Financial Audit's Most Toxic Wife

🚨Your driver's license may be one of the 153M just put up for sale on the dark web. 🚨 Know the second someone uses yours. 14 days free from my sponsor Aura: https://aura.com/hammer *CRAZIEST POST SHOW EVER* We call the woman he "kissed," and she tells the *whole truth*, which is crazier than you could ever imagine. You need to see this, plus AL week starts today! Watch post show here: https://hamr.link/4f4086 *OR* download the brand new Hammer Elite App ➡ https://hamr.link/8384fe (discounted annual) 🥪 Get 1 year of Dollarwise PLUS my NEW cookbook! Only 1,000 SIGNED copies available: https://dollarwise.com *AL WEEK HAS BEGUN* 🚨 A full week of chaos that you do NOT want to miss. FIND OUT if he has left the CREATURE once and for all. Sign up for Hammer Elite on YouTube https://hamr.link/b820d8 or the Hammer Elite App https://hamr.link/2480d8 to get access to it ALL. ============================= *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 👉 *CAR INSURANCE* Find and compare much better AND cheaper car insurance for free → https://hamr.link/ytautolion 👉 *DEBT RELIEF* Finally experience relief from your debt once and for all → https://shorturl.at/VbGPv 👉 *STUDENT LOAN REFINANCING* Student loans killing you? Get relief today → https://hamr.link/e7c428 👉 *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 👉 *BEST HIGH-YIELD SAVINGS* Find the best high rate for a savings account →: https://hamr.link/363e17 👉 *TOP CREDIT CARDS* Stop with the BS and get the best points on your purchases → https://hamr.link/b7a5fb ============================= 🔥 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* ============================= 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/72737... to submit a claim now. ============================= *Extra Resources* ============================= 👉 Checking & Savings: Get up to $350 and 3.75% APY on savings with Chime®: https://secure.moneymatchup.com/-caleb-chime-YT 👉 Land a high-paying job with no experience or degree: ➡ https://coursecareers.com/CalebHammer 👉 Protect your online privacy and security for free with Aura: ➡ https://aura.com/hammer ============================= *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 ============================= *Chapters* ============================= 00:00 Intro 01:28 Jobs & Income 08:12 shes projecting haaaaard 15:45 chat, who do we believe? 21:15 PHYSICAL AGGRESSION??? 23:45 bros rizzing girls on tiktok lmaaao 30:45 dealing with kids and barely working is so hard ;--; 34:10 divorce the guy paying the bills?? LMAO 42:40 the kids arent safe from her either.. 47:30 the audacity to turn off her location loool 53:20 her boss? is her boss the culprit? 01:01:25 he said WHAT 01:11:30 $15,000 is insane... 01:17:45 bros gonna get garnished!! 01:25:07 bullsh*t bullsh*t bullsh*t 01:29:02 Budget!! ============================= Want more content? ============================= 🍿 The Caleb Hammer Show: https://www.youtube.com/@calebhammershow 🍿 Caleb Hammer Top Videos https://www.youtube.com/@CalebHammerTopVideos 🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips 🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel ============================= *Connect with me!* ============================= TikTok: https://www.tiktok.com/@calebhammercomposer X: https://x.com/sircalebhammer IG: https://www.instagram.com/calebhammercomposer/ Facebook: https://www.facebook.com/calebhammercomposer/ ============================= *Want to be a guest on Financial Audit?* ============================= 👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply *Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. Business/General: [email protected] Sponsorships: [email protected] Learn more about your ad choices. Visit megaphone.fm/adchoices

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

• 0:00Speaker 00

  Five stocks to sell before the end of the week.

• 0:02Speaker 01

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• 0:07Speaker 02

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• 0:31Speaker 03

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• 0:56Speaker 04

  There's zero communication between either one of us. A couple of times, it got physically aggressive.

• 1:00Speaker 05

  I was also like blacked out drunk.

• 1:01Speaker 04

  She wants to blame it on that.

• 1:03Caleb Hammer?

  You told her during sex, if you don't want me to [BLEEP] your friend, [BLEEP] me better than your friend could.

• 1:08Speaker 04

  I'm thinking she's [BLEEP] crazy.

• 1:09Speaker 05

  Crazy?

• 1:10Caleb Hammer?

  Yes, I think you're pulling shit out of thin air.

• 1:12Speaker 05

  I'm definitely not pulling shit out of [BLEEP] thin air. If anyone's crazy, it's you that's [BLEEP] crazy.

• 1:17Caleb Hammer?

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• 1:44Caleb 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 calebhammer.com/apply or click that link in the description below.

• 2:05Speaker 05

  Hi, I'm Elena. I'm 31 years old.

• 2:08Speaker 04

  I'm Damon. I'm 24 years old. We're from Midland, Texas.

• 2:11Speaker 05

  And this is Financial Audit.

• 2:14Caleb Hammer?

  Midland, Texas. That's a place I wouldn't wish on my worst nightmare, but I appreciate you guys. Appreciate you guys coming over to the better side of Texas, to Austin. Elena, what do you do over there in Midland? I mean, both of you, it's like oil. Oil or servicing the town is pretty much all there is. What do you do?

• 2:31Speaker 05

  I'm a night auditor at a hotel.

• 2:35Caleb Hammer?

  Okay, I guess some people go there for hotel. Mostly just [BLEEP] I assume. Night auditor, what do they make? We had an auditor on the show for hotel a couple of years ago. They made decent money. What do you make?

• 2:48Speaker 05

  I make $16.50 an hour.

• 2:49Caleb Hammer?

  And that's like what, not what I would consider decent money. Midland isn't like, well, actually, no, those oil towns, they go through weird cost of living phases. So I actually don't even know what this.

• 3:01Speaker 04

  Anything oil-related, you're gonna be making good money.

• 3:03Caleb Hammer?

  Of course, oil-related. I'm talking about cost of living.

• 3:05Speaker 04

  Outside of that, we're not making crap.

• 3:07Caleb Hammer?

  No, I'm talking about cost of living for the area, not income, so to speak. How much does that come down to per paycheck cycle? And what is the per paycheck cycle?

• 3:15Speaker 05

  Um, so I am working only two to three days a week.

• 3:20Caleb Hammer?

  Okay, well, that's fine. Nurses do, but they work 40 hours. How many hours a week are you working is my question.

• 3:24Speaker 05

  So I would say I make about 16 hours a week.

• 3:31Speaker 05

  Yeah.

• 3:31Caleb Hammer?

  You better bring in some good [BLEEP] money. Why? I mean, okay, actually, maybe that's okay. It's context-dependent, right? Maybe dude's killing it. So what does that come out to per paycheck cycle? And what is that per paycheck cycle?

• 3:44Speaker 05

  300 every two weeks.

• 3:49Caleb Hammer?

  Damon, oh, friend.

• 3:54Caleb Hammer?

  What do you do to make a really good amount of money?

• 3:57Speaker 04

  So I'm a maintenance for the apartment complex.

• 4:02Speaker 04

  I'm pulling in about 20 an hour doing 42, 45 hours a week.

• 4:07Caleb Hammer?

  You gotta, yeah.

• 4:08Speaker 04

  I get paid weekly.

• 4:09Caleb Hammer?

  As much as you can. And what is that weekly?

• 4:12Speaker 04

  The highest I've gone it up to, because I'm also getting paid gas. They pay me whenever I'm traveling for anything like that.

• 4:18Caleb Hammer?

  What do you get paid weekly, average?

• 4:20Speaker 04

  Oh.

• 4:21Caleb Hammer?

  Damon, this is the easy part of the show. This is the easy part of the show. This is where we start, and it's a very basic question. This is the easy part of the show. It only gets more complicated in the hard from here.

• 4:29Speaker 04

  800 on the high end, 750 for the low end. Lowest I've ever seen.

• 4:33Caleb Hammer?

  775, should we say?

• 4:36Speaker 04

  775.

• 4:38Caleb Hammer?

  775. 752 divided by 12, averaging 3,358. Yeah?

• 4:47Speaker 04

  Yeah, somewhere like that. Yeah, monthly, monthly, I'm pulling in the 3,000 up to 33.

• 4:55Caleb Hammer?

  That doesn't make sense. Averaging out is above 33.

• 5:01Caleb Hammer?

  What's wrong with you?

• 5:02Speaker 05

  Nothing.

• 5:04Caleb Hammer?

  Do I do 3150 a month?

• 5:08Speaker 04

  So I'm just kind of spitballing numbers here.

• 5:10Caleb Hammer?

  Oh, well, that's good. That's easy to budget off of spitballing numbers. Haha, you are the one that makes the money for the household. She doesn't make shit.

• 5:19Speaker 05

  I also do DoorDash as well.

• 5:21Speaker 04

  You're losing more money than you're making on DoorDash.

• 5:24Caleb Hammer?

  Huh?

• 5:24Speaker 04

  I said she's losing more money than she's making on DoorDash.

• 5:26Caleb Hammer?

  Why would she be doing that?

• 5:28Speaker 04

  Because the gas prices up. I don't know. She's the one that has the car and the keys.

• 5:32Caleb Hammer?

  You guys don't talk about decisions for the household?

• 5:36Speaker 04

  It's not so much that we don't talk. It's that I will say, no, please don't do that. And then she'll go anyways.

• 5:41Caleb Hammer?

  Is that a passion?

• 5:42Speaker 05

  It's not a passion. It's, I do it just so we can get diapers.

• 5:47Caleb Hammer?

  Can you get diapers with that, though, with the cost of gas? Like he said, he said you're losing money. Does he know? Is he not a knowledgeable person? Does he not know what's happening? Maybe he doesn't.

• 5:55Speaker 05

  No, he does know.

• 5:57Caleb Hammer?

  Oh, so you're doing it and losing money?

• 5:59Speaker 05

  Yeah.

• 6:00Speaker 04

  So she'll leave the house.

• 6:00Caleb Hammer?

  So that's anti-dapers.

• 6:02Speaker 04

  Half.

• 6:02Caleb Hammer?

  That is preventing us from getting diapers.

• 6:04Speaker 05

  Yeah, because it usually goes straight into the gas.

• 6:09Caleb Hammer?

  So, potential conclusion, stop?

• 6:14Speaker 04

  I've been telling her the same thing. Because at this point, at this point, like I will go to work. We'll have half a tank, somewhere around there. She'll pick me up at the end of work. And then it's either the lights on or we're at a quarter of a tank, if I'm lucky. But this is like beginning of the week, too.

• 6:31Caleb Hammer?

  Okay, why isn't she stopping?

• 6:33Speaker 04

  I've been telling her not to. Every now and then, she'll come out and be like, yeah, I made 10 bucks. It's like, go put it back in the tank. Because that's exactly where it came from at that point.

• 6:41Caleb Hammer?

  Why aren't you listening?

• 6:44Caleb Hammer?

  You're in the household. You can make decisions.

• 6:46Speaker 05

  Um, so I, I do it just because, I mean, I try to make money.

• 6:51Caleb Hammer?

  You don't.

• 6:52Speaker 05

  It's just.

• 6:53Caleb Hammer?

  No, no, no, you don't. We've learned you don't.

• 6:56Speaker 05

  Yeah.

• 6:57Caleb Hammer?

  He says you don't. You agree that he is correct that you don't. And then you do it anyway?

• 7:03Speaker 05

  I do, yes.

• 7:05Caleb Hammer?

  Why? Is that a response? Is that a response?

• 7:10Speaker 05

  So he also does certain things as well.

• 7:14Caleb Hammer?

  What? Okay, very good. That doesn't answer my question. We can get into that, but I don't understand why you're.

• 7:20Speaker 04

  Oh, I just have my hand up here.

• 7:22Caleb Hammer?

  What are you?

• 7:23Speaker 04

  What are you talking about?

• 7:25Caleb Hammer?

  It's like literally 50% downs, or there's some Asian in there. I'm very confused.

• 7:29Speaker 04

  Where are you getting Asian downs from?

• 7:32Caleb Hammer?

  I don't know. You have like a Mushu thing going on.

• 7:34Speaker 04

  Aren't you like the same thing going on?

• 7:36Caleb Hammer?

  What?

• 7:37Speaker 04

  You look the same way. Take the glasses off, same thing.

• 7:41Caleb Hammer?

  Do I not trim this mustache?

• 7:43Speaker 04

  You said downs and all that, so I thought that's what you were leaning for.

• 7:50Caleb Hammer?

  I'm not gonna get an answer out of you, am I?

• 7:53Speaker 04

  Probably not. I've gotten an answer at home.

• 7:55Caleb Hammer?

  Why do you suck at talking?

• 7:58Speaker 05

  I, I don't know.

• 8:00Speaker 04

  It's because she's a little.

• 8:00Caleb Hammer?

  Incredible response.

• 8:01Speaker 04

  It's because she's a bit too sober right now.

• 8:03Caleb Hammer?

  She's a DoorDash-er, and she's not sober?

• 8:06Speaker 04

  No, I'm not saying that. It's that all of her energy usually comes out anytime we're drinking or hanging out with friends.

• 8:12Caleb Hammer?

  Oh, that's really good, because I believe I saw [BLEEP] kids in my office this morning.

• 8:15Speaker 04

  Like I was saying, anytime I get a back and forth answer from her, it's usually like a couple beers in or something like that.

• 8:21Caleb Hammer?

  Okay, so you say he does stuff. What does he do? Because you're obviously bringing down this household by losing money, wasting your time instead of going and just working 40 hours a week or getting a better job. Okay, so you're [BLEEP] house. Your defense, when I said, don't do that, is, well, he does bad stuff, too. What is it?

• 8:38Speaker 05

  So his uncle will call him and tell him like, hey, I need help. Can you come help me? And he says, yeah, sure. His uncle doesn't pay him.

• 8:50Caleb Hammer?

  But bro brings in 3,000 hours a month. Who cares? He brings in 3,000, you bring in 600. And then you lose more on top of that. He helps his uncle? He helps his family member? That's our critique, is helping family?

• 9:06Speaker 05

  No.

• 9:07Caleb Hammer?

  Then, no, that was your critique.

• 9:11Speaker 04

  I feel like she's just kind of pushing some of the blame on me. I feel like the whole reason

• 9:15Caleb Hammer?

  Oh, no, she was just trying to push him blame on you. She took valid criticism against her. She's like, well, he's doing bad things too. And the bad things that he is doing is helping family.

• 9:28Caleb Hammer?

  Would you like to expand on that? Let's try to have her answer a question. Thank you, guy.

• 9:32Speaker 05

  So it's not more of helping family too, but he does go like to the smoke shop. He buys like four or five cans of zen at a time.

• 9:42Speaker 04

  I'll also buy you a couple of vapes whenever I'm down there.

• 9:44Caleb Hammer?

  And how many packs do you go through a smoker? Really?

• 9:48Speaker 05

  I

• 9:49Caleb Hammer?

  You smell like cigs in your coffin.

• 9:50Speaker 05

  I don't smoke. I vape.

• 9:52Caleb Hammer?

  Yeah, you do. I'll, a little thing. You were sitting in a car in front of our office. We all looked down and you were taking about 30 rips.

• 10:00Speaker 05

  Yeah.

• 10:00Caleb Hammer?

  In the car.

• 10:01Speaker 05

  It's a vape.

• 10:02Caleb Hammer?

  That our kids are in.

• 10:03Speaker 05

  It's a vape.

• 10:04Caleb Hammer?

  Yeah, so it's a vape. That makes it good for you and cheap.

• 10:08Speaker 05

  No, it does not.

• 10:09Caleb Hammer?

  So what's your criticism? Ah, he gets zens and I spend the same amount of money vaping.

