I Hate His B*tch Wife | Financial Audit

*I AUDIT HER RESUME IN THE POST SHOW* It was legit worse than Brint's hahaha it was the funnest crappiest things I've ever seen. watch here: https://hamr.link/ytjoin *OR* download the brand new Hammer Elite App ➡ https://hammerelite.com/#join (discounted annual) 50% OFF IS LIVE. Merry Christmas in July you financially naughty little freaks. Take the NEW AND IMPROVED Hammer Quiz to see if your finances are naughty or nice, then get half OFF the exact courses you need to finally unf*ck your money: https://hamr.link/xmasjuly 💰 Download Dollarwise - Big Deals, New Features, Free Trial: https://go.dollarwise.com/join ============================= *Caleb Hammer Financial Resources* ============================= 👉 See if refinancing your high-interest debt saves money. Checking is free. → https://hamr.link/ytmoneylion2 👉 Find and compare much better AND cheaper car insurance for free → https://www.moneylion.com/network/hammer-media/auto-insurance/search 👉 Finally experience relief from your debt once and forall → https://www.moneylion.com/network/hammer-media/debt-relief/explore ============================= 🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb 🔥 Get Your Own *Hammer Financial Score* → https://hamr.link/newquiz ============================= *Sponsors for This Video* ============================= You’re 30 seconds away from being debt free with PDS Debt. Get your free assessment and find the best option for you at https://PDSDebt.com/hammer For the first time ever you can try NetSuite Next for free. Go to Netsuite.ai/HAMMER Taking care of your health just got easier – start here with Zocdoc: https://zocdoc.com/CALEB #sponsored ============================= *Education* ============================= 👉 Get access to EVERYTHING I offer all in one place: https://bit.ly/4sUm2pb ⚡Learn how to budget: https://bit.ly/4sspyGh ⚡Learn how to invest: https://bit.ly/41mr8OP ⚡Pay off your debt: https://bit.ly/41mr8OP ============================= *Extra Resources* ============================= 👉 Land a high-paying job with no experience or degree: ➡ https://coursecareers.com/CalebHammer 👉 Get FREE MONEY by investing with Public! https://secure.moneymatchup.com/public-caleb 👉 Find the best credit cards for you with my quiz! https://cards.calebhammer.com/yt 👉 Get $20 from Acorns for free: ➡ https://acorns.com/caleb 👉 Helium Mobile: Use promo code CALEB for a FREE plan ➡ https://hellohelium.com/ 👉 Protect your online privacy and security for free with Aura: ➡ https://aura.com/hammer ============================= *Chapters* ============================= 00:00 Intro 01:30 Jobs & Income 03:30 bros just throwing her under the bus IMMEDIATELY LOL 09:15 D1 coach with little league play.. rip 12:10 her business is so special!! 17:00 bros cooking her HAHA 22:22 oh theyve split before... 40:05 okay i can see why he filed, im exhausted listening to her lol 46:02 whats bro doing on his phone?? 54:00 chat, is she not tiring 01:11:30 women and logic, am i right fellas (this is satire) 01:15:20 youre not special girl, get another JOOOOB 01:33:00 no accountability.. 01:39:33 Budget!! ============================= Want more content? ============================= 🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips 🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel ============================= *Connect with me!* ============================= TikTok: https://www.tiktok.com/@calebhammercomposer X: https://x.com/sircalebhammer IG: https://www.instagram.com/calebhammercomposer/ Facebook: https://www.facebook.com/calebhammercomposer/ ============================= *Want to be a guest on Financial Audit?* ============================= 👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply *Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. Sponsorship and business inquiries: [email protected] Learn more about your ad choices. Visit megaphone.fm/adchoices

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

• 0:00Speaker 00

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

• 0:29Caleb Hammer?

  To watch episodes of Financial Audit a week earlier, check us out on YouTube. How's the marriage?

• 0:34Speaker 02

  Fine.

• 0:34Speaker 03

  I think it's been hard to recover since last year.

• 0:37Caleb Hammer?

  What was last year?

• 0:39Speaker 03

  What was last year?

• 0:40Speaker 02

  You know, we went through, uh...

• 0:41Caleb Hammer?

  I don't know [bleep] shit, dude.

• 0:43Speaker 02

  A separation.

• 0:44Caleb Hammer?

  Oh, you guys were separated last year.

• 0:47Speaker 03

  If he's gonna be that opinionated on what I'm doing right or wrong, then be in it. Support me.

• 0:52Caleb Hammer?

  So she has an official diagnosis and you're just dismissing it?

• 0:55Speaker 02

  So if you get diagnosed with something like 15 years ago, does it last forever? I just, I think I speak on nothing but facts and you just speak on all emotions. And I can't argue with your emotions.

• 1:07Caleb Hammer?

  Who's this person from... I don't believe in her name, but [bleep].

• 1:12Caleb Hammer?

  Why do you do video calls with her? Very frequently.

• 1:16Speaker 02

  Coaching stuff?

• 1:23Caleb Hammer?

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• 1:51Speaker 03

  Hi, I'm April. I'm 29 years old.

• 1:53Speaker 02

  I'm Sebastian. I'm 31 years old. We live in Tyler, Texas.

• 1:56Speaker 03

  And this is Financial Audit.

• 1:59Caleb Hammer?

  Thanks for coming down to Austin, guys. April, what do you do for a living up in Tyler?

• 2:04Speaker 03

  I'm a server.

• 2:06Caleb Hammer?

  Okay, well, 29, yeah, I mean...

• 2:08Speaker 03

  Waitress.

• 2:08Caleb Hammer?

  That can make... Yeah, server waitress, sure. That can make good money, depending on the restaurant. I mean, I know, I know some people here, my favorite sushi places make really good money, but then there's, you know, you could be at Chili's and not. Are you at the Chili's or the nice sushi restaurant?

• 2:25Speaker 03

  I'm at a new Mexican restaurant that is just taking off. Yeah, Mexican's good.

• 2:30Caleb Hammer?

  No, Mexican's good. It's usually not a higher-priced food place, meaning you're probably not making as much.

• 2:35Speaker 03

  Okay, but, yeah, I'm not making as much, actually.

• 2:37Caleb Hammer?

  Okay, what do you make?

• 2:42Speaker 03

  About 500 a week. Give or take.

• 2:46Caleb Hammer?

  Why do you look confused and dumbfounded and shocked and concerned and basically every human emotion?

• 2:52Speaker 02

  Are you sure it's 500 a week?

• 2:56Speaker 02

  I don't...

• 2:56Speaker 03

  Average. Average 500. I think it's a good average.

• 2:59Speaker 02

  Are you averaging just the bad weeks? Not all of the weeks?

• 3:03Caleb Hammer?

  Are you saying she makes more than that?

• 3:04Speaker 02

  I thought so, somewhere.

• 3:07Caleb Hammer?

  You think so or judging?

• 3:09Speaker 03

  Okay, so here's the thing.

• 3:10Caleb Hammer?

  Would he know?

• 3:11Speaker 03

  No. I handle the finances for the most part. Like, I do the budgeting and stuff, so I'm the one who knows. But I should know.

• 3:20Caleb Hammer?

  You should know. Why doesn't he know? You're the controlling Latino wife.

• 3:23Speaker 03

  Not controlling. We sit down. We sit down.

• 3:28Caleb Hammer?

  I mean, come on. He can't even look at you. He's afraid of being punished.

• 3:33Speaker 03

  We sit down and we go through our budget together. I give him all the information, whether it sticks or doesn't. That's, that's outside of my control.

• 3:41Caleb Hammer?

  Kind of. I mean, depending on who you communicate, it's different per individual. If it's not working, maybe you need a different communication style.

• 3:48Speaker 03

  Probably. I don't know. Maybe.

• 3:51Caleb Hammer?

  So she is controlling?

• 3:52Speaker 03

  Better.

• 3:53Speaker 02

  Yes.

• 3:54Caleb Hammer?

  You're getting like war flashbacks all episode or something.

• 3:57Speaker 02

  Yeah, like she controlling, doesn't listen to me. I just have to kind of...

• 4:04Caleb Hammer?

  What is she not listening to?

• 4:06Speaker 02

  How I think money should be spent or things that we can maybe downsize on and...

• 4:13Caleb Hammer?

  What do you think? What's your opinion?

• 4:15Speaker 02

  I just think that we have a little too much that we don't need in life in general. Like, I mean, like in our house, like we just...

• 4:24Caleb Hammer?

  What is the person who's trying to be frugal not gonna say? Wouldn't that prevent us from meeting this massive stack of financial documents? If the frugal person had a say, why can't he have a say?

• 4:34Speaker 03

  He's not frugal.

• 4:37Speaker 03

  He tries to, like, come off as frugal, even like when we talk, but then he'll be the one who's also making purchases. So it's pretty back and forth.

• 4:47Speaker 02

  I gotta buy something, like a...

• 4:49Speaker 03

  But I can't. But I can't.

• 4:52Caleb Hammer?

  So is he the controlling one?

• 4:55Speaker 03

  Yes.

• 4:56Caleb Hammer?

  Okay, so, I mean, that was opposite of the, you know, intense Latina energy. I was trying to get it in here. So how's he the controlling one?

• 5:03Speaker 03

  I think we're both fighting for the control. I think that's part of the issue.

• 5:06Caleb Hammer?

  Why does it have to be control, not teamwork? What do you mean? So what does the control look like on his side?

• 5:11Speaker 03

  Well, like, he'll...

• 5:14Speaker 03

  He gets upset at any little thing that I try to do with the money or like it's always a problem or if I don't listen to how he wants to do things or what he wants to do, then it's a problem. And like my opinions on matters of things are not really

• 5:30Speaker 03

  perceived well.

• 5:32Caleb Hammer?

  Perceived well?

• 5:33Speaker 03

  Accepted.

• 5:34Caleb Hammer?

  What does that mean? What happens? When you have an opinion, what happens?

• 5:38Speaker 03

  It's not a good one.

• 5:39Caleb Hammer?

  Okay, and that might be the case, but like what happens when you have an opinion, though?

• 5:43Speaker 03

  Gets shut down.

• 5:45Caleb Hammer?

  You're just shutting her down?

• 5:46Speaker 02

  Sometimes I'll tell her why it's not a good opinion.

• 5:51Caleb Hammer?

  You can't even look at her.

• 5:52Speaker 03

  Yeah, what's going on? Hello?

• 5:55Speaker 02

  Because...

• 5:55Caleb Hammer?

  Now he just forcefully did.

• 5:57Speaker 03

  No, that's usually how it goes.

• 5:59Speaker 02

  Because like she'll look at me like super sad whenever I tell her no and then I just have to look up at the face and I'm like... And then I feel bad for telling her no or not agreeing with what she wants me to agree with. So sometimes it's just easier if I just look at the ceiling.

• 6:11Speaker 03

  It's not sad, it's mad.

• 6:13Speaker 02

  Yeah, sometimes you look mad and I don't like you looking mad, so... Yeah, so like I'll tell her that it's not a good idea because of X, Y, and Z or sometimes I'll just straight up just tell her no and...

• 6:25Caleb Hammer?

  Okay, but you go do things, whether or not she says yes or no. Is this an understood dynamic in the house? That he can just do whatever?

• 6:33Speaker 03

  No.

• 6:34Caleb Hammer?

  Okay, then what the [bleep] like, like? What do I do?

• 6:38Speaker 03

  Well, like, okay, for example, I didn't know that you were going to have to give

• 6:45Speaker 03

  [bleep] this [bleep] money for that trip that you guys took to go to that meet. That was completely not told to me. I knew that it was outside of the school. I don't know.

• 6:57Caleb Hammer?

  You don't even know the number?

• 6:58Speaker 03

  No, he didn't tell me. He just like, he told me...

• 7:00Caleb Hammer?

  What was that? Is that a kid?

• 7:01Speaker 03

  Huh?

• 7:02Caleb Hammer?

  Is that a kid? Y'all's kid?

• 7:03Speaker 03

  His friend. No, we don't have kids.

• 7:04Caleb Hammer?

  You're giving friend money?

• 7:04Speaker 03

  No, because they went, they went on a trip for a competition and...

• 7:10Caleb Hammer?

  You're competing in?

• 7:11Speaker 03

  He's a, he's a coach.

• 7:12Speaker 02

  What does that mean?

• 7:13Caleb Hammer?

  Oh, she said competition.

• 7:16Speaker 03

  Yeah, yeah. His friend was competing.

• 7:17Caleb Hammer?

  What does it mean when I say what are you competing in?

• 7:19Speaker 02

  That's not what she said, though. You said what the [bleep] are you competing in?

• 7:21Caleb Hammer?

  Yeah.

• 7:22Speaker 02

  That's two different things, right?

• 7:23Caleb Hammer?

  No.

• 7:24Speaker 02

  No? Okay.

• 7:25Caleb Hammer?

  But now I know you're a coach, she said.

• 7:27Speaker 02

  Yeah.

• 7:28Caleb Hammer?

  So that would have been your answer, by the way.

• 7:30Speaker 03

  Anyway, so he went on this trip to watch his friend and his athlete compete. I didn't know that he was going...

• 7:36Caleb Hammer?

  Who are you coaching?

• 7:37Speaker 03

  College athletes.

• 7:39Caleb Hammer?

  What sport is it?

• 7:40Speaker 02

  Track.

• 7:41Caleb Hammer?

  Oh, okay.

• 7:41Speaker 03

  So he went to watch them compete. This was outside of his school, that what the school pays for, like their competitions. And then he calls me when he's there and he tells me like, oh, we went to the casino. Good thing I won $100 so I can pay him back for the trip. And I was like, cool.

• 7:56Caleb Hammer?

  So you're going to just gamble? You weren't watching, you weren't [bleep] recruiting?

• 7:59Speaker 02

  Okay, one. It was multiple things were being covered on the trip, like recruiting, coaching, and there's other professionals there. So it's like I'm learning from them also.

• 8:11Caleb Hammer?

  Okay, what grade do you coach?

• 8:13Speaker 02

  College.

• 8:14Caleb Hammer?

  Really?

• 8:15Speaker 02

  Yeah.

• 8:15Caleb Hammer?

  Division?

• 8:16Speaker 02

  One.

• 8:17Caleb Hammer?

  Really?

• 8:22Speaker 03

  Yeah, he's really good at it, too.

• 8:24Caleb Hammer?

  I don't want to get teaching.

• 8:25Speaker 02

  I don't teach anything.

• 8:26Caleb Hammer?

  Coaching, coaching, coaching, sorry.

• 8:27Speaker 02

  Shot put, discus.

• 8:30Caleb Hammer?

  Okay, that fits your body type a little more. That makes more sense, because I knew you weren't running. Okay. Okay.

• 8:36Speaker 02

  I mean, there's people like, you don't have to look exactly like what you do, right?

• 8:39Speaker 03

  You know what to do.

• 8:40Caleb Hammer?

  Well, I know, but you do fit that mold, though.

• 8:42Speaker 02

  Okay.

• 8:43Caleb Hammer?

  Shot put, right? Wouldn't you say?

• 8:44Speaker 02

  Yeah.

• 8:44Caleb Hammer?

  I'd say versus the [bleep] printer.

• 8:47Speaker 02

  Yeah, yeah, yeah.

• 8:48Caleb Hammer?

  Okay?

• 8:48Speaker 02

  Gotcha.

• 8:49Caleb Hammer?

  You gonna be okay with that? You'll be fine.

• 8:52Speaker 02

  So, hold on, wait. And so, yes, we went to casino, but only went to the casino because I had never went there before and so whenever you sign up, you get the free play money.

• 9:02Caleb Hammer?

  What conference?

• 9:04Speaker 02

  Oh, is the, uh, L E N? Like, do we compete?

• 9:07Caleb Hammer?

  Yeah.

• 9:08Speaker 02

  The Southland?

• 9:09Caleb Hammer?

  Southland?

• 9:11Caleb Hammer?

  Okay, that's not SEC, that's not...

• 9:13Speaker 02

  No.

• 9:13Caleb Hammer?

  That's not Sun Belt, that's not...

• 9:16Speaker 02

  It's not of the power fours. It's like a...

• 9:18Speaker 00

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

• 9:48Speaker 02

  Like a mid-major and there's like one right below that.

• 9:52Caleb Hammer?

  Because down here, there's Sun Belt. It's below Sun Belt? But it's D1?

• 10:00Speaker 02

  So I wouldn't...

• 10:02Caleb Hammer?

  Okay, what do you make? Must not be much at that point.

• 10:07Speaker 02

  Like I bring.

• 10:08Caleb Hammer?

  Ah, that makes sense. It's more of a volunteer position.

• 10:12Speaker 02

  I would say upgraded volunteer.

• 10:15Caleb Hammer?

  Okay, and are you sure it's D1?

• 10:17Speaker 02

  Yeah.

• 10:18Caleb Hammer?

  How often do you guys win?

• 10:19Speaker 02

  Uh, well, all of our sports aren't the best.

• 10:22Caleb Hammer?

  Okay.

• 10:23Speaker 02

  But the track team is the best out of all of them.

• 10:25Caleb Hammer?

  Out of all the shit?

• 10:27Speaker 02

  Well, we went to regionals. So like right before those nationals, there's regionals and we have athletes that go to regionals.

• 10:33Caleb Hammer?

  Went to regionals?

• 10:34Speaker 02

  Mm-hmm.

• 10:35Caleb Hammer?

  Just went. Okay, very good.

• 10:36Speaker 03

  Didn't you have some athletes win at regionals?

• 10:39Speaker 02

  Yeah, so like.

• 10:40Caleb Hammer?

  What do you make, Sebastian?

• 10:42Speaker 02

  Uh, twenty-four hundred a month?

• 10:45Speaker 03

  No, it's less than that.

• 10:47Caleb Hammer?

  Do you want Coach making?

• 10:49Speaker 03

  No, here, the paycheck comes in as twenty-one, I thought.

• 10:53Speaker 02

  Oh, that twenty-one?

• 10:54Speaker 03

  Yeah.

• 10:54Caleb Hammer?

  Are you sure it is D1? Do you even know? It's below Sunbelt?

• 10:58Speaker 03

  It's D1. It just, it sucks. It's shitty pay.

• 11:01Speaker 02

  Yeah, it's just.

• 11:02Caleb Hammer?

  No, I, well, yes, that is true. She's saying it's below twenty-four.

• 11:06Speaker 03

  After taxes, uh, what hits his account is twenty-one.

