Bring Back Fat Shaming | Financial Audit

*I CALL THE GUY SHE CHEATED ON HIM WITH* and I fully expose their situation, and it gets soooooooo messy, you won't belive it. Watch post show here: https://hamr.link/ytjoin *OR* download the brand new Hammer Elite App ➡ https://hammerelite.com/#join (discounted annual) 💰 Download Dollarwise - Big Deals, New Features, Free Trial: https://go.dollarwise.com/join ============================= *Caleb Hammer Financial Resources* ============================= 👉 *PERSONAL LOANS* Shop for the best personal loan for a new purchase, a consolidation, or something else → https://shorturl.at/c53Eg 👉 *DEBT RELIEF* Finally experience relief from your debt once and for all → https://shorturl.at/VbGPv 👉 *CREDIT BUILDER* Got crappy credit? Break free and finally build it for good → https://shorturl.at/zZf2P 👉 *AUTO LOANS* Get the best rates on an auto loan or refinance → https://shorturl.at/vNxQL 👉 *CAR INSURANCE* Find and compare much better AND cheaper car insurance for free → https://hamr.link/ytautolion ============================= 🔥 MY NEW FLAVOR IS FINALLY LIVE!! Get Liquid Assets *NOW* for under 40 cents per serving!! Get 10% off your entire order with code CALEB - https://hamr.link/calebdrank 🔥 Get Your Own *Hammer Financial Score* → https://hamr.link/newquiz ============================= *Sponsors for This Video* ============================= 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 ============================= *Education* ============================= 👉 Get access to EVERYTHING I offer all in one place: https://bit.ly/4sUm2pb ⚡Learn how to budget: https://bit.ly/4sspyGh ⚡Learn how to invest: https://bit.ly/41mr8OP ⚡Pay off your debt: https://calebhammer.com/master-your-debt ============================= *Extra Resources* ============================= 👉 Land a high-paying job with no experience or degree: ➡ https://coursecareers.com/CalebHammer 👉 Get FREE MONEY by investing with Public! https://secure.moneymatchup.com/public-caleb 👉 Find the best credit cards for you with my quiz! https://cards.calebhammer.com/yt 👉 Get $20 from Acorns for free: ➡ https://acorns.com/caleb 👉 Protect your online privacy and security for free with Aura: ➡ https://aura.com/hammer 👉 Checking & Savings: Get up to $350 and 3.75% APY on savings with Chime®: https://secure.moneymatchup.com/-caleb-chime-YT ============================= *Chapters* ============================= 00:00 Intro 02:15 Jobs & Income 08:35 i love forcing people to do things they dont want to do!! 12:56 ooooh yeah hes a toxic pos (and shes overweight) 24:45 we have da rules 28:10 its not financial audit without some CHEATING 35:38 "rules for thee not for me" 55:10 shes coping so hard 01:03:47 the settlement is ALL GONE?? 01:14:42 LADY LEAAAVE HIM, THE GLASSES ARE OFF 01:24:50 bullsh*t bullsh*t bullsh*t 01:27:25 Budget!! ============================= Want more content? ============================= 🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips 🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel 🍿 Caleb Hammer Top Videos https://www.youtube.com/@CalebHammerTopVideos ============================= *Connect with me!* ============================= TikTok: https://www.tiktok.com/@calebhammercomposer X: https://x.com/sircalebhammer IG: https://www.instagram.com/calebhammercomposer/ Facebook: https://www.facebook.com/calebhammercomposer/ ============================= *Want to be a guest on Financial Audit?* ============================= 👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply *Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. Business/General: [email protected] Sponsorships: [email protected] Learn more about your ad choices. Visit megaphone.fm/adchoices

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

• 0:00Speaker 00

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• 0:30Speaker 01

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• 0:56Caleb Hammer?

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

• 1:00Speaker 03

  He told me, just so you know, if I'm not sexually satisfied, the relationship's gonna end up going downhill.

• 1:05Caleb Hammer?

  Sounds like maybe you should just break up then.

• 1:07Speaker 03

  He's also cheated on me multiple times.

• 1:09Caleb Hammer?

  Yeah, he's a piece of shit. That's what I'm saying.

• 1:11Speaker 04

  Physically, I'm just not attracted to her.

• 1:13Caleb Hammer?

  You're manipulative.

• 1:14Speaker 03

  He doesn't pay anything either.

• 1:16Caleb Hammer?

  You've ruined her credit. You probably suck at finances, as we'll learn. You've destroyed her. You cheat on her. You force her into an open relationship, and you string her along.

• 1:24Speaker 04

  I disagree, man. I'm not a loser.

• 1:26Caleb Hammer?

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• 2:05Caleb Hammer?

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

• 2:26Speaker 03

  Hello, my name is Ally. I'm 29 years old.

• 2:29Speaker 04

  My name's Tyler. I am 30 years old. We're from Dallas, Texas.

• 2:32Speaker 03

  And this is Financial Audit.

• 2:35Caleb Hammer?

  Yes, it is. Chat and people in this room, do I look... Does he... Do I look this old? Is this what I look like at 31?

• 2:43Speaker 04

  I'm gorgeous, man. What are you talking about?

• 2:44Caleb Hammer?

  I didn't say you're ugly. No one said ugly. Old doesn't mean ugly, but do I look this old? Does this have any... Like, you can be honest with me. Okay, because like you're [bleep] gray, bald. Okay, um, okay. Hey, thanks for coming in, guys. I really appreciate it. Just wanted to make sure, because I'm like, you're older than you, and I'm like, what the [bleep] is happening? This is actually kind of scary.

• 3:02Speaker 04

  Everybody usually tells me I look younger.

• 3:04Caleb Hammer?

  Nope. And we look in the mirror and we're like, okay, shit, you know, I'm used to looking at this, but maybe I'm... Maybe that's what I look like. Ally, what do you do for a living in Dallas, Texas? We might be there at some point. That's where I am hoping to move. We'll see.

• 3:20Speaker 03

  I am an office administrator at a collision center.

• 3:23Caleb Hammer?

  Why not? Love it. What do you make?

• 3:25Speaker 03

  I make 17 an hour.

• 3:27Caleb Hammer?

  Sure. Not the best for DFW, I'll be honest, if we're in a career position approaching our 30s. But, uh, okay. How many hours a week?

• 3:34Speaker 03

  I work around 47 hours a week on average.

• 3:37Caleb Hammer?

  47?

• 3:38Speaker 03

  Yes.

• 3:39Caleb Hammer?

  Okay, kind of up there. But you're definitely not the breadwinner, I assume, at that hourly income. But what does that break...

• 3:45Speaker 03

  Uh...

• 3:46Caleb Hammer?

  Okay, well, that was a face. You're not the breadwinner, are you?

• 3:49Speaker 03

  As of two months ago, I was.

• 3:51Speaker 04

  She pays a lot of the bills.

• 3:52Caleb Hammer?

  As of two months... Okay, what does that break down to in terms of a paycheck?

• 3:56Speaker 03

  Um, I get paid weekly, and my weekly paychecks are usually about 670, so that times four, that's gonna be... Two, two, two, two, four.

• 4:08Speaker 04

  Usually about 3,600.

• 4:09Caleb Hammer?

  How many times is it by 52 and divided by 12? How about that? Yeah, you don't make great money, I'll be honest. What, you want to tell her what she makes?

• 4:15Speaker 04

  Yeah, she's usually about 3,600 a month.

• 4:17Speaker 03

  It ranges because...

• 4:18Caleb Hammer?

  Well, I'm at 29, but...

• 4:19Speaker 03

  It depends on how many hours.

• 4:20Speaker 04

  Well, her overtime is very consistent. I mean, she never comes home one time. She's always working late, so...

• 4:25Speaker 03

  But that's my average. It's usually, for the past like three months, it's been 47 hours. So, that's why I'm like... That's why I say average, because sometimes I'll work 50 hours.

• 4:34Caleb Hammer?

  What do I put?

• 4:35Speaker 03

  That's fine.

• 4:37Caleb Hammer?

  29?

• 4:38Speaker 04

  Okay, we'll go with what she said.

• 4:39Caleb Hammer?

  No, how about let's go with the reality? I need to know the reality.

• 4:41Speaker 04

  Put down probably like 35. Let's meet in the middle.

• 4:43Speaker 03

  No.

• 4:44Caleb Hammer?

  That 35 is mean in the middle from 36 and 29?

• 4:47Speaker 03

  You can just put...

• 4:49Speaker 04

  Are you calculating with your overtime?

• 4:51Caleb Hammer?

  Who knows? You or him?

• 4:52Speaker 04

  You always ask me to calculate it? When we like apply for a credit card.

• 4:55Caleb Hammer?

  Hold on, who knows more? You or him?

• 4:58Speaker 03

  Um, I usually just give him an average, and he does the math for me, but that's...

• 5:04Caleb Hammer?

  Guys, this is the first question. This is the easiest question, in fact, I would say. How much do you make a [bleep] month, dude?

• 5:10Speaker 03

  Um, a month, that's...

• 5:12Caleb Hammer?

  Woman?

• 5:13Speaker 03

  I'm sorry, math is not like the strongest word.

• 5:16Caleb Hammer?

  How much is your [bleep] count on a monthly basis?

• 5:18Speaker 03

  Well, because I get paid every week. That's why I don't say monthly. I used to get paid twice a week, and I could easily average that. So, 670 times four, that's...

• 5:27Speaker 04

  I believe in you.

• 5:30Speaker 03

  Shut up. So, 670 times four, that's 04. Seven times four, that's gonna be 20... That's 28, eight, two. That's gonna be six times four, that's gonna be 24, plus two, that's 24, four, five, six, that's 26. So, about 26 to 2700.

• 5:48Caleb Hammer?

  That's even less than I had. Weekly income.

• 5:52Speaker 03

  That's...

• 5:54Caleb Hammer?

  And that's 1,000 less than you're saying.

• 5:57Speaker 04

  When we went and bought the last car, that's what they really calculated.

• 5:59Caleb Hammer?

  When was that?

• 6:00Speaker 04

  It was about 35, just a couple...

• 6:01Caleb Hammer?

  When was that?

• 6:02Speaker 04

  Probably about two months ago.

• 6:03Caleb Hammer?

  Dude.

• 6:06Caleb Hammer?

  Okay, I don't know. I'm gonna do 32.

• 6:10Speaker 04

  There we go.

• 6:10Caleb Hammer?

  Just go on... No, not "there we go." That's not a real [bleep] number. I don't know what's a real number. But what do you do, guy?

• 6:17Speaker 04

  I am a territory sales manager.

• 6:21Caleb Hammer?

  What are you territorying selling?

• 6:23Speaker 04

  Telecom product.

• 6:24Caleb Hammer?

  Very good. There you go. That's all you had to say. What do you make? Manager, I hear manager, managers, exciting manager.

• 6:30Speaker 04

  So, if we're not... If we're not calculating for the bonuses.

• 6:32Caleb Hammer?

  Well, let's probably calculate for the bonuses because that is money that actually comes in. Is that money that comes in?

• 6:36Speaker 03

  Yes.

• 6:36Speaker 04

  Well, my bonuses are quarterly. So, if we're doing monthly, probably about 4,100.

• 6:40Caleb Hammer?

  Okay, 4,100. Now, what is that quarterly bonus?

• 6:43Speaker 04

  Quarterly bonus? I haven't been there long enough to really know. My first one was only five...

• 6:47Caleb Hammer?

  How long have you been there?

• 6:48Speaker 04

  Let's split three, three, four months?

• 6:49Speaker 03

  No, it's been three months.

• 6:51Speaker 04

  Well, no, we just went past my third month. I'm on my fourth month. I worked with them for about a year, but it was a different branch of the company, and there was like a four-month break.

• 6:59Caleb Hammer?

  Thrilling. 4,100, okay, that's your paycheck? Is that your net? That's your gross.

• 7:04Speaker 04

  I would say that's my gross.

• 7:06Caleb Hammer?

  You would say? Can we just... I want to know the [bleep]. Guys, we are over five minutes. I'm gonna lose my [bleep] mind. What?

• 7:15Speaker 04

  We're looking at about 1,100 a week.

• 7:16Caleb Hammer?

  At about? At about? At about? At about? What's your average? Take a monthly pay.

• 7:23Speaker 04

  39.

• 7:25Speaker 04

  We'll go with 39.

• 7:26Caleb Hammer?

  We'll go with?

• 7:27Speaker 04

  Yeah.

• 7:28Caleb Hammer?

  Guys, I'm literally...

• 7:29Speaker 04

  I usually [bleep] calculate gross. Nobody ever asked me to do net.

• 7:32Caleb Hammer?

  Why would you calculate gross? You don't pay your bills off of gross, so you [bleep]. Why would you calculate off of gross?

• 7:37Speaker 04

  Well, everybody tells me...

• 7:38Caleb Hammer?

  You budget off of gross? You budget off of gross? Then why, why, why, why? Why is that what you think?

• 7:42Speaker 04

  Well, anytime we ever bought anything major, you always calculate it using your gross.

• 7:46Caleb Hammer?

  You only think about what loan you can qualify for, not actually how to budget a monthly household income?

• 7:51Speaker 03

  Yeah, that's how he thinks.

• 7:52Speaker 04

  Yeah, pretty much. I always just go and look at my gross income and just calculate.

• 7:56Caleb Hammer?

  Okay, so you do not budget, I think was the answer we just learned.

• 8:00Speaker 04

  No.

• 8:00Caleb Hammer?

  Okay, maybe, maybe if we're [bleep] lucky, I guess $7,100. Well, fine for Dallas if you put that all together. $7,100 a month. Good. Yeah, kids.

• 8:13Speaker 03

  No.

• 8:14Caleb Hammer?

  Thank... And this is okay. And you guys are doing fine.

• 8:17Speaker 04

  It's pretty surprising because I can't pull out of an empty parking lot.

• 8:22Caleb Hammer?

  What?

• 8:24Speaker 04

  It's nice in there.

• 8:26Caleb Hammer?

  Wait, what the [bleep] did you just say? Did I miss that? Did I misunderstand that? I'm missing understanding. Okay, it's pretty nice because I can't pull out of an empty parking lot.

• 8:34Speaker 04

  There you go. Yeah.

• 8:36Caleb Hammer?

  Wait, am I [bleep]? Okay, I'm getting a confused face, and I'm getting a... I'm [bleep].

• 8:41Speaker 04

  Do you not have sex, Caleb?

• 8:42Caleb Hammer?

  And then confused face. Huh?

• 8:44Speaker 04

  Do you not get laid, Caleb?

• 8:45Caleb Hammer?

  What?

• 8:46Speaker 04

  Do you not get it in there, buddy?

• 8:47Speaker 03

  He doesn't pull out.

• 8:48Caleb Hammer?

  What does that have to do with his job?

• 8:49Speaker 04

  There you go. Yeah, there, yeah. Yeah, we don't pull out. You were asking if we had kids, like... It's like, no?

• 8:54Caleb Hammer?

  Okay, but I kind of moved on. It was the thing. So, I was a little confused that you went back a few sentences. That's where I was lost.

• 8:59Speaker 04

  Birth control works.

• 9:00Caleb Hammer?

  So, you said what? I can't pull out of an empty parking lot?

• 9:02Speaker 04

  Exactly.

• 9:03Speaker 03

  Yes. That is what he said.

• 9:05Caleb Hammer?

  Gotcha. I understand it with the correct context.

• 9:09Speaker 04

  I thought I was the slow one at this table. It took him a minute. It went right over his head.

• 9:13Speaker 03

  It's... You said it... Wait, like you said, two sentences after he moved on, you said it. So, you are slow. You have a goldfish brain, stop.

• 9:22Speaker 04

  I'll accept that.

• 9:22Caleb Hammer?

  Well, you guys are lovely. Nice to meet you.

• 9:25Speaker 04

  Nice to meet you too.

• 9:26Caleb Hammer?

  Shut the [bleep] up. What's going on?

• 9:28Speaker 03

  So, main reason is that he's forcing me into an open relationship, and then also the fact that...

• 9:34Caleb Hammer?

  What is this [bleep] show? What is wrong with you people? What is wrong with you people? Why the [bleep] can't any of you be normal? What is wrong with you guys? I'm okay with open. I'm not okay with forcing you to be open. And also, again, why do you look [bleep] 50, to be clear? And what every Financial Audit guest is... Well, I don't know. So, I'm gonna say it. Every Financial Audit [bleep] guest in the last three weeks has [bleep] teeth. Why is there black plaque around your [bleep] teeth? What is happening? This is every [bleep] episode I'm filming right now.

• 10:09Speaker 04

  Well...

• 10:10Caleb Hammer?

  What happened?

• 10:10Speaker 04

  Welcome to America.

• 10:11Speaker 03

  Yes, I do.

• 10:12Caleb Hammer?

  No!

• 10:16Caleb Hammer?

  Okay, so what do you mean he's forcing you to? You got a little gun up to those?

• 10:20Speaker 04

  There goes a pterodactyl screech.

• 10:21Speaker 03

  No.

