer?

  So this, you have private student loans as well, dude.

• 1:29:35Speaker 04

  Yeah, Navy Federal.

• 1:29:36Caleb Hammer?

  Huh?

• 1:29:37Speaker 04

  Navy Federal.

• 1:29:39Caleb Hammer?

  What do you owe on that a month? One thousand four hundred and fourteen dollars, sixty-five cents.

• 1:29:42Speaker 04

  Probably like twenty-five dollars.

• 1:29:44Caleb Hammer?

  This is insane. Guys, this is insane.

• 1:29:51Caleb Hammer?

  My gosh, okay, more debt. This is like, it won't stop.

• 1:29:55Speaker 04

  I mean, we're

• 1:29:58Speaker 03

  That's why

• 1:29:59Caleb Hammer?

  No, you're literally not. You're spending so much on bullshit. Do not use the word try with me. Someone's car. And no, you're not.

• 1:30:06Speaker 03

  Yes, I am.

• 1:30:07Caleb Hammer?

  You were spending on bullshit too. You're trying the last two weeks. I will never allow that in the show. Yes, I have your account from less than a month ago, so shut up.

• 1:30:15Speaker 03

  I mean, yes, I have silly

• 1:30:16Caleb Hammer?

  Shut up!

• 1:30:17Speaker 03

  But I'm not spending hundreds of dollars a year.

• 1:30:20Caleb Hammer?

  You're done. Any amount of money, it's still not trying. Shut up.

• 1:30:24Speaker 03

  I, I'm paying

• 1:30:25Caleb Hammer?

  Shut up, shut up. 6.29% on this car. What car is this? It's $6,113.

• 1:30:31Speaker 04

  It's a 2011 Tundra.

• 1:30:32Caleb Hammer?

  And is this the one that just stopped?

• 1:30:34Speaker 03

  No.

• 1:30:34Speaker 04

  Yeah, it's getting a new motor like this week.

• 1:30:36Caleb Hammer?

  Good. You spent double the balance you owe on this, right?

• 1:30:39Speaker 04

  It's a good truck.

• 1:30:40Caleb Hammer?

  Is it?

• 1:30:42Speaker 04

  Yeah, now.

• 1:30:43Caleb Hammer?

  4,800. You just spent $6,000 to get a new motor?

• 1:30:45Speaker 04

  That's cap. You know damn good and well Toyota's, there ain't a, you couldn't find a burn up Toyota.

• 1:30:49Caleb Hammer?

  That's his KBB. I don't know, man.

• 1:30:51Speaker 04

  I know, but well.

• 1:30:52Caleb Hammer?

  $173.53 a month. The interest rate isn't the worst. Oh my gosh.

• 1:30:56Speaker 04

  What's up?

• 1:30:57Caleb Hammer?

  Other

• 1:31:00Caleb Hammer?

  Okay, is there's, there's another car with Navy Federal?

• 1:31:03Speaker 04

  No.

• 1:31:04Caleb Hammer?

  Right? 6,124?

• 1:31:06Speaker 04

  That's my own truck.

• 1:31:08Caleb Hammer?

  Okay, so that's just, yeah, that's on there. Oh my gosh. Finally through the debt. $5 in savings. Incredible. $67 in checking account. Corn dogs, bullshit. McDonald's, Netflix, corn dog, bullshit, corn dog, bullshit, corn, uh, maybe bullshit, trick to survive, I don't know. Corn dogs, Snapchat, we're paying for, we're getting our Snapchat. Come on!

• 1:31:34Speaker 04

  We got a streak.

• 1:31:35Caleb Hammer?

  Oh, you guys are so pathetic. Instead of taking care, your, care of your kid. Bullshit. Corn dog. Amazon. Corn dog. Golden Dragon. McDonald's. McDonald's. Maybe bullshit, definitely bullshit. Corn dog, corn dog. Playstation, bullshit. Nails again. Corn dog, corn dog. Bullshit. Corn dog. Snapchat again. Disney Plus, Sonic, bullshit. Corn dog, corn dog, Snapchat. Okay, guys, keep the streak up or don't. How many times are you gonna pay for this? My gosh. Playstation, corn dog, Playstation, say. Panda Express. What a, this is pathetic.

• 1:32:12Speaker 04

  I don't even like Panda Express.

• 1:32:13Caleb Hammer?

