Financial Audit's Most Evil Parents

💰 Download Dollarwise- 6.0 Is Now *LIVE* - Big Deals, New Features, Free Trial: https://bit.ly/46fiDYP *I CALLED HER BOYFRIEND* - This man is a complete FAILURE POS, and I need to confront him... it went off the rails. Watch here: ➡️ https://bit.ly/chpostshow ============================= 👉 Checking & Savings: GGet a $200 bonus and earn 3.75% APY on your Savings with Chime®: https://secure.moneymatchup.com/chime-caleb-website 🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb 🔥 Get Your Own *Hammer Financial Score* → https://bit.ly/3JCuwPS ============================= *Sponsors for This Video* ============================= Get the free business guide, Demystifying AI, at https://netsuite.com/HAMMER. Please make sure that the link is clickable and working. Check out Zocdoc and stop putting off those doctors appointments. Go to https://zocdoc.com/CALEB to find and instantly book a top-rated doctor today. ============================= *Education* ============================= 👉 Get access to EVERYTHING I offer all in one place: https://bit.ly/4sUm2pb ⚡️Learn how to budget: https://bit.ly/4sspyGh ⚡️Learn how to invest: https://bit.ly/41mr8OP ⚡️Pay off your debt: https://bit.ly/41mr8OP ============================= *Check Out My Resources* ============================= 👉 Checking & Savings: Get a $200 bonus and earn 3.75% APY on your Savings with Chime®: https://secure.moneymatchup.com/chime-caleb-youtube-disc 👉 Land a high-paying job with no experience or degree: ➡️ https://coursecareers.com/CalebHammer 👉 Get FREE MONEY by investing with Public! secure.moneymatchup.com/public-caleb 👉 Find the best credit cards for you with my quiz! cards.calebhammer.com/yt 👉 Get $20 from Acorns for free: ➡️ https://acorns.com/caleb 👉 First 100,000 Mine (formerly Fizz) sign-ups with code HAMMER10 get $10: https://www.usemine.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 01:13 This Is Financial Audit History!! 04:25 Her And The Boyfriend Are Pathetic 07:20 Okay The Entire Family Is Just Weird 10:22 She Works Full-Time AND Cleans The House?? 12:30 Something Sussy Is Going On Here.. 14:50 She Should've Left YESTERDAY 23:40 They've Been Leeching For So Long 27:45 Gambling Makes An Appearance Again!! 31:20 Does Anyone Contribute Anything?? 37:30 It's Not Adding Up.. 41:56 How Do You ACCIDENTALLY Open A Credit Card??? 43:50 That's A Lot Of Documents... 47:40 She's F*CKING VAPING SINCE 15?? 54:36 SHES THE PROBLEM!!! 59:00 Gambling Is Ruining It All 01:16:30 Lawnmower Business?? LOL 01:18:40 The Papers NEVER END 01:28:30 Bullsh*t (Gambling) EVERYWHERE 01:35:03 Budget!! 01:41:18 Hammer Financial Score ============================= Want more content? ============================= 🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips 🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel ============================= *Connect with me!* ============================= TikTok: https://www.tiktok.com/@calebhammercomposer X: https://x.com/sircalebhammer IG: https://www.instagram.com/calebhammercomposer/ Facebook: https://www.facebook.com/calebhammercomposer/ ============================= *Want to be a guest on Financial Audit?* ============================= 👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply *Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. Sponsorship and business inquiries: [email protected] Learn more about your ad choices. Visit megaphone.fm/adchoices

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

• 0:00Caleb Hammer?

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

• 0:03Speaker 01

  Our boyfriend has been living with us now for years and not paid a dime.

• 0:10Speaker 02

  They're just kinda two-faced in a way, and they can be a little rude at times.

• 0:14Speaker 01

  It's part of it, too. I mean, I am tired of doing everything. I mean, I literally do all of it. He'll go to the gas station and he'll sit there in the bathroom for hours.

• 0:27Caleb Hammer?

  Is this not all extra sketchy? We're spending like an hour and a half in a McDonald's, spending four hours at home in the bathroom? That would make me think drugs.

• 0:34Speaker 02

  I don't even know how I started vaping. I started vaping when I was like fifteen, sixteen, something.

• 0:40Caleb Hammer?

  What about you guys?

• 0:42Caleb Hammer?

  This is a family of losers. You're a loser. You're a loser. You don't even interact with your family. Pretend a hundred percent is you're walking out tomorrow, zero percent is you would never even consider walking out, where you're at.

• 0:57Caleb Hammer?

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• 1:26Speaker 02

  Hi, I'm Beth. I'm twenty-one. I'm Amy. I'm forty-four.

• 1:30Speaker 03

  And I'm Nick. I'm forty-five, and we're from Little Rock, Arkansas.

• 1:33Speaker 02

  And this is Financial Audit.

• 1:36Caleb Hammer?

  Okay, so I clarified before we started filming. They're not all, this isn't a throuple.

• 1:40Speaker 02

  No.

• 1:40Caleb Hammer?

  Which is what we had before. This is a daughter situation.

• 1:44Speaker 03

  Right.

• 1:44Caleb Hammer?

  Which has never happened in the history of Financial Audit, so I'm very curious to learn what's going on here. However, I sat down and I was immediately whispered right here that they're already arguing before I even stepped in here about her mom won't pay off Beth's debt. You guys were arguing before we even started, before I was even in here to see the argument.

• 2:03Speaker 02

  It's not so much pay off my debt, it's just, she thinks that she did a lot by telling me verbally what to do. I wish she would have, you know, pushed back a little bit more with the animals.

• 2:15Speaker 01

  To be transparent, we saw the statement, and I said, ooh, forty-eight hundred dollars. That's not my statement.

• 2:21Caleb Hammer?

  The statement?

• 2:22Speaker 01

  Yes. Well, I knew it was a lot. I didn't know how much it was. And I tried to tell her from the very beginning when she got the credit card, pay it off, don't let it go through the roof and

• 2:35Caleb Hammer?

  Uh huh.

• 2:36Speaker 01

  Here we are.

• 2:36Caleb Hammer?

  Usually a good perspective to have. Why do I have a daughter and parents on this show? Cause I've never had this. What the, what the is going on?

• 2:47Speaker 02

  So they needed the help, so I dragged them up here.

• 2:50Speaker 01

  We.

• 2:51Speaker 02

  Yeah.

• 2:51Speaker 01

  Not her.

• 2:52Speaker 02

  They needed the help.

• 2:53Caleb Hammer?

  Sure.

• 2:53Speaker 01

  Right.

• 2:54Caleb Hammer?

  Yeah, is this true?

• 2:56Speaker 01

  I mean, we do, yes, but so does she.

• 2:58Caleb Hammer?

  Why is she on the show? Cause usually when parents need help, I have the parents on the show. Why are you on the show?

• 3:04Speaker 02

  I, I don't think mine's really that bad, a large portion of it. Yeah.

• 3:08Caleb Hammer?

  She just didn't want to do it by herself.

• 3:10Speaker 02

  Yeah. I don't do anything by myself.

• 3:13Caleb Hammer?

  Okay. I mean, I have, they kind of brought you on with them. They want you to move out. You're not moving out. You're not even in a place to move out, but they want to get you the out of the house. It's time. So.

• 3:26Speaker 01

  Him specifically, but, but she told me a month or so ago that she wasn't leaving the house. She wasn't going anywhere and that we were going to be stuck with her forever. That was not okay with us because her boyfriend has been living with us now for years. And not paid a dime. Well.

• 3:47Caleb Hammer?

  Well, have we talked to boyfriend?

• 3:49Speaker 01

  Yes.

• 3:50Caleb Hammer?

  What has boyfriend said?

• 3:52Speaker 02

  He doesn't think that the money that he would give would go to what it needs to go to.

• 3:57Speaker 01

  He thinks that it would go.

• 3:58Caleb Hammer?

  Thank you.

• 3:59Speaker 02

  Yeah. Not really, but.

• 4:01Caleb Hammer?

  Why the, why is he allowed to stay there? Why have you allowed him to stay there?

• 4:05Speaker 01

  His life upbringing wasn't that great and so we took him in.

• 4:11Caleb Hammer?

  Okay, well, that's okay. But are we taking him in or are we charging him rent? Which one is it?

• 4:16Speaker 01

  Well, so originally we took him in and then we. Asked him to pay, and it's not a lot, a hundred bucks a month. That was it. Because we knew he didn't make a lot of money at the time. And so, you know, he paid that for a few months. And then it just kind of trickled off and um.

• 4:32Speaker 03

  My thing is, we took him in when he was a kid, so therefore we didn't charge him rent because he was young. But he's an adult now. So it's like, you know.

• 4:40Speaker 01

  But he dictated when to stop paying us. And then I never went back and asked him to start paying again. It's been years now since I've gotten a dime from him. So.

• 4:50Caleb Hammer?

  And you, so we've talked about it. You're the one that wants to amount a bit more.

• 4:53Speaker 03

  I mean, I just think it's time. I moved out when I was eighteen, you know, been on my own, handled myself.

• 4:59Caleb Hammer?

  Well, it's fine. Doesn't mean they necessarily need me to move out.

• 5:02Speaker 02

  It was a very different time.

• 5:03Caleb Hammer?

  What was different specifically?

• 5:05Speaker 02

  It's just a lot more expensive now.

• 5:07Caleb Hammer?

  In which case?

• 5:08Speaker 02

  Everything.

• 5:10Caleb Hammer?

  It's incorrect about everything. Now, buying a house is more expensive. That's more expensive. The cost of housing, healthcare, education is what has gone up. The cost of everything else in terms of relation to percentage of income has gone down. As in you buying food from when he was a kid. You buying groceries is down.

• 5:27Speaker 02

  And I've always been told not to rent. I've always been told to buy. And so.

• 5:31Caleb Hammer?

  What, you're telling her she can't move on unless she buys?

• 5:33Speaker 01

  But she's not renting either.

• 5:35Speaker 02

  But also, with the, with the amount of dogs that I have.

• 5:38Caleb Hammer?

  It is a dual income household. It's you and the boyfriend. It's not just you moving out, right? So this is different than just kicking you out at eighteen with nothing.

• 5:44Speaker 02

  Yeah.

• 5:46Caleb Hammer?

  Yeah.

• 5:47Speaker 02

  With the, with the dogs and the animals, it would be hard for us to find somewhere to go.

• 5:51Speaker 03

  So they're at our house. You know what I mean?

• 5:54Speaker 02

  Yeah.

• 5:54Caleb Hammer?

  Well, how many animals?

• 5:56Speaker 02

  I have six dogs and two ferrets.

• 5:59Speaker 03

  And had a raccoon for a little while.

• 6:01Speaker 02

  And I did have a raccoon.

• 6:02Speaker 03

  And see, we have a six year old son too, that, that is at home.

• 6:06Caleb Hammer?

  Okay, they clearly want you out because this is insane. Get the fuck out.

• 6:10Speaker 02

  And that's the.

• 6:11Caleb Hammer?

  This is not your house. Now, I, I don't care if you stay there through twenty-five. It's like the parents are down with that. They're not. They want you to leave. I'm glad I'm getting lots of yeses from you, but.

• 6:21Speaker 02

  It's very funny that they're saying that now because they've never said that to me before.

• 6:26Caleb Hammer?

  Really?

• 6:27Speaker 01

  Dad has spoken it to me multiple times. I am the one who is, I'm okay with her. Staying with us until she's financially ready to move out.

• 6:38Caleb Hammer?

  What does that look like?

• 6:40Speaker 01

  So I don't, but I don't know that that will happen until she gets a raise at work.

• 6:45Caleb Hammer?

  I mean, we already.

• 6:45Speaker 01

  I am an enabler. I know I'm an enabler.

• 6:48Caleb Hammer?

  Hold on. I'm glad you are both agreeing with me. That makes me feel absolutely thrilled and warm inside. Then why the aren't you doing anything about it?

• 6:57Caleb Hammer?

  Cause I'm weak, I guess, when it comes to.

• 7:01Speaker 01

  Well, I thought.

• 7:02Caleb Hammer?

  The thing is, Beth specifically told Colton that nobody trusts each other in this family. And the boyfriend doesn't trust anybody in this family. So if there is a lack of trust, if there is a lack of communication, if there is a lack of holding anyone accountable, or just endlessly, if there's nothing here, we can't even trust each other?

• 7:18Speaker 01

  Well, I don't know. Hang on. Now, I don't know where the trust issue came in.

• 7:22Caleb Hammer?

  What's this trust thing, Beth?

• 7:23Speaker 01

  Well, yeah.

• 7:25Speaker 02

  The trust thing is with my dad. I don't have super bad trust issues with my mom. It's my dad that I have a lot of trust issues with.

• 7:32Caleb Hammer?

  What?

• 7:33Speaker 02

  Just because he's not around much. And so.

• 7:37Caleb Hammer?

  Why is that? Makes you not trust him? What is this not around? I do work quite a bit.

• 7:40Speaker 01

  He works quite a bit.

• 7:41Caleb Hammer?

  Okay, that's working. Why is that trust?

• 7:43Speaker 01

  Okay, I think I know where she's going with this. It's the shop time that gets.

• 7:47Caleb Hammer?

  Motel.

• 7:47Speaker 01

  It is no.

• 7:49Caleb Hammer?

  Then what is this trust?

• 7:50Speaker 02

  He's like best friends with my uncle and he's over there a lot. And so.

• 7:55Caleb Hammer?

  What, you think him and his uncle are doing something weird? Then what is this trust thing? I'm confused how that equals trust. And if that rubs off on your boyfriend and your boyfriend's not paying rent and the, so the boyfriend doesn't even respect the people of the, you know, that is keeping the roof over his head, he's not even paying anything in the lack of trust because he hangs out with your uncle, which is his brother or brother-in-law. Paying rent anyway. Why does that matter what I do with the money?

• 8:21Speaker 02

  I can't.

• 8:22Caleb Hammer?

  Is that what it is? Is it about what he does with the money?

• 8:25Speaker 02

  I think so.

• 8:26Caleb Hammer?

  What do you mean? You think so? You're the one that said you don't trust him.

• 8:29Speaker 02

  No, I don't have trust issues with them. It's.

• 8:31Caleb Hammer?

  No, you said you have trust issues with your dad. You literally just said that. You can't just pull that back now.

• 8:35Speaker 01

  I know where my trust issues come from with him. So I, I mean, I can speak to that because, you know, of the spending and spending habits. I mean, you know, who's to say, you know, you go to the gas station and who's to say you're not taking additional $20 out? Or, you know.

• 8:57Caleb Hammer?

  For what?

• 8:57Speaker 01

  I don't, well, there's just a lot of gas change, gas station charges throughout the day.

• 9:02Caleb Hammer?

  Why? What are you getting?

• 9:04Speaker 03

  I do spend a lot on, on just sundry items, you know, food, green cigarettes.

• 9:10Caleb Hammer?

  Oh dude, you're killing yourself.

• 9:11Speaker 03

  I know.

• 9:12Caleb Hammer?

  Alright buddy, listen. Here, take this. Here we go, have this energy drink, Grandma's Ashes.

• 9:17Speaker 03

  Ah.

• 9:17Caleb Hammer?

  They're, listen, they're very goony names, but Gamer Subs is honestly absolutely delicious. Everyone that tries them absolutely loves them, so no more stopping and getting your bullshit. I can't make the cigs work for you. That's nasty anyway, but take that, it's 40 cents a serving with my discount code, which is 10% off. Get your free samples, link in the description below at Gamer Subs, uh, just type in my code. But seriously, make your energy drinks at home, it's like making your coffee at home, man.

• 9:40Speaker 03

  Thank you.

• 9:40Caleb Hammer?

  It's delicious and it's the best way to save. So no more of this gas station, cause yeah, I, I would get it. If, if she's, are you like running the house?

• 9:47Speaker 01

  I am.

• 9:48Speaker 03

  Yeah.

• 9:48Caleb Hammer?

  Okay, and then he's just taking money, taking money, taking money, taking money.

• 9:51Speaker 03

  Right.

• 9:51Caleb Hammer?

  And it's for who knows what the f- Yeah, I would have trust if she's there too, but why don't you bring up?

• 9:56Speaker 01

  Right.

• 9:57Caleb Hammer?

  Like, what's going on?

• 9:59Speaker 01

  That, that's part of it too. I mean, I am tired of doing everything. I mean, I literally do all of it. Um, there is little to no help at the home.

• 10:12Speaker 03

  I would argue with that, but I can't.

• 10:13Speaker 01

  I don't think you can argue with, there is no argument there, because I literally clean the house, cook the food, take care of the, you know, the kids.

• 10:21Speaker 02

  But I will say, I will say when she does get help, it's not-

• 10:25Speaker 03

  But I'm not the only guilty one.

• 10:26Speaker 01

  And I get it, I am a little overpowering, I get that, I am.

• 10:29Speaker 02

  No, I was gonna say is that even when she does get help, she usually backtracks and does it herself anyways. Because she likes it done a specific way.

• 10:36Caleb Hammer?

  But he takes money from the account, is this your personal account, or is this a shared account?

• 10:40Speaker 01

  A shared account.

• 10:41Caleb Hammer?

  Okay, so it's not taking money from your account.

• 10:43Speaker 01

  But I am the breadwinner, so.

• 10:46Caleb Hammer?

  Really?

• 10:47Speaker 01

  I am.

• 10:47Speaker 03

  Yeah, she makes good money, I mean, she makes good money.

• 10:50Caleb Hammer?

  What do you do for a living?

• 10:51Speaker 03

  I work for a transport company, tow truck.

• 10:53Caleb Hammer?

  Okay, what do you make?

• 10:56Speaker 03

  It's a 10.99, so it fluctuates anywhere between 7 to a thousand a week, roughly.

• 11:01Speaker 01

  Anywhere between 40, 45,000 a year.

• 11:04Caleb Hammer?

  That's gross.

• 11:05Speaker 01

  Well, so it's 10.99.

• 11:07Caleb Hammer?

  Are you setting adequate money aside for taxes?

