Groomer EXPOSED On Financial Audit

*I FOUND INSANE SH*T IN THEIR TEXT MESSAGES* and guess what? I found *cheating* between them- something not even my producers knew. This is the biggest post show reveal EVER- watch 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://shorturl.at/vGDD5 ============================= 🔥 MY NEW FLAVOR IS FINALLY LIVE!! Get Liquid Assets *NOW* for under 40 cents per serving!! Get 10% off your entire order with code CALEB - https://hamr.link/calebdrank 🔥 Get Your Own *Hammer Financial Score* → https://hamr.link/newquiz ============================= *Sponsors for This Video* ============================= You’re 30 seconds away from being debt free with PDS Debt. Get your free assessment and find the best option for you at https://PDSDebt.com/hammer Ready to reach your goals? Visit https://hims.com/hammer to get a personalized, affordable plan that gets you. If you or someone you know experienced serious mental health struggles as a result of social media use, you may be entitled to a potential recovery of over $1,000. Visit https://morganmorganpa.sjv.io/c/7273707/3841482/23429?sharedid=caleb-hammer to submit a claim now. ============================= *Education* ============================= 👉 Get access to EVERYTHING I offer all in one place: https://bit.ly/4sUm2pb ⚡Learn how to budget: https://bit.ly/4sspyGh ⚡Learn how to invest: https://bit.ly/41mr8OP ⚡Pay off your debt: https://calebhammer.com/master-your-debt ============================= *Extra Resources* ============================= 👉 Land a high-paying job with no experience or degree: ➡ https://coursecareers.com/CalebHammer 👉 Get FREE MONEY by investing with Public! https://secure.moneymatchup.com/public-caleb 👉 Find the best credit cards for you with my quiz! https://cards.calebhammer.com/yt 👉 Get $20 from Acorns for free: ➡ https://acorns.com/caleb 👉 Helium Mobile: Use promo code CALEB for a FREE plan ➡ https://hellohelium.com/ 👉 Protect your online privacy and security for free with Aura: ➡ https://aura.com/hammer ============================= *Chapters* ============================= 00:00 Intro 01:41 Jobs & Incomes 04:40 she was HOW old?? 12:20 behind on her mortgage at 18 is CRAZY 16:20 i can smell the estrogen off of him, hes such a p*ssy lol 28:40 bros thinking he groomed the wrong girl 32:56 erm caleb, the preferred term is "unhoused" 36:19 "I CANT USE GOOGLE, IM 19!!" 41:10 they really think theyre winning at life right now LMAAO 51:13 this house has f*cked them 59:30 theres only 1 dealership in florida!! 01:07:25 going bankrupt wasnt enough to change behavior?? 01:25:30 Budget!! ============================= Want more content? ============================= 🍿 @calebhammershow 🍿 @frontpagechannel 🍿 @CalebHammerTopVideos 🍿 @Dollarwisebudget ============================= *Connect with me!* ============================= TikTok: https://www.tiktok.com/@calebhammercomposer X: https://x.com/sircalebhammer IG: https://www.instagram.com/calebhammercomposer/ Facebook: https://www.facebook.com/calebhammercomposer/ ============================= *Want to be a guest on Financial Audit?* ============================= 👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply *Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. Sponsorship and business inquiries: [email protected] Learn more about your ad choices. Visit megaphone.fm/adchoices

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

• 0:01Speaker 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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• 0:45Caleb Hammer?

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

• 0:48Speaker 03

  We met when I was 16 and he was bowling with my dad.

• 0:52Caleb Hammer?

  Okay, hold on.

• 0:53Speaker 04

  We met then, nothing happened because of course she was 16 and I was 27.

• 0:57Speaker 03

  Yeah, I was a kid.

• 0:59Caleb Hammer?

  Okay, so you were deathly in love with him.

• 1:01Speaker 03

  Yep.

• 1:02Caleb Hammer?

  From the age of 16.

• 1:03Speaker 03

  Yep.

• 1:03Caleb Hammer?

  Were you?

• 1:04Speaker 04

  I definitely had very strong feelings for her.

• 1:08Speaker 03

  I own him.

• 1:09Caleb Hammer?

  She says that.

• 1:09Speaker 03

  Yeah.

• 1:10Caleb Hammer?

  She just controls you.

• 1:11Speaker 03

  Well, he knew that getting into the marriage.

• 1:13Speaker 04

  Calm down a little bit. I am very protective over her.

• 1:16Caleb Hammer?

  Dollar Wise is about to launch its biggest update ever. My team and I have been working day and night. And in the next few weeks, Dollar Wise web goes live. For the first time, Dollar Wise is coming to your desktop, giving you a bigger, easier way to see exactly where your money goes. Plus, we're launching the Dollar Wise referral games with real money and huge prizes. You do not want to miss this. Download Dollar Wise using the link below and create your account now. Because when the Dollar Wise update drops, the games begin.

• 1:48Caleb 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.

• 2:09Speaker 03

  My main name is Bella, I'm 21 years old.

• 2:11Speaker 04

  Hi, my name's Adam, I'm 33 years old. We come from Cape Coral, Florida.

• 2:14Speaker 03

  And this is Financial Audit.

• 2:17Caleb Hammer?

  Thanks for coming over to Austin. I legitimately just gonna, I feel horrible for anyone living in Cape Coral. That's like the worst design city in the history of America. It's actually so, but Bella, what do you do for a living?

• 2:31Speaker 03

  I am a CNA.

• 2:33Caleb Hammer?

  Sure.

• 2:33Speaker 03

  Certified nursing assistant. I make $6,000 a month.

• 2:37Caleb Hammer?

  Is that your net or is that your gross? Is that what hits your account?

• 2:40Speaker 03

  That's what hits my account, but I'm $10.99.

• 2:43Caleb Hammer?

  Great.

• 2:43Speaker 03

  Well, I'm $10.99.

• 2:44Caleb Hammer?

  So it's still great. Save up money.

• 2:47Speaker 03

  Yeah.

• 2:48Caleb Hammer?

  For taxes, I mean.

• 2:49Speaker 03

  Well, I don't.

• 2:50Caleb Hammer?

  Of course not, you're on Financial Audit. Uh huh. But listen, 21, making $72,000 a year. That's incredible, let's just be real. Let's be real, that's incredible.

• 3:02Speaker 03

  Yeah.

• 3:02Caleb Hammer?

  If you're that up, you're up your entire, oh, that's funny.

• 3:06Speaker 03

  Well, no.

• 3:06Caleb Hammer?

  That's funny?

• 3:07Speaker 03

  It's like a nervous laughter. Nervous laughter.

• 3:10Caleb Hammer?

  I'd be nervous too if I wasn't saving money for my 72,000 hours a year that I was making at 21.

• 3:15Speaker 03

  Do you know how much that would be a year?

• 3:17Speaker 04

  $72,000.

• 3:18Speaker 03

  No, like for taxes, for taxes, how much?

• 3:20Caleb Hammer?

  Set aside 30%, be safe.

• 3:22Speaker 03

  Okay.

• 3:22Caleb Hammer?

  What do you do, Adam?

• 3:23Speaker 04

  I'm actually going back to school to be an electrician, so right now I'm not working.

• 3:27Caleb Hammer?

  We love the trades. Trades can be good, good degrees can be good, there's a lot of good you can do. What do you do now, though? Do you not do anything?

• 3:37Speaker 04

  No, I don't work right now, I'm just going back to school. That's it.

• 3:40Caleb Hammer?

  So 21-year-old taking care of a 33-year-old.

• 3:42Speaker 03

  We have a baby, he needs to watch the baby.

• 3:44Speaker 04

  I watch her at night.

• 3:45Speaker 03

  Yeah.

• 3:46Caleb Hammer?

  Are you guys married?

• 3:47Speaker 03

  Yeah.

• 3:47Speaker 04

  Yes, we are.

• 3:48Caleb Hammer?

  Oh, how long have you guys been married?

• 3:49Speaker 03

  We just had a one-year anniversary.

• 3:51Caleb Hammer?

  Well, congratulations, how old's the kiddo?

• 3:53Speaker 03

  Two months.

• 3:55Caleb Hammer?

  Wow, fresh.

• 3:57Speaker 03

  Yep.

• 3:58Caleb Hammer?

  Gotcha, okay, so usually when someone's like a two-month-old kid, the mom's like, you know,

• 4:07Caleb Hammer?

  usually more taking care of the kid.

• 4:09Speaker 04

  Yeah.

• 4:09Caleb Hammer?

  At this point, she's the one going working and most likely overtime for that income.

• 4:14Speaker 03

  Yeah.

• 4:15Caleb Hammer?

  Well, you go pursue the school things, not saying that you can't, but maybe you already can tell the kid, it's like a year old, a little more daycare agey, a little more.

• 4:24Speaker 03

  No, no daycare. No, no, no.

• 4:26Speaker 04

  We don't want no daycare.

• 4:28Caleb Hammer?

  Taking care of the kid.

• 4:29Speaker 03

  I take care of her during the day, I go to work at night, and then he watches her at night because he's in school.

• 4:34Caleb Hammer?

  How do you take care of the kid during the day when you need to be sleeping?

• 4:37Speaker 03

  I sleep when she sleeps. Yeah.

• 4:39Caleb Hammer?

  And she sleeps during the day?

• 4:40Speaker 03

  Yeah, she's two months old. She sleeps all day long.

• 4:43Speaker 04

  She'll sleep like two hours at a time sometimes.

• 4:45Caleb Hammer?

  What happens when it's six months old?

• 4:47Speaker 03

  Then he'll be out of school and working.

• 4:49Speaker 04

  I graduate the, um, in just a couple of months, so.

• 4:52Caleb Hammer?

  Oh, thank, okay, okay, good. Well, okay, well, actually, no, that doesn't make any sense because you're working nights.

• 4:58Speaker 03

  Yeah.

• 4:58Caleb Hammer?

  We'll be working days.

• 4:59Speaker 03

  Yeah.

• 5:00Caleb Hammer?

  So who's taking care of the kid?

• 5:01Speaker 04

  Well, hopefully I'll be making enough money at that time. And then also, if not, then I'll be getting a second job.

• 5:06Caleb Hammer?

  At that time, what?

• 5:07Speaker 03

  I want to be a trad wife.

• 5:09Caleb Hammer?

  You'll be making enough money for what?

• 5:10Speaker 04

  To be able to take over the bills and she wouldn't have to.

• 5:12Speaker 03

  For me to stay home.

• 5:13Speaker 04

  And she'll be a trad wife.

• 5:14Caleb Hammer?

  That's the play?

• 5:15Speaker 04

  Yeah.

• 5:15Speaker 03

  Yeah.

• 5:16Caleb Hammer?

  Oh, trad wife, we're trying to trad wife?

• 5:17Speaker 03

  Yeah.

• 5:18Speaker 04

  Yep.

• 5:19Caleb Hammer?

  Okay, you see her hair color? Yeah, okay. Oh, how'd you guys meet?

• 5:24Speaker 03

  So we met.

• 5:25Caleb Hammer?

  33 and 21, that's a, it's a bit bigger gap than most people.

• 5:29Speaker 03

  I don't know why you asked me a question and kept talking, but anyways, we met.

• 5:33Caleb Hammer?

  I was adding context to it.

• 5:35Speaker 03

  We met when I was 16 and he was bowling with my dad.

• 5:39Caleb Hammer?

  Okay, hold on.

• 5:40Speaker 03

  He, he was in a league with my dad when I was 16.

• 5:45Caleb Hammer?

  One second.

• 5:46Speaker 03

  11 years, 27.

• 5:47Caleb Hammer?

  Five years ago, he.

• 5:49Speaker 04

  I was 27.

• 5:50Speaker 03

  11 plus 16 is 27.

• 5:52Caleb Hammer?

  Doing the math.

• 5:53Speaker 03

  Well, no.

• 5:54Caleb Hammer?

  Well, I thought he was 33.

• 5:55Speaker 03

  Well, yeah, but I turned 22 this year.

• 5:57Speaker 04

  So.

• 5:58Caleb Hammer?

  Okay, sure.

• 5:59Speaker 03

  But I was 16 and he was 27, yeah.

• 6:02Speaker 04

  Yeah.

• 6:03Speaker 03

  So we met, we met and.

• 6:06Caleb Hammer?

  At school?

• 6:07Speaker 05

  Why is my girlfriend here? Which one?

• 6:10Speaker 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.

• 6:35Speaker 05

  Is she the one in the green hoodie?

• 6:37Speaker 04

  No.

• 6:37Speaker 03

  No, he's 27 years old. I just told you we met at a bowling alley. I just told you we met bowling.

• 6:42Caleb Hammer?

  Okay.

• 6:43Speaker 03

  But, so.

• 6:44Caleb Hammer?

  Good place to get your prey.

• 6:46Speaker 03

  There was a song playing called Cupid Shuffle, I'm sure everybody knows it. And he was up there doing the dance and I saw his cute little butt and I was like, oh my God, I need to have that. But obviously, I was a kid, so I had to wait until I was older. So then when I was 19, I reached out to him.

• 7:04Caleb Hammer?

  Teenager, not a kid, but yeah, go on.

• 7:06Speaker 03

  16 is not a kid?

• 7:08Caleb Hammer?

  Kid, kid.

• 7:09Speaker 03

  Kid is anything before 18.

• 7:10Caleb Hammer?

  Is it?

• 7:11Speaker 03

  Yes.

• 7:12Caleb Hammer?

  Okay, kid just has a little infantilizing to it. Trust me, I'm not advocating for the 16-year-old thing, to be clear. But usually I would call it like a teenager.

• 7:19Speaker 04

  But it was one of those where we sat there and.

• 7:21Caleb Hammer?

  His words do matter for what it's worth.

• 7:22Speaker 04

  We met then.

• 7:23Caleb Hammer?

  I guess he didn't say child, so kid, ah, okay, whatever, I'll go with kid.

• 7:27Speaker 03

  Yeah.

• 7:27Speaker 04

  We met then, nothing happened because of course she was 16 and I was 27.

• 7:32Speaker 03

  Yeah, I knew, I knew it wasn't worth pursuing it at that point because I knew I didn't have a shot.

• 7:36Caleb Hammer?

  You didn't bowl your ball into her.

• 7:38Speaker 04

  No.

• 7:40Speaker 03

  I wanted him to, but no. Oh my God, my insides are on fire. Yeah, we.

• 7:46Speaker 04

  Marriage.

• 7:46Speaker 03

  Yeah, we waited until marriage.

• 7:48Caleb Hammer?

  Uh huh.

• 7:48Speaker 03

  That's why we have a two-month-old and our one-year anniversary.

• 7:51Caleb Hammer?

  That, you know, people can have sex without making kids.

• 7:54Speaker 03

  Well, we don't, yeah.

• 7:55Caleb Hammer?

  Does she? Because she seems to imply that that clearly meant you guys saved for marriage.

• 8:00Speaker 03

  Well, no.

• 8:00Speaker 04

  She was just saying like that we did wait till marriage and that's why.

• 8:04Speaker 03

  Yeah.

• 8:06Speaker 03

  That's why we got married on our one-year anniversary.

• 8:08Caleb Hammer?

  You guys met when she was 16?

• 8:10Speaker 03

  Yeah, we got together when I was 19, waited until marriage.

• 8:13Caleb Hammer?

  For those three years?

• 8:14Speaker 05

  What are you doing?

• 8:15Speaker 04

  Me?

• 8:17Speaker 04

  Just hanging around.

• 8:19Speaker 03

  Me or him?

• 8:20Caleb Hammer?

  Both of you.

• 8:21Speaker 03

  Well, I was actually engaged.

• 8:24Caleb Hammer?

  You know.

• 8:25Speaker 04

  We didn't, we actually lost contact and didn't talk.

• 8:27Speaker 03

  We didn't talk at all. I was engaged to someone else and we bought a house together.

• 8:31Caleb Hammer?

  When were you engaged?

• 8:32Speaker 03

  When I was 18.

• 8:34Caleb Hammer?

  Okay. And then got unengaged in a year?

• 8:37Speaker 03

  We got unengaged in like two months.

• 8:40Speaker 04

  Yeah.

• 8:41Caleb Hammer?

  She's a keeper, okay.

• 8:44Speaker 03

  And we actually.

• 8:46Caleb Hammer?

  And you're like, I remember a predator looking at me when I was 16, let me go get him.

• 8:52Speaker 03

  Well, I never stopped loving him.

• 8:53Speaker 04

  She's the one.

• 8:54Caleb Hammer?

  How'd you know you loved him?

• 8:55Speaker 03

  Well, because I saw him every single week at the bowling alley.

• 8:58Caleb Hammer?

  Okay, so don't say you didn't have contact for years.

• 9:01Speaker 03

  Well, no.

• 9:01Caleb Hammer?

  How'd you love him seeing him?

• 9:04Speaker 03

  I loved him because I saw him like a year. So every single week I would see him until I was like 17 years old or whatever. And then I was offered a job to go move to New Jersey when I was 18, so I moved to New Jersey.

• 9:16Caleb Hammer?

  Hung out and talked and had a lot of fun those, that year?

• 9:19Speaker 03

  Well, no, I just saw him at the bowling.

• 9:20Caleb Hammer?

  How were you in love with him?

• 9:21Speaker 03

  Because I talked to him at the bowling alley.

• 9:23Caleb Hammer?

  That's what I would just ask and you said no.

• 9:25Speaker 03

  I think you meant outside of that.

• 9:27Caleb Hammer?

  No?

• 9:28Speaker 03

  Okay, yeah.

• 9:28Speaker 04

  At the bowling alley, yeah, we were talking.

• 9:30Speaker 03

  Yeah.

• 9:30Speaker 04

  I actually taught her on how to flick bottle caps.

• 9:33Speaker 03

  Yeah, have you ever watched like Cobra Kai?

• 9:34Caleb Hammer?

  How to flick a lot of things, didn't you?

• 9:35Speaker 04

  Nope, that's all.

• 9:36Speaker 03

  Do you know how, do you know Cobra Kai or like Karate Kid?

• 9:39Caleb Hammer?

  Yes.

• 9:39Speaker 03

  So you know how like Johnny Lawrence flicks the bottle caps?

• 9:42Caleb Hammer?

  No.

• 9:43Speaker 03

  So you don't know it?

• 9:44Caleb Hammer?

  I know the show, doesn't mean I've watched it.

• 9:48Speaker 03

  So then why would you say you know it if you didn't watch it?

• 9:50Caleb Hammer?

  Because I know what it is. What do you mean?

• 9:53Speaker 03

  Okay.

• 9:53Caleb Hammer?

  I know what China is, I've never been.

• 9:56Speaker 03

  Why not?

• 9:57Caleb Hammer?

  Good one. Okay, so you're deathly in love with him.

• 10:01Speaker 03

  Yep.

• 10:01Caleb Hammer?

  From the age of 16.

• 10:03Speaker 03

  Yep.

• 10:03Caleb Hammer?

  Were you?

• 10:04Speaker 04

  I definitely had very strong feelings for her. You are a fast mover, please.

• 10:07Caleb Hammer?

  Have a seat right there.

