She Left Him On Financial Audit

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

• 0:01Speaker 00

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• 0:26Speaker 01

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• 0:54Caleb Hammer?

  You have any other baby mamas?

• 0:55Speaker 03

  Yes, he does.

• 0:56Caleb Hammer?

  Do you actually?

• 0:57Speaker 03

  I already told him I give him six months.

• 0:59Caleb Hammer?

  No, no, no, no, you've given him three and a half years. Man being arrested.

• 1:03Speaker 03

  I know.

• 1:03Caleb Hammer?

  A man who's a scammer for a living.

• 1:05Speaker 04

  Caleb, just give him my phone.

• 1:06Caleb Hammer?

  Why?

• 1:06Speaker 04

  Caleb, give him my phone.

• 1:07Caleb Hammer?

  Or what? Literally texting this girl like nine in the morning.

• 1:09Speaker 04

  Oh my God.

• 1:10Speaker 03

  Because you keep going back and saying, oh, I'm gonna be loyal. I'm gonna be a godly man. I'm gonna change.

• 1:15Speaker 04

  I've been trying.

• 1:16Speaker 03

  It's not that hard to not cheat.

• 1:18Caleb Hammer?

  This guy is a piece of shit in every way whatsoever.

• 1:21Speaker 04

  You can leave.

• 1:24Caleb Hammer?

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• 1:55Caleb Hammer?

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

• 2:16Speaker 03

  Hi, I'm Isabella. I'm 22.

• 2:18Speaker 04

  What's up? I'm Connor, 27. We live in San Antonio, Texas.

• 2:21Speaker 03

  And this is Financial Audit.

• 2:24Caleb Hammer?

  Thanks for coming up to Austin, guys. Glad to have you here. Isabella, what do you do down in San Antonio for a living?

• 2:31Speaker 03

  Stay at home, mom.

• 2:32Caleb Hammer?

  Oh, okay, sure. Well, listen, I mean, that's sometimes what couples agree on, and it works if it works.

• 2:40Speaker 03

  It does work.

• 2:41Caleb Hammer?

  It does work. Well, that's, that's good to hear. How many kids you guys got? What are the ages?

• 2:45Speaker 03

  He's two.

• 2:46Caleb Hammer?

  Okay, so two, okay, so we're not putting him in daycare yet, but in grade school. When he goes to grade school, are you gonna go back to work?

• 2:51Speaker 03

  Yeah.

• 2:51Speaker 04

  He's not gonna go to regular school.

• 2:53Speaker 03

  He doesn't want him to go to, he wants me to do stay-at-home everything all the time.

• 2:56Speaker 04

  I'm not just saying stay at home, but like not regular school.

• 2:59Caleb Hammer?

  Well, it's, okay, the alternative being, because there's a lot of alternatives, so which one are you pitching?

• 3:05Speaker 04

  Just like a more advanced, maybe, private education thing, like.

• 3:09Caleb Hammer?

  Oh, so bro makes money. Connor, what do you do for a living in San Antonio?

• 3:13Speaker 04

  I'm a sales manager.

• 3:14Caleb Hammer?

  Yeah, no, no, dude, sales is great. I made a lot of money in sales.

• 3:18Speaker 04

  Did you?

• 3:19Caleb Hammer?

  What are you selling?

• 3:19Speaker 04

  Yes. Used cars.

• 3:21Speaker 05

  If you're dumb enough to buy a new car this weekend, you're a big enough schmuck to come to Big Bill Hell's car.

• 3:27Caleb Hammer?

  Oh, well, I mean, no, no, I mean, there's definitely still money potentially. What are you making?

• 3:35Speaker 04

  It just depends. I mean, you've, you've been in sales.

• 3:37Caleb Hammer?

  Of course it does, but I knew what my average month was.

• 3:40Speaker 04

  I mean, average, again, just depends, like, you know, in sales, there's not really like an average, it's kind of like.

• 3:45Caleb Hammer?

  I was able to at least know what my minimum target was, the minimum I'd bring home on a monthly basis. Do you have a minimum you bring home on a monthly basis?

• 3:53Speaker 04

  It would be like a different minimum per month, you know?

• 3:56Caleb Hammer?

  No shit. I'm saying the minimum that you immediately shoot for, like, you're like, okay, no matter what, I know I'm gonna bring this in and everything on top of it's exciting.

• 4:04Speaker 04

  Yeah, I would say it can be anywhere from like 2,500 or 13,000, 14,000, like that kind of thing.

• 4:12Caleb Hammer?

  And how often is the 14,000 month?

• 4:15Speaker 04

  Probably more often than not.

• 4:17Caleb Hammer?

  And how often is the 30,000 hour?

• 4:20Speaker 04

  I mean, we could, we could probably just sum it up to like 120 annually, like.

• 4:25Caleb Hammer?

  Okay, I can accept that. That's pretty good money. Private school money, it depends. I mean, San Antonio, as far as major cities go in Texas, definitely on the lower cost of living side. So you guys are doing great with 120,000 hours a year. Private school, I think, is gonna start definitely draining us. I don't really, but listen, we have a few years.

• 4:44Speaker 04

  It doesn't necessarily have to be like a private school, but like a private teacher, just some form of like a different alternative.

• 4:50Caleb Hammer?

  To full school?

• 4:51Speaker 04

  To like public school, yeah.

• 4:53Caleb Hammer?

  He can't go to public school and get tutoring on site?

• 4:55Speaker 04

  I mean, and still, like, as far as the money goes, like, I can budget it.

• 4:58Caleb Hammer?

  Yeah, like I. The guy who talks and runs the money.

• 5:01Speaker 03

  He just doesn't want him in public anything.

• 5:03Caleb Hammer?

  To learn more.

• 5:04Speaker 04

  Yeah, I mean, like, cause as far as.

• 5:06Caleb Hammer?

  Why? What's wrong with public?

• 5:07Speaker 06

  If you would just get up and teach them instead of handing them a freaking packet, yo.

• 5:12Speaker 04

  I mean, just as far as the money goes, like, that's not the issue. Like, I know how to manage that.

• 5:16Caleb Hammer?

  That's great. What's wrong with public? There's more of you there?

• 5:20Speaker 04

  There's more of me? What is that supposed to mean?

• 5:21Caleb Hammer?

  I'm asking you, what's wrong with public? We're not there yet, but I just want to know.

• 5:25Speaker 04

  What's not wrong with it, all right? Like, have you?

