Financial Audit's Craziest Divorce

WE CALLED HIS DAD and the convo is wild; he literally thinks his dad is going to disown him just like they did his sister... watch the post show: https://hamr.link/ytjoin OR download the brand new Hammer Elite App ➡ https://hammerelite.com/#join (discounted annual) MY NEW FLAVOR IS FINALLY LIVE!! Get Liquid Assets *NOW* for under 40 cents per serving, up to 6 free gifts and 10% off your entire order with code CALEB - https://hamr.link/calebdrank 💰 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 👉 Get 5% Cash Back with Chime Card and qualifying direct deposits ➡ https://bit.ly/4bff5by 👉 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 ============================= 🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb 🔥 Get Your Own *Hammer Financial Score* → https://hamr.link/newquiz ============================= *Sponsors for This Video* ============================= You’re 30 seconds away from being debt free with PDS Debt. Get your free assessment and find the best option for you at https://PDSDebt.com/hammer If you or someone you know experienced serious mental health struggles as a result of social media use, you may be entitled to a potential recovery of over $1,000. Visit https://morganmorganpa.sjv.io/c/7273707/3841482/23429?sharedid=caleb-hammer to submit a claim now. ============================= *Education* ============================= 👉 Get access to EVERYTHING I offer all in one place: https://bit.ly/4sUm2pb ⚡Learn how to budget: https://bit.ly/4sspyGh ⚡Learn how to invest: https://bit.ly/41mr8OP ⚡Pay off your debt: https://bit.ly/41mr8OP ============================= *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 01:20 Jobs & Income 03:50 theyre both so easy lol 07:00 thank god for the whiteboard 12:30 HOW HARD IS IT TO BE LOYAL 17:45 chat, do we believe that their relationship is "different" from the rest loooL 21:00 the whiplash of topic changes is kinda crazy 29:00 she has "friends" he doesnt have to worry about lol 32:40 wonder what else shes hiding... 41:00 hes actually so pathetic lmao 53:00 bullsh*t bullsh*t bullsh*t 01:08:50 $10,000 DOWN THE DRAIN??? 01:18:20 imagine still owing cause of an ex loool 01:33:45 Budget!! ============================= Want more content? ============================= 🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips 🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel 🍿 Caleb Hammer Top Videos https://www.youtube.com/@CalebHammerTopVideos ============================= *Connect with me!* ============================= TikTok: https://www.tiktok.com/@calebhammercomposer X: https://x.com/sircalebhammer IG: https://www.instagram.com/calebhammercomposer/ Facebook: https://www.facebook.com/calebhammercomposer/ ============================= *Want to be a guest on Financial Audit?* ============================= 👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply *Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. Sponsorship and business inquiries: [email protected] Learn more about your ad choices. Visit megaphone.fm/adchoices

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

• 0:00Speaker 00

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

• 0:29Caleb Hammer?

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

• 0:32Speaker 02

  She went and filed some charges on me for some domestic stuff.

• 0:36Caleb Hammer?

  What did she say?

• 0:37Speaker 02

  That I pushed her down.

• 0:38Speaker 03

  He was drinking and driving with the kids in the car.

• 0:40Caleb Hammer?

  In the conclusion?

• 0:41Speaker 02

  My attorney told me that there was a warrant out for my arrest.

• 0:44Caleb Hammer?

  Oh, you went to jail? Why are you sending all this to [BLEEP]? You said friend. We're not sending friends this.

• 0:51Speaker 03

  Yeah, but...

• 0:52Caleb Hammer?

  Would you be insulted if she sent nudes to another guy?

• 0:55Speaker 02

  Very.

• 0:55Speaker 03

  That's [BLEEP] dumb. That mindset is [BLEEP] dumb.

• 0:58Caleb Hammer?

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• 1:28Speaker 03

  This is Virginia. I'm 26.

• 1:30Speaker 02

  And I'm Tony, and I'm 28, and we're from Waco, Texas.

• 1:33Speaker 03

  And this is Financial Audit.

• 1:36Caleb Hammer?

  Hey, thanks for coming. Austin, guys, happy to have you. Virginia, what are you doing in Waco, Texas for a living?

• 1:42Speaker 03

  I am a patient care technician at a dialysis clinic.

• 1:46Caleb Hammer?

  Sure, I hope you make money. Do you make money? What do you make?

• 1:48Speaker 03

  I make 22, 14 an hour right now.

• 1:52Caleb Hammer?

  Okay, you didn't seem confident in that number, but then you gave a very exact cent.

• 1:57Speaker 03

  Yes, because I'm supposed to... We were supposed to have raises put in on Monday, but they didn't put them in yet.

• 2:02Caleb Hammer?

  Well, what's it gonna be? Do you know what you're gonna make?

• 2:03Speaker 03

  I have no clue.

• 2:04Caleb Hammer?

  How do you not know what you're gonna make?

• 2:05Speaker 03

  Because they didn't tell me how much of a raise I was getting.

• 2:07Caleb Hammer?

  Okay, maybe you didn't get a raise. So what is your... How many hours a week?

• 2:12Speaker 03

  Uh, on average, probably 44, but it kind of varies.

• 2:16Caleb Hammer?

  Cool. What's your per paycheck pay?

• 2:20Speaker 03

  I want to say...

• 2:20Caleb Hammer?

  Hopefully, it's going up again. We just don't know how much. It's probably gonna be like a 2%, 3% thing.

• 2:24Speaker 03

  Yeah, I'm hoping for five. But right now, it's about 1,400 every two weeks.

• 2:30Caleb Hammer?

  1,400 every two weeks. Good. So, Tony?

• 2:36Speaker 02

  I do field service on compressors and such. I make...

• 2:40Caleb Hammer?

  More trades related?

• 2:42Speaker 02

  Yes.

• 2:42Caleb Hammer?

  Could be more money. Let's see.

• 2:43Speaker 02

  I make 70K a year, but I pay a lot in child support. And so my bring home is...

• 2:49Caleb Hammer?

  Well, that was your fault. That's not your job. Your job's good. Trades are good.

• 2:52Speaker 02

  Yeah, that's all me.

• 2:54Caleb Hammer?

  Why are you dumping loads, dude? Are you guys married?

• 2:58Speaker 02

  No, not yet.

• 2:59Caleb Hammer?

  Are you gonna get married?

• 3:00Speaker 03

  Yes.

• 3:00Speaker 02

  Yes, next year.

• 3:05Caleb Hammer?

  How many times have you been married?

• 3:07Speaker 02

  Twice.

• 3:08Caleb Hammer?

  Okay, you're 28.

• 3:11Caleb Hammer?

  We're gonna be... You're giggling about that. That would actually make me incredibly nervous.

• 3:15Speaker 03

  I've also been married one time before.

• 3:17Caleb Hammer?

  What the [BLEEP] is wrong with you guys? You're 26, dude.

• 3:19Speaker 03

  Yeah.

• 3:20Caleb Hammer?

  What the [BLEEP] is wrong with you? How have you guys been married this many times?

• 3:25Speaker 02

  Uh, I had a bad problem with thinking with my little head instead of the big one.

• 3:29Caleb Hammer?

  Yeah, I don't get married based on a penis. I [BLEEP] based on a penis. I don't propose with my penis. The [BLEEP] are you talking about?

• 3:36Speaker 02

  Was... I was coerced. Not like coerced, coerced, but like she...

• 3:40Caleb Hammer?

  Oh, I was coerced, except for, you know, I wasn't actually really coerced. What are you saying?

• 3:44Speaker 02

  She was pushing me and just...

• 3:47Caleb Hammer?

  That's why you're saying no?

• 3:48Speaker 02

  Yeah, it was...

• 3:49Caleb Hammer?

  Well, you got [BLEEP] into marriage?

• 3:51Speaker 02

  No, I was just... I was in a bad spot because of the first divorce. It was pretty short after that. It was bang, bang, pretty short timeline.

• 3:58Caleb Hammer?

  What's so short?

• 3:59Speaker 03

  Literally.

• 3:59Speaker 02

  Like the... Just, you know, a few months. Well, probably a month after it happened.

• 4:04Caleb Hammer?

  How long have you been divorced since your last divorce?

• 4:08Speaker 02

  About a year.

• 4:09Caleb Hammer?

  Okay, that's kind of... Are you guys engaged?

• 4:11Speaker 03

  Yes.

• 4:11Caleb Hammer?

  Okay, that's kind of bang, bang again. How have you not learned this lesson? This is [BLEEP] insane. What is wrong with you guys? How long were you with your first?

• 4:19Speaker 02

  We were together for about seven years.

• 4:22Caleb Hammer?

  When did you get married? How old were you?

• 4:24Speaker 02

  Uh, 19.

• 4:25Caleb Hammer?

  Uh-huh.

• 4:26Speaker 03

  Oh, I didn't know that. I never, like, looked at the timeline, so I never knew.

• 4:32Caleb Hammer?

  Okay, how long were you with your second?

• 4:35Speaker 02

  Uh, about a year. The entire... We got married within four months of knowing each other.

• 4:41Caleb Hammer?

  Now, why are you having so many kids?

• 4:43Speaker 02

  That was with my high school sweetheart.

• 4:46Caleb Hammer?

  I guess you were together for a while, so it's the...

• 4:49Speaker 02

  That's ultimately what led to the first marriage.

• 4:51Caleb Hammer?

  Why'd you get divorced?

• 4:52Speaker 02

  I was cheating on her.

• 4:58Caleb Hammer?

  This [BLEEP] show. You didn't know that? Nobody...

• 5:05Caleb Hammer?

  Oh, giggle about... He's giggling about cheating on his first wife when you were about to be his third.

• 5:11Speaker 03

  Yeah, I also didn't actually know that's why they broke up. I knew they were cheating...

• 5:16Caleb Hammer?

  You're learning about that now?

• 5:17Speaker 03

  Back and forth on each other for a little bit. Um, I don't remember if you...

• 5:22Caleb Hammer?

  Tony, what'd you do? What was happening?

• 5:24Speaker 02

  I was just off working on the road and...

• 5:27Caleb Hammer?

  Huh?

• 5:28Speaker 02

  I was traveling for work. I was doing wind turbines.

• 5:30Caleb Hammer?

  Lizards?

• 5:31Speaker 02

  No, no, no, no, no, no. Just tender, going on dates. Because I would be in the area for three to six months and...

• 5:38Caleb Hammer?

  Oh, my gosh, but why didn't you just, like, try to do like open or just break up or something? You had kids with this woman. Why didn't you, like, ask permission or something? Because I'd get it. Six months constantly somewhere? I mean, yeah, I would struggle.

• 5:52Speaker 02

  Uh, she definitely wasn't open to it.

• 5:55Caleb Hammer?

  Well, did you talk about it?

• 5:56Speaker 02

  Not like ever.

• 5:57Caleb Hammer?

  Well, then you don't [BLEEP] know. But either way, even if she wasn't, if she isn't, then if you're a loyal husband, don't. How... How often were you...

• 6:05Speaker 02

  It only happened a couple of times.

• 6:07Caleb Hammer?

  Uh-huh, how many years then?

• 6:08Speaker 02

  That was like all right at the end. I went out on the wind turbines and within six months, we separated.

• 6:15Caleb Hammer?

  What the [BLEEP]? How'd she find out?

• 6:17Speaker 02

  Uh, so...

• 6:19Caleb Hammer?

  This show and adultery.

• 6:20Speaker 02

  The...

• 6:20Caleb Hammer?

  It's crazy.

• 6:21Speaker 02

  My Snapchat had my first and last name on it, and one of the girls looked me up on Facebook and saw our profile and messages.

• 6:29Caleb Hammer?

  She outed you.

• 6:32Caleb Hammer?

  Yeah, you deserve it. Wow, what happened?

• 6:35Speaker 02

  Uh, we talked about it, argued for a while.

• 6:39Caleb Hammer?

  Argued? Oh, no, I stuck my dick in another woman without your permission.

• 6:42Speaker 02

  Yeah.

• 6:43Caleb Hammer?

  So really, an argument to be had?

• 6:44Speaker 02

  It was more just like her yelling at me.

• 6:46Caleb Hammer?

  Yeah.

• 6:46Speaker 02

  And upset about it, not so much like an argument back and forth. And then...

• 6:51Caleb Hammer?

  This was two years ago, by the way.

• 6:52Speaker 02

  No.

• 6:52Caleb Hammer?

  Based on...

• 6:53Speaker 03

  No.

• 6:54Caleb Hammer?

  Oh, you're right, a year ago.

• 6:55Speaker 02

  No, this was...

• 6:56Caleb Hammer?

  Bro, based on your timeline of how... How... Yes, absolutely. Based on the timeline of how long you're with your second marriage, and you said this was the end of your first marriage, you only had a month gap between them too. This is a year, year and a half ago.

• 7:08Speaker 02

  We've been together... I think I misspoke earlier.

• 7:09Caleb Hammer?

  Okay, how long were you guys together so far?

• 7:10Speaker 02

  We've been together...

• 7:11Caleb Hammer?

  A year?

• 7:11Speaker 02

  We've been together...

• 7:12Caleb Hammer?

  So this is two years ago?

• 7:13Speaker 02

  Yeah, it would have been...

• 7:14Caleb Hammer?

  Two years ago, two and a half max?

• 7:16Speaker 02

  2021.

• 7:17Caleb Hammer?

  What? No, that timeline does not make sense. No, that timeline does not make sense. May I? Uh, this... This is... I'm struggling here. No, you're just trying to make her feel like you're not gonna cheat on her.

• 7:31Speaker 02

  We separated and we got divorced. And then, uh, we got back together.

• 7:38Caleb Hammer?

  You got back together and then cheated again?

• 7:40Speaker 02

  No, I didn't cheat again, but that's when...

• 7:42Caleb Hammer?

  Okay, hold on, hold on, hold on. You guys... You guys have been together for a year. That's... You guys. One year. There was a... How long of a gap between you and...

• 7:59Speaker 02

  There was only a few months.

• 8:00Caleb Hammer?

  Since you started dating her?

• 8:01Speaker 02

  We...

• 8:01Caleb Hammer?

  Since you started dating her in your last divorce?

• 8:04Speaker 02

  There was a, I would say, a four-month gap.

• 8:08Speaker 02

  And we've been... It's been more than a year now.

• 8:11Speaker 03

  Yeah.

• 8:11Speaker 02

  But no, it's just a few months.

• 8:14Speaker 03

  Maybe like a year and a half, if that.

• 8:16Caleb Hammer?

  Four-month gaff, gotcha. And you're with that ex for a year. Ex two. One year. There was a one-month gap, and you were with her for seven.

• 8:29Speaker 02

  But that was... We were separated for a while.

• 8:32Caleb Hammer?

  How long are you separated?

• 8:34Speaker 02

  Uh, I don't remember exactly.

• 8:35Caleb Hammer?

  Come on!

• 8:36Speaker 02

  That's what I'm trying to think about, but it was, uh...

• 8:38Caleb Hammer?

  Dude, you're with her for seven years. You [BLEEP] cheated at the end, even with a little separation. There's only one month between this and then a year. There's four months before you guys got together. So here's the thing. I'm talking a year, year, one, two, two and a half years.

• 8:50Speaker 02

  We were separated for like a year and a half, maybe two years. Because we went through the whole... We were divorced, everything had happened.

• 8:55Caleb Hammer?

  Why'd she leave you the second time, then?

• 8:57Speaker 02

  She would never start... She had started dating somebody else, and then he cheated on her. And so she came and started...

• 9:03Caleb Hammer?

  Okay, not questioning her.

• 9:05Speaker 02

  I was the other guy in that situation, and I didn't know it. And so that's when I left, but it really...

• 9:09Caleb Hammer?

  Wait, she was cheating on him? With you?

• 9:11Speaker 02

  Yeah, with me. And so it really messed with me, and that's why I just jumped into the relationship with ex two. And it was really just a rebound, but yeah.

• 9:20Caleb Hammer?

  How many women were you with when you cheated? Come on!

• 9:24Speaker 02

  I think for sure one before we actually separated.

• 9:28Caleb Hammer?

  Not now.

• 9:28Speaker 02

  There might have been a second one before we actually separated. No, it's just a long time ago.

• 9:34Caleb Hammer?

  Not really, it's really not.

• 9:36Speaker 02

  Kind of a blur, and there was a lot right after it happened.

• 9:38Caleb Hammer?

  At best, it's like four years. So it's probably closer to three. Dude, the reality is, she didn't even know. She didn't even know that's why you guys got divorced. She didn't even [BLEEP] know. Dude, you're gonna be his third marriage. He's gonna be your second, and he lost his first marriage because he cheated on her with multiple women. What the [BLEEP]? Why are you... Why are you guys... Guys? Guys, you met five months after his second divorce. The second divorce was absolutely crazy. You've only been together for a year, and you're both gonna get into your second and third marriage. What the [BLEEP] are we doing? Why are we... Why are we doing this? So quick? When's your marriage?

• 10:13Speaker 03

  The date is October 2027.

• 10:17Speaker 02

  Yeah.

• 10:17Caleb Hammer?

  Okay, you'll give yourself a little more time there. I can appreciate that. Thank...

• 10:23Caleb Hammer?

  You don't feel like a rebound?

• 10:25Speaker 03

  Honestly, no.

• 10:26Caleb Hammer?

  Okay.

• 10:28Speaker 02

  I feel more like a rebound.

