He's A Monster | Financial Audit

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

• 0:01Speaker 00

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• 0:30Caleb Hammer?

  To watch episodes of Financial Audit a week earlier, check us out on YouTube. He blames your guys' debt and you being a new mom and your mental health.

• 0:36Speaker 02

  I was even looking for second and third jobs, like working at retail and he wasn't even looking anywhere.

• 0:41Caleb Hammer?

  Was there any thought in your head of like, no longer being there?

• 0:45Speaker 02

  There was definitely the thought.

• 0:46Caleb Hammer?

  How close were you?

• 0:47Speaker 02

  Percent?

• 0:47Caleb Hammer?

  That's huge.

• 0:48Speaker 02

  Yeah.

• 0:49Caleb Hammer?

  He's not being a man.

• 0:50Speaker 02

  You said it.

• 0:50Caleb Hammer?

  Straight up.

• 0:51Speaker 02

  Yeah.

• 0:53Caleb Hammer?

  Hammer Elite is the best YouTube membership on the platform and I just upgraded it. Three exclusive dedicated shows every single day, Monday through Friday. And for the rest of the month, I am paying for you to sign up. Sign up for Hammer Elite in the description or pinned comment below and submit proof of purchase at hammerelite.com. After that, I'll send you a $10 digital gift card that can be spent basically anywhere and in most countries. This is the best membership you'll ever join. That's a promise.

• 1:20Speaker 02

  Hi, my name is Kylie, I'm 34.

• 1:23Speaker 03

  Hi, my name is Timothy, I'm 33 and we are from Las Vegas.

• 1:26Speaker 02

  And this is Financial Audit.

• 1:29Caleb Hammer?

  All right, age liar. What else are we gonna lie about? Kylie, welcome. Thanks for coming in from Las Vegas, guys. Kylie, you're in front of me right now?

• 1:38Speaker 02

  Yes, I am.

• 1:39Caleb Hammer?

  So I want to know what you're doing for a living?

• 1:41Speaker 02

  Um, I service life insurance policies and annuities.

• 1:45Caleb Hammer?

  Cool. What are you making? Could be money.

• 1:47Speaker 02

  It's like $23 an hour.

• 1:49Caleb Hammer?

  It's okay money. Las Vegas, up and down on the price scale. Certainly making more affordable compared to the states next door, but definitely has gone up in price since the pandemic for sure. What hits your account on a monthly basis from this job?

• 2:04Speaker 02

  Um, we're looking at probably $2,600 net.

• 2:08Caleb Hammer?

  Okay, cool. And you, Mr. Timothy? Hopefully a correct answer, real answer?

• 2:15Speaker 03

  I am an architectural concept and interior designer.

• 2:21Caleb Hammer?

  Okay, it's either zero dollars or a lot of dollars typically, so which one is it in this case?

• 2:27Speaker 03

  It's a monthly, I get about forty four hundred.

• 2:30Caleb Hammer?

  Okay, not bad, not bad at all. Good, good, good, good. That's what hits your account?

• 2:35Speaker 03

  Yeah, seventy thousand a year is my salary for.

• 2:38Caleb Hammer?

  We love it. How we, how we live in Las Vegas, guys? Seven thousand dollars a month in that? Ain't half bad. How we doing? How's life?

• 2:46Speaker 03

  Um, obviously, we're choosing to live comfortably, and that's why we're here is because we've hit a few kind of emergencies, you know, where you needed some emergency fund and.

• 2:57Caleb Hammer?

  Why didn't you have an emergency fund?

• 2:59Speaker 03

  Uh, well, I first got my job right out of college, right, moved right to Las Vegas, met her two months after I moved out there. So my lifestyle out there started off in the, you know, dating, exploring, you know, doing new stuff, buying new stuff, going on vacations, and then, uh, then the wedding.

• 3:19Caleb Hammer?

  I'm confused. That's, that's your emergency fund is poking your dick things?

• 3:24Speaker 03

  My emergency, no, I, no, it was on like dates and, and gifts and vacations.

• 3:30Caleb Hammer?

  You did specifically, I don't know if it was just a slip of your brain of meaning what you're actually talking about. You said emergency fund.

• 3:38Speaker 03

  Yeah, we didn't have an emergency fund because I prioritize.

• 3:42Caleb Hammer?

  You said fun.

• 3:43Speaker 03

  Fun.

• 3:43Caleb Hammer?

  Emergency fun.

• 3:44Speaker 03

  Fund. Emergency funds.

• 3:47Caleb Hammer?

  I'm glad you're correcting it, but I'm a little nervous of how you said it.

• 3:50Speaker 03

  No, emergency funds. No, we didn't have emergency money because we prioritize.

• 3:57Caleb Hammer?

  If your emergency fund is going and sticking in different people, I'm a little nervous for him to live in a city that's known for strippy.

• 4:05Speaker 03

  I didn't. I met her two months into moving. I went on one other date. No, no, we met on Bumble.

• 4:12Caleb Hammer?

  Okay, okay, the online version of.

• 4:16Caleb Hammer?

  That life, okay, good.

• 4:17Speaker 02

  Basically, yeah.

• 4:18Caleb Hammer?

  Yeah, so, okay, good. Emergency popped up, you haven't had enough money? Didn't really tell me what your emergencies were specifically, but.

• 4:28Speaker 02

  We didn't really have emergencies back then.

• 4:30Caleb Hammer?

  No.

• 4:30Speaker 02

  We just spent all of our money.

• 4:32Caleb Hammer?

  I'm asking how life is now, why are you guys talking about that back then? I'm so confused, how'd you get back there? How, how did you get back there? Did I ask about back there? How do I get back there?

• 4:40Speaker 03

  Um, because I was talking about how we're living comf- we were living comfortably.

• 4:45Caleb Hammer?

  Were? Guys, I'm asking how life is, you're making eighty-four thousand dollars a year net as a household. I'm asking how life is and we're like, back then, what's that?

• 4:54Speaker 03

  We're still living comfortably and prioritizing things that we probably shouldn't. Like fun and convenience.

• 5:04Speaker 02

  We like to buy things for our daughter. That's the number.

• 5:07Caleb Hammer?

  A daughter?

• 5:07Speaker 02

  Yes.

• 5:08Caleb Hammer?

  One child?

• 5:09Speaker 02

  One child.

• 5:09Caleb Hammer?

  Age?

• 5:10Speaker 02

  Three.

• 5:11Caleb Hammer?

  Cool, so, you guys are married, right?

• 5:13Speaker 03

  Yes.

• 5:14Caleb Hammer?

  How long?

• 5:15Speaker 02

  It'll be five years.

• 5:16Caleb Hammer?

  Okay.

• 5:19Caleb Hammer?

  Coming down financially, a lot of five years into marriage, I mean, it's one of the longer marriages, I'll be honest, and I'm a little concerned at why the, are the finances bad five years into a marriage?

• 5:30Speaker 02

  Well, basically, I had a baby, obviously, three years ago. Um, we went down to one income and kinda.

• 5:37Caleb Hammer?

  How long were you out?

• 5:39Speaker 02

  Um, eight months. And then we switched and he was a stay-at-home dad for two years.

• 5:44Caleb Hammer?

  Why?

• 5:45Speaker 03

  Because the mental load on her and like the reality of being a stay-at-home mom was a lot and I.

• 5:51Caleb Hammer?

  What is that, wait?

• 5:54Caleb Hammer?

  What was that for you? I, why aren't, I mean, you guys make money now.

• 6:00Speaker 02

  Mm-hmm.

• 6:00Caleb Hammer?

  We could have afforded some kind of daycare or something.

• 6:03Speaker 03

  We did for like a day and a half.

• 6:05Caleb Hammer?

  Why'd you, for a day and a half? So, why, why'd you stay at home for two years?

• 6:09Speaker 03

  Because, I mean, you might understand if you ever have kids someday, but when you put your kid in a daycare and you can watch them on camera all day being ignored, but it's just, they basically put her in a bouncer and then ignored her all day.

• 6:20Caleb Hammer?

  Maybe a different place, my concern is.

• 6:22Speaker 03

  They all.

• 6:22Caleb Hammer?

  Well, my main concern is, again, she's making half the income a year, we can't live off of twenty-six hundred dollars a month, right? That's, I mean, that's thirty-one thousand, two hundred dollars a year. We can't live off of that, so I, I'm okay with stay-at-home parenting. I'm not, in fact, it might be preferable. I'm not criticizing that at all. I am criticizing. Thirty thousand dollars a year being the income we're living off of in another cheap city.

• 6:47Speaker 02

  Yeah, there was, he was supposed to have like his own kind of side business doing the same thing and things just didn't.

• 6:55Caleb Hammer?

  Doing the same thing, watching kids?

• 6:56Speaker 03

  No. Doing like rendering renderings, modeling, design.

• 7:01Caleb Hammer?

  Okay.

• 7:01Speaker 03

  Um, I was making ninety thousand at the time.

• 7:03Caleb Hammer?

  Did you have to work at home?

• 7:05Speaker 03

  Yeah.

• 7:05Caleb Hammer?

  Instead of that?

• 7:06Speaker 03

  Yep. They off, they said no. They offered, they offered it to another employee though. They would let him work a week from home and then a week in the office. So I asked for the same thing and they told me no. So I.

• 7:15Caleb Hammer?

  They just straight up said no?

• 7:16Speaker 03

  Yeah. And I asked, I asked for more money. They said, no. They said, you're basically.

• 7:21Caleb Hammer?

  Can I work at home and get more money, please?

• 7:23Speaker 03

  I said, I said, I said, excuse me guys. I said, you know, we just had a daughter. My wife stopped working. Like I need, you know, a little bit more money or I need the flexibility to work at home for a week and then work in the office.

• 7:35Caleb Hammer?

  You make good money for what it's worth.

• 7:35Speaker 03

  And they straight up told me, they were like, no, you'll just be babysitting when you're home, even though during the pandemic, I worked from home and I proved to them that I can be, you know, just as efficient and.

• 7:45Caleb Hammer?

  Was there a baby?

• 7:47Speaker 03

  No, but.

• 7:48Caleb Hammer?

  That's different. This video is sponsored by Aura and before you skip, you might want to see the crazy stuff that I just found out. Want to see something crazy? I just Googled you. So is your address?

• 8:01Caleb Hammer?

  Wait, what? Is your number?

• 8:04Caleb Hammer?

  Dude, where are you finding all of this out? Yeah, I hack anything. It's all out there due to hackers. It's all public. It is terrifying how easy it is to find someone's private info like home addresses, phone numbers, and even emails just by searching. These data broker sites collect your personal info, package it up and sell it to literally anyone. Marketers, scammers, even identity thieves, all without your consent. And it's all legal, by the way. And sure, technically you can ask them to take it down, but they bury that process under a mountain of legal hoops so that you'll give up.

• 8:37Caleb Hammer?

  Or you can do what I do and use Aura, which is the sponsor of this video. Aura automatically finds where your info is exposed and sends opt out requests for you. There's no paperwork, no nonsense. They tell you if anyone tries to use this information to act. Access your credit or bank accounts. But Aura doesn't stop there. It scans the dark web for your info, alerts you if someone's trying to open up a credit line in your name, and even protects you with up to $5 million in identity theft insurance. Yeah, that's $5 million. And a 24/7 fraud team in the United States to back you up. They even include a world-class VPN, so you can browse and shop privately no matter where you are. Aura protects your identity, your finances, and your peace of mind. And you can go to my link at aura.com/hammer to try 14 days for free.

• 9:22Caleb Hammer?

  That's enough time for Aura to start scrubbing your personal info off these data broker sites automatically. Seriously, go search yourself before someone else does.

• 9:29Speaker 03

  But they didn't even give me the chance to prove myself. That's the thing is they're thinking rather than giving me even like, say like, hey, okay, we'll do this for a temporary period. Because even during the pregnancy, I was working from home and taking care of her because she had a very rough pregnancy.

• 9:44Caleb Hammer?

  But it is different than taking care of a newborn.

• 9:46Speaker 02

  Yes.

• 9:46Speaker 03

  It is, but.

• 9:47Caleb Hammer?

  Like, I can see both perspectives here, right?

• 9:50Speaker 03

  I wouldn't have been the full-time care. She would still have been the full-time caretaker of our daughter. I just would have been there for a little bit of help.

• 9:58Caleb Hammer?

  But can you understand the perspective, though?

• 10:00Speaker 03

  I can, but.

• 10:01Caleb Hammer?

  They can have you, who's not there, not doing work, not collaborating with others, or someone who is.

• 10:08Speaker 03

  They took some, they brought somebody else in who did their job worse, did the job worse to me, and they were asking me.

• 10:13Caleb Hammer?

  Says the former employee.

• 10:14Speaker 03

  No, the guy was texting me after I quit because he needed help. He was like, oh, I'm so worried that I can't compare to you. And then he's like, can you help me? What did you do for this?

• 10:23Caleb Hammer?

  He's the employee. That's not your boss texting you. That's your.

• 10:24Speaker 03

  No, yeah, it's my, I didn't help him at all. But that's the thing is they filled the spot of me with somebody worse.

• 10:30Caleb Hammer?

  Against every company that they leave or get fired from.

• 10:34Speaker 03

  Another employee was doing.

• 10:37Caleb Hammer?

  Everyone thinks they're bigger than the company they left. I like how he starts talking the moment I start. Like, he pauses, I pause, and then I jump into a sentence, and then he jumps in at the same exact time.

• 10:47Speaker 02

  How do you think our conversations go?

• 10:49Caleb Hammer?

  Yeah, it's great. I'm supposed to be the one that interrupts people. Let's get that straight. That's my thing.

• 10:54Speaker 02

  Yeah. I just get used to it. I just sit back.

• 10:57Speaker 03

  The worst thing was they told me two times, we'll figure something out. We'll figure something out. And they made no effort to figure anything out.

• 11:03Caleb Hammer?

  Yeah, it sounds like they were honestly pushing it.

• 11:04Speaker 03

  Finally hit her breaking point. I was like, I'll do this from home. I'll do it freelancing because then I'm open to more companies.

• 11:10Caleb Hammer?

  But they said no.

• 11:11Speaker 03

  Yeah, they said no. So I was like, okay.

• 11:13Caleb Hammer?

  Which they can. Yeah.

• 11:14Speaker 03

  Yeah, absolutely. And I was like, okay, I was like, I'll, you know, go do it freelancing. Yeah, I quit because I was like, I can do this freelancing. I can get more companies. And unfortunately, it just.

• 11:24Caleb Hammer?

  And was this the company that threatened to sue you?

• 11:27Speaker 03

  Yeah, because after I quit, I sent them a long, well, after I had a seizure because of the stress that was added to our life, like a full-blown grand mal seizure, I sent them an email. I was like, hey, guys, like, I just had a full-blown seizure. This is, you know, on your guys' part because you guys have added all this extra stress to my life. You guys don't care about neurodivergent employees. La la la.

• 11:50Caleb Hammer?

  What's your neurodivergent?

• 11:51Speaker 03

  I, I don't know. I gotta, I gotta go in and get tested at some point. I might be ADHD or autistic.

• 11:58Caleb Hammer?

  He doesn't have anything. He doesn't fucking have anything. And he emails the fucking company saying you don't care about neurodivergent. By the way, I don't have anything. You don't care.

