Financial Audit's Most Violent Husband

*I CALL HIS MOM* AND *DO A PATERNITY TEST ON HIM* the fights between Robin and his mom get physical and insane. This sh*t is WILD. Watch post show here: https://hamr.link/ytjoin *OR* download the brand new Hammer Elite App ➡ https://hammerelite.com/#join (discounted annual) 💰 Download Dollarwise - Big Deals, New Features, Free Trial: https://go.dollarwise.com/join ============================= *Caleb Hammer Financial Resources* ============================= 👉 *PERSONAL LOANS* Shop for the best personal loan for a new purchase, a consolidation, or something else → https://shorturl.at/c53Eg 👉 *DEBT RELIEF* Finally experience relief from your debt once and for all → https://shorturl.at/VbGPv 👉 *CREDIT BUILDER* Got crappy credit? Break free and finally build it for good → https://shorturl.at/zZf2P 👉 *AUTO LOANS* Get the best rates on an auto loan or refinance → https://shorturl.at/vNxQL 👉 *CAR INSURANCE* Find and compare much better AND cheaper car insurance for free → https://hamr.link/ytautolion ============================= 🔥 MY NEW FLAVOR IS FINALLY LIVE!! Get Liquid Assets *NOW* for under 40 cents per serving!! Get 10% off your entire order with code CALEB - https://hamr.link/calebdrank 🔥 Get Your Own *Hammer Financial Score* → https://hamr.link/newquiz ============================= *Sponsors for This Video* ============================= ============================= *Education* ============================= 👉 Get access to EVERYTHING I offer all in one place: https://bit.ly/4sUm2pb ⚡Learn how to budget: https://bit.ly/4sspyGh ⚡Learn how to invest: https://bit.ly/41mr8OP ⚡Pay off your debt: https://calebhammer.com/master-your-debt ============================= *Extra Resources* ============================= 👉 Land a high-paying job with no experience or degree: ➡ https://coursecareers.com/CalebHammer 👉 Get FREE MONEY by investing with Public! https://secure.moneymatchup.com/public-caleb 👉 Find the best credit cards for you with my quiz! https://cards.calebhammer.com/yt 👉 Get $20 from Acorns for free: ➡ https://acorns.com/caleb 👉 Protect your online privacy and security for free with Aura: ➡ https://aura.com/hammer 👉 Checking & Savings: Get up to $350 and 3.75% APY on savings with Chime®: https://secure.moneymatchup.com/-caleb-chime-YT ============================= *Chapters* ============================= ============================= Want more content? ============================= 🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips 🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel 🍿 Caleb Hammer Top Videos https://www.youtube.com/@CalebHammerTopVideos ============================= *Connect with me!* ============================= TikTok: https://www.tiktok.com/@calebhammercomposer X: https://x.com/sircalebhammer IG: https://www.instagram.com/calebhammercomposer/ Facebook: https://www.facebook.com/calebhammercomposer/ ============================= *Want to be a guest on Financial Audit?* ============================= 👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply *Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. Business/General: [email protected] Sponsorships: [email protected] Learn more about your ad choices. Visit megaphone.fm/adchoices

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

• 0:01Speaker 00

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

• 0:26Speaker 01

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• 0:54Caleb Hammer?

  My concern is, especially with people like you that get so heated, does it ever get physical?

• 0:58Speaker 03

  I cleaned up dinner a little bit early, and he flipped the plate off the table, and the food went everywhere.

• 1:04Caleb Hammer?

  What is wrong with you?

• 1:05Speaker 03

  I don't remember what I said after that, but I was like, you're always [bleep] nasty. I remember telling him he was nasty, and then he was like, you want to see nasty?

• 1:11Caleb Hammer?

  That's insane. How many times have you been arrested?

• 1:14Speaker 04

  My whole, me?

• 1:15Caleb Hammer?

  Yeah.

• 1:15Speaker 03

  His whole life or just?

• 1:16Caleb Hammer?

  He says the first pregnancy is the only reason you guys stayed together.

• 1:20Speaker 03

  The reason that he's going so hard on this is because after I had the baby, he was texting his ex-girlfriend that his soul will forever be for her.

• 1:26Caleb Hammer?

  You had your first kid?

• 1:27Speaker 03

  After I had my daughter, she was seven months old.

• 1:31Caleb Hammer?

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• 2:04Caleb Hammer?

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

• 2:25Speaker 03

  Okay, well, I'm here with my spouse. He applied, and he's got a lot to say, apparently. So I'm... What?

• 2:34Caleb Hammer?

  Kick off the show.

• 2:36Speaker 03

  What do I say, Financial Audit?

• 2:37Caleb Hammer?

  The thing we just practiced.

• 2:40Speaker 03

  Oh, I thought that was it. I thought we got it.

• 2:43Caleb Hammer?

  I said we were practicing.

• 2:45Speaker 03

  Okay, so I'll start it over then. Start now?

• 2:49Caleb Hammer?

  Start now!

• 2:50Speaker 03

  Hi, my name is Robin. I'm 34 years old.

• 2:53Speaker 04

  Hi, I'm Marshall. I'm also 34 years old, and we're from the Catskill Mountains, New York.

• 2:56Speaker 03

  And this is Financial Audit.

• 2:59Caleb Hammer?

  Well, now I'm starting to agree with the little thing that was kind of put the... I sometimes know the hook, and that's really it when I go in, and it says, "My [bleep] wife is ungrateful as [bleep] and doesn't respect me." Well, I think throw in the word [bleep] while we're at it.

• 3:16Speaker 03

  Okay.

• 3:16Caleb Hammer?

  Because I've never experienced that in four and a half years of filming this show.

• 3:20Speaker 03

  Well, this is my first podcast, so...

• 3:22Caleb Hammer?

  It's everyone's first podcast that comes on this show.

• 3:25Speaker 03

  Yeah.

• 3:25Caleb Hammer?

  Three a week.

• 3:26Speaker 03

  And they all did it perfectly?

• 3:27Caleb Hammer?

  They didn't do that. They understand what I meant when I say, "Let's practice," and then "kick it off."

• 3:33Speaker 03

  Okay. Well, I didn't understand.

• 3:36Caleb Hammer?

  But she's also ungrateful, who doesn't respect me, according to you? According to you, according to your application notes, is usually what kicks it off.

• 3:46Speaker 04

  Yeah, she doesn't really listen to me too much. Does a lot of backtalking and doesn't allow me to...

• 3:52Speaker 03

  Sorry, I'm a human being who has an opinion and a voice. But go on.

• 3:55Speaker 04

  There you go. Doesn't know how to take no for an answer on certain things.

• 4:00Caleb Hammer?

  That's not good.

• 4:01Speaker 04

  Yeah.

• 4:02Caleb Hammer?

  Men did that, you'd say [bleep].

• 4:05Caleb Hammer?

  Okay, so what?

• 4:07Speaker 04

  So she doesn't really know how to say no to kind of anything. It's a lot of the little...

• 4:11Speaker 03

  I say no to a lot of things. That's why I say yes to some of the things that I want, because I'm constantly being told no, and I don't even manage my own finances. As soon as I had my first child, he completely took over the finances. He gives me money for groceries, asks me the exact amount. I have to make sure I don't go over, which is understandable for a budget, but I don't even have any money in my account for when I need to go get myself a pad or my son diapers. I have to run it by him, text him, wait for him to text me back, and send me the money. So when I do have money, I allow myself certain privileges as you do whatever you want, going into the city and being a comedian and making yourself famous, so...

• 4:52Caleb Hammer?

  Are you famous?

• 4:54Speaker 04

  Not yet.

• 4:54Speaker 03

  He certainly wants to be.

• 4:55Speaker 04

  But when she says, "took over the finances," what she really means is, "I let her quit her job, not work anymore, be a stay-at-home mom like she said, and I..."

• 5:05Speaker 03

  And that means I can't have any money to myself and do anything outside of being a mother and wife.

• 5:10Speaker 04

  Part of being a stay-at-home mom and not working is, yeah, the money doesn't come into your account.

• 5:14Speaker 03

  Right, but you can do whatever you want just because you're a provider.

• 5:18Speaker 04

  I don't do everything that I want.

• 5:20Speaker 03

  No, you don't? You don't?

• 5:21Speaker 04

  No.

• 5:21Speaker 03

  What don't you do?

• 5:25Speaker 04

  Not listening to you at home, I wouldn't say that much.

• 5:28Speaker 03

  Anytime he wants to go into the city and do comedy and stay out till 5:00 in the morning, he goes. Anytime he wants to go to catch a movie with a friend, he goes. Anytime he needs a little something and wants to go to Home Depot, he goes. When I need a little something or just want a break, because I'm a human being, and it's natural for your brain chemistry to compute being alone, I have to give a reason. I have to ask permission, and then a lot of the times, it's rushed.

• 5:53Caleb Hammer?

  Okay, so I think I might be on your side in that, but let me put in the fact is, when he goes out and stuff, you just say, "Okay."

• 6:03Speaker 03

  Yeah, because I'm not going to control him.

• 6:05Caleb Hammer?

  When you want things, that's he asks questions. So I mean, you're just being kind of nice, and obviously, you were approaching this in a different way, right?

• 6:13Speaker 03

  Yeah, why would I force someone to do something I know they don't want to do? I know he doesn't want to sit around. I know he wants to do...

• 6:18Caleb Hammer?

  Taking care of kids and stuff is important. Doing work is important. You can say, "Well, no, we got to do this. Why aren't we doing this?" You know, I'm not saying control people, but...

• 6:28Speaker 04

  Well, when we first got together, she told me she wants two things. She wants to be a stay-at-home mom. She wants to not work. She wants to be a mother. She's more to be a mother. So I made her a mother, a happy mother of two or three. She doesn't have to work, and then...

• 6:40Caleb Hammer?

  Is that what you want? You don't have to... Because comedy pays that much?

• 6:43Speaker 03

  Of course, that's what I want.

• 6:45Caleb Hammer?

  Why are you away from the city?

• 6:46Speaker 04

  About 90 minutes.

• 6:48Caleb Hammer?

  Okay.

• 6:49Speaker 03

  So I...

• 6:50Caleb Hammer?

  You know the failed comedian Noah Chrysler?

• 6:52Speaker 04

  Say it again?

• 6:53Caleb Hammer?

  You know the failed comedian Noah Chrysler?

• 6:55Speaker 04

  No.

• 6:55Caleb Hammer?

  Oh, probably because he's a failed comedian. Yeah, that makes sense. Okay.

• 6:58Speaker 03

  I agree with this lifestyle. I let the man lead. I don't mind that, but that doesn't mean I have absolutely nothing to myself. I didn't agree to...

• 7:05Caleb Hammer?

  What's the agreement you guys made? Is there an agreement? I mean, you can change it.

• 7:08Speaker 03

  That I would stay home and raise our children until they're school age, and then I'm a preschool teacher.

• 7:12Caleb Hammer?

  How many kids?

• 7:13Speaker 03

  My daughter is six, and my son is one, and I'm pregnant with my third. And I agreed to...

• 7:21Speaker 03

  No.

• 7:22Caleb Hammer?

  Well, just because usually Financial Audit guests are fat.

• 7:24Speaker 03

  Yeah, that was my problem. I'm coming in looking like [bleep] Danny DeVito, and that's not normally how I look. So anyway, I agreed to that life because I have a traditional value, yes. More power to the women at work, that's fine, but I prefer to raise my children rather than a stranger.

• 7:39Caleb Hammer?

  You can do whatever you want. I don't care.

• 7:40Speaker 03

  But I didn't agree to having to ask permission at almost 35 years old, what I can... Can I have money for something I need?

• 7:46Caleb Hammer?

  So when you ask for permission, and he does the permission dance or something, why don't you sit there and advocate for yourself and say...

• 7:53Speaker 03

  I have.

• 7:54Caleb Hammer?

  Then what happens?

• 7:55Speaker 03

  He says, "I need to have the money in my account."

• 7:58Speaker 04

  Bad financial spot.

• 7:59Speaker 03

  No, no, I don't spend that much, and you have all the information. I don't. $100, $200, $300 here and there for groceries?

• 8:06Caleb Hammer?

  Well, you don't spend that much with what he gives you. If you went full out, he seems to be suggesting you would go crazy.

• 8:11Speaker 03

  No, well, I mean, that's his opinion. But for me, going to the Dollar Tree, or Five Below, or getting myself a coffee when I go out for diapers does not constitute as someone who cannot manage money and cannot have money in your account.

• 8:25Speaker 04

  Oh, and it adds up every single day, 100%.

• 8:26Speaker 03

  And what do you purchase, aside from cars? That used to be a hobby of yours.

• 8:32Speaker 04

  Okay, well, that's insane.

• 8:32Speaker 03

  You used to have a hobby of purchasing vehicles.

• 8:34Caleb Hammer?

  No, I might be on your side in terms of the money and the allowance and all this weird stuff going on. I hate that kind of shit. But the thing is, I'm just trying to get the full perspective here. What is your fear? Do you have evidence based on this fear?

• 8:48Speaker 04

  Fear of what?

• 8:50Caleb Hammer?

  If she's able to just spend money without you giving her...

• 8:52Speaker 03

  Because I have an allotted amount. Like, if you, out of your check, give me $400 for my account a month to spend on groceries and whatever else I may need, what would happen?

• 9:02Speaker 04

  We've already kind of tried that kind of thing, and what happens is she spends that and then asks for more. So it's a never-ending...

• 9:06Speaker 03

  Yeah, because groceries? $100 a month for groceries for our entire family?

• 9:10Speaker 04

  It's not...

• 9:11Speaker 03

  Even at our...

• 9:12Speaker 04

  No, no, no, that's insane. $100 a month, that's crazy. That's crazy.

• 9:16Speaker 03

  Yeah, that's what I'm saying. You want me to spend... If you give me $400 in a month, you want me to spend only $100 of that on groceries, and then the rest is gas?

• 9:25Speaker 04

  No, no.

• 9:25Speaker 03

  The diapers, wipes?

• 9:26Speaker 04

  No, that's outside of our grocery bills.

• 9:30Speaker 03

  So I'm asking for money in my account so that I can go grocery shopping without asking you

• 9:35Speaker 04

  So, so-

• 9:36Speaker 03

  For money and having to make sure that there's enough in my account from what you gave me. When you freely have the money to spend, if you need a frickin' new charging wire, if you need to go to Home Depot, if you need this, that, or the other thing. You just do it like an adult.

• 9:52Speaker 04

  Yeah.

• 9:52Speaker 03

  And just because I stay home with the kids doesn't mean I'm not an adult.

• 9:55Speaker 04

  But if you want me to be so, uh, responsible for the money, then you gotta just listen to my, my guidance.

• 9:59Speaker 03

  Right, but that doesn't mean I get none of it. I'm an adult and a contributing member to this family.

• 10:04Speaker 04

  And get a job.

• 10:05Speaker 03

  I've had a job before.

• 10:06Caleb Hammer?

  Do you want her to get a job? Cause what's the agreement?

• 10:08Speaker 03

  Do you want children to be with a stranger at a daycare all day?

• 10:12Speaker 04

  Hold on, what's wrong with, there's nothing wrong with going to a daycare and having interactions with kids.

• 10:16Speaker 03

  But, yeah, but I don't want someone else raising my children. I had them.

• 10:20Speaker 04

  Would it be raising? I mean, okay.

• 10:22Speaker 03

  Yes, it's eight to 12 hours a [bleep] day.

• 10:24Speaker 04

  Wow.

• 10:25Speaker 03

  Who knows? What kind of job am I getting?

• 10:27Speaker 04

  She wants both worlds. She wants to be a stay-at-home mom, but also have a full, full-

• 10:31Speaker 03

  Really breaking the bank for your wife to have.

• 10:33Speaker 04

  Listen, if I gave you $400, it'd be gone before we got back to the hotel.

• 10:35Speaker 03

  No, it wouldn't. Uh, maybe on vacation, but at, at home, I would spend it on groceries, diapers, and gas. Instead of asking, "Hey, the tank is low, need $20."

• 10:47Speaker 04

  Yeah, and then if I-

• 10:47Speaker 03

  I would just have $20.

• 10:49Speaker 04

  You put 10 in and then you spend the other 10 on some, yes, you do.

• 10:52Speaker 03

  That's absolutely preposterous. You'll say anything to prove your point.

• 10:55Caleb Hammer?

  So she does 10 on the kids, 10 on herself?

• 10:57Speaker 04

  No, if she asks, say she asks for gas money, I'll be like, "All right, here's 40." She'll spend like 20 on gas and then 20 on other stuff and then, and then-

• 11:03Speaker 03

  No, because he specifically gives me an amount for gas. So if I don't put 20 in, you can clearly see that the tank is not put $20. Why would I put 10 in so you could see that I barely put any in?

• 11:14Caleb Hammer?

  What is your view on her simple pleasures thing? Cause I'm, what she's asking for-

• 11:18Speaker 04

  Simple pleasures-

• 11:18Caleb Hammer?

  Not unreasonable, but like, again, I don't really care what couples' dynamics are in terms of what they have chosen and agreed to. You guys are making kids, you're obviously in this for the long term.

• 11:29Speaker 04

  What happens is it, it turns into a little bit every single day. Yeah, you're right. It's not purchasing a car. It's not going out and to shopping, you know, $2,000, $5,000 shopping sprees, but it's $50 here, $20 here. And then at the end of the month, you're like, "Oh shit, it's $1,500 that I threw to you for shopping."

