Financial Audit’s Biggest Gold Digger

Your data is being sold right now. My sponsor Aura will find the brokers selling it and remove you automatically. Try 14 days for free: https://aura.com/hammer *I GO THROUGH HIS PHONE* and he's talking to a lottttttt of women, and sending very sketchy messages to them... 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* ============================= 👉 See if refinancing your high-interest debt saves money. Checking is free. → https://hamr.link/ytmoneylion2 👉 Find and compare much better AND cheaper car insurance for free → https://www.moneylion.com/network/hammer-media/auto-insurance/search 👉 Finally experience relief from your debt once and forall → https://www.moneylion.com/network/hammer-media/debt-relief/explore ============================= 🔥 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* ============================= Thank you to Mint Mobile for partnering with us on this video! Shop plans starting at 15 bucks a month at https://www.mintmobile.com/hammer. Upfront payment of $45 for 3-month 5 gigabyte plan required (equivalent to $15/mo.). New customer offer for first 3 months Limited time offer. Upfront payment of: $45 for 3-mo., $90 for 6-mo., or $180 for 12-mo. plan req’d ($15/mo. equiv.). Taxes & fees extra. Initial plan term only. Greater than 50GB may slow when network is busy. Capable device req'd. Availability, speed & coverage varies. See mintmobile.com Taking care of your health just got easier – start here with Zocdoc: https://zocdoc.com/caleb #sponsored 👕 Update your wardrobe today with Quince: https://www.quince.com/shop/our-core-collection?utm_source=veritone&utm_medium=podcast&utm_campaign=caleb If you or someone you know experienced serious mental health struggles as a result of social media use, you may be entitled to a potential recovery of over $1,000. Visit https://morganmorganpa.sjv.io/c/7273707/3841482/23429?sharedid=caleb-hammer to submit a claim now. ============================= *Education* ============================= 👉 Get access to EVERYTHING I offer all in one place: https://bit.ly/4sUm2pb ⚡Learn how to budget: https://bit.ly/4sspyGh ⚡Learn how to invest: https://bit.ly/41mr8OP ⚡Pay off your debt: https://calebhammer.com/master-your-debt ============================= *Extra Resources* ============================= 👉 Land a high-paying job with no experience or degree: ➡ https://coursecareers.com/CalebHammer 👉 Get FREE MONEY by investing with Public! https://secure.moneymatchup.com/public-caleb 👉 Find the best credit cards for you with my quiz! https://cards.calebhammer.com/yt 👉 Get $20 from Acorns for free: ➡ https://acorns.com/caleb 👉 Helium Mobile: Use promo code CALEB for a FREE plan ➡ https://hellohelium.com/ 👉 Protect your online privacy and security for free with Aura: ➡ https://aura.com/hammer ============================= *Chapters* ============================= 00:00 Intro 01:24 Jobs & Income 06:55 shoutout david ramsey!! 13:25 fun fact, he doesnt know his numbers lool 16:30 how did this turn into a race thing 19:39 sounds like a gold digger... 24:20 bro didnt even cheat on her the right way.. a CONDOM??? 28:24 the double standard here is craaaaazy 34:50 not allowing him to do this.. is having trust issues 39:00 shes for the streets... 49:13 how did this turn into a gender thing 58:25 no matter what buddy does it is just not good enough 01:06:10 average candance owens enjoyer!! 01:15:30 thats a pretty big if LMFAO 01:31:15 bro bought a porsche "for his child" 01:37:31 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!* ============================= stan.store/calebhammer ============================= *Want to be a guest on Financial Audit?* ============================= 👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply *Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. Sponsorship and business inquiries: [email protected] Learn more about your ad choices. Visit megaphone.fm/adchoices

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

• 0:01Speaker 00

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

• 0:26Speaker 01

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

• 0:55Caleb Hammer?

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

• 0:58Speaker 03

  Up until a year ago, he was kind of still on the edge about like being the provider and me like staying at home and spending the money.

• 1:05Caleb Hammer?

  Two months in, that's kind of crazy.

• 1:07Speaker 04

  It was crazy.

• 1:07Caleb Hammer?

  That's crazy. That's a gold digger.

• 1:10Speaker 03

  As a man who's trying to court you? No, I don't think that I should be.

• 1:13Caleb Hammer?

  Who the are you?

• 1:14Speaker 04

  I'm like, okay, so you're just using this guy for his money. And he, you made it clear that he had no chance, but you had no problem taking his money. And I'm like, okay, so how am I going to be any different?

• 1:24Caleb Hammer?

  You were telling the producers in the whole onboarding process that you love the finer things and that guys provide those things for you. Dollar Wise is finally here, sending waves through the personal finance world. This is officially now the best budgeting app on the market. And I'm giving you a special deal to download. Get a free trial to test it out. And then you get the monthly plan at a 33% discount for the first three months or the annual plan at an insane discount. And most people sign up for the annual version because this saves a lot of money and you get my detailed 30-day meal plan signed by me mailed directly to you, plus the digital version of my cookbook for each recipe. Don't miss the opportunity of a lifetime. Download Dollar Wise and start your free trial. Go to dollarwise.com or click the link below.

• 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

  Hey, I'm Katie. I'm 24 years old.

• 2:28Speaker 04

  I'm Michael. I'm 30 years old. We live in Austin, Texas.

• 2:32Speaker 03

  And this is Financial Audit.

• 2:35Caleb Hammer?

  Locals, I love it. What do you do here, Katie, for a living in Austin?

• 2:40Speaker 03

  I'm a stay-at-home mom.

• 2:41Caleb Hammer?

  Oh, you sure are. I did see a two-month-old child out there. Very nice. Congratulations. Congratulations. How long have you guys, are you guys married?

• 2:51Speaker 03

  We're not legally married, but we're.

• 2:54Caleb Hammer?

  Maybe some common law. Why are you impregnating?

• 2:56Speaker 04

  She could show the ring. We're married.

• 2:59Caleb Hammer?

  Huh?

• 2:59Speaker 04

  We're married.

• 3:00Caleb Hammer?

  Okay, but.

• 3:01Speaker 03

  We're technically engaged, but not like.

• 3:03Speaker 04

  Not federally married.

• 3:04Caleb Hammer?

  Okay, technically engaged. You're not married.

• 3:06Speaker 03

  Yeah.

• 3:06Caleb Hammer?

  Why impregnate now before marrying a hoe?

• 3:10Speaker 04

  Well, I didn't, I didn't impregnate a hoe. She's not a hoe. I got her pregnant because I knew I was going to marry her, so.

• 3:17Caleb Hammer?

  Maybe we complete that step for the sake of the child.

• 3:20Speaker 04

  Not necessarily.

• 3:21Caleb Hammer?

  Not necessarily?

• 3:22Speaker 04

  No, no, no, no, no. No, because there's definitely benefits to not being married.

• 3:25Caleb Hammer?

  Did it give you herpes too? Alongside that?

• 3:28Speaker 04

  I burnt my lip. I burnt my lip.

• 3:30Caleb Hammer?

  You burnt your lip?

• 3:31Speaker 04

  Yes, I burnt my lip on hot coffee. Yes.

• 3:34Speaker 05

  Who wants coffee? Anybody want coffee? Who wants coffee?

• 3:38Caleb Hammer?

  Usually when coffee is hot, I'm not like, let's just like go.

• 3:43Speaker 04

  You drink a lot of coffee?

• 3:44Caleb Hammer?

  Yes.

• 3:44Speaker 04

  Oh, I thought you drank gamer subs.

• 3:46Caleb Hammer?

  I drink gamer subs for energy drinks or the caffeine-free version. Thank you. But yes, I drink coffee like a normal person and I've never burned my lips.

• 3:55Speaker 03

  I drank iced coffee, so I wouldn't know.

• 3:57Caleb Hammer?

  And when hot coffee is hot, I don't.

• 3:59Speaker 04

  Well, at least mine's a burn. I don't know what yours are. Yours.

• 4:02Caleb Hammer?

  Acne.

• 4:03Speaker 04

  Yeah, acne on your lip?

• 4:05Caleb Hammer?

  Yes, I have acne.

• 4:06Speaker 04

  Acne usually comes from like a pore, right?

• 4:08Caleb Hammer?

  Well, this is mostly fat and fat or we eat a lot of greasy food. I'm in favor of Hammer Elite Show, but you unfortunately are too to not know to put your lip on a hot liquid.

• 4:18Speaker 04

  Yeah.

• 4:18Caleb Hammer?

  But Michael, hopefully you're not too to have a good pain job.

• 4:21Speaker 04

  I'm not fat though. I'm not fat though. I'm not fat.

• 4:24Speaker 03

  He's not. He has a six-pack.

• 4:25Caleb Hammer?

  Okay.

• 4:25Speaker 04

  Yeah, it's all muscle.

• 4:26Caleb Hammer?

  A better shirt then, because that one unfortunately.

• 4:29Speaker 04

  I was going to, but I didn't want my nipples to show, so.

• 4:32Caleb Hammer?

  Okay, we wouldn't have complained. What do you do for a living in Austin?

• 4:36Speaker 03

  He probably would have liked it, honestly.

• 4:37Speaker 04

  Probably. I do, I do sales.

• 4:40Caleb Hammer?

  We like sales. That's what I was doing before.

• 4:41Speaker 04

  That's why I do sales.

• 4:43Caleb Hammer?

  Yeah. Because I was doing it before?

• 4:45Speaker 03

  He's been watching you for a while.

• 4:46Speaker 04

  Yeah, I used to be like.

• 4:47Caleb Hammer?

  A superfan here?

• 4:49Speaker 04

  Not a superfan, not a superfan.

• 4:50Caleb Hammer?

  If you're doing sales, because I did sales.

• 4:52Speaker 04

  No, because it's, it was.

• 4:53Caleb Hammer?

  Stand up, show us that six-pack.

• 4:54Speaker 04

  No, no.

• 4:55Caleb Hammer?

  We'll stand your ass up. Yes, absolutely.

• 4:58Speaker 04

  I'm not going to show you my six-pack, but.

• 5:00Caleb Hammer?

  Okay.

• 5:00Speaker 03

  He just wants you to take your shirt off.

• 5:01Speaker 04

  I know, he's.

• 5:05Caleb Hammer?

  Just give you a new chair. Thank you. Thank you very much. W. Mark Martinez. We love Mark Martinez.

• 5:11Speaker 03

  Thanks, Mark.

• 5:12Caleb Hammer?

  Good. What do you sell?

• 5:13Speaker 04

  Pest control. So, yeah. Pest control.

• 5:16Caleb Hammer?

  Okay, yeah, you guys are really annoying. I'll be completely honest. I tell you guys to get away from my voice, like on my nest. I'm like, dude, stop it. And then you guys keep coming. It's really annoying.

• 5:27Speaker 04

  Well, so.

• 5:28Caleb Hammer?

  How much you making?

• 5:29Speaker 04

  A lot. This year I should make like $200,000.

• 5:33Caleb Hammer?

  That's really good. How long have you been doing this?

• 5:36Speaker 04

  Uh, I've been doing sales for like four years now. Yeah.

• 5:39Caleb Hammer?

  Okay, okay. Has it been that 200,000 every year?

• 5:43Speaker 04

  No, no, that's, it's, this will be the first year. I cleared 200,000. Last year it was like 120. Year before that, it was like 60. Year before that, it was like 30, 35.

• 5:53Caleb Hammer?

  And how the, dude? Why are we so confident on this 200 number?

• 5:57Speaker 04

  Because I'm, I'm a dog. I'm the best guy in the industry.

• 6:00Caleb Hammer?

  I'm cut from a different cloth. I'm a different breed to most. They don't make men like me anymore.

• 6:05Speaker 04

  That's, it's just, it's, I made 120 last year. 200,000, that's going to be.

• 6:10Caleb Hammer?

  I mean, if you continue that same percentage of growth, but I feel like, I mean, at some point, this is. Okay.

• 6:17Speaker 04

  Yeah.

• 6:17Caleb Hammer?

  Well, we're like seven months of the year. What have you made this year? Let's start there.

• 6:21Speaker 04

  Uh, I think. Can I check?

• 6:23Caleb Hammer?

  Well, yeah, you can check. I would usually, sales guys kind of know their numbers.

• 6:27Speaker 04

  I think it's like 100,000.

• 6:30Speaker 03

  He's told me like it's like 120,000.

• 6:32Speaker 04

  Yeah, I think it's.

• 6:33Caleb Hammer?

  Then you might actually be on track, but we are in past season for what it's worth.

• 6:37Speaker 04

  Well, so I do specifically termites and rats.

• 6:42Speaker 04

  So rats are worse in the winter time and termites, I usually do mostly in the summertime.

• 6:46Caleb Hammer?

  Well, good.

• 6:46Speaker 04

  Yeah, 102 gross, 80, 80 net.

• 6:49Caleb Hammer?

  Well done. Are you contracted or are you getting?

• 6:51Speaker 04

  I'm W.2.

• 6:52Caleb Hammer?

  Okay, good. So, well, what is hitting your account on average monthly basis?

• 6:56Speaker 04

  On average this year, it's 12,500 roughly.

• 7:00Caleb Hammer?

  Go, dude.

• 7:00Speaker 04

  Yeah.

• 7:00Caleb Hammer?

  That's really good. What is not really good is how is someone making that amount of money? Who just brought a kid into the world?

• 7:08Speaker 04

  Yeah.

• 7:08Caleb Hammer?

  On this show with this much paperwork?

• 7:11Speaker 04

  Well, there's no credit card debt.

• 7:16Speaker 05

  Are you sure about that?

• 7:18Caleb Hammer?

  Doesn't matter. A credit card debt doesn't equal like, okay, I don't have credit card debt, so I'm in a good position. You have this much paperwork and you are accepted on Financial Audit. Here's the fun fact, buddy. You're not doing well, even if this isn't credit card.

• 7:30Speaker 04

  But I'm not.

• 7:30Caleb Hammer?

  Wait, I just saw a credit card.

• 7:32Speaker 04

  No, you didn't.

• 7:32Caleb Hammer?

  Oh, no, I saw CarMax, even worse. Okay, so you're going to brag about that? Well, you think you're better than other guests on this show?

• 7:38Speaker 04

  No, no, no, no.

• 7:38Caleb Hammer?

  No?

• 7:39Speaker 04

  No, no, my spending is probably the worst. It's going to be the most heinous spending that you probably see.

• 7:44Caleb Hammer?

  So why is someone making that much money on this show of which?

• 7:47Speaker 04

  That's what I was trying to explain.

• 7:48Caleb Hammer?

  It's a lot of debt though, buddy. It is a lot of debt regardless of its credit card. It's not just you spend money. What are we doing?

• 7:54Speaker 04

  So basically, I've been a fan of like, you know, you, Dave Ramsey, the money guys. The whole thing is.

• 8:00Caleb Hammer?

  Money guy, if you're a real OG.

• 8:02Speaker 04

  Sorry, sorry. But the whole policy is, is make your, get your money up. It was get your money up and then start paying off the.

• 8:09Caleb Hammer?

  Is that what I said?

• 8:10Speaker 04

  The first step, first step.

• 8:11Caleb Hammer?

  Excuse me, is that what I said? Have I ever said that? Get your money up is those, what you do? I think the first step is actually budget the money you have.

• 8:18Speaker 04

  Well, if you don't have money, how can you budget?

• 8:20Speaker 03

  Well, yeah.

• 8:20Caleb Hammer?

  You had money. You have the budget.

• 8:22Speaker 04

  No, I barely had money.

• 8:24Speaker 03

  Before, I guess.

• 8:24Caleb Hammer?

  You had money. Last year you made $100,000.

• 8:26Speaker 04

  Yeah, so that was the first, that was the first year I made that much money.

• 8:28Caleb Hammer?

  Yeah, but even the year before that, what were you, you said like 60 or 70?

• 8:31Speaker 04

  I didn't know that much.

• 8:32Caleb Hammer?

  50, 60, 70s, something like that?

• 8:33Speaker 04

  The year before, there was like six.

• 8:34Caleb Hammer?

  You can budget that. Yes, you can. And she probably had her job before you had the kid, right?

• 8:38Speaker 03

  I did, yeah. I was a nanny.

• 8:40Caleb Hammer?

  Yeah, okay, so she made money. You guys were able to budget money.

• 8:42Speaker 03

  I only work like two days a week though.

• 8:44Caleb Hammer?

  But clearly, as you said, you immediately have spent a lot more money. So that's not obviously the only solution. That's why we budget before we make more money, so that when we make more money, we don't immediately start spending all our money when we make more money. Because that's what always happens. Money guy would agree, Ramsey would agree, I would agree. You, you didn't listen. You don't know what you're talking about. You're not the superfan.

• 9:01Speaker 04

  I had to get money to be able to pay off debt.

• 9:03Caleb Hammer?

  You can't pay off debt if when you make more money, you didn't control your behavior in the first place. So when you make more money, you didn't know you're making more money? Well, that's why, hey, when you actually budget being the first step, then you actually know you make more money. So that's the fun fact. Instead of making more money first, if you budget, you actually know you make more money. That's why budgeting is the first step. So you're wrong.

• 9:24Speaker 04

  We did that. We did that. That's why we're on the show, because we budgeted. We saw how much money we spent.

• 9:28Caleb Hammer?

  If you're budgeting, you want to be in this situation.

• 9:30Speaker 04

  We've been budgeting since May.

• 9:31Caleb Hammer?

  Okay, that's great. How much did you spend going out to eat last month?

• 9:33Speaker 04

  Last month on those statements, it was probably like $700.

• 9:37Caleb Hammer?

  Probably just about, actually, yeah. How much did you guys spend last month making money? You budget. How much you make?

• 9:42Speaker 04

  How much money did I make?

• 9:44Caleb Hammer?

  How much you spend?

• 9:44Speaker 04

  How much did I spend?

• 9:45Caleb Hammer?

  How much you spend? What was the outflow? Budget? I budget.

• 9:48Speaker 04

  $20,000. It was like $20,000.

• 9:50Caleb Hammer?

  $24,275.52.

• 9:52Speaker 04

  Yeah.

• 9:53Caleb Hammer?

  You're not budgeting. If you're budgeting, you know that number. When I budget, I know my number.

• 9:56Speaker 04

  I knew it was 20. I thought it was 22.

• 9:58Caleb Hammer?

  You know it was in the 20s. 20s is in the big range between 20 and 30.

• 10:01Speaker 04

  I thought it was 22.

• 10:02Caleb Hammer?

  You're budgeting if you don't have the number.

• 10:05Speaker 04

  I do have the number.

• 10:05Caleb Hammer?

  You didn't have the number. In fact, when actually we just went over the number, you didn't have the number.

• 10:10Speaker 04

  I do have the number. It's.

• 10:10Caleb Hammer?

  You didn't have the number. You just told me the wrong. Did he tell me the right number?

• 10:13Speaker 03

  He said 2020?

• 10:15Caleb Hammer?

  He said 22. It was 24.5.

• 10:16Speaker 03

  I thought it was 22.

• 10:18Caleb Hammer?

  That's actually a big difference.

• 10:19Speaker 03

  We did the.

• 10:20Speaker 04

  When you're talking about $20,000 in a month, $2,000 is a small discrepancy.

• 10:24Caleb Hammer?

  That's actually really big for you when you are in debt and you guys are not providing a better life for your kid already.

• 10:29Speaker 04

  Oh, we are providing a better life for our kid already.

• 10:31Caleb Hammer?

  What better life? You're not making any change. There's no progress. What are you talking about?

• 10:33Speaker 04

  What do you mean? She was, uh, she was.

• 10:35Caleb Hammer?

  You don't know your numbers.

• 10:36Speaker 04

  She was born at home because we, we had enough money to be able to have her born at home.

• 10:40Caleb Hammer?

  You didn't even have to do that. Who cares?

• 10:41Speaker 04

  We did have to do that. Yeah. What do you mean? We didn't have to do that.

• 10:43Caleb Hammer?

  You didn't have to have her born at home. What do you mean? Final notice. Suspicious activity. Random spam call. This is exactly the garbage I'm talking about. And why this part of the video is sponsored by Aura. Somewhere along the way, you gave your info to a company you trusted. They sold it to a data broker or they got breached and now your data is floating around, getting passed between scammers and creeps. And then months later, you get some pathetic little, we take your privacy seriously email. Cool. Very helpful. Aura is how you start fighting back. They automatically opt you out of data broker sites, monitor the dark web, watch your bank and credit accounts for fraud.

• 11:19Caleb Hammer?

  And they also include antivirus, a VPN and a password manager. If the worst happens, Aura includes up to $5 million in identity theft insurance. What I like is that they're a US-based company whose business is protecting your info, not selling it. Your personal information is encrypted and Aura doesn't sell your personal information. Plus they monitor 41% more dark web categories than the next leading competitor. Your data is being sold right now while you're watching this. Aura can help make you safer online and cut down on the spam you get. Try 14 days for free at aura.com/hammer. Links on screen in the description and pinned comment below. All right, back to the disaster.

• 11:59Speaker 04

  Why, why did we not have to do that?

• 12:01Caleb Hammer?

  Have to?

• 12:01Speaker 04

  Yeah. Why would like?

• 12:02Caleb Hammer?

  Have to. You don't have to.

• 12:04Speaker 04

  You don't necessarily have to.

• 12:05Caleb Hammer?

  That's what I just said. And then you said you had to.

• 12:07Speaker 04

  No, I didn't say like we had to.