  Retirement, 1,749. You're incorrect for that.

• 1:32:16Speaker 03

  Okay, uh.

• 1:32:17Caleb Hammer?

  Panda Express is awesome.

• 1:32:18Speaker 04

  Ass.

• 1:32:18Caleb Hammer?

  So 118 in your acorns. Oh, his retirement, 42,000. I actually enjoy that. Wow.

• 1:32:26Speaker 04

  So the checking account I've spent since we've been down here and just to be fair, because we did spend quite a bit.

• 1:32:34Caleb Hammer?

  What are you telling me?

• 1:32:35Speaker 04

  Uh, well, the checking account balance is less than what, whatever it says on there. We've spent some money since we've been down here. We, we, we get tattoos when we go places, like where we ain't never been or do something we ain't never done. So we got tattoos yesterday.

• 1:32:47Speaker 03

  I got a bat.

• 1:32:48Speaker 04

  Literally landed one night Mexican and then left Mexican and we got tattoos.

• 1:32:51Speaker 03

  Look at it.

• 1:32:52Caleb Hammer?

  So you, again, you guys care more about your own things than your kids. Like I, I have no energy to give to that anymore. Yeah, congratulations. Okay, very good. Is that me?

• 1:33:01Speaker 03

  Yes.

• 1:33:02Speaker 04

  You could tell?

• 1:33:04Caleb Hammer?

  Is that permanent?

• 1:33:05Speaker 04

  I mean, it's a tattoo.

• 1:33:09Caleb Hammer?

  Oh, buddy.

• 1:33:12Caleb Hammer?

  Oh, buddy. What have you done?

• 1:33:15Speaker 04

  But does it look like you?

• 1:33:17Caleb Hammer?

  Uh, I mean, I could tell it was me, I guess.

• 1:33:19Speaker 04

  It looked kinda on it.

• 1:33:21Caleb Hammer?

  Um.

• 1:33:22Speaker 04

  Like with the glasses?

• 1:33:25Caleb Hammer?

  I wouldn't say so because of the beard.

• 1:33:28Speaker 04

  Well, I went to Walmart last night and I had two people ask me why I got a tattoo on my arm. I'm like, that's not a Caleb Hammer.

• 1:33:35Caleb Hammer?

  Okay, and what did they say?

• 1:33:37Speaker 04

  They're like, oh, okay.

• 1:33:39Caleb Hammer?

  Sick. Okay, listen buddy, if you did that, well, I'm not getting one of you back.

• 1:33:44Speaker 04

  Well, I wouldn't expect you to.

• 1:33:46Caleb Hammer?

  How'd you get one of me, man?

• 1:33:48Speaker 04

  Because, well, to be fair, you weren't my first choice. My first choice was a monster truck that said, good death.

• 1:33:53Caleb Hammer?

  That makes more sense.

• 1:33:54Speaker 04

  I couldn't afford a monster truck.

• 1:33:56Speaker 03

  And then the

• 1:33:56Caleb Hammer?

  Why'd you have to get a tattoo?

• 1:33:58Speaker 04

  Because this is memorable.

• 1:34:00Speaker 03

  It's, it's like

• 1:34:01Caleb Hammer?

  It is. There will be a video for you to

• 1:34:03Speaker 04

  Well, that's true.

• 1:34:04Caleb Hammer?

  Like permanently, online.

• 1:34:06Speaker 04

  Yeah, well, that was you permanently on my arm.

• 1:34:08Speaker 03

  Yeah, so now like when he's old and wrinkled and they're like, what is that, grandpappy? He's like, well, back when I was 30, I went on this show.

• 1:34:15Caleb Hammer?

  Shut the fuck up. I've gained weight since then. You made a mistake.

• 1:34:19Speaker 03

  Oh.

• 1:34:20Caleb Hammer?

  Let me out of here. This is gonna take me forever.

• 1:34:22Speaker 04

  There's a little double chin in there.

• 1:34:23Speaker 03

  Yeah.

• 1:34:23Speaker 04

  It's under the little beard.

• 1:34:25Caleb Hammer?

  Well, thanks to fat and fatter, we're getting to a triple.

• 1:34:28Speaker 04

  Hell, yeah.

• 1:34:32Caleb Hammer?

  Debt payments, not mortgage included, $2,263.53.