• 11:45Speaker 03

  When he was making more money and we were in a more stable financial situation, I would spend, we would spend.

• 11:50Speaker 04

  That's the thing, I used to not tell her no.

• 11:51Speaker 03

  And now it's stuck in his head that I'll always do that. For him, I am never, I, I could never change or evolve. So he stays where things were. Obviously, if we only have this much, I won't spend this much. I'm gonna spend this much. But he doesn't trust to do that because he's, I think, a little bit of a control freak.

• 12:08Speaker 04

  I'm glad you brought that up because that's what you're used to. You're used to when I was bringing in a lot more money, us, every time we went to the store and you wanted to grab this and grab this and it was 20, 50, 100 bucks.

• 12:16Speaker 03

  Sometimes we need those things.

• 12:17Speaker 04

  But you, but we're not in the same position as we were then, so when I have to tell you no 100 times, you can get mad. Uh, just, I lost a bit of my income about two months ago.

• 12:26Caleb Hammer?

  Why?

• 12:27Speaker 04

  I got fired from my job.

• 12:28Caleb Hammer?

  Why?

• 12:29Speaker 04

  Uh, customer complaints.

• 12:32Speaker 04

  Well, cus- one customer complaint.

• 12:33Caleb Hammer?

  Okay, well, that could be it. What was your job?

• 12:36Speaker 04

  I was, uh, selling RVs.

• 12:37Caleb Hammer?

  What complaint do you get selling RVs?

• 12:40Speaker 04

  Uh, the dude, uh, uh, had claimed that I posted about him on Instagram.

• 12:44Caleb Hammer?

  What did you post?

• 12:45Speaker 04

  I didn't post anything.

• 12:46Caleb Hammer?

  Oh, what was his claim about your post?

• 12:49Speaker 04

  He claimed that I posted his phone number and told everybody to harass him.

• 12:53Caleb Hammer?

  Why would he claim this?

• 12:55Speaker 04

  You know, he was a, he's an angry old drunk guy.

• 12:57Caleb Hammer?

  Why would he claim this?

• 12:58Speaker 04

  You know, he just-

• 12:59Speaker 03

  Apparently, somebody he knew told him that that happened.

• 13:02Speaker 04

  Yeah.

• 13:02Caleb Hammer?

  Did he get texts and calls?

• 13:04Speaker 03

  Uh, he did not send photos.

• 13:06Speaker 00

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

• 13:31Speaker 03

  Or any proof to the business? He just said, "A buddy of mine told me that this happened."

• 13:35Speaker 04

  Me and this customer got into a pretty heated argument over the work text message program before this complaint. But if you want the real story, I actually, I actually told my job on August 13th, I was going on paid family medical leave. And then magically, between the 13th and the 20th, I got this complaint and I was fired.

• 13:51Caleb Hammer?

  Why were you going on paid family medical leave?

• 13:53Speaker 04

  For the baby.

• 13:53Caleb Hammer?

  In August? She's pregnant still.

• 13:55Speaker 04

  Well, I let them know in August.

• 13:56Speaker 03

  No, but he told him in August to prepare for October.

• 13:58Speaker 04

  August 13th, I sent them the email.

• 14:00Caleb Hammer?

  Yeah, but you live in lawsuit central, the state of New York. You can do anything. Why don't you sue him? You can sue him for anything and get a check because it's cheaper to settle than go through court.

• 14:09Speaker 04

  I'm, that's, oh, still open, yeah.

• 14:11Caleb Hammer?

  Yeah, well, open. I mean, it's not necessarily a good thing that we've done that as a society, but-

• 14:16Speaker 04

  I've, I've sued quite a few people.

• 14:17Caleb Hammer?

  Exactly.

• 14:18Speaker 04

  Yeah, I own a small business and I've got [bleep]. Yeah.

• 14:20Caleb Hammer?

  Yeah, and you will get sued, you small business owner as well, and you'll have to cut those checks. Because again, it's more expensive to go through a lawsuit than just cut a quick check.

• 14:28Speaker 04

  Yep.

• 14:29Caleb Hammer?

  Uh, but, yeah, it's cause- But either way, what are you doing for money then?

• 14:37Speaker 04

  So I still have the cleaning company.

• 14:39Caleb Hammer?

  That's your small business.

• 14:40Speaker 04

  Yeah, yeah.

• 14:41Caleb Hammer?

  Clearly, it wasn't enough because you had a day job selling RVs.

• 14:44Speaker 04

  It, it, it's enough for the most part.

• 14:46Caleb Hammer?

  But you had a day job selling RVs.

• 14:48Speaker 03

  Health insurance and benefits.

• 14:49Speaker 04

  After we bought the house last year.

• 14:51Caleb Hammer?

  So he's not making enough to pay for health insurance then?

• 14:52Speaker 03

  Not in New York State. They want $400 a month.

• 14:55Caleb Hammer?

  Uh huh.

• 14:56Speaker 03

  For just to have it.

• 14:57Caleb Hammer?

  If his business can't make 400 hours a month, I'm deeply concerned about the cleaning. What do you do? What do you clean?

• 15:02Speaker 04

  Uh, we do commercial cleaning, like, uh, banks, car dealerships. Uh, it's mainly me, but I have a couple contractors that I contract out to as well.

• 15:11Caleb Hammer?

  What do you make?

• 15:13Speaker 04

  Uh, right now, per month, I'm making like 7,300.

• 15:17Caleb Hammer?

  Okay, but a little bit of supplies and stuff, not too much.

• 15:20Speaker 04

  Not, not too much. I make all my clients kind of supply their own stuff. I do buy my own stuff to kind of keep it easier when I need.

• 15:26Caleb Hammer?

  It's not horrible, but I don't think in New York State, I mean, I know you're not in the city, but you're up in, I'm still, I'm still assuming a relatively decent cost of living area. That, plus the taxes you need to set aside and all that good stuff, which I doubt you do because no one does in the history of this show.

• 15:42Speaker 04

  Nope.

• 15:43Caleb Hammer?

  Okay, well, exactly. So if you did 5,000 hours a month for a family of four, plus one coming on the way, you can't afford that life. You can't do that on 5,000.

• 15:54Speaker 04

  No, no.

• 15:54Caleb Hammer?

  Or even the 7,500. You can't.

• 15:57Speaker 03

  And just to touch base, now that we're talking about that, I did help him build the business that he's in. So even for him to say that he can't trust me with the finance, you trusted me to do the work with you. In the beginning of the business, you used my vehicle, which I paid for because I worked. Then I got pregnant and still helped you. And a week before we came here, I helped you every day. Pregnant, bending down, cleaning toilets.

• 16:23Speaker 04

  Yeah, but that's not asked. Half the time you asked to come.

• 16:26Speaker 03

  Yes, because I want to help you because you're frickin' tired.

• 16:29Caleb Hammer?

  Don't complain about the stuff that you offer. That's crazy.

• 16:31Speaker 03

  I'm not complaining. I'm setting a point.

• 16:33Speaker 04

  It sounds like-

• 16:34Caleb Hammer?

  What was the point?

• 16:35Speaker 04

  Yeah.

• 16:35Speaker 03

  The point is that if you're gonna sit there and say you can't shuffle out 400 because you don't trust me with the money, but you trust me to do the work with you, a job that I helped build.

• 16:42Caleb Hammer?

  Uh, I mean, I don't really care about you volunteering for the work, but I mean, I agree. I mean, you guys have a weird dynamic with money. I'll definitely agree with that. Uh, well, okay, are, are you saying you helped so much build the company that like, you're like an owner?

• 16:57Speaker 03

  And I, I consider that whenever he needs me, I'd be in it for him. So I, I don't consider myself an owner because that's his business.

• 17:05Speaker 04

  When I need a helping hand, she definitely is on your point. She definitely comes and helps when I need a helping hand.

• 17:09Speaker 03

  If I help with the, as much help as I do, I'm not just sitting around being a stay-at-home mom, like soaking up the money.

• 17:16Caleb Hammer?

  Yeah.

• 17:16Speaker 03

  I'm doing my part as best I can.

• 17:18Caleb Hammer?

  If you guys are really only making 7,500 and you set aside proper amount of money for taxes and all that good stuff, especially in a state like New York, fuck your life, Bing Bong, you really don't have money to spend.

• 17:27Speaker 04

  Yeah, this is the least amount that the company's made since I started it.

• 17:30Caleb Hammer?

  What? Why?

• 17:32Speaker 03

  It's a cleaning business. It fluctuates. People, you know, it's not really contractual, like-

• 17:36Caleb Hammer?

  Well, it literally is. I'm on a-

• 17:38Speaker 04

  No, I've had, I've-

• 17:39Speaker 03

  No, not everybody signs a contract to keep you on.

• 17:41Caleb Hammer?

  Get them to sign a contract.

• 17:43Speaker 03

  Difficult to get business that way because people don't want to commit.

• 17:46Speaker 04

  The average cleaning client stays like three to five years. Uh, my oldest client, uh, uh, just left after I had him since 2019.

• 17:53Caleb Hammer?

  Is it you? Because you just got fired from a job and now it's your lowest income month even though you have more time. What the [bleep]?

• 17:58Speaker 04

  No, I just, I think it just became, I wasn't, because I was, had so much, you know, good amount coming in, I wasn't actively trying to get more jobs. So as they started to fall off, I didn't have anything set up.

• 18:08Speaker 03

  We should actively try to get more. Like, I know that it's like a teeter of a business, but rather than just wondering if they're gonna stay, why don't we just do little things here and there, Airbnb and all, all other things?

• 18:19Speaker 04

  Because I was like, you know what? It's a lot of work to kind of have the fluctuation, lose a, lose a client, get a client, up and down. So that's why I was like, you know what? Maybe I'll start transitioning into a more of a day job. Haven't had a day job in like a long time.

• 18:29Caleb Hammer?

  Are you gonna apply?

• 18:30Speaker 03

  Well, he had the RV.

• 18:32Caleb Hammer?

  I mean, are you going back to? You've been laid off for a while. It's been a couple of months.

• 18:35Speaker 04

  It's been, it's been a month and a half. Uh, I, I've applied to plenty of places. I'm taking civil service exams, thinking about going back into teaching.

• 18:41Caleb Hammer?

  Why are you spending your, why are you wasting your time doing comedy instead of going and working at the fries? Put the fries in the bag. The McDees.

• 18:48Speaker 04

  Yeah, it's because that, the money's just not worth the time away from the family.

• 18:51Caleb Hammer?

  It literally is. It is time that you put there for money so you can pay bills. If she needs money to get groceries, she can't even get that money to get groceries. It is worth the time.

• 18:59Speaker 04

  She needs, she says she needs the help more than me being away for the eight hours a day to only bring in a couple hundred bucks a week.

• 19:04Speaker 03

  Also, when you were working all day and all night, it was sometimes difficult to be around you because you were so stressed out. And I'm sure you look at that and, and there's a bunch of issues and everything, but like, I, for most of the time, we weren't that much different than most of America. And it, it would be like, we couldn't get past the budget and you couldn't get past things. It's like, all right, so then we'll cut things out, we'll sell whatever car. Well, you, what do we gotta do? And like, there was no solution for it. And now that you're not working all day and all night, you, you're much easier to be around.

• 19:36Caleb Hammer?

  Okay, well, you need to [bleep] control yourself. If you're gonna be the worker and you chose to do this, I'm gonna be the breadwinner, you're gonna be a stay-at-home mother. If you chose to do that, you can't be a piece of shit coming home because you worked hard for the agreement you chose.

• 19:50Speaker 04

  Well, it's hard to come home to not a nice person sometimes, you know?

• 19:54Caleb Hammer?

  So she's a [bleep].

• 19:54Speaker 04

  You did say she was a bitch.

• 19:56Caleb Hammer?

  Are you stressed?

• 19:57Speaker 03

  I personally, I personally-

• 19:58Caleb Hammer?

  You're taking care of two kids. What, what are you stressed about?

• 20:00Speaker 03

  I'm stressed out about his attitude when he comes home.

• 20:02Caleb Hammer?

  Okay, so you're both stressed about each other when you come home?

• 20:05Speaker 03

  Yeah. Also, I don't think that I'm a [bleep]. I've, I've, if I feel like if I mentioned one [bleep] thing to him, he flies off the handle like taco night.

• 20:12Caleb Hammer?

  Like what?

• 20:12Speaker 03

  I cleaned up dinner a little bit early and he flipped the plate off the table and the food went everywhere.

• 20:18Caleb Hammer?

  What? What is wrong with you?

• 20:20Speaker 04

  She'll literally clean up dinner. They're in the middle of me eating it.

• 20:22Speaker 03

  The plate had a napkin on it. I thought he was done.

• 20:24Speaker 04

  No, no, no, no. I'm in the middle of eating. I'm in the middle of eating.

• 20:28Caleb Hammer?

  Why is it a napkin on the plate?

• 20:29Speaker 04

  There's not a napkin on the plate. She's a liar. It's just that simple.

• 20:32Speaker 03

  Even if that's annoying, why would you flip the plate and have me have to get on my hands and knees and clean it?

• 20:37Caleb Hammer?

  What is that? I've never done that.

• 20:38Speaker 04

  It's a buildup. It's like you're always, you're so inconsiderate when you do things for people.

• 20:43Caleb Hammer?

  Tell me what she's doing. Validate the plate flip.

• 20:45Speaker 04

  So, we're all eating dinner. Me, my daughter and her. She's done, so she just gets up and starts cleaning and just is so ignorant that everyone else is still eating.

• 20:54Speaker 03

  He was on his phone and the plate was off to the side and I couldn't see.

• 20:57Caleb Hammer?

  With mad food on it and my hands dirty with tacos like I'm eating tacos.

• 21:01Speaker 03

  It was a disheveled plate that looked finished.

• 21:03Speaker 04

  It's tacos. How does tacos look, dude?

• 21:06Speaker 03

  I did the dishes first. I packed the food, left it on the table, looked over a couple times. I thought he was done, so I went to throw the plate away. Oh no, he turned around and saw that I was cleaning the food and said, "I'm not done." And then I don't remember what I said because I was so taken back that he threw the tacos everywhere.

• 21:23Speaker 04

  It wasn't a great response.

• 21:24Speaker 03

  I said something about him being nasty all the time because whenever he's on his computer and something's wrong, he'll take it out on me and be nasty.

• 21:30Caleb Hammer?

  How so? Like, so snappy to me?

• 21:33Speaker 03

  Yeah, well, you know, he gets frustrated very easy and trust me, I've been that way before too. I understand. But I recognize that and I try to take a step back and then what that turned me into is a pussy. Because now I have to sit there and be talked to a certain way and if I defend myself, it turns into a huge thing.

• 21:51Caleb Hammer?

  So what did you do? He said?

• 21:53Speaker 03

  What did I do? When he flipped the plate, I cried and cleaned up the food.

• 21:56Caleb Hammer?

  No, no, no. He said, "I'm not done" and you said?

• 21:58Speaker 03

  I said, "All right, well, it looks like you're done" and then he's, I don't remember. I don't remember what I said after that, but I was like, "You're always nasty." I remember telling him he was nasty and then he was like, "You want to see nasty?" And I flipped the plate.

• 22:10Caleb Hammer?

  That's insane. What kind of flip plate was it? Or was it?

• 22:13Speaker 03

  He just flipped it like that.

• 22:14Caleb Hammer?

  That's crazy. In front of your kids?

• 22:17Speaker 03

  No, the children weren't there.

• 22:18Caleb Hammer?

  In front of your kids?

• 22:19Speaker 03

  They weren't there.

• 22:19Caleb Hammer?

  Okay, in front of her, you're flipping plates?

• 22:21Speaker 04

  Yeah, yeah.

• 22:22Caleb Hammer?

  I'm getting in an argument with my girl here and there. I've never flipped a plate. Never thrown something.

• 22:27Speaker 04

  It was a paper plate, so there was no smashing going on. Like, I'm logically angry. Okay, I'm logically angry.

• 22:33Caleb Hammer?

  It's still throwing food. That's not logically angry.

• 22:35Speaker 04

  You had to make a point. You had to make a point and if you gotta make a little mess to make a point.

• 22:39Caleb Hammer?

  You fight in front of the kids?

• 22:41Speaker 03

  No.

• 22:41Speaker 04

  No, no, no.

• 22:42Caleb Hammer?

  Okay, I'm literally being told you fight in front of the kids all the time. So one of you said that in your pre-interview.

• 22:47Speaker 04

  When my daughter was younger, the first year or two or an half or so, we fought a little much in front of her, which we definitely adjusted since then. Because we learned that it's not too good because we came from pretty, you know, our parents would fight sometimes and we didn't like it. But yeah, we don't, we try to keep the kids out of it, but she's a stay-at-home mom.

• 23:06Speaker 03

  I don't engage in front of my kids. Even if I'm upset, I'll just shut down and not engage if the kids are around.

• 23:11Speaker 04

  And the kids are also always around, so it's kind of hard to even talk about certain things without getting to that point. So a lot of times we're just shoving things to the side because the kids are around and then we never get to it. So it builds up.

• 23:21Speaker 03

  Actually, not that much anymore.

• 23:22Speaker 04

  As of lately, not too much.

• 23:24Caleb Hammer?

  What's that to you?

• 23:26Speaker 04

  Since we got up here the last year, but we've been together for seven years.

• 23:30Speaker 03

  I remember three big arguments in the last year.

