Affair Exposed On Financial Audit

Your data is being sold right now. My sponsor Aura will find the brokers selling it and remove you automatically. Try 14 days for free: https://aura.com/hammer 💰The Brand New Hammer Elite App & Hammer For Life Box launches June 1st Get first access by joining our waitlist: https://hamr.link/waitlist *THIS IS THE MOST INSANE PHONE CALL I HAVE EVER HEARD* - in today's post show, I made him CALL HER DAD and fully confess to calling the crazy sh*t we found in this episode. I could not belive this, watch here: ➡️ https://bit.ly/chpostshow 💰 Download Dollarwise- 6.0 Is Now *LIVE* - Big Deals, New Features, Free Trial: https://bit.ly/46fiDYP ====================== ============================= 👉 Checking & Savings: get a $200 bonus and earn 3.75% APY on your Savings with Chime®: https://secure.moneymatchup.com/chime-caleb-website 🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb 🔥 Get Your Own *Hammer Financial Score* → https://bit.ly/3JCuwPS ============================= *Sponsors for This Video* ============================= You’re 30 seconds away from being debt free with PDS Debt. Get your free assessment and find the best option for you at https://PDSDebt.com/hammer If you or someone you know experienced serious mental health struggles as a result of social media use, you may be entitled to a potential recovery of over $1,000. Visit https://morganmorganpa.sjv.io/c/7273707/3841482/23429?sharedid=caleb-hammer to submit a claim now. ============================= *Education* ============================= 👉 Get access to EVERYTHING I offer all in one place: https://bit.ly/4sUm2pb ⚡️Learn how to budget: https://bit.ly/4sspyGh ⚡️Learn how to invest: https://bit.ly/41mr8OP ⚡️Pay off your debt: https://bit.ly/41mr8OP ============================= *Check Out My Resources* ============================= 👉 Checking & Savings: Get a $200 bonus and earn 3.75% APY on your Savings with Chime®: https://secure.moneymatchup.com/chime-caleb-youtube-disc 👉 Land a high-paying job with no experience or degree: ➡️ https://coursecareers.com/CalebHammer 👉 See if refinancing your high-interest debt saves money. Checking is free. → https://bit.ly/4vLOStU 👉 Get FREE MONEY by investing with Public! https://secure.moneymatchup.com/public-caleb 👉 Find the best credit cards for you with my quiz! https://cards.calebhammer.com/yt 👉 Get $20 from Acorns for free: ➡️ https://acorns.com/caleb 👉 Helium Mobile: Use promo code CALEB for a FREE plan ➡️ https://hellohelium.com/ 👉 Protect your online privacy and security for free with Aura: ➡️ https://aura.com/hammer ============================= *Chapters* ============================= 00:00 Intro 04:20 All The Debt Is His But Hes Dogging On Her..? 06:55 Chat, Did You Notice The Foreshadowing lol 13:00 She's A F*cking Red Flag 19:30 Love Caleb Setting Up For The Reveal lol 25:15 YIIIKES 30:30 Maybe Cheating Was Kinda Valid (satire) 39:38 Oh The Dads A Racist...? lol 46:30 Selfish. Spoiled. B*tch. 51:10 Jobs & Income lol 01:00:30 Let The Man Decompress!! 01:07:30 Hes Kinda Cooking Her lol 01:22:00 Bullsh*t Bullsh*t Bullsh*t 01:26:20 Budget!! 01:32:45 Hammer Financial Score ============================= Want more content? ============================= 🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips 🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel ============================= *Connect with me!* ============================= TikTok: https://www.tiktok.com/@calebhammercomposer X: https://x.com/sircalebhammer IG: https://www.instagram.com/calebhammercomposer/ Facebook: https://www.facebook.com/calebhammercomposer/ ============================= *Want to be a guest on Financial Audit?* ============================= 👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply *Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. Sponsorship and business inquiries: [email protected] Learn more about your ad choices. Visit megaphone.fm/adchoices

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

• 0:00Speaker 00

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• 0:15Caleb Hammer?

  To watch episodes of Financial Audit a week earlier, check us out on YouTube. You want him to lock you down because you have an extreme anxiety about him leaving you. You're watching all the security cameras constantly at his job. You're making sure he's not talking to anyone, not flirting with anyone.

• 0:30Speaker 02

  He didn't know, though.

• 0:30Caleb Hammer?

  It's still batshit insane. How's his sex life? Okay, well, that's interesting. And his checking account, he's actually purchasing only [BLEEP]. You said that's cheating.

• 0:40Speaker 02

  That is cheating.

• 0:41Caleb Hammer?

  He actually won't have sex with you, even. He was subscribed to two individual ones.

• 0:46Speaker 02

  Why?

• 0:47Speaker 03

  No, no, no, no, no, no, no.

• 0:48Caleb Hammer?

  No, you objectively are. They're right here. You can see them. Wash, wash, washed. Oh, my goodness. Wash, wash, wash.

• 0:54Speaker 03

  If you scroll.

• 0:54Speaker 02

  Just let him talk. Let him call you.

• 0:56Caleb Hammer?

  Wash?

• 0:56Speaker 02

  That's gross.

• 0:58Caleb Hammer?

  June 1st, I'm launching the Hammer Elite app, available on every major platform. Join the waitlist by using the link in the description or pinned comment down below to get a never-before-seen financial audit video and then an exclusive offer just for you. You'll get lifetime access to the entire Hammer Elite catalog and our Hammer for Life box packed with limited-edition merch. So mark your calendar. June 1st. This is the best membership you'll ever join, and that is a promise.

• 1:30Speaker 02

  Hello, I'm Chelsea, and I'm 20 years old.

• 1:32Speaker 03

  I'm Mike. I'm 23 years old. We're from Gainesville, Texas.

• 1:35Speaker 02

  And this is Financial Audit.

• 1:38Caleb Hammer?

  Why won't you marry this woman?

• 1:40Speaker 03

  Well...

• 1:41Caleb Hammer?

  Why won't you marry this woman? I know that's why the [BLEEP] you're here, not marrying her.

• 1:44Speaker 03

  So I feel like our finances has been a big part of our relationship since I've met her. I've been taking care of her since she's left her dad's house and everything.

• 1:54Caleb Hammer?

  When was that? She's 20.

• 1:56Speaker 03

  So...

• 1:56Caleb Hammer?

  So are you taking care of her?

• 1:59Speaker 03

  So we first met at a July 4th party, and she was 18, and she had a boyfriend and everything. And, uh, that night, we were just hanging out. She was drunk, I was sober, and...

• 2:16Speaker 03

  I I I heard that you like me.

• 2:18Caleb Hammer?

  That you guys are like, literally, why'd you start this by line? You guys met when she was 15?

• 2:22Speaker 03

  Oh, yeah, well. Oh, oh, yeah. Oh, oh, whoa, whoa, whoa, whoa, whoa, wait, wait, wait.

• 2:27Caleb Hammer?

  That's right.

• 2:28Speaker 02

  I tried first.

• 2:29Speaker 03

  She, she wanted my Snapchat and I was 18. I was 18.

• 2:32Caleb Hammer?

  I know.

• 2:32Speaker 03

  I was 18. I was like, no, no, please.

• 2:34Caleb Hammer?

  Oh, yeah.

• 2:35Speaker 03

  Yeah.

• 2:36Speaker 02

  But you waited.

• 2:37Speaker 03

  She had like braces and she was like, you know.

• 2:39Caleb Hammer?

  He said no?

• 2:40Speaker 03

  Yeah, I said no.

• 2:41Caleb Hammer?

  Okay.

• 2:41Speaker 02

  He wouldn't give me his number, his Snapchat?

• 2:43Speaker 03

  But my brother did.

• 2:44Speaker 02

  I dated his brother.

• 2:45Speaker 03

  They kissed.

• 2:46Caleb Hammer?

  What's your brother?

• 2:47Speaker 03

  Uh, he's a year, he's 11 months younger than me, a year.

• 2:51Caleb Hammer?

  Okay.

• 2:52Speaker 03

  So you're 17.

• 2:52Caleb Hammer?

  Okay, that's high school bullshit. I don't care about high school bullshit. You kissed his brother, oh. Okay, so you groomed her, waiting for her to turn 18.

• 2:59Speaker 03

  Per se, but you know, we're here now, I mean.

• 3:03Caleb Hammer?

  You're here now and she wants you to pop the ring, pop the question, and yet you won't. And I know it ties back to how everything is completely.

• 3:13Speaker 03

  Yeah.

• 3:14Caleb Hammer?

  But she badges you constantly about wanting to get married. Why are you actually waiting so long? What is happening?

• 3:22Speaker 03

  Well, it's because I feel like in a place we are right now, if we do get married, she would instantly want a child. And I can't afford to support both things. No, no, you have.

• 3:34Speaker 02

  No.

• 3:35Speaker 03

  You, you've had baby fever for a while now.

• 3:37Speaker 02

  But I wouldn't have a baby as soon as we got married.

• 3:41Speaker 02

  And why would it matter? We would be married.

• 3:42Speaker 03

  I mean, I feel like baby would be the next step. And you would always want to do more like steps by step in our relationship.

• 3:52Speaker 02

  You didn't answer why you didn't want to get married?

• 3:55Caleb Hammer?

  Yeah.

• 3:56Speaker 03

  I, I, our finances.

• 3:57Speaker 02

  You said a lot, but nothing.

• 3:58Caleb Hammer?

  You said it about the baby. She's like, uh, she's okay with not getting the baby immediately.

• 4:02Speaker 03

  Well, I, I feel like she says that now, but once we do get married, I feel like that's the next step. And the reason I feel like the finances are such a big thing in my decision to not like pop the question is because I feel like.

• 4:20Speaker 03

  She doesn't understand anything with money.

• 4:24Speaker 02

  But in a marriage, you work together to understand money.

• 4:28Speaker 03

  You don't understand like a worth of the dollar.

• 4:30Caleb Hammer?

  Oh my gosh. Maybe, I mean, do you? I don't know. Who's that is this? Is it all hers?

• 4:35Speaker 03

  It's all mine.

• 4:35Caleb Hammer?

  Okay, so that's okay. It's all yours. Then is it her lack of understanding the value of a dollar? Maybe it's 20. She's likely not gonna, I mean, especially, um, I mean, young people today, apparently is like your children until 25. I don't know. That's what women say.

• 4:52Speaker 02

  Yeah, I think that's true.

• 4:53Caleb Hammer?

  For some reason, we let you.

• 4:54Speaker 02

  That's what Fastbus says.

• 4:55Speaker 03

  That's what does Fastbus say.

• 4:57Caleb Hammer?

  Uh huh. Well, we let you vote at 18, serve in the military, drive at 16 and, uh, but okay. You can't decide if you're able to get a, go on a date with someone at 19, but yep, you're a child until 25. Yes, of course. So, okay, maybe, maybe there's some truth to that. Not really. But even still, maybe she's more financially immature. She hasn't, are you in college? What are you doing?

• 5:17Speaker 02

  I am in college.

• 5:18Caleb Hammer?

  Well, there you go. So she hasn't really been, uh, an adult yet, cause it's still like a playground. College is like a playground. It's like, it's not much. There's really no real world experience in college.

• 5:29Speaker 03

  The only reason she wants to get married is because she see, sees her cousins want to get married. And that's literally the only reason.

• 5:36Caleb Hammer?

  You're dressing like you're inbred, but.

• 5:38Speaker 03

  What, us?

• 5:39Caleb Hammer?

  Her with the camo and all that shit. You're in Dallas. I don't know what the heck you're doing.

• 5:45Speaker 02

  Well, my cousin's younger than us and she got married and she's having a baby.

• 5:50Caleb Hammer?

  Okay, so what is the baby thing? You want to get baby? Cause I know, cause this might actually ruin your relationship, because you cornered him at a baby shower while he was drunk. You were just badgering, badgering and badgering him.

• 5:59Speaker 03

  Oh dude.

• 6:00Speaker 02

  It wasn't fair. It wasn't fair.

• 6:02Caleb Hammer?

  You sent him cheap wedding rings constantly on a daily basis. You saw someone at the baby shower, uh, get engaged and you completely lost your shit.

• 6:12Speaker 03

  Bro, like literally two nights ago, she was like, I can't do four years of this. I can't do four years of this.

• 6:17Speaker 02

  Forever.

• 6:18Caleb Hammer?

  You're a college.

• 6:19Speaker 02

  Yeah, and I'm not.

• 6:20Caleb Hammer?

  Yeah, and also you're 20. So like it won't be forever a few years from now. The thing is like, hey, if you feel she's the one, yeah, sure, sure. Wrap it up.

• 6:27Speaker 03

  Yeah, I do.

• 6:28Caleb Hammer?

  Get married.

• 6:29Speaker 03

  I do, I do want to get married.

• 6:30Caleb Hammer?

  Wait a second, like how long, so how long have you guys been together?

• 6:33Speaker 02

  Three years.

• 6:36Caleb Hammer?

  See, that also doesn't line up with the 20-year-old age. Just gonna let you know.

• 6:41Speaker 03

  But she's about to turn 21, like next month.

• 6:44Caleb Hammer?

  Uh huh. So you've been together for three years. I do, you think I give a shit if a 19-year-old was as a 17-year-old? Like, who gives a shit? It doesn't, well, you guys like...

• 6:55Speaker 03

  The thing is, she also had a boyfriend at the time.

• 6:59Caleb Hammer?

  Yeah.

• 6:59Speaker 03

  I stole her. I stole her.

• 7:01Caleb Hammer?

  Okay, she cheated on him.

• 7:02Speaker 03

  Yeah, yeah.

• 7:03Speaker 02

  Yeah.

• 7:05Caleb Hammer?

  You cheated on your boyfriend?

• 7:06Speaker 02

  Well, I don't like to say that out loud.

• 7:08Caleb Hammer?

  But you did.

• 7:08Speaker 02

  Mm-hmm.

• 7:09Caleb Hammer?

  It happened.

• 7:09Speaker 02

  I did.

• 7:10Caleb Hammer?

  You did. Hopefully it doesn't happen again.

• 7:12Speaker 03

  No, it won't. No, it won't.

• 7:15Caleb Hammer?

  Well, what? You were 17, alright? So you were 17, and I don't know, it's like a high school, high school cheat. It's like, this is like barely even real life. I don't really care.

• 7:24Speaker 02

  He went to the military. He left, so...

• 7:26Caleb Hammer?

  Okay, so you're a bitch.

• 7:27Speaker 03

  Yes, yes.

• 7:28Speaker 02

  I sent a letter.

• 7:29Caleb Hammer?

  Saying I'm breaking up with you?

• 7:30Speaker 03

  I wrote the letter with AI.

• 7:32Caleb Hammer?

  But did he fuck you before you broke up with him?

• 7:33Speaker 02

  Yeah.

• 7:34Caleb Hammer?

  See?

• 7:35Speaker 03

  Multiple times.

• 7:36Caleb Hammer?

  Uh huh. So you're a...

• 7:39Speaker 02

  No, I don't think so.

• 7:40Caleb Hammer?

  Well, what's your fear? Because you left the guy. Here's what I have from the notes. You left the guy, you cheated on him because you're a s... But the thing is, you want him to lock you down because you have an extreme, constant anxiety about him leaving you. So you think if you go ahead and get married, he can't leave you. Just because you were a horrible bitch to someone doesn't mean he's gonna be a bitch to you. Just because you're a whore doesn't mean he will. Have you ever cheated on someone?

• 8:08Speaker 03

  No, bro.

• 8:09Caleb Hammer?

  Okay, see? Doesn't mean he'll be...

• 8:11Speaker 03

  Well, the thing is, like, I feel like he, he wanted to marry you. Like, he, he wanted to get all those benefits of, like, marrying someone. So you guys were gonna get married and stuff. And then I came along and you were like, "I wanna be with him instead."

• 8:24Speaker 02

  Yeah.

• 8:25Speaker 03

  And ever since then, you've been on this, like, marriage crusade.

• 8:28Caleb Hammer?

  Well, she's afraid, she's literally afraid of you leaving, like, actually afraid of you leaving. And, I mean, I would personally actually be afraid of marrying this, which is you. I mean, that's actually what I'd be afraid of.

• 8:38Speaker 02

  And I'm okay with marrying that.

• 8:39Caleb Hammer?

  But she, no, it's because, no, you have something wrong with you.

• 8:42Speaker 03

  Yes.

• 8:43Speaker 02

  What?

• 8:44Caleb Hammer?

  No, you're obsessed with him. You bailed on that dude, you're obsessed with him, you're watching all the security cameras constantly at his job when you first started dating. Watching, making sure he's not talking to anyone, not flirting with anyone, because it's your own security. It's because you're a cheater. Because you're a cheater, you think he's gonna leave. Because you're a cheater, you think he's gonna cheat.

• 9:05Speaker 03

  Yeah, that's, that's one of the things. I feel like there, there hasn't been a line of trust with her. She doesn't really trust me fully. And I feel like it's just stents from her mother in a way. Cause her mother like did some batshit to her when she was younger.

• 9:19Caleb Hammer?

  She's a cheater. She cheated. Buddy, she lost her shit when he's, when she saw you be too friendly with a coworker.

• 9:27Speaker 02

  Cause I didn't want people to think that they were dating.

• 9:30Caleb Hammer?

  He's friendly with the coworker.

• 9:33Speaker 02

  He was picking her up. He was picking her up.

• 9:35Speaker 03

  Okay, okay. Like, I get it.

• 9:37Speaker 02

  Chasing her, recording her, pulling her hair. That's weird.

• 9:41Caleb Hammer?

  Actually, maybe that's.

• 9:42Speaker 03

  Pulling her hair is kinda crazy.

• 9:44Speaker 02

  He would pull her hair.

• 9:45Caleb Hammer?

  Well, if you were, that is actually a little fucking.

• 9:46Speaker 02

  Right. I didn't want people to think that they were.

• 9:48Speaker 03

  But why are you watching the cameras?

• 9:50Caleb Hammer?

  Yeah, that's also insane, by the way. Batshit insane.

• 9:53Speaker 02

  Well, my aunt let me. She'd be like, here, you can watch him.

• 9:56Caleb Hammer?