• 11:10Caleb Hammer?

  Oh, my gosh, guys, how are you surviving on four thousand one hundred dollars a month?

• 11:14Speaker 03

  Busting my ass.

• 11:15Speaker 02

  Burly.

• 11:15Caleb Hammer?

  No, you're not. You're making even less.

• 11:17Speaker 03

  No, I do extra stuff. I bring in extra money. I have to.

• 11:22Caleb Hammer?

  Now you're making two. So, okay, yeah, sure. So what's this extra you're doing?

• 11:28Speaker 03

  I'm trying to start up a business.

• 11:31Caleb Hammer?

  Okay, that's not doing extra. You're trying to do extra. That's. Okay, who are you coaching for no pay?

• 11:37Speaker 03

  Hello, well, um, no, I'm.

• 11:38Caleb Hammer?

  You just audibly said LOL.

• 11:42Caleb Hammer?

  Like, like from your mouth.

• 11:44Speaker 03

  In my head.

• 11:44Caleb Hammer?

  You're twenty-nine. Okay, me. Yeah, what do you make?

• 11:50Speaker 03

  Well.

• 11:50Caleb Hammer?

  Or what do you do? What are you trying to do? What the are we talking about?

• 11:54Speaker 03

  Coffee cart business?

• 11:56Caleb Hammer?

  Yeah, there's definitely no coffee. That's not a crowded market at all. Okay, so what's so special about your coffee cart?

• 12:03Speaker 03

  Actually, a lot is special about it.

• 12:05Caleb Hammer?

  Of course, I'm sure, yeah.

• 12:06Speaker 03

  Yes.

• 12:07Caleb Hammer?

  What is there? Vanilla and mocha?

• 12:11Speaker 03

  I should have brought some.

• 12:12Caleb Hammer?

  Caramel?

• 12:13Speaker 03

  No, actually, no, none of that. My best sellers are cajeta crunch.

• 12:18Caleb Hammer?

  The fuck do you call me?

• 12:21Speaker 03

  Cajeta crunch.

• 12:23Caleb Hammer?

  What is that?

• 12:23Speaker 03

  So I, I infuse culture into my coffee. So all of my coffee.

• 12:28Caleb Hammer?

  Kill myself. You infuse culture? No, just tell me what the fucking flavors.

• 12:33Speaker 03

  Well, cajeta crunch. A cajeta is like caramel, but not, it's made with goat's milk.

• 12:37Caleb Hammer?

  As I said.

• 12:38Speaker 03

  And it's like burnt, so it has deeper flavors.

• 12:42Caleb Hammer?

  Okay, great. And your next best seller?

• 12:45Speaker 03

  Pistachio. Pistachio.

• 12:47Caleb Hammer?

  I mean, I love it. I get pistachio lattes when it's on the menu, so it's, yeah, it is yummy.

• 12:52Speaker 03

  Yeah, I do. Um, I just do like a different twist to like what.

• 12:56Caleb Hammer?

  Well, no, pistachios everywhere.

• 12:58Speaker 03

  But it's different. So my coffee.

• 13:00Caleb Hammer?

  Or does this one burn as well?

• 13:02Speaker 03

  No.

• 13:02Caleb Hammer?

  Hmm, burnt.

• 13:03Speaker 03

  No. Only cajeta is good burnt.

• 13:06Caleb Hammer?

  Okay, so what's different about your pistachio?

• 13:08Speaker 03

  Well, so like the coffee that I use, I use cold brew. I make it myself.

• 13:12Caleb Hammer?

  Yeah, no word does cold brew.

• 13:15Speaker 03

  Okay, everyone does cold brew, blah, blah, blah.

• 13:17Speaker 02

  Your beans are different.

• 13:18Speaker 03

  My beans, okay? I get my beans directly sourced from Honduras. I'm Honduran, so I'm bringing my culture into it. It's really high quality beans. I know all other coffee places use high quality, blah, blah, blah, but I do too. And it's catered for experiences, like doing events, weddings, quinceañeras, things like that. It's starting, so I'm breaking even.

• 13:37Caleb Hammer?

  Okay, see, so shut the up. Come on.

• 13:41Speaker 02

  You can't tell someone to shut up when you ask them what do they do?

• 13:44Caleb Hammer?

  I can do when they give a good answer.

• 13:46Speaker 03

  It's not, it's literally how it works. I literally, I'm starting my business. It's growing. I'm at a point where I'm breaking even. I'm not losing money anymore, although I still have to pay back money that I did lost.

• 13:57Caleb Hammer?

  What? No, what?

• 13:59Speaker 03

  What?

• 13:59Caleb Hammer?

  No, tell me what?

• 14:00Speaker 03

  So like I took out, uh, like a firm in order to invest.

• 14:06Caleb Hammer?

  Affirmed for your business?

• 14:07Speaker 03

  What else was I gonna do?

• 14:09Caleb Hammer?

  Small business loan?

• 14:13Caleb Hammer?

  Oh, you.

• 14:16Caleb Hammer?

  Oh, my goodness, that's insane. Affirming your startup costs is crazy.

• 14:20Speaker 03

  But it wasn't that, it wasn't that much. It's not like I'm starting up ten thousand dollars, two thousand.

• 14:26Caleb Hammer?

  Okay, I mean, that's a lot of money to be putting on a firm when that shit can accrue like a thirty-five percent interest depending on what you got. This stack of paperwork is huge. You guys make no money. So you can't even tell me you're making money from this, right? Your special Honduras pistachio, pistachio? You will, great. Well, I can't calculate your will. I can only calculate what you're doing. How long have you been doing cart?

• 14:46Speaker 03

  Uh, four months?

• 14:49Caleb Hammer?

  Go fuck yourself. What the fuck are we doing? You haven't made a dime? What are we doing? Okay, so this is pathetic.

• 14:55Speaker 03

  Well, like the first two months was just.

• 14:57Caleb Hammer?

  Are you gonna go work for a real school someday?

• 14:59Speaker 02

  Yeah, that's the goal. Uh, given a couple more years.

• 15:03Caleb Hammer?

  I don't think so now with your track record. Doesn't sound like you guys do very well.

• 15:05Speaker 02

  I just said we're doing the best.

• 15:07Caleb Hammer?

  Out of all the shit?

• 15:08Speaker 02

  Well, I just.

• 15:09Speaker 03

  And like in his, he does really well.

• 15:11Speaker 02

  So like before you go to nationals, you go to regionals, right? I mean, you don't know that.

• 15:15Caleb Hammer?

  Go to nationals?

• 15:17Speaker 02

  There's a lot of people who don't go to nationals. We're basing everything off of nationals. There's lots of people who don't go to nationals.

• 15:21Caleb Hammer?

  Did you go to nationals?

• 15:22Speaker 02

  No.

• 15:22Caleb Hammer?

  Well, that's what you're just trying to set up.

• 15:24Speaker 02

  I'm just saying, like you were talking about other schools, like you were naming other conferences in Texas. I'm just saying we did other, better than other schools in Texas that from conferences you've heard of.

• 15:32Caleb Hammer?

  Okay, nearly seven percent of, uh, imported coffee beans come from Honduras anyway, so.

• 15:36Speaker 03

  That's a low percentage.

• 15:38Caleb Hammer?

  I guess, but it's not as like hardcore, unique as like you're trying to make it sound. I thought this was gonna be like, ooh, less than one percent. Like this is gonna be crazy.

• 15:45Speaker 03

  I don't know. I don't have that kind of money to invest on that kind of crazy sourced stuff.

• 15:52Caleb Hammer?

  Okay, well, listen, I love the entrepreneurial mindset. I'm not, I don't wanna shit on that completely, but all I know is you guys do not make much money.

• 15:59Speaker 03

  Yes.

• 15:59Speaker 02

  Yep.

• 16:00Caleb Hammer?

  And you guys fight about everything regarding finances anyway. It's like you can't do things, he does whatever he wants. So it's just like, is this what we should be doing in general? And I know from the pre-interview and everything that of the venture you're doing, he's kind of growing resentful of, kind of defending you right now a little maybe because he's on camera and another dude's calling her out, but he was fully resentful. Why?

• 16:20Speaker 02

  I was resentful?

• 16:21Speaker 03

  You don't think I do enough. He doesn't think I do enough. I don't know what else he wants me to do.

• 16:24Speaker 02

  When it comes to that, yeah, I don't think she does enough, but in terms of being.

• 16:28Caleb Hammer?

  What do you mean?

• 16:28Speaker 02

  I think there's no, she gonna be doing more on the creative side in terms of putting her face out there for more businesses or people to see her.

• 16:36Speaker 03

  But he wants me to post more. Yeah, I should be posting more, but I genuinely like sometimes don't have the time, mental capacity to be worried about a post and like making it perfect and all these things. He doesn't think I'm doing enough. I'm doing as much as I can with my capacity, with my capabilities for my business, but he doesn't think I'm doing enough.

• 16:54Caleb Hammer?

  But I mean, you don't care about her pursuing this, do you?

• 16:57Speaker 02

  I do.

• 16:59Caleb Hammer?

  What do you mean? Like, in what way?

• 17:01Speaker 02

  So I want this to be something that turns into something successful. Like I've reached out to people to have her set up her coffee cart at events that are going on at the school. I let her know other things that are going on.

• 17:14Caleb Hammer?

  Okay, that's fine. But what is she doing? Because again, in the pre-interview, like I mean, I was literally told that it was a therapy session, a full on like crazy therapy session your entire pre-interview.

• 17:24Speaker 02

  So like there's the posting thing that she doesn't do enough of. Then I tell her, I was like, she needs to get in front of people and not everything can be done just on social media. So like there's plenty of businesses around where we live. There's neighborhoods, there's apartment complexes, there's just people in our area that she can put a face.

• 17:41Caleb Hammer?

  I mean, yeah, that might be good for business. Um, and you can give advice, but is she, does she want the advice?

• 17:47Speaker 02

  I think she just wants the advice to say that we communicate. I don't think she actually wants to listen or do what I say.

• 17:53Speaker 03

  Can it be tangible advice? Because when am I gonna have the time to go put my face in front of businesses, to go pitch myself to people when I literally have to have this full-time job that I don't want to have, but I have because we need to pay bills? You know, like you want me to do a hundred percent in these two things, but there's not enough time in the day.

• 18:14Speaker 02

  You just got your nails and had brunch all day on Monday.

• 18:17Speaker 03

  Which literally was planned. It was planned so far in advance.

• 18:21Speaker 02

  You can plan to do that, but you can't plan to do the stuff that needs to be done for the business to succeed.

• 18:28Speaker 03

  I do make plans for the business.

• 18:29Caleb Hammer?

  How much are you helping for her business? Do you help a lot?

• 18:33Speaker 02

  I think so.

• 18:37Speaker 02

  Mom, look at me.

• 18:41Caleb Hammer?

  Okay, I mean, you don't have to. I'm just curious because if she's like, if she's not putting this time and energy into things that you think she should be doing, are you stepping up and having to take care of things that she's not?

• 18:51Speaker 02

  Yeah, so I mean, like outside of more stuff around the house, I mean, do more stuff around the house, but I help with the coffee carts now that my season, my school year is done. So I do things like that.

• 19:02Caleb Hammer?

  How many events has she done in this four months?

• 19:07Speaker 02

  Four?

• 19:08Caleb Hammer?

  What the?

• 19:08Speaker 03

  Five, six.

• 19:09Speaker 02

  Five?

• 19:10Caleb Hammer?

  Oh, come on. In four months, like, come on. That's pathetic.

• 19:13Speaker 03

  And I have already set up like twenty.

• 19:17Caleb Hammer?

  Twenty over the course of what? Contract signed?

• 19:20Speaker 03

  In the next month.

• 19:20Caleb Hammer?

  Contract signed?

• 19:21Speaker 03

  In a half.

• 19:22Caleb Hammer?

  Contract signed?

• 19:23Speaker 03

  Yeah, if that's what you want to call it.

• 19:24Caleb Hammer?

  No, I would say, did they sign the contract?

• 19:27Speaker 03

  Yes, yes.

• 19:27Caleb Hammer?

  Oh, you paid to be in the events. Oh, so it's not they did not hire you for it. You're just paying.

• 19:32Speaker 03

  I'm doing a wedding.

• 19:32Caleb Hammer?

  Do you have a website?

• 19:34Speaker 03

  I have my Instagram account.

• 19:35Caleb Hammer?

  Okay.

• 19:36Speaker 03

  I don't know.

• 19:36Caleb Hammer?

  Give me your phone. Open your phone. What the are we doing? So you don't have a website? Okay. So how much time are you having to spend helping her with this shit then? Which again, you can do, but it sounds like she doesn't want the advice. Sounds like she wants to be independent on this.

• 19:49Speaker 02

  I don't think I spend too much, but in terms of like the posting and stuff, I spend almost as much time on my own stuff as I do on hers. So I'm

• 19:58Caleb Hammer?

  Really?

• 19:58Speaker 02

  I'm sending her stuff all the time in terms of

• 20:02Caleb Hammer?

  Which again, you can do, but does she want the, do you want that? Do you, do you want him to do that?

• 20:07Speaker 03

  I want.

• 20:08Caleb Hammer?

  Well, you can't say you have no time. You spend an average of almost basically five hours a day on the phone. That's this week. Last week it was over six hours.

• 20:15Speaker 03

  I spend my, when I'm at work.

• 20:17Caleb Hammer?

  You're on your phone at work. You're serving. I thought you were supposed to be making money.

• 20:20Speaker 03

  Whenever it's dead and there, we'll have hours. We'll have like a busy hour and then we'll be dead for like two hours because it's still a new restaurant. I'm just on my phone. What else am I gonna do?

• 20:27Caleb Hammer?

  Well, it's Instagram eight hours a day.

• 20:29Speaker 03

  Okay.

• 20:30Caleb Hammer?

  Okay. Texting six hours a day. Facebook for four hours a day. What are you doing on Facebook for four hours a day? At that point, you should have a website. At that point, you should have a website. You should be managing things. You should be doing a lot of things. If you're on it that much. TikTok two hours a day. You posting coffee?

• 20:46Speaker 03

  No.

• 20:47Caleb Hammer?

  Okay, then what the are we doing? So that is time you could be doing stuff. Now, the thing is, the thing is, if you don't want to, that's fine. But it sounds like he has a problem with it. And do you agree or disagree? Like, I don't

• 20:57Speaker 03

  I, it's not, I overthink. Here's my thing. Whenever it comes to like posting stuff, I overthink it so much. I have so many things on Canva that I've like created, but then I'm like, it's not perfect. And I told them, I'm like, if you have this much of an issue and like the way that I would want you to help instead of half ass just saying like, this is what you should be doing. And like, I send you stuff. Like, why don't you, can you, we just log in on your phone and can you just post the stuff that you create? Because I don't want to be overthinking like whether this is perfect for me.

• 21:23Caleb Hammer?

  Do you want him to help with the business or not? That's what I'm confused.

• 21:25Speaker 03

  I want him to help full in if he's full in or be in or be out.

• 21:28Caleb Hammer?

  Okay, what's your take?

• 21:28Speaker 02

  So part of like all of this is that, so we down, we have one car now. And so we rely heavily on this one car to transport and to get to the events that we need to get to. So I, we said, the agreement was I'm gonna, I have to stop Ubering because we can't just be putting the miles on the car. And then plus where we live, we have to drive out maybe like fifteen, twenty minutes to actually get orders or people that need to get going. So I had to stop doing that.

• 21:53Caleb Hammer?

  Are you in or out though?

• 21:55Speaker 02

  I

• 21:55Caleb Hammer?

  I wanted to know the perspective on what she said.

• 21:57Speaker 02

  I'm in.

• 22:01Caleb Hammer?

  Do you, and you want him to be in?

• 22:02Speaker 03

  Why won't you log in on your phone and just post? Just do the thing that I'm not good at. I suck at it. I overthink it. It stresses me out.

• 22:09Caleb Hammer?

  Then why are you doing it?

• 22:11Speaker 03

  I, I love doing the events, being there, doing it. But the social media part.

• 22:16Caleb Hammer?

  Well, that's a part of running a business. Work for someone else that has a

• 22:19Speaker 03

  I have a husband who's amazing at it and he can be in it and he can help me in that way.

• 22:23Caleb Hammer?

  Can he though? Can he all the way though? I don't know.

• 22:27Speaker 03

  Literally, all he has to do is log in and post the things that he makes.

• 22:30Caleb Hammer?

  So it's your dream, but you expect him to do your dream?

• 22:33Speaker 03

  If he's gonna be that opinionated on what I'm doing right or wrong, then be in it. Support me.

• 22:39Speaker 02

  I don't think it's right or wrong. It's, you're not doing what needs to be done to promote the business in the way that makes us money. Like, I had to give up what I was doing that was giving us extra money so we could have

• 22:49Speaker 03

  Barely giving us money. It was wear and tear on the car. It really wasn't even doing much.

• 22:53Speaker 02

  Right, but it was more money in the bank account. I understand that it was wear and tear on the car. But I didn't have to ask you for money because I was doing that. Now I'm having to ask you for money. My accounts weren't going negative. Now they're going negative.

• 23:04Caleb Hammer?

  They're making money so far, right?

• 23:07Speaker 03

  I will make money this month.

• 23:08Caleb Hammer?

  Okay. How's the marriage?

• 23:11Speaker 02

  Fine.

• 23:13Speaker 03

  It's ups and downs.

• 23:14Caleb Hammer?

  Not based on the face she gave.

• 23:16Speaker 03

  It's ups and downs.

• 23:17Caleb Hammer?

  Tell me.

• 23:18Speaker 03

  I think it's been hard to recover since last year. Um, and

• 23:22Caleb Hammer?

  What was last year?

• 23:25Speaker 03

  What was last year?

• 23:29Speaker 02

  You know, we went through a

• 23:31Caleb Hammer?

  I don't know shit, dude.

• 23:32Speaker 02

  A separation.

• 23:34Caleb Hammer?

  Oh, you guys were separated last year.

• 23:36Speaker 03

  And then we came back strong and it was great and everything. And then it just feels like it's like

• 23:41Caleb Hammer?

  Going towards separation again?

• 23:42Speaker 03

  No, not, not to that extent because I feel like I wouldn't just quit on us.

• 23:49Caleb Hammer?

  What was the separation? How long have you guys been married?

• 23:51Speaker 03

  Two and a half.