• 12:06Speaker 03

  No, I've done the self-assessments. I've been assessed with.

• 12:09Caleb Hammer?

  What? Did you take an online autism quiz?

• 12:12Speaker 03

  Yeah.

• 12:13Caleb Hammer?

  Oh, that's like the Harry Potter house assessment quiz. Those are so nothing.

• 12:20Speaker 03

  All right. Well, I know how my brain works and it's fucked up and I don't think it's normal. So I find it neurodivergent because I'm not neurotypical.

• 12:29Caleb Hammer?

  I feel like you went down the rabbit hole of self-diagnose for, now you had a seizure, that's something, but come on, self-diagnosing.

• 12:37Speaker 03

  Brain.

• 12:38Caleb Hammer?

  Then go get diagnosed, you ten.

• 12:40Speaker 03

  Yeah, I need to. I've been dealing with some other.

• 12:42Caleb Hammer?

  This was multiple years ago.

• 12:44Speaker 03

  No, it was like two years ago. And I've been dealing with other specialists and neurologists and psychiatrists.

• 12:51Caleb Hammer?

  Seizure, but you've never been diagnosed. You can't go to the company and say, hey, this was your fault because you don't care about mental.

• 12:58Speaker 03

  Cease and desist.

• 12:59Caleb Hammer?

  Yeah, and you probably deserved it, huh?

• 13:01Speaker 03

  And I took it, and that's what it is.

• 13:04Caleb Hammer?

  And you ceased and desisted?

• 13:05Speaker 03

  Yeah, I stopped bothering them.

• 13:07Caleb Hammer?

  Good.

• 13:08Speaker 03

  Until I got back onto a good mental page after my psychiatrist, and I apologized. That was the last time I sent him an email was an apology for, you know, lashing out and doing what I did, but...

• 13:16Caleb Hammer?

  You were TikTok diagnosed, let's be honest.

• 13:18Speaker 03

  I don't believe I was.

• 13:19Speaker 02

  That might have started it, for sure.

• 13:22Speaker 03

  That's where I learned about it, but then...

• 13:25Caleb Hammer?

  This is a whole generation and a half of people that get on TikTok and they're like, you're this, you're this, you're this. And they, and they can just endlessly, endlessly pile it upon each other's brains. They convince each other that they're victims, that they're self-diagnosed. Like, this is like crazy what is happening with these generations. And you're doing it. You emailed your company. This is insane. This is insane. I can't believe where we are as a culture. This is fucking crazy. And that's not even politics. That's just fucking crazy. My goodness, self that you took an online autism quiz and you emailed your company saying this was your fault because you don't care about...

• 14:04Speaker 03

  Like me? Like two seconds where I was like, I'm gonna take this test. Okay, I just found this out. No, it was like a long, frickin' winded, like...

• 14:12Caleb Hammer?

  Long, looking at TikToks, and they're like, I'm autistic, I'm autistic, you're autistic too.

• 14:17Speaker 03

  No, it was research into doctors and what doctors...

• 14:20Caleb Hammer?

  Research into doctors.

• 14:22Speaker 03

  Not into doctors, but what doctors' studies have put out about the conditions and the symptoms.

• 14:27Caleb Hammer?

  Which is why you've been officially clinically diagnosed.

• 14:29Speaker 03

  No, I haven't.

• 14:29Caleb Hammer?

  Oh, that's interesting. That's really curious.

• 14:31Speaker 03

  I will go and get clinically diagnosed.

• 14:33Caleb Hammer?

  You've had two years to do it.

• 14:34Speaker 02

  Your neurologist did offer to refer you, and you said no.

• 14:37Caleb Hammer?

  What the fuck are you doing, you fuck? You actual creature. Oh, you deserved that cease and desist.

• 14:45Speaker 03

  Yeah, I did. That's why I took it and...

• 14:48Speaker 02

  Well, you can't really do much with them.

• 14:49Speaker 03

  Right, but, I mean, I didn't fight it or doing it. It was, it was what it was.

• 14:56Caleb Hammer?

  Listen, that's honestly a little bit of bull. Okay, listen, if someone, if someone here personally was like, I need to work from home because he just had a kid, need to help my wife, I would have allowed a temporary with a hopeful end for that work of home. Cause we're very collaborative, right? Cause we're in working in art and you kind of work too in a different way.

• 15:14Speaker 03

  That's a very good employee.

• 15:17Caleb Hammer?

  Okay, shut, quiet. I would allow that for a little bit. I'd allow that because that, you know, that's how I operate with a hopeful end date. But I understand the collaboration in an artistic environment, like you'd making YouTube videos or architecture or things like that. I get that. That being said.

• 15:31Speaker 03

  You said the expectations.

• 15:32Caleb Hammer?

  You on your balls.

• 15:34Speaker 03

  Yeah.

• 15:35Caleb Hammer?

  Like if you don't know, if they don't know, if there's not proper communication, not proper diagnosis, no one can do anything with anything. I, no one can do with anything. They don't know.

• 15:42Speaker 03

  I told them.

• 15:43Caleb Hammer?

  But you didn't know. She just said, you did not know.

• 15:45Speaker 03

  No, I, but I told them that I was stressed. I told them that it wasn't.

• 15:49Caleb Hammer?

  We're all stressed.

• 15:50Speaker 03

  Was going down and they said, that's your fault. You set the expectations.

• 15:55Caleb Hammer?

  Hold on, you know, for what it's worth, for what it's worth, well, how, what's the size of your team?

• 16:00Speaker 03

  It was a company of about.

• 16:02Caleb Hammer?

  What's the size of your team?

• 16:05Speaker 03

  Per project, like 10 people?

• 16:07Caleb Hammer?

  And here's the thing, if we work in a small company, you know, we got 25 people here. If one person is saying, hey, this job is really stressing me out. I can't do it anymore. I can't do it anymore. I can't do it anymore. That's really difficult because that's everyone because on a small team, you everyone. And I would honestly, I know this is more brutalistic, but I would rather get someone in there that is able to perform to support the whole team than not. Now, if we're in an organization of a thousand people, that's where there's more flexibility. Apple is able to have that more flexibility. Google's able to have that more flexibility. Hammer Media is not.

• 16:37Speaker 03

  I was managing just the 3D renderings and there was no reason I couldn't do it from home because it was a very capable position. I wasn't collaborating half the time.

• 16:46Caleb Hammer?

  But it's their choice, not yours.

• 16:47Speaker 03

  Right. Yeah, absolutely. That was it. But they, you know, I was doing it probably five times faster than what they could outsource it for. Because you outsource rendering.

• 16:55Caleb Hammer?

  Former employee.

• 16:56Speaker 03

  Yeah.

• 16:56Caleb Hammer?

  It's always a former employee that says they made the biggest impact and they've done the most and they can do everything the best. This is what everyone does ever. When I left another job, I did that.

• 17:05Speaker 03

  I had three projects in my company where the employees have straight up told me.

• 17:09Caleb Hammer?

  He's still doing it.

• 17:10Speaker 03

  They straight up told me like, hey, you know, we needed somebody like you at this company a long time ago.

• 17:15Caleb Hammer?

  And if he leaves you, he will say, or if you leave him or whatever, break up like I was the best father. The new father is not even close to as good. I was the best father. No matter what I was the best guy he'll ever have. I was a good guy. In fact, I was the real guy. She doesn't deserve me. I was the good guy. That is how he's gonna, this is how he operates in life. I know these people. Come on. You're the good guy. You're R slash good guy.

• 17:37Speaker 03

  I'm just filling you in on what happened.

• 17:39Caleb Hammer?

  From your very skewed perspective.

• 17:43Speaker 03

  I'm just telling you the exact facts of how things went down and why.

• 17:47Caleb Hammer?

  He sounds like Kermit.

• 17:48Speaker 03

  Got out of my.

• 17:50Speaker 02

  You know, now that you say that I hear it.

• 17:56Speaker 02

  Kermit's cute, though.

• 18:01Caleb Hammer?

  All right, guys. What a, okay. Oh my gosh. Okay. So. Before we went down that rabbit hole, I'm assuming you're saying this all started at the you no longer having a job? Is that what I'm hearing?

• 18:16Speaker 03

  When I quit my job, yeah.

• 18:18Speaker 02

  That's when everything snowballed.

• 18:19Caleb Hammer?

  Now, he quit his job. Why didn't he? What was his job finding process for a remote or part time position during that?

• 18:27Speaker 02

  So my perspective is we had the plan to have him freelance. He had one company lined up where he was supposed to do the modeling for these new builds.

• 18:38Caleb Hammer?

  Yeah.

• 18:39Speaker 02

  I don't know what they were, houses or whatever. And so my impression was, okay, we're going to be having like around a hundred thousand by the end of the year. That carries us so I can work for, you know, 50,000. I think it was a little less than that. And then come maybe February, we were in Disneyland and I was like, oh, well, when is, when is this going to start? And he said he hadn't heard from them.

• 19:02Speaker 03

  Jobless in Disneyland?

• 19:04Caleb Hammer?

  No, we were on vacation.

• 19:05Speaker 02

  Yeah, we went on vacation.

• 19:07Caleb Hammer?

  Moron, you didn't have a job. Why are we going to Disneyland when we don't have a job?

• 19:13Caleb Hammer?

  Jobless in Disneyland. Also, why? The kid was like, what, half a year old? Seven months.

• 19:18Speaker 02

  I think it was-

• 19:19Caleb Hammer?

  Very, definitely when they're forming memories.

• 19:23Speaker 02

  Yeah, it was cheap, but I think it's because it rained the whole time, so. We took advantage of the cheaper prices.

• 19:28Caleb Hammer?

  You guys didn't make money. Okay.

• 19:30Speaker 02

  I did. I was making money, just for a couple of months, so, yeah.

• 19:34Caleb Hammer?

  No offense, but I mean, add your money to his, yes, is a significant contributor, but if we live off of yours alone, we can't.

• 19:40Speaker 02

  Yes, we found that out.

• 19:41Caleb Hammer?

  So he promised he had jobs lined up and he was gonna be working-

• 19:44Speaker 02

  He didn't promise. He just kind of alluded to the fact of-

• 19:47Caleb Hammer?

  Well, that's the plan you guys made together, is what you were essentially saying.

• 19:50Speaker 02

  Yeah.

• 19:50Caleb Hammer?

  That is kind of a promise, without saying, "I promise."

• 19:54Speaker 02

  Yeah, that was my impression, was that this new job was gonna start in the new year, and then it never did. And when I asked, it was like, "Oh, we never finalized anything." And I asked, you know, "Have you reached out to them?" "Oh, I haven't heard back." And then eventually, I think after that vacation, he reached out.

• 20:12Caleb Hammer?

  What's wrong with you? Why weren't you stepping up?

• 20:15Speaker 03

  From my perspective-

• 20:15Caleb Hammer?

  You guys couldn't even survive, from your perspective. From my point of view, the Jedi are evil. Like, what are we-

• 20:21Speaker 03

  I mean, I can pull up the, try to pull up the emails from when I was contacting them to see, but I swear I was emailing them, you know,

• 20:29Speaker 03

  at least once or two, every two weeks.

• 20:32Caleb Hammer?

  So your perspective is that you emailed them every two weeks?

• 20:35Speaker 03

  From my memory, yeah.

• 20:37Caleb Hammer?

  Yeah, but if you were the reason we're in this mess, and you promised, without saying the word "promise", that you would be working on this for your wife and child, newborn by the way, and then you didn't, that's a bit-

• 20:48Speaker 03

  I was reaching out to companies, other companies and them. They just never got back to me.

• 20:53Speaker 02

  I never saw anything. He just... I never asked either, though, to be fair.

• 20:58Caleb Hammer?

  Why weren't you pushing them?

• 20:59Speaker 02

  Because I was already stressed out and I didn't want to ask.

• 21:01Caleb Hammer?

  Yeah, because you guys didn't make any money, and the dude wasn't stepping up at all, and he stayed at home for two years doing nothing. Jerking off in strippers, I don't know. It's Vegas, I'm just assuming.

• 21:11Speaker 02

  He was always with her, and he can't drive, so.

• 21:13Caleb Hammer?

  He wasn't working, he reached out to companies, didn't fulfill his promise, and we just started going further and further into that. How did this process look? What did life look like? What were we doing?

• 21:26Speaker 02

  Sadly, we were kind of living the same lifestyle off of my income. I tried to take the reins of like consolidating our debt through some kind of

• 21:35Caleb Hammer?

  Consolidating? Okay.

• 21:37Speaker 02

  Yeah, some kind of debt relief company. I don't know. But that ended up making it way worse. I thought I was under the impression that they would make minimum payments. Cause I was keeping up with minimum payments to at least pay for everything, keep our credit high. We owned a house at the time, so making mortgage payments.

• 21:55Caleb Hammer?

  Own a house at the time?

• 21:56Speaker 02

  Yeah.

• 21:57Caleb Hammer?

  Well, how are you guys even affording a mortgage?

• 22:00Speaker 02

  Uh, our mortgage was like eighteen hundred dollars a month.

• 22:04Caleb Hammer?

  Yeah, but you

• 22:05Speaker 03

  It was honestly cheaper.

• 22:06Caleb Hammer?

  Yeah, but you're making twenty-six.

• 22:07Speaker 03

  Rent.

• 22:08Speaker 02

  Yeah.

• 22:08Caleb Hammer?

  Sure, at the time with low rates.

• 22:10Speaker 02

  Yeah.

• 22:11Caleb Hammer?

  Uh, but you're making twenty-six hundred. Like, no, you could have rented a smaller space. I know the newborn's not ideal, but hundred percent could have, could have.

• 22:20Speaker 02

  That's what we ended up doing.

• 22:22Speaker 03

  Renting a car.

• 22:22Caleb Hammer?

  So you sold your, okay, so you sold your house?

• 22:25Speaker 02

  Yeah, we had to sell our house.

• 22:26Caleb Hammer?

  Had to? What's had to?

• 22:28Speaker 03

  It was the easiest solution.

• 22:30Caleb Hammer?

  To?

• 22:31Speaker 03

  To get out of all the debt, pay off all of our debt.

• 22:38Caleb Hammer?

  So we sold the asset we were on that was going up in value that we likely had a low interest rate on, paid off all our debt, and now we're in a into, now we're in a shit ton of debt again.

• 22:47Speaker 03

  In hindsight, I credit because the markets kind of cooled off and houses aren't really selling as much.

• 22:53Caleb Hammer?

  Doesn't fucking matter. At least you would have been in it. Good luck getting in right now. You also would have been locked into a low rate. What, you care about a two-year movement, not a ten-year, twenty-year? Come on, that doesn't make any sense. You paid off your debt and now you're on the show, which means, fun fact, you have debt. Yeah. So you made no progress, lost an asset, and lost a great rate that we're probably not gonna see for at least decades.

• 23:14Speaker 03

  We got out of a lot of debt.

• 23:15Caleb Hammer?

  Unless something dramatic happens.

• 23:15Speaker 03

  Which was partially my fault because of my credit card. We racked up, before we sold the house, we racked up.

• 23:21Caleb Hammer?

  Why? Why were you racking up so much debt, guy that wasn't working fulfilling promises?