• 10:13Speaker 05

  I only smoke whenever I'm going through like a lot of stress, but it's not in every day.

• 10:18Caleb Hammer?

  Clearly you are now because you can't answer questions. You're trying to say he's bad for doing the very same thing you do. And he's trying to, you're trying to say he's bad because he helps family. Is there, is there a valid critique in here somewhere?

• 10:30Speaker 05

  No. So.

• 10:33Caleb Hammer?

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• 12:01Caleb Hammer?

  Okay, so she is the fucking problem. Why are we here? What are we talking about?

• 12:05Speaker 04

  Cause my, my crazy ass wife just kind of fucked over and moved us down the middle in for a job that didn't actually exist.

• 12:11Speaker 05

  Like you, I.

• 12:13Speaker 04

  You, you, you ended up going to a place that didn't exist. I mean, the company's there, yeah, but the job that was offered wasn't real. It was, it was supposed to be close to $120,000 yearly.

• 12:25Caleb Hammer?

  To work at this hotel for a job like that?

• 12:26Speaker 04

  No, no, no, not the hotel. She left the hotel luckily. It was one of those rent-to-own furniture stores.

• 12:32Caleb Hammer?

  What? Why was she gonna make 120,000 hours a year doing that?

• 12:36Speaker 04

  Well, because that's what the GM makes and that's what the magic number was supposed to be.

• 12:39Caleb Hammer?

  Was she gonna be the GM?

• 12:40Speaker 04

  AGM, assistant GM, not AG.

• 12:42Caleb Hammer?

  Uh, assistant to the person making 120,000 hours. Usually doesn't make 120,000 hours.

• 12:46Speaker 07

  Assistant to the regional manager. Same thing. No, it's not. It's lower. So it's close.

• 12:52Speaker 05

  Hey, so she did.

• 12:53Caleb Hammer?

  Where were you guys? Where'd you live?

• 12:54Speaker 04

  We lived in, it's Copper's Cove. It's like, it's Austin area.

• 12:59Caleb Hammer?

  Oh, okay. So you lived in civilization and someone convinced you to move to Midland?

• 13:03Speaker 05

  Yes.

• 13:04Caleb Hammer?

  Because there, how many kids were there? There were kids. Again, there were kids out there.

• 13:07Speaker 04

  So we have her oldest and then we adopted the kid. Yeah, yeah. Stepped out to the oldest.

• 13:12Caleb Hammer?

  Okay. What are the ages?

• 13:13Speaker 05

  12, two and one.

• 13:15Caleb Hammer?

  Oh, okay.

• 13:17Speaker 04

  So we adopted the two-year-old whenever we first got together. The first time we lived in Midland because we actually got out of that shithole. And then this magic woman with this fake job called in. It was like, hey, I got this offer.

• 13:29Caleb Hammer?

  What, you get a random Facebook DM?

• 13:32Speaker 05

  So the GM at the furniture store, she was like my best friend. Um.

• 13:37Caleb Hammer?

  Oh.

• 13:38Speaker 05

  Did not believe that she would ever fuck me over on a job like at all. And he kept telling me, he kept.

• 13:46Speaker 04

  I didn't like that because she, we worked at that store together whenever we met. That's how we met. I was a, I was a collection manager. I needed a part timer. So we hired her. I told her whenever she started, don't trust, don't trust this woman. She's not, she's not good. She's just shit. And then.

• 14:03Caleb Hammer?

  Why? Why would you say that? What was your?

• 14:05Speaker 04

  She was the AGM whenever I started there. And she felt a little shady. She felt a little sideways. She had been doing all this under the table crap. I wasn't a big fan, but they hit it off and it looked harmless at that point. So I was like, screw it, whatever. It doesn't matter. Well, whenever we finally get evicted from Midland the first time, because that's, that's a big thing.

• 14:26Caleb Hammer?

  Oh, you got evicted?

• 14:27Speaker 04

  Yeah. So, uh.

• 14:29Caleb Hammer?

  Why?

• 14:30Speaker 05

  Start taking in the baby. The day we were having issues putting him in daycare and then so then I lost my job and then.

• 14:39Caleb Hammer?

  You lost your job or you quit your job?

• 14:41Speaker 04

  She quit. You quit? Just so she put in two weeks to get a quote unquote better job. But like the last week, the guy was like, hey, let's just make this your last day.

• 14:50Caleb Hammer?

  Uh, no. Okay. Listen, why don't you trust the friend though? Why? It sounds like it worked out, but why didn't you trust her?

• 14:56Speaker 04

  So at one point I end up, she comes home from work one day. She has this little paper in her pocket. I'm not like digging through her pockets or anything. But I grab her jacket. I'm about to throw that thing in the washer and I feel paper. I'm like, oh, important work receipt or something. I pull it out. Here's a phone number and the handwriting of the woman that I don't trust. So I'm like, hey, what's this? Like not thinking anything of it. I was like customer phone number, some shit like that. She's like, oh, well, since you're not working right now. She was saying that I should probably find someone who's worth a damn, this and that.

• 15:23Speaker 05

  First of all, I don't, that's not.

• 15:26Caleb Hammer?

  She was trying to get her to break up with you?

• 15:28Speaker 04

  So we, this is whenever we moved back down.

• 15:30Caleb Hammer?

  Maybe it's valid. Was it valid? Is he worth sticking around for?

• 15:32Speaker 05

  It definitely was not valid. No, I.

• 15:35Caleb Hammer?

  Why'd you take it? Why'd you keep it? That wouldn't hurt.

• 15:37Speaker 05

  The, how it really went is I told him, I was like, whenever I got home from work, she was trying to get me to go fuck with another guy. I said, I wasn't gonna do it. So then she ended up giving that guy my number. I blocked the person that like immediately.

• 15:52Speaker 04

  At this point too, like the boss, this is whenever we moved back down to Midland. So I don't have a job, obviously, because I wasn't offered anything. But during that, like, what was it? Like two months that we were down there? I couldn't find anything.

• 16:02Caleb Hammer?

  Was this when she went for the big job?

• 16:04Speaker 04

  Yeah, this is, we just got to Midland for the big job.

• 16:07Caleb Hammer?

  Oh, so I mean, it's like.

• 16:09Speaker 04

  Our boss is like, well, he doesn't have a job, so you should find someone that does because obviously he's a bum. Like we just got down there. I'm with the kids all day. It's not like I'm just fucking off all day.

• 16:17Caleb Hammer?

  Put the fries in the bag though.

• 16:18Speaker 04

  I, yeah, I guess I could have. It just, I came from a big paying job.

• 16:22Caleb Hammer?

  Well, I know. So accept something never rarely and then get a better paying job.

• 16:26Speaker 04

  I did eventually. I was doing sod and shit.

• 16:28Speaker 05

  So he says he was with the kids all day, but all night long he would be playing his Xbox and he would sleep the whole entire day.

• 16:37Speaker 04

  I would sleep the whole day. I was still there in the house with the kids watching.

• 16:41Speaker 05

  And whenever I would get home from work, he would still be in the room while all the kids are just playing in the living room. And.

• 16:50Speaker 04

  It's not like we live in a big house. It's a, it's a straight shot from my bedroom.

• 16:53Caleb Hammer?

  Oh, I can tell.

• 16:54Speaker 04

  Oh, fuck you. All right. It's a trailer. It's, it's one big ass hallway with some rooms attached to it. So if I open up my bedroom door.

• 17:01Caleb Hammer?

  It's sound big.

• 17:02Speaker 04

  It's, it's a giant for a trailer.

• 17:04Caleb Hammer?

  Remember when he just said it was one small space?

• 17:06Speaker 04

  Yeah.

• 17:06Caleb Hammer?

  That's why he left the kids in the living room?

• 17:08Speaker 04

  Yeah. So I opened the door. I can see all the kids in the living room. They were right there. It's not like they were like outside in the yard running amok. Like I can be staring at the TV on Xbox. Oh, yep, there's, we've moved in together.

• 17:21Caleb Hammer?

  Okay, okay. We can talk about that at some point. Just try to stay on topic though. The reality is, she tried to get you to have sex with another man because the dude was bumming around playing video games all day.

• 17:31Speaker 05

  Yes.

• 17:31Caleb Hammer?

  Okay. Now I wouldn't cheat because of that, but I would put an absolute deadline on like, yo, you gotta get your shit together. You can't be bumming. You gotta be a man and provide for this household within a certain period of time. That is a fair thing to do. And then you start considering breakup after that.

• 17:45Speaker 05

  So I, I would actually go online and apply for him.

• 17:51Caleb Hammer?

  Yeah, he was being a fucker. He's not anymore. I mean, he's the one making money to be clear. So it's not like, I'm not freaking out about that at that point. But the fact is, your boss wanted you to sleep with someone. So what happened when you found that note?

• 18:04Speaker 04

  Whenever I found that note, I confronted her. I was, I wasn't even confronting because I, I didn't think you were capable of bringing something like that home. She's like, oh, my boss wanted this. I was like, maybe it's best we find somewhere better for you to work because you're only making 13 an hour when you're supposed to be making six figures a year.

• 18:21Caleb Hammer?

  She was promising you a much larger wage when you got there, right?

• 18:24Speaker 04

  Yeah. And then we move our entire family down for that.

• 18:27Speaker 05

  So I know he, he was pretty upset because I did not get any paperwork from HR. And so he was like, what were you thinking?

• 18:37Speaker 04

  Yeah. The best we got was a text message from this friend saying, yeah, if you come down here, girl, we'll be making this much together.

• 18:43Caleb Hammer?

  So what happened then?

• 18:44Speaker 05

  So then I asked her to write me or to write something saying that she was gonna give me, um.

• 18:54Speaker 04

  Which was just that email with like, I think a letterhead on it from the company, but.

• 18:58Caleb Hammer?

  Okay, but like, okay. So the job didn't work out, right?

• 19:01Speaker 04

  Yeah.

• 19:02Caleb Hammer?

  But you make money now.

• 19:03Speaker 04

  Well, I'm trying to dig.

• 19:04Caleb Hammer?

  You shouldn't be in this problem now. You do, okay. How long have you been in this job?

• 19:08Speaker 04

  Uh, it's three months.

• 19:10Caleb Hammer?

  So what the?

• 19:11Speaker 04

  Cause I'm trying to dig us back out of that hole that we got stuck in.

• 19:13Caleb Hammer?

  What do you mean? We, no, no, you're not. Objectively, no. Hundreds of dollars on bullshit. Hundreds of dollars going out to eat. That's not fake getting us out of the hole. That's staying in the hole if not digging deeper. How much did you spend last month?

• 19:25Speaker 04

  Um, last month?

• 19:27Caleb Hammer?

  Mm-hmm.

• 19:29Speaker 04

  Hmm.

• 19:31Speaker 04

  I'm not sure how much did we spend.

• 19:32Caleb Hammer?

  $4,217. He had your 3,000 come in. She had like a thousand come in.

• 19:43Caleb Hammer?

  I need to know what it's like in this household.

• 19:47Caleb Hammer?

  Because you guys have to partner together to get out of this, or else there's nothing.

• 19:51Speaker 05

  Relationship wise, uh, I think-

• 19:53Speaker 04

  There's zero communication between either one of us. If I try talking to her about anything, it's either shut down, or a couple of times it got physically aggressive.

• 20:02Caleb Hammer?

  Physically?

• 20:03Speaker 04

  There-

• 20:03Caleb Hammer?

  What's it getting physically aggro- what happened? Or what happens?

• 20:08Speaker 04

  Well, we're at karaoke one night. I think we still lived in COVID. Yeah, we still lived in COVID at this point. I'm up on the stage doing my little thing, drinking, having fun. Looking at a karaoke screen while singing, and there's this girl who happens to be right below it, in front of it. And she thinks I'm singing directly to that girl.

• 20:27Speaker 05

  No, I saw it. So, I, I mean, I saw it.

• 20:31Caleb Hammer?

  What, he looked at her once? Ah!

• 20:34Speaker 04

  The crazy part is, I don't see how she could have seen it, since she was on the other side of the bar.

• 20:38Caleb Hammer?

  Okay, so she thought you were looking at someone?

• 20:41Speaker 04

  We get home, and then she-

• 20:42Speaker 05

  So, you, you were actually like, you even winked at her.

• 20:48Speaker 04

  I didn't wink at shit. Are you sure it wasn't a blink? Cause you were looking at my side profile.

• 20:52Speaker 05

  No, it was not a blink. Like, I saw you. Like, 100% I saw you.

• 20:57Speaker 04

  I already know how you are. Why would I go winking at another girl with you right there in the same room?

• 20:59Speaker 05

  No, I know exactly what the [__] I saw.

• 21:02Speaker 04

  Alright, so she says she knows exactly what she saw.

• 21:03Caleb Hammer?

  I'm confused why you're looking at a person. Like, it's like, okay.

• 21:06Speaker 04

  I looked at a female, and that's like, big no-no, I guess.

• 21:09Caleb Hammer?

  It depends how you look at him. You're so he winked.

• 21:11Speaker 04

  I didn't look at them.

• 21:12Speaker 05

  So, I know we've had, uh, um, previous issues with him messaging other females as well on TikTok.

• 21:17Caleb Hammer?

  How was it?

• 21:20Caleb Hammer?

  Well, then, yes, it's probably a [__] trigger. What are you doing on TikTok?

• 21:25Speaker 04

  No, no, no. So, I was talking to this girl around the time that we got together, and I was telling this girl, hey, I'm with someone, I'm happy, I'm fine, I don't need you.

• 21:32Caleb Hammer?

  Fact check.

• 21:33Speaker 05

  That's not exactly what was said. Uh, he was talking to her, and I remember him telling the girl, like, hey, my wife don't want me talking to you. And so, she was like, why? And he said, because she just doesn't. And she told-

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• 22:14Speaker 05

  And while we're just friends, and he-

• 22:17Speaker 04

  And then I showed you that message, I was like, oh.

• 22:19Speaker 05

  He messaged some more on there, and then after that, he blocked her.

• 22:24Caleb Hammer?

  What was he saying?

• 22:25Speaker 05

  He blocked her, and then he completely deleted the messages. So, I have like a little-

• 22:28Speaker 04

  Tell him what I was saying. Tell him what I was saying after you got it.

• 22:30Speaker 05

  I don't know exactly what he was saying, but I know-

• 22:32Speaker 04

  It was me shutting it down. It wasn't anything- it was me like, because my wife doesn't want me being friends with you, she sees you this way, it makes her uncomfortable. So, I was trying to do the good guy thing, and be nice to both parties, and shut it down.

• 22:44Caleb Hammer?

  What's your issue? What's wrong with that?

• 22:47Speaker 05

  Previously, I was in a relationship where I was cheated on, like, so many times. So, I feel like-

• 22:52Caleb Hammer?

  Well, congratulations to you and the person that got to cheat. But that's not his problem, or his fault, or his issue. That is your psychological issue to deal with. Go to therapy.

• 23:03Speaker 04

  I'm not that guy, and she treats me like I did all the same shit to her. Whenever we lived at my parents' house, she kicked open the screen to this, to our bedroom window. She was trying, she was trying to leave with the car, kids, and all that shit, talking about going wherever the [__] she was going, not back to Midland, cause we had a quarter of a tank and no money to our name. But she was like, I'm gonna leave with all of them.

• 23:22Speaker 05

  I wanted to get a break away from you.

• 23:25Speaker 04

  You didn't say break. You said, I'm done, I'm gone. You were trying to take all this shit and leave.

• 23:30Caleb Hammer?

  Well, what did you do?

• 23:31Speaker 04

  So, I'm trying to get her to calm down.

• 23:34Caleb Hammer?