• 23:53Caleb Hammer?

  But we were separated last year? So in our marriage?

• 23:55Speaker 03

  Uh huh.

• 23:56Speaker 02

  Yeah.

• 23:57Caleb Hammer?

  How long?

• 23:57Speaker 02

  Five, six months. Yeah.

• 24:01Caleb Hammer?

  So you're thinking divorce?

• 24:02Speaker 02

  Yeah, I was.

• 24:04Caleb Hammer?

  How close were you guys to divorce?

• 24:06Speaker 03

  For

• 24:06Speaker 02

  Oh, how close? I was all the way in. I was

• 24:09Caleb Hammer?

  Wait, were paying for what?

• 24:11Speaker 03

  He's still paying. He has a payment plan for all the divorce stuff that he had.

• 24:15Caleb Hammer?

  You were going through a divorce?

• 24:16Speaker 02

  Yeah. Yeah. So like it first started off as a separation and then it just, I was like, yeah, let's just do the divorce.

• 24:23Caleb Hammer?

  Oh.

• 24:24Speaker 03

  Let's just give up.

• 24:26Caleb Hammer?

  Well, what was, what are you, I mean, are you holding resentment?

• 24:29Speaker 03

  I was fighting for a marriage. I was literally trying to do therapy, trying to do everything.

• 24:34Caleb Hammer?

  Why were you out?

• 24:35Speaker 02

  I just felt like I had to do a lot of things to babysit us in terms of making sure that all of the job stuff was taken care of.

• 24:44Caleb Hammer?

  That's kind of what I'm hearing today again.

• 24:46Speaker 02

  Yeah.

• 24:46Caleb Hammer?

  Based on your critique of how she's running her thing that isn't bringing money, but takes all her time.

• 24:51Speaker 02

  Yeah.

• 24:51Caleb Hammer?

  Okay, so go on. Sorry, you weren't

• 24:53Speaker 02

  Yeah, so we were working together and I think that was a bigger stress. So like I had to make sure that she was doing her job so that way I could do my job. And then it wasn't affecting both of us because if one of us got fired, then we're both pretty much gonna get fired or we weren't gonna be able to do it together. Um, and then just, and then I ended up getting a speeding ticket. So that stopped me from being a truck driver. And then, so that's whenever I started coaching and then she wasn't loving truck driving by herself. That ended up being like a whole

• 25:21Caleb Hammer?

  What the? So you guys were probably making more money. Truck drivers make money. You guys make nothing. Someone go be a truck driver today.

• 25:27Speaker 03

  I can't.

• 25:27Caleb Hammer?

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• 26:12Caleb Hammer?

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• 26:57Caleb Hammer?

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• 27:38Caleb Hammer?

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• 27:47Speaker 03

  Um, when I

• 27:50Speaker 03

  Was truck driving alone. I ended up driving for a local company, doing like rock hauling and stuff. I was making like $2,000 a week. It was crazy.

• 27:59Caleb Hammer?

  Yeah, truck is money.

• 28:00Speaker 03

  I was working like 15 hours a day, waking up at 2:00 AM. We were going through the separation and divorce. I wasn't sleeping. I wasn't like okay mentally, like I was not being a safe driver.

• 28:12Caleb Hammer?

  Oh, what happened? What did you do?

• 28:14Speaker 03

  So in a span of two weeks, a lot.

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• 28:47Speaker 03

  Yeah.

• 28:48Caleb Hammer?

  What?

• 28:49Speaker 03

  Okay, so first, I got a speeding ticket, the same one that he got. Actually, it was really funny. It was a miles over.

• 28:54Caleb Hammer?

  What are we doing, guys? You're professional drivers.

• 28:57Speaker 03

  Yes.

• 28:58Speaker 02

  Clearly not.

• 28:58Speaker 03

  I was.

• 28:59Caleb Hammer?

  Pathetic.

• 29:00Speaker 03

  I was not okay.

• 29:00Caleb Hammer?

  Putting other people's lives at risk, those multi-ton vehicles. What are you doing? So speeding ticket? What else? You're making it sound like more.

• 29:06Speaker 03

  Okay, well, the other things that happened with the truck, it was with my personal car.

• 29:09Caleb Hammer?

  What?

• 29:09Speaker 03

  I hit some animals on the road.

• 29:12Caleb Hammer?

  Were they just sprinting across the road or what?

• 29:14Speaker 03

  Yeah, yeah.

• 29:14Caleb Hammer?

  Who'd you hit?

• 29:15Speaker 03

  It was like a coyote.

• 29:17Caleb Hammer?

  Okay.

• 29:18Speaker 03

  The dog.

• 29:19Caleb Hammer?

  A dog? What's wrong with you? You're evil.

• 29:22Speaker 03

  I'm not evil.

• 29:24Caleb Hammer?

  Sounds like it.

• 29:25Speaker 03

  I didn't try to.

• 29:25Caleb Hammer?

  All in two weeks, come on, hitting multiple animals and a speeding ticket.

• 29:29Speaker 03

  I was checked out of life.

• 29:30Caleb Hammer?

  Well, guess what? And then you made other living things actually check out of life against their consent.

• 29:35Speaker 03

  By myself, like shit. I was going through panic attacks every day. I was in the emergency room like three different times.

• 29:41Caleb Hammer?

  And why are you driving?

• 29:42Speaker 03

  I was fainting.

• 29:43Caleb Hammer?

  Then why are you driving?

• 29:44Speaker 03

  I had to. He left. He left.

• 29:47Caleb Hammer?

  Uber! If you're fainting, Uber.

• 29:49Speaker 03

  There's no Uber's around.

• 29:52Caleb Hammer?

  You're being selfish to that point, and the selfishness had consequences.

• 29:55Speaker 03

  Anyways, I ended up having a car.

• 29:56Caleb Hammer?

  Of a dog.

• 29:57Speaker 03

  The truck.

• 29:58Caleb Hammer?

  Huh?

• 29:58Speaker 03

  I had an accident with the truck. It was a small accident, but that's what got me fired.

• 30:02Caleb Hammer?

  No accountability either. It's all excuses for it.

• 30:06Speaker 03

  It's the reality.

• 30:07Caleb Hammer?

  It is the reality that you chose to do.

• 30:10Speaker 03

  I didn't choose for my husband to leave me and put me through the emotional turmoil that I was in.

• 30:14Caleb Hammer?

  Hard times, you were going to the emergency room, you were fainting? If that is happening, do not get behind the wheel no matter what.

• 30:22Speaker 03

  What was I supposed to do to make?

• 30:23Caleb Hammer?

  Not do that because you're gonna get people killed.

• 30:25Speaker 03

  Okay.

• 30:26Caleb Hammer?

  That's all that matters in the end, is a human life.

• 30:28Speaker 03

  Yeah, which is.

• 30:29Caleb Hammer?

  Yes, you're a selfish bitch.

• 30:31Speaker 03

  Okay, well, if I didn't get fired, I was gonna quit because I was like, I can't keep doing this shit, obviously. I wasn't okay, okay? I wasn't thinking properly.

• 30:39Caleb Hammer?

  Oh, yeah, we know that.

• 30:40Speaker 03

  Clearly.

• 30:41Caleb Hammer?

  No shit, selfish.

• 30:42Speaker 03

  Okay.

• 30:43Caleb Hammer?

  Come on.

• 30:44Speaker 03

  I got fired. I have an accident in my record, so I can't be hired for like three years or something.

• 30:48Caleb Hammer?

  Good, you deserve it. Never put you behind the wheel again. I'm nervous that you guys.

• 30:51Speaker 03

  I don't want to anyways. Doesn't matter anyway.

• 30:53Caleb Hammer?

  Yeah, insane.

• 30:54Speaker 02

  But we should maybe figure something else so we can make money. So I'm okay if someone of us does maybe get back at the truck driving.

• 30:59Caleb Hammer?

  No, you guys are dangerous. Absolutely not. You need other jobs.

• 31:02Speaker 03

  Well, his ticket was stupid. He shouldn't have gotten that.

• 31:04Caleb Hammer?

  Listen, I'll get you a course career certification. People in the audience have used those up for both of you. I don't know, because this coaching thing isn't working. For both of you.

• 31:11Speaker 03

  It's his dream job.

• 31:12Caleb Hammer?

  I don't give a Why would I give? You need to put food on the table. I don't care. Do you have kids?

• 31:16Speaker 03

  Well, I understand, but if we can find some.

• 31:17Caleb Hammer?

  You have kids? No! Then I don't, then, okay, then you have a little more flexibility. But I'll get you course scores again. A lot of people in the audience have converted them into sick-figure jobs, okay? Okay?

• 31:28Speaker 03

  Okay.

• 31:29Caleb Hammer?

  What? What do you want?

• 31:32Caleb Hammer?

  Oh, shit. Okay, so, okay. Okay, you were, you were one quarter day away from actually finalizing the divorce.

• 31:40Speaker 02

  Yeah.

• 31:40Caleb Hammer?

  Why the didn't you?

• 31:41Speaker 02

  I, I realized my biggest thing was I wasn't feeling listened to.

• 31:44Caleb Hammer?

  Guys, you brought that up at the beginning of this conversation that you're still not being listened to.

• 31:48Speaker 02

  Yeah.

• 31:49Caleb Hammer?

  So I don't think anything's been solved.

• 31:52Speaker 02

  Yeah.

• 31:53Caleb Hammer?

  So what? Tell me.

• 31:54Speaker 02

  So I think, I felt like I was finally being listened to in this, and then.

• 31:58Caleb Hammer?

  Temporary.

• 31:59Speaker 02

  Yeah.

• 32:00Speaker 03

  And then when I gave up and I finally signed the papers, because I was like, I can't keep going through this. If he doesn't want me, he doesn't want me. Let me just sign your papers. Here you go. Do whatever you want with your life. He, he all of a sudden felt like that was enough to.

• 32:13Caleb Hammer?

  Regret? No, not regret. Really? Because it doesn't sound like things are better based on what you've said in this conversation.

• 32:19Speaker 02

  Well, like, there was a time whenever things were getting better, like she was being more responsible, more on top of things.

• 32:24Caleb Hammer?

  Yes, there was a time, but it's, it's not today.

• 32:26Speaker 03

  I'm just not enough. I'm never gonna be enough.

• 32:28Speaker 02

  Why do you have to be so dramatic about it?

• 32:30Speaker 03

  No, because that's literally how you make me feel all the time. Because it's like a roller coaster where like, if I'm not at my 100% best, then I'm not enough. But I can't always be at my 100% best.

• 32:40Speaker 02

  There is an in-between of like 50% and 100%.

• 32:43Speaker 03

  But you're not okay with that.

• 32:45Caleb Hammer?

  You're not doing 100 and you're barely at 50.

• 32:50Caleb Hammer?

  Right?

• 32:50Speaker 03

  No.

• 32:51Caleb Hammer?

  Okay.

• 32:52Speaker 03

  Emotional.

• 32:53Speaker 02

  Can you say that there's more things that you could be doing?

• 32:55Speaker 03

  There's a few more things that I could be doing, yes. That's, there's always gonna be more that I could be doing. But I'm like always exhausted. I'm mentally exhausted. I'm depressed.

• 33:04Speaker 02

  Like, you're always exhausted. That's just part of being a grown-up. Like, that's being an adult. And like, I don't understand. Like, that's why I get so angry and like, I just don't understand how the thought process of having a kid is possible if you're saying you're always tired.

• 33:16Caleb Hammer?

  That can't be a option if you're, oh, I'm depressed and tired. I can't do anything. My life sucks.

• 33:21Speaker 03

  Right now.

• 33:22Caleb Hammer?

  So you want a third?

• 33:23Speaker 03

  No. What are you talking about?

• 33:25Caleb Hammer?

  A kid?

• 33:27Speaker 03

  Third. I want, no, I want to set us up to be at a point where we can have.

• 33:32Caleb Hammer?

  A month. He has a joke of a job. It's a hobby. And you, oh, I don't even know. It's just pathetic. I mean, you're horrible behind the wheel, getting people killed. You should have been arrested. Like, what the is wrong with you?

• 33:44Speaker 03

  That's a little extreme.

• 33:45Caleb Hammer?

  Not really. You're putting people's lives in danger. Let's get you the off the road forever. Who the fuck are you?

• 33:50Speaker 03

  Off the road.

• 33:51Caleb Hammer?

  Well, she's off the road now, so.

• 33:52Speaker 03

  Yeah.

• 33:53Caleb Hammer?

  For even your own personal car?

• 33:54Speaker 03

  Yeah, I barely drive.

• 33:56Caleb Hammer?

  Oh, we definitely shouldn't let you in general going forward. That's for sure. So you, how the, how are you setting yourself up to have a kid? I don't see that happening. Look at the stack.

• 34:06Speaker 03

  With the business growing, it can get to the point where that will.

• 34:11Caleb Hammer?

  Dude, she hasn't made a dime. What the are you talking about?

• 34:13Speaker 02

  There's only, there's only one direction for it to go, and that's up.

• 34:16Caleb Hammer?

  No, it's not. It's at the bottom. No, no, there's another direction. She can default on her debt because you guys have so much debt and so much spending and bullshit. And then all of a sudden, whoopsie! We just don't even have money to even get the supplies needed to even go to these events and pay for the events and all these different things.

• 34:31Speaker 02

  I guess that is possible.

• 34:32Caleb Hammer?

  Yes, there's a lot of things. There's, you think businesses don't collapse overnight?

• 34:36Speaker 03

  No, they do.

• 34:36Caleb Hammer?

  This is a hobby. You have a hobby, you have a hobby. And the waitressing isn't doing shit.

• 34:41Speaker 03

  No, it's not doing shit. I wanted to stop waitressing. I had the opportunity to stop.

• 34:44Caleb Hammer?

  We're just waiting somewhere that makes more money, dude. No one's going to this place. Or it's just too cheap. Something's wrong.

• 34:50Speaker 03

  It's starting out. They don't even have their liquor license yet. Once they get their liquor license, more people will come in and it'll be better.

• 34:56Caleb Hammer?

  Why are you supporting them? There, it's a business. Go for a better business. You need to make more money.

• 35:00Speaker 03

  There's nothing else.

• 35:02Speaker 02

  In our town, there's nothing better.

• 35:03Speaker 03

  There's nothing, there's nothing better.

• 35:04Caleb Hammer?

  Then move to a place with opportunity.

• 35:06Speaker 03

  We can't sell the house yet.

• 35:08Caleb Hammer?

  You own a house. What is up with these people I'm talking to that are owning these houses in no opportunity areas? Why are you to do that?

• 35:15Speaker 03

  And we were making a lot of money.

• 35:16Caleb Hammer?

  You know why it's cheap? Because there's no opportunities.

• 35:18Speaker 03

  When we bought it, we were making a shit ton of money.

• 35:21Speaker 02

  There's a college in the town, so we thought that that was the opportunity.

• 35:25Speaker 03

  Yeah, we thought if we can't.

• 35:26Caleb Hammer?

  Is it the college you work at?

• 35:27Speaker 02

  Yeah.

• 35:28Caleb Hammer?

  Well, then clearly that college sucks in like every way possible.

• 35:32Speaker 02

  I mean.

• 35:32Caleb Hammer?

  If there's only our restaurants.

• 35:35Speaker 02

  It's not the best. It's the best restaurant there. There's just.

• 35:39Caleb Hammer?

  And yet it's like failing.

• 35:41Speaker 02

  They're brand new.

• 35:42Speaker 03

  They're starting out.

• 35:43Caleb Hammer?

  I come from a college town. Hundreds, if not at least a thousand restaurants.

• 35:50Speaker 03

  Did you come from a Bay College town? Because this is a small college town.

• 35:53Caleb Hammer?

  Also D1, and it's in the MAC conference, okay? Similar to the Sunbelt. And if that's doing better than your conference, then you need to give up.

• 36:02Speaker 02

  Can I give like another year or two before I give up?

• 36:04Caleb Hammer?

  Well, you make your money, and she wants to have a kid, and she's aging out, so.

• 36:08Speaker 03

  I am aging out.

• 36:09Speaker 02

  Yeah, but I'm older, so I feel like there's a little bit more.

• 36:12Caleb Hammer?

  What, what does that have to do with anything?

• 36:13Speaker 02

  Because if I can be patient and see, what's the aging out? How long do we have?

• 36:17Speaker 03

  Biological clock. Yours is fine. Mine is running out.

• 36:20Speaker 02

  So you're saying that like 32, you're done? You won't be able to?

• 36:22Speaker 03

  Probably. I don't, I already have issues.

• 36:25Caleb Hammer?

  Better, but they're, they're, I mean, you don't, you don't want to be, you want to be young and spry for the kids.

• 36:30Speaker 02

  Okay, and so then I have to get a job based on us having a kid. Which I understand, I have no problem doing. I can get.

• 36:38Caleb Hammer?

  Do you want to have a kid? I mean, you're a divorcee last year.

• 36:41Speaker 02

  Yes, I want to have a kid, but I don't want to be the only thing that's holding the household afloat. And that's where I feel like that's what it is.

• 36:49Caleb Hammer?

  Basically, his love language, by the way, as a coach. I mean, in the entire pre-interview, it's that like, working together, you two together and trucking showed who you really are. And he can't feel like he loves someone who isn't making their lives better. And that you guys aren't on the same page. You guys aren't on the same team. All this shit. And for someone like him who is a professional coach, that actually does matter. No shit, he would want to leave. Want to be with someone who's actually contributing.

• 37:16Speaker 03

  Yeah.

• 37:17Caleb Hammer?

  He looks down on you. You're not a provider. You don't do anything. Your business is a failure.

• 37:21Speaker 03

  It does feel like you look down on her.

• 37:23Caleb Hammer?

  You didn't say you look down on her, but everything you're saying is looking down on her.

• 37:27Speaker 02

  Oh, well.

• 37:27Speaker 03

  That is how I perceive it too, just so you know.

• 37:30Caleb Hammer?

  But that might not be invalid.

• 37:33Speaker 03

  No, I mean.

• 37:35Caleb Hammer?

  And he can't be with someone that he considers pathetic and not contributing to the relationship, to the partnership.

• 37:40Speaker 03

  Because I'm busting my ass to bring in the remaining money that we need.

• 37:44Caleb Hammer?

  Because you're busting your ass and only making 2,000 hours a month, meaning that it's actually worse, because there's people that are lazy that make more than you.