• 10:29Caleb Hammer?

  Okay, so why'd you get divorced? When did you get divorced?

• 10:32Speaker 03

  Um, I got divorced in twenty twenty twenty four. The, the end of twenty twenty four.

• 10:40Caleb Hammer?

  Okay, so like you, you've been together for a year. Whoa, whoa, whoa, whoa, whoa. You guys got together immediately after her divorce.

• 10:46Speaker 02

  Yeah, well, no, not after her. Cause she got divorced and then she was dating another guy for a while that she had moved in.

• 10:51Caleb Hammer?

  End of twenty twenty four, meaning like the beginning of twenty twenty five. You guys have been together for a year. Were, which means at the beginning of twenty twenty five, if you guys, if you guys got together a year ago from today.

• 11:01Speaker 02

  Yeah, we started dating in March of twenty five.

• 11:03Caleb Hammer?

  Four months after your divorce. Okay, March, three months after your divorce then.

• 11:07Speaker 03

  Did I say the wrong year or something?

• 11:09Caleb Hammer?

  You must have, unless you're.

• 11:11Speaker 02

  Cause she dated a whole nother guy for like a year after the divorce.

• 11:14Caleb Hammer?

  It must have been end of twenty three.

• 11:16Speaker 03

  Yeah, sorry. Yeah, end of twenty three.

• 11:18Caleb Hammer?

  Why'd you get divorced? How long were you with that man?

• 11:20Speaker 03

  Um, I was with him for two months before we got married. It was your, your typical military marriage. He's deploying. I had no health insurance. It was a win-win. I got health insurance. He got BAH and separation pay while he was deployed. We had a lot of fun and partied whenever he was stateside. Came back from deployment. It wasn't the same.

• 11:41Caleb Hammer?

  What does partied mean?

• 11:42Speaker 03

  We just went out. Well, actually, we were kind of in the party house. We threw a bunch of parties, a lot of drinking, just having fun. Honestly, I'm not sure there was like a, probably. Uh, there is not really a connection, honestly. It was just having fun and then turned into a.

• 11:59Caleb Hammer?

  How long were you married?

• 12:00Speaker 03

  Uh, two years.

• 12:02Caleb Hammer?

  What the, why'd you guys get divorced?

• 12:05Speaker 03

  Uh, he came back from deployment. We kind of realized both that we didn't connect anymore. It wasn't a, I don't want to say a real marriage. We were married, but.

• 12:16Caleb Hammer?

  Oh, yeah.

• 12:17Speaker 03

  There is no genuine connection. We had nothing to talk to each other about. So eventually I just, uh, decided to leave.

• 12:25Caleb Hammer?

  Okay, you left.

• 12:26Speaker 03

  Yeah.

• 12:27Caleb Hammer?

  Did he know? Did you tell him? You're making it sound like you just kind of walked away.

• 12:31Speaker 03

  He was actually deployed.

• 12:33Caleb Hammer?

  Uh huh.

• 12:34Speaker 03

  And, um.

• 12:35Caleb Hammer?

  Oh, come on.

• 12:36Speaker 03

  Yeah.

• 12:36Caleb Hammer?

  Were you with someone before you broke up?

• 12:38Speaker 03

  No.

• 12:38Caleb Hammer?

  Really?

• 12:43Speaker 03

  I will say I did entertain some people.

• 12:45Caleb Hammer?

  What's that? What does that even mean?

• 12:47Speaker 03

  There was, there was one night where we were drinking. We went to Whataburger. There's a guy in the parking lot. My dogs were in the car. He came to say hi to the dogs and then we ended up two stepping in the, uh, the parking lot at Whataburger and I was kind of entertaining him a little bit.

• 13:02Caleb Hammer?

  What's entertaining him?

• 13:03Speaker 03

  Just talking.

• 13:05Caleb Hammer?

  Okay, that's called talking.

• 13:06Speaker 03

  Yeah.

• 13:07Caleb Hammer?

  Not entertaining.

• 13:08Speaker 03

  We were flirting back and forth on Snapchat quite a bit.

• 13:11Caleb Hammer?

  Okay, you sent nudes?

• 13:13Speaker 03

  Yes.

• 13:15Caleb Hammer?

  Okay, so you cheated. Great. Dude, this, everyone's a cheater. I'm just convinced at this point. Everyone's a cheater. Guys, just go open. If you, then people don't vibe with open. If that's okay, then don't. Then break up or stay together. Be loyal. What is wrong with you guys?

• 13:28Speaker 03

  Conversation though, about being open. It, it didn't work.

• 13:32Caleb Hammer?

  Well, there you go. Yeah, you still sent nudes. So you cheated.

• 13:34Speaker 03

  This is true. This is true.

• 13:35Caleb Hammer?

  How many people you sent nudes to?

• 13:37Speaker 03

  Just him. Just the one.

• 13:41Caleb Hammer?

  Both of you, second and third marriage, both cheaters. Why are you confident this is gonna work?

• 13:47Speaker 03

  I, I mean, I know I've changed and the, the feelings.

• 13:51Caleb Hammer?

  Couple of years?

• 13:53Speaker 03

  Yes.

• 13:53Caleb Hammer?

  Okay, how much did you, how, how long of a gap between seeing that other guy you talked about?

• 13:56Speaker 03

  That was a rebound that definitely did not.

• 13:59Caleb Hammer?

  How long was the gap between him and him?

• 14:03Speaker 03

  Between X and, uh, I mean, Tony?

• 14:07Caleb Hammer?

  Yeah.

• 14:09Speaker 03

  Maybe a couple of months.

• 14:11Caleb Hammer?

  Well, that's why you feel like a rebound.

• 14:13Speaker 02

  Yeah, she, uh, they broke up around Valentine's Day and then we started dating in March.

• 14:19Caleb Hammer?

  Okay, so it was not a couple of months. It's like a couple of weeks. And by the way, it's not like, okay, so you learn stuff in a year? Because I know what happened. I was reading over during that entire conversation we had, which we didn't know most of that stuff, but we do know what happened with that guy.

• 14:35Speaker 03

  Yeah.

• 14:35Caleb Hammer?

  He was living in a hotel.

• 14:36Speaker 03

  Mm-hmm.

• 14:37Caleb Hammer?

  And you just fully funded his life. You let him in your cash app. You gave him access to your cash app. You were giving him money. You were just funding him. You can't tell me you learned your lesson. That was a year ago.

• 14:48Speaker 03

  Yeah.

• 14:49Caleb Hammer?

  It's a year ago. You don't know what the, what the are you guys talking about?

• 14:51Speaker 03

  Well, with that, I learned a lesson that.

• 14:53Caleb Hammer?

  Don't give a guy that's homeless your cash app? Um, I don't know if you would need to learn a lesson.

• 15:01Speaker 03

  To not let people take advantage of you, to actually stand up for yourself, set boundaries. That was a big one.

• 15:07Caleb Hammer?

  Boundaries, just not letting someone into your cash app if you're, if we're on the boundary conversation with that. You're just a broken individual that.

• 15:13Speaker 03

  Zero boundaries before this. And then I think going, going through that and funding him and kind of.

• 15:20Caleb Hammer?

  How much money did you give him?

• 15:23Speaker 03

  I could, I couldn't even tell you. I know he didn't have a job for several months. I was fixing his resume and turning in the resume, applying to jobs for him. And, uh, yeah, right around the end, he finally got a job.

• 15:35Caleb Hammer?

  And yeah, you take a guy where half his money goes to child support.

• 15:38Speaker 03

  Yeah.

• 15:39Caleb Hammer?

  Cause he can't keep it in his hands.

• 15:42Speaker 02

  Yeah.

• 15:42Caleb Hammer?

  How much do you own child support?

• 15:44Speaker 02

  Uh, I pay eighteen hundred every month.

• 15:46Caleb Hammer?

  How old, oh, what was your pay?

• 15:48Speaker 02

  Uh, seventy K a year.

• 15:49Caleb Hammer?

  Okay, now what do you actually make net on a monthly basis post child support?

• 15:54Speaker 02

  Um, I think it's, it was twenty four hundred monthly.

• 15:59Speaker 03

  Not.

• 15:59Caleb Hammer?

  You make less than her because of that. What is wrong with you? Why can't, guys, don't. How old are they?

• 16:07Speaker 02

  Uh, six and eight.

• 16:08Caleb Hammer?

  Ah, we're gonna be paying for this for a long time. You have any kids?

• 16:12Speaker 03

  No. God bless. Sounds bad, but I'm so glad I didn't have a kid with that man.

• 16:18Caleb Hammer?

  Well, I'm sure you canceled the couple along the way. Okay, uh, fuck. Okay, so two kids. You guys are together. What the, okay. So what are, what are we, what are we, what are we, what are we, you guys are here together. Have you combined finances? Please tell me no. This point, yes. You're sick and it said yes. Guys, you move so quick on everything. You're gonna end up in another mess again.

• 16:45Speaker 03

  At least we're waiting until twenty twenty seven to get married.

• 16:47Caleb Hammer?

  Yes, I am actually glad you're not doing the, but you've already done the biggest thing of all, which is combining finances. So it doesn't even matter at that point. What are we doing? Getting a document signed that has a couple of legal protections and tax benefits? Sure, that'd be great. But other than that, you guys can combine your finances. Your life is now intertwined in a way that would take forever to untangle if something bad happens. What do you guys think this will be the one? After you've popped out babies, you're paying for those. And after you just cheating on military people, of course, is always happens. And you've other, this when you're with a wife of seven years, which is crazy, by the way. Why is this the one?

• 17:32Caleb Hammer?

  No offense, look at what life has done to you guys. You look literally forty five and the eye bags that you have and the discoloration around your eyes, it's like you have cancer or something. Like something is, like you guys have gone through death and you're not even thirty.

• 17:43Speaker 02

  Yeah, I've been working hard a long time.

• 17:46Caleb Hammer?

  Now to pay child support.

• 17:47Speaker 03

  Yeah.

• 17:47Speaker 02

  And supporting him before I was on child support.

• 17:50Caleb Hammer?

  Huh?

• 17:50Speaker 02

  I said, and I had to support him before I was on child support.

• 17:53Caleb Hammer?

  Were you even fully divorced from the second, before you met her?

• 17:55Speaker 02

  Yeah. Well, no, no, no, no, no.

• 17:58Caleb Hammer?

  Of course not. Sure. So why do you guys think this is the one?

• 18:05Speaker 03

  Um, I, I can speak for myself and the, the connection that I have with him is so much stronger and so much better than it was. I understand it's only been a year, but I mean, we've been through.

• 18:19Caleb Hammer?

  Honeymoon phase.

• 18:20Speaker 03

  Been through a lot of, a lot of shit together as far as figuring out, uh, figuring out finances together was really big. Um, and then.

• 18:30Caleb Hammer?

  Figured out finances together. You're on the show where I figure out your finances for you.

• 18:33Speaker 03

  This is true.

• 18:34Caleb Hammer?

  So what, what have you figured out together? Been through together?

• 18:37Speaker 03

  Navigating co-parenting has been a whirlwind. It is now good. It's a wonderful relationship between everybody.

• 18:47Speaker 03

  And then I guess moving in together, moving out together.

• 18:51Caleb Hammer?

  What?

• 18:52Speaker 03

  Yeah.

• 18:52Caleb Hammer?

  Moved out together?

• 18:53Speaker 03

  Yeah, so.

• 18:54Speaker 02

  When we first moved in, well, we first started dating, I, I moved in with her and her friend.

• 18:59Caleb Hammer?

  You moved in with her when you first started dating?

• 19:01Speaker 02

  No, well, yeah, it was pretty quick.

• 19:03Caleb Hammer?

  How quick?

• 19:03Speaker 02

  It was in July.

• 19:04Caleb Hammer?

  How do you guys not learn a fucking lesson? That was like two months later. How do you guys not learn a fucking lesson?

• 19:09Speaker 03

  And the crazy part is in the beginning, him and I were both were like, we've rushed it before. Like, we're not rushing shit this time.

• 19:15Caleb Hammer?

  Rushed everything.

• 19:16Speaker 02

  Yep.

• 19:16Speaker 03

  And then he moved in.

• 19:18Caleb Hammer?

  You, he will literally put a ba, can you have babies? He will put a baby in you. Are you on birth control?

• 19:24Speaker 03

  Yes.

• 19:25Caleb Hammer?

  What kind?

• 19:25Speaker 03

  The Nexplanon.

• 19:27Caleb Hammer?

  Is that, that's a shot in the arm?

• 19:28Speaker 03

  No, that's an implant.

• 19:29Caleb Hammer?

  Oh, and, right. Oh, that's kind of what I meant. Oh, sorry, there is a shot version. You're right. Okay, well, that's good. That's like the highest, uh, effectiveness. Thank goodness. Okay, I will, I will accept that then.

• 19:40Speaker 03

  Responsible.

• 19:41Caleb Hammer?

  Well, yes, basic minimum requirement with what happens between you guys. Cause you guys literally can't control your impulses. Okay, so over a year, you guys learned how to do co-parenting, something that would just be required dating him, by the way. You guys moved in quickly. You guys are happy in the honeymoon phase. So that's why you think this is gonna be a forever thing?

• 20:00Speaker 02

  Uh, I mean, I.

• 20:01Caleb Hammer?

  You know your track record?

• 20:03Speaker 02

  Yeah, and that's a lot of why I wanted to push the wedding back and, and not.

• 20:06Caleb Hammer?

  But why have you combined your finances already then?

• 20:08Speaker 02

  It's more so, we, we do it through Capital One, so we have separate accounts, but they're combined. We're both secondary holders on each other, so we can see each other's finances, but she has her own.

• 20:17Caleb Hammer?

  Why so quick?

• 20:19Speaker 02

  That is an excellent question. Uh, I think, uh, back to what I said about what shit I think with, uh, sometimes I don't always.

• 20:26Caleb Hammer?

  So why'd you let him move in so quick if you were both like nah?

• 20:31Speaker 03

  He, uh, he was struggling to pay his rent and his bills and honestly, we were hanging out.

• 20:38Caleb Hammer?

  Someone I want to move in with me. It sounds like I'm dating a loser who can't figure out his own shit on his own. So why am I supporting him?

• 20:46Speaker 03

  But we had the discussion beforehand about his finances and what was hindering him from having that extra money.

• 20:52Caleb Hammer?

  Hindering him?

• 20:53Speaker 03

  Attorney fees.

• 20:54Speaker 02

  I was having to pay for all the divorce and all the other drama that she brought up with the divorce.

• 20:58Caleb Hammer?

  What was that?

• 20:59Speaker 02

  Uh, she went and filed, uh, some charges on me for some domestic stuff. Uh, they ended up, it was all bullshit. She just made it up.

• 21:07Caleb Hammer?

  What did she say? What, before, before we hear the conclusion, what did she say happened?

• 21:11Speaker 02

  She said.

• 21:16Speaker 02

  That I pushed her down or so, I don't know. I don't even

• 21:19Caleb Hammer?

  No, what did she say?

• 21:20Speaker 02

  That I pushed her down.

• 21:21Caleb Hammer?

  Okay.

• 21:21Speaker 03

  She also claimed that he was drinking and driving with the kids in the car. And specifically said that it was a michelada, which I don't know if you know what that is, but it has tomato juice in it. Doesn't really drink. I mean, he definitely does not like tomatoes. So.

• 21:37Speaker 02

  Tony.

• 21:37Speaker 03

  Yeah.

• 21:39Speaker 02

  Yeah, no, that's a, I mean, don't get me wrong. I do drink, but it's not like a regular thing. Like, I might go have a couple beers.

• 21:46Caleb Hammer?

  Why would she claim that?

• 21:46Speaker 02

  Because she, uh, she was just trying to

• 21:48Speaker 03

  She's crazy.

• 21:49Speaker 02

  Yeah, she, basically she told me right when we separated that I wasn't gonna see my kids anymore. And that was just kind of an attack at me.

• 21:56Caleb Hammer?

  Why would she claim you pushed her down?

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• 22:27Speaker 02

  I don't know.

• 22:29Caleb Hammer?

  Okay, in the conclusion?

• 22:30Speaker 02

  Uh, there, I had to go to a divorce hearing. And so my attorney told me that there was a warrant out for my arrest for it.

• 22:37Caleb Hammer?

  Oh, you went to jail?

• 22:38Speaker 02

  Yeah. And so they, I went and turned myself in for it. They dismissed all the charges.

• 22:42Caleb Hammer?

  Um, good.

• 22:43Speaker 02

  And so.

• 22:44Caleb Hammer?

  It's crazy that you can get a, that like, unless you're like, you're, well, no, I guess I would rather people get arrested before. Go through the whole thing in case people are violent, but it's so weird. Uh, before you're even charged with it, it's so interesting to have to go to jail. How long were you in jail?

• 23:00Speaker 02

  I just spent the night. I went and

• 23:02Caleb Hammer?

  It's still crazy. Yeah, it's, it's, it's a, yeah, it's so interesting thing how that happens. Okay. So you hear a guy that had court fees for allegedly, and turns out didn't, but allegedly pushed someone down and drove drunk with his kids. And you're like, move in?

• 23:17Speaker 03

  No, see.

• 23:18Caleb Hammer?

  We have different standards.

• 23:19Speaker 03

  This, yeah.

• 23:20Caleb Hammer?

  For people moving in with us.

• 23:21Speaker 03

  Yeah.

