He Stormed Off Financial Audit

*ABUSE ALLEGATIONS IN THE POST SHOW* She is saying he's done some horrible, unspeakable things... I could not imagine what is going on at this house. Watch the post show: https://hamr.link/ytjoin *OR* download the brand new Hammer Elite App ➡ https://hammerelite.com/#join (discounted annual) 💰 Download Dollarwise - Big Deals, New Features, Free Trial: https://go.dollarwise.com/join ============================= *Caleb Hammer Financial Resources* ============================= 👉 See if refinancing your high-interest debt saves money. Checking is free. → https://hamr.link/ytmoneylion2 👉 Find and compare much better AND cheaper car insurance for free → https://www.moneylion.com/network/hammer-media/auto-insurance/search 👉 Finally experience relief from your debt once and forall → https://www.moneylion.com/network/hammer-media/debt-relief/explore ============================= 🔥 MY NEW FLAVOR IS FINALLY LIVE!! Get Liquid Assets *NOW* for under 40 cents per serving!! Get 10% off your entire order with code CALEB - https://hamr.link/calebdrank 🔥 Get Your Own *Hammer Financial Score* → https://hamr.link/newquiz ============================= *Sponsors for This Video* ============================= You’re 30 seconds away from being debt free with PDS Debt. Get your free assessment and find the best option for you at https://PDSDebt.com/hammer If you or someone you know experienced serious mental health struggles as a result of social media use, you may be entitled to a potential recovery of over $1,000. Visit https://morganmorganpa.sjv.io/c/7273707/3841482/23429?sharedid=caleb-hammer to submit a claim now. ============================= *Education* ============================= 👉 Get access to EVERYTHING I offer all in one place: https://bit.ly/4sUm2pb ⚡Learn how to budget: https://bit.ly/4sspyGh ⚡Learn how to invest: https://bit.ly/41mr8OP ⚡Pay off your debt: https://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 01:34 Jobs & Income 09:07 do they even like each other? 19:28 i think they BOTH have attitude issues loool 25:45 living with your parents at 30 is brutal... 32:25 so he has NO plans for this food truck 39:00 anger and trust issues with kids, yay!! 49:56 shoutout Klarna #NotSponsored51:36 bros admitting to felony theft?? 59:51 bro discovered a new payment plan app LMAAO 01:09:34 COLLECTIONS COLLECTIONS COLLECTIONS 01:14:59 bullsh*t bullsh*t bullsh*t 01:19:07 bro couldnt handle the heat (hes innocent) 01:26:47 Budget!! ============================= Want more content? ============================= 🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips 🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel 🍿 Caleb Hammer Top Videos https://www.youtube.com/@CalebHammerTopVideos ============================= *Connect with me!* ============================= TikTok: https://www.tiktok.com/@calebhammercomposer X: https://x.com/sircalebhammer IG: https://www.instagram.com/calebhammercomposer/ Facebook: https://www.facebook.com/calebhammercomposer/ ============================= *Want to be a guest on Financial Audit?* ============================= 👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply *Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. Sponsorship and business inquiries: [email protected] Learn more about your ad choices. Visit megaphone.fm/adchoices

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

• 0:01Speaker 00

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

• 0:26Speaker 01

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

• 0:55Caleb Hammer?

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

• 0:58Speaker 03

  I hope I don't find anything, but...

• 1:00Caleb Hammer?

  Why do you have to go through it? Why do you feel like you have to go through it, though?

• 1:03Speaker 03

  Because that's how I found out last time.

• 1:05Caleb Hammer?

  Found out what?

• 1:06Speaker 03

  That he was cheating on me.

• 1:06Speaker 04

  Are you my mommy now and I have to tell you?

• 1:08Speaker 03

  You do the same thing.

• 1:09Speaker 04

  I'm talking.

• 1:10Speaker 03

  No, no, no, no, no. Let me... hush.

• 1:11Caleb Hammer?

  She recorded your guys' text conversations to send to her friend.

• 1:15Speaker 04

  That's [__] up. That is like our personal shit.

• 1:17Speaker 03

  I needed like another opinion on it.

• 1:19Speaker 04

  My privacy feels so violated by you doing that.

• 1:21Speaker 03

  I needed another opinion on it.

• 1:22Speaker 04

  This is bullshit. She should not be...

• 1:23Caleb Hammer?

  Okay, you want to step outside, okay? Can we let him outside? Dollar Wise is finally here, sending waves through the personal finance world. This is officially now the best budgeting app on the market. And I'm giving you a special deal to download. Get a free trial to test it out. And then you get the monthly plan at a 33% discount for the first three months, or the annual plan at an insane discount. And most people sign up for the annual version because this saves a lot of money. And you get my detailed 30-day meal plan, signed by me, mailed directly to you, plus the digital version of my cookbook for each recipe. Don't miss the opportunity of a lifetime. Download Dollar Wise and start your free trial. Go to dollarwise.com or click the link below.

• 1:59Caleb 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.

• 2:20Speaker 03

  Hi, I'm Lily. I'm 30 years old.

• 2:22Speaker 04

  Hi, I'm Luke. I'm 35. We're from Lexington, Kentucky.

• 2:25Speaker 03

  And this is Financial Audit.

• 2:28Caleb Hammer?

  Well, thanks for coming down to Austin, Lily. What do you do for a living?

• 2:32Speaker 03

  I'm a verification specialist.

• 2:36Caleb Hammer?

  What are you verifying?

• 2:37Speaker 03

  Medical insurance benefits.

• 2:38Caleb Hammer?

  Okay, very good. What are you making this job?

• 2:41Speaker 03

  $40,000 a year.

• 2:42Caleb Hammer?

  Lexington, Kentucky. I'm gonna assume it's like, if we're looking at like median in the United States, probably right around there, maybe a little bit low. I'm thinking it's not crazy, unless I'm completely wrong, but I'm not the most Kentucky-educated person. How many hours a week are you working?

• 2:56Speaker 03

  40.

• 2:57Caleb Hammer?

  Okay. Why are you septum piercing? You're not like the classic septum piercing. You're kind of more of like... You should be translating to Karen.

• 3:06Speaker 03

  No.

• 3:08Caleb Hammer?

  I mean, you look like you're supposed to be, but you're in septum piercing land. It doesn't really make sense.

• 3:14Speaker 03

  I used to have purple hair.

• 3:15Caleb Hammer?

  Oh, [__].

• 3:17Speaker 04

  She did.

• 3:19Speaker 04

  I like what I like.

• 3:20Caleb Hammer?

  You liked... okay.

• 3:21Speaker 04

  She is a dime.

• 3:22Caleb Hammer?

  You're gonna get... What hits your account per paycheck cycle? What is that per paycheck cycle?

• 3:28Speaker 03

  Unless I work like a smidge overtime, it's like 1098.

• 3:31Caleb Hammer?

  Well, do you usually work a smidge overtime?

• 3:34Speaker 03

  Depends, but not really.

• 3:36Caleb Hammer?

  So not really? Uh, so what's your average, then?

• 3:38Speaker 03

  1098.

• 3:40Caleb Hammer?

  Every...

• 3:41Speaker 03

  Two weeks.

• 3:42Caleb Hammer?

  Okay. Oh, I certainly hope this dude makes some money. What do you do, Luke, for a living?

• 3:47Speaker 04

  Uh, I'm in food service. I actually have two jobs. Um, I work at a fast food restaurant part-time.

• 3:52Caleb Hammer?

  Which one?

• 3:54Caleb Hammer?

  Yeah.

• 3:55Speaker 04

  Yeah.

• 3:55Caleb Hammer?

  Dude, that gravy and those tenders are [__].

• 3:59Speaker 04

  The gravy is very easy to make.

• 4:01Caleb Hammer?

  Well, it's gravy. Okay, and what do you do with that?

• 4:04Speaker 04

  So I'm a cook there. And then I work at a middle school as a lunch lady.

• 4:09Caleb Hammer?

  Right.

• 4:09Speaker 04

  Yeah.

• 4:10Caleb Hammer?

  And how many hours a week do you work there? What's your pay in both of these locations?

• 4:13Speaker 04

  Gotcha. So I'll start with the middle school. That's my main job. Um, it is contracted. So what that means is I gotta set contract for however long the school year is, whatever. So...

• 4:23Caleb Hammer?

  But not independent contractor?

• 4:24Speaker 04

  No, no, no. That's what...

• 4:25Caleb Hammer?

  Yeah, yeah, yeah.

• 4:26Speaker 04

  So, um, basically, every week I make $311. Or every two weeks, my apologies.

• 4:34Caleb Hammer?

  What?

• 4:35Speaker 04

  So it's $622 a month at the middle school.

• 4:37Caleb Hammer?

  What the [__] could we do? Okay, and then...

• 4:39Speaker 04

  Um, $11 an hour. Um...

• 4:42Caleb Hammer?

  What are we doing? No one makes that low anymore.

• 4:46Speaker 04

  Take it up with Dairy Queen.

• 4:47Caleb Hammer?

  No, take it up with Lexington. Why are you there? Okay. No, no, no, I get it. I mean, what's the minimum wage in Kentucky?

• 4:54Speaker 04

  $725.

• 4:54Caleb Hammer?

  Okay, so federal.

• 4:56Speaker 04

  Yeah.

• 4:56Caleb Hammer?

  That makes sense, but dang, yeah, Lexington's a little behind.

• 4:59Speaker 04

  Sucks.

• 5:00Caleb Hammer?

  Well, but that usually means the cost of living there is likely cheaper, which is what I was suggesting at the beginning. And I might have to look it up. Okay, how many hours a week are you getting there?

• 5:09Speaker 04

  Dairy Queen, um, it's gonna be 80 hours a month, give or take. Because it's...

• 5:14Caleb Hammer?

  A month? What do you take home a month?

• 5:17Speaker 04

  Um, I think I estimated like 1,500 a month. That's with both combined.

• 5:27Caleb Hammer?

  You are 35.

• 5:29Speaker 04

  Indeed.

• 5:30Caleb Hammer?

  Well, you should be on indeed, because you're making 1,500 hours a month.

• 5:35Speaker 04

  But I'm a lunch lady. How cool is that?

• 5:37Caleb Hammer?

  Not, because you're making $622 a month from that. It's not very cool, is it?

• 5:42Speaker 03

  No, not at all. I can't stand it.

• 5:44Caleb Hammer?

  Karen's coming out. Huh?

• 5:46Speaker 04

  How is that not cool?

• 5:48Caleb Hammer?

  Oh, you're not paying... You're not getting paid enough to [__] the [__].

• 5:52Speaker 04

  It's a fun job, though.

• 5:53Caleb Hammer?

  Being a lunch lady?

• 5:55Speaker 04

  The kids are funny. You know how many farts I've seen in the lunchroom?

• 5:58Caleb Hammer?

  That's what we're basing our entire life around, seeing kids beat each other up.

• 6:02Speaker 04

  Well, it's like...

• 6:02Caleb Hammer?

  Go work in juvie, you'll make more being a guard.

• 6:05Speaker 04

  I've done that before.

• 6:06Caleb Hammer?

  Do it again.

• 6:07Speaker 04

  No, that shit's stupid.

• 6:09Caleb Hammer?

  But being a lunch lady is not? I mean, well, I mean, well, to do any... What's the highest paid person in your lunch lady service, do you know?

• 6:19Speaker 04

  Um...

• 6:19Caleb Hammer?

  Is there like a decent career position there? Because the lunch ladies, I [__]. You know, when I went to school, it's the same people forever. They did it forever.

• 6:26Speaker 04

  That's true.

• 6:27Caleb Hammer?

  But they couldn't do this forever, not that income.

• 6:30Speaker 04

  I work with some dinosaurs, I will say that. Um, they've been there since Jesus was born, but...

• 6:35Caleb Hammer?

  But that means they're like having a career.

• 6:37Speaker 04

  Right, right. So basically...

• 6:38Caleb Hammer?

  So what's the difference between you and them?

• 6:40Speaker 04

  The longer you've been there, the more you get paid, right? It stops at $19 an hour.

• 6:44Speaker 03

  And that's after working there for 10 years.

• 6:46Speaker 04

  20 years.

• 6:48Caleb Hammer?

  20 years?

• 6:50Speaker 04

  I want to make it a career, cooking, at least.

• 6:53Caleb Hammer?

  I have a feeling you're not necessarily on board with that.

• 6:56Speaker 03

  No.

• 6:57Speaker 04

  Look, she is...

• 6:58Speaker 03

  I...

• 6:59Speaker 04

  I'm speaking. She is like a spoiled brat, spoon-fed. Like mommy and daddy give her everything.

• 7:07Caleb Hammer?

  She makes the money, what? Well, what do you mean? Wait, no, no, no, what do you mean? She makes the money?

• 7:13Speaker 04

  I mean, but she spends it on everything.

• 7:17Speaker 03

  But I have the money to spend.

• 7:18Caleb Hammer?

  Well, do you? I mean, I don't think you'd be on this show if that's the case. Like, I don't know if I'm gonna agree with you there.

• 7:23Speaker 04

  No, you don't.

• 7:23Caleb Hammer?

  Do you?

• 7:24Speaker 03

  Yes, I do. Yes, I do.

• 7:25Caleb Hammer?

  Okay.

• 7:27Speaker 04

  You don't, but whatever.

• 7:28Caleb Hammer?

  Well, what's the disagreement there?

• 7:30Speaker 04

  Because she buys all this bullshit. Like, we ended up going to Walmart last night because...

• 7:35Caleb Hammer?

  I'm sure you did.

• 7:36Speaker 04

  We did, at 11 o'clock, tired as [__], but whatever. Um, we ended up getting something we did not need.

• 7:42Speaker 03

  I needed it.

• 7:45Caleb Hammer?

  What?

• 7:46Speaker 04

  It was a watch for her daughter.

• 7:49Speaker 03

  And my nose ring.

• 7:49Speaker 04

  Just because she needed it.

• 7:50Caleb Hammer?

  You actually just got that?

• 7:51Speaker 03

  No, I... the actual like ring part of it.

• 7:55Caleb Hammer?

  Okay. Why'd you need the watch for your daughter?

• 7:59Speaker 03

  Because she wanted it.

• 8:00Speaker 04

  She asked for it.

• 8:01Caleb Hammer?

  Can you describe that as a need?

• 8:05Speaker 03

  She wanted it for school.

• 8:06Caleb Hammer?

  Sure, I keep hearing the word want, but you said it was a need. Where's the need? I'm not hearing need.

• 8:11Speaker 03

  Because she needs a watch.

• 8:12Speaker 04

  Her kids are just like her.

• 8:13Caleb Hammer?

  Why does she need a watch? No one needs a watch.

• 8:15Speaker 03

  Yeah, she does, to learn the time.

• 8:17Caleb Hammer?

  Huh? Isn't that your kid?

• 8:19Speaker 04

  No, so we're a blended family.

• 8:24Speaker 03

  I have two kids, he has two kids.

• 8:25Speaker 04

  Yes.

• 8:26Caleb Hammer?

  You look like a thumb.

• 8:27Speaker 04

  A thumb?

• 8:28Caleb Hammer?

  Just the more and more I look at you, something's happening.

• 8:31Speaker 04

  Are you Jewish?

• 8:31Caleb Hammer?

  No.

• 8:32Speaker 04

  Can I call you Jew boy?

• 8:34Caleb Hammer?

  Well, I mean, you can, I'm not Jewish, but... What does that have to do with how you look? There's something happening. It's like, I've seen you somewhere.

• 8:45Speaker 04

  Really?

• 8:46Caleb Hammer?

  Yes, no, no, like Planet of the Apes or something. Like, there's something going on.

• 8:51Caleb Hammer?

  Okay, I'm just sorry, I was taken away. No, I mean, hey, you can be bald, it's okay. I've just... whatever's happening right here, I've never witnessed, other than like prosthetics in a movie.

• 9:00Speaker 04

  Oh, like this?

• 9:01Caleb Hammer?

  Yes.

• 9:01Speaker 04

  Bro, I hate this shit, but...

• 9:02Caleb Hammer?

  Well, no shit, because it's crazy.

• 9:04Speaker 04

  I can put a pencil there and hold it.

• 9:06Caleb Hammer?

  Okay, so, what were we saying?

• 9:09Speaker 04

  She needed the watch.

• 9:10Speaker 03

  Yes.

• 9:11Caleb Hammer?