• 5:27Caleb Hammer?

  What an incredible argument. How about you give me actual points?

• 5:30Speaker 04

  Social media and like what goes on in schools.

• 5:32Caleb Hammer?

  Everything off of social media, that's very healthy.

• 5:33Speaker 04

  What goes on in schools, though? Like, how, what happens to these kids when they go to school, you know what I mean?

• 5:37Caleb Hammer?

  Okay, what happens to kids when they go to private school? Have you seen social media?

• 5:40Speaker 01

  Jumping, low throw, it's caught.

• 5:44Speaker 04

  Well, I'm trying, I'm trying to tell you, right?

• 5:47Caleb Hammer?

  And what happens when they go to Catholic school? They get diddled. Have you seen social media?

• 5:50Speaker 04

  That's why none of those are gonna happen. It's, we're gonna have to go through a very extensive verification process.

• 5:56Caleb Hammer?

  They are lunatics that don't know how to interact with humans.

• 5:59Speaker 03

  Exactly.

• 6:00Caleb Hammer?

  Okay, but the extremes happen everywhere, is what I am saying. Yes, it is true.

• 6:05Speaker 04

  Well, not for every kid, no.

• 6:07Caleb Hammer?

  Exactly, not every kid gets shot in a public school.

• 6:10Speaker 04

  Okay, not every kid gets shot. I'm not talking about getting shot.

• 6:12Caleb Hammer?

  He just wants to be homeschooled so you can't leave? Like, I'm confused.

• 6:15Speaker 04

  No, no, not at all. She, she can leave. I would prefer her to leave, right?

• 6:19Caleb Hammer?

  Okay, prefer her.

• 6:20Speaker 04

  Again, the situation just boils down to the fact that, like, as a parent, it's your job to create the easiest path for your child that you can.

• 6:29Caleb Hammer?

  Easiest path? Is that really good? You want your kid to have no resistance, no learning skills?

• 6:33Speaker 04

  No resistance or no learning skills, but I'm not gonna put them, I'm not gonna put him in a position to where he's gonna be surrounded by things that aren't gonna benefit him.

• 6:41Caleb Hammer?

  Uh, okay, so learning opportunities potentially, but.

• 6:45Speaker 04

  Yeah.

• 6:47Caleb Hammer?

  Yeah, we don't want those.

• 6:48Speaker 04

  Yeah, I mean.

• 6:49Caleb Hammer?

  I still don't understand, listen, this isn't the part of the conversation, I just, I'd really like you to articulate, what is gonna be bad about public school? Besides, have you seen social media?

• 6:57Speaker 04

  Yeah, I mean.

• 6:57Caleb Hammer?

  Can you give some things?

• 6:59Speaker 04

  In public school, I mean, obviously, it depends on the area that you're in, obviously, right? So, I mean, but still, just going to public school, man, you're just exposed to so many stupid kids.

• 7:09Caleb Hammer?

  Buddy, that's gonna happen everywhere, and I would dare say, if they were homeschooled, they would be exposed to at least one stupid parent.

• 7:16Speaker 04

  Well, no, not, not just that, and then there's too much government involved in public school.

• 7:20Caleb Hammer?

  In public schools, yeah.

• 7:21Speaker 04

  All these rules and stuff that, right?

• 7:23Caleb Hammer?

  What rules bother you?

• 7:24Speaker 04

  It's like this stuff, like, kids have to keep up certain standards for public school.

• 7:29Caleb Hammer?

  Oh, it's bad to have your kid meeting reading standards?

• 7:33Speaker 04

  No, like, the type of material that they're being taught, when they're being taught, the way that they have to.

• 7:38Caleb Hammer?

  Which ones?

• 7:39Speaker 04

  Go through it.

• 7:39Caleb Hammer?

  Please tell me.

• 7:40Speaker 04

  I don't know, I feel like, like, I never used anything that I learned in school.

• 7:43Caleb Hammer?

  Clearly.

• 7:44Speaker 04

  You know what I mean?

• 7:46Caleb Hammer?

  I mean, no offense, buddy, I worked in sales, you worked in sales.

• 7:49Speaker 04

  Definitely a fan.

• 7:50Caleb Hammer?

  Working sales.

• 7:52Caleb Hammer?

  Yeah, sales is for the.

• 7:54Speaker 04

  Sales is the only industry that you can go into and.

• 7:57Caleb Hammer?

  I agree, I love sales, but a lot of the people I've met in sales are, and it works. I mean, I'm sorry, and you're, I mean, you're the manager.

• 8:06Speaker 04

  Yeah.

• 8:08Speaker 03

  And he just became the manager.

• 8:10Caleb Hammer?

  So that's like, yeah, so, yeah, I, yes, you've never used things beyond basic math and communication skills, I know.

• 8:17Speaker 04

  Yeah, but that's all that, that you need to survive in life, like, you don't need to.

• 8:21Caleb Hammer?

  Completely, if he goes directly into sales, sure, maybe, is it, he, I don't know.

• 8:25Speaker 03

  Yes.

• 8:25Caleb Hammer?

  Okay, oh, yeah, I met him, no, it was a cutie. And, um, but like, what if he wants to be an engineer, or a doctor, or a nurse, or a teacher, like, things would be.

• 8:35Speaker 04

  He wouldn't be a teacher, but like.

• 8:37Caleb Hammer?

  He doesn't get that choice?

• 8:38Speaker 04

  No.

• 8:39Speaker 03

  To him, no. He doesn't even want me to finish high school.

• 8:42Caleb Hammer?

  Something really against teachers.

• 8:44Speaker 04

  No, I mean, not anything.

• 8:44Caleb Hammer?

  You'd have finished high school.

• 8:45Speaker 03

  He doesn't even want me to, like, go and get my GED or anything like that.

• 8:48Speaker 04

  Finish high school on her own, that has nothing to do with it.

• 8:50Speaker 03

  That's not what I'm saying. What I'm saying is, you don't even want me to go and get my GED, because you say that it's useless.

• 8:54Caleb Hammer?

  A mother without a GED is gonna be homeschooling the kid.

• 8:59Caleb Hammer?

  Incredible future for this young tyke.

• 9:05Speaker 04

  Well, I mean, that has nothing to do with it.

• 9:07Caleb Hammer?

  I would say that has a lot to do with it, because she'd be homeschooling, but, okay. So still, really, no, what about, what are they being taught that concerns you, though?

• 9:17Speaker 04

  Dude.