• 23:21Caleb Hammer?

  You and me.

• 23:22Speaker 03

  Yeah. Um, I guess, I'm not sure how much of that situation I knew before you moved in. I don't remember.

• 23:31Caleb Hammer?

  Girl, you didn't even know he cheated on his first one, and that was the divorce raising.

• 23:34Speaker 03

  Well, I knew that he cheated, but I didn't know it was the specific reason for the divorce.

• 23:37Caleb Hammer?

  You guys are together tonight. You're getting married. You already have a marriage date on the calendar.

• 23:41Speaker 03

  Yeah, well, after being with a military man and understanding the separation aspect, I just assumed that it was, you know, distance. Distance doesn't always work for everybody. So I thought that maybe it was just, he was gone for six months. She was at home alone with the kids and she just didn't want to do it anymore.

• 23:57Caleb Hammer?

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

• 24:40Caleb Hammer?

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• 25:23Caleb Hammer?

  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 app there is. Download it now, start the free trial, DollarWise.com, link in the description below.

• 26:10Caleb Hammer?

  Okay, so what's going on today, guys?

• 26:12Speaker 03

  As far as what?

• 26:14Speaker 02

  We have a

• 26:16Caleb Hammer?

  Just what's going on?

• 26:16Speaker 02

  Spending. That's the, spend too much money, uh, for sure.

• 26:23Caleb Hammer?

  Okay. Who's Cecil?

• 26:26Speaker 03

  That's my brother.

• 26:28Caleb Hammer?

  Okay, that's good.

• 26:30Speaker 03

  He's my best friend's husband. He's a guy I play video games with every now and then. It's been a while since we played games.

• 26:37Caleb Hammer?

  Okay. Messaging not too many weeks ago with him on Snapchat with disappearing messages. Just seeing if, uh, you know, things are living up. Why are you sending all this?

• 26:51Speaker 03

  That was one of my friends from high school. It's been a long time since I talked to him.

• 26:56Caleb Hammer?

  He, okay, it actually has been a while. That's fair. Friends from high school? Jeez, I mean, you're sending interesting things to your friends.

• 27:04Speaker 03

  Yes.

• 27:05Caleb Hammer?

  Okay, yeah, that was a while ago. Okay, let's not say friends. Come on. I mean, you guys are definitely flirting.

• 27:12Speaker 03

  Yeah, but, yeah. Nothing ever came of, of anything.

• 27:15Caleb Hammer?

  Okay, let me see your phone. See if we're keeping up, uh, trends here, guys. You're a few months into this. I said I've discovered a lot of things on my phone. Okay. See, she, this is why you can't listen to her say friends.

• 27:29Speaker 02

  Yeah.

• 27:30Caleb Hammer?

  Yeah.

• 27:31Speaker 03

  That's

• 27:31Caleb Hammer?

  Is that, is that, do we send friends that?

• 27:33Speaker 02

  Yeah.

• 27:34Caleb Hammer?

  Like, that was a full-on booty cheek, you know?

• 27:36Speaker 03

  It was in fact a full-on booty cheek.

• 27:37Caleb Hammer?

  Huh?

• 27:38Speaker 03

  Said it was in fact a full-on booty cheek.

• 27:40Caleb Hammer?

  Yes, that's what I said. Okay.

• 27:42Speaker 02

  I understand why there's

• 27:43Caleb Hammer?

  Because

• 27:44Speaker 02

  Why do you still have them in your Snapchat?

• 27:45Caleb Hammer?

  Well, I mean, it sounds like, I mean, that, for what's, it's weird. That's an older chat. He saved that. But what concerns me is the guy that she was just talking to a few weeks ago that she plays video games with. She says, that's my friend who I play video games with.

• 27:56Speaker 03

  That's what's

• 27:57Caleb Hammer?

  If that's what, if, but if that's what we call friends, if we're literally sending full-on ass cheeks to our friends, that starts to concern me. You know what I mean?

• 28:05Speaker 03

  Mm-hmm.

• 28:06Speaker 02

  I agree. It is concerning.

• 28:07Caleb Hammer?

  Just based on our history, just based on our history, I'm not even fully alleging 100%, just saying, based on history. What are we doing?

• 28:21Speaker 03

  Is that?

• 28:21Caleb Hammer?

  Instagram?

• 28:22Speaker 03

  That's

• 28:26Caleb Hammer?

  Huh?

• 28:27Speaker 03

  We ride dirt bikes together.

• 28:28Speaker 02

  A friend?

• 28:29Speaker 03

  Yeah.

• 28:30Caleb Hammer?

  Okay, well, lots of memage.

• 28:32Speaker 03

  Yeah.

• 28:32Caleb Hammer?

  To each other. Okay.

• 28:33Speaker 03

  Lots of memes.

• 28:34Caleb Hammer?

  I mean, there's just lots of guys you are messaging in here. I'm not seeing anything inappropriate.

• 28:41Speaker 03

  Probably, maybe a month ago, because I was at home bored and I was like, I want to click

• 28:48Caleb Hammer?

  Yeah.

• 28:49Speaker 03

  I don't even know what you're talking about.

• 28:52Caleb Hammer?

  Okay, he was asking when you were coming to

• 28:54Speaker 03

  Oh, that's my, that's my friend's husband.

• 28:57Caleb Hammer?

  Okay, I'm talking to your friend's husband a lot. Okay, okay. That's okay.

• 29:00Speaker 03

  He sent me one message.

• 29:01Caleb Hammer?

  That's okay. It's okay. What's this paired thing?

• 29:05Speaker 03

  Oh, that's our relationship app.

• 29:07Caleb Hammer?

  Why?

• 29:08Speaker 03

  It gets us talking a little bit more about what's going on in our lives rather than just

• 29:12Caleb Hammer?

  Are you guys struggling?

• 29:14Speaker 02

  No, we started doing that when we first started dating.

• 29:16Speaker 03

  Just to have different conversations than your typical getting to know someone conversations.

• 29:22Speaker 02

  Three different questions that it asks you every day, and they're just random, and you answer them and both see what the other said.

• 29:28Caleb Hammer?

  Okay, so just based on our history, just based on our history, do we have any nerves? Cheater, cheater.

• 29:36Speaker 02

  I know that I haven't done anything. I think it's concerning that, you know, calling people friends, but

• 29:42Caleb Hammer?

  Well, yeah, if we're sending ass cheeks to friends, and then you are talking to that gamer guy a lot. Come on, right? I mean.

• 29:48Speaker 03

  No.

• 29:49Caleb Hammer?

  No?

• 29:50Speaker 03

  I think I messaged him once and asked him if he was working.

• 29:53Caleb Hammer?

  Did you play video games with him?

• 29:54Speaker 03

  I don't really play games anymore.

• 29:56Caleb Hammer?

  What? You just said, see, how's the story changing there?

• 29:59Speaker 03

  It's not changing. I don't play anymore. I, I wanted to get back into playing, and I don't play Call of Duty unless I have a friend to play with. My best friend works the nine-to-five, Monday through Friday, so she can't play with me while I'm off. Is a, a police officer, so he works the rotating schedule, so I never know when he's gonna work, so I have to ask him if he's free before we can hop on the game. And again, I'm not playing by myself.

• 30:25Caleb Hammer?

  Your phone so far looks clean on Snapchat. Hmm, I can't see the last time Tinder was downloaded, but it is not downloaded now. Um, I don't know how to see the last time it was downloaded, but it is not downloaded now.

• 30:42Speaker 02

  And I deleted it after we, uh, we agreed to both delete, like, I deleted my full-on account.

• 30:48Caleb Hammer?

  Yeah, so you guys went official, right?

• 30:50Speaker 02

  Yeah.

• 30:51Caleb Hammer?

  Okay, okay. I think we're safe. Are you not nervous? Because I would be nervous. Just based on our history, how quickly you guys move, dropping loads and cheating. You both cheat. Okay, not nervous. Okay.

• 31:07Speaker 02

  I think a lot of what makes me feel better about it is I've never had the desire to cheat on, uh, Virginia and that's

• 31:13Caleb Hammer?

  Well, you've been together for a year.

• 31:14Speaker 02

  Well

• 31:15Caleb Hammer?

  Wasn't it like seven years into the, your first marriage when you started cheating?

• 31:19Speaker 02

  Yeah, um, I would say right at the very beginning, there was a different time that that happened. Um, but that was when we were still in high school.

• 31:26Caleb Hammer?

  Like, right, high school is forever. It's, it's different.

• 31:29Speaker 02

  Um, and then everybody that, like, I dated or entertained after that, I

• 31:34Caleb Hammer?

  Why do you guys keep saying entertained? What, what are you guys, performers?

• 31:37Speaker 02

  I wasn't having a relationship, but I'm not sure how they felt about the, what we were doing.

• 31:42Speaker 03

  They probably all thought you were on the road to a relationship.

• 31:46Caleb Hammer?

  Okay, so what are we talking about today then? You all have combined your finances. It's way too early in my opinion, especially with just how quick you guys move. So what's going on?

• 31:59Speaker 02

  I'm also trying to find out what she's got a whole separate account that she puts $600 into every month that I don't get to see.

• 32:06Caleb Hammer?

  Why? If we're combining to get like eyes on everything, why is there a separate $600 a month account?

• 32:15Speaker 03

  So I mean, in the beginning, when we put all of our finances together, I think it was like maybe four to six months of us being together where we decided to have access to each other's bank accounts. I thought it was a safe idea to go ahead and have a little bit set aside for myself and then I just never changed it.

• 32:34Speaker 02

  I asked her to see it and she just kind of brushed it off and changed the subject and said she'd rather not.

• 32:39Caleb Hammer?

  Weird.

• 32:40Speaker 03

  I don't, I don't think you've ever actually asked to see it, but

• 32:43Caleb Hammer?

  He just said he did.

• 32:44Speaker 03

  I, I mean, it's, it's a lot of the charges on that account that I get mad at him for. So.

• 32:53Caleb Hammer?

  Huh?

• 32:54Speaker 03

  Yeah. So like the

• 32:55Caleb Hammer?

  What does that even mean?

• 32:57Speaker 03

  Gas station, fast food, stuff like that. That's, that's my, that's my bad, bad account where I just spend bullshit money.

• 33:05Speaker 02

  So backstory, she was watching the show first and she was telling me how I was messing up on my finances. And so I started watching too. Um, but then, you know, come to find out she was doing all of the exact same things and just hiding it from me while getting on to me for doing it.

• 33:22Caleb Hammer?

  Well, would it make you feel better or worse that she literally, out of all the statements she sent, did not send us this statement?

• 33:30Caleb Hammer?

  Why? We got a statement for everything.

• 33:33Speaker 02

  She said that she couldn't get it, but we'll see.

• 33:35Caleb Hammer?

  And screenshots.

• 33:36Speaker 03

  I, it told me specifically not to send screenshots unless it was

• 33:40Caleb Hammer?

  Unless you couldn't get statements.

• 33:43Speaker 03

  I, I didn't see that part.

• 33:44Caleb Hammer?

  Something, right?

• 33:45Speaker 03

  I thought it was just if it was like a, what is it? Like after pay or something?

• 33:50Caleb Hammer?

  I mean, that's pretty easy, right?

• 33:54Speaker 02

  Yeah.

• 33:54Caleb Hammer?

  Has this caused drama?

• 33:56Speaker 02

  A little bit, but I, I don't know. It's also, you know, she's, it's her paycheck going into it. So I get that.

• 34:04Caleb Hammer?

  But if we agreed to go combine so we could all get eyes on it, if she has to get eyes on you, it's weird that she's hiding something.

• 34:09Speaker 02

  I agree.

• 34:10Caleb Hammer?

  It's also weird that she didn't send a screenshot or something. This is 300 bucks. That's the one you spent $300 in?

• 34:17Speaker 03

  That's from today.

• 34:18Caleb Hammer?

  Okay. She, so she put 300 in today.

• 34:20Speaker 03

  But it auto, like I have direct deposit 300 into that.

• 34:24Caleb Hammer?

  When you stop in Dollar General, get $11 to stuff, what are you getting?

• 34:27Speaker 03

  That was dog food and dog toys. But I used cash and then I spent the rest on my card.

• 34:34Caleb Hammer?

  Okay. Well, that also becomes difficult when things are in cash. It's hard to track cash. Uh, Kingwood bows.

• 34:43Speaker 02

  What is that?

• 34:45Speaker 03

  Uh, I don't know. Uh, I did get a coffee the other day.

• 34:50Caleb Hammer?

  Well, it looks like some kind of

• 34:52Speaker 03

  It was a coffee and a breakfast bowl.

• 34:54Caleb Hammer?

  15 bucks and all 15 something.

• 34:56Speaker 02

  $15?

• 34:57Caleb Hammer?

  Oh, it's 15.

• 34:58Speaker 02

  I spent $3, $4 at the gas station.

• 35:01Speaker 03

  Yeah, it was a bowl and a coffee.

• 35:03Caleb Hammer?

  Well, $30 at Panda Express. But you're getting on his ass for a couple of dollars at the gas station?

• 35:08Speaker 03

  Panda Express was for me and for him. I brought it home to him.

• 35:12Caleb Hammer?

  Okay.

• 35:12Speaker 02

  That's still, I'm like, I'll stop at the gas station, spend $3, $4 on a, on an energy drink or maybe $4 on some taquitos.

• 35:19Speaker 03

  You agreed to go to Panda Express. I asked you, if you want food, you say you want Panda Express because you don't want to cook anything and I'm going to get home late. So I got Panda Express for both of us to eat.

• 35:31Speaker 02

  I don't know.

• 35:32Caleb Hammer?

  Okay. $102 at Marshall's. Old Navy $57.

• 35:38Speaker 03

  I lost weight. So I have to buy new clothes.

• 35:41Caleb Hammer?

  How much did you lose?

• 35:42Speaker 03

  Uh, I think from the beginning, probably 30, 30, 40 pounds. So.

• 35:48Caleb Hammer?

  That's good. Congratulations.

• 35:49Speaker 03

  Thanks.

• 35:50Caleb Hammer?

  Uh, Old Navy.

• 35:54Speaker 03

  Yeah, that's my paycheck.

• 35:56Caleb Hammer?

  So 100 out there, some Petsmart. I mean, it's, I mean, it's

• 35:59Speaker 02

  What are you getting at Petsmart?

• 36:00Caleb Hammer?

  Some bullshit.

• 36:01Speaker 03

  I had to buy that, that big ass dog a kennel.

• 36:04Speaker 02

  That's right.

• 36:04Caleb Hammer?

  Or some bullshit. Uh, I mean, 20 bucks of Chick-fil-A there. Some bullshit, some not bullshit. It's, it's, it's a mixture of both. It's a mixture of both.

• 36:13Speaker 03

  Yeah.

• 36:14Caleb Hammer?

  Wings and more $44. Farmhouse frozen yogurt, $22. Farmhouse frozen yogurt, $7. Chuck E. Cheese, $67.

• 36:24Speaker 03

  I had the kids that day.

• 36:25Caleb Hammer?

  Uh huh.

• 36:26Speaker 02

  This is ridiculous.

• 36:28Caleb Hammer?

  It's a lot of bullshit spending.

• 36:29Speaker 03

  I had the kids and I was already in Brian. What was I supposed to do? Take them home?

• 36:33Caleb Hammer?

  No, the thing that concerns

• 36:34Speaker 02

  Yeah, there's a park right down the road.

• 36:36Speaker 03

  So I'm supposed to drive an hour back home, hang out with them at home just to drive them back the same day? That makes no sense.

• 36:42Speaker 02

  There's a park right by their house too.

• 36:44Speaker 03

  And we went to the park and it was hot. They didn't want to be there anymore.

• 36:48Speaker 02

  There's literally a splash pad.

• 36:49Speaker 03

  I'm aware of that. I tried to get them to play in the splash pad and they didn't want to. They wanted

• 36:55Speaker 02

  Uh, that's, that's why you're the parent and you, you make a decision.

• 36:58Caleb Hammer?

  The thing that concerns me though, it's like if in the relationship, you're railing on him for spending bullshit money, which is relatively fair, but then you hide your own, that dynamic just becomes kind of

• 37:11Caleb Hammer?

  it's a lot of manipulative. That was a weird way to say that.

• 37:15Speaker 03

  I, I mean, I don't, I bought him food. I went and hung out with the kids. I

• 37:21Caleb Hammer?

  Okay, that was one time, but there's lots of bullshit purchases. We just went over then there.

• 37:25Speaker 02

  You don't have to spend a hundred and whatever it was on clothes.

• 37:28Caleb Hammer?

  Great. None of you should spend money on bullshit, but the thing, well, okay, the clothes thing, she, she lost weight.

• 37:32Speaker 02

  Well, I mean, you do need clothes, but you don't have to go spend a hundred dollars. It's, it's a, you know, it's Marshall's.

• 37:39Speaker 03

  It's literally Marshall's. $100 at Marshall's goes way further than if I just went to the mall and decided I'm going to buy jeans today. It'd be a hundred bucks for one pair of jeans.

• 37:48Speaker 02

  So I'm saying like that's

• 37:49Speaker 03

  I literally got so many pairs of shorts. I got some tank tops, I think.

• 37:53Caleb Hammer?

  Guys, that's not the issue that I'm bringing up. Why go so hard on him for spending money on bullshit, which again, I think that part within general is okay. But if you are hiding your money that you're spending bullshit on.