• 11:10Speaker 03

  Any financial [bleep] that's earned.

• 11:12Speaker 01

  No.

• 11:13Caleb Hammer?

  What?

• 11:13Speaker 01

  She's just shaking her head.

• 11:16Caleb Hammer?

  How do you even know?

• 11:17Speaker 02

  Because me and my mom, we talk a lot about finances.

• 11:22Speaker 01

  What do you know I'm not setting money aside? You know that.

• 11:25Speaker 02

  I'm kind of her.

• 11:27Speaker 03

  Oh, no, no, no, no.

• 11:28Caleb Hammer?

  Are you venting to your daughter about your husband's finances, about her father's finances? To your daughter? It's a bit odd, isn't it?

• 11:34Speaker 01

  About the expenses, yes. How much he spends on a daily basis is outrageous. I mean, if your paycheck without, hang on. If your paycheck without tax being taken out is seven to a thousand a week. And you go to the gas station and you spend $200 a day. And I'm not exaggerating, it can be up to that much. Your paycheck is not 700 to a thousand.

• 12:00Caleb Hammer?

  This is, yeah, this is a mess. And listen, I do have a note that Amy was talking about how she is threatened to leave multiple times. Did you even know this?

• 12:11Speaker 01

  I did, T. You know this. He knows this.

• 12:14Caleb Hammer?

  Did you know this?

• 12:15Speaker 01

  She was present.

• 12:16Caleb Hammer?

  You were present? Why?

• 12:18Speaker 01

  She was older.

• 12:18Caleb Hammer?

  Why would we have that? Come on.

• 12:20Speaker 03

  Because she lives there. I mean, that's.

• 12:21Caleb Hammer?

  Yeah, but go somewhere, you freaks. What the? Why do you want to do it in front of your daughter?

• 12:27Speaker 02

  Intervention type of situation.

• 12:29Caleb Hammer?

  Tell me what happened. This is important.

• 12:31Speaker 01

  He was, um,

• 12:34Speaker 01

  making not so great choices.

• 12:36Caleb Hammer?

  What were you doing? Nicholas?

• 12:44Speaker 03

  Had issues.

• 12:46Caleb Hammer?

  Who's gonna say something? Who's gonna tell me what the is going on? In this small house with six people?

• 12:54Speaker 01

  He had a, um, drug problem about four, well, five, six years ago.

• 13:01Caleb Hammer?

  That's when you threatened to leave? Nothing sooner?

• 13:04Speaker 01

  No, that was when I threatened. It was either rehab or, uh, I was leaving.

• 13:10Caleb Hammer?

  Oh, good. And?

• 13:13Speaker 03

  Went to rehab.

• 13:14Caleb Hammer?

  Good. I am happy to hear that.

• 13:16Speaker 01

  That was, so she was there because, um, it was kind of an intervention type thing.

• 13:22Speaker 02

  And they pulled me in the living room. And I automatically thought it was just a divorce because I had no idea.

• 13:27Speaker 03

  Because I was going away for third days.

• 13:28Caleb Hammer?

  The fuck are you doing? Which one?

• 13:30Speaker 03

  Was I not?

• 13:31Caleb Hammer?

  Huh? Really? All of them?

• 13:32Speaker 03

  I mean, not all of them, but, mm, and weed and all that was.

• 13:36Caleb Hammer?

  Oh, yeah, you're macking weed.

• 13:37Speaker 03

  Yeah, yeah, yeah.

• 13:39Caleb Hammer?

  You've been clean ever since?

• 13:40Speaker 03

  Mm-hmm.

• 13:40Caleb Hammer?

  Good lad. Happy to hear that. What a dysfunctional household, huh? How big is this house with six people and a thousand animals?

• 13:48Speaker 02

  So we have six dogs, two ferrets, five people under the-

• 13:51Caleb Hammer?

  How big is the place?

• 13:52Speaker 02

  It's a three-bedroom trailer with one room.

• 13:54Caleb Hammer?

  Trailer?

• 13:56Speaker 02

  But we don't even have that now, cuz a tree fell on our house.

• 13:58Speaker 01

  A tree fell on our- so we had, so Sunday night, straight line wins.

• 14:02Caleb Hammer?

  Sunday!

• 14:03Speaker 01

  Sunday.

• 14:03Caleb Hammer?

  This Sunday!

• 14:04Speaker 01

  This Sunday.

• 14:05Caleb Hammer?

  Take, where do you guys live now?

• 14:07Speaker 01

  We're couch hopping at the moment. Living with my- staying with my parents at the moment.

• 14:14Caleb Hammer?

  And with all the animals? Why do you wanna live there? Why haven't you tried to get the [__] out? Now I'm putting more blame on you. What the [__] is wrong with you? Why are you staying there? I would wanna escape immediately, drive away. What are we talking about? We had an intervention five years ago. What were you, like seventeen? Like, what the [__] are we doing? Your boyfriend, don't you want intimate, private space with your boyfriend? As in, you know, him sticking inside of her?

• 14:36Speaker 02

  Okay, I have no rent.

• 14:38Speaker 01

  And that's been walked in on a few times.

• 14:41Speaker 02

  That's TMI.

• 14:43Caleb Hammer?

  You walk in on them diddling?

• 14:45Speaker 01

  I knocked on the door. I knocked on the door.

• 14:48Speaker 02

  It was-

• 14:49Caleb Hammer?

  Girl, how is that not dramatic enough to get the [__] out?

• 14:53Speaker 02

  Because it's free rent and I've maxed out my credit card.

• 14:57Caleb Hammer?

  And a thousand animals and a trailer that doesn't even exist anymore? Where interventions and no fight or trust happen?

• 15:05Speaker 02

  I put myself in a position where I can't. I put myself in a position where I can't.

• 15:10Caleb Hammer?

  And what's that? What about you and your boyfriend, though? What the [__] does your boyfriend do? Maybe he should be the fourth one at this table.

• 15:14Speaker 01

  He should be.

• 15:15Caleb Hammer?

  What, is he a coward?

• 15:18Caleb Hammer?

  Yes, I got a strong yes from Amy.

• 15:20Speaker 02

  He couldn't get off work. He's, yeah, he's a-

• 15:23Speaker 01

  I don't think he wants to be called out because he knows he's in the wrong by not paying rent and not-

• 15:28Caleb Hammer?

  Yeah, he's an adult, so-

• 15:28Speaker 01

  You know, I mean-

• 15:29Speaker 02

  I don't think he thinks that not paying rent is really that big of a deal.

• 15:32Caleb Hammer?

  Well, I think you're in love.

• 15:35Speaker 02

  Well, yeah.

• 15:36Caleb Hammer?

  So you probably can't see much bad from that side.

• 15:38Speaker 02

  Yeah.

• 15:38Caleb Hammer?

  This is a mess, isn't it? Okay, there's the other kid, very young kid.

• 15:42Speaker 02

  Six.

• 15:43Caleb Hammer?

  Which also lines up with, I mean, you were like, you were messed up when this kid was born?

• 15:50Speaker 03

  Yeah.

• 15:52Caleb Hammer?

  Wow. You were vibing with that?

• 15:55Speaker 03

  Well, she didn't know.

• 15:55Caleb Hammer?

  It's okay, cause it's good now. You were hiding that?

• 15:58Speaker 03

  Oh, for.

• 15:58Caleb Hammer?

  You can hide that well?

• 16:00Speaker 01

  Not well enough. Not well enough. No, we thought he was. We thought he was, but no, I knew.

• 16:06Speaker 03

  Been a long time.

• 16:07Caleb Hammer?

  Huh?

• 16:07Speaker 03

  Did it for a long time.

• 16:08Caleb Hammer?

  Really?

• 16:08Speaker 03

  Mm-hmm.

• 16:09Caleb Hammer?

  How'd you find out?

• 16:10Speaker 01

  I, I found it a couple times.

• 16:13Caleb Hammer?

  Couple times?

• 16:13Speaker 01

  Over the years.

• 16:14Caleb Hammer?

  Glad you guys did the intervention. I really am.

• 16:17Speaker 01

  But I, I found it a couple times and, and it was, well, and it was because he wasn't going to. And, and I knew that because I threatened. I, all I did was empty threats, which was enabling him and I get that.

• 16:28Caleb Hammer?

  We're kind of doing that here with something that's not as bad.

• 16:31Speaker 01

  Mm-hmm.

• 16:32Caleb Hammer?

  Obviously, but I feel like we're kind of getting that here. You guys are pushing more so him to get her to move the fuck out. But we're not really actually doing anything to achieve this.

• 16:44Speaker 01

  Well, now she has no choice but to because we don't have a home.

• 16:47Speaker 02

  Yeah, we don't have a home.

• 16:47Caleb Hammer?

  Yeah, but you're living with your mother. It's just gonna be, it's, it's another situation where it's like, we could just do it comfortably.

• 16:52Speaker 02

  Yes and no. They're, they're.

• 16:54Caleb Hammer?

  Yes and no?

• 16:54Speaker 02

  They're, they're different people. They, um.

• 16:57Caleb Hammer?

  What?

• 16:58Speaker 02

  They're just kind of two-faced in a way and they can be a little rude at times and it's not something that we wanna.

• 17:05Speaker 01

  I think, I think they can be challenging, but that's how parents are. I mean.

• 17:10Speaker 03

  It's because they don't want us living in their home forever.

• 17:11Speaker 02

  Yeah, and I, no, I get that. Yeah.

• 17:13Speaker 01

  We're, we're invading their space. I mean, granted, given the situation.

• 17:17Speaker 03

  But see, that's how we feel to them. Y'all should feel the same to us, you know, that y'all are invading our space and y'all.

• 17:21Speaker 02

  Well, yeah, but y'all haven't made me feel that way. I'm sure if y'all did make.

• 17:24Speaker 03

  I'll have to try then, I guess, huh?

• 17:26Speaker 02

  Well, you're never home to tell me that anyways.

• 17:28Caleb Hammer?

  You're never home?

• 17:29Speaker 01

  No.

• 17:29Speaker 03

  I work a lot, man.

• 17:30Speaker 01

  He's not.

• 17:31Speaker 03

  Yeah.

• 17:31Speaker 02

  He works weird hours.

• 17:32Caleb Hammer?

  To bring in, I'm sorry, what was your net again on a monthly basis? No, you're, yeah, what comes in on a monthly basis before we set aside money for taxes, which we don't?

• 17:40Speaker 03

  But.

• 17:41Speaker 01

  A- anywhere, I mean, if you went with the thousand, which it's been a while since that's happened and hit a thousand, um, that'd be four thousand, but.

• 17:50Caleb Hammer?

  I'm probably putting in sixty five hours a week roughly, you know. Okay, and crashing your tow truck, I'm being told. I've done it.

• 17:56Speaker 01

  Yeah.

• 17:58Caleb Hammer?

  Once. The tow truck.

• 17:59Speaker 01

  Yeah.

• 18:00Caleb Hammer?

  And hang out with the uncle. There was no drug problems with the uncle, right? No. Okay, good. Yeah.

• 18:05Speaker 01

  But that was what? Yeah, I think you had two accidents, actually.

• 18:08Caleb Hammer?

  One in the dump truck.

• 18:09Speaker 01

  Oh, the dump truck.

• 18:10Caleb Hammer?

  Yeah, not tow truck. Well, so I'm confused. Four thousand hits his account on a monthly basis.

• 18:13Speaker 01

  Correct.

• 18:14Caleb Hammer?

  Okay. What do you do, Amy?

• 18:16Speaker 01

  Um, I'm an office manager.

• 18:17Caleb Hammer?

  Okay, what do you make?

• 18:18Speaker 01

  Um, I just currently got a raise, so I make eighty-two thousand a year.

• 18:23Caleb Hammer?

  Damn! That's why. Why are we in a trailer?

• 18:27Speaker 01

  So, there's a long story behind that, but...

• 18:30Caleb Hammer?

  I don't need that. But Little Rock is not an expensive place. No.

• 18:34Speaker 01

  So, we, we, um, we purchased the five acres right next to my parents, um...

• 18:40Caleb Hammer?

  So, we're already up in their space anyway. Right.

• 18:43Speaker 02

  They love it. They like it.

• 18:44Speaker 01

  There were two homes.

• 18:45Caleb Hammer?

  I thought you said they're two-faced.

• 18:47Speaker 02

  They are, but they do love us.

• 18:49Speaker 01

  They're two-faced, but they love us.

• 18:50Speaker 02

  It's my grandpa. My grandma is great.

• 18:53Caleb Hammer?

  Yeah, what's your grandpa doing? Being your grandpa.

• 18:55Speaker 02

  It's just being a douche.

• 18:56Caleb Hammer?

  Yeah.

• 18:56Speaker 02

  The words that he uses and he tries to piss somebody off.

• 19:00Caleb Hammer?

  What's he saying to you?

• 19:01Speaker 02

  Uh, so...

• 19:02Caleb Hammer?

  He likes to stir the pot.

• 19:03Speaker 02

  This week, we, you know, we've been living with him and the remote, he couldn't find the remote, so he texts in the family group chat, um, asking, and everybody says no. And then, what did he say?

• 19:14Speaker 01

  He said he's not the only one living there now.

• 19:17Caleb Hammer?

  He just likes his little jabs.

• 19:19Speaker 01

  Now, I think she... He is sixty-eight.

• 19:23Speaker 02

  But he doesn't act that way with me.

• 19:25Speaker 01

  But he doesn't, and I don't think he real... I think she is just negative towards it and took that as...

• 19:31Speaker 02

  Because he's always negative. Yeah.

• 19:32Speaker 01

  Right, but I think you took that wrong. I don't think that he meant anything by it. But, and he's, and he's not wrong. He's not the only one living there.

• 19:40Caleb Hammer?

  Uh, so, yeah, what hits your account?

• 19:42Speaker 01

  Okay.

• 19:42Caleb Hammer?

  Per month?

• 19:42Speaker 01

  Eleven forty-eight a week is what I make.

• 19:46Caleb Hammer?

  Okay. Okay, so... Gross. Or net?

• 19:48Speaker 01

  Net.

• 19:49Caleb Hammer?

  Cool times fifty-two divided by twelve, average it out, cool, just about four thousand nine hundred seventy-four dollars. Very good.

• 19:58Speaker 01

  And then I also, um, so on top of the eighty-two thousand, um, we just started, um, one of two people that got put into a profit sharing, um, at the company.

• 20:08Caleb Hammer?

  Oh, you are.

• 20:09Speaker 01

  So I am.

• 20:10Caleb Hammer?

  Okay, why?

• 20:11Speaker 01

  Um, so they were doing, doing some restructuring and for people that have been there, I've been there for almost fifteen years. And so they were doing it as like an incentive or extra, but this is so new that I don't know.

• 20:24Caleb Hammer?

  Well, we won't use it for now then. Beth, what do you do?

• 20:28Speaker 02

  I am a, uh, teller at the bank and I make about twenty-five hundred a month.

• 20:36Caleb Hammer?

  Net? Okay, okay. What does the boyfriend do? You could move all on Little Rock with that. Wouldn't it be a little tight, but you could.

• 20:45Speaker 02

  Yes, and, uh, he sprays for bugs. He, yeah.

• 20:49Caleb Hammer?

  Yeah, it happens. I got those people, they come over.

• 20:52Speaker 02

  And he makes about, he just got his lowest paycheck today and that was seven hundred.

• 20:57Caleb Hammer?

  Why? Cause it's ours?

• 20:58Speaker 02

  Uh, no, so he makes commission or hours, so lowest is twenty-one.

• 21:02Caleb Hammer?

  Or what's, what's his average?

• 21:04Speaker 02

  Uh, we're not combined, so I really don't know.

• 21:06Caleb Hammer?

  Okay, what are we trying to do here? You've been with him for four years. What are we trying to do?

• 21:09Speaker 02

  Six.

• 21:09Caleb Hammer?

  Cause I want, six years. I'm trying to get you the [bleep] for this house. And actually start your life and he really wants this to happen. Like, I don't know, your dad does not want you to, he wants you to come over.

• 21:18Speaker 02

  Yeah.

• 21:19Caleb Hammer?

  He wants you to come over, but that's, does not live there forever.

• 21:23Speaker 02

  Yeah, we've been talking, me and him, cause we're trying, we're trying to get a trailer. We went and applied.

• 21:27Caleb Hammer?

  All right, what is this trailer obsession? Why, why are you, why are you guys doing trailer stuff?

• 21:31Speaker 01

  So, but hang on, so as far as we go, when we bought the five acres, there were two houses on the property. One was a trailer, one was a house.

• 21:38Speaker 02

  And then the shop.

• 21:40Speaker 01

  Well, the, it, it's an older home, um, it's huge, but and it's five bedroom, two bath, two living upstairs. Okay, but somebody was already in there renting it. So we already had a renter there. No.

• 21:54Caleb Hammer?

  Why aren't you guys there?

• 21:56Speaker 03

  There's so much work need to be done.

• 21:57Speaker 01

  Because the renter destroyed it. Well, the renter destroyed it.

• 22:01Caleb Hammer?

  Why are you trying to get a trailer? Is that on the same property?

• 22:04Speaker 02

  It would be.

• 22:05Caleb Hammer?

  So you're literally, you're not really moving out. You're just becoming a next door neighbor essentially. Wait, what are you now?

• 22:11Speaker 03

  I can deal with that. I can live with the next door neighbor.

• 22:13Caleb Hammer?

  Do you not want any independence or like, I'm so confused. Do you want to like go live your life at all?

• 22:18Speaker 02

  Not really.

• 22:22Speaker 02

  I mean, because if my mom ever needs anything.

• 22:25Caleb Hammer?

  Life experience and world experience. Yeah, you can go home, even if you live on the other side of the city. I'm not saying move to California, but like.

• 22:32Speaker 02

  I just like being close. I've always lived close.

• 22:34Caleb Hammer?

  Little Rock's not that big.

• 22:35Speaker 03

  But why would you leave if you got your rent paid for and all? So, you know, I mean, food.

• 22:40Caleb Hammer?

  Well, I agree. I'm trying to get her to so she can get some life experience and learn some discipline.