  Obviously, you didn't need to, so...

• 9:14Speaker 03

  She needed it for school.

• 9:16Caleb Hammer?

  The disagreement clearly though is on the more career position. So what's your perspective here? I mean, obviously you don't like it. He thinks it's fun, so, but tell me what's going on in the conversation around it.

• 9:26Speaker 03

  Fun's not gonna get you anywhere. You need something stable. You need something that is gonna last throughout the summer. You need something that's gonna pay bills instead of me having to cover like part of your bills. I pay my bills, so I don't know why you're rolling your eyes about it.

• 9:40Speaker 04

  I pay my bills too.

• 9:41Speaker 03

  With my help.

• 9:43Speaker 04

  You don't give me a dime.

• 9:45Speaker 03

  Yes, I do.

• 9:46Speaker 04

  No, you don't.

• 9:46Caleb Hammer?

  How do we, how, how are we disagreeing whether or not money's given? That's like a clear fact.

• 9:52Speaker 04

  Like you're good with giving me gifts. I'm cool with that and whatever.

• 9:56Caleb Hammer?

  That's not giving money to pay your bills.

• 9:58Speaker 04

  Yeah, I can pay my bills.

• 9:59Caleb Hammer?

  Then what are you talking about?

• 10:00Speaker 03

  I give him money to pay his bills.

• 10:02Caleb Hammer?

  How is there a disagreement on that? That is a clear yes or no fact.

• 10:05Speaker 03

  I don't understand what you're, I don't understand what you're disagreeing about.

• 10:09Caleb Hammer?

  Disagree?

• 10:10Speaker 03

  You pay your bills before.

• 10:11Speaker 04

  Are you crazy? You're just making this shit up. Like, what is going on?

• 10:14Speaker 03

  No, I'm not. You need to calm down.

• 10:15Speaker 04

  Whatever.

• 10:16Caleb Hammer?

  What is happening here, guys? What is that dynamic? I, I don't wanna, I, I want it to be a productive conversation for what it's worth. What is that dynamic? You guys aren't even looking at each other. What is the dynamic walking into this room? I don't know you. I go into these episodes blind. Give me a little something to work with here. Cause this is so far a little difficult to mediate. I'll be honest.

• 10:37Speaker 03

  I mean, we just have our disagreements. It gets intense sometimes, but it happens.

• 10:43Speaker 04

  I don't know. I, maybe she's just not used to someone like me. I don't know.

• 10:50Caleb Hammer?

  What is like you?

• 10:51Speaker 04

  I treat her like, like I worship the ground she walks on. I treat her amazing. I'm always there for her emotionally, like all this stuff.

• 11:00Caleb Hammer?

  You agree?

• 11:01Speaker 03

  Sure, until his like attitude comes out.

• 11:05Caleb Hammer?

  Why would his attitude come out?

• 11:07Speaker 03

  Literally, I could just say, I'm just like a little bit frustrated. I'm a little overwhelmed and he just is like, you're not allowed to feel that way. I'm not allowed to have my own feelings.

• 11:19Caleb Hammer?

  You hit her with, you're not allowed to feel that way.

• 11:22Speaker 04

  Dude.

• 11:22Caleb Hammer?

  Have you ever talked to a woman before? You know, that makes it worse.

• 11:27Speaker 04

  I've talked to, well, I better not say that. I've talked, no, I'm not gonna say that.

• 11:31Caleb Hammer?

  You're thirty five. I'm sure you've been around, had some fun. Who cares?

• 11:34Speaker 04

  Fair.

• 11:35Caleb Hammer?

  How long have you guys been together?

• 11:37Speaker 03

  A year and a half, a little over.

• 11:40Caleb Hammer?

  You guys fight before this episode or something?

• 11:43Speaker 04

  No. Yes.

• 11:45Caleb Hammer?

  Did you fight on the what?

• 11:47Speaker 04

  Well, we can go.

• 11:47Caleb Hammer?

  You're disagreeing with yourself.

• 11:49Speaker 03

  It was over a gas station. I was trying to find a gas station. We passed three of them on the way here and he would not tell me like to pull over or anything. Like, hey, there's a gas station over here. Hey, there's a gas station over there. And he just wasn't telling me anything. And I'm like, I need you to look up these gas stations so we can stop in.

• 12:05Speaker 04

  First of all, you did not tell me to look up any gas station.

• 12:08Speaker 03

  I need you to.

• 12:09Speaker 04

  What do you mean?

• 12:10Speaker 03

  You need to like chill your tone.

• 12:12Speaker 04

  Chill my tone?

• 12:13Speaker 03

  Yes, chill your.

• 12:14Speaker 04

  Ever.

• 12:14Speaker 03

  Okay.

• 12:16Caleb Hammer?

  What the do I do here?

• 12:18Speaker 04

  No, I, listen, listen, listen, hear me out, big dog.

• 12:21Caleb Hammer?

  I'm trying.

• 12:22Speaker 04

  So I assumed that the next gas station she sees on the road, she would just turn right in there and get one.

• 12:29Caleb Hammer?

  Oh, you were driving.

• 12:30Speaker 03

  Yes, and I'm in the middle of the road.

• 12:32Caleb Hammer?

  Well, fair enough. Why didn't you just go to the next gas station?

• 12:35Speaker 03

  Cause I didn't know where they are. I'm not around here.

• 12:37Caleb Hammer?

  But you just see them, I don't know.

• 12:39Speaker 03

  Cause I'm in this lane and they're all the way over in this lane. So I need to know when to get over.

• 12:44Caleb Hammer?

  Get in that lane.

• 12:45Speaker 04

  She's so scared to drive anywhere.

• 12:46Speaker 03

  When to get over in that lane.

• 12:47Caleb Hammer?

  You can just drive in the right lane. I'm confused. You think every lane's a mandatory turn right lane?

• 12:55Speaker 04

  I don't know.

• 12:55Caleb Hammer?

  Have you driven before? Okay, that's a weird thing.

• 12:58Speaker 03

  There are some like just turn only lanes here.

• 13:00Caleb Hammer?

  Yeah, but then you see it and you get out of the lane.

• 13:02Speaker 03

  Like last minute.

• 13:05Speaker 04

  I, I asked to drive, but she said, no.

• 13:08Speaker 03

  Do we need to talk about your foot?

• 13:11Speaker 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 required. Compatibility and availability varies eighteen plus.

• 13:35Caleb Hammer?

  Oh, my goodness, guys.

• 13:36Speaker 04

  We're not talking about my foot.

• 13:37Caleb Hammer?

  How often do you guys fight? Cause what the?

• 13:40Speaker 03

  Like pretty often.

• 13:41Caleb Hammer?

  Yeah, I would say so.

• 13:43Speaker 04

  They're not that bad.

• 13:44Caleb Hammer?

  Not that bad. You guys can barely communicate right now whatsoever.

• 13:48Speaker 03

  Like I said, I can't, I can't even like disagree with anything. And he, he's just like, it's my way or the highway.

• 13:54Caleb Hammer?

  Okay, there's kids in the picture, right?

• 13:56Speaker 04

  Yes.

• 13:56Caleb Hammer?

  Let me get, I'm trying to get a full, full picture here, I guess.

• 13:59Speaker 04

  Four kids.

• 14:01Speaker 03

  Between us both.

• 14:02Caleb Hammer?

  Yes, how many per each?

• 14:04Speaker 04

  Two, two.

• 14:05Speaker 03

  Two and two.

• 14:05Caleb Hammer?

  Yeah, ages.

• 14:07Speaker 04

  Um, I've got, thanks for letting me speak, by the way.

• 14:10Caleb Hammer?

  What are we doing? Come on, I mean, let's try to, okay, let's, come on.

• 14:14Speaker 04

  Um, so I've got my son who is three and then my daughter who is turning twelve next week.

• 14:23Caleb Hammer?

  Okay.

• 14:24Speaker 03

  Um, I have a daughter who is eight and a son who's five.

• 14:28Caleb Hammer?

  Does he not let you talk at home?

• 14:31Speaker 03

  What do you mean?

• 14:32Caleb Hammer?

  He just, what do you mean? What do you mean? What do I mean?

• 14:35Speaker 03

  I can talk as long as it's in a nice friendly tone and.

• 14:39Caleb Hammer?

  Why didn't you let her talk there? She's being fine.

• 14:41Speaker 04

  She always interrupts me every time, every time.

• 14:44Speaker 03

  You always interrupt me and I have to literally stop and be like, can I finish what I'm saying?

• 14:52Caleb Hammer?

  What is our hope here? I feel like you guys are using the show to stab each other right now. What is our hope here? What's going on? What are we talking about?

• 15:03Speaker 03

  I'm trying to get him to realize that he needs a job that's gonna actually pay bills. So he's not in all this debt.

• 15:10Caleb Hammer?

  Not unfair.

• 15:12Speaker 04

  Sure.

• 15:12Caleb Hammer?

  And you?

• 15:14Speaker 04

  She's got angry issues and she just expects.

• 15:17Caleb Hammer?

  You want me to solve that?

• 15:19Speaker 04

  Can you? Anger issue audit?

• 15:21Caleb Hammer?

  Oh.

• 15:23Speaker 04

  Can I go havesies on that?

• 15:25Caleb Hammer?

  I mean, I don't know. You, you've kind of been the one a little more snappy.

• 15:29Speaker 04

  Maybe I'm hangry, I don't know. I'm a big guy, I like to eat.

• 15:33Caleb Hammer?

  Why are you looking at me like that? That's crazy, dude.

• 15:36Speaker 04

  You're looking at me?

• 15:39Speaker 03

  Shut up, Mimsy.

• 15:41Caleb Hammer?

  No, you're looking at me like you're about to stick it in me, dude. It's wild.

• 15:46Speaker 04

  Brother, nah.

• 15:49Caleb Hammer?

  You're the one with the look, okay.

• 15:50Speaker 04

  You think she's a cover up or something?

• 15:53Caleb Hammer?

  Well, there are bisexual people out there, but what are you hoping for out of this conversation?

• 15:57Speaker 04

  I mean, I do have a dream.

• 16:00Caleb Hammer?

  What's your dream?

• 16:02Speaker 04

  I wanna put two together, right? My dream is obviously to marry her. I do love her.

• 16:07Caleb Hammer?

  Really?

• 16:07Speaker 04

  Yeah.

• 16:07Caleb Hammer?

  Really?

• 16:08Speaker 04

  We're engaged.

• 16:09Caleb Hammer?

  Oh, my.

• 16:11Speaker 04

  And then I want.

• 16:11Caleb Hammer?

  Well, that's quick. Oh, you could have fooled me. Okay, and what's number two?

• 16:16Speaker 04

  I wanna have a food truck, a dessert food truck.

• 16:20Caleb Hammer?

  Okay.

• 16:21Speaker 03

  He's actually really good.

• 16:23Speaker 04

  At everything.

• 16:23Caleb Hammer?

  At making food, like, like little like dessert stuff. He works at.

• 16:30Speaker 03

  Right.

• 16:31Speaker 04

  I've got plenty of.

• 16:32Caleb Hammer?

  And he warms things up at a public school.

• 16:34Speaker 03

  Yeah, and then like on the side.

• 16:36Speaker 04

  We do warm the things up, yeah.

• 16:37Caleb Hammer?

  Yes, I, come on.

• 16:39Speaker 04

  Um, so I've had a lot of food service experience over my years of being an adult. Um, I shadowed under a friendship for a year and a half.

• 16:46Caleb Hammer?

  Why are you working in, in a public school?

• 16:49Speaker 04

  Lexington's got some shit jobs. You either gotta be.

• 16:51Caleb Hammer?

  Why are you in Lexington? We as a human species move where there are opportunity, even back to the Polynesians.

• 16:58Speaker 04

  Well, that's why we're here. We can't afford shit to even move.

• 17:01Caleb Hammer?

  No, you can like, well, shit with kids, that is a little difficult. Okay, fair enough.

• 17:04Speaker 03

  And like my family is around where we live and I don't wanna like move away.

• 17:08Caleb Hammer?

  Yeah, but that's like a sacrifice we have to do for a better life for our own kids, right? This is something we have to do like, I could have stayed in my small town, smaller town, Kalamazoo, Michigan forever. I wouldn't have had the same opportunities that I've been blessed with since. I moved to a place with opportunities. I was an adult, I made the choice. But do you think your life would really be different though? If you were somewhere else? Cause even still, there are, people eat at nicer restaurants in Lexington still, promise you.

• 17:35Speaker 04

  Okay.

• 17:36Caleb Hammer?

  You're stuck as a cook. How, how can I take anyone's word that you're a great chef that's ready to open a restaurant? Do you support the adventure?

• 17:47Speaker 03

  Kinda. It takes a lot of money to like.

• 17:50Caleb Hammer?

  That's what I was gonna say. And you're already against him making fifteen hundred bucks a month? Are you ready to do two, three years with no money? Cause it's gonna be money in, not money out.

• 17:58Speaker 04

  You wanna go havesies on that? Like, I mean, I can do some gourmet pastries, some cinnamon rolls, some pumpkin rolls.

• 18:04Caleb Hammer?

  Okay, have you heard me speak positive about this yet? No. So you are, she's already struggling with you bringing in fifteen hundred. It's gonna be a couple of years before you generate a profit. Usually with most restaurants, food truck might be a bit easier.

• 18:17Speaker 04

  But you could help me start it. You can run, you can run the whole thing.

• 18:20Caleb Hammer?

  Okay. I appreciate it. Obviously, I'm not going to, shut the up. So what are your thoughts on this?

• 18:26Speaker 03

  Like I said, it's gonna take a, a while to like build up, maybe.

• 18:30Caleb Hammer?

  That is true. So what are your thoughts on it though? Like that is a fact. Now what are your thoughts?

• 18:35Speaker 03

  We have other shit to take care of right now. Like it, we can't just like drop everything. We have all this debt, you have all this debt.

• 18:43Caleb Hammer?

  Is it just him?

• 18:44Speaker 04

  No.

• 18:45Speaker 03

  I have like a car loan.

• 18:47Caleb Hammer?

  That's a debt.

• 18:48Speaker 04

  Exactly.

• 18:48Caleb Hammer?

  Car loans is often besides a mortgage, if you have that, he doesn't work.

• 18:53Speaker 03

  He has more debt.

• 18:54Caleb Hammer?

  Oh, well, it's not a competition, dude. Car loans are one of the biggest we have as far as minimum monthly payments go.

• 19:02Speaker 04

  I need a car.

• 19:02Caleb Hammer?

  In the United States, you don't even have a car. How are you gonna, how do you get, how do you get to school?

• 19:06Speaker 04

  So.

• 19:07Caleb Hammer?

  Take the bus with the kids?

• 19:08Speaker 03

  My dad's car.

• 19:09Speaker 04

  So we do stay with her parents, by the way, in a grand.

• 19:11Caleb Hammer?

  You make more money driving the buses for the school.

• 19:13Speaker 03

  Probably.

• 19:14Speaker 04

  You're not wrong with that. I should do that.

• 19:15Caleb Hammer?

  No shit. You are like the lowest income person I've had on the show. A long time. You are a failure of a thirty five year old. You'd know you're, well, okay, how are you not a failure?

• 19:27Speaker 04

  First of all, I'm a bald baddie, right? I'm beautiful. I love how.

• 19:32Caleb Hammer?

  You're gonna annoy me, okay.

• 19:33Speaker 04

  Good. But I don't know. So let me get back to the car thing, right? If you don't.

• 19:38Caleb Hammer?

  Okay.

• 19:39Speaker 03

  He also used to drive his ex's car before he moved in with me. So he's literally never had a car since I met him.

• 19:47Speaker 04

  Do one thing at a time.

• 19:48Speaker 03

  Can you chill out?

• 19:50Speaker 04

  Can you chill the out?

• 19:51Speaker 03

  Okay.

• 19:53Speaker 04

  Anyway, I'm borrowing her dad's Jeep. Okay? That's how I get to work and from work. Right? Um, he's nice enough. Her, her mom and dad are nice enough. Let me use the vehicle. Okay. But obviously, yes, I do need to get my own vehicle.

• 20:06Caleb Hammer?

  If I'm not mistaken, you're kind of complaining how her parents like give her money and she's spoiled, but you're the one that's actually getting blessed by her parents at the beginning. Like what the, what the, like you're, you're receiving the exact thing you were bitching and moaning about and having resentment over.