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• 10:37Caleb Hammer?

  from these sites and keeping it off because I'm not spending my weekend emailing shady websites begging for my data back. And yeah, there are other services out there, but none of them offer as many features as Aura does for the same price. You get alerts if your info shows up on the dark web, real-time fraud alerts for your bank and credit accounts, and 24/7 monitoring to keep your identity secure. It also includes a VPN, antivirus, and a password manager. And if something does go wrong, you've got US-based support available around the clock, plus up to $5 million in identity theft insurance with fraud experts ready to help. Take back control of your data. Go to aura.com/kaleb to try it free for 14 days and let it start scrubbing your personal info off these data broker sites. Alright, let's get back to the episode.

• 11:22Caleb Hammer?

  Yes, but that doesn't change it. It's still batshit insane.

• 11:26Speaker 02

  He didn't know though.

• 11:27Caleb Hammer?

  Because you're a cheater, you think he's going to cheat.

• 11:30Speaker 03

  Yeah, why don't you trust me?

• 11:32Speaker 02

  I do trust you.

• 11:33Caleb Hammer?

  No, no, no, she's afraid of you leaving. It's not that she doesn't trust you. She's terrified of you leaving, finding someone better, someone not so shit.

• 11:43Speaker 03

  I mean, I love her.

• 11:44Caleb Hammer?

  Oh, that was a cope laugh if I've ever heard it. Why do you say that?

• 11:47Speaker 02

  Because every time we talk about breaking up, he like cries, like gets on his hands and knees and he cries. Don't leave me.

• 11:54Caleb Hammer?

  Gay?

• 11:55Speaker 03

  No, it's not. It's not that.

• 11:56Caleb Hammer?

  What's wrong with being gay?

• 11:57Speaker 03

  No, I don't have problems with the gays, okay? It's just, uh, I feel like she doesn't understand that every argument we have, it ends up with her saying, this is my house. This is my house.

• 12:11Caleb Hammer?

  She says this?

• 12:12Speaker 03

  Yes.

• 12:12Caleb Hammer?

  It's your, you own a house?

• 12:14Speaker 02

  No, my dad bought it for me. So technically, it is my house.

• 12:18Caleb Hammer?

  You're a cheater and a spoiled bitch.

• 12:21Speaker 02

  It is my house.

• 12:22Caleb Hammer?

  This is why you don't have debt or anything, because you're spoiled from the parents. What college do you go to?

• 12:27Speaker 02

  NCTC. It's a community college.

• 12:30Caleb Hammer?

  Hmm, okay, nevermind. Okay.

• 12:32Speaker 02

  And I pay for it.

• 12:34Speaker 03

  No, you have a loan. You have a loan.

• 12:36Speaker 02

  No, I had a loan, had.

• 12:37Caleb Hammer?

  You pay for it, but that kind of works like that when your parents have bought you everything and you have no overhead. Yeah, that's easy to do.

• 12:43Speaker 02

  That's what your parents are supposed to, help you.

• 12:45Caleb Hammer?

  Yeah, not buy you a house. It's cool that they can, but you also haven't learned anything by 20, and that's one of his big fears.

• 12:52Speaker 02

  Hmm.

• 12:53Speaker 03

  Well, I feel like the way it happened is because our apartment was way too expensive, and you were like, kind of like crying about it, be like, hey, they're raising our rent and stuff like that. And they're like, oh, let's help you out. Let's buy you a house.

• 13:06Speaker 02

  Well, my parents, we were at a Christmas party and they were drinking, and I asked them. So they drunkenly told me yes.

• 13:12Caleb Hammer?

  Dude, you're on the phone with Lindsay, literally bragging like crazy that you use your parents like an ATM. Bragging. It's not a joke, that's not a good thing.

• 13:21Speaker 02

  I love my dad and he helps.

• 13:22Caleb Hammer?

  That's who you want to be with? Someone that's gonna?

• 13:24Speaker 02

  My dad helps him too.

• 13:26Speaker 03

  No, the thing is-

• 13:27Caleb Hammer?

  Yeah, but she's gonna like, just endlessly be draining money from you forever.

• 13:31Speaker 03

  I feel like the reason your dad helps me is because he's doing it for you. And I feel like that's something that, I, I want to like have things of my own, and things that you can't say it's yours only, and it's your truck and stuff like that. Because he was gonna put the title of my truck in your name, because he was scared that I would take the car away from you. If we ever did break up, that I paid for, all out.

• 13:57Speaker 02

  No, I paid for the car.

• 13:58Speaker 03

  No, I paid for the truck, like all of it.

• 14:01Speaker 02

  He wanted to put the truck in my name, even though he paid for it, because it was my dad's truck.

• 14:05Caleb Hammer?

  Okay, I don't know. So, listen, I mean, I get, no, actually, not, not. You guys have been together so long, I actually don't understand the dramatic fear of him leaving. What is this? What is this? Watching the cameras and all this freaky bullshit, it's so weird. What, where is this fear coming from? Where's this severe anxiety coming from?

• 14:25Speaker 02

  I don't know. I don't know where the fear is coming from.

• 14:27Caleb Hammer?

  Why do you think he's gonna leave?

• 14:28Speaker 02

  I don't think that he's gonna leave.

• 14:30Caleb Hammer?

  Then where, that, well, you wouldn't have anxiety about him leaving if you don't think he would leave. There's a part of you that clearly does, enough to boil up to extreme anxiety, I'm being told. So, where does that come from? What? What is it? What have you seen? What have you thought?

• 14:45Speaker 03

  Yeah. Yeah, what do you think?

• 14:48Speaker 02

  Well, he flirts with all his coworkers.

• 14:50Speaker 03

  Okay, I work in a shop with a bunch of guys.

• 14:53Speaker 02

  Not now.

• 14:54Speaker 03

  Yeah.

• 14:54Speaker 02

  Now.

• 14:55Speaker 03

  I flirt with guys now?

• 14:56Speaker 02

  That's so awesome, endearing. There, there was a girl.

• 14:59Caleb Hammer?

  Again, homophobic, I don't understand why.

• 15:00Speaker 02

  There was a girl that he worked with that wanted to marry him so she could get her green card.

• 15:05Caleb Hammer?

  Okay.

• 15:06Speaker 03

  We're high school friends.

• 15:08Speaker 02

  No, that's weird.

• 15:08Caleb Hammer?

  We're high school friends. Is she hot?

• 15:10Speaker 02

  She's okay.

• 15:11Speaker 03

  She's, yeah.

• 15:12Speaker 02

  But she's a-

• 15:13Caleb Hammer?

  Show me a picture.

• 15:14Speaker 03

  Okay.

• 15:16Caleb Hammer?

  Yeah, call her mid in front of the one that's terrified about you leaving.

• 15:20Speaker 02

  She's okay.

• 15:22Caleb Hammer?

  Tell me, how long were you with him while you were with that other guy? Be real.

• 15:28Speaker 02

  Like three, probably like three weeks, a month.

• 15:30Caleb Hammer?

  That's crazy. That, just because you're a bad person doesn't mean he's going to be a bad person and leave you for someone else. You gotta stop with this.

• 15:41Speaker 03

  Your brother?

• 15:42Caleb Hammer?

  No, she's actually kinda-

• 15:44Speaker 02

  See, that picture's even weird.

• 15:46Caleb Hammer?

  Uh, she's, she's, yeah, like-

• 15:47Speaker 03

  That's an old picture.

• 15:48Caleb Hammer?

  Probably a seven.

• 15:49Speaker 03

  Seven, it's crazy. Mid.

• 15:52Caleb Hammer?

  Yeah, maybe.

• 15:53Speaker 02

  Well, she was enough for me to freak out about.

• 15:55Caleb Hammer?

  Yeah, which is fair, because you're probably like a- Seven as well. So yeah, I mean, it makes sense.

• 16:03Speaker 02

  Yeah.

• 16:04Caleb Hammer?

  Yeah. So fair enough. Now, when you guys immediately got together, though, all of your finances were immediately split fifty fifty, which is crazy because you were seventeen. Like, what the we're doing with that? And you were, what, twenty? Well, I hope yeah. So nineteen, twenty, whatever. It doesn't really matter. Um, that's a crazy time to be combined. What are you guys trying to speed run? Because you're like, it's the nineteen twenties or something.

• 16:26Speaker 03

  I think we are rushing through life. We're not taking everything slowly. But the thing is, like, we, we, we have goals and at, at like, we want things to happen.

• 16:40Caleb Hammer?

  No, how long is she gonna stick around? I know she's afraid of it now, but how long is she gonna stick around if you don't actually put some work in?

• 16:46Speaker 02

  I said four years.

• 16:47Speaker 03

  She said four years.

• 16:48Caleb Hammer?

  Four years from?

• 16:50Speaker 03

  No, no, no, no. Like, like.

• 16:52Caleb Hammer?

  Four years from? When?

• 16:54Speaker 03

  No, no. If it doesn't happen in a year or so, we're done.

• 16:57Speaker 02

  Mm hmm.

• 16:57Speaker 03

  Four years of like, yeah.

• 16:59Caleb Hammer?

  And what's your hesitation?

• 17:01Speaker 03

  It's, I feel like.

• 17:02Caleb Hammer?

  Finances.

• 17:03Speaker 03

  Because she doesn't talk about them at all. Like, she doesn't, she blocks it out.

• 17:07Caleb Hammer?

  You don't like to. You want to be a wife, but you're not willing to talk about the household? What the fuck is wrong with you?

• 17:12Speaker 02

  Because it's not my finances that are like bad.

• 17:14Caleb Hammer?

  No, but talking about the finances is still important because they're going to be united, essentially.

• 17:18Speaker 02

  I don't understand when he talks about them.

• 17:20Caleb Hammer?

  Okay, well, you might have to down.

• 17:23Speaker 02

  Gives me anxiety.

• 17:24Caleb Hammer?

  You might have to dumb them down. I know. I know. Yes. A little SSRI girl. Yep.

• 17:28Speaker 03

  She has a weird, like, a weird relationship with money. I feel like she doesn't understand when I talk about like my credit cards or anything or my bills coming up.

• 17:37Caleb Hammer?

  Maybe not. You might have to dumb it down. That's okay. But why aren't you willing to talk about it? Like, what? You get anxious from that? You get anxious about him leaving? You don't have money trauma. You've been spoiled like crazy. Why aren't you at least willing to talk? Even if you don't fully understand, just talk.

• 17:52Speaker 02

  I do try to talk.

• 17:53Speaker 03

  No, you don't.

• 17:54Speaker 02

  Yes, I do.

• 17:54Speaker 03

  She, she says her stomach hurts. She can't talk. You're giving me a headache if you're talking about finances. Like, any conversation that I bring up.

• 18:00Speaker 02

  I don't understand what he talks about. I don't understand it.

• 18:03Caleb Hammer?

  Also, when you get anxious, yes, your stomach hurts. Go shit. Come back. It's fine. That's what happens when I get anxious.

• 18:10Speaker 02

  No, I like to lay down when my stomach hurts.

• 18:11Caleb Hammer?

  Good. Lay down and talk.

• 18:13Speaker 02

  Hmm hmm.

• 18:14Caleb Hammer?

  You don't get to just walk away from everything, everything when you feel just slightly uncomfortable, though. Because the hardest things in life, the things that you'll want to get to together, especially as a couple, will require some uncomfortable moments, some anxious moments.

• 18:29Speaker 02

  But I don't understand the problem.

• 18:31Caleb Hammer?

  What is the state of this relationship right now?

• 18:33Speaker 03

  Okay, we've been arguing lately because I've been working a lot. Like, I work 14-hour days every week.

• 18:40Caleb Hammer?

  Isn't that a good thing, though, so he can pay off his debt? No, it's because you don't know how bad debt is because you're a spoiled bitch.

• 18:47Speaker 02

  I don't know what his debt looks like. I don't know.

• 18:50Caleb Hammer?

  Well, because you won't let him tell you.

• 18:51Speaker 02

  He won't tell me the truth.

• 18:53Speaker 03

  I would want to tell you, but the thing is, you don't want to hear it. Like, I do want to tell you what I have, but the thing is, I don't tell her what I purchase.

• 19:03Caleb Hammer?

  Why?

• 19:04Speaker 03

  Because if I'm doing something and I want to get something, I just get it.

• 19:08Caleb Hammer?

  I'm talking about reflection afterwards. Like, at the end of the month, we sit down and we talk about where money went.

• 19:12Speaker 03

  I want to, but I want to do that, but the thing is with you, you just... You spend your money like it's no care in the world. You spend it like, "Oh, I'll get it back."

• 19:25Caleb Hammer?

  You're not? So you have a problem with him working a lot?

• 19:28Speaker 02

  Yes.

• 19:29Caleb Hammer?

  Why?

• 19:30Speaker 02

  Because then he doesn't help me at home at all.

• 19:32Caleb Hammer?

  Help you at home? What's helping you at home?

• 19:34Speaker 02

  He could do the dishes. He don't do the dishes or clean the toilet.

• 19:37Caleb Hammer?

  So don't be arguing right now and, um... How's the sex life?

• 19:42Speaker 03

  Anyway, how is your sex life? So, I have my wisdom teeth taken out, so it's been a couple weeks.

• 19:49Speaker 02

  Three?

• 19:50Speaker 03

  It's because she...

• 19:50Caleb Hammer?

  What? What's this? Is that a thing? Okay, no, I'm being told no.

• 19:56Speaker 03

  No, it's like weird to kiss somebody with...

• 19:58Speaker 02

  He has holes in his mouth.

• 19:59Caleb Hammer?

  Still.

• 20:00Speaker 02

  But he had holes in his mouth.

• 20:02Speaker 03

  I wanted to, but she's like icky about it.

• 20:05Speaker 02

  It weirded me out. No, the holes in his mouth.

• 20:07Caleb Hammer?

  Don't kiss him. Just have sex, no kiss. For a second.

• 20:10Speaker 02

  That's weird.

• 20:11Caleb Hammer?

  Before that, with all the craziness going on...

• 20:14Speaker 02

  Not good.

• 20:15Caleb Hammer?

  It's not good. It's winding down. Why do we think it's not good?

• 20:19Speaker 03

  Yeah, why? Because you're the person...

• 20:21Speaker 02

  Probably because we argue all the time.

• 20:23Caleb Hammer?

  So he's arguing all the time?

• 20:24Speaker 03

  No, I don't argue. She argues with me.

• 20:26Speaker 02

  He doesn't listen.

• 20:27Caleb Hammer?

  We're arguing all the time. Our sex life has gotten bad. All we want to get married. Is he allowed to watch porn?

• 20:34Speaker 02

  No.

• 20:35Caleb Hammer?

  And not have sex?

• 20:36Speaker 02

  No porn.

• 20:37Speaker 03

  Nope.

• 20:38Caleb Hammer?

  That's a hard rule?

• 20:39Speaker 03

  Yeah, it's cheating, per se, in her eyes.

• 20:42Caleb Hammer?

  Really?

• 20:43Speaker 02

  Yeah.

• 20:44Caleb Hammer?

  Okay.

• 20:45Speaker 02

  Or looking at anything.

• 20:45Caleb Hammer?

  So what was it before?

• 20:48Speaker 02

  Our sex life?

• 20:49Caleb Hammer?

  Yeah.

• 20:49Speaker 02

  It was good at first.

• 20:51Caleb Hammer?

  No, no, no, no, no. I'm saying, you said it was bad before the wisdom teeth.

• 20:54Speaker 02

  Yeah.

• 20:55Caleb Hammer?

  How bad?

• 20:56Speaker 03

  Oh, once a week.

• 20:58Speaker 02

  But she's been on a lot. Not once a week, once a month.

• 21:00Caleb Hammer?

  Once a month?

• 21:01Speaker 02

  Yeah.

• 21:01Caleb Hammer?

  Okay, so.

• 21:02Speaker 02

  He's just trying to make self look.

• 21:03Caleb Hammer?

  So, once a month, so it's deteriorating because of the fighting.

• 21:07Speaker 02

  Mm-hmm.

• 21:07Caleb Hammer?

  And he can't watch porn.

• 21:09Speaker 02

  No.

• 21:09Caleb Hammer?

  He needs to [BLEEP] you instead of watching porn, right?

• 21:12Speaker 02

  Yeah.

• 21:12Caleb Hammer?

  Okay, well, that's interesting. And his checking account, he's actually purchasing only [BLEEP].

• 21:18Speaker 02

  I didn't even, are you for real?

• 21:20Speaker 03

  Okay, I think that's a recurring payment, and I canceled it that month. I swear. I swear.

• 21:27Speaker 02

  That's so gross. That's so gross.

• 21:29Caleb Hammer?

  Gross, you said that's cheating.

• 21:31Speaker 02

  That is cheating.

• 21:32Caleb Hammer?

  He actually won't have sex with you even.

• 21:34Speaker 03

  Well, I won't have sex with you?

• 21:36Caleb Hammer?

  You're at once a month.

• 21:38Speaker 03

  No, I, no, I'm the one that instigates sex. She doesn't want to have sex with me.

• 21:43Caleb Hammer?

  Is that true?

• 21:45Speaker 02

  Most of the time, yeah.

• 21:46Caleb Hammer?

  Why?

• 21:46Speaker 02

  I'm tired.

• 21:47Speaker 03

  No, you're, I think.

• 21:48Caleb Hammer?

  Okay, even still, you're tired, that's fine, got it, but no porn's the rule. Not only is he watching [BLEEP], which is, uh, free, he's paying.

• 21:57Speaker 03

  Okay, okay.

• 21:59Speaker 02

  Like, right now?

• 22:00Speaker 03

  I noticed that during that month, because I have locked it in.

• 22:04Caleb Hammer?

  It was the most recent month.

• 22:05Speaker 02

  Oh, my.

• 22:06Speaker 03

  It is?

• 22:07Caleb Hammer?

  What do you think?

• 22:08Speaker 02

  That's so bad.

• 22:09Speaker 03

  That is bad.

• 22:09Caleb Hammer?

  Really, this seems like an underreaction, I'll be honest.

• 22:12Speaker 03

  That is really bad, like, I should have canceled a long time ago.

• 22:15Speaker 02

  I don't, I don't know what to think about it.

• 22:17Caleb Hammer?

  What's actually happening in your brain?

• 22:20Speaker 03

  No, you gotta.

• 22:21Speaker 02

  I'm in shock. Like, I'm actually in shock.

• 22:24Caleb Hammer?

  In shock? Are you angry, are you?

• 22:26Speaker 02

  I am a little angry, I mean, maybe that's why he doesn't let me go.

• 22:30Speaker 03

  The thing is.

• 22:31Speaker 02

  Through his finances.