• 12:08Caleb Hammer?

  You just asked why didn't you have to? No, you don't have to.

• 12:11Speaker 04

  You don't have to.

• 12:12Caleb Hammer?

  That's great. If you want to, you don't have to.

• 12:13Speaker 04

  But that's what I'm saying. We did that to get for a better life. That's why you asked that question.

• 12:17Caleb Hammer?

  What provides a better life for that for the kid? I think it was an nicer experience for you guys.

• 12:20Speaker 04

  Right.

• 12:20Caleb Hammer?

  What was the better life for the newborn?

• 12:22Speaker 04

  Experience for the child, right? So like if you have a birthing woman, I'm not going to say person. If you have somebody who's giving, she's really.

• 12:29Caleb Hammer?

  Why not person?

• 12:30Speaker 04

  She's sensitive about that. You can't say birthing person.

• 12:32Speaker 03

  Because the people that give birth are women. Birthing person is not, no, we don't, we don't do that. It's, it's a woman, woman. Women give birth.

• 12:43Speaker 04

  The whole point was to have her.

• 12:44Caleb Hammer?

  Where'd that come from? Who's saying person?

• 12:46Speaker 03

  A lot of people say birthing person or like.

• 12:48Caleb Hammer?

  Did he do it and you cooked him?

• 12:49Speaker 04

  No, she texted. No, she texted me the, just yesterday and was like, oh, somebody said like.

• 12:55Speaker 03

  Menstrual, like I was, um, watching actually one of your videos and there was a Myrtle, Myrtle, um, ad on it. And it said something like menstruating person.

• 13:04Caleb Hammer?

  Too poor for YouTube premium. Okay.

• 13:05Speaker 04

  I, I pay for it. She uses my account.

• 13:09Speaker 04

  We're not too poor for it. I'm a new member.

• 13:11Speaker 03

  They said menstruating person and I'm like, that's, that's crazy. But yeah, he has, he has said birthing person before.

• 13:18Caleb Hammer?

  He knew that would trigger you.

• 13:19Speaker 03

  No, yeah, it did. And I told him to never say that to me again because it's women. Women give birth. So.

• 13:24Caleb Hammer?

  I mean, yeah, women give birth. I don't know. Is that?

• 13:27Speaker 03

  Yeah. Yeah. He said that to me before.

• 13:29Speaker 04

  I just said it as like a, like she's a person, right? Like women are people. You know what I mean? They're not animals.

• 13:34Caleb Hammer?

  I think so, as far as I know.

• 13:35Speaker 04

  But either way.

• 13:37Speaker 03

  Context behind it, like right now in our society is what bothers me.

• 13:42Speaker 04

  But to go back to your question, we needed her in the most comfortable place possible. So our daughter could be born in the best situation possible. And that was deemed to be.

• 13:49Caleb Hammer?

  What's the benefit of the actual newborn? I'm curious. Maybe there is. Maybe I'm uninformed on this. I don't know. You're saying for the sake of the kid. Yeah. Though it sounds like you guys had a better experience, which I'm down for.

• 13:58Speaker 04

  Yeah. So if the mother's not stressed, if the mother's not stressed, that leads to a healthier birth altogether.

• 14:03Caleb Hammer?

  Okay. Well, I mean, how much money did you have to spend on that? Again, you guys don't have a financial.

• 14:06Speaker 04

  It was like 6500 bucks.

• 14:07Caleb Hammer?

  How much debt do you have? What's your total debt number?

• 14:09Speaker 04

  Total debt.

• 14:10Caleb Hammer?

  We know our numbers.

• 14:10Speaker 04

  It's like 80 something thousand.

• 14:13Caleb Hammer?

  108,385. What the fuck are you talking about? You don't know your numbers. Tell me you know your numbers.

• 14:18Speaker 04

  Okay. So they, the.

• 14:19Caleb Hammer?

  You don't know you're spending. You don't know.

• 14:20Speaker 04

  Added to.

• 14:21Caleb Hammer?

  Here's our budgeting king.

• 14:22Speaker 04

  Added to then, since then that I forgot about.

• 14:23Caleb Hammer?

  Know your number.

• 14:24Speaker 04

  I forgot about it. I just forgot.

• 14:25Caleb Hammer?

  You forgot about the number. I thought you were the number guy.

• 14:27Speaker 04

  This weekend.

• 14:27Caleb Hammer?

  That you're the money guys.

• 14:28Speaker 04

  I am.

• 14:29Speaker 03

  I thought all of these numbers were less than what they actually are.

• 14:33Speaker 04

  And to be fair, she helped me budget.

• 14:34Speaker 03

  Because he tells me like he's like.

• 14:36Caleb Hammer?

  Did he lie about the numbers?

• 14:37Speaker 03

  I don't think, I don't, I don't want to think that he lied.

• 14:40Caleb Hammer?

  Informed based on the conversation we've had.

• 14:42Speaker 04

  Month and we go line by line on all of our.

• 14:44Caleb Hammer?

  And how are you fucking up so bad?

• 14:46Speaker 04

  I don't think we're that bad. There was.

• 14:47Caleb Hammer?

  You are on financial audit. We would not accept you if you weren't.

• 14:50Speaker 04

  I don't think we're.

• 14:50Caleb Hammer?

  Just a fun fact, by the way.

• 14:51Speaker 04

  I don't think we're that bad.

• 14:53Caleb Hammer?

  That makes no sense. Well, good news. He, the, the guy who's overspending in your entire household doesn't think you're fucking up that bad. Good news for you.

• 15:01Speaker 03

  I didn't think we were like fucking up so bad either. Cause like he has.

• 15:06Caleb Hammer?

  Didn't. He says he doesn't. You didn't. Now you learned. Now you do.

• 15:11Speaker 03

  Score and we took, we got a six. So like.

• 15:14Caleb Hammer?

  Does he own a house?

• 15:15Speaker 03

  We don't own a house.

• 15:16Caleb Hammer?

  How'd you get a six?

• 15:17Speaker 04

  I don't know.

• 15:18Caleb Hammer?

  When'd you take it?

• 15:18Speaker 03

  Cause we're not doing that bad.

• 15:19Caleb Hammer?

  When'd you take it?

• 15:20Speaker 04

  It was after we did our first budget in May.

• 15:22Caleb Hammer?

  Was that? I don't know. In May? We've revamped it since then. I would take it again.

• 15:27Speaker 03

  It, it was still a six though.

• 15:29Caleb Hammer?

  No, I would take it like today.

• 15:30Speaker 04

  Yeah. I, I think it would probably give us like a three or four if we took it today.

• 15:35Speaker 03

  I think on average with like your normal guests were a little bit better.

• 15:40Speaker 04

  Better than most of your guests.

• 15:42Caleb Hammer?

  How so?

• 15:44Speaker 04

  Well, we make more money.

• 15:45Speaker 03

  We're not.

• 15:47Speaker 04

  We're not. That's true. We're not.

• 15:50Caleb Hammer?

  You have time on your side.

• 15:52Speaker 04

  That's crazy statement.

• 15:54Speaker 03

  What do you mean not yet?

• 15:54Caleb Hammer?

  I was gonna say, what's the people that touch the kids the most? Usually they wear that.

• 15:58Speaker 04

  That's crazy. Don't blast for me, my God, like that. That's crazy.

• 16:03Caleb Hammer?

  I'm a believer myself, but come on, Catholic priests, they love to get in there.

• 16:07Speaker 04

  That's a myth. That's a myth.

• 16:08Caleb Hammer?

  That's a myth.

• 16:09Speaker 03

  That's actually true. That's actually true.

• 16:10Caleb Hammer?

  Very true.

• 16:11Speaker 03

  That's true. But that's what like, like every religion has.

• 16:14Speaker 04

  Catholic, so I don't know.

• 16:15Speaker 03

  Does stuff like that though.

• 16:16Caleb Hammer?

  Oh yeah. Have you seen the Muslims? They love their child brides.

• 16:19Speaker 03

  It's not.

• 16:20Caleb Hammer?

  But I mean, that one, they're also, but also that was just a joke.

• 16:24Speaker 04

  Yeah, sure.

• 16:25Speaker 03

  Real funny.

• 16:26Caleb Hammer?

  I laughed inside.

• 16:27Speaker 04

  Wait till you find out what I actually am.

• 16:28Caleb Hammer?

  Black.

• 16:29Speaker 04

  Jewish.

• 16:35Caleb Hammer?

  Your hair is curly.

• 16:36Speaker 04

  Yeah.

• 16:37Speaker 03

  He's very proud of that too.

• 16:39Speaker 04

  I'm, I'm 37%.

• 16:41Caleb Hammer?

  Why are you wearing Christian wear?

• 16:42Speaker 04

  You, uh, you're Jewish, right?

• 16:44Caleb Hammer?

  No.

• 16:44Speaker 04

  You, you don't have any Jewish heritage?

• 16:46Caleb Hammer?

  No.

• 16:46Speaker 04

  None.

• 16:47Caleb Hammer?

  So it surprises people, but no, this is a perm.

• 16:49Speaker 04

  Interesting.

• 16:50Caleb Hammer?

  Yeah.

• 16:50Speaker 04

  Yeah. Like you don't have any Jewish lineage in your family at all?

• 16:53Caleb Hammer?

  Not according, no, no one in my family and not according to like my ancestry DNA.

• 16:58Speaker 04

  Oh, really? You did ancestry and it didn't come back? That's what I did mine on. So I mean, that I wasn't raised Jewish or, you know.

• 17:04Caleb Hammer?

  Yeah, I got some, uh, British person in there and then lots of native.

• 17:10Speaker 04

  Interesting.

• 17:10Caleb Hammer?

  Well, 25% native.

• 17:11Speaker 04

  Yeah. 37% Jewish. So.

• 17:13Speaker 05

  Don't care. Still don't care. I don't care.

• 17:16Speaker 03

  What was I? Cause I took the test too.

• 17:18Caleb Hammer?

  No one actually gives a, I'm going to be honest. Uh, just a fun fact. Literally no one out there cares. So if you guys.

• 17:25Speaker 04

  They do care. They care if you're black. They care if you're black.

• 17:28Caleb Hammer?

  No one cares that you're black.

• 17:29Speaker 04

  If you're black.

• 17:30Caleb Hammer?

  No, they care if you're trashy. Same with your white, but no one actually gives a, yeah, I'm sure a couple, a couple of French freaks care. But who gives a, okay. As long as you just like behave like a normal person, no one really gives a shit. By normal, I just mean like, just don't be trashy.

• 17:48Speaker 04

  You just refer to, you refer, you refer to them as your black employees.

• 17:51Caleb Hammer?

  Yeah. When I make a joke and then Reddit freaks out, but that's what Reddit does. Are you fucking Reddit or a little pussy bitch?

• 17:56Speaker 04

  People care when you're black. People care when you're black.

• 17:58Caleb Hammer?

  What do you mean? Huh?

• 18:00Speaker 04

  People care when you're black. Everybody, everybody cares when you're black.

• 18:04Caleb Hammer?

  You care that he's black?

• 18:05Speaker 03

  I like that he's black.

• 18:06Caleb Hammer?

  Yeah. Big dick. Okay.

• 18:08Speaker 04

  Yeah, I got that part. That, yeah.

• 18:12Caleb Hammer?

  I'm sure I don't think everyone does. We were headed towards a nice colorblind society. Then people started freaking out.

• 18:18Speaker 04

  Thanks Obama.

• 18:20Speaker 04

  Just kidding.

• 18:21Caleb Hammer?

  Okay, I don't know. I was thinking more like the fucking.

• 18:24Speaker 04

  Matter thing. That was when the whole black lives matter and like racism came a thing, you know, so.

• 18:29Caleb Hammer?

  What does that have to do with how you guys don't budget correctly? I'm confused.

• 18:32Speaker 04

  Well, you said we were going towards a whole colorblind society, so.

• 18:35Caleb Hammer?

  No, that's not, that's not how we got on the topic.

• 18:38Speaker 04

  Yeah, how did we get on the topic?

• 18:40Speaker 03

  I think we were talking about the birth situation.

• 18:42Caleb Hammer?

  No, I'm just like, if you guys sit down every month, how are your numbers wrong?

• 18:47Speaker 04

  I don't, I just.

• 18:48Speaker 03

  We just started budgeting though, like we, we just started budgeting in May.

• 18:52Caleb Hammer?

  Few months ago. So we're sitting down now, how are your numbers wrong? Cause you're budgeting.

• 18:58Speaker 03

  Well, we did, we did get a car this past weekend.

• 19:02Caleb Hammer?

  If you would know your numbers.

• 19:03Speaker 03

  Well, I don't need to know my numbers.

• 19:05Caleb Hammer?

  Why? He tells you the numbers. You would know the numbers.

• 19:07Speaker 03

  Well, yeah, I was, I thought it was twenty two.

• 19:10Caleb Hammer?

  So you guys don't know the numbers?

• 19:12Speaker 04

  I'm sure we don't know the numbers. We don't know the numbers.

• 19:14Speaker 03

  What he's telling me.

• 19:15Speaker 04

  You, you guys have better numbers than I guess we calculated.

• 19:20Caleb Hammer?

  Yes, we use the calculator.

• 19:21Speaker 04

  Well, so did we. So did we. We went line by line on everything, on every statement that we had, we went line by line. Um, I mean, we have the last.

• 19:29Speaker 03

  We went through every transaction.

• 19:31Caleb Hammer?

  More than he made and your debt is tens of thousands of dollars higher than he thought. That's not just like a oops.

• 19:36Speaker 04

  No, the debt I didn't realize was that high. I don't know.

• 19:39Caleb Hammer?

  No shit. That's what I'm saying. You don't know your numbers. So how long have you guys been together?

• 19:45Speaker 03

  Two years.

• 19:46Caleb Hammer?

  Okay, okay. When's the marriage?

• 19:50Speaker 03

  Hmm, we want to do it next year, but we want to do it.

• 19:53Caleb Hammer?

  Okay, so.

• 19:54Speaker 03

  Out of the country. So that's why we want to budget for that.

• 19:57Caleb Hammer?

  Why?

• 19:58Speaker 03

  Because it's cheaper and it's nicer. Yeah.

• 20:01Caleb Hammer?

  Travel?

• 20:02Speaker 03

  Yeah.

• 20:02Speaker 04

  Yeah.

• 20:03Caleb Hammer?

  I guess if everyone else is paying for their own things. Okay, so what is your role in the finances of this household?

• 20:12Speaker 03

  Um, well, he basically brings in the money and he just lets me know.

• 20:18Caleb Hammer?

  Did until like having birth, by the way, you also contributed.

• 20:22Speaker 03

  Well, the money that I made was my money. Well, it was our money, but I didn't spend the money that I was working for.

• 20:29Speaker 04

  So she would only, she would basically only work to have money to spend. Like since we met, I've taken care of all of like the bills, the rent.

• 20:37Speaker 03

  I have contributed like a handful of times.

• 20:39Speaker 04

  There's been a few times, sure, but for the majority of the situation.

• 20:43Speaker 03

  Yeah, he has taken care of it.

• 20:45Speaker 04

  She does not, she does not go for fifty fifty relationships. That was like a big thing at the beginning of our relationship. She did not want to be fifty fifty. As far as finances go, she wasn't going to go for that, so.

• 20:55Caleb Hammer?

  That's fine. If you guys are on the same page, I don't really care.

• 20:58Speaker 03

  We weren't, but I kind of made him.

• 21:03Caleb Hammer?

  But you're okay with it?

• 21:05Speaker 04

  I mean, yeah, we've evolved into something that makes sense now, but at first I wasn't like, we were like two or three months dating and I was like, yo, you like, we should split some things, you know what I mean? And she was like, no, if that's the case, I don't want to be with you, so.

• 21:18Speaker 03

  Yeah.

• 21:19Caleb Hammer?

  Okay, do you have access to his account, which I think is the main account now?

• 21:23Speaker 03

  I, there's transparency when it comes to like what he spends on and what I spend on. I don't like have.

• 21:30Caleb Hammer?

  How do you get the money?

• 21:31Speaker 03

  He sends it to me.

• 21:32Caleb Hammer?

  He sends you money? So it's like an allowance. Why don't we have like a joint account? That's weird.

• 21:36Speaker 04

  So.

• 21:38Caleb Hammer?

  You didn't want to be fifty fifty. I'm fine with that. So let's get into a joint. You already have a kid. You know, you're going to get married. You already rushed that step. May as well just go all the way.

• 21:44Speaker 04

  Yeah, there's a few reasons. There's a reason we don't have a joint account and that's one reason being is because we don't want to have all of our money in one place. If there was like an issue with like somebody getting hacked, like one of my friends, he got hacked recently and like somebody stole like fifty thousand dollars out of his account, right? So it's like, I don't want to have all my money in one account. Also.

• 22:01Caleb Hammer?

  Saying that, but have a joint account where the spending is coming from.

• 22:03Speaker 04

  Right. That is what happens right now. So all of our bills, all of our spending.

• 22:06Caleb Hammer?

  Okay, so you do have access to the account.

• 22:08Speaker 04

  Well, she doesn't have like the login to my PNC, but like we sit down.

• 22:11Speaker 03

  My own bank accounts and he sends me money every week.

• 22:14Caleb Hammer?

  So it's not a joint account. You send her money. Why isn't there a joint account where the spending is done? You just said that's what happens. And then she's like, no, he sends me money. There's a complete disconnect.

• 22:23Speaker 04

  So we both have a PNC account. We both have a Chime account.

• 22:26Caleb Hammer?

  Great. Why don't you have a joint account where the money is going in and out of?

• 22:28Speaker 04

  That's what we have, because only I make money.

• 22:30Caleb Hammer?

  Said you send her money though.

• 22:32Speaker 04

  I do, yeah.

• 22:34Speaker 03

  What are you not understanding?

• 22:35Speaker 04

  She has her own spending account. And she has her own savings account.

• 22:40Caleb Hammer?

  But you, do you have access to the joint?

• 22:43Speaker 03

  No.

• 22:44Caleb Hammer?

  Then how's it a joint?

• 22:45Speaker 04

  Because what does she need access to it for? What does she need access?

• 22:48Caleb Hammer?

  It's not a joint if she doesn't have access.

• 22:51Speaker 04

  All of, all of our bills come out of that account, like that's.

• 22:54Caleb Hammer?

  But it's not joint.

• 22:55Speaker 03

  Well, yeah, technically I don't have access to it.

• 22:58Speaker 04

  She has, she knows my login information, like she can log in if she wants to.

• 23:01Caleb Hammer?

  Oh, so she has access?

• 23:02Speaker 04

  Yes, if she wants to log in.

• 23:03Caleb Hammer?

  You just said she didn't have access.

• 23:05Speaker 04

  She does have access. She doesn't like log in on her.

• 23:08Speaker 03

  On my phone. Like if I wanted to check the, the, his bank account, I can go.

• 23:13Caleb Hammer?

  Could get in if you wanted.

• 23:15Speaker 03

  Yeah, yeah, yeah, yeah.

• 23:16Caleb Hammer?

  That's different. Okay.

• 23:17Speaker 04

  Like if she was like, can I check your bank account right now? She can take my phone and she has all the login information. It's just the spending account is on my phone.

• 23:25Caleb Hammer?

  Okay, and why do you want your own account specifically? Separate.

• 23:30Speaker 03

  Um, I think it's more like a security thing for me, because like.

• 23:34Caleb Hammer?

  Security. You guys already have a kid.

• 23:36Speaker 03

  I understand that, but like in like a year ago or two, our relationship was like super rocky. So like I wanted to.

• 23:44Caleb Hammer?

  I thought you said two years.

• 23:45Speaker 03

  Yeah. Like we just, like our relationship.

• 23:48Caleb Hammer?

  You guys met and it was rocky?

• 23:51Speaker 03

  We met and like on our fourth date, we like, I moved in with him, basically. I moved into his mom's house.

• 23:58Caleb Hammer?

  The best.

• 23:59Speaker 03

  I, it worked out.

• 24:01Speaker 04

  It was rough. It worked out, but it was rough.

• 24:02Speaker 03

  Yeah, it was rough.

• 24:03Caleb Hammer?

  Okay, well, I understand that being a bit. Rocky at the beginning, but why was it rocky a year ago?

• 24:10Speaker 03

  Um.

• 24:12Caleb Hammer?

  Not trust him enough to have a account with him. Have your own. Yeah, what was it rocky a year ago?

• 24:17Speaker 03

  Um, we were just arguing a lot and there was like a lot of about, about like finances, because like up until a year ago, he was kind of still on the edge about like, being the provider and me like staying at home and spending the money. Um, and there was also like some infidelity happening a year ago.

• 24:36Caleb Hammer?

  Dude, what is with everyone and infidelity? Was either open up the relationship or leave? Why are we, who infidelled?

• 24:46Caleb Hammer?

  Well, you look more like someone who would scream infidel.

• 24:48Speaker 04

  What? Look, look more like what?

• 24:51Caleb Hammer?

  I already said it.

• 24:51Speaker 03

  Cheat?

• 24:53Caleb Hammer?

  As it was you.

• 24:54Speaker 04

  So there's, it was, yeah, I was at a bachelor party. I was in Colombia, South America and um, we went to a strip club and there was, yeah, there was some extracurricular activities. So.

• 25:04Caleb Hammer?

  You the stripper of the strip club?

• 25:05Speaker 04

  No, I didn't.

• 25:06Speaker 03

  No, no, he didn't.