• 37:49Speaker 03

  Which is crazy. Oh, my God.

• 37:51Caleb Hammer?

  No, that just means you suck.

• 37:53Speaker 03

  Okay.

• 37:53Caleb Hammer?

  You're a horrible teammate.

• 37:55Speaker 02

  She used to be in like pharmaceutical sales, and I told her maybe we should have something we should try to get back into.

• 38:00Speaker 03

  I'm not gonna go back to that shit. I hated it. I hated it.

• 38:04Speaker 02

  Yeah, so you hate not making money now. You hate making money. At least money problems would be solved if you were doing that.

• 38:11Speaker 03

  More to life than just money, and I'm not gonna have a job where I'm hating myself because of the job that's so unethical that I'm having to do.

• 38:18Speaker 02

  Right, there's more to life than money, right?

• 38:20Caleb Hammer?

  There is. You guys have to pay the bills, and if you want kids, you need to be set up for it, and you guys have a lot of debt.

• 38:24Speaker 02

  And the number one reason why people get divorced is because of finances, right?

• 38:27Caleb Hammer?

  It's not the number one, but it is a leading cause.

• 38:29Speaker 02

  Okay, it's up there.

• 38:30Caleb Hammer?

  And if you allow, yes, but you almost got divorced already, guys. You got closer than any couple on this show. As far as I know.

• 38:36Speaker 03

  Gave up. He just wanted to give up and throw in the towel.

• 38:38Caleb Hammer?

  Necessarily giving up, like he accepted the L. And you guys are now. Like, you're, like, your relationship might not be a complete failure, but your finances are. And if that's a big part of it, if that's a big part of it, which it sounds like it is, like, yeah, maybe you guys did lose.

• 38:53Speaker 02

  Yeah, I would, that was my mindset for a bit.

• 38:55Speaker 03

  I just don't see how I don't do enough when I am working. I've always been working.

• 39:02Speaker 02

  How can you keep on saying you don't understand how you don't do enough, and then I'm giving examples of how you're not doing enough?

• 39:11Caleb Hammer?

  So again, in the, your like, pre-interview therapy session, he was saying, or that he always makes it feel like you're making him out to be the bad guy. Is that true?

• 39:24Caleb Hammer?

  That's what you said.

• 39:25Speaker 02

  Oh, me?

• 39:26Caleb Hammer?

  Yeah.

• 39:26Speaker 02

  Oh, yeah. I think if I don't agree with what she says, then I just turn into the bad guy. If I don't 100% support every single idea that she has, and then I'm just the negative Nancy that just poops on every plan.

• 39:39Caleb Hammer?

  And that's kind of crazy, because you're supporting his insane dream job that is bullshit, and he's supporting your insane dream job that is bullshit. You guys are supporting each other in your lunacy.

• 39:50Speaker 02

  But I, whenever I took the job, I was also Ubering to make up for money that we were needing.

• 39:54Caleb Hammer?

  High school coach.

• 39:55Speaker 02

  Yes, that's something that is being thought about, and I'm working through.

• 39:59Caleb Hammer?

  So it's just like, if you guys are already supporting each other in your lunacy dreams, then how can you say he's the villain?

• 40:05Speaker 03

  I never said he was a villain.

• 40:06Caleb Hammer?

  You make him feel like he is, though.

• 40:09Speaker 03

  And he makes me feel like I'm not enough. Clearly, we're both doing something wrong with how we're making each other feel.

• 40:13Caleb Hammer?

  Are you enough?

• 40:15Speaker 03

  Yes.

• 40:15Caleb Hammer?

  How?

• 40:16Speaker 03

  I'm pretty great. I work hard.

• 40:18Caleb Hammer?

  But you don't bring anything to that hard work.

• 40:21Speaker 03

  Maybe I don't, okay.

• 40:21Caleb Hammer?

  Is it a results, not the actual working that makes the difference in the end?

• 40:25Speaker 03

  Maybe I don't know how to better structure myself in order to get better results, but instead of criticism, maybe I could use some guidance and some help. I know that I'm not-

• 40:36Caleb Hammer?

  He's not a professional business owner. How is he giving that?

• 40:38Speaker 03

  Well, but then don't give the criticism if you can't give the help.

• 40:41Caleb Hammer?

  It sounds like he is trying, for what it's worth.

• 40:43Speaker 03

  He is trying, and I do recognize that, and I tell him that.

• 40:46Caleb Hammer?

  What are you talking about? You specifically told Lindsay that he does not meet your needs. What is that? What does that even mean?

• 40:53Speaker 03

  Well, like emotionally and stuff, you know, like in a marriage, like I want my husband to support me lovingly, not to always be like a father who's like looking down on me, criticizing me.

• 41:03Caleb Hammer?

  Yeah, that might be his coaching nature. What is this not meeting needs that happens?

• 41:07Speaker 03

  I want to be loved.

• 41:08Caleb Hammer?

  Well, tell me.

• 41:09Speaker 03

  I want to feel loved, like, you know.

• 41:11Caleb Hammer?

  Examples, lady, come on.

• 41:12Speaker 03

  Okay, and I've been telling him this. When we started, it was like a fairy tale. Not a fairy tale, but like-

• 41:18Caleb Hammer?

  Welcome to every relationship.

• 41:20Speaker 03

  But like, why can't we get back to that? Like, why can't you hug me? Why can't you give me kisses and smooches?

• 41:26Caleb Hammer?

  You don't kiss her.

• 41:27Speaker 03

  I have to ask for it. I have to ask for it. Why am I having to beg my husband to give me affection and attention? Why? That doesn't make sense. You're my husband. You should want to give me a kiss when I come home. You should want to give me a kiss goodbye. You should want to wrap your arms around me. You should want to take pictures of me like you used to, but you don't.

• 41:45Caleb Hammer?

  Ah.

• 41:45Speaker 03

  Because I'm not enough for you.

• 41:46Caleb Hammer?

  You're losing me at the picture thing, but at least giving her a hug.

• 41:49Speaker 03

  It was an us thing.

• 41:50Speaker 02

  Yeah. So, like, I do-

• 41:52Caleb Hammer?

  Honeyman face.

• 41:53Speaker 02

  I hug her, I kiss her, do I smother her in hugs and kisses like she wants? No.

• 41:59Speaker 03

  No, but I'm always having to ask for it.

• 42:00Speaker 02

  Just because you, just because you ask, like, first thing when you come in through the door, doesn't mean you have to always ask.

• 42:05Speaker 03

  No, I always ask.

• 42:06Speaker 02

  That's like me saying, I come home, where's dinner? I don't have to ask for dinner. I can just make it myself. Like, give me a second, I will give you a hug and a kiss, right?

• 42:13Speaker 03

  But you, but you don't.

• 42:14Speaker 02

  But, okay.

• 42:16Speaker 03

  No, like, literally lately, I get home, and I'm like, let me see how long it'll take. Let me see how, that's how bad it's gotten. Because in my head, I'm like, does he even care to give me a hug?

• 42:29Speaker 02

  I mean-

• 42:29Speaker 03

  Like, does it, does it even matter to me, to him?

• 42:32Speaker 02

  I'm not gonna argue with that, but if I see you every single day, we wake up and sleep together, like, we sleep in every single day. I don't think I need to welcome you home like you came back from war with a hug and a kiss, unless I'm wrong in that logic.

• 42:45Speaker 03

  Yeah, you're wrong in that logic. We're not like friends living together. We're husband and wife.

• 42:52Speaker 02

  You work, like, not even half a mile away from me. I stop by the restaurant to see you on, like, twice a week for lunch.

• 43:01Speaker 03

  Which is nice. I do like that.

• 43:03Speaker 02

  Okay. So, like, again, I don't need to shower you with hugs and kisses every time that I see you.

• 43:09Speaker 03

  But that's, okay.

• 43:10Caleb Hammer?

  A concern here, I thought you both said you work your asses off, but you sleep in every day?

• 43:14Speaker 02

  Because I've been trying to make up for that time that I've missed out with her when I leave.

• 43:19Caleb Hammer?

  Then you're not working, shut the [__] up.

• 43:21Speaker 03

  He's been gone a lot.

• 43:22Caleb Hammer?

  Then shut the [__] up. Come on, we sleep in every day. Shut the [__] up then, you're pathetic, you're not working hard. Shut up.

• 43:29Speaker 03

  This has just been the past few weeks.

• 43:31Caleb Hammer?

  Shut up, come on. Come on, that's crazy. How often do you guys?

• 43:37Speaker 02

  Three times a week?

• 43:39Caleb Hammer?

  What then? What are you talking about?

• 43:40Speaker 03

  Three times a week.

• 43:41Caleb Hammer?

  So you're getting affection? You're getting love, you're getting touch, right? Unless it's just like he's not looking at you, and it's just like, you know, like an animal.

• 43:50Speaker 02

  I like the lights on, so like, that's-

• 43:53Speaker 03

  There's been times when I ask for it, and I get rejected.

• 43:59Caleb Hammer?

  Well, that's gonna happen sometimes, I think.

• 44:02Speaker 03

  It happens a lot.

• 44:03Caleb Hammer?

  Okay, well, but if you're at three times a week, I don't, I think you're okay. It's a healthy amount, right?

• 44:07Speaker 03

  Once or twice a week, lately.

• 44:09Caleb Hammer?

  So, it's going down?

• 44:10Speaker 02

  Don't be German. Okay.

• 44:13Caleb Hammer?

  Well, Lindsay is saying that, she said she feels constantly rejected.

• 44:17Speaker 03

  Constantly.

• 44:18Caleb Hammer?

  So, what does that mean?

• 44:20Speaker 03

  That means I put myself out there, I try to like, start something, and then it's, there's always an excuse, there's always a reason of why not. When I try to initiate, it gets shut down. Every single time that I try to initiate, it gets shut down. So I have to wait until he feels like it.

• 44:36Caleb Hammer?

  Well, yes, both have to feel like it. That's not crazy.

• 44:39Speaker 02

  Like, every single time, but like-

• 44:40Speaker 03

  If I don't feel like it and he wants it, then I'm gonna get myself in the mood for him.

• 44:44Speaker 02

  Okay, you're better than me. I don't, I don't know what to tell you.

• 44:47Caleb Hammer?

  I will say there is a mathematical equation here. If we're just talking basic biology, if he wants to, you don't want to, and you say, okay, that's 30 seconds. If you want to and he doesn't want to, I could be like a 10-minute marathon that he has to [__] just like-

• 45:04Speaker 02

  Actually, you know, because whenever I'm in the mood, it's grade A stuff, and you can't argue with that, so-

• 45:10Caleb Hammer?

  Saying, I was just saying to get him to come, it's like 30 seconds. You're, you're a mission.

• 45:14Speaker 03

  I'm not.

• 45:15Caleb Hammer?

  You're an easy comer?

• 45:16Speaker 02

  I make it a whole performance. Like, it's not something that I just jump in and out of, so like, it takes-

• 45:22Caleb Hammer?

  Give me your phone, buddy.

• 45:29Caleb Hammer?

  Okay. What is this background? Black people in anime.

• 45:36Speaker 02

  You don't like anime?

• 45:37Caleb Hammer?

  No, it's just always the thing. It's very interesting.

• 45:39Speaker 02

  So like, what do you mean, black people, like?

• 45:41Caleb Hammer?

  No, black people in anime. It's very interesting.

• 45:43Speaker 02

  Like, the only ones who like it?

• 45:44Caleb Hammer?

  Yeah, every single time.

• 45:46Speaker 03

  Black people tend to like anime.

• 45:48Caleb Hammer?

  He's definitely following very goony content on Twitter, I will say.

• 45:52Speaker 03

  Mm-hmm.

• 45:53Caleb Hammer?

  Like, there's some booty shaking and shit like that, which is a little interesting. And then booty, booty, booty. This is everything on, uh, everything on X so far is soccer and ass. Okay.

• 46:13Speaker 02

  X.

• 46:15Caleb Hammer?

  Huh?

• 46:16Speaker 02

  I don't use X.

• 46:17Caleb Hammer?

  Okay.

• 46:18Speaker 02

  Um, there is a guy, he sends like stuff, and I have to-

• 46:23Caleb Hammer?

  Huh?

• 46:24Speaker 03

  What?

• 46:25Speaker 02

  I have a coworker that sends stuff.

• 46:31Caleb Hammer?

  Sends what?

• 46:32Speaker 02

  Stuff that's not appropriate.

• 46:35Caleb Hammer?

  Where?

• 46:36Speaker 02

  On Instagram.

• 46:38Caleb Hammer?

  Okay, and?

• 46:39Speaker 02

  WhatsApp, baby.

• 46:40Caleb Hammer?

  Huh?

• 46:41Speaker 02

  So that's just where it's some of my-

• 46:42Caleb Hammer?

  You said WhatsApp?

• 46:43Speaker 02

  Mm-hmm.

• 46:43Caleb Hammer?

  What, why?

• 46:45Speaker 02

  Just-

• 46:46Caleb Hammer?

  Booties and boobs and why?

• 46:49Speaker 02

  Just his sense of humor.

• 46:53Speaker 03

  I think I know who you're talking about.

• 46:57Caleb Hammer?

  And Brad and I are both gooners, but we don't send each other-

• 47:02Caleb Hammer?

  You know?

• 47:04Speaker 02

  That's not how you pass time?

• 47:05Speaker 03

  Is that what he sends?

• 47:06Speaker 02

  Sometimes.

• 47:07Speaker 03

  Oh my god.

• 47:09Caleb Hammer?

  Okay, you talk to a lot of people on WhatsApp. Why?

• 47:12Speaker 02

  Uh, part of recruiting.

• 47:14Caleb Hammer?

  Okay.

• 47:15Speaker 03

  He's always recruiting. He's always working.

• 47:18Caleb Hammer?

  Who's this person from?

• 47:21Caleb Hammer?

  I don't believe in her name, but-

• 47:24Speaker 02

  Hmm.

• 47:26Caleb Hammer?

  Who is this?

• 47:26Speaker 02

  An athlete.

• 47:28Caleb Hammer?

  Why do you do video calls with her?

• 47:32Speaker 02

  Uh-

• 47:33Caleb Hammer?

  Very frequently.

• 47:34Speaker 02

  Talk about coaching stuff?

• 47:38Caleb Hammer?

  Uh...

• 47:41Caleb Hammer?

  Okay, yeah, some of it is coaching talking. It's a little interesting. You've met her a lot.

• 47:50Caleb Hammer?

  Picked her up a lot from the airport.

• 47:52Speaker 02

  She's from a different country.

• 47:54Caleb Hammer?

  Uh-huh, but why? What's your relationship with her?

• 47:56Speaker 02

  My athlete? What's my relationship with my athlete?

• 47:58Caleb Hammer?

  She's your athlete?

• 47:59Speaker 02

  Yeah.

• 47:59Caleb Hammer?

  She plays there?

• 48:00Speaker 02

  Yeah.

• 48:00Caleb Hammer?

  At your school?

• 48:01Speaker 02

  Yeah.

• 48:01Caleb Hammer?

  But she lives in Germany?

• 48:02Speaker 02

  Correct.

• 48:04Caleb Hammer?

  Okay. You guys text a lot, but, okay. They just didn't know that student athletes and coaches texted this much.

• 48:16Caleb Hammer?

  It's just a lot, listen, I, I haven't seen anything like alarming. It's just, it is a lot of texting, it's very weird, but maybe that's normal.

• 48:25Caleb Hammer?

  I don't know.

• 48:25Speaker 03

  I think, um-

• 48:27Caleb Hammer?

  It's always the women. Why, why aren't you texting the men that much, though?

• 48:30Speaker 02

  That's something that I tried to figure out. I, the guys don't talk a lot.

• 48:37Caleb Hammer?

  No, you're not texting them as much.

• 48:38Speaker 02

  I call them, but-

• 48:41Caleb Hammer?

  But you're really texting these very attractive women a lot.

• 48:45Speaker 03

  But they're kids.

• 48:46Caleb Hammer?

  They're not kids.

• 48:47Speaker 02

  I wouldn't say they're attractive, but I guess I can see how someone else would.

• 48:50Caleb Hammer?

  What? Come on. But she's attractive. What the [__] are you talking about? Shut, what are you, come on. Done with that. What's this?

• 49:01Speaker 02

  What is it?

• 49:02Caleb Hammer?

  Hola fly? Hola fly? Oh, just, it looks like hinge, but I guess it's not. Okay, that's good. Who does concerning?

• 49:08Speaker 03

  I do think that he invests more time than necessary into literally every-

• 49:16Caleb Hammer?

  Maybe, maybe not. I'm not, I'm not 100% sure. It's just, it was, it's just interesting that it's always the young women, you know?

• 49:28Speaker 02

  Sure.

• 49:28Caleb Hammer?

  What's the gender split on your team?

• 49:30Speaker 02

  Uh, I have two guys and four girls. Uh, and then next year I'm gonna have four guys and seven girls. Whenever I travel, I'm gone for three or four days of the week. Okay.

• 49:43Speaker 03

  And whenever he's home, he's working.

• 49:45Speaker 02

  And that's from the start of the second week of January.

• 49:47Caleb Hammer?

  Makes sense, but.

• 49:49Speaker 02

  So like the whole second semester, I'm pretty much gone half a week.

• 49:51Caleb Hammer?

  Well, there wasn't really anything too concerning on his phone, but he's around, he's attractive and you're not concerned with him traveling?

• 49:57Speaker 03

  No, it's just the fact that like, he doesn't know how to balance like his work and.

• 50:02Caleb Hammer?

  Either you support his dream job or you don't. I don't know what to tell you.

• 50:05Speaker 03

  But he gets home and he's still working.

• 50:07Caleb Hammer?

  Okay.

• 50:08Speaker 03

  He doesn't stop working.

• 50:10Speaker 02

  But part of it is that I talked to international athletes and so the time zone in Germany or in New Zealand are drastically different than times here. So I have to be on my phone.

• 50:19Caleb Hammer?

  What is this other woman that I have in my notes though?

• 50:22Speaker 03

  His job.

• 50:23Caleb Hammer?

  Who is she?

• 50:24Speaker 03

  The job.

• 50:25Caleb Hammer?

  Oh, okay.

• 50:29Caleb Hammer?

  Okay.

• 50:31Caleb Hammer?

  Okay. What do you guys think your financial score is zero to 10?

• 50:36Speaker 02

  Negative.

• 50:37Speaker 03

  Point.