• 22:32Caleb Hammer?

  Is that why?

• 22:33Speaker 02

  I don't know what he spends his money on.

• 22:35Caleb Hammer?

  Let me see your phone.

• 22:40Speaker 03

  Here you go bud.

• 22:42Speaker 02

  And I don't go through his phone, so I wouldn't even know.

• 22:46Caleb Hammer?

  Uh huh. Well, you shouldn't.

• 22:49Speaker 02

  I feel like if I go through his phone, I'll find something.

• 22:52Caleb Hammer?

  It was a hard rule to say no.

• 22:55Speaker 02

  Mm-hmm.

• 22:55Caleb Hammer?

  This is when did we agree on?

• 22:57Speaker 04

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• 23:27Speaker 02

  Why didn't we first start dating? Cause he used to be addicted to it.

• 23:30Caleb Hammer?

  No, I said. Really?

• 23:32Speaker 02

  He started watching like seven.

• 23:34Caleb Hammer?

  He was addicted to it and yeah, he was paying for only last month?

• 23:38Speaker 03

  Here you go bud.

• 23:40Caleb Hammer?

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

• 24:25Caleb Hammer?

  And here's the thing, there's no minimum credit score required. They're not here to judge you. They're not here to shame you. They're here to help you get out and help you save more. Pay off your debt faster and start putting money back in your pocket. This is a company that is A-plus rated by the Better Business Bureau, boasts thousands of five-star reviews on Google, and holds a five-star rating on TrustPilot. That legitimately matters. Here's the thing, if I needed help paying off debt, this is exactly where I'd go for help. You're just 30 seconds. away from being debt free with PDS debt get your free assessment and find the best option for you right now at PDS debt.com slash hammer that is PDS debt.com slash hammer PDS debt.com slash hammer

• 25:00Caleb Hammer?

  If you or your child spent years growing up on social media and experienced serious mental health struggles you should hear this recently a jury ordered meta and YouTube to pay millions for their role in designing and promoting addictive platforms they knew their apps could contribute to anxiety depression and body image issues but did not share those risks while prioritizing profits the recent historic verdict underscores the consequences of those decisions now Morgan and Morgan is stepping up to hold these platforms accountable for the harm they caused click the link in my bio to take a short quiz you may be entitled to a potential recovery of over $1,000

• 25:41Caleb Hammer?

  Uh no they were a day apart I'm not 100% sure but no multiple ones

• 25:46Speaker 03

  How long ago?

• 25:48Caleb Hammer?

  Yeah the most recent month

• 25:49Speaker 02

  This year?

• 25:50Caleb Hammer?

  Yes multiple months into this year absolutely he's been paying for a lot in fact he tried one on in February he tried one in March then another one end of March he's actually subscribing to a lot of only people

• 26:04Speaker 02

  Why?

• 26:05Speaker 03

  No no no no no no

• 26:07Caleb Hammer?

  No you objectively are they're right here you can see them

• 26:09Speaker 03

  Yeah but like the thing is

• 26:11Caleb Hammer?

  Like you can't just say no like they are they're right there

• 26:15Speaker 03

  Why? I I okay so

• 26:21Caleb Hammer?

  I'm sorry yeah listen here's the reality the reason I'm bringing this up you want him to propose to you he's not proposing to you you guys' sex lives are a disaster you won't talk you won't communicate he won't propose but he'll actually go and subscribe to only people even though you've had a hard rule not to because he had a addiction in the past

• 26:38Speaker 03

  Yes

• 26:39Caleb Hammer?

  And now he's literally paying for multiple OFers a month

• 26:42Speaker 03

  Well I feel like

• 26:43Caleb Hammer?

  Multiple OFers a month dude this is a cope any kind of rebuttal to that is insane

• 26:48Speaker 03

  But I feel like our sex life has been going down since our like two first two years and I feel like

• 26:56Speaker 02

  But that's cheating

• 26:57Speaker 03

  It is cheating

• 26:58Caleb Hammer?

  Here's one of them

• 26:59Speaker 02

  Cheating

• 26:59Speaker 03

  Oh Jesus

• 27:01Speaker 02

  You're so, that's so bad.

• 27:04Speaker 03

  Yeah, that is pretty bad. Uh, but in a way-

• 27:08Speaker 02

  And my dad's gonna see this.

• 27:09Speaker 03

  Yes, he-

• 27:10Speaker 02

  Good luck.

• 27:10Speaker 03

  Yeah, that'd be a conversation. But your dad watches-

• 27:13Speaker 02

  No, he doesn't!

• 27:14Caleb Hammer?

  I, I know this one.

• 27:15Speaker 02

  Why would I?

• 27:16Speaker 03

  Yeah, how you know this one, Caleb?

• 27:17Caleb Hammer?

  I've never paid for it, but she's everywhere on social media. She's the one that goes onto Lamborghinis and like smashes-

• 27:22Speaker 03

  Okay, honestly, that's why I purchased that one, because I was curious.

• 27:25Caleb Hammer?

  Uh, a month ago, but by the way-

• 27:27Speaker 03

  It was, it was-

• 27:28Caleb Hammer?

  They're fake, they're fake, and they're not very good.

• 27:32Speaker 03

  Because you can see the purchasing price, it was like $5.99.

• 27:34Speaker 02

  Why do you even have it?

• 27:35Caleb Hammer?

  Do you hear this?

• 27:36Speaker 03

  It was a deal!

• 27:37Speaker 02

  Why do you even look?

• 27:38Caleb Hammer?

  He thinks this is a joke. This isn't a joke, is this a joke to you?

• 27:41Speaker 02

  No.

• 27:41Caleb Hammer?

  Because he's actually treating it as one.

• 27:43Speaker 02

  It's not a joke.

• 27:47Caleb Hammer?

  He's legitimately treating it like one.

• 27:49Speaker 03

  It's not a, I know-

• 27:50Speaker 02

  You said you got it because it was on sale?

• 27:53Speaker 03

  It wasn't, it was risky pictures you could post on Instagram. It was bikinis.

• 27:58Caleb Hammer?

  No!

• 27:59Speaker 03

  Deadass, deadass.

• 28:00Caleb Hammer?

  I know her!

• 28:01Speaker 03

  No, deadass.

• 28:02Caleb Hammer?

  That's not because she's the-

• 28:03Speaker 03

  That whole month, it was just lingerie. Purchase it.

• 28:06Caleb Hammer?

  It was not.

• 28:08Speaker 03

  Yes, swear.

• 28:11Speaker 03

  Bro, that's gonna ch- with-

• 28:14Speaker 03

  Hopefully not.

• 28:15Caleb Hammer?

  And here's the other one. So, those are his most-

• 28:17Speaker 03

  Okay, okay, I know why I got that one. Because she, she, she like-

• 28:23Caleb Hammer?

  That's his most recent.

• 28:26Speaker 03

  This year.

• 28:28Caleb Hammer?

  The most recent, yes, from here. And this one's the one he's currently following.

• 28:34Speaker 03

  I currently follow somebody?

• 28:35Caleb Hammer?

  Yes! Asshole?

• 28:38Speaker 03

  Yeah.

• 28:39Caleb Hammer?

  Yes! You're such a prick, dude.

• 28:42Speaker 03

  My bad.

• 28:43Caleb Hammer?

  Liar. Her.

• 28:47Caleb Hammer?

  That's who he's currently on.

• 28:49Speaker 02

  And so you're watching-

• 28:50Speaker 03

  But that's free.

• 28:52Speaker 02

  It's only if it's an app? Or you have to search it?

• 28:54Caleb Hammer?

  It's a website.

• 28:55Speaker 02

  So you searched it?

• 28:56Speaker 03

  No.

• 28:57Speaker 02

  Yes, you did. You probably have an account.

• 28:58Speaker 03

  I, I do have an account, but I got it before you. And, uh, yeah, I was just doing it because there was deals and they're kind of promoting it and, uh-

• 29:10Speaker 02

  That's so weird.

• 29:11Speaker 03

  But the thing is, I stopped. I did cancel them.

• 29:14Caleb Hammer?

  Dude, right before you came on the show, which is what everyone does. Dude, you got-

• 29:22Caleb Hammer?

  You got caught?

• 29:23Speaker 03

  Yeah, I did. 4K.

• 29:26Caleb Hammer?

  And that's it?

• 29:27Speaker 03

  Yeah.

• 29:28Caleb Hammer?

  What do you think? What are your actual, real thoughts? I know you're, you're playing like, you're playing chill.

• 29:32Speaker 02

  Maybe your mom has an extra room for you.

• 29:34Caleb Hammer?

  Are you actually thinking that?

• 29:36Speaker 02

  Well, probably.

• 29:36Caleb Hammer?

  Or are you just joking?

• 29:40Speaker 02

  Cause all her sons moved back in.

• 29:42Speaker 03

  No.

• 29:44Caleb Hammer?

  Are they all?

• 29:44Speaker 02

  So, just family reunion.

• 29:48Caleb Hammer?

  Okay.

• 29:51Speaker 03

  Thank you, big guy. Oh, for real?

• 29:54Caleb Hammer?

  Yeah.

• 29:55Speaker 03

  Here you go.

• 29:58Caleb Hammer?

  So, you've been afraid and anxious, anxious of him leaving.

• 30:04Speaker 02

  Mm-hmm.

• 30:08Caleb Hammer?

  And of him looking at other girls and all that stuff. And then you caught that.

• 30:13Speaker 03

  Yeah.

• 30:13Caleb Hammer?

  Did he cheat?

• 30:14Speaker 02

  That's cheating.

• 30:15Speaker 03

  That is cheating.

• 30:16Speaker 02

  You're paying for it.

• 30:16Caleb Hammer?

  What do you think about it? Yeah, how was he gonna pay for it? Actually, come on.

• 30:21Caleb Hammer?

  I don't know if you're just not able to stand up for yourself or what, but...

• 30:24Speaker 02

  I, I, I think that I'm really shocked. I have no idea what to say. I did not know that he was doing that at all.

• 30:33Speaker 03

  Uh, the thing is with that, uh, I feel like, in a way...

• 30:41Speaker 02

  I'll pack his bags?

• 30:42Speaker 03

  Yeah.

• 30:43Caleb Hammer?

  See, you laugh.

• 30:44Speaker 03

  You laugh about it.

• 30:44Caleb Hammer?

  Is that a joke?

• 30:45Speaker 03

  But like...

• 30:45Speaker 02

  No, I for real will. I have locked him out before.

• 30:48Speaker 03

  She has.

• 30:49Caleb Hammer?

  Why?

• 30:50Speaker 03

  So, I was getting this tattoo right here. And he was taking too long.

• 30:54Speaker 02

  No, that was a different time. Like, the most recent one.

• 30:57Caleb Hammer?

  What was the most recent one?

• 30:58Speaker 02

  He went out with some friends, like, in Denton.

• 31:00Speaker 03

  Oh, I was playing basketball with my friends.

• 31:02Speaker 02

  For like, eight hours.

• 31:03Speaker 03

  Cause we were talking about catching up online.

• 31:06Speaker 02

  He was supposed to be doing Spark.

• 31:07Caleb Hammer?

  Okay, well, tell him on his side for a second. Why, why, let the dude flip? Like, why do you have to be like...

• 31:12Speaker 03

  No, no, I haven't hung out with my friends. Every year, we, I talk to them one time.

• 31:16Caleb Hammer?

  Like, as long as he says he's going out, like, you're okay.

• 31:17Speaker 02

  No, he didn't tell me. He said, "I'm gonna go do Spark."

• 31:20Speaker 03

  Cause she always says no, Caleb.

• 31:20Caleb Hammer?

  Okay, yeah, but if you...

• 31:22Speaker 03

  She always says no for me to hang out with my friends.

• 31:25Caleb Hammer?

  That's weird.

• 31:26Speaker 02

  He's a grown adult, he can go do it, he just don't do it.

• 31:28Caleb Hammer?

  But then you lock him out.

• 31:29Speaker 03

  No, she.

• 31:29Caleb Hammer?

  He knows the consequences for what happens when he's, cause he's kinda with a crazy bed.

• 31:33Speaker 02

  It's so easy.

• 31:34Caleb Hammer?

  Watches him on cameras at work.

• 31:36Speaker 02

  I watched, they were streaming too and I watched it and he was declining me.

• 31:40Speaker 03

  Because I was playing basketball.

• 31:40Caleb Hammer?

  Yes.

• 31:41Speaker 03

  I was playing basketball.

• 31:42Caleb Hammer?

  And that's okay, he doesn't have, you guys don't have to be together 24 hours a day, that's not healthy.

• 31:46Speaker 02

  No, but he was supposed to be working and then he just went. He could have been like, hey, I'm gonna go play basketball.

• 31:50Speaker 03

  If I can't work and then have a, like, at least a life in my perspective.

• 31:55Caleb Hammer?

  Yes, absolutely, you should be able to have friends.

• 31:57Speaker 02

  But communication.

• 31:58Caleb Hammer?

  But for what it's worth, if you don't hear back from him, that doesn't mean he's like, literally murdering someone or cheating.

• 32:04Speaker 02

  Well, what if he like got on a wreck or something, how, how am I supposed to know?

• 32:06Caleb Hammer?

  So lock him out?

• 32:10Caleb Hammer?

  He may have gotten a wreck, so let me lock him out.

• 32:12Speaker 02

  He knew he messed up. He didn't answer all day.

• 32:14Speaker 03

  Every time I say.

• 32:15Caleb Hammer?

  No, he knew he pissed you off and he wanted to quell that.

• 32:18Speaker 02

  Yeah, I gave him a blanket and locked the door.

• 32:21Speaker 03

  I slept on the couch that night.

• 32:22Speaker 02

  I ended up letting him in a little bit later.

• 32:24Caleb Hammer?

  You're kinda crazy. Now, I mean, which may have pushed him to do this extracurricular activity.

• 32:31Speaker 03

  I feel like she, she wants me to focus on her and that's it, like.

• 32:37Speaker 02

  Who else would you focus on?

• 32:39Speaker 03

  Well, the thing is.

• 32:40Caleb Hammer?

  He's allowed to be his own person, too.

• 32:42Speaker 02

  Well.

• 32:42Speaker 03

  Well, the thing is, I give you all my energy and it's still not enough, in a way. Like, I give you all my heart and everything and you feel, make it seem like it's not enough.

• 32:52Speaker 02

  Hmm. Well, you're watching, oh, that's weird.

• 32:57Speaker 03

  That is weird.

• 32:59Caleb Hammer?

  I mean, it's not necessarily weird, it might not be the most healthy, especially for someone with a porn addiction in the past, which means he's definitely still watching porn, by the way.

• 33:08Speaker 02

  Are you?

• 33:09Speaker 03

  Yes.

• 33:11Caleb Hammer?

  Okay.

• 33:12Speaker 03

  I admit, I admit to it.

• 33:14Caleb Hammer?

  How frequently?

• 33:16Speaker 03

  I would say if I'm alone and she's not home and she's doing other things and I had the day off or whatever, at least three times.

• 33:29Speaker 02

  A day? A day?

• 33:30Speaker 03

  Before she comes.

• 33:31Speaker 02

  A day? A day?

• 33:35Speaker 02

  A day?

• 33:37Speaker 03

  Not a day, not a day when uh I have nothing to do.

• 33:43Speaker 02

  Three times in a day?

• 33:45Speaker 03

  It's not always. Okay. It's not always.

• 33:49Caleb Hammer?

  What, what's, what does that mean?

• 33:53Caleb Hammer?

  Okay.

• 33:53Speaker 03

  We have our own.

• 33:54Caleb Hammer?

  I got that. But it is. Sometimes, many times. Many times.

• 34:00Speaker 03

  Spice it up, well you know, you gotta get the hot cheetos.

• 34:02Caleb Hammer?

  I know, but listen, I, I, I don't have too mu- I don't really have an issue with. Okay, unless someone has an addiction, but she specifically made it the rule to not.

• 34:11Speaker 03

  Yes.

• 34:13Caleb Hammer?

  Okay. You're flat faced.

• 34:15Speaker 02

  I don't know what to say. That's shocking.

• 34:18Caleb Hammer?

  But what's going through your head?

• 34:19Speaker 02

  It hurts my feelings.

• 34:20Caleb Hammer?

  It hurts your feelings, but you're never gonna leave, are you? I think you're like. No, you're like obsessive or something. Like this doesn't matter to you.

• 34:28Speaker 02

  No, it does matter.

• 34:29Caleb Hammer?

  It does, but you're never gonna do anything. You, like, you don't care.

• 34:32Speaker 02

  I'll let him, I'll make him go stay with his mom. I will.

• 34:35Caleb Hammer?

  It's like a timeout?

• 34:37Speaker 02

  Cause he hates, you don't like being over there.

• 34:39Speaker 03

  Well, the thing is, if I'm living with, I'm not gonna live with my parents. I'd rather live in a motel than live with my parents. Cause I feel like if I go back, I like to be invisible.

• 34:47Caleb Hammer?

  Give me your phone again.

• 34:48Speaker 03

  Yes, sir.

• 34:49Speaker 02

  So I'll call your mom. And say your son's watching. Only.

• 34:53Speaker 03

  So what are you gonna do?

• 34:55Caleb Hammer?

  Anything I want?

• 34:56Speaker 03

  That's, okay.

• 34:57Caleb Hammer?

  My show bitch. His most recent search results are like Riley Reid threesome on Reddit. So this is where he watches porn. Is on Reddit, so Riley Reid.

• 35:05Speaker 02

  You said you didn't have Reddit.

• 35:07Caleb Hammer?

  And Kimmy, Kimmy Granger. No, he has Reddit.

• 35:11Speaker 02

  He's, you said you deleted it.

• 35:12Speaker 03

  Kelp's a smart guy, okay, he's.

• 35:14Speaker 02

  Why would you not at least delete it before we?

• 35:17Speaker 03

  Jesus Christ!

• 35:18Speaker 02

  You watch that, you like that.

• 35:20Speaker 03

  No, I don't.

• 35:20Speaker 02

  Yes, obviously.

• 35:21Speaker 03

  No, I don't.

• 35:22Caleb Hammer?

  It was there.

• 35:23Speaker 03

  I like threesomes.

• 35:25Caleb Hammer?

  Yeah, he does.

• 35:28Caleb Hammer?

  With, uh, what, two guys tagging a chick?

• 35:31Speaker 03

  No, no, no, no, no, please.