• 20:23Speaker 04

  Well, I feel like that I'm the best relationship she's ever had. And I think they feel that way because

• 20:29Caleb Hammer?

  Well, she's still with you. So I guess she agrees.

• 20:31Speaker 04

  Maybe they owe me it. Owe it to me.

• 20:33Caleb Hammer?

  Did I catch you guys in a bad time?

• 20:35Speaker 04

  What do you mean?

• 20:36Speaker 03

  He, he, he just has like an attitude problem.

• 20:39Caleb Hammer?

  And you can deal with this?

• 20:41Speaker 03

  Sometimes.

• 20:41Caleb Hammer?

  I wouldn't be able to deal with it. Sometimes.

• 20:44Speaker 03

  Yeah.

• 20:44Speaker 04

  She's got the attitude, not me.

• 20:46Speaker 03

  I told him upfront that I have like issues. He tried to make it seem like, um, like he was this like calm, cool, collected.

• 20:55Caleb Hammer?

  What?

• 20:56Speaker 03

  Oh, yeah. And then it was like 180.

• 21:00Speaker 04

  No, no, no. Her anger issues and how she takes that out on me changed my whole mental mindset. She has made me into who I am now. I get set off by anything. I go from zero to a hundred. It is your fault.

• 21:11Speaker 03

  Okay.

• 21:11Speaker 04

  I have never been treated like this in any relationship I've ever been in.

• 21:14Caleb Hammer?

  Treated like what? Tell me.

• 21:15Speaker 04

  Like a dog shit.

• 21:16Caleb Hammer?

  But tell me, I need examples.

• 21:17Speaker 04

  She has repeatedly yelled at me. I remember one fight we had. We were on the way to her daughter's basketball game and it was about me going down to the basement to go clean up some stuff. And then it was maybe 10 minutes. And she's like, where you been? And I'm like, in the basement cleaning. And she's like, why didn't you tell me? I'm like, oh, so I'm, are you my mommy now?

• 21:42Speaker 03

  Okay, but you do the same thing to me. No, no, no, no, no. Let me, hush. You do the same thing to me. You'll be like, what are you doing? Where are you? I could literally get up and go to the restroom. What are you doing? Where are you going?

• 21:59Speaker 04

  I don't, I don't, but basically like, you messed up my turn of thought because I was talking about the, the argument. We were driving to the basketball game. Thank you. So I'm thanking myself, right? Third person. That's cool, right? No, it's not. Um, so she, we were, we were yelling at each other over the fact that we, that she was saying like, where are you at? All that stuff. And she has some kind of psychotic break or something. I don't know what the fuck happened. She's driving. I begin to like, start fearing for my life. She's like slamming her hands on the steering wheel.

• 22:29Caleb Hammer?

  The kids in the car?

• 22:30Speaker 03

  No.

• 22:30Speaker 04

  No. Um, I thought maybe we were going to go into a ditch, whatever.

• 22:35Speaker 03

  It was not that traumatic.

• 22:37Speaker 04

  It was, I got PTSD.

• 22:39Caleb Hammer?

  There's no chance. You fight every day.

• 22:41Speaker 03

  Not like every day.

• 22:42Speaker 04

  Not every day.

• 22:42Caleb Hammer?

  What?

• 22:43Speaker 04

  We have good times.

• 22:44Speaker 03

  Yeah.

• 22:45Speaker 04

  The good times outweigh the bad, for sure.

• 22:46Speaker 03

  Yeah.

• 22:46Caleb Hammer?

  Okay. Why'd you come in here on a bad time?

• 22:52Speaker 04

  She came me out to, not three, but like 11:30 at night at Walmart. Cause she needed a nose ring and a watch for her daughter.

• 22:58Caleb Hammer?

  She did. Last night?

• 23:00Speaker 03

  Yeah.

• 23:01Caleb Hammer?

  In Austin?

• 23:02Speaker 03

  Yes.

• 23:03Speaker 04

  Scared shitless.

• 23:03Speaker 03

  There was no other stores. I really, I originally wanted like a new.

• 23:05Caleb Hammer?

  But you didn't need to get a watch for your daughter in Austin.

• 23:09Speaker 03

  It just, I happened to find it because I was looking for one anyway, and I just found one.

• 23:13Caleb Hammer?

  You didn't need to be at Walmart at 11:30 PM, the day before coming on the show.

• 23:17Speaker 03

  I had a different nose ring and it looked weird.

• 23:19Caleb Hammer?

  No one gives a.

• 23:20Speaker 03

  I do.

• 23:21Caleb Hammer?

  I'm going to 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 out of debt.

• 24:03Caleb Hammer?

  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 30 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 deletes it because it's way too complicated to use.

• 24:46Caleb Hammer?

  So you go to EveryDollar. That's Dave Ramsey, the personal finance guy, right? Well, they're going to force you to use it his way. That's not very personal finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end? Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like Dollar Wise. Built by these people just like you, for people just like you. No private equity, no gimmicks, just the best budgeting app there is. Download it now, start the free trial, dollarwise.com. Link in the description below. Great. Okay.

• 25:27Speaker 04

  I do like her jewelry.

• 25:29Caleb Hammer?

  Well, that's good. I'm glad. I, obviously you guys like something about each other because you're willing to put up with the I wouldn't be able to put up with the day in this relationship. I don't know how you guys do it. I don't know how the kids do. Do all four live with you guys?

• 25:40Speaker 03

  No.

• 25:41Caleb Hammer?

  So who, who lives with who?

• 25:44Speaker 03

  His daughter is in Tennessee.

• 25:46Caleb Hammer?

  That's the older one?

• 25:47Speaker 04

  Yes.

• 25:48Speaker 03

  And then the kids' schedule, they're half with me, half with their dad and same with his son.

• 25:55Speaker 04

  Yes. So my baby mama number two.

• 25:59Caleb Hammer?

  Great.

• 25:59Speaker 04

  I got two baby moms.

• 26:00Caleb Hammer?

  Are you gonna do it again?

• 26:03Speaker 04

  Three's a charm.

• 26:04Caleb Hammer?

  What is it with the show and the most failures among society being the ones that reproduce the most? It is impressive. It is impressive.

• 26:12Speaker 04

  If we get pregnant and we have a baby, could be the next president.

• 26:15Caleb Hammer?

  Maybe, I guess. I don't know. It is for you guys. I don't know. I mean, okay. Um, are you guys actively trying for a kid? You guys are engaged?

• 26:24Speaker 04

  We though.

• 26:26Caleb Hammer?

  And is it protected?

• 26:27Speaker 03

  Yes.

• 26:28Speaker 04

  Yes. Well.

• 26:28Caleb Hammer?

  Okay.

• 26:29Speaker 03

  Yes, it is.

• 26:31Speaker 04

  We go raw then, one about, you know.

• 26:32Caleb Hammer?

  Huh? That's not protected.

• 26:34Speaker 03

  It's like half and half.

• 26:35Caleb Hammer?

  Well, that's not protected. Why even go half and half if the other half is no?

• 26:39Speaker 04

  I can hold my shit in.

• 26:41Caleb Hammer?

  What do you mean by that? But like 30% of men or something have semen in their precome.

• 26:46Speaker 04

  I don't precome.

• 26:47Caleb Hammer?

  That's, that's not a thing.

• 26:48Speaker 04

  I gotta turn off valve. I'm good.

• 26:49Caleb Hammer?

  But he pulls out.

• 26:51Speaker 03

  Yeah.

• 26:53Speaker 04

  If I don't have a condom.

• 26:54Caleb Hammer?

  So what's our living situation then with these kids? I don't know how you can afford a place. Like it must be a cheap place.

• 27:00Speaker 03

  No, we live in, uh, the parent, the, my parents basement.

• 27:05Caleb Hammer?

  At 35 and 30?

• 27:06Speaker 03

  Yes. We can't afford anyone else.

• 27:08Caleb Hammer?

  And you're talking about opening a business? What are we on about? Do you not give a shit about your kids? Go start a fucking career.

• 27:17Speaker 04

  How am I going to do that? I got my GD. That's my good.

• 27:19Caleb Hammer?

  Good. There you go. And you have experience. Now start working your way up somewhere. Become a manager. Start doing some shit. Yeah, right? Why? Yeah, right?

• 27:28Speaker 03

  He has manager experience.

• 27:29Speaker 04

  I do.

• 27:29Caleb Hammer?

  Well, there you go, dude. We've had managers at like Whataburger and stuff make six figures on this show.

• 27:34Speaker 04

  I mean, I was close.

• 27:35Caleb Hammer?

  We know Panda Express, they get like 120.

• 27:37Speaker 04

  I was making six figures.

• 27:38Caleb Hammer?

  Is there a Buckeyes nearby?

• 27:40Speaker 03

  No.

• 27:40Speaker 04

  No.

• 27:41Caleb Hammer?

  Okay.

• 27:41Speaker 04

  Not close enough to like commute to for work.

• 27:43Caleb Hammer?

  Cause they make over six figures. Like there's actually, this is, because those are in-demand positions. Cause fast food is hard to fill.

• 27:50Speaker 04

  Yeah.

• 27:51Caleb Hammer?

  They will pay.

• 27:52Speaker 04

  Before her, I was making.

• 27:54Caleb Hammer?

  Nothing with that? Come on. Yeah. What were you making?

• 27:56Speaker 04

  So I was making around 90K plus. It was commission based. I was a timeshare sales manager. Um, in Tennessee and I was making bank. Okay? And I feel like honestly, that's why.

• 28:08Caleb Hammer?

  Why don't you go do that?

• 28:10Speaker 04

  You got a timeshare in Lexington? The, what do you mean?

• 28:13Caleb Hammer?

  Okay. Why don't we go back there then?

• 28:16Speaker 04

  She's not leaving the silver screen.

• 28:18Speaker 03

  Leaving my parents.

• 28:18Caleb Hammer?

  How far of a drive is it?

• 28:20Speaker 03

  It's in Tennessee.

• 28:21Caleb Hammer?

  Okay, that's not the worst. Tennessee, Kentucky are close and you guys are from small states. Micro dick states.

• 28:28Speaker 03

  I, I don't know. I just don't, I don't like being that far away from my family. I like to be able to like just drive to my mom's house whenever I want.

• 28:36Caleb Hammer?

  Well, then you might have to accept that there's going to be lower income opportunities for the rest of your life.

• 28:41Speaker 04

  I mean, I think if we moved, it would be a good thing.

• 28:44Caleb Hammer?

  I mean, objectively, career wise.

• 28:47Speaker 03

  I have a good career right now.

• 28:48Caleb Hammer?

  Honestly, you really don't make much. You really don't make much.

• 28:52Speaker 04

  You work from home.

• 28:53Caleb Hammer?

  Yeah. What's wrong with that?

• 28:54Speaker 04

  I'm not saying there's nothing wrong with that.

• 28:56Caleb Hammer?

  You're like attacking her for that.

• 28:57Speaker 04

  No, I'm saying we can move because she can take that job anywhere. Right? We can move down to some, move, move somewhere else.

• 29:03Caleb Hammer?

  Okay. Yeah, sure. Um, okay. So what's our plan then with the business?

• 29:12Speaker 04

  I don't want her up to you, so go ahead.

• 29:15Speaker 03

  I mean, you'll have to, yeah.

• 29:17Speaker 04

  Well, I mean, I thought she was going to interject on something. I felt like she was, but. Okay. So I'll just start then, since she don't want to say anything.

• 29:24Caleb Hammer?

  She doesn't even fully necessarily support the business, but she certainly doesn't support what you're doing now. So what's the plan?

• 29:30Speaker 04

  So the plan is, so we are getting married.

• 29:33Caleb Hammer?

  When? Why?

• 29:34Speaker 04

  Cause we love each other.

• 29:36Caleb Hammer?

  When?

• 29:37Speaker 04

  So it's November 6th, 2027. Um, when we do, that's our wedding date.

• 29:44Speaker 04

  So we're going to have a little bit of money left over after the wedding to either do honeymoon.

• 29:49Caleb Hammer?

  From who?

• 29:50Speaker 04

  Just gifts and stuff.

• 29:51Speaker 03

  Yeah. And we're.

• 29:52Caleb Hammer?

  We've been talking about money. Pay for the wedding though?

• 29:55Speaker 00

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• 30:20Speaker 03

  Well, wedding and honeymoon. We've been saving up.

• 30:23Speaker 04

  Yeah, we're saving.

• 30:23Caleb Hammer?

  You have money.

• 30:25Speaker 04

  We're broke.

• 30:27Speaker 03

  We have some saved.

• 30:29Speaker 04

  Yeah, I know we do.

• 30:30Caleb Hammer?

  For the wedding?

• 30:30Speaker 03

  Yes.

• 30:31Speaker 04

  Yeah, we.

• 30:31Caleb Hammer?

  How much is the wedding gonna cost?

• 30:32Speaker 03

  Like 10,000?

• 30:34Caleb Hammer?

  And how much you have saved?

• 30:36Speaker 04

  Three thousand? Yeah, 3,000.

• 30:40Caleb Hammer?

  You need to go to the weddings that are clean. How much debt do you guys have combined? You're about to be, we should know as a household, how much you guys have combined?

• 30:46Speaker 03

  I just have the car.

• 30:47Speaker 04

  She has medical debt, whatever.

• 30:49Speaker 03

  Oh, I have medical debt.

• 30:49Caleb Hammer?

  I didn't ask what you have. I asked what number you guys have combined.

• 30:53Speaker 04

  There's so much for me.

• 30:55Caleb Hammer?

  Savings is 2.5, but I will tell you that barely even scratches the surface of the debt. About 10%, wouldn't even come close, even if you used it towards something that's even more important. So again, what's the plan with the restaurant? Cause you're gonna be going in with nearly 30,000 dollars to consumer bad debt. Into this marriage with kids to take care of and no good careers to speak of. I'll get you both course career certifications individually. Congratulations, people in the audience have converted them into six-figure jobs constantly in the trades and tech, whatever you want to do.

• 31:25Speaker 04

  Okay.

• 31:26Caleb Hammer?

  But clearly right now, this is a joke and the wedding's gonna cost money. And you're barely gonna pay for it, cause I don't know how you're gonna save off from that, cause your minimum payments are insane. Your budget's an absolute joke. And the money that you get after your wedding is probably just gonna go towards even paying off what you borrowed to even get to the wedding. Then we're still gonna be like 30,000 dollars a debt. And then you're gonna start a company that's gonna take like two years until you barely break even and the margins aren't even great. So what's your plan?

• 31:51Speaker 04

  That's why you should help me with it.

• 31:52Caleb Hammer?

  So what's your plan?

• 31:53Speaker 03

  He wants to use the money after the wedding, however much we have left.

• 31:58Caleb Hammer?

  We already established it's gonna go towards paying for the debt that was used for the wedding.

• 32:01Speaker 03

  Gonna go for the honeymoon that I want.

• 32:03Speaker 04

  I don't think she'll do that.

• 32:04Caleb Hammer?

  What honeymoon do you want?

• 32:06Speaker 03

  I wanna go to Ireland for like 10 days, two weeks.

• 32:09Caleb Hammer?

  What is that gonna cost?

• 32:10Speaker 04

  Doesn't even like flying an airplane. It took everything within her to even get here.

• 32:14Speaker 03

  I'll get over it.

• 32:14Caleb Hammer?

  Well, she did it.

• 32:16Speaker 03

  Yeah.

• 32:16Speaker 04

  She about squeezed my arm off.

• 32:18Caleb Hammer?

  But she did it. How much is that gonna cost?

• 32:21Speaker 03

  Oh, I don't know. However much it is.

• 32:23Caleb Hammer?

  Thousands, three for both of you, maybe?

• 32:25Speaker 04

  Yeah, it would, cause we wanna go for at least 10 days to two weeks. It would take every bit of what we have left over from the wedding, I'm sure.

• 32:32Caleb Hammer?

  Yeah, and you guys are gonna wanna do nice things there.

• 32:34Speaker 04

  See, my, my thing is like.

• 32:37Caleb Hammer?

  Oh, let's hear about this.

• 32:38Speaker 04

  So, listen buddy, you don't wanna do that with me.

• 32:42Caleb Hammer?

  Do what? Listen?

• 32:43Speaker 04

  Just let me talk.

• 32:45Caleb Hammer?

  I am? That's why I said, let's hear about this.