  No, why'd she do it?

• 23:35Speaker 04

  Why'd she do it? Oh, this is, uh, the night that she [__] hit me.

• 23:38Caleb Hammer?

  She hit you?

• 23:39Speaker 04

  Yeah, she hit me.

• 23:40Caleb Hammer?

  So, you saw him look at a lady? And now you have your own issues, which is not an excuse. You suck with money, so you download a budgeting app. You start with the classic one, YNAB, but everyone just deletes it because it's way too complicated to use. So, you go to EveryDollar. That's Dave Ramsey, the personal finance guy, right? Well, they're gonna force you to use it his way. That's not very personal finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they wanna sell you in the end? Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like Dollar Wise. Built by these people just like you, for people just like you.

• 24:26Caleb Hammer?

  No private equity, no gimmicks, just the best budgeting app there is. Download it now, start the free trial, dollarwise.com, link in the description below.

• 24:34Speaker 04

  She's kicking open screens to the windows. I try, like, bear hugging her, getting her to calm down, and then bam, she pops me in the nose. And she actually, like, popped my, like, broke that shit.

• 24:47Caleb Hammer?

  Really?

• 24:49Caleb Hammer?

  You called the cops?

• 24:51Speaker 04

  No. No, no, no. Cause I was, I was trying to de-escalate. I was like, she actually just hit me, but I, I didn't want a big blow up.

• 25:00Caleb Hammer?

  Wait, just because he looked at someone?

• 25:03Speaker 05

  Yes.

• 25:04Caleb Hammer?

  You're [__] crazy. You're bastard insane. What the [__] is wrong with you?

• 25:10Speaker 05

  So, I, I wasn't trying to, like, go for his nose. I was trying to shove him, like, off of me, like-

• 25:18Caleb Hammer?

  I am breaking nose from a shove.

• 25:20Speaker 04

  Yeah, no, it was a, I'll, I'll give her props. It was a good [__] hook.

• 25:23Caleb Hammer?

  Yeah, a hook. This is not what a shove looks like. Shoves don't look like that.

• 25:27Speaker 04

  She did again a couple of weeks ago, too.

• 25:29Caleb Hammer?

  No!

• 25:30Speaker 04

  Where, she didn't break my nose again, but- Two weeks ago, we were in, uh-

• 25:34Caleb Hammer?

  So, this is constant?

• 25:37Caleb Hammer?

  What happened?

• 25:37Speaker 04

  We were up in New Mexico, birthday party going on, we're having fun and all that. And I thought we were having a good time. She's a little tipsy. I felt like she was being annoying, just all up in my space, messing with my drink and all that. It's like, hey babe, let me, let me make this. I got it. I got it. You're fine.

• 25:54Speaker 04

  She ends up walking off. I'm thinking nothing of it. I thought she was gonna go sit down, just chill out, have fun. A little bit later, I'm like, where the [__] she go? I'm looking around. She's in our bedroom for this Airbnb we had. I'm trying to talk to her. I'm like, hey, what happened? What happened? Did you read something? Did something happen? Da-da-da. It's like, you're being such a [__] dick to me right now, in front of all these people.

• 26:13Caleb Hammer?

  Was he? What was he doing?

• 26:14Speaker 05

  I wasn't being, um-

• 26:17Speaker 04

  She's being super emotional.

• 26:19Speaker 05

  No, I was not. You-

• 26:20Speaker 04

  You were being so emotional.

• 26:21Speaker 05

  It's because, like, whenever we are around friends, he will talk to me a certain way, and he'll start like, oh, you [__] idiot, you [__] dumbass.

• 26:31Caleb Hammer?

  That's crazy, dude.

• 26:32Speaker 05

  You have. And so, I've talked-

• 26:34Caleb Hammer?

  Is she making that up right now?

• 26:36Speaker 04

  Are you? Cause I don't remember.

• 26:38Speaker 05

  I've talked to you about, I've literally just-

• 26:41Speaker 04

  You brought it up, but like, I, I can't recall, unless there's like a Jekyll and Hyde thing going on. I've never recalled talking down to you like that.

• 26:48Speaker 05

  No, you do. Like, I've, I've literally had to talk to you about it. I've told you, like, I just don't like the way you talk to me in front of people.

• 26:59Speaker 04

  I, I seriously can't recall talking down to you like that, though. I feel like that's a bit much. I know you've talked to me like that.

• 27:06Speaker 05

  I don't talk to you like that, like, in front of other people, though. You-

• 27:09Speaker 04

  No, it's that you smacked me in front of them.

• 27:11Caleb Hammer?

  Dude, like, literally.

• 27:12Speaker 04

  That second time she hit me was in front of them. That second time she hit me was in front of them.

• 27:16Caleb Hammer?

  So, what did she do? What happened?

• 27:19Speaker 04

  So, we're in, I get her to kinda, I course her out of the room, to try to get her to, like, focus on that. And, cause I see, I see the mood, the atmosphere, and all that shifting downwards. So, I'm like, let's try to save this. We spent a lot of [__] money to be up here. Let's save this little trip. And then she brings a fight out of the room, and she's like, don't [__] touch me, don't talk to me. I'm like, hey, calm down, let's talk, it's okay. And then she starts shoving, and I'm not letting her shove me over. Like, she's half my [__] weight in size, so I'm, I'm just taking it. I'm like, whatever, whatever, just talk through it, what's going on. And then it starts to smack, calf claw.

• 27:56Speaker 05

  I was also, like, blacked out drunk.

• 27:58Speaker 04

  She wants to blame it on that.

• 27:59Caleb Hammer?

  So, our arguments that we have just escalate, escalate, escalate, and if there's a couple of drinks in us, it gets violent in this house.

• 28:07Speaker 04

  That's if it escalates, cause sometimes I try talking to her about anything, and it's either shut down, or a couple of drinks, and we're fighting.

• 28:16Speaker 04

  I, I, like, the next day, I try bringing it up while we're both sober. I can't get a [__] word out of her. She's like, don't worry about it, we're fine. It doesn't matter. I just got hit. I'm not-

• 28:25Caleb Hammer?

  I understand.

• 28:28Caleb Hammer?

  Why don't you want to communicate with your husband? You guys moved somewhere with your children that you have reproduced.

• 28:36Speaker 05

  I don't, I've never been-

• 28:40Speaker 05

  I don't know how to communicate. That's, I-

• 28:44Caleb Hammer?

  How are you documenting that?

• 28:46Speaker 05

  Yeah, I, I'm not like, uh, communication, I don't like to communicate at all. And so, things do get pretty ugly whenever everything is, gets blown up, um-

• 28:59Speaker 04

  She doesn't say a single word about anything, ever.

• 29:03Caleb Hammer?

  So, why do you think you're always drinking and getting blackout drunk? What's gets you to this dramatic moment?

• 29:10Speaker 05

  So, I'm, I'm, like, really [__] exhausted, I'm tired. Um, I know I only work a couple of days a week, but I come home to screaming kids, I come home to-

• 29:20Caleb Hammer?

  Wait, you're right. You only do work a couple of days a week, and this dude works a full [__] shift. Let's hear how you're exhausted.

• 29:26Speaker 05

  Yeah, uh, I deal with the kids, of course, twenty-four, twenty-four seven, like.

• 29:31Speaker 04

  I mean, whenever I get home, yeah, I deal with them too.

• 29:34Speaker 05

  No, he doesn't. Uh, whenever he gets home, he goes to the room. And he'll like just hide out in the room and just be on his phone all day. He doesn't.

• 29:44Speaker 04

  Like, is that like, is that something crazy?

• 29:46Caleb Hammer?

  You do have to participate in kids.

• 29:47Speaker 04

  It's not like I'm out for hours.

• 29:49Speaker 05

  He doesn't do.

• 29:50Caleb Hammer?

  You have an iPhone?

• 29:50Speaker 04

  I'll take off my mask.

• 29:52Caleb Hammer?

  Open it. Okay, so you're very stressed because you spend all the time taking care of your kids. It's interesting, you're on your phone an average of nine hours and thirty-five minutes a day.

• 30:01Speaker 04

  Oh, she's pulling shifts on that shit.

• 30:04Caleb Hammer?

  She was on Facebook, actually, last week, you're on Facebook a full day. Of the seven days. You were on there for almost twenty-four hours that week.

• 30:14Speaker 04

  You were watching the kids the whole time.

• 30:15Caleb Hammer?

  I thought she was too. She's texting five and a half hours, Paramount, four and a half hours, TikTok, three hours. I thought you're so stressed taking care of the kids.

• 30:23Speaker 05

  I do, I, I take care of them.

• 30:25Caleb Hammer?

  No, I'm not saying you don't take care of them. You said you're stressed because that's the only thing there is to do.

• 30:29Speaker 05

  Yeah, it is.

• 30:31Caleb Hammer?

  Three hours on TikTok, two hours on Solitaire, two hours on Roku, four and a half hours on Paramount, texting for five and a half, and on Facebook for an entire day.

• 30:39Speaker 04

  Who is she? Can you see who she's texting? I don't have an iPhone, so I don't know how it works. Can you see?

• 30:43Caleb Hammer?

  Not you?

• 30:44Speaker 04

  I mean. I don't see her texting me for a full hour.

• 30:48Speaker 05

  So I have this group chat with my friend and my boss and we do talk um, on this group chat.

• 30:56Speaker 04

  Is this the same friend that took the car?

• 30:58Speaker 05

  This is the same friend that took the car. Um, I haven't talked to her ever since, so like.

• 31:05Speaker 04

  She texted for five hours straight.

• 31:06Speaker 05

  I have talked to her.

• 31:08Speaker 04

  Aren't talking to her for five hours.

• 31:09Speaker 05

  I have talked to her, but not as.

• 31:12Speaker 04

  How are you gonna text her for five hours straight and say I'm not talking to her?

• 31:15Caleb Hammer?

  But that's not the big issue, guys. The big issue, not who she's texting, it's the fact that you literally just said you go blackout drunk because Bro doesn't help out. Now, he might not help out perfectly, but you're saying you're beyond stressed and that's why you get blackout drunk. That does not line up with how you actually use your time. You have a lot of fun. You have a lot of downtime. In fact, I would say you probably spent more time on Facebook than Bro Games. What are you game on?

• 31:40Speaker 04

  Um, I got an Xbox and a PlayStation my brother gave me.

• 31:44Caleb Hammer?

  Which one do you do?

• 31:46Speaker 04

  Really just depends on, last week? Oh, none.

• 31:48Speaker 05

  The Xbox, the Xbox, he's lying, he does.

• 31:51Caleb Hammer?

  Then log into your Xbox app. I should be able to see your recent playing and I have a feeling you're bullshitting me. You're just a alcoholic, drunk, horrible mother.

• 31:59Speaker 05

  I'm not.

• 32:00Speaker 04

  As far as navigating it.

• 32:02Speaker 05

  No.

• 32:03Speaker 04

  There's the Xbox app.

• 32:05Caleb Hammer?

  Bro actually has the Xbox app. I, I, I really thought we were gonna sit there and have to wait for you to download this.

• 32:11Speaker 04

  No, no.

• 32:13Caleb Hammer?

  Listen, I'm not seeing anything in here that indicates he's playing a shit ton, so I'm a little confused. I feel like you're coping and lying and just. I mean, it's kind of like what you did at the beginning, when you're like, well, he does bad stuff too, and then like he doesn't. Like, maybe he games a little, but you're on your phone endlessly doing bullshit.

• 32:29Speaker 04

  That's what I was trying to say. For a little bit.

• 32:32Caleb Hammer?

  You're bullshitting me.

• 32:33Speaker 05

  So every time I would talk to him when I am at work, he always tells me that.

• 32:43Caleb Hammer?

  Now, the thing that's weird to me that I, I was just scrolling the notes real quick, mostly because you don't talk. The thing is, you threatened him with divorce.

• 32:53Speaker 05

  Yes, I will.

• 32:54Caleb Hammer?

  I haven't seen anything that indicates he's the bad guy and you're the good guy. How in the world are you the person to threaten divorce? To the breadwinner that is doing everything. Maybe he plays video games. Are we, are we suggesting there's no hobbies allowed? Like, I'm confused on that. You haven't been able to back that up.

• 33:13Speaker 05

  Definitely hobbies allowed, yes, um.

• 33:16Caleb Hammer?

  How are you the threat in of divorceer?

• 33:19Speaker 05

  I've just been under a lot of stress.

• 33:21Caleb Hammer?

  How? You're on Facebook a day a week.

• 33:25Speaker 04

  We're stressed out by the same things. Why is it one sided?

• 33:27Speaker 05

  He went six months without working, so it was.

• 33:30Caleb Hammer?

  But he's been working for three months, right?

• 33:32Speaker 05

  Yes.

• 33:33Speaker 04

  The only reason I went six months without working was because you moved us down here.

• 33:36Caleb Hammer?

  No, that's bullshit. You could have found a job in a few months. You could have put the fries in the bag. You don't need to meet your previous income. We need income on the table.

• 33:43Speaker 04

  Well, it's not, it's not like I didn't work at all. I mean, I had stuff. I had that little saw job. I had one of those daytime work apps.

• 33:50Speaker 05

  Whenever, the first time we moved out of Midland too, you went like eight months without working.

• 33:57Speaker 04

  Are you talking about whenever we moved to Cove? Because that's whenever my dad was setting me up with that job.

• 34:01Speaker 05

  Right, but you don't ever wait for somebody to.

• 34:05Caleb Hammer?

  You're just as bad as her going with her friend.

• 34:07Speaker 04

  But I still end up coming back and making the money. I'm always.

• 34:11Caleb Hammer?

  You have to make up a previous eight months of not working.

• 34:16Caleb Hammer?

  Crazy, dude. Yeah, that was stressing me out too. You know what? Okay, potentially valid. I also threatened to leave her partner if, you know, we were in a dual income household and they're just not working for six months.

• 34:25Speaker 04

  She threatens to leave me whenever I am the, the breadwinner of the house. Whenever I am bringing in the three thousand dollars a month, four thousand dollars a month. The, which time? Because the first time was in Cove after we got this house, uh, we didn't buy a house, we're renting. But after we rented that house and it was some little petty stupid argument, and then that's whenever she threw it in my face. It wasn't even divorce yet because we weren't married yet.

• 34:50Speaker 05

  I never, like, before we even got married, I never even divorced in your face.

• 34:54Speaker 04

  Yeah, because we weren't married yet. You can't divorce someone you're not married to.

• 34:57Speaker 05

  Threatened to leave you with the kids.

• 35:00Caleb Hammer?

  That's the same damn thing.

• 35:01Speaker 05

  Didn't get a job and help me. I couldn't do everything by myself.

• 35:05Speaker 04

  Around and got a job and helped you.

• 35:07Caleb Hammer?

  Were you really doing things by yourself, though?

• 35:10Speaker 04

  No, because I was there with the kids.

• 35:11Caleb Hammer?

  Heard so far, except for the periods he's not had a job of which I will criticize him for.

• 35:15Speaker 05

  Technically, though, I would come home from work, he like at four in the afternoon, he would still be asleep. And the baby would be in his playpen, the same place he was in the morning before I went to work.

• 35:28Speaker 04

  That, that, you act like that's every day. I'll, I'll, maybe twice.

• 35:32Speaker 05

  It's happened a few times.

• 35:33Speaker 04

  Twice.

• 35:36Speaker 05

  So, so, so whenever he's not working and I come home. Yes, so whenever he's not working, I come home and, I mean, of course, I'm going to assume he's doing what he's doing because he's done it before.

• 35:47Caleb Hammer?

  That's not unfair, guy. That's dangerous for the kid.