• 25:08Caleb Hammer?

  I thought you said he cheated.

• 25:09Speaker 03

  He got a blowjob from a.

• 25:11Caleb Hammer?

  Oh, that would be a cheating.

• 25:13Speaker 04

  Yeah.

• 25:13Caleb Hammer?

  She blew you in the strip club?

• 25:14Speaker 04

  Yeah.

• 25:15Caleb Hammer?

  Not afraid of AIDS?

• 25:16Speaker 04

  No, it was, there was a condom. There was a condom.

• 25:19Caleb Hammer?

  Blowjob with a condom on? What are we even doing?

• 25:21Speaker 03

  I thought the same thing. I thought the same thing, but he did, I did make him go get tested.

• 25:25Caleb Hammer?

  Fair enough. Uh, dude, you're with her. You guys aren't, were you open?

• 25:29Speaker 03

  No.

• 25:30Caleb Hammer?

  You guys weren't open? Why are you getting a blowjob from a? What are we doing? Aren't you, look at you, you're cross, two crosses, double cross, you're double crossed. And you're getting a blowjob from a.

• 25:40Speaker 04

  Yeah, so those, that was, um, that was a bad time.

• 25:44Caleb Hammer?

  Oh, was it? Yeah. Why'd you get a blowjob from a? We'd answer that.

• 25:47Speaker 04

  I.

• 25:48Caleb Hammer?

  You know, that would create trust issues uh, on my end as well. So I understand that.

• 25:52Speaker 04

  I, I was at a bachelor party. There was a lot of things.

• 25:55Caleb Hammer?

  That's wonderful.

• 25:56Speaker 04

  There were a lot of, um.

• 25:59Speaker 04

  There, there's a lot of alcohol. There was a lot of other things that you get in Colombia, South America that you.

• 26:04Caleb Hammer?

  You were snorting.

• 26:05Speaker 04

  I don't know. I can't confirm or deny that.

• 26:06Caleb Hammer?

  Of course. So why does that equal you getting a blowjob? I'm confused. Are you paying more than fifteen bucks a month for your cell plan? One hundred, one fifty, two hundred dollars. Congrats, you're paying a vanity tax. Mint Mobile has everything the big carriers have, except the upcharge. And right now they're offering you an unlimited everything for just fifteen dollars a month. Any plan with five G that covers ninety eight percent of Americans. Worried about a nasty breakup? You can make the switch online. No store, no salesperson, no awkward silence. Bring your unlocked phone and keep your number. Their seven day money back guarantee means there is zero risk. Stop overpaying for wireless just because. That's how it's always been.

• 26:48Caleb Hammer?

  Switch to Mint and get three, six, or twelve months of premium wireless for fifteen dollars per month. That's any plan, even unlimited. Shop plans at mintmobile.com/hammer. Now, back to the disaster at hand.

• 27:03Speaker 04

  I was just bad decisions. Black, you know, blacked out in the strip club and made bad decisions. So, I mean, we've all been.

• 27:09Caleb Hammer?

  Whoa, whoa, whoa. So what? Happen then? How'd you find out? Well, like, what the?

• 27:13Speaker 03

  So, um, he went to The Bachelor in Columbia and basically before he left, I had the conversation with him and I'm like, I'm okay with you, like, having fun. I want you to have fun. Just don't, like, go out, like, um, at night, just like go bar hopping, have a drink, just like-

• 27:32Caleb Hammer?

  You're good with the snort?

• 27:34Speaker 03

  I was not. I didn't know he was doing that, um, until like I was working at that time and he wasn't answering the phone.

• 27:41Caleb Hammer?

  What a good religious man.

• 27:43Speaker 03

  And, um, he basically, he was texting me-

• 27:47Speaker 04

  I wasn't at the time. I actually was not at all at the time.

• 27:50Caleb Hammer?

  Big convert this year.

• 27:52Speaker 03

  He, like, texted me-

• 27:53Speaker 04

  This is last year.

• 27:54Speaker 03

  And I was like, why aren't you answering the phone? He was basically like, yeah, you can't believe it. Like, I, there was just a bunch of crazy stuff happening. And I'm like, well, okay, I'm not really like, okay with that, but I'm guess if you're having fun, then that's fine. But then, that, that day, other stuff happened, which was the stripper thing. Yeah. And he didn't tell me that over the phone. He waited until he got home and he like, opened up about it. He was like, hey, I don't feel good about this. I just want to like come clean and be honest with you.

• 28:26Speaker 04

  The day I came back from the trip. So it wasn't, there was no like-

• 28:29Caleb Hammer?

  And what happened?

• 28:31Speaker 03

  I, like, at first, like, it was a shock to me, cause like, um, before I met him, I was like, I had zero trust in men, cause like, I didn't grow up with a father. I've been, I've been in abusive relationships before. So like, I was like, yeah, all men are the same until-

• 28:49Caleb Hammer?

  Explains the forehead.

• 28:50Speaker 03

  Until, this was actually, this was actually a pool accident when I was younger.

• 28:55Caleb Hammer?

  Self abuse.

• 28:56Speaker 03

  Um, but yeah, so basically when I met him, he like, kind of changed my perspective. So when that happened, I was like, oh, well, this freaking sucks. And it took a lot of-

• 29:08Caleb Hammer?

  Wait, that's not what I, come on, they're, they just typed me what happened.

• 29:11Speaker 03

  What do you mean?

• 29:11Caleb Hammer?

  You argue about the stripper and you've hit him.

• 29:15Speaker 03

  Did I hit you?

• 29:16Speaker 04

  She did hit me.

• 29:17Caleb Hammer?

  Yes!

• 29:18Speaker 04

  She did hit me.

• 29:19Speaker 03

  I, I mean, deserved.

• 29:20Caleb Hammer?

  Oh, we talked about it and you know, it resolved. Bam!

• 29:24Speaker 03

  Well deserved. I think it's well deserved.

• 29:26Caleb Hammer?

  Well, I, yeah, okay. What if, what, what if a man did that to a woman? Would you say the same thing?

• 29:31Speaker 03

  I do not condone violence.

• 29:33Caleb Hammer?

  You just said it was deserved.

• 29:35Speaker 03

  But he, he had a, like, he got a blowjob from a stripper.

• 29:37Caleb Hammer?

  That's a bad thing. Usually we like, leave someone, take a break, or I don't know.

• 29:41Speaker 03

  He got a blowjob from a stripper. What, on our first year anniversary, mind you, hold on.

• 29:46Caleb Hammer?

  If she took a dude's dick, if she blew a dude with a condom on, sure. And you punched her, would that be deserved?

• 29:52Speaker 04

  Would it be deserved?

• 29:54Caleb Hammer?

  Punch her and I would know.

• 29:54Speaker 03

  He probably wouldn't have hit me though.

• 29:56Caleb Hammer?

  The double standard is crazy.

• 29:58Speaker 03

  You probably would have, yeah.

• 29:59Speaker 04

  You're crazy. When have I ever given you any inclination that I would put my hands on you?

• 30:04Speaker 03

  You, well, and at the beginning of our relationship, you have like gone in my face. And that's why I hit him because he does-

• 30:10Speaker 04

  That is so crazy.

• 30:11Speaker 03

  He does scream in my face.

• 30:11Speaker 04

  Please flush that out.

• 30:13Caleb Hammer?

  Yeah, please flush that out.

• 30:14Speaker 04

  What are you talking about? I would get in your face. I've given you any inclination, I'll put my hands on you.

• 30:18Speaker 03

  At the beginning, yeah.

• 30:20Caleb Hammer?

  What, what happened?

• 30:20Speaker 03

  Because we'd get, we'd get into screaming matches and he would get in my face. And like I said, I have, like, at the beginning, I was like, I've been in this situation before. I don't-

• 30:31Caleb Hammer?

  Like, how close?

• 30:32Speaker 03

  He would get like really close.

• 30:34Caleb Hammer?

  Yelling? About what?

• 30:36Speaker 03

  We would just argue about stupid shit and then he would like get all fed up.

• 30:39Caleb Hammer?

  Face, that's scary.

• 30:40Speaker 04

  So no, there's one situation, there's no, one particular situation she's talking about. We were sitting in the car. So I'm in the driver's seat. She's in the passenger seat. That's as close as we were to each other. So pretty much like how we're sitting across from each other at the table. And we got, we started to fight. We were screaming at each other. And I did something like this with my arm. I like, put my arm up. And she basically was like, don't put your fist in my face. And I was like, I didn't put my fist in her face. I literally talk with my hands. Like, I do this a lot.

• 31:08Caleb Hammer?

  Yeah, but she's been abused in the past. I guess, or something, I don't know.

• 31:12Speaker 04

  Yeah, so, I don't, I, I don't want to talk about other women's pasts. You know what I'm saying? And so like-

• 31:18Caleb Hammer?

  Women's past?

• 31:18Speaker 04

  Yeah.

• 31:19Caleb Hammer?

  She's not other women.

• 31:20Speaker 04

  I mean, in general, you don't talk about their past. That's, that's her business. You know what I mean?

• 31:24Caleb Hammer?

  I talk about everything.

• 31:25Speaker 04

  I'm just, when I do this, if I talk like this, would you think that I'm gonna hit you?

• 31:29Caleb Hammer?

  Uh, if you were right here, I'd be a little nervous.

• 31:31Speaker 04

  Right here, no.

• 31:32Caleb Hammer?

  Especially if I've been hit in the past.

• 31:33Speaker 04

  That's not the case. That's not the case. And you're playing it up right now.

• 31:37Speaker 03

  I don't, I don't think so. Because like, I, I've actually told you, like, when I hit you, that sound-

• 31:43Caleb Hammer?

  Double standard.

• 31:44Speaker 04

  That's what I'm saying. Who, have I ever hit you?

• 31:46Speaker 03

  No, you haven't hit me.

• 31:47Speaker 04

  How many times have you hit me?

• 31:49Caleb Hammer?

  How many times have you hit him?

• 31:50Speaker 04

  How many times have you hit me?

• 31:51Speaker 03

  How many times have I hit you?

• 31:52Speaker 04

  Like, two or three times.

• 31:53Speaker 03

  That is not true.

• 31:54Speaker 04

  Straight punched me in the face.

• 31:55Speaker 03

  That is not a punch, no.

• 31:57Speaker 04

  Swear? I swear on everything.

• 32:00Speaker 03

  I would not punch him. I slapped him. I did slap him.

• 32:03Caleb Hammer?

  That's a thing.

• 32:03Speaker 04

  No.

• 32:04Speaker 03

  Yeah, it's not a punch though.

• 32:05Caleb Hammer?

  Have you seen my girlfriend have gotten in an argument? I've never gotten in her face and she's never hit me.

• 32:08Speaker 04

  She's closed fist me two or three times.

• 32:10Caleb Hammer?

  That's insane.

• 32:11Speaker 03

  That is not true.

• 32:12Caleb Hammer?

  Double standard. Hey, just because you've had bad relationships, you don't know how to throw. You can do this without knowing how to.

• 32:19Speaker 03

  My, I'm like, no, I've slapped him. I've slapped him and I will own up to that.

• 32:22Caleb Hammer?

  Roseanne, you closed fist. I, I believe him. I believe you that he got in your face.

• 32:27Speaker 04

  She closed fist me twice and maybe slapped me once, but I know she closed fist me twice at least.

• 32:31Caleb Hammer?

  That's crazy. That is a double standard. Just because you had bad situations in the past doesn't mean you get to punch someone.

• 32:35Speaker 03

  But I was really hurt. I mean-

• 32:38Caleb Hammer?

  So? And then he was physically hurt? Flip this. If a guy said that same thing-

• 32:43Speaker 03

  I understand that, I understand that. But like, also, he has gone in my face and like, I'm trying to defend myself from a huge black dude.

• 32:51Caleb Hammer?

  We're saying it's defense. Hold-

• 32:54Speaker 00

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

• 33:19Caleb Hammer?

  Why is it black guys?

• 33:21Speaker 04

  Did you say that?

• 33:21Speaker 03

  He's, he's intimidating.

• 33:23Speaker 04

  That's crazy.

• 33:24Caleb Hammer?

  Cause he's black?

• 33:25Speaker 03

  Because he's big.

• 33:26Caleb Hammer?

  You said big black dude.

• 33:28Speaker 04

  That's crazy.

• 33:29Speaker 03

  He, isn't, is he not black?

• 33:31Caleb Hammer?

  He is, but why was that even a part of why you're intimidated?

• 33:34Speaker 03

  Because he, I, I don't know. He's just big and-

• 33:38Caleb Hammer?

  Is he statistically more likely to hit you, you say?

• 33:41Speaker 03

  I did not say that.

• 33:42Caleb Hammer?

  I mean-

• 33:43Speaker 03

  You said that.

• 33:44Caleb Hammer?

  Numbers, numbers.

• 33:46Speaker 04

  I'm just saying, there's only one person in this relationship that's gotten-

• 33:49Caleb Hammer?

  Yeah, very true. And it happens to be a black man. You are a minority beater.

• 33:54Speaker 04

  She's Latina, so I mean, I knew what I was walking into.

• 33:57Caleb Hammer?

  Fifty percent of the world is these days, I swear.

• 33:59Speaker 04

  That's true.

• 33:59Caleb Hammer?

  At least my company's like 90%. So that means nothing. You just look like America now.

• 34:04Speaker 04

  That's, that's very true.

• 34:05Speaker 03

  Really?

• 34:05Speaker 04

  Our daughter is the most American, you know, a little bit of everything.

• 34:09Speaker 03

  She's beautiful.

• 34:09Caleb Hammer?

  Okay, so you punch men. But, okay, how did it get resolved though? Cause yes, I understand if you went, trust issues, you open this bank account. That makes sense. I mean, I kind of get that. So-

• 34:21Speaker 04

  So she had her own bank account when we met. And then basically, um, there was a lot of discussions about 50/50 and my whole thing was especially after the infidelity. I wanted to make sure that she felt secure in the ability to leave whenever she wanted. So it was important to make sure that she had enough money to be able to leave. If she wanted to leave, that way, it was never a situation of, oh, I'm trapped here, whatever, stuck, I can't leave. You know what I mean?

• 34:45Caleb Hammer?

  Yeah, I, I do get that. So, okay, the shooting happened, you hit him, but then what? Over the course of the next days, weeks, like, how is this resolved? I'm curious. That is egregious.

• 34:56Speaker 04

  Yeah, it was, it was, it was very, uh, it was tough. I, we, um, you know, I obviously admitted to my wrongs. I was like, I, you know, we, I want to go to therapy. I'll do whatever this takes. And I'm, I know-

• 35:07Caleb Hammer?

  And you though?

• 35:08Speaker 03

  It was really hard.

• 35:10Caleb Hammer?

  Yeah. I mean, well, he was when this-

• 35:13Speaker 01

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

• 35:44Caleb Hammer?

  Full lip in him.

• 35:45Speaker 03

  Yeah. Um, it was, it was really hard. Um, there was a lot of trust issues. It really did mess with my mental health too. Um, again, because of my past relationships.

• 35:58Caleb Hammer?

  Yeah, but I'm just talking about y'all's relationship. Like, when did it get, did it, when did it get to normal? Do you trust him today?

• 36:04Speaker 03

  I do.

• 36:05Caleb Hammer?

  Okay, when did you get that back?

• 36:07Speaker 03

  I think when-

• 36:09Caleb Hammer?

  It's impressive.

• 36:10Speaker 03

  It, it, it went away, like, probably like a year after that. I don't-

• 36:16Caleb Hammer?

  That'd be like now.

• 36:17Speaker 03

  Well, no, technically not, because, well-

• 36:20Caleb Hammer?

  It was like a year ago, you said.

• 36:21Speaker 03

  We met in 2024 and that happened. Wait, when, when did that happen?

• 36:26Caleb Hammer?

  No, no, you said like a year ago. So, okay, fine. Maybe it's a year and a half. But either way, what if he needs to go on, what, what if he's on another bachelor trip?

• 36:33Speaker 03

  He's not going.

• 36:34Caleb Hammer?

  You're just not allowed to go on bachelor trips. No best friends.

• 36:38Speaker 04

  No, no bachelor trips. That was one of the-

• 36:40Caleb Hammer?

  So you do not trust him?

• 36:42Speaker 03

  I don't think it's a trust thing. I think it's more of like a respect thing. I think it's more of like a respect thing.

• 36:48Caleb Hammer?

  Well, it'd be respectful for him to just not do that next time he's on a bachelor trip. So you don't trust him to be able to go on a bachelor trip. You don't respect him, you don't trust him to go on another bachelor trip.

• 36:59Speaker 03

  I don't-

• 36:59Caleb Hammer?

  Cause a respectful thing would be him to show for his like- Best boy, you know?

• 37:04Speaker 03

  Well, his best boy already got married. He doesn't have

• 37:06Caleb Hammer?

  He gets another one throughout his life. He's young.

• 37:08Speaker 03

  He's no, he's not going.

• 37:10Caleb Hammer?

  Okay, so you don't trust him?

• 37:13Speaker 04

  If there were to be a situation like that, I think it would be more like there's just

• 37:18Speaker 03

  If he wants to go abroad for a bachelor, I would go with him.

• 37:21Caleb Hammer?

  Doesn't even have to. Well, that's crazy. No, no, but you're just what?

• 37:25Speaker 03

  Yes.

• 37:26Caleb Hammer?

  So you don't trust him?

• 37:27Speaker 03

  I do trust him.

• 37:28Caleb Hammer?

  No, you don't. That's not trusting. Can he go to a strip club with his boys tonight?

• 37:31Speaker 03

  No.

• 37:32Caleb Hammer?

  Then you don't trust him.

• 37:33Speaker 03

  He's not going.

• 37:34Speaker 04

  I wouldn't go to a strip club.

• 37:35Caleb Hammer?

  I get that. That wasn't the question.

• 37:38Speaker 03

  If he were to ask me if he can go to a strip club, no. And if that

• 37:41Caleb Hammer?

  Why? What's the answer? What's the, what's the why?

• 37:43Speaker 03

  Because he

• 37:45Caleb Hammer?

  Got headed to a strip club?

• 37:46Speaker 03

  Yeah.

• 37:47Caleb Hammer?

  So you don't trust him?

• 37:48Speaker 03

  Okay, fine, I don't. In that, in that area, I don't.

• 37:50Caleb Hammer?

  Which is fair. I'm not even saying that's not fair. But when you say you fully trust him now, clearly not.

• 37:55Speaker 03

  I didn't say I fully trust him. I said that. No, I didn't. You

• 37:57Caleb Hammer?

  You said you trust him.

• 37:59Speaker 03

  I do. There's, there's different levels of trust. Like, if he's not going to another bachelor trip, that doesn't mean that like

• 38:08Caleb Hammer?

  Well, you never, okay, so on the show, like historically, we've had people do like revenge. You didn't revenge cheat.

• 38:14Speaker 04

  She, she technically cheated first.

• 38:16Speaker 03

  I didn't.

• 38:17Caleb Hammer?

  Oh, first?

• 38:19Speaker 04

  Yeah, technically.

• 38:20Caleb Hammer?

  Well, you cheated. Why? What is? Why is everyone on the show cheating?

• 38:24Speaker 04

  Technically.

• 38:24Speaker 03

  Before he, before he tells the story, I did not have sex with anybody. I did not, I did not give

• 38:29Caleb Hammer?

  Well, neither did he. You got a blowjob.

• 38:31Speaker 03

  I did not do anything with anybody.

• 38:33Caleb Hammer?

  You said technically?

• 38:34Speaker 04

  Technically didn't have sex with anybody.

• 38:35Speaker 03

  I did not have sex with anybody. He had, he

• 38:38Caleb Hammer?

  You soaking? What?

• 38:39Speaker 03

  What?

• 38:40Caleb Hammer?

  No, he said technically didn't have sex.

• 38:41Speaker 03

  I didn't have sex with anybody. He had, he had physical contact with another person and a strip. Just let me just put that there. A strip, which is gross. And it's like, it was, yeah.

• 38:52Speaker 04

  So we, we'd been together for maybe two months at this point, going on three.

• 38:57Caleb Hammer?

  Oh, that was a while ago. Well, you did say she did it first.

• 38:59Speaker 04

  First, yeah. And the whole thing was is that at this point, she didn't want to be 50 50. She wanted me to financially support her, which I was doing everything to do that. And then

• 39:07Caleb Hammer?

  Two months in, that's kind of crazy.

• 39:09Speaker 04

  It was crazy. And I was like

• 39:10Caleb Hammer?

  Crazy. That's a gold digger.

• 39:12Speaker 03

  I don't think so.

• 39:12Caleb Hammer?

  Two months in, that's wild. That is gold digger level.

• 39:15Speaker 03

  As a man who's trying to court you? No.

• 39:19Speaker 00

  This episode is brought to you by Google Chrome. You think you know a browser, but Gemini and Chrome, that's new. It can help you with practically anything on the web, like restoring a vintage motorcycle from a 50 page restoration 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 required compatibility and availability varies 18 plus.

• 39:43Speaker 03

  I don't think that I should be

• 39:44Caleb Hammer?

  Who the fuck are you?

• 39:46Speaker 03

  A man that you haven't like, what is your strategy when it comes to like dating women?

• 39:51Caleb Hammer?

  You date, you get to know them. Once you're in a deep, serious relationship, then we can have those conversations. You were two months in.

• 39:56Speaker 03

  No, I don't.

• 39:56Speaker 04

  But to be fair

• 39:57Caleb Hammer?