• 23:24Speaker 03

  I am terrible with like seeing the credit line. And I thought that was spendable money rather than like going off and setting a budget, so.

• 23:35Caleb Hammer?

  I feel like you guys have very different perspectives. I feel like you guys have very different perspectives on this. Especially with the, in my opinion, in my opinion, from my perspective, it's this, I I don't trust what you guys honestly say in front of the other person right now. So I'm going to do a little thing that we haven't done because I want to hear what you honestly think about what the other person's saying and what the other person thinks and what is actually going on in your situation. Timothy, can you hear me? Timothy, can you hear me? Timothy, Timothy, can you hear me Timothy? Timothy, can you hear me guy? Guy? Okay, good.

• 24:10Speaker 04

  The number one YouTube membership just got upgraded. And for this month only, you can join for free. Three exclusive shows every day, Monday through Friday. Financial audit post-shows, exclusive and uncensored financial audit episodes. Our call-in show, Hammer It Out.

• 24:32Caleb Hammer?

  Well then take the train, you!

• 24:34Speaker 04

  And brand new shows, Fat and Fatter.

• 24:39Caleb Hammer?

  I would go off-brand.

• 24:40Speaker 04

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• 24:42Speaker 05

  What? This was wild!

• 24:44Speaker 04

  Hammer vs. Internet.

• 24:49Speaker 04

  And now, upgrading from one live stream a week to two. No other channel offers what Hammer Elite provides. Join with the link in the pinned comment or description below. Submit proof of purchase at hammerelite.com and we'll reimburse you for the first month with a $10 digital gift card that can be spent anywhere in most countries. Sorry, North Korea, this one isn't for you.

• 25:12Caleb Hammer?

  Yeah, this is how we have to do a free trial on here because the platform doesn't currently offer free trials.

• 25:17Speaker 04

  It's okay, it's worth it.

• 25:18Caleb Hammer?

  Yeah, it is.

• 25:20Speaker 04

  Join Hammer Elite, the best membership on YouTube today, for free.

• 25:26Caleb Hammer?

  Alright, headphones are on the Timothy. And I'm gonna kind of do this so he can't see what I'm saying as much, but you can. Okay. Okay? So I just need to know, from your perspective, especially on this job situation where he was just hiding this and it took him forever to get in.

• 25:45Caleb Hammer?

  What is his impact on this financial situation when it comes to selling the house, paying off the debt, everything?

• 25:52Speaker 02

  Um.

• 25:52Caleb Hammer?

  They're not back in debt, give their perspective.

• 25:56Speaker 02

  Uh, it's, it's huge, to be honest. Um, now is not as bad, but I, once we paid off his credit cards, I didn't allow him to.

• 26:05Caleb Hammer?

  His credit cards? Did you have any debt?

• 26:07Speaker 02

  I did, but I didn't pay off mine.

• 26:09Caleb Hammer?

  Did you guys pay off your, his credit cards?

• 26:10Speaker 02

  Cause it was higher, higher amount, higher interest rate.

• 26:13Caleb Hammer?

  Okay.

• 26:14Speaker 02

  And I did, I did pay down mine. I just didn't pay it off. So.

• 26:19Caleb Hammer?

  So you'd say he's a, would you say he's the significant contributor to all this debt?

• 26:24Speaker 02

  Uh, yes. Yeah. Now.

• 26:26Caleb Hammer?

  And what do you think his perspective is? What do you think he would say?

• 26:30Speaker 02

  He would blame it on like me being a new mom, my mental health and that.

• 26:34Caleb Hammer?

  He blames your guys' debt and you being a new mom and your mental health?

• 26:38Speaker 02

  Yeah. Cause we did make a joint decision for him to stay home. I just didn't think it would last two years.

• 26:43Caleb Hammer?

  Conversation, yeah, two years is wild. What is your perspective of, I keep saying that because of you guys. What is your mindset on the fact that he was at home for two fucking years? We guys were scrounging on like little income, still going to Disney, but little income and trying to survive.

• 26:59Speaker 02

  Yeah, it was, it was rough. I mean, especially last year, like summertime, we moved into a house with his parents.

• 27:06Caleb Hammer?

  Home life, kids, home life, okay.

• 27:09Speaker 02

  His dad's retired, his mom works from home, just like I do. So we had plenty of childcare. Um.

• 27:14Caleb Hammer?

  Wait, when did he start working this job that he has now?

• 27:17Speaker 02

  February of this year.

• 27:18Caleb Hammer?

  He was doing this for two years. What do you think about that? Two years? What is your honest take? He doesn't hear this. He will when he watches it, but.

• 27:25Speaker 02

  I mean.

• 27:26Caleb Hammer?

  You have a few weeks. Come on, what do you think of the fact that he sat on his ass for two years?

• 27:32Speaker 02

  Yeah. I mean, those thoughts went through my mind. I just didn't say anything.

• 27:36Caleb Hammer?

  Why did, why would you not say anything?

• 27:37Speaker 02

  Well, you know what it's like to argue with him? I didn't want to deal with it.

• 27:41Caleb Hammer?

  Yeah. But that doesn't get us anywhere, does it?

• 27:44Speaker 02

  No, I was even looking for second and third jobs, like working in retail this last fall. And he wasn't even looking anywhere.

• 27:52Caleb Hammer?

  That's unacceptable. That's actually borderline disgusting.

• 27:55Speaker 02

  Yeah.

• 27:56Caleb Hammer?

  That is like, like that, that's, that is, he's not being a man.

• 28:02Speaker 02

  You said it.

• 28:03Caleb Hammer?

  Like straight up.

• 28:03Speaker 02

  Yeah.

• 28:05Caleb Hammer?

  Oh my goodness. And you, did you consider at all? Did you consider, I know there's a kid involved and that makes it so much harder, but was there any thought in your head of like, no longer being there? Dude wasn't sticking up. Dude wasn't fighting.

• 28:19Speaker 02

  Yeah, there was definitely the thought and then it kind of ran through my mind of like, is he going to want like alimony or something like that? I don't know how any of that works.

• 28:28Caleb Hammer?

  And you didn't because of that?

• 28:30Speaker 02

  Not the only reason, but that was definitely something.

• 28:32Caleb Hammer?

  How close were you?

• 28:34Speaker 02

  I don't know. Maybe like for a 40%?

• 28:38Caleb Hammer?

  That's huge.

• 28:40Speaker 02

  Yeah.

• 28:40Caleb Hammer?

  That's huge.

• 28:41Speaker 02

  Yeah.

• 28:44Caleb Hammer?

  You married someone who refused to step up. What finally pushed him to get a job this earlier this year, a few months ago, just a few months ago? And he's probably gonna try to sue them.

• 28:53Speaker 02

  It was just me and his parents nagging him.

• 28:56Caleb Hammer?

  You had to bring his parents into it for him to act like a fucking adult? He's 32.

• 29:02Speaker 02

  Yeah. I mean, since we all live together, they wanted, of course, we pay half the mortgage. So it was, my income was basically getting wiped out.

• 29:10Caleb Hammer?

  This is embarrassing. This is embarrassing. And I need to hear his perspective. So we're gonna move to him. Can you hear me Kylie? Kylie? Kylie?

• 29:21Caleb Hammer?

  Kylie, Kylie, Kylie. Okay, my guy. Here's the thing. I want to know, in your opinion, how much of the reason you guys are in debt is because of you? How much of the reason you guys are in debt is because of her? So, you know, the two year situation and everything.

• 29:39Caleb Hammer?

  I already have her perspective.

• 29:40Speaker 03

  I would say a lot of it was because of me.

• 29:43Caleb Hammer?

  Really?

• 29:44Speaker 03

  Yeah.

• 29:44Caleb Hammer?

  And how much would you say is on her?

• 29:47Speaker 03

  Like percentage wise or?

• 29:48Caleb Hammer?

  Yeah.

• 29:50Speaker 03

  Like 25%?

• 29:51Caleb Hammer?

  Okay. So 25% is on her.

• 29:56Caleb Hammer?

  Why'd you decide to get a job recently? After two years, what finally pushed you to go get this job?

• 30:01Speaker 03

  I've been looking for over two years. Not over two years, but I've been looking for longer than when I just started.

• 30:09Speaker 03

  Probably the last. Actually, yeah, close to a year ago, I started looking, um, once we moved into our new house because

• 30:16Caleb Hammer?

  Your new house?

• 30:17Speaker 03

  Our, like, family, like, like our family house that we have now. And that's when, like, we had daycare situated. That's when I was able to, you know, get back into, you know, really pressing and getting into the work field.

• 30:33Caleb Hammer?

  And what is, you know, that you're living with your parents, what is your parents' perspective spent on all this, you not working and everything?

• 30:39Speaker 03

  Um, obviously, they were pushing me to get a job. And so now that I'm working again, they're obviously very supportive. They drive me to work every day since I'm not allowed to drive.

• 30:47Caleb Hammer?

  You're thirty-two?

• 30:48Speaker 03

  Yeah, well, if I was

• 30:49Caleb Hammer?

  You need your parents to fucking push you to get a job after two years? To man up?

• 30:53Speaker 03

  They didn't push me. They just helped me with the daycare situation.

• 30:55Caleb Hammer?

  You were sitting on your ass, not doing anything, if we're being honest. Come on, come on, come on.

• 31:02Speaker 03

  I was watching my daughter.

• 31:04Caleb Hammer?

  How do you think she felt?

• 31:05Speaker 03

  My daughter?

• 31:06Caleb Hammer?

  Kylie.

• 31:07Speaker 03

  Oh. I mean,

• 31:11Speaker 03

  not great a hundred percent of the time. I know that from our arguments that we've had.

• 31:14Caleb Hammer?

  Arguments?

• 31:15Speaker 03

  Yeah.

• 31:18Caleb Hammer?

  What do you think was going through her head? What kind of work was she trying to do to bring in extra money?

• 31:25Speaker 03

  I don't remember any, like, extra money.

• 31:28Caleb Hammer?

  You don't remember anything in the conversations that she still has even that has happened, that she was doing to turn? Do you think she ever considered leaving you?

• 31:36Speaker 03

  Recently, I know she's been looking at jobs that bring in more money.

• 31:38Caleb Hammer?

  Recently? Do you think she ever considered leaving you?

• 31:41Speaker 03

  Yeah. We've, yeah.

• 31:43Caleb Hammer?

  You had conversations around it?

• 31:44Speaker 03

  Yeah.

• 31:44Caleb Hammer?

  Tell me about those.

• 31:45Speaker 03

  Um, I can't remember what the fights were centered around. I think it was just the amount of what I was just doing. You know, she felt like I wasn't doing enough. And so she, you know, just got fed up with it and threatened to go back home, you know, live with her mom.

• 32:05Speaker 03

  Take my daughter.

• 32:11Caleb Hammer?

  I mean, you guys aren't completely separate. Like, I feel like he considers it to have been about 75% his fault. For what it's worth. 25% your fault.

• 32:22Speaker 02

  Yeah.

• 32:22Caleb Hammer?

  Still, but he did consider it to be a little bit more his fault. And he knows you considered leaving. You guys talked about it. You threatened to go back home.

• 32:30Speaker 02

  Yeah.

• 32:31Caleb Hammer?

  Except he has no idea that you were looking for other jobs while he was sitting on his He has no idea.

• 32:37Speaker 02

  That's, that might be a memory issue.

• 32:39Speaker 03

  Yeah, that's what I said. It's other jobs. I know she's always been looking for other jobs that bring in more money. But when you said extra money, like I thought.

• 32:45Caleb Hammer?

  She was looking for extra jobs while you were just sitting there. You might not remember it, but I'm telling you now. You were sitting on your butt for two years and she was looking for extra jobs just so you guys could actually make your payments on things. Because you wouldn't do anything. And then you had to have your parents nag you until you got this job.

• 33:04Speaker 03

  I was still looking.

• 33:06Caleb Hammer?

  Looking. Come on. His looking, what was his looking? Opening LinkedIn a couple of times a week and hitting easy apply?

• 33:13Speaker 02

  Well, I feel like too, you were looking for like a niche job.

• 33:17Speaker 03

  Yeah, I was looking for something in my.

• 33:20Caleb Hammer?

  She was out there looking for a second, third, fourth job. You can't look for the niche job. You get a job, bring in money and look for the niche job while you have the job you don't care about as much. You don't get to sit on your butt while she's grinding.

• 33:35Speaker 02

  That's it. It was more like Christmas time. I was, well, like September to December when I was applying for retail jobs.

• 33:42Speaker 03

  I don't remember.

• 33:44Caleb Hammer?

  Just had birth. Gonna put, gonna stand up and work retail. Nothing wrong with retail.

• 33:50Speaker 02

  This one's last year.

• 33:51Caleb Hammer?

  I mean, still, come on. You're gonna make your wife go and work retail? While you do nothing except to do easy apply a couple of times? How many jobs are you applying to a week?

• 34:03Speaker 03

  Two years ago.

• 34:06Speaker 03

  Maybe one or.

• 34:07Caleb Hammer?

  That's a joke. That's a joke.

• 34:10Speaker 03

  That was when I was being the primary caretaker. And then the last year, probably three.

• 34:16Caleb Hammer?

  That's a joke. Should be three an hour.

• 34:22Caleb Hammer?

  Three an hour. When did you guys move in with the parents?

• 34:24Speaker 03

  About a year ago, June of last year.

• 34:26Caleb Hammer?

  Weren't you out there grinding? They're retired. I know that. They could have watched the kids. You should have been out there working yourself at McDonald's if you had to.

• 34:38Speaker 03

  Yeah.

• 34:38Caleb Hammer?

  No wonder she was 40% of the way from kicking your ass out of the house.

• 34:43Speaker 03

  Yeah. Hindsight, I obviously see that.

• 34:47Caleb Hammer?

  And guess what? Now you guys are here, which means you guys are not in a good position. I know we've been talking a lot about what's been happening, but it is very important for this conversation. But the fact is, we are not even close to a good spot. We have 122,000 dollars of debt. Guess what? There's not one mortgage there. 30,000 is owed to your parents? Oh, for fuck's sake, guys.

• 35:14Caleb Hammer?

  Oh, for fuck's stupid fuck's sake. What is that? What is this? What are you?

• 35:24Caleb Hammer?

  Oh, for fuck's sake, guys. Oh, what are we doing? We're not sitting here having a conversation how bad things were. Now I'm glad we had a redemption arc. Things are fucked now. No. No.

• 35:40Caleb Hammer?

  Good death.

• 35:46Caleb Hammer?

  Listen. When you're looking for a different career field, I'll at least gift you a course career certification to help you boost your resume and get into something that you want. If there's anything on there that you want, okay?

• 35:58Caleb Hammer?

  I'm gonna go three, two, one, go. And on go, at the same exact time, you're gonna say what your score is as a household. Just you two, not your parents, you two and your kid. As a household, your finance score is zero to 10, zero being the worst, 10 being the best. Okay, do we understand?

• 36:12Speaker 02

  Yes.

• 36:13Caleb Hammer?

  Three, two, one.

• 36:14Speaker 02

  One.

• 36:15Caleb Hammer?