• 35:52Speaker 04

  I, I, I mean, we, we're doing all this, we got three kids. I'm new to all of this. It's been three years since we got together. I mean, adopting a kid whenever we.

• 36:00Caleb Hammer?

  Everyone's new to getting kids.

• 36:02Speaker 04

  Okay, okay, but we had. We're what?

• 36:05Caleb Hammer?

  So?

• 36:05Speaker 04

  Two months into living together? And I, I, I didn't even want to take on this responsibility. She kept talking up like it was gonna be short term, temporary thing. I didn't want to go full adopt. She was like.

• 36:18Caleb Hammer?

  Exactly. Once a kid's in the picture, a kid's in the picture. You're a man. Step up.

• 36:22Speaker 04

  It wasn't a leave situation. It started with like, uh, hey, we're gonna foster, we're gonna watch a little bit. It was like a long time babysitting.

• 36:29Speaker 05

  I gave you an out too, and I even told you, are you sure this is what you want?

• 36:34Speaker 04

  Because you don't have to take it. It was a, it was a, I'm gonna take everything out.

• 36:38Speaker 05

  No, it was more of like, are you sure?

• 36:42Speaker 04

  She didn't give me that out until I already bought her a car.

• 36:46Speaker 05

  We had this conversation.

• 36:48Speaker 04

  Yeah.

• 36:48Speaker 05

  I said, are you sure?

• 36:50Speaker 04

  Investing into it. I, I, I get her this little shitty twenty nineteen, twenty nineteen Nissan. And then that's whenever she's like, do you want out? Do you want out? You're not gonna take the car, but do you want out?

• 36:59Speaker 05

  That's no, that never happened.

• 37:02Speaker 04

  Uh, how, what, what do you mean it didn't happen?

• 37:04Speaker 05

  Even, even when we first started dating, I told you, are you sure this is what you want to deal with?

• 37:09Speaker 04

  It was one kid and the kid was, how, how old? We got together, ten, nine?

• 37:13Speaker 05

  She was ten.

• 37:14Speaker 04

  Like nine or ten, because I feel like we, whenever we got together, we had her first birthday. So she's old enough to where it's not like, here's a kid, I have to keep eyes on twenty-four seven. She was a fully functioning little micro teenager. All I had to do was make sure she was going to bed on time, doing schoolwork. I, I was boyfriend. I like, I, I'm just like, I'm not even stepdad yet.

• 37:33Caleb Hammer?

  I guess, yeah.

• 37:34Speaker 04

  So I agreed to that, that's like, okay.

• 37:37Speaker 05

  I never asked you to agree.

• 37:39Speaker 04

  Two months after moving into this place.

• 37:40Speaker 05

  Asked you to agree to that, first of all. Secondly, like, I never told you to take on that responsibility. You chose it, so you're stuck with it.

• 37:49Speaker 04

  Nine year old, I didn't agree to the two year old. That was something that just kind of got.

• 37:53Caleb Hammer?

  Staying is agreeing.

• 37:55Speaker 04

  That, the staying is after the apartment was in my name, so I knew if we broke up, she was gonna leave me with that. I couldn't afford that on my own. That was a two bedroom in Midland. That was, how much were we paying? Like sixteen hundred for that? I was definitely not making sixteen hundred a month money.

• 38:09Speaker 05

  It was, it was nineteen hundred.

• 38:11Speaker 04

  The car payment on top of that, that was close to four or five hundred. So both of those, and I knew I was either gonna eat shit on both or I was gonna get both and get sacked with them. Like I invested into it. I wasn't ready to just dip out and leave. Plus, I wanted to work on it. I wanted it to work out.

• 38:29Caleb Hammer?

  Okay, then how can you say you didn't want the two year old if you wanted it to work out?

• 38:34Speaker 04

  Because I wanted it to work. I wanted conversations. I wanted to talk about this stuff through. I wanted to make sure she wasn't

• 38:40Caleb Hammer?

  Make the choice to

• 38:40Speaker 04

  Jumping into it. It didn't feel like we're making the choice together.

• 38:43Caleb Hammer?

  Not necessarily fair.

• 38:44Speaker 04

  At one point, she told me, she was like,

• 38:46Caleb Hammer?

  Kid if the other person doesn't want a kid?

• 38:48Speaker 04

  She even said, either I, either we take the kid or she's gone.

• 39:00Speaker 02

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• 39:23Speaker 05

  People that gave us the boy, he

• 39:26Speaker 04

  Make it sound like a back alley deal. CPS contacted us.

• 39:30Speaker 05

  CPS contacted us and asked, you know, you're the only family member that, yes.

• 39:36Speaker 04

  Yeah, it's a relative.

• 39:37Caleb Hammer?

  Okay, well, it makes sense that you'd want to step up and help then.

• 39:40Speaker 04

  I was helping. I was trying to be like the good guy and it was supposed to be temporary.

• 39:43Caleb Hammer?

  Temporary foster.

• 39:44Speaker 04

  I didn't think her kid, I didn't think her cousin was this

• 39:47Speaker 05

  So you have to stand whenever, whenever you're a kid, like once a kid, always

• 39:52Speaker 04

  I know her. I met her four days before we took home.

• 39:57Speaker 05

  Right, but you saw the way she looked, this straight up kid.

• 40:01Speaker 04

  I don't know. I'm a suburb kid. I didn't grow up with kids and shit. I don't know what they look like.

• 40:06Caleb Hammer?

  Looks like you.

• 40:08Speaker 05

  Easy to tell the difference between a normal person.

• 40:11Speaker 04

  You telling me too that she's getting clean. I got her dad telling me she's getting clean. I got your brother saying that she's getting clean. So I got all these people talking me into it. So I'm like, they know more than I do. Let's go through with it. She's gonna get clean. We'll have this kid for four, six months and then

• 40:28Speaker 05

  She went to rehab for like three months and then checked herself out and then missed all of the supervised visitations. And then that's whenever they asked us to, if we can just adopt.

• 40:41Caleb Hammer?

  But either way, there's another kid that's a year younger. So you still chose to have another kid. So it's not like you were like, no kids, like you stuck a load in.

• 40:51Speaker 04

  That was after I kind of accepted my fate, that this is where everything was going.

• 40:55Caleb Hammer?

  Oh, that doesn't sound

• 40:56Speaker 04

  And it wasn't

• 40:57Caleb Hammer?

  Your fate, you weren't like, I'm in love. You accepted your fate. Well, she's the one that's trying to divorce. You're the one that's trying to divorce. Come on.

• 41:06Speaker 04

  That's like, I was in love enough not to threaten to leave you. I've never threatened to take those kids. I've never threatened to do this and that.

• 41:12Caleb Hammer?

  How?

• 41:13Speaker 04

  I've always stuck by you through all this shit, no matter how quick the movements were, no matter where we're going.

• 41:18Caleb Hammer?

  When's the last time she threatened divorce?

• 41:21Speaker 04

  That night, that last time she hit me.

• 41:23Caleb Hammer?

  Jeez, which was what? You said like a couple of weeks ago, right? Crazy. How long is she hitting you? This is crazy. We shouldn't be in an abusive household, especially there's kids there. I always say it wasn't when they're in front of kids. How long until though? How long until that does happen?

• 41:39Speaker 04

  Cause you're already snapping at kids too.

• 41:42Caleb Hammer?

  Oh, real? Like what?

• 41:44Speaker 04

  She just has quick temper. She says it's cause she's stressed out.

• 41:47Caleb Hammer?

  What does that look like with the kids?

• 41:49Speaker 04

  Just loud angry yelling.

• 41:50Speaker 05

  No.

• 41:51Caleb Hammer?

  What?

• 41:51Speaker 05

  I, for, I do not yell at the kids at all.

• 41:56Speaker 04

  Don't, you don't leave them alone.

• 41:58Speaker 05

  No, I get snappy with them.

• 42:00Speaker 04

  Running around like a maid.

• 42:01Speaker 05

  No.

• 42:02Speaker 04

  Do this, do that. Change this, change that. Pick up this, pick up that.

• 42:05Speaker 05

  Snappy with them.

• 42:06Caleb Hammer?

  What does snappy mean to her though?

• 42:08Speaker 04

  Snappy to her is like, what the are you doing? Put that down. Nah, nah.

• 42:13Caleb Hammer?

  Hmm, that's a swear to her then?

• 42:15Speaker 05

  That's not how I talk to them at all though. I, no, no. Snappy, well, snappy to me is get out of here, give me my break, but I, I do not.

• 42:28Caleb Hammer?

  Heard you say that. That sounds like a hurt line. You just criticized him for having some solo time, but you're saying, get the out of here, give me a break to your kids?

• 42:37Speaker 05

  Yeah.

• 42:37Caleb Hammer?

  Hold on, why are you criticizing him for wanting a break?

• 42:40Speaker 05

  Well, I, it

• 42:41Speaker 04

  Cause I'm supposed to get home after my eight, 10 hour shift. If I have overtime, cook dinner.

• 42:47Speaker 05

  But whenever you get, whenever you get home though, you don't immediately do anything, which I understand. I mean, I'm not gonna force you.

• 42:55Speaker 04

  It's not like I can decompress on the drive.

• 42:57Caleb Hammer?

  Hours a week. You take care of this shit at home. If you're not gonna work another 20 hours, do 20 hours at home.

• 43:02Speaker 04

  Don't do anything. I'm the one that cooks.

• 43:04Caleb Hammer?

  Oh, really?

• 43:05Speaker 04

  Yeah, I cook.

• 43:06Caleb Hammer?

  What the are you on about then?

• 43:08Speaker 05

  So it's

• 43:09Caleb Hammer?

  You're a witch.

• 43:11Speaker 05

  He does not cook all the time.

• 43:14Speaker 04

  Oh, yeah. Sometimes she'll get McDonald's while I'm coming home from work.

• 43:17Speaker 05

  We both agreed. We both agreed that we will take turns

• 43:22Speaker 04

  Agreeing is one thing. Actually going through it, that's a completely different thing. When was the last time you cooked at the house?

• 43:27Speaker 05

  The night before we came here.

• 43:28Speaker 04

  The night before we came here?

• 43:29Speaker 05

  Yeah.

• 43:30Speaker 04

  Okay, she started spaghetti and I finished it. Oh, the tacos. She started the tacos. That's who, if she cooks, it's, I'm gonna do this. Oops, it up. Do you think you can help? And then she's gone. I don't know where the she went in the house. Find her ass in the bedroom, just watching TV. I'm like, hey, what happened to the help? She's like, I started it.

• 43:47Caleb Hammer?

  What? That's exactly what you're criticizing him for. This makes no sense. And yet you're the one that threatened divorce? What was two weeks ago? Oh, it was like, oh, if you're treating her like shit in front of friends, I don't think you should hit a spouse, but

• 44:01Speaker 05

  It's so

• 44:03Caleb Hammer?

  I can understand being upset.

• 44:04Speaker 05

  So I, I understand I get like blacked out drunk and don't remember anything.

• 44:08Caleb Hammer?

  Oh, that is not a good thing for a mother to say. What if you don't remember beating your kids next time? You're already snappy with them. What's blacked out drunk mama gonna be like? How many does she drink?

• 44:22Speaker 04

  Uh, weekend, every weekend.

• 44:24Caleb Hammer?

  Oh, what the?

• 44:25Speaker 05

  Not, it's not every week.

• 44:28Speaker 04

  When was the last weekend we didn't?

• 44:29Speaker 05

  Two weeks ago.

• 44:30Speaker 04

  Two weeks ago, you were beating the shit out of me because you were drinking.

• 44:33Caleb Hammer?

  Two weeks ago? It's like, that's not long ago.

• 44:36Speaker 05

  Right, but you, you know, you make it sound like it's an everyday thing or an every weekend kind of thing.

• 44:42Speaker 04

  I did say every weekend.

• 44:43Speaker 05

  It's not an every weekend kind of thing.

• 44:45Speaker 04

  Right, cause sometimes I'll tell her no.

• 44:47Caleb Hammer?

  What do you think she's doing when she storms off? Cause I know she turns off her Life360. What do you think she's up to?

• 44:52Speaker 04

  I wanna trust you enough to think that you're not just disappearing and talking to friends that I don't want you around. Like I, she tells me

• 44:59Caleb Hammer?

  Don't want her around?

• 45:00Speaker 04

  Like the, the, the, the one that got us down here in the first place. I won't believe she's completely out of the picture.

• 45:06Speaker 05

  She is 100% out of the picture and no, whenever I take off and leave.

• 45:10Caleb Hammer?

  Your location.

• 45:12Speaker 04

  So I can't track. I don't know if she's going to the park next door or across town.

• 45:17Speaker 05

  I just want a break from him and I'm not saying

• 45:21Speaker 04

  No, cause she has the only car we got.

• 45:23Speaker 05

  I'm not saying a long break. I'm just saying like, give me a couple hours, please.

• 45:29Caleb Hammer?

  Would he follow you?

• 45:30Speaker 05

  No.

• 45:31Caleb Hammer?

  Then what are you talking about? After a big fight and threat of divorce, turning off location and fleeing away, it doesn't look great.

• 45:38Speaker 05

  Because he's also had, no, he's also had some friends go and follow me and

• 45:46Speaker 04

  When the have I done that?

• 45:47Speaker 05

  You've had and go and look for me at one point.

• 45:51Caleb Hammer?

  Yeah, cause you have the only car.

• 45:53Speaker 05

  All I said was I wanted at least a couple hours to myself.

• 45:58Speaker 04

  And I didn't say follow. I asked him to text and check on you. If tracked you down, she tracked you down.

• 46:03Speaker 05

  I, all I want to do is just go to the park and just sit there and breathe a little bit.

• 46:10Speaker 04

  Tell me any of this though.

• 46:11Speaker 05

  You knew about it. I told you.

• 46:13Speaker 04

  No, you didn't. If you told me, I would have known about it. But if you just like, oh, gone. How am I supposed, am I just supposed to assume every time you're going to the exact same place? Cause you don't, you go to multiple places.

• 46:24Speaker 05

  You, you want, like you are smothering sometimes.

• 46:31Speaker 04

  Smothering?

• 46:32Caleb Hammer?

  Maybe, but it's right after a big fight and whatnot. Like what does he think? You're already blacked out drunk. Maybe you're leaving. Who knows what you're bouncing on? Come on, that's happened. That's happened to almost every episode this year. Guys, you've known me since the beginning and the fact is, I just love building products that help people and we're continuing to do that with the Caleb Hammer Financial Services. Listen, now you got personal loans that you can get the best rates on forever. You wanna use it for whether it's consolidation after you change your behavior, or you need to purchase something that gets a good return on investment.

• 47:04Caleb Hammer?

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• 48:14Speaker 04

  I don't know where you're going and I already know that there's people I don't want you talking to. There's no telling if you're gonna be hanging out. Then whenever we went up to New Mexico, she was texting the friend, not the, not the first friend that got us moved down here, but the other friend she has out. I'm like,

• 48:28Caleb Hammer?

  Why don't you like this other friend?

• 48:31Speaker 04

  She's, she's allowed to have friends. Yeah. I, I don't have

• 48:34Caleb Hammer?

  Isolate her.

• 48:35Speaker 04

  No, like I was excited whenever we moved down here because she's talking about, I'm best friends with this person. Best fucking friend.

• 48:40Caleb Hammer?

  With this other friend. I don't want you to take away friends.

• 48:43Speaker 04

  Uh, she brought her She brought her Baby daddy, husband down.

• 48:48Caleb Hammer?

  So how do you?

• 48:49Speaker 04

  They fought in our front yard. We s- I get him to go down to the gas station so he can buy cigarettes. And then whenever we get back, car's gone.