• 1:34:38Speaker 04

  Wait, that's a month, a minimum monthly?

• 1:34:40Caleb Hammer?

  Yeah. That's where you're at, dude. You won't stop spending, you pathetic worm. Including on me.

• 1:34:47Speaker 04

  Shit's not even funny. I'm like, he's not even funny.

• 1:34:49Caleb Hammer?

  No, it's not, but you're the one spending. 1,000

• 1:34:53Speaker 04

  Enough income.

• 1:34:55Caleb Hammer?

  I don't know what to do with you. $1,077.22 is your mortgage. Gas, uh, uh, like for the home. Gas, electricity, trash, sewer, water, internet, all of that combined. How much for utilities?

• 1:35:10Speaker 04

  Average, 260.

• 1:35:16Caleb Hammer?

  Okay. Vroom, vroom, drive, drive, gas. Both of you together, a month.

• 1:35:21Speaker 04

  Average 400.

• 1:35:25Caleb Hammer?

  Car insurance, how much?

• 1:35:28Speaker 04

  Altogether, 195-ish.

• 1:35:32Caleb Hammer?

  Not bad. Phone bill, how much?

• 1:35:34Speaker 03

  Oh, that's 150.

• 1:35:36Speaker 04

  Is it?

• 1:35:36Speaker 03

  No, it's 125. I got it to go down.

• 1:35:38Caleb Hammer?

  Okay, uh, groceries. I'm gonna do 900 hours meal prep, meal plan, warming up meals, but you're buying them, cooking a few times a week. Meal prep, meal prep. You guys are busy anyway. You should be working your asses off. TP fund, anything else for you and your kids to survive? $300. What that is changes every single month, but it's the basics. It's the necessities. Are there copays, medical on a monthly basis?

• 1:36:02Speaker 04

  No.

• 1:36:04Caleb Hammer?

  Is there a gym?

• 1:36:05Speaker 04

  Yeah, because we got prescriptions.

• 1:36:06Caleb Hammer?

  Okay, just how much then?

• 1:36:08Speaker 03

  Probably like

• 1:36:09Speaker 04

  50.

• 1:36:10Caleb Hammer?

  Is there a gym?

• 1:36:11Speaker 04

  No, we don't.

• 1:36:12Caleb Hammer?

  Yeah, what, what current pets are there?

• 1:36:14Speaker 04

  That

• 1:36:15Speaker 03

  We have three dogs, two cat, or one cat and two turkeys. So probably like, what, 200 and feed it per month?

• 1:36:22Speaker 04

  They'll go through one big bag roughly in a month.

• 1:36:25Caleb Hammer?

  For all pet supplies and shit, how much a month?

• 1:36:27Speaker 04

  60 plus, that's like

• 1:36:29Speaker 03

  I would say just 200.

• 1:36:31Speaker 04

  No, hell no. It's like 120, maybe.

• 1:36:33Caleb Hammer?

  Okay, I'll do 150. Meet you guys in the middle. Uh, okay, I mean, you have to get some pet insurance for the dogs and cat.

• 1:36:40Speaker 04

  Yeah, my mom sells pet insurance.

• 1:36:41Caleb Hammer?

  I'm gonna say $200. Oh, she pays for it?

• 1:36:44Speaker 03

  Well, we

• 1:36:45Speaker 04

  No, she sells pet insurance, but she said I shouldn't get it.

• 1:36:48Speaker 03

  Yeah, I mean

• 1:36:49Caleb Hammer?

  Well, then she shall sell shit pet insurance. It's saved my ass many times, let me tell you. If they get in trouble and their life shouldn't be dependent on you being shit.

• 1:36:57Speaker 04

  Yeah, true.

• 1:36:58Caleb Hammer?

  Um, okay, and, uh, your mother takes care of some other things. Well, she takes care of groceries. Do I cross that out?

• 1:37:06Speaker 04

  You can take three quarters of it out. You can put us on 300.

• 1:37:09Caleb Hammer?

  I'll put you on, okay, I'll put you on 300. Uh, so I don't have to do daycare and shit. Um, anything else that I need to put in this budget that I have not?

• 1:37:18Speaker 04

  You got the auto loan in there.

• 1:37:19Caleb Hammer?

  That's in the minimum monthly payments.

• 1:37:21Speaker 04

  Okay, then.

• 1:37:25Speaker 04

  I don't think so. No, I don't think that's all of them.