• 22:44Speaker 02

  Yeah. I mean, we are, we went and applied for trailer loans. Um.

• 22:49Caleb Hammer?

  Already? You and the boyfriend? You don't even know what he makes. You can't even tell me.

• 22:53Speaker 02

  But.

• 22:53Speaker 01

  That is true. I agree.

• 22:55Speaker 02

  I don't know what he makes.

• 22:56Speaker 01

  Uh, yeah.

• 22:57Speaker 02

  But he, I know he makes significant more than me. I know.

• 23:00Caleb Hammer?

  So he's outselling right now.

• 23:02Speaker 02

  I'm sorry.

• 23:02Caleb Hammer?

  He's outselling right now.

• 23:04Speaker 03

  Working.

• 23:05Caleb Hammer?

  Then we're calling him in the post show.

• 23:07Speaker 02

  Okay.

• 23:08Caleb Hammer?

  Cause he's a big part of this conversation. He should be here.

• 23:11Speaker 02

  Yeah.

• 23:11Caleb Hammer?

  Uh, he's not even respecting your parents at all.

• 23:14Speaker 01

  No, he's bought a few things.

• 23:16Speaker 02

  And he helped for the house.

• 23:18Speaker 01

  Um, as far as like.

• 23:20Caleb Hammer?

  You guys like him living there?

• 23:23Speaker 02

  He's gonna say no, but they're best friends.

• 23:25Speaker 01

  I don't know about best friends, but.

• 23:27Speaker 03

  I'll tell you, he's grown from a child to.

• 23:30Speaker 02

  A man.

• 23:31Speaker 03

  At least an older child.

• 23:33Speaker 01

  Well, he's gotten better over the years. I will say that.

• 23:35Speaker 03

  And we did, we started out as a, because we felt he needed a better home, but that was when he was a kid, you know?

• 23:43Caleb Hammer?

  Why'd you pull the [bleep] in like, come on, you pulled the step, the stepsister [bleep] video on [bleep]. Uh, you, you totally did. You're like, oh no, stepbrother. I'm not wearing panties right now.

• 23:59Caleb Hammer?

  You're [bleep] your stepbrother.

• 24:00Speaker 02

  No.

• 24:01Caleb Hammer?

  They brought him in as a [bleep].

• 24:02Speaker 02

  Well, we, we were friends.

• 24:05Speaker 03

  Wasn't his brother for a while.

• 24:06Speaker 02

  Okay, but that's because he was in a bit. Yeah.

• 24:10Caleb Hammer?

  You suck with money, so you download a budgeting app. You start with the classic one, YNAB, but everyone just deletes it because it's way too complicated to use. So you go to EveryDollar, that's Dave Ramsey, the personal finance guy, right? Well, they're gonna force you to use it his way. That's not very personal finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end? Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far, but private equity doesn't have the best track record when it comes to private data. That's why I like Dollar Wise. Built by these people just like you, for people just like you. No private equity, no gimmicks, just the best budgeting app there is.

• 24:54Caleb Hammer?

  Download it now, start the free trial, dollarwise.com, link in the description below. Starbucks is bullsh** and a waste of money, and you already know that by making your coffee at home and investing the rest. So now, you need to do that with your energy drink as well. Make Gamer Subs at home for just 40 cents a serving. Honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show, Fat and Fatter.

• 25:22Speaker 01

  The number one ranked energy drink is Gamer Subs. Literally, the cherry flavor is insane.

• 25:29Caleb Hammer?

  Listen, you can also get free samples to see if you like it, or 10% off your order at gamersubs.gg, or click that link in the description below, type in code CALEB.

• 25:39Speaker 02

  But that's because he was itty bitty, and he's been around since he was itty bitty, but that's because...

• 25:44Caleb Hammer?

  Whoa, whoa, whoa, how itty bitty?

• 25:46Speaker 02

  Like, he was like, what, well, if it's six years, he would have been one.

• 25:51Caleb Hammer?

  Yeah, my son, yeah. Wait, wait, who are we talking about?

• 25:56Speaker 02

  Our son.

• 25:57Caleb Hammer?

  Our son.

• 25:58Speaker 02

  My brother, brother, was one when we started dating. Yes, no, no, no, no.

• 26:03Caleb Hammer?

  So how long has this other person been there?

• 26:06Speaker 02

  He has been there for... Basically, the whole six years that we've been together.

• 26:11Caleb Hammer?

  Hmm.

• 26:12Speaker 02

  We were together for four months.

• 26:13Caleb Hammer?

  So you did. You did pull this like stepbrother fucking thing.

• 26:17Speaker 02

  We were friends before he moved in.

• 26:20Caleb Hammer?

  Friends?

• 26:21Speaker 02

  Yeah.

• 26:21Caleb Hammer?

  Then he moves in and you start sleeping with the guy that moved in?

• 26:24Speaker 02

  We were dating for four months.

• 26:26Caleb Hammer?

  We said friends.

• 26:27Speaker 02

  Well, yeah, we were friends and then we started dating for four months and then he moved in.

• 26:31Speaker 03

  And he's been with us since.

• 26:32Caleb Hammer?

  And you wanted to move in the guy she was dating? At like fifteen, sixteen?

• 26:36Speaker 03

  We didn't want to and we didn't know.

• 26:38Speaker 02

  It kind of just happened. He stayed the night one night.

• 26:40Speaker 03

  And then he never left.

• 26:41Speaker 02

  And then he stayed the night again and just never left.

• 26:43Speaker 03

  But the kid's home life was horrible.

• 26:45Caleb Hammer?

  Okay, which I get that, but also just dating your daughter too, wasn't like a.

• 26:49Speaker 03

  Yeah, it's like, you're an adult, move out. You know?

• 26:52Caleb Hammer?

  I do agree with that.

• 26:53Speaker 03

  You know?

• 26:54Caleb Hammer?

  You can't even tell me how much money he's making yet. You're trying to get on a loan with him right now for a trailer.

• 26:58Speaker 02

  I know he makes money. I just don't know what his average pay.

• 27:01Caleb Hammer?

  You just told me his last paycheck was seven hundred.

• 27:02Speaker 02

  And that's the lowest because it's when it rains.

• 27:04Caleb Hammer?

  But is the average eight? Like, I don't know, and you can't give me a number. I mean, I know there's lots of, there's lots of drama and whatnot in this house and this house is chaotic and I know. You guys just got in a big fight over, um, over, you took money from the joint account. And you gave it to your brother or her brother. You gave it to her brother.

• 27:25Speaker 01

  He does it with friends too. It's not just my brother.

• 27:29Caleb Hammer?

  So she's trying to manage the household finances and you just take money out of that and just give it to people?

• 27:33Speaker 02

  Not only does he take money and give it to other people, but he also takes money and uses it for gambling. Which I'm not saying that she doesn't either.

• 27:40Caleb Hammer?

  Addiction transfer.

• 27:41Speaker 03

  Yep.

• 27:42Caleb Hammer?

  What the are you doing gambling? Why? What are you doing? What is this gambling? What does it look like?

• 27:45Speaker 03

  It's online, the online gambling slot machine.

• 27:49Caleb Hammer?

  Slot machine online?

• 27:51Speaker 03

  Yeah.

• 27:51Caleb Hammer?

  How much are you spending on this?

• 27:53Speaker 03

  Way too much.

• 27:54Caleb Hammer?

  How much?

• 27:55Speaker 03

  Honestly, I don't know. No, I don't know anything about our finances really. That's, that's the bad thing.

• 27:59Caleb Hammer?

  Wait, you like it too?

• 28:01Speaker 01

  I do. Yeah.

• 28:03Caleb Hammer?

  Well, now we know why we're still in a trailer.

• 28:06Speaker 01

  Just as bad. Well, I.

• 28:07Caleb Hammer?

  I'm being told thousands a week. Now I understand why we're making no progress in life.

• 28:11Speaker 01

  Correct.

• 28:12Speaker 03

  Nice.

• 28:12Caleb Hammer?

  Okay. I mean, this must be devastating to see your parents do that. I would.

• 28:18Speaker 01

  Well, it's, yes, it's thousands a week, but, but some of that, I mean, there are winnings to it. I mean, I won, I won sixty thousand.

• 28:25Caleb Hammer?

  Not even close to net, though.

• 28:27Speaker 02

  Well, she did.

• 28:27Speaker 03

  Probably break it down at this point.

• 28:28Caleb Hammer?

  Yeah, but if they're doing thousands a week, net would still be negative.

• 28:32Speaker 01

  Yes. And I, I agree. It's, it's definitely.

• 28:34Caleb Hammer?

  Especially on slots. It's one of the literal most addictive things.

• 28:38Speaker 02

  It's probably the only reason I even know about the financial situation because she won the sixty grand. If she wouldn't have won that, like, I built a budget for them.

• 28:44Caleb Hammer?

  After she spent how many tens of thousands?

• 28:46Speaker 01

  Yeah, that was a year ago, but.

• 28:47Speaker 03

  Well, you gotta double that because I'm doing the same.

• 28:50Speaker 01

  And he's not won sixty grand.

• 28:51Speaker 03

  No, I didn't win.

• 28:53Speaker 01

  But he, I think mine right now is probably the worst.

• 28:57Caleb Hammer?

  Next to each other, just.

• 28:58Speaker 02

  Any downtime, any downtime. He'll be in the bathroom playing it.

• 29:02Caleb Hammer?

  What the fuck?

• 29:03Speaker 01

  Well, he has more downtime than me, so.

• 29:07Caleb Hammer?

  How? I thought you just said you work like eighty hours a week.

• 29:10Speaker 01

  Right.

• 29:11Caleb Hammer?

  What? Where's the downtime?

• 29:13Speaker 01

  Well, he, okay. Well, when he works, he'll go to the gas station and he will sit at either McDonald's or the gas. No, not sometimes. It's all the time. And he'll sit there in the bathroom for hours. You will watch like three sixty and he will be at the same location for an hour and a half. Gambling, watching YouTube. I don't know what he's doing in there. He'll do the same thing when he gets home. He'll sit in the bathroom for four hours when the tree came through the house. He was on the pot.

• 29:41Caleb Hammer?

  That would make me think drugs.

• 29:45Speaker 03

  No.

• 29:46Speaker 01

  No, I think it's the gambling.

• 29:48Caleb Hammer?

  In the bathroom?

• 29:49Speaker 01

  So you trade one, one addiction for the other, right?

• 29:51Caleb Hammer?

  So this is why Beth thinks you don't want to be around them?

• 29:54Speaker 03

  No.

• 29:55Speaker 01

  Correct.

• 29:55Speaker 03

  Well, maybe.

• 29:56Speaker 01

  I do too. I mean, we feel that way. That's how.

• 29:59Caleb Hammer?

  Do you not want to be around them?

• 30:01Speaker 03

  No, I, I don't.

• 30:02Speaker 01

  I don't think he does. I don't.

• 30:04Caleb Hammer?

  If you're sitting in the bathroom gambling.

• 30:06Speaker 01

  Responsibility in life, like he has little, you know.

• 30:11Speaker 03

  I do have little responsibility.

• 30:12Speaker 01

  Little responsibility. The only thing he has to do is get my son on the bus in the morning. And I lay everything out. I have his lunch ready to go.

• 30:19Speaker 03

  I have his backpack. To get responsible.

• 30:21Speaker 01

  His clothes are laid out. You literally have to get him dressed in on the bus. That's it.

• 30:26Speaker 03

  Okay.

• 30:27Speaker 01

  That's it. That's little to no responsibility. You don't cook, you don't clean, you don't take care of the bills. You don't take care of anything. I understand that I cook, but it'd be nice to have a break every now and again. The last time that he did something, he swept and she came behind him.

• 30:42Speaker 03

  Yeah.

• 30:42Speaker 01

  Okay.

• 30:43Speaker 03

  When I try.

• 30:46Speaker 03

  I've tried to take responsibility, quote unquote, from her so she could have a lesser amount of responsibility. And she doesn't want to give it up.

• 30:54Speaker 01

  She is.

• 30:55Speaker 03

  Or she gives it up and then she comes right behind me and I didn't do it right, so.

• 30:58Speaker 01

  Well, he didn't know that, so thanks. Well, it was funny. I had to throw it in there.

• 31:03Caleb Hammer?

  You have sex with your stepbrother?

• 31:07Speaker 03

  But, yes, she's very, not, not controlling, but she does, like, I know my position.

• 31:14Caleb Hammer?

  Yeah, but every time there was an onboarding call, you were too busy to join any of them.

• 31:19Speaker 01

  That's right. He thought that he had nothing. He thought he had nothing important to say.

• 31:24Caleb Hammer?

  How, that's for us to determine.

• 31:26Speaker 01

  Yeah.

• 31:26Speaker 03

  Like, as far as financial stuff, I have no clue. Like, like, I don't know it's a problem until she calls me and says, hey, don't spend any money on this account.

• 31:34Caleb Hammer?

  Yeah, well, why don't you just tell him he's not allowed to go gift other money to people? So what is this? I want to get back to that. What is that? What is happening?

• 31:42Speaker 01

  So, my bro, well, my brother also has a gambling addiction. He's the one that showed it to him.

• 31:49Caleb Hammer?

  Is he in a trailer on the property?

• 31:50Speaker 01

  No, he's in, no.

• 31:53Speaker 03

  He might as well be.

• 31:53Speaker 01

  Yeah, he, he's in a, um. He's the one that showed the game to them. So he pays little to no rent, but he also got like his truck repossessed.

• 32:03Speaker 03

  Her parents, her family owns a lot of land.

• 32:05Speaker 01

  So he's the one who got my husband initially on to the gambling app. Um.

• 32:10Caleb Hammer?

  What is the app?

• 32:13Speaker 03

  I don't know if you need to.

• 32:13Caleb Hammer?

  I don't know, it's not me. I'm giving thumbs up in the back.

• 32:16Speaker 01

  And it started probably about three, three and a half years ago when that happened. Well, where I'm going with it as far as going back to my brother and the money lending, he spends all his money on gambling or whatever.

• 32:29Caleb Hammer?

  While living at home, basically with the parents on their property.

• 32:32Speaker 03

  Well, he pays hardly anything in rent.

• 32:35Speaker 01

  He pays next to nothing, right? Yeah, he lives at my.

• 32:37Caleb Hammer?

  This is a family of losers. I'm sorry, right? You're a loser. You're a loser. I mean, you work, but you sit in the, you don't even interact with your family. Your brother's a loser, your grandpa's a loser, and you delegate like a loser. You don't delegate.

• 32:53Speaker 01

  I know.

• 32:53Caleb Hammer?

  And then you complain about not delegating.

• 32:55Speaker 01

  And I know I'm an inane.

• 32:56Caleb Hammer?

  No, you don't delegate and then you complain about how no one does anything after you don't delegate because you complain about delegating.

• 33:02Speaker 01

  Well, I don't delegate because if I, if I, no, because if I delegate, I've delegated for him to take the trash out and he won't do it. It'll sit for a day.

• 33:10Caleb Hammer?

  Why? Why don't you take out the trash?

• 33:12Speaker 01

  Because it's whenever I, when I say I want something and I delegate, I want it done right then, not.

• 33:17Caleb Hammer?

  Well, that's not how everything works. I mean, if you say, hey, can you take out the trash today?

• 33:21Speaker 01

  Well, then I can do it myself.

• 33:21Caleb Hammer?

  Okay, well, then that's fair because you don't get to just demand something's done in the second.

• 33:26Speaker 03

  Thank you.

• 33:26Speaker 01

  Yeah.

• 33:27Caleb Hammer?

  Like, I agree, don't take a whole day, but hey, can you take out the trash this afternoon?

• 33:31Speaker 01

  Or I don't know.

• 33:32Caleb Hammer?

  It's like this afternoon.

• 33:33Speaker 01

  No, no, no. So I asked him to do the floors for me. It took him three days.

• 33:37Speaker 03

  But they got done?

• 33:38Speaker 01

  It doesn't matter. It took him three days. We were sitting there walking on dog hair for three days.

• 33:44Speaker 03

  And then I came home from work and did it.

• 33:47Speaker 01

  And then I came behind you and.

• 33:49Speaker 03

  And redid it.

• 33:49Speaker 01

  Yeah, redid it. I was laughing. She was just.

• 33:51Caleb Hammer?

  Okay, so how much has he given to the brother?

• 33:54Speaker 03

  Not a lot.

• 33:54Speaker 01

  It's not.

• 33:55Caleb Hammer?

  There was a big fight that came from this?

• 33:56Speaker 03

  Well, it was inconvenient times because I didn't tell her ahead of time.

• 33:59Caleb Hammer?

  Tell me, what happened?

• 34:00Speaker 03

  Yeah.

• 34:01Caleb Hammer?

  Tell me what happened.

• 34:01Speaker 01

  So I saw that there was money given to my brother through our account because he will cash app it to him.

• 34:09Speaker 03

  I've been told not to do it.

• 34:10Speaker 01

  And I have repeated.

• 34:11Speaker 03

  Well, how am I supposed to say no to the brother-in-law? You know, because we're friends.

• 34:15Speaker 01

  I practically.

• 34:16Speaker 03

  Without being a dick.

• 34:17Speaker 01

  Beg him.

• 34:17Caleb Hammer?

  This is who you can't.

• 34:19Speaker 01

  I beg him to not give my brother and his friend money and he does it anyway. So what is the point of me?

• 34:27Speaker 03

  He does pay it back.

• 34:27Speaker 01

  He pays it back three weeks later.

• 34:31Speaker 02

  And by that time, we need it way soon.

• 34:34Speaker 01

  Which is why I've.

• 34:36Speaker 03

  And, and the problem is, I don't know our finances, so I don't know what position.

• 34:39Speaker 01

  But if I ask you not to do it, repeatedly have asked you not to do it, repeatedly begged you not to do it, and the very next day, you're doing it. So why, that's just a battle I'm never gonna win.

• 34:52Caleb Hammer?

  What's a gut? I, I know you're not walking out the door, but gut, pretend 100% is you're, you're walking out tomorrow, 0% is you would never even consider walking out. Give me where you're at.