• 9:18Caleb Hammer?

  Because maybe there's a valid argument, I would just like to hear it.

• 9:20Speaker 04

  Yeah, I mean, so like, obviously, like, just the, the fact that, like, kids don't need to learn certain stuff about the social studies.

• 9:28Caleb Hammer?

  Social studies, so creating a population that is able to discern what's going on out there when it comes to voting for potential policies is a bad thing.

• 9:37Speaker 04

  Voting is pointless anyways. That's a whole nother topic.

• 9:40Caleb Hammer?

  Not true.

• 9:40Speaker 04

  That's entirely true.

• 9:41Caleb Hammer?

  How is that true?

• 9:43Speaker 04

  It's entirely.

• 9:43Caleb Hammer?

  What's pointless?

• 9:44Speaker 04

  Like, I've never voted. Has it made a difference? Are, are, are they coming down, asking me for like, oh, we need you to vote?

• 9:49Caleb Hammer?

  We have a very tight race in Texas, it's about to happen in a week from now, dating this film.

• 9:53Speaker 04

  Yeah, and I guarantee that my vote or non-vote isn't gonna make a difference in that.

• 9:57Caleb Hammer?

  Okay, well, it actually literally does, because there have been Florida elections where the presidential election has come down to literally a handful of votes. And in Texas, that might happen for the control of the Senate.

• 10:08Speaker 04

  They're all the same people. They're all the same people.

• 10:10Caleb Hammer?

  Tax cuts because of the current administration, and if Kamala was in, I would not have the tax cuts. But also, we would probably have lower fuel costs because we wouldn't be in a war with Iran. So there are different things that happen.

• 10:20Speaker 04

  At the end of the day, they're all playing for the same team.

• 10:22Caleb Hammer?

  That's not true.

• 10:23Speaker 04

  It's them against us, regardless. That's it.

• 10:27Caleb Hammer?

  Hey.

• 10:27Speaker 04

  So voting, it doesn't matter, you're, you're voting for the same team.

• 10:30Caleb Hammer?

  Tax policy is objectively different between both administrations. AI regulation is objectively different between, there are people running on anti-growth policies that want to eliminate data centers across the country. Not even moratorium, eliminate.

• 10:44Speaker 04

  But whatever they want to happen is gonna happen regardless.

• 10:46Caleb Hammer?

  No!

• 10:47Speaker 04

  Yes, it is.

• 10:48Caleb Hammer?

  What are you talking about?

• 10:49Speaker 04

  What do you mean? What do you not understand?

• 10:50Caleb Hammer?

  If the governor of Texas is a growth person or a degrowth person, bad example, because they're, neither of them are complete degrowth people, but there are like degrowth senators, absolutely, running across the country, and if they're in power, they absolutely can push policy through that harms the United States of America.

• 11:10Speaker 04

  So what's your political background to make you such like a master about this topic?

• 11:13Caleb Hammer?

  Master? I just vote for things that I think benefit the United States. And I get that through learning about the history and economics, which you learn in social studies and economics, meaning that a well-rounded voting population is not a bad thing.

• 11:26Speaker 04

  Right, but it, again, it doesn't really make that big of a difference, but also, that's, that's completely different.

• 11:31Caleb Hammer?

  It objectively does. Tax policy and growth policies.

• 11:33Speaker 04

  That is completely different than learning who sailed a boat across the ocean, all right, like, two different things.

• 11:40Caleb Hammer?

  You're talking about the Mayflower? The five minutes where you learn about that?

• 11:43Speaker 04

  I don't fucking know, I didn't pay attention to that.

• 11:45Caleb Hammer?

  Social studies goes through a lot of wars and you can learn about, like, the absolute consequences and calamity that was the Vietnam War and how stupid shit like that is. And maybe if more people learned about it, we wouldn't be like, oh, let's be in this war that even Republicans hate right now.

• 11:59Speaker 04

  Still, knowing about that isn't gonna do anything for the kid, so let's just leave that.

• 12:03Caleb Hammer?

  Okay, that's great. So he wants his kid to be.

• 12:06Speaker 04

  No, I don't. I want my kid to, we're gonna, he's gonna take a path to where that he's either gonna go.

• 12:11Caleb Hammer?

  Determined by daddy.

• 12:13Speaker 04

  Yes.

• 12:14Speaker 03

  And he went to high school and finished high school, so, I mean.

• 12:16Speaker 04

  Well, that, that's the best way to set your kids up for success.

• 12:19Caleb Hammer?

  They don't get to choose at all?

• 12:21Speaker 04

  No, it's not about not choosing at all, but pushing them in the right direction.

• 12:24Caleb Hammer?

  What is kid allowed to do?

• 12:26Speaker 04

  To be a kid, until he gets to about like 10, you know?

• 12:29Caleb Hammer?

  And then what? What paths is he allowed to have?

• 12:31Speaker 04

  And then it's time to take a professional avenue, we're gonna explore all.

• 12:34Caleb Hammer?

  Professional. Clearly, he can't decide what he wants.

• 12:37Speaker 04

  Golf, basketball, motocross, something that's like that, X Games.

• 12:41Caleb Hammer?

  But he can't be in the public schools, which is where a lot of the professional athletes come from, by the way, because they can compete on the highest level.

• 12:46Speaker 04

  Yeah, well, that's fine, but he doesn't need to go to public school for that, because actually, actually, most of the top NBA players come from private schools.

• 12:52Caleb Hammer?

  Okay, so NBA, is that his only choice? You are tall, I guess.

• 12:56Speaker 04

  No, it's not the only choice, that's why I said golf. I know we're talking, like, you gotta listen to, but golf, motocross.

• 13:02Caleb Hammer?

  Motocross? Oh my.

• 13:03Speaker 04

  Yeah, there's a whole bunch of other options that are out there.

• 13:06Speaker 03

  He's already gotten him a bike.

• 13:08Speaker 04

  How many public schools don't even offer like golf as, as an option? You know what I mean?

• 13:12Caleb Hammer?

  I think.

• 13:14Speaker 04

  No, they don't. No, they don't.

• 13:16Caleb Hammer?

  Dude, I thought, I, I, I would think so.

• 13:18Speaker 03

  I've never even heard of that.

• 13:19Speaker 04

  Only in certain, only.

• 13:20Caleb Hammer?

  You didn't graduate high school, you probably don't know what the is going on.

• 13:22Speaker 04

  Yeah, exactly. Only certain, like, areas of, you know what I mean, ethnicities, right, have golf.