• 32:47Speaker 04

  Okay, thank you. But.

• 32:49Caleb Hammer?

  This fuck. Okay, go on.

• 32:51Speaker 04

  Okay, okay.

• 32:52Caleb Hammer?

  Just yap, dude. I'm listening. I'm waiting.

• 32:55Speaker 04

  Okay, so my goal is, or my, my, I'm a bald baddie, okay?

• 33:02Caleb Hammer?

  Go on.

• 33:02Speaker 04

  Mr. Clean looking motherfucker, okay? Okay, so if I can do the food truck and it's in a surplus, we're doing good in business. We can, we can move to Ireland. We can go to Dubai. We can, we can go wherever we want to.

• 33:18Caleb Hammer?

  You're talking about? I need your business plan for this food truck. Desserts, what desserts are you making?

• 33:23Speaker 04

  So cinnamon rolls, cheese danishes, croissants, cheesecakes. I do a lot of cheesecakes, like mini cheesecakes.

• 33:29Speaker 05

  I love cheesecake. I love cheesecake at nighttime, real late at night.

• 33:33Caleb Hammer?

  Do we have a piece of paper? Can we get a piece of paper for this man? A piece of paper and a pen, please. Okay, so that's good. Little dessert thing. Where are you opening it?

• 33:42Speaker 04

  Well, I mean, just wherever a truck can be set up. What do you mean?

• 33:45Caleb Hammer?

  That is a very important part of whether or not people come up to the food truck to eat.

• 33:50Speaker 04

  Obviously, I would scout out where to put it.

• 33:53Caleb Hammer?

  You haven't?

• 33:53Speaker 04

  College camp.

• 33:55Caleb Hammer?

  How are you funding this? How much is this gonna cost?

• 33:58Speaker 04

  Jesus. A lot.

• 34:07Caleb Hammer?

  Wow, incredible.

• 34:09Speaker 04

  So, um.

• 34:11Speaker 03

  You said like 5,000.

• 34:13Speaker 04

  It's, it's gonna be more than 5,000 probably, I'm sure.

• 34:15Speaker 03

  That was just what you told me.

• 34:16Speaker 04

  I mean, we don't really need ovens or anything, cause I could still probably do that in like a, at the house, whatever, that I don't have. Damn.

• 34:24Caleb Hammer?

  Yeah, you live with your parents. Yeah, your life's a joke.

• 34:27Speaker 04

  Um, I would say maybe about 30K, to be honest with you.

• 34:31Caleb Hammer?

  No, I'm doing the calculations right now. All right, this is what we're gonna do in the post-show. Our panel, which is me, Brandon and Lindsay, as you know, I'm from Hammer Elite. We're gonna each sample your best three desserts. And we will make sure we get you what you need to cook them here in the studio after we film and we'll eat it.

• 34:53Speaker 04

  Deadass?

• 34:53Caleb Hammer?

  So write down what you need, cause we don't have an oven here. So like if you need a little cook thing, if you need flat top. They call me the Gordon Ramsay of finance. Well, now we're getting just the Gordon Ramsay of Gordon Ramsay, okay? So you write the ingredients you need for your three best desserts that you can make in like 30 minutes. Um, so probably not a cheesecake, but go ahead. Write down, you focus, I'll focus on her.

• 35:14Speaker 04

  Okay.

• 35:14Caleb Hammer?

  He's a piece of shit.

• 35:16Speaker 04

  I can hear you.

• 35:17Caleb Hammer?

  Hey, focus. Write down what you need, including even like spatulas and shit. And one of my, one of my, I told you, one of my little.

• 35:25Speaker 04

  Okay.

• 35:26Caleb Hammer?

  One of my little gremlins will go shop, okay?

• 35:31Speaker 03

  Okay.

• 35:31Caleb Hammer?

  So what's going on at this household right now? How are the, how are the finances, man?

• 35:36Speaker 03

  I mean, I, I put back what I need. I pay my bills. Um, anything extra, I do whatever I want with. I'll get groceries, um, from me and.

• 35:50Caleb Hammer?

  I have the headphones. I have the headphones, please.

• 35:54Speaker 04

  What'd you listen to?

• 35:55Caleb Hammer?

  Mark literally took off his headphones for monitoring the audio of this episode, thinking that's.

• 36:03Caleb Hammer?

  And no, no, I need this man to lock the, and I just need to talk to my girl over here.

• 36:08Speaker 04

  Your girl. She's my girl.

• 36:10Caleb Hammer?

  Also, so here's the thing, guys. In Lexington, Kentucky, most realistic first time setup is gonna take, uh. It's usually two to three months working capital. It's gonna be 70 to 120,000 dollars to get this thing up and running. Uh, yeah, you guys make 3,696 dollars a month and live in the basement of your parents. I know you're joking about me investing, but like, how are we actually getting that money?

• 36:32Speaker 03

  I save a little bit, every paycheck.

• 36:34Caleb Hammer?

  Girl, $2,500 is what we've gotten to after a year together. And we have a wedding that's gonna cost 10 in a year and a couple of months.

• 36:43Speaker 03

  Well, my parents help out a little bit.

• 36:46Speaker 04

  Appreciate you.

• 36:46Caleb Hammer?

  So a lean and bootstrap version is 20 to, or 40 to 70,000 dollars. Minimum 40 would take you a decade to get to at your guys' pace. And then you're gonna have to plug it in, yeah.

• 36:59Speaker 04

  I got it.

• 37:00Caleb Hammer?

  Or did you? Cause you were trying to, you were doing something.

• 37:03Speaker 04

  I wanna do left and right.

• 37:08Speaker 04

  There's no music.

• 37:09Speaker 03

  See, that's the attitude, always.

• 37:11Speaker 04

  Do you want the desserts or not?

• 37:13Speaker 03

  Dude, chill out.

• 37:15Speaker 04

  Do not tell me to chill out.

• 37:16Speaker 03

  Chill out.

• 37:17Speaker 04

  Stop.

• 37:18Caleb Hammer?

  Do the kids witness this at home?

• 37:19Speaker 03

  No, no.

• 37:20Speaker 04

  No.

• 37:21Caleb Hammer?

  You'll wait until they're gone?

• 37:22Speaker 03

  Mm-hmm.

• 37:23Speaker 04

  We're asleep.

• 37:24Speaker 03

  We're asleep, yeah.

• 37:25Caleb Hammer?

  Which means you guys are just building her up all day.

• 37:28Speaker 04

  I can't hear you.

• 37:29Speaker 03

  Good, that's the point.

• 37:31Caleb Hammer?

  So I understand you say you deal with the fear stuff, but I want the whole household together. His money comes in, your money comes in, money's going out. How is the entirety? How's the communication done? How does this work in the house, the money?

• 37:44Speaker 03

  I mean, I figure out all the bills.

• 37:46Caleb Hammer?

  Everyone, for both of you combined, so not just you. Okay.

• 37:48Speaker 03

  Yes, I figure out all the bills, what we're gonna have to pay. I tell him what he's gonna have to pay out per paycheck. What I have to pay out per paycheck. I have like a month's bills set out in advance. And then I just pay as I go.

• 38:04Caleb Hammer?

  Okay, and are we making budget?

• 38:07Speaker 03

  Kinda.

• 38:08Caleb Hammer?

  I mean, you should. You live with your parents. What are even the bills?

• 38:12Speaker 03

  The bills are paid.

• 38:13Caleb Hammer?

  Oh, you are brain dead. When he's not talking, the more brain dead person, all of a sudden you look brain dead. What are the bills? You live at home with your parents. What are the bills?

• 38:25Speaker 03

  Like car payment, car insurance, subscriptions.

• 38:29Caleb Hammer?

  Keep going. What else is there?

• 38:31Speaker 03

  Doctor's appointments, medication I have to get.

• 38:35Caleb Hammer?

  Oh, is that big?

• 38:36Speaker 03

  My, uh, stuff for my kids. I put money back to my kids' savings.

• 38:42Speaker 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.

• 39:08Speaker 03

  Um.

• 39:08Caleb Hammer?

  What?

• 39:09Speaker 03

  Yeah.

• 39:10Caleb Hammer?

  How much is in their savings?

• 39:11Speaker 03

  Like, two, three.

• 39:13Caleb Hammer?

  You can't even put a roof over their heads. Stop.

• 39:15Speaker 03

  I don't know, like, specific, but it's around two to three.

• 39:17Caleb Hammer?

  Put a roof over their head. Stop that.

• 39:18Speaker 03

  They have it.

• 39:19Caleb Hammer?

  I want you to do that. They don't even have a place of their own. Come on.

• 39:22Speaker 03

  Um, we're getting there.

• 39:24Caleb Hammer?

  Dude's about to go into a forty thousand hour hole somehow, and he's gonna like payday loan it to do his little dream job, which we'll see if it's even worth in the post show. Oh, I hope they can read that handwriting. He's a

• 39:34Speaker 03

  And he's a lefty.

• 39:37Caleb Hammer?

  He's from the cave this morning. Okay, um, and how's the communication of the finances in the house?

• 39:46Speaker 03

  Well, I pretty much tell him, like, this is our budget. Um, and then.

• 39:50Caleb Hammer?

  So you tell him?

• 39:51Speaker 03

  Yeah.

• 39:51Caleb Hammer?

  And he says?

• 39:52Speaker 03

  Well, let's just pull a little bit out of savings. Um, let's, you, then we could put that back into savings.

• 39:59Caleb Hammer?

  For what?

• 39:59Speaker 03

  A little just random stuff, like.

• 40:01Caleb Hammer?

  For fun?

• 40:02Speaker 03

  Yeah.

• 40:02Caleb Hammer?

  Fun stuff?

• 40:03Speaker 03

  Yeah.

• 40:03Caleb Hammer?

  And you say?

• 40:05Speaker 03

  I tried to, like, convince him out of it, but.

• 40:07Caleb Hammer?

  Well, convince him. What do we have to convince him? I thought you ran the finances. If you run the finances, why do you have to convince him? So he gets, he forcefully takes the money out?

• 40:14Speaker 03

  No.

• 40:15Caleb Hammer?

  Then what the fuck are you talking about?

• 40:17Speaker 03

  I just feel bad, I guess.

• 40:20Speaker 03

  Cause like, he really wants it, and I feel bad for telling him no.

• 40:23Caleb Hammer?

  So you're both just endlessly giving into each other, which means, how long has he been doing this job? How long have you been fighting him to get a better job?

• 40:30Speaker 03

  Oh, gosh. Um, whenever we first got together, we, he was working at the hospital. And then,

• 40:40Speaker 03

  God, I can't, I honestly cannot remember whenever he started this one, but he was working.

• 40:43Caleb Hammer?

  How long have you been in, in general, pushing him to do better? Get a better job?

• 40:47Speaker 03

  Few months, like, since last year.

• 40:49Caleb Hammer?

  Okay.

• 40:50Speaker 03

  Since last year.

• 40:50Caleb Hammer?

  And, oh, last year hasn't been months. We're in August.

• 40:56Caleb Hammer?

  And what if he never does? What if he never does? Then what? What are we gonna do? Is it your working on getting a new place? But no, you're not. You guys don't make anything. Barely.

• 41:06Speaker 03

  I mean, we can just, I don't know.

• 41:08Caleb Hammer?

  And let's be honest. I mean, I've listened to this conversation. Answer this honestly. In this household, are there anger issues?

• 41:14Speaker 03

  Yes.

• 41:16Caleb Hammer?

  Tell me.

• 41:16Speaker 03

  Both of us. I mean, I'm bipolar. He wants, yeah. Like I said at the beginning, he's like, yeah, I'm very chill, very level-headed, blah, blah, blah, blah, blah. But he's definitely not. He, like, I have videos, like screenshots of, like, our conversations.

• 41:34Caleb Hammer?

  What?

• 41:34Speaker 03

  Like that, yeah. It's pretty bad. Yeah, with me.

• 41:38Caleb Hammer?

  Show me.

• 41:39Speaker 03

  Like, back and forth.

• 41:40Caleb Hammer?

  Show me, show me. Screenshots? Shit's crazy. It's like you're preparing to cancel him or something.

• 41:46Speaker 03

  It's just for, like, if we have a conversation and I could say, like, you're doing this again. He doesn't really know I have these screenshots, though.

• 41:57Speaker 03

  Okay, this is like five.

• 41:58Caleb Hammer?

  He still doesn't.

• 41:58Speaker 03

  This is like a five-minute-long video.

• 42:00Caleb Hammer?

  Oh, oh, my.

• 42:03Caleb Hammer?

  Okay, ladies and gentlemen, let's get into it. I'm gonna read it. Now, let's get this video.

• 42:07Speaker 03

  It's pretty bad.

• 42:07Caleb Hammer?

  Put it on screen. Okay, so it must start on this Friday thing. Okay, this is from you. You're blue.

• 42:14Speaker 03

  I'm.

• 42:14Caleb Hammer?

  Okay.

• 42:15Speaker 03

  Yeah.

• 42:16Caleb Hammer?

  She says, "All I was doing was trying to vent and get things off my chest so they don't linger, but I get told to chill out. I've told you before, that makes me so mad when people tell me to chill out or calm down." Always does for women. And then he says, "Okay, you're talk, you're taking what I said completely the opposite direction. What I was trying to say before you walked out the door was you need to calm down so you can breathe and not stress anymore, but you wouldn't let me finish." He said, she says, "So much better way to have word of that instead of telling me to chill out. All I wanted to do was vent about the situation." Okay, so far, this is like a normal man-woman conversation, but we'll see how it goes. He says, "Chill out never came out of my mouth."

• 43:00Caleb Hammer?

  Okay. By the way, why, why'd you even, why'd you take a screen recording of this conversation? Like, that's a, kind of like a crazy bitch move, unless there's like something legal in here.

• 43:10Speaker 03

  Well, I mean, it was, it was so bad, like, it ended up turning into another day where I was sick.

• 43:17Caleb Hammer?

  Why is a screen recording?

• 43:18Speaker 03

  Because I wanted to show my friend, like.

• 43:20Caleb Hammer?

  Your friend?

• 43:21Speaker 03

  Yes.

• 43:22Caleb Hammer?

  About your private relationship?

• 43:24Speaker 03

  It was honestly, like, the first time, and I was, like, on the verge.

• 43:28Caleb Hammer?

  Let's see. He said, "Oh, yes, it did. That's what made me mad. You need to chill out," is exactly what you said. He says, "No, honey, it wasn't, okay? But okay. You say, 'Yes, it was.'" He says, "I know what I said." You say, "That's why I walked out, because I hate that shit. I know what I heard." He says, "Why do you always have to? I hate the, what? Why do you always have to figure out? I hate that shit." What? I'm over it. I, oh, he goes back to lowercase. "I know what I said."

• 44:01Caleb Hammer?

  "Can we please have a peaceful weekend?" He says. You say, "Trying to, once again, tell you how I'm feeling and how what you said made me feel, but shut it down again." He says, "You coming out?" You say, "I'll."

• 44:15Speaker 04

  I'm done.

• 44:17Caleb Hammer?

  Put that back on, piece of shit.

• 44:20Speaker 04

  Piece of shit.

• 44:21Caleb Hammer?

  Oh, now put it on. Calm down.

• 44:25Caleb Hammer?

  And you say, "I'll just get my meds tomorrow," or, uh, "I'll just get my meds tomorrow." Well, it doesn't sound like a good idea.

• 44:33Caleb Hammer?

  Okay, take off real quick.

• 44:34Speaker 04

  Hey, stop.

• 44:35Caleb Hammer?

  Is this everything you need?

• 44:37Speaker 04

  Uh, yes.

• 44:38Caleb Hammer?

  Including cooking equipment and everything?

• 44:40Speaker 04

  Oh, shit. I thought you said a kitchen.

• 44:42Caleb Hammer?

  We have a kitchen, but not with a stove or anything, so you need to say what you need.

• 44:45Speaker 04

  I did it with.

• 44:45Caleb Hammer?

  We'll do hot plates and stuff.

• 44:47Speaker 04

  Well, I didn't, I didn't need another. I did it so I could just make it as simple as possible. Like, still good, still simple.

• 44:52Caleb Hammer?

  Okay, just tell us everything you need.

• 44:53Speaker 04

  I got you. I got a grocery list here and ramen.

• 44:55Caleb Hammer?

  You need nothing else.