• 23:32Speaker 04

  Yeah, we got into a pretty bad one about two weeks ago.

• 23:34Caleb Hammer?

  Literally, "Why'd you tell Devin you fight every day?" That is an exact quote from you that you fight every day.

• 23:38Speaker 03

  I don't know why he said half the things he said.

• 23:41Caleb 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.

• 24:21Caleb Hammer?

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

• 25:03Caleb Hammer?

  Or you can refinance your horrible auto loan today. And not only that, now you can shop for the best car insurance out there. The thing is, we are building more and more of these to help you get the best tools and services that you can possibly get online at the best rates. So check those out at CalebHammer.com. All those links are below in the Caleb Hammer Financial Services. Check them out. Save yourself a lot of money.

• 25:25Speaker 04

  So, big arguments and like this type of, this is like a fighting, kind of.

• 25:29Speaker 03

  I think he means he gets annoyed every day because he has zero patience.

• 25:32Speaker 04

  A fight to me is the way you speak to somebody and the way you speak to somebody is always in an aggressive, rude, disrespectful way and to me it's like...

• 25:40Speaker 03

  I don't think I talk aggressive and rude.

• 25:42Caleb Hammer?

  Does he ever like bail out of the house? If he's a plate flipper, does he ever just leave?

• 25:45Speaker 03

  Yeah, he leaves.

• 25:45Caleb Hammer?

  Okay, when's the last time he left?

• 25:47Speaker 03

  Uh, like, what, two weeks ago? Our daughter didn't want to sleep in her bed.

• 25:51Caleb Hammer?

  Oh, we don't fight? You left two weeks ago?

• 25:54Speaker 03

  There was no fight. He just left because...

• 25:56Caleb Hammer?

  What? What'd you do? Why?

• 25:58Speaker 04

  I just had, because she gets to a point where if I either have to react rudely or just sit there and take the beating, so I just don't do either and I leave.

• 26:04Speaker 03

  You see, this is where it becomes like fuzzy because...

• 26:09Speaker 00

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• 26:33Speaker 03

  He considers me talking back to him as argumentative and rude. And if you're gonna say something to me and insult me and who I am, then I'm gonna give you back your same energy and you can't handle that.

• 26:46Speaker 04

  Hold on, hold on. Telling her anything she does is wrong?

• 26:50Caleb Hammer?

  How do you say it?

• 26:51Speaker 03

  No, because...

• 26:52Caleb Hammer?

  Your most recent example, what did you say?

• 26:54Speaker 04

  It was with my daughter. She was giving a real attitude. I said, "Hey, can you, you gotta come and handle this because she's, she's taking after you." This is how, you created her to have this attitude. You gotta come in and deal with it when she has this attitude.

• 27:04Speaker 03

  Children give attitude. Children...

• 27:07Caleb Hammer?

  How do you think she's gonna take that? I mean, be reasonable. What do you, how do you think she's gonna take that? "Hey, our daughter's a [bleep] because you're a [bleep]."

• 27:15Speaker 03

  She does plenty of things that remind me of his behavior.

• 27:18Caleb Hammer?

  Yeah, but how do you expect her to take that? Of course she's gonna be a [bleep].

• 27:21Speaker 03

  And also, for a long time, he wasn't around all day and all night. So it's like, don't come in here and try to [bleep] point fingers in my operation. This is my [bleep] house. So you don't know what she deals with on the day in and day out. You don't know what I deal with. So you, you see a bit of her attitude and you want to blame somebody, but it's like, you don't know what's going on. And then you want to insult me and make it about me because you don't know how to handle her. So I'm always the scapegoat.

• 27:47Caleb Hammer?

  So, how'd she react when you said that?

• 27:50Speaker 04

  Ah, she, she lost it on me.

• 27:51Speaker 03

  I did, no, I didn't. I told you, I don't even remember sometimes because I literally blackout because I know that he's gonna overreact.

• 27:57Speaker 04

  So how does she say that she doesn't?

• 27:59Speaker 03

  Because I remember how I feel. I remember how you make the room feel.

• 28:02Speaker 04

  Yeah, you were angry. You're always angry. You're angry all the time.

• 28:04Speaker 03

  No, no, I'm not because I have consequences for being angry because you get angrier. So in order to keep peace...

• 28:10Caleb Hammer?

  How does that escalate? Where does that go?

• 28:11Speaker 03

  If I talk back too much, like this, I feel like if this happened at home, it would be a way bigger argument and way crazier.

• 28:18Caleb Hammer?

  How? What would it look like?

• 28:19Speaker 03

  Because he would get more angry that I'm not just agreeing with him.

• 28:22Caleb Hammer?

  But what would it look like?

• 28:24Speaker 03

  Probably a name call and storming out.

• 28:27Speaker 04

  Before I get to that, I usually try to leave because I don't want to, I don't want it to escalate to that point, but a lot of times she won't let me leave or she'll...

• 28:34Speaker 03

  That was back in the day. I used to prevent him because I wanted to solve the problem.

• 28:37Speaker 04

  She'll like want to sit there and fight and then be like, "Why'd it get to this point?"

• 28:40Speaker 03

  Then I realized that I wasn't gonna get what I needed out of him and it's better to let him leave because it gets worse.

• 28:45Speaker 04

  What did you need out of me? A fight?

• 28:47Speaker 03

  To sit down and calm down and talk to me instead of trying to get me to agree with you right away. You want me to agree with you blindly and mindlessly and that's just something I won't do.

• 28:58Speaker 04

  At the end of the day, she...

• 28:59Speaker 03

  I'll let you lead and I'll follow you anywhere, but I'm not gonna mindlessly [bleep] walk around like a drone like...

• 29:06Speaker 03

  That's just not gonna happen.

• 29:07Speaker 04

  She likes to lash out, be mean, and then expect you to be the comforting, like, alright, let's figure this out now. It's like, you can't just pet the dog that bit you. That's not how life works.

• 29:17Speaker 03

  And let me ask you this, out of all the years we've been together, and how bad things were before, you don't see any adjustment in my behaviors and how I speak?

• 29:25Speaker 04

  No.

• 29:25Speaker 03

  You don't think I'm quieter and more relaxed around you?

• 29:28Speaker 04

  Yeah, 100% you have, but I'll be honest, the last, since I've been home from work, you know, after getting fired, I've seen that you're kinda, you're getting back into that, the short temper.

• 29:36Speaker 03

  You know what? You leave your shoes in the middle of everything for someone to trip over. I could barely see over my stomach. You don't throw your plates away. You leave your socks everywhere.

• 29:45Speaker 04

  Listen to these little things.

• 29:46Speaker 03

  There are little things that are done every day, multiple times a day. And it's like, listen, it's my job to take care of the house. I did this, I want this, I enjoy it. But sometimes it feels like blatant fuck you, where you just leave, you leave a door, the whole door to the house open. We have animals and children. It's like, the mindless, she'll do it, is like childish.

• 30:05Speaker 04

  She has no patience.

• 30:07Speaker 03

  It doesn't matter. Our son's walking around, he could walk out the door.

• 30:09Speaker 04

  Hold on, hold on. For example, if I'm working outside, and I come in, pour myself a glass of water, put it on the table, go back outside to do something, come back in and grab my water, water's gone, poured out.

• 30:20Speaker 03

  It's just like, it's a different table, because it causes water marks on our, the table that he paid for, that he will complain about.

• 30:26Speaker 04

  I can't do something for five minutes without her moving. I lose things all the time, because I've, god forbid, I put my sunglasses down, or my keys down, or my shoes down.

• 30:32Speaker 03

  Because he wants the table to be his office. He puts all of his important paperwork on our kitchen table, where I have two children that eat spaghetti. And this is supposed to be your fuck this.

• 30:41Speaker 04

  You wanna clean up all day when you.

• 30:42Speaker 03

  Yeah, because the house needs to be cleaned, so that I can deal with the kids and let them make a mess and clean up after them.

• 30:47Speaker 04

  Not while people are doing stuff, though. That doesn't make any sense.

• 30:49Speaker 03

  That's fine. I understand. I let you, I waited out.

• 30:52Speaker 04

  That's like if right now, you're, you're people.

• 30:53Speaker 03

  Days at a time. But you can't leave your important paperwork on the table, for your, this isn't just your house.

• 30:58Speaker 04

  Imagine right now, your people came over, like, we're just gonna straighten up the table in the middle of this. You're gonna be like, what, no, wait till the end, wait till we're done.

• 31:05Speaker 03

  What I would do is, when the, this was over, and if there was a bunch of food and shit here, I'd clean it up.

• 31:10Speaker 04

  But you don't do it when it's over, that's a problem.

• 31:11Speaker 03

  I would leave it till the next guest comes, so they can smell tacos.

• 31:14Speaker 04

  Dude, when we first, the first couple of years we were together, she did this, this little thing. It seems so little, but she would do it so much. There's been times she's taken the blankets off of me on the couch, and be like, oh, I didn't realize you were using. I swear to god, I swear to god, I swear, I've been sitting on the couch watching a movie, and you're cleaning up the living room, and you took the blanket off me and started folding. I'm like, what are you doing? Like, oh, I didn't realize you were using. I was like, it's on me, it's on my body.

• 31:35Speaker 03

  I don't agree with that at all.

• 31:36Speaker 04

  I, I will never forget that.

• 31:38Speaker 03

  Funny concept, not true.

• 31:39Speaker 04

  No, no, I will never, you think I could just make that up? You think that's something?

• 31:42Speaker 03

  Okay, and you walking in the hallway, look like you disappear out of your shoes. There's two shoes, like, disappeared.

• 31:47Caleb Hammer?

  How long have you guys been together?

• 31:49Speaker 03

  Six years.

• 31:50Caleb Hammer?

  Seven, six, seven years? How long have you been married?

• 31:51Speaker 04

  We are not, we're engaged.

• 31:54Caleb Hammer?

  What the, how long have you been engaged?

• 31:56Speaker 03

  Three years.

• 31:57Caleb Hammer?

  Why are we not finishing it?

• 31:59Speaker 03

  We bought a house, we bought a house instead of a wedding.

• 32:00Speaker 04

  So when we got engaged, it was the middle of COVID, and nothing was open.

• 32:03Caleb Hammer?

  Go to the courthouse.

• 32:04Speaker 03

  That's what I said, he wants a wedding.

• 32:06Caleb Hammer?

  Get a, go, well, get the legal protection, and then do a ceremony when you can afford it.

• 32:11Speaker 04

  That's.

• 32:11Speaker 03

  That's what I said, and then.

• 32:13Caleb Hammer?

  What? That's what she said!

• 32:14Speaker 04

  Well, things, things happen, so it's kinda stop it. So first, when we first got engaged, COVID was happening, so there was nothing even open to go look at venues.

• 32:22Speaker 03

  It was too expensive, also.

• 32:23Speaker 04

  Then by the time we got the money, we decided we were gonna buy a house instead. And then, once we moved into our house, unfortunately, her, her dad did get sick, so.

• 32:29Speaker 03

  Yeah, he passed away in May.

• 32:30Speaker 04

  Uh, so that kinda happened over the last year, so everything else was kinda put to the side. Um, but our plan is to still get married. We consider ourselves married.

• 32:38Speaker 03

  Yeah, I consider it, but it's not, it's not, yeah, it's not official.

• 32:45Caleb Hammer?

  You guys, chaos. Listen, I don't think, the finances are probably adding an extra stress on top of it. If she's ramping back up, it's probably because of that, and she feels like you don't get any money. But you don't make any money, and you're not even setting aside money like you need to. You say you're applying for jobs?

• 33:00Speaker 04

  Yeah.

• 33:01Caleb Hammer?

  Well, did you graduate or something? Do you have a degree? What were you studying?

• 33:04Speaker 04

  Uh, I was a teacher for a while. I have my BBA.

• 33:07Caleb Hammer?

  Do that again!

• 33:08Speaker 04

  That's why I'm thinking about going back. But the money, it's, it's not, it's not that great money, honestly.

• 33:11Caleb Hammer?

  It's better than what you're doing!

• 33:13Speaker 03

  Yeah, that, you know, like, any money is good money.

• 33:15Caleb Hammer?

  And you get benefits and shit.

• 33:16Speaker 04

  Yeah, so, I'm thinking about going back into teaching.

• 33:19Caleb Hammer?

  Why are you spending all your time doing this comedy shit, though, instead of working? You gotta put food on the table.

• 33:23Speaker 03

  Granted, he has not done it as much, but it used to be a lot, like, when we lived in our old house.

• 33:28Caleb Hammer?

  The reality is.

• 33:30Speaker 04

  I cut back when needed.

• 33:31Caleb Hammer?

  Okay, but the reality is, dude, you're like, I can't work, because I need to spend more time at home. But if you're going out and doing comedy, you're already not doing that in the first place. What is this comedy thing you're trying to do?

• 33:41Speaker 04

  I've, I've, I've been doing stand-up comedy for like, two and a half years now.

• 33:43Caleb Hammer?

  What are you trying to do? Do you make money?

• 33:46Speaker 04

  Uh, no, not really.

• 33:47Caleb Hammer?

  Then why are we spending time on that?

• 33:49Speaker 04

  Well, that's.

• 33:50Caleb Hammer?

  Exposure, fuck your exposure.

• 33:51Speaker 04

  I mean, just like, just like.

• 33:52Caleb Hammer?

  Pay the bills!

• 33:53Speaker 04

  I'm sure your, your podcast wasn't making money when we first started it.

• 33:55Caleb Hammer?

  Yes, it was!

• 33:56Speaker 04

  The first day?

• 33:57Caleb Hammer?

  First day, no, but I had a business plan. You've been doing it for two and a half years.

• 34:01Speaker 04

  Yeah, well, I was running a, you know, living life and running a business outside of it.

• 34:04Caleb Hammer?

  No, you're spending time doing the comedy. Are you good at comedy?

• 34:07Speaker 04

  I'm very good, yeah.

• 34:08Caleb Hammer?

  Then why aren't you getting money?

• 34:09Speaker 04

  Uh, don't have the time and exposure to get.

• 34:12Caleb Hammer?

  What?

• 34:13Speaker 04

  Put it to it yet.

• 34:16Speaker 04

  You wanna put me on a comedy show, and pay me? I'll do it.

• 34:19Caleb Hammer?

  Uh, not paid, but on the comedy show? Sure, done. Ladies and gentlemen, welcome to the stage for two and a half minutes, Marshall Wormwaka, please.

• 34:37Speaker 04

  Thank you, thank you, everybody, thank you. Uh, I recently got kicked out of a Denny's, uh, proud to say, AKA The Waffle House for white people, you know? I'm sure you guys seen those videos. That's where it goes down for us, is, uh, the, the Denny's. You want a peaceful breakfast, you take your ass over to the Perkins, alright? Uh, you want the grand slam, come to Denny's. Uh, but no, I got kicked out of Denny's for getting into a pretty intense argument with the waitress. Um, she refused to give my elderly grandfather the military veterans discount. Can you believe that, stupid bitch? Wouldn't give him the discount. We did everything we could to prove that he was, in fact, a Nazi.

• 35:14Speaker 04

  She was like, sir, sir, that's not really how it works. I was like, I had to show her the advertisement, I was like, it doesn't say country-specific, it just says military veterans discount. She's looking at the ad like, ah shit, I think you're kinda right. And then like, two booths down, you see like, old Japanese dudes start popping up. That's a WWII joke for you guys. Um, no, and then my grandfather started, uh, eyeballing the Japanese dude. And I'm like, yo, grandpa, what are you, what are you staring at? He goes, you see that fucking cockroach over there? I'm like, yo, grandpa, you can't call people names like that. He goes, nah, you see that cockroach crawling by that fucking over there? I was like, oh shit, grandpa.

• 35:56Speaker 04

  That's a bad word. It's a bad word, right? You shouldn't be saying bad words. But there's some bad words out there, that are bad words, without kinda being bad words, you know? You don't really wanna be associated with them. Words like allegedly, you know? It's not a bad word, but you don't wanna be allegedly anything, right? Nobody's ever allegedly a millionaire. Allegedly, he owns the body shop down the street. My grandfather was allegedly a Nazi. Allegedly. That's that.

• 36:33Caleb Hammer?

  No, I'm not a comedian, I'm not a judge of comedian. I don't know if that's a, uh, full-time thing, based on that. Listen, you did get chuckles in the first minute or so. I'll be honest, your kids were being obnoxious, so I didn't hear what the, that joke was, because I was distracted by noise control. And of course, when I got to lock in after that, there were no more laughs. We're not trying to make that, we're not, come, like, you gotta pay your bills, man.

• 37:01Speaker 04

  I'll pay the bills a little bit.

• 37:02Caleb Hammer?

  Oh, yeah, I'm paying a bill, paying the bills a little bit. It's not how it's supposed to go. That's not how it's supposed to go. You gotta pay the bills all the way. If that's the agreement you two made, we're not, I mean, yes, do that as a hobby and passion, if you can make ends meet, right?

• 37:17Speaker 04

  Yeah, it doesn't, it doesn't, to cost.

• 37:19Caleb Hammer?

  Well, listen, a lot of the comedians, when they go out there, Austin's a big comedy city, but a lot of them are single, or they're dating.

• 37:24Speaker 04

  Yeah, that's another thing.

• 37:25Caleb Hammer?

  They don't have three kids to take care of. You don't get to put the entire family on layaway. You don't. That's not how this works. So, I mean, do it as a fun, but only if you can pay your bills. That, I mean, that wasn't, that wasn't, that wasn't like, make a career.