• 13:32Caleb Hammer?

  What?

• 13:32Speaker 04

  So if you go to an area that's predominantly, uh, more of a different, clear race.

• 13:38Caleb Hammer?

  What are you talking about? It's all Mexican. What do you want?

• 13:40Speaker 04

  Unfortunately, yeah, but.

• 13:41Caleb Hammer?

  Unfortunately, why?

• 13:43Speaker 03

  Crazy.

• 13:45Caleb Hammer?

  At least they're immigrants who work.

• 13:47Speaker 04

  Hey, I'm not saying nothing about that, but.

• 13:48Caleb Hammer?

  No, we have an entire subsection that doesn't. I'm glad they at least provide and pay taxes.

• 13:53Speaker 04

  Hey, I mean, they're most of my customers, so I'm not complaining.

• 13:56Caleb Hammer?

  Are you not Mexican?

• 13:57Speaker 04

  No.

• 13:57Caleb Hammer?

  What are you?

• 13:58Speaker 04

  I'm black.

• 13:59Speaker 07

  And they're like, he's always bringing it up, he's always talking about it. But you know, the truth is, is I'm proud to be black.

• 14:04Caleb Hammer?

  I'm darker than you.

• 14:07Speaker 04

  No.

• 14:08Caleb Hammer?

  You just have more naturally curly hair.

• 14:10Speaker 04

  Yeah, it's natural, exactly.

• 14:11Speaker 03

  Yeah, when we matched on Tinder, I thought that he was Mexican.

• 14:14Speaker 04

  Because you're not Jewish.

• 14:15Caleb Hammer?

  Correct. Are you, or?

• 14:18Speaker 04

  No, I mean, I just would have assumed you're Jewish.

• 14:20Caleb Hammer?

  You have the bigger nose, so.

• 14:22Speaker 04

  No, I don't.

• 14:24Speaker 03

  Yeah, you do.

• 14:25Speaker 04

  I don't.

• 14:26Speaker 03

  Yeah, you do.

• 14:30Speaker 04

  All right.

• 14:31Caleb Hammer?

  Okay, for, so NBA has the highest private school rate, but it's still only 38.2%, so you said the majority come from private schools? No, it is 38%. That is the minority, which, did you take a statistics class?

• 14:45Speaker 04

  The best basketball players have come from private schools.

• 14:49Caleb Hammer?

  Oh, okay, pushing it. Okay. I guess how we define the best is?

• 14:53Speaker 04

  I mean, what do you define Kobe as?

• 15:00Speaker 04

  Anyways, anyways, all right, the only thing that matters, because I know you don't know about sports, you don't deal with the athletic stuff, all right? So that's not the point here.

• 15:08Caleb Hammer?

  What do you mean, I just don't know about sports? How are you just throwing things on me?

• 15:10Speaker 04

  I wanna put him into a better advantage for his future.

• 15:14Caleb Hammer?

  Well, clearly, statistically, because I think you would just rather him get to the NBA in general, right?

• 15:18Speaker 04

  That would be awesome.

• 15:19Caleb Hammer?

  Wouldn't that just be great? 38% come from private school, so.

• 15:21Speaker 04

  Yeah.

• 15:21Caleb Hammer?

  The minority.

• 15:22Speaker 04

  Yeah, I mean, I don't want him to be a guy that just sits behind a computer.

• 15:25Caleb Hammer?

  Pretend to know things about being a minority, but that is actually.

• 15:31Speaker 04

  What was that number again?

• 15:32Caleb Hammer?

  38%. Maybe you should have stayed in school.

• 15:36Speaker 04

  38%.

• 15:37Caleb Hammer?

  Yeah.

• 15:38Speaker 04

  I know more, and I do more than most people that I went to school with that graduated and did all these other things, so.

• 15:43Caleb Hammer?

  Probably not, you might make more, but do more? I, what?

• 15:47Speaker 04

  Do more and make more.

• 15:48Caleb Hammer?

  You sell used cars.

• 15:49Speaker 04

  Yeah.

• 15:50Speaker 03

  He sits on like tacos all day.

• 15:51Speaker 04

  Which is what this country needs, used vehicles.

• 15:55Caleb Hammer?

  Uh, okay, sure, maybe, I guess it might be good.

• 15:57Speaker 04

  Affordable option to getting a vehicle.

• 15:59Caleb Hammer?

  I wouldn't even consider used affordable, though, in this country. Like, I guess I'm on board with you, people are stupid for buying new cars all the time, sure, but, like, let's not pretend like that's affordable.

• 16:09Speaker 04

  Like, and especially because you, of all people, know that car debt is, what, like, the biggest debt that most Americans have? So by providing them with another option to buy a car.

• 16:20Caleb Hammer?

  Hold on, no, it's not. I believe it's credit card debt, mortgage, and student loans.

• 16:23Speaker 04

  I mean, I said like one of the biggest debts.

• 16:24Caleb Hammer?

  Oh, okay, I guess if we take like the five debt types you can even get, yeah.

• 16:28Speaker 04

  Yeah, I mean, most, most, most people get major debt from buying new cars.

• 16:33Caleb Hammer?

  Yes, and everything else.

• 16:34Speaker 04

  Especially young, young people, like, they're usually, besides school.

• 16:37Caleb Hammer?

  Buddy, I'm not criticizing your income here, it comes incredible. When you're saying you do more than most people, like, you make more. Like, yes, but let's not pretend like you do more, like, big contributor, right?

• 16:49Speaker 03

  No, you sit in an office on TikTok all day.

• 16:51Speaker 04

  We all give back to the community in, in our own ways.

• 16:53Caleb Hammer?

  How are you giving back to the community? Not supporting public schools?

• 16:56Speaker 04

  By providing alternate options for vehicle, for people to buy vehicles.

• 17:00Caleb Hammer?

  Okay, buddy, you're not a hero, that's your job, I don't know what to tell you. Like, that's, you got hired for that, you're not a hero.

• 17:07Speaker 04

  I've been doing it for nine years. I've been doing it for nine, it, it, actually, the way we do it, it is a service, because we do it different than other places, so.

• 17:13Caleb Hammer?

  Oh, you do it different? What do you do? Special guy?

• 17:16Speaker 04

  No credit checks, no proof of income.

• 17:18Caleb Hammer?

  He puts people in absolutely shitty, horrible loans.

• 17:23Speaker 04

  Not true. There's no loans, there's no banks. There's no banks.