• 10:22Caleb Hammer?

  Huh?

• 10:23Speaker 03

  No, he's not.

• 10:24Caleb Hammer?

  Bro responds thirty seconds delayed.

• 10:26Speaker 03

  Yes. Um, so basically it was either

• 10:31Speaker 03

  open relationship or relationships done for it because he's gonna end up not wanting to be with a, be with me.

• 10:36Caleb Hammer?

  Good, leave him.

• 10:38Speaker 03

  And it's the fact that we have a lot together and, um, I mean, I do love him and

• 10:45Caleb Hammer?

  Why? He looks like Remy from Matatui.

• 10:47Speaker 03

  I mean, he does have a Jewish nose. I get, so I understand that.

• 10:50Caleb Hammer?

  That's saying he looks like a rat, but yeah, go on.

• 10:53Speaker 03

  Um, it's.

• 10:55Caleb Hammer?

  Let me get a side profile of that thing.

• 10:58Caleb Hammer?

  Nah. It's, it, it, that's not a high net worth nose.

• 11:03Speaker 03

  Um, but no, he, um, it, it was basically just either I, either we have our, we, I have the open relationship, let him basically sleep, sleep with people, other females, or just our relationship are gonna slowly just deteriorate and then he's gonna leave me.

• 11:18Caleb Hammer?

  What do you mean? Is that what he said would happen? This relationship is gonna slowly deteriorate and then I'm gonna leave you?

• 11:22Speaker 03

  Yeah, he basically.

• 11:23Caleb Hammer?

  Who the fuck is sucking that dick?

• 11:26Speaker 04

  You would be surprised.

• 11:27Caleb Hammer?

  Clearly, obviously, yes. That's why I said, who the fuck is sucking that dick?

• 11:33Speaker 03

  Yeah, no.

• 11:33Caleb Hammer?

  How, how long have you been forced into this?

• 11:35Speaker 03

  Uh, it's been since mm, twenty twenty-three?

• 11:41Speaker 03

  Even before we got.

• 11:42Speaker 04

  We had conversations before. I was just physically bored.

• 11:44Speaker 03

  Whenever you started the conversation.

• 11:47Speaker 04

  Well.

• 11:47Speaker 03

  That's whenever you told me that I, it was because I weighed too much and that I wasn't your physical type.

• 11:52Caleb Hammer?

  Well, you're fat, yeah.

• 11:54Speaker 03

  I know. I do understand that. I know I am.

• 11:56Caleb Hammer?

  No, you're obese, like, and that is fair. And people don't really wanna obese people typically. Including, like, I'm obese. It makes it a little harder. It's still not that difficult, but like, yeah, man, trust me. Especially in Dallas. Go to South Dallas.

• 12:10Speaker 03

  Your honor,

• 12:12Speaker 03

  this is a black thing, isn't it? Yeah, we're in East Dallas, so yeah, it's not far.

• 12:15Caleb Hammer?

  You go to South Dallas and that black dick is gonna be all over you. Yeah, go on.

• 12:22Speaker 03

  Yeah.

• 12:23Speaker 04

  Physically, I'm just not attracted to her, but.

• 12:26Caleb Hammer?

  Yeah, and you look like a grandpa, so I'm surprised she is. Go on.

• 12:28Speaker 03

  Yeah, no, but he, um, so whenever.

• 12:30Speaker 04

  I feel like it too after my crash.

• 12:32Speaker 03

  Whenever we first got together, he all.

• 12:34Caleb Hammer?

  What are you talking? You're talking about things that I don't know. Why are you expecting me to understand a reference to something? Huh?

• 12:40Speaker 04

  You'll get the context as we go.

• 12:41Caleb Hammer?

  Oh, good. I'll get it. I don't have it. So thank you for referencing something that doesn't exist.

• 12:45Speaker 04

  You're very welcome.

• 12:45Caleb Hammer?

  You suck at conversations. Continue.

• 12:47Speaker 03

  Anyways, um, so whenever we first got together, he basically told me to point up. He didn't want, he wasn't gonna, he didn't wanna get married, which I was fine with. I'm like, okay. Uh, he didn't want kids. He, it, it says it's because of the way his parents ended. His parents were divorced whenever he was eight. The thing is, my parents got divorced whenever I was two.

• 13:03Caleb Hammer?

  Yeah, parents, parents get divorced, like.

• 13:05Speaker 04

  There hasn't been a single successful relationship, really marriage-wise in my family, so.

• 13:10Caleb Hammer?

  Maybe make the first one. Not with the way you're doing it, though.

• 13:14Speaker 04

  That's the goal.

• 13:15Speaker 03

  I just, I was, I was like, okay. I'll first, anyways, I wasn't even thinking about marriage at the very beginning because I'm like, I wanna first see if I can even have a relationship with you. Um, then he told me probably about when, once I moved in with him, which was, uh, in twenty, because we got together not long after we moved in together. He told me, just so you know, if I'm not sexually satisfied and I'm not happy sexually, then the relationship's gonna end up going downhill. And then whenever he brought up, we started talking about the rules. I mean, not rules, but whenever we started talking about him not being happy in twenty twenty-three and wanting open a relationship, well, not even open relationship, it's him basically sleeping with people, other females.

• 13:54Speaker 03

  He ended up telling me, well, you, he, he didn't tell me before about my weight. He just mentioned, oh, well, maybe you need to lose weight for your health and stuff. And I understood. I said, yes, but whenever you're not, whenever you're paying for bills and everything, you can't, and it's harder to get a gym membership for one. And yes, I would go walking and stuff, but it was just a lot of stuff, cuz, and so whenever he mentioned, um, finally came to me and was like, hey, I'm not sexually happy. I wanna sleep with other people.

• 14:20Caleb Hammer?

  Why? Why'd you come to her and say this? And how long are you guys dating at this point? I wanna be clear. I wanna get timeline thing here.

• 14:26Speaker 04

  We were over a year, I think, at that point.

• 14:30Speaker 03

  March twenty-three.

• 14:32Speaker 04

  We were just over a year.

• 14:33Speaker 03

  It was probably over a year and a half.

• 14:34Caleb Hammer?

  Okay.

• 14:34Speaker 04

  Yeah, it was over a year.

• 14:35Caleb Hammer?

  Why didn't you just break up with her at this point? And open is okay, but both need to be wanting to be open.

• 14:40Speaker 04

  Yeah, for sure, but.

• 14:42Caleb Hammer?

  Okay, great. So why didn't you break up with her? She didn't wanna be fucking open, dude.

• 14:45Speaker 04

  I just, I, I didn't wanna, I mean, I love her. I really care about her. I mean, we, uh.

• 14:49Caleb Hammer?

  A friend?

• 14:50Speaker 04

  No, no, no, of course not.

• 14:52Caleb Hammer?

  You're not attracted to her?

• 14:54Speaker 04

  Physically, no, but mentally, yes, and I think that matters a bit more.

• 14:59Speaker 03

  He says that I, I hit all of the boxes except for physically his type.

• 15:04Speaker 04

  Yeah, I mean, we get along. I mean, well, I can't say.

• 15:07Caleb Hammer?

  Sounds like a friend.

• 15:07Speaker 04

  Get along extremely well, but.

• 15:09Caleb Hammer?

  How often does he fuck you?

• 15:10Speaker 03

  Uh, we have probably about two, maybe three times a month.

• 15:15Caleb Hammer?

  That's impressive.

• 15:16Speaker 04

  Yeah, I would love for it to be more, but I don't like being the one always engaging stuff. It's.

• 15:21Caleb Hammer?

  What? I thought you're not attracted to her. Why are you having sex with someone you're not attracted to? I'm confused.

• 15:27Speaker 04

  I mean, she still gets it up.

• 15:31Speaker 04

  So I guess I'm attracted enough.

• 15:33Speaker 03

  But now you see why I get confused whenever he says that.

• 15:35Caleb Hammer?

  I am very confused. I'll be honest. Why aren't you attracted to her?

• 15:39Speaker 04

  It's mainly the weight.

• 15:40Caleb Hammer?

  Well, yeah, she's obese.

• 15:41Speaker 04

  Yeah, the weight's the biggest deal. I've been trying to talk to her for years at this point to try to, you know, get in.

• 15:46Speaker 03

  The gym and everything. Now I have a personal trainer.

• 15:48Caleb Hammer?

  Well.

• 15:49Speaker 05

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

• 16:14Caleb Hammer?

  Well, I mean, that's only a part of it, but how, how is it done over the past years? In terms of that weight?

• 16:21Speaker 04

  See, that's the biggest problem. Like, she really wasn't doing anything about the weight when we were talking about it.

• 16:26Caleb Hammer?

  Well, okay, but over the last few years, like, what has it been? It's like, oh, or, or, or is it?

• 16:31Speaker 04

  She's been pretty much like this ever since we met.

• 16:33Caleb Hammer?

  Okay.

• 16:33Speaker 04

  Yeah, so she hasn't gotten any bigger.

• 16:35Caleb Hammer?

  So you don't care?

• 16:37Speaker 03

  It's more so I can't.

• 16:39Caleb Hammer?

  You could be, you can go be a fat queen. You can do your life if you want to. But like, do you wanna be with someone who's like, ew, nasty, gross?

• 16:46Speaker 03

  It's, I don't, I'm not happy with my weight.

• 16:49Caleb Hammer?

  Well, no shit, you're obese.

• 16:50Speaker 03

  It's not, I don't even eat that much. I eat maybe one.

• 16:53Caleb Hammer?

  Bullshit, lie.

• 16:55Speaker 04

  She actually, she actually doesn't. I think.

• 16:56Caleb Hammer?

  Lie, stupid. You guys are all, every time I go into this, I will learn it's either in the drink, or you're not eating a lot, but it's a high calorie item. This is what every single woman does in the history. Huh?

• 17:08Speaker 04

  She doesn't even eat meat.

• 17:09Caleb Hammer?

  What? Okay.

• 17:10Speaker 04

  She doesn't.

• 17:11Caleb Hammer?

  That literally wouldn't be.

• 17:12Speaker 03

  Protein.

• 17:13Caleb Hammer?

  That wouldn't even.

• 17:14Speaker 04

  She doesn't eat anything fattening, like I.

• 17:15Caleb Hammer?

  That wouldn't be my first, like, accusation is meat for weight gain. Dude, you were so stupid.

• 17:23Speaker 04

  But I would assume.

• 17:24Caleb Hammer?

  No. Meat?

• 17:25Speaker 04

  Yeah.

• 17:25Caleb Hammer?

  That's like the top level of weight gain.

• 17:27Speaker 04

  Yeah, every time I see somebody that's really fat, I assume that they're just like at McDonald's scarfing down burgers.

• 17:32Caleb Hammer?

  After you think, when you think meat McDonald's?

• 17:35Speaker 04

  That's the first thing that comes to mind.

• 17:37Caleb Hammer?

  This guy's so stupid.

• 17:39Speaker 03

  Whenever I would try to and I'd start going to the gym and stuff, it was mostly because of money situation where I couldn't go to the gym and I couldn't keep a gym membership. And I would, I mean, I'd go walking outside of our apartment and stuff, but only walking can only do so much for you.

• 17:52Caleb Hammer?

  Well, okay, I'm gonna tell you this.

• 17:55Caleb Hammer?

  I, when the weather's nice, go on a lot of walk, especially after working on the weekends. I go crazy, okay? I enjoy that, okay? I get like a four hundred calorie walk-in or something. Doesn't matter, cuz I eat like shit. I destroy it with like an eight hundred calorie shake. So it doesn't matter. Your, your mind's broken on it. I'll be honest, it's not, activity is important, but you cannot outwork a bad diet.

• 18:19Speaker 04

  Yeah, and I can't relate to her on that way to be helpful.

• 18:22Caleb Hammer?

  I'm not talking to you. So what is?

• 18:24Speaker 04

  Well, shit.

• 18:26Caleb Hammer?

  What?

• 18:26Speaker 04

  Isn't this supposed to be a three-way conversation, Caleb?

• 18:28Speaker 03

  Right now, it's just.

• 18:29Caleb Hammer?

  If I talk to you, sure. Fine, what do you want?

• 18:34Speaker 04

  No, I was just trying to add more context to the situation as far as, so when my mom moved in with us, uh, she spent a lot of time.

• 18:42Caleb Hammer?

  Does this story get better?

• 18:44Speaker 04

  No, not really. It gets worse. It should be common sense and.

• 18:47Caleb Hammer?

  You see that thing on her wrist?

• 18:51Caleb Hammer?

  I love this show. The absolute

• 18:56Caleb Hammer?

  just witnessing what people do when I ask them a question, like, just for example, your income, that blew my mind.

• 19:02Speaker 04

  Yeah, that took a lot longer than it should.

• 19:03Caleb Hammer?

  Shut the fuck up.

• 19:04Speaker 04

  No.

• 19:07Caleb Hammer?

  You, you provide nothing. She's never opened her health app. I'm setting it up for her for the first time.

• 19:14Speaker 04

  To be fair, I use it either.

• 19:15Speaker 03

  I had an Android before this, so I, iPhone's not really my understanding.

• 19:20Caleb Hammer?

  How long have you had that?

• 19:21Speaker 03

  This, what, two months?

• 19:23Caleb Hammer?

  She's never opened her health app. So. Okay.

• 19:27Speaker 04

  I've used mine for years and never opened.

• 19:29Caleb Hammer?

  I don't care.

• 19:31Speaker 04

  Never.

• 19:32Caleb Hammer?

  What the fuck is wrong with this guy?

• 19:37Caleb Hammer?

  Okay, her daily average, what am I at? In the heat of the summer, by the way, when I'm not doing my stippy-steppy little walkies.

• 19:46Speaker 04

  The heat is trash. I can't wait till the fall.

• 19:54Speaker 04

  What?

• 19:55Caleb Hammer?

  Which by the way, when it was cool out, she was getting an average of just about uh 900 steps a day.

• 20:01Speaker 04

  So you weren't like moving around at all?

• 20:03Caleb Hammer?

  Uh, I don't think she stood up.

• 20:06Speaker 03

  I did step up. It's just the fact that I I'm anemic. So going out in the cold is not the best for me.

• 20:10Caleb Hammer?

  Cold?

• 20:10Speaker 03

  I get

• 20:11Caleb Hammer?

  No, no, no. This is April in Texas. That's not cold.

• 20:16Speaker 04

  It's like in the eighties.

• 20:17Speaker 03

  I say around seventies.

• 20:18Speaker 04

  Never really cold in Texas.

• 20:21Speaker 03

  But yeah.

• 20:22Caleb Hammer?

  Jacket. I don't know what to tell you. It's fat women will have any excuse to literally be fat. Except for just, I'm bad.

• 20:32Speaker 03

  I'm trying to work on it and that's

• 20:34Caleb Hammer?

  How are you trying to work on it? I'm sorry, but how?

• 20:36Speaker 04

  I'm glad he sees it too.

• 20:38Caleb Hammer?

  Your active calorie average all spring was 71 calories a day, active.

• 20:46Speaker 04

  And see, I've been telling her for years.

• 20:48Caleb Hammer?

  Stop. Now for what it's worth, you're up to about 200 to 250 a day. Now that's literally just like if you step outside to get the mail. Or like, you know, very basic daily errands will get you to like 350.

• 21:04Caleb Hammer?

  So this is with you putting effort in.

• 21:08Caleb Hammer?

  You're not putting an effort in. I'm able to doctor now this thing.

• 21:13Caleb Hammer?

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

• 21:57Caleb Hammer?

  No private equity, no gimmicks, just the best budgeting app there is. Download it now, start the free trial, dollarwise.com, link in the description below. Guys, you've known me since the beginning and the fact is, I just love building products that help people. And we're continuing to do that with the Caleb Hammer Financial Services. Listen, now you got personal loans that you can get the best rates on forever you want to use it for. Whether it's consolidation after you change your behavior, or you need to purchase something that gets a good return on investment. And now we got credit building as well. You can shop for the best credit builders that are either free or low cost to you and build that credit. We got debt forgiveness and debt consolidation as well. We got auto loans for your new car that are great rates. Or you can refinance your horrible auto loan today.

• 22:42Caleb Hammer?

  And not only that, now you can shop for the best car insurance out there. The thing is, we are building more and more of these to help you get the best tools and services that you can possibly get online at the best rates. So check those out at CalebHammer.com. All those links are below in the Caleb Hammer Financial Services. Check them out. Save yourself a lot of money. Now, I'm sorry, for what it's worth, we started this conversation. You're in a more position. Don't get me wrong. He's forcing you to be in an open relationship. I do not support that. That is bad. He says it's for your weight, but if you're gonna sit here and tell me, well, you don't eat that much. I can no longer trust that. Never did in the first place. Because you say you're putting in an effort. No, you're not. Like, you're just not. I have the data. You're every fat woman ever. Talk to any fat man, he will say, he's a lazy piece of shit and he eats way too much. Can you tell me?

• 23:28Speaker 03

  He's asking me a question.