  You are not a high valued woman. You are a person, a birthing person.

• 40:01Speaker 03

  I've never said

• 40:02Speaker 04

  To her credit, she moved out to Texas with me two months in.

• 40:05Speaker 03

  I have never said that I'm high value.

• 40:06Speaker 04

  We like, she had like

• 40:07Caleb Hammer?

  Well, you clearly think you're entitled to something two months in for him to completely take care of you.

• 40:11Speaker 03

  I think that men and women have roles.

• 40:13Speaker 04

  It wasn't even just about

• 40:14Caleb Hammer?

  Oh, this is finance. This isn't 1950. It's a dual income household.

• 40:18Speaker 03

  We're not talking about finances right now. We're talking about

• 40:20Caleb Hammer?

  We are. When it comes to, you expected him to fully take care of you financially.

• 40:24Speaker 03

  I didn't expect him to fully take care of me.

• 40:26Caleb Hammer?

  That's what he was to say.

• 40:27Speaker 04

  So look, she quit, so she quit her job. She quit her job and she moved out to Texas with me.

• 40:31Caleb Hammer?

  Yeah, get another job.

• 40:32Speaker 03

  Because he told me to. And I did.

• 40:34Speaker 04

  Hold on, hold on. And then even when we were out in Texas, I was still taking care of her. She didn't have to pay for anything, right? We were laying in bed one morning. She gets a phone call and she like, looks really scared and she hangs up and then they call right back. And I was like, I take the phone and I answer. I'm like, yo, who is this? And she's like, looking really nervous and scared. And there's this dude, he's basically like cussing me out. It was like, tell her to give me my money back, tell her to

• 40:58Caleb Hammer?

  Money back?

• 40:58Speaker 04

  Yeah, get, get, I tell her to give me that necklace back and like all this crazy stuff. And, you know, all the purses I bought her. And I was like, like, basically, I, you know, was told the dude to fuck off. And I was like, what is this? And she was like, oh, I don't know. I don't know. And I was like

• 41:14Speaker 03

  I, I told you.

• 41:15Speaker 04

  No, you didn't tell me at first. I had to dig. No, you didn't. I had to dig it out of you. And then basically, it was this guy that she was getting money from the entire time we had been dating for the past three months. And he was like sending her money and buying her stuff and like, yeah, so that there was that situation. And like, that was my

• 41:31Caleb Hammer?

  Then you say you're not a gold digger. You're getting sugar daddied. Did she send him nudes?

• 41:38Speaker 04

  No, she didn't allegedly do anything with this guy.

• 41:40Caleb Hammer?

  She didn't allegedly?

• 41:41Speaker 03

  No.

• 41:41Speaker 04

  Yeah, I don't know. But she allegedly, because look, this is the whole situation.

• 41:45Caleb Hammer?

  It's a while ago. That conversation doesn't exist anymore on your phone, does it?

• 41:48Speaker 03

  No.

• 41:49Speaker 04

  And it doesn't even, it doesn't even, no, hold on. It doesn't even matter because the fact of the matter is, is it doesn't, like, if she was doing something physically with him, that's one thing. But like, she made it clear that she did not want to do anything with him and was just entirely leading him on and was just, was just using him for the money.

• 42:05Caleb Hammer?

  And that is still cheating in a way.

• 42:06Speaker 04

  Now, mind you, I'm like, okay, so you're just using this guy for his money and he, you, you made it clear that he had no chance, but you had no problem taking his money. And I'm like, okay, so how am I going to be any different? You know what I'm saying?

• 42:18Caleb Hammer?

  So and it sounds like it because you were two months in and she was demanding all the money. And here's the thing, she says she's not a gold digger, but then the producer sent us a note from your little interview that you were telling the producers in the whole onboarding process that you love the finer things and that guys provide those things for you, like expensive gifts, a coach purse, a Dyson airwrap for $600, a Christian Dior necklace, sending you money. You love when men send you money, thousands of dollars via cash.

• 42:45Speaker 03

  Okay, okay. Men, that's, that's

• 42:48Caleb Hammer?

  That's a gold digger.

• 42:49Speaker 03

  That's a lot of men. Did not get money from a bunch of different men.

• 42:54Speaker 04

  There was two men before we met.

• 42:56Caleb Hammer?

  Two men? And then that guy while you were together? And then demanding that he takes care of your entire life two months in? That is a four person trend.

• 43:04Speaker 04

  Dude on Snapchat that you were like that. So again

• 43:08Caleb Hammer?

  Well, you betcha I'll be looking through that on the post show.

• 43:11Speaker 04

  We were, we were laying, we were laying in bed again, and, and while I was taking care of her, and there was like, I was, we were, we were about to have sex and like, she was on Snapchat and there was like, a, a message from a guy and he said something like, oh, I like the way I used to like kiss up on your neck or something like that.

• 43:31Caleb Hammer?

  Brother.

• 43:31Speaker 03

  Which was not true. Which was not true.

• 43:33Speaker 04

  So she said that nothing ever happened with this guy.

• 43:36Speaker 03

  Nothing ever happened.

• 43:37Caleb Hammer?

  Why would he? That makes no sense.

• 43:39Speaker 04

  I said, I was like, why would he say something like that if it never happened?

• 43:41Speaker 03

  Let me explain that. So

• 43:43Caleb Hammer?

  Yeah, let's see a whore try to unhore herself with the explanation.

• 43:46Speaker 03

  With the first, uh, situation with the guy that was sending me money, yes, he was sending me money.

• 43:51Caleb Hammer?

  Three.

• 43:52Speaker 03

  Of

• 43:53Caleb Hammer?

  Two before him, one during him, and then him. That's four. That's a trend. Yeah, the guy two months in when he called.

• 44:00Speaker 04

  That was the guy who called and the guy on Snapchat. Those were the two.

• 44:02Caleb Hammer?

  So two and then him. That's still a trend. Three strikes whore.

• 44:06Speaker 04

  She's not a whore. She's not a whore. She

• 44:08Speaker 03

  Okay.

• 44:08Caleb Hammer?

  She's converted over the last year.

• 44:11Speaker 03

  Yeah, he was sending money. I, he was an ex coworker of mine. He got fired from

• 44:15Caleb Hammer?

  Coworker?

• 44:16Speaker 03

  Yeah.

• 44:17Caleb Hammer?

  You were leading on a coworker?

• 44:19Speaker 03

  He was

• 44:20Caleb Hammer?

  Evil.

• 44:25Speaker 03

  He got fired from the job because he decided he wanted to threaten the store manager to beat him up.

• 44:31Caleb Hammer?

  I don't care why he was fired. It's a dude I've never met. You were leading him on.

• 44:34Speaker 03

  I'm trying to give you the context. Okay? So that's how I met him. And yes, he was sending me money because he was in love with me and I was leading him on. I can be honest about that.

• 44:43Speaker 04

  She likes toxic men because he tried to beat up the manager.

• 44:48Speaker 03

  What does that say about you then?

• 44:51Speaker 04

  I'm just saying, what does it say about you?

• 44:53Speaker 03

  Okay. Um, anyways, and he did give me a lot of gifts. He gave me a necklace and the purses and all that.

• 45:00Speaker 04

  A Christian Dior necklace that cost $3,000.

• 45:02Caleb Hammer?

  Dude, good death.

• 45:03Speaker 03

  That I, I gave away.

• 45:05Caleb Hammer?

  What were you doing with him?

• 45:06Speaker 03

  I didn't absolutely nothing.

• 45:07Caleb Hammer?

  You were leading him on somehow, though.

• 45:09Speaker 04

  She was. She made it. He thought he had a chance. He thought he had a chance.

• 45:12Speaker 03

  Yeah. I mean, we were texting. It was there. I didn't have sex with him. I didn't kiss him. I didn't, I didn't do anything with him. It was just like through text messages. And I was very clear with him that I did not want to do any of that. And he still wanted to

• 45:26Caleb Hammer?

  How much is that?

• 45:29Speaker 04

  Cussed him.

• 45:30Caleb Hammer?

  How much is it?

• 45:31Speaker 04

  I don't want to tell you that.

• 45:32Caleb Hammer?

  This is financial audit. Tell me that.

• 45:34Speaker 04

  It was like $4,000?

• 45:38Caleb Hammer?

  You're settling for that? Bro makes 200,000 hours a year and you got a 4,000 hour ring?

• 45:43Speaker 03

  It's a three carat ring.

• 45:44Speaker 04

  It's a lab grown diamond.

• 45:45Speaker 03

  And he custom made it. So it's, it's, it's

• 45:48Caleb Hammer?

  I'm sorry.

• 45:49Speaker 03

  Sentiment behind it.

• 45:51Caleb Hammer?

  If I was you and I demand the world and my man makes 200,000 hours a year and I only get a 4,000 hour ring.

• 46:00Speaker 04

  I wasn't making 200,000 dollars a year when I got that ring.

• 46:03Caleb Hammer?

  When'd you get it?

• 46:03Speaker 04

  I got that ring, what was it, like, last year?

• 46:06Caleb Hammer?

  Okay, made 100,000 hours, only got you four, he should, I would expect.

• 46:09Speaker 04

  What is, that's, how, what percentage of my income is that?

• 46:12Caleb Hammer?

  Four?

• 46:14Speaker 04

  Yeah, that's a lot.

• 46:15Caleb Hammer?

  Yeah, but rings usually go higher. I wouldn't even advocate for, above for someone like you.

• 46:18Speaker 04

  Appreciating asset? Come on now, okay.

• 46:20Caleb Hammer?

  So I'm actually with you on this, but the thing is, with her, she's a like money grabbing slut, so the reality is.

• 46:26Speaker 04

  She's not a slut. Don't talk about her like that.

• 46:28Caleb Hammer?

  That's your body. Count.

• 46:30Speaker 03

  I'm not gonna tell you that.

• 46:31Speaker 04

  I don't even, I don't know that.

• 46:33Caleb Hammer?

  She would tell me if she wasn't.

• 46:35Speaker 03

  He hasn't even asked me that. Why would I tell you?

• 46:38Caleb Hammer?

  Because he just said you're not a slut. I don't think you can prove it.

• 46:40Speaker 03

  I'm not a slut.

• 46:41Caleb Hammer?

  I, so listen, I actually don't care if you were, but the reality is, I mean, just like, I feel like she would expect more of a ring. Just based on her history of gold digging like crazy.

• 46:49Speaker 03

  I love my ring because it has sentiment behind it because he custom made it.

• 46:52Caleb Hammer?

  Well, you know, what is this, like, you told someone to make it?

• 46:54Speaker 04

  If I would, no, because if I would have bought that ring from the store.

• 46:56Caleb Hammer?

  It's a nice ring.

• 46:56Speaker 04

  It would have cost like 10,000 dollars.

• 46:58Caleb Hammer?

  It's a nice ring, it's fine. It's, it's, it's fine. Congratulations. Good job. You guys had a kid.

• 47:02Speaker 03

  And he did buy another ring that I. That I didn't.

• 47:07Caleb Hammer?

  I bet you know a lot of jewelers, Jew.

• 47:10Speaker 03

  He did buy another ring that I didn't like, so he got this one, so that contributes to the narrative, I guess.

• 47:17Caleb Hammer?

  Okay, have you been a gold digger? Kind of, I don't know, maybe a little. It's, you certainly were in the past, maybe you changed, but.

• 47:23Speaker 04

  She definitely changed a lot.

• 47:24Caleb Hammer?

  If a relationship is starting on infidelity and then infidelity halfway in. Brutal place to be at this point, and I definitely understand why there would be some trust issues, especially when it comes to something as important as money. What's the state of the household finances today? I know you make good money, but you've lifestyled, you inflated yourself clearly, and you don't even know how much debt you have. How's the communication of finances in this house? How do we communicate? You say you sit down and you tell her, what's your understanding of the finances? Maybe we should start there.

• 47:49Speaker 03

  Um, I know that he makes a lot of money and, um, I mean, he just sends me money. I don't really ask or question what he does with his money. I just mind my business with.

• 48:03Caleb Hammer?

  So you don't consider ours?

• 48:05Speaker 03

  No, it's ours.

• 48:06Caleb Hammer?

  We just said his money.

• 48:07Speaker 04

  So we sit down once a month and we go line by line on all of our.

• 48:10Caleb Hammer?

  She doesn't give, you don't give a fuck if he sends more than he makes?

• 48:13Speaker 03

  No, I do. That's why I was surprised that he made, that he spent more than.

• 48:18Speaker 04

  She does too. What do you mean? Who's, how do you think, what money do you think she spends?

• 48:21Caleb Hammer?

  Well, I don't know. She's making it sound like it's just you spending, in her words.

• 48:24Speaker 03

  He does spend a lot of money. You spend.

• 48:26Speaker 04

  I do spend a lot of money. She spends a lot of money too.

• 48:29Speaker 03

  I do, not more than you, but.

• 48:31Speaker 04

  Okay, we'll see. We'll see. The numbers will show.

• 48:33Caleb Hammer?

  What, I mean, you disagree? You think she spends more?

• 48:35Speaker 04

  Oh, I mean, I don't know if she spends more. She just, like, she, she just will buy things, like, for instance, she has these hair curlers, right? Like, these little styrofoam things that you curl in your hair, and she has some, and she just bought, like, another set, because she's like, oh, these ones are better.

• 48:50Caleb Hammer?

  You come in here with frizzy hair?

• 48:52Speaker 03

  I don't have frizzy hair.

• 48:53Speaker 04

  But she like, so I like, so I like two of the same thing.

• 48:56Caleb Hammer?

  Bad hair, dude.

• 48:56Speaker 04

  That's why I'm like, she spends, like, she just buys stupider stuff than I think I, I buy. I buy stuff that I.

• 49:01Speaker 03

  He spends a lot of money on weed.

• 49:04Speaker 04

  Yeah, I do.

• 49:05Caleb Hammer?

  What a good Christian man you are.

• 49:06Speaker 04

  Smoking weed's not un-Christian.

• 49:08Caleb Hammer?

  I think a lot of Christians would disagree with you.

• 49:10Speaker 04

  Sure, there's a lot of Christians that disagree on a lot of stuff. Doesn't mean that they're right or wrong.

• 49:13Caleb Hammer?

  Well, I would say the more traditionalist view would be addictive substances are not good.

• 49:18Speaker 04

  Well, alcohol is an addictive substance, right?

• 49:20Caleb Hammer?

  Yeah, but then they also argue that the one big thing that loves alcohol, trust me, I, it's not that, I'm, I'm probably, again, more on your side, but it's like, it's a little hypocritical of you, and the more traditional.

• 49:29Speaker 04

  Something I'm working on, for sure, and it's not something I'm proud of. Yeah, yeah, and we've gotten better.

• 49:34Caleb Hammer?

  Crime.

• 49:35Speaker 04

  So, crime.

• 49:37Caleb Hammer?

  I was just assuming.

• 49:38Speaker 04

  You're funny. Yeah, no crime. No crime. I've, I've been 100% legit my whole life.

• 49:42Speaker 03

  He told me he's never been arrested on a first date.

• 49:46Speaker 04

  Never been, I've never been put in handcuffs. I've never been asked to be stepped out of the car by a cop. Yeah. Never. Never been in any trouble with the law.

• 49:53Caleb Hammer?

  He has herpes, like, all this is happening, come on. But, in this relationship, with the dynamic that it is today, I, I am being told that there's like a disagreement on like, the roles, because you are so role focused, and I know you're bringing in the money, but, what's it, this, I'm being told there's a disagreement on the baby, and you're supposed to be the homemaker, and he's supposed to be the breadwinner and all this stuff. What, what?

• 50:16Speaker 03

  So, we've, we've gotten into multiple arguments about, like, our roles. I know what my role is, and it's like, take care of the house, take care of the baby.

• 50:25Caleb Hammer?

  You know that's your, what do you mean you know? Because that's not.

• 50:28Speaker 04

  That's what I was gonna say.

• 50:29Caleb Hammer?

  Yeah, like, what conversation? Like, how is that you know?

• 50:32Speaker 03

  Well, we've had conversations.

• 50:33Caleb Hammer?

  Isn't that something you guys decide together?

• 50:35Speaker 03

  Yeah, we, we decided that he was going to provide, and I was going to be the stay-at-home mom and basically not work. But what I was.

• 50:42Caleb Hammer?

  So you do nothing?

• 50:43Speaker 03

  I make sourdough.

• 50:44Caleb Hammer?

  Because it's been two months, so, two months you've been contributing by breastfeeding, but besides that, it's like, so she just really hasn't done shit.

• 50:53Speaker 04

  So she.

• 50:54Caleb Hammer?

  For a while.

• 50:54Speaker 04

  She does, I mean, at least.

• 50:55Speaker 03

  I take care of our dog.

• 50:56Speaker 04

  I mean, for the.

• 50:57Caleb Hammer?

  Yeah, for two months, though.

• 50:58Speaker 04

  For the last 10 months.

• 50:59Speaker 03

  I was pregnant for nine.

• 51:01Speaker 04

  So the last 10 months.

• 51:01Caleb Hammer?

  Have you seen pregnant women?

• 51:03Speaker 03

  Yes.

• 51:03Caleb Hammer?

  A lot of them work like crazy.

• 51:05Speaker 04

  So that's, okay, that's one of the biggest arguments that we have, is that she's 24 years old now, right? And she's basically hasn't had to do anything, and even over the last 10 months.

• 51:14Caleb Hammer?

  Yeah, she's been spoiled by men her whole life.

• 51:16Speaker 04

  And her mom lived with us too, so like, her mom pretty much took care of her, her whole pregnancy, and after the baby was born as well.

• 51:21Caleb Hammer?

  How the fuck are you gonna be able to take care of a child?

• 51:23Speaker 04

  She's good at it. She's, she's a great.

• 51:25Caleb Hammer?

  For two months, all she has to do is this.

• 51:26Speaker 04

  Yeah, she's, but she.

• 51:27Caleb Hammer?

  You haven't been able to raise yourself and take care of yourself.

• 51:30Speaker 03

  Men, that's actually not true.

• 51:32Caleb Hammer?

  You're about to make this a man thing? Yeah, go ahead and gender this. Men like me?

• 51:36Speaker 03

  That.

• 51:37Caleb Hammer?

  What is a man like me?

• 51:38Speaker 03

  Giving birth is just this thing, you just pop out a baby and that's it.

• 51:41Caleb Hammer?

  No, I don't. Giving birth is incredibly difficult. What are you talking about? But for the last two months.

• 51:45Speaker 03

  And taking care of a newborn and keeping it alive is pretty difficult as well.

• 51:48Caleb Hammer?

  I'm just saying, when you're saying, when you're saying, like, oh, yeah, but, I mean, she's never done anything her whole life, but now she's taking care of it, yeah, but, I mean, come on. Before we keep going, quick word from today's sponsor. Okay, real talk, I'm absolutely the kind of person who will put off a doctor's appointment way longer than I should. I've done it even when I knew I needed to get something checked out, because the sitting on hold, figuring out who takes my insurance, and possibly waiting weeks for an opening made the whole thing feel like it wasn't worth it. Suddenly, the "I should do this" item had been on my to-do list for like, three months. And if you're doing that too, stop. Seriously. Don't do the same stupid procrastination thing. That's why this part of the video is sponsored by Zocdoc.

• 52:30Caleb Hammer?

  Zocdoc is a free app and website that helps you find and book high-quality, in-network doctors, so you can find someone you love. You can search and compare local doctors, read real patient reviews, check detailed profiles, see actual appointment openings, and book instantly. And appointments happen.

• 52:49Speaker 00

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

• 53:14Caleb Hammer?

  Fast, usually within 24 to 72 hours, sometimes even same day. Stop putting off those doctor appointments and go to zocdoc.com/caleb to find and instantly book your doctor you love today. That is z-o-c-d-o-c dot com slash Caleb, zocdoc dot com slash Caleb. All right, back to the financial mess. The end of summer isn't just a good time to clean up your finances. With the changing weather, it's the perfect time to audit your closet too. And for me, one of the easiest places to start are the everyday basics, because if I'm still wearing the same stretched-out, beat-to-death t-shirts I've had for years, maybe it's time for a change. That's why I like Quince. Their whole thing is fewer, better pieces.

• 53:57Caleb Hammer?

  Premium materials, timeless styles, and clothes that are made to become the stuff you reach for over and over again. They've got ultra-soft organic cotton tees, Mongolian cashmere sweaters, premium denim, and tailored chinos. The everyday staples you really need. And their denim and chinos start at just 60 bucks, so you don't have to spend your fortune to upgrade your wardrobe. You're getting the fit, structure, and quality you'd expect from some fancy designer brand without paying the ridiculous designer brand price. Because Quince works directly with ethical factories and cuts out a bunch of the middlemen, their products are priced 50 to 80% less than similar brands without sacrificing quality. And personally, their 100% cotton luxe touch tee has become one of those things I just keep grabbing.

• 54:42Caleb Hammer?

  If it's great, it feels way nicer than I expected for the price, and, most importantly, I wear it a lot. So yes, I use Quince. And if your closet is overdue for an upgrade, I think you should check them out. They've also got hotel-quality bedding, bath essentials, premium cookware, and travel stuff, making Quince a dangerously attractive way to upgrade your life. Upgrade your everyday. Download the Quince app for app-exclusive offers, or go to quince.com/caleb. Get free shipping on your order and a 365-day return. Now available in Canada and the UK too. That is Q-U-I-N-C-E dot com slash Caleb. You've never done anything your whole life, you're not dealing with the complexities of like, the emotion and teaching and all this stuff yet, so it's like, in terms of the actual raising of a.