• 17:27Caleb Hammer?

  So they can only buy cash?

• 17:29Speaker 04

  No. We finance in-house with no bank. Yeah, but not through a bank.

• 17:34Caleb Hammer?

  Doesn't, I don't, doesn't matter if it's through a bank. So you get people predatory, it's buy here, pay here lots.

• 17:40Speaker 04

  Yeah.

• 17:41Caleb Hammer?

  Those are predatory lots.

• 17:42Speaker 04

  No, it's not.

• 17:43Caleb Hammer?

  What? Those are the most predatory because it takes advantage of dis, like, people that are in shitty situations and put them in high interest rate loans.

• 17:52Speaker 04

  We don't have no interest.

• 17:54Caleb Hammer?

  You don't have no interest.

• 17:56Speaker 04

  We do it different. We do it different. How, how's that bad? There's no interest.

• 17:59Caleb Hammer?

  If you don't have no interest, that means they're very high interest.

• 18:02Speaker 04

  We don't run their credit. We don't ask for proof of income.

• 18:06Caleb Hammer?

  Are you trying to say, maybe, again, if we took a ninth grade English class, where are you trying to say you do not provide any interest? You have no interest?

• 18:17Speaker 04

  There is no interest rate on any vehicle somebody buys from us. We don't run their credit.

• 18:23Caleb Hammer?

  On the loan at all.

• 18:23Speaker 04

  There's no loan.

• 18:25Caleb Hammer?

  Yes, there is. You said you provide a loan.

• 18:27Speaker 04

  It's like, it's just like a handshake deal. Like, if, if, if, if I had a car that you wanted to buy and you were like, hey, bro, I'll give you $1,500 upfront for that car, and then just tell me what you want me to pay you every month for that car, and then when I have it paid off, you give me the title, and that's it. We do that on just a bigger scale. What do you not understand about buying a car without going through a bank?

• 18:49Caleb Hammer?

  It doesn't have to, you can finance with most institutions.

• 18:52Speaker 04

  We don't use banks.

• 18:53Caleb Hammer?

  Oh my gosh.

• 18:54Speaker 04

  I understand what you're saying, but at our company, we don't use banks. Because we try to help people.

• 19:00Caleb Hammer?

  I never insinuated that you do, by the way.

• 19:02Speaker 04

  We try to help people that can't go get traditional financing or just don't want to go get traditional financing.

• 19:08Caleb Hammer?

  Okay, but they finance through you.

• 19:10Speaker 04

  Yes.

• 19:11Caleb Hammer?

  Okay, now, when they finance through you, can I see the terms of one of the loans that you've recently made? It should be in your email. You should have access to it. Show me. Show me.

• 19:20Speaker 04

  I can't.

• 19:20Caleb Hammer?

  Why?

• 19:21Speaker 04

  Because I don't have it in my email.

• 19:22Caleb Hammer?

  Bullshit. Have, have a coworker send you one right now.

• 19:25Speaker 04

  It's all just paperwork, so.

• 19:26Caleb Hammer?

  Okay, take a picture. Have a coworker take a picture.

• 19:28Speaker 04

  What would you want to know?

• 19:30Caleb Hammer?

  Of the, the term that they're signing.

• 19:33Speaker 04

  We don't do any, any term over three and a half years.

• 19:35Caleb Hammer?

  That's not what I'm asking. No, no, no. I want to see the paperwork.

• 19:38Speaker 04

  I can't take a piece of paperwork.

• 19:40Caleb Hammer?

  You can show me, I'm not gonna show the world. The world won't see. I'll keep it private, they won't see it, but get a coworker to send a picture. Only I, only the people in this room will see it.

• 19:51Speaker 04

  Very basic.

• 19:52Caleb Hammer?

  Let me see it. Let me see it.

• 19:53Speaker 03

  He doesn't want anyone going on his phone.

• 19:55Speaker 04

  You would, no.

• 19:55Caleb Hammer?

  He doesn't have to even do that, he can show it to me.

• 19:58Speaker 04

  That's, that's not what I'm trying to tell you. It's like, it's not that easy to explain. It's, it's technically at least. It's technically at least.

• 20:04Caleb Hammer?

  Show me, don't explain it, show me.

• 20:05Speaker 04

  All right.

• 20:06Caleb Hammer?

  There we go, very good. And if it's technically at least, there's usually an actual little, nice little fee on top of it, baked in. So how are you doing? How's living with this creature?

• 20:17Speaker 03

  A lot.

• 20:18Caleb Hammer?

  Not a race thing. So we didn't even know?

• 20:21Speaker 03

  He argues a lot.

• 20:22Caleb Hammer?

  Mohammed, from all I know.

• 20:28Speaker 03

  He does look like that. Middle Eastern for sure.

• 20:30Caleb Hammer?

  Middle Eastern, Mexican.

• 20:32Speaker 03

  That's what I thought when I swiped.

• 20:33Caleb Hammer?

  Tam? I don't know.

• 20:35Speaker 03

  He gets darker sometimes.

• 20:36Caleb Hammer?

  Jew. Look at the nose.

• 20:39Speaker 04

  Jew is crazy.

• 20:40Speaker 03

  He could be a Jew.

• 20:40Caleb Hammer?

  Out of everything? That's what gets you?

• 20:43Speaker 04

  Yeah.

• 20:44Caleb Hammer?

  Okay, in Texas, seventy-five to eighty percent have golf programs, public schools, by the way, so you were just wrong on that.

• 20:49Speaker 04

  It's not wrong.

• 20:51Caleb Hammer?

  You said most don't?

• 20:53Speaker 04

  Yeah, most don't.

• 20:55Caleb Hammer?

  Seventy-five to eighty percent do.

• 20:57Speaker 04

  Yeah.

• 20:57Caleb Hammer?

  That's most. Hello and welcome to Mastering Statistics, Volume One.

• 21:02Speaker 04

  But not if you're in an underprivileged area, so...

• 21:05Caleb Hammer?

  The goalposts, how they push, how they move. Do you get that reference? It's a sports reference.

• 21:11Caleb Hammer?

  Alright, no response. So...

• 21:13Speaker 04

  I'm trying to find this.

• 21:13Caleb Hammer?

  You keep going, I'm gonna talk to her. So, uh... What's your involvement in the finances? I'm turning the fish tank light on real quick. Nothing?

• 21:21Speaker 03

  Literally nothing.

• 21:22Caleb Hammer?