• 37:42Speaker 03

  For me, I don't mind him doing it, as long as he doesn't comment on the small joys that I have.

• 37:47Caleb Hammer?

  Well, he does, because guess what? He has no money for it, because he makes no money!

• 37:53Speaker 04

  So let's change that.

• 37:54Speaker 03

  So, yeah.

• 37:55Speaker 04

  Let's figure it out.

• 37:56Caleb Hammer?

  I know.

• 37:57Speaker 03

  Financial audit?

• 37:58Caleb Hammer?

  Well, I wanna, yes, exactly. And I wanna know, so, obviously, when it comes down to your relationship and providing money, what's the trust in the relationship currently?

• 38:08Speaker 04

  So, in the, in the beginning, we had our, had our problems, obviously, of distrust. I didn't trust her, because, uh, staying involved in her ex a little more than I would've been happy with.

• 38:17Caleb Hammer?

  What's that mean?

• 38:19Speaker 04

  There was some overlap, I feel like.

• 38:21Speaker 03

  No, there was no overlap. I was, we had been seeing each other for a month, and my ex texted my phone, and he saw it. And then, from there, it spiraled. Then, we went to a Halloween party, and he was uncomfortable with my ex being there. He was making it difficult for me. At the time, he was a new guy I was seeing.

• 38:40Caleb Hammer?

  The ex being there isn't her fault, right?

• 38:42Speaker 03

  It was a new guy that I was seeing.

• 38:44Caleb Hammer?

  Unless it's at your Halloween party?

• 38:45Speaker 04

  No, it was.

• 38:45Caleb Hammer?

  Okay, that's not her fault.

• 38:47Speaker 04

  No, it was the, but she brought me to like, his town.

• 38:50Speaker 03

  No, I hung out in that town. I brought him to a place that I hung out with, with my friends. He ended up being there. He left and made a big stink about it. Because it was so new, and I didn't really know his personality yet, I was like, this guy. And then, from that point on, he just didn't trust that I wasn't still involved with my ex.

• 39:07Caleb Hammer?

  Well, maybe. He literally told Devin, I'm being told that you hooked up with your ex while you two lived together.

• 39:13Speaker 03

  No, that never happened.

• 39:15Caleb Hammer?

  How are you saying that so confidently? Why is that what you were telling the production?

• 39:19Speaker 04

  It was before we lived together.

• 39:20Speaker 03

  When I started seeing him.

• 39:21Caleb Hammer?

  That's not what you said.

• 39:22Speaker 04

  But it was when we were dating.

• 39:23Speaker 03

  No, I never hooked up with him, especially when we lived together. He was a dead issue, but he brought him up so many times. It was a problem. He was a problem, without even being a problem. I didn't even think about the guy, and he would bring him up.

• 39:36Speaker 04

  We started dating on September 1st. Uh, Halloween is almost two months later. We were dating for two months.

• 39:40Caleb Hammer?

  Okay.

• 39:41Speaker 03

  But not seriously, and you, after I looked through your phone, you were talking to your ex the entire time.

• 39:46Caleb Hammer?

  Oh, what the?

• 39:47Speaker 03

  Sending you photos, and you were telling her you loved her.

• 39:50Caleb Hammer?

  If the entire relationship is built on a lack of trust, how the fuck are we gonna have any kind of trust at this point? Anyway, you were doing the exact same thing you were accusing her of doing. Why the fuck would she trust you?

• 40:01Speaker 03

  There were other people that weren't even your ex. There was just that, that random, two random girls.

• 40:05Caleb Hammer?

  So you guys were together for months, and you were telling people you loved them?

• 40:08Speaker 04

  I do love her. I do love her.

• 40:12Speaker 03

  Me or your ex?

• 40:13Caleb Hammer?

  Other people.

• 40:13Speaker 04

  Oh, other people? Oh, no, no, I was not.

• 40:15Caleb Hammer?

  But you were saying that in the text that she saw.

• 40:17Speaker 03

  And you were calling one of the girls babe.

• 40:20Speaker 04

  You know what? We both, we both got together while still-

• 40:23Caleb Hammer?

  You can't even admit to the truth now. Why would she trust you?

• 40:27Speaker 04

  Listen, we were, we were, we were both talking to our exes when we first got together. That's, that's a fact. But there's a big difference.

• 40:32Caleb Hammer?

  But where are you shitting on her?

• 40:33Speaker 04

  Hold on, there's a big difference. We were, we were both still involved in our ex when we first started dating. The difference is my ex lived in another state, hers lived down the road.

• 40:40Speaker 03

  But that didn't stop you guys at all.

• 40:43Speaker 04

  If my ex texted me once in a while while I'm still kinda just dating this new girl who, who I, there's not even a chance in hell I could touch or see or ever do anything with versus the guy down the road asking you to hang out. That's a big difference.

• 40:55Speaker 03

  Personally, the way that I behaved with you, especially after we had our daughter, I, I'm surprised that you even thought that I had any interest. Seeing where I come from, seeing my background, seeing how loyal I was to you.

• 41:06Speaker 04

  So that's why the letdown was so much because I only started dating you because I knew you weren't that girl and then you became that girl.

• 41:11Speaker 03

  To get along with when we first got together, you were kind of controlling, you were kind of accusatory.

• 41:15Caleb Hammer?

  Like he's not now?

• 41:16Speaker 03

  And accusatory. I wasn't sure where it was gonna go.

• 41:18Speaker 04

  She says controlling, but she's a wild girl, bro.

• 41:21Speaker 03

  So I didn't stop people from contacting me.

• 41:22Caleb Hammer?

  Why would you get her to be a wild girl if you wanna have someone submissive?

• 41:24Speaker 03

  I wasn't any more wild than a girl in her twenties. I, I didn't sleep around, I wasn't getting pregnant left and right. I had people that I was attached to. I was an attractive young girl running around town that had a lake and bars on the lake. Like, I wasn't doing anything out of the ordinary, but you wanted me to be obsessed with you like all your other girls were, and I wasn't.

• 41:45Speaker 04

  No, I wanted her to be obsessed with me the way she was obsessed with her ex and that was not what was going on.

• 41:50Speaker 03

  I wasn't obsessed with him. I had a connection with him because there was, there was a lot of time spent together. I'm, I'm a monogamous person at heart. It was difficult for me to transition, but something about you was worth more to me.

• 42:03Caleb Hammer?

  Okay, so what did you do with the ex?

• 42:05Speaker 03

  Nothing. I did nothing with him.

• 42:07Speaker 04

  Why don't you tell Mr. Caleb how you got with that ex?

• 42:11Speaker 04

  Oh.

• 42:11Speaker 03

  So I had a boyfriend that, um-

• 42:14Speaker 04

  How long were you with him?

• 42:15Speaker 03

  We were with each other for like seven years.

• 42:17Speaker 04

  Okay.

• 42:17Speaker 03

  He went to jail for selling drugs. And it went for a long time and it was difficult for us.

• 42:23Speaker 04

  You've been in jail too, so.

• 42:24Speaker 03

  It was difficult for us to keep, you know, I was 24. Um, the connection fizzled.

• 42:31Speaker 04

  Well, he was in jail, yeah.

• 42:32Speaker 03

  And then, um, out of nowhere, a close friend of ours-

• 42:37Speaker 04

  Out of nowhere, their best friend, out of nowhere, he's hanging, he's been hanging around with them for seven years, every day.

• 42:41Speaker 03

  Was. And prior to that, there was never any connection or anything like that. After hanging out as friends and being around each other in a drinking environment, there became feelings involved. And then we developed a relationship.

• 42:54Caleb Hammer?

  I understand the way that makes you nervous.

• 42:55Speaker 03

  They were not there. They were not there until I was single and away from my ex.

• 43:00Speaker 04

  You can't say that. You can't say that.

• 43:01Caleb Hammer?

  I don't care about her previous relationship. I mean, it's someone who's not here, blah, blah, blah. But the thing is, I understand why it would make you concerned.

• 43:08Speaker 04

  Here, here's where my concern was. I knew, I knew how much-

• 43:10Caleb Hammer?

  But I know you did something. We have that. You kissed your ex while you guys were together.

• 43:15Speaker 03

  No, I, I didn't.

• 43:17Caleb Hammer?

  Yes, we have. And then you admitted, "I may as well have screwed him," is the direct quote you got to doing.

• 43:23Speaker 03

  When I left the Halloween party-

• 43:25Speaker 04

  She went home with him.

• 43:25Speaker 03

  I, and he-

• 43:27Caleb Hammer?

  You said you were extremely intoxicated and then you kissed him.

• 43:30Speaker 03

  I did not kiss him. He was, he was extremely intoxicated and couldn't even kiss me.

• 43:35Caleb Hammer?

  Kissing him and staying at his house but denies having sex.

• 43:38Speaker 03

  We fell asleep and then I woke up-

• 43:40Caleb Hammer?

  What is this misinformation?

• 43:40Speaker 03

  I woke up at six in the morning and drove to his house because I was so like, why did I even think that it was cool for me to continue on with this guy?

• 43:49Caleb Hammer?

  This is literally a direct note that we have from our casting producer.

• 43:53Speaker 03

  I did not kiss him or sleep with him.

• 43:56Caleb Hammer?

  Now I'm having a trust issue.

• 43:57Speaker 03

  I'm an adult. I don't care. I'll admit what it is.

• 44:00Speaker 04

  We're gonna put this out there that, since we're, since we're going down that road, since we, I didn't know we were gonna go this far down. The base of our problems in our relationship stems from that incident.

• 44:08Caleb Hammer?

  From kissing him?

• 44:09Speaker 04

  From, it was more than that. Listen, we started-

• 44:13Caleb Hammer?

  What was more than that? Tell me.

• 44:14Speaker 04

  She, she slept with him.

• 44:15Speaker 03

  No, I didn't.

• 44:16Speaker 04

  On Halloween, you didn't sleep with him?

• 44:18Speaker 03

  No, he passed out.

• 44:21Speaker 04

  This is, I don't believe it.

• 44:22Caleb Hammer?

  You're not even telling me the truth though.

• 44:24Speaker 03

  Can I tell you this? When, before him and I even got together, our relationship wasn't even that sexual anyway. We literally hung out and ate food in bed. It was, that's why-

• 44:31Speaker 04

  Because she was still sleeping with him?

• 44:32Speaker 03

  That was, no, not you, him. That's why it was so difficult to, like, remove myself from him because it was more of a emotional connection that way. It wasn't very sexual right before I got with- I wasn't, I wasn't addicted to him sexually.

• 44:47Speaker 04

  She denied it. She denied it for months first. She denied it for months and then she finally came clean.

• 44:53Speaker 03

  We never had sex. I told you, he passed out and you don't believe me to this day.

• 44:59Caleb Hammer?

  He said you told him you had sex.

• 45:00Speaker 03

  I did not.

• 45:02Caleb Hammer?

  Why do we disagree on that?

• 45:04Speaker 03

  I understand why you adamantly believe that because two adults drinking and having history?

• 45:09Speaker 04

  You could try to save face.

• 45:10Caleb Hammer?

  Marshall's saying you said you did. How are you saying, how are you saying?

• 45:14Speaker 04

  She told me, she told me.

• 45:15Caleb Hammer?

  She told you?

• 45:15Speaker 04

  She finally came out and told me.

• 45:16Caleb Hammer?

  She said that to your words.

• 45:18Speaker 03

  No, I told you, he, we passed out. He passed out. I was still awake. Then I drove to your house at six, seven in the morning.

• 45:26Speaker 04

  Does that even make sense, Mr. Hammer?

• 45:28Speaker 03

  Mr. Hammer?

• 45:30Caleb Hammer?

  I guess not.

• 45:32Speaker 04

  No, no.

• 45:33Speaker 03

  Okay, so, all right, all right, so then, all right, so does that make it okay?

• 45:37Speaker 04

  What are we talking about here?

• 45:38Speaker 03

  After I had the baby, I am telling the truth. The reason that he's going so hard on this is because after I had the baby, he was texting his ex-girlfriend that he, his soul will forever be for her.

• 45:47Caleb Hammer?

  You had your first kid?

• 45:48Speaker 03

  After I had my daughter, she was seven months old, he was texting his ex-girlfriend that his soul will forever be attached to her.

• 45:54Caleb Hammer?

  That is crazy though. You just had your first kid.

• 45:57Speaker 03

  You're doing this to me because you wanna justify-

• 45:59Speaker 04

  At the time, I wasn't sure if it was mine.

• 46:00Speaker 03

  You want to justify the deep betrayal that you did to me.

• 46:03Speaker 04

  No.

• 46:04Speaker 03

  Even if I did sleep with that guy, we were together for a [bleep] months and we barely hung out.

• 46:08Caleb Hammer?

  I agree. That is crazy. After the kid texting, that's crazy.

• 46:12Speaker 03

  And in order to justify his betrayal, then he's like, well, how do I know it's mine?

• 46:16Speaker 04

  No, I said that, I said that when she was pregnant as, just, just be, listen, don't, don't interrupt.

• 46:21Caleb Hammer?

  That's so crazy!

• 46:23Speaker 04

  When she was pregnant because I knew that, that Halloween night had happened, which we already passed. I said, hold on.

• 46:29Speaker 03

  Years later.

• 46:30Caleb Hammer?

  Years later!

• 46:31Speaker 04

  No, no.

• 46:32Caleb Hammer?

  Wait, it has to be, your kid's six.

• 46:34Speaker 03

  It was 2019. It was the end of 2020.

• 46:41Speaker 03

  She was a year old when you did that betrayal with your ex. She was, it was 2021. It was about to be, it was about to be Oc- it was October 3rd, the girl texted me everything you've ever said to her.

• 46:51Speaker 04

  Yeah, you're right. A hundred percent. But, listen to this first. You admitted to sleeping with your ex before we had the kid.

• 46:58Speaker 03

  I did not sleep with him.

• 47:00Speaker 04

  To the point where when I asked you, I was like, can we get a paternity test? You looked me in the eyes and you said, "How dare you [bleep]?" Wait, wait, you looked me in my eyes and you said, "How dare you [bleep] ask me that? If you ask me that again, you'll never see this kid whether it's yours or not."

• 47:10Speaker 03

  Because we were, I did not say that. We were living together.

• 47:14Speaker 04

  And since that, that moment, ruined, ruined a lot.

• 47:16Speaker 03

  And the guy was blocked off my phone. There was no connection.

• 47:18Speaker 04

  It doesn't matter. I had the right to ask. I had the right to ask.

• 47:21Speaker 03

  You had the right to ask and I said to you-

• 47:23Speaker 04

  And you refused. You said, "If you ask me that again, whether she's yours or not, you'll never see her again."

• 47:26Speaker 03

  Because look at how much time we spent together.

• 47:27Speaker 04

  And then after that, it doesn't matter. I wanna, I wanted to know. And for your response to be-

• 47:32Speaker 03

  It wasn't for the right reasons. It was to justify his own infidelities and his own-

• 47:37Speaker 04

  I haven't touched a woman since we've been together and she slept with her ex.

• 47:40Caleb Hammer?

  Now you're confessing love though.

• 47:41Speaker 03

  What you said to her was worse than doing that.

• 47:43Caleb Hammer?

  So that is the thing. For women, they're more concerned if someone loves someone else. Men are more concerned if they-

• 47:50Speaker 04

  You know what's worse is being with somebody and looking at a kid and being like, "I'm not 100% sure this kid is mine."

• 47:55Speaker 03

  How could you look at her and think that after seeing how identical she is to you?

• 47:59Caleb Hammer?

  Well, that's the thing is, he was bringing up-

• 48:02Speaker 03

  Here's the thing. I'll do a paternity test day at night. I don't care. I don't care.

• 48:06Caleb Hammer?

  He was bringing up the concern that he still has today, today.

• 48:08Speaker 04

  When you were pregnant.

• 48:10Caleb Hammer?

  So coordinated in the post-show to do some Caleb Mori and in the post-show, because it takes, you know, like a week to get.

• 48:15Speaker 03

  That's fine.

• 48:15Caleb Hammer?

  We were gonna do a paternity test.

• 48:17Speaker 03

  I'm, I'm confident to do so.

• 48:18Speaker 04

  This would be a lot easier if you just-

• 48:19Caleb Hammer?

  We will see.

• 48:20Speaker 04

  We're, we're, like, this was six years ago, so we're like past that, but I'm not past the fact that you're denying it. That's, that's the worst part.

• 48:26Speaker 03

  There was no contact for months when I got pregnant with my daughter. I was living with him. There's just literally, I, I won't even defend myself any further. I'll let the act, let the results speak for themselves.

• 48:37Speaker 04

  You, listen, Caleb.

• 48:40Speaker 04

  I won't forget the sound of the next morning after that night of her boots walking across the floor of my house and me being like, "Oh shit, she's in the same outfit from last night. She slept with her."

• 48:48Speaker 03

  Yeah, because I slept in it.

• 48:51Caleb Hammer?

  He's saying you literally admitted to [bleep] him.

• 48:54Speaker 03

  No, I didn't.

• 48:55Caleb Hammer?

  And he has that memory? No shit, he's questioning the paternity?

• 48:59Speaker 03

  That was a year before I had my daughter.

• 49:03Caleb Hammer?

  But you guys broke up and you only got back together when she was pregnant.

• 49:06Speaker 03

  No, we were together when I was pregnant.

• 49:08Caleb Hammer?