• 35:05Speaker 01

  Uh, 100%, I'm not walking out.

• 35:07Caleb Hammer?

  So 0%?

• 35:08Speaker 01

  0%.

• 35:09Caleb Hammer?

  Really? So you would be willing to put up with any of this forever, for the rest of your life? Not a single, not even 1%?

• 35:17Speaker 01

  Yeah, 0%.

• 35:18Speaker 03

  Well, I wouldn't do it to her.

• 35:20Caleb Hammer?

  What do you mean? You are. What do you, what do you mean?

• 35:22Speaker 03

  What you mean?

• 35:23Caleb Hammer?

  No, wait, huh? No, I'm saying everything that's going now. I'm not going back to what was happening in the past.

• 35:29Speaker 01

  I mean, I love him. He's the, the father of my children.

• 35:31Caleb Hammer?

  Yeah, but he also just had to open up another bank account, so he couldn't have access to it.

• 35:37Caleb Hammer?

  That's not screaming trust. That's not screaming bond for life. That's crazy. Your daughter knows more, more about the household finances than he does.

• 35:47Speaker 01

  That is true, but he's not there. And I have tried.

• 35:50Caleb Hammer?

  And yet, you're not even considering 1%.

• 35:52Speaker 01

  I have tried to go over finances with him a few ti- a few times.

• 35:58Caleb Hammer?

  0%?

• 35:59Speaker 03

  It'd be a 0%.

• 36:01Caleb Hammer?

  Really?

• 36:03Speaker 03

  Well, I don't want my love of my life, yeah.

• 36:05Caleb Hammer?

  I agree. I'm not saying she'd be at 100%, but there's a lot in between there. 0% is crazy with someone who's never there.

• 36:13Speaker 01

  Well, when the, when the drugs were in place, yes, I was there.

• 36:16Speaker 03

  She was there.

• 36:16Speaker 01

  I was at 100%.

• 36:17Caleb Hammer?

  But he's never there. You have a young kid, young kid.

• 36:21Speaker 03

  I do, yeah.

• 36:22Caleb Hammer?

  A young kid, I would want you to be there.

• 36:26Speaker 03

  And I try. I try and get there anytime I'm not working. Yeah, when I'm not working.

• 36:30Speaker 01

  The other day, uh, perfect example. The other day, he was, um, gonna be going 45 minutes away and back and... Uh, my son and I were sitting there and I was like, hey, it's Friday night, you know, when dad goes back to the shop, when he's gotta go make the run, we'll just go with them. Cause it was like seven o'clock Friday night, we could spend some time together since they don't spend a lot of time together, we as a family don't. And I was like, well, when your, when your dad calls me, because he was supposed to, we'll go ride with them. That phone call never came.

• 37:05Caleb Hammer?

  Why?

• 37:06Speaker 01

  And then I called him and he was already at the location. So it was to me, it was an ample opportunity for us to spend time together when we haven't been able to. And yeah, that kinda hurt.

• 37:18Speaker 03

  I thought I could get done and enough time to be home and spend some time and it didn't work out that way. So I should've gone.

• 37:24Speaker 01

  There's. Well, he doesn't, he doesn't answer his phone.

• 37:28Speaker 03

  I'm bad about not making fun of him.

• 37:29Speaker 01

  His phone will die.

• 37:31Speaker 02

  Very frequently.

• 37:31Speaker 01

  We won't know where he's at. Um.

• 37:33Caleb Hammer?

  Is this not all extra sketchy, spending like an hour and a half in a McDonald's, spending four hours at home in the bathroom and phone dying all the time? It's a scream, still sketchy.

• 37:45Speaker 02

  I think that he traded one addiction for the other.

• 37:47Caleb Hammer?

  Probably.

• 37:48Speaker 03

  I do spend a lot of time on my phone.

• 37:49Caleb Hammer?

  Probably.

• 37:50Speaker 01

  Well, he watches YouTube. YouTube videos.

• 37:52Speaker 02

  Oh, my gosh, it's so bad. It's so, he plays it at full volume and he'll sit there and laugh.

• 37:58Caleb Hammer?

  Oh, you're like an immigrant.

• 37:58Speaker 02

  So loud.

• 37:59Speaker 03

  I am immature when it comes to.

• 38:00Speaker 01

  Oh, very much so.

• 38:01Speaker 03

  Yeah, when it comes to the videos.

• 38:03Speaker 01

  I just wish some of that of time of videos and gambling were put towards us as opposed to that.

• 38:10Caleb Hammer?

  Yes, then why aren't you? She has expressed this, I assume.

• 38:14Speaker 01

  I have.

• 38:14Speaker 03

  Well, and there's, there's, I have a shop too on the property and I spend a lot of time in the shop doing things.

• 38:19Caleb Hammer?

  How about you just try to spend a little bit with the family? I'm not saying every ounce of every day, every second. But also every time they bring up any issues, if she complains, if he complains or everything, you're, you immediately just get defensive and say that they're calling you a bad mom as well. So it's not just all on him. You're immediately defensive, you shut people down and you go at it. I'm being told from the pre-interview phone calls. So you bring up complaints and she just shuts you down with, you're calling me a bad mom?

• 38:42Speaker 02

  It's not, she does hear me out, but she tries to spin it as if I'm calling out her person, her character. We're in a situ, we were in a trailer that had, you know, not the best living situation. And due to that, she thought that I was calling her a bad mom. I'm not. The situation, because there's more.

• 39:00Speaker 01

  It's the way it made me feel. It was the comments that were made about the home and it's like, well, if I could change that situation, I would. And I get it. I know the gambling, we maybe, maybe we weren't gonna be in the situation or could be out of the situation. But it was the words that that made me feel like I'm a bad mom.

• 39:25Caleb Hammer?

  I'm just so confused why we even need to live there. The median home sales price in Little Rock as of February of this year, so last month, $247,000. You guys' income is incredible. You could totally qualify for something reasonable. The median sales price. Our plan was buying property and building our Why do we have to do that? Why do we have to do that? When we're already in, oh, okay.

• 39:47Speaker 01

  Well, we own the property now, so.

• 39:49Caleb Hammer?

  Okay, and it's five acres, right? Yeah, five acres. And we love this property? It's right next door to her parents.

• 39:56Speaker 02

  So, so, I inherit, once my grandparents pass away, I inherit that five acres that my grandparents were on.

• 40:02Caleb Hammer?

  You're creaming for that, I guess. I don't know.

• 40:04Speaker 02

  No, I was just saying, they'll be on the property right next to me. So it'd be nice to have our family just right there together. It's not.

• 40:11Caleb Hammer?

  You know, you could be down the street. I grew up like a five minute drive from my grandparents and it still felt like we were close. It's fine.

• 40:17Speaker 02

  I know.

• 40:17Caleb Hammer?

  Okay, like you're allowed to. Okay, you're never gonna leave.

• 40:20Speaker 02

  No.

• 40:20Caleb Hammer?

  You're never gonna have any parents. No, I mean, this is as clear as day. She's really not going to. I really don't think so.

• 40:26Speaker 02

  But I'm okay with that.

• 40:27Caleb Hammer?

  You see that? You see that?

• 40:28Speaker 01

  But I am. I'm okay with her being close to me. I am.

• 40:33Caleb Hammer?

  Close is different. Not in the same house. She's never gonna learn any skills.

• 40:38Speaker 02

  No, I definitely don't. That's one thing. I told her, I said, because my little brother, I know nothing about money. Once I was able to, you know, go out on my own and deal with money, I had no idea what I was doing. And so I was trying to tell her, hey, my little brother's young, try and teach him what you can.

• 40:55Caleb Hammer?

  Which one? Little stepbrother or little brother?

• 40:57Speaker 02

  Little brother.

• 40:57Caleb Hammer?

  Okay.

• 40:58Speaker 01

  Which is true. If she wanted something, she got it.

• 41:02Speaker 02

  I was definitely very spoiled.

• 41:04Speaker 01

  She never did without. So if she wanted it, she got it. So.

• 41:08Speaker 02

  I definitely spoiled.

• 41:09Caleb Hammer?

  Goes all the way down. Okay, I gotta get into these numbers because we're gonna be here for a thousand years. What do we think this household financial situation score? Actually, what do you think your financial score is? Zero to 10, zero being the absolute best, zero being the absolute worst, 10 being the absolute best? Just you?

• 41:24Speaker 02

  Like a two.

• 41:25Caleb Hammer?

  And what do you guys think your household is?

• 41:28Caleb Hammer?

  Six, seven maybe?

• 41:29Speaker 02

  Let's kill him. Let's kill this guy. Let's beat him to death with hammers.

• 41:32Caleb Hammer?

  Okay. Okay.

• 41:36Speaker 02

  But I also do have to mention, because of the ignorance with, uh, financials, I also did accidentally open up a credit card at the beginning of the month.

• 41:45Caleb Hammer?

  Accidentally?

• 41:46Speaker 02

  I did. I was trying-

• 41:47Caleb Hammer?

  What do you f***ing accidentally? What the f*** are you talking about accidentally?

• 41:49Speaker 02

  So I, I was looking at pre-qualified cards and I was trying to see what the limit they would give me.

• 41:54Caleb Hammer?

  And so they should go on.

• 41:56Speaker 02

  So then I clicked on-

• 41:57Caleb Hammer?

  You applied to get the limit of co- oh my goodness.

• 42:00Speaker 02

  Yeah.

• 42:00Speaker 01

  Are you talking about the most recent?

• 42:02Caleb Hammer?

  Not a child.

• 42:03Speaker 02

  Yeah.

• 42:04Speaker 01

  She did that because somebody told her, now listen, somebody told her, not me, somebody told her that if she were to open another credit card, the in-

• 42:15Speaker 02

  It would balance out my credit balance a little bit better.

• 42:17Speaker 01

  It would up her credit score by getting more credit. So that's why she did it.

• 42:22Speaker 02

  I was looking. I wasn't actually gonna do it just now. I was just trying to look, but yeah.

• 42:27Speaker 01

  She did.

• 42:27Caleb Hammer?

  Go on to Hammer Financial Score, get it for free at CalebHammer.com. It's free and it only takes a few minutes to see where you stand in the world of money, where you're doing poorly and where you're doing great. And if you don't want to be like the guests that end up on the show, if you want to actually fix your money, like tens of thousands of monthly active users are, you gotta download the Dollar Wise Budgeting app. You can go to the website DollarWise.com or download, link in the description below. Most people take the free trial. They love it. They sign up for the annual version because it saves 50%. And when you do, you get my 30-day detailed meal plan so that you can no longer complain about not being able to afford doing meal plans and making meal plans and having snacks and drinks because we make all your snacks and drinks and multiple meals a day, all your meals for the day right here. And I'll sign it like I did this one. I'll mail it directly to you. So you guys have this. Cool.

• 43:09Caleb Hammer?

  So teach the, especially you, you'll have a detailed meal plan in there, okay?

• 43:14Speaker 02

  I can't cook. I mean, no, I can.

• 43:16Caleb Hammer?

  There you go. I mean, it's as easy as f*** ever, man. It really is. Really is. You can keep that on the table if you want.

• 43:25Speaker 02

  Okay. Your signature looks like the Chick-fil-A logo.

• 43:28Caleb Hammer?

  I have heard that.

• 43:30Speaker 01

  Oh, it does.

• 43:31Speaker 02

  Yeah.

• 43:32Caleb Hammer?

  Oh, I'm gonna need to know who, oh my f***. Me, are you kidding me?

• 43:38Speaker 02

  And I do know that first one is mine, cuz.

• 43:40Caleb Hammer?

  Well, that's what I was gonna ask. Okay, so this is Beth's. Capital. One Quicksilver. What is going on here? Oh, my, we're spending so much money, spending way more money than you're putting towards it.

• 43:55Speaker 02

  And I'm also putting a ton.

• 43:56Caleb Hammer?

  Basically maxed out. Yeah, but it doesn't matter when you replenish it. You're just offsetting that. You didn't actually make any progress. You didn't make any progress! Four thousand eight hundred sixty-three dollars and thirty-nine cents. How does that make you feel when you hear that? Your daughter, twenty-one-year-old, not even moving out, has every blessing in the world with no actual overhead costs in her life, has a maxed-out five-thousand-hour credit card with a hundred sixty-seven hours a month as a minimum monthly payment. She only does minimums and doesn't purchase, which is incapable of both. It takes twenty-one years for her to pay this off. She will be forty-two years old. Forty-two years old, and then maybe she'll finally get her ass out of the house.

• 44:32Speaker 01

  This is what I tried to prevent from happening.

• 44:35Caleb Hammer?

  And how'd you do that?

• 44:37Speaker 01

  When she got her first credit card with this one, I told her, I said, "This is how it works."

• 44:45Caleb Hammer?

  That was it? That's all you did is said credit cards are...

• 44:47Speaker 01

  This is how it works. Well, her limit's gone...

• 44:50Caleb Hammer?

  Can't teach her how to budget?

• 44:52Speaker 01

  Well, her limit's gone up.

• 44:54Caleb Hammer?

  Okay, well, if you actually taught her how it worked and taught her how to budget and taught her how to make the payments, balance it every month, it wouldn't matter if the balance went up. Or the limit.

• 45:02Speaker 01

  The credit limit. Right. I did tell her. I said, "If you put something on it, pay it off. It's gonna help build your credit." So the whole point in her getting it was so that she could use it and put gas on it a couple times through the month, pay it off, you know, before the due date.

• 45:17Speaker 02

  That did not happen.

• 45:18Speaker 01

  I did tell her that that's what she needs to do, cuz clearly I'm in a situation where I can advise her on what not to do.

• 45:25Caleb Hammer?

  Okay, you tell me.

• 45:27Speaker 01

  She just didn't listen.

• 45:28Speaker 02

  I don't, I think I did really good with it at first, of course, as everybody does. And then I, there was a raccoon that fell out of the tree behind the house, and we kinda took it in and kept it for a couple months.

• 45:42Speaker 02

  And then my dog got pregnant, so she was expensive.

• 45:45Caleb Hammer?

  Why was your dog pregnant? Why was your dog not fixed, you freak?

• 45:48Speaker 02

  Well, I was trying to wait.

• 45:49Caleb Hammer?

  It's the first thing you're supposed to do.

• 45:50Speaker 02

  Well, she's a purebred Rottweiler and I was trying to wait until her growth plates were done growing and then get her fixed. But my boyfriend's dog is also not fixed, so.

• 45:59Caleb Hammer?

  Well, fix that one, obviously. The balls are easy.

• 46:02Speaker 02

  He's too old now.

• 46:03Caleb Hammer?

  He was too old then?

• 46:04Speaker 02

  Yes.

• 46:05Caleb Hammer?

  How old?

• 46:06Speaker 02

  Uh, seven, eight.

• 46:08Caleb Hammer?

  Okay, I don't know.

• 46:09Speaker 02

  So, they, she got pregnant and the puppies were expensive. I probably spent about three thousand just on the puppies.

• 46:15Caleb Hammer?

  And where'd they go?

• 46:16Speaker 02

  They all, well, we kept one, but the other ones, they went to their homes.

• 46:21Caleb Hammer?

  You guys happy in this house?

• 46:23Speaker 02

  No.

• 46:23Caleb Hammer?

  This is insane.

• 46:24Speaker 03

  It is, no. That's crazy.

• 46:27Caleb Hammer?

  I would lock myself in the bathroom.

• 46:28Speaker 03

  Yeah, thank you.

• 46:30Caleb Hammer?

  And go to the workshop? I mean, this place is, this place sounds insane.

• 46:33Speaker 02

  It, it definitely is. I won't disagree with it, but.

• 46:37Caleb Hammer?

  Well, you're the one doing it.

• 46:38Speaker 02

  Yeah.

• 46:38Caleb Hammer?

  And they can't even get you out.

• 46:40Speaker 03

  You know what I mean?

• 46:40Caleb Hammer?

  Huh?

• 46:41Speaker 03

  I said, didn't throw a six-year-old on top of that.

• 46:43Caleb Hammer?

  Yeah.

• 46:44Speaker 02

  But the puppies were a lot and then I got two ferrets, which I definitely shouldn't have done.

• 46:49Caleb Hammer?

  No.

• 46:50Speaker 02

  Yeah, they were three hundred and four hundred dollars each.

• 46:53Caleb Hammer?

  You have, you have a hundred twenty dollars of interest accruing on this in a monthly basis and it's all bullshit. It's all bullshit. Walmart, Walmart, Amazon, Amazon, Amazon, Amazon, Academy Sports. Pecco, I mean, that's okay, but it's insanely expensive and to put it on a credit card that accrues interest that we can't pay off is dumb.

• 47:08Speaker 02

  How much was that one?

• 47:09Caleb Hammer?

  Two forty-four.

• 47:10Speaker 02

  Okay, I think that was. Yeah, that's how much she spends on dog food. That was a cage. That was a cage.

• 47:14Caleb Hammer?

  But even still, you gotta get food and shit on top of it, I know that. Apple Bill, Amazon, Amazon, Apple, Netflix, Sonic, Sonic. Mastermind Escape, sixty-one dollars. Amazon, this is all bullshit. Going in, getting into bullshit. Smoke Palace.

• 47:31Speaker 02

  Yeah, I do have a vaping addiction.

• 47:32Caleb Hammer?

  Why? Why do you want everything to be the worst in life that you can possibly do? Like, why? Why do you just want everything to be the actual worst? Because I really don't understand.

• 47:44Speaker 02

  I don't even know how I started vaping. I started vaping when I was like fifteen, sixteen, something.

• 47:49Caleb Hammer?

  What about you guys?

• 47:52Caleb Hammer?

  Where the fuck are you guys?

• 47:55Speaker 02

  They were very lenient with me. I had, I could do-

• 47:57Caleb Hammer?

  With baby?

• 47:58Speaker 02

  Well, no, just letting me go out and do what I wanted to do.

• 48:01Caleb Hammer?