  So, this man that must be right about everything, no matter what, at all time. No, you keep working. You keep working, hard worker. Uh, that must be right about everything, also wants to control everything.

• 21:32Speaker 03

  Pretty much. He doesn't give me any information about the money at all. If I ask him how much he has in the bank account, he asks me why I need to know.

• 21:40Caleb Hammer?

  Are you married?

• 21:41Speaker 03

  No.

• 21:42Speaker 04

  No.

• 21:42Caleb Hammer?

  You reproduced with a black man without getting married?

• 21:45Speaker 04

  Whoa!

• 21:46Speaker 03

  It was supposed to be a one night...

• 21:47Caleb Hammer?

  You're the one who said you were black.

• 21:48Speaker 04

  Yeah, but whoa!

• 21:49Speaker 03

  It was supposed to be a one night stand.

• 21:50Speaker 04

  The way you had to just insert, like, the black man.

• 21:53Caleb Hammer?

  You know the statistics, or maybe you don't. Cause you don't like statistics.

• 21:58Speaker 03

  Surprisingly, when I told him I was pregnant, he told me to come home and quit my job and...

• 22:02Speaker 04

  Would it be different if I was a white guy?

• 22:04Caleb Hammer?

  Statistically, yes, but more than anything, I was actually just joking. I was joking. Hee-haw, hee-haw. I was trying to before you got outraged.

• 22:13Speaker 04

  I mean, it's not the first time that, like, a white guy says something about black people, so, I mean, you can't, you know, take it all in the grain of salt.

• 22:19Caleb Hammer?

  I mean, come on, what's the stereotype?

• 22:20Speaker 04

  Yeah.

• 22:20Caleb Hammer?

  We were joking about a stereotype. What's the stereotype?

• 22:23Speaker 04

  Yeah, I mean, okay.

• 22:25Caleb Hammer?

  No? Okay. He doesn't want to tell me what the stereotype is.

• 22:29Speaker 03

  No.

• 22:30Caleb Hammer?

  It's usually impregnating a woman that looks like you, or fatter, and then... And then leaves.

• 22:35Speaker 04

  That's pretty accurate.

• 22:36Speaker 03

  No, actually, when I told him, he was all for it. He told me to come home, quit my job.

• 22:41Caleb Hammer?

  But good news, he's only five percent black, so it's only a five percent chance.

• 22:44Speaker 03

  I don't know about five percent.

• 22:46Speaker 04

  Alright, look.

• 22:47Speaker 03

  He's more white, looking.

• 22:48Speaker 04

  So, this top paragraph section is the like...

• 22:52Speaker 03

  He can't see it at the angle.

• 22:53Speaker 04

  I know, but I'm just telling him the top paragraph section is where they're like payments and stuff.

• 22:57Caleb Hammer?

  Thank you, I went to school.

• 22:58Speaker 04

  And then the bottom paragraph goes over more of the finance.

• 23:02Caleb Hammer?

  I just have to ask. I mean, have you ever been arrested? You f- really? Okay, yep, okay.

• 23:10Speaker 04

  Have I been arrested for what you're insinuating? No.

• 23:13Caleb Hammer?

  What have I insinuated?

• 23:14Speaker 04

  I don't know, you were just like...

• 23:16Caleb Hammer?

  Wait, what did I insinuate?

• 23:17Speaker 04

  That I'm a black guy dating a white girl and have I been arrested?

• 23:21Caleb Hammer?

  Why would they arrest you for that? You suck with money, so you download a budgeting app. You start with the classic one, YNAB, but everyone just deletes it because it's way too complicated to use. So you go to EveryDollar, that's Dave Ramsey, the personal finance guy, right? Well, they're gonna force you to use it his way. That's not very personal finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they wanna sell you in the end? Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far, but private equity doesn't have the best track record when it comes to private data. That's why I like Dollar Wise. Bills pay these people just like you for people just like you.

• 24:03Caleb Hammer?

  No private equity, no gimmicks, just the best budgeting app there is. Download it now, start the free trial, dollarwise.com, link in the description below. Guys, you've known me since the beginning, and the fact is, I just love building products that help people, and we're continuing to do that with the Caleb Hammer Financial Services. Listen, now you got personal loans that you can get the best rates on forever you want to...

• 24:26Speaker 00

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

• 24:51Caleb Hammer?

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• 25:33Speaker 04

  I mean, the stereotypes you were talking about, statistically, I'm pretty sure that black guys that date white girls have been arrested, right?

• 25:40Caleb Hammer?

  I think it says black guys.

• 25:43Speaker 04

  Okay.

• 25:44Caleb Hammer?

  What do you think I'm saying?

• 25:46Speaker 04

  Just that because I'm black and I'm dating a white girl.

• 25:48Caleb Hammer?

  First of all, when I was talking about the abandonment of the kid, you guys are together already. You're here together, so I know you didn't abandon the kid. So obviously, I was trying to make a joke before you got performatively outraged. So, obviously, I know you didn't abandon your kid, which is why I joked about it.

• 26:03Speaker 04

  Right.

• 26:04Caleb Hammer?

  Now you're trying to suggest that I am...

• 26:07Speaker 04

  I mean, I'm just saying, obviously, we don't know what jokes are. Like, you know, you don't know how to make a joke, I don't know how to take a joke, so...

• 26:11Caleb Hammer?

  Is that, is that another black thing you're saying?

• 26:13Speaker 04

  No, I'm just saying, obviously, you don't know how to make jokes, I don't know how to take a joke.

• 26:16Caleb Hammer?

  But you didn't let me even get anywhere before you got upset.

• 26:18Speaker 04

  Yeah, but so that's, that's what that looks like right there.

• 26:21Caleb Hammer?

  So you got arrested?

• 26:22Speaker 04

  Yeah.

• 26:23Caleb Hammer?

  For what?

• 26:23Speaker 04

  Which time?

• 26:24Speaker 03

  Couple things.

• 26:25Caleb Hammer?

  Oh, good. Was it for drugs?

• 26:28Speaker 04

  No.

• 26:31Caleb Hammer?

  Okay, what was it for?

• 26:32Speaker 04

  I guess I'm an exception to that statistic, but, uh, it just depends which time. I've been arrested a few different times.

• 26:38Speaker 03

  He's asking what you've been arrested for.

• 26:41Caleb Hammer?

  He's...

• 26:42Speaker 03

  All the time.

• 26:43Caleb Hammer?

  You have...