  We were not.

• 49:09Speaker 03

  We never broke up.

• 49:09Caleb Hammer?

  No, you got back together when-

• 49:11Speaker 03

  You said that, just to make drama.

• 49:12Speaker 04

  No, we were, we were working out.

• 49:14Speaker 03

  We did not break up and then I get pregnant.

• 49:16Caleb Hammer?

  Oh, you guys can't dis-

• 49:17Speaker 03

  During COVID, I was food shopping and it was April Fool's Day when we found out.

• 49:24Caleb Hammer?

  No.

• 49:25Speaker 03

  That's how in his head, he makes, he creates his own narrative to be right. He does it with everything.

• 49:30Caleb Hammer?

  What's the point? What's the point of him making that up?

• 49:32Speaker 03

  I'm not being louder and more aggressive. I'm being factual.

• 49:34Caleb Hammer?

  What would the point be of him to make that up? What would the point be for him to make that up to our production?

• 49:39Speaker 03

  To be right.

• 49:39Caleb Hammer?

  This is, this is.

• 49:40Speaker 03

  And to admit it.

• 49:41Caleb Hammer?

  Admit what?

• 49:42Speaker 03

  Because apparently I said it.

• 49:43Caleb Hammer?

  Why would he tell all of production that you confirmed?

• 49:47Speaker 03

  To begin with.

• 49:48Caleb Hammer?

  No, no, no, because that doesn't make any sense. You were already invited to be on the show. So when we were having the interview.

• 49:53Speaker 03

  It's real juicy, doesn't it?

• 49:54Caleb Hammer?

  No, when we were having the interview, he said, you admitted to [BLEEP]. And that you guys broke up and then got back together when he found out you were pregnant.

• 50:01Speaker 03

  No. Why don't you ask him about all the dating sites that he's been on?

• 50:04Caleb Hammer?

  Also, you are the one that said to production, to our casting, our story producers, that you kissed the man.

• 50:13Speaker 03

  I said, we didn't even kiss. He passed out drunk.

• 50:15Caleb Hammer?

  You said, we have the, also, we have the phone call.

• 50:17Speaker 03

  Okay, that's fine. Maybe they misheard me.

• 50:19Speaker 04

  She'll never, she'll never admit it. She'll just never admit it.

• 50:21Speaker 03

  I would admit it. I'm an adult and it was years ago. It just didn't happen. I didn't sleep with him. He was wasted drunk, passed out. I laid down and slept for a little and I felt honestly very guilty. I did think we were gonna sleep together. I did go there with the intention of being around him. But it didn't happen.

• 50:37Caleb Hammer?

  You see how this is starting to, keep going.

• 50:40Speaker 03

  I, it didn't happen. Call him.

• 50:44Caleb Hammer?

  Oh, he would lie and protect you, probably.

• 50:46Speaker 03

  Probably not.

• 50:47Caleb Hammer?

  I'll call him in the post. We'll do the paternity test in the post.

• 50:50Speaker 03

  There's no, there's no connection or anything.

• 50:54Speaker 00

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

• 51:18Speaker 03

  With him. I don't, we don't speak to him. That was the last time I saw him.

• 51:22Caleb Hammer?

  Not anymore.

• 51:23Speaker 03

  That was the last time I saw him.

• 51:24Caleb Hammer?

  Yeah, when he put a baby in you?

• 51:26Speaker 03

  No, he did. That was almost a year later that I got pregnant with her. We were together, living together.

• 51:32Caleb Hammer?

  What are your thoughts on all this, guy?

• 51:34Speaker 04

  Uh, after that Halloween thing, uh, we did break up. We were not dating anymore. Yes, we did still like talk and hang out once in a while. And then, uh, when we found out she was pregnant, uh, it turned out to be an ectopic pregnancy at first. So it was developing in her fallopian tube. So it was like a medical thing. So if, so the doctor had recommended like a medical abortion for her safety and all that. So she did, did that, but it didn't happen. The baby then went into the.

• 51:57Speaker 03

  She went into my uterus.

• 51:58Speaker 04

  And then developed into a beautiful, young, you know, baby girl.

• 52:00Speaker 03

  It wasn't enough of the medication.

• 52:02Speaker 04

  At the time, we were broken up. We were broken up.

• 52:05Caleb Hammer?

  How can you disagree with that?

• 52:06Speaker 03

  Okay, I guess that I didn't know we were broken up because we were with each other every single day and I was sleeping over and it was COVID.

• 52:11Speaker 04

  So, so, hold on. How were we not broken up when, um, at that point? But we weren't really dating to beginning, like you just said earlier.

• 52:17Speaker 03

  No, we were ve- we were very new, but we, after that happened and you taunted me and would not stop bringing it up and we agreed to be together to hang out.

• 52:27Speaker 04

  When it's convenient for her, we were kinda talking, but when it's convenient for me, we were not broken up.

• 52:32Speaker 03

  Right before I got pregnant, we were sleeping together a lot. We were be, we were together a lot.

• 52:38Speaker 04

  And according to what you just said 10 minutes ago, that wasn't dating, so.

• 52:41Speaker 03

  December and January. That's three months before I got pregnant. That, it was just me and you.

• 52:45Speaker 04

  From October on, we were not together.

• 52:47Speaker 03

  So we didn't see each other every day?

• 52:49Speaker 04

  Not every day, no.

• 52:51Speaker 03

  Then we are living in different worlds.

• 52:53Speaker 04

  From September 1st to October 30th, we were, we were dating pretty heavy. After that night, we fell off.

• 52:59Speaker 03

  So, you know what? Fine. Think what you want. Do the paternity test. Feel stupid on a podcast.

• 53:03Caleb Hammer?

  Call him.

• 53:04Speaker 04

  I just remember.

• 53:06Speaker 03

  Okay.

• 53:07Caleb Hammer?

  Here's the reality, and this is a direct quote to her from him, and I want to know how this makes you feel, Robin. He says, the first pregnancy is the only reason you guys stayed together.

• 53:17Speaker 04

  Cause we were broken up. That's, that's why I said that. It's because we were legit not dating.

• 53:21Speaker 03

  He was.

• 53:21Speaker 04

  She called me, I remember. She called me crying and saying, hi, I'm pregnant. And, and we, I was in my bed alone.

• 53:26Speaker 03

  I came from your house and I went to the, uh, urgent care because I thought I had the flu.

• 53:29Speaker 04

  Yeah, but you didn't. That's what I'm saying. I didn't, but we were still broken up because of what happened.

• 53:33Speaker 03

  I'll beg to differ because I didn't feel like we were broken up. We were, it was the same the whole time. We never, you won't even, you won't even claim the relationship because of what happened that started September 1st.

• 53:44Speaker 04

  Yeah, we had to change, we had to change our anniversary day because of that. So our anniversary was originally September 1st because that's when we started dating. And then in October that happened. So we changed our anniversary date to when we got engaged. So I don't even know exactly how long we've been together. It's, it's been since, we just call it early 2020 because that end of 2019 was just, we were both discussing messes.

• 54:04Speaker 03

  Clearly, we stayed together because of [BLEEP] and then a relationship developed, like, almost like a arranged marriage.

• 54:11Caleb Hammer?

  You guys are chaos. What do you think the financial score is in the household? Zero being the worst, 10 being the best?

• 54:17Speaker 04

  Zero.

• 54:19Speaker 03

  I mean, he says zero. I'll have to take his word for it. He, he shows me the budget and everything, but it changes every day. He'll say, we're not in such bad shape if we just do this. This, that, and the other thing. So I guess zero.

• 54:30Caleb Hammer?

  It doesn't change every day. It's not a budget.

• 54:31Speaker 03

  Every time he gets paid and does the budget, there's a little more or less and he'll be okay with life if it's a little more and we're poor and going to die if it's a little less.

• 54:42Speaker 04

  It's a little drastic.

• 54:44Speaker 03

  There's never any certainty.

• 54:45Caleb Hammer?

  If you want to figure out what your financial score is, make sure you take that Hammer financial score for free at CalebHammer.com. It just takes a few minutes. See where you stand in the world of money. See where you stand in each category as well. It is detailed. It is free and it just takes a few minutes. So go to CalebHammer.com. And if you don't want to be like a guest who ends up on the show, like how their budget's confusing and it makes no sense, yours shouldn't be. Download Dollar Wise. Take the free trial. See if it works for you. We're updating that every few weeks. Now there's incredible transaction splitting so you can make the perfect budget for you. So check out that Dollar Wise free trial at DollarWise.com. And most people take the annual version once they like it because it saves nearly 50% on your money. And you get the physical version of my 30-day meal plan signed by me mailed directly to you. And you get the digital version of the cookbook as well. So guys, check that out.

• 55:29Caleb Hammer?

  Go to DollarWise.com or just download it wherever it is. Check it out. All right, guys, I gotta, like, this stack is huge. So we gotta start going. And I know there's so much more to talk about with y'all, but why have an attorney? Why is there an attorney? You guys aren't married, so you're not getting divorced. What's going on? What do you owe $2,750?

• 55:48Speaker 03

  Let him answer that.

• 55:48Speaker 04

  I got, um, I got arrested in February.

• 55:51Caleb Hammer?

  That's the arrest thing. I heard you guys talking about that when I was coming back in the room. Why are you getting arrested? You have [BLEEP] kids.

• 55:57Speaker 04

  Uh, literally, I was just, I, you know, I have a cleaning company, so I go into businesses late at night. So I just pulled into a parking lot. Cop pulled up behind me, asked me if I was drinking or smoking. I said no. He asked me to do a chemical test. I said no, and he just arrested me.

• 56:09Caleb Hammer?

  Cool. But why do you owe attorney money?

• 56:11Speaker 04

  Cause I.

• 56:11Caleb Hammer?

  You should be good at that point.

• 56:13Speaker 04

  Cause I'm paying, I'm paying my attorney.

• 56:14Speaker 03

  Well, he has to go to court for it.

• 56:16Speaker 04

  It's still going on.

• 56:16Caleb Hammer?

  Why do you have to go to court? For what? What are they saying?

• 56:18Speaker 04

  So, so when you deny the chemical testing, um, DMV has to have a hearing in New York State automatically. It has nothing to do with the actual DUI itself. So the DUI is gonna get dismissed itself because it's nonsense. Um, but.

• 56:29Speaker 03

  The DMV can still suspend his license or take it away.

• 56:33Speaker 04

  If you, if you don't do chemical testing, if you don't let them take your blood or something.

• 56:36Caleb Hammer?

  Why? What did you let them?

• 56:37Speaker 04

  I just don't.

• 56:38Caleb Hammer?

  Why?

• 56:39Speaker 04

  Why? On principle.

• 56:40Caleb Hammer?

  I agree, but now you have to do all this.

• 56:42Speaker 04

  It's fine.

• 56:42Caleb Hammer?

  I mean, you live in the nanny state of New York.

• 56:44Speaker 04

  Yeah, well, the, cause, cause the, the, the thing was they either pulled me over and literally said, hey, give me your blood or you're getting arrested. Then you arrest me.

• 56:50Caleb Hammer?

  And now you have to deal with this.

• 56:51Speaker 04

  That's fine.

• 56:52Caleb Hammer?

  Which sucks. I mean, but you live in that place, so it's your fault. Um, is there a minimum monthly payment to him?

• 56:58Speaker 04

  Just when I can. He, he was my attorney.

• 57:00Caleb Hammer?

  Just one?

• 57:00Speaker 03

  He's been an attorney multiple times. He's kind of like a family friend.

• 57:04Speaker 04

  He was her first boyfriend.

• 57:04Caleb Hammer?

  Why are you getting arrested? How many times have you been arrested?

• 57:06Speaker 04

  My whole, me?

• 57:08Caleb Hammer?

  Yeah.

• 57:08Speaker 03

  His whole life or just?

• 57:10Caleb Hammer?

  10?

• 57:11Speaker 04

  10.

• 57:11Caleb Hammer?

  What was the most egregious?

• 57:14Speaker 04

  Felony possession of a weapon, felony sale of a weapon.

• 57:17Caleb Hammer?

  And you are gonna get hired as a teacher?

• 57:19Speaker 04

  Well, that was a.

• 57:20Speaker 03

  That was his business.

• 57:21Speaker 04

  Yeah, that was a clerical error. Uh, my, uh, I have a firearm, my federal firearms license as well.

• 57:26Caleb Hammer?

  Does he have a felony?

• 57:27Speaker 04

  No, no, no.

• 57:28Caleb Hammer?

  Okay.

• 57:29Speaker 04

  I've never been charged with a crime. I have a clean record. Every, every arrest has been either dismissed or.

• 57:32Caleb Hammer?

  What was the next most egregious?

• 57:35Speaker 04

  Uh, DWAI when I was like 19.

• 57:38Caleb Hammer?

  My goodness, guys. 10 arrests is insane. Most people don't get arrested. That, that's not a thing that happens. That is not a normal occurrence.

• 57:48Speaker 03

  Agreed.

• 57:48Caleb Hammer?

  You have 10.

• 57:49Speaker 04

  I mean, it is where we are, I guess. I don't know.

• 57:52Caleb Hammer?

  Yeah, why'd you choose to reproduce with that? That's crazy.

• 57:56Speaker 03

  I didn't know about the other eight.

• 57:58Speaker 04

  If it helps, if it helps, my, one of my goals is to be a lawyer.

• 58:01Caleb Hammer?

  Dude, pick a path. Comedian, teacher, lawyer, cleaner? This makes no sense. You're all over the place. The people that are all, all over the place like that get nowhere.

• 58:09Speaker 04

  Yeah, I agree.

• 58:10Caleb Hammer?

  You're never gonna get, yeah, you have kids to take care of. So you don't just get to be lawyer, teacher, cleaner, comedian. That doesn't make sense.

• 58:18Speaker 04

  I agree.

• 58:18Caleb Hammer?

  If that's your goal, go to law school. I don't know.

• 58:20Speaker 04

  I, so that's the thing. So I had already took my LSATs and I was applying to law school when I got arrested for the, for the gun business mix-up. So I had to stop my applications then.

• 58:28Caleb Hammer?

  That was sad.

• 58:29Speaker 04

  That, that was in what, 2021?

• 58:31Caleb Hammer?

  So what the [BLEEP] is wrong with you? It's been five years.

• 58:33Speaker 04

  That, that took a year and a half, almost two years to get.

• 58:35Caleb Hammer?

  It's been four years.

• 58:37Speaker 04

  And then just.

• 58:38Caleb Hammer?

  Three years. It's worse.

• 58:40Speaker 04

  Then I had to reapply and just figuring out how to pay for law school.

• 58:42Caleb Hammer?

  It's been three years. You can borrow. Yeah, so. That's how people pay for it.

• 58:48Speaker 04

  I'm applying again. I'm starting to apply again, yeah.

• 58:51Caleb Hammer?

  All right, I have it affirmed from you, and this is to Amazon, a 16% 12-month loan. What the [BLEEP] are we doing? This is crazy. What did you get from Amazon for $611.26?

• 59:03Speaker 04

  Oh, that was my daughter's bunk bed.

• 59:04Speaker 03

  Yeah.

• 59:05Caleb Hammer?

  Well, why are we financing a bed at 15.99%? There is 0% bed financing out there at furniture stores everywhere. 0%, you're getting it at 16%.

• 59:16Speaker 03

  I know we couldn't find the one that she has at the store.

• 59:18Caleb Hammer?

  Not the one she has. I don't care about the one she has.

• 59:20Speaker 03

  Why? Affirm it or not?

• 59:22Speaker 04

  So the house we moved in now is a, it's a little smaller than the house we were, uh, renting for six years. And we just needed more space. So the lofted bed helps give her more space underneath for toys and clothes and stuff.

• 59:34Caleb Hammer?

  Okay. Well, it's $110. So what's your monthly payment?

• 59:38Speaker 04

  Uh, that about, that's about to be paid off probably next month.

• 59:40Caleb Hammer?

  What's the minimum monthly?

• 59:41Speaker 03

  How much do you pay monthly?

• 59:42Caleb Hammer?

  That was my question.

• 59:43Speaker 04

  I think it was like 30 bucks, 20, 25 bucks.

• 59:45Caleb Hammer?

  It's about to be paid off next month. It's a few months away. But, okay.

• 59:51Caleb Hammer?

  Here's another one. You did only $138, which you borrowed at 16%. I don't understand the point.

• 59:57Speaker 03

  What was that one?

• 59:58Speaker 04

  The percentage is high.

• 59:59Caleb Hammer?

  This one just happened. This one, this was from

• 1:00:03Speaker 03

  Oh, that was the

• 1:00:04Caleb Hammer?

  Amazon 1183.

• 1:00:06Speaker 04

  That was a doggie.

• 1:00:07Caleb Hammer?

  Why are we doing dog gates at 16% interest, though?

• 1:00:11Speaker 04

  60% is high, but the, the actual charge is only like actually 12 bucks or something, 16 bucks.

• 1:00:15Caleb Hammer?

  Yes, but that all stacks up. You see how big this paperwork?

• 1:00:18Speaker 04

  Yeah.

• 1:00:18Caleb Hammer?

  It all stacks up substantially. Hey, why do you think you're in debt? Cause you can't manage that shit, dude. At all. What?

• 1:00:26Speaker 04

  No, no, you're right.

• 1:00:28Caleb Hammer?

  For your entire family. Now you can't give her money for groceries.

• 1:00:32Speaker 04

  Or eating out, but we still do that.