• 44:56Speaker 04

  Do you have a whisk? Do you have mixing bowls?

• 44:58Caleb Hammer?

  I would put those on.

• 44:59Speaker 04

  Okay. Back on?

• 45:02Caleb Hammer?

  Back on. Okay. He says, "And now, and I know what I said, because I know that phrase makes you mad. Why would I purposely do it to set you the fuck off? That's the last, gosh, diddly-darn thing I want to do, trust me, because it's oh, when you get like this and push me into a corner. You push him into a corner? Or is he just saying that verbally?

• 45:27Speaker 03

  Uh, I guess I do. I don't try to on purpose, but.

• 45:30Caleb Hammer?

  Uh, you said, "Not what I heard." He says, "Well, I know what I said, and it wasn't. Calm down. I literally tiptoe around with what I say, so I don't set you off. And it wasn't. Chill out. I live in a constant fear of making you mad, so I choose my words carefully for the most part, especially after us just getting over an argument like we had the other day. I've been on my Ps and Qs about everything." Okay, so far, I'm relatively neutral, slightly leaning towards him so far. Does something get bad in here?

• 45:57Speaker 03

  Yes.

• 45:58Caleb Hammer?

  Okay, okay, because it is a very long video, I will say. Uh, but let's, uh, continue. "If you live in so much fear, why deal with me?" You say. He says, "'Cause the good times outweigh the bad." Well, that's what he said on the show, "But the bad times are terrible, so the good times are no, are, are, but the good, so, so the good times are damn good." You say, "I've told you from the beginning how I am. You're the one that ignored it." He says, "But that fear still remains." You say, "Yeah, I got pissed off, but I'm not gonna threaten to leave. I get pissed off, I talk about it, then after a while, I calm down." He says, "Yeah, I can't handle the stress you put me under when you get mad at the world. I literally wanna die in a hole." I'm gonna have you fast forward to where the bad stuff is then.

• 46:43Caleb Hammer?

  Cause so far,

• 46:47Caleb Hammer?

  you know, normal argument. Not something I've recorded to show people. My goodness, I don't tell, I don't tell people. Tell people that I'm friends with or anything, like, what I, me and my girl fight about. What the fuck is wrong with you? Also, yes, it's just like a year in, like, my gosh, this is such berating, such chaos. You guys have trust issues too? Why?

• 47:10Speaker 03

  Cause we both have been in really, really toxic relationships in our past.

• 47:14Caleb Hammer?

  Like this one? I would say. Uh, okay. Well, what do you do with the lack of trust?

• 47:20Speaker 03

  He goes through my phone, I go through his phone.

• 47:23Caleb Hammer?

  And what do you think you're gonna find in each other's phones? That's crazy.

• 47:27Speaker 03

  I hope I don't find anything, but.

• 47:29Caleb Hammer?

  Why do you have to go through it? Why do you feel like you have to go through it, though?

• 47:31Speaker 03

  Cause that's how I found out last time.

• 47:37Caleb Hammer?

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• 48:16Caleb 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.

• 49:01Caleb 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. Found out what?

• 49:10Speaker 03

  With my ex.

• 49:12Caleb Hammer?

  Found out what?

• 49:13Speaker 03

  That he was cheating on me.

• 49:14Caleb Hammer?

  Oh, my. And him? Why does he feel like he has to go through your phone?

• 49:17Speaker 03

  Same reason.

• 49:18Caleb Hammer?

  How often do you go through each other's phones?

• 49:20Speaker 03

  I really hardly don't, but then there was this other time he, like, snatched it out of my hand, and so I kinda got suspicious there, too.

• 49:29Caleb Hammer?

  What the fuck are you guys, man? This makes no sense to me. Okay, so cheating. Okay, well, we've had it on the show. Is he allowed to be friends with other women on social media? Is he allowed to follow other women on social media?

• 49:45Speaker 03

  It depends.

• 49:46Caleb Hammer?

  On?

• 49:47Speaker 03

  Like, does he know them, like, personally, like?

• 49:50Caleb Hammer?

  And if he does?

• 49:51Speaker 03

  If he does, that's fine.

• 49:52Caleb Hammer?

  You're okay with him knowing women personally?

• 49:54Speaker 03

  Yeah, of course.

• 49:54Caleb Hammer?

  And if he doesn't know them, he's not allowed to?

• 49:56Speaker 03

  Like, what's the point?

• 49:57Caleb Hammer?

  Follow a celebrity or something? I don't know, a podcast?

• 50:00Speaker 03

  That's, if he's never gonna meet them, that's.

• 50:02Caleb Hammer?

  How do you know? I don't.

• 50:05Caleb Hammer?

  Why am I being told you forced him to go down from $2,000 to 120, though? Following, he was following 2,000 people and you brought him down to 120. It's a little different than what you're saying.

• 50:15Speaker 03

  Cause they were random. He literally told me those are random ads that I added whenever I was single. Why are you adding a thousand girls?

• 50:23Caleb Hammer?

  Why make him like archive?

• 50:25Speaker 03

  I didn't really make him. He offered.

• 50:28Caleb Hammer?

  All right, well, let's get into the finances. What do you guys think your combined household financial score is? Zero being the absolute worst, 10 being the absolute best.

• 50:37Speaker 04

  Combined?

• 50:38Caleb Hammer?

  Yeah, that's because we are going into a marriage.

• 50:40Speaker 04

  That is true.

• 50:42Caleb Hammer?

  We live together and

• 50:43Speaker 04

  Yes.

• 50:43Caleb Hammer?

  We have kids.

• 50:44Speaker 04

  I would say a three.

• 50:46Speaker 03

  One.

• 50:47Caleb Hammer?

  Where's the disagreement? Why the disagreement?

• 50:49Speaker 04

  I don't think it's that bad because we do blow our money on dumb shit. I mean, well, I guess that makes it one.

• 50:53Caleb Hammer?

  You live with their parents. You can't get your kids their own place. Right? If you want your hammer financial score, take it for free at Caleb hammer.com. It's been reassessed, remade. It's now much more detailed. See where you stand in each category, what you need to do to do better. Check it out. It is free at Caleb hammer.com. And if you don't want to end up like a guest who ends up on the show, make sure you download the dollar wise budgeting app, the budgeting app we made for the average American instead of that over complicated bullshit that you try once it's too much. It doesn't actually help you and then you never use it after a week. So check it out. Get a free trial at dollar wise.com. Most people take the annual version after the trial because it saves nearly 50% on your money and you get my detailed 30 day

• 51:32Caleb Hammer?

  mail plan signed by me mailed directly to you physically and then the digital version of the cookbook as well. So check that out. It's a good time, guys. Dollar wise.com link in the descriptions below. Caleb hammer.com, all that good stuff. So, okay, what am I looking at? Past two, where are we past two? And this is like Klarna or a firm, one of those. Which one is it?

• 51:51Speaker 04

  That's mine.

• 51:52Caleb Hammer?

  Klarna, your Klarna, what? You so you want to run a business, but you can't even do this. You can't even play your Klarna sometime? How are you going to manage food costs? How are you going to manage utilities? The rent of the lot, paying for the loan that you never really get for the equipment and for the truck? How are you going to pay for that shit if you can't even pay a minimum monthly payment on a Klarna?

• 52:11Speaker 04

  That's why I'm here.

• 52:12Caleb Hammer?

  Oh, God, give me a better answer than that. That's why I'm here. You tell me how you, tell me how the you think you can run a whole business, but you can't do this shit. That's why I'm here. Shut up.

• 52:23Speaker 04

  I gotta lock in, grow up.

• 52:27Caleb Hammer?

  The fuck answer is that?

• 52:29Speaker 03

  Get a better job.

• 52:31Caleb Hammer?

  It's not interesting. No, are you misunderstanding my question? How do you think you're able to run a whole full on business when you can't even make a small $31.99 payment?

• 52:42Speaker 04

  I was on hard times. So that's why I did that stuff.

• 52:44Caleb Hammer?

  Are you still? Because pay the now then.

• 52:49Speaker 04

  I was just gonna let it go to collections.

• 52:50Caleb Hammer?

  Why?

• 52:51Speaker 04

  I don't make enough to pay it.

• 52:53Caleb Hammer?

  You're gonna need to borrow money to open this business? You don't want to your credit? What are you talking about? Go to collections. You're preventing this whole business. I was gonna give you money. You're gonna have to go to bank, small business loan. You're gonna have to do something like that. What the? What are you talking about?

• 53:06Speaker 04

  I mean, I got stuff I got selling on Facebook Marketplace. I've

• 53:08Caleb Hammer?

  Good. Do that. Pay this off.

• 53:10Speaker 04

  Well, I got an idea.

• 53:15Speaker 04

  I've probably not told you this, so.

• 53:19Speaker 04

  I'm gonna tell you anyway. Okay, anyway, so I do have some stuff like some TVs and some home decor stuff. I do have a storage unit and stuff.

• 53:28Speaker 04

  I worked at a resort and

• 53:31Caleb Hammer?

  Worked or work?

• 53:32Speaker 04

  Worked. I actually do work. Anyway. So I worked at the resort and I was a inventory specialist. And I would go make sure these rooms had what they needed in their room. Okay.

• 53:48Caleb Hammer?

  I don't like where this is going.

• 53:48Speaker 04

  I had access to their storage facilities. One day I noticed that they had no cameras in there or even around there or even leading down to my car. So they were about to remodel one of the towers at the resort and they had probably a hundred something 48 inch TVs.

• 54:06Caleb Hammer?

  Go my

• 54:08Speaker 04

  So it was a very slow day. I actually, so I actually had somebody there with me to open it up. I didn't have a key for the storage unit. But I did notice that there was a big space in the door. So I got a butter knife, popped it right open, went in there, took the TVs out of the box, left the boxes, kind of put them back where they went messed with. I loaded them into a big linen cart, rolled about three TVs down to my trunk of my car, put them in the trunk of the car. I did this for like a week or two weeks.

• 54:35Caleb Hammer?

  What? How far? Yeah, what the? You're a father. You want to marry a criminal like that piece of shit? How many TVs did you take? That's crazy. How do your morals even allow you to do that? That's insane.

• 54:46Speaker 04

  I mean, I was desperate. Like I needed money.

• 54:48Caleb Hammer?

  Then work more. Be a productive member of society. What do you mean? You start thieving. So it's okay when people steal from a grocery store? It's okay when they steal from CVS? What are you talking about?

• 55:00Speaker 04

  They had money. They can, they could replace them.

• 55:04Caleb Hammer?

  I have money. It's okay to steal from me?

• 55:06Speaker 04

  I wouldn't do that.

• 55:08Speaker 03

  Why do you still come down?

• 55:10Speaker 04

  I don't know. Just a lapse of judgment, I guess.

• 55:13Caleb Hammer?

  No, you're doing it continuously for a week. That's not a lapse of judgment one little time. You all had a little lapse of judgment, huh?

• 55:20Speaker 04

  Only took like between 12 to 15, not 20, but

• 55:24Caleb Hammer?

  Why haven't you sold them? How long have you had that?

• 55:26Speaker 04

  I sold some.

• 55:27Caleb Hammer?

  Why were you able to get for them?

• 55:28Speaker 04

  Well, they're hospitality TVs. So I had to go in with a remote with a secret menu and unlock them. I'm pretty tech savvy.

• 55:35Caleb Hammer?

  But you did that.

• 55:36Speaker 04

  Yes, I did.

• 55:36Caleb Hammer?

  So you're good.

• 55:37Speaker 04

  Yes.

• 55:37Caleb Hammer?

  How much did you sell? How many for?

• 55:39Speaker 04

  Um, I sold a majority of them. So I would say a little over 10, um, 12 ish.

• 55:47Speaker 04

  Because they were Samsung, they're very nice TVs. They probably could have went for more, but I was just trying to get money quick.

• 55:53Caleb Hammer?

  For what? What were you using the money for?

• 55:56Speaker 04

  Pay my bills.

• 55:56Caleb Hammer?

  No, this sounds like a addiction thing.

• 55:59Speaker 04

  I don't do it no more.

• 56:00Caleb Hammer?

  What did you do?

• 56:01Speaker 04

  Oh, I was the resort, like inventory.

• 56:05Caleb Hammer?

  No, you sound like someone that steals something to get meth.

• 56:08Speaker 04

  I'm clearly not on meth.

• 56:11Caleb Hammer?

  Okay.

• 56:13Caleb Hammer?

  Okay. So you were not addicted to something. It was purely for bills?

• 56:17Speaker 04

  Yeah, I was just desperate, honestly.

• 56:19Caleb Hammer?

  Work more. I'm so confused, especially for the money that you got from these TVs is like $1,200. You could have just worked more. I'm so confused. Well, this wasn't like the most insane life changing money.

• 56:30Speaker 04

  I do have to come clean about something else.

• 56:32Caleb Hammer?

  Oh, well, that wasn't clean enough. Okay, yes.

• 56:34Speaker 04

  So when I first met her and matched with her on Facebook dating.

• 56:39Caleb Hammer?

  Of course.

• 56:40Speaker 04

  I really, I don't know. I fell head over heels, infatuated almost instantly, right? So I was wanting to sell them. I sold them and I used some of that money honestly to buy her some gifts when we first got together.

• 56:53Caleb Hammer?

  You said you're desperate to pay your bills. That doesn't sound desperate.

• 56:57Speaker 04

  I mean, I made some money from it. So I had some extra and I wanted to spore a little bit.

• 57:04Speaker 03

  But like I didn't ask for them, you know, and especially with like that type of money. Cause like you made it seem that you had money, like that you were on top of everything because you would say, oh, I have this coming up. I have this bill coming up. I'll just pay it with this.

• 57:21Caleb Hammer?

  Are you a thief? You're okay with the gifts he has given you being from thieving?

• 57:29Speaker 03

  I mean, no, but I didn't know they were from thieving.

• 57:32Caleb Hammer?

  This seems like an underreaction to me. What gifts does she have? Are they still cherished? What like, what is it?

• 57:38Speaker 03

  Yeah, I have like some rings that he gave me. I'm actually wearing an anklet he got me.

• 57:43Caleb Hammer?

  But from, but from the selling of the TVs though.

• 57:46Speaker 04

  Yeah.

• 57:46Speaker 03

  Yeah, that was really stupid.

• 57:48Caleb Hammer?

  No, which one? Oh, you guys suck so bad. What gifts are from the selling of the TVs?

• 57:54Speaker 03

  That I don't know.

• 57:56Speaker 04

  The rings, you know how you ended up breaking your

• 58:01Speaker 04

  daughter and son birthstone ring?

• 58:04Speaker 03

  Yeah, it was cheap.

• 58:05Speaker 04

  Well, I bought you that new one with the TV money for your, yeah.

• 58:10Caleb Hammer?

  Congratulations. That is stolen money. Klarna, who has a Klarna in collections?

• 58:16Speaker 04

  That's me.

• 58:16Caleb Hammer?

  Why is it in collections?

• 58:17Speaker 04

  I just don't want to pay it.

• 58:18Caleb Hammer?

  It was $120. Why not? This is gonna your credit, which makes it you get more predatory debt. You want a car? How are you going to get a car loan? Good the block. You know, open a business? No. You're gonna apply for an apartment? No. It's so easy to clean up $120. Boom. You don't even make money, but you could pay that.

• 58:38Caleb Hammer?

  What?

• 58:40Speaker 04

  I don't know.

• 58:42Speaker 04

  I don't. This is just too much for me.

• 58:46Caleb Hammer?

  This is too much for you?

• 58:47Speaker 04

  Yeah.

• 58:48Caleb Hammer?

  Oh, she's starting to touch you. Oh, he's stressing out too much. It's like $120. You're gonna literally enable him for getting stressed at $120?

• 58:55Speaker 04

  It's just a lot.

• 58:56Speaker 03

  Yeah, I mean, I know he has a lot.

• 58:58Caleb Hammer?

  $120 is actually not a lot. That's what I'm trying to say is you can just pay it off.

• 59:03Speaker 03

  Overall, it's a lot. So like.

• 59:04Caleb Hammer?

  Well, yeah, but we haven't even gotten into anything.

• 59:09Caleb Hammer?

  Okay, do not open a business. You can't handle $120. You will not be able to handle the stress of running a business.

• 59:15Speaker 04

  So I got you.

• 59:16Caleb Hammer?

  No, I will never discuss anything with you ever after we are done filming. You do not have me in fact.