• 38:05Speaker 03

  I understand I spend money on bullshit, but he is at the gas station.

• 38:10Caleb Hammer?

  The criticism is why do you get to rail on him for his bullshit spending when you hide yours?

• 38:14Speaker 03

  Cause I feel like his is worse.

• 38:15Caleb Hammer?

  Is that true?

• 38:16Speaker 02

  Uh, I don't think so. I, I think we're about equivalent.

• 38:20Speaker 03

  The gas station shit just really adds up. Really adds up. He'll be like, well, it's only $3. Yeah. $3, four times a day.

• 38:27Caleb Hammer?

  No, I agree. That's bad. But why do you get to criticize that if you are hiding your bullshit spending?

• 38:33Speaker 03

  I, I mean, it's not like I'm hiding it on purpose.

• 38:39Speaker 02

  She is.

• 38:42Speaker 02

  As far as she's, she's better at

• 38:44Speaker 03

  I keep track of the payments when they're going to come in, when they're going to go out. So that's, that's my, my little tidbit of responsibility.

• 38:51Caleb Hammer?

  Okay. Well, in the pre-interview, he called himself the responsible one, but.

• 38:58Speaker 02

  I would say of lately, but she's definitely been, been blowing money left and right. And I've been trying to do better. Uh, then just today we went and got well, McDonald's, but

• 39:09Caleb Hammer?

  What's the dynamic here?

• 39:10Speaker 03

  And stuff at the gas station.

• 39:11Caleb Hammer?

  What's our communication around finances?

• 39:14Speaker 02

  We talk about it. Um, we sit down and, and look at it and we agree on a budget and then neither one of us sticks to it.

• 39:19Speaker 03

  No.

• 39:20Caleb Hammer?

  Why? Oh.

• 39:21Speaker 03

  Well, no. The last time that we talked about money, it kind of went more like that. But before we decided to like sit down and attack it 100% together, it was, I refuse to open the bank account because Face ID takes too long. So he never knows how much he's spending. Literally will overdraft in his checking's account while he has money sitting over there in his savings account. And it doesn't make sense to me. If you have money, why are you overdrafting in your account? Oh, because my Face ID takes too long. Uh, it's Face ID.

• 39:53Speaker 02

  It's not that the Face ID takes too long. It's that I drive a lot. And so if I'm trying to drive and check the bank account.

• 39:59Speaker 03

  But that's where Face ID literally comes in handy.

• 40:01Speaker 02

  The Face ID, when it doesn't work, then it goes over and then you gotta manually type in the password. And so that's aggravating and I don't do it. So I put it to the side.

• 40:09Caleb Hammer?

  Overdraft?

• 40:11Speaker 02

  I just don't check.

• 40:12Caleb Hammer?

  Makes sense.

• 40:12Speaker 03

  Yeah.

• 40:12Speaker 02

  You know, I can't make it make sense, but it, uh, it does happen and I, it is what it is.

• 40:17Caleb Hammer?

  It's no, it's not. It is what it is. That's your lazy piece of shit.

• 40:21Speaker 03

  I literally never looks at the bank account. We'll never know how much money is going in or coming out or when.

• 40:26Speaker 02

  When she's looking.

• 40:27Caleb Hammer?

  Well, so that if you can spend it or not.

• 40:29Speaker 03

  Exactly.

• 40:30Caleb Hammer?

  Right?

• 40:31Speaker 03

  You see, that was my thing with my, with my bullshit spending. I know how much is in the account and I know how much I can afford to spend. He doesn't look. He doesn't know. And then next thing you know, he's negative.

• 40:41Caleb Hammer?

  She didn't overdraft. That is true.

• 40:43Speaker 03

  Negative something dollars.

• 40:45Caleb Hammer?

  Why do I hear that? Like you want to give him an allowance or something? Wouldn't that just be further enabling that behavior of him not learning? What is this? You wanting to give him an allowance?

• 40:53Speaker 03

  So the conversations that we had were that he's better with cash because he'll keep track of how much cash he has. Cause it's right there in his hand. Instead of having to open an app and use Face ID. So the idea was to, to let him have X amount of money from every paycheck that we get and we get paid opposite weeks. So it'd be

• 41:12Caleb Hammer?

  Why do you need her to be mommy? Um, what the is this? Can you not man up? Dude, you're older than her?

• 41:19Speaker 03

  And I was also supposed to tell him how much he's allowed to spend each time we get paid.

• 41:22Caleb Hammer?

  Why do you need mommy?

• 41:24Speaker 02

  I don't think that I need a mommy. I just don't want to deal with it.

• 41:27Caleb Hammer?

  That's you needing mommy. Why can't you grow up and be an adult where you have to deal with it? Cause you have to deal with it. You need to be a adult.

• 41:34Speaker 02

  Uh, I think it just stems a lot from, I made really good money for a while and just didn't have to look and knew that it was there.

• 41:39Caleb Hammer?

  Hey, guess what? Things have changed. How long has it been since it changed?

• 41:42Speaker 02

  Uh, about a year now.

• 41:44Caleb Hammer?

  Okay. Then why do you need mommy?

• 41:46Speaker 02

  Uh, I don't think that I do. I think I would just rather, rather that she did do it. It's that way. I didn't have to.

• 41:52Caleb Hammer?

  Is that how you want your marriage to be?

• 41:54Speaker 03

  No, no.

• 41:55Caleb Hammer?

  Okay, then what the are we doing here? Guys, this is why we take time before we go into a marriage, before we move into each other, before we combine finances. You didn't know this, you're learning it now on the ground.

• 42:06Speaker 03

  Mm-hmm.

• 42:06Caleb Hammer?

  In the moment.

• 42:07Speaker 03

  Mm-hmm.

• 42:08Caleb Hammer?

  Didn't even know why they got divorced, dude. I mean, come on.

• 42:11Speaker 03

  I'm trying to get him to be, be better and honestly-

• 42:14Caleb Hammer?

  Well, guess what? He just said he doesn't want to and he wants you to control it. So what the do we do with that, huh?

• 42:18Speaker 03

  Give him an allowance?

• 42:19Caleb Hammer?

  No, you're literally just enabling his behavior. You're okay with that? Cause that is you being mommy.

• 42:25Speaker 03

  At least it is a set amount that he can spend and it's not just, I'm not looking at the card. I'm just gonna swipe it.

• 42:31Caleb Hammer?

  Being mommy, that's pathetic. How, how are you not embarrassed?

• 42:36Speaker 03

  It's his money too, this time.

• 42:37Caleb Hammer?

  That's embarrassing. How are you not embarrassed? He is a father of children.

• 42:42Speaker 03

  Mm-hmm.

• 42:43Caleb Hammer?

  And you have to mother him? And you're okay with that? For the rest of your life?

• 42:47Speaker 03

  Just in the finance area because he just doesn't look.

• 42:50Speaker 02

  I feel like I take care of most of the rest of everything else and so-

• 42:54Caleb Hammer?

  What's that?

• 42:54Speaker 02

  Like the, the, taking care of the house and the dogs and all that stuff and you know-

• 42:59Speaker 03

  He honestly does do more around the house and with the dogs than I do.

• 43:02Caleb Hammer?

  Dude, dogs are easy.

• 43:04Speaker 02

  Yeah, but I'm not-

• 43:04Caleb Hammer?

  What the are we talking about here?

• 43:05Speaker 02

  I'm not saying that it is a lot, I'm just saying that-

• 43:07Caleb Hammer?

  This is financial communication. This is gonna determine one of the leading causes for divorce in this country for the rest of your lives and temporary marriage.

• 43:16Speaker 02

  It's a-

• 43:17Speaker 03

  Hopefully not temporary.

• 43:18Caleb Hammer?

  Well, I'm going off of just the trend.

• 43:21Speaker 02

  That and another thing is, is in my previous marriage, it was, you know, she didn't work while we were together because she was taking care of the kids and so the, uh, the dynamic there-

• 43:31Speaker 03

  The part-time kids.

• 43:32Speaker 02

  Um, the dynamic there was a hundred percent, I was making the money and she was taking care of the finances and she handled it, she paid the bills and she just managed the money. So I was very accustomed to that from a previous relationship and so I still kinda have that expectation. I went straight from that to having money and not looking and just, I had money, so I just swiped it and then I had no money. And so I just wasn't swiping and then now, you know, I'm back to making money.

• 43:56Caleb Hammer?

  Now you just want her to take care of it? This is so, it's so weird. I mean, I have in your notes that, well, I mean, you feel like you have to mother him. So I mean, that's, and that's obviously as clear as day, but that you feel like she doesn't respect your opinion? What does that even mean? And even, why should she? If she has to give you an allowance, why the should she respect your opinion? What opinion do you get to have?

• 44:25Speaker 02

  I, uh, I, I think I have good opinions, honestly, I-

• 44:30Caleb Hammer?

  Oh, this is a guy who won't even look at his own bank account. Tell me, tell me about this.

• 44:36Speaker 02

  Uh, about paying down our debt and, uh, you know, trying to, I'm not, that's exactly what I'm telling you, is that we've sat down and talked about this things and we just not stuck to it. That it's not a, a matter of that we haven't tried, but we just don't actually try when we discuss it.

• 44:53Speaker 03

  I feel like before I was trying.

• 44:55Speaker 02

  And that's, I, I did spend a long time of like trying to actually better my credit, better stuff and then I just fell off.

• 45:01Caleb Hammer?

  Why?

• 45:03Speaker 02

  Just wanted to-

• 45:04Caleb Hammer?

  Self-assess.

• 45:05Speaker 02

  It was just wanting to go party, wanting to have fun, want, want, want-

• 45:08Caleb Hammer?

  What is this, you guys go party thing? You, that's, you, you brought a party, he's bringing a party. What is this, dude, 28, what are you doing going partying?

• 45:15Speaker 02

  Oh, it's not anymore. This was when I was working, like traveling on the road, that was all I was doing.

• 45:19Caleb Hammer?

  That's so long ago, we're talking about today.

• 45:21Speaker 02

  Oh, yeah, today, now I'm just recovering.

• 45:23Caleb Hammer?

  He doesn't listen to your opinion.

• 45:24Speaker 02

  Because I'm still-

• 45:25Caleb Hammer?

  What opinion?

• 45:27Speaker 02

  No, we should pay down our-

• 45:28Caleb Hammer?

  About paying off the debt?

• 45:29Speaker 02

  Like how we do it.

• 45:30Caleb Hammer?

  But you don't even look at the, you don't even know the finances of the house. You don't even know it, how can you even have an educated opinion?

• 45:35Speaker 02

  Because, you know, she went and bought a truck, um, she-

• 45:39Caleb Hammer?

  Why? I thought you were the responsible one.

• 45:41Speaker 03

  Okay, uh, so-

• 45:45Speaker 02

  I had a truck already, so it's not like we actually needed one.

• 45:48Speaker 03

  First of all, I was like four months into us dating and he was like, oh, you can use my truck whenever, but okay, so I bought a dirt bike. And I needed a truck to transport the dirt bike.

• 45:59Caleb Hammer?

  Oh, he said you can use his truck whenever.

• 46:01Speaker 02

  I told her it was a bad idea.

• 46:03Speaker 03

  I was dating him for like four months, I cannot trust within four months that I'm just gonna use his truck whenever I want and he's gonna have no problem with it.

• 46:10Speaker 02

  And so-

• 46:11Speaker 03

  That doesn't make sense.

• 46:12Speaker 02

  Even if not, what I, my advice to her for that was, is you have a car that you just finished paying off, instead of buying a truck, use mine and just put the, the truck payment that you're willing to make into a savings account. That way you have a down payment if something does happen and we break up and you don't have my truck or something, you know, for any reason. Like it, and then she doesn't wanna do that, that's stuff like that and then she doesn't actually listen to the advice that I give.

• 46:34Caleb Hammer?

  You're four months in for what it's worth, so I mean, but even still, it was probably, it was a stupid choice for sure.

• 46:39Speaker 03

  Yes.

• 46:39Caleb Hammer?

  Definitely. How much for that ring?

• 46:42Speaker 02

  A hundred and twenty.

• 46:43Caleb Hammer?

  Okay, so how do the conversations go then? A financial conversation happens, what's the topic, how does it go in this house?

• 46:51Speaker 02

  Mostly her bitching at me about spending too much at the gas stations.

• 46:54Caleb Hammer?

  And what do you do?

• 46:55Speaker 02

  Tell her, get me cash and I'll, I'll pay attention more.

• 46:58Caleb Hammer?

  So it's actually, it's less of a-

• 47:00Speaker 02

  And I wouldn't call it an allowance, I would say that it's a, a budgeting.

• 47:04Speaker 03

  His bullshit spending.

• 47:05Caleb Hammer?

  Well, I wouldn't even just say that, I think it's his anti-you bitching at him fund. I think that's why he wants it more than you mothering him, if you're bitching at him constantly and it's this miserable whore to be around at home, like, well, yeah, he may as well do the thing that's a little less freedom, but at least he doesn't have to listen to his wife. My Gamer Subs flavor is finally here, it's called Liquid Assets and it tastes like raspberry apple and success. Use discount code Caleb to get 10% off your entire order, plus free gifts you actually want. Drinkware, stickers, full-on apparel, even some seriously limited edition swag. And one out of every 10 tubs has my face printed right on it.

• 47:48Caleb Hammer?

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• 48:33Caleb Hammer?

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• 48:57Speaker 03

  It's extremely frustrating when he has a cooler in his work van. We have snacks at home, we have energy drinks at home, we have drinks at home and yet he just doesn't take them. He just decides-

• 49:08Caleb Hammer?

  Well, that's fair, actually, I would nag and bitch at you. So I think it's justified.

• 49:12Speaker 03

  Then it's like three times at the gas station.

• 49:14Caleb Hammer?

  Take it, be a man, take it. You were the problem, she nagged at you.

• 49:19Speaker 02

  Yeah, I-

• 49:19Caleb Hammer?

  And that's fair!

• 49:20Speaker 02

  You know, I forgot my lunch, it's a, I'm very, very forgetful.

• 49:24Caleb Hammer?

  Every day, forever?

• 49:26Speaker 03

  Literally so often.

• 49:27Speaker 02

  Yeah, I saw, I just, it does happen, sometimes it is, I just don't wanna eat it, that happens sometimes too. It's a mix, but the, uh-

• 49:36Caleb Hammer?

  Okay, well, make your energy drinks at work, here you go, this is Gamer Subs. Shake it up, put the powder in, it's delicious, it's better than any energy drink you've had. And here, towards the end of July, comes out the Caleb Hammer flavor, whether or not, I don't think this episode, well, I don't know. If it's coming up or if it's already out, you get the Caleb Hammer Liquid Assets flavor, Gamer Subs. Get your free samples, figure out what flavor you like, link in the description below. Use the discount code Caleb and then it's 40 cents a serving with my 10% off link. It is delicious, guys, check out my flavor, it is so good. No more energy drinks, man, just like you gotta make your coffee at home and you're on a budget, make your energy drinks at home, what the is wrong with you?

• 50:14Speaker 03

  I even bought a Keurig because I have, I had an espresso machine, which honestly, the pods, I don't know if you know, but the pods for an espresso is expensive.

• 50:22Caleb Hammer?

  Yeah, but it's so cheap to go into Starbucks.

• 50:24Speaker 03

  So I went to, to Facebook Marketplace, found a Keurig for like 10 bucks, got that, have the pods.

• 50:29Speaker 02

  And she still gets coffee from wherever it is that she goes.

• 50:32Speaker 03

  No, my coffee is free, I don't ever pay for my own coffee. Well, I lied, I did pay for coffee the other day.

• 50:37Caleb Hammer?

  Didn't we just see it? Yeah, we saw it literally.

• 50:39Speaker 03

  There was one coffee.

• 50:39Speaker 02

  No, but with a breakfast bowl. There's a, there's some kinda-

• 50:42Speaker 03

  Yeah, I needed a drink.

• 50:43Speaker 02

  Some kinda cup from somewhere.

• 50:44Speaker 03

  Because somebody else at work buys me a coffee.

• 50:47Caleb Hammer?

  Yeah, and if, if that, then it's fine if someone else at work buys you a coffee. Huh?

• 50:53Speaker 02

  Said more friends.

• 50:54Speaker 03

  Yes, all of my, my coworkers.

• 50:56Caleb Hammer?

  I don't know. Yeah, I mean, you both are cheaters. Like, I would have a hard time trusting. I would. That's fair. Come on. Couple of years into this thing, you guys are fighting about money? Yeah, someone's gonna go stick it in or get stuck in.

• 51:09Speaker 03

  You can literally look and see how long ago it was that I've messaged him. You can also go look at his Facebook account right now and see that he's engaged as well.

• 51:16Caleb Hammer?

  That doesn't stop.

• 51:17Speaker 02

  It's weird that you know that and they all still, you know, are on Snapchat.

• 51:21Speaker 03

  Because, I mean, we were friends. Don't get me wrong. There was like a weird little period where we were both flirting with each other and nothing ever-

• 51:30Caleb Hammer?

  You played games with?

• 51:31Speaker 03

  No, not.

• 51:32Caleb Hammer?

  That's who you're talking to, though? And you call him a friend?

• 51:35Speaker 03

  Oh, no. Nothing-

• 51:36Caleb Hammer?

  And we know what you do with your friends.