• 55:26Speaker 03

  Is very.

• 55:27Caleb Hammer?

  That, that's you. I'm talking about the kid. So, on the actual raising a child part, you never raised yourself, you never had to be an adult, you've only been.

• 55:36Speaker 04

  She did. No, that's not fair. She did.

• 55:37Caleb Hammer?

  What? You just told me she did it. I'm only going over the information you give me.

• 55:40Speaker 04

  Before she, before we met, like, she was taking care of her sister pretty much, like.

• 55:45Caleb Hammer?

  What about the mom situation? She said the mom moved in.

• 55:47Speaker 03

  When I got pregnant and she moved in with us.

• 55:49Caleb Hammer?

  Oh, then why'd you bring that up? Because that's not unfair.

• 55:51Speaker 04

  Yeah, because whenever her mom, her mom moved in with us.

• 55:53Caleb Hammer?

  Maybe I'm on your side, no?

• 55:54Speaker 04

  No, her mom moved in with us, cleaned the house, cooked everything, literally did, took care of.

• 55:58Caleb Hammer?

  Did she do anything while pregnant?

• 56:00Speaker 04

  Not really.

• 56:01Caleb Hammer?

  And you had an issue with that?

• 56:02Speaker 04

  No, no, no, the issue wasn't while she was pregnant.

• 56:04Caleb Hammer?

  So what's the argument then, guys?

• 56:05Speaker 03

  So the, the argument is like, for example.

• 56:07Speaker 04

  You talk a lot for somebody who doesn't want to let somebody explain the story. The argument.

• 56:10Caleb Hammer?

  I get bored easy.

• 56:11Speaker 04

  The argument is, is there was a situation specifically a few nights ago, maybe a week ago, where she woke, she woke up with the baby, the baby had like, peed on her.

• 56:19Caleb Hammer?

  Wait, allow me to interrupt you. Go ahead.

• 56:22Speaker 04

  Okay, it's your show, of course. So she, the baby peed on her and then she woke up really upset and I was like, hey, what can I do to help?

• 56:29Caleb Hammer?

  Kind of your one job.

• 56:29Speaker 04

  And she was exactly, but I was like, what can I do to help you? Because like I have to wake up in the morning, so I took the baby from her. I'm putting the baby back to sleep while she's like cleaning up the pee mess. And me and the baby fall back to sleep. She walks out of the room, comes back in, like slams the door open, baby wakes up.

• 56:44Caleb Hammer?

  What's wrong with you?

• 56:45Speaker 04

  So then that's, I didn't, don't, either way, I was like, yo.

• 56:48Caleb Hammer?

  Pro has to wake up and provide, isn't that what you want him to do?

• 56:51Speaker 04

  Basically was like, I was like, what's wrong with you? Why are you sitting here storming around the house? I was like, if you need help, you need to make it clear and like not do this, right?

• 56:57Caleb Hammer?

  Kind of acting like the newborn.

• 56:59Speaker 04

  But hold on, I did lose my cool, I yelled at her a little bit. So when I woke up in the morning before I went to.

• 57:04Speaker 03

  Okay, wait.

• 57:04Speaker 04

  Hold on, hold on, let me finish the story.

• 57:05Speaker 03

  Let's pause it there.

• 57:06Speaker 04

  No, no, no, let me finish the story.

• 57:07Caleb Hammer?

  Well, I'm good with a little pause. What's up? What's up, girl, girly pop?

• 57:10Speaker 03

  So she peed on me, right?

• 57:14Speaker 04

  She goes back to the beginning of the story, like.

• 57:15Speaker 03

  No, yeah.

• 57:16Caleb Hammer?

  Yeah, I thought we were pausing.

• 57:17Speaker 03

  It's obviously, it's obviously from your perspective.

• 57:19Speaker 04

  If you're gonna tell your side, let me finish.

• 57:20Speaker 03

  But he, he.

• 57:21Caleb Hammer?

  Okay, let's let him finish, you, you're ruining it.

• 57:23Speaker 04

  So then I wake up in the morning because I yelled at her in the middle of the night after she got peed on by the baby. Before I go to work, now mind you, every morning I work out, I do everything.

• 57:31Caleb Hammer?

  By the way, she would describe that as a black man yelling.

• 57:34Speaker 04

  Yeah, so either way, the black man was yelling at her in the middle of the night. I wake up, I clean the whole kitchen. I mean, I do the dishes, I mop the floors, I sweep, I let the dogs out, I feed them, I do everything. So that way, when she wakes up, she doesn't have to do anything. And then I come home from work, I literally, the first thing I do, take the baby from her. I go lay down with the baby, so that way she, cause she's been with the baby all day. I change the baby's diaper and then I'm laying with the baby. She comes into the room as I'm laying down with the baby, just chilling. And she's like, picks up like the changing station, the little changing mat wipes. And she goes, can I talk to you about something? And I'm like, sure, what's up? She's like, I feel like you've just been leaving stuff around the house, cause you know I'm gonna pick it up. And then I was like.

• 58:13Caleb Hammer?

  Which probably isn't even true, but women just like feel things instead of know things.

• 58:17Speaker 04

  So then I do leave, I do leave stuff around a lot, I will give her that, but I was like, are you sure you wanna have this conversation right now? She's like, yeah, what do you mean? And I'm like, well, I did just clean up the entire kitchen before I went to work and I came home, I changed the baby's diaper and you're gonna like bitch at me for leaving the wipes out? And then, hold on, the thing is, is that she literally will do the same thing. So the next day, she left the wipes out and I pointed at him and I was like, you just yelled at me yesterday for leaving these wipes out, saying that I leave them out intentionally, cause you're gonna clean it up.

• 58:45Caleb Hammer?

  Wait, didn't you say the whole thing was you to be at home to like take care of the house?

• 58:49Speaker 03

  Okay, listen, listen, so.

• 58:50Caleb Hammer?

  Like, I mean, maybe it's messy of him, but isn't that kind of like?

• 58:53Speaker 03

  Yeah.

• 58:53Caleb Hammer?

  The role you've set up is like, he goes and works and you take care of the house.

• 58:57Speaker 03

  Yeah, that is my job.

• 58:58Caleb Hammer?

  Sounds like you're not gonna take care of the house.

• 58:59Speaker 03

  I have been, I have been picking up after him for two years since we've been together and.

• 59:04Caleb Hammer?

  But that's what you said you were okay with.

• 59:05Speaker 03

  Exactly.

• 59:06Caleb Hammer?

  Okay, then why are you yelling at him for it?

• 59:07Speaker 03

  I did not yell at him. I walked into the room and I told him, I'm like, I even started off the conversation because I know how he gets and I'm like, hey.

• 59:14Caleb Hammer?

  How's he get?

• 59:14Speaker 03

  I don't, he gets very upset, very quickly. And so I'm like, hey, I don't mind picking up after you. And then I did say that, I'm like, I feel like you're leaving stuff behind, knowing that I'm gonna pick it up.

• 59:27Caleb Hammer?

  Bipolar in the pre-interview, by the way.

• 59:29Speaker 04

  That's crazy.

• 59:30Speaker 03

  And did I? Okay, well, anyway.

• 59:34Caleb Hammer?

  Correct the quote.

• 59:34Speaker 03

  Anyway, so the whole, that whole situation, yeah, she peed on me and I wanted to change the sheets because I'm not about to sleep and pee.

• 59:42Caleb Hammer?

  No.

• 59:42Speaker 03

  The whole, the whole night. So I went to go get the sheets and a blanket. And the blanket that I had was very thick because we have a king size bed, so it's very big and thick. And so I, my, both of my hands were busy, so I pushed open the door and it just opened up like, I didn't intentionally throw it, throw the door so she can wake up with him. It just happened. And so before I got the chance to switch the sheets, he's like, why are you so upset? Like you shouldn't be upset because this is your job. Like you shouldn't be complaining about it.

• 1:00:14Caleb Hammer?

  Well, you're a Latina woman, you guys are always upset, though.

• 1:00:17Speaker 03

  I'm, I'm not always upset. I was upset that night because she peed on me and I have been up with.

• 1:00:21Caleb Hammer?

  I know you can't call her, but isn't she like always?

• 1:00:23Speaker 04

  No, she's not, no, not, not at all. She's not, she's definitely not.

• 1:00:27Speaker 03

  But he, um.

• 1:00:28Caleb Hammer?

  Two more years, though, and, oh, she's gonna be huge.

• 1:00:31Speaker 03

  What does that mean?

• 1:00:32Caleb Hammer?

  Have you seen every Latina woman at 26? Do you know what happens?

• 1:00:36Speaker 03

  No, I don't.

• 1:00:37Caleb Hammer?

  Torta.

• 1:00:38Speaker 03

  Ew, first of all.

• 1:00:40Caleb Hammer?

  Just science.

• 1:00:41Speaker 03

  Second of all, that's, that, that, no, no.

• 1:00:43Caleb Hammer?

  Little racism, little science, 100% true.

• 1:00:46Speaker 04

  She's definitely not a cunt, but I get called bipolar because I clean up the kitchen and then get told to pick up after myself. And I bring in $20,000 a month before taxes. So I'm just like, what can a guy do? You know what I'm saying?

• 1:00:56Speaker 03

  The reason I brought that up was because he continues to, I don't ask him for help at all. I don't. He does the things because he wants to and I am very grateful that he does that, but I don't necessarily go up to him and I'm like, can you change her diaper? Can you do this? Can you do that?

• 1:01:10Speaker 04

  So if I don't help, things don't get done.

• 1:01:12Speaker 03

  No, no, listen, listen.

• 1:01:13Speaker 04

  Things don't get done if I don't help.

• 1:01:14Speaker 03

  That is not true.

• 1:01:14Speaker 04

  It is true.

• 1:01:15Speaker 03

  I literally cleaned the entire house like two days ago.

• 1:01:18Caleb Hammer?

  Oh, congratulations, one time?

• 1:01:20Speaker 04

  Yeah.

• 1:01:20Speaker 03

  That is not, no, I do.

• 1:01:21Caleb Hammer?

  I thought you were a homemaker.

• 1:01:22Speaker 03

  I do clean the house. Let me finish the story. So I am like, okay, he has continues, continuously asked me to ask, to ask for help and not to like take up all the responsibility for myself because it is very tiring, so.

• 1:01:38Speaker 04

  So her asking for help is telling me I leave stuff around and I don't pick up after myself?

• 1:01:42Speaker 03

  And again, this is not me complaining, he left the entire kitchen a mess. He leaves clothes all over when he gets home from work.

• 1:01:48Caleb Hammer?

  You said you were okay with it, that's the deal you took. Clearly not.

• 1:01:52Speaker 03

  I am.

• 1:01:52Speaker 04

  I pick up after myself too, though, so like if I do leave it around, I also pick up after myself.

• 1:01:57Speaker 03

  The only reason I brought it up was because this is the way that I would like for him to help. Because I do recognize that my role is to take care of the baby and the house and I show him.

• 1:02:06Caleb Hammer?

  You recognize that, did you guys agree on that?

• 1:02:08Speaker 03

  Yes, we agreed on that.

• 1:02:09Caleb Hammer?

  Then why are you complaining about it?

• 1:02:10Speaker 03

  I did not complain about it, you're not listening to me. What I said was that he, that, that's the way I would like him to help me out is not leave so much shit behind. And that's what I was trying to tell you, tell him, I'm like, hey, I'm noticing you're leaving more stuff behind than normal.

• 1:02:25Caleb Hammer?

  How many hours a week are you working?

• 1:02:26Speaker 04

  So be, while she was pregnant, I was working Monday through Saturday, nine to five, basically.

• 1:02:32Caleb Hammer?

  And now?

• 1:02:33Speaker 04

  Um, I stopped working Saturdays, but I just pick Saturdays back up.

• 1:02:36Caleb Hammer?

  Normal 40 hour work, but yeah, you can step up and be more cleaner around the house, what are you doing?

• 1:02:39Speaker 04

  But it's, it varies, so like I leave at nine and I might get home at like seven some nights, cause it's a sales job, you know what I'm saying? So like, it might take me an hour or two at each stop and I have like nine, 10 stops a day. You know what I'm saying?

• 1:02:51Caleb Hammer?

  Geez, you guys argue a lot apparently, your landlord had to check in on you guys because he was hearing you argue, that's crazy.

• 1:02:57Speaker 04

  She lived next door to us, our landlord, our next door neighbor.

• 1:03:00Caleb Hammer?

  That's, that's an alarm bell, if some, doesn't matter if the next door neighbor, regardless of if they're the landlord or not, is checking in on us because of all the yelling.

• 1:03:09Speaker 04

  We had thin walls, it was like a townhouse.

• 1:03:10Caleb Hammer?

  Well, I've lived in a lot of thin walls, I've never had to check in on someone.

• 1:03:13Speaker 04

  Heard your neighbors yelling?

• 1:03:14Caleb Hammer?

  No!

• 1:03:15Speaker 04

  You're lying, you're lying, you've never heard neighbors yelling in an apartment complex?

• 1:03:18Caleb Hammer?

  I'm getting a no from there, no.

• 1:03:21Speaker 04

  You've never lived in a, in a crazy.

• 1:03:22Speaker 03

  How do they know, do they live with you?

• 1:03:23Caleb Hammer?

  Okay, one guy who lives in like a college complex, where they're probably just literally moaning or doing drugs. So everyone's saying no.

• 1:03:30Speaker 04

  Well, hearing people yell in apartment complexes is pretty normal to me.

• 1:03:33Speaker 06

  Wait a minute, I'm white.

• 1:03:39Caleb Hammer?

  I've lived in a lot of apartment complexes.

• 1:03:40Speaker 04

  And hearing people yell is normal, like.

• 1:03:42Caleb Hammer?

  Which ones have you lived in?

• 1:03:44Speaker 04

  Not section eight.

• 1:03:47Speaker 04

  Never section eight, so.

• 1:03:49Speaker 03

  But yeah, we did used to argue a lot and we would scream at each other.

• 1:03:52Caleb Hammer?

  Sounds like you did two days ago, I mean, it's, how frequently are we arguing?

• 1:03:56Speaker 04

  We bicker now, it's not arguing.

• 1:03:57Caleb Hammer?

  How frequently are we bickering?

• 1:03:59Speaker 04

  Um, maybe once a week, if that.

• 1:04:01Caleb Hammer?

  Yeah, it's still pretty juicy. That's still pretty juicy.

• 1:04:04Speaker 03

  Well, it's mainly.

• 1:04:04Caleb Hammer?

  How's y'all's relationship today?

• 1:04:07Speaker 04

  I think it's great.

• 1:04:08Speaker 03

  Yeah, I, yeah, we.

• 1:04:09Caleb Hammer?

  No issues, everything's good?

• 1:04:11Speaker 03

  Yeah, I'd say so.

• 1:04:13Caleb Hammer?

  How many guys?

• 1:04:14Speaker 03

  I knew you were gonna ask us that.

• 1:04:16Speaker 04

  Not as often as we used to, but.

• 1:04:18Caleb Hammer?

  That happens?

• 1:04:18Speaker 04

  Yeah.

• 1:04:19Caleb Hammer?

  What are we on?

• 1:04:20Speaker 04

  What? Three times a week, two times a week?

• 1:04:22Caleb Hammer?

  Oh, well, you guys are good, we're fine.

• 1:04:24Speaker 03

  I'd, no.

• 1:04:25Speaker 04

  You disagree with that?

• 1:04:26Speaker 03

  Yeah, I don't, I don't think it's that often.

• 1:04:27Speaker 04

  At least once a week.

• 1:04:29Speaker 03

  Uh, yeah, I mean, sure.

• 1:04:31Caleb Hammer?

  Oh, two months post-birth, that's actually.

• 1:04:33Speaker 04

  Yeah, it's, that's what I'm saying, yeah.

• 1:04:35Speaker 03

  Yeah, I don't, I don't really.

• 1:04:36Speaker 04

  We didn't even start having sex again until probably like, I don't know, what was it, like a month ago?

• 1:04:40Caleb Hammer?

  You gotta let that thing recover.

• 1:04:41Speaker 04

  Yeah, for sure, for sure. I'm trying to be, you know, it's, it's on her clock, whenever, you know what I mean?

• 1:04:47Speaker 03

  Yeah, but also like.

• 1:04:48Caleb Hammer?

  Go in the hole above for a while, let it kind of get in there.

• 1:04:52Caleb Hammer?

  Oh, she's into it, oh shit.

• 1:04:53Speaker 03

  Anyways.

• 1:04:54Caleb Hammer?

  Wow, okay, yikes, that's fun, we know she likes anal. Didn't know we were gonna get into that. Really not denying it, that's actually kind of crazy.

• 1:05:02Speaker 04

  All Christians, though, like, don't Christians do, is that like what Christians do?

• 1:05:06Speaker 03

  You like anal?

• 1:05:07Speaker 04

  You like anal, don't sit here and play, don't play.

• 1:05:11Caleb Hammer?

  Okay, I mean, hey, I didn't, I didn't know, yeah, I was just kind of joking, but, uh, what do we think? Well, I mean, you took the quiz, but I think you guys need to take it again, cause we did dramatically revamp it. Um, what do you guys think? Your household financial scores today is zero out of 10.

• 1:05:25Speaker 04

  I think it's. I think it's. Four.

• 1:05:28Caleb Hammer?

  We'll see, we'll see, man. I mean.

• 1:05:30Speaker 04

  You didn't do the countdown.

• 1:05:31Caleb Hammer?

  Income is not usually a determining factor. Debt to income is, but no, we don't do the countdown anymore. You haven't watched in a while, huh?

• 1:05:39Speaker 03

  I literally watched the episode that came out yesterday and you did it. The one with the My Little Pony.

• 1:05:48Speaker 04

  She's a super fan.

• 1:05:49Speaker 03

  I do watch you a lot.

• 1:05:50Speaker 04

  She watches, like, I come home from work and you're on the TV. I'm like, bro, can you turn?

• 1:05:53Caleb Hammer?

  We'll do a later. So. If you want your hammer financial score, it is free at Calebhammer.com. Uh, just take the assessment, see where you stand and you'll see where you stand in each category. And you can know where you need to improve. And if you don't want to be like guests who end up on this show, make sure to download the Dollar Wise Budgeting app. You can change your life like tens of thousands of monthly active users are. Take the free trial to see if it works for you. And if you do, and if you like it, take the annual version. Most people do because it saves nearly 50%. And you get the physical version of my 30 day meal plan signed by me mailed directly to you. And the digital version of the cookbook as well. So check that out, guys. Links below, dollarwise.com, Calebhammer.com, all that good stuff.

• 1:06:31Speaker 04

  No, you have no excuse.

• 1:06:32Caleb Hammer?

  So we don't have credit cards, but we have a firm.

• 1:06:36Speaker 04

  Yeah.

• 1:06:36Caleb Hammer?

  So we'll, okay, so wow, yeah, you're so much better.

• 1:06:40Speaker 04

  It's not in my name.

• 1:06:41Caleb Hammer?

  Come on, whose name?

• 1:06:42Speaker 04

  My mom's.

• 1:06:43Caleb Hammer?

  Isn't that even worse, putting it into a family's name? What is this for?

• 1:06:46Speaker 04

  Uh, our bed.

• 1:06:47Caleb Hammer?

  Okay, so I would say that's actually worse, putting it on your family. Why would you do that?

• 1:06:52Speaker 04

  Cause my mom doesn't care.

• 1:06:54Caleb Hammer?

  But you make 200,000 hours a year.

• 1:06:56Speaker 04

  Yeah.

• 1:06:56Caleb Hammer?

  Why put that on your mom? Regardless if she cares, you're still putting the risk on her head. It is still your choice.

• 1:07:01Speaker 04

  It's your percent.

• 1:07:01Caleb Hammer?

  Good, zero percent for yourself.

• 1:07:03Speaker 04

  Yeah, she.

• 1:07:03Caleb Hammer?

  You're still putting the risk on your mother's head. Hold your mom.

• 1:07:05Speaker 04

  Credit, I'm helping her credit.

• 1:07:06Caleb Hammer?

  Holds your mother.

• 1:07:08Speaker 04

  Like 50, like 50 something, 52.

• 1:07:10Caleb Hammer?

  Okay. Yeah. So she has like 10 more years to retirement. And you're putting her in a risky position. You don't know what's gonna happen.

• 1:07:17Speaker 04

  She's an expat. She actually abandoned her American citizenship for the most part and doesn't care about her credit anymore. So.

• 1:07:23Caleb Hammer?

  Uh, wait, how do you abandon it for the most part?

• 1:07:26Speaker 04

  I mean, she still.

• 1:07:27Caleb Hammer?

  Abandon it or don't?

• 1:07:28Speaker 04

  Yeah. So like she has her.

• 1:07:29Caleb Hammer?

  Where is she?

• 1:07:30Speaker 04

  She's moved to Canada.

• 1:07:31Caleb Hammer?

  Oh.

• 1:07:31Speaker 04

  That's where she's from. Yeah.

• 1:07:33Caleb Hammer?

  Oh, trust me, the debt can still get her.

• 1:07:35Speaker 04

  Yeah. I mean, so she's basically just abandoning her credit. She's just like.

• 1:07:38Caleb Hammer?

  Well, the debt can definitely still get her in Canada.