• 23:29Speaker 04

  Just saying, I've been telling her that for years. I try to be nicer about it, but

• 23:34Speaker 03

  But you're not.

• 23:37Speaker 04

  It never comes out the way I want it to.

• 23:39Caleb Hammer?

  Can you tell me? Why fat women think that way? Cause I just want to know. I'm not a woman. I can't answer it. Why do fat women do that? It's every fat woman I've ever met.

• 23:50Speaker 03

  I I really don't know how to answer it. I just know that I personally, for me, I just with everything that's gone on, I just get stressed. So

• 24:02Caleb Hammer?

  That's why you lied to me?

• 24:05Speaker 03

  No.

• 24:05Caleb Hammer?

  You tell me you do activity. No. Like every fat woman in the world says she's doing more activity and she eats less and she sponges or whatever. Um, you don't.

• 24:17Caleb Hammer?

  You said that, but luckily we saw that watch, so I looked.

• 24:21Speaker 03

  Yeah.

• 24:21Caleb Hammer?

  Why do fat women do that?

• 24:23Speaker 03

  I had

• 24:24Caleb Hammer?

  Fat men do not do that. I do not do that.

• 24:27Speaker 03

  Okay. But, I mean, I I am trying to do better. It's it's

• 24:32Caleb Hammer?

  It's the fat woman.

• 24:33Speaker 03

  I know I am.

• 24:34Caleb Hammer?

  I do not understand.

• 24:35Speaker 03

  I need to fix my eating habits and I need to fix that.

• 24:37Caleb Hammer?

  You don't have to say you're trying to do better. Just say, I'm fat because I eat too much food and drink too many calories and I don't work out enough. That's it. That's all you have to say.

• 24:47Speaker 04

  Accountability.

• 24:47Caleb Hammer?

  That is what every man will ever say.

• 24:50Speaker 03

  You don't have accountability for stuff, so you

• 24:52Caleb Hammer?

  Yeah, you're a horrible individual. She's not a piece of shit. I am just trying to connect, uh, correct this mentality because America is like the second most obese country in the world. And people are dying and our health insurance is very expensive, uh, a part of it because of that. And it's really bad for our military. I did not ask you if you had health insurance. I do not know why you had to interject with that. You are seriously the worst guest in financial audit history for having a conversation. And I am not joking when I say that.

• 25:17Speaker 03

  Yeah, whenever, but anyways, with open relation, he's also cheated on me multiple times.

• 25:20Caleb Hammer?

  Yeah, he's a piece of shit. That's what I'm saying. So I have been focusing on you. But that's because I need to correct this. For this sake, this isn't a financial audit thing. It's just like, people are dying.

• 25:30Speaker 06

  I have an earring came off in the ocean and it's gone. Yeah, there's people that are dying.

• 25:36Caleb Hammer?

  And it is bad that fat women do this. And they will defend you and call me a piece of shit in the Instagram comments. And it doesn't make sense. It doesn't make them right.

• 25:42Speaker 03

  Yeah.

• 25:43Caleb Hammer?

  Just because they call you a beautiful queen, it doesn't, okay? So, uh, yeah, you're a horrible individual and you're also really bad at being a guest on financial audit. Why are you strippers? Is that in the, is he allowed to strippers?

• 25:55Speaker 03

  So originally with the way we had, um, whenever we talked, it took a couple of months for me to be okay with it. And then finally I wrote rules. I wrote a lengthy list and

• 26:05Caleb Hammer?

  I think I have the rules. Let me read them. I have the rules, ladies and gentlemen.

• 26:09Speaker 03

  The first one is gonna be the one that has multiple rules that are in different colors. That's gonna be the first, uh,

• 26:13Caleb Hammer?

  She even went with different colored crayons on this.

• 26:16Speaker 03

  Markers, yes.

• 26:17Caleb Hammer?

  No kissing.

• 26:20Caleb Hammer?

  Can't be at her home. Use condoms. The condoms can't be at her home. Very reasonable. Uh, she has to be clean. I would hope so. You mean STDs, STIs?

• 26:29Speaker 03

  Uh, yeah, they basically, they have to be tested for something. I mean, if they're going to the gynecologist.

• 26:33Caleb Hammer?

  No marks. Okay, well, that goes with that. No sexting. Okay, yeah, that makes sense. Can't leave after 9:30 PM. Okay, so so you guys spend time together. Between 9:30 PM and 7 AM, no talking because you guys are together? Okay.

• 26:46Speaker 03

  Well, no, it's

• 26:47Caleb Hammer?

  This is getting very nitty.

• 26:48Speaker 03

  It's 7:00 usually when you need to sleep.

• 26:50Caleb Hammer?

  When you get home, that's fair. That makes sense. Only talk on Snapchat or Discord. All right?

• 26:55Speaker 03

  Because that way they can

• 26:55Caleb Hammer?

  She wants them to No staying after or going to hang out.

• 27:01Speaker 03

  Basically, it's only to go sleep with them and not to spend time with them because you're not in a relationship. So you shouldn't be spending time with them afterwards.

• 27:07Caleb Hammer?

  You engage, she can't ask?

• 27:11Caleb Hammer?

  You engage, she can't ask?

• 27:13Speaker 03

  Well, she, he had, so he has to engage with her to get her, to ask her to sleep with him. She can't ask him.

• 27:19Speaker 04

  This is what was so frustrating because it was so restrictive. It felt like it was almost impossible to

• 27:24Caleb Hammer?

  No virgins. How would he even know?

• 27:26Speaker 04

  Yeah, that's be fair. That's fair. A lot of people lie about that.

• 27:29Caleb Hammer?

  Okay, either way, no talking about feelings. Well, he's having sex with women, so good luck with that. Can't be gone for long amounts of time. Very nondescriptive. Can't talk every day. Okay. Okay, I think that's your real name. Has to say, okay, each time. You want to know and get permission every time? Won't that fuck with you? Um, when we're spending time together, no talking, that definitely makes sense. Tell when and where you're going. Don't make me regret this like the last time.

• 28:01Speaker 03

  That's because that's the, I had to rewrite the list.

• 28:03Caleb Hammer?

  That is, that's weird. Some totally reasonable, some contradicting, some insane.

• 28:09Speaker 03

  It was, those rules were basically a boundary to make me feel okay.

• 28:12Caleb Hammer?

  Sure, but was there ever something to make you feel okay? You didn't want to be open. He was pressuring you into this and making you feel bad.

• 28:20Speaker 03

  It was more so because

• 28:23Speaker 03

  whenever he wasn't doing it, I was happy. But then he started wanting to do it and so I wasn't. Um, so either it was, either we stay together, let him at least sleep with other girls.

• 28:39Speaker 03

  Hope to pray God that nothing like he doesn't have kid or doesn't end up having feelings for them or whatever. And then we move on. Because he said basically, once I lose weight and everything, then he would stop. But the thing is, I don't think he would stop even if I lost weight.

• 28:55Caleb Hammer?

  Uh, okay. Yeah. What is going on? Well, okay. So I will allow it to get to you. Okay.

• 29:01Speaker 04

  Hello.

• 29:02Caleb Hammer?

  Why are you pushing for this? Something she doesn't want, something that's forcing her to do it. This is the woman that you're, you're, uh, tell me.

• 29:10Speaker 04

  Well,

• 29:12Speaker 04

  I wouldn't ever really say forced. I guess I gave her an ultimatum. That was a bit unfair.

• 29:19Caleb Hammer?

  Okay, go on. That would be forced, kind of.

• 29:21Speaker 04

  But yeah, after the whole cheating situation, um, I want.

• 29:26Caleb Hammer?

  So you cheated?

• 29:27Speaker 03

  Yeah, he cheated twice, but he didn't tell me about it till, um.

• 29:30Speaker 04

  Well, one time.

• 29:30Caleb Hammer?

  So that's when you asked for open?

• 29:32Speaker 04

  One time before the rules, one time after.

• 29:34Speaker 03

  Like last year that he cheated on me.

• 29:35Caleb Hammer?

  Before the open?

• 29:36Speaker 03

  No, no, the.

• 29:37Caleb Hammer?

  No, what, did he cheat before the open?

• 29:39Speaker 03

  Yeah, one time he cheated before, and the other one was, um.

• 29:42Caleb Hammer?

  What happened before the open?

• 29:43Speaker 04

  It was after.

• 29:44Caleb Hammer?

  What'd you do?

• 29:44Speaker 03

  He brought a girl home, he, that he met on, he talked to on. Yes, on Snapchat. He basically, they didn't have sex, but they.

• 29:52Speaker 04

  Moved in.

• 29:53Caleb Hammer?

  How'd you find her?

• 29:54Speaker 04

  I don't remember. I think it was like Snapchat recommends, yeah.

• 29:58Speaker 03

  And so he, um, he, I don't know, cause I wasn't even home. I was at work. And so he, from what he told me is that they didn't have sex, but basically she gave him a blowjob and whatever else. I don't know. Um, and so, but he.

• 30:14Caleb Hammer?

  And he did not have permission for this?

• 30:15Speaker 03

  No, this was before any, this was like not even a year, year of us living together in an apartment. And so it, I didn't know about that until he told me like last year when, and wanted to break up.

• 30:25Caleb Hammer?

  What compelled you to do this?

• 30:27Speaker 04

  Uh, just an urge. I really wanted to have a different experience. Yeah.

• 30:31Caleb Hammer?

  That's fine. Why don't you communicate?

• 30:34Speaker 04

  I have.

• 30:35Caleb Hammer?

  You communicated before that?

• 30:37Speaker 04

  Yeah, yeah.

• 30:37Caleb Hammer?

  What were you communicating?

• 30:38Speaker 04

  We've talked.

• 30:38Caleb Hammer?

  What did you do?

• 30:39Speaker 04

  I told her the experience was a little boring. I wanted her to be a bit more vocal and interactive with me and I just wasn't getting that. And then finally.

• 30:45Caleb Hammer?

  What does that mean?

• 30:46Speaker 04

  I just wanted her to be more interactive and, you know, I.

• 30:49Caleb Hammer?

  What does that mean?

• 30:50Speaker 04

  I always feel like I'm.

• 30:51Caleb Hammer?

  Copy and paste the thing.

• 30:52Speaker 04

  Okay. I always feel like I'm leading the whole experience. Like, hey, lay down, bend over, do this, do that. That's it. That's it. There's no like, oh, I want you or, you know, just reach up, grab, just do something. I always feel like I have to completely engage in the whole situation.

• 31:04Speaker 03

  He, there is not time. There's been times whenever I've worn lingerie, washed.

• 31:08Speaker 04

  I had to ask for that.

• 31:09Speaker 03

  All that. After the first time you asked, I did, I started doing that. And then you would not listen to things I wanted and you just kept doing what you wanted. So why would I ask, do what you want me to do whenever you can't even follow what I ask? And it's very simple.

• 31:21Speaker 04

  I finally just gave up. When I was talking to her, when I was interacting with her and telling her like, hey, this is what I want. And I wasn't getting it. I just finally just said, gave up. And then when somebody else gave me the attention, I was like, okay, cool. I'm just gonna feed into it.

• 31:33Caleb Hammer?

  Why didn't you break up with her if things weren't going well? And you weren't getting what you wanted?

• 31:37Speaker 04

  It was just sex and I don't believe the relationship should rely solely off of sex.

• 31:40Caleb Hammer?

  Sure, but I don't think she wants you to cheat. Do you want him to cheat?

• 31:45Speaker 03

  No, of course not.

• 31:45Caleb Hammer?

  Sounds like maybe you should just break up then.

• 31:49Speaker 04

  I mean, we're five years in.

• 31:50Caleb Hammer?

  I mean, I'll be candid. I am someone that views sex as just sex. It's sex. It's fun.

• 31:54Speaker 04

  Same.

• 31:55Caleb Hammer?

  Well, in my relationship, I viewed it in a much more loving way. And then, you know, sex is just, sex, a lot of the sex I've had in my life was literally just like

• 32:03Caleb Hammer?

  masturbation plus. Like it was like, okay, whatever. So I kind of get it, but that doesn't mean you cheat. You communicate. If you want something else, you break up. You don't pressure someone into, into something.

• 32:15Speaker 04

  Well.

• 32:15Speaker 03

  And he's lied about stuff to me too. Like he, he flirts and everything with girls online all the time. And then he gets mad whenever I get upset with it. I'm like.

• 32:22Speaker 04

  To be fair, half the time I don't know if it's flirting or not. She takes just sometimes like.

• 32:26Speaker 03

  No, you do. You know.

• 32:26Speaker 04

  Sometimes just standard interaction to her, like laughing at a chick's joke or something like that. She'll say, oh, you're cheating on me.

• 32:32Speaker 03

  It's not whenever you laugh at a joke. It's whenever you start flirting and making comments and then whenever you say stuff to them that you would never say to me.

• 32:38Speaker 04

  Sometimes it's not even comments. We'll just be having a normal conversation. She's like, well, you tell them stuff that you don't tell me or you talk to them the way you don't talk to me. And the way that I look at it, we live together. We talk to each other all the time. We see each other all the time.

• 32:49Speaker 03

  We don't talk to each other all the time though.

• 32:51Caleb Hammer?

  No?

• 32:52Speaker 03

  No.

• 32:53Speaker 04

  Not as much. Ever since my mom moved in and took over the damn apartment.

• 32:56Speaker 03

  So no, we don't. Whenever he wasn't working, he was always on his computer. Whenever he worked and he came home, then he would be on his computer.

• 33:01Speaker 04

  When we first moved into the apartment, we had our family time in the living room. You know, after work, we would come in, we would watch movies, spend time in the living room and everything else like that. When my mom got priced out of her apartment and she moved in with us, which I believed was the right thing to do at the time.

• 33:15Speaker 03

  Which I didn't agree with at first anyways.

• 33:16Speaker 04

  They didn't get along from the start, which I knew was going to be a problem, but I did talk to her about it. Um, I was hoping my mom would be in and out because she was up next on this fixed income apartment, which got screwed completely. So now she's been with us mult, a multitude of years and we can't get rid of her.

• 33:33Speaker 03

  Almost three years.

• 33:34Speaker 04

  And so she stays in the living room and because of their relationship, it's either she's in the game room with me or she goes straight into the bedroom and just kind of lays down. And that's another reason that I kind of jumped on her about the weight thing too, because we weren't active anymore. She was coming home from work, eating, going to bed. She would lay in there for hours until night.

• 33:52Speaker 05

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

• 34:17Speaker 04

  Nighttime. And then, yeah, I don't want to go in there. Yes.

• 34:19Speaker 03

  Yeah, I didn't want to go in my living room because she was there. And then she, every time you had a conversation with her.

• 34:24Speaker 04

  They do not like interacting.

• 34:25Speaker 03

  She would turn it around to be about her.

• 34:27Caleb Hammer?

  Why is she there? Get her out. What are we doing? It's destroying the relationship.

• 34:30Speaker 04

  My mom's on fixed income.

• 34:31Caleb Hammer?

  Good for her.

• 34:32Speaker 04

  And she doesn't qualify for anything. And I'm not just gonna put my mother up.

• 34:34Caleb Hammer?

  Then help her somewhere.

• 34:35Speaker 03

  She had an option to move out the very first month. She had an option to move out the very first month because the apartment she was supposed to go into that was income based, not even a month of her living with us. They told her she could, she could move into there. And it was just because of the floor it was on and that there wasn't an elevator. So she said, no.

• 34:52Speaker 04

  She's got a missing cartilage in her knee and bone deterioration.

• 34:54Speaker 03

  Yeah, but then she'll walk two miles.

• 34:56Speaker 04

  Yeah, I think she used it as an excuse to stay with us. I mean, I'm her only child.

• 35:00Caleb Hammer?

  There you go. She can live close. I'm not saying that, but it's destroying your fuck, uh, uh, remind me, you guys have been together, what, four years, five years?

• 35:08Speaker 04

  We just celebrated our fifth year.

• 35:11Caleb Hammer?

  And you guys are not married?

• 35:12Speaker 03

  No, we're not married.

• 35:14Caleb Hammer?

  At this point, is there even a proposal coming?

• 35:16Speaker 03

  He proposed, the thing is, he proposed July of 2023. So not long after the rules, he brought up the rules.

• 35:21Caleb Hammer?

  Three years ago?

• 35:23Speaker 03

  Yes.

• 35:23Speaker 04

  Yep.

• 35:24Speaker 03

  Every time I brought up.

• 35:25Caleb Hammer?

  And what, wait, I don't see a ring.

• 35:26Speaker 03

  Yeah.

• 35:27Caleb Hammer?

  Why?

• 35:27Speaker 03

  Whenever he proposed, he didn't have a job. His job didn't pay very well and I was fine with that. He said, whenever I get a better job or whenever I get more money, I'll get you a ring.

• 35:35Speaker 04

  I was working on a commission, so.

• 35:36Speaker 03

  Then he would lose a job, then he'd get another job. And every time, he gave, he gave an excuse every time about it. And then, then whenever I brought up the marriage, because I told him, my dad had mentioned, well, just go get your marriage certificate and you can do everything else later. And I was like, you know what? That's fine. I mean, I have to get my birth certificate, which that's fine. I understand that cause my mom lost it.