• 35:33Caleb Hammer?

  Okay, homophobe, again, jeez, kinda crazy. Oh, I see the ones he's watched. Oh, watched, watched, watched, watched, watched, watched, watched.

• 35:41Speaker 03

  I was picking the right one, Caleb. I was picking the right one.

• 35:45Caleb Hammer?

  Watched, watched.

• 35:46Speaker 03

  I couldn't find those.

• 35:47Caleb Hammer?

  Watched, watched, watched. Oh my goodness, watched, watched.

• 35:50Speaker 03

  No, if you scroll, if you scroll.

• 35:52Caleb Hammer?

  Watched, watched, okay, finally.

• 35:53Speaker 03

  Keep going.

• 35:54Speaker 02

  Just let him talk, let him call you.

• 35:55Caleb Hammer?

  Watched?

• 35:56Speaker 02

  That's gross, that's gross.

• 35:58Caleb Hammer?

  Okay, oh my gosh, yeah. No, dude's watching a lot of Riley Reid threesome.

• 36:04Speaker 02

  Who is Riley?

• 36:07Speaker 03

  She's a [BLEEP].

• 36:10Speaker 03

  Old school.

• 36:13Speaker 02

  I would have, that's so gross. I don't know what to say. I have no idea what to say.

• 36:17Caleb Hammer?

  Gross in what way?

• 36:17Speaker 02

  You hurt my feelings.

• 36:18Speaker 03

  I know, yeah.

• 36:19Speaker 02

  Like, it makes me look at him gross.

• 36:21Caleb Hammer?

  I get that, but the thing is...

• 36:22Speaker 02

  And you're gross, that's gross.

• 36:23Caleb Hammer?

  This is Riley Reid.

• 36:25Speaker 03

  Okay, okay.

• 36:26Speaker 02

  I don't, I don't watch that.

• 36:28Speaker 03

  Okay, okay. She kinda, she kinda...

• 36:32Speaker 02

  Okay, so, why are you watching her?

• 36:34Speaker 03

  Because I can't watch you because you don't have sex with me.

• 36:40Speaker 03

  Boom, roasted.

• 36:41Caleb Hammer?

  Which, I think, relatively, it's a fair compromise if you're not having sex that he should be able to maybe watch.

• 36:48Speaker 02

  No, that's not fair.

• 36:49Caleb Hammer?

  Man, not like...

• 36:49Speaker 02

  No, it's not.

• 36:50Caleb Hammer?

  Okay, what is he supposed to do?

• 36:52Speaker 03

  I have needs.

• 36:53Caleb Hammer?

  He, he does have needs.

• 36:54Speaker 02

  And he has a right hand. He can use that.

• 36:57Caleb Hammer?

  Yeah, but you want to do something.

• 36:58Speaker 03

  She makes it weird, she's like...

• 37:00Speaker 02

  Cause I'll be sleeping, that's weird to do it right next to me.

• 37:03Speaker 03

  Okay.

• 37:04Caleb Hammer?

  Yeah, why can't you go somewhere?

• 37:06Speaker 02

  Like, get out of the room.

• 37:06Speaker 03

  Because I can't imagine things. That's the thing. If I do fab, I have to watch something. I have to look at...

• 37:12Caleb Hammer?

  Watch her sleep?

• 37:13Speaker 03

  No, no, she usually does something to you. And she makes it weird, she makes it weird, she makes it weird. And she doesn't like that. She, she makes faces. Like, oh, disgusting faces, like that. She's like, what are you doing?

• 37:25Speaker 02

  Cause he makes weird faces.

• 37:26Speaker 03

  So what am I supposed to do?

• 37:28Caleb Hammer?

  Well, yeah, he's [BLEEP] nothing.

• 37:30Speaker 03

  Like. I, I, like, what can I do?

• 37:34Caleb Hammer?

  Why, okay, so what, what do you expect of him then? If he can't like.

• 37:38Speaker 02

  Well, we can talk about it. We don't talk about it.

• 37:40Caleb Hammer?

  What do you mean?

• 37:42Speaker 03

  No, we can't talk about it. We can't talk about it because every time I bring it up, it seems like it's a need. Like, she thinks, oh, that's all I want in this relationship is sex. She makes it, sex is like the biggest thing I feel like in our relationship. That's what she thinks. Like, that's all.

• 37:59Speaker 02

  Cause that's all it was in the beginning. All it was. I don't like to have sex all the time.

• 38:06Speaker 03

  But the thing is, I have a high sex drive and that's why I'm.

• 38:11Speaker 03

  And that's.

• 38:12Speaker 02

  Yeah, that's fine.

• 38:13Caleb Hammer?

  Why not to?

• 38:15Speaker 02

  Cause that's other women.

• 38:17Caleb Hammer?

  Yeah, but if you're not giving him you.

• 38:20Speaker 02

  Well, he doesn't tell me.

• 38:21Speaker 03

  Well, if I.

• 38:22Speaker 02

  That affects you?

• 38:22Speaker 03

  No, no, no. It does affect me because you, you don't, you don't like do anything sexual. Like.

• 38:30Speaker 02

  I'm just not a sexual person.

• 38:32Caleb Hammer?

  Which is okay, but like, he, he needs to like, he needs to come.

• 38:37Speaker 03

  She doesn't have any power in a way. She, she could kick me out, yeah.

• 38:42Caleb Hammer?

  Oh, yeah. She, she can't leave you. She, she's obsessed with you. She has a weird obsession and I think she's like 20. She's like, her hormones are going crazy. Uh, like, she's on, she's on baby mode 24 hours a day. She just wants you to unload and get her pregnant. That's really all she wants. And then she'll regret it when she's 35. Because this was someone who she, maybe she doesn't even want to be with.

• 39:07Speaker 02

  No, I do want to be with him.

• 39:08Speaker 03

  No, no, I'm scared.

• 39:09Speaker 02

  I do.

• 39:10Caleb Hammer?

  I'm scared. Him, him, him, him, the one that wants that shit, the life you don't want.

• 39:16Speaker 02

  No, I don't want that, but I think we could.

• 39:18Caleb Hammer?

  Supposedly in three ways. Would you bring in another woman? That seems to be his thing.

• 39:20Speaker 03

  No, no, no. I wouldn't want that. I wouldn't want.

• 39:23Caleb Hammer?

  You wouldn't?

• 39:23Speaker 03

  No, no. That's a fantasy, not something I would.

• 39:26Caleb Hammer?

  When you see fantasies or they like it, they want it to be a reality, but okay. Yeah, sure.

• 39:31Speaker 03

  Well, I feel like she's, she's always been trying to craft me to be her father in a way. Like actually.

• 39:40Caleb Hammer?

  Huh?

• 39:42Speaker 03

  Like, that's what she's been wanting is her, somebody her dad can like, accept, in a way.

• 39:49Speaker 02

  My dad has high standards.

• 39:52Caleb Hammer?

  No, it's not unfair. I mean, he wants the best for his daughter, that's okay. Wanting the best for your kids, a good thing.

• 39:57Speaker 03

  And it's also a reason why I haven't proposed yet either, is because I don't feel like he would say yes.

• 40:02Caleb Hammer?

  Oh, shut the [__] up.

• 40:04Speaker 03

  No, I'm being-

• 40:05Speaker 02

  My dad?

• 40:05Speaker 03

  Yes, your dad has said that he would have to like, think really hard if he would let me have your hand in marriage. And you told me that. Plus, our cultures are way too different.

• 40:15Caleb Hammer?

  What?

• 40:17Speaker 03

  I'm Cuban and she's white.

• 40:18Caleb Hammer?

  Oh, come on. How Cuban are you?

• 40:22Speaker 03

  A hundred percent.

• 40:23Caleb Hammer?

  No, but like, you're raised. You're from suburban Dallas.

• 40:27Speaker 03

  Nah, I'm from Buffalo, New York.

• 40:29Caleb Hammer?

  Oh, Buffalo, New York, the most tropical-

• 40:32Speaker 03

  Well, well, my parents are from the boat.

• 40:34Caleb Hammer?

  Yeah, your parents, not you.

• 40:36Speaker 03

  That's what she explains to her father, but she, he thinks otherwise.

• 40:41Caleb Hammer?

  What?

• 40:43Speaker 03

  Her father thinks our cultures are too different.

• 40:46Caleb Hammer?

  What is that? Usually like, hyper-conservative people like him like Cubans, because the Cubans hate socialism and stuff.

• 40:53Speaker 02

  He thinks our, he thinks our wedding will be different, like we'll have to speak in Spanish.

• 40:57Speaker 03

  Jose.

• 40:58Speaker 02

  He doesn't want-

• 40:59Caleb Hammer?

  No one wants that.

• 41:00Speaker 02

  Well, my dad thinks that he's Mexican.

• 41:04Speaker 02

  He's not Mexi- he does.

• 41:05Caleb Hammer?

  I thought you were white, so I don't, I don't really know.

• 41:07Speaker 02

  Exactly.

• 41:08Caleb Hammer?

  You're white, she's pink.

• 41:12Speaker 03

  Oh, yeah.

• 41:14Speaker 02

  No.

• 41:14Speaker 03

  She's a little embarrassed. Uh, but-

• 41:16Caleb Hammer?

  Well, yeah, because you just got exposed for essentially doing what she considers cheating for the last, all your relationship.

• 41:23Speaker 03

  That's not fair to her, and that's also been weighing on my conscience.

• 41:26Caleb Hammer?

  Yeah, what's her dad gonna think when he sees this?

• 41:29Speaker 03

  Same thing he's been thinking.

• 41:31Caleb Hammer?

  I think a little worse now, right?

• 41:33Speaker 02

  I think so.

• 41:36Speaker 02

  He'll probably never, he probably won't want us to get married at all.

• 41:40Caleb Hammer?

  Yeah.

• 41:40Speaker 02

  To, I don't know.

• 41:43Caleb Hammer?

  Sorry, I know this has been a very sexual episode so far, but it is actually apparently the whole thing. What about a little?

• 41:48Speaker 03

  No.

• 41:49Speaker 02

  Mm-mm.

• 41:49Speaker 03

  She doesn't do mouth things or hand things. She hates blowjobs, hand jobs.

• 41:54Speaker 02

  He doesn't, it's uncomfortable.

• 41:57Caleb Hammer?

  Do you do oral on her? Sorry.

• 41:58Speaker 03

  Yes.

• 41:59Caleb Hammer?

  Oh, come on. That's only fair to go back.

• 42:01Speaker 03

  Like, literally, that's all she wants from me. That's why she hasn't let me.

• 42:04Caleb Hammer?

  Oh shit, you don't want him in your bar.

• 42:07Speaker 03

  No, she does. No, she does. Actually.

• 42:10Caleb Hammer?

  A month.

• 42:12Speaker 03

  Well, she has a UTI every other day for some reason. Or you're cheating?

• 42:18Caleb Hammer?

  It happens to women sometimes. Yeah. It happens. Yeah, yeah, yeah. No, that's normal. I.

• 42:24Speaker 02

  Now I'm embarrassed. You didn't have to say that.

• 42:26Caleb Hammer?

  I am embarrassed. I think everyone that's been with women knows that that is more common than you'd probably think. It's not talked about very much, is it? But.

• 42:34Speaker 03

  Nah, nah, nah.

• 42:36Caleb Hammer?

  We'll call the dad in the post-show. What do you guys think your Hammer Financial score is? Zero to 10, zero being the absolute worst, 10 being the best, if we're combined, if we're looking towards marriage?

• 42:43Speaker 03

  Zero.

• 42:45Speaker 02

  Three.

• 42:45Caleb Hammer?

  What about cheating score? 10 being the most cheaters in the world, 10 being nothing.

• 42:51Speaker 02

  10.

• 42:52Speaker 03

  Yeah, we're, I guess, because you think cheating, so it's.

• 42:56Caleb Hammer?

  I went to Snapchat. I was expecting to maybe see a one. I didn't see anything.

• 43:00Speaker 03

  Yeah, I don't.

• 43:01Caleb Hammer?

  So if there is, so he's at least not talking to someone else as far as I know.

• 43:04Speaker 02

  Mm-hmm.

• 43:05Caleb Hammer?

  Hmm, I don't trust that face.

• 43:07Speaker 03

  I didn't trust you either.

• 43:09Caleb Hammer?

  I don't know why.

• 43:10Speaker 02

  What?

• 43:11Speaker 03

  No, no, no, no. I am not talking to anybody.

• 43:15Speaker 02

  I feel like you just admitted to talking to somebody.

• 43:17Speaker 03

  No, I'm not. Okay, that sounds unexhibiting. I'm just really nervous because the whole, like, thing has been brought to light.

• 43:27Speaker 02

  Well, you knew it was on there. You knew it was on there.

• 43:30Caleb Hammer?

  Statement. And you get to choose what's not talked about on the show, and you didn't say it.

• 43:36Speaker 03

  Okay, well, the thing is, it, it, it has to be brought to light. I think that's a good thing.

• 43:42Speaker 02

  Well, you didn't have to wait to go on the show to tell me.

• 43:45Speaker 03

  Well, if I told you earlier, it would've been.

• 43:47Caleb Hammer?

  He wasn't gonna tell you on the show. I did.

• 43:49Speaker 03

  Yeah, you did.

• 43:50Caleb Hammer?

  He wasn't gonna bring up shit, to be clear. Not a chance. That was me who exposed it.

• 43:57Speaker 02

  Well, I'm glad.

• 43:59Caleb Hammer?

  Yeah. It's just unfortunate you're not gonna do anything about it, except for a little timeout. And unfortunately, you're just gonna be stuck with that your entire life. Someone who's, to be very clear, this is an example, and yes, even if it is something more addictive, which is true, there are many addictive things in this world. He is someone where you guys made a clear boundary on something and he's been doing it like every day behind your back for years. What does that suggest for anything else for the rest of your life?

• 44:24Speaker 02

  He's gonna keep doing that.

• 44:25Caleb Hammer?

  Just saying. That plus who knows what else? If he's willing to lie about that constantly, what else will he be willing to lie about at 50? June 1st, I'm launching the Hammer Elite app, available on every major platform. Exclusive dedicated shows every single day, Monday through Saturday. And to celebrate the app launch, I'm offering 30% off the annual plan in the month of June only. Plus, I have an exclusive offer just for you, but limited to the first 1,000 people to purchase. For a one-time payment of $500, you'll get our entire Hammer Elite catalog for life. And a limited edition Hammer for Life box packed with merch you can't get anywhere else. You'll get a limited edition Caleb Hammer commemorative coin, a budget planner notebook,

• 45:08Caleb Hammer?

  a Caleb Hammer credit card skin, Caleb Hammer emoji stickers, a limited edition Caleb Hammer plushie, a limited edition Hammer Elite mug, a limited edition Hammer Elite hat, all packed inside a custom merch box. Once all 1,000 boxes are gone, this offer is gone forever. Join the waitlist by using the link in the description or pinned comment down below. So mark your calendar, June 1st. This is the best membership you'll ever join, and that is a promise. That's kind of stupid, I'll be honest, but what's not is actually getting a checking account that gives you free money. Free money, we like free money. You can get up to $200 in bonus cash right now when you sign up for the checking account that I use. Chime. Also, it makes your savings grow at a 3.5 APY interest rate.

• 45:52Caleb Hammer?

  Guys, you can watch Financial Audit and get free money at the same time. Who would have thought? That's incredible. Check it out, link in the description below.

• 45:58Speaker 03

  I feel like I needed to tell her with somebody, instead of me just coming out with this picture again, because she would instantly just not want to talk about it and just tell me to kick out.

• 46:08Caleb Hammer?

  Did she straight up say no to go into couples therapy?

• 46:11Speaker 03

  Yes.

• 46:12Caleb Hammer?

  Bro. Why the no?

• 46:15Speaker 02

  I said, I just don't want to talk about it. Let's not bring it up again.

• 46:18Speaker 03

  Cause I told her.

• 46:19Caleb Hammer?

  What?

• 46:20Speaker 02

  I don't, I don't want to go to therapy.

• 46:22Caleb Hammer?

  Why? He does for you two. It's not necessarily for you. It's for your relationship and him.

• 46:29Speaker 03

  Like, I gave her ultimatum. I was like, our relationship won't work if we don't go to therapy. And I didn't tell her.

• 46:36Caleb Hammer?

  Everything's about you. And it's because of how you grew up.

• 46:40Speaker 02

  Well, we can go to therapy now.

• 46:42Caleb Hammer?

  Oh, now that you got called out, now that I'm calling you out, and now that you're being exposed to selfish bitch on camera.

• 46:47Speaker 03

  Cause I did want to talk to her about the point, because if I did do it separately, she would just tell me, get out of my house.

• 46:53Caleb Hammer?

  But you were going to. I brought it up.

• 46:55Speaker 03

  No, no, I was in therapy, like actually, because I was gonna tell her.

• 46:58Caleb Hammer?

  And she said no to therapy. So when would it have ever come up?

• 47:02Speaker 03

  When we came to the show. That's why I applied to.

• 47:04Caleb Hammer?

  No, it wouldn't have. It would not have come up in the show if I didn't bring it up, correct? Not from my notes. Yeah, not from, not from any of the interview.

• 47:11Speaker 03

  You like to search.

• 47:12Caleb Hammer?

  Huh?

• 47:13Speaker 03

  You like to look through people's phones.

• 47:14Caleb Hammer?

  You were, no. I, I would, I never go through people's Reddit or people's only f**k.com. Never. Never, unless there's a reason. This would not have come up. That is a cope. What would you have actually done?

• 47:28Speaker 03

  Kept it a secret for the rest of our lives.

• 47:30Caleb Hammer?

  There you go. That's the reality. If you want your hammer financial score, get it for free at CalebHammer.com. See where you stand in the world of money, where you're doing poorly, where you're doing great. It'll tell you for free in just a few minutes. And if you don't want to be like a guest who ends up on the show, couple of therapy. And download the Dollar Wise Budgeting app. Take the free trial. See if it works for you. And sign up for the annual version if you like it, because that's what most people do. That saves a lot of money. And you get my personalized 30 day meal plan signed by me, mailed directly to you. And the digital version of our cookbook that goes over every recipe. It's every single day of the month. All drinks, all snacks, all meals. No more excuses to not budget your food.

• 48:04Speaker 03

  I've been waiting for this a long time.

• 48:05Caleb Hammer?