  Alright, every business owner I talk to right now is obsessed with AI. And I get it, everyone's like, "We should just try using AI." But nobody wants to be the one guessing and lighting money on fire. Which is exactly why I like today's sponsor, NetSuite by Oracle. Here's the reality, your competitors are already making moves. Sitting on the sidelines is not a strategy. But NetSuite lets you actually use AI without the chaos. NetSuite is the number one AI cloud ERP trusted by over 43,000 businesses. It brings your financials, inventory, HR, CRM, all into one clean system. That means your AI isn't guessing, it actually knows your business. It automates the boring stuff, gives you real insights, and helps you make fast decisions that save money.

• 48:45Caleb Hammer?

  And with the NetSuite AI Connector, you can plug in your AI of choice and ask real questions about your data, customers, cash, inventory, all of it. And even automate the annoying manual work. If I were running a seven-figure business, this is what I'd use. If your revenues are at least in the seven figures, get our free business guide, Demystifying AI, at netsuite.com/hammer. The guide is free to you at netsuite.com/hammer. Again, that's netsuite.com/hammer. Now, back to the show. Raise your hand if you've been putting off a dentist appointment, a yearly checkup, or honestly, any doctor visit. Yeah, same here. When something feels off, I usually doom scroll my symptoms, convince myself I have something rare, take three vitamins, and then just hope it magically fixes itself.

• 49:28Caleb Hammer?

  But that's exactly why I like today's sponsor, Zocdoc. Zocdoc is a free app and website that helps you find and book high-quality in-network doctors so you can find someone you love. We are talking about booking in-network appointments with more than 150,000 providers across all 50 states. If you're looking for dermatology, dentistry, primary care, eye care, or one of the 200-plus specialties offered on Zocdoc, you can easily search by specialty or send them to build the care team that is right for you. Wanna see your doctor in person? Great. Prefer a video visit? You can do that too. You can also read thousands of verified- Patient reviews, see real time availability and book instantly. No phone tag, no waiting around. Most appointments happen within 24 to 72 hours. And sometimes even the same day. I use this and you should too.

• 50:12Caleb Hammer?

  So stop putting off those doctor's appointments and go to zocdoc.com/caleb to find it and instantly book a doctor you love today. That is z o c d o c dot com slash caleb, zocdoc.com slash caleb. Thanks again to Zocdoc for sponsoring this message. Let's get back to the video. Well, I mean, I don't advocate for helicopter parenting. I think most don't these days. But even though some people do it, but I don't, I think we still make sure they don't vape.

• 50:39Speaker 01

  Well, she was also, I think she used it as kind of in a scapegoat a little bit because she was going through therapy and stuff. And so, you know, maybe it was, maybe, maybe it was, you know, her way to chill and relax and, you know, instead of, you know.

• 50:58Speaker 02

  I, I don't do anything else though.

• 51:00Speaker 01

  Yeah, I was gonna say.

• 51:01Caleb Hammer?

  Vaping is horrible.

• 51:02Speaker 01

  Instead of smoking weed.

• 51:04Caleb Hammer?

  It's expensive though.

• 51:05Speaker 02

  I can't smoke weed.

• 51:06Speaker 01

  And then on top of that, she'll ask me for like gas money and stuff.

• 51:12Speaker 01

  Because she's maxed out and she needs money.

• 51:14Caleb Hammer?

  Vapes.

• 51:19Caleb Hammer?

  Seven Brew Coffee, Arby's, Seven Brew Coffee, Microsoft Realms Plus. Microsoft Realms? Oh, that's Minecraft.

• 51:26Speaker 02

  It is Minecraft. I, I think I canceled that now.

• 51:29Caleb Hammer?

  No, no.

• 51:31Speaker 01

  Oh, she's a gamer.

• 51:32Caleb Hammer?

  Sonic, Amazon, Amazon, Amazon, Amazon, Amazon, Andy's Ice Cream, bullshit. Amazon, Amazon, Amazon, Smoke Pals, Amazon, uh, yeah, premium, no, no primetime. I don't even know what that is.

• 51:44Speaker 01

  Well, she's got an energy drink.

• 51:45Caleb Hammer?

  Chick-fil-A.

• 51:46Speaker 01

  Addiction.

• 51:47Caleb Hammer?

  You do too?

• 51:48Speaker 01

  Bad. Red Bull.

• 51:50Caleb Hammer?

  Whoa, I'm ser- what the is wrong with you guys? Okay, this one's Chug Juice. Make it our own! It tastes better than your energy drink bullshit anyway, because every guest has confirmed that once they've tried it.

• 52:01Speaker 02

  I was drinking two.

• 52:02Speaker 01

  Well, Monster is where she started and now it's Red Bull.

• 52:06Caleb Hammer?

  There's a hundred servings in there. It is 40 cents a serving.

• 52:09Speaker 02

  Yeah, I was doing two Monsters a day.

• 52:12Caleb Hammer?

  There you go.

• 52:12Speaker 02

  And then I started having.

• 52:13Caleb Hammer?

  Two scoops a day.

• 52:14Speaker 01

  Well, she was having heart problems.

• 52:15Caleb Hammer?

  Okay, well, you're doing one scoop a day. Smoke Pals, Amazon, Chick-fil-A, Amazon, McDonald's, CJ Maxx, it's all bullshit. Your max amount of credit card for bullshit.

• 52:25Speaker 02

  A lot of that Amazon.

• 52:26Caleb Hammer?

  You won't pay rent and you'll just spend it all on bullshit. Yeah, give me your phone. $227 in interest accruing.

• 52:33Speaker 02

  Which, remember, this is, this is everybody's Amazon. Oh, well, we use one account.

• 52:40Caleb Hammer?

  Okay, well, you have a shit ton on your credit card alone. So let's see in here. Okay, Apple Music, Grok, MyFitnessPal, Twitch, subscription.

• 52:52Caleb Hammer?

  Okay, well, you got our thank you tier, which is kind of stupid because the Hammer Elites that are the best one on YouTube.

• 52:57Speaker 02

  I did do that for a little bit.

• 52:58Caleb Hammer?

  And then Premium. Well, no, you still have it now, but I would just rather get Elite because it's better value. So many more shows.

• 53:05Speaker 01

  Well, are you looking up subscriptions?

• 53:08Caleb Hammer?

  Mm-hmm.

• 53:08Speaker 01

  Well, I pay the subscriptions.

• 53:10Speaker 02

  She pays me for them, but they're on that credit card.

• 53:13Caleb Hammer?

  That's so stupid.

• 53:14Speaker 01

  But she doesn't use the money, well, she doesn't use the money that I give her to pay on her credit card. She uses it for other expenses.

• 53:19Speaker 03

  Not using the money right?

• 53:21Caleb Hammer?

  Pants, 12-inch subwoofer.

• 53:24Speaker 01

  Oh, yeah.

• 53:25Speaker 02

  Yeah, I love my subs, but they're broken right now.

• 53:29Caleb Hammer?

  Bro, you're getting this shit while maxing out your credit card? City Passenger Airplane, I'm gonna assume this for the kid.

• 53:34Speaker 02

  Yes.

• 53:35Caleb Hammer?

  Oh, my gosh, another 12-inch subwoofer. Seamless Sports Bra, more flight things. Alice No Show Seamless Thongs.

• 53:45Speaker 03

  What?

• 53:47Speaker 02

  I don't know if those are yours or mine.

• 53:49Speaker 03

  Probably hers.

• 53:50Speaker 02

  I think those are hers.

• 53:51Speaker 03

  You go.

• 53:54Caleb Hammer?

  This is just insane. You just spend so much money. I don't get it.

• 53:59Speaker 03

  To not pay rent.

• 54:01Caleb Hammer?

  To not pay rent. Okay, who's Capital One Quicksilver is this?

• 54:04Speaker 01

  Oh, goodness.

• 54:06Caleb Hammer?

  $2,952.60?

• 54:09Speaker 01

  I believe that's his. I think it originally started as a Walmart card and then Capital One took it over.

• 54:17Caleb Hammer?

  All right, well.

• 54:20Caleb Hammer?

  Father like daughter, $2,952.

• 54:24Speaker 03

  I don't know, any cards that are in mine are not mine.

• 54:26Caleb Hammer?

  What?

• 54:27Speaker 01

  They're his.

• 54:28Caleb Hammer?

  Who is this then? Oh, but it's in his name.

• 54:32Speaker 01

  It's in his name.

• 54:33Caleb Hammer?

  What the fuck is wrong with you, dude? Again, like you, you only make the minimum payment, yet you're purchasing on it while it's accruing interest. $96 a month, $2,952.60, takes 15 years to pay off. Your youngest will be out of high school.

• 54:49Caleb Hammer?

  It will be 80. It's over maxed out. It's over maxed out. On your credit, she has an over max. I thought he was the bad one for taking money from your account, but you go from his credit and over max out a card?

• 54:59Speaker 01

  Well, hang on.

• 55:00Caleb Hammer?

  Now I understand why we don't trust anyone in this house. Okay.

• 55:03Speaker 01

  But here's the thing. I have to get credit because he spends from the checking account.

• 55:08Caleb Hammer?

  So it's my fault.

• 55:09Speaker 01

  I'm not saying it's all your fault. No, it's my fault too.

• 55:11Caleb Hammer?

  I don't think anyone takes accountability in this household. For anything.

• 55:17Caleb Hammer?

  No argument on this side, I guess.

• 55:20Caleb Hammer?

  Okay, what is credit fresh line of credit?

• 55:22Speaker 01

  Oh goodness.

• 55:23Caleb Hammer?

  4,500 out. No, there's 2,000 and then 2,500.

• 55:27Speaker 01

  Yes.

• 55:27Caleb Hammer?

  What, what is this?

• 55:28Speaker 01

  So, uh, probably a month ago is when, so, so it's a line of credit.

• 55:36Caleb Hammer?

  Yeah.

• 55:36Speaker 01

  And I was told it was closed. So when I won the 60,000, right, I didn't say closed, it was paid off. It was paid off. So I, I paid all of the line of credit and personal loans that we had. And then, um,

• 55:48Caleb Hammer?

  This accumulated in a year? The stack?

• 55:51Speaker 01

  No, that accumulated.

• 55:52Caleb Hammer?

  The stack?

• 55:53Speaker 01

  No.

• 55:53Caleb Hammer?

  You paid off all the debt with your winnings a year ago?

• 55:55Speaker 01

  Oh, no, not all of the debt. No, no.

• 55:56Caleb Hammer?

  Okay, continue.

• 55:57Speaker 01

  Just the line of credits for, for the credit fresh, um, those were paid off and about a month ago, um, I used and started going back down to.

• 56:07Caleb Hammer?

  Why? What'd you pull the line of credit for?

• 56:11Speaker 01

  The gambling.

• 56:12Caleb Hammer?

  Oh, for fuck's sake. Okay, there's no person, there's no good guy in this story. It's not all his fault. It's not all her fault. It's your fault too. You're pulling 4,500 in a month for gambling?

• 56:26Speaker 01

  And to help cover bills because of the gambling.

• 56:30Caleb Hammer?

  Oh, okay.

• 56:34Caleb Hammer?

  What the fuck are we doing, guys? Apparently gambling. What's your minimum monthly payment on this?

• 56:43Speaker 01

  Monthly, um, both are 220 each, so $440 a month.

• 56:51Caleb Hammer?

  For sake, this is insane. What is your thoughts on this, seeing this? This is insane.

• 56:57Speaker 02

  Oh, when I found out that she opened the credit lines, I was extremely disappointed.

• 57:03Caleb Hammer?

  Oh, wow, disappointed, okay.

• 57:05Speaker 02

  Cause I thought that all of the lines of credit, all the personal loans and all that were paid off and closed.

• 57:10Caleb Hammer?

  Yeah, but now you're doing it again. It's even worse.

• 57:12Speaker 01

  And I made the promise that I wasn't gonna do it again, that I wasn't gonna get us back into a...

• 57:17Speaker 02

  So when she won the 60,000, I sat down and I made a whole checklist of credit cards, lines of credit, uh, personal loans, a payoff, like which ones to pay off.

• 57:28Caleb Hammer?

  Your daughter's doing this for you, by the way.

• 57:30Speaker 03

  She's right over here, you know, I mean, she's...

• 57:33Speaker 01

  I asked her to help me. I actually asked my husband to help me, but...

• 57:40Caleb Hammer?

  Well, he's not there.

• 57:41Speaker 02

  Well, also, whenever I...

• 57:42Speaker 01

  I asked her to help me, but he didn't have the time, so I wanted somebody to help me.

• 57:47Speaker 03

  Even if I did have the time, it wouldn't matter, cause she's gonna take it all over and do it all herself anyway. Which is...

• 57:54Caleb Hammer?

  Is that what happened here?

• 57:56Speaker 02

  I mean, she got the personal loans and the lines of credit paid off, but...

• 58:00Speaker 01

  And a couple of credit cards.

• 58:00Speaker 02

  A couple of credit cards. She had, I think, 16 to start.

• 58:03Speaker 01

  14.

• 58:03Speaker 02

  14 to start.

• 58:04Caleb Hammer?

  Okay, but it's getting worse again.

• 58:06Speaker 01

  Well, now I have 12 credit cards and, uh, two lines of credit.

• 58:13Speaker 03

  Now, there was a period of time, I will, to her defense, that I went without a job because of the wreck that I had. They didn't have a vehicle for me to drive, and so I was down for two months, I guess.

• 58:25Speaker 01

  A month and a half, um, recent, that was back in October, but prior to that, there have been stints. There's been longer stints than that where he hasn't had a job.

• 58:35Speaker 03

  But we're not going back that far.

• 58:36Caleb Hammer?

  Everything started going down two years ago, down two years ago, right?

• 58:39Speaker 02

  Mm-hmm.

• 58:40Caleb Hammer?

  Is that, well, can we all agree on that?

• 58:41Speaker 02

  Yeah.

• 58:42Caleb Hammer?

  What started two years ago?

• 58:46Caleb Hammer?

  The gambling started two years ago. If you're doing thousands a month, we're reopening lines of credit after you've made progress and now we're getting worse again. It's the gambling, guys. What the is wrong with you? You have a six-year-old. This is disgusting. You don't have the option to gamble. They have self-banning, right?

• 59:06Speaker 03

  Right.

• 59:07Caleb Hammer?

  You need to self-ban yourself from these apps, right? Isn't that something you're gonna request?

• 59:11Speaker 01

  I don't know. I don't know.

• 59:12Caleb Hammer?

  If I'm not mistaken, I think it is. There we go. I'm getting head nods. Yes. You need to request that you are banned from these apps. You cannot control yourselves.

• 59:19Speaker 03

  That's true, because I have deleted the app a few times and then come back.

• 59:22Caleb Hammer?

  That does nothing. You need to request the ban. You can't control yourself.

• 59:25Speaker 03

  Right.

• 59:25Caleb Hammer?

  You have a six-year-old and you have a failure of a daughter.

• 59:30Speaker 01

  Okay.

• 59:31Caleb Hammer?

  Oh, come on.

• 59:32Speaker 02

  I still love you.

• 59:33Speaker 01

  I feel like...

• 59:34Caleb Hammer?

  Yeah, you can love her, but she's a failure. You're not doing anything with your life and your stepbrother. You're doing nothing. Everything's a joke. You're living at home even though you don't like it. This is, it's pathetic.

• 59:47Speaker 01

  Yeah.

• 59:47Caleb Hammer?

  It's pathetic. Nothing is going well. You guys make way too much money to be in this situation, which is even worse than making no money and being struggling. You guys make six, over six figures a year, easily. A hundred twenty to a hundred thirty thousand hours a year. And yet you live on a trailer on a property that you're now owned but can't do anything with, and it's just broken. Now you live with your parents and your daughter's a failure. Who knows what the six-year-old's gonna look like? This is a disgusting disaster. Wake up!

• 1:00:16Caleb Hammer?

  For fuck's sake.

• 1:00:17Speaker 01

  I haven't gambled since Saturday.

• 1:00:19Speaker 03

  Oh.

• 1:00:19Speaker 02

  Oh, my God. It hasn't even been a week yet. God.

• 1:00:24Speaker 01

  Oh, goodness gracious, dude. I'm just saying, I can, all I'm saying...

• 1:00:29Caleb Hammer?

  Bro, it's because you literally just got kicked out and moved into another house.

• 1:00:32Speaker 01

  But I'm just saying...

• 1:00:33Caleb Hammer?

  You're out of the routine.

• 1:00:34Speaker 01

  That just means that I can do it, you know?

• 1:00:37Speaker 02

  Well, yeah, anybody can do anything. It just depends on how long.

• 1:00:40Speaker 01

  When it comes to addiction and stuff, some people just can't walk away or stop.

• 1:00:44Speaker 02

  No, you can stop.

• 1:00:45Caleb Hammer?

  Bro, it's been a couple of days. Shut the fuck up.

• 1:00:48Speaker 02

  Hasn't even been a week.

• 1:00:49Caleb Hammer?

  It hasn't even been a full week.

• 1:00:49Speaker 02

  No.

• 1:00:50Caleb Hammer?

  I'll get you the Mind Card, formerly the Fizz Card. It's a debit card that builds credit, because obviously you can't manage credit cards or shit. You can only spend it in your checking account. It's very good. Use that. I'll also get you a course career certification or whatever you want. A lot of people in the audience have taken those and gotten six-figure jobs. So you do that and get the fuck out! What a mess. What a mess, guys. Oh my gosh. So what, what was spent? Let's see. No, wait. No, this is something new. Oh, this is just out of order. And your quicksilver that we just saw before on next that is spent by you that you over maxed out with a thousand hours of interest also. Titan. Diane, I don't know. You tell me what this is.

• 1:01:27Speaker 01

  What?

• 1:01:30Caleb Hammer?

  What is this? What are you spending seventy-five bucks on?

• 1:01:34Speaker 01

  Oh.

• 1:01:36Speaker 03

  Where is it?

• 1:01:37Caleb Hammer?

  I don't even know what it is.

• 1:01:39Speaker 01

  Nope, that's gambling.

• 1:01:41Caleb Hammer?

  On a credit card, on a credit card. You ma- you over maxed out his credit card for your gambling. Oh.