• 50:38Speaker 02

  Zero.

• 50:39Speaker 03

  Five.

• 50:41Caleb Hammer?

  Before we keep going, quick word from today's sponsor. Look, every business owner right now is hearing the same thing. You need AI, you need AI, you need AI. Okay, great. But if your financials are in one place, inventory in somewhere else, HR is a mess and nobody can get a straight answer from the data. AI is not the problem, your systems are. That's why today's video is sponsored by NetSuite. You probably know NetSuite. It is the AI-powered business management suite that securely connects all of your data, financials, inventory, commerce, HR, CRM, one source of truth trusted by over 43,000 customers. And NetSuite Next is the next huge leap because AI is built into everything you do. It surfaces custom insights throughout your day.

• 51:24Caleb Hammer?

  AI agents help you handle routine work. And if you've got a question, you can just ask like you're talking to a coworker. If I were running a seven-figure business, this is absolutely what I'd want. So for the first time ever, you can try NetSuite Next for free. If your revenues are at least in the seven figures, go to netsuite.ai/hammer. Built for every industry, ready for every boardroom, netsuite.ai/hammer. All right, back to the mess. Before we get back to this disaster, quick word from today's sponsor, Zocdoc. Look, way too many people treat doctor appointments like a credit card bill they don't want to open. Yeah, no, you should deal with it. But instead you wait and wait and suddenly it's been like a year and a half. I've been there too.

• 52:07Caleb Hammer?

  Part of the problem is the process sucks. You call, you get put on hold, they don't take your insurance, or the next opening is in the year 2047. And that is why the part of this video is sponsored by Zocdoc. Zocdoc lets you search and compare local in-network doctors. They have more than 150,000 providers within 200-plus specialties across all 50 states. You can read reviews from real patients, check detailed doctor profiles, see actual appointment openings and click to instantly book a visit. And appointments happen fast, usually within 24 to 72 hours, sometimes even the same day. Also, very important, Zocdoc is free to use. That whole phone call nightmare I just described, yeah, that used to be me.

• 52:49Caleb Hammer?

  Then I got on Zocdoc, typed in what I needed, filtered by my insurance and had actual doctors with openings in front of me before the whole music would have even started. That's why Zocdoc is what I use when I need to book a doctor fast. Your health matters and taking care of yourself shouldn't be complicated. Find and book the right doctor with Zocdoc. Head to zocdoc.com/caleb to get started and check that appointment off your to-do list. That is Z O C D O C dot com slash Caleb. All right, back to the financial chaos. Okay, I can't be negative, but okay. If you want your Hammer financial score, get it for free at CalebHammer.com. Figure out where your score is zero to 10 in the world of finances, where you're doing poorly, where you're doing great. If you don't want to be like a guest who ends up on the show, make sure you download the Dollar Wise Budgeting app, take the free trial, see if it works for you.

• 53:33Caleb Hammer?

  Works for tens of thousands of monthly active users for a reason. And if you like, it's not for the annual version because it saves almost 50% and you get the physical version of my 30-day meal plan, signed by me, mailed directly to you. And also the digital version of the cookbook. So check that out. Listen, I understand you guys' relationship is messy. Yes, you should, you should, you should hug your wife, you should kiss your wife. That's normal. That's fine. I understand if it's up and down with sex, that's happens, we're busy, we're tired, whatever, that's normal. But like, I mean, guys, what are we doing? And if you guys just think each other are the controlling ones in the relationship, like, how do we get anywhere? I don't know. How do you guys communicate on money? Like all this, all this right here. You said you know what? He doesn't know anything. So where's the communication on the money?

• 54:14Speaker 02

  So she tells me this is the plan and this is how things are gonna happen. And I trust her and I say, okay. So I send her the money whenever she asks for it and then whenever I need money for something.

• 54:23Caleb Hammer?

  Send the money? Why are we not combined?

• 54:24Speaker 03

  We had, we had a combined account when we got married and we just never used it and it got closed out.

• 54:31Caleb Hammer?

  Why should he have to send money? That's weird.

• 54:33Speaker 03

  Because it's just easier.

• 54:34Caleb Hammer?

  No, it's not. If everything, no, it's actually not. It's actually easier to budget as a household if everything goes into one account.

• 54:40Speaker 03

  I'm down.

• 54:41Caleb Hammer?

  Is he not?

• 54:42Speaker 03

  Didn't care to use it or do anything with it.

• 54:45Speaker 02

  Yeah, we just never got back to doing it again. It was just because like we had the same job before, so our paychecks were the exact same.

• 54:50Caleb Hammer?

  How can you manage off of two accounts that you just don't even see insight into? How can you manage the household?

• 54:54Speaker 03

  Because most payments come, like I just pay for it. He only is in charge of the internet and the car insurance and his credit card minimum. So when he gets paid every month, he keeps what he needs for those payments and just sends me the rest and then I pay everything else. So it's just easier because he was really bad at making payments. Like he would end up like making late payments and things like that.

• 55:17Caleb Hammer?

  How do we talk about the money though? You just accept it when she says these things?

• 55:20Speaker 02

  Yeah, she has it written down and we look at it.

• 55:23Caleb Hammer?

  So she would be the controlling one then?

• 55:25Speaker 02

  Yeah.

• 55:26Speaker 03

  Because I organize it. I'm the organized one. So.

• 55:29Caleb Hammer?

  How can you say he's controlling then? If he says you can't spend money?

• 55:32Speaker 03

  Well, yeah.

• 55:33Caleb Hammer?

  Oh, you're the one managing the money. I'm confused. I'm really, that dynamic is just so confusing to me. I mean, you guys spent $400 more than you brought in.

• 55:41Speaker 02

  So like, I think I, she says I'm controlling because like, I don't, I tell her she's not allowed to go to the grocery store. Because anytime she like.

• 55:49Caleb Hammer?

  What? That's crazy.

• 55:50Speaker 02

  A list of two items, she'll always get 10 items. Like it's never ever has there been a trip where she goes in for exactly what she needs and only gets those items or less. It's always more. So I said, no more going to the grocery store.

• 56:04Caleb Hammer?

  So you go to the grocery store then?

• 56:06Speaker 02

  Yeah, most of it.

• 56:07Caleb Hammer?

  Well, that's weird to not let your wife go to the grocery store.

• 56:10Speaker 02

  Why?

• 56:11Caleb Hammer?

  We have a conversation around budgeting, around what we're able to spend on and we allocate from there instead of just saying, no, you can't go to the grocery store.

• 56:18Speaker 02

  I understand that, but if it saves an argument of her just constantly keep on doing the same thing, then why not?

• 56:22Caleb Hammer?

  An argument is that's just avoiding forever and letting a building then blow up.

• 56:26Speaker 02

  But I have no problem.

• 56:27Caleb Hammer?

  One more meeting before divorce again.

• 56:29Speaker 02

  No problem just going to the grocery store.

• 56:30Caleb Hammer?

  Sure, but you're gone sometimes.

• 56:33Speaker 02

  Oh, you're talking about, yeah.

• 56:34Caleb Hammer?

  Oftentimes a lot. You're gone a lot.

• 56:35Speaker 02

  Whenever I come back, I make sure that Sunday I go to the grocery store and get what we need to do for the week. I plan accordingly. I say, hey, I got this for you for the week or I got this for me for lunch.

• 56:44Caleb Hammer?

  For you for the week for me. This is so weird. Maybe she is right that you guys are more like roommates than a married couple.

• 56:52Speaker 02

  Yeah, I think so.

• 56:54Caleb Hammer?

  You're good with that? That's what you want?

• 56:56Speaker 02

  No, that's not what I want. Like.

• 56:57Caleb Hammer?

  Well, it seems like you're the one encouraging him with how you're managing it and how you're treating her.

• 57:01Speaker 02

  An argument because I feel like we just communicate just for the fact of just saying that we just talk. Like nothing actually comes out of our communicating.

• 57:08Speaker 03

  When we were given actual tactics of how to communicate, you don't want to do that stuff.

• 57:14Caleb Hammer?

  That's not true.

• 57:15Speaker 03

  Conversation, things like that.

• 57:17Speaker 02

  I don't need to hold a spoon in my hand to know who's talking.

• 57:19Speaker 03

  Tactic of how to communicate that we were taught, yet we don't use any of these things that we were taught.

• 57:25Speaker 02

  Okay. So when we did therapy before and the therapist said, we came to the conclusion that I make everything just sound like a suggestion and not an actual answer. I changed the way that I said things. I made more decisive statements. It was either yes or no. Uh, and then once I did that, you still weren't listening to me. And then I told you, I didn't want to be that person that's just yelling at you to make sure that you listen to me, even though you said that's the only way that you listen. So I changed how I communicate and nothing changed.

• 57:56Speaker 02

  So holding a spoon does not give me faith that all of a sudden we're gonna learn how to effectively communicate.

• 58:01Speaker 03

  Okay.

• 58:03Speaker 03

  That's just one example of different things that we were taught and how to better communicate.

• 58:10Speaker 02

  I understand that and I gave you something that we actually went to therapy for.

• 58:14Speaker 03

  Therapy, that therapy that we did like those two times like.

• 58:17Caleb Hammer?

  Oh, two sessions? Come on, that's not effective.

• 58:19Speaker 03

  Thank you. And she wasn't a couples therapist. She was my therapist that I was like, can I bring my husband in because?

• 58:24Caleb Hammer?

  You shouldn't do that into individual therapy.

• 58:27Speaker 02

  No, you're talking about, I'm talking about the first one, the premarital therapist?

• 58:30Speaker 03

  It was like one thing, one.

• 58:32Speaker 02

  Okay, but I'm saying you said.

• 58:34Speaker 03

  Before there was actual issues between us because we were still hanging out. But at, okay.

• 58:41Caleb Hammer?

  About what?

• 58:42Speaker 03

  I do recognize, so for the, before everything went down last year, we almost got divorced. I was living in the Lululand thinking like, nothing was a problem. Everything was fine.

• 58:50Caleb Hammer?

  Wait, really? Were you bringing up issues?

• 58:52Speaker 03

  He would bring things up like suggestions.

• 58:54Caleb Hammer?

  Ignoring them?

• 58:54Speaker 03

  No, cuz I.

• 58:55Caleb Hammer?

  How are you bringing them up?

• 58:56Speaker 03

  Jokingly sometimes.

• 58:57Caleb Hammer?

  How are you bringing them up? It's his answer, not yours.

• 59:00Speaker 02

  I don't think that this is a healthy way of going about this. I think this is taking away a lot of. Uh, okay, for example, we were truck driving. She would constantly stop for a lot, for whatever reasons, whether, yeah, pee breaks. And then the pee breaks turned into she was having conversations with her family members and she had to solve a lot of problems.

• 59:20Caleb Hammer?

  Driving?

• 59:21Speaker 02

  No, and so she had to stop driving, like pull over to help out with whatever that the family had going on. And so.

• 59:28Speaker 03

  They used to be very dependent on me.

• 59:30Speaker 02

  On and off, that's not a problem, but it was every single day. And so whenever she's only allowed to drive the eight hours that she's supposed to, that puts me behind on the hours that I need to be driving to make up like for.

• 59:40Caleb Hammer?

  But did you actually bring up the issue?

• 59:42Speaker 02

  Yes, I said that you needed to stop doing this.

• 59:44Speaker 03

  No, he would say things like, maybe this is not the right way to handle this. Maybe.

• 59:48Caleb Hammer?

  And do you not get the hint or you're?

• 59:50Speaker 03

  Yeah, I was at the time.

• 59:52Caleb Hammer?

  Are you not?

• 59:53Speaker 03

  No.

• 59:53Caleb Hammer?

  How, how are you not then?

• 59:55Speaker 03

  Um, because now I actually like take into account what he's saying and like look internally and like, okay, is this a problem? I don't know.

• 1:00:04Caleb Hammer?

  He's afraid to have conversations.

• 1:00:06Speaker 03

  I don't know. He's afraid to, and now I actually have conversations. Before I couldn't even communicate.

• 1:00:10Caleb Hammer?

  He doesn't, you do. He doesn't.

• 1:00:12Speaker 02

  Yeah.

• 1:00:12Speaker 03

  No, he doesn't. Because before I would like, I can't, I don't know what to say. I would shut down. And now I actually speak up. I give you my opinions. I tell you what I don't like, what this, that and the other.

• 1:00:22Caleb Hammer?

  Every time he brings up his honesty, he just says, you're mean. That's what he said.

• 1:00:26Speaker 03

  That's what he needs. That's what he likes. Because when I was nice and sweet, he never listened to me. So now I have to be bitchy and I have to be mean for him to be receptive to anything I say.

• 1:00:36Caleb Hammer?

  Who likes that? What are we doing right now? What are you, are we just being nonsense?

• 1:00:41Speaker 02

  Yeah. No, like I, I tell you what needs to be done. You reply back after I lay it down on how it needs to be done. You say, I feel like I'm not enough. I feel like I don't do enough. What I do isn't enough. And it makes me feel like I'm not good enough. That's what happens whenever I say how we need to do better. And so whenever you reply with that, I don't, what am I supposed to do? I just, I think I speak on nothing but facts and you just speak on all emotions. And I can't argue with your emotions. And that's why I just stop arguing and stop talking.

• 1:01:17Caleb Hammer?

  Emotions are impossible to argue with. It really is. Because this is not logical, never is. I mean, that is true. And I deal with that every day on this show. Your feeling is a feeling.

• 1:01:28Speaker 03

  I think I take a lot of what he says into consideration, but it doesn't separate the fact that we're in a marriage where feelings do matter.

• 1:01:37Caleb Hammer?

  Feelings do matter, yes.

• 1:01:38Speaker 03

  And he completely disregards those.

• 1:01:40Caleb Hammer?

  But if the feeling is the entire argument and outweighs a reality of a situation, that becomes an impossible conversation.

• 1:01:46Speaker 03

  Maybe we've been having a lot of impossible conversations because I've been very emotional lately because things have just been really, really bad.

• 1:01:52Caleb Hammer?

  Again, so we're headed towards that divorce again. Why are things really, really bad? That's what I tried to ask at the beginning. You guys can't answer. If things are really, really bad, what is it? I need insight into this household, guys.

• 1:02:02Speaker 02

  What's really bad is that I just don't think that she does enough. I really was relying on her to take off with this coffee cart. Not even take off. Like, I'm okay with.

• 1:02:10Caleb Hammer?

  That's delusional.

• 1:02:11Speaker 02

  I don't say what's where it's at, but I was putting faith that she was gonna be putting more work into it to be at a better place. And that's not what's happening.

• 1:02:19Speaker 03

  Why does it always have to be just me who's putting in all the work?

• 1:02:23Speaker 02

  So I'm not doing anything?

• 1:02:24Speaker 03

  It's exhausting.

• 1:02:24Speaker 02

  So I'm not doing anything for your business?

• 1:02:27Speaker 03

  No, I'm not talking about like you doing something for my business, but like it's summer vacation. You don't have as much workload as you did, but what are you doing?

• 1:02:35Speaker 02

  I sent you a whole like sheet of companies and people that we need to go talk to, to take off with this business. Did I not?

• 1:02:44Speaker 03

  But you just give ideas. You just give ideas. Can you like make plans?

• 1:02:48Speaker 02

  Did I send you this stuff?

• 1:02:51Speaker 03

  Yeah.

• 1:02:51Speaker 02

  Okay. And so I think we can agree that my strong suit is not talking to people and putting a bubbly face to these people, right? So why is that not something that you do? I present the idea to you on this is who we need to go talk to and you never follow up on any of that.

• 1:03:07Speaker 03

  My schedule's already full.

• 1:03:08Speaker 02

  And then how, you don't even know how many like events that I have signed you up for that just didn't go through.

• 1:03:14Speaker 03

  I do, because I got the calls that they did go through.

• 1:03:16Speaker 02

  I did put your email on there. So you do know. Actually, I'll take it back. Sorry. I just feel like I've.

• 1:03:20Speaker 03

  That I signed up for that he thinks that I'm sitting there and not doing anything, but I actually am signing up for events and doing all these things.

• 1:03:26Speaker 02

  You're just only relying on farmers markets. Like you're not actually getting up and walking and talking to anybody. Like there's so many people that you can actually meet in the neighborhood, in the town, and you're just not doing that.

• 1:03:39Speaker 03

  Well, you said you were gonna go like figure out the Rotary Club thing like months ago and you just yesterday told me what you figured out with that.

• 1:03:47Caleb Hammer?

  Okay, so actually it was a misread of mine at the beginning. I honestly thought this, because it was weird. It was like, you're like, oh, I want our business to do so well. And you're like, oh, he has the dreams. I really want that. And you're, it's like, I was like, wait, what actually is the problem? You see? No, this is a complete disaster, this thing, this passion project, this business. You guys, this is like the fight.

• 1:04:06Speaker 02

  Yeah, it is. Because even before like up to this point, I think.

• 1:04:10Caleb Hammer?

  This is, I mean, that's insane. That entire, I zoned out there for a second, just how you guys are being.

• 1:04:16Speaker 02

  She was, I think the, all the products that she was buying, I thought was overly expensive. Like I didn't know anything about like any of the coffee stuff, but I just looked into it for a little bit. I immediately found her uh, cheaper coffee that she could be using without sacrificing the quality. I found her cheaper coffee cups to be using. So every, like from the very beginning, I've been finding cheaper ways to do what she's been doing. I think I've been more than helpful in everything and I haven't given her a hard time about that stuff. I got frustrated because it seems like I'm always finding the cheaper way to do something or to maximize the money.

• 1:04:50Speaker 03

  Helping me?

• 1:04:51Speaker 02

  I'm not upset about helping you. I'm doing literally everything I can to help you. I just want you to take initiative, charge in your business. This isn't my business.

• 1:04:59Speaker 03

  I'm doing, you're doing like 10% and I'm doing the other 90%.

• 1:05:04Speaker 02

  The 10% I'm doing saves us so much money.

• 1:05:06Speaker 03

  And thank you, but just because you're having to do 10%, you're bitching and whining about it. As if like, I shouldn't have to do this.

• 1:05:14Speaker 02

  I shouldn't. I, I shouldn't. I don't ask you to come help me with my job. That's something I took on.

• 1:05:21Speaker 03

  You don't want to be involved in the coffee cart at all.

• 1:05:24Speaker 02

  No problem helping you.

• 1:05:25Speaker 03

  Yes, you do. You clearly do. That's what you literally just said. The 10% you don't wanna do.