• 10:09Speaker 04

  But no, we never.

• 10:10Caleb Hammer?

  There it is. Okay, that's what I was trying to get. Thank you. Very good.

• 10:13Speaker 03

  So then I was engaged.

• 10:14Caleb Hammer?

  Okay, so it was more of the wait for legality thing. The classic groom maneuver.

• 10:20Speaker 03

  I think I groomed him if anything.

• 10:21Speaker 04

  Yeah, if anything.

• 10:24Caleb Hammer?

  Honestly, maybe, but the thing is, it's like, obviously with ages and stuff, you know how it is.

• 10:31Speaker 03

  Yeah.

• 10:32Caleb Hammer?

  How it looks and want to be real and okay. So you left the man for the dream man of which was.

• 10:38Speaker 03

  No, no, he left me.

• 10:40Speaker 04

  Actually, the guy left her.

• 10:41Speaker 03

  No, he left me.

• 10:41Caleb Hammer?

  Because you were more interested in people.

• 10:43Speaker 03

  Probably. I mean, I literally tried to turn him into Adam. So.

• 10:49Caleb Hammer?

  Predator?

• 10:50Speaker 03

  No, I just tried to turn him into like that kind of a person. So like we met him. We met him, or I met him in New Jersey and we moved back to Florida and we bought a house together. And so I made him buy.

• 11:03Caleb Hammer?

  And two months of engagement?

• 11:04Speaker 03

  Well, no, this was when we were dating still. When we were dating, we moved here or I moved, we moved to Florida.

• 11:11Caleb Hammer?

  When did you start dating this guy?

• 11:15Caleb Hammer?

  This doesn't make any sense. No, how long were you with him?

• 11:18Speaker 03

  A little under a year.

• 11:20Caleb Hammer?

  You moved and bought a house together in under a year?

• 11:23Speaker 03

  Yeah.

• 11:24Caleb Hammer?

  You're, go on.

• 11:26Speaker 03

  Yeah, pretty much.

• 11:27Speaker 04

  I've actually told her that with that guy.

• 11:29Caleb Hammer?

  How old was he?

• 11:30Speaker 03

  He was twenty four and I was eighteen.

• 11:33Caleb Hammer?

  Allegedly, okay.

• 11:35Speaker 03

  I was. I couldn't have worked at, you know, a shop under eighteen.

• 11:40Caleb Hammer?

  I worked at sixteen.

• 11:41Speaker 03

  Legal thing in a dealership in the shop.

• 11:44Caleb Hammer?

  Did you say that specifically? I don't know.

• 11:46Speaker 03

  Well, you don't pay attention. That's not my fault.

• 11:48Caleb Hammer?

  Fair enough.

• 11:50Speaker 03

  So I met him there and then we moved back to Florida and we were living with my parents for a little while. And he said, I hated here. Like, we need to leave. We need to get our own place. And I told him that I didn't want to rent and I wanted to own. I didn't want to give people money and not have equity. Yeah.

• 12:06Caleb Hammer?

  He's like, okay, well, I guess you got a free house. Congratulations. You just waited sixteen, seventeen. Boom, I can go.

• 12:14Speaker 04

  Not till nineteen and after she got.

• 12:17Caleb Hammer?

  She was distracted.

• 12:18Speaker 03

  Yeah, and then he took me to court after he left because he wanted me to sell the house, even though I was living in it.

• 12:25Caleb Hammer?

  Right, but I just looked down and I see it's six to eight months. Okay, seven months behind.

• 12:31Speaker 03

  Yes.

• 12:32Caleb Hammer?

  You make money.

• 12:34Speaker 03

  Yes.

• 12:35Caleb Hammer?

  What the is wrong with you creature?

• 12:37Speaker 03

  I didn't make this money before. I worked.

• 12:40Caleb Hammer?

  How long have you been making money? But he was making money, right?

• 12:43Speaker 04

  It was a little while, about six months.

• 12:46Speaker 03

  He's been in school for like six months.

• 12:48Speaker 04

  Yeah, it's been about six months I've been in school now.

• 12:50Caleb Hammer?

  So the moment he went into school, we just stopped paying our mortgage?

• 12:53Speaker 03

  Kind of.

• 12:53Caleb Hammer?

  Clearly, we couldn't go to school yet. You want to lose this house?

• 12:56Speaker 03

  Coming in to rent out the other two rooms to make up for the money.

• 13:00Caleb Hammer?

  Cause you weren't paying the rent.

• 13:01Speaker 03

  Because they weren't, no, they weren't paying me rent. So I couldn't afford the mortgage anymore.

• 13:06Caleb Hammer?

  I wouldn't go to school unless we know we can at least pay our bills at a minimum or have enough saved up to take care of the minimum monthly payments, man.

• 13:13Speaker 04

  That's the thing is I've offered to actually sit there and stop going to school, put a hold on.

• 13:16Speaker 03

  But you already have the loans.

• 13:17Caleb Hammer?

  I'm talking about going in though, going in. Okay, okay, okay.

• 13:20Speaker 03

  That's why we got the people to rent.

• 13:22Caleb Hammer?

  How long have you been in this job?

• 13:23Speaker 03

  Technically three years, but I just recently went to.

• 13:26Caleb Hammer?

  What's just recently?

• 13:28Speaker 03

  I went to full time. How long has it been? A couple of months?

• 13:30Speaker 04

  It's been about.

• 13:31Caleb Hammer?

  So why are we still months behind?

• 13:33Speaker 03

  Because I went into a forbearance with the mortgage because I didn't want it to foreclose. They gave me all of these options of what I could do, like after the forbearance is done on how to pay back that debt in their rears. And they gave me a million options and I said, that's great. You know, like maybe we can push it back to the end of the loan. Or we can, I could pay it back slowly or whatever. When the forbearance was done, they said, oh, well, you need your ex fiance to sign any of those options.

• 14:02Caleb Hammer?

  Okay.

• 14:02Speaker 03

  Because his name's on the mortgage.

• 14:04Caleb Hammer?

  And?

• 14:04Speaker 03

  And he's in New Jersey.

• 14:06Speaker 04

  Nobody can get a hold of him.

• 14:08Speaker 03

  Nobody can get a hold of him. No.

• 14:10Speaker 04

  Nobody can. We've always been sitting there trying and even the bank has tried everything and nobody can get in contact with them.

• 14:16Caleb Hammer?

  Well, yeah, I wouldn't rely everything on someone we can't get in contact for. So maybe just like you've been three months, pay the bills.

• 14:22Speaker 03

  They didn't tell me that when I got the forbearance that he needed to sign any of those options.

• 14:27Caleb Hammer?

  Though, and you've been making this good money for three months. So why haven't you started at least paying?

• 14:31Speaker 03

  Because we have other bills to pay too. Cause he's not working.

• 14:35Caleb Hammer?

  Yeah, but keeping a roof over your head in an equity position.

• 14:37Speaker 03

  I have rent to pay. We don't live in that house anymore.

• 14:40Caleb Hammer?

  What the why?

• 14:41Speaker 03

  Cause we have people renting in now.

• 14:43Caleb Hammer?

  Oh, I thought you were renting rooms besides the rooms you guys stayed in. Okay, if people are renting, are they paying rent?

• 14:48Speaker 03

  They are now.

• 14:49Speaker 04

  Yeah.

• 14:50Caleb Hammer?

  Then why aren't you taking that rent and at least putting some towards the mortgage?

• 14:52Speaker 04

  Because we already sat there and put in for the forbearance. So as of right now, we don't have to pay until the end of November.

• 15:00Speaker 03

  November thirty first.

• 15:01Caleb Hammer?

  Oh my goodness, it's dramatically under value of what you purchased it for.

• 15:05Speaker 03

  It is.

• 15:05Speaker 04

  Yes.

• 15:06Caleb Hammer?

  Shit, you're.

• 15:07Speaker 03

  Yeah, my mom thinks that we should let it foreclose.

• 15:10Caleb Hammer?

  Okay, guys, so what's going on here today? What are we talking about?

• 15:13Speaker 04

  Well, I didn't even want to come on the show.

• 15:15Caleb Hammer?

  Oh, happy to have you.

• 15:17Speaker 04

  The one that sat here and pretty much made it where if I didn't come that we pretty much ended in a divorce. So.

• 15:22Caleb Hammer?

  She's been obsessed with you since sixteen. You think she'll ever divorce you?

• 15:26Speaker 04

  She really, really wanted to come on here and she was sitting there.

• 15:31Caleb Hammer?

  Why?

• 15:31Speaker 04

  Pretty much telling me why she really would come on here.

• 15:34Caleb Hammer?

  And why is she pushing you to do? What's going on?

• 15:36Speaker 04

  So I thought.

• 15:36Caleb Hammer?

  Why do you have to be here?

• 15:37Speaker 04

  I thought.

• 15:38Caleb Hammer?

  Yeah, because you're and can't pay your bills, even though you make money and people are paying rent.

• 15:41Speaker 04

  Well, she's not.

• 15:43Caleb Hammer?

  Uh huh. Okay.

• 15:45Speaker 04

  But she sat there and.

• 15:47Caleb Hammer?

  She dyes her hair like that in two thousand twenty six.

• 15:50Speaker 03

  It's the first time I've dyed it in like five years.

• 15:53Caleb Hammer?

  Which makes you, because you look like someone in high school in two thousand eleven.

• 15:57Speaker 03

  So I look hot.

• 15:58Caleb Hammer?

  Okay, I know you guys are obsessed with being attracted to people in high school, but no, that does not mean hot.

• 16:03Speaker 03

  You didn't say no.

• 16:04Caleb Hammer?

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

• 16:08Speaker 04

  I'm like a two. So it's okay. I know I'm ugly. It's fine. So are you. So it's okay.

• 16:13Caleb Hammer?

  Yeah.

• 16:13Speaker 03

  At least he's tall, not like you.

• 16:15Caleb Hammer?

  One five nine, the average American male, thank you.

• 16:17Speaker 04

  I don't think he really are.

• 16:18Caleb Hammer?

  So, okay, it doesn't matter.

• 16:20Speaker 04

  She sat there and just was pretty much making it to where it seemed like we were going to get divorced if or she was just going to be pissed at me for the rest of our marriage just because she really wanted to be able to come out here and go on to the show.

• 16:32Caleb Hammer?

  Why do you need to drag him on? What's going on?

• 16:34Speaker 03

  We have a decent amount of savings, but we have this lump sum of money that we have to pay by November thirty first for the mortgage. And I have a bunch of like other things that you're going to get into and I just want to figure out like.

• 16:48Caleb Hammer?

  What's the lump sum?

• 16:49Speaker 03

  It's like twenty eight thousand.

• 16:50Caleb Hammer?

  Twenty eight thousand?

• 16:51Speaker 04

  Yeah.

• 16:52Speaker 03

  Yeah.

• 16:52Caleb Hammer?

  Okay, well, to drag him here specifically.

• 16:55Speaker 03

  To figure out like how to do it.

• 16:57Caleb Hammer?

  Money.

• 16:58Speaker 03

  Well, he will when he's out of.

• 16:59Caleb Hammer?

  By the time this is due though, barely. I mean, he would get what a half a week of income, maybe?

• 17:04Speaker 03

  Right.

• 17:04Caleb Hammer?

  So like, again, he's saying like you dragged him here. You forced him. What is the big threat?

• 17:10Speaker 03

  It's still our stuff. Like he has to be involved in some of the things.

• 17:13Caleb Hammer?

  How's the dynamic in the household?

• 17:16Speaker 04

  Goes up and down. I'll definitely say, especially with everything, but as of right now, she kind of like controls a lot of stuff that deals with it, especially because I'm in school. She tries to kind of controls everything.

• 17:29Caleb Hammer?

  Why are you such a little simp bitch?

• 17:32Speaker 04

  Sometimes to me, it's easier to sit there and just let her say what she wants to say rather than.

• 17:38Caleb Hammer?

  Say, sure, but what about the actions? Her controlling, controlling the money and all that good stuff.

• 17:43Speaker 04

  I am under control of money because I also, again, like I said, I don't sit there and work. So all the money is hers. So as long as I sit there, have money, be able to go to school for gas, then it's up to her really what she does.

• 17:56Caleb Hammer?

  So you don't care?

• 17:58Speaker 03

  It's not just that. So we have a joint account. And we never had money when we were living in the house, when we had people renting our rooms. We just never, ever, ever had money in the accounts. And I was like, what the is going on? So I would look at it and it's gas station, gas station, buying shit on my phone, buying shit on my phone for my game. So I told him that that shit had needed to stop and guess what? Didn't stop. So I took his debit card away. I said, you're done. I said, you're not spending any money at all.

• 18:29Caleb Hammer?

  Which by the way, yes, you're doing bad behavior, but she fully just takes your debit card away and you're like, hmm, okay.

• 18:33Speaker 04

  No, it wasn't a straight acceptance. We got into a big argument about it and I was like, I could sit there, just take the card off my phone.

• 18:41Speaker 03

  Savings now.

• 18:42Speaker 04

  I sat there, said we could sit there.

• 18:44Caleb Hammer?

  Savings and why the we not paying our mortgage every?

• 18:46Speaker 03

  Cause we have this lump sum to pay.

• 18:49Caleb Hammer?

  I got that.

• 18:49Speaker 04

  So it's saving for that lump sum is the whole.

• 18:51Caleb Hammer?

  Yeah, it's gonna take a lot. I meant before, but yeah.

• 18:54Speaker 04

  But I was, because I worked, I used to work outside for a living, out in the heat, everything like that. I mean, Florida can get to a hundred and ten, hundred fifteen degrees with humidity and so does here, which I know.

• 19:07Caleb Hammer?

  Is that what you do? The whole south.

• 19:09Speaker 04

  When I worked outside, we would never really get drinks from the store for me to really take with me.

• 19:14Caleb Hammer?

  Why? I mean, that's easy. Go to the store.

• 19:16Speaker 04

  Or that's where I was getting at.

• 19:17Caleb Hammer?

  Well, that's different.

• 19:19Speaker 04

  Well, not always. There was a long time where we weren't getting me stuff. Not until you noticed I was spending a lot of money at the gas station on drinks. Then you sat there, started buying me drinks and then it was new and I.

• 19:32Caleb Hammer?

  You have no ability to advocate for yourself?

• 19:35Speaker 04

  Well, she would always do the grocery shopping because I was working fifteen, sixteen hours a day back then. So I didn't.

• 19:40Caleb Hammer?

  And you can't ask?

• 19:42Speaker 03

  Well, whenever I ask him what he wants from their grocery store, he tells me he wants buffalo sauce.

• 19:46Caleb Hammer?

  Exactly. Like, what the are we doing, dude?

• 19:47Speaker 03

  That's it.

• 19:48Speaker 04

  And sweet tea.

• 19:49Speaker 03

  That's it.

• 19:50Caleb Hammer?

  My girl's the one who goes to the grocery store. I, I haven't been in a grocery store in forever now. She takes care of that shit. But I still get water bottles and I keep water bottles in my trunk just in case, like, you know, whatever.

• 20:00Speaker 04

  That's what I started doing and I started getting a case of water. Yeah.

• 20:04Speaker 03

  But he's still paid for it anyway.

• 20:06Speaker 04

  Because I didn't like to just drink in water. Cause it's just very plain. I wanted Gatorade.

• 20:10Caleb Hammer?

  I don't give a shit what you want though, do I? Like, I'm trying to keep you alive.

• 20:14Speaker 03

  Yeah, he complains about being dehydrated and.

• 20:17Caleb Hammer?

  Well, he is out there in the Florida sun and heat and humidity and all that stuff. He does need electrolytes for what it's worth. So I mean, Gatorade's not the worst.

• 20:24Speaker 04

  I would get a whole bunch of Gatorade and.

• 20:26Speaker 03

  Yeah. But you wouldn't get a whole bunch. You would get like three every single day. And then you get hungry and not bring the lunches that I made you and then go and buy pizza or this or that at the gas station.

• 20:36Caleb Hammer?

  Do you feel like a child in this relationship with the way she treats you?

• 20:39Speaker 04

  Sometimes, yeah. There definitely, there are times where she makes me feel like I'm just a little kid and I'm like, we actually got in an argument about it.

• 20:45Caleb Hammer?

  You're on a reverse card.

• 20:49Caleb Hammer?

  Yeah.

• 20:50Speaker 03

  Well, don't act like it.

• 20:51Caleb Hammer?

  You guys, I know you, okay, you didn't do anything and all that good stuff, but you guys, you've been into each other for a long time now.

• 20:58Speaker 03

  Yeah.

• 20:58Caleb Hammer?

  Sixteen and all that good stuff. Got it.

• 20:59Speaker 03

  Yeah.

• 21:00Caleb Hammer?

  Why the are you putting up with someone owning you?

• 21:06Speaker 03

  That's how marriage works. I have a receipt.

• 21:07Caleb Hammer?

  Owning?

• 21:08Speaker 03

  Yeah, I own him. I own him.

• 21:10Speaker 04

  I own you and I also own her.

• 21:12Caleb Hammer?

  She says that.

• 21:13Speaker 03

  Yeah.

• 21:14Speaker 04

  And I also.

• 21:14Caleb Hammer?

  Okay, except you don't get any ownership. She just controls you.

• 21:19Speaker 04

  Yeah.

• 21:20Caleb Hammer?

  And you don't push back?

• 21:21Speaker 04

  I do sometimes, but then.

• 21:23Caleb Hammer?

  What does it look like when you push back?

• 21:25Speaker 04

  Depends. Sometimes it's, she just gets upset with me and then sometimes I get right back at her and I'm just, I'll just shut down because she'll sit there and just make me feel like a piece of shit or something. So and I just say, all right, whatever. I was like, okay, just to try to stop it and.

• 21:42Speaker 03

  Which I don't understand because I try and have conversations with him about money, about household things, about whatever. And he just throws his hands up and goes, well, I'm just a shit husband. I'm just a piece of shit.

• 21:51Caleb Hammer?

  Well, I mean, I've talked to you for twenty-three minutes. I hate speaking with you as well. So I mean, surprised you haven't killed yourself yet. Please don't.

• 21:57Speaker 03

  Don't give him ideas. I don't have life insurance on you yet, so don't do that.

• 22:01Caleb Hammer?

  Okay, oh, okay. Back to you guys.

• 22:04Speaker 03

  Okay.

• 22:05Caleb Hammer?

  How often are you guys fighting about this, especially about the finances and all this stuff?

• 22:09Speaker 03

  Well, it's more so I stress about it like every day. And then every once in a while, he'll just get pissed off. He's like, oh, you talk about his money. All you care about is money. And I'm like, no, it's not that I only care about money. It's that we owe thirty thousand dollars just to the mortgage that we're behind on. Like, that's kind of a big factor in our lives. Like, we have a child, we want to have more. Like, how can we be behind on shit?

• 22:33Caleb Hammer?

  And you want to have more with someone who won't treat you like an adult? That's crazy. What is wrong with you?

• 22:40Speaker 04

  There's a lot.

• 22:41Caleb Hammer?

  Great.

• 22:42Speaker 04

  But no, it's one of those, I love her no matter what. And there's not always that she treats me as a child.