• 48:56Caleb Hammer?

  This is trailer trash galore. How do you have someone that, your friends with someone that stole your car?

• 49:03Speaker 04

  She wanted to talk it down to and be like, maybe I told her she could, but she did it.

• 49:07Caleb Hammer?

  How does someone steal our car? What does that even mean?

• 49:10Speaker 05

  We were drinking. We were not even-

• 49:12Caleb Hammer?

  As usual, your weekend little festivities of alcoholism and bad motherism.

• 49:17Speaker 05

  We were not, like, drinking a whole lot. I had barely had like maybe one beer and then I was like, well, I gotta run to the restroom. He went to the store with her baby daddy, boyfriend, husband, whatever the hell he is. And so he went to the store with him and whenever I come out of the restroom, cause he leaves the keys in the car. He doesn't ever take the keys out. So whenever I come out of the restroom and I call him like, hey, my car is gone. I came back outside to check on her, cause they were just-

• 49:44Speaker 04

  She didn't just say, my car is gone. She's like, hey, I think I let her borrow the car. I was like, why the would you let her borrow the car? And then the story changed up.

• 49:52Caleb Hammer?

  Well, borrowing's not bad though.

• 49:54Speaker 04

  No, she said borrow. Cause she, this friend didn't ask. She was like, hey, can I use the car? She said, no, cause I had, I'm, I'm on call for my job. I need to be able to go there the next morning if need be.

• 50:03Speaker 05

  I said, no, um-

• 50:04Speaker 04

  And then this friend still found the keys. It was like, I peace and dipped the out with the only car we have. We got it back noon the next day after contacting the, the husband. Cause I was like, hey, if you run into your wife.

• 50:17Caleb Hammer?

  Stole this thing.

• 50:18Speaker 04

  She, yeah, she drove off with it.

• 50:19Caleb Hammer?

  Shit, he doesn't want you to be friends with her. He's not isolating.

• 50:23Speaker 04

  And no insurance on the car, tags are expired, my fucking guns in the car. Yeah, but these are the reasons we would have said no.

• 50:30Speaker 05

  Ever, like-

• 50:31Speaker 04

  Get your shit together.

• 50:32Speaker 05

  Ever since though, I have cut down on talking to her a lot more.

• 50:37Caleb Hammer?

  Cut down?

• 50:38Speaker 05

  I have.

• 50:39Caleb Hammer?

  Cut down?

• 50:40Speaker 04

  How many hours were on that phone?

• 50:41Caleb Hammer?

  Stop, someone that steals our car? I don't blame him. Come on, I don't blame him. Didn't you just have normal friends? So, okay, yeah.

• 50:51Speaker 04

  That's all I was asking. Just have good frie- and you do have a good friend. And ju- they're two good friends.

• 50:57Caleb Hammer?

  I would also feel concerned with these like kinda batshit crazy people you got in your life that after a big fight, when you're blacked out, you cut off your location. That's crazy.

• 51:05Speaker 04

  That was one of the exact issues I was, yeah, she was already telling you, hey, I got cousins or I got this one dude or I got this guy. And then you fight with me. And then next thing I know, you were like, oh yeah, I went and talked with her. I don't know what's going on. I don't know if you just snapped finally or like, maybe I will go flavor, go taste the flavors of Odessa.

• 51:24Speaker 05

  No, I, one thing I've never done was cheat, like ever.

• 51:30Speaker 04

  How am I supposed to know that when you dip out?

• 51:32Caleb Hammer?

  How do you even know that? You say you're blacked out drunk, you can't remember stuff.

• 51:35Speaker 05

  Well, cause whenever I'm blacked out drunk, I'm blacked out drunk with him at home.

• 51:38Caleb Hammer?

  Always?

• 51:39Speaker 04

  I'll fuck off.

• 51:40Caleb Hammer?

  Exactly. And turn off her location.

• 51:42Speaker 05

  Whenever I walk off, I walk off to the room. I don't get in the car and drive.

• 51:46Speaker 04

  In New Mexico, you walked off and you contacted?

• 51:49Speaker 05

  I walked off and I called my best friend.

• 51:53Speaker 04

  To come pick you up?

• 51:54Speaker 05

  No, I just told her, well, yeah, to come pick me up.

• 51:58Speaker 04

  We're all the way in New Mexico. We're all the way in New Mexico too. That's like a-

• 52:01Caleb Hammer?

  She ever taken the kids with her in these instances?

• 52:03Speaker 04

  I'll give her that. She's never gotten drunk and walked off with the kids.

• 52:06Caleb Hammer?

  Are you afraid of that she may have cheated in your relationship? In any of these extreme crash outs?

• 52:13Speaker 04

  Want to say she hasn't because I truly, truly wanna believe I'm not wasting my time.

• 52:17Caleb Hammer?

  But what does your, you know, what's your confidence level on that?

• 52:21Speaker 04

  I feel like she might have at least talked to a guy while she's doing these little dip out sessions.

• 52:27Speaker 05

  The only guy I've ever, ever talked to is my boss and that is it. And it is-

• 52:33Caleb Hammer?

  But what does that mean?

• 52:34Speaker 05

  Related. I've never talked to him about personal issues. I've never talked to him-

• 52:39Speaker 04

  She's talking to this guy all the time.

• 52:41Speaker 05

  Outside of my, like, outside of work.

• 52:42Caleb Hammer?

  Wait, what? What's your issue?

• 52:44Speaker 04

  So my issue is, I come home from, uh, no, no, I come home from work. She's not working that day. She's not working the next day. She didn't work the last day. Cause you know, she got these like spans where she's not working. I come home after my eight hour shift and she's on the phone, talking to him. It's already been like an hour or two. I'm like, hey babe, just like, one second. Keeps going. Like I get sidelined for this guy.

• 53:06Caleb Hammer?

  Okay, maybe you're not trying to do something, but this guy's talking to you.

• 53:10Speaker 05

  Yes.

• 53:10Caleb Hammer?

  For that long as like friends?

• 53:12Speaker 04

  She wants to, she wants to say like-

• 53:14Speaker 05

  But as friends, but we do talk-

• 53:17Speaker 04

  As friends and the boss.

• 53:18Speaker 05

  We do talk mostly about work.

• 53:21Speaker 04

  Mostly.

• 53:21Caleb Hammer?

  For hours on end about a hotel?

• 53:25Speaker 05

  Yes, we do.

• 53:26Caleb Hammer?

  But for fun?

• 53:27Speaker 04

  It can't be that.

• 53:27Speaker 05

  For fun.

• 53:28Caleb Hammer?

  For fun. This is not actual work hours. This is for fun.

• 53:32Speaker 05

  This is for fun.

• 53:33Caleb Hammer?

  And we're talking about hotel booking numbers.

• 53:36Speaker 05

  It's because like we don't like the other girls that work there. So honestly, if you even-

• 53:42Caleb Hammer?

  So you got it.

• 53:43Speaker 05

  Yes, it's more gossiping.

• 53:45Caleb Hammer?

  Talking about work, that's gossiping.

• 53:48Speaker 05

  So it's gossiping.

• 53:49Caleb Hammer?

  So this guy-

• 53:50Speaker 04

  I don't see how you find five hours to talk to him instead of me.

• 53:53Caleb Hammer?

  Yeah, that is-

• 53:54Speaker 04

  I just got home from work.

• 53:56Caleb Hammer?

  Fair.

• 53:56Speaker 04

  I got stories too. I got shit I could talk about. I go into people's apartments for a living. Like you think I don't see shit? Uh, the apartments I work at, they're pretty much man camps. You know what a man camp is?

• 54:07Caleb Hammer?

  Yep.

• 54:07Speaker 04

  So th- there's always some shit going on there.

• 54:10Speaker 05

  But I've never cheated.

• 54:11Speaker 04

  Hell, I just pulled a like condom full of some shit out of some dude's toilet and he said it was plunged up there for a couple of weeks.

• 54:19Speaker 04

  Like I got stories too.

• 54:20Caleb Hammer?

  Come on, this is a relationship. You guys are into this together. You have a biological kid together and an adopted kid together and then you're a whore kid together as well.

• 54:29Speaker 05

  It's, it's not, it's not that I don't want to talk to him, but every time I try to communicate with him or I even do try, cause I don't, I'm not a communication person, but whenever I would, he does lash out on me.

• 54:43Caleb Hammer?

  Lash out?

• 54:44Speaker 05

  Yes.

• 54:45Caleb Hammer?

  What does that mean? Hold on, hold on.

• 54:47Speaker 05

  He's, he's never put his hands on me ever.

• 54:49Caleb Hammer?

  Yeah, what's lash out? You're the one that puts your hands on him.

• 54:51Speaker 05

  Yeah, but like he will start yelling, he will start cussing at, like not only me, but he does at the kids. Like he'll say, what the fuck?

• 55:01Caleb Hammer?

  You were saying she did that. Are you projecting on me all of a sudden?

• 55:05Speaker 04

  Oh, not kids. I, so whenever the, whenever the 11 year old puffs up her chest and all that, yeah, yeah, I'll say something like, hey, calm down.

• 55:14Caleb Hammer?

  Oh, that's good de-escalation.

• 55:16Speaker 04

  I'm not, okay, I'm not good at de-escalating, but it's not, and even then, cussing isn't like, cussing at them, that's part of my peach.

• 55:23Speaker 05

  No, it's a lot more than just that because you will literally sit there and be like, what the are you doing? And then you'll say her name and then you know-

• 55:32Caleb Hammer?

  But to you, what does he do to you? And these, when you try to communicate, I mean, it would make sense honestly, dude, if she's trying to communicate and all of a sudden you just blow up every time and start yelling at her, why would she wanna communicate?

• 55:43Speaker 04

  Well, this is after I get sidelined for a conversation with the guy that you're talking to that I don't like.

• 55:48Speaker 05

  No, that, no, no. Because whenever you-

• 55:51Speaker 04

  It's like, yeah, I just got home. You don't wanna talk to me, I don't wanna talk to you.

• 55:53Speaker 05

  No, because whenever you get home, I will sit here and try to talk to you. And you will literally sit there and tell me like, oh, go be with your favorite kid or go be with this.

• 56:09Speaker 04

  Cause you definitely have a favorite kid.

• 56:10Speaker 05

  I don't have a favorite kid. No, I don't.

• 56:12Caleb Hammer?

  And it's not yours.

• 56:13Speaker 04

  The youngest kid, our kid together, that's your favorite.

• 56:15Speaker 05

  The youngest is my favorite. I, I don't have a favorite.

• 56:20Caleb Hammer?

  You can have a favorite. I don't care, but the lashing out in the conversations. I don't care. This doesn't matter. The lashing out in the middle of conversations does. She won't communicate if you lash out on her.

• 56:33Speaker 04

  It's not like I'm screaming at her like, hey bitch, stop being alone.

• 56:36Caleb Hammer?

  I'm listening to her words. That's what she's saying. That's what you said about her. Are you overplaying it?

• 56:42Speaker 04

  No, I'm not overplaying it.

• 56:43Caleb Hammer?

  Exactly. So what the are you saying?

• 56:45Speaker 04

  Well, could-

• 56:52Speaker 02

  Real traders still hear the noise. They just know when to stop listening to it. Find and research opportunities to fit your strategy with Thinkorswim trading platforms from Schwab. Discover features like robust charting, nearly unlimited customization, and built-in risk management technology. Plus, get 24/7 support from real trading specialists. That's Schwab Trading. Learn more at schwab.com/trading.

• 57:15Speaker 04

  She's acting like I'm over here like puffing up and getting all aggressive.

• 57:18Speaker 05

  You, you do tell us to shut the up sometimes. You will literally just lash out or whenever I'm just sitting there trying to have a conversation with you. You're like, I don't, I don't care. I'll deal with it later.

• 57:30Speaker 04

  Conversation, if it's something, first off, if it's one of those conversations where like, I'll deal with it later. It's you bringing up shit I don't wanna hear about.

• 57:37Caleb Hammer?

  Oh, that's not your choice? Why do you get to bring up things she doesn't wanna talk about?

• 57:43Speaker 04

  Well, cause whenever she's bringing up shit that she wants to talk about, those situations are like,

• 57:48Caleb Hammer?

  What?

• 57:49Speaker 04

  Hey, the toilet over there is clogged or-

• 57:51Caleb Hammer?

  That's important!

• 57:52Speaker 04

  Yes, and I will fuckin' deal with it.

• 57:54Caleb Hammer?

  You're the man!

• 57:55Speaker 04

  I'll see it whenever I see it, like, eh, eh, eh.

• 57:58Speaker 05

  I know. I, I will say that there has been a few times where I am trying so hard to tell him like, hey, we need to go get diapers. Like the boys are down to only one diaper.

• 58:09Caleb Hammer?

  That's important.

• 58:10Speaker 05

  And that's, yes, they need a diaper.

• 58:12Caleb Hammer?

  Wait, you don't get to just not choose to talk about that?

• 58:14Speaker 05

  And he'll be like, well, all I got is like $20. We can't get diapers right now. A small pack of diapers.

• 58:20Caleb Hammer?

  Oh, but she spent $400 going out to eat. That's good.

• 58:23Speaker 05

  A small pack of diapers to last us a whole week is like 12 bucks.

• 58:29Caleb Hammer?

  What's wrong with you dude? You don't get to pick and choose when or not we have to take care of the family. That's not how that works. Something I don't wanna talk about, fuck you. You still have to participate in the household. You are now saying the exact same thing you're accusing of her.

• 58:43Speaker 04

  I am participating.

• 58:45Caleb Hammer?

  But you don't get to pick and choose.

• 58:47Speaker 04

  I'm not picking and choosing.

• 58:48Caleb Hammer?

  You just said, I don't wanna talk about that right now. And that's getting supplies for the kids.

• 58:52Speaker 04

  She can go grab those supplies herself too. Like it, it doesn't have to be one of those where I have to watch her at the store.

• 58:58Speaker 05

  I don't ask you to go and hold my hand at the store to grab any of that.

• 59:04Speaker 04

  And you have access to my car. You have the money. You have the vehicle. You have the time.

• 59:09Speaker 05

  I also would like to ask for permission before using your car too.

• 59:14Speaker 04

  Babe, I've told you time and time and time again.

• 59:16Speaker 05

  I get we're married, but I don't feel comfortable just using-

• 59:20Speaker 04

  I've never gotten mad at her for her using-

• 59:22Caleb Hammer?

  Well, why don't you feel comfortable?

• 59:23Speaker 05

  So it's, it's honestly the ra- the way I was raised.

• 59:28Caleb Hammer?

  That's why. It's not overspending.

• 59:29Speaker 04

  Yeah, and I've, it's not overspending. Like I don't have an issue with her using the car.

• 59:33Caleb Hammer?

  No, no, I know, but she feels more comfortable asking.

• 59:36Speaker 04

  I, I-

• 59:36Caleb Hammer?

  For whatever reason, but like, okay, you don't need her to, but she would like to.

• 59:43Speaker 04

  I've gone so far, my, you know, you can do the tap to pay. My card's on her fucking phone.

• 59:46Caleb Hammer?

  She feels, she's like she is more comfortable asking you though. No one is suggesting, you're saying you, you are requiring her to ask.

• 59:54Speaker 04

  All right, and I'm, I'm not shutting it down either, like-

• 59:56Caleb Hammer?

  Yes, you are.

• 59:56Speaker 04

  No, I'm saying, I'm not, I'm not shutting her down whenever she asks. I, I give it. Like I, I, I don't know why.

• 1:00:04Caleb Hammer?

  So you guys literally can't talk about shit? Do you guys even anymore?