• 59:23Speaker 04

  Please?

• 59:24Speaker 03

  Jesus Christ.

• 59:26Speaker 04

  What?

• 59:28Caleb Hammer?

  Yeah, he's acting weird, right?

• 59:29Speaker 03

  Yeah.

• 59:30Caleb Hammer?

  Okay.

• 59:31Speaker 04

  Not that weird.

• 59:33Caleb Hammer?

  All right. Okay, you have an additional Klarna of $149.

• 59:37Speaker 04

  Okay.

• 59:38Caleb Hammer?

  Okay. After pay. Your after pay.

• 59:42Speaker 04

  Yep.

• 59:43Caleb Hammer?

  I mean, you're just have to, you know, you kind of take some, you put some towards it. That's kind of how it goes, but it's from Nicholas Charles Fragrances and 1-800-CONTACTS. I mean, that's fine to get contacts, but it's like fragrances, fragrances, fragrances.

• 59:58Speaker 03

  He loves cologne.

• 59:59Speaker 04

  I love cologne. Designer.

• 1:00:00Caleb Hammer?

  Congratulations. Pay to get a roof over your kid's head. Like, what? I think that's more important. You have child support?

• 1:00:07Speaker 04

  Yes.

• 1:00:09Caleb Hammer?

  Okay.

• 1:00:09Speaker 04

  I pay that. I pay that.

• 1:00:10Caleb Hammer?

  Yeah, that's good. But for the rest of it and supporting your children, get a roof over their head instead of financing expensive cologne. What the you doing, man? Like, this is pathetic.

• 1:00:20Speaker 04

  Her parents are helping us.

• 1:00:21Caleb Hammer?

  Yeah, but that's not you doing it. They don't have a roof over. This is how they're gonna look at their parents. This is, and it's pathetic. You both are pathetic, the way you are raising your kids. And I hope you know that.

• 1:00:33Speaker 04

  They love us at least.

• 1:00:34Speaker 03

  They're being raised, right?

• 1:00:35Caleb Hammer?

  Huh? How? You're living in the basement of your parents.

• 1:00:40Speaker 03

  And they're happy.

• 1:00:41Caleb Hammer?

  You don't know that. You can't speak for them. They don't have their own space, not have a place to bring their friends over.

• 1:00:48Speaker 04

  They bring them over.

• 1:00:50Caleb Hammer?

  And they're not embarrassed? They will be. And they're pretty young right now.

• 1:00:54Speaker 04

  Yeah, so.

• 1:00:55Caleb Hammer?

  And a 12-year-old doesn't live there, so it's 385.

• 1:00:58Speaker 04

  Yeah, we got time to make it happen.

• 1:01:00Caleb Hammer?

  Okay, well, yeah, again, not putting prioritizing cologne over that anyway, regardless if you're satisfied there. And you're never gonna get another place at this point.

• 1:01:11Speaker 04

  I feel like she's out of my league anyway, so I just want to, for one, give her a lot of gifts, smell good.

• 1:01:16Caleb Hammer?

  Out of your league?

• 1:01:17Speaker 04

  Dude, she's a 10. Look at her.

• 1:01:21Speaker 04

  I'm not sharing, but she is some fine shit.

• 1:01:25Caleb Hammer?

  What the are you on about?

• 1:01:26Speaker 04

  What do you mean? She's gorgeous.

• 1:01:29Caleb Hammer?

  You guys are looks matched.

• 1:01:31Speaker 03

  That's what I say all the time.

• 1:01:32Speaker 04

  Wait, what?

• 1:01:33Speaker 03

  Yeah.

• 1:01:33Caleb Hammer?

  Your looks matched?

• 1:01:35Speaker 03

  Yeah. We're on the same level.

• 1:01:39Speaker 04

  No, no, no, no, no.

• 1:01:40Caleb Hammer?

  Okay, I don't know what you think about yourself, but what the? Okay, what is this?

• 1:01:46Speaker 04

  That is, let's, what is that? Can I see it?

• 1:01:52Speaker 04

  Oh, yes, that is. So I found a new app that's kind of like after pay and Klarna. It's called 4.

• 1:01:59Caleb Hammer?

  And what are you utilizing it for?

• 1:02:00Speaker 04

  I bought a JBL Bluetooth speaker.

• 1:02:04Caleb Hammer?

  Why?

• 1:02:05Speaker 03

  That's how much it cost.

• 1:02:07Speaker 04

  I didn't tell you.

• 1:02:08Speaker 03

  No.

• 1:02:10Caleb Hammer?

  We discussed finances, do you not?

• 1:02:13Speaker 04

  We use it a lot.

• 1:02:14Speaker 03

  Yeah, okay, we use it a lot, but like, we, I'll talk to him about stuff I purchased. I'll be like, hey, giving you a heads up. Um, but then he will just buy it and not tell me until after it's here. And he'll be like, oh, it wasn't much. Um, I can afford it.

• 1:02:33Caleb Hammer?

  Well, why do you need mommy?

• 1:02:35Speaker 03

  You already do it before you talk to me.

• 1:02:38Speaker 04

  That's why I just bought it.

• 1:02:39Speaker 03

  I can't open this.

• 1:02:41Speaker 04

  I got you.

• 1:02:42Caleb Hammer?

  Okay, well, you don't make much money. You spend a third of your paycheck.

• 1:02:47Speaker 04

  That's why I do it on payment plans.

• 1:02:49Caleb Hammer?

  It just, that doesn't mean you can afford it. Like, I'm confused.

• 1:02:52Speaker 04

  It's a nice speaker.

• 1:02:53Caleb Hammer?

  Okay, I have a spending limit on that. Like, this is literally just a blackout statement. I don't know. What the fuck am I looking?

• 1:02:57Speaker 04

  That is my spending limit right now on the 4 app. I got a lot to work with.

• 1:03:01Caleb Hammer?

  Okay, yeah, you'll 5122, and that's your next payment, and then it's paid off. But, um, okay. Uh, 75 cents in this Klarna.

• 1:03:13Caleb Hammer?

  It's nothing.

• 1:03:14Speaker 04

  Oh, I see.

• 1:03:17Caleb Hammer?

  Okay, what am I looking at here?

• 1:03:23Speaker 03

  It's all him.

• 1:03:24Speaker 04

  That might be my bank account. I'm not checking it out?

• 1:03:26Caleb Hammer?

  No, there's remaining payment.

• 1:03:28Speaker 01

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• 1:03:57Caleb Hammer?

  Listen.

• 1:03:58Speaker 04

  Let me see, if you don't mind. Thank you. This must, this is topped up. I don't know.

• 1:04:04Caleb Hammer?

  That purchasing power like Dave is saying.

• 1:04:08Speaker 04

  Um. There's something that you don't know about.

• 1:04:13Caleb Hammer?

  How many, how many things she doesn't know about? Okay, he hides everything from you. No shit, you guys have trust issues?

• 1:04:18Speaker 04

  So all those are from one of my other jobs I had. Um, you could payroll deduct stuff, and it comes out of your paycheck over time. Um, you know that trip we went down to Tennessee to see my daughter? Um, and I got the one-night stay at the National Resort?

• 1:04:35Speaker 03

  Yes.

• 1:04:36Speaker 04

  Uh, it was $900 for the night. Um, you know the window air conditioner that I put in your room?

• 1:04:41Speaker 03

  That's the one that you said, but you just had in your storage?

• 1:04:46Speaker 04

  Yeah.

• 1:04:47Speaker 03

  Was what?

• 1:04:48Speaker 04

  It was new, but it was, I said, I told you it was used, but it wasn't used. I bought a brand new because.

• 1:04:53Caleb Hammer?

  Why do you, why do you have to lie about things? Like, that, that doesn't even matter. Why not just tell her? Like, what the, what are we talking about? Why do you have to just lie?

• 1:05:01Speaker 03

  That's what I'm saying. He buys it, and then he tells me about it.

• 1:05:05Caleb Hammer?

  Which even still, like, okay.

• 1:05:07Speaker 03

  Tell me how much it is.

• 1:05:08Caleb Hammer?

  Like, that's bad? But you make it worse by literally just lying about what you purchased afterward and how much it was. Why do you do that?

• 1:05:16Speaker 04

  We needed the, she needed it.

• 1:05:17Caleb Hammer?

  No one's arguing against that. Why do you lie?

• 1:05:20Speaker 04

  I don't.

• 1:05:21Caleb Hammer?

  You don't? Yes, you did. You just did. You admitted it. Why'd you lie?

• 1:05:25Speaker 04

  I guess she's gonna judge me for it or think I'm broke because I.

• 1:05:28Caleb Hammer?

  I think you're broke. You guys are together. Wouldn't you? You guys are broke together.

• 1:05:32Speaker 04

  This is towards the beginning of about eight months ago, but you know that laptop that I said I won at a raffle at work?

• 1:05:41Speaker 04

  That was on that too.

• 1:05:44Speaker 04

  And you asked me what was funny about it. You asked me, he's like, is this another payroll deducting? No.

• 1:05:49Caleb Hammer?

  What is going through your head right now? This man literally lies about everything. This is actually kind of blowing my mind.

• 1:05:53Speaker 03

  Like, what else are you lying about? Like, why?

• 1:05:57Caleb Hammer?

  Honestly, good question. Would he even admit it? I don't know.

• 1:06:00Speaker 03

  Probably not.

• 1:06:01Speaker 04

  That's all. I mean, I just.

• 1:06:02Caleb Hammer?

  How do you feel? What's going through your head?

• 1:06:05Speaker 03

  Just like confused, I guess, because I, I'm the one that's like, if you tell me upfront, I'll, I might be mad at it, but if you lie to me about it, I'm mad about the first thing, and now I'm mad about the lying.

• 1:06:20Speaker 03

  So now I'm mad at two things instead of just the one.

• 1:06:23Caleb Hammer?

  She'll eventually get over it. How can she ever trust you again?

• 1:06:27Speaker 04

  It's just monetary things.

• 1:06:29Caleb Hammer?

  She already doesn't. She already told me she goes through your phone, and you go through hers.

• 1:06:32Speaker 04

  It's not like I'm cheating on her.

• 1:06:33Caleb Hammer?

  Maybe, I don't know.

• 1:06:37Caleb Hammer?

  You're very good at hiding things, clearly.

• 1:06:39Speaker 04

  We got nice stuff. What can I say? In a basement at a parents' house.

• 1:06:42Caleb Hammer?

  Yes, exactly. That's my point. ERP plus.

• 1:06:46Speaker 04

  So that's another one that's kind of like Dave?

• 1:06:49Caleb Hammer?

  So are you doing every paying for, every pay advance, every thing that any can do that has access to shit online?

• 1:06:59Speaker 04

  Well, these businesses don't need to be open and do that to enable people, so.

• 1:07:03Caleb Hammer?

  You're trying to open your own business.

• 1:07:05Speaker 04

  Oh, food and that shit is different.

• 1:07:07Caleb Hammer?

  What's your monthly payment on this? Or is it just paying it down so you can use it? Is that how it works?

• 1:07:11Speaker 04

  How I got it was, um, I linked it to my, one of my old bank accounts, and you make the first payment for it. It was a motorized scooter because I'm like, hey, I don't have a car. Let's get a motorized scooter.

• 1:07:21Caleb Hammer?

  Does he use it everywhere?

• 1:07:22Speaker 03

  No, he sold it.

• 1:07:24Caleb Hammer?

  Fuck you!

• 1:07:24Speaker 04

  I made one payment and I sold it for 300 bucks.

• 1:07:26Caleb Hammer?

  And then you still owe on this for $832.27?

• 1:07:29Speaker 04

  They haven't knocked on my door yet.

• 1:07:31Caleb Hammer?

  Uh, you've missed a scheduled payment. So they will. Oh, so it's suspended. Oh, so it's probably in collections. Hey, man, what a joke. What a pathetic waste of space.

• 1:07:41Speaker 04

  It's not that bad.

• 1:07:43Caleb Hammer?

  Okay, great. Yeah, you want to be with that? Good luck.

• 1:07:46Speaker 04

  She does.

• 1:07:47Caleb Hammer?

  Yeah, I feel like she's the one that wants to be here to change, and you're just a pathetic waste of space that she is bringing along with her for no reason.

• 1:07:53Speaker 04

  I'm not that.

• 1:07:53Caleb Hammer?

  More collections, first premiere. Why is it in collections, piece of shit?

• 1:07:56Speaker 04

  Uh, it's a credit card I had, have.

• 1:07:59Caleb Hammer?

  Yes, why is it in collections was actually the question, if you remember.

• 1:08:02Speaker 04

  Um, I was using it to buy her more gifts. Um, I was using it to pay bills, groceries, um.

• 1:08:10Caleb Hammer?

  22 on a $400 limit. Yeah.

• 1:08:12Speaker 04

  And to pay the, try to pay the Dave-ish kind of thing, app things.

• 1:08:17Speaker 03

  So do you like take loans out to pay for other things? Is that how that works?

• 1:08:23Speaker 04

  Sometimes.

• 1:08:25Caleb Hammer?

  Okay. Which, I mean, again, I am not an anti-debt person. You can be smart with that. Debt can even be a tool to pay off debt. We have personal loans on Calebhammer.com at very good rates. We have car insurance on Calebhammer.com. We have lots of financial services now there. But either way, the thing is, I'm not anti that, but it doesn't make sense to do if you, one, can't afford, like, if you're, I, I pay in for sometimes, but I can afford the payment. It makes sense. You don't pay in for if you can't even afford the initial purchase price. And we're not transferring credit cards to pay off debt with debt if you can't pay off debt because then you end up in debt even more.

• 1:08:58Speaker 04

  It's just hard, man.

• 1:08:59Caleb Hammer?

  Oh, it's hard. Hey, it's hard. It's hard. Sounds like you never get a roof over your head that isn't in your parents' house. It's hard. Dude shut down at a hundred twenty dollars. He's a broken individual. Why are you betting your life on him? Hundred twenty-five dollars in synchrony, going to collections.

• 1:09:16Speaker 04

  I treat her good.

• 1:09:17Caleb Hammer?

  Huh?

• 1:09:17Speaker 04

  I treat her good.

• 1:09:18Caleb Hammer?

  It would be well, but, I mean, does he? Is this treating you well? Bringing you into this and not telling you, hey, you shook, you shook your head yes, that he treats you well. We learned about three individual lies so far in the last like 10 minutes. He treats you well, that's treating you well. That's what a partner does to treat them well? Sounds like you're gonna be traded well. Huh?

• 1:09:38Speaker 03

  He'll do things for me.

• 1:09:39Caleb Hammer?

  Yeah, like lie.

• 1:09:41Speaker 03

  Yeah.

• 1:09:41Speaker 04

  It's not that bad.

• 1:09:42Caleb Hammer?

  You ready to be traded well for the rest of your life? That's gonna be fantastic.

• 1:09:46Speaker 04

  I'll stop lying. It's fine.

• 1:09:49Caleb Hammer?

  Why the do you stay with him?

• 1:09:52Speaker 03

  I see his potential.

• 1:09:53Caleb Hammer?

  What? You're not, you're not a fix a man kind of person? What potential? How are you fixing this potential? What potential?

• 1:09:59Speaker 03

  He's a good guy. Like, he's a good father. He's a good father.

• 1:10:02Caleb Hammer?

  Okay, a good guy is a classic guy that we screen record messages when he's crashing out on you. And she found the screenshots when we paused, by the way. We'll go through them in the post-show because there's a lot of finances to go through. Does he? He doesn't even, that's right, he doesn't even know.

• 1:10:16Speaker 04

  You did what?

• 1:10:17Caleb Hammer?

  Oh, my, you guys suck at being partners. That's why maybe we're not engaged eight months in. Huh?

• 1:10:25Speaker 04

  We're meant to be together.

• 1:10:27Caleb Hammer?

  Uh huh. Yeah, says the people there bringing two kids into the relationship each.

• 1:10:33Caleb Hammer?

  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 10% off your entire order, and there's still a shot, one out of every 10, that your tub comes with my face on it. All you need to do is head to gamersubs.gg/caleb or click the link in the description below.

• 1:11:10Caleb 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 30 days of Hammer Elite access for free. Download the Hammer Elite app by using the link in the description or pin comment down below. This is the best membership you'll ever join, and that's a promise. Yeah, I'm sure you've thought that a few times. Hey, in other collections, who would have thought? Capital One, you suck.