• 22:48Caleb Hammer?

  Are you desperate?

• 22:49Speaker 04

  Some things, no.

• 22:50Caleb Hammer?

  What the then why do you love someone that treats you like a child?

• 22:53Speaker 04

  She doesn't always treat me like a child. Yes, there are times where she does.

• 22:56Caleb Hammer?

  Very frequently, it sounds like.

• 22:57Speaker 03

  It's just about money, though.

• 22:58Caleb Hammer?

  Oh, like one of the most important things in our entire life, keeping roof overhead and all that.

• 23:03Speaker 03

  Yeah. And that's why.

• 23:04Caleb Hammer?

  So it's just about money, that's all.

• 23:06Speaker 03

  That's why he took his shit away.

• 23:07Caleb Hammer?

  Yeah, that's insane. He's not a toddler that you're grounding from Xbox.

• 23:12Speaker 03

  Kinda.

• 23:13Caleb Hammer?

  Yeah, exactly. That's what I'm trying to say.

• 23:16Speaker 03

  Yeah. Well, he needs to stop spending all of our money on.

• 23:19Caleb Hammer?

  That'll never change his actual behavior, though. You guys have to build budgets together. You need to discuss things. You need to get on the same page. And if you guys aren't on the same page, well, that's one of the leading causes for divorce in this country.

• 23:30Speaker 03

  Better when I have his balls in my purse.

• 23:32Caleb Hammer?

  Okay.

• 23:33Speaker 03

  It's so much easier when I just deal with everything and he goes to work and comes home.

• 23:37Caleb Hammer?

  Though, because he'll, again, never, that means you need to have your, his balls in your purse for the rest of your life. Instead of, instead of him actually.

• 23:44Speaker 03

  That's the plan.

• 23:45Caleb Hammer?

  What? Instead of him growing up and being able to produce and contribute to the house?

• 23:49Speaker 03

  No, that's the plan.

• 23:50Speaker 04

  The plan is just for me to sit there, be working all the time.

• 23:54Speaker 03

  And I do everything. I take care of the kids, the house, the bills, everything. He just goes to work, gives me his checks and then comes home to.

• 24:03Caleb Hammer?

  Is that how you envision it? Is that what you would like to see?

• 24:05Speaker 04

  My thing is for her to sit at home, take care of the kids and stuff, and me be out working, yeah.

• 24:09Caleb Hammer?

  Okay, but taking control of everything? The bills, you just hand your money?

• 24:13Speaker 03

  Yeah.

• 24:14Speaker 04

  To me, it is easier for her to take care of the bills because especially when.

• 24:18Caleb Hammer?

  With her controlling your debit card and everything.

• 24:20Speaker 04

  Well, no, that I hope will change eventually.

• 24:23Caleb Hammer?

  That's crazy. I hope will change.

• 24:26Speaker 03

  When he starts working, he'll get like an allowance some out and then he can spend whatever he wants on that.

• 24:33Caleb Hammer?

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

• 25:14Caleb Hammer?

  out of debt. And here's the thing, there's no minimum credit score required. They're not here to judge you. They're not here to shame you. They're here to help you get out and help you save more. Pay off your debt faster and start putting money back in your pocket. This is a company that is A plus rated by the Better Business Bureau, boasts thousands of five star reviews on Google and holds a five star rating on TrustPilot. That legitimately matters. Here's the thing, if I needed help paying off debt, this is exactly where I'd go for help. You're just thirty seconds away from being debt free with PDS Debt. Get your free assessment and find the best option for you right now at PDSdebt.com/hammer. That is PDSdebt.com/hammer. PDSdebt.com/hammer. You suck with money, so you download a budgeting app. You start with the classic one, YNAB, but everyone just

• 25:55Caleb Hammer?

  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. They'll play these people just like you for people just like you. No private equity, no gimmicks, just the best budgeting app there is. Download it now, start the free trial, dollarwise.com, link in the description below.

• 26:39Caleb Hammer?

  Were you guys not raised properly? What the is this? Did you guys' parents, were they like abusive or something? Like, what the?

• 26:45Speaker 03

  Yeah.

• 26:45Speaker 04

  What about it?

• 26:46Caleb Hammer?

  Oh, there we go. I think we've learned something right there. Yeah, no shit.

• 26:51Speaker 04

  Yeah.

• 26:51Caleb Hammer?

  But you guys are okay with this. No shit. What the is wrong with you?

• 26:56Speaker 03

  It's like a trad wife.

• 26:57Caleb Hammer?

  No, a trad wife is usually more submissive. Trad wife doesn't destroy and control her husband and destroy his ego and beat him down to nothing.

• 27:05Speaker 03

  Too. So I have like that asshole blood in my body.

• 27:10Speaker 04

  She's a Italian New Yorker.

• 27:12Caleb Hammer?

  Good. And you're okay with that?

• 27:14Speaker 04

  I'm kind of the backwoods countries.

• 27:16Caleb Hammer?

  Backwoods countries are pathetic.

• 27:18Speaker 04

  No.

• 27:19Speaker 03

  Well, no, he does like all the stuff with his hands.

• 27:21Caleb Hammer?

  That's good. I don't understand her taking your debit card, though.

• 27:25Speaker 04

  That one we still usually fight about, so.

• 27:27Caleb Hammer?

  Yes, that's clearly the topic I'm talking about.

• 27:29Speaker 03

  I'm not gonna let you buy some bullshit with my money when we're behind on shit.

• 27:33Speaker 04

  That's why I say I don't say much about it. But when I do start working, that's where things can be different.

• 27:37Speaker 03

  That's why when you start working, you'll get your allowance and then you can buy whatever bullshit you want with it.

• 27:41Caleb Hammer?

  How do you feel about her relationship with money and how she's controlling it?

• 27:46Speaker 04

  The only thing I like is that I do know that usually she sits there and is pretty good, like, hey, we need to save this. She's pretty good at making it.

• 27:53Caleb Hammer?

  She's six months behind on mortgage. She's the opposite of good. But either way, how do you feel about the dynamic? You feel like she cares about money more than your relationship?

• 28:02Speaker 04

  Sometimes, yeah. Sometimes I feel like she definitely lets it get more in between us than anything.

• 28:08Caleb Hammer?

  Is it ruining the love, ruining the magic?

• 28:10Speaker 04

  Uh, sometimes, yeah, because there'll be times where she gets extremely stressed about it and what kind of seems like it takes it out on me rather than on just like us being able to sit and talk about it.

• 28:22Speaker 03

  I don't know. I try and talk to you and you just throw your hands up.

• 28:24Speaker 04

  You sit there and say about how things are my fault.

• 28:27Speaker 03

  Like what?

• 28:28Caleb Hammer?

  What is she saying is your fault?

• 28:29Speaker 04

  You'll sit there and be like, oh, well, if you weren't sitting here buying drinks at the gas station, you might have an extra ten bucks to put in to something or.

• 28:40Speaker 03

  It's not ten dollars. If it was ten dollars, I wouldn't care.

• 28:42Speaker 04

  I was meaning a day. You have an extra ten bucks a day to be able to sit there and give me, put into something.

• 28:48Speaker 03

  That's hundreds of dollars a month. You know that, right?

• 28:51Speaker 04

  Yeah, it's also my health and safety.

• 28:54Speaker 03

  It's not your health and safety.

• 28:56Speaker 04

  For being diabetic outside, outside working.

• 28:59Speaker 03

  I can buy cases of water and cases.

• 29:02Speaker 04

  Water doesn't do anything for a diabetic that's sweating his ass off every single day.

• 29:07Speaker 03

  Gatorade at Costco.

• 29:09Speaker 04

  And you don't.

• 29:09Speaker 03

  It'll be a lot. Because you don't take it with you anyway.

• 29:13Speaker 04

  I used, I.

• 29:13Caleb Hammer?

  Put it in his car.

• 29:15Speaker 04

  Yeah, I just put it in the truck and I would take it.

• 29:17Speaker 03

  It's my responsibility to put shit in his car.

• 29:18Caleb Hammer?

  No, but if this is your big bitch and moan, then, uh, you can help. I mean, aren't you controlling his every move?

• 29:25Speaker 03

  Yeah.

• 29:26Caleb Hammer?

  I mean, this is right in that subscription.

• 29:28Speaker 03

  I guess I could, but I feel like I do everything else. Like.

• 29:32Caleb Hammer?

  And this is where you draw the line, opening the trunk?

• 29:35Speaker 03

  He doesn't have a trunk. He's a truck. There's no trunk.

• 29:38Caleb Hammer?

  In the back of the truck.

• 29:42Speaker 03

  If it's not in front of his face, he won't eat it or drink it. So if I put it in the back, he won't see it. He won't know it's there or he'll forget that it's there and then go to the gas station anyway. And the shit will sit back there until it gets back.

• 29:52Caleb Hammer?

  Making him feel about your relationship, though. How this is putting him down. How he feels like the magic and love is going away because of how you treat him, because of how you rate him, because of how insane and crazy you are.

• 30:07Speaker 03

  Well, he knew that getting into the marriage, he knew that I was a crazy bitch.

• 30:10Caleb Hammer?

  When he's expressing how it is damaging the relationship now. You don't care?

• 30:15Speaker 03

  No, I do care.

• 30:16Caleb Hammer?

  Do you? Because you don't.

• 30:18Speaker 00

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• 30:43Caleb Hammer?

  Stop!

• 30:43Speaker 03

  I do care, but when I'm drowning in debt-

• 30:45Caleb Hammer?

  Then why don't you do shit?

• 30:46Speaker 03

  Because I'm drowning in debt and we have a kid.

• 30:48Caleb Hammer?

  Okay, so this is already a problem. Why make it a bigger problem between you two? Why destroy your relationship?

• 30:55Speaker 03

  Because I'm not letting him get his bullshit-

• 30:56Caleb Hammer?

  He didn't say that. He says how you approach him. When you're stressing with finances, you go in and you berate him.

• 31:02Speaker 03

  It's stressful. I don't, I mean, like, I just, like, I feel like I try and bottle it up so I don't bring it up all the time-

• 31:08Caleb Hammer?

  So if he gets stressed at work, he should be able to come home and berate you.

• 31:10Speaker 03

  If he wants to.

• 31:12Caleb Hammer?

  Really? That's how a good, healthy relationship is?

• 31:14Speaker 03

  If he wants to come and vent-

• 31:15Caleb Hammer?

  Vent? Or is she just venting to you?

• 31:17Speaker 04

  No, not usually, but I know, I know how she- I know how she is, so that's why a lot of times when she tries to talk to me about it, I just shut down because I know she's not meaning to come at me that way, but she's just so stressed about it.

• 31:32Caleb Hammer?

  Maybe she is. How can you even say she's not?

• 31:35Speaker 04

  Because-

• 31:35Speaker 03

  Because he knows my heart. That's not right.

• 31:37Caleb Hammer?

  I don't trust your interpretation. How is it when she comes to you? What does she do?

• 31:42Speaker 04

  So usually, it could, depends on exactly what this time that she's stressing about with it.

• 31:48Caleb Hammer?

  Money.

• 31:48Speaker 04

  But usually she just comes at it to where she's like, "Man, we're, we're so far behind, behind. I don't know if we're gonna be able to make it." I'm like, "Babe, I'm about to be ending school." I was like, "If you," I was like, "I can end school now." I was like, "I could end now and I can just put a pause on it and come back to it because it's, it's an hour-based course."

• 32:07Speaker 03

  No, you still need to attend.

• 32:08Speaker 04

  We need to, we need to test, but it's based on the hours that were there. So I could sit there, take a break, and come back to it when we are better.

• 32:17Speaker 03

  You only have a certain amount of time after your graduation date to go back to it.

• 32:22Speaker 04

  But it sits there and makes it to where, when I try to say anything about it, that she just ends up being like, "No, you're almost at the end of it. Just go and do it." And I'm like, "Just let me go work because you're stressed so much about money." I was like, "Let me just go get a daytime job, or I could just sit there and just switch to nights." It's gonna take longer for me to finish because there's less hours I could do at night, but I could sit there and switch completely and just get a daytime job.

• 32:49Speaker 03

  But I'd rather you be done with school and actually just go get your job and make more money than try and getting a job at McDonald's or the gas station or whatever and you, like, pushing your schooling time out even longer.

• 33:01Caleb Hammer?

  How quickly could you have done it if you went just full steam at all times?

• 33:04Speaker 03

  That's what he's doing now.

• 33:05Speaker 04

  That's what I'm doing right now. So it's like, I'm almost towards the end of it.

• 33:07Speaker 03

  It'll be done in a couple months.

• 33:08Caleb Hammer?

  I mean, kind of. I mean, I agree or disagree. The disagree is you guys can't pay your mortgage and you're gonna lose a house. Like, that's where, like, that's not an option anymore. I'll get you a course career certification and, uh, the trades as well. I believe there's some extra to back up what you're doing. A lot of people in the audience have converted those into six-figure jobs. Highly recommend course careers.

• 33:28Speaker 04

  Yeah, I've been looking at a whole bunch of different courses I wanna go into.

• 33:30Caleb Hammer?

  I'll get you one for free, so there you go. But the thing is, in the end, you wanna back off, be a stay-at-home mom, take care of everything and have them provide-

• 33:39Speaker 03

  Back off?

• 33:40Caleb Hammer?

  Your job.

• 33:41Speaker 03

  Oh, yeah. I thought you meant off of, like, all the bills and my stuff.

• 33:46Caleb Hammer?

  My question is, how do you trust this man to be a provider? He's a pathetic wuss!

• 33:57Speaker 03

  Because he's a man, like you said.

• 33:59Caleb Hammer?

  No, he's not. He's not-

• 34:00Speaker 03

  Yes, he is.

• 34:01Caleb Hammer?

  Really?

• 34:01Speaker 04

  Yeah, I know my dad is.

• 34:02Caleb Hammer?

  Where's the demonstration? I haven't witnessed any behavior here that sounds like someone that can go out and get shit did.

• 34:09Speaker 03

  Well, anytime that we have any problems at the rental with the water, the AC, the whatever, he goes there and fixes it.

• 34:15Caleb Hammer?

  If I'm not mistaken, I believe I read before that when you guys got together, he couldn't even provide and put a roof over your head. You guys were homeless.

• 34:21Speaker 04

  That was for a whole bunch of things that we're not talking about because of-

• 34:27Caleb Hammer?

  You were homeless, though.

• 34:28Speaker 04

  Situations that have happened in the past, yes.

• 34:29Caleb Hammer?

  Great. But if you're a provider, you could get a roof over the head. You were fucking homeless. That's insane.

• 34:35Speaker 03

  He didn't have a job at the time when we were-

• 34:36Caleb Hammer?

  Great. What a good provider. Do you not understand the example that I am making here based on your history?

• 34:42Speaker 03

  That's why he's in school.

• 34:43Caleb Hammer?

  Okay, people work without being in school, though.

• 34:45Speaker 03

  I know.

• 34:46Caleb Hammer?

  So this is not the person I'm trusting to be the provider. He is not very good at being a man.

• 34:51Speaker 04

  Okay.

• 34:51Speaker 03

  I trust him.

• 34:52Caleb Hammer?

  How? You guys were homeless when you first got together, which was not that long ago, by the way. But either way, when were you homeless?

• 34:58Speaker 03

  Last year. We were homeless for almost a year. So, so we had-

• 35:04Caleb Hammer?

  Wait, you owned a house, though?

• 35:06Speaker 04

  Yeah, but, so she sat there, she had people renting at the time, and she actually chose to be homeless with me. So I sat there, I-

• 35:15Caleb Hammer?

  You suck!

• 35:16Speaker 04

  No, I sat there and I yelled at her.

• 35:18Caleb Hammer?

  Oh, that's good.

• 35:19Speaker 04

  Because I didn't want her to be staying in the truck with me. I wanted her to stay with her.

• 35:25Speaker 03

  Well, yeah, where do you think homeless people sleep?

• 35:27Caleb Hammer?

  Tents?

• 35:28Speaker 04

  No, I sat there-

• 35:28Speaker 03

  You want us to get a tent on the side of the road instead of in our car?

• 35:31Caleb Hammer?

  I don't want you to be homeless. What the fuck are you talking about? I don't want that. I was assuming.

• 35:35Speaker 04

  Babe, let me finish. So we sat there and made it to where I was, because of some situations that happened.

• 35:44Caleb Hammer?

  What?

• 35:45Speaker 04

  I was living with my sister. She ended up-

• 35:49Speaker 03

  She kicked him out because of our age gap.

• 35:51Speaker 04

  Of our age gap and stuff, yeah.

• 35:52Speaker 03

  She didn't like that I was dating her.

• 35:54Caleb Hammer?

  You were 19.

• 35:56Speaker 04

  Yeah, but I was 30.

• 35:57Speaker 03

  Yeah, she didn't like it. She didn't agree with it, so she kicked him out.

• 36:01Speaker 04

  And then that made it to where I was homeless and I sat there and I was like, "All right, well, I'm gonna start saving money to be able to get into a place." Because at first I was trying to pay off debt.

• 36:14Caleb Hammer?

  I feel like I'm missing something. I feel like, okay, I don't feel like she'd kick you out from 19, but, okay.

• 36:19Speaker 03

  Well, she did.

• 36:20Caleb Hammer?

  What about your parents? Why don't you guys live with your parents then?

• 36:22Speaker 04

  Because dad doesn't like me because we were friends-

• 36:25Speaker 03

  Yeah.

• 36:26Speaker 04

  Before, and then-

• 36:27Caleb Hammer?

  Well, you were friends with her dad?

• 36:29Speaker 04

  Well, we were in a bowling league together, so we used to drink and stuff in the bowling league together.

• 36:33Speaker 03

  Yeah.

• 36:34Caleb Hammer?

  And she saw, and he saw you guys being friends for so long.

• 36:38Speaker 04

  At 19, me and her got together and he did not like it.

• 36:43Speaker 03

  Yeah.

• 36:43Caleb Hammer?

  Not unfair.

• 36:45Speaker 04

  No, it's not unfair, but-

• 36:46Speaker 03

  I mean, it was shitty to make me homeless at 19, but-

• 36:49Speaker 04

  But that was also a good choice.

• 36:50Caleb Hammer?

  It's your choice. You go work, dude. Like, I don't know.

• 36:53Speaker 04

  You could have also sat there and stayed with them. It's just because they didn't want me there is the only-

• 36:58Caleb Hammer?

  And also you owned a house, so like, what the fuck are we talking about?

• 37:00Speaker 03

  Well, yeah, because I couldn't afford the mortgage, so I couldn't afford the mortgage on my own.

• 37:04Caleb Hammer?

  I'm just saying there was a, there was many options you could choose.

• 37:08Speaker 03

  No, no. When I was with my, my ex-fiance, he was paying the mortgage pretty much.

• 37:13Caleb Hammer?

  Gotcha. Wonderful.

• 37:14Speaker 03

  And then he left and I couldn't afford it anymore, so my savings drained.

• 37:17Caleb Hammer?