• 1:07:40Speaker 04

  I mean, apparently it can't from what she's told me of like.

• 1:07:43Caleb Hammer?

  She is wrong.

• 1:07:43Speaker 04

  Separate it. So I don't, I don't know. I don't know. That's not, that's not for me to worry about. So.

• 1:07:48Caleb Hammer?

  Right. Except you put it on her head. So you might.

• 1:07:51Speaker 04

  So if anything, I'm gonna help her credit because.

• 1:07:53Caleb Hammer?

  Yeah, potentially unless you fuck it up, you're not willing to give yourself any kind of room for like a dramatic economic downturn or something. Because you're 30, I'm 31, we're like the same age. We haven't really grown up in a real recession.

• 1:08:05Speaker 04

  Right.

• 1:08:05Caleb Hammer?

  We saw our parents get affected a bit by the great recession, but even still, the vast majority of our memory is no really economic hard times. Pretty much, you know, a little dip here and there, but not anything actually bad. You're not willing to allow the world to be complicated. You're just gonna.

• 1:08:21Speaker 04

  It is already complicated. The world's pretty fucked up. So, I mean.

• 1:08:25Caleb Hammer?

  I don't know, the best period of human history, I would say.

• 1:08:27Speaker 04

  I mean, as, as far as like.

• 1:08:29Caleb Hammer?

  Especially for a black dude in America.

• 1:08:31Speaker 04

  Sure, for sure. With no college education, yeah, 100%. You know what I'm saying? Like it's the best, you're, you're not gonna hear me complain about that, but.

• 1:08:37Caleb Hammer?

  Just said the world's fucked up.

• 1:08:38Speaker 04

  The world is fucked. Come on, dude. The world is fucked up.

• 1:08:40Caleb Hammer?

  It's better than it's ever been.

• 1:08:41Speaker 04

  I mean, I, I would go back to the time when I didn't know the elites were eating children. So, I, I mean that.

• 1:08:47Caleb Hammer?

  You know for a fact, you have evidence they eat children.

• 1:08:49Speaker 04

  I, I would say that's been made pretty clear with the evidence that's been released.

• 1:08:56Speaker 04

  Um, but either way, I mean, that's besides the point. The, my world's great. My world's great.

• 1:09:00Caleb Hammer?

  Your world is.

• 1:09:01Speaker 04

  My, my world is great. I'm, my life is amazing. So, I mean, as far as that goes.

• 1:09:06Caleb Hammer?

  Hold, hold on, keep hold of your child and elite might come eat them.

• 1:09:09Speaker 04

  I know. That's why we.

• 1:09:10Caleb Hammer?

  People say I'm an elite now because I have a lot of money.

• 1:09:12Speaker 04

  We had our baby at home.

• 1:09:13Caleb Hammer?

  Am I gonna eat your child?

• 1:09:14Speaker 04

  I hope not.

• 1:09:15Caleb Hammer?

  Is that really why you had the baby at home?

• 1:09:16Speaker 04

  Enough money to be that elite.

• 1:09:18Caleb Hammer?

  People say I am. I appreciate it.

• 1:09:21Speaker 04

  Yeah. Not, you're, I mean, give it a few more years, you'll, you'll be up there.

• 1:09:24Caleb Hammer?

  You're way more Jewish than I am. People are afraid of you these days too, including Candace Owens, right?

• 1:09:28Speaker 04

  Yeah, I know. I'm probably her like kryptonite, honestly.

• 1:09:32Caleb Hammer?

  Okay.

• 1:09:33Speaker 04

  Jewish black guy.

• 1:09:33Caleb Hammer?

  Is that really why you had birth at home?

• 1:09:35Speaker 04

  No, just because we don't trust the medical system. Yeah, it's not super.

• 1:09:38Caleb Hammer?

  What are you afraid of? You think Joe Biden's gonna get in there, get all grabby, grabby, eaty, eaty?

• 1:09:41Speaker 04

  No, but it is a fact that like, you know, women of color have more.

• 1:09:46Caleb Hammer?

  She's Hispanic. I guarantee you like every fucking doctor and everyone there's like.

• 1:09:51Speaker 04

  Is that Hispanic or Indian?

• 1:09:52Caleb Hammer?

  Well, that was Indian, but a different kind of brown. All the nurses look like you.

• 1:09:55Speaker 04

  Yeah, it's just not safe to have the baby in the hospital.

• 1:09:57Caleb Hammer?

  Not safe?

• 1:09:58Speaker 04

  Yeah, it's not safe for people.

• 1:09:59Caleb Hammer?

  Safer than ever.

• 1:10:00Speaker 04

  For white people.

• 1:10:01Caleb Hammer?

  No, it's safer than ever for every statistical.

• 1:10:03Speaker 04

  I mean.

• 1:10:03Caleb Hammer?

  Race, like in terms of like actual infant mortality, it's safer than ever.

• 1:10:07Speaker 04

  Yeah, but what?

• 1:10:08Caleb Hammer?

  Again, I don't want you to head down the world.

• 1:10:09Speaker 04

  What about the mortality of the mother though?

• 1:10:12Caleb Hammer?

  Okay, should we pull some statistics?

• 1:10:13Speaker 04

  Yeah, pull up the statistics of the mortality rate of women of color. Specifically in Texas. It's, it's pretty high.

• 1:10:24Speaker 04

  But going back to the bed, we, we got the bed for my mom because we had the baby. So we needed a better bed. The.

• 1:10:30Caleb Hammer?

  Why does that make sense?

• 1:10:31Speaker 04

  Because the house we got was.

• 1:10:32Caleb Hammer?

  Does the baby sleep in the bed?

• 1:10:34Speaker 04

  Yeah, a lot of the time.

• 1:10:35Caleb Hammer?

  Doesn't have to though, right?

• 1:10:36Speaker 04

  Doesn't have to.

• 1:10:37Speaker 03

  Co-sleeping by the way.

• 1:10:38Speaker 04

  Doesn't have to, but it's just.

• 1:10:40Caleb Hammer?

  It doesn't have to. Like you're, you're finding a cope reason to get the bed. What was wrong with your old bed?

• 1:10:45Speaker 03

  Well, the bed, the bed reclines. So like whenever I have to wake up in the middle of the night, his side of the bed can like stay down and I can just like recline the bed and feed her and do all the stuff.

• 1:10:54Caleb Hammer?

  That sounds great, but it sounds like we're finding a lot of reasons to it. And to put it on your mom again, I really don't understand that part. I know you're helping her credit, but again, you've never experienced a real economic hardship and sales gets really complicated in those situations. Luckily pest control's a bit more evergreen, but.

• 1:11:07Speaker 04

  Hardship like would we experience that would influence something?

• 1:11:10Caleb Hammer?

  I'm sorry, what?

• 1:11:11Speaker 04

  Like what type of economic hardship would we experience?

• 1:11:13Caleb Hammer?

  High unemployment rate.

• 1:11:15Speaker 04

  Right. So like, do we have a high unemployment rate right now?

• 1:11:17Caleb Hammer?

  No, I'm saying on this, on this 18 month term, you don't know what's gonna happen in the next 18 months is what I'm saying. I'm not saying today. I'm saying maybe 12 months from now.

• 1:11:26Speaker 04

  Well, isn't that why we make sure we have the money in our savings if we need?

• 1:11:29Caleb Hammer?

  Potentially.

• 1:11:29Speaker 04

  Yeah. So we have an emergency fund.

• 1:11:31Caleb Hammer?

  But you're spending more than you make, so that's not gonna go anywhere. How?

• 1:11:34Speaker 04

  We are spending more than we make.

• 1:11:36Caleb Hammer?

  No, but a lot of the money's in checking, so it's going in and out. Yeah, you do have a few thousands saved up on the side, but across all your debt of 108,000, it would pay less than 10%. So that argument no longer exists. That's why we're hot, that's why we're risk that free and then a fully funded emergency fund. Cause your fully funded emergency fund wouldn't even come close to touching your debt. It wouldn't objectively.

• 1:12:01Speaker 04

  I mean, yeah, it wouldn't.

• 1:12:01Caleb Hammer?

  Number wise, so you can't use that excuse.

• 1:12:03Speaker 04

  But it's, but it gives us.

• 1:12:04Caleb Hammer?

  And also you know what an economic downturn does? That leads to unemployment, which leads to you having to use, which has you having to use your emergency fund. That's not a six month emergency fund, which.

• 1:12:14Speaker 04

  I don't know what account you're looking at, but across our accounts.

• 1:12:16Caleb Hammer?

  Your savings, but across your account, most of it's checking. So it doesn't work like that.

• 1:12:19Speaker 04

  That's, is that my savings?

• 1:12:21Caleb Hammer?

  Yes, I have all your accounts.

• 1:12:23Speaker 04

  Our savings is between two different accounts. That's what I'm explaining to you. That's our rainy, that's our rate. Okay. So there's one that's a rainy day. Yeah, there's one that's a rainy.

• 1:12:33Caleb Hammer?

  And it doesn't cover 10%. Rainy day, what rainy day? I'm saying it wouldn't cover six months of rainy day. Oh my gosh, dude. Well, so it's even worse. Great. So the reality is what I am saying is if an economic downturn happens, that savings goes to pain for months, not for pain for debts. So you can't use that excuse the way you do. Your risk assessment is backwards.

• 1:12:51Speaker 04

  There's an economic downturn dude, like the debt, like you, you know.

• 1:12:55Caleb Hammer?

  Yeah, the debt which impacts your mom. That's why I'm saying it's bad.

• 1:12:59Speaker 04

  In Canada now, it's not gonna, if there's an economic downturn in the United States, it's not going to affect her as much as like.

• 1:13:04Caleb Hammer?

  What?

• 1:13:05Speaker 04

  What?

• 1:13:06Caleb Hammer?

  What are you talking about? Anytime there's an economic downturn, it affects all Western nations.

• 1:13:10Speaker 04

  Living in the middle of nowhere, Canada, it is not going to affect her. It's not. If she's living in a house that's 100% paid off and she's living off of whatever.

• 1:13:17Caleb Hammer?

  Is it 100% paid off?

• 1:13:18Speaker 04

  She lives, she lives with.

• 1:13:20Caleb Hammer?

  That's helpful. They might be able to leverage some kind of, uh, uh, lean against the house at some point. I don't know, maybe.

• 1:13:26Speaker 04

  They can't, they're not going to. They're not going to.

• 1:13:28Caleb Hammer?

  Might not, probably not. I would, I would side on the statistical likelihood of not. But, but you can't say the risk is zero. And especially that the thing is, I would rather the risk be on my head. That's the point.

• 1:13:40Speaker 04

  Sure.

• 1:13:40Caleb Hammer?

  Then on my mom's head.

• 1:13:42Speaker 04

  She's made it clear. She doesn't care about her.

• 1:13:43Caleb Hammer?

  That doesn't matter. My mom can make a lot of choices, but if I still get the choice in the end to do it and approve it.

• 1:13:49Speaker 04

  Yeah, and she.

• 1:13:50Caleb Hammer?

  You're still being a selfish son in the way.

• 1:13:52Speaker 04

  I'm not putting anything on her head, like.

• 1:13:54Caleb Hammer?

  Well, technically, by absolutely.

• 1:13:56Speaker 04

  0% interest.

• 1:13:58Caleb Hammer?

  Uh, yeah, no, no, I'm, you're just not taking into account for anything happening in the future. That's what I'm trying to bring up. You, you really don't seem to understand that point.

• 1:14:04Speaker 04

  I know. That's kind of why we're on the show. Cause we want to be better prepared for the future. We're, we're.

• 1:14:08Caleb Hammer?

  Pushing back against it a lot. So I'm saying that this isn't inherently bad debt, but I would put it on your head and you certainly cope the fuck out of the way to get it.

• 1:14:16Speaker 04

  We needed a new bed. We needed a new bed.

• 1:14:18Speaker 03

  Our bed was really gross.

• 1:14:20Speaker 04

  We moved into a place that was fully furnished. So the bed that we were sleeping on, we, God knows how many people slept on.

• 1:14:25Caleb Hammer?

  So there's a little increase during COVID for, uh, mortality across the board. It wasn't just people of color, by the way.

• 1:14:32Speaker 04

  Mortality rate for women of color compared to women of.

• 1:14:36Caleb Hammer?

  It had a slight more raise. Yes, it did. Um, but that was only during COVID. Since 2000, since 2011, since 2012, since 2019. Uh, it's still falling overall. Again, there was a boop, just like everything had a boop during COVID. So your statistics were just wrong.

• 1:14:53Speaker 04

  I'll send them to the producers when I get home.

• 1:14:55Caleb Hammer?

  Huh?

• 1:14:55Speaker 04

  I said I can send them to the producers.

• 1:14:57Caleb Hammer?

  Where did you get them from besides Candace Owens? This is the.

• 1:14:59Speaker 04

  This is not a Candace Owens stat. That's.

• 1:15:01Caleb Hammer?

  This is the Department of, uh, Human Services of Texas.

• 1:15:05Speaker 04

  Department of Human Services of Texas?

• 1:15:07Caleb Hammer?

  Yes.

• 1:15:07Speaker 04

  Okay. And you cross referenced that with what other studies?

• 1:15:11Caleb Hammer?

  What, what do you have?

• 1:15:12Speaker 04

  I, I, do you want me to just pull?

• 1:15:14Caleb Hammer?

  Yeah, sure. If you have it, if this is what you're, we spent all this money for this, then yeah, I'm gonna need you to have some kind of backing, please.

• 1:15:20Speaker 04

  Spend all money for what?

• 1:15:22Caleb Hammer?

  Needing to do the birth at home.

• 1:15:25Speaker 04

  Yes, because it is safer to have the baby at home than the hospital.

• 1:15:28Caleb Hammer?

  It up.

• 1:15:28Speaker 04

  Pull, what would you like me to pull up?

• 1:15:30Caleb Hammer?

  The, the statistics that you're using, buddy. You're saying cross reference. Give me where this came from.

• 1:15:35Speaker 04

  I got you. I got you.

• 1:15:35Speaker 03

  I just wanted to give birth at home because I wanted to.

• 1:15:38Caleb Hammer?

  And black is the highest, black women.

• 1:15:39Speaker 04

  Thank you. That's my point. Thank you. You just made.

• 1:15:41Caleb Hammer?

  She's not a black woman.

• 1:15:43Speaker 04

  Women of color.

• 1:15:44Caleb Hammer?

  Black women.

• 1:15:45Speaker 04

  Women of color. What, what do you?

• 1:15:48Caleb Hammer?

  I just, no, you didn't make the point. I said black women.

• 1:15:50Speaker 04

  Okay.

• 1:15:50Caleb Hammer?

  And it being the highest doesn't still mean that it is hot.

• 1:15:53Speaker 04

  Cool. Hold on.

• 1:15:55Caleb Hammer?

  It's actually for, uh, uh, white women and Hispanic women are barely off. Hispanic women is just barely above. Black women are where it actually gets higher. So again, you were wrong.

• 1:16:07Speaker 04

  Okay.

• 1:16:07Caleb Hammer?

  You're a black dude, but you're not giving birth.

• 1:16:10Speaker 04

  I was wrong.

• 1:16:11Caleb Hammer?

  Yes.

• 1:16:12Speaker 03

  It was a really fun experience, by the way.

• 1:16:14Caleb Hammer?

  Uh, it's point one. The mortality rate, by the way, on its little boop uptick is for black women. This is black women. This is the bad off ones. Point one, three percent. Not 1%, point one, three percent.

• 1:16:30Caleb Hammer?

  Point.

• 1:16:31Speaker 04

  We didn't want our daughter being born in the hospital.

• 1:16:34Caleb Hammer?

  I was trying to get the why and your why was incorrect.

• 1:16:36Speaker 04

  Yeah, because it's just not safe.

• 1:16:38Caleb Hammer?

  It's not true.

• 1:16:39Speaker 04

  It's not safe.

• 1:16:41Caleb Hammer?

  That's not true.

• 1:16:42Speaker 03

  I think you're wording it wrong.

• 1:16:43Speaker 04

  It's not safe. I mean, sure, it's your baby won't die.

• 1:16:46Speaker 03

  It's a good option for a lot of people.

• 1:16:48Speaker 04

  But your baby might have ADHD or autism or something.

• 1:16:51Caleb Hammer?

  What? From the hospital? What is he talking about?

• 1:16:53Speaker 04

  What do you mean?

• 1:16:53Speaker 03

  He's talking about vaccines. We didn't, we didn't do vaccines with her baby.

• 1:16:59Caleb Hammer?

  By the way, for Hispanic women, it is point zero eight percent mortality rate. Point zero.

• 1:17:07Speaker 03

  That's good, I guess, right?

• 1:17:08Speaker 04

  It's fifty point three deaths per hundred thousand live births.

• 1:17:13Caleb Hammer?

  Black births? Oh, that's even better than I had.

• 1:17:16Speaker 04

  What is your say?

• 1:17:17Caleb Hammer?

  For a hundred thousand, you said?

• 1:17:19Speaker 04

  That's, I think that's what it says.

• 1:17:22Speaker 04

  It says.

• 1:17:22Caleb Hammer?

  Wow, that's great. So now it's actually point zero five percent.

• 1:17:26Speaker 04

  It says black women experience the highest rate among major single year.

• 1:17:30Caleb Hammer?

  Which I said that.

• 1:17:31Speaker 04

  This desegregated reports, which approximately forty four to fifty deaths per hundred thousand live births, roughly.

• 1:17:38Caleb Hammer?

  Fifty?

• 1:17:39Speaker 04

  Roughly three times higher than the rate of white women.

• 1:17:41Caleb Hammer?

  Which, by the way, she's Hispanic, she's not even black. I don't know why we're focusing on the black woman part when that was your argument. But even still, that is point zero.

• 1:17:48Speaker 04

  Because there is no, there's this, they don't give the statistics for despair.

• 1:17:51Caleb Hammer?

  Yes, they do. I haven't.

• 1:17:52Speaker 04

  It doesn't say it here, so.

• 1:17:56Caleb Hammer?

  Point zero five. That's actually a very statistical W in terms of the modern medical system.

• 1:18:03Speaker 04

  But you're, you're saying.

• 1:18:04Caleb Hammer?

  Where it came from?

• 1:18:05Speaker 04

  It's, you're right. I wasn't saying it correctly.

• 1:18:07Caleb Hammer?

  So, yeah, you're just afraid of vaccines. Gotcha.

• 1:18:09Speaker 04

  It's safer to have your baby at home. It's safer than the hospital. It's safer than the hospital. It's not unsafe to have your baby at the hospital, but it's safer to have your baby at home, as long as there's no complications with the birth.

• 1:18:23Caleb Hammer?

  Well, isn't that a big if? Isn't that a big if? I would rather be in a hospital if there's complications.

• 1:18:27Speaker 03

  If you're a low risk, if you're a low risk.

• 1:18:29Caleb Hammer?

  Low risk, but you're still gambling. You're rolling the dice on that.

• 1:18:32Speaker 04

  What do you mean?

• 1:18:33Caleb Hammer?

  Just with a better odd, right?

• 1:18:34Speaker 04

  You're rolling the dice having a baby in general.

• 1:18:36Caleb Hammer?

  Point zero five percent. I, I agree.

• 1:18:38Speaker 04

  It's a risky thing having a child altogether.

• 1:18:40Caleb Hammer?

  I'm not disagreeing with that. But, well, you said it's safer to have a baby at home unless there is medical risk. That's a big unless.

• 1:18:47Speaker 04

  What do you mean? How's that a big unless?

• 1:18:49Caleb Hammer?

  You suck with money, so you download a budgeting app. You start with the classic one, YNAB, but everyone just deletes it because it's way too complicated to use. 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. No private equity, no gimmicks, just the best budgeting

• 1:19:32Caleb Hammer?

  app there is. Download it now, start the free trial, dollarwise.com, link in the description below. If you or your child spent years growing up on social media and experienced serious mental health struggles, you should hear this. Recently, a jury ordered Meta and YouTube to pay millions for their role in designing and promoting addictive platforms. They knew their apps could contribute to anxiety, depression, and body image issues, but did not share those risks while prioritizing profits. The recent historic verdict underscores the consequences of those decisions. Now more.

• 1:20:07Speaker 00

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

• 1:20:32Caleb Hammer?

  Morgan and Morgan is stepping up to hold these platforms accountable for the harm they caused. Click the link in my bio to take a short quiz. You may be entitled to a potential recovery of over one thousand dollars.

• 1:20:43Speaker 04

  If there's medical risk, yes, you should go see a medical professional, but if you're a perfectly.

• 1:20:46Caleb Hammer?

  What if it happens during birth, even if you're hap- healthy? It still can happen.

• 1:20:51Speaker 04

  And it can happen in the hospital.

• 1:20:53Caleb Hammer?

  And I would rather be in a hospital if there's a medical emergency.

• 1:20:56Speaker 04

  Okay, if there's a medical emergency, is giving birth a medical emergency?

• 1:21:00Caleb Hammer?

  It can happen during a birth.

• 1:21:01Speaker 04

  It can happen in the hospital or at home.

• 1:21:03Caleb Hammer?

  And I would rather be in the hospital.

• 1:21:05Speaker 04

  Okay, I'm not disagreeing with you whether.

• 1:21:06Caleb Hammer?

  You actually were.