  Dollarwise, that app, link in the description below. Okay. Well, let's go to this. I mean, I think this is, this is financial honor. And this is a finance show. 53 minutes in, but.

• 48:17Caleb Hammer?

  This is a very important part. And this is gonna be probably one of the more important parts leading, you know, going forward, heading into marriage and all this shit. And you haven't had that. Why do you look at like three different directions at once sometimes?

• 48:29Speaker 02

  Where?

• 48:30Caleb Hammer?

  That's what I'm asking.

• 48:31Speaker 02

  I don't know.

• 48:32Caleb Hammer?

  She goes cross-eyed, doesn't she?

• 48:33Speaker 02

  No, I do not.

• 48:34Speaker 03

  She's kinda not all the way up there, in a way.

• 48:37Speaker 02

  You aren't.

• 48:38Speaker 03

  I am. I feel like, uh, there's a reason why I work a lot.

• 48:42Speaker 02

  I feel like I look at people's eyebrows.

• 48:44Caleb Hammer?

  No, you just did it again.

• 48:46Speaker 02

  Yeah, because I looked up and then down.

• 48:47Caleb Hammer?

  No, no, no, yeah, but one of your eyes.

• 48:49Speaker 02

  Oh, well, that's my fault.

• 48:51Caleb Hammer?

  So this is an important thing.

• 48:53Speaker 03

  Yeah.

• 48:53Caleb Hammer?

  And you haven't gone over it. But all that shit we talked about at first?

• 48:57Speaker 03

  Could have been gone over.

• 48:58Caleb Hammer?

  That is going to be borderline even more important, at least for now. Maybe into the future's one. You guys need to go to couples therapy, probably, immediately.

• 49:07Speaker 04

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

• 49:36Caleb Hammer?

  Again, not one of the bullshit and enablement therapists, which there are many of, and that cater to young pussies.

• 49:45Caleb Hammer?

  But you need a good one. And I'll actually shit down your throat. Okay?

• 49:49Speaker 02

  Find one.

• 49:50Speaker 03

  I told you we needed couples there.

• 49:51Caleb Hammer?

  Is she actually going to, or is she just saying yes to the camera? You know her.

• 49:53Speaker 03

  Only for the camera because she hates therapists.

• 49:55Speaker 02

  No, I'll try. I'll try. No, I'll try.

• 49:57Caleb Hammer?

  Try, you just go. What do you mean try?

• 49:59Speaker 02

  Well, I don't like it.

• 50:01Caleb Hammer?

  No, is it? Nobody likes therapy.

• 50:04Speaker 03

  The thing is, there's multiple people that we could go to and then find the one that you like. Because I don't care. I don't give a shit.

• 50:10Caleb Hammer?

  No, the person she likes might be one like her daddy that just makes her think she's great and shits on you. That's not necessarily the most healthy.

• 50:18Speaker 03

  Like, I don't, I don't want to be shit on all the time. And I, sometimes I do deserve it. Like, right now, like Caleb shit on me for the OnlyFans, which is right. And I feel like-

• 50:29Caleb Hammer?

  And I'll shit on her in the video her and I make after this.

• 50:32Speaker 03

  Oh my, oh spicy.

• 50:35Caleb Hammer?

  We'll give it to you so you can play with yourself later, though. So the preferred card, who's this?

• 50:40Speaker 02

  The what?

• 50:40Speaker 03

  Safar, preferred mine.

• 50:42Caleb Hammer?

  That's right. They're pretty much all of you, right? Except for student loans you said you have?

• 50:45Speaker 02

  Mm-hmm.

• 50:46Speaker 03

  Yeah.

• 50:47Caleb Hammer?

  No, he is right, though. He is right, though. For it's worth.

• 50:50Speaker 02

  Therapy?

• 50:50Caleb Hammer?

  Stop being a spoiled bitch.

• 50:54Speaker 02

  I'll try.

• 50:54Speaker 03

  I try.

• 50:55Caleb Hammer?

  Try, try.

• 50:56Speaker 02

  My dad's still there.

• 50:58Caleb Hammer?

  Huh?

• 50:59Speaker 03

  Her dad's always gonna be there.

• 51:00Caleb Hammer?

  So? And also, that's not true, but so?

• 51:03Speaker 02

  I'm only 20.

• 51:04Caleb Hammer?

  So?

• 51:05Speaker 02

  I'll work on it.

• 51:05Caleb Hammer?

  What is-

• 51:06Speaker 02

  I'll attempt.

• 51:06Caleb Hammer?

  What?

• 51:07Speaker 03

  Attempt to what?

• 51:08Caleb Hammer?

  Work on what? What does your dad being there have to do with anything?

• 51:11Speaker 02

  Well, how's it my fault that I'm spoiled?

• 51:14Caleb Hammer?

  Oh, I thought you meant going to therapy.

• 51:16Speaker 02

  Oh, well, I didn't know what you were talking about. Therapy or my dad?

• 51:18Speaker 03

  I thought you were talking about therapy.

• 51:20Speaker 02

  Oh, I'll try to go.

• 51:22Caleb Hammer?

  Hundred twenty dollar minimum. Whoa, guys, I just realized. What do you do for work?

• 51:27Speaker 02

  I'm a lab tech.

• 51:28Caleb Hammer?

  What do you make? How many hours a week?

• 51:30Speaker 02

  Uh, like thirty-two? Seventeen dollars an hour?

• 51:34Caleb Hammer?

  Huh?

• 51:34Speaker 02

  No, seventeen an hour.

• 51:35Caleb Hammer?

  What's your paycheck? Usually, average?

• 51:38Speaker 02

  Twelve hundred.

• 51:39Caleb Hammer?

  Every two weeks?

• 51:39Speaker 03

  Nope.

• 51:39Speaker 02

  Yeah, yeah.

• 51:40Speaker 03

  Is that net or gross? Is that net or gross? She doesn't really know.

• 51:45Speaker 02

  It's like twelve hundred that goes into my bank account.

• 51:48Speaker 03

  But you haven't worked a full week of work at all.

• 51:50Speaker 02

  I just said thirty, that's why I said thirty-two.

• 51:53Speaker 03

  Nah, bro. Nah, seventeen times, seventeen times thirty-two isn't twelve hundred.

• 52:00Speaker 02

  Eleven hundred?

• 52:01Speaker 03

  It's less than that.

• 52:02Caleb Hammer?

  What is it? That, I don't know. I have your, unfortunately, payrolls combined.

• 52:07Speaker 03

  The thing is, she last-

• 52:09Caleb Hammer?

  What do you make?

• 52:10Speaker 03

  I make, uh-

• 52:13Caleb Hammer?

  For what do you do?

• 52:14Speaker 03

  I am a welder helper and I also do spark. So, combined, I make forty-five hundred a month. Gross.

• 52:21Caleb Hammer?

  That's good. Look at you.

• 52:25Caleb Hammer?

  Wow, 23 in the trades, get you a course career certification, doubling up those trades, maybe like, uh, construction, project management, that kind of thing, convert that into a six-figure jobs like many people out there have. Um, and unfortunately, if that is his paycheck, that means the only other thing that came in was about $72.

• 52:44Speaker 02

  $72?

• 52:45Caleb Hammer?

  So unless he made less and you made a little more, pay active, what's that?

• 52:50Speaker 03

  Pay active?

• 52:54Speaker 02

  Pay active?

• 52:55Caleb Hammer?

  I'm gonna say make 2,000 a month, I don't know.

• 52:58Speaker 03

  She honestly makes close to 1,600.

• 53:02Caleb Hammer?

  A month?

• 53:02Speaker 03

  Yes.

• 53:03Caleb Hammer?

  A full month?

• 53:03Speaker 03

  Yes, cuz she does call-

• 53:05Caleb Hammer?

  But you're in school, right?

• 53:06Speaker 02

  Yeah.

• 53:06Caleb Hammer?

  What are you studying?

• 53:07Speaker 02

  Teaching, to be a teacher.

• 53:09Caleb Hammer?

  What teaching?

• 53:10Speaker 02

  Like a teacher.

• 53:11Caleb Hammer?

  What kind?

• 53:12Speaker 02

  Yeah.

• 53:14Caleb Hammer?

  Okay, well, in the major cities in Texas, they make okay money, but...

• 53:17Speaker 02

  I'm not worried about the money, really.

• 53:19Caleb Hammer?

  Cause you're spoiled, you've never known.

• 53:21Speaker 02

  Well, I'd rather just like my job.

• 53:23Caleb Hammer?

  He was actually correct in the beginning, I thought he was bullshitting, he was like, she doesn't know the value of it, he's 100% correct. Your debt doesn't scare you because you've never had to see what the consequences are. Having a lower paycheck doesn't scare you cuz you've never seen what the consequences are. Maybe you have a big inheritance company, what do your parents do?

• 53:39Speaker 02

  Uh, my dad owns an AC business and my mom's a nurse.

• 53:42Caleb Hammer?

  AC business in Texas, and then nursing makes pretty good money too, yeah, they do well.

• 53:46Speaker 03

  Yeah.

• 53:47Caleb Hammer?

  They're rich?

• 53:48Speaker 03

  Yes.

• 53:49Caleb Hammer?

  They got a nice house?

• 53:49Speaker 03

  Yes.

• 53:50Caleb Hammer?

  Yeah, yeah, you're not afraid of shit spoiled bitch.

• 53:53Speaker 03

  Like, like I said, her dad would pay for the rent if I'm not there.

• 53:57Caleb Hammer?

  Growing up from poor to lower middle class to eventually middle class by the time I graduated high school, I still hate people like you, you just did it again, you cross-eyed weirdo.

• 54:05Speaker 02

  I didn't mean to, I'm not meaning to.

• 54:10Caleb Hammer?

  This takes 14 years to pay off. Your kid will still be zero.

• 54:13Speaker 03

  Uh, tell you something, it's more expensive, because we went to Austin last month, and-

• 54:20Caleb Hammer?

  Why?

• 54:20Speaker 03

  We spent $2,000.

• 54:23Speaker 03

  So it's close.

• 54:24Caleb Hammer?

  Austin today and we're paying for it. Why'd you go last month?

• 54:27Speaker 03

  Last month, four days, because I thought I was gonna be here.

• 54:29Speaker 02

  It was Good Friday.

• 54:30Speaker 03

  Yeah, it was Good Friday.

• 54:31Caleb Hammer?

  So?

• 54:31Speaker 02

  So we came.

• 54:33Speaker 03

  We were all.

• 54:33Caleb Hammer?

  What does that have to do with Austin?

• 54:35Speaker 03

  Because honestly, I honestly thought I was gonna be on the show a lot sooner than what.

• 54:40Caleb Hammer?

  Did we give you a date?

• 54:42Speaker 03

  No.

• 54:42Caleb Hammer?

  Then why the would you come here if we didn't say to come here?

• 54:45Speaker 03

  Cause I was kinda planning to. I wanted a trip to Austin. I wanted a trip to Austin.

• 54:49Caleb Hammer?

  Which you have now. Paid for.

• 54:52Speaker 03

  Yeah. Yeah, but the thing is.

• 54:53Caleb Hammer?

  And how'd you spend 2,000? By the way, that's a road trip of like four hours. How'd you spend 2,000?

• 54:59Speaker 03

  Airbnb was like.

• 55:00Caleb Hammer?

  How long?

• 55:01Speaker 03

  Four days.

• 55:02Speaker 02

  Three nights.

• 55:02Caleb Hammer?

  That's a lot of money, isn't it?

• 55:03Speaker 03

  It was like, honestly, the Airbnb we got last month is like right around the block from here.

• 55:09Caleb Hammer?

  Okay, don't dox this weirdo.

• 55:12Speaker 03

  My bad.

• 55:14Speaker 03

  Uh, but yeah. Um, and then we, we went shopping every day.

• 55:18Caleb Hammer?

  There it is. And you got your ass spoiled, bro.

• 55:21Speaker 02

  I, I didn't spend money though. Not me.

• 55:23Caleb Hammer?

  You really sleep with him down here?

• 55:25Speaker 03

  No, you did. No, no, she didn't.

• 55:26Caleb Hammer?

  Really? Usually vacation's like a good time for like sex, even in sexist relationships.

• 55:30Speaker 03

  Her head, her.

• 55:31Speaker 02

  I did have a really bad headache.

• 55:33Speaker 03

  She had a migraine.

• 55:33Caleb Hammer?

  For four days?

• 55:34Speaker 02

  No, one day. The day we got there.

• 55:36Caleb Hammer?

  And the three days besides that?

• 55:38Speaker 02

  We shopped all day, so I was tired.

• 55:40Caleb Hammer?

  Yeah. I don't know. Just usually vacation is where people.

• 55:44Speaker 03

  Well, the ceiling was also way too low.

• 55:45Caleb Hammer?

  Here's the thing. Here's the exciting thing. When guys don't wanna have sex, I'm just gonna let you in on a little secret here, something. When guys don't wanna have sex,

• 55:54Caleb Hammer?

  but the woman does, think about what the guy has to do. Big ol' show and dance and performance to get the woman to come. It's a whole medical operation. And we love it, but it's a thing. When the girl doesn't wanna have sex and the guy does, give him 30 seconds and he'll finish on his own. That's all I'm saying. You literally, I mean, ew, not really. I don't know. If she laid there for 30 seconds, you'd be done, right?

• 56:21Speaker 03

  Hell yeah.

• 56:22Caleb Hammer?

  Exactly. It's like, you don't even have to do anything. I'm not advocating for that. It sounds a little, but come on.

• 56:29Caleb Hammer?

  It's not because you'd consent to it.

• 56:32Speaker 02

  I would consent to it.

• 56:34Caleb Hammer?

  Okay, there we go. So there you go.

• 56:35Speaker 02

  We'll try.

• 56:35Caleb Hammer?

  It's like, it's easier. It's just, you know, I like, I get it. I mean, I don't want you to have sex if you don't want to have sex, but also just find your yes. Maybe you're down for a little make out session while he jerks off or something. I don't know. Oh, I guess not. My goodness. She really doesn't want to do anything with you. You're

• 56:50Speaker 03

  Well, she loves me and she's obsessed with me, but she doesn't want to give me that satisfaction.

• 56:55Caleb Hammer?

  Maybe your dick's tiny. I don't know. So with this buddy, okay. So it's like 6,073 now?

• 57:00Speaker 03

  Whoa, whoa, whoa, whoa.

• 57:02Caleb Hammer?

  You said you spent two.

• 57:04Speaker 03

  Four grand, 500.

• 57:06Caleb Hammer?

  What? You said it went up by two. Okay. Okay, 4,500.

• 57:10Speaker 03

  Yes. Well, I thought it was at two grand, to be honest with you.

• 57:14Caleb Hammer?

  No, it was at 4,073.

• 57:16Speaker 03

  Oh, wait, wait. That's a new statement. Never mind. Sorry, bud.

• 57:19Caleb Hammer?

  How many times do I have to cross out you? Jenner.

• 57:23Speaker 03

  Jesus. Our word that early means crazy.

• 57:27Caleb Hammer?

  That early? We're an hour and two minutes in.

• 57:30Speaker 03

  Bro, time is going by so fast.

• 57:32Caleb Hammer?

  You got lucky I didn't call you 30 seconds in.

• 57:36Caleb Hammer?

  So you are a little, you kind of got like the

• 57:39Caleb Hammer?

  Like, look at you. Look at the way you're just touching yourself.

• 57:41Speaker 03

  I have ADHD and autism. I'm in

• 57:43Caleb Hammer?

  Oh, you're collecting them all. Every Gen Z-er. Shut up.

• 57:46Speaker 03

  Well, I was diagnosed.

• 57:48Caleb Hammer?

  They all are.

• 57:49Speaker 03

  When I was younger, like, I guess, but don't matter.

• 57:54Caleb Hammer?

  How many times did you transition to?

• 57:56Speaker 03

  Uh, six times, I guess.

• 57:57Caleb Hammer?

  Yeah, there and back, there and back. $120 a month. 4,073. Takes 14 years to pay off. And as I was saying earlier, your kid will still be zero years old because he still wouldn't have put one in you. Your life is

• 58:11Speaker 02

  It's okay.

• 58:13Speaker 03

  No, I would want to give you

• 58:14Caleb Hammer?

  It's okay? See, she'll never leave. She'll never leave. She thinks she cares about that? She'll never

• 58:21Speaker 02

  No, I do care. I do care. But I think we could work.

• 58:25Speaker 03

  I feel like if we

• 58:26Caleb Hammer?

  With no kids, your kids forever?

• 58:28Speaker 02

  No, I want a kid.

• 58:29Speaker 03

  I want a kid as well, but I don't want it so early that it affects our financial. Because I want us to be debt free.

• 58:35Caleb Hammer?

  That's usually why people don't have kids though. Like, I mean, you don't have to be perfect to have kids like.

• 58:39Speaker 03

  But the amount of debt that I have.

• 58:42Caleb Hammer?

  It is chunky. It is chunky.

• 58:44Speaker 03

  As a young age, it's hard to bring something in.

• 58:47Caleb Hammer?

  Well, actually, it gives you the better, best opportunity to have it at a young age, by the way. But NTTA online, what's that again? What do I know? Is that tolls? NTTA?

• 58:56Speaker 03

  Yeah, yeah.

• 58:57Caleb Hammer?

  Why the $477 to tolls, you creature? By the way, you can drive without tolls a little longer. Yes, you can. Shut up.

• 59:04Speaker 03

  It was accumulated for as long as I.

• 59:08Caleb Hammer?

  No more tolls, asshole. Texas Roadhouse Retro Boats, 180 bucks. Terry Blacks.

• 59:16Speaker 03

  Am I right? That shit was disgusting, 200 bucks.

• 59:19Speaker 02

  But we didn't know how much it was.

• 59:21Caleb Hammer?

  Yes.

• 59:21Speaker 02

  We didn't know. They don't tell you prices when you walk in there.

• 59:24Caleb Hammer?

  Well, yeah, barbecue is expensive, but you got the worst barbecue for expensive. Lululemon, we did a blind taste test the other day. Its brisket was not even close to as good as Butter Place's brisket. It lost the brisket test by a lot. Lululemon, Alan's Boots, 400.

• 59:41Speaker 03

  That was these boots that I have on right now.

• 59:43Speaker 02

  He already has boots and he don't even wear.

• 59:45Speaker 03

  Oh, no.

• 59:47Speaker 02

  Oh.

• 59:48Speaker 03

  Sorry.