• 1:11:39Speaker 04

  That's me.

• 1:11:40Caleb Hammer?

  Yes. Yeah, that's funny. Right, you have kids. Three eighty-four. Huh, even more, jeez. Okay, collections, one thousand three hundred forty-six dollars. Oh, if it's not collections, eight hundred and twenty-two dollars.

• 1:12:01Caleb Hammer?

  Oh, if it's not collections.

• 1:12:05Caleb Hammer?

  Nine hundred sixty-five dollars. Who would have thought? It's collections. Yeah, you're never getting money to get a car, to borrow business, to get a food truck, to get equipment. You're, oh, if it isn't collections. Shocker, blows my mind, seven hundred and eleven dollars. This dude could be paying off debt and improving his credit score in about five seconds, but he's choosing not to. I finally have an account of yours.

• 1:12:33Caleb Hammer?

  May you tell me what I'm looking at?

• 1:12:38Speaker 03

  Some of.

• 1:12:38Caleb Hammer?

  You people.

• 1:12:40Speaker 03

  I can't see. I have to wear contacts and glasses.

• 1:12:46Caleb Hammer?

  Well, now that it's closer, you seem to not know what it is either.

• 1:12:48Speaker 03

  I mean, some, some of these are payments. That's like car payments.

• 1:12:52Speaker 04

  That's your car.

• 1:12:52Caleb Hammer?

  What's the account I'm looking at?

• 1:12:56Speaker 03

  My car account, the loan.

• 1:13:02Speaker 04

  Yeah, it's a loan. It's very dull.

• 1:13:04Speaker 03

  It's an, it's an automatic.

• 1:13:06Caleb Hammer?

  It's at eight point two five percent. What's the car?

• 1:13:08Speaker 03

  It's a Hyundai Elantra 2019.

• 1:13:11Caleb Hammer?

  When'd you get this?

• 1:13:12Speaker 03

  Twenty twenty.

• 1:13:14Caleb Hammer?

  It's a bad interest rate, lady.

• 1:13:16Speaker 03

  Oh, it's right out even worse. It started at like eleven.

• 1:13:18Caleb Hammer?

  Three hundred, great, that's your refinance. Three hundred forty-dollar, two cent payment.

• 1:13:24Caleb Hammer?

  All right, balance currently, started twelve thousand, it's at nine thousand, two hundred, three dollars and eight cents.

• 1:13:32Speaker 04

  Okay.

• 1:13:33Caleb Hammer?

  What do you think it's worth?

• 1:13:35Speaker 04

  Nothing.

• 1:13:35Speaker 03

  I went, I went on Carvana and they said it was worth like twelve thousand.

• 1:13:40Caleb Hammer?

  Yeah, no, it's five. Carvana, you don't get a, Carvana, no, that's the KPB. What are you on about? What? You okay?

• 1:13:48Speaker 04

  We need to sell it. We need a minivan.

• 1:13:50Speaker 03

  Sell it, like, bad. I had a minivan for a while, but.

• 1:13:53Caleb Hammer?

  I mean, you can't sell. Why do you need to sell it?

• 1:13:55Speaker 04

  So we can get a minivan.

• 1:13:57Speaker 03

  So we can carry, like, all our kids around at once.

• 1:13:59Caleb Hammer?

  Oh, my, why'd you get this car?

• 1:14:02Speaker 03

  Because it was before. No, we weren't together. It was before.

• 1:14:05Caleb Hammer?

  You can't get a mini. You can't sell this. There's no selling this.

• 1:14:10Speaker 04

  You want to buy it?

• 1:14:11Caleb Hammer?

  He's annoying. He's an annoying individual. Trying to have a real conversation here.

• 1:14:15Speaker 04

  It's not that bad.

• 1:14:16Caleb Hammer?

  Now, are you just, like, repeating phrases?

• 1:14:20Speaker 04

  No.

• 1:14:21Caleb Hammer?

  You've said it's not that bad about approximately four times when there's, like, just air and you don't know what to say. So you, it's, it's worth about half what you owe.

• 1:14:32Speaker 03

  Okay.

• 1:14:32Caleb Hammer?

  Where's the selling? I mean, I guess you could sell it, borrow four thousand, pay it off and then pay off the four, but then you're gonna borrow for a minivan? Maybe she is. I don't know what, I mean, this is her first debt I'm looking at. You wouldn't be able to, you, you being a co-signer would drag it down. You can't get a minivan.

• 1:14:49Speaker 04

  Her parents would sign for her.

• 1:14:51Caleb Hammer?

  Oh, my gosh. You're thirty and thirty-five. You're thirty and thirty-five. That is pathetic. Grow up. You will never learn anything because mommy and daddy will be there to bail you out at every turn. You never have to improve your life.

• 1:15:03Speaker 04

  They're resources and we're using them, not her parents.

• 1:15:05Caleb Hammer?

  Resources? That's incredible. I hope they see this. There's a little slip right there. Your parents are resources.

• 1:15:11Speaker 04

  I didn't mean it like that.

• 1:15:12Caleb Hammer?

  You said it, and yes, you did. Your brain certainly thinks so. You guys are thirty and thirty-five, even though you look like you're in your fifties. You guys are going to be cooked forever because you will never learn anything.

• 1:15:26Speaker 03

  Don't like my parents. They've done pretty good so far.

• 1:15:28Speaker 04

  I didn't mean to call them resources. It was, resources are available and we're gonna use them when we can.

• 1:15:35Speaker 03

  I can get a loan, probably another one.

• 1:15:37Speaker 04

  It's a good idea.

• 1:15:39Caleb Hammer?

  What price minivan are you gonna get?

• 1:15:41Speaker 03

  I was hoping for, like, I don't know, buy one with cash or something, sell the car, whatever.

• 1:15:48Caleb Hammer?

  Hey, what was my question?

• 1:15:52Caleb Hammer?

  You people are so broken. What price minivan are you gonna get?

• 1:15:56Speaker 03

  Whatever I can afford.

• 1:15:58Caleb Hammer?

  Oh, my goodness. What price are you considering?

• 1:16:02Speaker 03

  Under twelve hundred.

• 1:16:03Caleb Hammer?

  Under twelve hundred?

• 1:16:04Speaker 03

  Maybe.

• 1:16:05Caleb Hammer?

  You're cooked. I don't know what you think the car market is like. I was thinking ten at a minimum, ten thousand. Ayah, ayah, ayah, ayah. Because you want to, you want one that you're not pumping hundreds, if not thousands of dollars into to repair. This isn't Dave Ramsey. We live in reality over here. You ain't getting a car for under ten that's gonna be halfway decent.

• 1:16:30Speaker 04

  I don't know what to do.

• 1:16:33Caleb Hammer?

  Yes, I know. Thank you for your contribution to this conversation.

• 1:16:37Speaker 04

  You're welcome.

• 1:16:38Caleb Hammer?

  Twelve hundred? What are you on about?

• 1:16:40Speaker 03

  I don't know how much cars are worth.

• 1:16:42Caleb Hammer?

  Then why is this even in your plan? How are you planning about something you know nothing about?

• 1:16:46Speaker 04

  How are we gonna take trips to go get my daughter and stuff with all the kids? We have to have a minivan.

• 1:16:50Speaker 03

  Yeah, we have to have it.

• 1:16:51Caleb Hammer?

  I didn't argue against that. Did you hear me? Argue against that? I'm arguing with the pricing thing. You guys are broken. You guys cannot have conversations. No wonder you guys fight all the time. You can't even listen to me. You're both unable to listen to me at the same time. Like, you both heard the same thing that is something different than what I said. It's actually impressive.

• 1:17:09Speaker 04

  You talk very fast, to be fair.

• 1:17:11Caleb Hammer?

  Fast for Kentucky.

• 1:17:13Speaker 04

  I mean, it's not that bad. Michigan.

• 1:17:17Speaker 04

  That's where you're from, right?

• 1:17:18Caleb Hammer?

  Yes.

• 1:17:19Speaker 04

  Okay, that's just as bad.

• 1:17:20Caleb Hammer?

  Very good.

• 1:17:21Speaker 04

  It's just as bad.

• 1:17:23Caleb Hammer?

  As Kentucky.

• 1:17:24Speaker 04

  Yeah.

• 1:17:25Speaker 03

  Kentucky's not that bad.

• 1:17:27Speaker 04

  Yeah.

• 1:17:28Caleb Hammer?

  I have your checking account. You have a hundred two dollars in it.

• 1:17:32Speaker 04

  Yes.

• 1:17:32Caleb Hammer?

  You're pathetic. You're a father.

• 1:17:34Speaker 04

  Because there's for bills.

• 1:17:35Caleb Hammer?

  Shut the up.

• 1:17:36Speaker 04

  What do you mean?

• 1:17:37Caleb Hammer?

  Those bills, by the way, are an Apple subscription of some kind. Even though he works there, another Apple bill, Microsoft Store, and Apple bill.

• 1:17:47Speaker 04

  Apple pays probably.

• 1:17:48Caleb Hammer?

  Dairy Queen, Dairy Queen, a steam purchase of forty two dollars. They're just bells. They're bells, Caleb. They're just bells. He went into the gas station, got some bullshit.

• 1:17:59Speaker 04

  Energy drinks.

• 1:18:00Caleb Hammer?

  Yeah. You get gamer subs. Here's the flavor. I would actually get liquid assets. We don't have any extra to give because they bought them all because it's so delicious. We'll get them eventually. Liquid assets or gamer subs, get, uh, get free samples. Link in the description below. You can only get free samples with my code Caleb. And then you can get a 10% off when you figure out the flavor you like. It's forty cents to serve and make your energy drink at home. That's what you gotta do. You're not stopping and getting those eight dollar drinks. That's crazy. You're insane, dude.

• 1:18:27Speaker 04

  I'm addicted.

• 1:18:28Caleb Hammer?

  Prem seat, American Airlines, American Airlines. And you got some energy drinks again. You double fist, don't you? You walk out with two.

• 1:18:35Speaker 04

  Two energy drinks?

• 1:18:36Caleb Hammer?

  Yeah.

• 1:18:36Speaker 04

  Yeah, they're.

• 1:18:37Speaker 03

  It's like two for three or something.

• 1:18:38Speaker 04

  Two for like six fifty. Why would you not?

• 1:18:41Caleb Hammer?

  Well, because that's forty cents a serving.

• 1:18:42Speaker 04

  I mean, I, I agree with you there, but, but.

• 1:18:45Caleb Hammer?

  I mean, that was math.

• 1:18:46Speaker 04

  It even tastes good, so.

• 1:18:47Caleb Hammer?

  It does. That's why they all get it.

• 1:18:49Speaker 04

  Their opinion.

• 1:18:50Caleb Hammer?

  Yes, their opinion.

• 1:18:52Speaker 04

  Like a.

• 1:18:52Caleb Hammer?

  That it tastes good.

• 1:18:53Speaker 04

  Okay.

• 1:18:54Caleb Hammer?

  Okay, but then I have another checking account here. Machine Gun Kelly, come on. So worst concert I've ever been to in my life.

• 1:19:01Speaker 04

  My daughter.

• 1:19:02Speaker 03

  That was for his daughter.

• 1:19:03Speaker 04

  Birthday.

• 1:19:03Caleb Hammer?

  Is your daughter cutting herself?

• 1:19:05Speaker 04

  She's an alt girl.

• 1:19:07Caleb Hammer?

  Yeah, that shit's emo and horrible.

• 1:19:09Speaker 04

  What's wrong with me an emo? I'm a.

• 1:19:11Caleb Hammer?

  Cutting.

• 1:19:12Speaker 04

  I'm an elder emo.

• 1:19:13Speaker 03

  Not every emo, not every emo cuts themselves.

• 1:19:16Caleb Hammer?

  Uh, Cat's Eye official. I don't know. Kroger, Apple bill, Apple bill, Apple bill. And there it is, more energy drinks, Apple bill, Apple bill. What are these Apple bills you're getting? Lots of Apple. Give me, show me your subscriptions on your phone.

• 1:19:29Speaker 04

  Hammer Lee.

• 1:19:29Caleb Hammer?

  Crazy.

• 1:19:30Speaker 04

  There's one of them.

• 1:19:30Caleb Hammer?

  Well, that one's worth it.

• 1:19:31Speaker 04

  Chill out. Um, Chad GPT.

• 1:19:34Caleb Hammer?

  Okay, I'm gonna pull it up and I'll get it. And you pull up the screenshots too, that.

• 1:19:38Speaker 04

  What screenshots?

• 1:19:39Caleb Hammer?

  It's the, it's the one that you said he didn't know, that you didn't know.

• 1:19:44Speaker 04

  What the do you mean?

• 1:19:45Caleb Hammer?

  Well, it's okay, we'll get into it. I want to see your thing.

• 1:19:47Speaker 04

  What am I doing?

• 1:19:48Caleb Hammer?

  Cause your dynamic is, you guys opened this so weird. I need to actually like, as we're closing the episode, I need to start seeing some things.

• 1:19:55Speaker 04

  Gotcha.

• 1:19:58Caleb Hammer?

  This is the start? I thought you were gonna show me what you, you sent your friend.

• 1:20:02Speaker 03

  This, yeah, this is like her replies back to me. I sent her.

• 1:20:06Caleb Hammer?

  I just need the screenshots.

• 1:20:08Speaker 03

  Yeah, these are, I sent her the whole thing. She sent screenshots back of what she thought was.

• 1:20:14Caleb Hammer?

  Bad.

• 1:20:15Speaker 03

  Alarming.

• 1:20:15Caleb Hammer?

  Okay, then show me.

• 1:20:16Speaker 03

  Yes, right here.

• 1:20:17Caleb Hammer?

  Yeah, alarming of.

• 1:20:19Speaker 04

  Alarming.

• 1:20:19Caleb Hammer?

  GPT. Yeah, but Hammer Lee's expiring.

• 1:20:23Speaker 04

  Uh, I gotta be on a budget. Pay for it for life then, for me.

• 1:20:27Caleb Hammer?

  I think you do because you're a guest on the show. Okay, yeah, you have a lot of subscriptions. Uh, but this, and clearly at the beginning of the conversation, you guys' dynamic is weird. She recorded your guys' text conversations to send to her friend. Again, as usual, without each other knowing, because you guys are crazy. But I'm gonna look at it now and see how you guys actually communicate.

• 1:20:48Speaker 04

  Will you read them to me? Cause I don't know what the shit is.

• 1:20:51Caleb Hammer?

  Yes, I will. You were saying, I'm scared I'm gonna have a heart attack. You're saying, I guess you were fighting. And she says, ten times better way to say that. You say, so excuse the enemy for being worried. She says, not letting me finish bitching makes me more stressed. Now I know. You say, I, okay. He says, okay, why shake your head? She says, you want me to talk? What am I supposed to say to that?

• 1:21:19Speaker 04

  And you send this to who?

• 1:21:21Caleb Hammer?

  This is to your friend.

• 1:21:23Speaker 04

  That's up. That is like our personal shit.

• 1:21:25Speaker 03

  I needed like another opinion on it.

• 1:21:27Speaker 04

  So violated by you doing that.

• 1:21:29Speaker 03

  Another opinion on it because I don't know.

• 1:21:30Speaker 04

  That's between us, though. I don't.

• 1:21:36Speaker 04

  Can I get a minute? I, I really cannot take this.

• 1:21:39Caleb Hammer?

  Okay.

• 1:21:40Speaker 04

  Right now.

• 1:21:40Caleb Hammer?

  Yeah, take a minute.

• 1:21:41Speaker 04

  This is bullshit. She should not be.

• 1:21:43Caleb Hammer?

  Okay, you want to step outside, okay? Can we let him outside?

• 1:21:45Speaker 04

  Yeah.

• 1:21:48Caleb Hammer?

  I mean, I agree, that is privacy. If dude, if my girl was sending like screenshots, that is pretty crazy. Like what is wrong? And first of all, I mean, can we acknowledge? Like what the, there was nothing bad in there. Like what are you, what are you freaking out about?

• 1:21:59Speaker 03

  I think it's worse.

• 1:22:01Caleb Hammer?