• 26:43Speaker 04

  All the times?

• 26:44Caleb Hammer?

  You have not married a...

• 26:46Speaker 04

  There's different times. Like, I've been arrested for running from the cops, I've been arrested for, um, allegedly attempted stuff and...

• 26:54Speaker 03

  What?

• 26:55Caleb Hammer?

  What?

• 26:55Speaker 03

  Stuff?

• 26:55Speaker 04

  Yeah, well, I mean, the first time was, like, different. When I was fourteen, I got arrested. That was, like, the first time.

• 27:00Speaker 03

  I didn't know about that one.

• 27:02Caleb Hammer?

  Wait, wait, allow me.

• 27:05Caleb Hammer?

  Well, well, well.

• 27:08Caleb Hammer?

  It's a joke! We like jokes here. Fourteen's crazy, dude. What the f- did you do at fourteen? I'm not gonna criticize you that much for that, cause you're a f- kid, so...

• 27:16Speaker 04

  Yeah.

• 27:17Speaker 03

  I'm interested.

• 27:17Speaker 04

  I mean, so at that time, it was... Oh, man, dude, going back that far, we had... It was me and some friends, and... There was a high school, and so we figured out how to, like, sneak in to the high school over somewhere.

• 27:33Caleb Hammer?

  Okay, did you learn your lesson?

• 27:34Speaker 04

  And...

• 27:34Caleb Hammer?

  Clearly not, cause you got arrested now as an adult.

• 27:36Speaker 04

  Yeah.

• 27:37Caleb Hammer?

  What have you done?

• 27:37Speaker 04

  That was different.

• 27:38Caleb Hammer?

  What have you done as an adult? What have you done as an adult? As an adult, what have you done? As an adult, what have you done? As an adult, what have you done?

• 27:43Speaker 04

  Um, well, I was eighteen, I got in a police chase on my motorcycle, that was the first time. Um, it was a pretty, it was a long chase, and I, dude, I was just chilling too, I was cruising, I was gonna go to the lake.

• 27:54Speaker 03

  Tell him why you got pulled over.

• 27:56Speaker 04

  I'm getting there, I'm getting there.

• 27:57Caleb Hammer?

  It's a big story time for him.

• 27:59Speaker 04

  You need context to understand why I did what I did, right? So, I'm cruising, I'm driving to, to the lake to go swimming. At the time, I did have a passenger on the back of the motorcycle with me, and so my license plate was on the side of the motorcycle, and I'm riding, a cop pulls up next to me, and he's just, like, on my ass. And so I'm thinking, alright, he's about to try to, like, pull me over, so he does, he turns the lights on, and then we go into a pursuit, and I acted like I was gonna pull over on the exit, and then... I hit a couple curves, and I just ran, like, from there, and then a whole bunch of other cops came, and then we got back up on the, uh...

• 28:33Caleb Hammer?

  When's the last time you've been arrested?

• 28:34Speaker 04

  Huh?

• 28:35Caleb Hammer?

  When's the last time you've been arrested?

• 28:37Speaker 03

  Like, a year ago?

• 28:38Caleb Hammer?

  Oh, my f-.

• 28:39Speaker 04

  Yeah, twenty... Yeah, last year?

• 28:43Speaker 03

  Twenty twenty-five?

• 28:44Caleb Hammer?

  No. Allow me. Well, well, well.

• 28:48Speaker 04

  I just got out in, uh, July.

• 28:51Speaker 03

  Wait, but tell him why you were getting pulled over on the motorcycle.

• 28:54Caleb Hammer?

  Wait, your kid was born at this point?

• 28:56Speaker 04

  Yeah.

• 28:57Caleb Hammer?

  What, what, what, what, why was he getting pulled over? You just tell me, he can't...

• 29:00Speaker 03

  We were on the beach and...

• 29:02Speaker 04

  No, we're not talking about that time.

• 29:03Speaker 03

  The last time. He just asked about the last time you got arrested, right?

• 29:06Speaker 04

  I was talking about my initial time when I got in a police chase.

• 29:09Speaker 03

  Okay, but he asked you the last time.

• 29:10Caleb Hammer?

  We moved on.

• 29:13Speaker 04

  Okay.

• 29:14Speaker 03

  Okay. Well, we were on the beach, it was Fourth of July, um, I had a lot, a good amount to drink, probably like six beers and like two shots.

• 29:23Speaker 04

  Before I had to turn myself in, me turning myself in was the last time that I got arrested.

• 29:28Speaker 03

  But he's...

• 29:28Caleb Hammer?

  Fireworks and gunshots, can't tell with him.

• 29:31Speaker 03

  Can I... Okay.

• 29:32Caleb Hammer?

  It's a black joke.

• 29:34Speaker 03

  Anyways, Fourth of July.

• 29:35Caleb Hammer?

  Allegedly black.

• 29:36Speaker 03

  We were leaving the beach, we had been there from like...

• 29:38Speaker 04

  Allegedly not Jewish, so...

• 29:39Speaker 03

  Eight, we've been there from like eight o'clock to like four, and we were leaving, and it was like a long line, and he was kinda like...

• 29:46Speaker 04

  It was like seven PM.

• 29:47Speaker 03

  Well, whatever. It was PM. Um, but he was kinda just like... He was swerving a little bit, but he got pulled over initially for speeding, even though there was cars and cars and cars ahead of us.

• 29:58Speaker 04

  Impossible, cause dude, if you've ever been to, to the beach, especially during the Fourth of July, like...

• 30:03Caleb Hammer?

  I've been to the beach.

• 30:03Speaker 03

  Anyways.

• 30:04Speaker 04

  Right? So you know how the long line of cars are down the beach.

• 30:07Speaker 03

  He was drinking and driving, but he was not.

• 30:09Speaker 04

  So, okay, so I, I literally pulled over to go to the porta potty, right? And I'm getting out to go to the porta potty, boom, I grabbed the door.

• 30:16Caleb Hammer?

  Why would you even be in prison for so long?

• 30:18Speaker 04

  But...

• 30:18Speaker 03

  No, no, no, this is...

• 30:19Speaker 04

  No, no, that was...

• 30:19Speaker 03

  This is different.

• 30:20Speaker 04

  That's why I was trying to tell you, there's, there's two separate things.

• 30:22Speaker 03

  He turned himself in, he didn't get a, like, you didn't get like arrested.