• 51:37Speaker 03

  No, I've literally never like met in person. We're from the same-

• 51:42Caleb Hammer?

  It doesn't matter. Your first cheating was sending nudes.

• 51:45Speaker 03

  I'm telling you.

• 51:47Caleb Hammer?

  Would you be insulted if she sent nudes to another guy?

• 51:49Speaker 02

  Very.

• 51:50Caleb Hammer?

  Okay, see, then you don't have to meet him.

• 51:52Speaker 03

  Then, I, I mean, I don't understand. I don't.

• 51:55Caleb Hammer?

  I hope not. You guys don't have a good track record.

• 51:57Speaker 03

  I don't.

• 51:58Caleb Hammer?

  You know, yellow flags in yours, no red flags or anything in yours, but again, I'm not saying you are now. But just based on what happened last time, where you guys are, you know, in like weird marriages, things are going hard. You guys don't fix your finances. You guys continue to argue, push blame on each other. Two years into this, leading cause for divorce finances, you guys are arguing all the time. Someone's gonna get it stuck in or stick something in. Somewhere. I mean. This is, your guys' natural reaction is to cheat. That's what both of you did. It's like your natural reactions when things are not easy. You lash out by-

• 52:30Speaker 02

  I think that, uh, I feel a little bit like I've, I've grown out of that.

• 52:34Caleb Hammer?

  Maybe, but I doubt it. I mean, you're a guy with a penis.

• 52:37Speaker 02

  Yeah.

• 52:38Caleb Hammer?

  You're paying child support and you're a woman with a pussy. Like, you wanna get it filled. That's what happens every time. Like, this is, this is not, that's your guys' past. What do we think our household financial score is today? Is zero out of 10, or zero to 10, zero being the absolute worst, 10 being the best?

• 52:56Speaker 03

  Maybe a one. May- maybe a one and a half. I'll be generous.

• 52:59Speaker 02

  Point five.

• 52:59Caleb Hammer?

  Guys, we have revamped the Hammer Financial Score. If you got it before, see the more accurate version now, kalehammer.com. It is free, just takes a few minutes to take, and you can see where you stand in the world of money, where you're doing poorly. What you need to do to improve your finances and what you're already doing great. And if you don't wanna be like a guest who ends up on this show, guys, make sure to download the Dollar Wise Budgeting app. Take the free trial. And if you like it, most people take the annual version, cause they save a lot of money and you get the physical version of my 30-day meal plan, signed by me, mailed directly to you. And the digital version of our cookbook. Check that out, kalehammer.com, dollarwise.com, all those links below. Alright, guys.

• 53:34Caleb Hammer?

  Let's see. I have a checking account first. That's rare. That'd mean something's kind of- What am I looking at here? Capital One?

• 53:40Speaker 02

  Probably both of us.

• 53:42Caleb Hammer?

  Is this the combined?

• 53:43Speaker 03

  That might be the combined one. I'm assuming it's the combined one.

• 53:45Caleb Hammer?

  I have two checkings and two savings. And there's Capital One. And? Okay, see, what the fuck are we doing here? Why are we purchasing on Amazon if the account is negative? Why are we purchasing from the corner market? $5,041. What is that? Energy drink? That looks like an energy drink.

• 54:02Speaker 02

  Yeah.

• 54:03Caleb Hammer?

  If the account is negative, dude.

• 54:05Speaker 02

  I just wasn't looking.

• 54:06Caleb Hammer?

  Is negative, huh?

• 54:07Speaker 02

  I wasn't looking. I had no clue.

• 54:10Caleb Hammer?

  That's pathetic. Grow up.

• 54:17Caleb Hammer?

  Stadium concessions. We're purchasing $31.50. Who did it?

• 54:22Speaker 02

  Probably both of us. It's probably beer at home.

• 54:24Caleb Hammer?

  Hey, you're the looker. You're the responsible one. You were negative.

• 54:27Speaker 03

  Yeah.

• 54:28Caleb Hammer?

  Negative!

• 54:29Speaker 03

  Yep.

• 54:30Caleb Hammer?

  Why were you purchasing $32 from concessions if you were negative responsible one? Adult mother?

• 54:37Speaker 03

  We were at a, uh, a football game and it was really hot.

• 54:40Caleb Hammer?

  Changes it.

• 54:41Speaker 03

  It was really hot. You can't bring outside drinks into a football game.

• 54:44Caleb Hammer?

  Wow, so we should purchase what we're negative!

• 54:47Speaker 03

  I'm not saying we should have purchased when we were negative, but-

• 54:50Caleb Hammer?

  I thought you were a mother. Mother?

• 54:52Speaker 03

  If I need a drink and it's hot outside in Texas, I'm gonna get a drink when it's hot outside in Texas.

• 54:56Caleb Hammer?

  $32.

• 54:57Speaker 02

  Probably some snacks in there. Probably some cotton candy or something.

• 55:00Caleb Hammer?

  It's interesting. That's interesting how it slipped in for our hydration.

• 55:03Speaker 03

  The kids were with us that day too, huh?

• 55:05Speaker 02

  I don't remember.

• 55:06Caleb Hammer?

  Well, who purchased on Amazon for $51.46?

• 55:10Speaker 02

  Not me.

• 55:10Caleb Hammer?

  Okay, why'd you do that when you were negative? Mother? Responsible one? Mother? Huh? Thought you were the one that looks at your account.

• 55:19Speaker 03

  No, no, no, no. Huh? This is connected to his card, so that was not me. This account is connected to his card. His card is not on my Amazon.

• 55:27Speaker 02

  That's all four of them.

• 55:28Caleb Hammer?

  Huh? What am I talking about? Okay, we stopped thinking on an energy drink. That's you. Well, negative, cause you won't look, cause you're pathetic. Travel Center, $49.40.

• 55:40Speaker 02

  Probably gas.

• 55:41Caleb Hammer?

  Huh?

• 55:42Speaker 02

  Probably gas.

• 55:45Caleb Hammer?

  Okay.

• 55:47Caleb Hammer?

  Amazon Prime, $8.11. Well, we're negative already.

• 55:51Speaker 02

  That was probably the subscription. That's the, the price.

• 55:55Caleb Hammer?

  Tavern, $44.17. Something Tavern.

• 55:59Speaker 02

  Was it?

• 56:00Speaker 03

  I don't know what that is.

• 56:01Caleb Hammer?

  Oh, great. So, you, the responsible one, $44. Well, negative. That's what pushed it negative, actually. What is wrong with you? I don't know. That was the end of the negative. Freezy. The payroll came in and it saved you. If it wasn't for that, you would have still been negative, but we're still doing bullshit.

• 56:22Speaker 03

  That's what he always leans on.

• 56:23Caleb Hammer?

  Dude, what are you talking about? You did concessions, you did the tavern.

• 56:26Speaker 03

  I know, I understand.

• 56:27Caleb Hammer?

  You did the Amazon spending. Sorry, the Amazon spending was $97.41. Like, what the fuck is wrong with you? That's while you were already negative.

• 56:34Speaker 03

  I'm just saying, he lets it go negative and his, his thought process there-

• 56:38Caleb Hammer?

  Negative. How can you possibly push blame on this?

• 56:40Speaker 03

  I don't spend on his card.

• 56:42Caleb Hammer?

  What? You just did their stadium and tavern.

• 56:44Speaker 03

  Uh, that's not me, no.

• 56:46Caleb Hammer?

  He says he doesn't purchase on Amazon.

• 56:47Speaker 02

  I don't.

• 56:48Speaker 03

  Yeah, he does.

• 56:49Caleb Hammer?

  Show me your Amazon, then.

• 56:52Speaker 03

  But his, his thought process is, I'd rather overdraft my bank account because there's no fees, rather than spend on a, a credit card, which- And I'll be all, you don't have the money, don't spend the money.

• 57:06Speaker 02

  In my defense-

• 57:07Caleb Hammer?

  In your defense?

• 57:09Speaker 02

  It is, there is no, no overdraft fees or anything like that. And so, that's the main reason that I don't care.

• 57:16Caleb Hammer?

  No, but you likely have a minimum balance fee. So, this isn't possible. He's only had one purchase. And it's, it was $19.98, so these purchases were you.

• 57:29Speaker 03

  Maybe that was a, a bookshelf or something. We did buy a shelf.

• 57:33Caleb Hammer?

  He has some work stuff in his cart.

• 57:36Speaker 03

  That's not work.

• 57:36Caleb Hammer?

  So, pull up your Amazon.

• 57:38Speaker 03

  He just got a 3D printer.

• 57:41Caleb Hammer?

  Oh, okay. Don't purchase that stuff, you freak.

• 57:45Speaker 02

  I, uh, I got the 3D printer for free. I just have to buy- Yeah.

• 57:49Caleb Hammer?

  See, you were-

• 57:49Speaker 03

  Not for that amount of money.

• 57:50Caleb Hammer?

  Yes! No one, okay, there was no other purchases he could have done that, did there?

• 57:54Speaker 03

  That's a, a, what is that? Co-hangers and, uh, dog collars?

• 57:59Caleb Hammer?

  Shock collar.

• 58:00Speaker 03

  Uh, we don't shock the dogs. They get beeped. We have six acres. They roam around and they just get beeped.

• 58:07Caleb Hammer?

  Make sure you turn the shock down to, literally, I think it's one's the lowest setting, so that if you accidentally do it, cause one, I felt one, you can't even feel it.

• 58:15Speaker 03

  Yeah, no, it's a, the buttons are very, very different and they have very good space between.

• 58:21Caleb Hammer?

  But you have 11 things in your cart.

• 58:22Speaker 03

  Oh, yeah, I have a lot in my car right now. I'm really bad about-

• 58:25Caleb Hammer?

  That farmhouse kitchen bullshit? That's so shit. Batteries, that's okay. You don't need this-

• 58:30Speaker 03

  We almost ordered that pantry thing yesterday.

• 58:33Caleb Hammer?

  You don't need that SpongeBob shirt. You don't need that SpongeBob cup. You don't need that SpongeBob shirt, that SpongeBob shirt. The SpongeBob violin. You don't need that queen set. You don't need that queen set. Fuck you. Fuck you. Nothing's funny. You guys are literally like on bankruptcy. Your bankruptcy will be hilarious. The entire internet will laugh at you. Your divorce will be hilarious. Your third, your second.

• 58:54Speaker 03

  I'm just saying the violin would have been funny. And even in those situations-

• 58:57Caleb Hammer?

  Why is that even funny? What are you talking about? Shut the fuck up. Shut the fuck up. Shut up! So, you got some energy drink. Cash app out. Crickets. $37. Crickets? I don't even know what that is.

• 59:09Speaker 02

  Oh, that's a, a restaurant.

• 59:12Caleb Hammer?

  Why you guys go out so much? This is crazy. You got energy drink. Energy drink. Energy drink! Energy drink. Fatty Smoke Shop.

• 59:23Speaker 02

  Vapes.

• 59:23Caleb Hammer?

  Who?

• 59:24Speaker 02

  Both of us.

• 59:25Caleb Hammer?

  What is wrong with you guys? It's always the f***ing hicks that can't control their spending, just vaping their f***ing lungs away. Why? Why? Why do you guys do this?

• 59:34Speaker 02

  Uh, addiction.

• 59:36Caleb Hammer?

  Yeah. When'd you start?

• 59:38Speaker 02

  Uh, I started vaping fairly recent, not recent, but like within the last few years.

• 59:43Caleb Hammer?

  Why?

• 59:44Speaker 02

  I started, started smoking when I was 12, and then I quit from the smoking cigarettes to the vaping.

• 59:50Speaker 03

  You were dipping sometime in between there two.

• 59:52Speaker 02

  Yeah, I was, well, I was dipping at the same time. I was doing both.

• 59:55Speaker 03

  Ew. Uh, ew to the, the dipping.

• 59:59Caleb Hammer?

  Ew for all of it. You're rarely better.

• 1:00:02Speaker 03

  At least mine, it tastes like blue raspberry-

• 1:00:04Caleb Hammer?

  Yeah, you're killing your lungs.

• 1:00:05Speaker 03

  Ice.

• 1:00:06Caleb Hammer?

  Shut the f*** up. Dude, you look 40. Look what you're doing to yourselves.

• 1:00:10Speaker 03

  You know what? At least I'm having fun.

• 1:00:14Caleb Hammer?

  Yeah, and you'll die before you're actually forty. Okay. And you?

• 1:00:17Speaker 03

  If that's my time to go?

• 1:00:18Caleb Hammer?

  How long?

• 1:00:19Speaker 03

  Uh, I probably started when I was twenty.

• 1:00:23Caleb Hammer?

  Why'd you even start at twenty? You weren't at twelve with him.

• 1:00:26Speaker 03

  Funny haha joke.

• 1:00:28Caleb Hammer?

  Oh, just like the violin. It's hilarious. Let me get addicted.

• 1:00:30Speaker 03

  This without coughing my lungs out like you did. And then, next thing I know, I'm out there buying my own vapes.

• 1:00:36Speaker 02

  You learned to dance like that sarcastically?

• 1:00:37Speaker 04

  Yeah, I guess.

• 1:00:39Speaker 03

  So.

• 1:00:40Caleb Hammer?

  What?

• 1:00:41Speaker 03

  Pretty, pretty.

• 1:00:42Caleb Hammer?

  Yes, I was gonna say, that's exactly what you are. We don't need to do thirty-four, thirty-eight dollars on Bath and Body Works, or forty-two dollars on the candle box, or Earthbound for forty dollars.

• 1:00:53Speaker 03

  Oof.

• 1:00:53Caleb Hammer?

  We can't afford life, guys. What the [__] are we doing? What the [__] are we doing? Zelling out a lot of money. Travel center, but that looks like not gas that time.

• 1:01:02Speaker 02

  Nine hundred for Zell, then that's just rent.

• 1:01:04Caleb Hammer?

  It was two ninety-two.

• 1:01:06Speaker 02

  Oh, then that was, uh, utilities.

• 1:01:09Caleb Hammer?

  Zell? Who are you zelling?

• 1:01:11Speaker 02

  My dad. I rent from my dad, and the utilities are in his name, so I send, uh...

• 1:01:15Caleb Hammer?

  Dad? What? What's this? What's your rental situation?

• 1:01:19Speaker 02

  It's his property, uh...

• 1:01:21Caleb Hammer?

  On his property? Okay. Well, like a mobile home?

• 1:01:24Speaker 02

  Yeah.

• 1:01:25Caleb Hammer?

  Oh, you guys are just so hick to the bone.

• 1:01:28Speaker 03

  It's a nice little single wide.

• 1:01:31Caleb Hammer?

  You own the mobile home, though?

• 1:01:32Speaker 02

  He does. It's in his name.

• 1:01:33Caleb Hammer?

  Shit, man, you don't have anything. We can save a loan for you. Does he live on the property?

• 1:01:38Speaker 02

  No.

• 1:01:39Caleb Hammer?

  Okay, that's good.

• 1:01:40Speaker 02

  It's, uh, it's his property.

• 1:01:41Caleb Hammer?

  Privacy, right?

• 1:01:42Speaker 03

  Yeah. No, I still don't have privacy, because it's his land, it's his house, he'll just show up whenever.

• 1:01:48Caleb Hammer?

  Oh, that's weird. How often is he showing up?

• 1:01:50Speaker 02

  He's not like he comes in the house or anything like that. He just shows that he has cows that he puts on the property.

• 1:01:55Caleb Hammer?

  What?

• 1:01:56Speaker 02

  He comes up. We live on six acres, and so, we live a little bit outside of town. And so...

• 1:02:02Caleb Hammer?

  Well, I would assume cows.

• 1:02:04Speaker 02

  And so, he's just, he puts a few of them out there.

• 1:02:06Caleb Hammer?

  Well, how do you, do you like it? Cause if we're making goals and stuff, yeah, in the middle of nowhere, cows, dad always showing up.

• 1:02:13Speaker 03

  Uh, no. No, uh...

• 1:02:16Caleb Hammer?

  How often is he showing up? Cause it is, I mean, like, I, I, I love my parents. Like, I get it, but like, if, if they're just like endlessly showing up, it's like, what are we doing? How frequently?

• 1:02:25Speaker 03

  It's not like endlessly showing up, but, I mean, maybe once every couple of weeks, and they'll just come and do random shit in the yard. We came home from a dirt bike race and there's a random [__] fence in the yard that we had discussed.

• 1:02:38Caleb Hammer?

  Why do you guys live on his property, then, if you hate it?

• 1:02:42Speaker 02

  I don't hate it.

• 1:02:44Caleb Hammer?

  Well, she does, your wife.

• 1:02:47Speaker 02

  Uh, because we pay significantly less in rent than where we would in, uh, you know, somewhere else, and... Plus, at the end of the day, it's, I already know that when, when he passes on, that that's getting left to me, like, the property and stuff like that.

• 1:03:01Caleb Hammer?

  That doesn't mean you have to live in an owl. I mean, how far are you guys away from work?

• 1:03:04Speaker 02

  Uh, I just walk to my, my work van every day.

• 1:03:08Speaker 03

  He, he travels for his job, so...

• 1:03:09Caleb Hammer?

  What about you? Sounds like you're far from town.

• 1:03:12Speaker 03

  Yeah, no, I'm driving an hour and twenty minutes one way.

• 1:03:15Caleb Hammer?