• 1:00:34Speaker 03

  Eating out has been a, I'm sure you're gonna get to that.

• 1:00:37Speaker 04

  Yeah.

• 1:00:37Speaker 03

  The worst one.

• 1:00:38Caleb Hammer?

  What's your minimum payment on this? Glad we eat out and we can't even afford groceries.

• 1:00:42Speaker 04

  I think that's only like 12 bucks.

• 1:00:44Caleb Hammer?

  Yeah, that's gonna take forever. That's a year to pay off, like 11 from now now, 11 months. And you did it again. Yeah, but this one was Meta. What did you borrow? $443.54 from Meta?

• 1:00:55Speaker 03

  That I don't know.

• 1:00:56Speaker 04

  That was for the Meta glasses.

• 1:00:58Caleb Hammer?

  So, and you're not even wearing them. This is so stupid.

• 1:01:01Speaker 04

  I do wear them. Here's the reason I got those, actually. It, I actually talked to her about it, cause when we're out with the kids and doing stuff, we wanna like capture moments and it was like real awkward to like stop and take out the phone. So to just be like riding my bike with my daughter or being out fishing and just

• 1:01:15Caleb Hammer?

  It's nice, but you prioritize that over groceries when she can't even get money for a single hobby.

• 1:01:19Speaker 04

  Yeah.

• 1:01:20Caleb Hammer?

  That's what she begs for. And you're getting Meta glasses.

• 1:01:23Speaker 04

  Well, do

• 1:01:24Caleb Hammer?

  On loans.

• 1:01:25Speaker 04

  Do a hobby that doesn't cost anything, like fishing and riding bikes.

• 1:01:27Caleb Hammer?

  Okay, except you can spend all the money in your hobbies.

• 1:01:29Speaker 03

  My hobby doesn't cost that much either.

• 1:01:31Caleb Hammer?

  It just did, asshole. It literally just did. What are you talking about? You're financing everything. What's the minimum on that?

• 1:01:37Speaker 03

  And I want that just a month.

• 1:01:38Speaker 04

  I think that's like 27.

• 1:01:40Caleb Hammer?

  Okay, and that you still owe 18063.

• 1:01:46Caleb Hammer?

  Okay, so all I wanna know is we're going, I mean, you guys obviously fight like crazy.

• 1:01:53Caleb Hammer?

  But my concern is, I mean, especially with people like you that get so heated up there in New York. Does it ever get physical?

• 1:01:59Speaker 04

  With us?

• 1:02:00Speaker 03

  Not between us, but there was a few times that he had called his mom over to come into his defense and um, she would get between my daughter and I and we have gotten into physical.

• 1:02:13Caleb Hammer?

  Why would she do that? What is she doing?

• 1:02:14Speaker 03

  I would be trying to leave with my daughter to be out of the situation and she would hold

• 1:02:19Caleb Hammer?

  Call your mom to come over when you two are fighting. Now, you're not physical fighting each other, but when you guys are verbally fighting, you call your mom?

• 1:02:26Speaker 03

  We used to in the past a lot.

• 1:02:27Speaker 04

  Well, she lives right down the road.

• 1:02:29Caleb Hammer?

  Why are you calling your mom?

• 1:02:30Speaker 04

  Well, what am I, well, she wouldn't let me leave and I wouldn't, didn't want the cops there.

• 1:02:33Speaker 03

  A lot of the times I would, at that point, I was letting you leave, but then you would just go off into your tangent and call your mom anyway to have somebody back you up. And, you know, because she was trying to defend her son, she would blindly come in and there was a time that she was picking up my daughter. And I went to take my daughter from her and she didn't give me my daughter, so we got into it physically.

• 1:02:56Caleb Hammer?

  What, what happened?

• 1:02:57Speaker 03

  Um, we were by the door of the car. I was trying to put my daughter in the car and she used her body to block me, so we just

• 1:03:04Caleb Hammer?

  Why was she doing that?

• 1:03:07Speaker 03

  Because he told her to.

• 1:03:09Speaker 04

  No, I didn't tell her to. My mom's just

• 1:03:11Caleb Hammer?

  Why take the kid?

• 1:03:11Speaker 04

  She's just

• 1:03:12Speaker 03

  I was just trying to leave and I wasn't gonna leave my young child with him.

• 1:03:15Caleb Hammer?

  Why was she trying to take the kid?

• 1:03:16Speaker 03

  To, because he told me not to take my daughter.

• 1:03:19Caleb Hammer?

  Why?

• 1:03:20Speaker 03

  But I wanted to. I think, I think he just

• 1:03:23Speaker 04

  Leave her at the house.

• 1:03:24Speaker 03

  There, he like knows what bugs me.

• 1:03:25Speaker 04

  The person that's leaving to separate themselves from the fight or the angry shouldn't take the kid.

• 1:03:29Speaker 03

  Yeah, but she was young at the time and I'm not gonna leave her with her dad who's pissed at her mom. I, I was just taking her because she was a young baby and we, we spend majority of our time together. So I wasn't trying to take her from you. I was just trying to take her with me.

• 1:03:41Caleb Hammer?

  So what did you and the mom do?

• 1:03:43Speaker 03

  We like wrestled by the door.

• 1:03:44Caleb Hammer?

  Like what? Like wrestle? Like, can you carry?

• 1:03:46Speaker 03

  No, like, you know, wrestled to, for me to get in the car and put my daughter

• 1:03:50Caleb Hammer?

  Saying and that's, the kids are there and like, come on, this can't be the household we're in. Why are you calling backup from mom? What the, you're such a pussy.

• 1:03:57Speaker 03

  Had he never called her, it would have been fine, but because I had, you know, I'm not gonna let somebody take my kid from me.

• 1:04:02Caleb Hammer?

  No.

• 1:04:03Speaker 04

  What am I supposed to do when she's all going crazy on me and I'm not, literally not letting her?

• 1:04:07Speaker 03

  I was giving him back the energy he gave me.

• 1:04:10Speaker 04

  Those are the times where she would refuse to let me physically leave. She would stop me from physically leaving.

• 1:04:15Speaker 03

  Why would I do that when she's doing this? Okay, what did you do to get me there? Because I don't just start off being a bitch.

• 1:04:20Speaker 04

  When we, when we were first

• 1:04:21Speaker 03

  It takes a lot to get me there.

• 1:04:22Speaker 04

  You pretty much did this episode. You pretty much came swinging right out the bat.

• 1:04:27Speaker 03

  Well, there's accusations and things being said that

• 1:04:29Speaker 04

  Nah, that was, that was before that. Before any of that, you started with the, with the attitude and, and aggressiveness and it's like that's how

• 1:04:35Speaker 03

  I don't know how aggressive everybody else thinks that I am. I mean, maybe you're just sensitive.

• 1:04:39Speaker 04

  No, you're aggressive. You're aggressive and it's rough.

• 1:04:41Caleb Hammer?

  Are you not?

• 1:04:42Speaker 03

  Well

• 1:04:43Speaker 04

  Not right off the bat, all the time, 24/7?

• 1:04:45Speaker 03

  It is. He, you are. You start off

• 1:04:48Speaker 04

  Your baseline is here.

• 1:04:50Speaker 03

  Sometimes you'll even say, if you don't agree with me right now, I'm leaving. I can't be with you. Like, okay, so if I don't agree with what you're saying right now, you're going to leave?

• 1:04:57Speaker 04

  Yeah, ye- yeah, that's better than beating the shit out of you like you try to act like.

• 1:05:03Speaker 03

  I'm not saying you beat the shit out of me and I certainly don't beat the shit out of you.

• 1:05:07Speaker 04

  But you want to.

• 1:05:09Speaker 03

  There are times with the things that you say that I would love to, but I wouldn't ever do that to another human being.

• 1:05:15Caleb Hammer?

  It's good that you don't, but you beat the shit out of his mom.

• 1:05:19Speaker 03

  It was over my daughter, so.

• 1:05:21Caleb Hammer?

  How do you guys communicate on this finance, by the way? Cause again, right now, none of these debts are hers. We just went through one, two, three, four. All you.

• 1:05:31Caleb Hammer?

  How do you guys communicate about this at all? Do you have any insight into this?

• 1:05:33Speaker 03

  He goes over the budget with me all the time.

• 1:05:35Speaker 04

  I've tried, I've tried to get more opinion from her, but she just either says, hey, whatever you want, or, or

• 1:05:41Caleb Hammer?

  I thought you were just complaining about that. Why are you just giving, doing the whatever you want then?

• 1:05:45Speaker 03

  Well, because when he asks me what to do, what to pay, what to, I'll say, get rid of a car.

• 1:05:50Speaker 04

  Everything's been done with her consideration.

• 1:05:52Speaker 03

  Yeah.

• 1:05:52Speaker 04

  I'll tell you that much.

• 1:05:53Speaker 03

  I don't make the money and I don't delegate the bills.

• 1:05:56Caleb Hammer?

  Why are you complaining?

• 1:05:57Speaker 03

  I'm, I'm not complaining. He's fine to make the choices.

• 1:06:00Caleb Hammer?

  You literally were in the first 20 minutes.

• 1:06:02Speaker 03

  The only thing I would have to say about the finances is if there's that much coming in and this much coming out and he's spending whatever on Meta glasses, it would be nice for me to have at least 400 a month in my account for groceries, diapers and gas.

• 1:06:13Speaker 04

  I took her to Greece.

• 1:06:15Speaker 03

  Years ago.

• 1:06:16Speaker 04

  That, like, she gets stuff. She does things that she says she wants to do.

• 1:06:20Speaker 03

  I'm not saying that I'm an invalid. I'm just saying that it sucks sometimes to text to ask for gas and diapers. I'm an adult woman.

• 1:06:27Speaker 04

  Yeah, but how about how many times you ask for money from McDonald's and I send that, you know, don't, don't spend it on the McDonald's. Save it.

• 1:06:33Caleb Hammer?

  I'm confused. Why, why are we running it like this? Why is it not, everything goes into one account and you both have access to the one account?

• 1:06:40Speaker 03

  We used to have a joint account.

• 1:06:40Speaker 04

  And she'll just spend it on everything.

• 1:06:42Speaker 03

  No, I won't. No, I won't.

• 1:06:44Speaker 04

  Tried it one time.

• 1:06:45Speaker 03

  Back when you were making lots of money.

• 1:06:47Speaker 04

  Yeah, and every time I put money in it, she would spend it and then ask for more and then I would be, like, yeah, I would say, yeah, yeah, but then the first couple of times I'd have to say no.

• 1:06:55Speaker 03

  He never once expressed to me that there was a, a problem with the budget. Only now.

• 1:06:58Caleb Hammer?

  Communicate, cause it's the reality is.

• 1:07:00Speaker 03

  Only now does he say, oh, you did that back then. Well

• 1:07:03Caleb Hammer?

  Yeah, you base it all back, but you didn't stand up then? You base everything on then?

• 1:07:07Speaker 03

  That happened then, now.

• 1:07:09Speaker 04

  Yeah, I, I say no a lot, but to say no, oh, then?

• 1:07:12Caleb Hammer?

  Then, what are you saying? You're spending too much?

• 1:07:14Speaker 03

  No.

• 1:07:15Speaker 04

  No, cause

• 1:07:15Caleb Hammer?

  Then how can you base what you might do today based on that?

• 1:07:19Speaker 03

  I think it bothers him now because he makes less.

• 1:07:20Speaker 04

  You gotta understand things change.

• 1:07:21Speaker 03

  But I, I do, but you have to understand that I still need the basic necessities for the kids.

• 1:07:26Speaker 04

  We have the basic necessities all the time.

• 1:07:28Speaker 03

  Right, but I shouldn't have to ask you for a measly gas and this and that. That should just be in my account. You should trust me not to spend $400 in one day.

• 1:07:36Speaker 04

  It's this simple. When the person who's working controls all the money and the person who's staying at home taking care of the, the house, needs to buy something for the house, it's logically that you have to ask the person who's making the money, hey, I need this much money to buy this.

• 1:07:46Speaker 03

  That's what I'm doing today, but the money should be in my account too. I should have money for gas to go to the store and buy diapers.

• 1:07:51Caleb Hammer?

  I agree. Listen, it's weird to judge her for something she didn't even know she was doing wrong, cause you wouldn't speak up for it. And she knows the situation's different now. How much was being made?

• 1:08:01Speaker 03

  And now I'll adjust.

• 1:08:02Caleb Hammer?

  How much was being made?

• 1:08:03Speaker 04

  Anywhere from 12 to 25,000 a month?

• 1:08:06Caleb Hammer?

  How, that's crazy. That's crazy, the downfall you've had. How is it even close to fair? To judge her based on that, when you didn't say, stand up and say that you're spending too much?

• 1:08:16Speaker 03

  And now that you've said it to me, I would absolutely, that's why I'm only saying 400 should cover gas, groceries and diapers till the next month.

• 1:08:22Speaker 04

  All the time to stuff.

• 1:08:23Caleb Hammer?

  Yeah, but

• 1:08:24Speaker 03

  You do say no and I say okay.

• 1:08:26Caleb Hammer?

  If everything's in one account and you guys collaborate on the budget, you guys can do it as a team. Instead of you being like, this is what we're doing and I'll send you a little bit of money here and there. Do you wanna do this as a team or you as the dictator?

• 1:08:37Speaker 04

  If that's what you wanna do, fine. Well, we'll figure out how much money we need for groceries and the main, the main stuff. I'll put it in account and that's, but when that's gone, you can't come and ask.

• 1:08:44Speaker 03

  And I'm fine with that because I'm not trying to be excessive.

• 1:08:46Caleb Hammer?

  That's what she's been asking for though.

• 1:08:48Speaker 04

  Every single time.

• 1:08:49Speaker 03

  I just want to be able to use it without asking first and waiting for you to send it over.

• 1:08:53Speaker 04

  Like say, if I'm at work and she's like, hey, I'm going out to lunch with my sister. I'm going to grab this. She'll ask for some money. I'll send it. She'll be like, oh, send me a hundred bucks. I'll send her a hundred bucks. Then literally 20 minutes later, I'll get a text, hey, can you send 20 more? Cause I have, it's always, there's always one more. There's always one more.

• 1:09:06Caleb Hammer?

  Why shouldn't it be you sending though? Why can't she just have the card, know what she's allowed to spend on, based on the budget? You both agreed to together.

• 1:09:14Speaker 04

  Because then she would still spend it on probably not that. I've seen it. I've seen

• 1:09:18Caleb Hammer?

  You see it based on something she didn't know was wrong, though.

• 1:09:20Speaker 03

  I run it by you all the time because I don't wanna make things more difficult for you and I'm not gonna be stupid and spend money we don't have.

• 1:09:27Speaker 04

  What's making things difficult is always asking for something and me always saying no.

• 1:09:31Speaker 03

  I just see that you do things and I'm like, all right, let me see if I

• 1:09:34Speaker 04

  Like, you think if I said no to eating out yesterday, it's yes today? That makes no sense.

• 1:09:39Caleb Hammer?

  Yeah, and this doesn't make any sense because again, the note that we, I had from you that I opened up with was you call her a selfish bitch. How is she selfish? Where's the selfish? So far, I'm not seeing her being selfish.

• 1:09:51Speaker 04

  First of all, asking, you haven't even mentioned once our overall bills. You, all you've said on the show so far is, oh, I want this much to spend. It's like, well, what if we don't got it?

• 1:09:59Speaker 03

  That's what I said to him in the beginning. I, he tells me that

• 1:10:08Caleb Hammer?

  But just her saying her car, like that's just how people talk. I don't know.

• 1:10:12Speaker 03

  Yeah, I'm not possessing it. I'm just saying.

• 1:10:15Speaker 00

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

• 1:10:40Speaker 04

  This is what I use. This is what you use. This is our house. This is our car. This is, this is our-

• 1:10:45Speaker 03

  I know that.

• 1:10:46Speaker 04

  Huh?

• 1:10:47Caleb Hammer?

  Does she call it her house?

• 1:10:48Speaker 03

  I call it the house.

• 1:10:49Speaker 04

  Our house.

• 1:10:49Speaker 03

  I say the.

• 1:10:50Caleb Hammer?

  Our house?

• 1:10:50Speaker 04

  Yeah, our house.

• 1:10:51Caleb Hammer?

  This is selfish. You're saying our house?

• 1:10:55Speaker 03

  I don't even think of anything as just mine.

• 1:10:57Caleb Hammer?

  She says my car, our house. That's not selfish. Does she call it her kids or your kids?

• 1:11:02Speaker 03

  The kids.

• 1:11:03Caleb Hammer?

  The kids, our kids, or her kids?

• 1:11:05Speaker 04

  Depends.

• 1:11:06Speaker 03

  I don't think I've ever just said that they're my kids, unless I'm talking to him about talking to someone else.

• 1:11:10Caleb Hammer?

  What the [__] are we doing? She's not using selfish language.

• 1:11:13Speaker 03

  Maybe he just feels that I'm selfish because it's difficult for him to provide the way that he-

• 1:11:22Speaker 04

  I pay. It's not saying my car-

• 1:11:25Caleb Hammer?

  Okay, let me get into the spending.

• 1:11:26Speaker 03

  But I have to buy birthday gifts for people and you don't always give me money.

• 1:11:29Speaker 04

  You don't have to buy birthday gifts for people when we don't have money.

• 1:11:32Speaker 03

  My niece and my goddaughter-

• 1:11:33Speaker 04

  She has like a 50-person family and we have to buy gifts all the time. That's what I say.