• 35:55Caleb Hammer?

  Whatever, get it, dude.

• 35:56Speaker 03

  And so I brought it up. Every time I'd bring it up, he's like, oh, well, we're not financially stable. Oh, well, this or that. And then most recently, not even, not even a month ago, whenever he was, we were doing stuff, uh, we ended up, we had a big fight for multiple days and then we ended up breaking up. And, cause, and he mentioned to me, he's like, I don't want to marry you. I don't want to get married at all anymore. And.

• 36:18Caleb Hammer?

  Why? Why?

• 36:19Speaker 03

  Because he's unhappy and he feels like I'm being controlling.

• 36:22Caleb Hammer?

  Why? Tell me. Your perspective. Go.

• 36:24Speaker 04

  Well, my perspective on the whole thing is like, you've read the rules. You know, she agreed to this, you know, like I, like you even said, I didn't hold a gun to her head. I just gave her an ultimatum. Like, hey, this is.

• 36:34Speaker 03

  But no, the thing is, I told you with the rules, if you didn't like them or you wanted to revise them or have a compromise with something, you needed to tell me and you told me they were fine.

• 36:42Speaker 04

  Yeah. And the whole like breakup thing was kind of like a wake up call.

• 36:45Caleb Hammer?

  So she revised them?

• 36:47Speaker 04

  She did. Knocked it down to like four.

• 36:49Speaker 03

  We made it down to four and that was after the, a big like argument and everything.

• 36:53Caleb Hammer?

  All right, let me read the revisal. So we're all here. Okay.

• 36:56Speaker 04

  This was.

• 36:57Caleb Hammer?

  Current rules, shut the fuck up. Current rules. Shower and brush teeth when you get home. Nope. No contact when we are spending time together. All very fair. Protection. Oh, okay. Yeah. Protection. No marks. Yep. That's either. Oh, no marks left. He can't get a little fun? Little.

• 37:17Speaker 03

  Like he can't have marks on him. And.

• 37:19Caleb Hammer?

  Well, it says either person, but.

• 37:21Speaker 03

  Yeah, but yeah. No, and the thing is, he can be open, but I can't, I can't do anything.

• 37:24Caleb Hammer?

  What? Wait, make that make sense. That's not open.

• 37:27Speaker 04

  I just believe it's different because.

• 37:30Caleb Hammer?

  Wait, what kind of hypocrisy is that?

• 37:33Speaker 04

  Because women are more emotional when it comes to sex. They expect the guy to offer something. I don't expect the girl to offer me anything. I mean.

• 37:41Caleb Hammer?

  So how's that?

• 37:42Speaker 04

  But we don't, as men, we don't expect the woman to really, you know, we don't have to give them anything.

• 37:47Speaker 03

  Uh, my thing is, is I've had one night stands before and I didn't allow emotions in it or anything.

• 37:51Speaker 04

  I didn't want her to get emotionally involved with somebody else. I can have sex with somebody, not get emotionally involved.

• 37:56Speaker 03

  Because of the fact I was with you, I'm not the type of person to go mess around with people whenever I'm in a relationship with someone. I've never done that. I don't like it.

• 38:04Speaker 04

  To be fair, I even offered if we can like go to swingers clubs or something, just to add some sort of excitement. I mean, I'm not saying that the relationship would have stayed that way. I just wanted to experience stuff.

• 38:13Caleb Hammer?

  Maybe you should be with someone who like, I mean, it's, okay, it's not fair that she doesn't get to be. That doesn't make any sense. That's not fair. Why are you putting up with this? When I see the one that broke up with you. And then there's, there's the final one. Obviously no one can come to our home. That makes sense. These are not crazy rules. These ones, but.

• 38:30Speaker 04

  The first ones were. And that's what I told her.

• 38:32Speaker 03

  I told him to talk to me about if he thought they were, they needed, he didn't like it or something. I told him with those first rules, he needed to talk to me.

• 38:38Speaker 04

  She would literally just give me a list of why it was like that, that the conversation never really went anywhere.

• 38:43Speaker 03

  I mean, I explained it and then he wouldn't give me a counter of how he wanted it about what we could compromise with.

• 38:48Caleb Hammer?

  And it's all because she's fat?

• 38:50Speaker 04

  It's the weight, that and the experience. I don't think.

• 38:53Caleb Hammer?

  So what is he doing? What are you doing? How frequently, how what and who?

• 38:59Speaker 04

  Wait, what do you mean?

• 39:00Speaker 03

  So he's only actually slept with someone once. He is.

• 39:02Caleb Hammer?

  You fuck suck. You're such a loser.

• 39:06Speaker 04

  I've gotten offers.

• 39:07Caleb Hammer?

  Such a pathetic little bitch.

• 39:08Speaker 04

  I just did it. Do it. I just did it. Do it.

• 39:10Caleb Hammer?

  You suck.

• 39:13Speaker 03

  No, but he, I mean, whenever the rules started, he talked to someone.

• 39:15Caleb Hammer?

  What a failure. Get with a man that can get some pussy, dude. He sucks.

• 39:20Speaker 04

  You want to tell him about how many offers that he get?

• 39:21Speaker 03

  He's had, he's talked with girls and he's gotten to an extent. And then the first few times, he still didn't want to do it because he felt bad. And then the third, the third time he did it is the one he's.

• 39:29Caleb Hammer?

  He said he was having sex with strippers.

• 39:31Speaker 03

  He did. I mean, he has from my, what I've.

• 39:33Speaker 04

  There, there, there was one recently that was willing, that was willing.

• 39:37Caleb Hammer?

  That was willing?

• 39:38Speaker 04

  Yes.

• 39:39Caleb Hammer?

  I'm glad you're not r-ing them.

• 39:42Speaker 04

  I mean, as far as like the context of the relationship, because a lot of women weren't okay with the fact that I was with somebody else. They didn't want to get involved in the kind of like situation, which

• 39:51Caleb Hammer?

  Trust me, they don't care.

• 39:52Speaker 04

  Which makes sense.

• 39:52Speaker 03

  They don't. That's why I told them.

• 39:53Caleb Hammer?

  It's a you thing.

• 39:54Speaker 03

  I've told them, I'm like, women don't care about being, people being in relationships.

• 39:57Speaker 04

  Well, I disagree with that because when I started getting on, when I started lying about it, like as far as like, I'm not with anybody, they were more willing.

• 40:03Speaker 03

  All of the time. That's why I got mad about it all the time. And then you wouldn't go, you wouldn't follow the main rules that I had.

• 40:09Speaker 04

  No, because the women that I were telling that we were in a relationship didn't want to get involved, the ones that I didn't tell were like, oh yeah, no, I'm cool with this. Let's go.

• 40:16Caleb Hammer?

  It's because you look 90, dude. So who?

• 40:19Speaker 04

  You're like the only person to tell me that. Everybody told me I look like in my early twenties, man. What the hell?

• 40:22Caleb Hammer?

  What? Yeah, you're getting reactions in the back that are not good, my friends. No.

• 40:28Speaker 04

  If I came with the facial hair, then I would get

• 40:29Caleb Hammer?

  Old.

• 40:31Speaker 04

  You look older, bud.

• 40:32Caleb Hammer?

  Than you?

• 40:33Speaker 04

  Yeah.

• 40:37Speaker 04

  To be fair, I don't even bother with this, man. That's why I just shave it. Cause I couldn't walk around like that. It's embarrassing.

• 40:42Caleb Hammer?

  That would make you look, that does make you look younger than you probably do the fact that you shaved. But that's not the point. So who was this person? How'd you find her? What happened?

• 40:50Speaker 04

  So there's a funny story on that. So we went and seen the movie Obsession.

• 40:58Caleb Hammer?

  That is funny.

• 40:58Speaker 04

  Yes, it was. Great movie, by the way. And the girl's name in there was, so I was going on Snapchat and on my recommended, there was a girl named So I just added the account, tossed a joke out there about the movie, and then we actually started to talk. I found out she used to be a stripper and I was like, oh wow, this is an opportunity here. So we started to talk her in whatever else. She ended up finding me attractive. I found her attractive.

• 41:20Speaker 03

  She said she didn't want to.

• 41:21Caleb Hammer?

  Show me.

• 41:22Speaker 04

  I told her about this.

• 41:22Caleb Hammer?

  Show me.

• 41:23Speaker 04

  Oh, we don't talk anymore.

• 41:24Caleb Hammer?

  Show me?

• 41:25Speaker 04

  I can't show you. We don't.

• 41:26Caleb Hammer?

  A picture of her? Oh.

• 41:28Speaker 03

  Must say, you have it.

• 41:30Caleb Hammer?

  You have it?

• 41:31Speaker 03

  Oh, I'm still friends with her on Instagram.

• 41:32Speaker 04

  She still follows her on Instagram.

• 41:34Speaker 03

  After the whole incident.

• 41:37Speaker 04

  Yeah.

• 41:37Speaker 03

  She wasn't mad at me about what happened. She was mad at him.

• 41:41Caleb Hammer?

  Okay.

• 41:41Speaker 04

  She was mad about the situation that happened.

• 41:44Speaker 03

  Cause you didn't even explain stuff to her. You just, you, and then you also lied to me about all of it.

• 41:48Speaker 04

  We were still on those, here you go. Cause we were still on

• 41:51Caleb Hammer?

  Okay, so what happened, my friend? I don't want to call you that. You, I do not like you. Um, I mean, would I? No, she's kind of fat.

• 42:00Speaker 04

  She had multiple, she had multiple kids.

• 42:01Speaker 03

  Every girl he's chosen is, there's, they are smaller than me.

• 42:06Caleb Hammer?

  Those tits hang down to her toes, dude.

• 42:07Speaker 03

  Well, she also has like four or five kids. Um, but no, she's like, all of the, all of the girls he's chosen is either my size or slightly, slightly smaller than me. He's never chosen girls that are like petite or anything. And I'm like, then why the fuck are you doing this? If this is why, if my physical appearance is why you don't want to be with me?

• 42:26Caleb Hammer?

  No, that's fair. If you won't fuck a fatty, why are you fatties?

• 42:31Speaker 04

  Like I said, the experience, the experience is the other side of it.

• 42:34Caleb Hammer?

  What, that role feels different?

• 42:35Speaker 03

  My thing is, why are you choosing people, why are you choosing women that have kids all the time? Like the second person he's, he ended up

• 42:41Caleb Hammer?

  I don't really care about that. As long as he's not dumping raw loads.

• 42:43Speaker 04

  No.

• 42:44Caleb Hammer?

  Clearly they're fertile, but.

• 42:45Speaker 04

  No, well, we never did anything. We never got.

• 42:47Caleb Hammer?

  So what happened?

• 42:48Speaker 04

  So we, she had the rule, uh, like her original rules.

• 42:51Speaker 03

  I had my original rules. He wasn't following them and I kept, uh, not even two months ago.

• 42:57Speaker 04

  She wanted me just to, she wanted me just to go sleep with her. And I was like, no.

• 43:01Caleb Hammer?

  So to be clear, you've gotten permission to be open for three years and you've done nothing until her?

• 43:06Speaker 04

  No. I, I've had

• 43:08Speaker 03

  He has had one person's stuff.

• 43:09Speaker 04

  I've had one person.

• 43:10Speaker 03

  And the girl followed the rules and she was my weight. He slept with her and was, ended up feeling horrible about it and everything. So he wanted to stop. He has these little intermittent intervals where like he stops doing the rules. He's very attention with me.

• 43:23Caleb Hammer?

  Rules?

• 43:23Speaker 03

  Yeah, he stops like, stops like, well, we don't do them anymore.

• 43:26Speaker 04

  Just don't even bother with it.

• 43:27Speaker 03

  And then he'll be attention with me, give me every, like his attention, get, do stuff with me and all this. But then whenever he goes, wants the rules back, he starts hyperfixating on all these other females. And I end up being pushed to the side, not cared, like I feel like I'm not cared about.

• 43:41Caleb Hammer?

  Following the rules. That's not how you do open well, buddy. Okay. So, okay. What happened with then? You decided not to or?

• 43:48Speaker 04

  Well, no, there was a situation between the three of them. So skipping the context of how we met and like the original like conversation between me and her and all that kind of stuff. We all, I went out to the bar that night.

• 44:00Speaker 03

  What she told me not to go? Cause we had planned to go together and he told me, oh, well, you're not

• 44:03Caleb Hammer?

  Who told you to go together?

• 44:04Speaker 03

  We, me and him had planned to go that day, go out to the bar. And then he told me, no, you're not going because she's going and I don't want you to cause problems.

• 44:11Speaker 04

  No, I didn't know she was going to be there that night. I didn't know she was going to be there that night. I went out with, I went out with

• 44:18Speaker 03

  That you told me, you came to me and was like, hey, I don't want you to go because she is going to be there and I don't want you to cause a problem. That is what you said. Don't try to go back on it now.

• 44:29Speaker 04

  I didn't know she was going to be there.

• 44:31Speaker 03

  Yes, you did.

• 44:31Speaker 04

  I didn't know until after I got to the bar.

• 44:33Speaker 03

  The second time whenever she went out and then that's whenever it ended.

• 44:36Speaker 04

  Oh, that's what he's asking about. The second time?

• 44:38Speaker 03

  He needs to know the main things.

• 44:39Speaker 04

  The second time I didn't know she was going to be there. The first time I did, because I didn't think it was going to be a good idea for them to interact because she was extremely jealous about it. And the other girl didn't care.

• 44:50Speaker 03

  He slept with, or was going to, and then he, me and her were talking and we were fine. I know how to be, I know decorum. I know how to not cause a problem in public. I'm not that stupid.

• 45:01Speaker 04

  She was willing to be like with both of us.

• 45:04Speaker 03

  And I'm not into girls, so no.

• 45:06Speaker 04

  Yeah. She was like, I feel more comfortable being involved with the both of you instead of just one person. So that was another

• 45:11Caleb Hammer?

  So what happened?

• 45:12Speaker 03

  He went out, he told me, I'm going to go out to the bar with my friend.

• 45:16Speaker 04

  Which was true.

• 45:16Speaker 03

  And they went out. He sends me a Snapchat of his friend talking to a girl and there was a female sitting right beside him. And I'm like, who's that? He's like, oh, this is her. I'm like, why the fuck is she there? You weren't supposed to be hanging out together. I allowed you to meet once because, so you can see if y'all connect. That's it. That's all it was supposed to be.

• 45:33Speaker 04

  And then I took a phone call. I went outside about it. They were

• 45:36Speaker 03

  Let me finish. No. He, and then he told me, I, he told me, oh, well, it's her. And I'm like, why is she even there? He's like, oh, well, we invited her. Just because his friend wanted her to come out. I'm like, so you don't let me go and everything?

• 45:50Speaker 04

  But he wanted to meet her, so.

• 45:51Speaker 03

  So then I call, I'm like, why does, I'm like, you shouldn't, your friend shouldn't even, he was there the first time she was there.

• 45:57Speaker 04

  Yeah, but he didn't get to meet her.

• 45:58Speaker 03

  He did, because he was ogling her.

• 45:59Speaker 04

  We separated. He looked at her.

• 46:01Speaker 03

  But he, so I called him. I was pissed off and I yelled at him. I'm like, she shouldn't even be there. You shouldn't be spending time with her because y'all aren't hanging out. That's not part of the rules.

• 46:12Caleb Hammer?

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• 46:54Caleb Hammer?

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• 47:36Caleb Hammer?

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• 48:06Speaker 03

  I'm like, why aren't you following the rules? I'm like, shh. I'm like, it doesn't matter why she's there. You told me you were going out to spend with your friend. But now she's there. So you're going to, you want to spend time with your whores, but not me.

• 48:18Speaker 04

  She noticed the whole interaction and then came outside.

• 48:21Speaker 03

  He, we ended up hanging up and then he told her about it all.

• 48:25Speaker 04

  Well, she asked me, she was standing right there. She came outside because uh, she was like, why are you taking so long?

• 48:29Caleb Hammer?

  You can't be open. If this is how you guys fuck do it, what the?

• 48:33Speaker 03

  I can't, if rules are followed and things are communicated, I don't care about you having sex with other girls. I'm like, yeah, I'll like, it, it'll be there, but I'm like, I've been cheated on with exes before and I've taken them back. I'm like, it's not the fact that

• 48:48Caleb Hammer?

  Girl, have some self-respect.

• 48:51Speaker 03

  I have low self-esteem. It's

• 48:52Caleb Hammer?

  Well, that's because you're fat, but like, have Self respect.

• 48:56Speaker 04

  Yeah, but anyway, she felt embarrassed about the whole situation. She's like, I don't want to be

• 49:01Speaker 05

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• 49:26Speaker 04

  In the middle of all this drama, I don't want to deal with it. So she was like, we can still talk, but we're not going to do this anymore. So I just kind of cut her off. We stopped talking.