  Like, living there, because she's far from everything, she's an hour and twenty from work, oh my gas bill and maintenance on car, and the dad and cows always show up, and she doesn't even want that. Why are you forcing her to live there? She's your wife about to be.

• 1:03:28Speaker 02

  I'm not forcing her to live there.

• 1:03:30Speaker 03

  I can't agree that it is cheaper, and I can appreciate the fact that we have what we have for...

• 1:03:35Caleb Hammer?

  What's she spend on gas a month?

• 1:03:36Speaker 03

  A lot. And that's what I was...

• 1:03:38Caleb Hammer?

  How much? How much?

• 1:03:39Speaker 03

  I wanna say probably six hundred bucks.

• 1:03:41Caleb Hammer?

  Okay, see, imagine if half of that went to rent combined with what you're giving your dad.

• 1:03:45Speaker 03

  I was trying to tell him.

• 1:03:46Caleb Hammer?

  You could live in civilization.

• 1:03:47Speaker 03

  But he's convinced that if we move off of this land and out of this house... So, he lived there previously, then he moved in with me, he's convinced if we move out of that again, that his family will disown him, and he won't get the land anymore.

• 1:03:58Caleb Hammer?

  It's your dance property, why would he do that?

• 1:04:00Speaker 02

  Cause it... I, I know that he doesn't wanna sell it, and so, but it would put him, where if he was having to make the payments, where he would have to sell it. The whole reason that he got put there was to help me out.

• 1:04:12Caleb Hammer?

  Why the [__] does he have it if he can't pay for it? He's doing cattle on there. He's not making money?

• 1:04:16Speaker 02

  The, the property, this, the house. The...

• 1:04:20Caleb Hammer?

  Oh, the, the payment on the [__] single wide?

• 1:04:23Speaker 02

  He owns the property. We've had the property, well, the, the family's had the property.

• 1:04:26Caleb Hammer?

  Property's paid off, okay.

• 1:04:26Speaker 02

  Yeah.

• 1:04:27Caleb Hammer?

  Well, then, yeah, he can get rid of the single house, who cares? It's not what you guys wanna live in when you move there, anyway. Who would?

• 1:04:32Speaker 02

  It's depreciating asset, so he can't sell it right now without going upside down, and that's the issue.

• 1:04:38Caleb Hammer?

  Well, that's fine, cover the difference. How much would the difference be?

• 1:04:40Speaker 02

  Uh, I haven't looked into it.

• 1:04:41Speaker 03

  He refuses to look into it.

• 1:04:43Speaker 02

  It's not that I've asked them to, about it, but they just, every time, they get real back offish, like, they don't want to discuss it.

• 1:04:50Speaker 03

  Actually ask them about it.

• 1:04:51Speaker 02

  I've asked, like, is there ways that we can go about getting out of it?

• 1:04:54Caleb Hammer?

  I have good news. I'm gonna call them in the post-show, and we're gonna [__] deal with this, so your future wife can actually have a little bit of breathing room. My goodness, this is [__] insane. Yeah, I'm sure it'll be contentious, but I'm good at contentious. I just yell. Energy drink. Energy drink. Bullshit. McDonald's. We can't say we can't afford shit if we're just doing this every, like, literally, once or twice a day. This is insane. Energy drink, or bullshit, uh, Cash App thirty-five dollars, energy drink, energy drink! She, oh, oh, good, why not? A whole other page of bullshit. Dairy Queen. Pandora Jewelry.

• 1:05:30Speaker 03

  That was my ring.

• 1:05:33Caleb Hammer?

  Jeez, you got the ring, like, six months in? Seven months in?

• 1:05:38Speaker 02

  No, that would've been...

• 1:05:39Caleb Hammer?

  Would you guys start dating?

• 1:05:41Speaker 02

  March of twenty-five.

• 1:05:42Caleb Hammer?

  Okay, so, okay, almost a full year. Supplements, supplements, Cash App thirty bucks, energy drink. Maybe bullshit, maybe not, hard to tell, energy drink, Game Pass thirty-two bucks.

• 1:05:56Caleb Hammer?

  Bullshit, energy drink, energy drink, Cash App out, Cash App out, jewelry and more.

• 1:06:02Speaker 03

  I still want a Cash App.

• 1:06:03Caleb Hammer?

  It is. Where's it all going? It's like thirty bucks, thirty bucks, thirty bucks, thirty bucks. Who's it going to?

• 1:06:07Speaker 02

  It's probably, uh, loan repayments.

• 1:06:09Caleb Hammer?

  Cash? Oh, my goodness, I'm gonna need to see your Cash App statement. You have access to his Cash App statement?

• 1:06:14Speaker 03

  No.

• 1:06:14Caleb Hammer?

  Oh, so we don't have full access to each, to being able to see things?

• 1:06:18Speaker 02

  She's more welcome to look at it. She has her face in my phone.

• 1:06:21Caleb Hammer?

  One more time, what?

• 1:06:24Speaker 02

  That's what I'm talking about, is probably the thirty dollars.

• 1:06:27Speaker 03

  Yeah, I found out he was borrowing money for, from Cash App. I had no clue. Uh, whenever a charge for like, what was it, like, three hundred bucks hit our account, and I was like, who, who the [__] are you Cash Apping three hundred bucks to, like, that? What are you doing? He was like, oh, I, okay, I have money, so they just take whatever they wanna take, whatever they want to take it. I don't know. Done.

• 1:06:50Speaker 02

  I had signed up for, like, a lump sum repayment instead of drawing it out on that specific one.

• 1:06:54Speaker 03

  We, we had a, a talk about that one.

• 1:06:57Caleb Hammer?

  Okay, lots of Cash App, Cash App, bun slut.

• 1:07:02Speaker 02

  Food.

• 1:07:03Speaker 03

  That's a, that's a burger place.

• 1:07:04Caleb Hammer?

  Parking. It continues. This is [__] crazy that it continues. What are we doing? Oh, cause there's two checking accounts, so this is the other joint checking account. I guess, okay. Um, energy drink, Microsoft Game Pass again. We have two different Game Passes, that's great. Pizza Hut, vending machine, you're gaming, like, and an energy drink again. Forty cents, dude, forty cents. Raspberry cherries mine, raspberry apples mine, best flavor ever. We'll send you one when it comes out. It's so [__] good. We compared it to, like, every flavor, we've [__] tweaking with all these combinations. It is insane.

• 1:07:37Speaker 02

  Yeah, that does actually sound really good.

• 1:07:39Caleb Hammer?

  It's [__] insane. It's actually insane. Uh, bullshit. Subway. Amazon. There we go. I'm sure there is, like, monthly maintenance bullshit, because you don't have enough in there. Even without the [__]. Oh, he's been big on using Dave. He's been using Dave, you know that?

• 1:07:58Speaker 02

  Uh, it just, it wasn't something that was a continued thing, and so, it never really came up. It wasn't like I was hiding it, but I just, I never, never thought to tell her.

• 1:08:07Speaker 03

  Had no clue what it was.

• 1:08:08Caleb Hammer?

  Now, I know, yeah, so a lot goes to child support. That's fair. But even still, you're just like... Why spend so much money on bullshit if you're in, like, that pay advance cycle? Like, you can get out of it in a month with just getting half your energy drinks.

• 1:08:22Speaker 02

  That's why we're here. That's, uh...

• 1:08:24Caleb Hammer?

  No, you just get half your energy drinks. What, what am I gonna, what the [__], what do I do with that?

• 1:08:28Speaker 03

  He used to drink, like, three a day.

• 1:08:30Caleb Hammer?

  Congratulations, that's why you're here. Don't get half the [__] energy drinks you get. Congratulations, that's why you're here. Well, you figured it out.

• 1:08:37Speaker 02

  No, I'm not, not that specifically, but obviously, we just, you know, we're impulsively spending all of our money, and I mean...

• 1:08:43Caleb Hammer?

  That's why you're here. Don't impulsively spend all your money. Congratulations.

• 1:08:46Speaker 02

  A lot of that is, I drive a lot. Like, I drive to Dallas every day.

• 1:08:50Caleb Hammer?

  Good, buy bulk energy drinks. Good, have gamer subs, make your own energy drink. It's delicious.

• 1:08:54Speaker 03

  Cooler, in his van.

• 1:08:55Caleb Hammer?

  Don't even need that, dude, you [__] make it! It's so cheap!

• 1:08:59Speaker 03

  We also have, like, fifty shaker bottles at home.

• 1:09:02Caleb Hammer?

  Like, what are we doing, then?

• 1:09:05Caleb Hammer?

  Oh, what is this? Oh, okay. One of the angry things that you were talking about, why he's just never gonna escape the cycle, is that you're, okay, you're upset at him blowing the money from his previous cycle. It's just always in it, cuz you got $10,000 from your employer or something? But then he just blew it. Like, what the, why'd you get 10,000 hours?

• 1:09:26Speaker 02

  So, the, I was working for a company and they, uh, they got sued in a class action lawsuit and I joined on it and, uh,

• 1:09:35Caleb Hammer?

  Join the Morgan and Morgan one, by the way. I think you literally get free money. Like, the description, wasn't even gonna plug that, but like, like, almost like, everyone's getting free money from that one.

• 1:09:44Speaker 02

  But yeah, no, they, uh, so they, they paid out for that.

• 1:09:48Caleb Hammer?

  10,000? You're not, geez. How'd you, how'd you 10,000? You already made good money, dude. Where'd it go?

• 1:09:56Speaker 02

  Mostly attorneys. That was, I was making payments to the attorneys and that's why I had no money when we first met. But then I used most of that to pay all that off.

• 1:10:05Caleb Hammer?

  Yeah, I'd be concerned too.

• 1:10:09Speaker 02

  I did definitely blow some money.

• 1:10:11Caleb Hammer?

  Okay, you also spent some money upgrading your truck tires and upgrading your radio.

• 1:10:16Speaker 02

  Yeah.

• 1:10:17Caleb Hammer?

  Your radio?

• 1:10:18Speaker 03

  I knew how much he was getting.

• 1:10:20Caleb Hammer?

  Upgrades a radio?

• 1:10:21Speaker 02

  Well, it took, it wouldn't turn on anymore and so I just got it.

• 1:10:24Caleb Hammer?

  It's a radio. Plug your phone in.

• 1:10:27Speaker 02

  It didn't do that. That's what I'm saying. I got something that would do that.

• 1:10:30Caleb Hammer?

  How much did that cost?

• 1:10:32Speaker 02

  It was like $115 off Amazon.

• 1:10:36Speaker 03

  I knew he was getting that amount of money and we had discussed saving that amount of money.

• 1:10:40Caleb Hammer?

  You guys were together.

• 1:10:41Speaker 03

  Yes. I discussed saving X amount of money. I don't remember exactly how much it was that I wanted to set aside and he was dead set on buying a dirt bike with it. Dead set on buying a dirt bike. I got him to, to not buy a dirt bike with it, God bless.

• 1:10:54Caleb Hammer?

  You're gonna put it towards like your future wedding. Ladies and gentlemen, I got something new to help you that we have personally built, right here on CalebHammer.com. We have three new Caleb Hammer Financial Resources. They are the ones I would personally use, which is why we made them for you to use. As you've already heard me talk about, personal loans are okay when you're good at debt. I personally use them when I can leverage them for a situation. So we have good personal loans on CalebHammer.com. We also have auto insurance now. You can check for free and see if you can save a shit ton of money on auto insurance. And then to close it off for now, cuz we're building more, we have a debt relief program.

• 1:11:34Caleb Hammer?

  You've seen how hard it is for people to get out of debt on this show. This makes it so much easier, but only if you're actually ready to change. Remember, none of this actually matters if you continue the same bad behavior. So it's not for you if you still suck. But if you've proved you can budget, check out these three programs from personal loans to debt relief to car insurance to see if you can save a shit ton of money across the board. Go to CalebHammer.com or the Caleb Hammer Financial Resources part of the pinned comment or description below and save a shit ton of money. Start bucks is bullshit and a waste of money and you already know that by making your coffee at home and investing the rest.

• 1:12:12Caleb Hammer?

  So now you need to do that with your energy drink as well. Make gamer subs at home for just 40 cents a serving. Honestly, it literally tastes better and we proved this accidentally via a blind taste test in our Hammer Elite show, Fat and Fatter.

• 1:12:27Speaker 05

  The number one ranked energy drink is gamer subs.

• 1:12:31Speaker 06

  Literally, the cherry flavor is insane.

• 1:12:34Caleb Hammer?

  Listen, you can also get free samples to see if you like it or 10% off your order at gamersubs.gg or click that link in the description below, type in code Caleb. How much are you gonna spend on the wedding next year? Well, you guys are like this.

• 1:12:49Speaker 03

  Um, hopefully not a lot. My mom is really, uh, bulldogging her way in. Love her to death, but, um,

• 1:12:56Caleb Hammer?

  So your dad, her mom.

• 1:12:58Speaker 03

  I was convinced that we would just go to an Airbnb. I wanna do it in North Carolina where my family is.

• 1:13:04Caleb Hammer?

  Okay, sure.

• 1:13:05Speaker 03

  And plus, I love the mountains. Texas sucks. Landscape here, awful. So I wanna go to the mountains.

• 1:13:10Caleb Hammer?

  Where in Texas?

• 1:13:11Speaker 03

  The only place I've been is like central Texas.

• 1:13:14Caleb Hammer?

  Okay, well, then you're in one place. I was gonna say, cuz you got tall pines on the east, you got swamps in the east, you got, uh, rolling plains in the Panhandle, you got the hill country here, you got big mountains and desert in the west. You got national parks in the west. We have one of the most diverse states in terms of landscapes. You can get everything in here, so I wouldn't just say that. But you can still get married in North Carolina. You're just talking about the literal, uh, Smoky Mountains, which, I mean, again, you can find diverse topography here, but either way, for the family, I do get that.

• 1:13:45Speaker 03

  Yeah, so, um,

• 1:13:46Caleb Hammer?

  Yeah, if you stay in Waco, surprise, you're not gonna see very much.

• 1:13:52Speaker 03

  I've been a little outside and I mean, it's still nothing compared to, to North Carolina landscapes. But I digress anyways.

• 1:14:01Caleb Hammer?

  It's not, usually the place in the country, everyone's, okay, sure, go on. I've driven through there so many times, I mean, uh,

• 1:14:08Speaker 03

  You're probably just driving through the city.

• 1:14:10Caleb Hammer?

  What? No, I've driven through the, uh, uh, why, why are I calling them Smoky Mountains? No, the,

• 1:14:17Speaker 03

  Appalachian?

• 1:14:18Caleb Hammer?

  Appalachian, yeah. Appalachian Mountains. I've driven through them multiple times.

• 1:14:23Speaker 03

  I, well,

• 1:14:25Caleb Hammer?

  Well, how much are you gonna spend for that?

• 1:14:27Speaker 03

  That's what I'm getting to. I only wanted to get an Airbnb for a week for me and him and just go get married in the backyard because that's cheap. Um, my mom, however, called me and found this venue. Um, don't get me wrong, it's cheap. It's 2,500 bucks for three days, two nights. I told her no because I don't wanna spend any extra money. I just wanna go to an Airbnb, get married in the backyard, whatever, whatever. And then she called Tony over here and Tony said, oh yeah, that sounds great. So what did my mom do? Put the deposit down. It was like, okay, you owe this much by this, this amount and this much by this amount.

• 1:15:00Speaker 02

  I didn't agree to it knowing that she had said no. She called and asked me what I thought about it and I took that as we were having.

• 1:15:06Caleb Hammer?

  You had already said no specifically?

• 1:15:08Speaker 03

  I said no.

• 1:15:09Speaker 02

  And so I thought it was just a discussion about.

• 1:15:11Caleb Hammer?

  Tell her to fuck off then.

• 1:15:12Speaker 03

  Well, now there's already a contract signed and they did agree to pay for half of it.

• 1:15:18Speaker 02

  Almost half.

• 1:15:18Caleb Hammer?

  Okay, half of the 25?

• 1:15:20Speaker 03

  Yeah.

• 1:15:20Caleb Hammer?

  It's not that much. It's fine. Just do it.

• 1:15:22Speaker 02

  And at that point, we would have almost spent that much on an Airbnb.

• 1:15:25Caleb Hammer?

  I mean, it's your wedding. If you don't wanna do that specifically, then definitely don't do it, but.

• 1:15:29Speaker 02

  And they're gonna take care of a lot of the other stuff that we would have had to do on top of it, like the chairs.

• 1:15:34Speaker 03

  The receptions at the same place.

• 1:15:36Speaker 02

  Having like an actual, like,

• 1:15:38Caleb Hammer?

  How much is it gonna cost in the end?

• 1:15:39Speaker 02

  No, that's all included with that. We would have to get that on top of the Airbnb.

• 1:15:44Speaker 03

  That's still additional because I still wanna keep the week.

• 1:15:47Caleb Hammer?

  Would you want it if you could pay for it?

• 1:15:50Speaker 03

  Yeah.

• 1:15:50Caleb Hammer?

  You can afford it. In a year, we could afford it.

• 1:15:54Speaker 03

  We can't.

• 1:15:54Caleb Hammer?

  No, if you're doing it right now, but it's whatever. I mean, literally, you spent, you spent more than that on Synchrony this last month. So it's like, what are we talking about? The conversation you don't even, yeah, but you spent more than that. More than your half on just that. So like, if we're talking about affordability, like, what, what the fuck are we doing here? You literally just got 2,379. Yeah, for what? For what?