• 1:01:50Speaker 01

  Rare tea that I've.

• 1:01:51Caleb Hammer?

  Oh, shut up. No, no.

• 1:01:54Speaker 01

  Maybe two or three times.

• 1:01:56Speaker 03

  Really?

• 1:01:56Speaker 01

  On the credit card.

• 1:01:58Caleb Hammer?

  We plugged your shit into the Dollar Wise budgeting app? Yeah. Five thousand five hundred ninety-eight dollars in gambling.

• 1:02:05Speaker 01

  Oh, in a month?

• 1:02:11Speaker 03

  Blimey.

• 1:02:12Speaker 01

  Jesus Christ. I knew it was a lot. I, I knew that. I'm. It's not on me.

• 1:02:18Speaker 03

  I know, I know.

• 1:02:21Caleb Hammer?

  We plugged all your numbers into Dollar Wise and your categories are.

• 1:02:28Speaker 01

  Well, if the gambling stops, then, which it is.

• 1:02:33Caleb Hammer?

  Almost a thousand dollars going out to eat.

• 1:02:36Caleb Hammer?

  Dollar Wise saw you doing a thousand dollars out to eat, just about.

• 1:02:40Speaker 01

  A month?

• 1:02:42Caleb Hammer?

  Is that a month?

• 1:02:42Speaker 01

  It seems high.

• 1:02:43Speaker 03

  Well, does that, does that include like gas station purchases or is that just like fast food?

• 1:02:47Speaker 01

  That's just. Oh, fast food.

• 1:02:50Caleb Hammer?

  This is why you gotta plug your guys' shit into Dollar Wise. It'll automatically just tell you where everything is going and you will have the biggest wake up call. What?

• 1:02:58Speaker 03

  That's a lot of money.

• 1:02:59Caleb Hammer?

  Guys, you don't even understand how disastrous this is. You should be living the best lives, the best lives in Little Rock. The median home price in Little Rock, what was that? Two forty-seven? The United States is over four hundred. Do you guys realize how? That's because you live in Little Rock, but I mean, if you're gonna live somewhere like Little Rock, take advantage of how cheap it is to live in Little Rock.

• 1:03:23Speaker 03

  Right.

• 1:03:26Caleb Hammer?

  I want to see how this comes back to gambling somehow, but.

• 1:03:29Speaker 01

  It won't.

• 1:03:31Caleb Hammer?

  Uh huh. Well, see, you didn't know that for the Capital One, which is card anyway. Two thousand eight hundred thirty one dollars and eighty eight cents, which is insane. Hundred three dollar minimum payment. What the [bleep] are we doing? Takes fourteen years to pay off. What the [bleep]? At a thirty three point four nine percent interest rate!

• 1:03:50Speaker 01

  It's the highest interest rate on all the credit cards.

• 1:03:53Caleb Hammer?

  So, she had a late fee last year.

• 1:03:55Speaker 01

  What?

• 1:03:56Caleb Hammer?

  Oh, that's interesting. On this card.

• 1:03:59Speaker 01

  On JCPenney?

• 1:03:59Caleb Hammer?

  On JCPenney.

• 1:04:03Speaker 01

  That's surprising. I didn't know that.

• 1:04:04Caleb Hammer?

  Is it? It's either you were late or you didn't have enough money in your checking account when it attempted to poll.

• 1:04:10Speaker 01

  Nothing's on auto pay. Well, nothing's on auto pay.

• 1:04:12Caleb Hammer?

  Well, even if you paid and it didn't have enough, it would bounce and you would.

• 1:04:16Speaker 01

  Right.

• 1:04:18Caleb Hammer?

  Return transaction fee. But there was one last year.

• 1:04:21Speaker 01

  Oh, I try not to. I mean, I.

• 1:04:24Caleb Hammer?

  Well, that's good. You didn't even know what happened.

• 1:04:28Speaker 01

  Well, I have a calendar and on my calendar, I know when the bills are coming out.

• 1:04:32Caleb Hammer?

  And how'd that work?

• 1:04:35Speaker 01

  Apparently, I.

• 1:04:36Caleb Hammer?

  Not at all.

• 1:04:37Speaker 03

  But see, if you would let me, if you would kind of delegate some of that, it would, uh, probably help you remember.

• 1:04:43Speaker 02

  She would still check it to make sure that you did it.

• 1:04:46Caleb Hammer?

  Thousand one hundred dollars in interest in a year.

• 1:04:49Speaker 03

  Man.

• 1:04:50Caleb Hammer?

  Okay, who's the Capital One Platinum of two thousand five hundred twenty one dollars?

• 1:04:54Speaker 01

  We have five Capital One cards.

• 1:04:56Caleb Hammer?

  Platinum.

• 1:04:57Speaker 01

  So I don't know.

• 1:04:58Caleb Hammer?

  World Master Card.

• 1:05:00Speaker 01

  So we're authorized on each other. So I don't know which one's his and which one's mine. One of them's, um, he's got two Capital Ones.

• 1:05:08Caleb Hammer?

  Thought you might know the balance, but two thousand five hundred twenty one dollars and sixty four cents, minimum monthly payment of eighty two bucks, fifteen years to pay off, interest accruing. Oh, it's over maxed out. It's over. That's why it's not spent on it. It's over the limit!

• 1:05:25Speaker 01

  So what I do.

• 1:05:26Caleb Hammer?

  It's on his credit, I'm being told.

• 1:05:28Speaker 01

  Okay, so what I do is I will pay the minimum and then before the statement hits, I'll.

• 1:05:38Caleb Hammer?

  You'll what? You'll what?

• 1:05:41Speaker 01

  If we need gas.

• 1:05:42Caleb Hammer?

  Why do you need money? Why does a household in Little Rock, Arkansas, making a hundred thirty thousand dollars a year need gas money?

• 1:05:50Caleb Hammer?

  Exactly. Wake the f*** up. Capital One Quicksilver. Two thousand two hundred seventy-three. Who is this? This is the third Quicksilver. I bet it's on yours, Amy.

• 1:06:03Speaker 01

  It's either me or him.

• 1:06:07Caleb Hammer?

  Two thousand two hundred seventy-three dollars and thirty-two cents. Minimum monthly payment, seventy-three dollars. Purchasing additional cash advances, forty-six dollars, thirty-six cents.

• 1:06:17Speaker 01

  Yeah, I don't know what that is.

• 1:06:17Caleb Hammer?

  Well, I'll tell you what the f*** it is right now. Nineteen dollars. What was it? What was it? What was it? Let's find out. KTM, what's that?

• 1:06:25Speaker 01

  KTM.

• 1:06:26Caleb Hammer?

  What's KTM? What's KTM?

• 1:06:30Speaker 01

  Gambling.

• 1:06:33Caleb Hammer?

  You're cash advancing from a credit card gambling.

• 1:06:35Speaker 01

  But I didn't know they did cash advance like that. I didn't know they did cash. I did, now, because I didn't know.

• 1:06:41Caleb Hammer?

  And you got a ten-dollar fee just for that.

• 1:06:43Speaker 01

  Right, but I didn't know that.

• 1:06:45Caleb Hammer?

  For forty-six dollars, you paid an additional ten, and now it's accruing interest on that plus the ten. And probably lost the forty dollars. And you went in the gas station and got some bullshit.

• 1:06:54Caleb Hammer?

  Fees, interest, disaster.

• 1:06:58Speaker 01

  I didn't know they did cash advance like that on a credit card.

• 1:07:02Caleb Hammer?

  Well, yes, you did, because you did it.

• 1:07:03Speaker 01

  But I didn't at the time.

• 1:07:05Caleb Hammer?

  Another Capital One Quicksilver. Sick. How many do we have?

• 1:07:10Caleb Hammer?

  Two thousand, thirty-six dollars and seventy-seven cents. Thirteen years to pay off. Minimum monthly payment, sixty-six dollars, fifty-two dollars, sixteen cents to purchases, forty-six dollars of interest accruing, thirty-six dollars over the f*** limit. What? You have a vacation planned soon? You can't afford to go anywhere?

• 1:07:27Speaker 01

  Well, now.

• 1:07:27Caleb Hammer?

  What's your vacation? Better not be to Oklahoma City, Vegas, or... Oh, girl.

• 1:07:35Speaker 01

  We're, we're, no, we're going with my parents and my whole family to Dauphin Island, but it's not...

• 1:07:42Caleb Hammer?

  Where is this?

• 1:07:44Speaker 01

  Dauphin Island, Alabama. It's beautiful. But it's not booked yet. I mean, but we all share on the...

• 1:07:50Caleb Hammer?

  It's Dauphin Island! It's the Redneck Riviera.

• 1:07:53Speaker 01

  Yeah, Dauphin Island. It's beautiful. Oh, it's beautiful. We've been there.

• 1:07:55Speaker 02

  It is. It's great.

• 1:07:56Speaker 01

  We went there a few years ago.

• 1:07:58Speaker 02

  I'm not going, though. I can't afford it.

• 1:07:58Caleb Hammer?

  Is it nicer than Florida?

• 1:08:00Speaker 01

  No, it's not in Florida, it's in Alabama.

• 1:08:01Caleb Hammer?

  Is it nicer than Florida?

• 1:08:02Speaker 01

  Oh, nice, yeah.

• 1:08:03Caleb Hammer?

  It's right there, then just go to Florida.

• 1:08:05Speaker 01

  It's on a, it's a.

• 1:08:05Caleb Hammer?

  It's nicer than like Miami Beach or Clearwater? Okay, well, less people, but it's nicer?

• 1:08:10Speaker 01

  But it only takes like eight hours to get there, so.

• 1:08:13Caleb Hammer?

  Oh, road trip, yeah.

• 1:08:15Speaker 01

  It's closer, and we share the cost of everything, so.

• 1:08:18Caleb Hammer?

  You can do that other places too, but, okay. Ultra OG, Ultra OG Ecom Solutions East, fifty-two dollars, sixteen cents.

• 1:08:28Speaker 03

  Damn it.

• 1:08:29Caleb Hammer?

  It's just over the limit. Why do you actually even want to be close to this? You know the people you surround yourself with are often.

• 1:08:37Speaker 02

  Well, I didn't know it was this bad. I, I knew it was bad.

• 1:08:41Speaker 01

  I don't think it should be there. So, the reason why I do it, or did it, was because the way that it works is.

• 1:08:49Caleb Hammer?

  How clear is the water in Alabama?

• 1:08:52Speaker 02

  It's not.

• 1:08:53Caleb Hammer?

  Exactly, it's on the Gulf, the water's never clear.

• 1:08:55Speaker 02

  No. But the, the beaches are nice.

• 1:08:59Caleb Hammer?

  And other Capital One clicks over, the literal fourth Capital One clicks over. Fifth, fifth Capital One clicks over.

• 1:09:05Speaker 01

  Yeah, we have.

• 1:09:06Caleb Hammer?

  Well, yeah, but one's hurt, so there must be another one coming. One thousand, seven hundred and sixty-five dollars and eighty-six cents with a fifty-eight dollar minimum payment. It's over maxed out. It's over the limit, guys. It's over the limit.

• 1:09:19Speaker 01

  Not by a lot.

• 1:09:20Caleb Hammer?

  You're the one saying you manage the household and was taking victim complex the first half of this conversation? But you're the one gambling, this is your card, gambling to over the limit on everything, you're managing the household? No, you're destroying the house. You're destroying the house, I don't care if he doesn't take out the trash, you're obliterating the finances of this house, you're going to bankruptcy, you're going to the end of this house and marriage and survival.

• 1:09:45Speaker 01

  Maybe.

• 1:09:46Caleb Hammer?

  Maybe? Are these numbers not screaming loud enough for you?

• 1:09:50Speaker 01

  No, it is, I, I, I mean, it's not going to because the gambling has stopped, so.

• 1:09:55Caleb Hammer?

  Since a couple days ago! What? What are you talking about? How are you gonna gaslight me with that shit? Oh, fuck off! Fuck off, don't ever say the gambling has stopped again.

• 1:10:11Speaker 01

  It will, it is, it is, it has.

• 1:10:15Speaker 02

  Since Saturday, since Saturday.

• 1:10:17Speaker 01

  Yeah, since Saturday.

• 1:10:18Speaker 02

  Almost a week.

• 1:10:19Caleb Hammer?

  Ah! Shut up!

• 1:10:22Speaker 03

  I don't feel so bad.

• 1:10:23Speaker 01

  Well, eh. Shut up. Here's the thing, I, we're homeless, so of course, yeah, I can't afford to get in.

• 1:10:29Caleb Hammer?

  You're living with your parents. Shut the fuck up homeless.

• 1:10:32Speaker 03

  If anybody's homeless, I'm homeless.

• 1:10:35Caleb Hammer?

  City Simplicity, who's this?

• 1:10:37Speaker 01

  Me.

• 1:10:38Caleb Hammer?

  What are we gonna see here? Oh, over maxed out. That's curious.

• 1:10:42Speaker 01

  Not by much, though.

• 1:10:44Caleb Hammer?

  Oh, that doesn't, shut the fuck up by much. What do you mean by much? How much can you?

• 1:10:47Speaker 01

  Like if I make another minimum?

• 1:10:49Caleb Hammer?

  Yeah, before you purchase it on it, cause you made a fifty dollar minimum monthly payment and then you purchased eighty-two dollars sixty-six cents. So I don't give a fuck if you make a minimum. One thousand two hundred nineteen dollars and twenty-one cents is the balance.

• 1:11:01Speaker 01

  If I make a minimum and not use it.

• 1:11:03Caleb Hammer?

  Which you're incapable of, so I don't give a fuck. And even if you make a minimum and don't use it, it takes eight years to pay off. Eight years. That's the shortest payoff, by the way, we've had so far.

• 1:11:14Speaker 01

  Just cause the balance is lower.

• 1:11:17Caleb Hammer?

  Yes.

• 1:11:18Speaker 01

  Yeah.

• 1:11:19Caleb Hammer?

  With a fifty dollar and nine cent minimum monthly payment. Wingstop, critical, huh? Critical. We couldn't survive without Wingstop.

• 1:11:29Speaker 01

  I don't even remember.

• 1:11:30Caleb Hammer?

  Couldn't survive without going in and getting his bullshit.

• 1:11:36Caleb Hammer?

  Interest accruing, high interest rate.

• 1:11:42Caleb Hammer?

  Okay, Nick credit card, Chase credit card, thousand dollars. She says she doesn't know how to log in.

• 1:11:47Speaker 01

  Well, it, they, they, yeah.

• 1:11:49Caleb Hammer?

  To even pay?

• 1:11:50Speaker 01

  Right. I just make the.

• 1:11:51Caleb Hammer?

  Oh, you call to pay?

• 1:11:52Speaker 01

  I call to pay.

• 1:11:53Caleb Hammer?

  Oh, why do we live our life in such an overly complex?

• 1:11:57Speaker 01

  Well, because the card, well, hang on.

• 1:11:58Caleb Hammer?

  There's so much mental energy.

• 1:12:00Speaker 01

  The card is in his name. He would have to call.

• 1:12:04Caleb Hammer?

  Call!

• 1:12:05Speaker 03

  I didn't even know I had that card.

• 1:12:06Caleb Hammer?

  Dude, you're in the bathroom four hours a day. Call the fucking bank.

• 1:12:09Speaker 03

  I don't even know, but I have no clue what, I, like, neither of them cards.

• 1:12:13Caleb Hammer?

  What?

• 1:12:14Speaker 03

  Yeah, like she.

• 1:12:14Caleb Hammer?

  What? Did she not tell you?

• 1:12:15Speaker 03

  I've been so hands off that I have no idea what I did.

• 1:12:18Caleb Hammer?

  Why haven't you told them?

• 1:12:19Speaker 01

  I've tried. He wants nothing to do with it. He wants the freedom of not having to deal with it.

• 1:12:24Caleb Hammer?

  You don't get that freedom as a father and a partner.

• 1:12:27Speaker 01

  You can say what you want. I've tried a few times to talk to you about it and you, it's as though you don't want. To do it.

• 1:12:33Speaker 02

  Well, I know I tried when I made the bat.

• 1:12:35Speaker 01

  His logic of what he wants to do is he wants to get another card with interest free and then transfer all the balances over.

• 1:12:40Caleb Hammer?

  That doesn't change any behavior asshole. That's gonna make you get double the credit card debt cuz then you're gonna not change behavior and build up the one that just went to zero.

• 1:12:47Speaker 03

  Well, the only time that we talked about that is instead of calling a consolidation.

• 1:12:51Caleb Hammer?

  Don't do that either until you change behavior.

• 1:12:53Speaker 03

  Right. That's the only time I can I get involved or, you know, the sheet brings it to.

• 1:12:59Speaker 02

  Whenever Mom won the sixty grand, I tried to show you all the credit cards and everything and

• 1:13:04Speaker 01

  He's uninterested.

• 1:13:05Speaker 02

  You wouldn't look.

• 1:13:05Speaker 03

  Because it didn't matter what I say, you're gonna do what you want, right?

• 1:13:10Speaker 02

  It'd be nice to know what's going on, no?

• 1:13:12Speaker 01

  But if you wanted to know, I feel like you should have been more forceful with it. I mean.

• 1:13:18Speaker 03

  Like I've tried to get her to like.

• 1:13:19Caleb Hammer?

  What's the minimum monthly payment on this?

• 1:13:21Speaker 01

  Forty.

• 1:13:22Caleb Hammer?

  Hammer Elite is the best YouTube membership on the platform and I just upgraded it. Three exclusive dedicated shows every single day, Monday through Friday. Join with the link in the pinned comment or description below. This is the best membership you'll ever join. That's a promise. Guys, just real quick, don't forget to take your Hammer financial score at CalebHammer.com. See where you stand, where you gotta do better, where you're doing shit. Listen, it just takes a few minutes and it is free. Figure out where you stand in the world of money. CalebHammer.com.

• 1:13:53Speaker 01

  The balance is a thousand, but.

• 1:13:56Caleb Hammer?

  Okay, care.

• 1:13:58Speaker 01

  Care credit.