• 1:05:31Speaker 02

  No, I said the 10% because you minimize the 10% like it was nothing. The 10% saved us a whole lot of money. The 10% is putting you in front of more people.

• 1:05:44Speaker 03

  I will not ask for help on the coffee cart.

• 1:05:45Speaker 02

  You need the help. You're not doing anything.

• 1:05:48Speaker 03

  I'm not doing anything. I'm not doing the other 90%.

• 1:05:52Speaker 02

  The 90%, the once a month?

• 1:05:55Speaker 03

  It's gonna, I've booked pretty much every single weekend from now until the end of August.

• 1:06:01Speaker 02

  Yeah, I agree. You did. You did do that.

• 1:06:04Speaker 03

  Because it was the only dates available. I would have been booked more previous to now if the dates were available.

• 1:06:09Speaker 02

  Okay, so why are you only relying on farmers markets to sell the stuff?

• 1:06:12Speaker 03

  I'm not. I'm also trying to venture out and do the weddings. I have a wedding booked. It's just the first of many that are gonna come.

• 1:06:18Speaker 02

  Wedding with?

• 1:06:19Speaker 03

  Your athlete.

• 1:06:21Speaker 02

  Okay. So that wouldn't have been possible without me, right?

• 1:06:25Speaker 03

  Yeah, I'm not, I'm not minimizing the help that you do give. I'm saying the little help that you give, you bitch and moan about it. So don't help.

• 1:06:32Speaker 02

  Okay, then the coffee cart's never gonna succeed then.

• 1:06:34Speaker 03

  Oh, because I can't do it without you.

• 1:06:36Speaker 02

  You haven't been.

• 1:06:37Speaker 03

  I have been.

• 1:06:38Speaker 02

  He just went over how you're not making any money. And then it would have been worse if I didn't find cheaper solutions on everything that you were already doing.

• 1:06:49Speaker 02

  For so long, you couldn't tell me how much their cups were.

• 1:06:53Speaker 03

  No, I did tell you how much.

• 1:06:54Speaker 02

  No, eventually you couldn't tell me how much the supplies cost you.

• 1:06:59Speaker 03

  Because I didn't have it in front of me. I'm not memorizing every single little thing, but I have things written down. You ask me, when we're in the middle of doing something, I can't pull it up out of my ass. If I don't know it, I wanna give you an exact number.

• 1:07:11Speaker 02

  I just thought you would know the business on the back of your hand in terms of how much everything costs.

• 1:07:15Speaker 03

  All these things.

• 1:07:16Speaker 02

  Yeah.

• 1:07:18Speaker 03

  No, I have it written down. I'm organized. I have it written down because I know I don't have the mental capacity to be memorizing every single little thing.

• 1:07:24Speaker 02

  Okay, you're just organized just to say you're organized. You're not actually doing anything with the organization.

• 1:07:27Speaker 03

  Okay.

• 1:07:30Speaker 03

  Did that answer any questions?

• 1:07:33Caleb Hammer?

  I mean, in general, honestly, guys.

• 1:07:37Caleb Hammer?

  That's the disagreement right now? That's the fight?

• 1:07:40Speaker 03

  That's one of the fights.

• 1:07:42Speaker 02

  What's the other one?

• 1:07:43Caleb Hammer?

  Oh, what's the other one?

• 1:07:45Speaker 03

  My emotional stuff. That doesn't matter.

• 1:07:46Caleb Hammer?

  No, I guess it does. If it's a fight, what's your emotional shit, you crazy?

• 1:07:51Speaker 03

  I've been depressed. He doesn't get it. Because my brain decides not to make certain hormones. That's how depression works for some people.

• 1:07:59Caleb Hammer?

  Maybe.

• 1:08:00Speaker 03

  It's not just I'm sad. It's literally, there's like something wrong with my brain right now.

• 1:08:05Caleb Hammer?

  So far, it's sounding like a self-diagnosis.

• 1:08:07Speaker 03

  No, it's been diagnosed and I just, I under, I recognize when it comes up. He doesn't get it. He's like, these things happen and you should still be able to do everything. It literally is so hard to just get out of bed every morning.

• 1:08:19Caleb Hammer?

  So she has an official diagnosis and you're just like dismissing it?

• 1:08:23Speaker 02

  So if you get diagnosed with something like 15 years ago, does it last forever?

• 1:08:28Speaker 02

  Yes, no, maybe?

• 1:08:31Speaker 03

  Yeah, maybe it's a diagnosis. Just because I don't go to therapy like regularly because we can't afford it, doesn't mean that the diagnosis disappears.

• 1:08:39Speaker 02

  Right. And so, yes, I guess I'm completely dismissing her depression uh, state right now. But the way that I look at it is we're not in a spot where we can just be.

• 1:08:50Speaker 03

  Allowing it?

• 1:08:51Speaker 02

  Doing nothing. If you can identify your problem and you're not doing anything to make the problem better, then it just feels like you're an excuse, using that as an excuse.

• 1:09:00Speaker 03

  Every single day to just get out of bed and do the things that I need to do, to go to work, to do.

• 1:09:06Speaker 02

  I have to do that too. I wanna lay in bed all day.

• 1:09:08Speaker 03

  You are not going through this.

• 1:09:17Caleb Hammer?

  So what does that look like in the household, this conversation, guys?

• 1:09:22Caleb Hammer?

  How are you surviving? If he doesn't even believe in your own diagnosis? How do you make it from here?

• 1:09:29Speaker 03

  I don't know.

• 1:09:29Caleb Hammer?

  I couldn't do that.

• 1:09:31Speaker 03

  I don't know.

• 1:09:31Caleb Hammer?

  I mean, a real diagnosis is a real diagnosis. Yes, I agree. There's lots of TikTok diagnoses bullshit.

• 1:09:39Caleb Hammer?

  Like, is that incredibly dismissive? Borderline is just bad as a partner?

• 1:09:47Caleb Hammer?

  Is it?

• 1:09:48Speaker 02

  Is it?

• 1:09:49Speaker 03

  Repeat your question. I zoned out for a second.

• 1:09:51Caleb Hammer?

  Is that not just bad as a partner?

• 1:09:53Speaker 03

  Yeah.

• 1:09:54Caleb Hammer?

  Then why are you with someone that doesn't even believe in your own mental health shit? That's real diagnosed.

• 1:09:59Speaker 02

  When was it diagnosed?

• 1:10:00Speaker 03

  Before I met you.

• 1:10:01Caleb Hammer?

  Okay.

• 1:10:02Speaker 02

  I just didn't.

• 1:10:02Caleb Hammer?

  What's your point?

• 1:10:03Speaker 02

  I just never saw anything, or... Okay, so this is, this is the deal. Anytime that work situations get really hard, coincidentally, something with her mental state always is correlated to that.

• 1:10:18Caleb Hammer?

  Then why be with her?

• 1:10:20Speaker 03

  Yeah, why be with me? Why'd you come back to me?

• 1:10:22Speaker 02

  Because I thought things got better. Like, you talked about how you had a better work ethic. I mean, I saw that you had a better work ethic whenever you were at that trucking gravel place whenever you got the accident. But I just thought that things would just keep on getting better. And so, like, you taking, wanting to do this coffee cart puts you in that position to have to be like that.

• 1:10:38Speaker 03

  Coming back to me was riding on life just continuing to get better. Instead of, like, living a normal life with somebody else as a partner where things go up and down.

• 1:10:47Speaker 02

  I understand things go up and down. Like, I'm not delusional. Like, not everything is always going up. But why is it every single time that you have a rough time at work, you always say, "Oh, I'm depressed"?

• 1:10:59Caleb Hammer?

  Well, you can't use it as a crutch, as a fallback. If you weaponize it in the relationship. It sounds like it a little. If you have a tough time at work, you can't just be like, "Oh, my depression."

• 1:11:10Speaker 03

  I think what triggered my... No, it's triggered. So what triggered my depression is the fact that I'm a waitress, and I have men all the freaking time hitting on me. And I tried, and he didn't want me to. He told me to stay. He didn't give a damn that I was getting hit on at work.

• 1:11:25Caleb Hammer?

  You didn't care that she was uncomfortable getting hit on at work?

• 1:11:28Speaker 03

  No, he didn't. He laughed it off. He made a joke out of it.

• 1:11:31Caleb Hammer?

  But if she's uncomfortable, that's not good.

• 1:11:33Speaker 02

  Why would somebody be a waitress or a bartender, then, if they're thinking that they're not gonna get hit on?

• 1:11:38Caleb Hammer?

  Yeah, maybe, but if she's uncomfortable, wouldn't she support that?

• 1:11:41Speaker 02

  She had another chance to get a job at a church. The church is an hour and 15 minutes away. She said she would take it if she stayed at her mom's place that's not even 10 minutes away from there. All of a sudden, she got the chance to take the job, and she said, "I'm not gonna stay at my mom's anymore if I do that."

• 1:11:56Speaker 03

  No, that's not what I said. I said, "Do you actually not care that I stay at my mom's?"

• 1:12:01Caleb Hammer?

  On what happened?

• 1:12:03Speaker 03

  No, he's just, like, making the words whatever he thought it was, was being said. But what, what was said is, "I just asked, are you gonna be comfortable with me staying at my mom most of the week and being away from home?"

• 1:12:15Caleb Hammer?

  And he said?

• 1:12:17Speaker 03

  He just, no, there was no answer. It was a back and forth of, like, "But you said you would be okay with that."

• 1:12:22Speaker 02

  So time out.

• 1:12:23Speaker 03

  I just wanted to know whether you cared or not.

• 1:12:24Speaker 02

  Part of what was going on, we were actually at conference, so it's like our biggest track meet of the year. So she was sending this to me while I was doing that at the same time. So I could have misread her text message, but I know I replied back with, "The deal was that you taking this job was that you were gonna stay at your mom's."

• 1:12:43Speaker 02

  Right?

• 1:12:44Speaker 03

  Yeah.

• 1:12:45Speaker 02

  Okay, so then how is that not an answer?

• 1:12:47Speaker 03

  Because I was asking you.

• 1:12:49Speaker 02

  I said, "The deal for you taking this job is you staying at your mom's."

• 1:12:53Speaker 03

  Okay.

• 1:12:54Speaker 02

  How is that not an answer?

• 1:12:56Speaker 03

  That's not an answer.

• 1:12:57Caleb Hammer?

  Well, kinda, a little. I mean, isn't it the most clear? No, but it's like, you can get insinuated, kinda like the, his, when he was trying to tell you to do better before.

• 1:13:07Speaker 03

  Cared, whether he would want me to come home, like, every other week or something. And then eventually I said that, "Would you want me to come home every other week?" And he said that. And he was like, "The deal was for you to stay there." So clearly, you don't care that I'm not home. You don't care if you don't see me.

• 1:13:19Caleb Hammer?

  I think dude just gets down to business.

• 1:13:24Speaker 02

  Yeah, money's pretty important.

• 1:13:26Caleb Hammer?

  Okay, not really. You're doing D2 activities to...

• 1:13:29Speaker 02

  Well, I said I'm also working on a way out of that, too, so...

• 1:13:33Caleb Hammer?

  Uh huh.

• 1:13:34Speaker 02

  But...

• 1:13:35Caleb Hammer?

  Okay, this firm has $3,046.84 on it. Minimum payment is 60223, essentially, and it's for bullshit. It's Amazon, Nike, bullshit. Uh, some grocery. We're affirming groceries. That's, that's where we are, guys. Come on.

• 1:13:48Speaker 03

  It was for the business.

• 1:13:50Caleb Hammer?

  Oh, well, that's stupid. You're affirming shit for your business. That's not a good sign.

• 1:13:56Caleb Hammer?

  Bullshit, bullshit, bullshit, just business shit, bullshit, bullshit. It's all stupid. It's... What are you doing?

• 1:14:03Speaker 03

  I don't know.

• 1:14:04Caleb Hammer?

  Are they all in paying for it or financing?

• 1:14:06Speaker 00

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• 1:14:35Speaker 03

  Hmm, some of them have been paid for, but finance.

• 1:14:37Caleb Hammer?

  Are they pay in for?

• 1:14:40Speaker 03

  Oh, finance, finance, finance, finance, finance, finance.

• 1:14:42Caleb Hammer?

  So we're talking like a 36% interest rate, ladies and gentlemen, for her business that makes no money, 36% interest rate. The S and P 500, one of the best indexes you can be a part of, averages 10% a year. That's considered a good return. She's at a 36% loss!

• 1:14:55Speaker 02

  Is it really that much interest rate?

• 1:14:56Speaker 03

  I don't, I didn't think it was. I thought it was like 24.

• 1:14:59Caleb Hammer?

  Pull up, pull up, pull up, pull up! Pull up! And I wanna see her Amazon, too.

• 1:15:03Speaker 03

  Okay.

• 1:15:05Caleb Hammer?

  Dude, it is literally so stupid. It is the stupidest disagreement I've had on the show, a coffee cart. What the [__] of everything? We've had cheaters, we've had abusers, we've had everything, and it's a coffee cart? That is causing this [__] issue, guys? It's so [__] stupid!

• 1:15:22Speaker 02

  So it should be easier?

• 1:15:24Caleb Hammer?

  It's the dumbest thing for you guys to argue about. I don't understand. It's, don't get into it or do. Just like, come on, it's a [__] hobby.

• 1:15:33Speaker 03

  That could be a big business one day.

• 1:15:35Caleb Hammer?

  Could be, but it's not, and you guys don't make money, so just shut the [__] up. Yes, 36% interest. There you go. Figured it out. You just don't look at shit and you do it. So the big business could be someday. No, you're a big business for a firm.

• 1:15:49Caleb Hammer?

  Okay? That's what you're a big business for. Don't even look at the [__] shit you're doing. There's 18 things in her cart.

• 1:15:54Speaker 03

  That I'm not gonna buy.

• 1:15:56Caleb Hammer?

  Then why is it in your cart?

• 1:15:57Speaker 02

  So you just, you didn't look at the interest?

• 1:16:00Caleb Hammer?

  Wanna buy at 36% interest, because she's [__] that interest?

• 1:16:03Speaker 03

  I saw the total price that it gives, so it fits. It was like $26 extra, like, things like that.

• 1:16:08Caleb Hammer?

  Spending so much shit on the business on here, but it's just, listen, you're putting so much money into this business on Amazon, a firm. Here's your things, uh, from the Amazon cart. A lot of us do the business, a lot of it's not as well, but a lot of it is. And it's just so much stupid business. Here's your very, guys, her super special, nobody else does it, uh...

• 1:16:28Speaker 03

  I have not seen anybody else do cajeta.

• 1:16:30Caleb Hammer?

  Little sauce is a sauce from just Amazon that she gets that anyone else can get.

• 1:16:35Speaker 03

  But they don't.

• 1:16:36Caleb Hammer?

  So she's not, like, homemaking it, or like, what the...

• 1:16:39Speaker 03

  I'm homemaking my syrups.

• 1:16:40Caleb Hammer?

  They don't. They don't. That's why, that's why it doesn't have, like, 500 five-star reviews. Fuck you. Yes, people are getting her. Shut the [__] off. What are you talking about?

• 1:16:47Speaker 03

  I haven't seen any other coffee shop do a cajeta drink.

• 1:16:50Caleb Hammer?

  Girl, you live in a town with two restaurants. No shit, you're not seeing people do.

• 1:16:54Speaker 02

  Okay, so go to the coffee shop right down the street, then, and tell me that they have it.

• 1:16:57Speaker 03

  Yeah, they don't have it.

• 1:16:58Caleb Hammer?

  They? A singular coffee shop that I pick up?

• 1:17:00Speaker 02

  Yeah.

• 1:17:02Speaker 03

  Like, many, I've been doing a lot of research. Not many people do the cajeta. It doesn't matter. It's just, it's a flavor, okay?

• 1:17:09Caleb Hammer?

  What's it called? Cajeta mamada?

• 1:17:11Speaker 03

  Cajeta.

• 1:17:12Caleb Hammer?

  Cajeta mamada?

• 1:17:13Speaker 03

  Quemada.

• 1:17:14Caleb Hammer?

  Quemada, that's what the flavor's called?

• 1:17:15Speaker 03

  No, my, well, yeah, the, the cajeta, period.

• 1:17:19Caleb Hammer?

  Oh, there it is. Um, let's see. Uh, okay, in the area, there's Niana Coffee, Dama Cafe, Veracruz All Natural, which, by the way, that's not even like a [__]. That place is a chain. Brew at Home. Yeah, no, shut up. It's everywhere.

• 1:17:37Speaker 03

  Okay.

• 1:17:38Caleb Hammer?

  Girl, you're in Texas. It's everywhere. You are what Texas looks like. Not me, you! So don't, you can't say, "Did you research?" We just did that in two seconds.

• 1:17:49Speaker 03

  Just because a handful of them also do it doesn't mean all the other ones do it.

• 1:17:53Caleb Hammer?

  Okay, the goalposts are really being pushed now, aren't they?

• 1:17:55Speaker 03

  Okay.

• 1:17:57Speaker 03

  I do homemade syrups. Those are homemade.

• 1:17:59Caleb Hammer?

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• 1:18:39Caleb Hammer?

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• 1:19:20Caleb Hammer?

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• 1:19:54Speaker 03

  No, that wasn't a syrup. Like my actual syrups are homemade.

• 1:19:58Caleb Hammer?

  Oh my goodness, uh huh. One main financial, what's going on with this guys?

• 1:20:03Speaker 03

  Um.

• 1:20:04Caleb Hammer?

  This is insane, this is eighteen thousand seven hundred and ninety one dollars.

• 1:20:07Speaker 03

  All the debt we had before we got married and we had actually paid a lot of it off.

• 1:20:12Caleb Hammer?

  It doesn't make any sense, I don't understand doing that, listen, we have personal loans with incredible rates and everything at Calebhammer.com because I like good debt. But it doesn't make sense for people like you to get into and that's what I preach, I like credit cards, but not for you, you're not credit card people. This makes no sense, why consolidated debt if you're not going to fix your behavior because then you're just going to end up with double the debt.

• 1:20:30Speaker 03

  Yeah, at the time, uh, we were truck driving, oh, I was still truck driving. So, um, consolidating, we had gotten better at paying off debt, we had actually at that point.

• 1:20:40Caleb Hammer?

  Better, but I haven't fully fixed the behavior.