  You could rent out rooms, and here's the thing, let's pretend you couldn't even do that. You could get a job, work full-time, and pay for a roof over your head.

• 37:23Speaker 03

  My mortgage is over $3,000 a month.

• 37:25Caleb Hammer?

  And how much were you collecting in rent?

• 37:27Speaker 03

  I, no, I didn't. I had one of my rooms being rented.

• 37:30Caleb Hammer?

  Good, then you could have lived in another one.

• 37:31Speaker 03

  I did. And then I, but they left. Listen to me, they left and I couldn't afford it anymore, so I had someone rent out the whole house.

• 37:39Caleb Hammer?

  Good, then you could go rent a place of your own.

• 37:41Speaker 03

  And I left to go live with my parents, and they weren't paying the full mortgage, so I was still out, I think, 600 bucks a month.

• 37:47Caleb Hammer?

  And when your parents kicked you out, you could have got a cheap rent.

• 37:49Speaker 03

  I didn't have the down payment, though, for it.

• 37:52Caleb Hammer?

  Okay, but even government housing you could have applied for.

• 37:55Speaker 03

  Oh, probably. I have no idea about that.

• 37:56Caleb Hammer?

  See, there's always options!

• 37:58Speaker 03

  Yeah. I was 19. I don't know about government assistance and stuff.

• 38:02Caleb Hammer?

  What? You didn't have access to the internet? You're, I told you. Clearly she is. You can't say she isn't. If she can't use the internet at 19, that's kinda crazy. You know, maybe her sister's right. If she is too-

• 38:16Caleb Hammer?

  That's what I said, his sister.

• 38:17Speaker 03

  You said her sister.

• 38:18Speaker 04

  You said her sister.

• 38:18Caleb Hammer?

  Oh, sorry. Maybe your sister is right, though. If she's too to open her phone at 19, maybe she is too much of an infant to get with someone who's an adult.

• 38:28Speaker 03

  You know, you bitch at people all the time when they say, "Oh, I'm young, I'm still a kid," and now you're calling me an infant.

• 38:33Caleb Hammer?

  Based on you not being able to use the internet? I was making an example of how stupid you were being! And you're too stupid to even understand that! Like, what the fuck is wrong with you? Maybe you're still an infant today! Frontal lobe not fully developed? Oh, you are 21! Because you're acting like an idiot. You don't understand what I'm saying. Also, the mortgage is $2,200 a month. It's only 3,100 because of the poor parents.

• 38:53Speaker 03

  No, it's not. No, it was 228810. And then because my escrow account went negative, it went to $3,001.92 a couple months ago, I think.

• 39:04Caleb Hammer?

  No, because you were talking about the $3,100 mortgage and you were kicked out of your parents' house.

• 39:08Speaker 04

  Yeah.

• 39:09Speaker 03

  Well-

• 39:09Caleb Hammer?

  So shut the fuck up. You're a liar, you're an excuse maker, and you take no accountability. It doesn't matter, though. You said you couldn't afford 3,100. It wasn't that back then. It wasn't that number. You fuck, dude. You're just, refuse to take accountability, and you're a-

• 39:27Speaker 03

  You're a bitch.

• 39:27Speaker 04

  Calm down a little bit. I am very protective over her.

• 39:32Caleb Hammer?

  She was homeless, you freak!

• 39:34Speaker 04

  Yeah, she was.

• 39:35Caleb Hammer?

  Protective?

• 39:36Speaker 04

  No, she, I was homeless, not her.

• 39:37Caleb Hammer?

  Shut the fuck up!

• 39:38Speaker 04

  Or what?

• 39:39Speaker 03

  Shut the fuck up.

• 39:40Caleb Hammer?

  Oh, got me.

• 39:41Speaker 04

  Or what? What are you gonna do if I don't shut up?

• 39:46Caleb Hammer?

  Metal for fun. No one who's protective over their spouse like recruits them into homelessness. Freak protective over her. She's about to lose her house and you won't work.

• 40:00Caleb Hammer?

  Up protective protective. You can't even protect yourself against her. She owns you, you little cuck. Shut up.

• 40:08Speaker 03

  He owns me too. This shit's on paper.

• 40:10Caleb Hammer?

  Except there's nothing to show for that. You do everything you want to do and he does everything you want to do. So he doesn't own you in any way. There's nothing, there's nothing here of which he has ownership and control.

• 40:24Speaker 04

  Or who she could talk to, over what she could wear.

• 40:28Caleb Hammer?

  Oh yeah, he did choose this. I don't think a woman would, so.

• 40:32Speaker 04

  No, actually she chose that outfit, not me.

• 40:35Speaker 03

  I have a select few things that I'm allowed to wear.

• 40:39Speaker 04

  Few, just you're not allowed to be showing off your body.

• 40:43Speaker 03

  Right.

• 40:44Caleb Hammer?

  Trust me, no one wants to see that.

• 40:45Speaker 03

  No one wants to see yours.

• 40:47Caleb Hammer?

  I'm not showing it off.

• 40:48Speaker 03

  Neither am I.

• 40:50Caleb Hammer?

  I know, but he said you can't. No one tells me I can't. I just know not to.

• 40:54Speaker 03

  Well, you can't. I just did.

• 40:57Caleb Hammer?

  Okay, believe it or not, not every man that you talk to is gonna be a pathetic little bitch like him.

• 41:02Speaker 03

  If you say so.

• 41:04Caleb Hammer?

  Like follow your little rules. Who came and figured out how much her mortgage was a couple, like a year ago. A year ago, a year, you were wrong.

• 41:13Speaker 03

  No, it's twenty two eighty eight ten.

• 41:14Caleb Hammer?

  Earlier you said thirty one hundred when you were kicked out of your parents' house. When you were kicked out of your house. Yes, you said that.

• 41:21Speaker 03

  No, it was twenty two eighty eight ten.

• 41:23Caleb Hammer?

  That's not what you said.

• 41:24Speaker 04

  You did say it was thirty one hundred.

• 41:25Speaker 03

  So I screwed up. You've never screwed up in your life, but I know the numbers by the penny.

• 41:31Caleb Hammer?

  So how are the financial decisions made in this house? You just do?

• 41:34Speaker 03

  Yeah.

• 41:35Caleb Hammer?

  And he gets no input?

• 41:36Speaker 03

  Yep.

• 41:37Speaker 04

  That's especially what it was at first was I didn't even know what was going on. And I was actually pissed about it because I was like, especially when I was working, I was like, where's all my money going? It's like, what's getting paid? What isn't getting paid? Like, I'm still getting messages from collection things and from yours.

• 41:57Speaker 04

  Yeah, so she had me on like a couple of things and like everything was like, what is going on?

• 42:02Caleb Hammer?

  You're trusting someone who had collections and everything that you were on? That allowed you to co-sign on things that went to collections and you're trusting that person?

• 42:10Speaker 04

  Well, now that we sat here, we've been trying to get a lot of stuff and we have done stuff and gotten a lot paid off in the past. And now we're just trying to come here for help to try to be able to sit there and get like the rest and get.

• 42:21Caleb Hammer?

  That wasn't my question. You're trusting that. How? How does that person have trust that got you to co-sign on things that went to collections?

• 42:28Speaker 04

  Most of our bills are paid, just there are certain ones that couldn't because I ended up saying they're going back to school. They end up going into collections and stuff.

• 42:36Speaker 03

  Yeah, I have a car that got repo'd too.

• 42:39Caleb Hammer?

  Wow. Yeah, that's who we should trust to. Dude, she can't even take care of herself. What the fuck are we doing?

• 42:46Speaker 03

  I'm taking care of myself now.

• 42:47Speaker 04

  That's why now she says.

• 42:48Caleb Hammer?

  She's behind six months.

• 42:49Speaker 03

  I know, but I wasn't full time before.

• 42:51Caleb Hammer?

  You have nothing to stand on. Both of you are trying to stand on this high pedestal of your relationships, your morality, your manliness, your responsibility.

• 43:02Speaker 03

  He is very manly, you're right.

• 43:06Caleb Hammer?

  Uh huh. Okay, yes.

• 43:09Speaker 03

  At least you know.

• 43:15Caleb Hammer?

  Okay, yeah, great. Uh huh. So you guys are really trying to stand, put yourselves up there. You have nothing to stand on. Look at your entire life. You're pathetic. And you don't know what the fuck you're doing and you're controlling.

• 43:30Speaker 03

  I know what I'm doing.

• 43:33Caleb Hammer?

  You have nothing to stand on.

• 43:35Speaker 03

  Because the mortgage company didn't tell me that I needed my ex fiance's signature.

• 43:40Caleb Hammer?

  And the car company didn't tell you you had to pay the car and the collections that went to collections that he signed up for? Didn't tell you you had to pay those bills?

• 43:47Speaker 04

  The collection ones are definitely because I decided to go back to school and I.

• 43:51Speaker 03

  Yeah.

• 43:51Speaker 04

  It was my fault.

• 43:52Caleb Hammer?

  Everything just went to collections right now?

• 43:54Speaker 04

  Not too long ago, yeah. Stuff started going in collections.

• 43:58Caleb Hammer?

  Nothing from before?

• 44:00Speaker 03

  No.

• 44:00Speaker 04

  No.

• 44:02Caleb Hammer?

  When was your repo?

• 44:04Speaker 03

  Four months ago, I think.

• 44:06Caleb Hammer?

  Then why the fuck did you go through bankruptcy at nineteen?

• 44:08Speaker 03

  Oh shit.

• 44:10Caleb Hammer?

  Oh.

• 44:10Speaker 03

  That was supposed to be from then.

• 44:12Caleb Hammer?

  That's, oh, oh, what a troublesome thing to throw into the conversation.

• 44:17Speaker 03

  I know, I fucked up. I'm sorry.

• 44:19Caleb Hammer?

  Yeah, two, two years ago.

• 44:22Speaker 03

  So, two years ago, yeah.

• 44:23Caleb Hammer?

  And you did not change your behavior. You're there again. So no, don't try to put yourself on that high pedestal. You're not. You're not that guy.

• 44:32Speaker 06

  You're not that guy, pal. Trust me. You're not that guy.

• 44:34Caleb Hammer?

  You're not. You never will. Actually, you might be. I hope you do. Cause I was a fuck up too financially. I mean, it's a lot of ways. Everyone is, who isn't? But the thing is, don't try to pretend like you're the financial expert.

• 44:47Speaker 03

  Well, clearly not.

• 44:48Caleb Hammer?

  Yes, but you've tried to make it sound like you know what you're doing. You don't. Stop.

• 44:54Caleb Hammer?

  Like dude, I don't know, man.

• 44:58Caleb Hammer?

  You're literally renting a place when you own a house. You guys at least like the place you're renting in?

• 45:03Speaker 03

  No.

• 45:04Caleb Hammer?

  I mean.

• 45:04Speaker 03

  Well, I do.

• 45:05Speaker 04

  You do.

• 45:06Speaker 03

  I do.

• 45:07Speaker 04

  I didn't want to.

• 45:08Speaker 03

  Yeah, that was a.

• 45:09Caleb Hammer?

  Why?

• 45:10Speaker 04

  I wanted to stay in the house.

• 45:12Caleb Hammer?

  Well, yeah.

• 45:13Speaker 04

  And just have.

• 45:14Caleb Hammer?

  Which you guys can afford, by the way. I mean, you actually can afford that mortgage payment.

• 45:18Speaker 03

  Even after you put money away for taxes?

• 45:20Caleb Hammer?

  It stretched very hard. Listen, with you and your child tax credit at your income level. I know, but even with that, it's like, your tax bill is gonna be a little less at the end of the year. We're rewarding like you. This is how our society is built. So, and plus you're dual income household. I mean, at that point.

• 45:37Speaker 03

  How are we a dual income household?

• 45:39Caleb Hammer?

  With your dual income household, you filing jointly because he doesn't work, your income's a lot less.

• 45:45Speaker 03

  We don't file jointly.

• 45:46Caleb Hammer?

  Well, do.

• 45:48Speaker 03

  Okay.

• 45:48Caleb Hammer?

  Cause it'll make you guys look a lot better on paper. I'm helping you take advantage.

• 45:52Speaker 03

  Okay.

• 45:53Caleb Hammer?

  You even file taxes?

• 45:55Speaker 03

  Yes, every year.

• 45:57Caleb Hammer?

  Correctly?

• 45:58Speaker 03

  Well, no, but I file them.

• 46:02Speaker 03

  I have to start paying taxes next year.

• 46:04Caleb Hammer?

  And I hope, you gotta start paying taxes for the past few years.

• 46:08Speaker 04

  No, you got money back this year.

• 46:09Caleb Hammer?

  What do you mean you, yeah, but she hasn't done it correctly, she said. What do you mean you haven't done it right? Tell me.

• 46:14Speaker 03

  Well, because I have my ten ninety nine job that I make the six grand a month. And I was also working at a grocery store part time and that was a W two, so I only filed my grocery store income. So that I would get a little bit of a return.

• 46:28Caleb Hammer?

  And yet they are gonna get child tax credits and benefits and all those good.

• 46:32Speaker 04

  You also didn't get your ten ninety nine paperwork till after we did the.

• 46:36Speaker 03

  I've never, I've never gotten my ten ninety nine paperwork to file.

• 46:39Speaker 04

  No, you've never gotten it.

• 46:40Speaker 03

  But I could have asked.

• 46:40Speaker 04

  They never gave it to you.

• 46:41Caleb Hammer?

  Exactly.

• 46:42Speaker 03

  No, I know. No, I know. I know. I just didn't ask for it.

• 46:49Caleb Hammer?

  And this country, it's been a failed experiment. We've gotten too bloated and we don't care anymore and we just allow people like this to abuse the system. The only way that other countries have actual social benefits abroad is because the middle class pays substantial taxes.

• 47:02Speaker 04

  Yep.

• 47:03Speaker 03

  And I don't want to.

• 47:04Caleb Hammer?

  Okay, great. Doesn't mean you can just skirt the system. You have to pay your taxes. If I have to pay my millions, you gotta pay your taxes because I'm paying for your benefits.

• 47:14Speaker 03

  Yeah.

• 47:14Caleb Hammer?

  The child tax credits and shit you get because you decided to reproduce. That was your choice. I don't give a.

• 47:20Speaker 03

  You should give a, she's adorable.

• 47:22Speaker 04

  Where were you at before when you asked about the whole apartment?

• 47:25Caleb Hammer?

  You hate living in your apartment.

• 47:27Speaker 04

  Yes, I never wanted to go to the apartment. I wanted to stay in the house. I also don't really like people and I didn't want to be in an area where I had to be around people all the time.

• 47:34Caleb Hammer?

  You also have no say.

• 47:38Caleb Hammer?

  You actually do have a say, by the way. You just don't do anything because you're pathetic.

• 47:42Speaker 04

  No, there actually I didn't because she had the money to go to and already paid it. So what am I gonna sit and do?

• 47:47Caleb Hammer?

  Are you guys not together?

• 47:48Speaker 04

  I was working a lot then.

• 47:51Speaker 00

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

• 48:16Caleb Hammer?

  Yeah, but are you guys not one? Isn't that the thing? What do you mean her or money?

• 48:22Speaker 04

  Supposed to be, yeah.

• 48:23Caleb Hammer?

  Like, if you guys are trading, like, ownership and waiting until marriage, like, with that, oh, you didn't, like, stick it in the butter, grab it by the hand, or put it in the mouth?

• 48:32Speaker 03

  No.

• 48:33Speaker 04

  No, we actually waited till marriage.

• 48:35Speaker 03

  No, that's why we got married on our-

• 48:36Caleb Hammer?

  Not a single handjob?

• 48:37Speaker 03

  That's why we got married on our one-year anniversary.

• 48:40Caleb Hammer?

  People get married even quicker than that when they're, like, abstinent.

• 48:42Speaker 04

  I was also homeless at times, so it was one of those to where we didn't have a place to go.

• 48:46Speaker 03

  Well, we still got married when we were homeless.

• 48:48Caleb Hammer?

  I mean, you guys were sleeping in the truck together. I think it would accidentally slip in.

• 48:51Speaker 04

  No.

• 48:52Speaker 03

  How?

• 48:52Speaker 04

  Wow, we're in a public parking lot.

• 48:54Caleb Hammer?

  I was joking.

• 48:55Speaker 03

  Well, you're not funny.

• 48:56Caleb Hammer?

  People in that tight a space usually get into a tight space.

• 49:01Speaker 04

  No, we didn't.

• 49:01Speaker 03

  How would you know?

• 49:03Caleb Hammer?

  Because I [__] in a lot of cars. What are you talking about?

• 49:05Speaker 03

  Did you live in one, though?

• 49:07Caleb Hammer?

  No, because I'm not a pathetic loser.

• 49:08Speaker 03

  Okay, so it's comfortable.

• 49:09Caleb Hammer?

  Hey, I shouldn't say that. By the way, homeless people aren't pathetic losers. They're pathetic losers. I have to clarify before the internet breaks. I've seen people spend thousands of dollars trying to lose weight, and the only thing they lost was the money. From gym memberships to suspicious powders, everything that fails becomes a reoccurring cost that gets bigger and bigger, kinda like you. If I needed an idiot-proof weight loss plan that shrank my waist instead of my wallet, here's where I'd start. Weight Loss by Hims is designed to support you at every step of the process. And now, Hims offers access to an affordable range of FDA-approved GLP-1 medications, including the Wegovy pill and the Wegovy pen, so you can lose the weight and finally keep it off.

• 49:49Caleb Hammer?

  With Wegovy at Hims, lose up to 20% of your body weight when combined with diet and exercise. It helps you regulate your appetite, eat less, and keep weight off. Plus, Wegovy is the first ever GLP-1 pill for weight loss, so you don't need to worry about needles. Just connect with the licensed provider online to determine if treatment is right for you. If prescribed, your medication is delivered right to your door. No insurance necessary. Ready to reach your goals? Visit hims.com/hammer to get a personalized, affordable plan that gets you. That is H-I-M-S dot com slash hammer. Hims dot com slash hammer. Weight Loss by Hims is not available in all 50 states. Wegovy is the registered trademark of Novo Nordis AS. To get started and learn more, including important safety information, Wegovy clinical study information, and restrictions, visit hims.com.

• 50:34Caleb Hammer?

  If you or your child spent years growing up on social media and experienced serious mental health struggles, you should hear this. Recently, a jury ordered Meta and YouTube to pay millions for their role in designing and promoting addictive platforms. They knew their apps could contribute to anxiety, depression, and body image issues, but did not share those risks while prioritizing profits. The recent historic verdict underscores the consequences of those decisions. Now Morgan & Morgan is stepping up to hold these platforms accountable for the harm they caused. Click the link in my bio to take a short quiz. You may be entitled to a potential recovery of over $1,000.

• 51:13Speaker 03

  Yeah, I doubt-

• 51:13Caleb Hammer?

  Because they didn't need to be homeless. You chose homelessness. This was crazy.

• 51:17Speaker 03

  I had to be.

• 51:19Caleb Hammer?

  You're kicked out of your sister's place. Get a [__] up and get a house.

• 51:22Speaker 04

  I had a job, and I just didn't have the money saved to be able to put for the down payment and stuff.