• 1:13:59Caleb Hammer?

  Care credit.

• 1:14:00Speaker 01

  That one, they kinda screwed me on.

• 1:14:01Caleb Hammer?

  So this is yours.

• 1:14:03Speaker 01

  That's mine. He had one, but we paid it off because if you don't pay it off in the first, in a year, all the interest.

• 1:14:09Caleb Hammer?

  So how'd you get screwed on that? That's deferred interest.

• 1:14:12Speaker 01

  Well, because I didn't, it was the first.

• 1:14:14Caleb Hammer?

  Well, fuck you look at it.

• 1:14:15Speaker 01

  I know, and I didn't.

• 1:14:16Caleb Hammer?

  You didn't get screwed over? You didn't look at it, dude. That's not getting screwed over. You can't be a victim and everything. Four years to pay off, almost maxed out, eight hundred and ninety-three dollars. Okay, yeah, minimum payment.

• 1:14:27Speaker 01

  It's not maxed out.

• 1:14:29Caleb Hammer?

  Almost, it's close.

• 1:14:30Speaker 01

  Oh, and I don't use that.

• 1:14:32Caleb Hammer?

  A shit ton of interest, of course, twenty-six point six-nine percent interest rate. But there's a Home Depot credit card now.

• 1:14:38Speaker 01

  That's, uh, next.

• 1:14:41Caleb Hammer?

  Who pays this?

• 1:14:42Speaker 01

  I do.

• 1:14:43Caleb Hammer?

  So I'm confused cuz a larger payment was made on this one.

• 1:14:48Caleb Hammer?

  And then no purchases, but there was purchases on everything. There were fines. What the fuck is happening here?

• 1:14:56Caleb Hammer?

  Okay, you owe eight hundred thirty-four dollars and twelve cents, minimum monthly payment fifty dollars and four cents. Okay, twenty-three months to pay off, went down from twelve hundred, but, oh, you were past, no, no, you weren't. Um, what does this fee, oh, this is a monthly fee? This is just a horrible card. Oh, it's in a thirty-five point nine-nine percent interest rate.

• 1:15:17Speaker 03

  Oh, good God.

• 1:15:18Speaker 01

  That's you.

• 1:15:20Caleb Hammer?

  Oh, you wanted to start a lawnmower business?

• 1:15:22Speaker 02

  Yes, that's where this came from.

• 1:15:24Caleb Hammer?

  What are we even talking about? You wanted to start a business, you can't even get out of the bathroom.

• 1:15:27Speaker 03

  That was when, that was back in the day.

• 1:15:29Speaker 01

  That was when he didn't have a job, and...

• 1:15:31Caleb Hammer?

  When was that?

• 1:15:32Speaker 02

  Right before rehab.

• 1:15:33Speaker 03

  The addiction days.

• 1:15:33Speaker 02

  It was right before rehab.

• 1:15:35Caleb Hammer?

  Oh.

• 1:15:35Speaker 02

  Cause he didn't, that was what threw them into...

• 1:15:39Caleb Hammer?

  What, cause you didn't want to get tested?

• 1:15:41Speaker 02

  No, he didn't want to, he didn't want to...

• 1:15:42Speaker 01

  He didn't want to work. He didn't want to work. He still will tell you to this day, if he didn't have to work, he doesn't want to work.

• 1:15:48Speaker 03

  Yeah.

• 1:15:49Caleb Hammer?

  Like, anything at all?

• 1:15:50Speaker 03

  Do what?

• 1:15:51Caleb Hammer?

  Well, no, I mean, I would work, I would just do exactly what I want.

• 1:15:53Speaker 03

  I would do what I want to do, right, yeah.

• 1:15:54Caleb Hammer?

  What do you want to do?

• 1:15:55Speaker 03

  I'd love to get into, having like, I'm, I'm just a big kid, like, I still, one of my vices is baseball cards.

• 1:16:02Caleb Hammer?

  Of all of you.

• 1:16:03Speaker 03

  Yeah, baseball cards, football cards.

• 1:16:05Caleb Hammer?

  Oh, for fuck's sake.

• 1:16:05Speaker 03

  Yeah, no.

• 1:16:06Caleb Hammer?

  That would be your job, baseball cards?

• 1:16:08Speaker 03

  Well, yeah, I would probably get into a collection.

• 1:16:12Caleb Hammer?

  Okay, don't pursue your passions, ever.

• 1:16:14Speaker 03

  Yeah, right. Yeah.

• 1:16:16Caleb Hammer?

  Good.

• 1:16:18Speaker 01

  But, that was what that is from.

• 1:16:21Speaker 02

  Card was open for?

• 1:16:22Speaker 01

  The card was open for his lawnmower business that went nowhere.

• 1:16:25Caleb Hammer?

  PayPal, who's this? You have everything.

• 1:16:28Speaker 01

  Yes.

• 1:16:29Caleb Hammer?

  Of course, but you use it, right?

• 1:16:31Speaker 01

  Um, I don't use it.

• 1:16:32Caleb Hammer?

  Four years to pay off, you pay it?

• 1:16:34Speaker 01

  Yes.

• 1:16:35Caleb Hammer?

  Seven sixty-one ninety-two with a thirty-dollar minimum monthly payment.

• 1:16:39Speaker 01

  The only time I've ever used the PayPal was, was to pay like a central, like a water bill, to help pay on the water bill.

• 1:16:47Caleb Hammer?

  Why is it so high, then?

• 1:16:48Speaker 01

  These were purchases from...

• 1:16:51Speaker 01

  A long time ago. I don't even know with PayPal.

• 1:16:54Caleb Hammer?

  You could make so much progress, but you put it all to gambling. You could have such a good life. You have no idea. Who has the credit one?

• 1:17:01Speaker 01

  Me.

• 1:17:01Caleb Hammer?

  You know, credit one's like the definition of the worst of the worst.

• 1:17:04Speaker 01

  Yes, I know this because they charge a monthly like

• 1:17:07Caleb Hammer?

  They sure do.

• 1:17:08Speaker 01

  Eight dollar fee just to have the card, but it's like three hundred and seventy-eight dollars.

• 1:17:14Caleb Hammer?

  You think that's what's making your break in your life? No, it's your gambling. Three thousand or three hundred and sixty-seven dollars and seven and a half cents with a thirty dollar payment. It's almost maxed out. Interest and fees are accruing. Okay, what is this? Baptist Health.

• 1:17:29Speaker 01

  Oh, so he had a medical emergency.

• 1:17:33Caleb Hammer?

  What?

• 1:17:34Speaker 01

  So his ankle was

• 1:17:38Caleb Hammer?

  Yeah.

• 1:17:39Speaker 01

  So he had to go to the

• 1:17:40Caleb Hammer?

  Are you on a payment plan?

• 1:17:42Speaker 01

  Yeah, so it's fifty dollars a month.

• 1:17:45Caleb Hammer?

  Okay, and you owe three hundred

• 1:17:46Speaker 01

  Three hundred and fifty.

• 1:17:47Caleb Hammer?

  Three hundred and forty-three dollars and twenty-six cents. I mean, this doesn't stress me out as much medical specifically, but I just don't understand why we gamble while we have this. Okay, money owed to family fifty, what the?

• 1:18:01Caleb Hammer?

  Fifty-seven thousand dollars?

• 1:18:03Speaker 01

  So that was for the purchase of the five acres.

• 1:18:06Caleb Hammer?

  Okay, so you bought the property fifty-seven thousand dollars from family? So it's a personal loan to a family? I thought you said you acquired property. Oh, I didn't realize you were still owed family for it. Oh, what the fuck? What's the minimum monthly payment? Is there interest on this?

• 1:18:22Speaker 02

  No interest and one thirty.

• 1:18:24Caleb Hammer?

  How does she know?

• 1:18:25Speaker 02

  No, three hundred.

• 1:18:26Speaker 01

  One thirty?

• 1:18:27Speaker 02

  Yeah, it's three hundred.

• 1:18:30Caleb Hammer?

  What the fuck are we doing? Why are we even doing this, guys? You could have got a just a nice house somewhere. What the fuck are we doing? Why? What is this obsession with grass? I'm glad you have it. You'd get it somewhere else.

• 1:18:40Speaker 01

  Well, the reason why we wanted the five acres is because it's right next to our family and

• 1:18:53Caleb Hammer?

  But you had to borrow from family. Borrow from family!

• 1:18:59Caleb Hammer?

  $57,000. Now you owe 300 a month. You're lucky it's zero interest, but it's so stupid. You're going into debt for everything. Who has student loans?

• 1:19:08Speaker 01

  We both do.

• 1:19:09Speaker 02

  We all do.

• 1:19:10Caleb Hammer?

  What?

• 1:19:11Speaker 02

  Well, we all do.

• 1:19:11Caleb Hammer?

  Okay, who has, uh, $57,000 on one? $53,000.

• 1:19:15Speaker 01

  Who is it through?

• 1:19:16Caleb Hammer?

  Advantage.

• 1:19:17Speaker 01

  Oh, that's him.

• 1:19:19Caleb Hammer?

  For what?

• 1:19:20Speaker 03

  I got a bachelor's degree.

• 1:19:21Caleb Hammer?

  For what?

• 1:19:23Speaker 03

  Marketing.

• 1:19:24Speaker 01

  Business marketing.

• 1:19:25Speaker 03

  Yeah.

• 1:19:26Caleb Hammer?

  Oh, my dude.

• 1:19:29Caleb Hammer?

  What the fuck? When? This is so much. $53,132.56 minimum monthly payment.

• 1:19:37Speaker 01

  2014.

• 1:19:37Caleb Hammer?

  $718.01. What the fuck are we doing? What the fuck are we doing, guys?

• 1:19:46Speaker 01

  So I signed up for a plan on that one. Um, it'll be paid off in 12 years. It's 270, 270.

• 1:19:54Caleb Hammer?

  Enjoy that forever. My god.

• 1:19:56Speaker 01

  $270.

• 1:19:57Caleb Hammer?

  Okay, who has Mogila?

• 1:19:59Speaker 01

  Me. Yeah, well, no.

• 1:20:00Caleb Hammer?

  And what's the total balance on this?

• 1:20:01Speaker 01

  You. She does.

• 1:20:02Speaker 02

  Yeah, that's mine. I have two, two separate loans, but the total is about 4,000.

• 1:20:08Caleb Hammer?

  And you got no student loans? Or you got no degree, right?

• 1:20:11Speaker 02

  No degree. No, I went for some, one semester because I felt

• 1:20:15Speaker 02

  a little bit of pressure from family to go, but there was also no, um...

• 1:20:18Caleb Hammer?

  You felt too complicated not being literally under your parents' nose for two hours?

• 1:20:23Speaker 02

  I was driving home every day. I was driving home every day.

• 1:20:26Caleb Hammer?

  Oh, no, I was driving home. What the? Oh, wait, you had a dorm?

• 1:20:31Speaker 01

  Yes.

• 1:20:32Caleb Hammer?

  Dude, you are too sheltered.

• 1:20:35Speaker 03

  Thank you.

• 1:20:37Caleb Hammer?

  You're actually gonna have a weird life.

• 1:20:39Speaker 02

  Probably. I mean, I don't know a lot of things, like cleaning. I have been watching videos because we're about to get our own place to learn how to do maintenance on house.

• 1:20:49Caleb Hammer?

  Videos on cleaning?

• 1:20:50Speaker 02

  I had no idea that like dishwashers and fridges had filters that you're supposed to clean. No idea.

• 1:20:56Caleb Hammer?

  You're watching videos on cleaning at 20?

• 1:21:01Speaker 01

  I didn't know that. You could have asked me.

• 1:21:04Caleb Hammer?

  Could you guys parent for once in your life?

• 1:21:07Speaker 01

  She could have asked me. I've tried.

• 1:21:11Caleb Hammer?

  So mom made you go to this college and go to the dorm?

• 1:21:14Speaker 01

  She, I essentially forced her.

• 1:21:18Caleb Hammer?

  Honestly, you probably should have. You probably should have.

• 1:21:22Speaker 01

  And a lot of that.

• 1:21:23Caleb Hammer?

  You're a [bleep] shouldn't.

• 1:21:24Speaker 02

  But also what I was going for wouldn't have been worth it because I was going for animal sciences.

• 1:21:29Caleb Hammer?

  What? There are animal scientists though.

• 1:21:31Speaker 02

  But I can't do blood. I'll pass out.

• 1:21:33Caleb Hammer?

  Even animal blood?

• 1:21:34Speaker 02

  Yeah, can't do it. I will faint.

• 1:21:36Caleb Hammer?

  Then do something else. I don't know.

• 1:21:38Speaker 02

  Yeah.

• 1:21:40Speaker 02

  I don't, mm, mm. It wasn't for me. Shouldn't have gone in general.

• 1:21:45Caleb Hammer?

  And now you're just gonna be a bank teller for the rest of your life, living with your parents forever?

• 1:21:49Speaker 02

  Not teller, no. I'll live up. Now, but everybody loves me there and they keep saying that once.

• 1:21:56Caleb Hammer?

  What an accomplishment.

• 1:21:59Speaker 02

  I'll get up, up the ladder at some point.

• 1:22:01Caleb Hammer?

  Will you?

• 1:22:01Speaker 02

  Yeah.

• 1:22:02Caleb Hammer?

  You're satisfied living at home, having your parents walk in you [bleep].

• 1:22:08Speaker 02

  I've also walked in on them. Ah, but that's, we're married.

• 1:22:11Caleb Hammer?

  Guys, can we not put socks on doors or something if we're gonna live like this? Who has the Kia Sorento?

• 1:22:17Caleb Hammer?

  Okay, what's the balance? I can't tell.

• 1:22:19Speaker 01

  It's like 12 or 13,000.

• 1:22:22Caleb Hammer?

  No, $13,280.65 minimum monthly payment. What's your minimum monthly payment on your student loans?

• 1:22:29Speaker 02

  Uh, $55 a month?

• 1:22:32Caleb Hammer?

  $55. And then yours on this Kia, $184.

• 1:22:36Speaker 01

  Well, it's, it's really.

• 1:22:37Caleb Hammer?

  You missed your student loans. What are your student loans?

• 1:22:39Speaker 01

  Um, oh, um, so they're about 57 to 60,000.

• 1:22:45Caleb Hammer?

  What's 60? What's your minimum?

• 1:22:47Speaker 01

  Um, so I signed up for a plan and it's $250 a month.

• 1:22:53Caleb Hammer?

  I'm gonna die.

• 1:22:53Speaker 01

  And in five years, anything not paid off will fall off. So it's an income contingent plan that I signed up for.

• 1:23:02Caleb Hammer?

  When?

• 1:23:03Speaker 01

  Um, about a month ago.

• 1:23:06Caleb Hammer?

  Okay.

• 1:23:07Speaker 01

  Cause the first payment's just now coming due on that.

• 1:23:09Caleb Hammer?

  That doesn't make sense. With who? Federal government?

• 1:23:11Speaker 01

  Mm-hmm.

• 1:23:12Caleb Hammer?

  The RAP repayment assistance program forgiveness is like forty years of low payments.

• 1:23:15Speaker 01

  It was ED Financial and it was for five years.

• 1:23:19Caleb Hammer?

  I would double check.

• 1:23:19Speaker 01

  I think it's the length of the, it's because it's been so long. I mean, I graduated in 2010.

• 1:23:24Caleb Hammer?

  I would just double check. Okay, what's GS Lending Services?

• 1:23:27Speaker 01

  GLS.

• 1:23:28Caleb Hammer?

  Past due, past due six hundred and forty-three dollars.

• 1:23:31Speaker 01

  That is, uh...

• 1:23:32Caleb Hammer?

  What the f**k is this?

• 1:23:33Speaker 01

  That's...

• 1:23:34Caleb Hammer?

  Ah, what else is in a twelve point seven percentage return of debt?

• 1:23:37Speaker 01

  Yeah, that's the Hyundai.

• 1:23:38Caleb Hammer?

  Oh, it's a Hyundai. Who's Hyundai?

• 1:23:40Speaker 01

  Well, it originally started as hers and we bought it for her when she went to college, brand new.

• 1:23:46Caleb Hammer?

  Of course, we couldn't stay out of the house.

• 1:23:48Speaker 01

  And then...

• 1:23:49Caleb Hammer?

  Oh, the Kia was past due as well.

• 1:23:50Speaker 01

  Yeah. Well, the Kia, I mean, the Kia is...

• 1:23:54Caleb Hammer?

  So tell me, what, now he has it?

• 1:23:55Speaker 01

  Well, hang on. So the Kia is four hundred and thirty-five dollars a month.

• 1:23:58Caleb Hammer?

  Yeah.

• 1:23:59Speaker 01

  Um, as far as the Hyundai, yes, now he has it. We bought it from her for three thousand dollars and she went and got her another vehicle.

• 1:24:08Caleb Hammer?

  Wait, whoa, whoa, whoa, whoa. Oh, the Kia, okay, okay, okay. The Kia is four thirty-five a month?

• 1:24:13Speaker 01

  Correct.

• 1:24:13Caleb Hammer?

  Okay, so I had it lower. But the Hyundai, what's going on with this?

• 1:24:17Speaker 01

  Um, so it's six hundred and forty-three dollars a month and so, um, currently what I...

• 1:24:23Caleb Hammer?

  Okay, but you're late.

• 1:24:24Speaker 01

  Correct. So what I do is I just, I'm a month behind.

• 1:24:29Caleb Hammer?

  So how much a month?

• 1:24:30Speaker 01

  A month behind.

• 1:24:31Caleb Hammer?

  So it's three... No, it's six...

• 1:24:32Speaker 01

  No, it's six hundred and forty-three.

• 1:24:33Caleb Hammer?

  Oh, now you owe double. Six forty-three ninety-one. My life. My life. You owe a total of sixteen thousand, seven hundred, eighty-one dollars. What are we doing? Thirty-nine cents and you're gambling, yet you're behind. This is so ridiculously f**ked. You have, this is so stupid. Okay, the amount of paperwork left is usually the amount of paperwork that someone comes into financial audit with.