  Okay, pretty close. If you want your financial score, take the assessment. It is free at CalebHammer.com. And if you don't want to end up like a guest on the show, make sure you download our Dollar Wise Budgeting app. Take your free trial, sign up for the annual version if you want to save money and get my budget-friendly cookbook that can't be purchased anywhere else. I'll sign it, mail it directly to you. You can sign up for Dollar Wise Central if you want all of our classes and the premium version of the app for 80% off. Go to DollarWise.com. And don't forget CalebHammer.com/apply if you want to come on the show. Okay.

• 36:47Caleb Hammer?

  Okay, this isn't a debt. They, I, again, I go in blind with the audience, right? They know everything about you. And they, they get paid to be stalkers. It's a pretty good job, right? And sleuths through people's personal lives. But they decided to, uh, put your checking account at the top, which is rare.

• 37:07Speaker 02

  Oh, great.

• 37:09Caleb Hammer?

  And I understand the fucking why. All this past talk, past talk, everything's today. Negative $2.17 in our checking account? What are we possibly doing? What the fuck are we doing, guys? What is happening right now? The past, no more past talk. What is happening now? You guys make money! And you owe it to parents! What is happening now?

• 37:36Speaker 02

  Well, not that we're proud of it, but once we get our bills paid, we just kind of, yeah.

• 37:42Caleb Hammer?

  Why? You went from owning a fucking house for your child, by the way, to now owning not a single asset, $144,000 of bad debt, not a single piece of good debt in there, $144,000. And we just blow money and end up negative in our checking account? Why is that the life we're even considering living? How, how is that the life we're even? You owe your parents who you're living with money and yet you're going and blowing money? And having negative money in your checking account? They ought to kick you the fuck out.

• 38:11Speaker 02

  Well, we pay half their mortgage.

• 38:15Caleb Hammer?

  Half their mortgage? Well, lucky you, big boys, good job, I'm glad. What adults. They should kick you the fuck out and make you guys learn your lesson. What a joke. You owe them money, they subsidize your life by only making you pay half the mortgage.

• 38:34Speaker 02

  Yeah.

• 38:35Caleb Hammer?

  And then you blow everything and go negative in the checking account instead of paying them back? They, I hope they see this. They're probably disgusted, disgusted. I would be. Do they know you're negative?

• 38:52Speaker 03

  I think they've known when we've, you know?

• 38:54Speaker 02

  I don't know, we don't really talk about money.

• 38:56Speaker 03

  We barely talk about finances with each other, let alone other people.

• 39:01Speaker 02

  Your parents, yeah.

• 39:02Caleb Hammer?

  We are going to call them in the post show and you are going to confess that instead of the money you owe them, you are blowing it all and we'll go over the exact amount because we're going to find out. You're going to tell them that and you go negative in your checking account instead of paying them back. And hopefully they.

• 39:19Speaker 02

  Glad you have to do that.

• 39:20Caleb Hammer?

  It's insane. It's insane. Yeah. I want to make the daughter in law. I'll make his son. They have, oh my gosh. So they looked up the area. There are listings for rental homes in the area for less than what you guys are paying your parents. They just sent me five homes that are cheaper to rent the entire home than what you guys are paying to your parents. What are you doing? You have no independence. They can still watch him. You're close. That doesn't mean your, the parents don't watch their grandchild, right? You don't have to live with them for that. What are we doing? You blow all your money? This is disgusting. This is unacceptable.

• 40:02Speaker 02

  Well, part of the, the mortgage payment that we kind of give to them is paying them back. But that's only.

• 40:09Caleb Hammer?

  Goes paying them back?

• 40:11Speaker 02

  Yeah.

• 40:11Speaker 03

  What, three hundred a month?

• 40:13Speaker 02

  Three hundred a month. Yeah.

• 40:14Caleb Hammer?

  Great. So, okay.

• 40:15Speaker 02

  But it's only for.

• 40:16Caleb Hammer?

  So it takes three hundred months?

• 40:18Speaker 02

  Basically. Now with the, the other fifteen thousand. Yeah.

• 40:21Caleb Hammer?

  Yeah. Other fifteen?

• 40:23Speaker 02

  Yeah, it was two.

• 40:24Caleb Hammer?

  We'll get to that, I guess.

• 40:27Caleb Hammer?

  So we know what came in.

• 40:30Caleb Hammer?

  Right? We know it comes in our monthly basis, seven thousand. Um, something extra did come in. We had a big wire hit. What was that?

• 40:39Speaker 03

  Is that the fifteen thousand?

• 40:41Speaker 02

  Yeah. Yeah, that was, um, part of the loan. So his parents gave us fifteen thousand. So that we could pay off one of his.

• 40:51Caleb Hammer?

  It's always his debt. Why is it always his debt?

• 40:54Speaker 02

  Cause he has a better credit score and he had more income. So we put a lot of the debt under his name.

• 40:59Caleb Hammer?

  And you're okay with this or does he push for it to always be his debt? Cause it's like always his debt.

• 41:04Speaker 02

  No, I mean, especially for that personal loan. That's years ago when I was trying to consolidate both of our debt. I don't know why I didn't include mine.

• 41:12Caleb Hammer?

  It's just always his and it feels like he only has a decent credit score because his mommy and daddy take care of them.

• 41:17Speaker 03

  They put me on a authorized user card when I was very young. I didn't use it when I was young.

• 41:22Caleb Hammer?

  You're such a baby.

• 41:23Speaker 03

  I didn't use it when I was younger.

• 41:24Caleb Hammer?

  Did you guys plan to have a kid?

• 41:25Speaker 03

  But they put me on authorized, so I helped build my credit when I was younger.

• 41:29Caleb Hammer?

  Okay, you can stop rambling.

• 41:32Speaker 02

  Well, it was an accident and then we chose to, once that didn't work. So it was like four months of planning.

• 41:38Caleb Hammer?

  So 7,000 normally comes in.

• 41:41Caleb Hammer?

  It was like 20,000 this time because he had 15,000 wired in. Okay.

• 41:47Caleb Hammer?

  What was spent? What went out? This includes, yes, putting money towards things and whatnot, but this is total out.

• 41:54Speaker 02

  So since I paid off that loan thing, I'd say 20,000 that month.

• 42:01Caleb Hammer?

  That month? What do you, what loan thing does?

• 42:04Speaker 02

  The settlement thing.

• 42:06Caleb Hammer?

  You're including that?

• 42:07Speaker 02

  Yeah, that's what was spent.

• 42:09Caleb Hammer?

  Putting money towards it? Yeah. If money can come in for it, it can go out for it. Huh? 23? 25,000. 25,000, even with the wire that came in, you spent thousands more than came in. How the

• 42:23Caleb Hammer?

  what is wrong with you guys?

• 42:26Speaker 02

  I don't even know how we did that.

• 42:27Caleb Hammer?

  No. You guys just enable each other? What are your conversations around money today? What are your conversations? You, she, he says yes, you say no. No, I'd say yes, we enable each other.

• 42:35Speaker 02

  Yes, we enable each other. We don't talk about.

• 42:37Caleb Hammer?

  What is the conversations around money? You don't talk about it at all?

• 42:40Speaker 02

  No.

• 42:40Caleb Hammer?

  When's the last time we talked about money? Sometimes I'll bring it up when we're going to buy something. I'll ask her if we've got the money for it and we'll do a quick check. And? And if we do. We don't talk about whether or not we need it or if he can get it. It says you just get it? He just gets it?

• 42:53Speaker 02

  I ensure that the car payment, insurance, all that stuff's paid.

• 42:58Caleb Hammer?

  Why are you okay with this? Why are you allowing this? You seem like the reasonable one. But maybe not.

• 43:02Speaker 02

  It's.

• 43:03Caleb Hammer?

  She just bought two Le Boobos for her and Le Boobos. They're just invading this show. What the is happening?

• 43:11Speaker 02

  They're cute. It's more my daughter wants one, so it's like, well, why not get two?

• 43:16Caleb Hammer?

  She's three.

• 43:17Speaker 02

  Yeah, she knows what she wants.

• 43:20Caleb Hammer?

  Get her something fake. She wouldn't know.

• 43:23Speaker 02

  It might be. I only paid $20 for each of them.

• 43:26Caleb Hammer?

  Those fake ones at the mall and they were actually more expensive.

• 43:31Caleb Hammer?

  If you guys ever asked them to skip rent? No.

• 43:34Speaker 02

  Yes.

• 43:34Caleb Hammer?

  Yes.

• 43:37Caleb Hammer?

  Why is this disconnect? That was last year.

• 43:40Speaker 02

  That was December and January, I think.

• 43:42Caleb Hammer?

  Last year, as in January this year?

• 43:45Speaker 02

  Yeah.

• 43:46Caleb Hammer?

  That's my favorite month from last year.

• 43:51Caleb Hammer?

  The fuck is wrong with you dude?

• 43:54Caleb Hammer?

  How are you so disconnected?

• 43:55Speaker 02

  He doesn't, he doesn't really deal with any of the finances, the bills, the-

• 43:59Caleb Hammer?

  You forced her to deal with your parents?

• 44:01Speaker 03

  For her?

• 44:03Caleb Hammer?

  Then why didn't you get involved? Why didn't you step up at all?

• 44:06Speaker 02

  I actually asked you for a month to tell them that we didn't have, that we didn't have the money.

• 44:12Caleb Hammer?

  She calls you on your bullshit. You just sit there and you just-

• 44:15Speaker 02

  I said, I don't want to have that conversation. It's your parents. It'd be easier. You do it and you didn't. And I ended up doing it.

• 44:23Speaker 02

  Do you not remember?

• 44:24Speaker 03

  No, I don't.

• 44:26Speaker 02

  This is the hard part is-

• 44:27Caleb Hammer?

  How much of that is an excuse versus real? Cause he can just say he forgets everything, right? Especially, he seems to only forget the tough conversations.

• 44:34Speaker 03

  I forgot, we even went to a restaurant. I was like adamant that we'd never been there and she was like, yes, we have. We went there last year. I was like, no, we haven't.

• 44:40Caleb Hammer?

  Huh?

• 44:41Speaker 02

  He argued with me.

• 44:41Caleb Hammer?

  But there was a, but you did, that was a while ago. This, this, this, this skip of a rent was only a few months ago.

• 44:50Speaker 03

  Yeah, I, I honestly don't remember.

• 44:55Caleb Hammer?

  And how much of that do you think is genuine?

• 44:59Speaker 02

  Ninety.

• 45:00Caleb Hammer?

  Okay. There's room for doubt.

• 45:02Speaker 03

  Yeah.

• 45:03Caleb Hammer?

  And it's not good.

• 45:04Speaker 03

  I can remember stuff like the longer we talk about it, like once we got to that one restaurant, we sat down, I was like, okay, I remember being here now.

• 45:13Speaker 02

  But you didn't tell me that.

• 45:14Speaker 03

  Yeah, I did.

• 45:14Speaker 02

  A week later.

• 45:15Speaker 03

  No, I didn't. I thought I told you guys all at dinner.

• 45:18Speaker 02

  No.

• 45:18Speaker 03

  I told my parents.

• 45:19Speaker 02

  No, then I'm just feeling like a crazy person, like-

• 45:22Caleb Hammer?

  Yeah, a little gaslighting.

• 45:23Speaker 02

  I have been here, yeah.

• 45:26Speaker 02

  You did eventually, but it wasn't that same day.

• 45:28Speaker 03

  No.

• 45:29Caleb Hammer?

  Ever been so focused on budgeting, cutting back on takeout, or opening that high-yield savings account? That you might forget the one thing that actually matters if life throws you a curveball. Like, how will you protect your family if the unexpected happens? I'm talking about life insurance. And yeah, it sounds serious because it is. But that doesn't mean it has to be hard or complicated. A term life insurance policy could give your family more financial protection and Fabric by Gerber Life makes it simple and fast. And it was built for busy parents so you can get it- Done today. Everything's online and you could get coverage in less than 10 minutes without a doctor's visit. And that means no scheduling nightmares, no piles of paperwork, just high-quality coverage on your own schedule. And if you're young and healthy, now is the time to lock in low rates.

• 46:14Caleb Hammer?

  We're talking about flexible, quality policies, like a million dollars in coverage for less than $1 a day. Even if you have life insurance through work, it may not offer enough protection for your family, and it may not follow you if you leave your job. Fabric has partnered with Gerber Life, trusted by millions of families for over 50 years, and they've got over 1,900 5-star reviews with an excellent rating on TrustPilot, so you know they're legit. Plus, it's more than life insurance. Fabric offers free digital wills, access to college savings tools, even investment accounts for your kid's future. It's basically one smart app away from being your financial co-parent. And there's no risk, because there's a 30-day money-back guarantee, and you can cancel it anytime. Join the thousands of parents who trust Fabric to help protect their family.

• 46:59Caleb Hammer?

  Apply today in just minutes at meetfabric.com/caleb. That is M-E-E-T fabric.com/caleb. Let's get back to the video. Let's talk about one of the most obnoxious bills in America: your phone plan. You know, the thing you're paying like 80 or 120 bucks for every single month? Yeah, that one. Well, Helium Mobile is out here basically embarrassing every major carrier. First off, they have a literal zero plan, as in $0. Free, no contracts, no credit card, just bring your own phone, pop in a SIM or eSIM, and boom, you're connected. With 3 gigs of data, it's perfect if you're a light user or want a second SIM without spending anything. But now they've launched something genius: the new Kids Plan. It's called Sprout.

• 47:43Caleb Hammer?

  $5 a month, that's it. You get 3 gigs, unlimited calls and texts, and, parents, you stay in full control. You manage approvals, monitor usage, and they even let kids earn Cloud Points that you can control how they spend. If you need more data than the free or Kids Plan, Helium Mobile's got the air and infinity plans that gives you more ways to call, text, and data for still way less than the big carriers. And you can even earn rewards just for Using your phone and get paid in cloud points. Oh, and the coverage. It's not sketchy. We're talking nationwide 5G backed by their big partner network. Plus helium's own network built by real people like Airbnb for cell towers, which means you get solid coverage while not getting absolutely wrecked financially.

• 48:26Caleb Hammer?

  The bottom line is clear. We've been getting robbed on phone plans for years. Helium Mobile finally fixes that. Click the link in the description to check it out and use code Caleb to get $10 in cloud points, which can be redeemed for gift cards to your favorite brands after 90 days. Let's get back to the video. I feel like you never step up. But you heard. Listen, and I can forgive the memory thing. Absolutely. But I feel like even still, even if you don't remember not stepping up, you still never step up.

• 48:54Caleb Hammer?

  Like, where's this child's dad?

• 48:57Caleb Hammer?

  Glad you hold her. Glad you buy her a little boo-boos. But you're not stepping up to actually help the house at all. You helped while you were jobless because you wouldn't get a job because you applied to two a week. Oh, big guy. To skip rent at the end of last year and at the beginning of this year.

• 49:17Caleb Hammer?

  To your parents.

• 49:20Speaker 00

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• 49:51Caleb Hammer?

  Is that not a joke? And then now that you've already skipped rent, now that you have money, we just blow it all and go negative in our checking account?

• 50:01Speaker 02

  I didn't know that we were negative. To be honest, I download the statement. I don't even want to look at it because I am afraid.

• 50:06Caleb Hammer?

  Why don't you guys use a budgeting app like ours? It would literally just tell you, it would just tell you how much you spend. And you can.