• 1:00:09Speaker 05

  Sometimes.

• 1:00:10Speaker 04

  What? Don't, don't put it down like it's something where like we're having issues.

• 1:00:15Speaker 05

  It hasn't been.

• 1:00:16Caleb Hammer?

  It is in my notes from her that, oh, you guys are not intimate and you have a lot of issues. So I would say so.

• 1:00:22Speaker 05

  So we haven't been intimate. I would say like a couple of weeks now.

• 1:00:27Speaker 04

  Oh, what?

• 1:00:28Speaker 05

  No, it's been, it's been a couple of weeks.

• 1:00:31Speaker 04

  Oh, we right before we got here.

• 1:00:33Speaker 05

  No, not really.

• 1:00:35Caleb Hammer?

  Huh? How do you not really?

• 1:00:37Speaker 05

  I like, because he's saying that we did, but we did not like at all.

• 1:00:43Caleb Hammer?

  Huh? How many of you guys have sex?

• 1:00:45Speaker 04

  How often?

• 1:00:46Caleb Hammer?

  I don't trust you. Cause you're trying to like puff up. You don't want to look bad.

• 1:00:52Speaker 05

  No.

• 1:00:53Speaker 04

  He's asking you all these questions now. You go ahead, give him the answer. Cause it's.

• 1:00:57Caleb Hammer?

  It's in our note from you that you're not even intimate anymore.

• 1:01:00Speaker 05

  Yeah, no, we're not, we're not. And we haven't been intimate. So he, the friend we were telling you about that stole the car. The last time we were actually, actually intimate with each other. You know, he was like, you know, pretty much tell me, oh, ride me if you don't want me to go and fuck your friend.

• 1:01:21Speaker 04

  Hold up. When the fuck did I say that?

• 1:01:23Speaker 05

  That's how I took it. That's what I heard.

• 1:01:26Speaker 04

  You took something. How, how do you take words that don't?

• 1:01:29Caleb Hammer?

  Quiet. You can defend yourself. Keep going. You can defend yourself.

• 1:01:32Speaker 05

  So I, so I told him how the, how the game I supposed to be turned on. Like, you know, you're mentioning another woman's name while we are in the middle of having sex.

• 1:01:44Caleb Hammer?

  I have his direct quotes from it. He told you during sex, if you don't want me to your friend, me better than your friend could.

• 1:01:51Speaker 04

  Where the?

• 1:01:52Caleb Hammer?

  You just, you just stopped.

• 1:01:53Speaker 04

  Is that an audio recording you all have?

• 1:01:55Caleb Hammer?

  Apparently you just kept bringing up the name.

• 1:01:57Speaker 04

  No, no, no, no, no.

• 1:01:58Caleb Hammer?

  According to our own stories.

• 1:01:59Speaker 04

  When did this happen? Give, give me the night this fucking happened.

• 1:02:02Caleb Hammer?

  Exactly what she said.

• 1:02:04Speaker 04

  What?

• 1:02:04Speaker 05

  When we first, when we first started talking to this friend again, well, when I first started talking to this friend again. Probably the third time she had came over to our house.

• 1:02:15Caleb Hammer?

  If you don't want me to your friend, me better than she could?

• 1:02:19Speaker 05

  So that's a fucking turn off. It's like.

• 1:02:23Caleb Hammer?

  Yeah, it's a turn off for her.

• 1:02:25Speaker 05

  Like, I don't.

• 1:02:26Caleb Hammer?

  Like, during talk can be fun, but it's fun if it's fun for both.

• 1:02:31Speaker 04

  Hold up, cause that's not what was happening that night.

• 1:02:33Speaker 05

  That, no, that's exactly.

• 1:02:34Speaker 04

  Do you remember what was on the TV in our bedroom that night? Do you remember what was?

• 1:02:37Speaker 05

  I do.

• 1:02:38Speaker 04

  Being streamed to the TV? We had TV while we were doing this. I wasn't talking about that bitch ass friend that just.

• 1:02:43Speaker 05

  It doesn't matter. You were still talking.

• 1:02:45Speaker 04

  I was talking about the woman on the TV that you were mimicking. She had her bitch shaking the same goddamn way.

• 1:02:52Speaker 05

  No, you mentioned her name. You said her name.

• 1:02:56Speaker 04

  Why would I say her damn name? Why, why would I say her name?

• 1:03:00Speaker 05

  I don't know why.

• 1:03:01Speaker 04

  Because I didn't, because it didn't happen.

• 1:03:03Caleb Hammer?

  How is there a disagreement on this? How confident are you on this?

• 1:03:08Speaker 04

  How confident are you that I would say another woman's name while we are intimate?

• 1:03:12Speaker 05

  Hundred percent sure.

• 1:03:13Caleb Hammer?

  Hundred?

• 1:03:13Speaker 05

  Yeah, one hundred percent sure. He's, that is what he said. I heard exactly what he said.

• 1:03:19Caleb Hammer?

  And since then, you haven't really been intimate?

• 1:03:21Speaker 05

  On and off, but not like as much as we normally are. Cause usually it'll be like, yeah.

• 1:03:27Caleb Hammer?

  Does he even know that?

• 1:03:28Speaker 05

  I'm pretty sure he can feel it.

• 1:03:32Caleb Hammer?

  Brother?

• 1:03:33Speaker 04

  Yeah, I've definitely felt it. I didn't know it was something related to that.

• 1:03:36Caleb Hammer?

  It's cause you said,

• 1:03:40Caleb Hammer?

  if you don't want me to you, if you don't want me to your friend, me like she would, better than she would.

• 1:03:45Speaker 04

  These words are pulled out of thin air.

• 1:03:47Caleb Hammer?

  Why would she be distant right after that event then?

• 1:03:50Speaker 04

  I want to say we probably had another fight around that time unrelated to what I said.

• 1:03:54Speaker 05

  No.

• 1:03:54Speaker 04

  Cause this is the first time I've hearing about it.

• 1:03:56Speaker 05

  Even, even with our petty fights, we are still one hundred percent intimate. And then ever since that one night, I just cannot be turned on by somebody who mentions another female in the middle of having sex. Like who, who does that?

• 1:04:12Speaker 04

  Not me. That's what I'm trying to tell you.

• 1:04:16Speaker 05

  I'm one hundred percent sure you said that though.

• 1:04:19Caleb Hammer?

  What are you thinking, guy?

• 1:04:21Speaker 04

  I'm thinking she's crazy.

• 1:04:23Speaker 05

  Crazy?

• 1:04:23Speaker 04

  Yes, I think you're pulling shit out of thin air.

• 1:04:26Speaker 05

  I'm definitely not pulling shit out of thin air. If anyone's crazy, it's you that's crazy.

• 1:04:31Speaker 04

  Yeah, I am crazy.

• 1:04:34Speaker 04

  Did you catch what, how she was saying it? That she thinks she heard it? That that's the way she took it?

• 1:04:39Caleb Hammer?

  She said she's a hundred percent confident though.

• 1:04:41Speaker 04

  No, at the end, after you, it was like asked repeatedly, but at first she was like, I took it this way. This is what I think I heard.

• 1:04:49Speaker 05

  No, I said.

• 1:04:50Speaker 04

  But now that the pressure's on you.

• 1:04:51Caleb Hammer?

  But she's been distant.

• 1:04:52Speaker 04

  She's been distant before. There's, there's always something for her to be distant about.

• 1:04:56Speaker 05

  I've never been distant before. I've never been distant before. If anyone's been distant, it's been you. I've never been distant. The only time I've ever got.

• 1:05:05Speaker 04

  After you hit me, give me a couple of weeks to recover from that shit.

• 1:05:09Speaker 05

  Been distant was that you mentioning another female in the middle of us having sex. That's the only time I've ever been distant.

• 1:05:18Caleb Hammer?

  And I know two weeks ago, she said she felt like running away from, from you, the kids and life.

• 1:05:25Speaker 04

  I mean, I believe that, I believe that you've said some shit like that. I believe that you've thought of it. I believe that you were probably.

• 1:05:31Caleb Hammer?

  How, how are you saying she's not saying, she said that?

• 1:05:33Speaker 05

  That's.

• 1:05:34Caleb Hammer?

  These are words she said.

• 1:05:36Speaker 04

  That's what I'm saying. I, I fully believe it. She hasn't said anything like that to me.

• 1:05:39Caleb Hammer?

  You believe it? What do you, no, she. Okay.

• 1:05:43Speaker 04

  Yes, I believe that she said shit like that and I am trying to work through this. I'm trying to make sure that we work out. But it's really hard when it's one.

• 1:05:51Caleb Hammer?

  You've considered leaving him. I want to know from a scale of like, just like zero is like, you are one hun- zero is you are staying. There's not even a single chance you're walking out that door. A hundred percent is you're leaving. There's not a single chance you'd stay. Where are you in the scale?

• 1:06:07Speaker 05

  Zero.

• 1:06:08Caleb Hammer?

  That makes no sense. Based on everything you just said, you've threatened divorce a thousand times. You literally were telling Devon, you've considered leaving him, the kids and everything.

• 1:06:19Speaker 05

  So as much as we fight, as much as that irritation and frustration that we have towards each other, I still love him.

• 1:06:28Caleb Hammer?

  No one's suggesting not. People get divorced when they love though. You've threatened, how are you at zero if you have threatened divorce like that many times?

• 1:06:35Speaker 04

  I just want to say I've never threatened it. I've never thought about it and I can confidently say that I'm never gonna leave. I'm a zero.

• 1:06:41Caleb Hammer?

  And I love breaking the nose to someone I really love.

• 1:06:44Speaker 05

  I know I say, I, I know I say things out of anger. And I don't.

• 1:06:50Caleb Hammer?

  Matter all of a sudden, cause you're angry.

• 1:06:52Speaker 04

  That's the exact thing that I've been telling you. Like you say this shit, it hurts. Like whenever you're like, I'm gonna, I'm gonna grab the kids and we're gonna go. You, she has said to me, I will find them a new dad. I'm trying my hardest.

• 1:07:04Speaker 05

  Never said I will find them a new dad, ever.

• 1:07:08Speaker 04

  Yeah, you did. It was after you broke my nose.

• 1:07:10Speaker 05

  No, I've never said that.

• 1:07:12Speaker 04

  Then I never said her name while I was fucking you.

• 1:07:15Caleb Hammer?

  How in the world is he meant to take that? How, how? I'm surprised he even came back after that. That's not something that I can come back from.

• 1:07:23Speaker 04

  I didn't come back. I never left.

• 1:07:24Speaker 05

  Him to take it in like to be cool about it. No, I don't expect him to be cool about that shit at all, like at all. But at the same time, I've never ever sat there and said, I was going to find my kids a new, our kids, a new dad. Because that is not what I said at all.

• 1:07:45Speaker 04

  My kids, my kids, my kids, my kids.

• 1:07:47Speaker 05

  Used to saying my kids.

• 1:07:49Speaker 04

  We've been together for three years.

• 1:07:52Speaker 05

  Yes, but we both know that they're our kids.

• 1:07:56Speaker 04

  Then why do you keep calling them my kids? They're our kids. You want to say you're just now getting used to saying our kids? I'm just now getting used to saying I have kids at all.

• 1:08:09Speaker 04

  It feels one sided on all of this.

• 1:08:10Speaker 05

  Say our kids, not just my kids.

• 1:08:14Caleb Hammer?

  Not an unfair point. Language matters.

• 1:08:15Speaker 04

  It does, especially whenever you've talked down to me before.

• 1:08:19Speaker 05

  Yeah, but you've talked down to me too.

• 1:08:22Speaker 04

  Has it been me starting it or has it been me like, if she wants to go that way, I'm gonna fight back? I don't initiate this shit.

• 1:08:29Speaker 05

  One hundred percent you starting it sometimes.

• 1:08:32Speaker 04

  When?

• 1:08:32Speaker 05

  Cause it's not always me that starts all the fight.

• 1:08:35Speaker 04

  Then when? When?

• 1:08:37Speaker 05

  Like that time at your parents' house, whenever we were all just sitting there on the couch and you suddenly just looks at me or you tell me like, oh, nobody's talking to you. Or you know, like you only talk to me a certain way, not only in front of our friends, but in front of your parents. Like, is that what you think? Like how they want you to treat me?

• 1:09:00Speaker 04

  What kind of thing are you trying to sit up here? Like when, when have I ever done something like that?

• 1:09:05Speaker 05

  You did that like three weeks ago on a Saturday when we came to the coast to see your parents.

• 1:09:11Speaker 04

  I am not the one fucking talking to you down like that.

• 1:09:13Speaker 05

  No, you are.

• 1:09:15Speaker 04

  When?

• 1:09:15Speaker 05

  I've had to shut you down for talking to me like that in front of your parents, in front of anybody at that.

• 1:09:21Caleb Hammer?

  Parents?

• 1:09:23Speaker 05

  Like you talking to me like that is giving the okay for everybody else to talk to me like that.

• 1:09:29Speaker 04

  And she's.

• 1:09:31Caleb Hammer?

  Listen guys, we gotta get into the finances and I, I don't, I don't think you guys have the capability currently to communicate over the finances. I really don't. But I want to see what you think. What do you guys think your household financial score is? Zero to 10, zero being the worst, 10 being the best?

• 1:09:46Speaker 05

  Zero.

• 1:09:47Speaker 04

  Zero.

• 1:09:48Caleb Hammer?

  Now, we're gonna call the friends that were around you guys in the post show and we're gonna figure out which one of you is a liar, which one's not. We're gonna get to the bottom of all of this in the post show. If you want to figure out what your financial score is, it is a free assessment. It only takes a few minutes to take. At Calebhammer.com, you can see what your hammer financial score is in detail in each category for free. And if you don't want to be like a guest who ends up on the show, make sure you download the Dollar Wise Budgeting App. It is the best budgeting app for the average American. There's a free trial to see if it works for you. It works for the majority, so they take the annual version because it saves nearly 50% on your money. So check that out, dollarwise.com or just download the app.

• 1:10:26Caleb Hammer?

  All of those links are below. I do see his parents, his parents, the ones that he apparently talks horrible about you in front of. Well, you guys owe them a lot of money.

• 1:10:39Speaker 05

  Yes, we do.

• 1:10:42Caleb Hammer?

  Why do we owe them fourteen thousand five hundred dollars?

• 1:10:44Speaker 05

  So I honestly thought it was only a thousand dollars we owe them, just because I know that they have helped us since we've been together.

• 1:10:52Caleb Hammer?

  You know why you thought that? Cause you guys don't communicate.

• 1:10:57Caleb Hammer?

  You know what the fuck?

• 1:10:58Speaker 04

  I told her around the time that we got together, so I have the, I have an SUV that my mom bought brand new back-

• 1:11:04Caleb Hammer?

  But hold on, is that you guys owing? If you've owed this before you guys got together?

• 1:11:08Speaker 04

  I took on some of her debt too, cuz she owed her ex's parents-

• 1:11:11Caleb Hammer?

  You've owed your parents for over three years?

• 1:11:14Speaker 04

  Yeah.

• 1:11:15Caleb Hammer?

  Brother, what is wrong with you?

• 1:11:19Speaker 04

  I-

• 1:11:20Caleb Hammer?

  That's pathetic! You thought it was a thousand hours until when? When did you discover the end of-

• 1:11:26Speaker 04

  When me and her got together.

• 1:11:26Caleb Hammer?

  Shut up! When did you discover the extent of this?

• 1:11:29Speaker 05

  So I never knew about previous income or money that they've lent him. Um, I do know like last year around Halloween time, they did help us with a thousand dollars just so we can be caught up on our rent.