• 59:49Speaker 02

  He don't even wear boots.

• 59:51Caleb Hammer?

  Well, he is right now.

• 59:52Speaker 03

  The jeans are 80 bucks, same place.

• 59:56Speaker 02

  And the shirt he has.

• 59:58Caleb Hammer?

  Just these people. So this was your trip to Austin, because.

• 1:00:00Speaker 03

  Yeah.

• 1:00:01Caleb Hammer?

  That's where Alan's classic store is. Right, so there you go.

• 1:00:04Speaker 03

  Lululemon's here at the domain.

• 1:00:07Caleb Hammer?

  Lulu's everywhere, though. Uh, Farah's Italian Restaurant, getting some bullshit. Jeez, you've had a late fee this year.

• 1:00:16Speaker 03

  Yeah.

• 1:00:16Caleb Hammer?

  He's had a late fee this year. You want to get with the guy that found painted bills on time?

• 1:00:19Speaker 03

  She doesn't know what that is. She doesn't know what that is.

• 1:00:20Caleb Hammer?

  Well, it's late. I think she knows what the word late is. She is the dumbest person I've ever met, but she is. She knows what the word late is.

• 1:00:26Speaker 02

  I don't know what a late fee is. How are you late?

• 1:00:29Speaker 03

  Uh, I don't have auto pay on that card and sometimes. Uh, sometimes, um, I just forget.

• 1:00:36Speaker 02

  Gross.

• 1:00:36Caleb Hammer?

  That's who you like?

• 1:00:38Speaker 03

  She finds that hot, actually.

• 1:00:41Speaker 02

  That just grossed me out.

• 1:00:44Speaker 02

  That was gross.

• 1:00:47Speaker 03

  But.

• 1:00:48Caleb Hammer?

  I bet you don't even like, let him go to a room and play video games on his own, do you?

• 1:00:51Speaker 03

  Nope.

• 1:00:52Speaker 02

  Yes, I do.

• 1:00:53Caleb Hammer?

  Oh, you're obsessive. You're a weird one.

• 1:00:55Speaker 03

  No, she doesn't.

• 1:00:55Caleb Hammer?

  Oh, I know you don't.

• 1:00:57Speaker 03

  Because I have a game room, and if I'm in there for thirty minutes, she wants me to do something else.

• 1:01:01Caleb Hammer?

  Mm-hmm.

• 1:01:02Speaker 03

  That's why I have-

• 1:01:03Caleb Hammer?

  What is wrong with people like you? So glad my girlfriend lets me play video games.

• 1:01:08Speaker 03

  Because you just want me by your side, watching the things you want to watch.

• 1:01:11Caleb Hammer?

  Oh.

• 1:01:12Speaker 03

  And if I'm watching Kingdom Hammer, you're like, turn him off.

• 1:01:15Caleb Hammer?

  What the [bleep] bitch?

• 1:01:16Speaker 03

  He's too loud.

• 1:01:18Speaker 02

  I-

• 1:01:18Speaker 03

  Why is he yelling? Why is he so mean?

• 1:01:20Speaker 02

  Because he just plays it and walks around the house.

• 1:01:23Caleb Hammer?

  Yeah, I'm good background noise.

• 1:01:25Speaker 02

  So it's loud.

• 1:01:25Speaker 03

  Like, I watch him-

• 1:01:26Caleb Hammer?

  You listen to me in the background.

• 1:01:27Speaker 03

  Yeah.

• 1:01:28Caleb Hammer?

  That's why he wanted us to do an Eiffel Tower on you. Because he's such a big fan.

• 1:01:32Speaker 03

  I am a big fan.

• 1:01:32Caleb Hammer?

  It's a, it's a, it's a sexual thing.

• 1:01:34Speaker 02

  No, I don't want to know.

• 1:01:35Caleb Hammer?

  Or we both stick it in.

• 1:01:39Speaker 02

  Yeah, I don't want to know. Let's [bleep] go.

• 1:01:41Caleb Hammer?

  Okay, I'll actually give you kids.

• 1:01:43Speaker 03

  Jeez.

• 1:01:44Caleb Hammer?

  And I'm not late on my credit cards.

• 1:01:46Speaker 03

  I didn't say that. Did I say that?

• 1:01:49Caleb Hammer?

  You are late on your credit cards, dude.

• 1:01:52Speaker 03

  Well. Still paid for it.

• 1:01:56Caleb Hammer?

  Anxious to security, late, oh my gosh, what is this, Clara or Affirm, one of them? This is the most insane balance I've ever seen on one of those.

• 1:02:02Speaker 03

  Uh, so I affirm literally everything.

• 1:02:04Caleb Hammer?

  Oh my gosh, dude, you owe [bleep] eight thousand four hundred forty-eight thousand seventy-one something to affirm. I've never seen that on my [bleep] line.

• 1:02:09Speaker 02

  He was supposed to stop.

• 1:02:11Speaker 03

  Okay, so I did tell her I was gonna stop.

• 1:02:13Caleb Hammer?

  Just like your [bleep].

• 1:02:14Speaker 03

  Okay, I, I am addicted to credit lines.

• 1:02:16Caleb Hammer?

  Oh, we're finding new addictions. We're just collecting them.

• 1:02:19Speaker 03

  That's like Pokemon cards, dude, but, uh-

• 1:02:21Caleb Hammer?

  No, this isn't all Pokemons.

• 1:02:23Speaker 03

  No, no, no, no, no, no, no, no, no, no. It's on tools. Tools to work on my-

• 1:02:27Caleb Hammer?

  It's even like, almost worse.

• 1:02:29Speaker 03

  And tools for work. Like, it goes hand in hand.

• 1:02:32Caleb Hammer?

  Why are you with him? He's a [bleep] tool collector. You're the worst.

• 1:02:37Speaker 03

  But like, I, I don't have any base to buy tools, so I use Affirm to purchase these tools.

• 1:02:42Speaker 02

  It's a lot of money.

• 1:02:42Caleb Hammer?

  What's your minimum? I'm, I'm gonna guess it's like-

• 1:02:44Speaker 03

  Seven hundred and fifty-eight dollars.

• 1:02:46Caleb Hammer?

  Ah!

• 1:02:49Caleb Hammer?

  How are you okay with that?

• 1:02:50Speaker 02

  I didn't know that.

• 1:02:51Caleb Hammer?

  You don't know anything because you're not willing to talk to him.

• 1:02:53Speaker 02

  No, he said that he paid it off because I told him stop doing that.

• 1:02:56Caleb Hammer?

  He's probably paid off like a purchase here and there and not the whole thing.

• 1:03:00Speaker 03

  No, I have Caleb, I have, but.

• 1:03:02Caleb Hammer?

  You should give him reward blowjobs for making progress.

• 1:03:05Speaker 02

  Not this.

• 1:03:07Caleb Hammer?

  For making progress.

• 1:03:08Speaker 02

  There's no progress.

• 1:03:12Speaker 03

  Well, the thing is with the home like, I can show you my firm so you could have a greater understanding.

• 1:03:19Caleb Hammer?

  No, it's okay.

• 1:03:20Speaker 03

  You sure?

• 1:03:20Caleb Hammer?

  I'm okay. Okay. I saw it there, but you're just getting tools and ripping packs and being.

• 1:03:24Speaker 03

  The reason I got.

• 1:03:25Caleb Hammer?

  Okay, fine, let me see it.

• 1:03:26Speaker 03

  The reason I I'm getting tools and everything is because I wanted to.

• 1:03:30Caleb Hammer?

  The truck pulls up and you're like, woo, can't wait.

• 1:03:33Speaker 03

  No, no, no, no.

• 1:03:34Caleb Hammer?

  Right? Isn't that what happens?

• 1:03:35Speaker 03

  No.

• 1:03:35Caleb Hammer?

  That's what happens at the car mechanics.

• 1:03:37Speaker 03

  Yeah, but the thing is I go to Home Depot and buy these tools because

• 1:03:44Speaker 03

  like Home Depot has deals sometimes on like Milwaukee Tools, which is a brand that's really expensive in the tool space.

• 1:03:50Caleb Hammer?

  Show me your affirm.

• 1:03:52Speaker 03

  Yes, sir.

• 1:03:52Caleb Hammer?

  Freak, you three way watching freak.

• 1:03:57Caleb Hammer?

  It's just, yeah, it's the same, actually the same balance as I made progress once.

• 1:04:00Speaker 03

  Uh, go to next month and you'll see.

• 1:04:01Caleb Hammer?

  Quiet, boy.

• 1:04:03Speaker 03

  Jeez, boy.

• 1:04:06Speaker 03

  Minority.

• 1:04:07Caleb Hammer?

  I know you're a white Cuban. Shut up. I'm so sick of people like you. There's people that are Middle Eastern. You're white. You get all the privilege of white.

• 1:04:15Speaker 03

  I'm actually 12% black, dude.

• 1:04:17Caleb Hammer?

  And I'm like 8%, okay? So I don't go around and claim it. I don't even claim my native shit. Listen, the thing is, it doesn't all that matter. Do you actually face the discrimination or not? Because everyone is like, oh, I'm all this, I'm this. Do you have you faced any trouble? No, you've been treated like a white person your entire life because you're white.

• 1:04:34Speaker 03

  I'm I'm privileged in a way.

• 1:04:38Caleb Hammer?

  You're 12%?

• 1:04:40Speaker 03

  What?

• 1:04:40Caleb Hammer?

  You're 12% black?

• 1:04:42Speaker 03

  Yeah.

• 1:04:43Caleb Hammer?

  Say it then.

• 1:04:45Caleb Hammer?

  Mm hmm.

• 1:04:45Speaker 03

  Ah.

• 1:04:46Caleb Hammer?

  Doesn't sound like he is 12%. Okay, lots of Home Depot, Amazon, car parts, America's best in store, Harbor Freight, Home Depot, Airbnb, nine of 12. He's borrowing these at, you wouldn't even know what a number is if I told you, but.

• 1:05:02Caleb Hammer?

  Thirty-two percent interest.

• 1:05:03Speaker 03

  Yeah.

• 1:05:04Caleb Hammer?

  And that's nothing to her. That's bad. Uh, father, I'm sure you're great and you want her, you want her to be like a princess spoiled by a man. She does need to know a couple of things and interest is one of them. You can go ahead and teach her, cause. All right. He's watching this?

• 1:05:18Speaker 03

  Yes.

• 1:05:19Caleb Hammer?

  So he's watching me talk about doing an Eiffel Tower with.

• 1:05:21Speaker 03

  Yes.

• 1:05:22Caleb Hammer?

  Your husband and.

• 1:05:23Speaker 03

  Yes.

• 1:05:23Caleb Hammer?

  Okay. But now I feel awkward about it.

• 1:05:26Speaker 03

  Because.

• 1:05:26Caleb Hammer?

  I'm okay with my parents saying that and my girlfriend saying that, but your parents?

• 1:05:30Speaker 03

  Those, sometimes those Home Depot prices is because I wanted to do something for her. I built her a bench. I built her paint, stuff like.

• 1:05:38Caleb Hammer?

  You built her paint?

• 1:05:39Speaker 03

  No, but I painted a room, like a closet for her and it was pretty expensive.

• 1:05:44Caleb Hammer?

  A little Mexican, aren't you?

• 1:05:47Caleb Hammer?

  Yeah, yeah, yeah. This is insane. Yeah. And they're all at very high. So he's not affirming them in like an actual interesting arbitrage way where he's like stretching out in four payments at zero percentage. You don't know any of this.

• 1:05:59Speaker 02

  I didn't know you could go that high.

• 1:06:01Caleb Hammer?

  It's even worse.

• 1:06:02Speaker 02

  On a firm.

• 1:06:03Speaker 03

  Well, they, they always update it because I always make my payments on time and I always purchase things that they like.

• 1:06:10Caleb Hammer?

  Yeah, your payments on time of like your 40 payments for one purchase, you're still losing so much in interest. It doesn't matter.

• 1:06:16Speaker 03

  Oh, I got it right now. And tools hold their value. Tools do hold them. Well, I won't sell them because I, I need them. I do need them.

• 1:06:25Caleb Hammer?

  Every single one. I know tool people like you. I've had many tool people. Like you always get more tools than you need, nicer tools than you need.

• 1:06:31Speaker 03

  Uh huh. Eight thousand dollars for tools is not a lot. Plus Airbnb was on there. So.

• 1:06:36Caleb Hammer?

  Yeah, Airbnb was on there. That was also, it was like a 15 a month payment.

• 1:06:40Speaker 03

  For Austin.

• 1:06:41Caleb Hammer?

  Yeah, it was like a full year's worth of payments.

• 1:06:43Speaker 03

  Yeah. But the thing is they do hold their value.

• 1:06:45Caleb Hammer?

  You're marrying a poor. Your dad's gonna be very disappointed.

• 1:06:49Speaker 02

  He's. Yeah.

• 1:06:50Caleb Hammer?

  I don't think he cares about the Cuban thing. I care. I think he cares that you're poor.

• 1:06:53Speaker 03

  I've been like.

• 1:06:55Caleb Hammer?

  You're affirming 12, like Airbnb for a year at 30.

• 1:07:00Speaker 04

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

• 1:07:29Speaker 02

  3%? Yeah, that's weird.

• 1:07:32Speaker 03

  Okay, Mrs. I buy coffees every day. Three times a day.

• 1:07:36Speaker 02

  But I pay him off. I paid it off. I bought the coffee.

• 1:07:40Speaker 03

  No, you didn't.

• 1:07:40Speaker 02

  I didn't affirm it.

• 1:07:41Speaker 03

  The only reason you can't use your credit card on the coffees is because you're maxed out on your credit card.

• 1:07:48Speaker 02

  It doesn't bother me.

• 1:07:50Speaker 03

  I wonder why it doesn't bother you? Because if you ask your dad for $500, he'd probably give it to you. Am I right? Because who do I have to support me? Not you, because I can't ask you for money because you're already broke. I can't ask my parents for money because I am independent from my parents. I like to be independent from everybody. I like to do things solo. That's why all the debt's on me. Because I like to do things by myself.

• 1:08:18Speaker 02

  Well, that's good for you.

• 1:08:21Caleb Hammer?

  What, you don't have that desire for you?

• 1:08:23Speaker 02

  I want, I mean, in the future.

• 1:08:26Speaker 03

  No, you don't. No, you don't. You want your dad to be around forever.

• 1:08:30Speaker 02

  I want my dad to be around forever.

• 1:08:32Caleb Hammer?

  Yeah, to spoil you. To make sure you never have to worry about anything.

• 1:08:35Speaker 03

  Because I want to travel and do things and everything, but, and move away at least an hour so I can do my thing, you know? Like, get a higher-paying job, essence, so I don't have to do another job, so I can spend time with her. So, like, if we have to, like, live three hours away from your father, you're gonna throw a fit.

• 1:08:58Speaker 02

  I'm not willing to do that.

• 1:08:59Caleb Hammer?

  Starbucks is bullsh** and a waste of money, and you already know that by making your coffee at home and investing the rest. So now, you need to do that with your energy drink as well. Make gamer subs at home for just 40 cents a serving. Honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show, Fat and Fatter. The number-one-ranked energy drink is...

• 1:09:26Speaker 03

  Literally, the cherry flavor is insane.

• 1:09:29Caleb Hammer?

  Listen, you can also get free samples to see if you like it, or 10% off your order at gamersubs.gg, or click that link in the description below, type in code CALEB. Stop bleeding out money making minimum payments across multiple high interest accounts. Most Americans are spending hundreds, sometimes thousands of dollars that could be going toward actually paying down debt, instead of lining some banks' pockets. And look, if you're sitting on high interest credit card debt, a car loan at 18%, or, oh my goodness, a payday loan charging you triple digit interest rates, you need to hear this. If you've already cut up the cards and built better financial habits, but you're still drowning in interest payments, barely making progress, this is for you.

• 1:10:14Caleb Hammer?

  I have opened my very own marketplace, a personal loan marketplace, that lets you get personalized offers from multiple lenders in one place. You can see if you pre-qualify in minutes, and it won't impact your credit score. But here's the deal, this isn't a magic bullet. If you refinance your debt but keep swiping, you're just making the problem worse. You still need to fix the behavior that screwed you in the first place. But if you're serious about getting out of debt faster, you could potentially lower your monthly payment by securing a single payment at a much better rate. Check out the link in the description below to see your personalized offers, or go to calebhammer.com, and remember, you've still gotta do the work. Well, for, ooh, how far are you guys to downtown Dallas?

• 1:10:57Speaker 03

  Downtown Dallas is like an hour.

• 1:10:58Caleb Hammer?

  Oh, so you have a lot of range then, because that's like the best job opportunities metro in the United States. So you don't have to be three hours away.

• 1:11:07Speaker 03

  No, like, for what I'm doing...

• 1:11:10Caleb Hammer?

  Yeah, but no, even still, it's about to be the third largest metro. The GDP's almost a trillion dollars in Dallas, Fort Worth alone. You're, you will have trades opportunities in Dallas.

• 1:11:19Speaker 03

  I get that, but like, the thing is, I would want to be closer to my job, and because...

• 1:11:24Caleb Hammer?

  Yeah, that's fine. Well, how far away are you willing to live, max?

• 1:11:28Speaker 02

  An hour.

• 1:11:29Speaker 03

  No, but you wouldn't, your dad wouldn't let you live in Dallas.

• 1:11:33Speaker 02

  Why would he not let me live?

• 1:11:34Caleb Hammer?

  It doesn't have to be in Dallas city limits, there's like a trillion suburbs, you're in one of them.

• 1:11:37Speaker 03

  I know.

• 1:11:37Caleb Hammer?

  And you can still, what?

• 1:11:38Speaker 03

  I know, but like, the thing is...

• 1:11:40Caleb Hammer?

  And also, you could... What's that nice part? What, West Village? There you go, live in West Village. Your dad will be proud.

• 1:11:47Speaker 03

  West Village, but...

• 1:11:48Caleb Hammer?

  Yes, you'll never be able to afford it, but...

• 1:11:50Speaker 03

  Exactly, but the thing is...

• 1:11:51Caleb Hammer?

  But you will, when you leave him and get a wealthier wife.

• 1:11:54Speaker 04

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

• 1:12:24Caleb Hammer?

  Man.

• 1:12:26Speaker 02

  Yeah, that sounds like a better idea. I didn't know he was this bad.