• 50:17Caleb Hammer?

  You guys get it for free, so take it.

• 50:20Speaker 03

  It definitely will.

• 50:22Caleb Hammer?

  Yeah, overdraft fees. Who would have thought?

• 50:28Speaker 02

  I didn't know there was any, but I don't like this.

• 50:30Caleb Hammer?

  How do you not know?

• 50:32Speaker 02

  I am-

• 50:33Caleb Hammer?

  Come on, if you're the one that's gonna take charge, it's a little unacceptable that you don't know, I'll be honest.

• 50:37Speaker 02

  I'm afraid to look, I just-

• 50:39Caleb Hammer?

  You can't be. That's not a choice. I mean, you can be afraid, but you still have to be an adult.

• 50:46Speaker 02

  I know, I just, I wish that sometimes he would do that, too.

• 50:49Caleb Hammer?

  I do too. Why don't you? Why are you being such a little-

• 50:54Caleb Hammer?

  And no, it's not because you forgot.

• 50:56Speaker 03

  No.

• 50:56Caleb Hammer?

  Can't use it for this one.

• 50:57Speaker 03

  Yeah, I, like, I look at the state, or not statements, but I look at the-

• 51:01Speaker 06

  Progressive's Accident Response can contact emergency services if you're in a major accident. The only thing worse than someone you love being in an accident is not being able to help them. So Progressive is here to help when you can't. So get peace of mind knowing your loved ones are protected with Progressive's Accident Response. Learn more at progressive.com. Progressive Casualty Insurance Company and Affiliates. Limited availability in California. Driver is responsible for emergency and towing charges not covered by the policy. Coverage subject to policy, terms, and conditions.

• 51:31Speaker 03

  App and how much we have all the time and, like, it's there and then all of a sudden, well-

• 51:36Caleb Hammer?

  So that's his contribution.

• 51:37Speaker 03

  There's a lot of times where, like, I know what's coming in and going out and then I don't know, like, I didn't know how many credit cards she still had. So I would see, like, a few transfers out to, like, a whatever the card was.

• 51:47Caleb Hammer?

  How many credit cards you still had?

• 51:50Speaker 02

  I just didn't want to put the stress on him.

• 51:51Caleb Hammer?

  Oh, come on, I've heard that conversation, I've heard that excuse from someone else. That's not how this works, though. It's not fair that he doesn't get to be informed because you're afraid of putting stress on him.

• 52:00Speaker 02

  Yeah, well, it used to be like that he would have a seizure if he was stressed out, so I-

• 52:05Caleb Hammer?

  Any stress at all?

• 52:07Speaker 02

  That's how I took it.

• 52:08Speaker 03

  I think the caffeine that I used to intake was a big part into it. Cut that out recent.

• 52:13Caleb Hammer?

  Listen, in this account, so much came in, but then, oh, what do we do? Well, we can overdraft, why are we overdrafting? So we can go to Coffee Lobby in Churro Hollywood, Razzos Pretzels, McDonald's, go in and get in some beef- Bull- Peacock Premium.

• 52:30Speaker 02

  No ads.

• 52:32Speaker 03

  Quite nice.

• 52:33Caleb Hammer?

  Listen, for Love Island, I will allow it, but once it's done, you're out. Everyone has to watch Hurricane Huddle.

• 52:41Speaker 03

  I am a mom. Cube.

• 52:44Speaker 02

  Agreed.

• 52:45Caleb Hammer?

  Fantasyland Resort? Eight hundred twenty-eight dollars for a resort?

• 52:50Speaker 03

  Was that Disneyland?

• 52:51Speaker 02

  Probably.

• 52:54Caleb Hammer?

  Instead of paying back your parents and overdrafting, you're going to Disney again?

• 52:58Speaker 06

  Progressive's Accident Response can contact emergency services if you're in a major accident. The only thing worse than someone you love being in an accident is not being able to help them. So Progressive is here to help when you can't. So get peace of mind knowing your loved ones are protected with Progressive's Accident Response. Learn more at progressive.com. Progressive Casualty Insurance Company and Affiliates. Limited availability in California. Driver is responsible for emergency and towing charges not covered by the policy. Coverage subject to policy terms and conditions.

• 53:28Speaker 03

  They came out with us.

• 53:29Caleb Hammer?

  What the is wrong with you guys though? It was the last. If we're overdrafting, we are not going to Disney.

• 53:35Speaker 03

  It was the last time we could go before my daughter had to pay for her tickets.

• 53:37Caleb Hammer?

  No, no, no, no, no. You don't get to go to Disney if you're overdrafting.

• 53:43Caleb Hammer?

  Like flat line.

• 53:45Speaker 03

  Well, we weren't overdrafted at the time.

• 53:47Caleb Hammer?

  You were over, you were in that same month, which is, that's what you led to it. So what led to it?

• 53:54Speaker 02

  That makes sense why we spent so much then. We went to Disney.

• 53:56Caleb Hammer?

  And she doesn't even know, you couldn't even bring that up.

• 54:01Caleb Hammer?

  Incoming wire fee, Dunkin' Donuts, Hobby Lobby, Amazon. Pin Kao Thai restaurant. It's so stupid. You guys are spending so much money.

• 54:11Speaker 03

  Sometimes when we go out to eat, the bill covers for all five of us.

• 54:16Caleb Hammer?

  You, you don't have money. You owe everyone in the world money. You, you don't go out to eat once unless someone else is paying for it. Your daughter's life is at stake here in terms of her future, in terms of any health savings account, in terms of any school savings account, in terms of you guys having a retirement so she doesn't have to put her life on hold in her 30s to support mommy and daddy who never sacrificed. And how do we know mommy and daddy never sacrifices? Oh, because they live with their mommy and daddy. Yeah, that's the life that she's gonna be living and putting her life on hold for you guys. Immature parents who choose Thai over their future.

• 54:57Speaker 06

  Progressive's Accident Response can contact emergency services if you're in a major accident. The only thing worse than someone you love being in an accident is not being able to help them. So Progressive is here to help when you can't. So get peace of mind knowing your loved ones are protected with Progressive's Accident Response. Learn more at progressive.com. Progressive Casualty Insurance Company and Affiliates. Limited availability in California. Driver is responsible for emergency and towing charges not covered by the policy. Coverage subject to policy terms and conditions.

• 55:27Speaker 02

  I wouldn't mind her living with us, but I don't want her to pay for us.

• 55:30Speaker 03

  Yeah.

• 55:30Caleb Hammer?

  Yeah, I want her to be able to go have her independence, though. She wants to live with you by choice, okay, maybe, unless she's being enabled. But she shouldn't be forced to, because mommy and daddy never took care of themselves.

• 55:42Caleb Hammer?

  This is disgusting, guys. This is disgusting. Unacceptable. I mean, ending with $2, I mean, it was from, it was from an after-pay payment, and a claw and a payment.

• 55:52Speaker 03

  Yeah, those are her.

• 55:53Caleb Hammer?

  That's what we're just over the official edge, because all we do is finance, finance, finance, finance, bullsh*t, stupid, dumb, three.

• 56:03Caleb Hammer?

  How much we spent going out to eat in the most recent month? Household, household, what do we think?

• 56:10Caleb Hammer?

  I know we don't budget, but we at least go do it, so we shouldn't have some kind of internet. 500? Okay.

• 56:15Speaker 02

  15?

• 56:16Caleb Hammer?

  It's a lot of money. It's a shit-ton of money. What the? What is the difference here? What is the, you both said you look at it. Why are we so disconnected again? I, I would love to know.

• 56:25Speaker 03

  I don't itemize stuff, I just know that.

• 56:27Speaker 02

  Well, I spend at least, probably $2.50 a week.

• 56:31Caleb Hammer?

  Hmm, DoorDash?

• 56:33Speaker 02

  Yeah.

• 56:36Speaker 06

  Progressive's Accident Response can contact emergency services if you're in a major accident. The only thing worse than someone you love being in an accident is not being able to help them. So Progressive is here to help when you can't. So get peace of mind knowing your loved ones are protected with Progressive's Accident Response. Learn more at progressive.com. Progressive Casualty Insurance Company and Affiliates. Limited availability in California. Driver is responsible for emergency and towing charges not covered by the policy. Coverage subject to policy terms and conditions.

• 57:06Speaker 02

  And then if we go out to eat every

• 57:08Caleb Hammer?

  Yeah, a thousand eight hundred dollars, by the way.

• 57:10Speaker 02

  Eyes close.

• 57:10Caleb Hammer?

  Unacceptable, disgusting, embarrassing. What the is wrong with you guys?

• 57:17Speaker 02

  Well, it's usually easier to order food.

• 57:18Caleb Hammer?

  No easier. That's the point. And that's why it's more expensive. You dumb tit. That's how it works. Easier doesn't mean cheaper. Easier doesn't mean it makes more sense. How many hours a week do you work?

• 57:29Speaker 02

  Forty.

• 57:29Caleb Hammer?

  You. How many hours a week do you work? Forty. You. Meal prep, budget friendly cookbook. This is simple dude. You guys live with the grandparents. Shut up. Started doing factor. Listen, and that's good for people out of debt. They sponsor us. I support them. When you're not financially, do you have a hundred eighty eight thousand dollars of bad debt? Hundred twenty thousand, sorry. Hundred twenty two thousand, four hundred sixty three dollars and fourteen cents of bad debt. Your eighteen hundred dollars that went to eating out? Yeah, that pays that off in literally sixty eight months. That pays that off in five and a half years. Is that great? No, but that shows that you can at least make progress. How much was your mortgage when you had a mortgage?

• 58:10Speaker 02

  Eighteen hundred.

• 58:11Caleb Hammer?

  Oh, well, how convenient. And now instead of contributing to an asset that goes up in value, we blow it all on food.

• 58:23Caleb Hammer?

  Money from parents, a debt consolidation. So the debt consolidated for you. Fifteen thousand nine hundred. Fourteen thousand one hundred for a car they paid off for him. Cause they only do him, by the way. What a joke. So thirty thousand dollars. And then your minimum monthly payment is again, three hundred dollars. So

• 58:46Caleb Hammer?

  takes a hundred months. Obviously did not matter, but even still. Even with my math being wrong earlier, because I'm

• 58:57Caleb Hammer?

  it still takes almost nine years to pay this off to your parents. How old will they be in nine years? Seventy four? Seventy three?

• 59:09Caleb Hammer?

  You're okay with that? And also, is that true?

• 59:11Speaker 02

  Uh, I don't know their ages, but

• 59:14Caleb Hammer?

  My dad is thirty years older than you.

• 59:17Speaker 02

  So, yeah.

• 59:20Caleb Hammer?

  Come on, guys. And then you pay rent to them. Six hundred seventy-five a week is expensive. You could totally rent the house. Again, they've sent me places, but.

• 59:29Speaker 02

  But that covers utilities too.

• 59:31Caleb Hammer?

  And daycare, technically. Yeah, but they, but you don't have to pay grandparents for daycare. If they're good grandparents, you know?

• 59:38Speaker 02

  Yeah, it's utilities.

• 59:40Caleb Hammer?

  However, they bailed you out in every way possible. So yes, you probably should. But you should just probably pay them back for the debt, not pay them for daycare. It gets a little weird. But thirty-five thousand one hundred dollars a year is substantial. Three thousand dollars, essentially a month in rent? That's brutal. Plus the three hundred that you pay on the debt to them? That's insane.

• 59:58Speaker 02

  That's included.

• 59:59Caleb Hammer?

  Yeah.

• 1:00:00Speaker 02

  The three hundred a month.

• 1:00:01Caleb Hammer?

  What is our plan with the living situation, guys? Because, again, this is, it's a bit weird. Are we gonna just live there forever?

• 1:00:09Speaker 02

  I'd love to move out maybe in like three to five years, once our.

• 1:00:12Caleb Hammer?

  Three to five years?

• 1:00:14Speaker 02

  Yeah, I want to build a savings and stop using.

• 1:00:17Caleb Hammer?

  I agree, what you could have done, but you blow eighteen hundred dollars on just going out to eat alone. And then there's other spending categories. That's not the only one. Misleany's bull. Could be video games, it could be whatever. It's this miscellaneous that doesn't contribute two thousand three hundred. So now two thousand three hundred? Plus the eighteen hundred, what is that? Four thousand one hundred dollars? We owe one twenty-two K.

• 1:00:42Caleb Hammer?

  That pays off the debt in twenty-nine months. That pays it off in two and a half years. Two and a half years debt-free.

• 1:00:49Caleb Hammer?

  Just by cutting off the miscellaneous bull. Uh, going out to eat. That doesn't even include the unknown spending, which is a thousand dollars. We'll see what that is. It doesn't include your groceries. It was nothing, because we don't do anything at all. So it's like, this is a joke. You guys are prioritizing just having fun right now.

• 1:01:04Speaker 02

  Yeah, we, we like to use the excuse for our daughter.

• 1:01:08Caleb Hammer?

  They, they should kick you out. They should kick you out. This is unacceptable behavior. And it's disgusting behavior. You guys are immature. And, uh, are not acting like good parents. I'm sure you love the child and you treat the child with love. But you're acting, not acting like loving parents for the sake of your household. And the future of the household, and the finances of the household, and it's disgusting.

• 1:01:32Caleb Hammer?

  Well, here's a credit card. Oh, shocker. Maxed out. Disney Rewards, Disney adults, okay? We don't have anything against them. We do when they're in debt.

• 1:01:46Caleb Hammer?

  Disney ass card, okay. Worth $499.77. With a $40 minimum monthly payment, 15 months to pay off minimum monthly payments without purchases. Oh, we purchased $682.

• 1:02:02Caleb Hammer?

  What the fu- why are we purchasing on a card that we can't fully pay off?

• 1:02:06Speaker 02

  That's where we get the discounts, when we went to Disneyland.

• 1:02:08Caleb Hammer?

  Fuck you discounts, Disney, you do- this doesn't make any sense, how are we going?

• 1:02:20Caleb Hammer?

  What is wrong with you guys? What is wrong with you, discounts at Disney? We weren't discounting at Disney! We doordashed Dunkin', doordashed Dunkin', doordashed McDonald's, went to McDonald's, doordashed Dunkin', doordashed pizza, doordashed Dunkin', doordashed Dunkin', doordashed McDonald, doordashed Dunkin', doordashed Wendy's, doordashed Jersey Mike's, doordashed McDonald's, Etsy, doordashed Double Dash, doordashed McDonald's, doordashed Dunkin', doordashed Wendy's, doordashed Dunkin', Marcy's, doordashed Dunkin', doordashed Dunkin', doordashed Dunkin'. It is 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24.

• 1:03:03Caleb Hammer?

  24 purchases on this card, and now one of them was considered a necessity. They were all in fact completed, both!

• 1:03:13Caleb Hammer?

  And we've had four, we've had three, oh, we've had two late fees this year so far, on this card. Hahahaha, what is wrong with you guys?

• 1:03:24Speaker 02

  I didn't know there's late fees, it's on our own.

• 1:03:25Caleb Hammer?

  Well, you didn't know you're under an in your checking account, you know nothing, even though you're the one in charge of the finances, the household. You guys are children, never have credit cards again, you are not credit card people. This is, what a fucking joke.