  Where does it get worse? Show me. Cause there's literally nothing. I swear she's teasing me for like an hour. Do you just edge men? Is that your passion? Cause, uh, there was nothing there, I'll be honest. I understand, yeah, his privacy feels violated and you guys have weird trust issues. But show me what is bad. Cause so far you're just being a normal woman these days where the most normal thing is considered a nuclear attack. Where's the bad thing? Bitch.

• 1:22:32Speaker 03

  Here's this part.

• 1:22:35Caleb Hammer?

  So something I could, is this a screenshot?

• 1:22:36Speaker 03

  Yeah.

• 1:22:38Caleb Hammer?

  Okay. He says, could throw a hole in every wall.

• 1:22:45Caleb Hammer?

  He texted, I don't, is he punching walls?

• 1:22:48Speaker 03

  No.

• 1:22:49Caleb Hammer?

  The what?

• 1:22:54Caleb Hammer?

  Why do you think you're a victim? What the is wrong with you sending this to your friends? You say awesome. And he says, because no matter what I do, I set you off. And I think that's true. He's right. No matter what the he does, you're crashing the. I breathe, I make you mad, he says, yes. And then you agree with it. You say, because I, because he doesn't listen. He says, always my fault. You say, I will. I'm glad you covered your own text.

• 1:23:21Speaker 03

  That was her.

• 1:23:22Caleb Hammer?

  I will something, something you how to handle me and you just ignore it. He says, how do I handle you? Let you vent? I was letting you vent and I had to pee. You got mad. I said, please calm down before you get sick. You got mad. I'm about to lose my mind. I'm literally so close to a psychotic break.

• 1:23:42Caleb Hammer?

  And you circled that.

• 1:23:44Speaker 03

  Cheated.

• 1:23:45Caleb Hammer?

  Yeah, cause you are pushing him to a psychotic break. How is he?

• 1:23:49Speaker 03

  He's getting over dramatic.

• 1:23:50Caleb Hammer?

  Huh? No, you see, it's impossible to communicate with you.

• 1:23:54Speaker 03

  Like this all started because I was in the bathroom, sick as a dog, throwing up. And he was getting mad that I was even up there. And he kept yelling at, well, like through.

• 1:24:04Caleb Hammer?

  I'm not seeing anything in the text that is like you. He's like, it sounds like he went up to pee. You got upset in this conversation. And he's very upset that literally he can't exist around the house without you freaking out.

• 1:24:20Caleb Hammer?

  And that's fair. If, if someone, man or woman, doesn't matter, just has to tiptoe around their entire house and it's not a safe place to be.

• 1:24:27Speaker 03

  So do I. He, he was literally.

• 1:24:29Caleb Hammer?

  You're not saying that.

• 1:24:31Speaker 03

  He was accusing me of cheating while I was sick. He was so upset that I couldn't be down there with him because he needed me.

• 1:24:38Caleb Hammer?

  Well, that's crazy, but that's not in here. Do you have something real to show me? Cause so far you are looking like kind of someone who just goes crazy by screenshotting their dude being upset. He was upset. He didn't punch holes in the wall. He said, I feel like I could. That was it. That was it. It wasn't even a threat.

• 1:25:02Caleb Hammer?

  You're just spending money on bullshit. Tim Hortons, Sheen, Tim Hortons, Amazon bullshit. You have like a couple hundred bucks in your checking account. You go to Tim Hortons, take a check, Applebee's, Tim Hortons. You spend more money than him on bullshit? Tim Hortons restaurant. You're going out to eat.

• 1:25:17Caleb Hammer?

  All the time. Uh, bullshit. Buffalo, Wild Wings, bullshit, bullshit, bullshit. Tim Hortons, Apple bill, bullshit. Tim Hortons, well, you're the one spending it, not him. Amazon, Tim Hortons, Sheen, I thought you're the one, at the authority to spend the money. Amazon bullshit, Donald's bullshit. Dude, you, he had to take a can breather because his screenshots are getting sent to your friends. And little does he know, nothing's even in them. Take a check, Tim Hortons, Alta, bullshit. Yeah, uh, Trace Hermanos. More from her. And this is your savings. It went down. Your savings went down. So we can't say we're saving up for the wedding and went down.

• 1:25:56Speaker 03

  Here's part of the sick messages.

• 1:25:58Caleb Hammer?

  Huh?

• 1:25:59Speaker 03

  Sick.

• 1:25:59Caleb Hammer?

  You finally found some?

• 1:26:00Speaker 03

  Yes.

• 1:26:01Caleb Hammer?

  Show me.

• 1:26:02Speaker 03

  It's the, the video thing again.

• 1:26:05Caleb Hammer?

  Okay, I'll start here. Um, you said, I don't feel good. I'm so sick. He said, sorry. After being there for you all day, can't do this for me. I need you. Well, yeah, it's a bit weird. I mean, you were saying you're sick. You said, babe, please don't do this to me. He said, whatever. Just so you know, I am not happy with how we are right now. Fair enough, because you guys are talking. I don't need this from you. Hmm, I feel like I should rewind and see what you were saying.

• 1:26:33Speaker 03

  Go for it.

• 1:26:34Caleb Hammer?

  You said, told you I would sleep with you tonight unless you don't want me to. I'll go down when the bub goes up. When bub goes up, the kid, okay. And he said, yeah, you can sleep with me. You said, oh. He said, I need to finish trying this up. He said, okay. Or you said, okay. He said, he needs to make the bed. You said, okay. You want me to? He said, all right. Yeah. He said, are you sure? He said, yeah. Uh, what do I do with the clothes in the bed? You said crap, definitely threw up. What do you want me to do? He said, I hope you're okay. You said, I feel like he'll, I can't stop shaking. He said, do we need to go back to the ER? He's being very positive. He said, you say, I don't think so. He says, okay, baby. He says, I don't know. I don't know how long I'll be up here. He says, what you doing? Question mark, question mark, hello?

• 1:27:19Caleb Hammer?

  You said, babe, I'm throwing my guts up. I can't really text her now. He said, okay. Said, babe, you said, babe, I don't really know if I can go back down there. I can't stop. He says, please, geez. Okay, yeah, it's a bit buggy. You said, please, baby, I feel like I'm dying. He said, we'll come up there then. You said, nothing but stomach acid is coming up. You can't leave kid name. He says, I'm bringing him too. I cannot refuse. I cannot refuse to go two nights without you. That's a bit weird. Yeah, definitely weird. And you said, don't disturb him. And he says, his mind thinks of horrible things. Yeah, you guys have issues, man. He said, I'm so sick. What could I possibly be doing? He says, I don't know anything. He said, I'm just throwing up my whole stomach. He says, if you don't want me to sleep with me, just tell me. Okay, yeah, okay. He's acting weird here for sure. He's not.

• 1:28:05Caleb Hammer?

  Hurting you, but he's being a freak for sure. You said, are you serious? I'm throwing up. And he says, why can't you get a bucket and sleep down here? It's now, okay. Yeah, again, and it's weird. It is very weird. You say, because it's off. Okay, I get it. I get it. Yeah. Now he's acting like a little freak there for sure.

• 1:28:22Caleb Hammer?

  But you sent that to your friends? Like again, I thought maybe you made it sound like he was, you literally made it sound like he was blowing up at you and screaming at you in the text, where that he's just acting like a definitely a freak for sure. And selfish, selfish. But he's not blowing up and yelling at you. It's I, I, I don't know what to do. And 401k 14,000, very behind for our age. Where is he? Where is he? Can we get him? Hit him for the budget if he's ready to come back. There he is. Okay. You feeling okay? I mean, for what it's worth, the text didn't really show you doing anything. You were definitely selfish with her. She was like throwing up one day and you were acting a bit weird, but she, she made it sound like when you wore your headphones on this, you were like screaming at her and like,

• 1:29:07Caleb Hammer?

  no, it's not like that. So she's like trying to victimize herself in a weird way. I don't really understand. So, I mean, you're fine. But just you, you definitely acted very weird when she was throwing up. What was up with that?

• 1:29:20Speaker 04

  I felt like she was hiding something.

• 1:29:21Caleb Hammer?

  That's weird and toxic of you. Well, get your shit together.

• 1:29:26Speaker 04

  I need therapy.

• 1:29:27Caleb Hammer?

  You can't, yes, objectively, both of you do. You can't be together if you can't trust someone. If you can't trust that person. Do you have rent, dear parents? What a joke, what a pathetic joke. You guys aren't paying off your, you. Utilities? Internet? No. How, how does the food situation work at the household groceries?

• 1:29:44Speaker 03

  We get groceries.

• 1:29:45Caleb Hammer?

  We get groceries for everyone?

• 1:29:47Speaker 03

  No, they get groceries.

• 1:29:48Caleb Hammer?

  Just for you guys and halftime three kids. Okay, you should be able to do 900 bucks a month. Your meal prepping?

• 1:29:55Speaker 04

  Nah.

• 1:29:56Caleb Hammer?

  Yes. It, I don't care. Your meal prepping?

• 1:29:59Speaker 04

  Okay.

• 1:30:00Caleb Hammer?

  Few times a week, you're warming shit up.

• 1:30:01Speaker 04

  I can do that.

• 1:30:02Caleb Hammer?

  You're using the cookbook and the meal plan. It's not that difficult. Phone bill, how much?

• 1:30:06Speaker 04

  Who's mine?

• 1:30:07Speaker 03

  His. My, I'm sorry. My phone is through my dad.

• 1:30:13Speaker 04

  So it's paid for. And mine is $47 a month.

• 1:30:16Caleb Hammer?

  Yeah, I would switch to healing when you need to, need to get your own line, 15 bucks a line. Very good. Yeah, good service. Gas, vroom, vroom, drive, drive, how much?

• 1:30:25Speaker 03

  80, $100 a month.

• 1:30:26Caleb Hammer?

  80, $100 a month?

• 1:30:28Speaker 03

  82.

• 1:30:29Caleb Hammer?

  Okay, 100.

• 1:30:30Speaker 04

  Uh, I fill the Jeep up 20 bucks. It lasts for like a month, month and a half.

• 1:30:34Caleb Hammer?

  120. Car insurance, how much?

• 1:30:37Speaker 03

  Mine is 136.

• 1:30:42Caleb Hammer?

  TP fund, how much? Uh, okay, that's for you and the kids. Anything else to survive through?

• 1:30:48Speaker 00

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• 1:31:13Caleb Hammer?

  $100. It's tampons, it's taking them to school activities, all that good stuff. Goes up and down, but 300. And then what is covered in that 300 is different every month. So yeah, okay. Medical healthcare, how much? Co-pays, medications, all that good stuff.

• 1:31:25Speaker 04

  I have Medicaid.

• 1:31:26Speaker 03

  Um, my co-pays range from 25 to 50.

• 1:31:31Caleb Hammer?

  What's your child support? Is it taken out from your pay?

• 1:31:33Speaker 04

  Uh, no, I pay, I can't shop her. Um, so it's 137 for, um, my daughter. And then it's roughly 200 a month for my son.

• 1:31:43Caleb Hammer?

  Yeah, okay. And what did you say your medical was total? Co-pays and everything?

• 1:31:48Speaker 03

  Uh, we'll say 50.

• 1:31:49Caleb Hammer?

  And Jim?

• 1:31:51Speaker 04

  We want to.

• 1:31:52Speaker 03

  But no.

• 1:31:52Caleb Hammer?

  Oh, okay, Jim, 50 bucks. Uh, subscriptions, I'll put 50 bucks. You got any pets?

• 1:31:58Speaker 03

  Well, a cat.

• 1:31:59Speaker 04

  Casper, yeah.

• 1:32:00Caleb Hammer?

  Okay, 50 bucks pet insurance. How much for cat food and litter?

• 1:32:04Speaker 03

  60 bucks a month.

• 1:32:05Caleb Hammer?

  Anything else that needs to be in this budget?

• 1:32:07Speaker 04

  I don't know. What do you got so far? I'm sorry.

• 1:32:09Speaker 03

  The TP fund would be like for school supplies and things for the kids. Okay.

• 1:32:13Caleb Hammer?

  Again, it changes what it goes to on a monthly basis, but yes. It's the catch all for everything else. You make it more detailed than your dollar wise budget.

• 1:32:21Speaker 04

  Right.

• 1:32:25Caleb Hammer?

  You guys have leftover money, $2,491.24.

• 1:32:31Speaker 04

  Where does it go?

• 1:32:31Caleb Hammer?

  Yeah, to bullshit, because she spends every dime on Tim Hortons and everything. And you missed that, but she spends all her money.

• 1:32:39Speaker 03

  He makes my coffee now, so that's stopped.

• 1:32:41Caleb Hammer?

  Wow, a basic minimum, $1,200 needed to survive. Uh, what was it? You don't even have to, like collections, we can negotiate later. Okay, the big, bad, scary debts right now. I mean, yeah, so let's save up 4,000 hours, get rid of this, but then you have to get 10,000. Uh, you get a 10,000 hour Jeep. That's okay, let's pretend. Yeah, so let's make it, let's make the car balance actually. 14,000 hours is you're gonna borrow for, sell the car and pay that off and then get a 10,000 hour loan for a minivan.

• 1:33:16Speaker 04

  Okay.

• 1:33:17Caleb Hammer?

  Plus, 15, 122. Thing else is some collections, dude. And you're paying all that off in 11 months. And then the collections, you're just negotiating or paying off one to one.

• 1:33:29Speaker 04

  Right.

• 1:33:29Caleb Hammer?

  I got them. Um, so that's actually pretty easy. It's like a year and then maybe another year to negotiate collections, then get a fully funded emergency fund, then move out. You can have your own place. That's really nice because your credit's a lot better. You guys can totally do that. You have a paid off minivan. Everything's totally fine. Then maybe we get your own car as well. Then you're doing 50, 30, or 50, 25, 25. You need to catch up on retirement, 50% I need, which you can do. And this business thing I'm very concerned about, we'll talk more about that in the post show because I need to taste what you can do first.

• 1:33:57Speaker 04

  I got you.

• 1:33:58Caleb Hammer?

  And, uh, yeah, you guys will be on check for retirement, but we need to think, we need to think career at that point, so. But pay off all the debts and the car and the minivan and everything that you're gonna get. And that'll take 11 months and you'll be fine. Then fully funded emergency fund and move the fuck out. And start catching up on retirement. It's really not that difficult. You just need to figure out what you want to do for your career. Okay, let's get the hammer financial score, but I guess in the post show, we're definitely gonna taste this thing. We gotta go over the screenshot shit with him and get his takes on it because she was like trying to manipulate and do some weird stuff here. Um, and, uh, yeah, just some other crazy shit that just massive fights they've been in recently. We gotta break it down and I don't know how you guys are gonna survive.

• 1:34:41Caleb Hammer?

  Okay, hammer financial score, spending in a budget, you overspent 0 out of 10. Debt is questions, 0 out of 10. Emergency fund, you have savings, gonna go towards that. It's about a 5 out of 10 because there's a little more there. Retirement's very behind, 2 out of 10. Real estate, 0 out of 10. Hammer financial score, that is gonna be a 1.5 out of 10. Get your updated hammer financial score for free at Calebhammer.com. Now join us for the post show. It's gonna be really good, lots of crazy things to break down. And we gotta let him know what happened. And we're also gonna taste the food and see if it's even worth him opening this food truck. Join Hammer Elite, three premium shows every single day, Monday through Saturday. It's incredible. You can also download the Hammer Elite app, hammerelite.com. Click the join link in the description below to join on YouTube. See you guys there.

• 1:35:20Caleb Hammer?

  She was trying to say to us that you were yelling at her and berating her and doing all this crazy stuff in text.

• 1:35:27Speaker 04

  I thought you were gonna be like, oh, he wails on me. Or he was like, I'm gonna throw you through the wall. Seriously.

• 1:35:32Speaker 03

  I mean, it's not gotten to that point, but it's gotten to the point where I was scared.

• 1:35:36Caleb Hammer?

  You were scared from that?

• 1:35:38Speaker 03

  Not this one and another one.

• 1:35:42Caleb Hammer?

  Tell us what happened. I just launched the brand new Hammer Elite app available on every major platform. So you can watch every show anywhere you want. You'll get three exclusive dedicated shows every single day, Monday through Saturday. Refer a friend after you sign up and you get an additional 30 days of Hammer Elite access for free. Download the Hammer Elite app by using the link in the description or pinned 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.

• 1:36:26Caleb Hammer?

  Go to Calebhammer.com/apply or click that link in the description below.

• 1:36:29Speaker 01

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