• 1:21:07Speaker 04

  You would rather be in the hospital, sure. But if you think about the process of giving birth, it is safer to have the baby at home if you are a healthy woman. It is. You do not have to rush to go to the hospital as soon as your water breaks. You don't have a bunch of strangers running around you telling you to do X, Y, and Z. You can have.

• 1:21:24Caleb Hammer?

  You think doctors are just running around giving you different information about what to do during birth?

• 1:21:28Speaker 04

  When you, have you been in a hospital during a birth, like during somebody giving?

• 1:21:31Caleb Hammer?

  You are telling me what happens?

• 1:21:33Speaker 04

  Have you been in a hospital when a woman gives birth?

• 1:21:35Caleb Hammer?

  No, so educate me. What happens is doctors running around giving you different information?

• 1:21:38Speaker 04

  There's doctors coming in and out of the room.

• 1:21:39Caleb Hammer?

  And they're all giving you different information of what to do during the birth.

• 1:21:42Speaker 04

  That come in and give you different information, one hundred percent. Yes.

• 1:21:45Caleb Hammer?

  That's what happens. They're coming in, hey, give birth. Hey, don't give birth. Hey, give birth. Push harder, push less.

• 1:21:49Speaker 04

  Exactly. Some might come in and say, push harder. Some might say, come in, push less. Some might say, hey, it's time for the epidural. Some might say, hey, it's not quite time for the epidural yet. A woman could say, hey, I don't want an epidural.

• 1:21:57Caleb Hammer?

  You've done lots of births?

• 1:21:59Speaker 04

  I've been in the room for multiple births, yes. I've been in the room for her birth. I've been in the birth for my mom's.

• 1:22:03Caleb Hammer?

  How many did you abandon?

• 1:22:05Speaker 04

  None. What? This is my first child. Come on. I saw my mom give birth and I saw my ex's mom give birth.

• 1:22:14Caleb Hammer?

  That's weird.

• 1:22:14Speaker 04

  I was in the room. I didn't like see her give birth, but I was like in the room, so.

• 1:22:18Caleb Hammer?

  Uh, for healthy, low-risk Hispanic women in the United States, hospital, hospital birth is statistically safer than planned home birth for the baby, primarily due to lower neonatal and perin- perinatal mortality risk. Risk. Absolute risks are low in both settings, but material outcomes show fewer interventions at home with material, with material mortality too rare for reliable comparison by setting.

• 1:22:44Speaker 04

  Bingo.

• 1:22:45Caleb Hammer?

  No, bingo. It's still opened with.

• 1:22:47Speaker 04

  What do you, what do you, what did it say? What is the ultimate statement there?

• 1:22:50Caleb Hammer?

  The alt.

• 1:22:51Speaker 04

  That it is pretty much just as safe to have your baby at home.

• 1:22:53Caleb Hammer?

  It didn't say, it said mortality is too rare for reliable comparison by setting. That's fair, but you can't tell me it's safer.

• 1:23:00Speaker 04

  Exactly what I just said.

• 1:23:01Caleb Hammer?

  Then you can't tell me it's safer.

• 1:23:02Speaker 04

  It's just as safe.

• 1:23:03Caleb Hammer?

  You didn't say that. You said it's safer.

• 1:23:04Speaker 04

  It's safer to have your baby at home as opposed to the hospital. It's not unsafe to have your baby in the hospital, but if you're a healthy woman, it is safe.

• 1:23:10Caleb Hammer?

  And now, part of it is because home births are uncommon overall, only about one percent of US births. So it is harder to gather information there. And even less rare, or even more rare among Hispanic women, CDC data shows point five percent in recent years give births at home. That's why it's actually very difficult.

• 1:23:27Speaker 04

  That's what's reported, though. That's what's reported.

• 1:23:28Caleb Hammer?

  But.

• 1:23:28Speaker 04

  I feel like that statistic doesn't take into account the fact that there's like a ton of Hispanics that aren't documented here, that wouldn't document that, that probably have their children at home.

• 1:23:35Caleb Hammer?

  Maybe, but you're just guessing at that point.

• 1:23:37Speaker 04

  What?

• 1:23:38Caleb Hammer?

  I would rather go off of just CDC data than guess.

• 1:23:39Speaker 04

  So you're saying that CDC data would account for all of the millions of illegal immigrants?

• 1:23:43Caleb Hammer?

  I would rather go off the data than pull out of my ass, yes.

• 1:23:46Speaker 04

  Okay, cool. And you're trusting the CDC, the same people that told you that vaccines were okay, but then updated their website and said that it does cause things like autism?

• 1:23:56Caleb Hammer?

  I don't even know what you're talking about, I'll be honest.

• 1:23:58Speaker 04

  I'm talking about your trust in the CDC and the information.

• 1:24:00Caleb Hammer?

  I would rather go off of that than, yes, you.

• 1:24:03Speaker 04

  I'm not saying go off of me. I'm just saying if you're going.

• 1:24:05Caleb Hammer?

  You're trying to have me take your advice.

• 1:24:06Speaker 04

  I'm saying that the CDC is fallible. I'm saying that their information has been proven wrong and been corrected in the past.

• 1:24:15Caleb Hammer?

  Okay, so this study right here out of the New England Journal of Medicine shows that at-home births for healthy individuals, even with a midwife, shows that the mortality rate for the child is about, oh, sorry, for, is it for the child or the woman? Let me make sure. For the child is two times higher at home than in the hospital for a healthy woman.

• 1:24:43Speaker 04

  Okay.

• 1:24:44Caleb Hammer?

  That is the Journal, New England Journal of Medicine.

• 1:24:46Speaker 04

  For the child or for the woman?

• 1:24:46Caleb Hammer?

  Child.

• 1:24:47Speaker 04

  Interesting.

• 1:24:48Caleb Hammer?

  Which, they still matter. And this one's, yeah. Uh, this one's from the American Journal of Estuaries and G, have become so better words, but a lot of the vaginal stuff. At home, it is three to four times higher.

• 1:25:07Caleb Hammer?

  So it's safer?

• 1:25:09Speaker 04

  Sure it's not.

• 1:25:09Caleb Hammer?

  So there's just no study that shows that it's safer. Yes, there is a lower percent of people doing at-home births, so it is hard to gather the data perfectly, but in all the studies at least done, it does show that it is statistically more dangerous at home. I'm just, when we're making the lives for something that didn't consent to come into the world, let's be actual informed instead of down a weird internet rabbit hole.

• 1:25:29Speaker 04

  Well, I was born at home.

• 1:25:31Caleb Hammer?

  So?

• 1:25:31Speaker 04

  So you're saying that like.

• 1:25:33Caleb Hammer?

  That's so anecdotal.

• 1:25:34Speaker 04

  It's not, okay, I'm not saying that it's not anecdotal, but you're.

• 1:25:37Caleb Hammer?

  What does it have to do with that?

• 1:25:38Speaker 04

  We didn't do our research before we had our baby at home. Like, you think we were just like.

• 1:25:42Caleb Hammer?

  Your research is watching Candace Owens, though.

• 1:25:43Speaker 04

  No, it's not. Check my YouTube history. See what.

• 1:25:46Caleb Hammer?

  I don't know. I'm listening to her. What am I supposed to go off of?

• 1:25:48Speaker 04

  I'm just saying, you know.

• 1:25:52Speaker 03

  So we got a bed.

• 1:25:54Caleb Hammer?

  We got a bed for that, yes. Yes, you sure did.

• 1:25:56Speaker 04

  We got a bed because we had a new baby.

• 1:25:58Caleb Hammer?

  Because you did a lot of coke.

• 1:26:01Speaker 03

  It's a really nice bed.

• 1:26:02Caleb Hammer?

  A lot of coke. Coke. Coke.

• 1:26:10Caleb Hammer?

  And also the National Library of Medicine. We have a fourth one.

• 1:26:12Speaker 03

  Okay, we get it. We get it.

• 1:26:13Caleb Hammer?

  Do you get it? Because the next time you have a kid, are you gonna be smart or are you gonna go down the rabbit hole?

• 1:26:18Speaker 03

  I didn't go down the rabbit hole. I did my own research and...

• 1:26:21Speaker 04

  Are you suggesting that it's more dangerous to have the baby at home?

• 1:26:24Caleb Hammer?

  Well, statistically, yes.

• 1:26:25Speaker 03

  My home birth was amazing. And I'm not saying that like for everyone it is, but for me it was really good.

• 1:26:30Caleb Hammer?

  I have, so I'm gonna talk to you. I have no issue with you having the kid at home, by the way. No issue with that. Do that. But if you're gonna sit here and tell me that it's safer and that's statistically wrong.

• 1:26:40Speaker 03

  But he...

• 1:26:41Caleb Hammer?

  A midwife doesn't, okay.

• 1:26:43Speaker 03

  Yeah, she, I mean, yeah. We had a plan also would, if, in case of emergencies and nothing happened, so.

• 1:26:49Caleb Hammer?

  No, and I'm very glad. Again, I'm not knocking the having to birth at home. Have it if you want to. But if you're gonna sit here at this table and tell me I have to cope all this spend because it is statistically safer to have the kid at home, when there is not one study, not one, not just the CDC, you can't just push back against that, not one study that backs that up, then I can't go along with it. Cope spend. Cope spend.

• 1:27:12Speaker 04

  Sure.

• 1:27:13Caleb Hammer?

  And then you put it on your mother, too, which is very...

• 1:27:15Speaker 04

  Of you. She didn't care.

• 1:27:18Caleb Hammer?

  Doesn't matter. My mom, my mom wouldn't care if I asked for money today and still be selfish.

• 1:27:22Speaker 04

  Has your mom ever got you a gift?

• 1:27:24Caleb Hammer?

  Yes.

• 1:27:25Speaker 04

  Okay, that was a gift from my mom.

• 1:27:26Caleb Hammer?

  That's okay. She's never gotten me a $5,000 gift.

• 1:27:28Speaker 04

  Well, my mom's cooler than yours.

• 1:27:29Caleb Hammer?

  Where you have to do a minimum payment. I think she's more, uh, easy to be manipulated.

• 1:27:35Speaker 04

  No, not at all. My mom's actually pretty hard to manipulate.

• 1:27:37Caleb Hammer?

  Hmm.

• 1:27:40Caleb Hammer?

  Who the f**k convinced her to go live in the middle of a wilderness? Sounds like she's actually very easy to f**k with in the brain. Yeah, where'd she get that from?

• 1:27:46Speaker 04

  Yeah, herself.

• 1:27:47Caleb Hammer?

  Sounds like she's gone down some weird rabbit holes like you.

• 1:27:50Speaker 04

  She's a little liberal. She's a little liberal.

• 1:27:51Caleb Hammer?

  That's liberal?

• 1:27:52Speaker 04

  Canada's very liberal, yeah.

• 1:27:53Caleb Hammer?

  Yeah, but living in the middle of the wilderness with no outside connections?

• 1:27:56Speaker 04

  Being an expat, yeah, it's pretty liberal. Like, just being like, I don't wanna be an American citizen anymore.

• 1:28:01Caleb Hammer?

  Oh, that's what it was about? It was about getting out of America?

• 1:28:03Speaker 04

  She got her Canadian citizenship.

• 1:28:04Caleb Hammer?

  Yeah, maybe then.

• 1:28:05Speaker 04

  Yeah.

• 1:28:07Caleb Hammer?

  Well, she has her poutine. That's great. $5,000, $277.78 a month. Why'd you tell me there's no credit cards? I have a secured Capital One credit card at $250.

• 1:28:17Speaker 04

  Yeah, I just got that. I just got that.

• 1:28:21Caleb Hammer?

  You told me at the beginning, I have no credit. What is wrong with this man?

• 1:28:24Speaker 03

  I did tell you that he got a credit card.

• 1:28:26Caleb Hammer?

  He gives me such contradicting information so frequently throughout this conversation.

• 1:28:30Speaker 04

  I needed to build my credit. I just got those.

• 1:28:32Caleb Hammer?

  Then maybe you should've got the affirm under your name.

• 1:28:34Speaker 04

  It wouldn't approve me because my credit was too bad.

• 1:28:36Caleb Hammer?

  Oh, so that's what it actually was? See this? See how this guy is? How much does he try to f**k gaslight you?

• 1:28:42Speaker 03

  I'm, I'm sure that you've noticed.

• 1:28:44Speaker 04

  I do not gaslight her.

• 1:28:46Speaker 03

  That's, when he tells you about the situations of the baby and all that, I'm sure you can understand now.

• 1:28:50Caleb Hammer?

  I understand now. That dude will f**k walk circles around a conversation.

• 1:28:54Speaker 04

  She knew about these credit cards. She knew about them.

• 1:28:56Speaker 03

  And I told you, and I told you about that.

• 1:28:57Caleb Hammer?

  See how you're f**k doing this?

• 1:28:58Speaker 04

  She told you about this credit card, too.

• 1:28:59Caleb Hammer?

  You see how you're trying to push information?

• 1:29:01Speaker 04

  You knew about the credit cards. You knew about the credit cards.

• 1:29:03Caleb Hammer?

  Me?

• 1:29:04Speaker 04

  Yeah, I just got them last week. That's why it's new.

• 1:29:05Caleb Hammer?

  I didn't know about, they, the producers did, probably?

• 1:29:08Speaker 04

  They're new.

• 1:29:08Caleb Hammer?

  Why would I know? Why would I give a fuck?

• 1:29:10Speaker 04

  They're new from the statements that you had before.

• 1:29:12Caleb Hammer?

  And I fell down his trap. That isn't what I pushed back against. And then he's just throwing all these things in here to get me off the topic I already was on.

• 1:29:21Speaker 04

  That's f**k dude. And they're secured.

• 1:29:22Caleb Hammer?

  No, you're a professional. You're a great gaslighter and getting off of any kind of pushback against yourself.

• 1:29:27Speaker 04

  There's zero balances on all of those.

• 1:29:31Caleb Hammer?

  $250?

• 1:29:32Speaker 04

  That's the limit. That's what I secured. That's what I paid for.

• 1:29:34Caleb Hammer?

  Then why'd you send that to us? You sent us the limit? Usually we're asking for balances.

• 1:29:38Speaker 04

  I have the, yeah, they're all zero balances.

• 1:29:39Caleb Hammer?

  Sell, sell. $500. That's zero?

• 1:29:41Speaker 04

  Zero balance, yeah.

• 1:29:41Caleb Hammer?

  Then why'd you send us these numbers?

• 1:29:43Speaker 03

  It was like an update.

• 1:29:44Speaker 04

  Yeah.

• 1:29:45Caleb Hammer?

  We were like, hey, what are the balances? And he sends us this, but apparently they're only the limits. Great. You're really good at following information.

• 1:29:50Speaker 04

  Okay, I sent everything and they asked me if there was anything that changed and I said, yeah, I got a few secured credit cards.

• 1:29:55Caleb Hammer?

  Yeah, here's these things. And he puts total down here. He doesn't say total limit. He doesn't say total limit.

• 1:30:01Speaker 04

  I did not send that. I did not.

• 1:30:03Caleb Hammer?

  You didn't send that? Who sent this?

• 1:30:04Speaker 04

  I don't know. That's not for me, though. I did not send that. I can show you on my, on my phone those, but they're all zero limits, zero, zero dollars. I just spent, what, five or a thousand bucks opening secured credit cards. I put $500 on one and $250 on two.

• 1:30:18Speaker 03

  You spent $1,000?

• 1:30:19Speaker 04

  Yeah, I spent, put $500 on one and $250 on two different.

• 1:30:22Caleb Hammer?

  So here's the chime, $1,000. What are you, what are you, are you doing anything with it? Oh, hold. Chime card account.

• 1:30:29Speaker 03

  He did give me a credit, one of the credit cards for gas on the new car. So...

• 1:30:39Caleb Hammer?

  So this is a chime checking?

• 1:30:40Speaker 04

  Yeah, so there's a chime checking.

• 1:30:42Caleb Hammer?

  In here, you're getting some bullshit at the gas station.

• 1:30:45Speaker 04

  Probably.

• 1:30:46Caleb Hammer?

  What'd you get in?

• 1:30:47Speaker 03

  He gets a lot of stuff at the gas.

• 1:30:48Caleb Hammer?

  What does he get?

• 1:30:50Speaker 03

  Coffee.

• 1:30:50Speaker 04

  Coffee, energy drinks.

• 1:30:51Caleb Hammer?

  Ugh, coffee at the gas station, energy drinks makes sense. Here, gamer subs, I would get the liquid assets. I don't have any extra of those to give out because they just came out. But it's the Caleb, it's our final, finally, we have liquid assets, the Caleb Hammer Financial Audit, flavored gamer sub. It is absolutely delicious. Go ahead and, yeah, they're very gooey, but ours isn't. It's liquid acid.

• 1:31:10Speaker 03

  Rob me?

• 1:31:11Caleb Hammer?

  But the thing is, they're actually really good. They're better than the energy drinks you get. We did a blind taste. They proved it. They're so good. Just check it out. 10%, 40 cents a servings. We got 10% off. Link in the description below. El Pollo, si tu eres no, Apple Bill. Well, if we had it, we would give it to you.

• 1:31:27Speaker 04

  Put some of that raw meat in your mouth.

• 1:31:29Caleb Hammer?

  For free.

• 1:31:32Caleb Hammer?

  El Mexicana Prime Video, Chance the Rapper, $1,500.

• 1:31:37Speaker 04

  Yeah, I bought some tickets to go see Chance the Rapper.

• 1:31:40Speaker 03

  Wait, how much was that?

• 1:31:40Caleb Hammer?

  $1,500.

• 1:31:41Speaker 04

  She knew that. I bought tickets, uh, meet and greet tickets for me, her, and then...

• 1:31:45Caleb Hammer?

  She has brain damage. She can't remember. You have to remind her.

• 1:31:47Speaker 04

  Uh, and then our, our friend that's babysitting our baby right now, I bought it for her and her husband, so we're all gonna go see each other. They're my, they're my friends.

• 1:31:54Speaker 03

  I didn't know.

• 1:31:55Caleb Hammer?

  Yeah, but you have debt. Pay it off, asshole.

• 1:31:57Speaker 04

  He's gonna pay me back.

• 1:31:57Caleb Hammer?

  You have a f**k kid.

• 1:31:58Speaker 04

  He's gonna pay me back.

• 1:31:59Caleb Hammer?

  So it's not a gift. You literally got someone else into debt. Happy Cactus, uh, energy drink, energy drink, Amazon, Uber Eats, Amazon, Amazon, Uber Eats, Apple Bill, Apple Store, Louis Vuitton, bullshit, churches, bullshit.

• 1:32:12Speaker 04

  Louis Vuitton was hers.

• 1:32:13Caleb Hammer?

  Uh, Church's Chicken.

• 1:32:17Speaker 03

  Wait, what is that?

• 1:32:18Caleb Hammer?

  Church's Chicken.

• 1:32:20Speaker 03

  What's that?

• 1:32:20Caleb Hammer?

  It's a chicken place.

• 1:32:23Speaker 04

  How much is it? I think I probably usually, like, I'll usually get like a drink or something when I'm drunk.

• 1:32:26Caleb Hammer?

  $100?

• 1:32:27Speaker 04

  At Church's Chicken?

• 1:32:28Caleb Hammer?

  Yeah.

• 1:32:28Speaker 04

  No way.

• 1:32:30Speaker 03

  Oh, gosh.

• 1:32:31Speaker 04

  There's no way.

• 1:32:32Caleb Hammer?

  No, that was...

• 1:32:33Speaker 03

  I didn't eat there, so...

• 1:32:36Speaker 04

  It's gonna be like five bucks.

• 1:32:38Caleb Hammer?

  You know, it just says church. Maybe I was just assuming.

• 1:32:39Speaker 04

  Oh, yeah, it's church. Yeah, it's church. That's a, that's tithings. Yeah. I give $100 every Sunday to a church.

• 1:32:44Caleb Hammer?

  I don't think that's the percent you're supposed to be giving if you're a good Christian man. Apple Bill, or Amazon, Amazon, Amazon. $100?

• 1:32:52Speaker 04

  At the end of the year, you make the difference, yeah.

• 1:32:54Caleb Hammer?

  Oh, you're gonna maybe be making a big difference.

• 1:32:56Speaker 04

  Make commissions, so.

• 1:32:57Caleb Hammer?

  Happy Cactus, uh, bullshit, coffee, Amazon. I mean, it's a lot of bullshit, dude. It's just an endless amount of bullshit. It's an endless amount of bullshit. Another chime checking again. Again, this is why I wouldn't, I didn't allow the ending balance to count because it goes up and down, up and down, up and down. So it's just like, it doesn't matter. But things are being transferred back and forth.

• 1:33:18Caleb Hammer?

  Yeah, and then the spot me line of credits is nothing.

• 1:33:24Caleb Hammer?

  My pay, and it's nothing. It's just, again, money's in, money's out, but that's what's confusing. It's just like, it gets weird. Oh, you owe money in taxes. I'm much better than all your other guests.

• 1:33:32Speaker 04

  No, I knew you were gonna chew me up about that.

• 1:33:34Caleb Hammer?

  Well, yes, because you owe money in taxes.

• 1:33:36Speaker 04

  Yeah. I paid off half, almost half of it.

• 1:33:39Caleb Hammer?

  You sure did at some point, but why do you owe money on taxes in Form 1?

• 1:33:42Speaker 04

  Um, so 21, 22, I owed taxes for...

• 1:33:46Caleb Hammer?

  Why? What were you doing?