• 1:03:38Speaker 02

  But didn't I make a big payment on that one?

• 1:03:40Caleb Hammer?

  Yeah, I did, but you immediately spent, so it doesn't matter. And guess what? Y'all spent it on DoorDash. It was $500 of DoorDash. $500 of DoorDash!

• 1:03:50Speaker 02

  I told you I do like $250 a week on Dunkin'.

• 1:03:54Caleb Hammer?

  $250 a week on Dunkin'?

• 1:03:55Speaker 02

  Probably.

• 1:03:56Caleb Hammer?

  $250 a fucking week on Dunkin'? How? Doing what?

• 1:04:01Speaker 02

  Cause it's like $20 each time.

• 1:04:04Caleb Hammer?

  Doing what?

• 1:04:06Speaker 02

  Like coffee and donuts.

• 1:04:08Caleb Hammer?

  What are you? How often? Every day you're getting donuts every fucking day? How are you enough?

• 1:04:18Speaker 02

  I don't know.

• 1:04:18Caleb Hammer?

  You will be.

• 1:04:20Speaker 02

  Yeah, probably. But I get everyone else breakfast too.

• 1:04:23Caleb Hammer?

  Fuck everyone else. I don't care. You owe them money. Stop buying them donuts that you can't afford. $20 DoorDash and donuts every single fucking day. Fuck you, fuck you, fuck you. Who's everyone else?

• 1:04:35Speaker 02

  His parents and my daughter.

• 1:04:36Caleb Hammer?

  Okay.

• 1:04:37Speaker 02

  No, I work from home.

• 1:04:40Caleb Hammer?

  All this and you work from fucking home? You absolute degenerate piece of shit.

• 1:04:48Caleb Hammer?

  You kind of are acting like a piece of shit. You owe them money and you buy them donuts and you spend $250 on Dunkin', DoorDash, a week? A week?

• 1:05:00Speaker 02

  Yeah.

• 1:05:01Caleb Hammer?

  Just Dunkin' Donuts alone?

• 1:05:03Speaker 02

  Well, like

• 1:05:04Caleb Hammer?

  Funnel to debt, we pay it off in 122 months.

• 1:05:08Speaker 02

  Yeah.

• 1:05:11Caleb Hammer?

  You guys are acting seriously like 14 year olds, like 14 year old teenagers living at home. Just because they are enabling, allowing you to stay there. Yes, you're paying rent, but look what they're allowing. And they're giving you money and paying off your debt because you can't figure out anything in this world? You guys are children. You are actually children.

• 1:05:31Caleb Hammer?

  Are you not embarrassed? Yeah.

• 1:05:33Speaker 02

  Yeah.

• 1:05:34Caleb Hammer?

  Then why have you done fucking nothing?

• 1:05:38Caleb Hammer?

  Huh? I, I just don't even know where to begin. Uh, not $250 on Dunkin' every fucking week? Where would you begin? I'd look there as a start.

• 1:05:52Speaker 02

  I don't know. It's a mess, that's for sure.

• 1:05:57Caleb Hammer?

  Yeah, great response. You've done nothing. You haven't tried to do anything. This is... You're embarrassed that you've done nothing to fix it. Children.

• 1:06:07Speaker 03

  We've definitely fallen into a complacency of convenience and comfort.

• 1:06:13Caleb Hammer?

  Shut the [__] up.

• 1:06:14Speaker 03

  The pregnancy, I would say.

• 1:06:16Caleb Hammer?

  Oh, because of the pregnancy three years ago? Three and a half years ago. What an excuse. What a disgusting excuse. What a moronic excuse. What an embarrassing excuse. You want to be attached to that? Excuse?

• 1:06:29Speaker 02

  No, we also spent worse when, before I was pregnant. So it's been not just that.

• 1:06:35Caleb Hammer?

  Yeah.

• 1:06:38Speaker 02

  Because we used to make more money before I got pregnant.

• 1:06:41Caleb Hammer?

  What?

• 1:06:43Caleb Hammer?

  How much did you guys make? You'd make good money now.

• 1:06:47Speaker 02

  I feel like 175, I think, a year.

• 1:06:51Caleb Hammer?

  Oh, I'm gonna [__], I'm just gonna [__] take a [__] all over this table. What the [__], they just, they let me in on some lore. You went and got a $4,000 necklace while you were unemployed in January, which is, by the way, a month where you asked your parents if you could not pay rent? What are you, dude? What the [__] is wrong with you?

• 1:07:14Caleb Hammer?

  Is he gonna conveniently not remember this one?

• 1:07:16Speaker 03

  No, hey, well...

• 1:07:17Speaker 02

  He told me he felt spendy.

• 1:07:19Caleb Hammer?

  He felt spendy?

• 1:07:20Speaker 02

  That's what he told me.

• 1:07:24Caleb Hammer?

  What even is that?

• 1:07:26Speaker 03

  I don't remember using that term ever. But I don't...

• 1:07:30Speaker 02

  We did on that. We even told Lindsay when he said that. I felt a little spendy.

• 1:07:35Caleb Hammer?

  You literally told Lindsay a couple days ago? Yeah, confirmed? What is wrong with you?

• 1:07:46Speaker 02

  When he likes something, he's hyper focuses on it.

• 1:07:49Caleb Hammer?

  I do too, but doesn't mean I get it. I do if I can afford it.

• 1:07:53Speaker 02

  Yeah.

• 1:07:55Speaker 02

  To be fair, I think we did have that in our savings. It just made it to where we couldn't pay for anything else.

• 1:08:05Caleb Hammer?

  Yeah, Lindsay told Lindsay says she'll she can tell us exactly what he said because you have some conveniently timed amnesia.

• 1:08:18Speaker 05

  Okay, so you said that you paid eighteen hundred for it and then you financed the rest.

• 1:08:24Caleb Hammer?

  That was her ring.

• 1:08:24Speaker 05

  You did say that you were, oh, that was the ring?

• 1:08:26Caleb Hammer?

  Yeah.

• 1:08:26Speaker 05

  Oh, yeah, because you also bought her a ring for three thousand dollars.

• 1:08:31Speaker 05

  Yeah, while unemployed. And asking parents for delayed rent. Uh huh, yep. And then, so one of the reasons why you bought it is you were sold by the salesperson. You felt a little hustled. They told you that it would have been twelve thousand dollars. And you you really were just getting jealous because you kept seeing people wearing them. And Kylie actually wanted to buy you a hundred dollar chain that was gold plated. And you went ahead and did this. Now, Caleb, but here's the sentimental part. He spent four thousand dollars on this. But then he had part of it made into a bracelet for their baby that I'm sure she'll grow out of. I'm just, I'm reading you for filth on that.

• 1:09:11Speaker 02

  She, it's already pretty tight on her.

• 1:09:13Caleb Hammer?

  It's already tight on her? What the is wrong with you guys? What is wrong with you guys? Making money moves should be simple, and that is why I use Cash App. It's fast, safe, and way easier than other apps. There's no hoops, no hassle, just the tools you need. Cash App makes sending and receiving money stupid easy. I sign up in like two minutes and I've been using it ever since to split rent, cover dinner, even pay my barber without awkward IOUs. Plus, if something looks sketchy, Cash App gives you a heads up before you send, like a personal bodyguard for your money. And yeah, you can even customize your payments with notes, stamps, and fun backgrounds because paying your friend back doesn't have to be boring. For a limited time only.

• 1:09:54Caleb Hammer?

  New Cash App users can use our exclusive code to earn some additional cash. For real, there's no catch. Just download Cash App and sign up. Use our exclusive referral code, Caleb10, in your profile. Send five bucks to a friend within 14 days and you'll get $10 dropped right into your account. Terms apply. That is money. That's Cash App. You're, this is, oh, this is so embarrassing. Are your parents not embarrassed?

• 1:10:21Caleb Hammer?

  Do they ever say they're embarrassed or disappointed or disgusted? Cause they should.

• 1:10:26Speaker 02

  No, we don't talk about stuff like that.

• 1:10:29Caleb Hammer?

  They don't see it though? Cause you asked for delayed rent the moment you spent on that

• 1:10:34Caleb Hammer?

  necklace bullshit.

• 1:10:35Speaker 02

  I mean, the conversation was had with me and, cause I had to deliver the news and I don't feel great saying, hey, this is what was spent on the necklace.

• 1:10:45Caleb Hammer?

  Did they know about it?

• 1:10:46Speaker 02

  Yeah.

• 1:10:47Caleb Hammer?

  About the necklace? They know you did it in the same exact month?

• 1:10:50Speaker 02

  Mm-hmm.

• 1:10:51Caleb Hammer?

  And?

• 1:10:53Speaker 02

  They didn't really say much.

• 1:10:54Caleb Hammer?

  Oh, they're

• 1:10:56Caleb Hammer?

  they're equally disgusting. Cause they allow this. They refuse to promote any kind of growth among you guys. They allow that? What is wrong with them? Yeah, you're gonna confess all this [__] to them, but I might have to [__] yell at them.

• 1:11:14Caleb Hammer?

  What a 27.2% interest rate. You're wearing it?

• 1:11:22Caleb Hammer?

  Oh, my

• 1:11:25Caleb Hammer?

  oh, what are you [__] sasam?

• 1:11:27Speaker 02

  This is, he likes the flash. He wanted a cross, but I thought that was more him.

• 1:11:35Speaker 02

  So I said, get this one instead of the cross.

• 1:11:37Caleb Hammer?

  Looks like a middle schooler.

• 1:11:44Speaker 02

  You wear it every day at least.

• 1:11:46Speaker 03

  Gets his money worth.

• 1:11:49Speaker 02

  Can't return it, so.

• 1:11:52Speaker 02

  I looked at that for my ring though.

• 1:11:54Caleb Hammer?

  Can you ask his parents if you can return him?

• 1:12:00Speaker 02

  They may not want that either.

• 1:12:03Caleb Hammer?

  All right, what is this BMO Platinum card?

• 1:12:07Speaker 02

  Oh, that was the more recent card that I opened when I

• 1:12:11Caleb Hammer?

  Why?

• 1:12:12Speaker 02

  To try to boost my credit back up.

• 1:12:13Caleb Hammer?

  What the fuck is wrong with you? Just pay off your fucking debt!

• 1:12:17Speaker 02

  Well, I'm doing that, but it doesn't-

• 1:12:18Caleb Hammer?

  No, you're not. Oh, shut the fuck up. No, I just looked at one card. You spend $250 a week on Dunkin'. Shut the fuck up. No, you're not. You don't know what you're talking about. What kind of bullshit is that? That is a fuck you bullsh- Fuck off!

• 1:12:30Caleb Hammer?

  What? Fuck off. When did you open this? Come on. Don't bullshit me.

• 1:12:35Speaker 02

  I want to say in 2023, maybe 2024.

• 1:12:40Caleb Hammer?

  Okay, so it's not new.

• 1:12:42Speaker 02

  It's newer.

• 1:12:43Caleb Hammer?

  Okay.

• 1:12:44Speaker 02

  That's my latest-

• 1:12:45Caleb Hammer?

  All right, we spent $499 on this. Again, it's maxed out. No one's surprised. There's fees going. Or we have fucking payment plans. 15 months to pay off minimum payments only without any purchases, but do we always purchase? Yes, we do. Yes, we do. So we owe $476.41 with a minimum monthly payment of $53.55. Okay? Hmm, not one considered possibly good purchase. Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon. This is the fuck- What is wrong with you? Pull up your Amazon for me. Right now, lady.

• 1:13:26Speaker 02

  I don't have an Amazon app.

• 1:13:28Caleb Hammer?

  So it's you? It's you?

• 1:13:31Speaker 03

  She usually sends me the stuff when we need to get stuff off Amazon.

• 1:13:35Caleb Hammer?

  Need. Let's see, need. Oh, you Android freaks.

• 1:13:41Speaker 02

  He made me switch when I got on his phone plan.

• 1:13:43Caleb Hammer?

  You can be on an Android. I just don't know how to start a screen recording, so you better start it for me. Do you know how to?

• 1:13:48Speaker 02

  Nope. I'm not tech. He might, though. Because I have this one, too. You got it.

• 1:13:55Caleb Hammer?

  Potty training, fine. Bucky's 50 count tub?

• 1:13:59Speaker 03

  Buckeyes.

• 1:14:00Caleb Hammer?

  Okay.

• 1:14:00Speaker 02

  Oh, that was my Mother's Day gift.

• 1:14:02Caleb Hammer?

  It doesn't, you don't need it. Mother's Day gift, happy Mother's Day. I'm paying off your debt we owe you.

• 1:14:08Speaker 03

  I don't sell Buckeyes in Las Vegas. I had to order them.

• 1:14:12Caleb Hammer?

  So, I don't, you had more purchases than this. I know for a fact, because there's literally more purchases on here than I am seeing. So there's something wrong on here. What the is this? Don't you have the map?

• 1:14:25Speaker 02

  I don't. It's just on amazon.com.

• 1:14:27Caleb Hammer?

  Slippers definitely don't need that. Nail polish remover, fine.

• 1:14:31Speaker 03

  The slippers, I think, were my mom's Mother's.

• 1:14:34Caleb Hammer?

  Payment revision needed, probably because we're maxed out. Yeah, yeah, yeah, of course. Three pack short sleeve shirt. More short sleeve shirts.

• 1:14:42Speaker 02

  Oh, they sent me the wrong one.

• 1:14:45Caleb Hammer?

  Pet soft mail, dog diapers, old dog?

• 1:14:47Speaker 02

  Yeah.

• 1:14:48Caleb Hammer?

  Hmm, that's sad. This is crazy. Spin toy. So many things. That's the laundry. It's like, I'd say it's like 30% bullshit. The rest of it I'm okay with, but you spend so much on Amazon.

• 1:15:01Caleb Hammer?

  You found out that he has multiple Amazon accounts that he's paying for at one time?

• 1:15:05Speaker 03

  It wasn't multiple Amazon accounts. It was multiple subscriptions. Like, the one was our yearly, the yearly one.

• 1:15:11Caleb Hammer?

  Why?

• 1:15:12Speaker 03

  Because that's just, the one was like Amazon video. The one was.

• 1:15:16Speaker 02

  For her tablet.

• 1:15:16Caleb Hammer?

  Crime comes with everything, yeah?

• 1:15:20Speaker 03

  Not anymore. I think they like charge for.

• 1:15:23Speaker 02

  I think you pay one annual payment and I think you, we pay a monthly one.

• 1:15:27Speaker 03

  Annual one. And then I do think there's a monthly one. I'm not sure what exactly it's for. I think it's for video and I think the other one's for just.

• 1:15:36Caleb Hammer?

  We have interest charging this year, fees, you're on a payment plan for this one. This is, I don't know, guys. Afterpay. Who's the afterpayer?

• 1:15:47Speaker 02

  Me.

• 1:15:47Caleb Hammer?

  Screams you. Yes, it is usually.

• 1:15:49Speaker 02

  These are all mine.

• 1:15:50Caleb Hammer?

  Very feminine product for some reason. I don't know why. It just, that's just, why is it women that use have to pay so much?

• 1:15:56Speaker 02

  To be honest, it's out of convenience. Like, if I don't have my card on me, I'll just.