• 1:20:41Speaker 03

  Right, we didn't fully fix it, but we thought it was the right option to do at the time because we would just knock that out quickly.

• 1:20:49Caleb Hammer?

  So why if we have this high insane minimum to payment, high balance, probably bad interest rate, oh, really bad interest rate, basically a credit card at twenty four percent. If we have this, why the fuck are we opening businesses that don't make money and investing money in businesses and that investment, by the way, is all on twenty. Thirty four percent interest, thirty six percent interest rate debt. Why are we doing that if we can't even pay off the previous consolidation, huh? Huh? Can someone answer that? We can't even pay off the previous consolidation, so we take out an investment in a business at twenty six, thirty six percent interest? That doesn't make a penny, huh?

• 1:21:23Speaker 02

  That is a good question.

• 1:21:26Caleb Hammer?

  I think, yeah. Logical conclusion here, no, there isn't, where is it? Tell me, please, I can't find it.

• 1:21:31Speaker 03

  I think, um, we were desperately trying to figure out what to do in order to fix things.

• 1:21:37Caleb Hammer?

  That's not the answer, why, no, no, no, no, no, no, no, no, no, no, no, no, if you're desperately trying to figure it out, why is the answer take out a thirty six percent interest rate debt? On something that makes zero dollars, please.

• 1:21:46Speaker 03

  Building the business.

• 1:21:47Caleb Hammer?

  Instead of like, well, there is building a business which takes money of which you did a thirty six percent interest debt. That is an option out there, there is like other, another option called, get a job!

• 1:21:57Speaker 03

  I tried.

• 1:21:58Caleb Hammer?

  You tried, no one hired you?

• 1:22:00Speaker 03

  Literally.

• 1:22:00Caleb Hammer?

  Okay, go to another town, you guys bought in a town that has zero opportunity because you guys are.

• 1:22:04Speaker 03

  I was applying to jobs in the towns that were like an hour away.

• 1:22:08Caleb Hammer?

  Okay, then you have to move somewhere, you have to move to DFW or something, you have to move to places without productivity.

• 1:22:15Speaker 03

  For jobs in the DFW.

• 1:22:16Caleb Hammer?

  Then you're a broken individual or your resume is completely broken and you just need help.

• 1:22:20Speaker 03

  Probably.

• 1:22:21Caleb Hammer?

  Okay, everywhere, dude, double goat has it and there's silver goats all over Austin. Cafe Java has it, um, Plaza Colombian Coffee here has it, Dame Cafe.

• 1:22:31Speaker 02

  Good thing Widow's selling Austin then, okay?

• 1:22:33Caleb Hammer?

  But that's the thing, you're saying no one has it and that's just a little part, that's, Austin is the, uh, dude, even Fort Worth has higher population than Austin.

• 1:22:43Speaker 02

  Yeah.

• 1:22:43Caleb Hammer?

  This is a basic thing.

• 1:22:45Speaker 02

  Yeah.

• 1:22:46Caleb Hammer?

  San Antonio, Houston, Dallas, Fort Worth, all larger population cities than Austin.

• 1:22:53Speaker 02

  Right, but we don't live anywhere near those places.

• 1:22:55Caleb Hammer?

  No, it's an example because you said no one else does it, yes, even here in a smaller city, everyone else does it. So up near you, yes, there are places that are not special. How much was the church willing to pay?

• 1:23:07Speaker 02

  Area.

• 1:23:07Speaker 03

  Uh, it was gonna be twenty one an hour.

• 1:23:10Caleb Hammer?

  Why the fuck did you get that job?

• 1:23:12Speaker 03

  It was part time.

• 1:23:13Caleb Hammer?

  Good, that's what you need, you need a part time job on top of what you're doing instead of starting, starting this business.

• 1:23:18Speaker 03

  That was the goal and I was told not to take it.

• 1:23:20Caleb Hammer?

  By him?

• 1:23:20Speaker 02

  We just went over how I didn't tell you not to take it.

• 1:23:23Caleb Hammer?

  He didn't say that, he didn't say that, come on, we did go through that, so something, doesn't make sense, you're literally, you're thinking that's making zero dollars, you took out a lot of debt for, so it's like, obviously getting a job would be better than that.

• 1:23:34Speaker 03

  That was the only job in this entire time that I got.

• 1:23:37Caleb Hammer?

  Nope, actually you've made negative money, so nope.

• 1:23:41Caleb Hammer?

  You made negative money.

• 1:23:42Speaker 03

  I went to work as a delivery driver in a pizza place because there was nobody else hiring me.

• 1:23:46Caleb Hammer?

  Job, do that.

• 1:23:47Speaker 03

  Yeah, I did that and now I'm getting more money than I was doing that.

• 1:23:51Caleb Hammer?

  No, you'd be doing that and adjacent to what you're doing now, no coffee shop.

• 1:23:56Caleb Hammer?

  Again, your choice was, take out thirty six percent interest rate debt on something that doesn't make any money? Deliver pizza. Deliver pizza makes money, I would deliver pizza. Barely is still more money than debt. I don't understand, how could you not understand?

• 1:24:13Speaker 03

  I don't understand how you don't see that I'm still working a full time job like I was.

• 1:24:17Caleb Hammer?

  But instead of the coffee.

• 1:24:20Caleb Hammer?

  I'm saying, you keep the full time job here and instead of getting the coffee cart, you get the part time job. It's not against your full time job. How many hours a week you working? Not the coffee.

• 1:24:33Speaker 03

  It varies, it varies, it's lately, it's been, I do double shifts most of the time, five, six days a week.

• 1:24:40Caleb Hammer?

  How much?

• 1:24:40Speaker 03

  What is that like?

• 1:24:43Speaker 03

  Fifty, let's say fifty, sixty, fifty to sixty hours a week.

• 1:24:47Caleb Hammer?

  Dude, then you're fifty to sixty hours?

• 1:24:50Speaker 02

  No, I don't think that's because you're only working, you're not even working the full days.

• 1:24:53Caleb Hammer?

  So you make it sixty?

• 1:24:54Speaker 03

  I am working full days. I'm working, two of them are like full days and then the rest of the days are.

• 1:24:59Caleb Hammer?

  Dollars an hour?

• 1:25:00Speaker 03

  It's, I work on tips, I work on tips.

• 1:25:03Caleb Hammer?

  On average, you're making eight dollars an hour, then you need to, guys, you have to move somewhere, there is just a certain, there is a reality and it's capitalism, it's socialism too, because it's still connected with, it doesn't matter. That town's not entitled to have you, you're not entitled to have that town, you need to move somewhere with opportunities, that's the reality.

• 1:25:17Speaker 02

  Yeah.

• 1:25:18Caleb Hammer?

  Now that's it.

• 1:25:20Speaker 03

  But that means he leaves.

• 1:25:22Caleb Hammer?

  He makes no money, I don't give a, he'll go find literally a high school job in any large metro that will pay him double. And taxes?

• 1:25:30Speaker 03

  That's fine, if, once he gets to the point where he has a certification.

• 1:25:33Caleb Hammer?

  He's in a D two bullshit, he can go.

• 1:25:36Speaker 02

  But that's not like my issue, my issue is I just feel like I can't rely on you to do what you need to do in order to take care of your side of.

• 1:25:43Speaker 03

  I have been taking care of my side, bills have been getting paid.

• 1:25:46Speaker 02

  You just, we just went over how much the infer.

• 1:25:51Speaker 03

  There you go, breaking.

• 1:25:51Caleb Hammer?

  You didn't break, just put it on magnet, you know how, you know how magnets work?

• 1:25:55Speaker 02

  It's not very sticky, I just didn't think things would be falling apart here.

• 1:25:58Caleb Hammer?

  Sticky.

• 1:25:58Speaker 03

  Uh huh, we don't know that it's a magnet? It's not sticking.

• 1:26:02Caleb Hammer?

  Magnets are not sticky, they're magnets.

• 1:26:05Speaker 03

  I didn't know it was a magnet.

• 1:26:06Speaker 02

  So, we just went over how you took out all of that money on a firm for your business.

• 1:26:11Speaker 03

  Yeah.

• 1:26:12Speaker 02

  So I think that shows that I can't rely on you on terms of how the money is being spent. I trusted that you had it under control or knew what you were doing with that. I guess, I mean, I should have asked more questions whenever you said that you didn't have much more money left in a firm or you had so much in a firm. But that's, that's my fault for not asking, but I didn't think that over three thousand dollars was in a firm, not to mention the interest rate that was on top of that.

• 1:26:43Speaker 03

  I showed you everything I've done for the business.

• 1:26:45Speaker 02

  Money was being spent.

• 1:26:47Speaker 03

  And I showed you, I literally have shown you.

• 1:26:49Caleb Hammer?

  Sapphire preferred, what is this, what's going on?

• 1:26:52Speaker 02

  Uh, that, the leftover from that is pretty much what's like leftover from our wedding.

• 1:26:56Caleb Hammer?

  Put a wedding on, guys, you don't do anything else, not debt, it still takes two, six years to pay off if you do minimum to payments, now, you do a little more than that, which I don't even know if that's the right strategy when we have other things to pay off that are worse, i.e. a firm. Higher interest rate and lower balances, it makes sense to pay them off in both the avalanche and snowball method, so this makes no sense. But interest is accruing at thirty four dollars and fifty six cents, you owe one thousand five hundred forty dollars and nine cents at a forty nine dollar minimum to the payment. You've had, uh, I believe, two late fees this year so far.

• 1:27:27Speaker 02

  Yeah.

• 1:27:28Caleb Hammer?

  For why? What the fuck is wrong with you guys, pathetic?

• 1:27:33Speaker 03

  That's why I started paying the bills because he would have late fees a lot because he just forgets.

• 1:27:37Caleb Hammer?

  Reliable either.

• 1:27:38Speaker 03

  Yeah. At least I pay the things I need to be paid on time.

• 1:27:42Caleb Hammer?

  You're made for each other, neither of you are reliable in what you do.

• 1:27:45Speaker 02

  Too late payments isn't.

• 1:27:46Caleb Hammer?

  Yes, that's extra money that you then owe.

• 1:27:48Speaker 02

  Understand it was a mess up, but just say someone's reliable for just messing up once or twice.

• 1:27:54Speaker 03

  But it's happened a lot more than twice.

• 1:27:56Caleb Hammer?

  By the time of the fourth month of this year, which is when the statement came in, fifth month. So it's like, by, uh, continue that average, you'd be at like four, five by the end of the year.

• 1:28:05Speaker 02

  Right, and so it's.

• 1:28:06Caleb Hammer?

  Except not because she took it over because you're pathetic.

• 1:28:09Speaker 02

  Yeah, I just need to.

• 1:28:10Caleb Hammer?

  Can't manage it, can't even coach your own life.

• 1:28:12Speaker 02

  I was, I was trying to rely on her to help me out with that and.

• 1:28:16Speaker 03

  Which I do, I make sure that bills are paid on time.

• 1:28:19Caleb Hammer?

  Okay, freedom flex, why are we purchasing on a card that we're only making a minimum monthly payment that is accruing interest that we cannot pay off?

• 1:28:25Speaker 03

  I think no one's mine and it's groceries that I purchase on that card. I think.

• 1:28:31Caleb Hammer?

  Brookshires?

• 1:28:32Speaker 03

  Groceries.

• 1:28:32Caleb Hammer?

  Fourteen hours of groceries?

• 1:28:34Speaker 03

  That's how little groceries we buy at a time.

• 1:28:37Caleb Hammer?

  Allowed to get groceries.

• 1:28:39Speaker 03

  Probably when he was gone.

• 1:28:40Speaker 02

  I mean, it's not a strict rule, like she could go.

• 1:28:43Caleb Hammer?

  It sounded like it, it sounded like there's an extreme like a trust, okay, groceries aren't a thing you can't get, but why are you getting them on a card that you can't pay off that is accruing interest, that makes no sense. Why make it even get worse, why didn't you have any money, where's the money going? It doesn't make any sense.

• 1:28:55Speaker 03

  Bills.

• 1:28:56Caleb Hammer?

  Bills?

• 1:28:57Speaker 02

  It might have been just, no, I don't know.

• 1:28:58Speaker 03

  They're bills.

• 1:28:59Caleb Hammer?

  Okay.

• 1:29:03Speaker 03

  Or minimums.

• 1:29:04Caleb Hammer?

  Or like two hundred fifty dollars going out to eat, unknown shopping and another two hundred fifty dollars, miscellaneous bullshit, at least a hundred dollars, so potential bullshit, minimum six hundred dollars, how can you not have any money? There you go, spend it on bullshit, what the fuck are you talking about? Other large purchases, seven hundred forty five dollars, I don't even know what that is, it could be bullshit, it could be not, could be half, who knows? But at least six hundred dollars on bullshit? No shit, you didn't have any money.

• 1:29:26Speaker 03

  Yeah.

• 1:29:26Caleb Hammer?

  That's what happens if you spend money on bullshit!

• 1:29:31Caleb Hammer?

  One thousand one hundred eighty-two dollars fifty-one cents higher than your previous month because you spent.

• 1:29:40Speaker 03

  Yeah.

• 1:29:41Caleb Hammer?

  Doesn't matter if it's for groceries, you chose to put it on there and it's accruing interest. Can be hundreds by year end. What did you guys spend on that wedding that you had to put on a card?

• 1:29:52Speaker 03

  Oh, what was it?

• 1:29:53Caleb Hammer?

  Oh, you guys have credit one, of course you do.

• 1:29:55Speaker 03

  That was my first credit.

• 1:29:58Caleb Hammer?

  Fifteen thousand, dude, you guys couldn't afford that to save your lives.

• 1:30:01Speaker 03

  When, at the time.

• 1:30:02Caleb Hammer?

  Bro, it's not even that crazy, you guys just can't afford shit.

• 1:30:05Speaker 02

  At the time, we were.

• 1:30:07Speaker 03

  Truck driving.

• 1:30:07Speaker 02

  So it wasn't an issue.

• 1:30:09Caleb Hammer?

  Yeah, but why are we putting on debt and then we're still paying today?

• 1:30:11Speaker 03

  Because when we got those credit cards, they had like that special where like we get like five percent. So we ended up getting like a thousand something.

• 1:30:19Caleb Hammer?

  Yeah, but you did that, then you pay off the credit card. That's why you guys aren't credit card people.

• 1:30:22Speaker 02

  The job stuff like didn't happen, then it would have been paid off for and it would have been.

• 1:30:25Speaker 03

  Yeah, there was a plan. We were, we were really good.

• 1:30:28Caleb Hammer?

  Speeding tickets relentlessly and run over living things. Yeah, who would have thought? Okay, credit one, one of the worst credit cards ever, four hundred seven dollars ninety-eight cents, thirty dollar minimum payment, interest, fees, it's all. Yeah, credit one's the worst.

• 1:30:40Speaker 03

  Yeah, it was just my first credit. It was my first credit.

• 1:30:43Caleb Hammer?

  That was your first one?

• 1:30:44Speaker 03

  Mm-hmm.

• 1:30:44Caleb Hammer?

  Living the Mexican dream, aren't you? Okay, capital one.

• 1:30:49Speaker 03

  Yes.

• 1:30:50Caleb Hammer?

  Who's?

• 1:30:51Speaker 03

  Mine.

• 1:30:52Caleb Hammer?

  Okay, only making the minimum.

• 1:30:54Speaker 03

  Right.

• 1:30:54Caleb Hammer?

  Right?

• 1:30:55Speaker 03

  I also use that for groceries.

• 1:30:57Caleb Hammer?

  Why on an interest accruing card? Cause you don't hardly make money, cause we spent it all on bullshit. Three hundred ten dollars ninety-eight cents, twenty-five dollar minimum monthly payment.

• 1:31:07Speaker 03

  Very low.

• 1:31:07Caleb Hammer?

  Interest accruing, bullshit. Twenty-eight point nine nine percent interest of death. M, N, M, F. N, F, M, what is it?

• 1:31:19Speaker 03

  At a furniture store?

• 1:31:21Caleb Hammer?

  Why? Oh, you guys are just, your everything's wrong. Insurance premium, you got insurance in your seven-year payment plan furniture. Ah, you guys are.

• 1:31:30Speaker 03

  I got that when we were separated and I was making.

• 1:31:35Caleb Hammer?

  Go to Facebook. Yeah, so you should go to Facebook Marketplace regardless.

• 1:31:38Speaker 03

  But I.

• 1:31:38Caleb Hammer?

  Guys, your argument for I had money so I could get it, yet you still put it on a credit card. That makes no sense.

• 1:31:45Speaker 03

  I paid half of it upfront of the purchase I made. I didn't want to keep sleeping on the same bed.

• 1:31:51Caleb Hammer?

  Good, Facebook Marketplace. Fifty-six dollars. I know you wouldn't really need to or want to, but like when I moved down to Austin, I started sleeping on air mattresses for sixty-nine months while I was paying off debts. Then I went and got like a four hundred dollar mattress. It's not the greatest thing in the world, but I could, that's what I could afford. Do what you can afford, not what you can't.

• 1:32:11Speaker 03

  Could afford it.

• 1:32:11Caleb Hammer?

  No, cause you put it on a credit card. No, cause you put it on a credit card, just like your wedding. No, cause you put it on a credit card, shut the fuck up. Fifty-six dollar a month minimum payment, insurance premium on it, one thousand two hundred fifty-four dollars and nineteen cents owed.

• 1:32:25Caleb Hammer?

  Uh, is deferred interest accruing?

• 1:32:31Caleb Hammer?

  No, you're a group two, oh, you're getting interest accruing on it. Oh, because it's deferred and it will hit, oh, in like two months. Hundreds will be added to that balance, you guys are, and you didn't even know that, did you?

• 1:32:45Speaker 03

  No.

• 1:32:45Caleb Hammer?

  Of course not. Okay, United card, what's going on with this? Oh, we're spending on a card that we can't pay off. Is that for groceries?

• 1:32:53Speaker 02

  No.

• 1:32:54Caleb Hammer?

  Oh, great. Oh, basically max out a four sixty-seven, sixty-nine with the minimum monthly payment of forty and a five hundred dollar limit. What is it?

• 1:33:07Caleb Hammer?

  A spectrum, we put our utilities on a card that we can't pay off that is accruing interest? Why pay penalties on your, essentially, interest on your utilities? Why do that? It's stupid.

• 1:33:15Speaker 02

  I thought we were paying that off, like I thought that the money for the utilities was going on there and then we were just turning around paying that.