• 51:26Caleb Hammer?

  If you stayed in a shelter, you could have done a lot of things.

• 51:28Speaker 04

  Yeah, but shelter, I was also driving to a whole nother section of Florida every single day in Bath.

• 51:34Speaker 03

  What was it, three hours there?

• 51:35Speaker 04

  Three and a half hours.

• 51:36Caleb Hammer?

  You can't do shelters. I don't understand.

• 51:37Speaker 04

  No, so I was just like, I-

• 51:38Caleb Hammer?

  All right, what do you guys think your combined Hammer Financial score is? Zero to 10, zero being the best?

• 51:43Speaker 03

  Zero being the best? You don't even know your own show.

• 51:45Caleb Hammer?

  Reverse. Zero being the worst.

• 51:47Speaker 03

  You're taking that out?

• 51:48Caleb Hammer?

  No, I'm saying reverse the scores. Zero being the worst, ten being the best.

• 51:51Speaker 03

  Okay, good. I want you to make sure you have it on video that you look like an idiot, too.

• 51:54Caleb Hammer?

  I don't care.

• 51:55Speaker 03

  And it's not just us. Okay, are you gonna do the one, two, three, go thing?

• 51:58Speaker 04

  No, it's probably two.

• 51:58Caleb Hammer?

  No, I haven't done that in, like, a year.

• 52:00Speaker 03

  What? Man, we're watching some old videos. Okay, zero.

• 52:04Caleb Hammer?

  If you watch your Hammer Financial score, it is free. It's been redone, where it's detailed in each category now, so check it out. Even if you've taken it before, it is free. It takes just a few minutes. CalebHammer.com. And if you don't want to be, like, guess who ended up on the show? They're gonna need a lot more help than this, but just download the download as budgeting app, take the free trial, see if it works for you. It works for most people. That's why, stick with it and take the annual version. It saves nearly 50% of your money, and you get the physical version of my 30-day meal plan, signed by me, mailed directly to you, and the digital version of the cookbook. Check it out. I can't believe you were crying about driving to work. Everyone who drives to fucking work-

• 52:40Speaker 04

  Was it crying about driving to work?

• 52:42Caleb Hammer?

  Yours isn't, and I hate you, so yours won't be.

• 52:45Speaker 04

  Where did I say I was driving? Shown.

• 52:48Caleb Hammer?

  So this mortgage.

• 52:50Speaker 03

  What about it?

• 52:50Caleb Hammer?

  Okay, so what's that number that you're gonna be owing? That big lump sum?

• 52:56Speaker 03

  $28,000.

• 52:57Caleb Hammer?

  November what?

• 52:57Speaker 03

  You have the exact number. Uh, November 31st.

• 53:01Caleb Hammer?

  Crazy. Okay, uh, we'll put a film date to this, so everyone knows that they're August 25th.

• 53:07Speaker 03

  Yeah.

• 53:08Caleb Hammer?

  So November 28th is 27,000-

• 53:13Speaker 03

  31st. 31st.

• 53:14Caleb Hammer?

  27,974.05. [__] me.

• 53:20Speaker 03

  Yeah.

• 53:21Caleb Hammer?

  And if it doesn't, if you don't?

• 53:23Speaker 03

  Then it'll, um, it'll go into my mortgage payments every month for 12 months. So the payment will be probably, like, $5,000, $4,500.

• 53:32Caleb Hammer?

  With interest accrued?

• 53:33Speaker 03

  No.

• 53:34Caleb Hammer?

  Then why not spread it across 12 months?

• 53:36Speaker 03

  Because it's a lot of [__] money a month, on top of rent.

• 53:38Caleb Hammer?

  It's the same amount of money. That's an interest-free loan.

• 53:41Speaker 03

  No, it's not interest-free.

• 53:42Caleb Hammer?

  You just said it wasn't baked in with interest.

• 53:45Speaker 03

  Well, not the arrears.

• 53:46Speaker 04

  Yeah, so that makes it an interest-free loan pretty much.

• 53:49Caleb Hammer?

  I want to clarify. The 28, there's 28,000. That's owed on November 20th, but if you don't pay on November 28th, they'll spread it across 12 months.

• 53:55Speaker 03

  Yes.

• 53:56Speaker 04

  It's about 45.

• 53:56Caleb Hammer?

  With no interest accruing on that 28.

• 53:58Speaker 03

  Yes.

• 53:59Speaker 04

  Yes.

• 53:59Caleb Hammer?

  Well, I don't understand. Do that.

• 54:01Speaker 03

  So do that, divide it by 12, and tell me what it is.

• 54:04Caleb Hammer?

  Okay.

• 54:04Speaker 03

  The 28,000, or whatever.

• 54:06Caleb Hammer?

  27,974.05 divided by 12, uh, $2,331.

• 54:11Speaker 03

  Okay, so now add $3,001.92.

• 54:15Caleb Hammer?

  But if you save up this money, okay, it doesn't even matter. Yes, you can make more money in a high-yield, whatever.

• 54:21Speaker 03

  Yeah, but that's, but that's just the mortgage, and now we have rent that we're renting at, too.

• 54:26Caleb Hammer?

  The same amount of money, you were gonna do it anyway, so it at least gives you a little extra wiggle room, having the money sitting in a savings and then paying it over 12 months.

• 54:33Speaker 03

  Is that what you suggest, instead of this lump sum?

• 54:34Caleb Hammer?

  Potentially, because literally it's a 0% interest-free loan. Now, you have to actually manage and actually pay it, and you refuse to actually pay bills because you're a [__] loser. But yes, if you can actually do it, then yes.

• 54:48Speaker 04

  She pays all the other bills, any-

• 54:50Caleb Hammer?

  She got her car repoed, went through bankruptcy two years ago, and has collections accounts. Shut the [__] up. You don't know what you're talking about.

• 54:55Speaker 04

  Other vehicles that we sit here pay every single month, mortgage that gets paid.

• 54:59Caleb Hammer?

  Oh, wow! Oh, incredible! That's so good! The basic minimum requirement. Well done. Shut the [__] up. Dude. What is wrong with you? You really were, like, raising a [__] wall.

• 55:11Speaker 03

  Do you think that we should try and pay this or let it foreclose?

• 55:15Caleb Hammer?

  What did I, when did I ever suggest foreclose?

• 55:18Speaker 03

  Well, no, I told you earlier, my mom suggested to have it foreclosed.

• 55:22Caleb Hammer?

  Don't listen to her. The average American's stupid with money. Even the swamp man agrees with me.

• 55:27Speaker 03

  Yeah. Well, because my ex-fiance is on the mortgage, so I could never sell it, and I couldn't ever do anything.

• 55:32Speaker 04

  We could refinance it eventually and get him off of it.

• 55:35Speaker 03

  It's hard to refinance, though.

• 55:37Caleb Hammer?

  It is. You're gonna have to have a pretty decent market recovery.

• 55:42Speaker 03

  Yeah.

• 55:43Caleb Hammer?

  Uh, which, you know, a lot of those, uh, big COVID markets where they built a lot of housing and stuff, which is good. Uh, housing prices have gone down.

• 55:51Speaker 03

  Yeah, it's like $30,000 less than, I think, when I bought it. Yeah.

• 55:55Caleb Hammer?

  It's about 50.

• 55:57Speaker 03

  Yeah.

• 55:57Caleb Hammer?

  Okay, um, okay, so what is, okay, payoff quote, 900, oh, sorry for your mortgage, yes, but your purchase price was higher. But your mortgage is $298,919.75, or 95 cents.

• 56:11Speaker 03

  Yeah.

• 56:12Caleb Hammer?

  And the normal monthly payment is, remind me again?

• 56:15Speaker 03

  $3,092.

• 56:18Caleb Hammer?

  Now, with the new escrow and everything. Okay.

• 56:21Speaker 03

  I get a new escrow analysis, uh, once I pay the lump sum, if I pay the lump sum.

• 56:25Caleb Hammer?

  Gotcha. Now, it'll add on top of it, which I might do, so it went up.

• 56:31Speaker 03

  Yeah.

• 56:31Caleb Hammer?

  What was it? Was it property taxes or insurance?

• 56:33Speaker 03

  It was property taxes, because I didn't file for homestead exemption, and it went through the roof.

• 56:39Caleb Hammer?

  And it went up $800 a month?

• 56:41Speaker 04

  Yes.

• 56:41Speaker 03

  Yeah.

• 56:42Caleb Hammer?

  There's no cap of what property taxes can be raised in the state of Florida?

• 56:45Speaker 04

  If you don't have the homestead.

• 56:46Caleb Hammer?

  Even without homestead, right?

• 56:47Speaker 03

  No, there's no cap. There's no cap unless you file for homestead.

• 56:51Caleb Hammer?

  You can homestead in taxes, but, in Texas, but even still, if the city tries to raise it more than a certain percent, it triggers an automatic, like, election.

• 56:58Speaker 03

  No, not in Florida.

• 56:59Caleb Hammer?

  That's insane. Ron DeSantis, get on top of that shit. What the [__] are you doing?

• 57:03Speaker 03

  That's why after that happened, I called them, and I said, "What the hell happened?" And they were like, "Oh, your taxes."

• 57:08Caleb Hammer?

  Because you're stupid.

• 57:09Speaker 03

  They said it was because of taxes, so I went and filed for homestead now, which doesn't help prior, but-

• 57:14Speaker 04

  It helps for next year, but not this year.

• 57:16Caleb Hammer?

  Yeah.

• 57:18Speaker 03

  Yep.

• 57:18Caleb Hammer?

  Okay, so forbearance, so, I mean, how close are we? The thing is, and this is what concerns me, I don't know how you're gonna be able to save up that much money in two months.

• 57:28Speaker 03

  Well, we have $10,000 right now, and I make six grand a month, and the people in the house give me $700 a month.

• 57:37Caleb Hammer?

  $700 is all you get?

• 57:39Speaker 03

  A week, a week, sorry.

• 57:40Caleb Hammer?

  Okay.

• 57:41Speaker 03

  That's $2,800 a month.

• 57:42Caleb Hammer?

  So all the [__], there is no reason why this is such a struggle for you.

• 57:46Speaker 03

  Because they weren't [__] for, now they're paying.

• 57:48Caleb Hammer?

  But as of three months ago, they've been paying, so still, the fact that it got an additional three months behind it is so [__] stupid. But either way.

• 57:56Speaker 03

  Because they told me I had to pay a lump sum from the first three months, and I didn't have it.

• 57:59Caleb Hammer?

  But three months, you didn't able to save up 10 in three months?

• 58:02Speaker 03

  It was $11,000 and change. You have it in there somewhere.

• 58:06Caleb Hammer?

  Hey, that doesn't hit our target. That does not hit our target in two months, if you keep that trend. You got rent on top of it, you have other bills, from the sounds of it, and this is a pretty thick stack. You do not hit that number in two months.

• 58:20Speaker 03

  Yeah.

• 58:20Caleb Hammer?

  Well, look, by the end of it, the budget will, the budget will tell all.

• 58:24Speaker 03

  Yeah.

• 58:24Caleb Hammer?

  But-

• 58:25Speaker 04

  So that's the thing about my school.

• 58:26Speaker 03

  Right, because his school-

• 58:29Caleb Hammer?

  Especially when you're doing things like Wayfair.

• 58:31Speaker 03

  Yeah. Yeah, that was kind of-

• 58:33Caleb Hammer?

  Child predator meet child selling network.

• 58:35Speaker 03

  No, that was my, that was my screw-up. So, we want to buy another house within the next year and kind of do rental properties and stuff.

• 58:46Caleb Hammer?

  That was a joke, by the way. I've taken a Wayfair sponsorship. I'll do it again.

• 58:50Speaker 03

  So, that was for some furniture for a house that we don't have.

• 58:55Caleb Hammer?

  Yeah, because no one will ever get [__] used furniture in the history of this show.

• 58:58Speaker 03

  Well, it was like a 4th of July sale, so I got, like, four beds for that price.

• 59:02Speaker 04

  It was six beds for that price.

• 59:05Speaker 03

  Was it six?

• 59:05Speaker 04

  Yeah, it was six beds.

• 59:07Caleb Hammer?

  Oh, I see more than just the Wayfair, though, right?

• 59:12Speaker 03

  For what?

• 59:12Caleb Hammer?

  Call up your Klarna.

• 59:16Caleb Hammer?

  So that was so hard when people don't

• 59:20Caleb Hammer?

  send a full everything.

• 59:25Caleb Hammer?

  Listen, I think this, I mean, it's pretty close to paid off, so I'm just gonna cross it out for now.

• 59:29Speaker 03

  Okay.

• 59:30Caleb Hammer?

  But that's just an indication again of things that you are.

• 59:33Speaker 03

  Pay by four.

• 59:34Caleb Hammer?

  Yes, this is what we are prioritizing, because that's like gonna be paid off by like now, which means at the time we did this, we already struggled to start paying our mortgage payment, or it was right around it anyway. So this is so

• 59:45Caleb Hammer?

  that we're prioritizing new furniture over paying for the roof over our kids had you were pregnant, you knew you were gonna have the kid.

• 59:51Speaker 03

  But this was before I knew about the issue with the forbearance.

• 59:55Caleb Hammer?

  Right there, though.

• 59:56Speaker 03

  I know, I know. It was right before.

• 59:59Caleb Hammer?

  Even still, the issue with the forbearance, well, it didn't even matter. You're struggling to pay your mortgage in general, and we're getting furniture on Klarna? Like, what are we doing? You have a kid. You have a kid coming at that point.

• 1:00:08Speaker 04

  Yeah, I didn't even know fully that was fully happening until it did.

• 1:00:12Speaker 03

  Yeah, I just ordered it.

• 1:00:13Caleb Hammer?

  Now, you might be one of the rare few examples of someone that actually needs a Ram 1500, carrying around your tools and equipment and stuff like that. That's fine. Do we get $30,000 one at 21.8% interest? No, you weirdo, what's wrong with you? We get the cheapest piece of shit we can.

• 1:00:31Speaker 03

  He had a piece of shit and it fell apart.

• 1:00:33Caleb Hammer?

  Exactly.

• 1:00:33Speaker 04

  I had one.

• 1:00:34Caleb Hammer?

  The clarification, the asterisks.

• 1:00:36Speaker 03

  Yeah.

• 1:00:37Speaker 04

  I sat there, had one, and it sat there and started breaking down a lot more, and we had a kid.

• 1:00:42Caleb Hammer?

  That's why I said one that's reasonable, again.

• 1:00:44Speaker 03

  Yeah.

• 1:00:45Speaker 04

  And that was, we were looking at other ones, and we were looking at a different one, and they wanted too much money.

• 1:00:51Speaker 03

  Yeah.

• 1:00:51Speaker 04

  So I said, no, let's go with this one that is cheaper.

• 1:00:55Caleb Hammer?

  Eighty-four month loan, good.

• 1:00:57Speaker 03

  Yeah.

• 1:00:58Caleb Hammer?

  Ah, like, why couldn't we get like a 2018?

• 1:01:02Speaker 04

  The one that we were looking at was a 2018, and it was more expensive.

• 1:01:05Caleb Hammer?

  Okay, what about 17, 16, 15?

• 1:01:07Speaker 03

  They didn't have.

• 1:01:08Speaker 04

  They have any others.

• 1:01:09Caleb Hammer?

  16?

• 1:01:09Speaker 04

  They have one.

• 1:01:12Speaker 03

  We should have got a 16 just because.

• 1:01:13Caleb Hammer?

  They didn't? Who's they?

• 1:01:15Speaker 04

  The dealership.

• 1:01:15Caleb Hammer?

  Good, go to more.

• 1:01:17Speaker 03

  Yeah.

• 1:01:17Caleb Hammer?

  You're in Florida. Go to Tampa, like, what, an hour and a half north?

• 1:01:20Speaker 04

  Try like two and a half, three hours.

• 1:01:22Caleb Hammer?

  Okay, congratulations, whatever. Dude, Dallas is longer than that. Shut up. From Austin, go to Miami, two and a half hours east. What are you doing? Go to more dealerships, you loser. That's the thing.

• 1:01:33Speaker 03

  Trucks are expensive, and he didn't want to not get a truck.

• 1:01:36Caleb Hammer?

  That's why you look for more. What? How does that? What counterargument is that to what I just said?

• 1:01:41Speaker 03

  Because trucks aren't usually that much money, at least not in Florida. They're usually like 60, 80,000, whatever. I'm sure you could find a cheaper one.

• 1:01:50Caleb Hammer?

  Yes, I can. I can.

• 1:01:53Speaker 03

  You and your stupid.

• 1:01:55Caleb Hammer?

  Yeah, me and my stupid internet, something you refuse to know how to use.

• 1:01:59Speaker 03

  That you need constantly with you on your show.

• 1:02:01Speaker 04

  It was one of those she wanted to sit there and see.

• 1:02:03Caleb Hammer?

  It didn't exist.

• 1:02:04Speaker 04

  Yeah, it didn't exist.

• 1:02:05Speaker 03

  It didn't exist? Oh, you're an old man, too.

• 1:02:07Caleb Hammer?

  Yes.

• 1:02:08Speaker 04

  We sat there and I was at school, and she sat there and just sent me a picture of a truck. And it's like, oh.

• 1:02:15Caleb Hammer?

  That was our shopping technique?

• 1:02:18Speaker 04

  Well, cheaper.

• 1:02:18Caleb Hammer?

  You're incredible. You're incredible.

• 1:02:21Speaker 03

  And he refused to get anything other than a truck. He wouldn't get any, like, smaller vehicle that was cheaper. He was like, no, I need a truck.

• 1:02:28Caleb Hammer?

  He does need this for his job. He is right about that. He is right about that, because here we go.

• 1:02:32Speaker 03

  And he doesn't graduate school for another few months.

• 1:02:34Caleb Hammer?

  Here we go. San Antonio, 2014 Ram 1500. It's at 18,000.

• 1:02:38Speaker 03

  How many miles?

• 1:02:39Caleb Hammer?

  Uh, 42,000.

• 1:02:41Speaker 03

  No way. Let me see.

• 1:02:42Speaker 04

  Where is it at?

• 1:02:43Speaker 03

  I mean, it doesn't matter now.

• 1:02:44Caleb Hammer?

  No, it doesn't, but it's just an example.

• 1:02:46Speaker 04

  That's here in Texas.

• 1:02:46Speaker 03

  Oh.

• 1:02:47Caleb Hammer?

  Yes, no, she, oh my gosh, these people suck.

• 1:02:50Speaker 04

  You could also look.

• 1:02:50Caleb Hammer?

  They pretend like only Texas markets. There's definitely none in the third most populated state in the country.

• 1:02:57Speaker 03

  Why can't you just type in Florida? You should know how your iPad works to type, go F L.

• 1:03:04Speaker 04

  That was one of those that she sat there and found.

• 1:03:06Speaker 03

  Regardless, it doesn't matter. We already have the loan, and we're so probably underwater with it that it's not even worth selling it because we just got it.

• 1:03:12Caleb Hammer?

  No, that's not the point. I'm talking about how you were getting those.