• 1:16:00Caleb Hammer?

  Have your card on you. Debit only. Because you can't afford a single thing. Pull up your Afterpay.

• 1:16:07Caleb Hammer?

  Yeah, you have your card thing on the back. What is wrong with you?

• 1:16:10Speaker 02

  Well, he carries our main card. I don't carry it.

• 1:16:13Caleb Hammer?

  All right, Afterpay. Here we are. Oh my gosh, the way this thing just tells you to spend more money immediately, just right on there.

• 1:16:25Speaker 02

  I don't usually log in that either. So I don't really know what it looks like.

• 1:16:31Caleb Hammer?

  I don't know how to navigate because I've never used it before.

• 1:16:37Caleb Hammer?

  Okay. Well, this forty four dollar payment, uh, due thirty was due in a day.

• 1:16:46Caleb Hammer?

  Someone just sent you a video snap. Probably our daughter.

• 1:16:50Speaker 02

  Yeah, probably our daughter. Well, like it's a video of her from his mom.

• 1:16:54Caleb Hammer?

  Oh. Old Navy, Pandora?

• 1:16:58Speaker 02

  Yeah, it was for my mom's Mother's Day gift.

• 1:17:00Caleb Hammer?

  What is, you guys are so weird. American Eagle, Crocs, Sheen, DSW, Show, Lululemon. You can't, you're not buying Lulu. You're at least getting f-ing fabletics until you're out of debt, dude. Old Navy, Old Navy, T-Mo, we're going to T-Mo, but we're also going to f-ing Lulu. Old Navy, Gap, Carter's, Gap, Carter's, Gap. Come on, Carter's, Carter's, Carter's, Carter's. This is so stupid.

• 1:17:30Speaker 03

  Kids grow fast.

• 1:17:34Caleb Hammer?

  This is work, man.

• 1:17:38Caleb Hammer?

  It's ridiculous. You paid off the balance because it was small, but it's so stupid. Discovery card.

• 1:17:46Speaker 02

  Which one? Whose is that?

• 1:17:47Caleb Hammer?

  I don't know. It's in collections?

• 1:17:50Speaker 03

  That's probably mine.

• 1:17:50Caleb Hammer?

  Eight thousand six hundred two dollars.

• 1:17:52Speaker 02

  Oh, that's mine.

• 1:17:52Caleb Hammer?

  Past due?

• 1:17:53Speaker 03

  Oh, it's yours.

• 1:17:53Caleb Hammer?

  What, what, what's going on? Is it in collections?

• 1:17:56Speaker 02

  Yeah, well, I make.

• 1:17:57Caleb Hammer?

  Come on.

• 1:17:58Speaker 02

  I make payments on it.

• 1:17:59Caleb Hammer?

  You do?

• 1:17:59Speaker 02

  I do.

• 1:18:00Caleb Hammer?

  Forever?

• 1:18:01Speaker 02

  Pretty much.

• 1:18:02Caleb Hammer?

  Oh, f-ing sake. Okay, so you owe eight thousand six hundred two dollars. What's your minimum monthly?

• 1:18:07Speaker 02

  Fifty dollars.

• 1:18:08Caleb Hammer?

  That's an.

• 1:18:11Caleb Hammer?

  Me, is there interest on it?

• 1:18:13Speaker 02

  I don't know.

• 1:18:15Caleb Hammer?

  If there's not, it still takes one hundred seventy two months to pay off. That's insane. Fourteen f-ing years. It's gonna fall off your collections by then if you didn't touch it, but you did.

• 1:18:25Caleb Hammer?

  But literally it would have fallen off in half the time. Not that I necessarily even, I mean, I appreciate accountability, but it's still, this is.

• 1:18:33Speaker 02

  Actually, I don't think those are paid up. I don't think I pay on that one because when I did that debt, national debt relief thing, they put a power of attorney on it where I can't get it removed unless I like mail them in something.

• 1:18:45Caleb Hammer?

  Huh? This debt?

• 1:18:46Speaker 02

  Yeah. I'm sorry. I paid 50 on a different.

• 1:18:50Caleb Hammer?

  Oh, for the sake, we don't even, so this is just on there?

• 1:18:52Speaker 02

  I think so.

• 1:18:52Caleb Hammer?

  And the debt consolidation? Hasn't done anything? This is on for the next five years? Okay, so what is the city card that is $6,189?

• 1:19:02Speaker 02

  That's the one I pay the $50.

• 1:19:04Caleb Hammer?

  So past, okay, so it's worth, okay. So, okay. But you do have that on your credit, the $8,602. Why are you going into collections and mommy and daddy, you're paying off his debt?

• 1:19:16Speaker 02

  Well, when we sold our house, I used, I think maybe 25,000 of our profit to pay off credit cards because they were higher.

• 1:19:25Caleb Hammer?

  That's fucking crazy. And remember, his name is Timothy, but that's crazy. $2,493. So what you currently own this, it's $50. It's on owed, on the record for the next five years. So.

• 1:19:44Caleb Hammer?

  It's gonna take 10 years to pay off. Wait, did I do that right?

• 1:19:50Speaker 02

  Probably, yeah.

• 1:19:52Caleb Hammer?

  No, it takes four years to pay off.

• 1:19:53Speaker 02

  Oh.

• 1:19:55Caleb Hammer?

  That was the original mess. Oh, here's another one. Okay, who's the WFBN A?

• 1:20:00Speaker 02

  They're all mine.

• 1:20:00Caleb Hammer?

  What is wrong with you? Why did you go into collections?

• 1:20:03Speaker 02

  Because I would rather deal with it than have him do it.

• 1:20:06Caleb Hammer?

  Why collections? Why not fucking make your payments instead of going into collections, you tit?

• 1:20:10Speaker 02

  Well, that's that national debt relief. They, I was under the impression that they were sending the payments and they told us not to.

• 1:20:16Caleb Hammer?

  They negotiate with them and then you pay them and then they usually pay off.

• 1:20:20Speaker 02

  But they wouldn't negotiate until we had like a balance in our account with them. So that's in the meantime, all of our stuff was going.

• 1:20:27Caleb Hammer?

  Did you do anything with that?

• 1:20:29Speaker 02

  No, they told us not to. So then I called the company and I was like, this is not what I thought it was. And I closed it. We got the funds back.

• 1:20:37Caleb Hammer?

  You closed it. Great. Okay.

• 1:20:39Speaker 02

  Yeah.

• 1:20:39Caleb Hammer?

  Well, you owe what? So now it's all [__]. That's so stupid.

• 1:20:42Speaker 02

  Yeah.

• 1:20:42Caleb Hammer?

  Three thousand five hundred eighty-nine is owed on this one. Are you making payments?

• 1:20:45Speaker 02

  I don't think so.

• 1:20:46Caleb Hammer?

  Okay, so it's just sitting there destroying. Yeah, your credit must be [__], huh?

• 1:20:49Speaker 02

  Yeah.

• 1:20:50Caleb Hammer?

  Here's another one. This one's on your record until nine years from now. Paid. Oh, wait. Closed. Wait. Joint auto loan paid, closed, never late. Okay. Hold on. Original balance, fifty-seven thousand eight hundred fifty-one dollars. This one's done. This is the one that his mom paid off?

• 1:21:07Speaker 02

  Yeah. They paid the negative equity.

• 1:21:09Caleb Hammer?

  That's insane. They baby you so much. You guys are never gonna be independent. You're never gonna be able to survive on your own. How could you? You guys don't do anything. You're incapable of doing anything on your own. Yeah, they...

• 1:21:25Speaker 02

  We did for a little bit.

• 1:21:26Caleb Hammer?

  Yeah.

• 1:21:27Speaker 02

  I know we...

• 1:21:28Caleb Hammer?

  Then what [__] changed?

• 1:21:31Speaker 02

  I think the impulse decisions of going down to one income really screwed us over.

• 1:21:38Caleb Hammer?

  And why did we stay at one income for so long, Guy? Because you're a pushover that did nothing. Being, yeah. You're lazy. Being a stay-at-home dad. Stay-at-home dad, but for an entire year of that, you were living with your parents, which who are retired. So shut the [__] up. It's been a full year. Come on. Shut the [__] up. That's some bullshit, dude. You can use an excuse for a year, but not the second one. It's like eight months. Come on. You're okay with this?

• 1:22:07Speaker 02

  I mean, at least he has a job now.

• 1:22:09Caleb Hammer?

  Yes, after he was bullied by his parents because he's a child.

• 1:22:13Speaker 02

  Yeah.

• 1:22:16Caleb Hammer?

  They didn't bully me. Oh, come on, dude.

• 1:22:23Caleb Hammer?

  I don't trust you in a workplace at all. You got cease and desist from a previous workplace.

• 1:22:27Speaker 03

  They're weak minded. My one boss yelled at a deaf or a half deaf employee that his name was on the building one time. The guy was the nicest guy in the world.

• 1:22:36Caleb Hammer?

  Yeah, sounds like the boss may have been a we get that, but for the reasons you claimed that they were wrong was objectively not.

• 1:22:43Speaker 03

  They didn't like that I was right.

• 1:22:45Caleb Hammer?

  You've never been diagnosed and you never claimed you never asked for a workplace disability of any kind of treatment. You have absolutely nothing. You have no standing and no offense to them being weak minded, but clinically, I think your mind is the weak one. It gives up on you all the time. And you forget things.

• 1:23:05Speaker 03

  Unfortunately, very true.

• 1:23:06Caleb Hammer?

  It's sad. It sucks, but we're being real. Okay, what is this, uh, Mojila?

• 1:23:13Speaker 02

  Uh, must be my student loans.

• 1:23:16Caleb Hammer?

  And never lay deferred. Okay, well, they're deferred.

• 1:23:19Speaker 02

  On some save program or something. Great. Until next year.

• 1:23:22Caleb Hammer?

  Huh? Until next year? Cause it's done.

• 1:23:24Speaker 02

  Yeah.

• 1:23:25Caleb Hammer?

  It's done. They said, no, no, bye bye. It's coming back. What's your student loans total? Fifteen thousand, two hundred and eleven. Is that you or is that you guys combined?

• 1:23:33Speaker 02

  That's just me. His parents paid off this.

• 1:23:36Caleb Hammer?

  His parents paid his?

• 1:23:37Speaker 02

  I think so.

• 1:23:40Caleb Hammer?

  You're embarrassing. You're embarrassing. You're embarrassing.

• 1:23:46Caleb Hammer?

  You wanted to just be with a guy who's never been able to stand up and do anything himself?

• 1:23:52Speaker 02

  He can.

• 1:23:53Caleb Hammer?

  But he never has.

• 1:23:57Caleb Hammer?

  Congratulations. He busted a nut, a nut once and we have a three year old. That's the one thing he's provided.

• 1:24:02Speaker 02

  Well, it's a good, good addition.

• 1:24:04Caleb Hammer?

  It's a good addition. That's the one thing he's ever done.

• 1:24:11Caleb Hammer?

  So what do you have fifteen thousand, two hundred and eleven dollars in student loans for?

• 1:24:16Speaker 02

  Um, I, when did I go to school? I think two thousand and nineteen is when I did online school.

• 1:24:22Caleb Hammer?

  For what? What's your degree? Do you have a degree?

• 1:24:24Speaker 02

  I don't.

• 1:24:24Caleb Hammer?

  You dropped out?

• 1:24:25Speaker 02

  I dropped out and it was for a bachelor's in accounting.

• 1:24:28Caleb Hammer?

  Forty percent of people who have student loans drop out, so. They're fitting right in with that statistic. Uh, yeah, I mean, this payment will probably kick in when, when does it, when does it say?

• 1:24:37Speaker 02

  April of next year.

• 1:24:39Caleb Hammer?

  Okay, that's gonna come quick. And your payment is probably gonna be about, well, with your guys' joint tax returns, did you file jointly?

• 1:24:45Speaker 02

  Mm-hmm.

• 1:24:47Caleb Hammer?

  That's gonna fuck you with this. And it's good for a lot of things, but it's gonna fuck you with this. Uh, it's probably gonna be about a hundred seventy-five dollars a month.

• 1:24:56Speaker 02

  Yeah.

• 1:24:58Speaker 02

  Almost double what it was when, obviously, he wasn't working.

• 1:25:03Caleb Hammer?

  That's gonna, oh, that is gonna suck in April.

• 1:25:08Speaker 02

  Uh-oh. Another checking account.

• 1:25:11Caleb Hammer?

  Another checking account, at least this one's positive this time, but it's gone down dramatically. It went from two thousand dollars to three hundred five.

• 1:25:19Caleb Hammer?

  Um, I guess in the debt collection, uh, calculations that my team did, they put in the car loan on your collections, or on your credit, even though it said it was paid off, so, uh, we're actually crossing that fifty-seven thousand dollars off of your debt from the one hundred twenty-two thousand that I named at the beginning. So, that's an error on our part.

• 1:25:37Speaker 02

  Well, we do have a lease too.

• 1:25:40Speaker 02

  So that might be that that is. I don't know.

• 1:25:44Caleb Hammer?

  Oh.

• 1:25:44Speaker 02

  I don't think it was that much, but...

• 1:25:46Caleb Hammer?

  What the fuck is your lease?

• 1:25:48Speaker 03

  Five thirty?

• 1:25:50Speaker 02

  Mm-hmm.

• 1:25:51Speaker 03

  Five thirty a month?

• 1:25:52Caleb Hammer?

  Okay, yeah, another minimum three payments, stacking up. What, what's your car?

• 1:25:56Speaker 03

  Honda CR-V.

• 1:25:57Caleb Hammer?

  And what's the term?

• 1:25:59Speaker 03

  Thirty-six months.

• 1:26:01Caleb Hammer?

  And what's the year of the car?

• 1:26:03Speaker 03

  Twenty twenty-five.

• 1:26:05Caleb Hammer?

  So you guys just took this out?

• 1:26:07Speaker 02

  Yeah.

• 1:26:07Caleb Hammer?

  What is wrong with you guys?

• 1:26:09Speaker 03

  We were trying to get out of our-

• 1:26:10Caleb Hammer?

  Why a lease?

• 1:26:11Speaker 03

  Old car.

• 1:26:11Caleb Hammer?

  Old car that you didn't pay?

• 1:26:13Speaker 03

  Separately.

• 1:26:13Caleb Hammer?

  What old car, what are you talking about?

• 1:26:15Speaker 03

  One before.

• 1:26:15Speaker 02

  You wanted-

• 1:26:16Caleb Hammer?

  What are you talking about?

• 1:26:17Speaker 03

  Huh?

• 1:26:17Speaker 02

  You wanted the car so you could drive to work.

• 1:26:19Speaker 03

  Oh, yeah.

• 1:26:20Caleb Hammer?

  What?

• 1:26:21Speaker 02

  I, I told him to wait, because his mom has a car that isn't used, so it's just-

• 1:26:26Caleb Hammer?

  And you could have used your mom's car? And you were like, no, let's go into debt?

• 1:26:31Speaker 02

  Well, he can't drive either. So he was under the impression that he'll have the, be able-

• 1:26:35Speaker 03

  The job.

• 1:26:35Caleb Hammer?

  Wait, wait, wait a, why, why, why the fuck did you get a lease if you can't drive?