• 1:12:30Caleb Hammer?

  And a [BLEEP] addict!

• 1:12:32Speaker 02

  Oh, it's so gross. I don't want to think about it.

• 1:12:35Caleb Hammer?

  Dude, sex isn't gross.

• 1:12:37Speaker 02

  That's gross.

• 1:12:39Caleb Hammer?

  Watching people have sex? Like, I understand it's addictive, there's bad things. It's, right now, there's some young men that they only watch [BLEEP] and jacking off so they're not going out and like, doing things. But if you're doing it in a healthy way, like, what's the gross part? Dude's just like-

• 1:12:52Speaker 02

  That's not healthy, though.

• 1:12:53Caleb Hammer?

  No, yes.

• 1:12:53Speaker 03

  I'm not healthy, but-

• 1:12:55Caleb Hammer?

  No, we're all saying that.

• 1:12:56Speaker 03

  Well, the thing is, I'm not healthy with it, but if I do become healthy with it-

• 1:13:00Caleb Hammer?

  Oh, I don't, I don't know if you can become healthy with it.

• 1:13:02Speaker 03

  Probably not.

• 1:13:03Caleb Hammer?

  You've struggled with this since seven, which is kinda crazy. Uh, saver card, who's this?

• 1:13:07Speaker 03

  Uh, there's a bunch of saver cards.

• 1:13:09Caleb Hammer?

  Okay, well, this one's at $514.83.

• 1:13:12Speaker 03

  Hers.

• 1:13:12Speaker 02

  No, it's mine.

• 1:13:13Caleb Hammer?

  Okay, well, you're not paying it all off, like you just said you [BLEEP].

• 1:13:16Speaker 02

  No, I didn't say I paid it all.

• 1:13:18Speaker 03

  I said she was over maxed out.

• 1:13:19Caleb Hammer?

  Didn't you just say that? Didn't you just say, "I get my coffee and I pay it off"?

• 1:13:22Speaker 02

  Yeah, like-

• 1:13:22Speaker 03

  Oh, yeah, yeah, that was her debit card.

• 1:13:24Speaker 02

  Like, my debit card.

• 1:13:25Caleb Hammer?

  You paid off your debit card?

• 1:13:26Speaker 02

  No, like, I don't offer my coffee. I could go buy it and it comes out, and I don't have to, like, pay for it.

• 1:13:33Speaker 03

  She's saying that her debit card pays for it because her cards are already maxed out, so she can't use her credit card for it.

• 1:13:39Caleb Hammer?

  She's wearing a Jesus shirt and you're [BLEEP] jacking off to women having three ways.

• 1:13:42Speaker 03

  We, we just-

• 1:13:43Caleb Hammer?

  You don't understand this, this is like, weird. I don't think you guys are aligned on values.

• 1:13:51Caleb Hammer?

  Yeah, you're over maxed out. $14.18, 83 cents above that 500 limit. You purchased $232 and allowed interest to accrue because you're spending it on a card you're only putting in a minimum monthly payment too.

• 1:14:02Speaker 03

  She doesn't care about it, bro. At all. She doesn't care about her credit card. She doesn't care about it.

• 1:14:07Caleb Hammer?

  You don't care?

• 1:14:08Speaker 03

  She don't care. She's like, I'm young.

• 1:14:10Speaker 02

  I literally don't care.

• 1:14:11Caleb Hammer?

  Why be with her? No, no, I understand. Okay, she's probably attractive for you and stuff like that, but like, why?

• 1:14:18Caleb Hammer?

  Why? Why attach yourself to someone that's not gonna give a shit? Because she will pull down the relationship further in life without daddy and everything.

• 1:14:28Speaker 03

  Thing is, she, she will after this conversation. I just know.

• 1:14:33Caleb Hammer?

  Uh, nah, not with the response she just gave. She doesn't give a shit.

• 1:14:38Speaker 02

  I, I do pay it off sometimes.

• 1:14:39Caleb Hammer?

  No, you don't. What are you getting at the gas station for eight bucks? It ain't gas.

• 1:14:42Speaker 02

  Energy drinks.

• 1:14:45Speaker 03

  Yeah, throw her to her.

• 1:14:46Caleb Hammer?

  Good news. Game or subs. Congratulations.

• 1:14:50Speaker 03

  Lawyers.

• 1:14:52Caleb Hammer?

  Yeah, you sent a document.

• 1:14:54Speaker 02

  I'm not reaching for that.

• 1:14:57Speaker 03

  Please? Because I probably want it.

• 1:14:59Speaker 02

  Oh, it's free?

• 1:15:00Speaker 03

  Yes.

• 1:15:01Caleb Hammer?

  Well, I didn't throw it at you and make you pay for it. So... That's 40 cents a serving, just like you should be making your coffees at home now, instead of putting it on credit cards. You listening?

• 1:15:12Speaker 02

  Yeah.

• 1:15:13Caleb Hammer?

  You're gonna make your energy drinks at home now.

• 1:15:15Speaker 03

  I mean, I have, but...

• 1:15:16Caleb Hammer?

  They taste better. They actually do taste better. They're incredible. Uh, get your free samples, link below with my code Kaleb, figure out what flavor you like. And then, once you do, order them with a 10% discount and you will be getting the energy drinks of your choice for 40 cents a serving. It's delicious. gamersubs.gg

• 1:15:35Speaker 02

  Does it taste like Red Bull?

• 1:15:36Speaker 03

  Queso.

• 1:15:37Caleb Hammer?

  Uh, Red Bull's like the worst one, but, um... Uh, I'm sure there's one that matches that flavor profile.

• 1:15:43Speaker 03

  Ginger.

• 1:15:44Caleb Hammer?

  Yeah, I don't know what his flavor is. I haven't had that one.

• 1:15:46Speaker 03

  Looks good. Wait, is your flavor coming out?

• 1:15:48Caleb Hammer?

  Soon.

• 1:15:50Caleb Hammer?

  So, energy drink, DoorDash and Chick-fil-A, Raisin Canes. I think energy drink bullshit for sure. Clean start. Car wash probably, don't really need to do that in Dallas. Panda Express, Whataburger, energy drink, DoorDash and McDonald's bullshit in and out in the Austinite Market.

• 1:16:12Caleb Hammer?

  Which I've never even heard of as an Austinite.

• 1:16:15Speaker 03

  Austinite Market, what the hell is that?

• 1:16:17Speaker 02

  How much is it for?

• 1:16:18Caleb Hammer?

  Twenty-eight ninety-seven.

• 1:16:20Speaker 03

  Oh, okay, so.

• 1:16:20Caleb Hammer?

  Might be gas.

• 1:16:21Speaker 03

  Thirst store.

• 1:16:22Speaker 02

  Oh, yeah, thrifting.

• 1:16:24Caleb Hammer?

  Uh, she's had a late fee this year so far.

• 1:16:26Speaker 03

  Nah, expected, just expected.

• 1:16:28Caleb Hammer?

  Well, she was freaking out about you having one, but she's had one herself.

• 1:16:31Speaker 02

  There's probably a bunch on there.

• 1:16:33Speaker 03

  Like from last year.

• 1:16:34Speaker 02

  No, it's not a joke, but I know, I already know.

• 1:16:37Caleb Hammer?

  I mean, it's like, again, like at twenty, I was an adult, I could, I was doing, taking responsibility, but you're right. Among your generation, something happened where twenty-year-olds now are like what I was like at fifteen, so I, I don't know how to treat you. Should I treat you like the child you pretend you are and just be like, oh, yeah, she'll figure it out at some point? Yeah, she's just a kid.

• 1:16:55Speaker 03

  I want her to figure it out now.

• 1:16:56Caleb Hammer?

  I do too, but she doesn't, she's, I probably have more.

• 1:17:00Speaker 03

  Cause I.

• 1:17:01Speaker 02

  I do care about it.

• 1:17:02Speaker 03

  Me being like kinda independent from my family and not relying them to pay for my stuff.

• 1:17:07Speaker 02

  My dad doesn't pay my credit cards.

• 1:17:08Speaker 03

  But he would, but he would.

• 1:17:10Caleb Hammer?

  If he knew about it, probably. Who has the one main financial auto car, is it a car?

• 1:17:16Speaker 03

  No, uh, consolidation.

• 1:17:18Caleb Hammer?

  No, why?

• 1:17:19Speaker 03

  The only, only reason I got that is because of you, Caleb, cause I thought I was gonna do it right.

• 1:17:23Caleb Hammer?

  But I say, don't do it unless you change your behavior, that makes no sense.

• 1:17:27Speaker 03

  I, I, I didn't, but I was like, let me, let me do it.

• 1:17:30Caleb Hammer?

  But that's not what I advised, because we actually do personal loans and everything on CalebHeber.com for great rates. And credit cards match people with credit cards that are great, but only if you're credit card people, which you're not. And only with people who've changed their behavior before they do a consolidation or personal loan, which you didn't. So, no, I did not suggest that, that doesn't make any sense.

• 1:17:49Speaker 03

  Well.

• 1:17:49Caleb Hammer?

  You're.

• 1:17:51Speaker 03

  Hell, yeah. But the reason I got it is because our roommate was moving out and I needed also extra money from that loan. And I think like the truck's collateral for that as well. If I, you know, yes.

• 1:18:07Caleb Hammer?

  What interest rate?

• 1:18:08Speaker 03

  Uh, I think it's

• 1:18:09Caleb Hammer?

  Ah, twenty-eight point three-nine percent! What's the point of a consolidation loan at the rate that like the worst credit cards are at anyway?

• 1:18:17Speaker 03

  Because my credit cards are already that rate.

• 1:18:19Caleb Hammer?

  So what was the point of the consolidation then?

• 1:18:20Speaker 03

  To pay off three, so I could get rid of that monthly payment.

• 1:18:23Caleb Hammer?

  As though it's the monthly payment.

• 1:18:24Speaker 03

  My monthly payment for the Sapphire Preferred before the one-twenty, it used to be three hundred dollars. Cause I over maxed it out because we went to a cruise and we over, we overdid it. We put seven grand on a five, uh, five grand limit.

• 1:18:41Caleb Hammer?

  I'm being told her big financial shift has not been blonde anymore. She's dyed her hair brown, but you don't look blonde to me at all.

• 1:18:47Speaker 03

  Look at her roots.

• 1:18:47Speaker 02

  No, I used to be blonde.

• 1:18:49Caleb Hammer?

  Oh, you already dyed brown?

• 1:18:50Speaker 02

  Yeah. To save money.

• 1:18:52Caleb Hammer?

  What?

• 1:18:53Speaker 02

  To save money.

• 1:18:54Caleb Hammer?

  Why didn't you just stay blonde?

• 1:18:55Speaker 02

  Cause I'm not naturally bleached blonde.

• 1:18:58Caleb Hammer?

  What are you?

• 1:19:00Speaker 02

  Like, regular blonde?

• 1:19:01Speaker 03

  She's a strawberry blonde.

• 1:19:02Caleb Hammer?

  Isn't it costing money to dye it brown and not just leave it natural?

• 1:19:07Speaker 02

  No, cause I wanna be, when I dyed it blonde, it was bleached blonde.

• 1:19:10Caleb Hammer?

  Just leave it normal!

• 1:19:12Speaker 02

  No, it would look bad to grow it out.

• 1:19:14Caleb Hammer?

  Oh, when you grow out, I understand what you're saying. But now you'll let it go natural.

• 1:19:19Speaker 02

  Yeah. To save money.

• 1:19:22Speaker 03

  Not really. You just wanted to change your hair color, bro. Be honest. You just wanted something different.

• 1:19:29Speaker 02

  Well, yeah, the blonde was kinda boring. But I did do it, cause I didn't, didn't wanna pay one fifty-five every eight weeks anymore.

• 1:19:36Caleb Hammer?

  Seven thousand, six hundred fifty-four dollars, ninety-five cents is what you have in your personal loan at that nearly thirty percent interest with two hundred forty-five dollar, ninety-seven cent minimum monthly payment.

• 1:19:45Speaker 03

  Yeah.

• 1:19:46Caleb Hammer?

  That's crazy, dude.

• 1:19:47Speaker 03

  I know.

• 1:19:48Caleb Hammer?

  Freedom card. What's this?

• 1:19:50Speaker 03

  Mine.

• 1:19:50Caleb Hammer?

  Oh, there's your, I think dyed blonde, right?

• 1:19:53Speaker 03

  Yeah.

• 1:19:53Speaker 02

  Mm-hmm.

• 1:19:54Caleb Hammer?

  Hmm.

• 1:19:55Speaker 03

  Uh.

• 1:19:56Caleb Hammer?

  You do look Mexican in that one, and you look like a meth head in that one. Something's wrong.

• 1:20:00Speaker 02

  I don't even know what picture it is.

• 1:20:02Caleb Hammer?

  But you both look horrible in this picture.

• 1:20:03Speaker 02

  I don't even know what.

• 1:20:05Speaker 03

  Okay, it was a bad picture. I picked out the picture. I picked out the picture, bro. I picked out the picture.

• 1:20:09Caleb Hammer?

  Neither of you look good in that.

• 1:20:10Speaker 03

  My bad.

• 1:20:11Caleb Hammer?

  You look good in person, but it's just like, I don't know. Okay, Freedom Card.

• 1:20:15Speaker 03

  Mine.

• 1:20:16Caleb Hammer?

  Okay.

• 1:20:17Speaker 03

  I got it when I was eight, uh, nineteen. Uh, I just used it, bro. I got maxed it out. Didn't know what a credit card was because my parents don't have credit cards. They didn't, they don't know what credit cards are.

• 1:20:32Caleb Hammer?

  Yeah, they're illegal.

• 1:20:33Speaker 03

  Not legal. If you swam to the beach, you would have been, you know, a citizen back in the day. So.

• 1:20:41Speaker 02

  They're rest.

• 1:20:41Caleb Hammer?

  Did they hit it in time?

• 1:20:42Speaker 03

  Yes. They came here when Castro was kicking everyone out. That was, you know, prisoners.

• 1:20:48Caleb Hammer?

  Good for them. Ended up in Buffalo, which is weird. Six hundred ninety-three dollars, not maxed out, not great. Only making them a little more than the minimum, but nothing's crazy. So you owe six hundred ninety-three twenty-one at a forty-dollar a month minimum monthly payment, but you're purchasing on your other credit cards, but not this one.

• 1:21:04Speaker 03

  No.

• 1:21:04Caleb Hammer?

  Buy the other ones, but not this one. Like, what, what, what, what?

• 1:21:07Speaker 03

  Cause I'm scared with that one.

• 1:21:08Caleb Hammer?

  Why specifically? It's the twenty-one dollars.

• 1:21:10Speaker 03

  It's the oldest one. It matters more.

• 1:21:12Caleb Hammer?

  What?

• 1:21:14Speaker 03

  It matters more.

• 1:21:14Caleb Hammer?

  Okay, well, twenty-one months to pay that one off. Of course, the first one was like twelve years, but. And you are, and you've paid on time too. Quicksilver, who's this?

• 1:21:22Speaker 03

  Uh, which one?

• 1:21:23Speaker 02

  Also him.

• 1:21:24Speaker 03

  No, no, no, no, no.

• 1:21:25Speaker 02

  I don't know what that is.

• 1:21:26Speaker 03

  What?

• 1:21:27Speaker 02

  I only have one.

• 1:21:27Caleb Hammer?

  Two twenty-three eighty-one.

• 1:21:29Speaker 03

  Mine, mine, mine, mine.

• 1:21:30Speaker 02

  He.

• 1:21:30Speaker 03

  Well, she's a, she's authorized user.

• 1:21:32Speaker 02

  I don't use them.

• 1:21:33Caleb Hammer?

  You are? Why would you want to be attached to this dude's horrible credit?

• 1:21:36Speaker 02

  He put me on it.

• 1:21:37Speaker 03

  Well, I used to pay off my cards all the time when we first started getting together.

• 1:21:41Caleb Hammer?

  Twenty-five dollar minimum payment. You're purchasing more than he put towards it while interest is accruing. See, you immediately Chicken Express, McDonald's bullshit, McDonald's, Goodwill, blessed hands.

• 1:21:52Speaker 03

  Blessed hands is my barber.

• 1:21:54Caleb Hammer?

  Okay. Don't be surprised if he's going and getting a happy ending and special massages soon, by the way.

• 1:21:59Speaker 03

  Oh, he's a, he's a guy and I met him in high school.

• 1:22:02Speaker 02

  He's there like three hours.

• 1:22:03Speaker 03

  Oh, okay, right, that makes sense.

• 1:22:05Caleb Hammer?

  Yeah, when she's not making you come, yeah. Okay, this saver card's paid off every month, so I'm not gonna freak out about this one. Someone's buying Amazon.

• 1:22:14Caleb Hammer?

  Yeah, it is a lot of credit cards. Well, okay, credit cards are done. Someone who has a Chase checking account?

• 1:22:19Speaker 03

  Me.

• 1:22:19Caleb Hammer?

  Started with forty-four dollars. It's crazy. You want to, do you want a traditional? What do you want this relationship to be like? You want to be a trad wife?

• 1:22:27Speaker 02

  No.

• 1:22:28Speaker 03

  I think so. Cause she said that she doesn't want to, she wants to have a baby and then take a year off work.

• 1:22:34Speaker 02

  One year, but I want a career.

• 1:22:36Caleb Hammer?

  That's not trad though. This is a year off of work. Not her whole life. Huh?

• 1:22:39Speaker 02

  I want a career.

• 1:22:40Caleb Hammer?

  Okay. Yeah, you're gonna be a teacher. Making our kids more. But I'm just concerned if he's gonna be the red winner. Forty-four dollars is a scary beginning balance. Ending at two thirty-five at least, but still not good enough. Apple Bill. Netflix, coffee, McDonald's, Tom Thumb, Japanese, Thomas Forbes Jr., the county seat, O-Face Flavors.

• 1:23:01Speaker 02

  County seat?

• 1:23:02Speaker 03

  That was at the sip and drink and shop. Strip club.

• 1:23:07Speaker 02

  What? It's like a bar.

• 1:23:09Speaker 03

  It's a bar that we go to to buy trinkets and stuff. They have like vendors and stuff to go out there.

• 1:23:16Caleb Hammer?