• 1:03:15Speaker 03

  Yeah, and you've been telling me that the whole show.

• 1:03:17Caleb Hammer?

  Yes.

• 1:03:17Speaker 03

  Get a different word, man.

• 1:03:19Caleb Hammer?

  No, because it completely, it completely defines you.

• 1:03:23Speaker 03

  Okay.

• 1:03:24Caleb Hammer?

  That is you.

• 1:03:25Speaker 03

  Okay, says you.

• 1:03:27Caleb Hammer?

  Says your behavior and choices.

• 1:03:30Speaker 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.

• 1:03:55Speaker 03

  You're how to fix it.

• 1:03:56Caleb Hammer?

  That's the show. $702.82 for someone that makes

• 1:04:04Caleb Hammer?

  zero. When did you get this truck?

• 1:04:06Speaker 04

  It was last month, because I'm gonna be graduating soon.

• 1:04:10Speaker 03

  Yeah, we just made our first payment on it.

• 1:04:12Caleb Hammer?

  Last month, when we were five months behind on our mortgage? We decided to get a car that is $702 a month for 84 months at a 21.8% interest, when our kid was a month old, when you bring in $0? You guys are the worst humans, parents, partners to ever exist. It's worth half of what you owe on it. It's worth 17.

• 1:04:37Speaker 04

  I was gonna sit there and fixing

• 1:04:39Speaker 03

  So why sell it?

• 1:04:40Speaker 04

  That old truck.

• 1:04:41Caleb Hammer?

  I didn't say sell it. I never once had the word.

• 1:04:44Speaker 03

  That's your whole thing.

• 1:04:45Caleb Hammer?

  When the math works.

• 1:04:47Speaker 03

  Yeah.

• 1:04:48Speaker 04

  The math doesn't work. That doesn't.

• 1:04:49Caleb Hammer?

  She is the worst. This is like you. You're a bad person. I don't like you.

• 1:04:53Speaker 03

  Thank you.

• 1:04:54Caleb Hammer?

  You're horrible.

• 1:04:55Speaker 03

  Thank you.

• 1:04:55Speaker 04

  But I was looking at possibly fixing that old truck, but all the stuff it was gonna cost to fix it.

• 1:05:01Speaker 03

  It was more than it was.

• 1:05:02Speaker 04

  More than what it was even worth.

• 1:05:03Caleb Hammer?

  Yeah, I wouldn't have a K for that either. That's why I was saying like the $18,000 type of truck.

• 1:05:07Speaker 04

  But that was the one to where you just sit there instead of, we needed one pretty quick.

• 1:05:11Caleb Hammer?

  Also, it didn't have to be a Ram. Maybe there was something cheaper. I don't know. The thing is.

• 1:05:14Speaker 04

  Well, no, so I sat there and I was actually looking. Um, I was gonna start looking, but.

• 1:05:19Caleb Hammer?

  He was gonna start looking, but so you weren't looking. You were gonna start looking.

• 1:05:22Speaker 04

  She went to there where I was at school.

• 1:05:24Caleb Hammer?

  One dealership.

• 1:05:25Speaker 04

  Yes, but I sat there and my truck actually broke down on me going to school one day, and I was on the side of the road trying to fix it.

• 1:05:33Caleb Hammer?

  How far was your school from your house?

• 1:05:34Speaker 03

  It's like an hour.

• 1:05:35Speaker 04

  About 45 minutes to an hour.

• 1:05:36Caleb Hammer?

  Okay, yeah, I'd rather you guys rent the car for a couple of months.

• 1:05:39Speaker 04

  That's a lot of money.

• 1:05:40Caleb Hammer?

  It is less money substantially than an 18, than a 21% interest rate on an 84-month loan.

• 1:05:46Speaker 04

  But then also renting a car.

• 1:05:47Caleb Hammer?

  Oh, my, these people, man. There's literally, that's the thing.

• 1:05:52Speaker 04

  You're just like another woman that sits there, doesn't let people finish talking, so.

• 1:05:55Caleb Hammer?

  It's my show, asshole.

• 1:05:57Speaker 04

  But you want to sit here and ask for opinions from people, and yet you don't want to let them talk.

• 1:06:01Caleb Hammer?

  Opinions?

• 1:06:02Speaker 04

  Or like they're what they're wanting to do, like, I'm saying to try and tell you about the truck.

• 1:06:06Caleb Hammer?

  What do I care about what you want to do? I care about you getting out of debt and live a better life, because I want to understand your perspective and then call you and then fix it.

• 1:06:13Speaker 03

  And then you don't let him answer.

• 1:06:15Caleb Hammer?

  Every single guest on this show, or not every single guest, but every single person that ends up in this situation, there is no other alternative than what they did. That is the issue.

• 1:06:25Speaker 04

  There was other alternatives. If you would have let me finish talking, I would have sat there and told you.

• 1:06:28Caleb Hammer?

  Because renting was clearly evil.

• 1:06:31Speaker 04

  But see, yeah, because to me, that was a lot of money to sit there and try to spend to every single, because you gotta think, how much is a rental a single day?

• 1:06:38Speaker 03

  We also tried to get a rental car, and they wanted a credit card.

• 1:06:42Speaker 04

  Yeah, and we were trying not to use credit cards, everything like this, and I don't, we didn't have great credit.

• 1:06:46Caleb Hammer?

  We don't have a credit card. At 21% interest.

• 1:06:49Speaker 03

  We don't have a credit card. They wouldn't give us a rental car.

• 1:06:51Caleb Hammer?

  You don't have a credit card?

• 1:06:53Speaker 03

  Not that's open.

• 1:06:53Speaker 04

  No, we got rid of them.

• 1:06:54Speaker 03

  No, I don't have a credit card.

• 1:06:56Speaker 04

  And I don't either. I can show you my wallet right now. I got nothing in it.

• 1:06:58Speaker 03

  Okay, just because it's not in your wallet doesn't mean you don't have one.

• 1:07:01Speaker 04

  But I'm just saying, like, I could, like, I could sit there and say, that's all I have in there. It's like, I don't sit, we don't have credit cards.

• 1:07:06Speaker 03

  Yeah, we don't have a single credit card in there.

• 1:07:08Caleb Hammer?

  Okay, there's family nearby, is there not?

• 1:07:10Speaker 03

  No.

• 1:07:10Speaker 04

  No, I don't.

• 1:07:12Speaker 03

  No.

• 1:07:12Caleb Hammer?

  Well, not you, her.

• 1:07:13Speaker 04

  Fuck.

• 1:07:13Speaker 03

  My parents, I haven't spoken to my father.

• 1:07:16Caleb Hammer?

  They won't even talk to you? I understand they kicked you out.

• 1:07:18Speaker 04

  My mom does, I mean, now, because he went with the credit. They won't help at all.

• 1:07:21Speaker 03

  My mom talks to me.

• 1:07:24Speaker 03

  But I'm gonna have asked them for help once, maybe twice, and they just refuse.

• 1:07:28Caleb Hammer?

  You have no friends?

• 1:07:29Speaker 03

  No.

• 1:07:32Speaker 03

  No.

• 1:07:34Caleb Hammer?

  I mean, I would have maybe even opened a credit card.

• 1:07:38Speaker 04

  I get denied for it.

• 1:07:39Speaker 03

  Caleb Hammer, open a credit card? Wow.

• 1:07:42Caleb Hammer?

  I love credit cards. What are you talking about?

• 1:07:43Speaker 03

  For people that don't know how to use them.

• 1:07:45Caleb Hammer?

  Do you watch the show? Yes, but I'm talking about saving literally, potentially, tens of thousands of dollars, right?

• 1:07:50Speaker 03

  Yeah.

• 1:07:50Caleb Hammer?

  Like, that's what we're discussing here.

• 1:07:52Speaker 03

  But when his truck dies on the side of the road, I don't want to have to try and figure out where or when I can get a credit card. When he has to go pick up the kid and the, and the car breaks down on the side of the road.

• 1:08:03Caleb Hammer?

  That is less convenient than buying a car, going through that entire loan process. Like, shut the fuck up.

• 1:08:07Speaker 03

  Well, no, I got, I went there one day and they hand me the keys.

• 1:08:10Caleb Hammer?

  Exactly. Okay, great. Okay, yep, it's good. You have to keep this car. This is fantastic. Shut up. You did such a good job. You did such a good job. You're so smart. You're so good. Now, what about this 2022 Chevrolet Silverado? Is that what we just looked at?

• 1:08:25Speaker 04

  It was supposed to actually, I don't know why it says that on there, but it's actually a Dodge Ram 201500 to 2022.

• 1:08:30Caleb Hammer?

  I was gonna say, because it is the same.

• 1:08:33Speaker 03

  It's the same thing you just looked at. It just says a different car for some reason on there.

• 1:08:36Caleb Hammer?

  And this, what, wait, this has a higher interest rate, though. Are you sure? This is something reporting different.

• 1:08:42Speaker 03

  Can I see?

• 1:08:43Caleb Hammer?

  Sure.

• 1:08:46Caleb Hammer?

  Because it is a different car, and it's a different interest rate.

• 1:08:51Speaker 03

  It's a different interest rate? Let me see that one.

• 1:08:53Caleb Hammer?

  Oh, my gosh. Yeah, sure. Let's.

• 1:08:56Speaker 03

  It is a different interest rate.

• 1:08:57Caleb Hammer?

  Whoa, that's crazy.

• 1:08:59Speaker 03

  It's just reporting wrong. This is the correct one. This is the statement from the bank. This is wrong.

• 1:09:04Caleb Hammer?

  Yes, I'm saying maybe this is something different that is on your report and you just don't know.

• 1:09:10Speaker 03

  No, it's the same thing.

• 1:09:11Caleb Hammer?

  Well, listen, I'm gonna assume there's an issue, but you're gonna need to dispute it or something.

• 1:09:16Speaker 03

  Why? It's the same thing. It's the same term amount and everything.

• 1:09:20Caleb Hammer?

  I would just be, I'm just looking to it. So I'm saying. Okay, something from a credit union. We got $2,217, and you're passed through that entire amount. Why?

• 1:09:29Speaker 03

  Yeah, that's Sun Coast.

• 1:09:31Caleb Hammer?

  Huh? What is this?

• 1:09:32Speaker 03

  That's a Sun Coast credit card that we used to have. Uh, that's in collections. Yeah, that's collections.

• 1:09:37Caleb Hammer?

  We?

• 1:09:38Speaker 03

  No, me.

• 1:09:40Caleb Hammer?

  What happened?

• 1:09:41Speaker 03

  Um, I wanted to go see my friend in South Carolina.

• 1:09:48Speaker 03

  So that was like

• 1:09:49Caleb Hammer?

  When?

• 1:09:49Speaker 03

  That was, um, I think it was right after my bankruptcy. All, all of my collections are right after my bankruptcy.

• 1:09:58Caleb Hammer?

  Oof.

• 1:09:59Speaker 03

  I, I went and got, uh, you know, a plane ticket, the rental car, the hotel, the whatever on that car.

• 1:10:05Caleb Hammer?

  Oh, you were able to get a rental car? That's crazy.

• 1:10:08Speaker 03

  Well, yeah, after the, after the bankruptcy because it wasn't fully, um.

• 1:10:12Caleb Hammer?

  Good.

• 1:10:14Speaker 03

  Done yet.

• 1:10:15Caleb Hammer?

  Okay, I have another one in collections.

• 1:10:18Speaker 03

  Yeah, that's mine. Yeah, I have a lot of credit ones.

• 1:10:21Caleb Hammer?

  Nine hundred fifty-three dollars.

• 1:10:24Speaker 03

  Yeah, I used to, um, collect Funko Pops. So a couple of those credit ones is for Funko Pops.

• 1:10:31Caleb Hammer?

  How often are we going to South Carolina?

• 1:10:33Speaker 03

  That was just the one, that was just the one time.

• 1:10:35Caleb Hammer?

  You haven't gone again?

• 1:10:36Speaker 03

  No.

• 1:10:39Speaker 03

  Was I supposed to go another time?

• 1:10:40Caleb Hammer?

  I believe you went and saw them like three days after your baby was born.

• 1:10:43Speaker 04

  Yeah, we went after baby was born.

• 1:10:44Speaker 03

  But we didn't pay, we didn't pay for it though.

• 1:10:46Speaker 04

  Yeah, no.

• 1:10:47Speaker 03

  Like, we didn't pay for flights and stuff.

• 1:10:48Speaker 04

  No, we just, no, we just drove for, um, we drove.

• 1:10:51Caleb Hammer?

  Like, three days after the baby was born?

• 1:10:53Speaker 03

  Yeah, where was I supposed to leave her? At, at home by herself?

• 1:10:57Caleb Hammer?

  Stay at home with the kid. Three days after a kid is born, you're taking about a road trip?

• 1:11:01Speaker 03

  Baby. She wanted to see the baby.

• 1:11:03Caleb Hammer?

  Then she can come down.

• 1:11:04Speaker 03

  Well, she, she didn't want to.

• 1:11:06Speaker 04

  She wanted to.

• 1:11:06Caleb Hammer?

  Then she didn't, then she didn't want to see the baby and, no.

• 1:11:09Speaker 04

  She wanted to drive up there afterwards.

• 1:11:11Caleb Hammer?

  There you go. That's the real answer.

• 1:11:13Speaker 04

  We sat there and got out of hospital Thursday and left Friday.

• 1:11:18Caleb Hammer?

  Okay, six thirty-one in other collections and then another collections here of seven ninety-three.

• 1:11:23Speaker 03

  Yeah, a couple of those are for Funko Pops that I collected and then I think one of those is for, um, some Pokemon cards.

• 1:11:32Caleb Hammer?

  You are a collector of the worst mistakes. Great, and there's nothing to show for it. Okay, so a lawyer, why do you have a lawyer?

• 1:11:39Speaker 03

  Because when my ex-fiance left, he sued me to try to force me to sell the house.

• 1:11:45Caleb Hammer?

  Why'd he sue you?

• 1:11:46Speaker 03

  Because he wanted me to sell the house.

• 1:11:47Caleb Hammer?

  What was his argument?

• 1:11:48Speaker 03

  The argument was that he's on the mortgage and he didn't want to be on the mortgage anymore and he moved away. And he wanted to sell it and have a split at fifty-fifty.

• 1:11:57Caleb Hammer?

  Why didn't you?

• 1:11:58Speaker 03

  Because I was living in it and he didn't pay a dime towards the house. Every single mortgage payment, the appraisal, the down payment, everything I paid. He didn't pay any of it.

• 1:12:05Caleb Hammer?

  Did you win?

• 1:12:06Speaker 03

  Yeah. But that's why I still have the house. Yeah.

• 1:12:10Caleb Hammer?

  Two thousand six hundred.

• 1:12:11Speaker 03

  I also sued him for my engagement ring because he stole it when he left.

• 1:12:14Caleb Hammer?

  Is that it?

• 1:12:15Speaker 04

  No, that's a new one for us.

• 1:12:16Speaker 03

  From Adam.

• 1:12:18Caleb Hammer?

  Ladies and gentlemen, I got something new to help you that we have personally built. Right here on Calebhammer.com, we have new Caleb Hammer Financial Resources. They are the ones I would personally use, which is why we made them for you to use. As you've already heard me talk about, personal loans are okay when you're good at debt. I personally use them when I can leverage them for a situation. So we have good personal loans on Calebhammer.com. We also have auto insurance now. You can check for free and see if you can save a shit ton of money on auto insurance. Remember, none of this actually matters if you continue the same bad behavior. So it's not for you if you still suck. But if you've proved you can budget, check out these programs from personal loans to car insurance to see if you can save a shit ton of money across the board.

• 1:13:04Caleb Hammer?

  Go to Calebhammer.com or the Caleb Hammer Financial Resources part of the pinned comment or description below and save a shit ton of money. I already launched Liquid Assets, my official Gamer Subs flavor, Raspberry Apple, and it's been selling like crazy. Here's the update. The free gift stacking promo from Christmas in July has officially sold out, but the flavor hasn't. Zero sugar, under one calorie, a hundred servings a tub, same nootropic blend, same full vitamin stack, still just four scoops a day, max. Code Caleb still gets you ten percent off your entire order. And there's still a shot, one out of every ten, that your tub comes with my face on it. All you need to do is head to gamersubs.gg slash Caleb or click the link in the description below.

• 1:13:47Speaker 03

  But when I was engaged prior, he stole the engagement ring that I paid for.

• 1:13:51Caleb Hammer?

  Did you sell it?

• 1:13:52Speaker 03

  He sold it. He stole it and sold it.

• 1:13:54Caleb Hammer?

  But you sued him.

• 1:13:55Speaker 03

  I sued him, yeah.

• 1:13:56Caleb Hammer?

  Did you win?

• 1:13:56Speaker 03

  I did.

• 1:13:57Caleb Hammer?

  Did you get money?

• 1:13:58Speaker 03

  No. He owes me fifty-five hundred dollars legally.

• 1:14:01Caleb Hammer?

  Well, this is why no one can contact him.

• 1:14:03Speaker 03

  Yeah. He won't, he won't give it to me, so I have to try and figure out where he works and garnish his wages and that's the only way that I'm ever gonna get it. And I cannot figure out where he works.

• 1:14:12Caleb Hammer?

  PI.

• 1:14:12Speaker 03

  I know, I have to hire one, but.

• 1:14:14Speaker 04

  Costs money.

• 1:14:15Caleb Hammer?

  Oh, it does, but for fifty, for five thousand five hundred dollars?

• 1:14:18Speaker 03

  Yeah, I know.

• 1:14:19Speaker 04

  I, I, I actually told her that we should sit there and just put up the money for a PI to figure it out.

• 1:14:25Speaker 03

  Yeah, I'm just so worried about this lump sum of money about the mortgage that I don't want to pay anything off. I don't want to put anything extra toward it until we figure out what's going on with the mortgage. I don't want to hire a PI. I don't want to do anything extra shit.

• 1:14:36Caleb Hammer?

  So two thousand six hundred eighty-nine dollars owed to this lawyer.

• 1:14:39Speaker 03

  Yeah.

• 1:14:40Caleb Hammer?

  Is there like a minimum monthly or what's going on?

• 1:14:42Speaker 03

  Um, I'm not sure. I think that it's like, uh, I think that there is.

• 1:14:49Caleb Hammer?

  You don't even know?

• 1:14:50Speaker 03

  I don't. I think it's like fifty bucks or something.

• 1:14:52Caleb Hammer?

  It's forty-nine dollars.

• 1:14:54Speaker 03

  I was close.

• 1:14:55Caleb Hammer?

  And, okay, it looks like you just made a payment last month. Okay.

• 1:14:58Speaker 03

  Yeah.

• 1:14:58Caleb Hammer?

  It failed first and then you made a payment.

• 1:15:02Speaker 03

  Yeah, it was on the wrong account.

• 1:15:05Caleb Hammer?

  Oh, more collections.

• 1:15:06Speaker 03

  Yeah. Yeah, there's quite a few collections.

• 1:15:10Caleb Hammer?

  Nine thirty-seven.

• 1:15:14Caleb Hammer?