• 1:33:47Speaker 04

  I was just working a regular job, but I filed myself and I did something wrong. So I owed like 2,000, and then I owed like 6,000 for those years, and then...

• 1:33:56Caleb Hammer?

  But it got up to 23.

• 1:33:58Speaker 04

  Yeah, because 24 and 25, I owed like 7,5, 7,500 bucks for those two years. Um, and that's because I was making commission.

• 1:34:05Caleb Hammer?

  And we owe $13,600 today.

• 1:34:08Speaker 04

  Yeah.

• 1:34:09Caleb Hammer?

  Is it a payment plan?

• 1:34:10Speaker 04

  No, so they got...

• 1:34:11Caleb Hammer?

  How do you feel about him owing so much in taxes? That's crazy.

• 1:34:14Speaker 04

  Yeah, she's not a f**k.

• 1:34:15Speaker 03

  Yeah.

• 1:34:15Caleb Hammer?

  You're going and buying a Porsche Cayenne when you owe money in taxes?

• 1:34:19Speaker 04

  I paid off half the taxes before I got the Porsche.

• 1:34:22Caleb Hammer?

  Uh, you should've paid off all the taxes before you got the Porsche.

• 1:34:24Speaker 04

  But I couldn't get the Porsche.

• 1:34:25Caleb Hammer?

  Fuck you and your Porsche. You have a child. I don't give a shit.

• 1:34:27Speaker 04

  I needed a car for my child to get around.

• 1:34:29Caleb Hammer?

  Not a Porsche.

• 1:34:29Speaker 04

  Yeah, but it's a nice family car.

• 1:34:31Caleb Hammer?

  If you've got a nice family car, that's not a Porsche.

• 1:34:34Speaker 04

  But it was about the same price as what I would've gotten.

• 1:34:35Caleb Hammer?

  It's a dream car. It's a 20% interest, you selfish gold digger.

• 1:34:39Speaker 03

  I didn't know that.

• 1:34:41Speaker 04

  It is 20%.

• 1:34:41Caleb Hammer?

  Listen, it's not that much, but it's a 20% interest, which is insane.

• 1:34:44Speaker 04

  Yeah, it's insane.

• 1:34:45Caleb Hammer?

  $8,371.20. Well, that's great. It's at a 20% interest rate today and you're not. So I don't give a f**k.

• 1:34:51Speaker 04

  We would like to pay it off in a year.

• 1:34:53Caleb Hammer?

  Congratulations. You're not. I don't give a f**k. You also owe money on taxes still. Guys, I love the financial audit guests that come on and they get all the bad down. They're like, I would like to pay it off. Wow. What a gold star. Walk out of here. You solved your issue.

• 1:35:06Speaker 04

  We've been paying it off.

• 1:35:07Caleb Hammer?

  Congratulations. You owe money on taxes and you have a minimum payment of $252.66. You're not paying it off.

• 1:35:15Speaker 03

  I think he also co-signed that with his mom.

• 1:35:17Speaker 04

  Yeah, my mom co-signed the Porsche.

• 1:35:19Caleb Hammer?

  Okay, CarMax. What is, what did we give in CarMax?

• 1:35:21Speaker 04

  That's my truck.

• 1:35:24Caleb Hammer?

  You drive, you do sales. Why are you driving a truck?

• 1:35:26Speaker 04

  So I got that truck at 2024. Whenever I was doing a lot of traveling, we were driving around, moving to different states. I need something to like pack up all my stuff in. I didn't have a car.

• 1:35:35Caleb Hammer?

  Don't get a f**k.

• 1:35:36Speaker 04

  There's nothing...

• 1:35:37Caleb Hammer?

  SUV? I don't know.

• 1:35:38Speaker 04

  No, I just need something that I could throw everything in the back and then just move in a moment's notice.

• 1:35:42Caleb Hammer?

  What do you still owe on it today?

• 1:35:43Speaker 04

  $20,000.

• 1:35:44Caleb Hammer?

  This has gone down nowhere.

• 1:35:46Speaker 04

  Yeah.

• 1:35:46Caleb Hammer?

  Um, because you borrowed 25. Again, a 20% interest rate?

• 1:35:50Speaker 04

  Yeah.

• 1:35:51Caleb Hammer?

  $20,000. You have a minimum monthly payment of what?

• 1:35:55Speaker 04

  610, 615.

• 1:35:58Speaker 03

  That's why we needed the Porsche, because the truck is so hard to drive.

• 1:36:01Caleb Hammer?

  Shut up, gold digger.

• 1:36:04Caleb Hammer?

  Guys, we're so much better. And here we go. A pass due...

• 1:36:08Speaker 04

  On what?

• 1:36:09Caleb Hammer?

  Exeter.

• 1:36:11Speaker 04

  Passed to an Exeter? What, when?

• 1:36:14Caleb Hammer?

  Hmm, I don't think so. It read weird. But what is this Exeter for?

• 1:36:17Speaker 04

  Uh, that's the car. That's the truck.

• 1:36:19Caleb Hammer?

  So it's the same thing?

• 1:36:20Speaker 04

  Yeah, yeah.

• 1:36:21Caleb Hammer?

  No, this is a different loan, is it not?

• 1:36:23Speaker 04

  No, it's the same thing.

• 1:36:24Caleb Hammer?

  It's just the second page?

• 1:36:25Speaker 04

  Yeah, it's the same thing.

• 1:36:27Caleb Hammer?

  Okay.

• 1:36:29Caleb Hammer?

  Student loans, let's see. Let's read it. Correctly. How'd you? How'd you get forty six thousand eight hundred forty three dollars to student loan debt?

• 1:36:37Speaker 04

  I went to college.

• 1:36:38Caleb Hammer?

  For what?

• 1:36:39Speaker 04

  Neuroscience.

• 1:36:41Caleb Hammer?

  Listen, whenever you decide to work again, if you ever do, instead of being a lazy spoiled bitch for your entire life, I'll get you a course career certification. So you can get back out there. A lot of people in the audience have converted them into six-figure jobs, okay?

• 1:36:52Speaker 03

  Okay, thank you.

• 1:36:53Caleb Hammer?

  Mm hmm.

• 1:36:53Speaker 03

  That'd be great.

• 1:36:54Caleb Hammer?

  And I'll get you, you already got, you both have chime?

• 1:36:57Speaker 03

  Yes.

• 1:36:57Caleb Hammer?

  Okay, I like chime. Chime's a great checking account.

• 1:36:59Speaker 03

  I got chime because of you, so.

• 1:37:01Caleb Hammer?

  Yeah, chime's great.

• 1:37:01Speaker 04

  I've had them since two thousand fifteen.

• 1:37:02Caleb Hammer?

  I don't need to get you on there. Lots of benefits those for people to sign up in my.

• 1:37:05Speaker 04

  I'm actually chime premium. I got the, the metal card.

• 1:37:08Caleb Hammer?

  Oh, look at you. Forty six thousand dollars, eight hundred forty three dollars. What's your minimum to payment on these student loans? Three twenty one?

• 1:37:16Speaker 04

  Yeah.

• 1:37:17Caleb Hammer?

  What were you studying?

• 1:37:18Speaker 04

  Uh, neuroscience.

• 1:37:20Caleb Hammer?

  Okay.

• 1:37:23Speaker 04

  Biology.

• 1:37:23Caleb Hammer?

  This is, okay, well, zero dollars, so it doesn't matter. This was late at one point, but I, it's zero.

• 1:37:30Caleb Hammer?

  Oh, you were very late on the student loans and then you're like, oh shit.

• 1:37:33Speaker 04

  Yeah, I didn't pay those for some time. I made like.

• 1:37:35Caleb Hammer?

  Sally Mae, they're in collections?

• 1:37:36Speaker 04

  Yeah, I got like.

• 1:37:37Caleb Hammer?

  How are, you're saying you're better than others?

• 1:37:39Speaker 04

  Yeah. Well, I, I was working with a credit repair company and they did get it taken off and they recently just put them back on, I think.

• 1:37:44Caleb Hammer?

  Whoopsie, one thousand eight hundred nineteen dollars.

• 1:37:48Speaker 04

  Yeah.

• 1:37:53Speaker 04

  I think that's the only Sally Mae though, is that eighteen hundred dollars.

• 1:37:56Caleb Hammer?

  One thousand eight hundred nineteen dollars, yeah, but it's in collections, okay. Oh, no, there's more, more Sally Mae.

• 1:38:01Speaker 04

  Oh, great.

• 1:38:02Caleb Hammer?

  Four thousand five hundred thirteen dollars.

• 1:38:06Caleb Hammer?

  Uh, Department of Education.

• 1:38:08Speaker 03

  What, what is that?

• 1:38:09Caleb Hammer?

  Well, it's on your credit report, unless it's on hers, man.

• 1:38:11Speaker 04

  No, it's on mine.

• 1:38:12Caleb Hammer?

  Okay, this is student loans, we already went through that. I see systems, you have another collections, two hundred four dollars.

• 1:38:18Speaker 04

  Two hundred and four dollars, I see systems.

• 1:38:21Caleb Hammer?

  Yeah, not paid off at all.

• 1:38:23Speaker 04

  I have no clue.

• 1:38:24Caleb Hammer?

  You don't know what that's for?

• 1:38:24Speaker 04

  I have no clue what that would be for. I made some bad decisions in my twenties, man.

• 1:38:28Caleb Hammer?

  And then you, okay, here's your chime. So she's getting Groupon, uh, church, Apoyo, McDonald's, bullshit, some Ramones, some Ramon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon.

• 1:38:40Speaker 04

  I told you she was the spender.

• 1:38:40Caleb Hammer?

  Amazon, Amazon, you worked, no, you actually spent more than her.

• 1:38:43Speaker 04

  Yeah, I know.

• 1:38:44Speaker 03

  Yeah.

• 1:38:44Caleb Hammer?

  On your checking account. And again, this is why I don't count what's in your checking, because everything goes in and out, so I'm not going to count the total savings. Your savings is twelve thousand across the board, and that's not going to do it. You said you already took some. Combined, if you go through it, it's just all bullshit. It's all bullshit. Is this a different checking account, this combined one?

• 1:39:03Speaker 04

  Um, which one?

• 1:39:04Caleb Hammer?

  Chime?

• 1:39:04Speaker 04

  No, so.

• 1:39:05Caleb Hammer?

  Combined account activity. Oh, this is all your accounts together.

• 1:39:08Speaker 04

  Yeah.

• 1:39:11Speaker 03

  Have you gone to my stuff yet?

• 1:39:13Caleb Hammer?

  Thirteen, yeah, we did one of your checking accounts. Playstation, Playstation. Was that pool hard hit really that bad?

• 1:39:22Speaker 03

  I'm so confused.

• 1:39:23Speaker 04

  Yeah, it was, yeah, it was pretty bad.

• 1:39:26Caleb Hammer?

  Okay, ten thousand.

• 1:39:27Speaker 04

  Yeah, when you hit.

• 1:39:27Caleb Hammer?

  Into your savings, but down from twelve. Down from twelve.

• 1:39:30Speaker 03

  Wait, what?

• 1:39:31Caleb Hammer?

  Your savings from twelve thousand down to ten.

• 1:39:36Speaker 04

  Yeah.

• 1:39:37Speaker 03

  Well, I get, well, so when I opened the PNC account, they, they told me that I had to keep five thousand dollars in my checking or else I would get a draft fee.

• 1:39:46Caleb Hammer?

  Spending in that checking account there, but I'm talking about your savings, dude.

• 1:39:49Speaker 03

  Oh, well.

• 1:39:50Caleb Hammer?

  And in yours, it went from twelve thousand to fourteen thousand, but that was your checking account. Everything's in and out, so it's hard. Bullshit, bullshit, bullshit. It's just, again, more and more and more bullshit.

• 1:39:58Speaker 04

  Yeah, it's a lot of bullshit.

• 1:40:00Speaker 03

  I don't really spend for my PNC though.

• 1:40:02Caleb Hammer?

  This is late, now it's in collections, twenty one thousand dollars from Global Lending Services, auto loan.

• 1:40:07Speaker 03

  That was the, uh, my car loan.

• 1:40:08Speaker 04

  Oh, it's not.

• 1:40:09Caleb Hammer?

  It just went into collections.

• 1:40:10Speaker 04

  No, it shouldn't be, because we, no, I, I believe you, it's in collections, but she has gap coverage on it and like they didn't pay it off in time and then they sent it to collections and then we were working with them to like.

• 1:40:20Caleb Hammer?

  Okay, so you're still working with them?

• 1:40:22Speaker 04

  No, no, no, we, we got that settled.

• 1:40:24Caleb Hammer?

  So it's done?

• 1:40:24Speaker 04

  Yeah, we just have to call, I guess, call them and.

• 1:40:26Caleb Hammer?

  Call them.

• 1:40:27Speaker 04

  Get that taken off. There's no debt owed on it.

• 1:40:29Caleb Hammer?

  And three thousand in someone's retirement, who's?

• 1:40:32Speaker 04

  Uh, mine. It's like four thousand now.

• 1:40:35Caleb Hammer?

  Okay, yeah, as a household, you guys are dramatically behind.

• 1:40:38Speaker 04

  Yeah, I know.

• 1:40:38Caleb Hammer?

  On retirement. Okay, let's start a budget with this. Very interested, especially for a high income earning. So, okay, income, twelve thousand five hundred, what's your rent?

• 1:40:48Speaker 04

  Twenty one hundred.

• 1:40:49Caleb Hammer?

  Okay, all utilities plus internet combined?

• 1:40:52Speaker 04

  Hmm.

• 1:40:55Speaker 03

  Like twenty four? Oh, wait, no, the rent is twenty one and then, and utilities is like.

• 1:41:00Caleb Hammer?

  Electric, gas, water, internet, come on.

• 1:41:03Speaker 04

  It's like three fifty.

• 1:41:05Caleb Hammer?

  Okay. Phone bill?

• 1:41:08Speaker 04

  Uh, one sixty seven.

• 1:41:10Caleb Hammer?

  Why?

• 1:41:11Speaker 04

  T-Mobile, two lines.

• 1:41:12Caleb Hammer?

  Okay, well, T-Mobile, same towers with helium for fifteen bucks a line. If you don't want your phone, I would literally switch today.

• 1:41:18Speaker 04

  Poor, do you use helium or T-Mobile?

• 1:41:20Caleb Hammer?

  Uh, T-Mobile, because I can afford it and it's in my budget.

• 1:41:22Speaker 04

  We were not poor.

• 1:41:23Caleb Hammer?

  No, you can't. You literally are poor. You're broke, you can't afford shit. So you won't switch.

• 1:41:27Speaker 04

  They include, they.

• 1:41:28Caleb Hammer?

  It's the same service, dude.

• 1:41:29Speaker 04

  They include Netflix and stuff like that. They include some subscription services.

• 1:41:31Caleb Hammer?

  You don't need it to survive. Use YouTube, it's better. I'll put one fifty for now, but you should switch. Uh, gas, vroom, vroom, drive, drive.

• 1:41:39Speaker 04

  That's, um, three hundred a month.

• 1:41:42Caleb Hammer?

  Okay, car insurance?

• 1:41:44Speaker 04

  Um, I pay it every six months. It's like thirty two hundred bucks every six months.

• 1:41:51Caleb Hammer?

  Okay, poof, really? So five thirty three a month?

• 1:41:54Speaker 04

  Uh, for both cars, full coverage, yeah.

• 1:41:57Caleb Hammer?

  Yikes, dude, you guys are getting.

• 1:41:58Speaker 04

  Terrible, terrible, yeah, we have terrible driving.

• 1:42:00Caleb Hammer?

  Debt payment is, shit, I just had it.

• 1:42:14Caleb Hammer?

  One thousand four hundred sixty six dollars and ninety four cents. Yeah, and you're telling me you don't need to do poor people things? Yes, you do. Groceries, kids on titty, right?

• 1:42:24Speaker 03

  Yeah.

• 1:42:24Caleb Hammer?

  Six hundred bucks then. Meal prep, meal prep. TP fund, anything else for you and the kids? And I know diapers and all this shit, okay, three hundred dollars. Medical health care, they're copays monthly basis?

• 1:42:32Speaker 04

  Um, no, she, hers is free, mine comes up.

• 1:42:35Caleb Hammer?

  Wick and Medicaid?

• 1:42:36Speaker 04

  Yeah.

• 1:42:37Speaker 03

  Yeah.

• 1:42:38Speaker 04

  We're not married.

• 1:42:39Caleb Hammer?

  I know, but your finances, it should, it should have counted. It's kind of disgusting.

• 1:42:44Speaker 04

  She's a single mom.

• 1:42:46Caleb Hammer?

  It should have counted. That is disgusting. What, what do you get?

• 1:42:49Speaker 03

  Um, I get like fifty dollars of fruits and veggies and then the rest, they just like give me like.

• 1:42:56Speaker 04

  Like milk eggs.

• 1:42:57Caleb Hammer?

  How, okay, so we can.

• 1:42:58Speaker 04

  It's not like a dollar amount and.

• 1:43:00Caleb Hammer?

  Okay, then I'm putting four hundred for groceries, medical healthcare, what are your copays on a monthly basis?

• 1:43:03Speaker 04

  Zero, but we also bought a quarter cow, so we don't have to really buy meat anymore, so.

• 1:43:07Caleb Hammer?

  That's weird. Okay, subscriptions, fifty dollars. I'll try. Uh, is there a gym?

• 1:43:14Speaker 04

  Yeah, a hundred thirty dollars a month.

• 1:43:16Caleb Hammer?

  Okay.

• 1:43:18Caleb Hammer?

  Anything else that needs to be in this budget?

• 1:43:22Speaker 03

  Um, like my monthly maintenance?

• 1:43:26Caleb Hammer?

  I did, I put the TP fund as three hundred. I thought you watched the show.

• 1:43:30Speaker 03

  Oh.

• 1:43:31Caleb Hammer?

  And I don't care what you think your monthly maintenance is outside of that. It's not.

• 1:43:35Speaker 03

  Not a lot.

• 1:43:36Caleb Hammer?

  Nope. Uh-oh, almost like you have the budget for the first time in your life. Okay, so because you guys have a lot of leftover money, what I'll try to do is give you a thousand dollars for bullshit. There you go, you put that towards what you want, okay? But that's because you guys make a lot of money. If sales go down, you cut that as the first thing.

• 1:43:51Speaker 04

  Yeah.

• 1:43:53Caleb Hammer?

  That gives you an extra five thousand, it's called, five thousand seven hundred fifty on a monthly basis. Well, all debt besides the student loans.

• 1:44:09Speaker 03

  Do you need help?

• 1:44:14Speaker 04

  Don't help him. Let him be disorganized. I'm just kidding, he's helping us.

• 1:44:17Caleb Hammer?

  Okay, pay off your taxes, literally, two and a half months, what is wrong with you? Prioritizing a portion of all this shit, you're.

• 1:44:25Speaker 04

  You only live once, man.

• 1:44:27Caleb Hammer?

  Uh, yep, so pay your taxes. I'm like, what?

• 1:44:30Speaker 04

  Government's not going anywhere, actually.

• 1:44:32Caleb Hammer?

  Well, they're coming to get you. So take away the student loans,

• 1:44:39Caleb Hammer?

  add in the collections for pay off your debt and.

• 1:44:47Speaker 03

  What's your dog's name?

• 1:44:48Caleb Hammer?

  Nine months, corn impair. Okay, nine months and you pay off your debt. What the fuck are you guys doing? You're just acting like children, you're selfish, even though you have a kid. Fix this, get a fully funded emergency fund. Get your shit together, guys. What a pathetic, that's pathetic.

• 1:45:04Caleb Hammer?

  Let's see who's really cheating today. So I'm going to go through their phones in the post show, you know I always find something, it's going to be incredible. We might call the mom as well. So let's get the Hammer Financial Score first, though. Spending in a budget, you overspent, zero out of ten, debt, you have collections, zero out of ten, emergency fund.

• 1:45:19Caleb Hammer?

  For your guys' actual needs to survive, well, it's about a six out of ten, retirement, very behind for the household, very behind. Uh, I'd say two out of ten, real estate, zero out of ten. So certainly it is that savings that got you, but it needs to go towards debt, really. You can wipe it off in actually like six months with throwing that towards it.

• 1:45:39Caleb Hammer?

  Real Hammer Financial Score, and I bet if you check it now that we've updated it, it's going to be a two out of ten, get you to CalebHammer.com. Now join us in the financial audit post show by joining Hammer Elite by clicking that join button below. You get three premium incredible shows every single day, six days a week, and you can also join in on the Hammer Elite app or by going to HammerElite.com. See you in the post show. Usually the women are more interesting, but this time, maybe it'll be the man's phone.

• 1:46:05Speaker 03

  He's not going to have anything.

• 1:46:06Caleb Hammer?

  Oh, we'll see. Who's that? Who's this?

• 1:46:10Speaker 04

  You sure?

• 1:46:10Caleb Hammer?

  Veronica. Why are you sending I, like, I reaction emojis like her working out? I just launched the brand new Hammer Elite app, available on every major platform, so you can watch every show anywhere you want. You'll get three exclusive dedicated shows every single day, Monday through Saturday. Refer a friend after you sign up and you get an additional thirty days of Hammer Elite access for free. Download the Hammer Elite app by using the link in the description or pin comment down below. This is the best membership you'll ever join, and that's a promise. 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,

• 1:46:51Caleb Hammer?

  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 slash apply or click that link in the description below.

• 1:47:02Speaker 01

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