• 1:16:16Speaker 03

  Um, so I went and got my glasses and I used my care credit for it and then I went to the dentist and they gave me this treatment plan and I told them I had care credit. I thought they were just putting it on the account to like, charge as I went in and did stuff. But no, they charged the whole amount that I had on my care credit, my care credit. So now I'm in the process of trying to get refunded, but,

• 1:16:36Caleb Hammer?

  Well, you better cuz deferred interest is accruing and one of them is gonna hit in just a few months.

• 1:16:41Speaker 03

  Yeah.

• 1:16:41Caleb Hammer?

  That's gonna be hundreds added. That's gonna fuck you. Okay, but even more critically, credit one, which is basically the worst you can get.

• 1:16:51Caleb Hammer?

  What the fuck is going on here? Who is this?

• 1:16:53Speaker 02

  That's mine.

• 1:16:54Caleb Hammer?

  Why? What's happening?

• 1:16:56Speaker 02

  It was to rebuild credit and I didn't know that it was, it was that bad. It was the only thing I could get approved for.

• 1:17:02Caleb Hammer?

  No shit. So probably don't take it if it's the only thing you can get approved for. You'll know it's predatory.

• 1:17:07Speaker 03

  He didn't know that until he started watching you.

• 1:17:09Caleb Hammer?

  Adding on, it's horrible. 28.74% interest rate.

• 1:17:15Caleb Hammer?

  Now, this thing about the wedding, you said earlier, you're talking about pushing it back?

• 1:17:19Speaker 02

  No, just not like getting married and like, yeah.

• 1:17:27Caleb Hammer?

  What?

• 1:17:28Speaker 03

  I thought that I missed something in the conversation that he was talking about, just not getting married and I was, it was a very confusing second.

• 1:17:39Caleb Hammer?

  Now, why are you all in all this debt, dude? Like Credit Builder, but it's all maxed out. Why are you in the debt? You didn't purchase on it cuz there's not really much wig room to purchase. 56992 owed on it with a $30 minimum payment. Why do you owe?

• 1:17:54Speaker 02

  Uh, only making minimum payments and still charging on it. I, I honestly, let me connect.

• 1:17:59Caleb Hammer?

  Why? Why is the balance at a high? Why'd you get into it is what I'm asking.

• 1:18:06Speaker 03

  Probably more bullshit spending.

• 1:18:08Speaker 02

  What were we buying? I don't remember.

• 1:18:11Speaker 03

  If I don't, it's not my card.

• 1:18:13Caleb Hammer?

  How can you fix anything if you know nothing?

• 1:18:15Speaker 02

  I'm pretty sure.

• 1:18:16Speaker 03

  No, we were surviving off of my card when we moved. That was my card.

• 1:18:19Speaker 02

  Before, cuz there's no, no recent charges. It's just maxed out. Cuz the limit should only be 500.

• 1:18:25Speaker 03

  I don't know. That's not my card. That's not my card. I don't have access to that card. I don't know how you spend your money, so.

• 1:18:31Speaker 02

  But yeah, I, uh, I also, my, uh, my second wife was, she had a very bougie lifestyle, you know, and so I was paying for that and that ran up a lot of the, the tab and then.

• 1:18:43Caleb Hammer?

  You're paying for it on credit one?

• 1:18:45Speaker 02

  Just everything cuz I, I had, you know.

• 1:18:47Caleb Hammer?

  How bougie was this lifestyle? What, you had no input on the lifestyle?

• 1:18:51Speaker 02

  No, that was just a lot of like very differences in our lifestyles. She was very bougie, like she, she had a 900.

• 1:18:57Caleb Hammer?

  Say no.

• 1:18:59Speaker 02

  I not wanted to listen to her, bitch.

• 1:19:02Caleb Hammer?

  Oh, seems to be a

• 1:19:05Caleb Hammer?

  common thread in your relationship. So you have no backbone, you're a pussy.

• 1:19:08Speaker 02

  No, I wouldn't say that.

• 1:19:09Caleb Hammer?

  I would.

• 1:19:10Speaker 02

  I would say that, uh, some things aren't worth arguing about.

• 1:19:12Caleb Hammer?

  Well, it seems like everything, including you going into debt.

• 1:19:15Speaker 03

  Your credit gain ruined is definitely something to worry about.

• 1:19:17Caleb Hammer?

  What's your credit score?

• 1:19:19Speaker 02

  Terrible.

• 1:19:20Caleb Hammer?

  What's your credit score?

• 1:19:21Speaker 02

  Oh, five something? I don't know.

• 1:19:26Caleb Hammer?

  Quicksilver, why are we purchasing on our card that we cannot fully pay off and only put minimums to that is accruing interest? What are we doing? Who is this?

• 1:19:33Speaker 02

  That's hers.

• 1:19:33Caleb Hammer?

  Why, you're the responsible one. Why are you purchasing on a card that is accruing interest that you cannot fully pay off?

• 1:19:41Speaker 03

  I didn't even know it was accruing interest at that point, honestly. Um,

• 1:19:45Caleb Hammer?

  What do you mean?

• 1:19:45Speaker 03

  I haven't had it.

• 1:19:46Caleb Hammer?

  $378.48 minimum monthly payment, $25. Then you should definitely know, you should be tracking it even closely.

• 1:19:52Speaker 03

  When we moved out of my friend's house, we, the whole reason we moved out is because, Don't care. Don't care. Still don't.

• 1:20:00Speaker 02

  I don't care. I don't.

• 1:20:02Caleb Hammer?

  What does this have to do with you purchasing while there's interest accruing on this card?

• 1:20:05Speaker 03

  Ah, we had to get furniture. I'm assuming that's probably what that was.

• 1:20:10Speaker 02

  That's a gas station.

• 1:20:12Caleb Hammer?

  No, you're just putting gas on a card that is accruing interest that you cannot pay off. What the are you talking about? What rambling bullshit cope are you doing to me right now?

• 1:20:21Speaker 03

  Maybe that was, ah, maybe I didn't have enough money in my account, so I just swiped my card for gas, but I promise you I paid it off.

• 1:20:27Caleb Hammer?

  Why would you not have enough money in your account, responsible one mother?

• 1:20:30Speaker 03

  Probably because I was bullshit spending all some bullshit.

• 1:20:32Caleb Hammer?

  How are you responsible one mother?

• 1:20:34Speaker 03

  I wouldn't say that I'm super responsible, but I'm more responsible than he is. At least I look at the damn account and I know I don't have the money in the damn account.

• 1:20:42Caleb Hammer?

  Flaming mess.

• 1:20:44Speaker 02

  That's a, I, I really did think that she was, she would tell me that, you know, she's looking at the bank every day. And this is the, the arguments, how are you spending all this money? But, you know, I'm checking the bank and I'm trying, and she was getting on to me for it. But, you know, she's also spending all the, the money and, uh.

• 1:21:01Caleb Hammer?

  Okay, well, I have a Capital One card. Now, there's no balance on it, so I'm not going to write it down. But what concerns me is there's been a late fee this year, even though you've paid it off. Why, why are we having late fees?

• 1:21:11Speaker 02

  Is that the?

• 1:21:11Caleb Hammer?

  Who is this?

• 1:21:12Speaker 02

  Is it the Quicksilver?

• 1:21:13Caleb Hammer?

  Platinum. Platinum secured, Capital One.

• 1:21:16Speaker 02

  That's me.

• 1:21:16Speaker 03

  That's you.

• 1:21:17Caleb Hammer?

  Why is it late? Why are you not on time? Well, are we shocked with your history? No. But what the is going on, man?

• 1:21:22Speaker 03

  Probably because you didn't look at it.

• 1:21:24Speaker 02

  Probably.

• 1:21:24Caleb Hammer?

  Why is autopay not on then? And if you know you suck.

• 1:21:29Speaker 02

  That she, she set all of that stuff up for me.

• 1:21:31Caleb Hammer?

  She had to set it up for you. How the is he gonna deal with?

• 1:21:37Speaker 02

  Why do I need to?

• 1:21:37Speaker 03

  I don't know how he did it before I, I came in, honestly.

• 1:21:41Caleb Hammer?

  It's yours. You're a father, dude.

• 1:21:43Speaker 02

  Yeah.

• 1:21:43Caleb Hammer?

  How, how, you need your literal fiance to set up autopay for you or else it won't be done?

• 1:21:49Speaker 02

  I just don't want to do it.

• 1:21:50Caleb Hammer?

  Understand how pathetic this is?

• 1:21:52Speaker 03

  Hundred percent true.

• 1:21:52Caleb Hammer?

  As a father, as a man, as a partner? What is wrong with you?

• 1:21:57Speaker 02

  I don't think there's anything wrong with delegating.

• 1:21:59Caleb Hammer?

  Delegating, it's your card.

• 1:22:02Speaker 02

  Yeah, and I could delegate the finances to her and I thought that that's what was happening.

• 1:22:06Speaker 03

  No.

• 1:22:07Caleb Hammer?

  Okay, she doesn't want to and she's your partner. So what are we doing here?

• 1:22:10Speaker 02

  But that's what the discussion's been.

• 1:22:11Speaker 03

  The most about is finances and the fact that you just want to throw all your finances on top of everything else onto me. Sucks. That shit is dumb. That you know that is the biggest thing that stresses me out, the biggest thing that'll get me in a bad mood quick. And the fact that you refuse to care for yourself is awful. It's extremely irritating and I can't stand it.

• 1:22:33Speaker 02

  But you're already checking every day. Why can't you just tell me?

• 1:22:37Speaker 03

  Because why the do I have to tell you? You're a grown up. You're a grown man. Literally, you're a grown man. All it is, is open the app. Face ID, the same face ID that you use to unlock your phone that takes less than five seconds to look.

• 1:22:52Speaker 02

  The issue is not the face ID. The issue is when it does not work. I'm not gonna sit there and type out my password.

• 1:22:57Speaker 03

  Why the don't you even try?

• 1:23:00Speaker 02

  I'd, I've.

• 1:23:01Speaker 03

  Literally just try once. If it doesn't work, guess what? Try it again in a couple hours or some shit. I don't know. It sounds like a bunch of bullshit excuses and it's dumb. And, oh, I'm driving, you're not driving 24 hours a day. When you stop at the gas station to buy your little snacky snack, your little drinky drink. Guess what? You have the time right there. You're stopped. Boop.

• 1:23:23Speaker 02

  Well, whenever you look, just say, hey, we don't have the money for you to spend any money today.

• 1:23:27Speaker 03

  I literally have. I've told you we don't have the money to spend. And guess what? Oh, there's still energy drinks being purchased.

• 1:23:35Speaker 02

  It's a fee-free overdraft.

• 1:23:38Speaker 03

  I don't give a about fee-free overdraft. Maybe we should just turn that shit off on your card because mine does not allow me to overdraft. You just overdraft because, ah, fuck it. When the paycheck hits, it won't be negative anymore. That's dumb. That mindset is dumb.

• 1:23:57Speaker 02

  Yeah.

• 1:23:58Caleb Hammer?

  Think you are a child. Let me just, also say, do you pay your phone bill?

• 1:24:03Speaker 02

  No.

• 1:24:03Caleb Hammer?

  Of course not. At 28, great. Who pays it?

• 1:24:07Speaker 02

  Uh, I'm on my parents' plan. And it's more so I just for, they, they don't ever ask for it and I don't ever remember to just send it.

• 1:24:15Caleb Hammer?

  You what? You have no responsibility to save your life. You live with, on your dad's property. You, you've never done anything. You've never accomplished anything other than coming. As head of a woman.

• 1:24:25Speaker 03

  At least it was a woman.

• 1:24:27Caleb Hammer?

  Huh?

• 1:24:28Speaker 03

  I said, at least it was a woman.

• 1:24:30Caleb Hammer?

  Why?

• 1:24:32Speaker 03

  Cause, uh, his, his dad would definitely would have disowned him if it weren't a woman.

• 1:24:37Caleb Hammer?

  Okay, so he's homophobic?

• 1:24:41Speaker 02

  Uh, my dad's just a very staunch Baptist conservative, like.

• 1:24:44Caleb Hammer?

  He would be homophobic.

• 1:24:46Speaker 02

  Yeah, I, I, yeah. I wouldn't say he goes out of his way to do anything.

• 1:24:50Caleb Hammer?

  If he came inside men, he just wouldn't have kids. We wouldn't know. He's probably come inside men. Who knows?

• 1:24:54Speaker 02

  No.

• 1:24:56Caleb Hammer?

  Are you homophobic?

• 1:24:57Speaker 02

  No, I don't have any problem with people that are gay. I'm just not into that.

• 1:25:02Caleb Hammer?

  Uh, so it's cute.

• 1:25:09Caleb Hammer?

  Okay. Oh, collections. Who has collections? Probably you. You're the bad collection.

• 1:25:14Speaker 02

  You have a rising.

• 1:25:15Caleb Hammer?

  Credit guy.

• 1:25:18Caleb Hammer?

  That's what this is? $1,417?

• 1:25:20Speaker 02

  I thought that I can't.

• 1:25:22Caleb Hammer?

  You're on your parents' phone plan.

• 1:25:23Speaker 02

  That's a lot of why I'm on their phone plan.

• 1:25:25Caleb Hammer?

  Oh my gosh, you really can't do anything. This is pathetic.

• 1:25:30Speaker 02

  That was, uh, after the, the first divorce. We had a phone plan together. I thought that I would cancel it, but. I guess I didn't, or maybe, I don't know. I really don't, but they kept billing me and I wasn't using them anymore. And so then I just, it showed up and I just haven't paid them.

• 1:25:45Speaker 03

  So he just decides to ignore it?

• 1:25:47Speaker 02

  It'll fall off after seven years.

• 1:25:49Caleb Hammer?

  Um, you know what else they can do though? Sue you.

• 1:25:52Speaker 02

  Yeah.

• 1:25:54Caleb Hammer?

  It's happening on the show. It's happening in many of the Caleb Hammer shows.

• 1:25:57Speaker 03

  That's a lot of money for Verizon.

• 1:25:59Caleb Hammer?

  Decent enough to sue. You know what they do? They sue you. You like going to court. You go to court, you spend on legal fees. You know what they do? They get a court order. That court order garnishes your wages. Your wages are already taken from you thanks to child support. Why not have even more taken from you? That's not uncommon.

• 1:26:13Speaker 02

  They can wait in line.

• 1:26:16Caleb Hammer?

  What do you mean?

• 1:26:19Speaker 02

  They, uh, they can't legally take more than 50% of my wages. And so if they get to that point, then.

• 1:26:25Caleb Hammer?

  Who can't?

• 1:26:26Speaker 02

  Anybody. That you can't have, that's the law. They can't withhold more than 50% of what your, your wages are. And so.

• 1:26:34Caleb Hammer?

  Okay, maybe child support, maybe default on student loans. This might be a court order on extra. I don't know.

• 1:26:39Speaker 02

  Yeah.

• 1:26:39Caleb Hammer?

  But even still, even if it is 50%, 50% is insane. Literally, she, she's being forced to live somewhere she really doesn't want to. And you're like, yeah, let's just take even more of my money.

• 1:26:52Caleb Hammer?

  Like, that's pathetic. You're not a partner.

• 1:26:57Caleb Hammer?

  How do you let Verizon go that much? Go to collections, dude? I don't even know.

• 1:27:00Speaker 02

  Well, I didn't know about it until it was in collections.

• 1:27:03Caleb Hammer?

  You were crying about your finances and your mom said that she was gonna take over. Your mom's gonna take over y'all's finances now?

• 1:27:10Speaker 03

  That was, I, I was overreacting. I got a speeding ticket a little while ago. And I was, uh, I don't know why I panicked so much, but I was like, I don't have enough money to pay for this. I literally just switched our car insurance so that it would be cheaper. And it, because I had a little meltdown, my mom was like, don't worry, I got the phone bill.

• 1:27:28Caleb Hammer?

  Well, you're on your mom's phone bill too. The adult, the responsible one, the fucking good one.

• 1:27:31Speaker 03

  My phone wasn't paid off whenever I got divorced and I didn't want to pay for it.

• 1:27:36Caleb Hammer?

  This must be a car loan. What is this? $30,711?

• 1:27:39Speaker 03

  That's my, that's my truck.

• 1:27:41Caleb Hammer?

  For 10% when you didn't even need a truck, when you got a truck, when he had a truck, when he said you could use the truck, you got a 10% loan on a truck?

• 1:27:47Speaker 02

  It's 10%.

• 1:27:48Speaker 03

  It's not 10%.

• 1:27:49Caleb Hammer?

  It's 10%?

• 1:27:50Speaker 03

  No, it should be 6.8.

• 1:27:53Caleb Hammer?

  That's a percentage paid off. I don't know. 6.8, that's still not the best. It's not the worst either though. But what do you think it's worth that you owe $30,711 on?

• 1:28:02Speaker 02

  If I had to guess, 25.

• 1:28:04Speaker 03

  Maybe.

• 1:28:06Caleb Hammer?

  Yeah.

• 1:28:06Speaker 03

  Maybe it'd be right there at payoff or just like five grand.

• 1:28:09Caleb Hammer?

  So you're underwater on it, not dramatically, but you know what I would potentially do? Let's get you out of the situation quicker. Sell it. Borrow 15, 15, five pays it off, 10 gets a car. Especially truck. You don't need to be driving a truck an hour and 20 minutes to and from work. What the?