• 1:11:42Caleb Hammer?

  Okay, so you thought it was a thousand dollars?

• 1:11:44Speaker 05

  So I thought it was a thousand dollars.

• 1:11:45Caleb Hammer?

  When did you discover it was fourteen five?

• 1:11:48Speaker 05

  On our drive here.

• 1:11:49Caleb Hammer?

  Oh, the drive here? So this was yesterday? Oh, you f- why are you hiding this from her?

• 1:11:56Speaker 04

  I didn't think I was hiding it cuz whenever we got together, I was still, i- it's engine and transmission for a truck that I had whenever we got together. I still have the truck.

• 1:12:03Caleb Hammer?

  Transmission, yeah, that's seven thousand a vet. Seven thousand for a vet, though.

• 1:12:08Speaker 04

  So-

• 1:12:08Caleb Hammer?

  She didn't know that? She doesn't know shit!

• 1:12:10Speaker 04

  If she didn't know, she wasn't paying attention cuz that happened while we were together. Whenever we first got together, whenever I first brought my dog down.

• 1:12:16Caleb Hammer?

  Did you not know how it was paid?

• 1:12:18Speaker 05

  So, no. I, I honestly didn't know how it was paid, who paid it, um-

• 1:12:24Caleb Hammer?

  What was your reaction when you heard this last night?

• 1:12:27Speaker 05

  I just looked at him and I said, "What the f- do you mean we owe them fourteen thousand dollars?" Yeah, it's not-

• 1:12:33Speaker 04

  This isn't some blindside thing.

• 1:12:36Caleb Hammer?

  To her, it is!

• 1:12:37Speaker 04

  Cuz she's not paying attention, that's what it is.

• 1:12:39Speaker 05

  So he said, "You know, you're not the one that has to worry about it, it's me, but we are married, we're in this together, your debt is now my debt, my debt is your debt."

• 1:12:50Speaker 04

  Which is what I told you when we got together and I was helping you pay on that car from the, from the orig- from, what do you call them? No, not the Nissan, that f- me over. I'm talking about the Ford-

• 1:13:02Caleb Hammer?

  Do you feel like he hid this from you?

• 1:13:04Speaker 05

  I don't feel like he hid it from me.

• 1:13:06Speaker 04

  Then why are you talking like you, like I hid it from you?

• 1:13:08Speaker 05

  I feel like he, I just feel like it's just something he forgot to mention at some point.

• 1:13:14Speaker 04

  I didn't forget to mention it, you were there when it happened.

• 1:13:17Speaker 05

  No, this whole time-

• 1:13:18Speaker 04

  You were there when it happened.

• 1:13:20Speaker 05

  This whole time, I'm thinking we only owe his parents a thousand dollars.

• 1:13:26Speaker 04

  With me and my parents have had this conversation in front of you.

• 1:13:29Speaker 05

  I don't listen to yours and your parents' conversation.

• 1:13:32Caleb Hammer?

  Why not? How can you say he's insulting you in front of his parents, then?

• 1:13:36Speaker 05

  Be- because he does.

• 1:13:38Speaker 04

  But you haven't heard it up early.

• 1:13:40Speaker 05

  I, I mean, I-

• 1:13:41Speaker 04

  She took it that way.

• 1:13:43Speaker 05

  Yeah, but whenever they're, whenever they talk about certain things, I choose not to listen to-

• 1:13:56Speaker 02

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• 1:14:19Speaker 05

  Those certain things-

• 1:14:20Caleb Hammer?

  Okay, well, hold on, your ignorance is not his fault. Is there a minimum monthly payment we've agreed to give them, or?

• 1:14:27Speaker 04

  Um, at one point, before we got together, at one point, whenever I was paying on that-

• 1:14:30Caleb Hammer?

  Over three years ago! Bad son!

• 1:14:34Speaker 04

  I told them about it. They said, "Take care of the kids first, pay us back second."

• 1:14:39Caleb Hammer?

  Yeah, except-

• 1:14:40Speaker 04

  We haven't gotten to a point-

• 1:14:41Caleb Hammer?

  What if they knew you spent a thousand hours a month on bullshit last month?

• 1:14:43Speaker 05

  They would be pissed.

• 1:14:44Caleb Hammer?

  Yeah! I think they probably want their fourteen thousand five hundred hours back, asshole! You, I have a loan, NBTX, first, uh, probably a credit union of some kind. What is this? Nine hundred ninety-nine dollars? What is this?

• 1:15:01Speaker 05

  Um, so that is my bank. I took out, when we first moved back to Maryland, I got screwed over with my job, I took out a loan so that we would help us put, uh-

• 1:15:11Caleb Hammer?

  What's your minimum monthly payment to this?

• 1:15:13Speaker 05

  One forty-seven.

• 1:15:14Caleb Hammer?

  What's your interest on this?

• 1:15:16Speaker 05

  Um, so I took out a thousand dollar loan, I pay back twelve hundred.

• 1:15:20Caleb Hammer?

  Oh, you will pay back twelve hundred?

• 1:15:22Speaker 05

  Yeah.

• 1:15:23Caleb Hammer?

  Okay, yeah, I mean, it's not great. Why did we need to borrow at that time? Why did we move without anything ready to move? Any savings? You, you self-confessed had a good income where you came from.

• 1:15:34Speaker 04

  Yeah, so the reason we moved down without the savings and all that was cuz magic lady with the special offer was like, "We'll help you get into a house, we're gonna help with the first month and all that."

• 1:15:44Caleb Hammer?

  Love that. You should've had savings. You were making, self-confessed, very good money. Why didn't you have anything?

• 1:15:50Speaker 04

  We spent it on some shit, I think that was, we got her that, that Honda that we're currently, that we drove up here from.

• 1:15:55Caleb Hammer?

  Dude, you spent a thousand hours a month on bullshit, dude. You could have savings, you choose not to.

• 1:16:01Speaker 04

  We had savings in Cove, we spent it on that car that we got, and we spent it trying to get my Explorer fixed.

• 1:16:05Caleb Hammer?

  Wait, I'm also being told you for the, the, the, the, the first daughter, I think. You already get eight hundred nine dollars a month!

• 1:16:12Speaker 05

  That-

• 1:16:13Speaker 04

  That goes towards rent.

• 1:16:14Speaker 05

  Towards rent.

• 1:16:15Caleb Hammer?

  Could've gone towards this! The first time instead of borrowing, how long have you been getting that?

• 1:16:19Speaker 04

  Monthly, it is pulled out of that account.

• 1:16:22Speaker 05

  I wanna say I got it back in September, but do you know?

• 1:16:29Speaker 04

  No, that one, that one was kind of on you, you told me that it happened after.

• 1:16:33Caleb Hammer?

  You ready to pay child support like he does when you leave? When she leaves you?

• 1:16:38Speaker 04

  That's not child support, uh, bio-dad passed.

• 1:16:40Caleb Hammer?

  Oh, you beat him too hard?

• 1:16:42Speaker 05

  Unfortunately, no.

• 1:16:44Caleb Hammer?

  That's sad, I'm sorry to hear that. Were you together?

• 1:16:47Speaker 05

  Yeah, we were together eleven years.

• 1:16:50Caleb Hammer?

  You're the backup.

• 1:16:51Speaker 04

  Like I said, he's gone, this-

• 1:16:54Caleb Hammer?

  Oh, I know, now you're in. As the backup. Okay, moving loan, six hundred dollars behind. Fourteen hundred dollars.

• 1:17:05Caleb Hammer?

  What is this to?

• 1:17:06Speaker 05

  Yes, um, so that is a loan we took out in Cove, um, to be able to pay for like our moving truck.

• 1:17:15Caleb Hammer?

  You're six hundred behind. What's your minimum monthly payment? Is it in collections?

• 1:17:19Speaker 04

  I was told that loan right there was gonna be paid back by Aaron's.

• 1:17:22Speaker 05

  It's one seventy, it's one seventy, um, the furniture store I was working at, they-

• 1:17:29Caleb Hammer?

  Oh.

• 1:17:30Speaker 05

  They like-

• 1:17:31Speaker 04

  They were supposed to-

• 1:17:32Speaker 05

  Give us the receipt, everything, we're gonna reimburse it, we're gonna pay it, and then-

• 1:17:36Caleb Hammer?

  Dude, you're in this furniture store, man.

• 1:17:38Speaker 05

  Yeah, so it never-

• 1:17:40Speaker 04

  What, I wanna like push past this, they, they were supposed to pay that back right then and there.

• 1:17:44Speaker 05

  Yeah, they were supposed to pay it.

• 1:17:45Speaker 04

  That was like a, within your first check, we get-

• 1:17:47Speaker 05

  But then it kept-

• 1:17:48Speaker 04

  Sixteen hundred.

• 1:17:49Caleb Hammer?

  Lady, even more important, student loans, you're not paying on them, they will garnish your wages!

• 1:17:54Speaker 05

  It's not my student loans.

• 1:17:56Caleb Hammer?

  Oh, you! They will garnish your wages, they're up to thirty percent, you can get a- You pathetic piece of shit, you- You could call them, get on a payment that is less than one percent of your income. If you don't, they will garnish your wages up to thirty percent of your income! It's a phone call!

• 1:18:16Caleb Hammer?

  What is wrong with you, you lazy piece of shit that cares about nothing?

• 1:18:20Speaker 04

  I don't know why you're pushing back on this, like I-

• 1:18:22Caleb Hammer?

  Why are you pushing back on this? Cuz you're not paying it, you stupid piece of shit!

• 1:18:25Speaker 04

  I have paid on it.

• 1:18:25Caleb Hammer?

  It says need attention, need attention!

• 1:18:27Speaker 04

  Yeah, it needs attention now cuz we've fallen back, I was paying on it.

• 1:18:31Caleb Hammer?

  That's what I'm talking about, you dumbass!

• 1:18:33Speaker 04

  We have paid this back, like, we, we are paying on it, that's a small f- amount compared to how much it was.

• 1:18:38Caleb Hammer?

  So guess what? You don't do that?

• 1:18:40Speaker 04

  How much is left there? About five thousand, six thousand? What's the number? Give me the number that's left on it. Cuz that's coming from a thirty thousand dollar loan.

• 1:18:47Caleb Hammer?

  No, that's great, but guess what?

• 1:18:49Speaker 04

  It's not like I've never paid on it before.

• 1:18:51Caleb Hammer?

  I don't understand that, I'm not criticizing you for not paying it in the past, I'm criticizing it now. Cuz all you have to do is calling it on a less than one percent of your income.

• 1:18:59Speaker 04

  We have-

• 1:19:00Caleb Hammer?

  You will!

• 1:19:00Speaker 04

  We will!

• 1:19:01Caleb Hammer?

  You will, why aren't you?

• 1:19:02Speaker 05

  So-

• 1:19:02Speaker 04

  We, we just haven't yet, we haven't yet, we will.

• 1:19:06Caleb Hammer?

  Good, then get garnished, f- you! I hope they take every dime.

• 1:19:09Speaker 04

  F- you too, I did-

• 1:19:10Caleb Hammer?

  For me? What do you mean? I pay my loans.

• 1:19:14Speaker 05

  So I did call and I did call the-

• 1:19:17Caleb Hammer?

  You!

• 1:19:18Speaker 05

  Department and I did-

• 1:19:19Speaker 04

  Yeah, cuz she handles the bills and shit.

• 1:19:21Speaker 05

  I did ask if we can set up payments, so they were able to-

• 1:19:24Speaker 04

  Holy crap, listen to that, she has started on it.

• 1:19:26Caleb Hammer?

  I'm glad she will cuz you can't take care of yourself.

• 1:19:29Speaker 04

  She deals with all the loans, this isn't new.

• 1:19:31Caleb Hammer?

  Yeah, but this is the federal government, man, I'm surprised she was even allowed to talk to them for you.

• 1:19:36Speaker 05

  So starting in November is when we'll start making, uh, fifty dollars every two weeks.

• 1:19:43Caleb Hammer?

  And you let it get to that.

• 1:19:46Caleb Hammer?

  You can't do anything, can you?

• 1:19:47Speaker 04

  I was paying it off a while ago.

• 1:19:49Caleb Hammer?

  Oh, oh my goodness. I don't care. I don't care if you weren't paying a while ago and you are now. I'm not killing you for what you were doing. It's now. Now co-signed. Co-signed?

• 1:20:02Speaker 04

  Yes, that's the part that I'm paying on.

• 1:20:04Caleb Hammer?

  The 20,000?

• 1:20:04Speaker 04

  Yes.

• 1:20:05Caleb Hammer?

  Is that the 5,000?

• 1:20:06Speaker 04

  No.

• 1:20:07Caleb Hammer?

  So this is something different.

• 1:20:08Speaker 04

  My mom's first, because she co-signed that student loan with me.

• 1:20:11Caleb Hammer?

  She co-signed a student loan with you, or did she get a parent plus loan?

• 1:20:15Speaker 04

  To be honest, I don't know it.

• 1:20:16Caleb Hammer?

  One matters. One less matters. If it's a parent plus loan, do not pay on it. That is her responsibility. She chose that. If you co-sign, then yes, pay it.

• 1:20:24Speaker 04

  Well.

• 1:20:25Caleb Hammer?

  Before I put it there, I need you to figure that out before I put it in the budget, because that is not worth you paying on. It wasn't on your credit, so it's actually likely only her loan. You can help take care of it.

• 1:20:36Speaker 04

  That's what I was going for, because I'm not.

• 1:20:38Caleb Hammer?

  After everything else. It is not first priority. The loan that is first priority is not a loan that is not your loan. All the other loans matter first. Well, you have a closed credit card.

• 1:20:50Speaker 04

  I don't make the payments on the bills and stuff.

• 1:20:53Caleb Hammer?

  So you let this go to collections? 145 dollars?

• 1:20:56Speaker 05

  I did, yes.

• 1:20:57Caleb Hammer?

  You let his car loan go to collections of 8,673? Did that get repoed?

• 1:21:02Speaker 05

  It got repoed, and it was only because I wasn't working at the time. I had just barely gave birth, and then his boss gave him six weeks of the full.

• 1:21:14Caleb Hammer?

  Did you call the bank to try to have them put the payments at the end?

• 1:21:17Speaker 05

  Yes, we did, and they said no, that they couldn't.

• 1:21:20Caleb Hammer?

  You're probably missing too many.

• 1:21:22Speaker 05

  And so he went actually six weeks of no pay paternity leave.

• 1:21:28Speaker 04

  It wasn't a full six weeks. You keep trying to talk it down like that. I had comp time with that job. So I worked a ton of overtime whenever I got there.

• 1:21:36Caleb Hammer?

  You could have at least put a little towards the car, though.

• 1:21:38Speaker 04

  She didn't. I don't even know where that money went, because that was a good like.

• 1:21:42Caleb Hammer?

  Well, I know you spent a thousand dollars a month on bullshit. At a minimum. Well, you still owe that 8,673. Lucky they haven't sued and got a court order to start garnish your wages, because they can do that. 387 in collections there, because.

• 1:21:56Speaker 04

  Is that another one that's on my credit? That's why the worst part about this is it's all on my credit.

• 1:22:01Caleb Hammer?

  It is, yeah. Why would, first of all?

• 1:22:03Speaker 04

  It's all, it's all.

• 1:22:04Caleb Hammer?

  Seeding responsibility to her when it's all your debt.

• 1:22:08Speaker 04

  Because that was the agreement whenever we started doing this. Her credit, she said her credit was fucked.

• 1:22:15Caleb Hammer?

  Because this is now an additional 5,497 in collections.

• 1:22:20Speaker 04

  So that's the eviction, and then we ended up losing the car, too.