• 1:11:37Speaker 03

  I don't get everyone gifts. That's why I go to Five Below in the dollar store.

• 1:11:40Speaker 04

  We get everybody a $10 gift.

• 1:11:40Speaker 03

  I don't get crazy gifts.

• 1:11:42Speaker 04

  150 people a month is [__] a lot of [__] money for gifts.

• 1:11:45Speaker 03

  But that's the only debt I have.

• 1:11:48Caleb Hammer?

  What is cheap aware?

• 1:11:50Speaker 04

  Oh, that was to get my babysitter down here.

• 1:11:52Caleb Hammer?

  Very good. What's the, the black guy?

• 1:11:55Speaker 04

  Uh huh.

• 1:11:56Caleb Hammer?

  I wondered why there was someone in the office that's not a normal, like, we have Mexican minorities down here.

• 1:12:02Speaker 04

  I was fine with your guy's babysitter, but she refuses to let anybody that we don't know watch the kids.

• 1:12:08Speaker 03

  I didn't know if my child would be comfortable with a stranger that he'd never seen before.

• 1:12:11Caleb Hammer?

  Because of your babysitter that distracted me from the comedy set because the dude just walked away.

• 1:12:16Speaker 03

  Yeah.

• 1:12:17Caleb Hammer?

  Our babysitter stay with the kids. Devin had to go chase him down.

• 1:12:21Speaker 03

  Well, I went in there and my son should be sleeping now.

• 1:12:23Caleb Hammer?

  Yeah, great. I'm glad you paid for that when we provide the-

• 1:12:27Speaker 04

  We don't charge our guests for the babysitters, right? We pay for them. What the [__] are you doing?

• 1:12:30Caleb Hammer?

  What are you doing? You can't even, and you brought your-

• 1:12:31Speaker 03

  We were supposed to have his mother come down with us and watch them in the hotel room.

• 1:12:35Speaker 04

  After you guys invited us, I confirmed with my mom she was gonna take the drive down with us. And then last minute, she-

• 1:12:41Caleb Hammer?

  Still, we would have done it. Would we not have done it? We would have done it. So what is that on a monthly basis?

• 1:12:48Speaker 04

  That's, I think that's like 50 bucks.

• 1:12:50Caleb Hammer?

  But that's all their worth to you. Okay, and here's the matter thing. We already had that. Okay, tire rack. Great.

• 1:12:57Speaker 04

  Yeah, that was tires for the car that I don't even-

• 1:12:59Caleb Hammer?

  Oh, interesting. Okay, that is $228.69 and that's $20.82 a month. He finances everything in his life.

• 1:13:11Speaker 04

  The last year or so I have, yeah.

• 1:13:13Caleb Hammer?

  Advanced auto parts.

• 1:13:14Speaker 03

  That's brakes and rotors.

• 1:13:16Caleb Hammer?

  Uh huh. That is $27.13 a month. This shit is stacking up, dude. And no shit, we can't pay bills. You can't give her money because you financed everything and now your minimum payments are beyond expanded. You don't have money on a monthly basis at all. Here's credit one. You have a credit one. That's like the worst credit card you can get. That's like horrible. That's how you know. We have a credit card finder and matcher on our website for credit card people only. Not for these people, not yet. But we, like, it would have been this. You would get a lot of options. So you can choose a good one. $1,756.60 basically at a max. How much insight do you have into how much debt there is?

• 1:13:55Speaker 03

  Um, I see the budget and the invoices that he sends out, but I don't see-

• 1:13:59Speaker 04

  You don't know the actual debt?

• 1:14:00Speaker 03

  I don't see the credit card, um, like statements.

• 1:14:03Caleb Hammer?

  $88 a month, credit protection fee, interest, and Amazon free time. I've never even heard of that.

• 1:14:10Speaker 04

  I don't even know what that is.

• 1:14:11Caleb Hammer?

  Well, guess what? You're paying for it. $6.47 while interest and fees are accruing. Oh, you have another credit one. Why not? Yeah, sure. May as well get more.

• 1:14:25Caleb Hammer?

  $1,243.81 with a minimum monthly payment of $63. Vending machine. He's putting this [__] vending machine out. You're bitching at her for spending money on gifts for her kids from Five Below, but you go get a vending machine shit on here while you're also getting fees and interest. Hundreds of dollars lost this year. Put these together. You're almost at $1,000 losses here so far already. Already. Already, actually just as of like a month ago. Okay? Because guess what? We have another credit one. Why not? And even more fun, this one's completely at its limit. $1,506.79. Annual fee, credit protection, interest rate accruing. This is $76 a month. Come on. What are we doing here? This is insane.

• 1:15:10Caleb Hammer?

  Capital One, Quicksilver, you, it's all [__] you so far. We're on 1, 2, 3, 4, 5, 6, 7, 8, 9, 10. This is 11. This, how can you bitch and moan about her when you're the one accruing all the debt? $2,564.18.

• 1:15:27Speaker 04

  Because I was the only one who had credit to even get any debt on my name.

• 1:15:30Caleb Hammer?

  She could open a credit card. It's gonna be great.

• 1:15:32Speaker 04

  She couldn't.

• 1:15:33Caleb Hammer?

  She could open a credit one, just like you did.

• 1:15:35Speaker 04

  Well, she has some that are-

• 1:15:37Speaker 03

  I sent you the-

• 1:15:38Caleb Hammer?

  You purchased $1,242.48 on here when you can only make the minimum payment, can't pay off the card, and interest is accruing. Why the [__] possibly why?

• 1:15:46Speaker 03

  When you weren't getting paid by your-

• 1:15:50Caleb Hammer?

  No, why are you spending money on here?

• 1:15:51Speaker 04

  So all my credit cards were paid off after we bought the house.

• 1:15:55Caleb Hammer?

  Okay, here's living off of it. Here's living off of it. Him going in the gas station, getting some bullshit, getting some bullshit, getting some bullshit. McDonald's, McDonald's, Family Dollar, Family Dollar, China City, going in the gas station, getting some bullshit. He got gas, but he also went inside, got some bullshit. He got, I think that's Instacart. He went in the gas station, got some bullshit. Winning got some bullshit, got some bullshit, got some bullshit. Winning got some bullshit. Dunkin' Donuts, Five Guys, expensive food, by the way. Winning got some bullshit, vending machine, drink, and dispensary. That's we needed to survive? Hey, when we lose our job, we cut back to whatever income we have.

• 1:16:26Speaker 03

  Groceries with them. I don't, when he leaves the house, I don't know what he does.

• 1:16:31Caleb Hammer?

  What are you doing? What are you getting?

• 1:16:32Speaker 04

  Well, I work, when I'm working a lot, I gotta get drinks and stuff.

• 1:16:35Caleb Hammer?

  No, buy in bulk. What drinks are you getting?

• 1:16:37Speaker 04

  Just, I just drink a lot of water.

• 1:16:38Caleb Hammer?

  Buy it in bulk, you [__]. Put it in a jug. I carry around with me a jug this size.

• 1:16:44Speaker 04

  I do. I have a big Yeti cup, but I drive-

• 1:16:46Caleb Hammer?

  What are you doing then?

• 1:16:47Speaker 04

  I drive around a lot. I drive around a lot.

• 1:16:48Caleb Hammer?

  It's all bullshit.

• 1:16:49Speaker 03

  A lot of it is bullshit, but-

• 1:16:51Caleb Hammer?

  It's bullshit.

• 1:16:52Speaker 04

  Most of it's probably bullshit.

• 1:16:53Caleb Hammer?

  Venture one. Oh, he spent money on a card that he can't pay off. Who would have thought? $2,864.32. Minimum monthly payment, $98.

• 1:17:07Caleb Hammer?

  Hut, DoorDash, Shashpass, and Hulu, and going inside and getting some bullshit in the gas station. Wow, the critical necessity for life. Finally, one from you, and it's past due.

• 1:17:17Speaker 03

  Yeah.

• 1:17:17Caleb Hammer?

  Are you responsible for paying on this or is he? How does this work?

• 1:17:21Speaker 03

  It was paid in half. He, I had to split $120 between all the cards.

• 1:17:26Caleb Hammer?

  So you send her minimum monthly payments and then she does it? Is that what we do it?

• 1:17:29Speaker 04

  I usually pay-

• 1:17:30Caleb Hammer?

  It's over the limit.

• 1:17:31Speaker 04

  I mean, I pay all her credit cards because I've-

• 1:17:32Caleb Hammer?

  So why the [__] is this past due?

• 1:17:34Speaker 03

  So that one, I didn't have enough of the money that he sent me to pay the full thing.

• 1:17:38Caleb Hammer?

  He pays it, he said, though.

• 1:17:39Speaker 03

  Yeah, so when he-

• 1:17:40Speaker 04

  She'll tell me how much to send her and I send it to her.

• 1:17:41Speaker 03

  He sent me $120.

• 1:17:42Caleb Hammer?

  It's $25 a month.

• 1:17:43Speaker 04

  She'll tell me what to send and I send it.

• 1:17:45Speaker 03

  So we were late one month and then, um-

• 1:17:47Caleb Hammer?

  Yeah, you're late a couple.

• 1:17:48Speaker 03

  I got charged a late fee.

• 1:17:49Caleb Hammer?

  Not only that, but you're over the [__] limit.

• 1:17:51Speaker 03

  Yeah, so I had to-

• 1:17:53Caleb Hammer?

  And you're purchasing at the same time. StubHub, we're getting [__] tickets. We're going to get some bullshit. We're going to Seven Brew or whatever.

• 1:17:58Speaker 03

  He purchased that on my card.

• 1:18:00Caleb Hammer?

  See, what, you're purchasing on her card, pushing over the limit, then not giving her enough money to pay it off. What the [__] are we doing?

• 1:18:05Speaker 03

  I knew he didn't have a lot in his account, so I stretched.

• 1:18:09Speaker 04

  But why are these like all late if I give you the money?

• 1:18:11Speaker 03

  I stretched $120 across all the cards.

• 1:18:13Caleb Hammer?

  Dunkin' Donuts and McDonald's as well. Sure, why not?

• 1:18:15Speaker 03

  Because you told me you didn't have a lot of money in the account.

• 1:18:18Speaker 04

  Yeah, but tell me how much the minimum is and I'll send it to you.

• 1:18:20Speaker 03

  Well, I honestly was afraid to because you act like you don't have the money and I was like, okay. It said I could pay half now and half on October 21st, so I did.

• 1:18:29Speaker 04

  You can't complain about me not sending you enough money, but then you don't tell me how much money you needed to send.

• 1:18:32Speaker 03

  If I had 400 in my account for that month, it would have been paid off.

• 1:18:36Speaker 04

  No, that's not. You wanted to use it on that.

• 1:18:38Caleb Hammer?

  Even still, all these credit cards are bullshit.

• 1:18:40Speaker 03

  When you only have $100 in your account and I need 120, what do you think that, I don't know what to do. I have to make it stretch. I have to pay half now, half later.

• 1:18:50Caleb Hammer?

  And then guess what? Milestone. Yes, it's paid, but it's at its limit. $30 a month. You owe $469.3. Nothing mattered here. You went outside with some bullshit. No, use it for going in the store and getting some bullshit. Marshalls, Five Below, and Starbucks. And Starbucks. It's all bullshit. This isn't worth keeping alive till we get paid. And it didn't end there. Dunkin' Donuts as well. Lots of fees, lots of interest.

• 1:19:15Speaker 03

  Meta glasses and all that, so sorry I got a $7 [__].

• 1:19:18Caleb Hammer?

  But we can't say we're using this credit card to stretch to the next paycheck when it's all spent on bullshit. None of it's necessary. That's not stretching for paycheck. That's [__] you. Come on. What is this? It's like W card or something?

• 1:19:30Speaker 03

  I don't even know what that is.

• 1:19:32Speaker 04

  Oh, that's Westlake, I think. Yeah.

• 1:19:33Caleb Hammer?

  Sure. $2,035.26 minimum payment, $230.8. That's [__] crazy. Oh, wait, probably because there's late fees because I see a fee, interest, no payment, you're above the limit, and you're past due 97. So it's normally 97. [__] sake, you gotta catch up. This is so stupid. That's about to go to collections. Just destroy any kind of credit you had left at 31.74% interest rate.

• 1:19:59Caleb Hammer?

  You and your mom were on the mortgage?

• 1:20:00Speaker 04

  Yeah.

• 1:20:01Caleb Hammer?

  Your mom?

• 1:20:02Speaker 04

  My mom.

• 1:20:02Caleb Hammer?

  Get off, stop being this

• 1:20:04Speaker 03

  It wasn't even supposed to be like that.

• 1:20:06Speaker 04

  This is what happened. I'll tell you what happened.

• 1:20:07Caleb Hammer?

  Yeah, what happened?

• 1:20:08Speaker 04

  So when we decided to start saving up and buying for our house, we were gonna stay in our house that we were renting for one year. Then my mother came to us and, you know, gave us the sob story. She's getting older. She lives in an apartment by herself. She doesn't want to be alone anymore. So I said, okay, mom, well, we're gonna buy a house soon. So why don't you move in with us? We'll get ahead of time. We'll buy a house that fits all of us. We were good with that.

• 1:20:29Speaker 03

  I was good with that, yeah.

• 1:20:30Speaker 04

  So, so we, so me and her were saving up for a year. So we were six months into saving up. And when my mom decided to, to buy the house with us, she said, okay, I'll put down the half down payment and that way you don't have to wait a year. So I, you know, so we moved up our timeline from a year to six months. So we only had half the money we technically had.

• 1:20:45Speaker 03

  Housing markets.

• 1:20:46Speaker 04

  So we, me, me and my, my mom, we applied for the mortgage together. We got approved.

• 1:20:49Caleb Hammer?

  I would refinance her to get her off. Here's the thing.

• 1:20:52Speaker 03

  We were trying to do.

• 1:20:53Caleb Hammer?

  If rates go to about four, because I wouldn't refinance until it's at least four and a half for you. Because you're at six and a half.

• 1:20:58Speaker 04

  So halfway through looking at houses with my mom, getting ready to find a house that we'd all fit, she backed out. She backed out. She said, I'm not gonna live with you. So then I said, well, mom, I already told my landlord that I'm living with now that I have, I'm leaving. So I had, I had to, I only had a certain amount of time to leave.

• 1:21:13Caleb Hammer?

  So she went on the loan.

• 1:21:14Speaker 04

  So she went on the loan.

• 1:21:14Speaker 03

  Yeah, so that was the only thing she could do.

• 1:21:16Caleb Hammer?

  $222,393 with a six and a half interest rate, $2,442 a month. One main financial is this car, 16%.

• 1:21:27Speaker 03

  That's a consolidated loan that he did with the credit cards.

• 1:21:30Caleb Hammer?

  Now guess what? We actually have good consolidation loans and good, all that shit. Person loans and all that stuff on Caleb Hammer.com, but only for people who know how to do it. So you didn't change your behavior. You maxed out all the credit cards after you consolidated. So what the was the point?

• 1:21:42Speaker 04

  I'll tell you, I'll tell you what happened. So after we bought the house, um, we bought some furniture and stuff on our credit cards, right? Um, and then we bought the car. And then in order to pay off the credit cards on a better rate, we did the one main loan with the car's collateral. Uh, then paid off all of our, then paid off all of our credit cards. So we didn't have any of those other credit accounts.

• 1:22:01Caleb Hammer?

  And then you didn't change your behavior. So you opened credit cards and you built it all back up.

• 1:22:05Speaker 04

  Right after that, I lost one of the big accounts from the cleaning company.

• 1:22:07Speaker 03

  So we didn't have any income.

• 1:22:09Caleb Hammer?

  You lost your income and you still spent it all on bullshit.

• 1:22:11Speaker 04

  Yeah, yeah.

• 1:22:11Caleb Hammer?

  See how this works? So stop.

• 1:22:13Speaker 03

  Bullshit and gas.

• 1:22:13Caleb Hammer?

  Stop. $632 a month and 37 cents with an entire balance of $24,232.43. Crazy, because it's again at a 16% interest rate. Volkswagen access, this is the collateral. So there's not an extra debt on that, but it's a fucking collateral. Dodge Ram. Okay?

• 1:22:33Speaker 03

  That's your truck.

• 1:22:35Caleb Hammer?

  Well, $9,075, $275 a month.

• 1:22:41Caleb Hammer?

  For sake. You got a Mercedes Benz? Sure, why not? Let's just add more debt. Mechanic owed for purchase and repairs. You owe $6,000. Is there a monthly payment or you just owe that?

• 1:22:51Speaker 04

  Just owe it.

• 1:22:51Caleb Hammer?

  That's stupid. Oh, you have student loans as well? That's great. $51,061. What's your monthly payment?

• 1:22:59Speaker 04

  Zero.

• 1:23:00Caleb Hammer?

  Why?

• 1:23:01Speaker 03

  He deferred.

• 1:23:01Speaker 04

  It just.

• 1:23:02Caleb Hammer?

  Fuck you. You shouldn't be able to. Fuck you. You owe to the IRS and this will be more $40,000. Hope they garnish wages next paycheck you get.

• 1:23:10Speaker 03

  I think you're on, are you on a payment plan?

• 1:23:12Caleb Hammer?

  Yeah. Are you on a payment plan with the IRS?

• 1:23:14Speaker 04

  Uh, I, I was, um, when I first moved into the house.