  So you guys got married a year ago?

• 1:15:16Speaker 03

  Yep.

• 1:15:16Speaker 04

  Yes, sir.

• 1:15:17Speaker 03

  August sixteenth.

• 1:15:19Caleb Hammer?

  How'd you guys afford that wedding?

• 1:15:21Speaker 04

  We had a small wedding.

• 1:15:22Speaker 03

  Really, really cheap.

• 1:15:24Caleb Hammer?

  Oh, how much?

• 1:15:25Speaker 03

  Maybe five grand for the whole thing.

• 1:15:27Speaker 04

  Yeah.

• 1:15:27Speaker 03

  The dress, everything. The rings, the actual wedding itself. There was like five people there.

• 1:15:33Caleb Hammer?

  This is, this is a collections of thirty dollars. Why don't you just pay that and allow it to impact your credit in a positive way?

• 1:15:40Speaker 03

  Because of the mortgage.

• 1:15:41Caleb Hammer?

  Ten thousand dollars.

• 1:15:42Speaker 03

  Was it ten?

• 1:15:43Speaker 04

  For what?

• 1:15:44Caleb Hammer?

  That's what you told.

• 1:15:45Speaker 04

  For all the, the dress and everything like that and the rings and all that.

• 1:15:49Caleb Hammer?

  Not paying for our house and all this. So your, your priorities are whack, dude.

• 1:15:54Speaker 03

  I wanted to get married.

• 1:15:56Caleb Hammer?

  Oh, so that's actually not, nope, this is in collections.

• 1:15:58Speaker 03

  Yeah.

• 1:15:58Caleb Hammer?

  We can get married without ten thousand dollars.

• 1:16:00Speaker 03

  Yeah.

• 1:16:01Caleb Hammer?

  Nine hundred twenty-five dollars in that collections.

• 1:16:04Speaker 03

  Was it ten?

• 1:16:06Speaker 04

  If you count rings and everything like that, probably.

• 1:16:09Speaker 03

  Maybe I was thinking just the wedding itself was like five grand and then after the dress and the rings, it was another five.

• 1:16:14Speaker 04

  Yeah, probably.

• 1:16:15Caleb Hammer?

  Two hundred thirty-four dollars of this collections.

• 1:16:22Caleb Hammer?

  Verizon, two hundred thirty-four in that collections. You're incredible. You're the funniest guest I've ever had.

• 1:16:35Caleb Hammer?

  Fourteen thousand dollars. Why do you have fourteen thousand six hundred eighty-one dollars in this collections?

• 1:16:40Speaker 03

  That was a vehicle that I crashed.

• 1:16:45Speaker 03

  Right after my bankruptcy.

• 1:16:48Caleb Hammer?

  You suck, man. Why did you not send us your checking account? Why did you refuse in every way whatsoever? How the can we fix things if I can't see what you're spending?

• 1:16:57Speaker 04

  Because one, I really don't spend anything because I don't have anything.

• 1:17:00Caleb Hammer?

  Prove it.

• 1:17:01Speaker 04

  And then second, I also didn't want all my stuff out there.

• 1:17:04Caleb Hammer?

  We would redact your shit. What the fuck are you talking about? What stuff are you spending?

• 1:17:08Speaker 04

  He doesn't, yeah.

• 1:17:09Caleb Hammer?

  But you just said your spending's not bad.

• 1:17:11Speaker 04

  It's not, but I want my checking and everything out there.

• 1:17:14Caleb Hammer?

  What do you mean? What would be out there?

• 1:17:16Speaker 04

  Anything.

• 1:17:16Caleb Hammer?

  What? What are you concerned about?

• 1:17:18Speaker 04

  Just anything at all. I didn't want out there.

• 1:17:19Caleb Hammer?

  You said nothing's in there.

• 1:17:21Speaker 04

  Yeah.

• 1:17:21Speaker 03

  And he doesn't want the people, he doesn't want the world to see that he has nothing, pretty much.

• 1:17:26Caleb Hammer?

  That makes zero sense. How the?

• 1:17:29Speaker 03

  But, whatever.

• 1:17:30Caleb Hammer?

  With who? Me?

• 1:17:31Speaker 03

  No, with him.

• 1:17:32Caleb Hammer?

  Yeah.

• 1:17:32Speaker 03

  He sent it.

• 1:17:33Caleb Hammer?

  Well, yes, how can we get a budget together in, uh, criticize spending and fix behavior if we don't know what the behavior is?

• 1:17:40Speaker 03

  Well, he doesn't make any money anyway now, so there's, there's nothing there.

• 1:17:44Caleb Hammer?

  Do you have money in your checking account?

• 1:17:46Speaker 04

  No.

• 1:17:46Speaker 03

  No.

• 1:17:46Caleb Hammer?

  And why not let me see it?

• 1:17:48Speaker 03

  That's what I said.

• 1:17:50Caleb Hammer?

  What? You could be overdrafted, you could be all these different things that we don't know. Maybe there's another debt in there. Who even knows?

• 1:17:57Speaker 03

  He let me see the bank statements.

• 1:17:59Caleb Hammer?

  And?

• 1:18:00Speaker 03

  There's nothing there. So I'm like.

• 1:18:01Caleb Hammer?

  Not even a cent of spending?

• 1:18:03Speaker 03

  Well, no, he doesn't make money.

• 1:18:06Speaker 04

  It'd be like.

• 1:18:06Caleb Hammer?

  How do you get gas?

• 1:18:08Speaker 04

  I'll ask her for gas. It'd be like, hey, I need forty, fifty bucks for gas.

• 1:18:12Speaker 03

  Yeah.

• 1:18:12Caleb Hammer?

  And, and you saw in the checking account that it was never sent, spent on bullshit at all.

• 1:18:18Speaker 04

  Every now and then I'll sit there.

• 1:18:19Speaker 03

  It says gas station.

• 1:18:20Speaker 04

  At the gas station, I might get a drink with it and then just put the rest with it.

• 1:18:23Caleb Hammer?

  Isn't that the thing she hates and criticizes?

• 1:18:25Speaker 03

  Yeah.

• 1:18:25Caleb Hammer?

  So why do you enable but, by just sending the money?

• 1:18:28Speaker 04

  Because how else am I supposed to get gas?

• 1:18:30Speaker 03

  To school.

• 1:18:31Caleb Hammer?

  Fuck you. If you're doing the behavior that is obviously bad, why would she support it?

• 1:18:36Speaker 03

  Yeah, there are times where I'm like, figure it out. But then it's like, what, what am I supposed to say? No, don't get gas and don't go to school and get your certification to provide for me?

• 1:18:45Caleb Hammer?

  If the only way for him to get there is you enabling his bad behavior? Yeah, maybe. That would at least force him to change and fix it.

• 1:18:51Speaker 03

  Yeah. I just, I want him to finish. I just want him to just finish school and get a job. And just put his checks in my account.

• 1:18:58Caleb Hammer?

  Bullshit forever then. Cause your entire philosophy will be, you just want to get through. Want to get through it for the next thing.

• 1:19:04Speaker 03

  If I give him his allowance and he spends it on bullshit, then he spends it on bullshit. You know, I'm taking whatever that allowance amount. It dep, it really depends on how much he's gonna make after he works.

• 1:19:13Caleb Hammer?

  Spending.

• 1:19:15Speaker 04

  It's because I don't want to. It's one thing I was hard on the entire time, even when she sat there was wanting to go.

• 1:19:20Speaker 03

  Cause he didn't even want to be here.

• 1:19:21Speaker 04

  I didn't want to be here.

• 1:19:22Caleb Hammer?

  I want to know the logic behind the want.

• 1:19:26Speaker 03

  Yeah, I want to know too.

• 1:19:26Speaker 04

  Tons of logic. I just really didn't want to. I don't want my finances and everything out in the world, just like I sat there, told her from day one.

• 1:19:34Caleb Hammer?

  Then how in the, day one?

• 1:19:36Speaker 04

  Of her wanting to come on here.

• 1:19:37Speaker 03

  When I applied.

• 1:19:38Speaker 04

  I told her I did not want to go and I didn't want any of this shit on me.

• 1:19:41Caleb Hammer?

  Together to be clear.

• 1:19:42Speaker 04

  That's what you think.

• 1:19:43Speaker 03

  Allowed to get his little bullshit allowance.

• 1:19:45Caleb Hammer?

  Because you're not willing to take accountability for anything.

• 1:19:48Speaker 04

  I'd actually take accountability and sat there, said that I sat here, got the drinks and the reasoning for, the reason why I could get drinks. So how am I not taking accountability?

• 1:19:56Caleb Hammer?

  Because you're not willing to.

• 1:19:57Speaker 03

  Justify it.

• 1:19:58Caleb Hammer?

  Well, that, and you're not willing to have someone even look at your shit.

• 1:20:02Speaker 04

  I let her see them. That's the person who matters the most to me. So she can see them.

• 1:20:07Caleb Hammer?

  She's also stupid with money. She wouldn't know what she's looking at.

• 1:20:10Speaker 04

  She could see what it's being spent on, what it's not being spent on and stuff.

• 1:20:14Caleb Hammer?

  So the act that are those, uh, the car and the house and the lawyer. Oh wait, no, because of this.

• 1:20:21Speaker 03

  Yeah, that's my, that's my car.

• 1:20:24Caleb Hammer?

  Okay, what do you have?

• 1:20:25Speaker 03

  It's a Kia Sportage.

• 1:20:27Speaker 04

  That's the one I'm on too.

• 1:20:29Caleb Hammer?

  Oh!

• 1:20:29Speaker 03

  Yeah, we're both on that.

• 1:20:30Caleb Hammer?

  Well, how good. She just brings you along.

• 1:20:33Speaker 04

  Well, that was to try to help my credit go up.

• 1:20:36Caleb Hammer?

  Twenty, haha, twenty-four thousand.

• 1:20:39Speaker 03

  I haven't missed a payment on that.

• 1:20:39Caleb Hammer?

  Seventy dollars and fifty-four cents yet. You're not really known for not missing payments. Minimum monthly payment, especially, it's like, it's six hundred and thirty dollars and eighty-five cents.

• 1:20:48Speaker 03

  Yeah.

• 1:20:49Caleb Hammer?

  Oh, what's your, uh, okay. Well, you owe twenty-four thousand on it. It's worth twelve. What's the interest rate?

• 1:20:56Speaker 03

  Uh, it's twenty-something.

• 1:20:58Caleb Hammer?

  What are we doing?

• 1:20:59Speaker 03

  I think it's a little bit less than the truck, though.

• 1:21:02Caleb Hammer?

  His is at twenty?

• 1:21:03Speaker 03

  I thought it was at twenty-one or twenty-two.

• 1:21:05Caleb Hammer?

  So, your is at twenty?

• 1:21:06Speaker 03

  Yeah, that's what I think. Twenty and change.

• 1:21:08Caleb Hammer?

  Wow, you're winning, I guess.

• 1:21:11Speaker 03

  Well, no, but it's not like twenty-five or twenty-six.

• 1:21:14Caleb Hammer?

  It's twenty!

• 1:21:16Speaker 03

  I know.

• 1:21:16Caleb Hammer?

  That's horrible! It's destroying the market if you're investing. Hey, you're getting ten percent a year!

• 1:21:22Speaker 03

  Yeah. Investing it. Investing it into what?

• 1:21:25Caleb Hammer?

  If it was in the overall general stock market, if it followed like the S and P five hundred. Doesn't matter.

• 1:21:30Speaker 03

  That's what you talk about a lot on your show, and I have no idea what that is.

• 1:21:33Caleb Hammer?

  And you don't need to right now, because you have a twenty percent interest rate card debt depreciating asset.

• 1:21:38Speaker 03

  But you said that with the mortgage stuff, that I should put it in like that kind of an account.

• 1:21:43Caleb Hammer?

  And that's why I said maybe you should just pay the lump sum, because why overcomplicate it for you? Like, why overcomplicate it? You're right, you're right. You can't do shit.

• 1:21:50Speaker 03

  But you said I'm not gonna make the lump sum by then.

• 1:21:52Caleb Hammer?

  I mean, that is the reality, probably, right? I mean, we'll see. I had to see, I had to, I said, we have to see what the budget is at the end.

• 1:21:58Speaker 04

  So, the big thing also with us doing that lump sum is that I don't, technically, I finished my schooling the end of this week, but they just came out with a national certification for my schooling that I'm okay to do, that if I go back and do that, I won't be done with it until like middle, end of November, when the lump sum is due.

• 1:22:22Speaker 03

  Yeah.

• 1:22:25Speaker 03

  That's like another thing I wanted to talk to you about.

• 1:22:28Caleb Hammer?

  This is the same thing, right?

• 1:22:29Speaker 03

  Yes, yes. I wanted to see what you thought about, um, for him going back for that certification.

• 1:22:37Caleb Hammer?

  Might have to. Um, okay, so what do you owe? You owe eleven thousand one hundred and ninety-seven in student loans?

• 1:22:45Speaker 03

  Yes.

• 1:22:45Speaker 04

  Yes.

• 1:22:46Speaker 03

  That's his, that's his school.

• 1:22:47Caleb Hammer?

  Okay, now, you don't have to pay for it yet, right?

• 1:22:49Speaker 04

  No, it's six months after I graduate.

• 1:22:50Caleb Hammer?

  Yeah.

• 1:22:51Speaker 03

  Yeah. Which, is that, is that in this week, or is that after your N C C E R certification?

• 1:22:56Speaker 04

  I'll have to find out.

• 1:22:57Caleb Hammer?

  This will probably have a good return on its investment, which I can appreciate that. You should make sure you're on top of it.

• 1:23:04Speaker 03

  Yeah.

• 1:23:05Caleb Hammer?

  Uh, okay, so, is this a screenshot of just your balances?

• 1:23:10Speaker 03

  Yeah.

• 1:23:10Caleb Hammer?

  Maybe? Him?

• 1:23:11Speaker 03

  Mine.

• 1:23:12Caleb Hammer?

  You, oh, great. Uh, savings, five dollars.

• 1:23:15Speaker 03

  No, my savings is in my money market.

• 1:23:18Caleb Hammer?

  And then the money market, we have a-

• 1:23:20Speaker 03

  Or the Smart Start, sorry.

• 1:23:22Caleb Hammer?

  I'm going through them. If you would learn to shut the [bleep] for once in your life, I would get to it.

• 1:23:27Speaker 04

  She likes to interrupt a lot.

• 1:23:30Caleb Hammer?

  Six hundred and forty-three dollars in that money market, and your smart savings, seven.

• 1:23:34Speaker 03

  There's ten thousand in that now.

• 1:23:36Caleb Hammer?

  Okay, yeah.

• 1:23:37Speaker 03

  I know, it doesn't really matter.

• 1:23:39Caleb Hammer?

  Seven hundred and eighty-eight student loans?

• 1:23:40Speaker 03

  Yeah, that's mine. I don't know why they didn't give you the statement for that. I don't know why they wrote it like that, but, whatever.

• 1:23:48Speaker 04

  Yeah, she has it.

• 1:23:49Speaker 03

  That'll, that'll go to collections in thirty days from the thirteenth, if I don't pay it. I just got it in the mail.

• 1:23:56Speaker 04

  No, we literally just got it.

• 1:23:57Speaker 03

  I just got it like right before we left to come here.

• 1:23:59Speaker 04

  Yeah, so, that's why it's one of those, we know its name, have to pay.

• 1:24:03Caleb Hammer?

  You showed up today with a folder of the statements, instead of sending it in like we requested via email.

• 1:24:08Speaker 03

  Well, because I just got it.

• 1:24:09Caleb Hammer?

  You not following, just got it, log in.

• 1:24:11Speaker 03

  Log into what?

• 1:24:13Caleb Hammer?

  The portal that manages your student loans!

• 1:24:16Speaker 03

  This isn't a student loan, though. It's like from the school. It's just like a missed payment that I was supposed to pay.

• 1:24:22Caleb Hammer?

  Then why, when I said student loans, you said yes?

• 1:24:24Speaker 03

  Because it is for the school. It's just not a loan.

• 1:24:27Caleb Hammer?

  It's not a student loan, you [bleep].

• 1:24:29Speaker 03

  Well, so then what is it?

• 1:24:30Caleb Hammer?

  Just what you had just described.

• 1:24:33Speaker 03

  Okay.

• 1:24:34Caleb Hammer?

  Oh my goodness, you are a walking headache. You actually suck as a human being in processing information. Huh?

• 1:24:43Speaker 04

  What?

• 1:24:43Speaker 03

  Not you, him.

• 1:24:48Caleb Hammer?

  Cuck. Okay.

• 1:24:50Speaker 04

  How is it a cuck when she said not you?

• 1:24:52Caleb Hammer?

  A Mount Dew.

• 1:24:54Speaker 03

  He doesn't even know what a cuck is.

• 1:24:55Caleb Hammer?

  A Mount Dew, three thousand four hundred and twenty-eight dollars.

• 1:24:57Speaker 03

  He doesn't know what a cuck is. He just calls people that.

• 1:25:02Speaker 03

  Sorry, what did you say?

• 1:25:03Caleb Hammer?

  You asked me what I was doing after filming. Cuck. So, three thousand four hundred and twenty-eight dollars.

• 1:25:08Speaker 03

  Okay.

• 1:25:09Caleb Hammer?

  Emergency physician. Is this birth?

• 1:25:11Speaker 03

  Yes.

• 1:25:13Caleb Hammer?

  Okay, are you on a payment plan yet?

• 1:25:14Speaker 03

  No.

• 1:25:15Caleb Hammer?

  Why?

• 1:25:17Speaker 03

  Because it's a medical bill.

• 1:25:19Caleb Hammer?

  So?

• 1:25:19Speaker 04

  You can get on payment plan still for me.

• 1:25:21Caleb Hammer?

  It'll still [bleep] credit.

• 1:25:22Speaker 03

  In Florida? Does it go to your credit?

• 1:25:25Caleb Hammer?

  It's not about Florida, it's the United States.

• 1:25:27Speaker 03

  Really?

• 1:25:28Caleb Hammer?

  Yeah, so you suck at everything.

• 1:25:31Speaker 03

  I didn't think that medical bills went to your credit.

• 1:25:32Caleb Hammer?

  Well, they [bleep] do, you piece of shit!

• 1:25:35Speaker 03

  Okay.

• 1:25:35Caleb Hammer?

  Okay, what is this? Um, payments, adjustments, your balance?

• 1:25:39Speaker 03

  That's another medical bill.

• 1:25:41Caleb Hammer?

  Oh, good. Probably not on a payment plan, are you?

• 1:25:43Speaker 03

  No.

• 1:25:43Caleb Hammer?

  You don't give a [bleep] about anything, and you're just gonna destroy your life forever.

• 1:25:46Speaker 03

  Yep. How much is that one?

• 1:25:50Caleb Hammer?

  One thousand seven hundred and twenty-two.

• 1:25:52Speaker 03

  Yeah. I think that was my heart surgery that I had.

• 1:25:54Speaker 04

  I think so, too.

• 1:25:55Speaker 03

  Yep.

• 1:25:56Caleb Hammer?