• 1:22:24Caleb Hammer?

  Mm-hmm.

• 1:22:25Speaker 04

  After that stuff, I stopped letting her put anything in my name.

• 1:22:28Caleb Hammer?

  It's not just that, but we have another collections of 341. Why are you still letting her be the one that manages it, though? Where everything's gone to collections.

• 1:22:38Speaker 04

  Because I could trust, I thought I could trust that I'd bring home the big money.

• 1:22:42Caleb Hammer?

  You're obsessed with the past. I am saying now. Now, you've learned that this is how she fails constantly, and you're still allowing it. Why?

• 1:22:51Speaker 04

  I'm trying to work towards pushing myself into it more. I still, I'm not tracking 100% what's where.

• 1:22:56Caleb Hammer?

  You just upload everything to DollarWise. It's so basic, guys. It's all in front of you. You guys get it for free forever, so I really don't understand. And also, get you a course career certification. I'll get you both. But like, you especially need to get a job.

• 1:23:12Speaker 04

  That's it. Right now, she's home all day, not doing much, and she's still not paying the bill.

• 1:23:17Speaker 05

  I've been like, I do want to get a better job, and I know his mom has mentioned to me about.

• 1:23:23Speaker 04

  My mom's tried setting her up to work at the office.

• 1:23:26Caleb Hammer?

  Guys, stop with the setups for other jobs. Actually take some personal responsibility, update your skills. I'll get you a course career certification, either in trades or in tech or whatever you want. They have so many now. There's a free course that you can go through, that everyone in the audience can go through, that connects them with the best certification for them. People in the audience have converted it to six-figure jobs. I hear from them all the time. So you need to do that. You have another collections, 180. Open Sky Credit Card, is this open? Is it closed?

• 1:23:49Speaker 05

  It's closed.

• 1:23:50Caleb Hammer?

  Okay, 200 collections there.

• 1:23:53Speaker 04

  You got 200 on that? I thought I had a $100 limit.

• 1:23:56Caleb Hammer?

  147 in collections here. And other collections, 562. This is the person that you're allowing to manage all your finances. And other collections for her, 550. And other collections for her, this is probably, is this another repo? 5,267?

• 1:24:12Speaker 05

  So that one is actually another eviction.

• 1:24:15Caleb Hammer?

  You've had two evictions?

• 1:24:16Speaker 05

  So.

• 1:24:17Caleb Hammer?

  And you let her run the finances. This is incredible.

• 1:24:19Speaker 05

  The.

• 1:24:20Speaker 04

  This one was before me. I figured out about this one here recently that it's still there.

• 1:24:24Caleb Hammer?

  It was before you, so you've had two. Verizon, collections, 58785. More collections, 773. You guys might break a record in terms of amount of collections, and yet you are letting her run this. 389 in that collections. Okay, that's the end of the debt. There's no debt on the current car?

• 1:24:47Speaker 04

  Uh, the current car was a.

• 1:25:19Speaker 04

  Facebook Marketplace card.

• 1:25:21Speaker 05

  Ash for that.

• 1:25:22Caleb Hammer?

  How much?

• 1:25:22Speaker 05

  Uh, 2,000, well, it was 2,000, but he dropped it down to 1,800.

• 1:25:27Caleb Hammer?

  That's why you've had to borrow some money for, right?

• 1:25:29Speaker 04

  He talked it down to 12.

• 1:25:31Speaker 05

  1,200.

• 1:25:31Caleb Hammer?

  That's why you've had to put thousands into it, right?

• 1:25:33Speaker 05

  Yeah.

• 1:25:34Speaker 04

  Yeah, I think we put.

• 1:25:35Speaker 05

  We've already paid like 8,000 on the car, just having it in the shop.

• 1:25:39Caleb Hammer?

  Guys, this is why we get a 10,000 hour car. We don't get a 2,000 hour Dave Ramsey car. It doesn't work.

• 1:25:44Speaker 04

  Yeah, we, we got that car. He showed me bills that he just got out of the shop, this, this, and that. I think it lasted two days before something got thrown out of the oil pan. I don't even remember.

• 1:25:56Caleb Hammer?

  Okay, checking account started with a dollar. That's where we are. And even though it started with a dollar, we got a vending machine, vending machine, Pinkies, going in and getting some bullshit, getting some bullshit, getting some bullshit, Little Caesars, bullshit, Smokers Oasis, bullshit. Uh, Hampton Inn, yeah, but you're buying like food there. Hampton Inn, buying food there. Uh, can't pack a sandwich, apparently. Taco Bell, getting some bullshit. Xbox Game Pass, getting some bullshit. Domino's, Sunday Sizzle, Out West, Funways, going to Taqueria, getting some bullshit, bullshit, bullshit, bullshit, bullshit. Smokers Oasis, bullshit, Whataburger.

• 1:26:34Speaker 04

  I should say all this is on my card, but remember how she said she doesn't use a card without asking me first? She does go out and get food on that card.

• 1:26:41Speaker 05

  No, I don't.

• 1:26:41Caleb Hammer?

  Bullshit. Smokers Oasis, burrito, Sally Beauty. Not working.

• 1:26:45Speaker 04

  Sally's on me.

• 1:26:46Caleb Hammer?

  Spotify Music, All Supps, Vape Shop. Sending out money, $200. Who even knows with that one?

• 1:26:53Speaker 04

  There's all these fast food bills. That's not me going out and eating all the damn time.

• 1:26:57Caleb Hammer?

  Bullshit, bullshit.

• 1:26:59Speaker 04

  Like, I probably go out and eat.

• 1:27:01Caleb Hammer?

  Peacock. That's even on there. Bullshit, Whataburger, HTO.

• 1:27:07Speaker 04

  What are you talking about?

• 1:27:08Caleb Hammer?

  Smokers Oasis.

• 1:27:09Speaker 05

  No more.

• 1:27:10Speaker 04

  Yeah, I said no more eating out, okay.

• 1:27:12Speaker 05

  No more, you're no more spending money.

• 1:27:14Speaker 04

  No more spending, and I went to Burger King that one damn time.

• 1:27:17Speaker 05

  For lunch.

• 1:27:18Caleb Hammer?

  Did you not know this? Did you not know this?

• 1:27:21Speaker 04

  Know what?

• 1:27:22Caleb Hammer?

  Everyone would be excited about this if they knew this. What the, who, what is wrong with you guys? What is wrong with you guys?

• 1:27:31Speaker 04

  What are you looking at?

• 1:27:33Caleb Hammer?

  This is what happens in West Texas? FeetFinder.com.

• 1:27:42Speaker 04

  Do you want something about that one?

• 1:27:45Speaker 05

  I made an account.

• 1:27:47Caleb Hammer?

  No, this is spending money.

• 1:27:48Speaker 04

  Yeah, no, so her little friend talked her into making an account.

• 1:27:52Caleb Hammer?

  Oh.

• 1:27:53Speaker 04

  I didn't find any, there was nothing posted on there, but I found the account, because I was looking for something, something actually important.

• 1:28:00Speaker 05

  My cousin just passed away, so he was looking for, I don't know.

• 1:28:04Speaker 04

  Just full story, her cousin passed away, so I'm digging through her phone, because I'm trying to help out. I'm like, let me find where we're supposed to be going, so I can book hotels, see how much money we need to drive down there, this and that. And I start going through the friends' messages, because she's best friends with her. She tells her things, so I'm like, here's the info that I'm gonna need. And then I find back and forth talks about FeetFinder. I'm like, I told her we're not doing this. I, I'm not married to someone who's selling their body.

• 1:28:32Caleb Hammer?

  Yeah, you are.

• 1:28:32Speaker 04

  So I find these accounts, I look it up, and since I, I log into it, because I figured out the email and the password. So I log in, and then it sticks me behind a paywall before I can delete the account.

• 1:28:44Caleb Hammer?

  You were searching for her.

• 1:28:46Speaker 04

  No, I, I found her account.

• 1:28:47Speaker 05

  He was searching for me.

• 1:28:49Caleb Hammer?

  What is wrong with you?

• 1:28:50Speaker 05

  He was searching for me. It was, it was a.

• 1:28:53Caleb Hammer?

  My cousin died? Let me start doing.

• 1:28:56Speaker 05

  No, no, no, so.

• 1:28:58Caleb Hammer?

  That's a, that's a, that's a new grief.

• 1:29:00Speaker 05

  So my friend, she kept telling me about FeetFinders, and I kept telling her no, but then eventually the talk between me and her was like, all right, fine.

• 1:29:11Caleb Hammer?

  Guys, I'm gonna go through her phone and the photo. Now I just have to. There's shit. I, listen, the fact he only found that out by going through text messages to find something, I'm going through her phone. Again, we're calling her friend, because one of them's a liar about all this shit, but whatever. Wow, no savings, no retirement to speak of. You're in your 30s. That's bad. That is not good. Yeah.

• 1:29:34Caleb Hammer?

  Me too, girl. Me too.

• 1:29:38Caleb Hammer?

  Say you have 3,000 hours even though you couldn't tell me like an actual income, eight or nine. Uh, plus your 600 total household income is $4,409. Your debt minimum to payments luckily for you, most of its collections. Unluckily, I hope they sue your ass and get it garnished, but 367. What's your rent?

• 1:29:59Speaker 04

  Uh, was it 1,600 even? 1,600.

• 1:30:02Caleb Hammer?

  Okay, utilities, internet, all that combined?

• 1:30:06Speaker 05

  Utilities, we pay $70 a month.

• 1:30:10Speaker 04

  The water's included with the property, so we just pay for electric and electric usually falls about $70.

• 1:30:15Caleb Hammer?

  That's insane. Internet?

• 1:30:17Speaker 04

  Uh, internet's part of our phone bill.

• 1:30:19Speaker 05

  349.

• 1:30:20Caleb Hammer?

  Your phone bill's 349?

• 1:30:21Speaker 05

  Yes.

• 1:30:22Speaker 04

  That's what, uh, three lines plus the internet.

• 1:30:25Caleb Hammer?

  What are we doing?

• 1:30:26Speaker 04

  I think.

• 1:30:26Caleb Hammer?

  Gas, room, room, drive, drive, how much?

• 1:30:28Speaker 05

  Uh, $50 every two weeks.

• 1:30:31Speaker 04

  Yeah, I want to say about 50 every two weeks.

• 1:30:33Caleb Hammer?

  $100, car insurance, what?

• 1:30:36Speaker 05

  Um, it was 250 for

• 1:30:38Caleb Hammer?

  What is it now?

• 1:30:39Speaker 05

  Full coverage. Now we're paying 83 for livelihood.

• 1:30:44Caleb Hammer?

  A month? That's it?

• 1:30:45Speaker 05

  A month, yep.

• 1:30:46Caleb Hammer?

  What the? Necessary food. Yeah, it's a big household. This is, this is cooking?

• 1:30:50Speaker 04

  We can usually get away with like

• 1:30:51Caleb Hammer?

  You go out to eat. Shut up. You don't know what you can get away with. You guys with this household, the one year old's on food now, right?

• 1:31:00Speaker 04

  Yeah.

• 1:31:03Caleb Hammer?

  Eight hundred. You're meal prepping, you're warming up food, you're cooking only a few times a week and then there's lots of repeats. TP fund, anything else for you to exist in the kids and tampons and diapers and school activities, 250 dollars. The act that what it goes to changes on a monthly basis, but that's a good baseline. Medical healthcare, are there copays on a monthly basis?

• 1:31:23Speaker 04

  Uh, copays, no, I think we got

• 1:31:25Caleb Hammer?

  Is there a gym?

• 1:31:26Speaker 04

  No.

• 1:31:28Caleb Hammer?

  Subscriptions, I'll give 100 bucks. You have any pets?

• 1:31:32Speaker 05

  Three dogs.

• 1:31:33Caleb Hammer?

  My life. How much for pet supplies? 150 for pet insurance. So you don't do that borrowing thing again.

• 1:31:38Speaker 05

  Yeah.

• 1:31:39Caleb Hammer?

  How much for pet supplies?

• 1:31:40Speaker 04

  We buy $80 worth of dog food a month.

• 1:31:44Caleb Hammer?

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

• 1:31:47Speaker 05

  Hmm, no.

• 1:31:49Caleb Hammer?

  Yeah, I mean, you guys survive. I mean, not by a lot. You have an extra $400 on a monthly basis, but with that $400, guys, you pay off her thousand hour loan in a couple of months, you pay off the moving loan in a few months. Uh, and then minimum to payments on the student loans, your student loans, not your mom's. Then we're paying back your parents as quick as we can. Then we're settling on the, I mean, you'll be out of actually important debt that are not family debt in like less than a year. And then family debt that'll take a while, that'd be a grind. But that's okay. You can come up to a low minimum to payment with them and pay them back in a couple of years.

• 1:32:29Caleb Hammer?

  And besides that, you're just, like, yes, more is going to your needs than I would want, but you're gonna immediately improve your qualifications and get a better job. Then at that point, you guys are 50, 30, 20. 50% on needs, which you can do easily once she gets a better job. Even without her getting a better job, you pay this off in less than a year. Then you just negotiate per collection or just hope they don't sue you. Then yeah, 30% on fun, 20% on investing, because you guys got to catch up. Actually, really not that difficult. Because right now, if you actually budget and stop bullshitting around, you can pay off all the important debt. The bad debt that isn't the family debt pretty quickly.

• 1:33:12Caleb Hammer?

  All right, guys, post show's gonna be wild. I'm gonna go through your phone number. More importantly, we're gonna call the friends and see who the is lying about this situation that happened two weeks ago, because one of them is and I don't know. We'll see what that leads to. It's always crazy though. Let's get the hammer financial score for spending in a budget. You overspend 010 debt. There's collections, 010 emergency fund. There's nothing, 010 retirement, nothing, real estate, nothing. So yeah, that one's easy. 010, but get yours at Calebhammer.com for free. Now join us in the financial audit post show an extra 20 minutes where always the craziest stuff happens. It's a part of our hammer elite membership where you get three premium, high quality shows, just like this one, every single day, six days a week. You can join right here on YouTube by clicking that join button or link below, or you can go off platform at the hammer elite app

• 1:33:54Caleb Hammer?

  or hammerlead.com. It's the same membership on both. We just want to give you more options. I'll see you in the post show. Ladies and gentlemen, they think they're smart. They're not smart. Oh, one day ago, 262 messages with deleted.

• 1:34:07Speaker 04

  What did you delete?

• 1:34:09Caleb Hammer?

  This guy you deleted a message with. Who's this person you deleted a message with?

• 1:34:14Speaker 04

  Are you able to pull any of that stuff back up?

• 1:34:16Caleb Hammer?

  In fact, I can do all them. Welcome to Al week. Al! Are you excited?

• 1:34:21Speaker 04

  Yes, I am.

• 1:34:22Caleb Hammer?

  We have a special week only for hammer elite members. We have seven girls coming in for a pop the balloon challenge.

• 1:34:30Speaker 05

  I wanted to give Al a little present with my 3Ds.

• 1:34:34Caleb Hammer?

  Wow, be eating your last meal on this week's fat and fatter. We're also gonna be doing auto breakdown and off topic.

• 1:34:41Speaker 04

  Honestly, I feel like

• 1:34:45Caleb Hammer?

  She wants to know if you would pee on her.

• 1:34:47Speaker 04

  I don't know about that one.

• 1:34:51Caleb Hammer?

  Make sure you click that join button to join hammer lead the number one membership on YouTube or the link below or download the hammer lead app. Go to hammerlead.com. It's the same membership on all platforms. Join us for our week. 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.

• 1:35:38Speaker 02

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