• 1:37:28Caleb Hammer?

  I'll try to give you subscriptions of 100 bucks. You choose where that goes. You need $5,420.75 to survive. Obviously, we don't make that. The reality is,

• 1:37:42Caleb Hammer?

  and that's with no bullshit spending, you need to make at minimum $2,500 a month to survive. So you need to go do that right now. You need to make sure you're doing that. If you hit that, then you can stop working for the rest of the month, but that's what you have to make net minimum. And then that's with all your income concluded. You guys are budgeting together. You're going through every statement together. You're plugging it all into dollars, which you guys get for free forever. You're seeing my therapist and I'll pay for that.

• 1:38:09Caleb Hammer?

  And then, once you finally graduate, yes, that'll help you. That's still the minimum you need to make when he takes more time to school. You need to make 5,000, 5,500 minimum to survive.

• 1:38:22Caleb Hammer?

  And once you graduate school, we're talking in a couple of years, then you can start hammering at the debt and it's gonna take maybe a couple of years. So with your strong income, maybe a few years, but you're gonna sell your cars, pay off some debt, but nothing matters until you change your behavior first. You don't survive. She doesn't make extra money until you change your behavior because it won't matter. It won't make a dent in anything. You won't survive if you still spend all this money. So she needs to make extra money, yes, but you need to reel in your behavior now. Your bullshit spending was a minimum like 2,000.

• 1:38:50Speaker 03

  Oh, my God.

• 1:38:51Caleb Hammer?

  Minimum 2,000. It was more So guys, it's crazy. Whether or not this relationship could be saved, I don't know. You need to go to therapy. You need a budget together and you need to get your shit together. You need to stop spending this money. You need to stop being abusive. You need to seek help. That's what we gotta do. So that's what we're doing at least until school finishes and then everything changes. So, but that's what I'll do for now because right now you're focused on survival. So let's focus on that. I'm gonna call his mom in the post show and get her opinion on what happened.

• 1:39:19Caleb Hammer?

  And we're gonna see. And you know, that's gonna be crazy. There's always, there's so much more we didn't talk about yet. Let's get your hammer financial score first, though. Spending in a budget, you overspend 0 out of 10 debt, selections 0 out of 10 emergency fund, there's nothing 0 out of 10 retirement. This is where there is. But for making up for you guys both together for your age, it's still only about a four out of 10. Real estate, what's your house worth?

• 1:39:38Speaker 04

  About 235.

• 1:39:40Caleb Hammer?

  Okay, real estate's really good. So loan, so it's technically a risk, but eight out of 10. It's basically as good as you can get until just the house is like fully paid off.

• 1:39:50Caleb Hammer?

  Which is fine. That's not a bad thing. So that's what saves you. Hammer financial score, 2.5 out of 10. Get yours at CalebHammer.com for free. Now join us in the financial audit post show, an extra 20 minutes of this episode. It's always juicy. It's always crazy. Three premium shows a part of Hammer Elite. Every single day, six days a week. It's incredible. That's why there's over 120,000 monthly active members. You can join on YouTube by clicking that join button or link below, or you can download the Hammer Elite app or go to HammerElite.com. It's the same on both platforms. Just want to give you more options. I'll see you in the post show. Well, let's see what your mom thinks. We wanted to call and they want your perspective on something. They told the story about a few weeks ago when, uh, what she said is she, uh, he

• 1:40:31Speaker 03

  No, I don't think so. I think, um And that's why I said I have no help.

• 1:40:37Caleb Hammer?

  I just launched the brand new Hammer Elite app available on every major platform. So you can watch every show anywhere you want. You'll get three exclusive dedicated shows every single day, Monday through Saturday. Refer a friend after you sign up and you get an additional 30 days of Hammer Elite access for free. Download the Hammer Elite app by using the link in the description or pin comment down below. This is the best membership you'll ever join and that's a promise. I want you to be on the next episode of Financial Audit right here in Austin, Texas. If you think you have interesting finances with an interesting personality or a story or a life or relationship, I will personally pay you to take time off of work, fly you down to Austin, get you personal transportation, a hotel, food, and we'll have a great time hanging out. Go to CalebHammer.com/apply or click that link in the description below.

• 1:41:23Speaker 05

  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.com. Not authorized by any candidate or candidate's committee.