• 49:33Caleb Hammer?

  So the one person you did have sex with though, which one person in three years is hilarious. You fuck suck at everything. What happened? Who?

• 49:40Speaker 04

  Uh, it was a girl down the street and she was a teacher. We just got involved one time and

• 49:45Caleb Hammer?

  How old?

• 49:47Speaker 04

  A little bit younger than me. I think, no, no, I think she's probably like 32. I don't even remember. It's been a while.

• 49:52Caleb Hammer?

  Okay. And you were okay with this?

• 49:54Speaker 03

  I was like, cause they follow the rules. They follow the rules to like completely.

• 49:58Caleb Hammer?

  Now, you said she cheated afterwards. Was that the cheating?

• 50:01Speaker 03

  No. What happened was last year, um, it was before his motorcycle accident and everything. He, whenever he was wanting to break up with me, he told me he cheated. That's whenever he told me he cheated on me twice. The first, he told me the first time was

• 50:12Caleb Hammer?

  The first one?

• 50:12Speaker 03

  And then the second one was a girl he was talking to, who was going to be a part of the rules. And we hadn't agreed to anything like, okay, she can be part of it. And

• 50:21Speaker 04

  She was out and about. She stopped by the house.

• 50:23Speaker 03

  She was out and he told her, you can come over to the house. And they ended up having sex in our living room. And his mom still lives with us, but he, she was at work.

• 50:30Speaker 04

  She sits on that couch every day. Huh? Oh, no.

• 50:35Speaker 03

  I don't know that part. Um, but they did it in the living room. So that's why I don't even go in my living room anymore now. Before it was his mom. Now it's this. And then, then he, and he had already added her to the discord. Yeah. Then he adds her to his discord because he has a discord server. And he's like, he talks, tells me, hey, can we talk about the rules and everything with her? I was like, okay, yeah, sure. Cause in my head, I'm like, they haven't done anything. It's fine.

• 50:57Caleb Hammer?

  When was this?

• 50:58Speaker 04

  And then my best friend got involved with her too.

• 51:00Speaker 03

  Middle, like sometime middle of last year.

• 51:02Caleb Hammer?

  Girl, it's time to leave him.

• 51:04Speaker 03

  And well, the thing is we're, when, uh, after the whole situation with the stripper.

• 51:09Caleb Hammer?

  Two months ago.

• 51:10Speaker 03

  Um, we just had escalations of problems and

• 51:14Caleb Hammer?

  What? Tell me.

• 51:15Speaker 03

  Um, so after that, then we came up with the four rules. And I was like, cause I was like, I want to make it work. And he was still pissed off at me. He was still getting mad. He tells me it was my fault that she separated. Thing is I messaged her and he didn't tell her all of the rules. He didn't explain all the, he also told her things that saying I was okay with it. Whenever he didn't even talk to me about it. So he was lying to both of us. And so it, that's pissed me off. And

• 51:42Speaker 04

  I didn't tell her all of the, the first set of rules because it was so damn petty. If I would have told her that, she would have never.

• 51:47Caleb Hammer?

  She needed to know the rules though, as long as he's following them?

• 51:50Speaker 03

  Yes, because he likes to lie and not do, not follow the rules.

• 51:53Caleb Hammer?

  I agree. He's a piece of shit, horrible person. You shouldn't be with him despite your self-esteem.

• 51:57Speaker 03

  But yeah, no, he doesn't, I, I've known from before that he, I know how he is. He doesn't like following stuff that he isn't going to benefit him.

• 52:03Caleb Hammer?

  Yet you stay.

• 52:05Speaker 03

  Yes.

• 52:06Speaker 04

  She knew the general stuff.

• 52:07Caleb Hammer?

  So it was escalating though, what?

• 52:09Speaker 03

  Cause um, so after that, we had the rules and he still was getting mad at me for it. He still was talking to other girls and flirting with them. And he was doing it whenever we're spending time together and everything. So it pissed me off.

• 52:20Caleb Hammer?

  What's wrong with you?

• 52:20Speaker 03

  So I was stressed, tired, pissed off.

• 52:23Caleb Hammer?

  Yeah.

• 52:24Speaker 03

  And then we were in Best Buy and like earlier last month and he

• 52:30Caleb Hammer?

  This is a month ago.

• 52:31Speaker 04

  Yeah.

• 52:31Speaker 03

  And he was like, he, I

• 52:33Speaker 04

  Happened to the brand new car.

• 52:34Speaker 03

  He was talking to a girl that was already in his discord and he told me, oh, I'm not attracted to her. I don't care. They messaged

• 52:40Speaker 04

  She's been in there for years.

• 52:41Speaker 03

  They send memes to each other and that's fine. I don't care. I'm like, they, they send memes and everything. Cause she's, I've talked to her. She's fine. Cause she, and she's bisexual. So she's into both. And I asked him, hey, what are y'all talking about? Cause I thought maybe it was something funny. He's like, oh, we're flirting and we're, uh, kind of messing around and

• 52:58Speaker 04

  She was wanting to mess around. She was open to it. She was making comments.

• 53:03Speaker 03

  So then he, we, it was in Best Buy in line. So I was like, I'm not going to start arguing right here. We got out into the car. I started going at, yelling at him like, what the dude? You told me you're not into her. You don't like her. And now you're trying to mess around with her and stuff. I'm like, what, what the, and then so we started arguing and said, uh, he said, we're parked right by on the passenger side, right by a curb. And instead of going straight and then turning, he decides to turn. So he, um, his tire slightly goes over the curb and then the molding for

• 53:34Speaker 04

  I got a photo of her if you want to see it.

• 53:35Caleb Hammer?

  Yes.

• 53:36Speaker 03

  The molding underneath the driver door, uh, passenger door ends up getting fucked up and stuff.

• 53:42Caleb Hammer?

  She looks like Tammy after she lost like half her weight. My

• 53:46Speaker 03

  But, um, so the molding got scratched up. It wasn't damaged, wasn't cracked, wasn't anything.

• 53:51Caleb Hammer?

  Aggressively, aggressively? You're into some ugly, let me tell you, what are you doing, dude? This is horrible. I have a unique, it's disgusting. You're good. Thank you.

• 54:01Speaker 03

  You're welcome. Um, but then, so the, uh, the rocker molding underneath the passenger door, it was just scratched up like, uh,

• 54:10Speaker 04

  You couldn't tell from the outside.

• 54:12Speaker 03

  The thing is, I work at a collision center. There was no cracks. There was no breaks. Nothing was indented. It was just like some frayed uh, plastic. But then he gets mad, gets pissed off and starts about the vehicle.

• 54:24Speaker 04

  It just wouldn't have happened if you weren't hounding me as soon as I got in the damn car.

• 54:27Speaker 03

  So then he starts getting mad and I know how he is. Every time he's wanted something, something pissed, like gets, makes him really mad. He just keeps going on and on and on about it. And he's going to keep blaming me.

• 54:36Caleb Hammer?

  I mean, I get it.

• 54:37Speaker 03

  And the thing is, he's going to blame me no matter what for it, even though some of it was his problem, which I'm on there too for that, which you hit my credit for. So I don't want to hear it.

• 54:45Caleb Hammer?

  That's

• 54:46Speaker 03

  And then, so he was getting mad. I know how he is mentally, how he's going to do it. So I just didn't want to deal with it, hear it. And the thing is I had a 401k that I wasn't using. It was from my last job. I was like, the money is just sitting there. I already knew that it was going to hit me a certain percentage if I took it out. And then whenever I do my income taxes, it's going to hit me a certain percentage. I already knew that. And the way I was going to do it was I'm going to take it out. I'm going to put half of that to the side for whenever it gets taken, it gets, um, put out. And then the other half, I'm going to use for bills and stuff. And so I had done that and I had just gotten the, um, I got in the check and everything, probably

• 55:21Speaker 04

  What'd you do that for?

• 55:22Speaker 03

  A wait, a week before, none of your business.

• 55:24Caleb Hammer?

  Shut the fuck up.

• 55:24Speaker 03

  Um, so I had gotten the check already and already deposited in my bank account. And I was going to go and take the money out and put it in a little safe. I have that way. I don't, out of sight, out of mind. So I don't use it. And, um, I already knew how he's going to be. So I was like, I am not, I was like, I'm not going to deal with this. I just told him, you know what? I said, I'll pay for it. I'm like, I can go to my, the shop I work at and get stuff cheaper. I don't have to pay as much. And so I ended up paying

• 55:51Caleb Hammer?

  This was the escalate? This was the escalate?

• 55:53Speaker 03

  Part of it, yes. And then, um, so then I paid almost 800, I paid almost $800 to fix his car. And everyone at my shop's like, what the?

• 56:02Caleb Hammer?

  Yeah, that's insane.

• 56:03Speaker 03

  They're like, it's not even damaged. You can't even see. It's cosmetic. It was a rocker molding and then, uh, an undercoat.

• 56:10Caleb Hammer?

  Has he ruined your credit? Cause you're on that car too.

• 56:13Speaker 03

  So I mean, I have student loans and stuff, but the thing is

• 56:16Caleb Hammer?

  We? Fuck you.

• 56:17Speaker 03

  But yeah, no, it, I mean, I have, I have student loans, but I've deferred those whenever I was, I was the only one working and I, so I deferred them a couple, like twice in the five years I've been with him. And I've got put on plans to make my payments lower.

• 56:31Caleb Hammer?

  Ask, okay, I have, uh, he answered his question and I'll ask you again and I'll try again, but why are you with him? Best you can, best you can. It's a hard question to answer. Best you can.

• 56:45Speaker 03

  So he's not an asshole all the time to me. There, we have good moments and everything. And like the good moments outweigh a lot of the bad. And I mean, I do love him. I care about him and it's more than just friends to me.

• 57:00Speaker 04

  To be fair, outside of the sexual shit, we really don't have that many issues. Well, other than what's setting on right there in front of you. Yeah. Finances.

• 57:08Caleb Hammer?

  Finances, uh, you cheating on her, uh, you're a horrible person to be around and discuss.

• 57:13Speaker 03

  He's horrible with money. He

• 57:14Speaker 04

  It hasn't happened outside of that time.

• 57:17Caleb Hammer?

  Why?

• 57:19Speaker 03

  Which part?

• 57:19Caleb Hammer?

  Do you want to be with him still? Why are you with him still? You started, continue.

• 57:23Speaker 03

  To me, it's, I look, cause I know deep down, like, once he gets his shit together, if he can even do it, which that's the reason why we technically, cause I've told him, I'm like, either

• 57:37Speaker 03

  we, I mean, we do this, but also to help with our finances, but also tell him like, we need to figure out if we're going to go to counseling and stuff. Cause

• 57:44Caleb Hammer?

  Can I stop really asking my, what do you hope to get from this?

• 57:47Speaker 04

  Uh, being here or just in the relationship.

• 57:50Caleb Hammer?

  Yes. What do you want from me?

• 57:53Speaker 04

  Well, really want to, from somebody from the outside looking in that has no skin in the game to tell us what the real issue is, if it's something that's worth working out. Well,

• 58:01Caleb Hammer?

  You are. She won't accept her obesity thing, but besides that, that is every fat woman in the history of ever. You're a piece of shit. You're manipulative.

• 58:08Speaker 03

  He doesn't pay anything either.

• 58:10Caleb Hammer?

  You've ruined her credit. You probably suck at finances. This will learn. You've destroyed her. You cheat on her. You force her into an open relationship. And you string her along. You've proposed, haven't given a ring. You won't do anything. You're a loser who plays video games all day. Can't even communicate with his mom and put in some boundaries. You won't do anything. You just got a job, but you can't keep a job for more than six months. You suck at everything. You are a pathetic waste of space and she should not be with you. The only reason she is, is because love is hard to break. It's also, uh, uh, she has self, low self-esteem. She's afraid of not finding someone. She's afraid of that headed into, you know, 30 or something like that. Yeah, she is. She's afraid of that. Is there a truth of, is there a better truth there?

• 58:53Speaker 04

  I don't think I'm as much of a loser as I was when we got together.

• 58:56Speaker 03

  I'm barely, I'm below average looking. I know that. I know I don't have

• 58:59Caleb Hammer?

  Dramatically currently.

• 59:00Speaker 03

  Yeah. And like, I know he's giving me gray hairs and everything. So it's just

• 59:05Caleb Hammer?

  Well, he has many more. Here's the thing. Listen, I can get you to a solid five and a half out of 10 if you lose dozens of pounds.

• 59:15Speaker 03

  Yeah. I know. I, I, my goal right now is to lose 60 to 80.

• 59:19Caleb Hammer?

  We can get to a five and a half out of 10.

• 59:23Caleb Hammer?

  On the door.

• 59:23Speaker 04

  Time's tap.

• 59:26Caleb Hammer?

  Maybe even upwards to a six. Yeah, we can get to a six. Do you have to lose a decent amount of weight? But that's okay. That's a good thing. I'm also much more handsomer when I lose weight. It happens. That's how it works. We got this, girl. We're in this together. We're fatties. Fatty power. But the thing is, you gotta do that.

• 59:46Speaker 03

  Yeah.

• 59:46Caleb Hammer?

  You do not have to be with him just because you're afraid of finding someone. Just you're gonna let him ruin your life and manipulate you and own you and control you.

• 59:53Speaker 03

  Going on where I'm paying everything.

• 59:55Caleb Hammer?

  It's gonna keep going on. He is going to want to be, he's gonna force you into this situation forever. He's never gonna follow the rules. He's gonna hide things from you. Now we got the good old zempic lifestyle, the monjano lifestyle, the

• 1:00:09Caleb Hammer?

  you afraid of needles?

• 1:00:09Speaker 03

  No.

• 1:00:10Caleb Hammer?

  Well, then you have no excuse. I'm afraid of needles. That's my excuse. You can lose like

• 1:00:15Speaker 04

  She was on weight loss medication.

• 1:00:17Caleb Hammer?

  Shut up.

• 1:00:18Speaker 03

  I was on

• 1:00:20Speaker 03

  But I was also working in stress and everything else and not I had to pay every single bill.

• 1:00:24Caleb Hammer?

  Those excuses is the thing, because those excuses will always be there. I'm telling you, free yourself from this man. Live on your own. I will create a budget for you. Go through your finances. He can go fuck himself because he is the problem by far. Clearly, except that you have a weight issue via your calories in and calories out. Work on that. Use the tools that exist like personal trainers and accountability partners and, uh, yes, those shots. Lose the weight, get to a six out of 10 and you men are so desperate and pathetic. It's kind of crazy. You will find in this current situation, you'll find a nice south, south side black man to leave you with a child. But you will still feel more loved than anything he gives you. And then if we get you to a six out of 10,

• 1:01:08Caleb Hammer?

  trust me, you'll get eight out of 10 men because that's how it works. The wholeflation's incredible. So you do not have to be with him. Do a little self-care. Get out of his grasp of insanity and loser and manipulative and lying behavior and you're good. Please, you love him. People love their parents. People love their friends. Doesn't matter. You need to sit with a good toxic relationship still. You can have a better life. And I will go through your finances and he can go fuck himself. Because you should be independent. That is my full-on recommendation. I'll be honest.

• 1:01:45Caleb Hammer?

  And we'll give you, we'll give you a, a, a girl's makeover. We'll give you a girl's day. We got you. Okay? Little bit of brushing teeth. Little bit of monjano.

• 1:01:58Caleb Hammer?

  We got this shit, okay? Okay, I got a cavity to be filled too. And I've been putting it off for a long time. It's not good. I get it.

• 1:02:05Speaker 03

  And I would, that's the thing. I would go, but if all my money is going to bills and everything, because he doesn't want to pay anything, cut and

• 1:02:11Caleb Hammer?

  He's not in the picture anymore.

• 1:02:12Speaker 03

  It's

• 1:02:13Caleb Hammer?

  He's done. He's done. He's done. He's out of here. He is an actual bad person. I've hated him from the moment I sat down. Because he's horrible to talk to. You got this. We can do this, girl. Okay, girly pop?

• 1:02:28Speaker 03

  It's

• 1:02:29Caleb Hammer?

  This is what people get for doing the annual version of the Dollar Wise budgeting app. Meal prep, meal plan, it's healthy. This is good food. I'll get you the digital version of the cookbook as well, dollarwise.com. Okay?

• 1:02:41Caleb Hammer?

  Very good. Go fuck yourself. You're a bad person.

• 1:02:46Speaker 03

  It's just harder because like all of our finances are mixed together and everything too.

• 1:02:49Caleb Hammer?

  Hey, everything's hard. Losing weight's gonna be hard. Breaking up's gonna be hard. Finding a place on your own is gonna be hard. Splitting finances is gonna be hard. For the remaining decades of your life, all of that is worth it. Okay? We do not keep manipulators around. We do not keep liars around. We do not keep people around that will not change and do not change. We don't keep losers around especially, and he's a loser.

• 1:03:12Speaker 04

  I disagree with you all day on that, Caleb.

• 1:03:14Caleb Hammer?

  What's your argument?