  There were twenty. Amazon. Like energy drinkers and bullshit, bullshit, Whataburger, Subway, Waffle House, Panda Express, Apple Bill. If you, buddy, if you want to pay off your debt and you want to fix a financial situation, why is it pages and pages of bullshit? You're going out like twice a day minimum. Tom Thumb, McDonald's, bullshit. Van Line, Monkey's Village, Bird Bird Biscuit, A Whole Coffee, La La Land, a brand shop.

• 1:23:39Speaker 02

  That's all in Austin?

• 1:23:40Caleb Hammer?

  Yeah, it is. Bar partners, you couldn't afford it. Museum of the where?

• 1:23:45Speaker 03

  Weird.

• 1:23:45Caleb Hammer?

  Weird. Oh, yeah, the D cut off. Austin Souvenirs, a Jackal, Austin Souvenirs. What? It's the same state. Why are you bringing souvenirs? You aren't traveling from like Ohio.

• 1:23:59Speaker 03

  Austin is a different culture here than it is in Dallas.

• 1:24:01Caleb Hammer?

  Sure, it's, yeah, but like.

• 1:24:02Speaker 03

  It's walkable.

• 1:24:04Caleb Hammer?

  It's, well, I mean, Uptown's walkable.

• 1:24:06Speaker 03

  Liberal as well, you know?

• 1:24:07Caleb Hammer?

  Dallas, the city's liberal and Uptown's very walkable in Dallas. There's, there's, Uptown is very walkable in Dallas. What are you talking about? I know Austin, I almost moved to Uptown. Yes, it is.

• 1:24:19Speaker 03

  The reason I'd say it's not walkable is because there's more homeless people in Dallas that could.

• 1:24:24Caleb Hammer?

  Not in Uptown. There's more homeless people in Austin objectively than Uptown.

• 1:24:28Speaker 03

  Okay. Hey, you're right. Wrong.

• 1:24:32Caleb Hammer?

  Okay, you don't know what you're talking about.

• 1:24:35Caleb Hammer?

  Burdaff, Jackalope, DoorDash-ing, DoorDash, DoorDash.

• 1:24:40Speaker 03

  DoorDash was an Austin.

• 1:24:41Caleb Hammer?

  Black Rifle Coffee, Panda Express, Dutch Bros Chipotle, McDonald's, or Ranger. McDonald's is crazy. Roku, bullshit. Red River Stop, Panda Express, Applebell, Applebell, Applebell is probably his OF, maybe, who knows. Road Ranger, Airbnb, Chicken Express, Taco Bell, bullshit, bullshit, McDonald's. Thousands spent on bullshit. Going out to eat, bullshit, Miss Lanny's, bullshit, crazy. Miss Lanny's bullshit, $2,000. Bullshit food, going out to eat, $1,600. You can't complain about being in debt. You guys are just being kids, having fun. You're [bleep]. Okay, First Bank, I'm guessing that's you.

• 1:25:16Speaker 02

  Mm-hmm.

• 1:25:16Caleb Hammer?

  $17. Started with negative $8.95, by the way.

• 1:25:20Speaker 03

  What?

• 1:25:21Caleb Hammer?

  Here, is who you're gonna be with.

• 1:25:22Speaker 03

  What, what?

• 1:25:23Caleb Hammer?

  She doesn't give a [bleep]. Look at her. She's like, she has Down Syndrome or something.

• 1:25:26Speaker 03

  She, she had, she overdrafted $55, asked for her dad to give her $100, and he gave.

• 1:25:31Caleb Hammer?

  Yeah, it's for all the bullshit spending she does, by the way. The Connoisseur, Moby Dick's Gift Shop, Island Sports, The Islander, St. Joe's Pizza, Thrift Store, Sharon's, totally, bullshit, House of Sports, Cash App, Cash App, Cash App, Cash App, McDo- or App- Applebell, Subway, I Love Nails and Spa, Hill Cafe, K-Ritz Brewing, Paige Davidson, Brass Bunny, bullshit, Red River Stop, bullshit, Venmo, Cash App, Wendy's, DoorDash, bullshit, Seven Brew, bullshit, McDonald's, Cafe, I Love Nails, bullshit, Brahms, Cash App, Taco, Casa Hills Cafe, Coffee, Lenny's Trailer, bullshit, Austin Market, Howdy's Vintage,

• 1:26:16Caleb Hammer?

  Macy's, Wendy's, Road Ranger, Wendy's, Road Ranger, Seven Brew Coffee, Applebell, you guys are [bleep] degenerates. You know, the money you make, if you weren't investing this properly, especially with the blessed situation of the house being purchased that she has, you guys would be multi-multi-multi-millionaires by the time you're retired. This is pathetic, the way you guys are living. Pathetic in every way whatsoever. You should be embarrassed. I am. You'd have the best futures out of anyone who's been on the show if you just acted like [bleep] adults.

• 1:26:43Speaker 02

  You don't go to McDonald's every once in a while?

• 1:26:46Caleb Hammer?

  I could afford it and unfortunately, no, I'm banned.

• 1:26:49Speaker 02

  Not McDonald's?

• 1:26:50Speaker 03

  Well, he's on a diet, bro.

• 1:26:51Caleb Hammer?

  My girlfriend. Well, not really. I'm kind of flatlined. But even still, I don't want to gain.

• 1:26:56Speaker 03

  Well, I mean...

• 1:26:58Speaker 02

  We work out, so we can eat.

• 1:27:01Caleb Hammer?

  One thousand two hundred thirteen dollars and ninety-seven cents. That's your minimum monthly payments. Now, rent, we don't really have it, right?

• 1:27:08Speaker 03

  Fourteen thirty.

• 1:27:09Speaker 02

  It's fourteen.

• 1:27:09Caleb Hammer?

  How?

• 1:27:10Speaker 03

  I pay for it. I pay for it.

• 1:27:12Caleb Hammer?

  Huh?

• 1:27:13Speaker 02

  He bought it, but we pay.

• 1:27:14Speaker 03

  It's a LSC that purchased it.

• 1:27:16Caleb Hammer?

  Sake. Okay, so what is it? One thousand?

• 1:27:18Speaker 03

  Four, uh, one thousand four hundred and thirty.

• 1:27:22Caleb Hammer?

  Utilities, gas, electric, internet?

• 1:27:24Speaker 03

  Uh, our, our gas, electric, internet, uh, fifty-five dollars for, uh, wifi, a hundred dollars for water, a hundred and seventy-five for electric.

• 1:27:39Caleb Hammer?

  No gas?

• 1:27:40Speaker 03

  No, no.

• 1:27:40Caleb Hammer?

  Three thirty, phone bill.

• 1:27:42Speaker 03

  Phone bill is two forty.

• 1:27:44Caleb Hammer?

  What the?

• 1:27:46Speaker 03

  Sixty, because my brother is on my line as well.

• 1:27:49Caleb Hammer?

  Okay.

• 1:27:52Caleb Hammer?

  One eighty. Gas, room, room, drive, drive?

• 1:27:55Speaker 03

  Four hundred. Cause I do Spark and that's a delivery thing for Walmart.

• 1:28:01Caleb Hammer?

  Car insurance?

• 1:28:02Speaker 03

  Uh...

• 1:28:03Caleb Hammer?

  What about your gas?

• 1:28:04Speaker 03

  I pay for it.

• 1:28:06Caleb Hammer?

  And so a hundred total?

• 1:28:07Speaker 03

  Four hundred total.

• 1:28:08Caleb Hammer?

  Four hundred?

• 1:28:09Speaker 03

  Four hundred.

• 1:28:09Caleb Hammer?

  Oh.

• 1:28:10Speaker 03

  Four hundred total, and then, uh, two eighty-four for insurance.

• 1:28:15Caleb Hammer?

  Six hundred for groceries. Totally fine. Yep, plan. TP fund, anything else to survive, two hundred dollars. Tampons, makeup, haircuts, all that good stuff. Medical healthcare, copays?

• 1:28:29Speaker 03

  She goes to the doctor often, and she has actual debt from her doctor.

• 1:28:34Caleb Hammer?

  What are you, what's wrong with you?

• 1:28:36Speaker 03

  She...

• 1:28:37Caleb Hammer?

  Besides, like, you look places.

• 1:28:39Speaker 03

  She has depression.

• 1:28:40Caleb Hammer?

  Mm-hmm. So what's your copays?

• 1:28:43Speaker 02

  Seventy dollars.

• 1:28:44Caleb Hammer?

  How frequently?

• 1:28:46Caleb Hammer?

  Doctor or therapy? I thought you was doing like-

• 1:28:48Speaker 02

  Doctor.

• 1:28:48Caleb Hammer?

  Seventy dollars a week.

• 1:28:50Speaker 03

  A week, seventy dollars a week.

• 1:28:51Caleb Hammer?

  You're anti-therapy, but you have depression?

• 1:28:53Speaker 02

  Yeah.

• 1:28:55Speaker 03

  She doesn't wanna talk to a therapist.

• 1:28:56Caleb Hammer?

  Who are you going to for eighty, seventy dollars a week?

• 1:28:59Speaker 03

  Her-

• 1:28:59Speaker 02

  My doctor?

• 1:29:00Speaker 03

  Her physician, bro.

• 1:29:01Speaker 02

  Mm-hmm.

• 1:29:01Speaker 03

  Like her-

• 1:29:02Caleb Hammer?

  What?

• 1:29:03Speaker 03

  Like Clint, Clint.

• 1:29:03Caleb Hammer?

  She goes to, what? A week?

• 1:29:06Speaker 02

  Not a week, I don't go every week.

• 1:29:09Speaker 03

  Yeah, you do. You take off work for that reason and they-

• 1:29:12Speaker 02

  I owe two seventy-

• 1:29:13Speaker 03

  You gave them more than three doctors now, this year, and we're only in May.

• 1:29:17Caleb Hammer?

  Oh, wait, but that's not once a week, though?

• 1:29:19Speaker 02

  No.

• 1:29:19Speaker 03

  No, no, no, this month has been once a week.

• 1:29:22Caleb Hammer?

  Is it two hundred and eighty bucks a month or not? What is it?

• 1:29:24Speaker 03

  What do you think?

• 1:29:25Caleb Hammer?

  Copays.

• 1:29:25Speaker 03

  What do you think?

• 1:29:26Speaker 02

  I don't know, I pay like two seventy in copays this month.

• 1:29:30Caleb Hammer?

  Ah!

• 1:29:31Speaker 02

  So, however-

• 1:29:32Speaker 03

  Yeah, exactly.

• 1:29:33Caleb Hammer?

  Does he keep going to the doctor? Why?

• 1:29:34Speaker 02

  Cause he keeps changing my medicine.

• 1:29:38Caleb Hammer?

  What, that quick?

• 1:29:39Speaker 03

  Yes.

• 1:29:39Speaker 02

  Yeah, cause if I don't think it works, I'm not taking it. So I go back.

• 1:29:42Caleb Hammer?

  Okay, yeah, you're horrible.

• 1:29:46Speaker 02

  I don't wanna take medicine for no reason.

• 1:29:48Caleb Hammer?

  But you don't know, it takes time for something to work or not.

• 1:29:51Speaker 03

  Well, she doesn't wanna talk about her problems with anybody.

• 1:29:53Caleb Hammer?

  You don't do, go to a, um-

• 1:29:56Speaker 03

  Her doctor advised her to go to therapy, but she doesn't want to.

• 1:29:59Caleb Hammer?

  Not even just doctor, what about the one who-

• 1:30:03Caleb Hammer?

  Psychiatrist?

• 1:30:04Speaker 03

  Yeah, yeah, yeah.

• 1:30:05Speaker 02

  Oh, I don't talk to them.

• 1:30:08Caleb Hammer?

  That's the one who's better at prescribing medicine, usually. Dude, you got, you're weird.

• 1:30:13Speaker 02

  Just see my regular doctor.

• 1:30:14Caleb Hammer?

  Yeah, shut the [bleep] up. Eighty dollars, you have no hope. Eighty dollars a month for subscriptions, anything else that needs to be in this budget?

• 1:30:20Speaker 03

  Uh, not that-

• 1:30:20Caleb Hammer?

  You have any pets?

• 1:30:21Speaker 03

  Yes, we have- Pug.

• 1:30:23Caleb Hammer?

  No.

• 1:30:24Speaker 02

  Name's Apollo.

• 1:30:24Speaker 03

  He's two years old.

• 1:30:25Caleb Hammer?

  Okay, fifty bucks for pet insurance, how much for pet food?

• 1:30:27Speaker 03

  Uh, it's, uh, around like forty bucks?

• 1:30:30Speaker 02

  Mm-hmm.

• 1:30:31Caleb Hammer?

  Okay, anything else that needs to be in here?

• 1:30:32Speaker 03

  Uh, do you have anything, anything else? Well, she also makes one eighty-five, oh, every two weeks with her dad because-

• 1:30:42Speaker 02

  I clean offices, I clean his office.

• 1:30:45Speaker 03

  So, yeah. So, add that to income as well. And we don't have any other subscriptions or anything?

• 1:30:51Speaker 02

  I think we've add it all up before.

• 1:30:54Speaker 03

  I did. You didn't care about it because you didn't want to listen to it.

• 1:30:57Caleb Hammer?

  Oh, okay. So a couple of things. You mentioned in the green room, you have a Best Buy credit card.

• 1:31:02Speaker 03

  Yeah. Uh, it's a hundred and fifty-three. Uh, I used it for my

• 1:31:06Caleb Hammer?

  Hundred and fifty-three dollars?

• 1:31:07Speaker 03

  Eight hundred and fifty-three dollars.

• 1:31:09Caleb Hammer?

  What's your minimum asshole?

• 1:31:10Speaker 03

  Thirty dollars.

• 1:31:13Speaker 03

  Sorry, bro. I didn't hear you. Like, actually, but

• 1:31:16Caleb Hammer?

  What's your minimum?

• 1:31:17Speaker 03

  Uh, thirty dollars.

• 1:31:19Caleb Hammer?

  Okay. Oh, what is this? It's an upstart as well.

• 1:31:24Speaker 03

  Oh, yeah, that's two grand for

• 1:31:25Caleb Hammer?

  Oh!

• 1:31:26Speaker 03

  For another two credit cards because I have five in total.

• 1:31:29Caleb Hammer?

  Dude, there shouldn't be more at this point. Oh. Minimum payment is, uh,

• 1:31:36Speaker 03

  Seventy bucks.

• 1:31:37Caleb Hammer?

  Seventy? Okay, so now it's five thousand, one hundred and seventy-seven dollars and ninety-seven cents a month. Dude, what the fuck is wrong with you?

• 1:31:48Speaker 02

  Are all the credit cards on there?

• 1:31:49Caleb Hammer?

  How much does she get with her dad?

• 1:31:50Speaker 03

  Yeah. Uh, one, wait, one seventy-five? What'd you get?

• 1:31:55Caleb Hammer?

  One seventy-five per?

• 1:31:56Speaker 03

  Per two weeks, so twice?

• 1:32:00Caleb Hammer?

  Okay, but even so, if you combine six thousand, four hundred and fifty, which I don't even know if we should at this point, so it's like, what a mess this is.

• 1:32:11Caleb Hammer?

  Okay, you have an extra one thousand, two hundred and seventy-two. Let's give you two hundred and seventy-two in fun money.

• 1:32:19Speaker 02

  So I feel like we do pretty good if we have extra money.

• 1:32:22Caleb Hammer?

  Yeah, that's not how this works, bitch.

• 1:32:24Speaker 03

  Because all we're gonna do with the extra money is do stupid shit that we have been doing.

• 1:32:31Caleb Hammer?

  I think the top of your document. Where is it? There it is. You have it. Okay.

• 1:32:34Speaker 03

  How much were you spending last month? Does that say twelve grand?

• 1:32:39Caleb Hammer?

  Uh, yeah.

• 1:32:40Speaker 03

  Oh, how much did we make, babe?

• 1:32:42Caleb Hammer?

  Maybe?

• 1:32:44Speaker 03

  Come on, babe.

• 1:32:45Caleb Hammer?

  Maybe?

• 1:32:47Speaker 03

  You don't know where it says.

• 1:32:48Caleb Hammer?

  Well, that's not your actual income because there are like zels and stuff. It was weird. You guys made like, actually like, it was like, almost five thousand. Okay, either way, doesn't really matter. Listen, it takes two years to pay off. That's totally fine. And I give you a fun budget that people don't get of almost three hundred dollars and save up a six-month emergency fund and live fifty, thirty, twenty for the rest of your life. You guys will be multimillionaires. This is the easiest thing ever. You're just a spoiled bitch and you have no self-control. You guys are crazy. I want to see how you guys text each other.

• 1:33:16Speaker 03

  Oh, really?

• 1:33:16Caleb Hammer?

  Okay, yes, I'm gonna be going through that on the post show. We're also gonna call her dad in the post show. There's also something else absolutely crazy. Um, okay. We'll see. So make sure to join us in the post show. Let's get the Hammer Financial Score. Spending in a budget, overspend, zero out of 10. Debt, no collections. I'm doing household here.

• 1:33:34Speaker 03

  I do have collections. A thousand and then 600.

• 1:33:38Caleb Hammer?

  Why do, why am I finding out debts an hour 36 minutes in?

• 1:33:42Caleb Hammer?

  Zero out of 10, go yourself. No savings, zero out of 10, no retirement. Zero out of 10, who's on the title for the house?

• 1:33:48Speaker 02

  My dad?

• 1:33:48Caleb Hammer?

  Just the dad, not you. So zero out of 10, go yourself. You have access to the LLC, does it? Okay. Hammer Financial Score, zero out of 10. Get yours at kylehammer.com. Join Hammer Elite, click the join button. Get three premium shows posted every single day, six days a week. Join us for the extra 20 minutes of this episode. Call the financial audit post show. It's gonna be a good one. We're gonna call the dad and I'm gonna fucking expose this guy for OF. See you there. Call her dad and admit to your crimes.

• 1:34:10Speaker 03

  Wait, you have to call her? Oh. That is insane. Hey, so we're on the show and I just got exposed. Her only [BLEEP] and I also watch [BLEEP] and they wanted me to tell you that.

• 1:34:23Caleb Hammer?

  June 1st, I'm launching the Hammer Elite app. Available on every major platform. Join the waitlist by using the link in the description or pinned comment down below to get a never before seen financial audit video and then an exclusive offer just for you. You'll get lifetime access to the entire Hammer Elite catalog and our Hammer for Life box packed with limited edition merch. So mark your calendar, June 1st. This is the best membership you'll ever join and that is a promise.