  Is that where your [bleep] enough oxygen get into your brain?

• 1:25:59Speaker 03

  What does that have to do with my heart?

• 1:26:00Caleb Hammer?

  What do you think gets the pod to the [bleep]?

• 1:26:05Caleb Hammer?

  How do, what do you think flows blood around the [bleep] body?

• 1:26:10Speaker 03

  You said oxygen, now you're saying blood?

• 1:26:12Speaker 04

  Yeah, blood, oxygen goes through blood.

• 1:26:13Speaker 03

  Okay, whatever.

• 1:26:16Speaker 03

  That's an anesthesiologist bill.

• 1:26:17Caleb Hammer?

  Okay.

• 1:26:18Speaker 03

  It says it in high, it's highlighted for you.

• 1:26:20Caleb Hammer?

  What I was trying to ask is, that's the payment plan, or is that the entire balance?

• 1:26:24Speaker 03

  No, that's the entire balance.

• 1:26:25Caleb Hammer?

  You could just pay it.

• 1:26:29Speaker 03

  Well, I wanna know which order I should pay, because those aren't interest.

• 1:26:32Caleb Hammer?

  One hundred and seventy dollars and twenty cents.

• 1:26:34Speaker 03

  Mm-hmm. That's my bank payments.

• 1:26:37Caleb Hammer?

  Is it? Great, you have zero dollars. Well done. Incredible.

• 1:26:43Caleb Hammer?

  Withdraw fee, withdraw fee. Good.

• 1:26:46Speaker 03

  With [bleep] fee.

• 1:26:47Caleb Hammer?

  Yes, that's, that's, that's what it is. Zero dollars in this one. Drawing.

• 1:26:53Speaker 03

  What the hell is that? I don't even know what that is.

• 1:26:56Caleb Hammer?

  Getting some bullshit groceries and potential bullshit of groceries. Is this another loan, smart cash certification? Or pay, no, payday alternative?

• 1:27:06Speaker 03

  Yeah.

• 1:27:07Speaker 04

  Yeah.

• 1:27:07Speaker 03

  That's a thousand dollars.

• 1:27:10Caleb Hammer?

  Why? What are you doing?

• 1:27:12Speaker 03

  Because I didn't have a credit card, because we don't have any credit cards.

• 1:27:17Caleb Hammer?

  So, we have a payday loan, especially.

• 1:27:19Speaker 03

  Yeah, a thousand dollars.

• 1:27:21Caleb Hammer?

  Thousand dollars, and I assume you can just withdraw once you pay it?

• 1:27:25Speaker 03

  Yes.

• 1:27:25Caleb Hammer?

  This is that over and over and over again?

• 1:27:27Speaker 03

  Yes.

• 1:27:27Caleb Hammer?

  Oh, great, I was wondering where the rest is, because you wouldn't send up shit, because you don't give a [bleep] about your life. Okay.

• 1:27:35Caleb Hammer?

  What was that, seven thousand dollars or whatever? Uh, two thousand two hundred and eighty-seven in your Edward. Where?

• 1:27:42Speaker 03

  It's in the Smart Start.

• 1:27:44Caleb Hammer?

  What, okay. Uh, two thousand two hundred-

• 1:27:49Speaker 01

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• 1:28:15Caleb Hammer?

  Eighty-seven dollars.

• 1:28:16Speaker 03

  That's my retirement.

• 1:28:17Caleb Hammer?

  Yeah. What do you have in retirement?

• 1:28:20Speaker 03

  Nothing.

• 1:28:20Speaker 04

  I don't, because we pulled it.

• 1:28:22Caleb Hammer?

  You pulled it?

• 1:28:24Speaker 03

  Yeah, because he, he paid off his credit cards and stuff that he had, so that's why he doesn't have any. Well, he doesn't have any, you know, like, bad debt.

• 1:28:32Caleb Hammer?

  Spending, though.

• 1:28:32Speaker 03

  I know.

• 1:28:34Caleb Hammer?

  Okay, let's budget this. So, what's your [bleep] rent?

• 1:28:36Speaker 03

  Eighteen hundred.

• 1:28:40Caleb Hammer?

  Utilities, gas, electric, internet, all combined, how much?

• 1:28:42Speaker 03

  Um, one fifty.

• 1:28:44Caleb Hammer?

  For everything?

• 1:28:45Speaker 03

  Well, yeah, the eighteen hundred includes, um, water.

• 1:28:49Caleb Hammer?

  Okay.

• 1:28:52Caleb Hammer?

  Uh, yeah, not, okay, without your mortgage, so let's do the car payments, eighty-two, six thirty, eighty-five, and forty-nine. Your debt minimums, the payments outside of the mortgage is one thousand three hundred, one thousand three hundred and eighty-two dollars and sixty-eight cents.

• 1:29:08Speaker 03

  Yikes.

• 1:29:10Caleb Hammer?

  Yeah, this is the two cars that you're justifying like none other, so shut the [bleep] up.

• 1:29:14Speaker 03

  Yeah.

• 1:29:14Caleb Hammer?

  Mortgage is-

• 1:29:17Speaker 03

  Three thousand one ninety-two cents.

• 1:29:19Caleb Hammer?

  Three thousand one dollar and ninety-two cents, but how, you get seven hundred a week?

• 1:29:24Speaker 03

  Yeah.

• 1:29:25Caleb Hammer?

  Seven hundred times fifty-two divided by twelve, it's an averaging out of about three thousand a month, we'll put that into the income.

• 1:29:31Speaker 03

  Yeah.

• 1:29:32Caleb Hammer?

  So, your income, we're gonna-

• 1:29:33Speaker 03

  Nine thousand.

• 1:29:34Caleb Hammer?

  Say is basically nine thousand dollars.

• 1:29:36Speaker 03

  Mm-hmm.

• 1:29:37Caleb Hammer?

  Okay, phone bill. If you have any, speak up.

• 1:29:41Speaker 03

  Two fifty.

• 1:29:42Caleb Hammer?

  That's insane.

• 1:29:42Speaker 04

  Which, actually, I just got it lowered down to about two twenty.

• 1:29:46Caleb Hammer?

  Okay, two twenty?

• 1:29:47Speaker 03

  I thought it was two twenty-five.

• 1:29:48Caleb Hammer?

  Gas, burn from drive, drive, how much?

• 1:29:51Speaker 04

  Mine's about eighty a week.

• 1:29:54Speaker 03

  And mine's like forty a week.

• 1:29:58Caleb Hammer?

  Uh, okay, eighty plus forty times fifty-two divided by twelve, talking five twenty, car insurance, how much?

• 1:30:06Speaker 04

  Uh, we just paid two thousand and, two thousand six hundred and sixty-six dollars for six months.

• 1:30:14Caleb Hammer?

  Two thousand six hundred and sixty-six?

• 1:30:15Speaker 04

  Yep.

• 1:30:17Caleb Hammer?

  Two thousand six hundred and sixty-six. Divided by-

• 1:30:19Speaker 03

  Twelve, or six, sorry.

• 1:30:21Caleb Hammer?

  Yeah, because it's gonna come up again, so we're gonna say four forty-four a month. Um, but you just paid it, so we can take that out for a little bit, but you are gonna have to pay that again.

• 1:30:30Speaker 04

  Yes.

• 1:30:30Speaker 03

  Yeah.

• 1:30:30Caleb Hammer?

  Um, okay, necessary food, kids on titty, right?

• 1:30:34Speaker 03

  No, formula.

• 1:30:36Speaker 04

  She was on, she was on titty, but then she ended up-

• 1:30:39Speaker 03

  I stopped producing milk.

• 1:30:40Speaker 04

  Producing milk, stopped producing milk, so we-

• 1:30:42Caleb Hammer?

  Work harder!

• 1:30:43Speaker 03

  I work sixty hours a week, the pump doesn't-

• 1:30:45Caleb Hammer?

  I was joking, shut up!

• 1:30:47Speaker 04

  Speeding, work harder.

• 1:30:48Speaker 03

  No, and I was saying that. I work sixty hours a week, so-

• 1:30:50Caleb Hammer?

  Okay, clearly, this doesn't matter, I was [bleep] around. Six hundred, yeah, you should be able to do seven hundred dollars a month in groceries. Meal prep, meal plan. TP fund, anything else who exists, and I know diapers and all this shit, uh, three hundred bucks.

• 1:31:03Speaker 03

  Yeah.

• 1:31:03Caleb Hammer?

  Um, medical health here, are there copays on a monthly basis?

• 1:31:06Speaker 03

  No.

• 1:31:07Speaker 04

  Nope.

• 1:31:07Caleb Hammer?

  Is there a gym?

• 1:31:09Speaker 03

  No.

• 1:31:09Speaker 04

  No.

• 1:31:09Caleb Hammer?

  There are pets?

• 1:31:10Speaker 03

  No.

• 1:31:11Speaker 04

  No.

• 1:31:12Caleb Hammer?

  Subscriptions, I'll try fifty bucks.

• 1:31:14Speaker 03

  We don't have any subscriptions.

• 1:31:15Caleb Hammer?

  Uh, well, you can. Um, anything else that needs to be in your budget?

• 1:31:23Speaker 03

  Is there anything else, other than debt, cars, insurance?

• 1:31:26Speaker 04

  I bowl every, uh-

• 1:31:27Speaker 03

  Oh.

• 1:31:28Speaker 04

  Week, and I just joined a bowling league that's twenty-five dollars.

• 1:31:31Caleb Hammer?

  That's in the TP fund.

• 1:31:32Speaker 03

  Okay.

• 1:31:34Caleb Hammer?

  That's just all the extra shit.

• 1:31:41Caleb Hammer?

  Yeah, I mean, you guys have wiggle room. Oh, wait, I gotta add your debt of, what was it? One thousand three eighty-two sixty-seven. Still have wiggle room, but it's a lot tighter now. Eight thousand, basically six hundred to survive will round, which gives you four hundred bucks.

• 1:31:59Caleb Hammer?

  That allows us to start grinding away the debt, which you, I mean, yeah, I would pay off the lawyer. That'll take a few months.

• 1:32:09Speaker 03

  Well, I have ten thousand in my savings account right now.

• 1:32:12Caleb Hammer?

  Actually, that's right. We have to get to that. Okay, so exactly with this money left over, how the are we getting in two months to pay for that twenty-eight or not? And then your monthly budget does break when you have to spread it across twelve.

• 1:32:24Speaker 04

  Well, the plan was is because I graduate next week is this national certification just came up about me being able to do. So our plan was, I don't know if I'm gonna go for that national certification or just go straight to working and her working also.

• 1:32:40Caleb Hammer?

  Go straight to work.

• 1:32:41Speaker 04

  And then that'll make it to where.

• 1:32:42Caleb Hammer?

  But I don't know if that allows you to catch up in, like the one month because your pay's delayed and you still have to, you have a job lined up?

• 1:32:49Speaker 04

  I have two potential jobs. Yeah.

• 1:32:51Caleb Hammer?

  Potential jobs. So.

• 1:32:53Speaker 03

  Yeah, they won't give it to him until he's actually graduated.

• 1:32:56Caleb Hammer?

  Let's see how that lands, but still pays delayed.

• 1:32:59Speaker 03

  Yeah.

• 1:32:59Caleb Hammer?

  It might be forced to stretch it over three months, but you with your income with this combined will be able to make that work.

• 1:33:06Speaker 04

  Yeah.

• 1:33:06Caleb Hammer?

  And then after that, we start chipping away.

• 1:33:08Speaker 04

  Yes.

• 1:33:09Caleb Hammer?

  And that chipping away goes lawyer and your car than his car. And then get a fully funded emergency fund and then you guys have to live fifty, thirty, twenty. Try to live, you'd be able to live in your house at that point. Get rid of your apartment, fifty percent on needs, which you can do with your combined household income, which yes, you'll have to do that for a bit.

• 1:33:26Speaker 03

  Yeah.

• 1:33:27Caleb Hammer?

  That's just the reality.

• 1:33:28Speaker 04

  Want to get rid of my truck first since one, it's a higher payment and two, it's a higher interest rate?

• 1:33:32Caleb Hammer?

  No, because you guys are behaviorally, so you need to just put all your effort into the lowest balance so you can pay it off quicker.

• 1:33:40Speaker 03

  Okay. What about like the medical and stuff?

• 1:33:43Caleb Hammer?

  No, yeah, save that for the end.

• 1:33:45Speaker 03

  Okay.

• 1:33:45Caleb Hammer?

  I'd get them on a payment plan if you can, unless they're about to go to collections. If they're gonna go to collections, I'd get them on a payment plan.

• 1:33:51Speaker 03

  Okay.

• 1:33:52Caleb Hammer?

  So do that, then fifty, thirty, twenty, fifty percent on needs, thirty percent on wants, twenty percent on investing because you have time on your side and I mean, you're not horribly old, so twenty percent can work. And that'll get you guys to a decent retirement because you have failed at everything and you have a little bit, but you need to catch up. So that's what I would do. I think that's a couple of year process because your income is about to skyrocket.

• 1:34:13Speaker 03

  Yeah.

• 1:34:13Caleb Hammer?

  And then you might be able to stay at home mom. You have to pay off debt first.

• 1:34:16Speaker 03

  Right.

• 1:34:17Caleb Hammer?

  And you have to save up a six month emergency fund. Then you can move into that house and then.

• 1:34:21Speaker 03

  That's, that's what I wanted to talk to you about too, is that after a year of that three thousand dollar payment, it's going to go back down to the twenty-two eighty-eight ten.

• 1:34:30Caleb Hammer?

  Right, love it.

• 1:34:30Speaker 03

  So can we just leave the people in there and make an extra seven hundred bucks off of them?

• 1:34:34Caleb Hammer?

  No, you guys shouldn't be landlords.

• 1:34:36Speaker 03

  Why?

• 1:34:37Caleb Hammer?

  Why that extra stress and an extra almost full-time job? No, no, you don't. Stop. You guys are stupid. Invest in the stock market. You're not landlords. Shut up.

• 1:34:46Speaker 04

  Isn't the stock market also a little bit more difficult to invest in because you have to sit there and follow it more?

• 1:34:51Caleb Hammer?

  No, buy an index fund. You let it sit until you're retired.

• 1:34:56Speaker 03

  How do you do that? Like is there like an app?

• 1:34:58Caleb Hammer?

  We will deal with that conversation in two years. You're not there yet.

• 1:35:01Speaker 03

  Okay.

• 1:35:01Caleb Hammer?

  Guys, you don't be landlords. If investing's too hard, buying and sitting on an index fund, you're not managing real estate.

• 1:35:08Speaker 03

  Can you see what kind of account this is in?

• 1:35:10Caleb Hammer?

  In the post show.

• 1:35:11Speaker 04

  We manage ours perfectly fine right now.

• 1:35:13Caleb Hammer?

  What kind of accountant it is, it's in an IRA. Yeah, it's in a traditional IRA. That means it's stupid because you should be in a Roth IRA anyway, so shut up. We'll deal with it in a couple of years. You're not there yet.

• 1:35:21Speaker 04

  Manage our.

• 1:35:22Speaker 03

  Okay.

• 1:35:22Caleb Hammer?

  Hey, shut up!

• 1:35:24Speaker 03

  Well, that's already in there. Should I move?

• 1:35:25Caleb Hammer?

  Shut up!

• 1:35:28Speaker 04

  Hey, sir.

• 1:35:28Caleb Hammer?

  Shut up! We're going to the post show and well, there's a lot. The reality is she forced him to take a paternity test the moment the birth happened. We're gonna go into that and why that's the thing. It's gonna be a mess. Hammer financial score, spending in a budget. You overspent zero out of ten.

• 1:35:50Speaker 03

  How did I overspend?

• 1:35:52Caleb Hammer?

  Okay, let's see.

• 1:35:53Speaker 03

  I didn't spend over the eight thousand or whatever.

• 1:35:55Caleb Hammer?

  Because you spent nine thousand one hundred sixty-eight and total income was four thousand six hundred sixty-four. Go yourself because that's what came in.

• 1:36:04Speaker 03

  My income is six thousand.

• 1:36:04Caleb Hammer?

  I don't care. That's all that came in. That's, oh my gosh, yeah, you look at it, you and your magic eyes. Shut the up. Debt, you have collections, you're out of ten emergency fund. I'm glad, yeah, I mean, you're close. It's gonna have to go to us to debt, but it's gonna be about a seven out of ten for that.

• 1:36:20Speaker 03

  That's because you don't have my savings account in there. All the money goes there.

• 1:36:23Caleb Hammer?

  Because you didn't give us the shit!

• 1:36:25Speaker 03

  Yes, I did.

• 1:36:26Speaker 04

  Money goes into the savings.

• 1:36:28Caleb Hammer?

  No, you didn't. They're saying no, I would have it here. Shut up.

• 1:36:32Speaker 03

  You have.

• 1:36:37Caleb Hammer?

  You suck at everything.

• 1:36:40Speaker 03

  Whatever, just give us a zero.

• 1:36:41Caleb Hammer?

  You are the worst. No, because you have a seven out of ten on emergency fund, your retirement score. It's, yeah, it's, well, I mean, for twenty-one, I'll give you a two out of ten, maybe a three out of ten. Real estate, well, it's under.

• 1:36:53Speaker 03

  We have a house, but it's underwater.

• 1:36:54Caleb Hammer?

  Do you ever shut up? Actually mute her mic. She is, you're seriously? I'm gonna film the post show and then I'm gonna walk away and never talk to you in my life again and it's gonna be the best thing I've ever done. You are horrible at existing. Real estate score. Yeah, at least you're in the market and yeah, they're paying for it, but okay, five out of ten. You're undervalued. Interest rate's not the best.

• 1:37:19Caleb Hammer?

  And you can't even homestead because you're literally too used the internet.

• 1:37:25Caleb Hammer?

  Three out of ten. Join us in the post show where I have to sit across from this obnoxious for another twenty minutes. That's the job I decided to do. See you there Saturday. She goes, she comes in, you're not ready to try it. I'll keep testing the waters until you figure it out, until I get fed up. It's like, what do you mean? I told you another thing I didn't trust you with after the cheating? Cheating? No, it wasn't. You didn't tell me that.

• 1:37:56Caleb Hammer?

  I just launched the brand new Hammer Elite app available on every major platform. So you can watch every show anywhere you want. You'll get three exclusive dedicated shows every single day, Monday through Saturday. Refer a friend after you sign up and you get an additional thirty days of Hammer Elite access for free. Download the Hammer Elite app by using the link in the description or pin comment down below. This is the best membership you'll ever join and that's a promise. 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.

• 1:38:39Caleb Hammer?

  Go to CalebHammer.com/apply or click that link in the description below. Now, more than ever, we need someone on our side, but Rob Whitman? Whitman's votes drove up costs, cut Medicaid and risked three hundred fifty thousand Virginians healthcare to pay for tax breaks for himself and his donors. He's not on our side. Shannon Taylor will fight corruption, cut taxes and bring down costs. This November, vote for Shannon Taylor. She's for us. Paid for by HMP, the House Majority PAC dot com, not authorized by any candidate or candidate's committee.