• 1:03:15Speaker 04

  I've done a whole lot better. Like when, when I

• 1:03:18Caleb Hammer?

  Just like her with her weight? Go on.

• 1:03:21Speaker 03

  My thing is you promised if I started going to the gym, you'd go and you'd start getting muscle because that's what I asked of you and you still only go.

• 1:03:27Speaker 04

  Yeah, I went to the gym with her too, because like outside of the whole weight thing. I was like, I want to look better for you as well.

• 1:03:32Caleb Hammer?

  Okay, I had your activity. You don't do need to get the gym.

• 1:03:34Speaker 04

  And when I wasn't working, it was literally because I was working a temp job. I was working over a year

• 1:03:39Speaker 03

  My thing is whenever you were sitting.

• 1:03:41Speaker 04

  And then I lost that. That was out of my control. And even when I was stable.

• 1:03:45Speaker 03

  You ended up quitting yourself because you got pissed off.

• 1:03:47Caleb Hammer?

  Exactly. He's a loser. He gets upset that he doesn't do responsibility and manage to go make some money. He doesn't. Don't be with him. He's pathetic. He is pathetic. What's your argument that you're not? You don't stay with jobs. You can't send him to mother. A 30-year-old man who looks 50, but at least I was thinking 60.

• 1:04:07Speaker 04

  Would you kick your mother out with nowhere to go?

• 1:04:09Caleb Hammer?

  Well, not with nowhere to go. I would have her.

• 1:04:10Speaker 04

  That's the

• 1:04:12Speaker 05

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• 1:04:37Speaker 04

  Deal. I can't.

• 1:04:38Caleb Hammer?

  Yes, you can. You make money.

• 1:04:39Speaker 03

  She's had places offered to, for her.

• 1:04:41Caleb Hammer?

  Exactly. Within a month, you said, right? The good news, you can keep her there because she's not going to be there anymore.

• 1:04:46Speaker 03

  Not even that. He, she's had family members and church people tell her before she even moved in with us, you can move in with us and, and stuff. And she just says no.

• 1:04:55Speaker 04

  They don't mean it.

• 1:04:55Caleb Hammer?

  Also, let her break up with you. You can go as many strippers as you want.

• 1:04:59Speaker 03

  And

• 1:04:59Caleb Hammer?

  And you can still text her in a friendly way and you're not forced to stick it in her. This is everything you want.

• 1:05:04Speaker 04

  Not really.

• 1:05:05Caleb Hammer?

  No, you're afraid of being lonely.

• 1:05:07Speaker 04

  No, I told you earlier, it was more than sex.

• 1:05:09Caleb Hammer?

  Yeah, you're afraid of being

• 1:05:10Speaker 04

  It was just about the sex. I would have like broke off with her, like she wouldn't have even moved in because we were together four months before she moved in the first time.

• 1:05:17Caleb Hammer?

  What is this that you owe 832 on?

• 1:05:19Speaker 03

  That is a Dora loan and

• 1:05:21Caleb Hammer?

  A what?

• 1:05:22Speaker 03

  Dora loan. It, they hit your credit once and then they don't really, they don't do anything until the very end. Once you pay it, they'll

• 1:05:27Caleb Hammer?

  Okay, well, the payment is $92. 832. What was this used for?

• 1:05:32Speaker 03

  Um, so I got that and that one went to paying for bills and I paid down some of my credit cards.

• 1:05:38Caleb Hammer?

  So it was like a, like a personal loan to pay off bills?

• 1:05:40Speaker 03

  It was, and the thing is, whenever he got his settlement, he gave me money. Yeah, because he got hit by a mo, he got hit by a police officer on his motorcycle.

• 1:05:49Caleb Hammer?

  And they couldn't finish the job?

• 1:05:50Speaker 04

  That's a no. Why couldn't it work?

• 1:05:52Speaker 03

  My thing is, is he got that settlement and he got all that money.

• 1:05:55Caleb Hammer?

  What did she get?

• 1:05:56Speaker 04

  I actually had about 35 hit my account.

• 1:05:59Caleb Hammer?

  Beautiful. Let's pay off this debt.

• 1:06:01Speaker 03

  The thing is, he, he gave, so, uh, before that, I had like three or four, four loans plus my credit card.

• 1:06:07Speaker 04

  She had over $500 a month just in payday loans. They were thousands of dollars and credit cards.

• 1:06:11Speaker 03

  Also, I have a collateral, I had a collateral loan on my car because of him, because he didn't want to pay his, his stuff off. So I pulled out that loan to pay for all of our debt and pay for, uh, rent and everything because at the time, whenever I got that, I was only getting paid 1365.

• 1:06:26Speaker 04

  During the crash.

• 1:06:26Caleb Hammer?

  Why did the settlement?

• 1:06:28Speaker 03

  So he ended up, he gave me some money to pay.

• 1:06:30Caleb Hammer?

  How much?

• 1:06:32Speaker 03

  It's like 2,000.

• 1:06:33Caleb Hammer?

  You got 2,000 of the 35,000?

• 1:06:35Speaker 03

  And so, yeah, and so he gave me that.

• 1:06:38Caleb Hammer?

  How much more?

• 1:06:39Speaker 04

  A few thousand more because I paid off all the loans. Her collateral was the only one that wasn't paid off.

• 1:06:45Speaker 03

  He paid off my two, two of my, three of my loans, which the thing is, some of them only had like two, three months left. So I'm like,

• 1:06:50Caleb Hammer?

  Which by the way, we have debt forgiveness programs and personal loans on galephammer.com, but it doesn't matter if you haven't changed your behavior. That's for people like me who can actually use debt for a good reason and are ready to change. If you don't change your behavior, your budgeting, you end up in debt again, like you guys just did. But okay, okay.

• 1:07:07Speaker 03

  He gave me that money to pay off some of my loans and only one of them was, uh, had a long more, more time to have to pay off. But the two of the other ones had like two, three months. And I'm like, why did, I didn't want him to pay those ones off because I wanted to pay them myself because and put the money towards my collateral, my collateral loan, because that was over 9,000 dollars, almost 9,000.

• 1:07:25Caleb Hammer?

  What'd you do with the rest of the money, dude?

• 1:07:27Speaker 03

  Bought his, every time he bought 20,000.

• 1:07:30Speaker 04

  $10,000 and went and bought a car. The car that I had.

• 1:07:33Caleb Hammer?

  Why couldn't you change your guys' life?

• 1:07:35Speaker 04

  I couldn't afford the insurance on the car that I had. It was broken into twice.

• 1:07:39Caleb Hammer?

  Doesn't matter, dude. With 35,000, you could have afforded it for a while.

• 1:07:44Speaker 04

  I still owed on it. So I had

• 1:07:45Caleb Hammer?

  How much? Why didn't you pay it off? Have a zero

• 1:07:47Speaker 04

  I had like

• 1:07:48Caleb Hammer?

  Dollar car.

• 1:07:48Speaker 04

  It was like 14,000.

• 1:07:50Caleb Hammer?

  Perfect. Then you would have had 15,000 left.

• 1:07:52Speaker 04

  I just couldn't afford the cover on the insurance.

• 1:07:54Caleb Hammer?

  Yes, you could have without that minimum payment. It could have helped gone towards the

• 1:07:57Speaker 04

  Would have been over 500 a month.

• 1:07:59Caleb Hammer?

  And what was the car payment?

• 1:08:00Speaker 04

  It was 470.

• 1:08:01Caleb Hammer?

  There you go. You would have had enough.

• 1:08:03Speaker 03

  Yeah.

• 1:08:04Speaker 04

  Well, now it doesn't even cost

• 1:08:05Caleb Hammer?

  Because you would have paid it off. You had 15 left. You could have paid for that. And you could have, dude.

• 1:08:10Speaker 03

  Yeah, no, because

• 1:08:11Caleb Hammer?

  Sucks.

• 1:08:12Speaker 03

  So whenever

• 1:08:12Caleb Hammer?

  Leave him.

• 1:08:14Speaker 03

  Whenever he got the, before he got the money, he was like, yeah, we'll pay off all of our debt and we'll save the money. And he's like, if there's money left over, I want to get me a new car. I'm like, if it, if we have money to where we put, put away and we pay all of our debt off, and I meant all of it, not just some of it and leave one there. And then he

• 1:08:32Speaker 04

  We were discussing months in advance what was, what the money was going to be spent.

• 1:08:35Speaker 03

  And that's my thing, because we

• 1:08:36Caleb Hammer?

  So on the gas, this is $0.

• 1:08:38Speaker 03

  He

• 1:08:38Speaker 04

  I didn't go on a damn shopping spree with it.

• 1:08:40Speaker 03

  No, the thing is, is he has right now probably about $3,000 in his bank account, but he still doesn't help pay bills.

• 1:08:46Speaker 04

  23.

• 1:08:47Caleb Hammer?

  You don't help pay bills at all?

• 1:08:49Speaker 03

  No, because so our rent is about with the extra stuff in it plus water. It's a little over

• 1:08:53Speaker 04

  15.

• 1:08:53Speaker 03

  No, it's a little, it's, it's about in 1450. Thing is, his mom gives us

• 1:08:58Caleb Hammer?

  What does he put to her?

• 1:08:59Speaker 03

  His mom gives us 420. I pay the rest of it. And we go through flex, so

• 1:09:03Caleb Hammer?

  Are you with him?

• 1:09:04Speaker 03

  We put, and I, I've been doing this since his mom moved in.

• 1:09:06Caleb Hammer?

  Girl, another reason, do not stay.

• 1:09:09Speaker 03

  Well, the thing is

• 1:09:10Caleb Hammer?

  Leave.

• 1:09:12Speaker 03

  Whenever he got the job he has now, I told him, whenever, I'm like, you need, starting July, I told him, you need to pay electric, internet, and then the phone bills.

• 1:09:20Caleb Hammer?

  Two months ago.

• 1:09:21Speaker 03

  And he, the thing is, he didn't. He pay, hoped to pay a little bit towards the electric bill. I mean, he paid the phone bill and then he put a tiny bit towards, which at the time, the, uh, phone bill was only about $85.

• 1:09:31Caleb Hammer?

  Why are you such a loser?

• 1:09:32Speaker 04

  We're trying to get ahead on the cars.

• 1:09:34Caleb Hammer?

  Why are you, the car that you chose to, why are you such a loser, dude?

• 1:09:39Speaker 04

  I disagree, man. I'm not a loser.

• 1:09:42Caleb Hammer?

  You're a loser. You loser head, I hate you.

• 1:09:45Speaker 04

  I stick to it.

• 1:09:46Caleb Hammer?

  You have nothing to show. Nothing to show that you're not.

• 1:09:49Speaker 04

  Got a way better job and we have stabilized out to some extent.

• 1:09:51Caleb Hammer?

  Yeah, that you might be for another three months.

• 1:09:53Speaker 04

  No, I'm sticking with these people.

• 1:09:55Caleb Hammer?

  Yeah, good luck. Two hundred fifty one dollars fifty nine cents on your Capital One, but you are spending on it while interest is accruing with the twenty five dollar minimum monthly payment, close to maxed out. You're getting Sonic driving and again fatty to fatty. I know there ain't one thing there that ain't a fatty food.

• 1:10:08Speaker 03

  Yes, and I.

• 1:10:09Caleb Hammer?

  Girl, that's a fatty food. What you getting for eight forty two? And I love, you know what I get? I get the Big Glaze. I get the, the, the, the, the incredible fries and the tater tots and a Sonic Blast.

• 1:10:21Speaker 03

  So I usually get.

• 1:10:21Caleb Hammer?

  Fatty!

• 1:10:22Speaker 03

  I usually get like the cheese tots and then I get a large drink, which that's the thing is I.

• 1:10:27Caleb Hammer?

  She definitely doesn't consume.

• 1:10:29Speaker 03

  But no, that's usually.

• 1:10:30Caleb Hammer?

  She doesn't eat much.

• 1:10:31Speaker 03

  Usually I only eat that one meal and then.

• 1:10:33Speaker 04

  Love that cheese.

• 1:10:33Caleb Hammer?

  Do you know how many calories that is?

• 1:10:35Speaker 03

  Yes, I know. It is a lot more.

• 1:10:36Caleb Hammer?

  You know, it doesn't matter how many meals if the calories are. Fat women. Only fat women. Men, fat men don't do that. They, they eat that and they don't say, but I only had one meal.

• 1:10:50Speaker 03

  So like the Sonic ones, that's gonna end up being whenever I'm at work and I go on my lunch and I only have an hour. And.

• 1:10:56Caleb Hammer?

  Only an hour?

• 1:10:57Speaker 04

  Half the time she doesn't even get that. She don't take a lunch.

• 1:10:59Caleb Hammer?

  Do you know how much celebrations we would have here on the content side of this operation if we had an hour to eat lunch every day?

• 1:11:05Speaker 03

  I don't always eat lunches. I usually end up staying at work.

• 1:11:09Caleb Hammer?

  Okay, that sounds like the normal person.

• 1:11:11Speaker 03

  Well, I, cause our shifts are over ten hours.

• 1:11:14Speaker 04

  I've never had a job where I didn't get a lunch.

• 1:11:15Speaker 03

  So we're seven thirty to five thirty.

• 1:11:16Caleb Hammer?

  You never have jobs.

• 1:11:17Speaker 03

  Yeah, cause I work Monday through Friday, seven thirty to five thirty. So I usually stay.

• 1:11:21Caleb Hammer?

  Oh, look, it's his Capital One. I don't give a you piece of shit.

• 1:11:26Speaker 03

  Which his stuff's now pay, he paid his stuff off because now he has money to do it and then doesn't help with our stuff.

• 1:11:31Caleb Hammer?

  Okay, well, you have a credit one. That's not good. I wouldn't be going to Sonic if we have a credit one.

• 1:11:35Speaker 03

  That was the first ever card, uh, credit card I ever got.

• 1:11:38Caleb Hammer?

  Congratulations. Maybe don't keep it. At the limit.

• 1:11:42Speaker 03

  Yeah.

• 1:11:43Caleb Hammer?

  Uh, five hundred fifty six thousand and forty five cents.

• 1:11:46Speaker 04

  Yours is back up at the limit?

• 1:11:47Caleb Hammer?

  Basically, thirty dollar minimum payment.

• 1:11:49Speaker 03

  Considering that.

• 1:11:50Caleb Hammer?

  You don't need to worry about it. She's not gonna be there.

• 1:11:53Speaker 03

  Let's say I have to use, what do you think? How do you think I'm getting groceries and everything since you don't wanna go to the grocery store?

• 1:11:57Caleb Hammer?

  You're getting Crunchyroll.

• 1:11:58Speaker 03

  Well, yeah, that, well, no, cause that is the, so a lot of my subscriptions are on, on the cards, which I have three.

• 1:12:03Caleb Hammer?

  On the cards that can't pay off that are accruing fees and interest? That's stupid. You have another credit one, again, basically at the limit of five thirty, one sixty three, minimum thirty.

• 1:12:13Speaker 03

  Yes.

• 1:12:13Caleb Hammer?

  Um.

• 1:12:14Speaker 04

  I literally never asked you.

• 1:12:14Caleb Hammer?

  That was more money to outback than it was Walmart.

• 1:12:19Speaker 04

  Oh, boy.

• 1:12:21Caleb Hammer?

  So.

• 1:12:22Speaker 03

  So anytime he wants.

• 1:12:22Caleb Hammer?

  She doesn't eat very much.

• 1:12:24Speaker 03

  So whenever we started going out to eat, he want, it's whenever he wanted to go out and it's the only time usually we have to spend together. So I go and the thing is.

• 1:12:31Caleb Hammer?

  Don't spend time with him.

• 1:12:32Speaker 03

  Well, the thing is, he also, so he wants us to split the bill, even though my food is usually way less than his. So I, we end up splitting the bill.

• 1:12:38Caleb Hammer?

  But you won't provide to the utilities or rent?

• 1:12:41Speaker 04

  I mean, I am now.

• 1:12:42Speaker 03

  No, you're not.

• 1:12:43Caleb Hammer?

  No, you're not. Not in a substantial.

• 1:12:45Speaker 03

  This month was the only time you ever, I'm, I, the thing is whenever, last month, whenever the phone bill came out, I told you, hey, the phone bill's coming out on the eighth. That way you could pay it and then it came out of my account and I, and I told you and you're nothing, didn't care. And every time I have to pay the electric bill, which is almost three hundred dollars and then I have to pay the internet.

• 1:13:02Speaker 04

  You're not talking about the most recent one. This was last month, right? Cause the recent one that I paid.

• 1:13:06Speaker 03

  That was.

• 1:13:07Speaker 04

  Then it was last month.

• 1:13:09Speaker 03

  And what I'm saying is those three bills, you still don't pay all of them. I have to pay them. The phone bills I've been paying. Except for the one back in July. That's the one you paid. But it was eighty five dollars. What? Now it's a hundred and thirty three because you wanna get a whole new phone every time.

• 1:13:23Speaker 04

  That is fair. I tried that new full date and it was horrible and then.