• 1:28:23Speaker 03

  Yeah, I have an SUV too, but the transmission is, is pretty awful and it's a little scary to drive.

• 1:28:28Caleb Hammer?

  Okay, well, I would actually, uh, then I would borrow what's required to get, you know, the transmission absolutely 100% fixed on that. And then the 5,000 hours difference and sell this car. Then all of a sudden you have no payment.

• 1:28:40Speaker 02

  We have two vehicles that we own outright. There's no, like, we just need to fix them. Yeah.

• 1:28:45Caleb Hammer?

  Yeah, we'll borrow what's required to fix them. Sell this. Uh, what's that?

• 1:28:51Speaker 03

  Hang on, the, the working part. But like I said, the, the transmission in the SUV sucks.

• 1:28:56Speaker 02

  They run and they go A to B.

• 1:28:58Caleb Hammer?

  No, let's fix the transmission. Let's borrow. Do you guys not listen to what I'm saying? Let's borrow what's required.

• 1:29:05Caleb Hammer?

  Sell this, borrow the difference and then what? You had borrowed maybe 10,000 total then? What's, what's the transmission?

• 1:29:10Speaker 03

  Where do you borrow the, the difference from?

• 1:29:12Caleb Hammer?

  Personal loan. What's the transmission? Calebhammer.com.

• 1:29:15Speaker 03

  Um, the transmission, I literally have no clue. I have no clue.

• 1:29:19Caleb Hammer?

  How much do you know? Are you a car? I'm not a car.

• 1:29:22Speaker 02

  I, I know.

• 1:29:23Caleb Hammer?

  I have modern vehicles, so I don't know.

• 1:29:25Speaker 03

  We saw you drive your, your modern vehicle today.

• 1:29:28Caleb Hammer?

  Yeah, I pulled up to your nasty truck. I know.

• 1:29:29Speaker 03

  It is pretty muddy right now, but.

• 1:29:31Caleb Hammer?

  I was like, great, I'm feeling some hillbillies. I bet they stink.

• 1:29:35Speaker 03

  We don't stink.

• 1:29:36Caleb Hammer?

  You don't stink.

• 1:29:36Speaker 02

  But you can't back up either.

• 1:29:38Caleb Hammer?

  Huh?

• 1:29:39Speaker 02

  You have a self-driving car and you can't even make it into your, you have to correct. It's a very big parking lot to have to do that.

• 1:29:44Caleb Hammer?

  I don't think, did I correct?

• 1:29:46Speaker 03

  Yes, you did.

• 1:29:46Caleb Hammer?

  Oh, okay. Oopsie.

• 1:29:49Speaker 03

  It's self-driving.

• 1:29:50Caleb Hammer?

  I overdr- I drove myself.

• 1:29:54Caleb Hammer?

  Is that okay? Do I have your permission to drive myself?

• 1:29:56Speaker 02

  Yeah.

• 1:29:57Speaker 03

  Yeah.

• 1:29:57Speaker 02

  This time.

• 1:29:58Caleb Hammer?

  Okay, and I don't have to get my transmission replaced. So, cause I don't.

• 1:30:02Speaker 03

  Well, you know, I just bought a new truck because the transmission didn't work.

• 1:30:05Speaker 02

  The transmission is a little.

• 1:30:07Caleb Hammer?

  So borrow for the transmission, the difference, get rid of this, okay? Good.

• 1:30:11Speaker 03

  There's a lot more wrong with it, but the transmission's the biggest thing.

• 1:30:14Caleb Hammer?

  Well, fix what's wrong with it. You'll still, you'll have a paid off car. You get rid of that loan and you'll have everything paid off. Okay, this is insane. We're talking in insane, like, your car payment, your gas, your, your.

• 1:30:25Speaker 03

  Yeah, it's 1,200 bucks right there. Just the, uh.

• 1:30:27Caleb Hammer?

  Exactly.

• 1:30:29Speaker 03

  Yeah.

• 1:30:30Caleb Hammer?

  So, I have a secured loan of $5,262. What is this?

• 1:30:35Speaker 03

  Uh, that might be my dirt bike.

• 1:30:38Caleb Hammer?

  For fuck's sake, what's the interest rate?

• 1:30:40Speaker 03

  Zero.

• 1:30:42Caleb Hammer?

  For how long? Forever?

• 1:30:43Speaker 03

  Forever.

• 1:30:44Caleb Hammer?

  $115, but you're just adding it to the minimum monthly payment. Just sell it. Get out of it.

• 1:30:48Speaker 03

  No.

• 1:30:49Caleb Hammer?

  Why?

• 1:30:50Speaker 03

  Cause I ride my dirt bike.

• 1:30:52Caleb Hammer?

  Okay, but you don't, you can't, okay, well, let's see if we can keep it. But we definitely want to pay it off quick. Definitely get rid of the truck.

• 1:30:58Speaker 03

  Yeah. Yeah.

• 1:30:59Caleb Hammer?

  CNBA.

• 1:31:00Speaker 03

  I wanted to try and figure that out.

• 1:31:01Caleb Hammer?

  $190. Why do we not pay this off? CNBA, what's this? CBNA.

• 1:31:07Speaker 02

  That doesn't sound familiar.

• 1:31:08Speaker 03

  I don't even.

• 1:31:08Caleb Hammer?

  Someone owes 100.

• 1:31:12Speaker 02

  Can I see it?

• 1:31:13Caleb Hammer?

  No.

• 1:31:13Speaker 02

  Okay, then I don't know.

• 1:31:15Caleb Hammer?

  You're not gonna get any more information than I just gave.

• 1:31:17Speaker 02

  Okay.

• 1:31:18Caleb Hammer?

  Uh, thirty dollars is owed on it. Best Buy.

• 1:31:22Speaker 03

  Oh, oh, I guess it's my Best Buy account then, huh?

• 1:31:25Caleb Hammer?

  It's almost paid off, just paid off, dude. Minimum payment thirty dollars. Ah, who has student loans?

• 1:31:30Speaker 02

  Both of us.

• 1:31:32Caleb Hammer?

  Do you guys have degrees?

• 1:31:32Speaker 03

  No.

• 1:31:33Speaker 02

  No.

• 1:31:33Caleb Hammer?

  I get you both course career certifications. There's trades, there's tech, there's a lot of really good things. Supply chain man- chain management. People in the audience have used them to get six-figure jobs, six-figure raises. Okay, both of you, I'll get those for free. Discount for you guys, obviously, but... Uh, okay, yeah, student loans, student loans, student loans. How long do you guys go to school?

• 1:31:55Speaker 02

  I was in for about a semester and a half.

• 1:31:59Speaker 03

  I did...

• 1:32:00Speaker 02

  Two semesters, yeah.

• 1:32:01Speaker 03

  I did a year and a half, so...

• 1:32:04Caleb Hammer?

  Okay, well, so it's definitely not worth going back. Okay, wait, wait, wait, wait, wait, wait.

• 1:32:09Speaker 03

  I wanna go back.

• 1:32:09Caleb Hammer?

  Well, someone's late. Someone's late. Someone's student loans have just restarted a couple of months ago, as most peoples in the country have, and you're late.

• 1:32:17Speaker 02

  That'd be me. I wasn't making any payments. I didn't even know.

• 1:32:19Caleb Hammer?

  You going to?

• 1:32:20Speaker 02

  I have started since, but I didn't even know that they were coming in.

• 1:32:23Caleb Hammer?

  That's what happens. You know what happens? It goes to default, then all of a sudden, whoopsie, garnishment.

• 1:32:27Speaker 02

  Yeah, no, they...

• 1:32:27Caleb Hammer?

  Again. And even though you have kids, you ain't gonna get any tax refunds and shit.

• 1:32:33Speaker 03

  He had no clue how much his, his student loans were, or who he was going through for the loans until probably right before we, we did all of this, honestly.

• 1:32:47Caleb Hammer?

  Okay, we have a student loans. Okay, for Tony.

• 1:32:59Caleb Hammer?

  Eight thousand, seven hundred, fifty-nine dollars. What's your minimum, Tony?

• 1:33:03Speaker 02

  Uh, one oh three.

• 1:33:06Caleb Hammer?

  Good. What's your minimum, Virginia?

• 1:33:09Speaker 03

  Uh, less than a hundred bucks.

• 1:33:13Caleb Hammer?

  Ninety dollars?

• 1:33:14Speaker 03

  Sure.

• 1:33:15Caleb Hammer?

  What's your minimum?

• 1:33:16Speaker 03

  I don't know, I've just been paying a hundred bucks a month.

• 1:33:18Caleb Hammer?

  It's not gonna be an accurate budget, dumbass.

• 1:33:20Speaker 03

  Well, I've been paying a hundred bucks a month towards it.

• 1:33:22Caleb Hammer?

  I don't give a shit what you're paying. I wanna make a budget, dude.

• 1:33:25Speaker 03

  At least I make my payments.

• 1:33:26Caleb Hammer?

  Oh my goodness, you don't understand.

• 1:33:30Caleb Hammer?

  Hey, eleven thousand in someone's 401K. Who's?

• 1:33:33Speaker 02

  Mine.

• 1:33:34Caleb Hammer?

  Okay, definitely very behind for your age, for your income. I'm glad you at least have something. Do you have anything?

• 1:33:41Speaker 03

  No.

• 1:33:42Caleb Hammer?

  Great, that you're the responsible one, the mature one. You.

• 1:33:46Speaker 03

  Nobody ever talked to me about 401Ks.

• 1:33:48Caleb Hammer?

  What?

• 1:33:49Speaker 03

  Nobody's ever talked to me about 401Ks.

• 1:33:51Caleb Hammer?

  401Ks. We all learn things.

• 1:33:53Speaker 03

  How was I supposed to know that that's what that was?

• 1:33:54Caleb Hammer?

  How did everyone else? Shut the [__] up.

• 1:33:56Speaker 03

  Literally no clue how anyone else learned.

• 1:33:58Caleb Hammer?

  Accountability. Who would've thought?

• 1:34:02Speaker 03

  Not I, I guess.

• 1:34:03Caleb Hammer?

  Clearly.

• 1:34:12Caleb Hammer?

  Minimum monthly payments for your debt, one thousand, one hundred, twenty-seven dollars. Income, five thousand, two hundred. What's your rent?

• 1:34:19Speaker 02

  Nine twenty-two.

• 1:34:21Caleb Hammer?

  Utilities?

• 1:34:22Speaker 02

  Usually about two fifty. Well...

• 1:34:23Caleb Hammer?

  Is that including the internet?

• 1:34:24Speaker 02

  That's three fifty with the internet and trash.

• 1:34:27Caleb Hammer?

  Phone bills, all paid for by parents. You can do healing when you get your own. As long as T-Mobile's good out there, uses those kind of towers. Gas, boom, boom, drive, drive. Cause it looks like you're staying there for a bit. How much a month? What was it?

• 1:34:39Speaker 03

  At least six hundred.

• 1:34:40Caleb Hammer?

  What was it for you?

• 1:34:40Speaker 02

  I don't really, if I'm going somewhere, we're going together.

• 1:34:43Caleb Hammer?

  So six fifty. Let's call it. Car insurance?

• 1:34:45Speaker 03

  It's one sixty-five.

• 1:34:48Caleb Hammer?

  You?

• 1:34:49Speaker 02

  Uh, we're together.

• 1:34:50Caleb Hammer?

  One sixty-five for both?

• 1:34:51Speaker 03

  Yeah. USA.

• 1:34:53Caleb Hammer?

  Your gas will go down when you use your SUV, but borrow for the difference.

• 1:34:56Speaker 03

  Well, well, hopefully it will. My turbo's out too, so like, the gas mileage on that thing sucks.

• 1:35:00Caleb Hammer?

  You need to, and you will still save more money.

• 1:35:02Speaker 02

  It definitely, once we get that fixed, it's...

• 1:35:04Caleb Hammer?

  Food, six hundred dollars. Use the meal plan, meal prep. TP fund, two hundred dollars. Everything else you guys need to survive toothpaste, tooth... Uh, it varies on a monthly bas- basis, but try to keep it at two hundred. Healthcare, are there copays on a monthly basis?

• 1:35:15Speaker 03

  No.

• 1:35:16Speaker 02

  Not typically, no.

• 1:35:17Caleb Hammer?

  Is there a gym?

• 1:35:18Speaker 02

  Yeah, it's eighty-one for both of us.

• 1:35:20Caleb Hammer?

  Eighty-one together?

• 1:35:21Speaker 02

  Yeah, it's a couples membership.

• 1:35:22Caleb Hammer?

  How much, how many, what pets do you have?

• 1:35:24Speaker 03

  We have two dogs.

• 1:35:25Caleb Hammer?

  Okay, hundred dollar pet insurance. How much for pet food?

• 1:35:28Speaker 03

  Hmm, probably like sixty bucks a month, maybe.

• 1:35:32Caleb Hammer?

  Subscriptions, I'll try fifty. Anything else that needs to be in this budget?

• 1:35:36Speaker 02

  Uh, I have a hundred and twenty-eight payment that I, yeah, a hundred and twenty-eight dollar payment that I have to make. That's a minimum payment.

• 1:35:46Caleb Hammer?

  Two.

• 1:35:47Speaker 02

  Uh...

• 1:35:49Caleb Hammer?

  Okay. Something we can't talk about, right?

• 1:35:52Speaker 02

  Yeah.

• 1:35:52Caleb Hammer?

  Hundred twenty?

• 1:35:53Speaker 02

  Do it.

• 1:35:54Caleb Hammer?

  One twenty?

• 1:35:55Speaker 02

  Uh, one twenty-eight.

• 1:35:57Speaker 03

  What are we not talking about?

• 1:35:58Caleb Hammer?

  Oh, shut the [__] up. If we're not talking about it, we're not talking about it. Do you not know what not talking about it is? Are you the dumbest person I've ever met?

• 1:36:09Caleb Hammer?

  Trust me, I wanna make the show interesting, so if I can't talk about it, do you think you can talk about it? Shut the [__] up. Seven hundred and sixty-seven dollars. How's what you have left over? Hmm, well, let's get rid of the student loans, so...

• 1:36:23Speaker 03

  Sorry.

• 1:36:23Caleb Hammer?

  You okay?

• 1:36:24Speaker 03

  Yeah.

• 1:36:25Caleb Hammer?

  Forty thousand, seven hundred, twenty-seven dollars and thirty-four cents.

• 1:36:30Caleb Hammer?

  Seven sixty-seven. You can pay off your debt. Four and a half years, yeah. We gotta boost these incomes, you especially. We gotta boost, boost, boost. Get these course career certifications. Let's try to get more money in, or work more hours, get a second job, and let's get this down to two and a half years, then get a six-month emergency fund, and start at fifty, thirty, twenty. Fifty percent, I need thirty percent, I want twenty percent to invest it, okay? That gets us there.

• 1:36:52Speaker 03

  Is this including the six hundred dollar track payment as well?

• 1:36:55Caleb Hammer?

  Yeah, so you get rid of that, you speed that up dramatically. It'll actually carve a lot off of it. So you'll actually probably be closer to like two years if you, do we get a good job, you shave that off, cause you still have to borrow like ten to get everything fixed and borrow the difference, so...

• 1:37:07Caleb Hammer?

  Let's call it about two and a half years. I think is what you guys can do. Okay? Grow the [__] up. Stop being a pathetic piece of shit. And I'm gonna call your dad, we're gonna talk about that, and we gotta figure this shit out. Might call your mom about the wedding too. So lots of confrontational phone calls, get ready. Post-show's probably gonna be even more interesting than the episode. But spending in a budget, let's get your Hammer Financial Score. Spending in a budget, you overspent, zero out of ten, debt, there's questions, zero out of ten, emergency fund, there's nothing, zero out of ten, retirement, got something, but combine the income, dramatically behind for our age, two out of ten. Real estate, you don't own anything, you're not on the deed, you're not nothing, two out of ten, uh, zero out of ten.

• 1:37:42Caleb Hammer?

  Hammer Financial Score, point five out of ten. Get yours updated, CalebHammer.com right now. Now, join us in the post-show. It'll be an extra of twenty minutes of this episode, plus three premium shows every single day, six days a week. You can join here on YouTube by clicking that join button or the link below, or you can join on HammerElite.com or the Hammer Elite app. I'll see you guys there.

• 1:38:02Speaker 03

  He's scared that his family would quite literally disown him for this.

• 1:38:06Caleb Hammer?

  Your dad sounds like a hard ass. We're not gonna go too hard on him, but I need you to learn.

• 1:38:10Speaker 02

  An individual in our, in, in my family is no longer welcome at the family because she chooses to, to date certain types of people.

• 1:38:18Caleb Hammer?

  What do you mean, certain types of people?

• 1:38:20Speaker 02

  She was dating black people, or a black man, and that was what it was.

• 1:38:23Caleb Hammer?

  They disowned her for that?

• 1:38:25Speaker 02

  Yeah.

• 1:38:26Caleb Hammer?

  You think he'll be embarrassed when he sees this and learns about you?

• 1:38:30Speaker 02

  Uh...

• 1:38:32Caleb Hammer?

  I just launched the brand-new Hammer Elite app, available on every major platform. So you can watch every show anywhere you want. You'll get three exclusive dedicated shows every single day, Monday through Saturday. Refer a friend after you sign up, and you get an additional 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.