• 1:25:00Caleb Hammer?

  We're at an hour and twenty-nine. Jeez Louise.

• 1:25:04Speaker 01

  I think that, um, you're about done.

• 1:25:06Caleb Hammer?

  She just hit me with a Jeez Louise. She needs to leave this house immediately. She needs to go get some life. She's saying Jeez Louise. She's an eighty-year-old. She has no life. She needs to leave this house.

• 1:25:18Speaker 02

  I don't like cursing in front of my parents.

• 1:25:19Caleb Hammer?

  You don't have to curse, but Jeez Louise is something no human has ever said in the history of twenty-one years old.

• 1:25:27Speaker 02

  I'm around a lot of old people at work.

• 1:25:29Caleb Hammer?

  Kick her out and home.

• 1:25:30Speaker 01

  I appreciate that she doesn't curse or, you know, that she's a-

• 1:25:34Caleb Hammer?

  An old person.

• 1:25:36Speaker 01

  Oh.

• 1:25:36Caleb Hammer?

  Okay. Ah, what is this, twenty-four thousand, two-hundred-and-sixty-four dollars with a seven point two-five percent interest rate?

• 1:25:42Speaker 02

  That's my car.

• 1:25:43Caleb Hammer?

  Oh, you, what are you doing?

• 1:25:45Speaker 02

  It's an Acura TLX twenty-twenty?

• 1:25:47Speaker 01

  So we bought-

• 1:25:48Caleb Hammer?

  Why?

• 1:25:49Speaker 03

  But would you not pay rent? That's, you can, you can spend that kind of money on a car.

• 1:25:53Caleb Hammer?

  Huh? Twenty-four thousand, two-hundred-and-sixty-four dollars? What's your minimum monthly payment?

• 1:25:59Speaker 02

  It is four-eighty-four fifty-two.

• 1:26:02Speaker 02

  But I got, so I refinanced with my bank that I work for.

• 1:26:06Caleb Hammer?

  Is this the refinance or before?

• 1:26:07Speaker 02

  Yes, that's the refinance.

• 1:26:08Caleb Hammer?

  This is the refinance at seven point two-five percent? It's not great. Still gonna pay it off quick, so stupid.

• 1:26:13Speaker 02

  It's a lot better than what it was.

• 1:26:15Caleb Hammer?

  Sure, great, doesn't mean it's good. Okay, Amy, medical bills.

• 1:26:20Speaker 01

  Oh, that's-

• 1:26:20Caleb Hammer?

  We don't, I don't even have a number.

• 1:26:22Speaker 01

  It's, it's UAMS.

• 1:26:24Caleb Hammer?

  How much is this?

• 1:26:24Speaker 01

  So it's seven-hundred-and-eighty-two dollars, I believe, seven-hundred-and- Seven-thirty-eight.

• 1:26:30Caleb Hammer?

  What's the minimum monthly payment?

• 1:26:31Speaker 01

  Eighty-two dollars a month.

• 1:26:33Caleb Hammer?

  Take-

• 1:26:33Speaker 01

  And that's because he had to go to the ER and we didn't have insurance.

• 1:26:36Caleb Hammer?

  For the ankle thing?

• 1:26:37Speaker 01

  Hmm, and he didn't have insurance at the time.

• 1:26:40Caleb Hammer?

  Okay, I think that's actually the debt. Hey, goodness, that, the rest of this is checking accounts?

• 1:26:44Speaker 01

  Well, well, I, and savings, I have, it's checking, savings, and I have a 401K.

• 1:26:50Caleb Hammer?

  Yeah, let's see what those are like. Okay, this checking account, who is it? Ended at twenty-six dollars. Arvist.

• 1:26:57Speaker 01

  What is the account number or?

• 1:26:59Caleb Hammer?

  I don't know.

• 1:26:59Speaker 01

  Last name, I can't see.

• 1:27:00Caleb Hammer?

  I don't know. It's blacked out for your safety.

• 1:27:03Speaker 01

  Oh. Huh? Oh, it's, it's his.

• 1:27:07Caleb Hammer?

  It's next. Yep, there's his, uh, trip to McDonald's. McDonald's, summer autumn play. Gambling. Laser great gift shop, forty seven dollars. That's gambling. J H. Gift shop is gi- J H Mart? No, that's gonna be a gas station. So you're going and getting into bullshit, going and getting into bullshit, Amazon, Cash App. Plex Worldwide. Gambling. Gambling, gambling. Going inside, getting into bullshit McDonald's, getting into bullshit, Whataburger, this is insane. Getting into bullshit Burger King, gambling, gambling, Chick-fil-A. I think gambling. Bulldogs Restaurant, Smoke Palace.

• 1:27:52Caleb Hammer?

  Cigarettes and gambling and gambling and gambling and Cash App for fifty dollars, Amazon, Walmart. Yeah, bullshit probably. Smoke shop. Going and getting into bullshit, Amazon, this is insane, Ocean Dock. Gambling. Yeah. Liquors, smoking. Going inside, getting into bullshit, gambling, I think gambling, gambling, gambling, gambling, gambling, gambling, gambling. Yeah, you know how it added up to the thousands we talked about before the dollar was saw? Yeah. McDonald's, Amazon, Amazon, Texas Roadhouse, La Quinta Inns and Suites, where are you going? Yeah, where we're going. Gambling. Cash App, Amazon, Amazon, gambling, gambling, gambling, Cash App, gambling, gambling, gambling, gambling.

• 1:28:37Caleb Hammer?

  Own it fit. What is it? Own it fit? Own it. Own it? That's gambling. Gambling, gambling, gambling, Amazon.

• 1:28:47Caleb Hammer?

  Gambling, gambling, gambling, gambling, gambling, Seven Broom, McDonald's, Sonics, going and getting into bullshit, smoking, bullshit, bullshit. Bullshit, Dairy Queen McDonald's, this is insane, this is one month is crazy. Gambling, Roblox. Oh, my little brother. Bad. He's getting groomed too. Gambling, gambling, gambling, gambling, gambling, Cash App, Amazon, Taco Bell, who are you sending Cash App to? That's the. Gambling. That's to the friends and mother in law. Okay. Gambling, gambling, McDonald's, McDonald's, gambling. Oh, no, bullshit, bullshit, bullshit, bullshit McDonald's, Cash App, Cash App.

• 1:29:30Caleb Hammer?

  So Cash App, away for hours at a time, locking himself in the bathroom.

• 1:29:35Speaker 01

  Well, Cash App also is for the game, so if you win money, it goes through Cash App.

• 1:29:40Caleb Hammer?

  Right. Cash, yeah, but this is, no, no, these are, these are outs. These are outs, not in.

• 1:29:45Speaker 01

  Oh, they're all out?

• 1:29:46Caleb Hammer?

  Yes.

• 1:29:47Speaker 01

  Oh, well, you can also do Cash App for the gambling as well.

• 1:29:52Caleb Hammer?

  Parties, I think gambling, bullshit, gambling, gambling, gambling, bullshit, McDonald's. Dude, this is the most insane chicken and gun I've ever seen. This is actually disgusting. Cash App, gambling, bullshit, McDonald's, fashion? Hallway fashion?

• 1:30:09Speaker 01

  What's the amount?

• 1:30:10Caleb Hammer?

  Forty-eight dollars eighty-seven.

• 1:30:11Speaker 01

  Gambling.

• 1:30:13Caleb Hammer?

  What the fuck are we doing? Cash App, gambling, gambling, bullshit, bullshit, gambling, gambling. This is insane. This is insane. Alright, whose account went from fifty-two dollars to one thousand two hundred sixty-seven? Mine.

• 1:30:27Speaker 01

  I was gonna say, I don't have that bank.

• 1:30:29Caleb Hammer?

  Get in some bullshit, Wendy's, gambling, gambling, gambling, RV Sonic, gambling, gambling, gambling, gambling, gambling, gambling. Gambling, Schlotzki's, gambling, Texas Roadhouse, gambling, gambling, gambling. Uh, bullshit, bullshit, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling. I think we have a gambling problem. Oh, I think so. I would actually get some help on this. Gambling, bullshit, Chick-fil-A gambling, gambling. Gambling, gambling, gambling, gambling, bullshit, gambling.

• 1:31:06Caleb Hammer?

  Gambling Wendy's, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling. Fifty bucks a pop, by the way. Yeah. Yeah. Yeah. That's why you should have used dollar, you would have seen these numbers and you would have thrown up. Gambling, gambling, gambling, gambling, gambling, Wendy's. Come on. Gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling. Gambling, gambling, gambling, gambling, gambling, Papa John's gambling, gambling, bullshit, gambling, gambling. Might actually have more on there than I do.

• 1:31:36Speaker 01

  We have just as much.

• 1:31:38Caleb Hammer?

  Gambling, gambling, gambling, gambling, gambling, gambling. PayPal out, probably the gambling, gambling, gambling, gambling, gambling, gambling. Gambling, gambling, gambling, gambling, Sonic Drive, gambling, gambling, gambling, gambling, gambling, gambling. I'm seeing a pattern here.

• 1:31:56Caleb Hammer?

  Gambling, gambling, Sonic, BS, Subway.

• 1:32:01Caleb Hammer?

  Okay. With two overtraps. And how many months is that?

• 1:32:06Speaker 02

  One.

• 1:32:06Caleb Hammer?

  One.

• 1:32:08Caleb Hammer?

  You have Capital One, who has Capital One?

• 1:32:10Speaker 02

  Uh, me and my mom both have Capital One.

• 1:32:12Caleb Hammer?

  Who has a dollar?

• 1:32:13Speaker 02

  Me.

• 1:32:14Caleb Hammer?

  Okay, gambling.

• 1:32:17Speaker 02

  Oh, that was just a, you know.

• 1:32:19Caleb Hammer?

  A gamble.

• 1:32:20Speaker 02

  No.

• 1:32:21Caleb Hammer?

  Certainly was. Two thousand and the savings.

• 1:32:26Speaker 02

  That's my mom's.

• 1:32:27Caleb Hammer?

  But in the checking account, who's it?

• 1:32:29Speaker 02

  That's my mom's.

• 1:32:30Caleb Hammer?

  But in the checking account, it's gambling, gambling, gambling, gambling, gambling, ATM withdraw, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling. Zell out, gambling, gambling, Zell out. Gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling. Zell out, ATM withdraw $200, gambling, gambling, gambling, gambling, gambling, gambling. All this in one month, gambling, gambling, gambling. ATM withdraw, gambling, Subway, gambling, gambling.

• 1:33:00Caleb Hammer?

  The savings she was bragging about earlier went from $4,000 to $2,000. So she could gamble. So your retirement for the remainder of your life at almost 50 is $17,000 and then $1,500. What a pathetic joke.

• 1:33:15Speaker 02

  Yeah, that second one is mine, my retirement.

• 1:33:17Caleb Hammer?

  You?

• 1:33:18Speaker 02

  She has retirement. This one's my retirement.

• 1:33:21Caleb Hammer?

  Budget, figure out his income, don't get on loans together, go get a rental and live your life and pay off your debt, asshole. That's all you need. You guys need something else entirely.

• 1:33:33Caleb Hammer?

  Get out. No wonder you're on Financial Auto with them, because you can't separate yourself. It's really fucking weird.

• 1:33:41Caleb Hammer?

  Leave the house.

• 1:33:45Speaker 03

  It's gonna be a weird break, dude.

• 1:33:49Caleb Hammer?

  The minimum monthly payments for this household, not hers, included is $3,735.05. Absolutely insane. You're lucky with the household. We bring in about 9,974. Wait, no. 8,000, 8,974. Net. Well, no, gross. You gotta set 30% aside. I'm gonna take off 1,000. 7,974. When's the last time you filed taxes?

• 1:34:16Speaker 01

  We do them every year.

• 1:34:17Caleb Hammer?

  Okay. Uh, okay. Utilities, electric. Well, I don't even know, but usually what is it?

• 1:34:23Speaker 01

  So, we have

• 1:34:27Speaker 01

  for the trailer, it's about $220 a month. For the shop, it's about 115 a month.

• 1:34:37Caleb Hammer?

  Okay, gas.

• 1:34:38Speaker 01

  And then, we have the rent house. Um, because

• 1:34:44Caleb Hammer?

  How much?

• 1:34:45Speaker 01

  We planned on It is uh, 55 a month.

• 1:34:52Caleb Hammer?

  Okay, gas, room, room, drive, drive. How much on a monthly basis?

• 1:34:55Speaker 01

  Uh, 80 a month.

• 1:34:58Caleb Hammer?

  For both?

• 1:34:58Speaker 01

  For me.

• 1:34:59Caleb Hammer?

  Okay, you? Driving, car?

• 1:35:01Speaker 03

  Probably, probably 40, cuz I don't drive a lot. I drive, um.

• 1:35:06Speaker 01

  Company vehicles? In his, his works right down the road.

• 1:35:09Caleb Hammer?

  Okay, phone bill?

• 1:35:11Speaker 01

  Um, $220 a month. And we're all three on the

• 1:35:17Caleb Hammer?

  Groceries, one, two, three. You guys use the meal plan, use the cookbook, use all the good stuff.

• 1:35:24Caleb Hammer?

  You guys, not her included, she's on her own now. You're dead. You're independent. Off.

• 1:35:33Speaker 01

  Okay.

• 1:35:34Caleb Hammer?

  You guys with the kids should be able to do about 700 hours a month. TP fund, anything else you guys need is 5250. Medical, healthcare, copays on a monthly basis, any?

• 1:35:43Speaker 01

  Yes.

• 1:35:44Caleb Hammer?

  How much?

• 1:35:44Speaker 01

  We pay his separates, $235 a month.

• 1:35:48Caleb Hammer?

  Okay.

• 1:35:49Speaker 01

  Um, mine's included on my check.

• 1:35:51Caleb Hammer?

  Copays? No copays though?

• 1:35:52Speaker 01

  No copay. Uh,

• 1:35:55Speaker 01

  what do you mean by copay?

• 1:35:56Caleb Hammer?

  Copays, the, actually, the

• 1:35:57Speaker 01

  Like if we go to the doctor, there would be a

• 1:35:59Caleb Hammer?

  Do you go to things on a monthly basis? Okay, so 235.

• 1:38:05Caleb Hammer?

  Yeah, well.

• 1:38:06Speaker 01

  We don't know what we're gonna.

• 1:38:07Speaker 03

  Yeah, we just don't know what we're.

• 1:38:08Caleb Hammer?

  Well, don't, I want to build something now. I would rent something now, get your debt taken care of, and then pay this off. If you rent something out for a thousand, this doubles it. It takes two and a half years to pay off the debt. But that's okay. Go work some more hours, and that's fine. And you can pay off even quicker. I'm okay with that. And you're just doing it with you two, the two dogs, and the one kid. So you don't have to rent something crazy. It's just a couple of years. Pay off the debt, get a fully funded emergency fund, then build something. You can do that. That's fine. This is just a couple of year process. Couple of year process. That's fine. This isn't the end of the world. How much does it take to get up that house to living standards for you guys to live in that for a while?

• 1:38:43Speaker 01

  Into the rental house? So, they want to bulldoze it down.

• 1:38:49Caleb Hammer?

  Well, yeah, but live there temporarily. What would it take?

• 1:38:51Speaker 01

  Temporarily, um.

• 1:38:54Speaker 03

  I would say probably ten grand, maybe, probably, because I mean, there's.

• 1:38:58Caleb Hammer?

  That might be worth it. So I'd put, I'd maybe put ten grand to get someone else to fix it up, and make it so that you guys can live in there, because that all of a sudden brings your minimum payment down once the ten grand is gone. Meaning you can pay off all your debt in one and a half years, all your bad debt, the minimum payments and student loans in the family. And then you are saving up a fully funded emergency fund, and then you save up enough to put a down payment down on building a dream house, which you guys can, under your situation. But none of this includes gambling, of which was thousands. So what was it, like five thousand dollars? You have two thousand hours left. After the ten thousand hours you borrowed to get it fixed up, you probably only have like fifteen hundred left. This does not work unless you quit gambling, go get help. That's it. That's it. And then build this budget, and work on it. I'll give you this. You follow it.

• 1:39:42Caleb Hammer?

  It's not that difficult. Just stop being children with your money. You guys are adults.

• 1:39:46Speaker 03

  Yeah.

• 1:39:47Caleb Hammer?

  We're gonna call the boyfriend of the post show, and we need to confront him on a lot of shit. So make sure you join Hammer Lee. Let's get, let's get the Hammer Financial Score first, though. Can do it for you guys. For you, grow the fuck up is your score. My goodness, I don't even know what to do with you. Spend it, we'll figure that out on the post show with your boyfriend, because we need more info from him. You guys, though, spending in a budget, overspent, not even close, zero out of ten, debt, no collections, bad, just lots of individual debts. It's kind of crazy. Um, I'll give you a one out of ten, though. That's being generous. Emergency fund, there's, what, two thousand dollars in savings? That's probably about a one out of ten for your guys' living situation. Retirement, dramatically behind, two out of ten. Real estate, own land, but not a house. It's weird. And also, you have a family debt on it. It's not great. Not happy about it. Three out of ten.

• 1:40:34Caleb Hammer?

  Hammer Financial Score for y'alls household 1.5 out of 10. Get yours at CalebHammer.com. Now click, join Hammer Elite. Three premium shows posted every single day, six days a week. See you in the post-show.

• 1:40:45Speaker 03

  Hello.

• 1:40:46Caleb Hammer?

  I kinda wanna know why you're a loser who won't pay rent even though they've asked you to pay rent and you're not contributing anything to this household whatsoever.

• 1:40:54Caleb Hammer?

  Oh, he sounds like an absolute pothead. What would you guys think if you had a daughter and then you moved in a 16, 15-year-old guy and he started fucking her in the house? It's like your worst nightmare. I don't think I would let him stay there. Dad, step in! Hammer Elite is the best YouTube membership on the platform and I just upgraded it. Three exclusive dedicated shows every single day, Monday through Friday. Join with the link in the pinned comment or description below. This is the best membership you'll ever join. That's a promise.