• 1:13:27Speaker 03

  I told him not to get it.

• 1:13:27Speaker 04

  That was two hundred dollars out the door because I couldn't return it. I had to upgrade back to what I had.

• 1:13:31Caleb Hammer?

  Okay, you have a Destiny card.

• 1:13:33Speaker 03

  Yes.

• 1:13:34Caleb Hammer?

  Seriously, they ain't even the women. He fucks, but Best Buy, Sea Life and Hobby Lobby, no groceries. Sea Life?

• 1:13:41Speaker 03

  I see what it is.

• 1:13:41Speaker 04

  What is that?

• 1:13:43Speaker 03

  Can I, can I see what the?

• 1:13:45Caleb Hammer?

  I assume it's the tank we keep her in.

• 1:13:47Speaker 03

  No.

• 1:13:50Speaker 04

  Seal life?

• 1:13:51Speaker 03

  Oh, no, cause um, so we went to Grapevine and there is an aquarium. We went to the aquarium.

• 1:13:57Caleb Hammer?

  Was he visiting you?

• 1:13:59Speaker 03

  We both went, so. No.

• 1:14:02Caleb Hammer?

  I apologize. I'm on your side, queen. I'm on your side, queen, but fat jokes, I, I need them. I need them to survive.

• 1:14:08Speaker 03

  I am used to fat jokes. I had that all the way in high school. So it's fine. Even though I was in high school, I wasn't fat. I was like a hundred and thirty pounds, mostly muscle, so.

• 1:14:15Speaker 04

  Still trying to get her to sit all the way down on my face. Still trying it.

• 1:14:19Caleb Hammer?

  What did you just say?

• 1:14:20Speaker 04

  Said I'm still trying to get her to sit all the way down on my face. She won't do it. She says she's scared of crushing me. I'm like, I'm not that damn small.

• 1:14:27Caleb Hammer?

  But she is that damn big.

• 1:14:30Speaker 03

  Thank you.

• 1:14:31Caleb Hammer?

  How tall are you?

• 1:14:31Speaker 04

  I'm five seven.

• 1:14:32Speaker 03

  No, you're not. You're like five.

• 1:14:35Speaker 04

  I am not shorter than five seven.

• 1:14:36Speaker 03

  No, you're an inch or two taller than me. I'm five six.

• 1:14:39Caleb Hammer?

  And I'm like, stand up.

• 1:14:41Speaker 04

  Me? Okay.

• 1:14:42Caleb Hammer?

  Yes.

• 1:14:43Speaker 04

  Tight space.

• 1:14:43Caleb Hammer?

  Ika? Can you stand next to this man? Take off your shoes.

• 1:14:47Speaker 04

  Take off my shoes?

• 1:14:48Caleb Hammer?

  Take off your shoes. Ew, he's like hairy and weird. What a weird build. Who's having sex?

• 1:14:54Speaker 03

  Now, now you understand why I told him he needs to put on muscle because then he'd look a little bit better.

• 1:14:58Caleb Hammer?

  He is, he looks so gay.

• 1:15:01Speaker 04

  Hey, I like these shorts.

• 1:15:03Caleb Hammer?

  Dude, you look so gay. You are a theater gay from twenty twelve. Oh, shit.

• 1:15:10Speaker 04

  He's taller than me.

• 1:15:10Caleb Hammer?

  Yeah, no, you're five seven.

• 1:15:12Speaker 04

  Yeah.

• 1:15:14Caleb Hammer?

  Yeah, you're five seven.

• 1:15:14Speaker 04

  That's stupid, Caleb. I know my height.

• 1:15:16Caleb Hammer?

  No, you're five seven. Yeah, you're short.

• 1:15:19Speaker 03

  Then he lies about his height all the time. Okay.

• 1:15:21Caleb Hammer?

  You're short. You look very.

• 1:15:24Speaker 03

  He's a beanpole.

• 1:15:25Caleb Hammer?

  Homo. And, and then you're, you look like that. I do not know how you get laid. But I guess I have seen actually the, uh, pictures of the women that.

• 1:15:38Caleb Hammer?

  Go for you.

• 1:15:40Caleb Hammer?

  So it kinda makes sense. Fortiva.

• 1:15:43Speaker 03

  That one I just recently got, so.

• 1:15:45Caleb Hammer?

  Well, it's probably not a good thing to do when you can't pay it for credit cards. You know, two thirty five oh six.

• 1:15:51Speaker 03

  Which plan was not to touch it.

• 1:15:52Caleb Hammer?

  Twenty five dollars. Well, not touching it, you touched it. Cause you went to the brass tap. Da boys!

• 1:15:58Speaker 03

  Yes. Whenever he wanted to go out to the bar.

• 1:16:01Caleb Hammer?

  Those are the people who are gonna have to be dating after him is the boys.

• 1:16:03Speaker 04

  That's the bar.

• 1:16:04Speaker 03

  So whenever he wanted to go out to the bar, so basically what happens is whenever he wants to go out, my, I usually, I have some money on my debit card, but not a lot. So I end up using my credit cards. And it's, the thing is, every time he wants to go out and sometimes I tell him, I don't really feel it. I think we should just stay home and he want, but he doesn't listen. And most times whenever he wants to go out to the bar, it's to spend time with his friend who's an alcoholic.

• 1:16:27Speaker 04

  I don't spend as much time with him, but yeah, he drinks a ton. I took a break for a few weeks because it was a little too much.

• 1:16:31Speaker 03

  Well, that's because we had a big problem. We were fighting and everything. We wanted to separate.

• 1:16:36Speaker 04

  I was bored.

• 1:16:37Speaker 03

  And then you wanted to do what you do every time, which is give attention, give attention. That's why, that way you can go back to your habits.

• 1:16:43Speaker 04

  I just had to take a break from the bars. I didn't wanna become what he's doing. I don't drink like that.

• 1:16:49Speaker 03

  Even though I've had to go up there and take you home because you threw up in their sink.

• 1:16:52Speaker 04

  Okay, three shots. And I didn't expect to get that drunk. I never drank to literally get drunk, ever.

• 1:16:59Caleb Hammer?

  I'm just gonna give you a little bit of insight. I just, I need you to do well, girl.

• 1:17:05Speaker 04

  It's about to get serious. You removed the glasses.

• 1:17:06Caleb Hammer?

  Jess? Yes, it is real. This is important. Just because the likely men you will end up with come from the homeland of Africa originally.

• 1:17:19Caleb Hammer?

  Doesn't mean right now you need to stay with a man that looks like AIDS has developed for three years.

• 1:17:27Speaker 04

  Damn.

• 1:17:28Caleb Hammer?

  Okay?

• 1:17:30Speaker 03

  I mean, hi, his friend.

• 1:17:31Caleb Hammer?

  Sounds like you can't escape the disease no matter where you go, but.

• 1:17:34Speaker 04

  You should tell him about your other boyfriend that you had.

• 1:17:36Speaker 03

  Yes, the boyfriend I had before you. He was in a biker club, but also he never hit me. He also, I mean, yeah, he was a deadbeat and I paid for stuff. He at least admitted it.

• 1:17:43Caleb Hammer?

  Stop being a deadbeat.

• 1:17:44Speaker 03

  But my thing is his friend, his best friend, who is African American, also told me multiple times, hey, you need to break up with him. You need to get rid of him.

• 1:17:51Caleb Hammer?

  Oh, he told, his best friend told you?

• 1:17:53Speaker 03

  Yeah.

• 1:17:53Caleb Hammer?

  Yeah, his best friend's right.

• 1:17:55Speaker 03

  Well, and also.

• 1:17:55Caleb Hammer?

  And it's cause he's wants, he wants him that fucker.

• 1:17:57Speaker 04

  He wanted in her pants.

• 1:17:58Speaker 03

  Yes, because he, so he, he called, well, he also, he told me I am a tran, he, so he, his best friend, I, at the time, we thought he was joking, but now that after some stuff has come out, we found out he probably wasn't.

• 1:18:11Caleb Hammer?

  But it's okay that he wants to.

• 1:18:12Speaker 03

  No, he called me a transitional bitch.

• 1:18:14Speaker 04

  I did.

• 1:18:15Caleb Hammer?

  Huh?

• 1:18:15Speaker 03

  A transitional bitch, so transitioning from a black to a white girl.

• 1:18:18Speaker 04

  He said that right in front of me, by the way. No chill. He didn't.

• 1:18:21Caleb Hammer?

  I don't care what happens to you.

• 1:18:21Speaker 03

  But the thing is, he didn't care.

• 1:18:24Speaker 05

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

• 1:18:48Speaker 03

  He is, but whenever his friend was talking to me, um, and everything, cause the one time I did go with him to a strip club.

• 1:18:55Caleb Hammer?

  You're not ghetto at all. I'm so confused.

• 1:18:57Speaker 03

  Um.

• 1:18:57Speaker 04

  He wasn't ghetto.

• 1:18:58Speaker 03

  It's because of.

• 1:18:59Caleb Hammer?

  So, how was she transitioning from black to white?

• 1:19:01Speaker 03

  It's because of how I physically look because I've played softball and stuff. So I do have some, it's because of the way I look.

• 1:19:06Caleb Hammer?

  Cause you're fat?

• 1:19:07Speaker 03

  It's because.

• 1:19:08Caleb Hammer?

  White people can be fat too.

• 1:19:08Speaker 04

  Talking about her ass.

• 1:19:09Speaker 03

  I play softball, so my butt is more, it's not.

• 1:19:12Speaker 04

  She got the softball ass.

• 1:19:13Speaker 03

  I do have somewhat of a butt.

• 1:19:15Caleb Hammer?

  I have butt, I'm a white.

• 1:19:17Speaker 03

  But that's what they, that's his, his reasoning for calling me that.

• 1:19:20Speaker 04

  You have a plump?

• 1:19:21Speaker 03

  But, um.

• 1:19:22Caleb Hammer?

  More than you, you got nothing.

• 1:19:23Speaker 04

  Yeah, I don't got an ass.

• 1:19:24Speaker 03

  He never gets jealous at anything about anyone talking to me, anyone like flirting with me, which I don't flirt back.

• 1:19:29Caleb Hammer?

  Well, that's fine. I don't really care. He's just, he's a loser. Don't be with him.

• 1:19:31Speaker 03

  But then, whenever.

• 1:19:33Caleb Hammer?

  Your pupils are crazy. How many drugs are you on? Six hundred sixty-nine dollars and ninety-four cents on your Indigo card.

• 1:19:39Speaker 03

  Yes.

• 1:19:40Caleb Hammer?

  Well, you're purchasing, interest is accruing. You purchased more than you put towards it. Your minimum was forty. You owe six sixty-nine, four ninety-four. And again, it's Amazon Kindle. So it's all bullshit. There hasn't been anything good yet. It's at a thirty-six percent interest rate.

• 1:19:54Speaker 03

  So that's what I put it on.

• 1:19:55Caleb Hammer?

  What do you read?

• 1:19:56Speaker 04

  Pretty much all those credit cards are that high.

• 1:19:58Caleb Hammer?

  What do you read?

• 1:19:59Speaker 03

  Um.

• 1:20:01Caleb Hammer?

  Uh huh. Exactly. All you women do the same thing.

• 1:20:05Speaker 03

  Yes.

• 1:20:05Caleb Hammer?

  Stop and just go experience that in the real world without him. You'll find some fun men.

• 1:20:12Speaker 03

  No, I do read on it.

• 1:20:13Speaker 04

  Why can't you tell him what you read?

• 1:20:14Speaker 03

  He knows what I read.

• 1:20:16Caleb Hammer?

  What she reads.

• 1:20:17Speaker 03

  It's the same with every female.

• 1:20:19Speaker 04

  The book talk crap, yeah.

• 1:20:21Caleb Hammer?

  Okay, milestone. What you got going on here, girl?

• 1:20:24Speaker 03

  Um, that one's gonna have our AMC, which is whenever we go through to the movies, which we go.

• 1:20:28Caleb Hammer?

  Dude, first of all, it's Sonic again.

• 1:20:31Speaker 03

  Yes.

• 1:20:31Caleb Hammer?

  It's Lego, Outback, and then AMC.

• 1:20:36Speaker 04

  Yeah, Lego was a new.

• 1:20:37Caleb Hammer?

  Everything's been bullshit so far.

• 1:20:38Speaker 04

  Yeah, the Lego thing was a new hobby. Trying to spend a little bit more time together, just doing something like that.

• 1:20:43Caleb Hammer?

  Spend less time together, as in leave him. Forty dollars is your minimum. Obviously, that's the conclusion of this episode. Four hundred fifty-three dollars and one cent is your payment. You got late fees, insane interest rate. You don't care about his asshole, then. I don't give a shit about him. Hey, why the do you have a fifty-one thousand hour car?

• 1:21:02Speaker 04

  Sixty-five hundred dollars, that is mine.

• 1:21:04Speaker 03

  So the reason I have a car is he had his twenty twenty-five Mustang.

• 1:21:08Caleb Hammer?

  Is it in your name or his too?

• 1:21:09Speaker 04

  Both.

• 1:21:10Caleb Hammer?

  Okay, well, I'll put it on you then.

• 1:21:11Speaker 03

  So, um, what happened was he had his twenty-five, twenty twenty-five Mustang, then his job was talking about that he might have to start carrying stuff. But then he goes to a Mazda.

• 1:21:22Speaker 04

  That was after the Mazda, cause I went.

• 1:21:24Caleb Hammer?

  I have to ask, cause I noticed something, just like, cause I don't really care about this story. You said that the biker doesn't hit you.

• 1:21:30Speaker 03

  Yeah, cause most people think that people are on.

• 1:21:32Caleb Hammer?

  But you weren't saying that, cause he hits you.

• 1:21:33Speaker 03

  No, I was saying that because most people.

• 1:21:35Caleb Hammer?

  I was gonna say, if you were getting hit by this guy, I'd say that's actually kinda pathetic for you.

• 1:21:39Speaker 03

  No, I can pick him up and throw him if I wanted to.

• 1:21:41Caleb Hammer?

  Exactly. He's nothing.

• 1:21:42Speaker 04

  She can, I'm sorry. I'm a hundred and thirty-five pounds.

• 1:21:44Speaker 03

  So, no, the way I said that was cause a lot of people think that people are, um, no, he's a beanpole. Um, but, um, he, cause a lot of people.

• 1:21:51Caleb Hammer?

  You're tag teaming me right now?

• 1:21:52Speaker 03

  Yes.

• 1:21:52Caleb Hammer?

  Yes, you suck.

• 1:21:53Speaker 03

  Most people say because bike, people in bike clubs.

• 1:21:55Speaker 04

  At least make it feel a little shit.

• 1:21:57Speaker 03

  That's why I said that.

• 1:21:58Caleb Hammer?

  Fifty thousand nine hundred ninety-nine dollars or, uh, forty-four dollars, sorry.

• 1:22:02Speaker 03

  We went through like three cars before that.

• 1:22:03Caleb Hammer?

  Eighteen dollars and eighty cents a month. Who's responsible for paying?

• 1:22:06Speaker 03

  Um, so I'm responsible for paying that, but it was his fault. We had that vehicle.

• 1:22:09Caleb Hammer?

  You passed you two hundred.

• 1:22:10Speaker 04

  She shouldn't be passed to. There's nothing owed on that.

• 1:22:12Caleb Hammer?

  Wait, what's your normal monthly payment?

• 1:22:14Speaker 03

  So I haven't, so we have, so we have a, um, so the reason, they give us three months not have to pay and then I'm trying to pay it out.

• 1:22:22Caleb Hammer?

  Fine. Who's responsible for paying? Okay, then I'm putting it on you, cause I don't care about him. It's worth thirty-three thousand, you owe fifty thousand.

• 1:22:29Speaker 04

  Well, sixty-five hundred dollars of that.

• 1:22:31Caleb Hammer?

  I don't care about anything you have to say.

• 1:22:33Speaker 04

  Well, it's on her note.

• 1:22:34Speaker 03

  On that one.

• 1:22:35Caleb Hammer?

  Your name's on this one, but he's responsible for paying?

• 1:22:37Speaker 04

  Yes, that's, she cosigns for both vehicles.

• 1:22:40Speaker 03

  We've ever had, like, he's ever gone through, except for his very first one, which his dad was a cosigner, but they don't do cosigners, just co-buyers now. I've, I'm the one who's a co-buyer on all of his vehicles every time he's gone to a vehicle.

• 1:22:50Caleb Hammer?

  Minimum here?

• 1:22:50Speaker 04

  Uh, eight thirty-nine a month.

• 1:22:52Caleb Hammer?

  Americans and their insane car. Well, I hope he pays for it.

• 1:22:55Speaker 03

  Yeah, we've gone through like three cars in the past four months.

• 1:22:58Caleb Hammer?

  Over to your head. Is that the Harley Davidson?

• 1:23:01Speaker 04

  Uh, yes.

• 1:23:02Speaker 03

  And that my name's on that.

• 1:23:02Caleb Hammer?