• 1:33:23Caleb Hammer?

  No, not with your forty dollar minimum payment. I mean, your utility payment is sixty-five dollars. It's just going up.

• 1:33:27Speaker 02

  Oh, that's where the internet is.

• 1:33:29Caleb Hammer?

  Interest accrues on that. And then also this card, it must have an annual fee of like two nineteen or you've had late fees or both.

• 1:33:35Speaker 02

  I got it canceled. I, well, it was supposed to get canceled.

• 1:33:38Caleb Hammer?

  Nope.

• 1:33:38Speaker 02

  We went to the bank to get it canceled and.

• 1:33:41Caleb Hammer?

  Nope. You guys are so irresponsible. You don't follow anything that's happening. It's okay, care credit, who's this?

• 1:33:47Speaker 03

  Mine, and it should be zero percent interest.

• 1:33:49Caleb Hammer?

  Well, so is your furniture thing, but there's deferred interest.

• 1:33:53Speaker 03

  Not on that one.

• 1:33:54Caleb Hammer?

  See what happens with this. Three thousand fifty-one dollars and five cents, what happened?

• 1:33:59Speaker 03

  That was, I had gotten Invisalign years ago.

• 1:34:01Caleb Hammer?

  Oh, my gosh, years ago, still paying for it, years ago, four years to pay off. You've paid interest of a hundred forty-one dollars this year.

• 1:34:09Speaker 03

  But, um, so there was like two months, once I lost my job, that I couldn't pay and I made a deal with them. They closed it down and they said it'll be zero percent interest.

• 1:34:18Caleb Hammer?

  Again, we have another credit one, who?

• 1:34:20Speaker 03

  Uh, mine.

• 1:34:21Caleb Hammer?

  Guys, this debt is extensive. It's both y'all's fault. Don't try to blame each other like you did in the beginning, you're both.

• 1:34:30Caleb Hammer?

  Three hundred nine dollars and fifty-four cents, ninety, uh, fifty-four cents with a minimum payment of, oh, we're past due. Oh, we're past due three months.

• 1:34:37Speaker 03

  That one, they had given me, uh.

• 1:34:40Caleb Hammer?

  Thirty dollar normal minimum payment, you owe ninety-nine because you're stupid.

• 1:34:43Speaker 03

  They, so we did a thing where the credit protection, the credit protection.

• 1:34:47Caleb Hammer?

  No.

• 1:34:48Speaker 03

  So they paid for the minimums for the past six months and it was supposed to keep going and it didn't keep going. And they didn't tell me that it didn't keep going.

• 1:34:57Caleb Hammer?

  Why should they have to tell you? Log in, manage your finances, use Dollar Wise.

• 1:35:02Speaker 03

  No, I did, I called them and I said, hey, like, can we get, uh, I need, I continue, need the help.

• 1:35:07Caleb Hammer?

  Behind.

• 1:35:07Speaker 03

  And they said, yes, that it was gonna continue to happen and it didn't.

• 1:35:10Caleb Hammer?

  Who has fifty-two thousand one hundred forty-two dollars to student loans? Why are you only out of fifty-six dollar a month? That, this is gonna accrue interest forever. You're never gonna pay that off.

• 1:35:20Speaker 02

  Yeah, I, I know.

• 1:35:21Caleb Hammer?

  Probably income based, cause you have no income, cause you're D two.

• 1:35:24Speaker 02

  Yeah. That's exactly, it's on income base. And so I was, I was making a chunk, a dent into it until.

• 1:35:34Caleb Hammer?

  We're leaping at what school do you work at?

• 1:35:37Caleb Hammer?

  Never heard of that.

• 1:35:39Speaker 02

  So part of the reason why like it's so much is that I, uh.

• 1:35:44Caleb Hammer?

  Why would they go D one? This is a money suck. Uh, kids are paying more for their college so they can be D one and fail at everything? It makes no sense. So stupid. So what degree did you get?

• 1:35:54Speaker 02

  Uh, communications and then a minor in kinesiology.

• 1:35:57Caleb Hammer?

  Sure, why not? Fifty-two thousand one hundred forty-nine dollars sixty-nine cents, minimum payment, of course, only, uh. More interest accrues, almost.

• 1:36:11Caleb Hammer?

  You, you, more interest accrues in ten days on this loan than you make on a minimum payment. Your minimum is fifty-six dollars and twenty-eight cents, income based, stupid. As of course, pathetic. Yeah, you literally just went D one, that's crazy.

• 1:36:30Caleb Hammer?

  The Southland Conference, I've never heard that in my life. Are they the worst conference in D one? They have to be.

• 1:36:36Speaker 02

  No, there's lots. There's lots of conferences in D one.

• 1:36:39Caleb Hammer?

  Are they the worst conference in D one?

• 1:36:41Speaker 02

  No, I don't think so. I mean, there's lots, I mean.

• 1:36:45Caleb Hammer?

  Have to be.

• 1:36:45Speaker 02

  No, there's plenty of other worse ones, just cause you have.

• 1:36:48Caleb Hammer?

  Aren't there like ten conferences?

• 1:36:50Speaker 02

  No, there's lots, there's lots of.

• 1:36:52Caleb Hammer?

  Well, I'm just thinking about the sports that matter.

• 1:36:54Speaker 02

  Sure, like I mean.

• 1:36:56Caleb Hammer?

  Football, hockey, baseball, basketball. Maybe soccer.

• 1:37:01Speaker 03

  Soccer.

• 1:37:04Caleb Hammer?

  So of the ones that matter, there's like football has power five, really power four now, really power two actually, and, uh. And then, uh, the group of five, of which the Southland does not exist.

• 1:37:17Speaker 02

  Right, so I mean, in terms of those, then yes, they're way worse than all of those.

• 1:37:20Caleb Hammer?

  Oh, shit, that's brutal, cause like I, I went to a group of five school and they weren't good.

• 1:37:25Speaker 02

  Yeah.

• 1:37:25Caleb Hammer?

  Great at hockey, decent at soccer, really bad at football, and you're telling me you're worse than them? Good luck. Why the fuck are kids having to pay more for that shit? That's pathetic.

• 1:37:36Caleb Hammer?

  Who has the Chase checking account?

• 1:37:39Speaker 02

  Mine?

• 1:37:39Caleb Hammer?

  Dude, you're literally negative three hundred seventeen dollars. You started negative fifteen. Divorce this man. This is the worst thing I've, I've, what, what checking account has ever ended with negative three hundred seventeen dollars on this show? That's crazy.

• 1:37:52Speaker 02

  Is that mine? Or is that yours?

• 1:37:53Speaker 03

  No, not mine.

• 1:37:56Caleb Hammer?

  Guys, this is insane. Bullshit, something closet, uh, Ace Hardware, zelling out money, this is.

• 1:38:04Speaker 02

  Oh, then that's mine then.

• 1:38:05Caleb Hammer?

  Recurring Netflix, zel, zel, zel.

• 1:38:10Speaker 02

  That's you, you have Netflix.

• 1:38:11Speaker 03

  Is that mine?

• 1:38:12Caleb Hammer?

  Oh, you're the divorce her. Appleville, Home Depot, Ross Stores, Marshalls, bullshit. Affirm, affirm, affirm, affirm, affirm.

• 1:38:21Speaker 03

  That's mine.

• 1:38:22Caleb Hammer?

  Home Depot. Restaurant, Feng Cha, firm, Amazon, affirm, affirm. Bullshit, stupid, affirm, recurring Appleville, started negative, ended more negative.

• 1:38:37Caleb Hammer?

  Some bullshit, you overdrafted like thirty times this year, this is insane. Your Chase, not even much better, started with six bucks, ended with fifty-five. Or actually, no, that was her savings, went from six bucks to fifty-five, even though she's overdrafting and losing all benefit. Your checking account ended with twenty-three dollars, not much better, Amazon, Amazon.

• 1:39:01Speaker 02

  I think that's you talking about the payments like what the charges so

• 1:39:05Caleb Hammer?

  Yeah, yeah, yeah, why?

• 1:39:10Caleb Hammer?

  Why exactly?

• 1:39:14Caleb Hammer?

  Seven weeks ago, is there a forty dollar payment to divorce service?

• 1:39:20Speaker 02

  Well, because it was on a monthly payment plan.

• 1:39:22Caleb Hammer?

  Oh, that's your previous. Oh, Peacock, Marketplace, Cable, AMC, bullshit, Sonic Drive-In, Midnight Craving. At least he's not going negative, but you're still spending all your money on bullshit. Stop it and get into bullshit. Probably some energy drinks, get gamer stuff instead. It tastes better, I promise. Amazon, Affirm, Zelle. So stupid, dude.

• 1:39:48Caleb Hammer?

  What? Oh, a car?

• 1:39:51Speaker 03

  Yeah, that's her car.

• 1:39:53Caleb Hammer?

  What is it?

• 1:39:54Speaker 03

  It's a GMC Terrain, twenty sixteen.

• 1:39:56Caleb Hammer?

  Fifteen percent interest rate?

• 1:39:58Speaker 03

  No.

• 1:39:59Caleb Hammer?

  Yes? No, that's the pay off. What's the interest?

• 1:40:01Speaker 03

  No interest.

• 1:40:02Caleb Hammer?

  So this is like to a family?

• 1:40:03Speaker 03

  A friend, yeah.

• 1:40:04Caleb Hammer?

  Great. Five thousand nine hundred fifty dollars. Uh, minimum payment, you sometimes do two fifty, two hundred, three hundred, three hundred, three hundred? Okay.

• 1:40:19Caleb Hammer?

  Fucking stupid.

• 1:40:23Caleb Hammer?

  Good death. Collections, thirty thousand dollars?

• 1:40:26Speaker 02

  Yeah.

• 1:40:27Caleb Hammer?

  For something? A car? You got repoed?

• 1:40:31Speaker 02

  Mm-hmm.

• 1:40:32Caleb Hammer?

  Of two repos, of course you guys did. You're made for each other.

• 1:40:36Caleb Hammer?

  City, uh, yeah, so thirty thousand repos, insane.

• 1:40:41Speaker 03

  That's just one.

• 1:40:44Caleb Hammer?

  What's your other repo?

• 1:40:45Speaker 03

  Oh, both of them are under him.

• 1:40:47Caleb Hammer?

  Five fifty-nine, stupid.

• 1:40:48Speaker 03

  Yeah, both of them are under him. What was the?

• 1:40:50Caleb Hammer?

  Here's the mortgage. Add a seven point three percent interest rate. She's, yeah, I would sell this. You'd get a lower rate anyway. Well, maybe not with your guys' credit. One hundred seventy-two thousand, six hundred fifty-seven dollars and thirty-four cents. What's the house worth?

• 1:41:03Speaker 03

  We bought it for one seventy-nine.

• 1:41:06Caleb Hammer?

  Monthly payment, one thousand seven hundred fifty-one dollars. FHA. Alright, guys.

• 1:41:11Speaker 03

  So even if we wanted to sell it, we can't until next year, because we gotta wait three years, otherwise we pay the

• 1:41:17Caleb Hammer?

  Why'd you guys do that? Why? Harm yourselves with the home purchase. Americans' obsessions hurt them constantly. It's so stupid. It makes no sense. You guys are financial morons. I'm so done. I'm so done. So income, well, your side job doesn't count, four thousand one hundred. Alright, let's get these debts. Obviously, we know the mortgage. That is one thousand seven hundred fifty-one. Collections, nothing. Could sue you for that, should sue you for that. You know they'll garnish your wages potentially. They'll get a court order. Seen more and more of that on the Caleb Hammer Show, link below. People are loving that.

• 1:41:54Speaker 03

  We thought that they're like insurance or whatever, um,

• 1:42:00Caleb Hammer?

  What?

• 1:42:00Speaker 03

  Took care of that when cars get repoed. And it just like shits on the credit and disappears.

• 1:42:08Caleb Hammer?

  No, as far as I know. I don't know what you're talking about. Is there something I'm missing here? Something different happened that I wasn't aware of?

• 1:42:15Speaker 02

  No, we, our, my thought was we can barely afford it as is, like we couldn't. So we had to do something to get rid of it. And I'm gonna follow up with them to see what I need to do to like do like low monthly payments.

• 1:42:29Caleb Hammer?

  Guys, what's your gas, electric, utilities, everything combined?

• 1:42:34Speaker 03

  Uh,

• 1:42:36Speaker 02

  Three hun- three, three hundred, three hundred to four hundred?

• 1:42:38Speaker 03

  Three hundred, yeah, three fifty.

• 1:42:41Caleb Hammer?

  Okay. Phone bill?

• 1:42:43Speaker 03

  Three seventy-five.

• 1:42:45Caleb Hammer?

  What's wrong with you guys? Once you pay off your phone, switch to helium. If T-Mobile's getting in your area, it follows that same kind of service.

• 1:42:51Speaker 02

  That's with your family and everything, right?

• 1:42:52Speaker 03

  Yeah.

• 1:42:53Caleb Hammer?

  Well, do they pay you? Oh, my goodness.

• 1:42:56Speaker 03

  When I can't pay.

• 1:42:57Caleb Hammer?

  Gas, vroom, vroom, drive, drive, how much?

• 1:43:00Speaker 03

  It ends up being about sixty a week. No, not even. Two fifty a week, because we don't drive that much.

• 1:43:08Caleb Hammer?

  Two fifty?

• 1:43:09Speaker 02

  Fifty.

• 1:43:10Speaker 03

  Fifty a week.

• 1:43:10Speaker 02

  Fifty.

• 1:43:10Caleb Hammer?

  Oh, okay, two hundred bucks. Car insurance?

• 1:43:13Speaker 02

  One sixty-three?

• 1:43:16Caleb Hammer?

  Guys, your house is literally worth, yeah, what you bought. Like, you would have to write a check to sell your house. Even after the three-year thing. Okay, uh, necessary food, six hundred bucks. Use the meal plan, use the meal prep. That's based on AGB pricing. It's perfectly fine. Walmart, all that good stuff works. TP fund, anything else need to survive? Total paper toothbrush. Changes every single month what the category is for, but it is two hundred dollars. Medical, healthcare, they're copays monthly basis.

• 1:43:40Speaker 03

  Oh, um, yeah, so it goes through his, um,

• 1:43:42Caleb Hammer?

  What's the copays on a monthly basis?

• 1:43:44Speaker 03

  Uh,

• 1:43:45Speaker 00

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

• 1:44:14Speaker 03

  Twenty?

• 1:44:15Caleb Hammer?

  What, gym? Is there a gym?

• 1:44:17Speaker 02

  No.

• 1:44:18Caleb Hammer?

  Okay, subscriptions, I'll try to give forty bucks. You have any pets?

• 1:44:20Speaker 03

  Yes, two.

• 1:44:21Caleb Hammer?

  What?

• 1:44:22Speaker 03

  Uh, two Marky Boos.

• 1:44:24Caleb Hammer?

  Hundred dollar pet insurance, how much for pet food?

• 1:44:29Speaker 03

  Fifty a month.

• 1:44:30Caleb Hammer?

  Okay, anything else that needs to be in this budget that I have not taken into account for?

• 1:44:35Caleb Hammer?

  If, if you guys even break even, I will be so surprised. If you do.

• 1:44:43Caleb Hammer?

  These are some big numbers. Oof, these are some big numbers.

• 1:44:46Speaker 03

  We've considered bankruptcy.

• 1:44:48Caleb Hammer?

  Well, that literally might be the only option. Yeah, you guys are underwater by a thousand, by four hundred a month. A thousand three hundred. Um, no, not bankruptcy, unless you can follow your budget and actually prove you changed your behavior for at least a quarter, for three months. If not, you'll end up back here on the show again in two years. We've seen it before from other bankruptcy people. Oh, yeah, we've seen it before. You're not special. So you have to change your behavior or some consolidations. Those work too, but you gotta change your behavior first. Or better yet, listen. Even just renting somewhere cheap in a place with opportunities, while you pay on this mortgage for a year, then cut your loss, learn the lesson, and literally just go make as a household eight thousand dollars a month, because you too easily can.

• 1:45:35Caleb Hammer?

  And you'll be fine. You'll be able to pay off this debt a few years. And then shut the fuck up and don't make these mistakes again. You guys live in the literal middle of nowhere. Tyler's the closest large town, but I have your address pulled up and you're literally nowhere. Like, you have to move to a place with opportunity. This is the reality of the situation. This is pathetic. That's it, guys. That's it. Hammer Financial Score. Yes, this is, you guys are spending in a budget, you overspend, zero out of ten. Debt, there's collections, zero out of ten. Emergency fund, there's nothing, zero out of ten. Retirement, I didn't see anything, zero out of ten. Real estate, at least you have something, but it's break even. You have no equity position. You would have to

• 1:46:18Caleb Hammer?

  at least you're in the market, that's what matters, but it is still not great. Three out of ten. It's the only thing that's gonna give you anything and not be a zero. Hammer Financial Score, rounded up, just barely one out of ten. Get yours at CalebHammer dot com. Join us for the post-show. There's some interesting things we're gonna talk about. Listen, a hundred twenty thousand active members for a reason. Three premium shows every single day, six days a week. It is the best there is. Click join to join here on YouTube, or you can go on the Hammer Elite app or HammerElite dot com, wherever you want to be. Same membership in all places. Love you, see you in the post-show. Show me your resume.

• 1:46:48Speaker 03

  I thought it was a great resume, everybody. I showed

• 1:46:50Caleb Hammer?

  Well, that's why you're not getting the job. She's a, she's a, she's a server. She has a two-page resume.

• 1:46:55Speaker 03

  No, but the

• 1:46:56Caleb Hammer?

  How can you tell me you think this is a good resume?

• 1:46:59Speaker 03

  I haven't been a server before.

• 1:47:00Caleb Hammer?

  Shut the fuck up. You should have a one-page resume.

• 1:47:03Speaker 03

  Okay.

• 1:47:03Caleb Hammer?

  You're not a C-suite. That's one of the most hilarious resumes I've ever, that was almost worse than Brent's. I just launched the brand-new Hammer Elite app, available on every major platform. So you can watch every show anywhere you want. You'll get three exclusive dedicated shows every single day, Monday through Saturday. Refer a friend after you sign up, and you get an additional thirty days of Hammer Elite access for free. Download the Hammer Elite app by using the link in the description or pin comment down below. This is the best membership you'll ever join, and that's a promise.