• 1:23:18Caleb Hammer?

  Great. And you're not anymore?

• 1:23:19Speaker 04

  Uh, no, I'm gonna change it.

• 1:23:20Caleb Hammer?

  Great, New York State, because you're, you owe $3,000. You're on a payment plan there?

• 1:23:24Speaker 04

  Yeah.

• 1:23:25Caleb Hammer?

  What?

• 1:23:26Speaker 04

  150.

• 1:23:28Caleb Hammer?

  Great. $8,844 of collections there. Now the spending, this is what the big disagreement was. So this is what I want to see. You, your checking account, $6.71, ended the statement. That is pathetic. Money back and forth. Okay, here we go. We got Apple bill. We got, we're DoorDash, even though we can't even send her money. Apple payments, stopping at the gas station, getting some bullshit, the deli, getting some bullshit. Promol on sports, what is sports betting? $10.80? Promol, Prol May Sports? Promage?

• 1:23:58Speaker 04

  Pro Image?

• 1:23:59Speaker 03

  Pro Image?

• 1:24:00Speaker 04

  No, that was, that's a story, yeah.

• 1:24:01Caleb Hammer?

  It's one word on there. It's one word. It's not separate word on the statement. When in the, what's Pro Image sport?

• 1:24:09Speaker 04

  Uh, it was probably just like a sports memory.

• 1:24:11Caleb Hammer?

  Go fuck yourself. Wendy got some bullshit, going to get some bullshit, getting some bullshit, DoorDash, DraftKings, there's betting. Fuck you. And I, I like the prediction market stuff. It's fun, but you don't have money, so you shouldn't do it at all.

• 1:24:22Speaker 04

  I don't.

• 1:24:23Caleb Hammer?

  Okay? Series XM, ATM withdrawal, probably went to the strip club, Dairy Queen got some bullshit. Wendy got some bullshit, Wendy got some bullshit, Creamery, Dolly.

• 1:24:31Speaker 03

  How much do you bet?

• 1:24:32Caleb Hammer?

  Apple Cash, that out. Wix, recurring for his website.

• 1:24:35Speaker 03

  So why is betting on there?

• 1:24:36Caleb Hammer?

  Some bullshit, vending machine, withdraw for the dispensary. Wendy got some bullshit, got some bullshit. It was $50.

• 1:24:41Speaker 04

  50?

• 1:24:42Caleb Hammer?

  Got some bullshit, bullshit, Amazon, Amazon, ATM withdrawal, probably went to the strip club, bullshit. Pizza Palace, Quick Check, Creamery, Creamery, Dolly, vending machine, bullshit.

• 1:24:52Speaker 03

  A lot of this is.

• 1:24:53Caleb Hammer?

  Withdraw, probably went to the strip club, bullshit, bullshit, bullshit, zelling out money, Microsoft Xbox, bullshit. Zelling out money, Wendy's, bullshit, lids, Amazon, Dolly, zelling out money. Withdrawn money, probably went to the strip club, DoorDash, bullshit. Burger King, vending machine.

• 1:25:12Speaker 04

  I'm not going to the strip club.

• 1:25:13Caleb Hammer?

  Urban Planet, bargain, bullshit. You said we don't have money. This is dispensary, Apple, DoorDash, Quick Check, Quick Check, H and M, bullshit, bullshit. Bullshit, pretzel maker, chocolate, Bible, burgers, bullshit, bullshit, vending machine, bullshit.

• 1:25:31Speaker 04

  What?

• 1:25:31Speaker 03

  How much is the, all the phone numbers you have a month?

• 1:25:33Caleb Hammer?

  My goodness. Bagel Bakery.

• 1:25:36Speaker 03

  It's yearly?

• 1:25:36Caleb Hammer?

  Farm, Taco, bullshit, down our money. Vending machine, Andrew's products, withdrawing money, probably went to the strip club, Apple bill, bullshit, bullshit, vending machine, vending machine, bullshit, Amazon. Withdraw, probably went to the strip club, ATM, bullshit, deposit, uh, well, no, but that's Triumph Deposit. I don't even know what that is.

• 1:25:57Speaker 03

  What do we use to pay bills?

• 1:25:59Caleb Hammer?

  Money. Yeah, because there's no money here. I'll say that. Bakery, Kashi. And again, it can be fun, but if we don't have money or it's, you're addicting to you, you shouldn't do it. Pizza place, bullshit, Wendy's, and going in and getting some bullshit.

• 1:26:13Speaker 03

  So why are you so worried about spending money when?

• 1:26:15Speaker 04

  This is not me just spending money on just mine. This is all of us.

• 1:26:18Speaker 03

  So that's all of us.

• 1:26:19Caleb Hammer?

  Yes, it's not. His business account has negative $202 in it.

• 1:26:25Caleb Hammer?

  Apple Cash, Roku, Apple bill, Apple bill, Prime Video, Triumph Deposit. Again, sending money somewhere. Bullshit. Triumph Deposit, Triumph Deposit, Triumph Deposit. What is that? It's like $5, $15, $5.

• 1:26:36Speaker 04

  That's, I stopped doing that. But that was, that was a stupid solitary game.

• 1:26:40Speaker 03

  Oh my God. Are you kidding me?

• 1:26:42Caleb Hammer?

  From his business account. DoorDash, bullshit, Netflix, Dolly, IRS, come get him. Bullshit, vending machine, bullshit.

• 1:26:47Speaker 03

  I mean, I feel like I don't have a leg to stand on because I don't work and I have credit cards myself.

• 1:26:51Caleb Hammer?

  I know, but if he took, if he agreed to take care of the house, he's not. Bullshit, bullshit, DoorDash, greenhouses, resort, restaurant, bullshit. Withdraw, probably went to the strip club right there. Bullshit, Dolly. Well, we don't know yet. There's still more to go through. He's spending more money at the comedy club than he gets. Wendy got some bullshit, Dolly, McDonald's. This is all on the business card, by the way. Bullshit, Wendy said, got some bullshit, diner, department store, bullshit.

• 1:27:19Caleb Hammer?

  Bullshit, Redweek.com, what is that? Redweek.com. Redweek.com.

• 1:27:24Speaker 04

  What is it?

• 1:27:26Caleb Hammer?

  What?

• 1:27:26Speaker 03

  Villa Roma?

• 1:27:28Caleb Hammer?

  What is that?

• 1:27:28Speaker 04

  That's a place that we take.

• 1:27:30Speaker 03

  What is it called?

• 1:27:31Caleb Hammer?

  Oh, that's good. You're spending it on your business account. That's negative. Bullshit, Wendy's, bullshit, Dolly, Apple bill, bullshit, bullshit, AMC, bullshit, withdraw, Subway, bullshit. Dispensary, bullshit, sling.com, bullshit, uh, Green Market, Burger King, Roku, Dunkin' Donuts, bullshit, bullshit. Solitaire, bullshit, Vistro Thai, bullshit. It's all bullshit.

• 1:27:55Speaker 03

  And bullshit.

• 1:27:56Caleb Hammer?

  ATM withdrawal, probably went to the strip club, bullshit.

• 1:27:58Speaker 03

  How are our bills even paid?

• 1:27:59Caleb Hammer?

  Bullshit, sicko. They're probably not. Apple bill, that's why the credit card. No, it's because the credit card's going up. That's where you put all your bullshit. I don't see, where is the money for you? You're overdrafting every single month. Overdraft, overdraft, overdraft. Here's yours. Started with 27, ended with 30. Oh my gosh, you're still so.

• 1:28:17Speaker 04

  No, he made money that month. Look at that.

• 1:28:21Caleb Hammer?

  Money is bullshit. Getting some bullshit, Cloud's Corner, YCC, getting some bullshit, bread, McDonald's, bullshit, bullshit, bullshit. Old Navy, bullshit, bullshit, bullshit, McDonald's, bullshit. Zell, zell, zell, monthly maintenance fee. Your savings, wow, $290. Well done.

• 1:28:40Speaker 03

  Oh my God.

• 1:28:42Speaker 05

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

• 1:29:11Caleb Hammer?

  And still there. That's what we have to our names in our mid 30s. Pathetic failures, losers in every way. And why would there be dating apps? Like what the?

• 1:29:20Speaker 03

  Uh, well, there was in the past. So I was, I was kind of just making a joke.

• 1:29:24Speaker 04

  Stop, she can't stop.

• 1:29:25Caleb Hammer?

  You couldn't either, dude.

• 1:29:27Speaker 03

  Yeah, well.

• 1:29:28Caleb Hammer?

  Income, because you said aside money for taxes, $5,000. Why do you have enough money to pay for bills? Because you don't pay for the taxes that are gonna be owed, which is why it's gonna keep coming from the IRS. And I hope they take everything. They will put your home up for collateral and they will take it.

• 1:29:43Speaker 03

  Damn.

• 1:29:44Caleb Hammer?

  Well, they might have to add another one to the collection. Minimum payment outside of the mortgage, $1,787.31. Now, if we add the mortgage in, what was it, $3,000 a month?

• 1:29:54Speaker 04

  No, 20.

• 1:29:54Caleb Hammer?

  Oh, $2,442.16. Now, what's your average utilities, gas, electric, water, and internet all combined on a monthly basis?

• 1:30:04Speaker 03

  Gas is quite a bit.

• 1:30:05Caleb Hammer?

  Just give me your average across the board.

• 1:30:07Speaker 04

  For like, gas in the car?

• 1:30:09Caleb Hammer?

  Utilities for the house, including internet.

• 1:30:11Speaker 03

  So, electric is $462 a month.

• 1:30:14Caleb Hammer?

  Very specific.

• 1:30:15Speaker 04

  That's because she only knows that one because that's in her name. That's the only one she cares about.

• 1:30:19Caleb Hammer?

  Okay, internet, gas, water!

• 1:30:21Speaker 04

  Internet is 100.

• 1:30:22Speaker 03

  100.

• 1:30:23Speaker 04

  And now, just know it's 100 a month.

• 1:30:25Speaker 03

  Just 100? Gas is probably for my car at least.

• 1:30:29Caleb Hammer?

  Not car, gas for the house.

• 1:30:30Speaker 04

  No, it's electric.

• 1:30:31Caleb Hammer?

  Is it water?

• 1:30:32Speaker 04

  Yeah, yeah, but we haven't gotten our water bill yet.

• 1:30:35Speaker 03

  We haven't gotten it, yeah.

• 1:30:36Caleb Hammer?

  I'll say 200.

• 1:30:37Speaker 04

  Yeah, because we've called and they haven't.

• 1:30:38Caleb Hammer?

  Okay, 752 a month. Now, gas, vroom, vroom, drive, drive, what you've been waiting for.

• 1:30:43Speaker 04

  Like, 400 or 500 bucks a month?

• 1:30:44Speaker 03

  Yeah, between all the cars.

• 1:30:46Caleb Hammer?

  405, you said?

• 1:30:47Speaker 03

  400 or 500.

• 1:30:49Caleb Hammer?

  450. Car insurance, how much?

• 1:30:51Speaker 04

  Uh, right now, we got it down to 300.

• 1:30:54Caleb Hammer?

  Phone bill?

• 1:30:55Speaker 04

  270-ish.

• 1:30:57Caleb Hammer?

  We're so fucked. 275, I guess. Uh, necessary food, you and all those kids, you should be able to do... How old's the youngest?

• 1:31:04Speaker 03

  We usually do about...

• 1:31:05Caleb Hammer?

  Two? Did you say two?

• 1:31:05Speaker 03

  One.

• 1:31:06Speaker 04

  Yeah, four to six.

• 1:31:07Caleb Hammer?

  Is he on titty?

• 1:31:08Speaker 03

  No, not anymore, no, I'm pregnant, I can't breastfeed. He eats milk and regular food that we eat.

• 1:31:13Caleb Hammer?

  Okay, we should be able to do $800 with meal prep meal plan. You're just doing a few meals a month cooked, then... Well, you eat out every meal, that's why you think it's less. If you can do 700, that's great, but we're gonna do 800 for now. TP fund, anything else for you and the kids who exist? $250, it's diapers, it's food, it's... or it's not food, but it's diapers, it's toothpaste, it's all this stuff. It's school activities for the six-year-old. Okay. Medical health care, are there copays on a monthly basis?

• 1:31:37Speaker 04

  Uh, no, so she's on, because we're not married, she's on the...

• 1:31:40Speaker 03

  Medicaid.

• 1:31:41Speaker 04

  New York State. And, um, I...

• 1:31:43Caleb Hammer?

  They don't know who you live with, though? You don't report that?

• 1:31:45Speaker 04

  Well, we applied under...

• 1:31:47Caleb Hammer?

  So, because... This is why I don't want to live in a state that just supports people who choose to not say who they live with.

• 1:31:51Speaker 03

  No, he...

• 1:31:51Speaker 04

  No, because the income obviously does. No, wait, so she was, we were all on that program.

• 1:31:57Caleb Hammer?

  I'm glad you guys get taxed more there for this.

• 1:31:59Speaker 04

  Uh, we were all on the New York State when I was just...

• 1:32:01Caleb Hammer?

  Okay, so, $0. $0. $0, subscriptions, $50. You have any pets?

• 1:32:08Speaker 04

  Yeah.

• 1:32:08Speaker 03

  Yeah, three dogs.

• 1:32:09Caleb Hammer?

  Oh, fuck you guys. $150 pet insurance, how much for pet food, pet supplies? You do now, because guess what? If there's a critical emergency, you're gonna go into debt, or they're gonna die. And that's selfish, you, so now you have pet insurance.

• 1:32:23Speaker 03

  You usually just pay the vet bill.

• 1:32:24Caleb Hammer?

  Exactly, I'm talking about an emergency that's thousands of dollars to save their lives. How much for pet food and supplies?

• 1:32:29Speaker 03

  50, yeah, 150.

• 1:32:31Caleb Hammer?

  150?

• 1:32:32Speaker 04

  Yeah.

• 1:32:33Speaker 03

  Their dog food bag is only 50.

• 1:32:34Caleb Hammer?

  Anything else that needs to be in this budget that I have not done yet?

• 1:32:38Speaker 04

  No, I think that's it.

• 1:32:41Caleb Hammer?

  Yeah, that's it.

• 1:32:42Speaker 03

  Yep, that's it.

• 1:32:43Caleb Hammer?

  Your minimum necessities are as much as you make without paying taxes. You're actually 2,500 underwater if you set aside money for taxes properly. So, yeah, you're fucked, and that's without being on your minimum payment plans for the student loans and the IRS. So, the reality is, buddy, I think the clear option is clear. Uh, one, you guys put everything into one account, she has access to it. Stop spending on credit cards, stop doing all that. You budget together, you sit down together, you discuss what you're allowed to spend on. And once you get that under control for three months, I'll allow you to go through bankruptcy. Bankruptcy is your only way out of this debt. You're not paying your way out of this debt unless you go and, again, double your salary. But I'm not gonna wait for that, because I need you to start tackling the IRS.

• 1:33:26Caleb Hammer?

  You already have the house, so what are we even trying to have good credit for anyway? Okay, and it's a nice house, as far as I saw. So, you're happy there, and you have the car, so we're not borrowing. Get your budget under control, go through bankruptcy, and start this teaching position.

• 1:33:40Speaker 03

  Okay.

• 1:33:41Caleb Hammer?

  Like, what the... that's it, dude. Easier said than done, obviously bankruptcy's gonna be a process and it costs a little bit of money to get going. But you don't do bankruptcy until you change your behavior, because you'll end up like multiple guests who've been on the show, where you go through multiple bankruptcies, because you don't change your behavior. So, you're budgeting together, you're disciplined together, you go over it a couple times a month together. Okay?

• 1:34:01Speaker 04

  I think that's the main thing, is we don't...

• 1:34:03Caleb Hammer?

  That's it, you don't communicate at all, it's horrible. Maybe you go to counseling, because you guys...

• 1:34:07Speaker 03

  Budgeting some counseling, then.

• 1:34:10Caleb Hammer?

  No, you guys are on the state approach. All right, there's a lot to do in this post-show, so you know it's gonna be crazy. But let's get the Hammer Financial Score first. Spending in a budget, overspent dramatically, 0 out of 10. Debt, there's collections, 0 out of 10. Emergency fund, not even $1,000, 0 out of 10. I see retirement, 0 out of 10. Uh, house, let's see the value. Value's 230. What are you on the house? You owe 222. You can't sell it, you didn't even break even, you'll have to go to check. You're on it with your mom, that's not great. Okay, real estate score, at least you're in the market, I'll give you 5 out of 10 there. You're lucky for that. Hammer Financial Score, 1 out of 10. Get yours at CalebHammer.com for free, and now join the number one membership on YouTube, where we have an entire network we have made of incredible, high-premium shows, three of them a day, six days a week.

• 1:34:54Caleb Hammer?

  That's why there's over 175,000 monthly members to Hammer Elite. You can join by clicking that join button or link below to be here on YouTube, or you can go off-platform at the Hammer Elite app or HammerElite.com. Wherever you want to be a Hammer Elite member, does not matter, it is the same on both platforms. But we'll see you for what is about to be a crazy post-show.

• 1:35:12Speaker 06

  Hello?

• 1:35:13Caleb Hammer?

  Why, why are you and Rob and fighting so much all the time?

• 1:35:16Speaker 06

  All the times we fight, he was drunk.

• 1:35:20Caleb Hammer?

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

• 1:36:01Caleb Hammer?

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

• 1:36:09Speaker 05

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