  No, is that one the one or is this a new one?

• 1:23:04Speaker 03

  No, this one's the, the EECU.

• 1:23:06Caleb Hammer?

  Who pays for the Harley Davidson?

• 1:23:07Speaker 04

  Me, trying to sell it, not having any.

• 1:23:09Caleb Hammer?

  Yeah, you need to sell all the cars or get her off, cause she needs to leave you. You can't leverage this, and I know you will, cause you're a piece of shit.

• 1:23:17Speaker 04

  You wanna tell him I didn't?

• 1:23:18Caleb Hammer?

  Shut the fuck up, twenty-three thousand.

• 1:23:19Speaker 04

  Over the first time?

• 1:23:21Caleb Hammer?

  Twenty-three thousand two hundred sixty-one dollars. What's the minimum payment? Five fifty-eight. He pays it, right?

• 1:23:26Speaker 03

  Yes, he's paying it. And all of these I've agreed to. Um, it's just the fact, because I know how he is, he kind of has a center mind on everything.

• 1:23:34Caleb Hammer?

  I wouldn't rely on him. He needs to get it out, cause he will leverage that and he will abuse it, told to keep you there. Because this dude is a manipulative, disgusting creature.

• 1:23:43Speaker 03

  And.

• 1:23:44Caleb Hammer?

  What's your student loans total?

• 1:23:46Speaker 03

  Uh, last time I checked, my student loans were at about twenty-eight to thirty thousand and I have.

• 1:23:52Caleb Hammer?

  Thirty. What's your minimum?

• 1:23:54Speaker 03

  Um, so now they've made it to where my payments is a hundred and seventy-nine, cause it rounded, I rounded it up, it's a hundred and seventy-eight, but it's a hundred and seventy-nine, cause it's rounding up. Yeah, the collection that I had, it was.

• 1:24:05Speaker 04

  They fell off.

• 1:24:06Caleb Hammer?

  Go fuck yourself.

• 1:24:07Speaker 03

  So the collection for the AT&T, that one is because of.

• 1:24:11Caleb Hammer?

  You spend a lot of money, and I hope you spend even more money and fuck up your entire life and end up homeless.

• 1:24:16Speaker 03

  So, yeah, the collection is because we, they were AT&T phones and I couldn't pay the three hundred and something dollars, so we ended up switching.

• 1:24:22Caleb Hammer?

  I don't care.

• 1:24:23Speaker 03

  So.

• 1:24:24Caleb Hammer?

  I appreciate it, but I, I really don't give a shit. You spent a lot of money going out to eat. Good. Do it more and fuck up your entire life. Cause pretty much you, you fucked up her entire life and you shouldn't. You have two things you're able to leverage over her head and it's disgusting.

• 1:24:37Speaker 04

  I would never leverage that stuff over her.

• 1:24:38Caleb Hammer?

  Uh huh, we'll see how it does.

• 1:24:40Speaker 04

  I didn't leverage that two weeks ago when we were gonna separate.

• 1:24:42Caleb Hammer?

  Guess what? You are gonna separate now and it's real.

• 1:24:45Speaker 04

  She, he did?

• 1:24:46Speaker 03

  Yeah, he told me, he told me that, um, cause we had a great, cause we went through three days of him wanting to separate and stay together and then go back and forth. And then on the third day, he told, we agreed to separate and I had called my mom and told her, hey, at the end of August, I'm gonna, I want to move back. Cause that's all I can do, cause I can't live on my own, cause I can't afford it.

• 1:25:06Caleb Hammer?

  Yes, you can, but go on, go on. We'll figure it out. I'll do it for you, but go on.

• 1:25:11Speaker 03

  So then he told me, whenever he was talking to me about trying to stay together, he told me, well, we financially have to stay together. We need to stay together and try to work it out because of the cars and everything.

• 1:25:22Caleb Hammer?

  So you are manipulating and using it over her head. You!

• 1:25:25Speaker 04

  So many financial ties and it was probably worth working things out.

• 1:25:29Caleb Hammer?

  Put it only under you.

• 1:25:30Speaker 03

  And then he.

• 1:25:31Caleb Hammer?

  Yes, yes, yes.

• 1:25:33Speaker 04

  To do it.

• 1:25:34Caleb Hammer?

  Do it, do it. Try to do it now. Go, dude, we got, we got car loans on Calebhammer.com. Go there.

• 1:25:40Speaker 04

  I didn't know that.

• 1:25:40Speaker 03

  And then we had, cause because we were try, basically gonna separate and everything, we talked with his mom, cause I was gonna tell him, hey, at the end of the month, after that, y'all need to figure out the payments for paying everything.

• 1:25:51Caleb Hammer?

  Why is it we're gonna separate? Why'd you decide not to in the end?

• 1:25:55Speaker 03

  So right now, we're try, it's because I've, to me, I feel like he can do better. It's just he doesn't want to.

• 1:26:03Caleb Hammer?

  Actually, he can. He can. He won't.

• 1:26:06Speaker 03

  And I've, I mean, I've, I've, I've tried making him understand finances, cause before I moved in with him, I had one loan. And it was just, I'd do it small amounts here and there, just to raise my credit and I'd pay him on time, all the time and pay it off. And then whenever I moved in with him, I had to get loans to pay bills and stuff.

• 1:26:25Caleb Hammer?

  That's not the, I'm, but my question was, you called it quits, why'd you stop? Why'd you go back immediately? That was my question. Answer that question.

• 1:26:36Speaker 03

  Well, first his mom was telling me that I was being selfish and that I should just try to work it out and then.

• 1:26:42Caleb Hammer?

  Well, I'm gonna call that bitch in the post show then, cause she can go fuck herself.

• 1:26:45Speaker 03

  She quite literally said that.

• 1:26:46Speaker 04

  There's context to that.

• 1:26:47Caleb Hammer?

  Well, I'm gonna call her, cause she's staying at your house and she needs to get the fuck out.

• 1:26:51Speaker 04

  We were the reasons.

• 1:26:52Caleb Hammer?

  Confront that whore.

• 1:26:52Speaker 04

  We were the reasons.

• 1:26:53Caleb Hammer?

  Doesn't matter. Why'd you go back?

• 1:26:55Speaker 03

  So, that, I don't like being called selfish, cause I've given, I've paid for almost three years of all the bills, but I.

• 1:27:03Caleb Hammer?

  The question I asked. You said you wanted to separate. Why'd you take that back?

• 1:27:09Speaker 03

  What, mostly cause of feelings. I do love him and I, I want to be with him, cause I know he can do better.

• 1:27:15Caleb Hammer?

  No, he can, but he won't.

• 1:27:17Speaker 03

  Him not, I don't feel like he's trying. I feel like he only tries whenever he feels, knows that it's getting close to me, like done.

• 1:27:24Caleb Hammer?

  Absolutely.

• 1:27:24Speaker 03

  And I wish he wouldn't do that, cause I wish he would see, I'm like.

• 1:27:30Caleb Hammer?

  It's time.

• 1:27:31Speaker 03

  I allow it.

• 1:27:31Caleb Hammer?

  Girl, it's time. You can do so much better. You can do so much better, I promise you. You can. You can. You do not need to put up with this piece of shit. You do not need to put up with this piece of shit anymore.

• 1:27:46Caleb Hammer?

  You really don't have to. And look, this is why you can't move out, cause the finances are tied, but the reality is, girl.

• 1:27:56Caleb Hammer?

  Regardless of his spending, which was a shit ton, you're doing Texas Roadhouse, Medieval Times, Taco Bell, Amazon, Caesar's Pizza, but she doesn't eat very much. Ha Ha Innovation, Texas Roadhouse, Bu- Bubba's, Wendy's, Lego, bullshit, bullshit, Taco Bell, go in and get some bullshit, Sonic, Texas Roadhouse, Bubba's, Chick-fil-A, go in and get some bullshit, Taco Bell, Outback, the boys, bullshit, McDonald's, McDonald's, Taco Bell. I mean, none of them are selling and transferring things back and forth, but that's why you have no ability. You said you can't move out and live on your own? Yes, you can. You spend it all. Now, for what it's worth, a lot of that, to me,

• 1:28:37Caleb Hammer?

  looks like copespending. Copespending because you hate. He's made your life a piece of shit. He's made your life shit. The mom's there, and I'm gonna call her and confront her ass and tell her to move. But that's why. I think you're copespending. I'm gonna get you in therapy. I'm gonna pay for it. You need to leave. I'll get you a course career certification so you can also just make more money. People in the audience have taken those, turned them into six-figure jobs. I'll get you on our budgeting app. I'll get you a time checking account so you can get a few, few free hundred dollars with my link. I will get you every resource possible. Fuck you, you get nothing. And, girl, you have a big rest of your life. Get it? Left. I didn't even mean that, but...

• 1:29:20Speaker 04

  That was underhanded.

• 1:29:21Caleb Hammer?

  Excuse you?

• 1:29:23Speaker 04

  So that was underhanded? I don't, I disagree. I don't think I'm a big piece of shit as you paint me out to be.

• 1:29:31Speaker 04

  There's a lot of context missing.

• 1:29:32Caleb Hammer?

  You deserve nothing. You have brought down everyone around you, and you suck. Girl, it's time to move on. There's so much life to live. Yes, I recommend health for health reasons, but even without that, you will find someone. You actually will. Just where the, what the dynamics are right now, you know, big women get the skinny men, the two, like, it's fine. You'll be fine. You will find, I mean, you got it right now. You will find, you'll find someone that doesn't look [BLEEP] and you will be able to do so much in life. It'll be incredible. He's a piece of shit. He's bringing you down. Time to move on, even if you love him. You will live so much better life, and I'll give you all the resources to help you get there, okay? Let me see how we can budget you, because that's my concern. You can [BLEEP] off.

• 1:30:14Caleb Hammer?

  And, okay, let's see. Yes, you do have a lot of minimums to payments. He needs to refinance the debt. Best way to prove that you're not a piece of shit is refinancing it so it doesn't hold her back.

• 1:30:24Speaker 04

  Is that even possible to do? Under 12 months of owning the vehicles?

• 1:30:27Caleb Hammer?

  Try your very best, buddy.

• 1:30:29Speaker 04

  Because I've asked about it already.

• 1:30:31Caleb Hammer?

  Try your very best, and if not, do it when you can immediately. Your minimums to payments, lady, 1,320, what, $1,320.80. Your rent, if I, we can get you DFW, Brandon, Lindsay, throw the rent, a normal, good rent, one bedroom. She can probably do 1,200 if she wanted to. Boom. 1,200. Perfect. Love it. Thousand bucks. Thousand bucks. There we go. Uh, we can do utilities, internet, electric. I'm gonna put that all 250. Maybe 300. I'll do 250. Phone bill. I can get you on 15 bucks if you own your phone through helium.

• 1:31:10Speaker 03

  I don't.

• 1:31:10Caleb Hammer?

  Okay, what's your phone bill then?

• 1:31:12Speaker 03

  Um, so, whenever, it's just mine, it was like 61 dollars?

• 1:31:17Caleb Hammer?

  Perfect. It's just gonna be yours. 61 dollars, because you are splitting. Yeah, how much do you use in gasoline on a monthly basis?

• 1:31:23Speaker 03

  So my gas, my car is a hybrid, so it is

• 1:31:27Caleb Hammer?

  How much a month?

• 1:31:28Speaker 03

  About 60 to 80?

• 1:31:30Caleb Hammer?

  A month, not bad. Car insurance, how much?

• 1:31:32Speaker 03

  Um, I pay 166.

• 1:31:35Caleb Hammer?

  Nice, that's not bad. 300 dollars. We'll get you groceries. We do it from HUB. That is the meal plan. That is the meal prep. You'll be fine. It's meal prepping, meal planning, you're warming up things. TP fun, anything else exists. This is tampons. This is morning afters, because you're gonna have a lot of fun with them.

• 1:31:50Speaker 03

  I'm out of control, so...

• 1:31:51Caleb Hammer?

  Oh, there you go. Um...

• 1:31:52Speaker 04

  And it works.

• 1:31:53Caleb Hammer?

  Shut the [BLEEP] up. TP fun, anything else exists there. Copays monthly basis, how much?

• 1:31:59Speaker 03

  Um, so my, my, my insurance, everything gets taken out of my paycheck.

• 1:32:02Caleb Hammer?

  Yeah, no copays?

• 1:32:03Speaker 03

  Um, the...

• 1:32:05Caleb Hammer?

  I'm gonna give you copays 200 dollars because you are gonna start doing...

• 1:32:08Speaker 03

  It just depends on the, if it's a specialty or anything.

• 1:32:10Caleb Hammer?

  You are gonna start doing therapy after my paid for sessions. You're gonna continue. I'm gonna do 200 bucks. Subscriptions. I will give you, 40 bucks should be good. You have, how much is your gym and personal trainer that you need to actually use and push yourself?

• 1:32:22Speaker 03

  So, the, for the personal trainer, um, that is 120 every two weeks. And for my gym membership, I believe it's 2, like, it's under 30 dollars a month.

• 1:32:36Speaker 04

  It's like 25 bucks a month.

• 1:32:38Caleb Hammer?

  Quiet. 265 dollars. Okay. Which is a work that, you have any pets?

• 1:32:45Speaker 03

  We have a dog.

• 1:32:46Caleb Hammer?

  Who's gonna take it?

• 1:32:47Speaker 03

  I, I've been taking care of him. I pay for all this stuff.

• 1:32:50Caleb Hammer?

  So you'll take the dog. Okay, 50 bucks. How much for pet food on a monthly basis?

• 1:32:54Speaker 03

  Um, I usually get one bag, and that's usually about 30 dollars, because I get the

• 1:33:02Caleb Hammer?

  Perfect. And I did 50 for pet insurance when I said that number. Anything else that needs to be in your budget when you're on your own that is not here?

• 1:33:08Speaker 03

  Um, not that I can think of, no.

• 1:33:12Caleb Hammer?

  Perfect. Hey, girl, like I told you. Shit. No, actually. Wait, wait, no, no, no. Well, okay, Ally, I know you can make more money, and you're gonna have to, because you're right. On your own, you would struggle. You might need to move in with your mom for a little bit, can you?

• 1:33:28Speaker 03

  Uh, they live four hours away, so I'd lose my job. I mean, she's already said she'd help me find a job, but still.

• 1:33:33Caleb Hammer?

  Then work on that. Try to find a job, because you're underwater, living by yourself by, uh, maybe like

• 1:33:39Speaker 03

  If I move in...

• 1:33:39Caleb Hammer?

  500 bucks.

• 1:33:40Speaker 03

  If I move back home, then I won't have to pay rent.

• 1:33:42Caleb Hammer?

  I know, but, so you can find a job there?

• 1:33:45Speaker 03

  She's already said she would help me. Her coworkers have...

• 1:33:47Caleb Hammer?

  Worth it. Do it. Get on your feet, start dating, you'll be fine. Boom. That's the solution, and you'll be good. You'll be good. That's the solution. You start paying down that debt, girl. Maybe even do like a trade-in car situation, that 50,000 dollars. Maybe we borrow the difference, we buy a 10,000 dollar car. That will immediately save the day. We'll help you with that. But that, I think you move in. You need to leave this, man. He's done. Guys, I'm gonna confront his piece of shit mom in the post-show. It's gonna be, well, you know how it gets. That's why there's 140,000 members. But spending in a budget, this is your Hammer Financial Score. You can go [BLEEP] yourself. Spending in a budget, you overspent? Clearly. 0 out of 10 debt. You have collections, 0 out of 10 emergency finance savings, I didn't see retirement, no real estate. Hammer Financial Score is 0 out of 10. Get yours at CalebHammer.com. Join us for the post-show, an extra 20 minutes.

• 1:34:31Caleb Hammer?

  It's gonna be incredible. That's why there's over 140,000 members to Hammer Elite, the network we have made where there are three high-quality premium shows every single day, six days a week. You can join by the links in the description below or click that join button on YouTube, or you can go off platform at the HammerElite.com or Hammer Elite app. It's the same membership on both platforms, just want to give you more options to make your day better. I'll see you in the post-show.

• 1:34:51Speaker 04

  You wanna call her?

• 1:34:53Speaker 06

  Hello?

• 1:34:53Caleb Hammer?

  They told me that you said she would be selfish to break up with him.

• 1:34:58Speaker 06

  Selfish to leave, because I couldn't pay the rent.

• 1:35:01Speaker 03

  But the thing, [BLEEP] makes enough money to her...

• 1:35:03Caleb Hammer?

  He does make enough money. Your son makes enough money.

• 1:35:05Speaker 06

  Well, [BLEEP] said he did make enough money.

• 1:35:08Speaker 04

  You knew about that.

• 1:35:09Speaker 06

  No, I didn't know until she sat there and blurted it out.

• 1:35:12Caleb Hammer?

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

• 1:35:53Caleb Hammer?

  transportation, a hotel, food, and we'll have a great time hanging out. Go to CalebHammer.com/apply or click that link in the description below.

• 1:36:01Speaker 01

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