• 1:26:38Speaker 03

  I could when I started the job.

• 1:26:41Caleb Hammer?

  Yeah, but you just got the lease.

• 1:26:43Speaker 02

  No, I think you were a week away from when you could drive, and then you had another seizure.

• 1:26:49Caleb Hammer?

  Now we have a lease of a car we can't use?

• 1:26:51Speaker 02

  I use it sometimes.

• 1:26:53Caleb Hammer?

  Yeah, but what about this other car that was paid off?

• 1:26:55Speaker 02

  Yeah, it's still in our garage.

• 1:26:56Caleb Hammer?

  Oh my. Guys! Guys, what is wrong with you? Why don't you have another fucking dad?

• 1:27:06Speaker 03

  We did need a third car.

• 1:27:09Speaker 02

  I think you wanted one.

• 1:27:10Speaker 03

  I, we needed it.

• 1:27:11Caleb Hammer?

  Why don't you need a third car? One person can drive.

• 1:27:15Speaker 03

  There's times where my dad is watching my sister's kids and so he's got that car over there and then my mom goes places or she'll take the kids somewhere and then if we need a-

• 1:27:23Caleb Hammer?

  Cool, and that's the rare opportunity where you can just take an Uber?

• 1:27:27Speaker 03

  That adds up fast. I did that when my parents-

• 1:27:29Caleb Hammer?

  Adds up fast, except it's a rare time where you need a third car. Rare!

• 1:27:33Speaker 03

  It's actually once, well, not a third car, but I did have to Uber. And it's like once a month.

• 1:27:39Caleb Hammer?

  Oh no, once a month! I'm sorry, was that a $530 Uber?

• 1:27:44Speaker 03

  No.

• 1:27:44Caleb Hammer?

  Then fuck you! What are you talking about? You were just trying to justify, you were just feeling spendy and you got a car lease.

• 1:27:54Speaker 03

  I guess.

• 1:27:56Caleb Hammer?

  This is beyond-

• 1:27:57Speaker 03

  When I do stuff like that, I feel like we need, like, I genuinely feel like we need things like-

• 1:28:03Caleb Hammer?

  Then see a fucking therapist and cope! Cause this is insane. You do not need this. If you need an extra car once a month, you can Uber and it is much more cost effective and it's fine. Is it as convenient? No, but I don't give a fuck. You guys are in debt, you live with your parents, you can't do anything, you guys are probably behind on retirement.

• 1:28:20Speaker 02

  Oh yeah.

• 1:28:20Caleb Hammer?

  Okay, you guys are behind on retirement, so what the fuck are you talking about? Need another car? Fuck you! You don't even get to keep the car in the end, you'd have to buy it out! It's a lease, baked in all into the monthly payment.

• 1:28:34Caleb Hammer?

  Ridiculous. Okay, so there is a hidden debt. Fucking stupid.

• 1:28:42Caleb Hammer?

  Oh, we're DoorDash-ing Qdoba. ATM withdraw, who knows what the [bleep] hundred twenty-three dollars. Jimmy John's twenty-three dollars. Oh, these, oh, camera, camera, look, look, it's all dumb. McDonald's DoorDash-ing Wendy's, you guys, we got a third car so that we can get things delivered to our house.

• 1:29:04Speaker 03

  I have to get stuff delivered to the office because I can't drive. I don't have a car there.

• 1:29:07Caleb Hammer?

  You can, um, uh, pack a lunch, you [bleep].

• 1:29:10Speaker 03

  Oh, he started doing that.

• 1:29:11Caleb Hammer?

  You ginger [bleep].

• 1:29:13Speaker 03

  That's why those aren't from this month.

• 1:29:15Caleb Hammer?

  No, this is from the most recent month. I don't give a [bleep] about what you did two weeks before coming on the show. Everyone uses that excuse. Everyone, the moment everyone knows they're coming on the show, they're like, I'm gonna pack a lunch for a couple of weeks. I'm gonna look so good. No, you're not. [bleep] you. This is what you were doing. DoorDash-ing Wendy's, selling money out, six hundred and seventy-five dollars. That sounds like your weekly run. ATM withdraw, no, no one knows what that one, a hundred and fifty-three dollars. DoorDash-ing Panera, Las Vegas Aviators, Las Vegas, Las Vegas, Las Vegas, Las Vegas. Galleria, Cinnabon, Lululemon again, three hundred and twenty-five dollars. What is wrong with you guys? You guys are broken. You guys are broken. You guys are broken. Box lunch, DoorDash-ing McDonald's, DoorDash-ing Dairy Queen, DoorDash-ing Vons.

• 1:29:55Caleb Hammer?

  ATM withdraw, sixty-three dollars, ABC, Disney, oh, Disney, two hundred and fifty-six dollars. DoorDash-ing McDonald's, DoorDash-ing Cafe, DoorDash-ing Chipotle, ATM withdraws, Hulu. Cinemark's not even a good movie theater. DoorDash-ing Panera, Brad. Cinemark's not even a good movie theater, huh?

• 1:30:17Speaker 03

  They had the Red Guardian helmet popcorn bucket.

• 1:30:19Caleb Hammer?

  Yeah, and they also have a shitty movie theater with the shitty audience.

• 1:30:22Speaker 03

  They have very, very bad movie theater.

• 1:30:24Caleb Hammer?

  That's why the audience is [bleep] that you're with, and I can't watch a movie with [bleep] audience. They're so rowdy.

• 1:30:29Speaker 02

  Well, I couldn't see over the seat, though.

• 1:30:30Speaker 03

  Yeah, they have high seats.

• 1:30:32Caleb Hammer?

  Yeah, she's like five foot one. What are you doing?

• 1:30:36Speaker 03

  Thought they were normal.

• 1:30:36Caleb Hammer?

  Are you shorter than that?

• 1:30:37Speaker 02

  Mm-hmm.

• 1:30:38Caleb Hammer?

  How tall are you?

• 1:30:39Speaker 02

  I'm five foot.

• 1:30:39Caleb Hammer?

  How tall are you?

• 1:30:40Speaker 03

  Five-eleven.

• 1:30:42Caleb Hammer?

  You must just be slouching.

• 1:30:44Speaker 02

  We have like the same torso.

• 1:30:45Caleb Hammer?

  You just have very tiny legs.

• 1:30:47Speaker 02

  Yeah.

• 1:30:48Caleb Hammer?

  Very curious. Zelling out, there's your weekly run. DoorDash-ing Popeyes, box lunch, DoorDash-ing McDonald's, McDonald's, Anthony Ann's, box lunch, express Las Vegas, and sunny cookies. This is, you guys are eating now approximately four to five times a day, both of you combined.

• 1:31:04Caleb Hammer?

  That sounds accurate. It is insane. It is insane. You should have picked a wealthier man.

• 1:31:11Caleb Hammer?

  McDonald's, Auntie Anne's, Box Lunch Express, Las Vegas, Insomnia Cookies, Man Cave Salon.

• 1:31:17Speaker 03

  Haircut.

• 1:31:21Caleb Hammer?

  Worked so well. Smith's, Amazon Kids, Amazon, ATM at $163, Yard House, Build-A-Bear, Auntie Anne's, Freddy's, Sabaro, Door Dashing, Cafe, Amazon Door Dashing, Panda Express Door Dashing, McDonald's, Auntie Anne's, Auntie Anne's, Lulu District, ATM at drop. First of all, I've never seen someone that goes to this much on Auntie Anne's. And also, they're telling me you spend more on your hair than she does on hers.

• 1:31:45Speaker 03

  It's my daughter. She loves pretzels.

• 1:31:47Caleb Hammer?

  I don't give a [bleep] a box of hard pretzels.

• 1:31:51Speaker 03

  We did. But when we're out shopping at the mall, she needs something to eat.

• 1:31:55Caleb Hammer?

  Stop going to the mall, you dumb [bleep]. You don't, you have no need to go to the mall. You have no need to go to the mall. It's her exercise. Mall is all bull [bleep] spending.

• 1:32:02Speaker 03

  Yeah.

• 1:32:03Caleb Hammer?

  The walking around. Walk inside. At house.

• 1:32:09Caleb Hammer?

  And talk about budgeting. Door Dashing Popeyes, Mitchell Girl. $102 of overdraft fees this year so far on this checking account. That means that's approximately, I'm gonna say that's about five overdrafts, four to five overdrafts. Yeah. This year, we're six months in. Actually, four months in at the time of the statement means you overdraft every single month. At the time of the statement, we're five months in, you overdraft likely every single month. At the time of the statement.

• 1:32:38Caleb Hammer?

  You guys live in an embarrassing life and you should be ashamed. And I'm sure we can budget you out of this because the fact is, the fact is, this is all fun spending. This is like, this should be actually a pretty easy budget.

• 1:32:52Speaker 03

  Yeah.

• 1:32:52Caleb Hammer?

  You can have a cheaper rent.

• 1:32:55Caleb Hammer?

  Should be, yeah. All right, your income is $7,000. Let me get your debt minimum monthly. Not including the mortgage because there is none.

• 1:33:10Caleb Hammer?

  Debt minimally payments alone without an asset to our name or a degree $973.55. What's your rent to them monthly?

• 1:33:21Speaker 02

  Sometimes it varies.

• 1:33:22Caleb Hammer?

  Okay, what's the weekly?

• 1:33:23Speaker 02

  675 a week.

• 1:33:25Caleb Hammer?

  675, we'll at least budget for four a month. Okay, 270, that includes utilities and all that, right? Okay, car insurances.

• 1:33:34Speaker 02

  Uh, we pay 160.

• 1:33:36Caleb Hammer?

  Gas, vroom, vroom, drive, drive.

• 1:33:38Speaker 02

  Maybe 50 bucks a month.

• 1:33:40Caleb Hammer?

  Phone bill.

• 1:33:42Speaker 02

  Does parents pay it?

• 1:33:44Caleb Hammer?

  We're on a family plan. Child, should at least pay them. TV fund, anything else you guys and your daughter need to survive? Toothbrush, activities, blah, blah, blah. Give you $200 because you guys live with the grandparents, $200. Obviously daycare would be a bit more, but you don't need that, so you don't have to worry about them. How does the grocery situation work at the house?

• 1:34:03Speaker 02

  Basically, his parents buy groceries and then they prepare dinner.

• 1:34:08Caleb Hammer?

  You, I'm gonna give you 100 bucks just to get snacks for you guys. This is the most thing ever. What is the medical? What is the medical expenses, copays, anything?

• 1:34:17Speaker 02

  Yeah.

• 1:34:18Caleb Hammer?

  How much a month?

• 1:34:20Speaker 02

  Say probably 300.

• 1:34:22Caleb Hammer?

  You need gyms, that's expensive. Any gym? 26 a month.

• 1:34:25Speaker 02

  That he doesn't use?

• 1:34:28Caleb Hammer?

  I'll keep it, use it. Subscriptions, I'll give you, I can probably fit in 50 bucks because you guys are doing nothing. So 50 bucks, you decide where it goes. Pets, you have a dog?

• 1:34:36Speaker 02

  We have three.

• 1:34:37Caleb Hammer?

  Okay, how, uh, one's unhealthy and old. What are the ages and health of the other two? Seven and five?

• 1:34:43Speaker 02

  Yeah.

• 1:34:44Caleb Hammer?

  So, okay, age or health? Good healths?

• 1:34:47Speaker 02

  Both good, yeah.

• 1:34:48Caleb Hammer?

  Pet insurance on either of them?

• 1:34:49Speaker 02

  No.

• 1:34:50Caleb Hammer?

  Okay, we'll put in 70 bucks for pet insurance, get pet insurance, it'll save you guys a lot of money. Just get proper pet insurance, there's a lot of shitty ones out there. So just shop around. Pet food, how much on a monthly basis?

• 1:35:01Speaker 02

  Uh, about 50 bucks.

• 1:35:02Caleb Hammer?

  You guys pay for that with grandparents?

• 1:35:04Speaker 02

  We pay for it.

• 1:35:04Caleb Hammer?

  Okay, 50 bucks.

• 1:35:07Caleb Hammer?

  This is gonna be so easy, I have a feeling. Guys bring in 7,000 dollars a month and what you need to survive is $4,679.55. You guys are gonna piss me the fuck off.

• 1:35:18Caleb Hammer?

  So you have an extra 2,320 left over. I'll give you 320 for fun.

• 1:35:25Caleb Hammer?

  $320 and 45 cents for fun.

• 1:35:29Caleb Hammer?

  It's a fucking stupid. So $2,000 left on a monthly basis. So it's gonna take a while, but your debt is different because we put in that car. You don't have to figure out how to give up the lease when you're done. You don't need a third car.

• 1:35:41Caleb Hammer?

  Or

• 1:35:42Speaker 03

  Although she's

• 1:35:42Caleb Hammer?

  Or sell the other car that you have. Stick with the lease and then buy it out at the end or just get a new car.

• 1:35:47Speaker 03

  She had a headhunter reach out to her recently for an office job. So you might need that car.

• 1:35:52Caleb Hammer?

  Well, that's fine. But either way, we have a few years to figure that out. Student loans were minimum payment until it is paid off. Same with the chargebacks. Not freaking out about that. So the bad debt that we're focusing on paying off is the 30,000 to our parents. This, the credit cards is about a thousand. Student loans we're gonna let set, charge it off, so we're gonna let set in that car loan doesn't exist. So $31,000 is what we need to focus on paying off. $2,000 a month takes 15 months is the easiest world. Takes 13 months. Boom. Fully funded emergency fund. About, let's call it one year and three quarters. Keep me your minimum three payments on the collections. Let the other ones fall off. Minimum three payments on student loans of those kick in and figure out what you need with the car by the end, but this is so easy and you guys can move on and live your life.

• 1:36:37Caleb Hammer?

  You're just acting like children and I'm honestly really disgusted and it's really disappointing and you should be embarrassed and disgusted like I am. What a fucking joke. I'm gonna give them their hammer financial score, but make sure you guys come to the post show and remember Hammer Elite is free for this month. All you have to do is submit proof of purchase at hammerelite.com and we'll reimburse you with a digital gift card. Um, so join us in the post show. I'm gonna, we're gonna call their, their parents and we're gonna have a heart to heart and confront that. Spending in a budget, you guys overspend is zero out of 10. Debt, you have collections, zero out of 10. Emergency fund, nothing to your names, zero out of 10. Retirement, nothing in your names. I didn't see retirement.

• 1:37:14Speaker 02

  I have like $500 in my form.

• 1:37:16Caleb Hammer?

  Zero out of 10. Real estate. Well, we sold that zero out of 10. You guys went from what was likely like a three to a five hammer, hammer financial score. Maybe even higher to a literal zero because you guys are only going reverse in life and it's disgusting and you should be ashamed. That's just so fucking moronic. Join us in the post show, guys. I'll see you there. Link in the description below. Hammer financial score is zero.

• 1:37:37Speaker 05

  You had shared with me that you're an authorized user on your parents' credit card and that you spend on it and then they pay it off.

• 1:37:43Caleb Hammer?

  Yeah. Why are you okay with this? Dealing with a lot of face. Call your mother. So they owe you guys $30,000? No, it's more than that, actually. Exclusive members content? Click the link in the description or pinned comment below and watch thousands of hours of extra and uncensored content.

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