• 30:25Speaker 04

  I've been on probation since I was fourteen, and then I caught that evading case at eighteen, they gave me ten years of probation for that. And then a couple years after that, I got a, uh, attempted burglary, right, which was a violation, and then I had left the state when I wasn't supposed to leave the state, and I was avoiding stuff for a while, and then...

• 30:45Speaker 03

  That's when we met.

• 30:46Speaker 04

  Yeah, that's how we actually met, and then, um, when we ended up coming back, I was in the process of doing the right thing, you know, turning myself in to take care of all this stuff. And then that was when we went down to the beach, stupidly on the Fourth of July, got pulled over out of nowhere by some super trooper cop. Saying that I was speeding on the beach when you literally couldn't speed.

• 31:05Caleb Hammer?

  Okay, we need to stop letting people like you out of jail, cause you just keep going back. That's my takeaway.

• 31:10Speaker 04

  That's actually not true, dude. I have worked hard to change my life.

• 31:13Speaker 03

  He, he actually has.

• 31:15Speaker 04

  I've worked hard to change from like the person I was before. I got out of jail in July from something I did when I was eighteen.

• 31:22Caleb Hammer?

  It's not unfair.

• 31:23Speaker 04

  I didn't say it was unfair, I'm just letting you know, I, I was the one that, that chose, I told my lawyer, hey, let's wrap this shit up, I'm tired of being on probation, I'm trying to get my life together, I wanna get this stuff over with.

• 31:34Caleb Hammer?

  What was this car?

• 31:36Speaker 04

  Let me see.

• 31:37Caleb Hammer?

  Cause I've not seen a VIN.

• 31:40Speaker 04

  Let me see.

• 31:40Caleb Hammer?

  VIN would be nice, but I just wanna know, like, what the car was, year, make?

• 31:44Speaker 04

  This was a...

• 31:49Speaker 04

  Mm-hmm.

• 31:51Caleb Hammer?

  Okay.

• 31:51Speaker 03

  Doesn't say it on the paperwork?

• 31:52Caleb Hammer?

  Can you tell me, after the lease is done in three years, what would the price be the vehicle for them to purchase? Can you tell me that?

• 31:59Speaker 03

  I'm gonna tell you, it depends on the vehicle.

• 32:00Caleb Hammer?

  Well, it's that vehicle.

• 32:02Speaker 04

  This one would have been sixteen five.

• 32:05Caleb Hammer?

  Sixteen thousand five hundred?

• 32:07Speaker 04

  Yep.

• 32:07Caleb Hammer?

  Give it to me. Now, here's what his place does. The agreed value of the vehicle is twenty-three thousand at the time of the lease. Twenty-three thousand, very good. Do we, do we all understand? Put, put the math on screen. Twenty-three thousand. The purchase price would be what in three years?

• 32:23Speaker 04

  Well, I mean, the total, some of the payments, the total of some of the payments made would be sixteen thousand five hundred.

• 32:30Caleb Hammer?

  Sixteen thousand in order to buy it out afterwards?

• 32:33Speaker 04

  No, once, so once-

• 32:34Caleb Hammer?

  No, I'm at, no, no, no, then you misunderstood my question. What is the price to buy it out at the end of the three-year terms?

• 32:39Speaker 04

  We would have to do tax, title, license, and residual at the end.

• 32:41Caleb Hammer?

  Yeah, yeah, yeah, but, okay.

• 32:43Speaker 04

  So, the, the, the total amount they would pay for the vehicle would be sixteen thousand five hundred. And then, once they have made those payments, then they pay tax, title, license, and residual.

• 32:52Caleb Hammer?

  Okay.

• 32:53Speaker 04

  Which would be technically included in the overall amount that they paid, but-

• 32:57Caleb Hammer?

  At the end of the lease.

• 32:58Speaker 04

  Yeah, but they would have only paid sixteen thousand five hundred for the vehicle.

• 33:01Caleb Hammer?

  But sixteen thousand, after all their lease payments?

• 33:03Speaker 04

  Yeah.

• 33:04Caleb Hammer?

  They have to do an extra sixteen thousand to take the home, the vehicle forever, correct? Is that what you're saying?

• 33:09Speaker 04

  Your sixteen thousand is all you pay for the vehicle, yes.

• 33:12Caleb Hammer?

  At the end of the lease, separate from what they've already paid?

• 33:16Speaker 04

  No.

• 33:18Caleb Hammer?

  I'm asking, you know how at the end of a lease, you can then either choose to finance the remainder of the car?

• 33:25Speaker 04

  Yeah, or keep it.

• 33:25Caleb Hammer?

  Or buy it? What will that price be?

• 33:28Speaker 04

  Whatever it says on the bottom right there, look.

• 33:30Caleb Hammer?

  You tell me the number.

• 33:31Speaker 04

  Their residual value would only be two thousand three hundred and twenty-eight dollars.

• 33:36Caleb Hammer?

  Okay. I want to know what this car was.

• 33:40Speaker 04

  I'm trying to find out, let me see.

• 33:41Caleb Hammer?

  Okay.

• 33:41Speaker 04

  Cause I think it was the-

• 33:43Caleb Hammer?

  Cause you are, twenty-three thousand dollars.

• 33:47Speaker 04

  Oh, that was a two thousand eight Silverado with a hundred thousand miles. Why did I get a Chevy Silverado? That answer's simple. I don't suck dick. In great condition.

• 33:57Caleb Hammer?

  Two thousand eight?

• 33:58Speaker 04

  Yeah.

• 33:59Caleb Hammer?

  Fifteen hundred?

• 33:59Speaker 04

  Yeah. Full four-door, lift, off-road tires, and a hundred thousand miles.

• 34:05Caleb Hammer?

  Yeah, all over the place, we're getting, uh, nine thousand, twelve thousand, thirteen thousand, cause here's the thing. You capture your value through the lease, one hundred percent, cause you're making them pay twenty thousand dollars in three years, is what that says. And then, they can buy it from two, for two thousand dollars at the end.

• 34:21Speaker 04

  Or they can sell it back, yeah.

• 34:23Caleb Hammer?

  Right, right, right.

• 34:23Speaker 04

  And they can upgrade.

• 34:24Caleb Hammer?

  Right, but usually what happens at a lease is, you know, you're paying a little less over those three years, and then there's more value left at the end. You, what you're doing, how you are recouping your money, to be clear, is you're dramatically overpricing the value of a car. Is how you guys do it, by about what it looks like an extra ten thousand dollars. And then, you, yes, dude, I, buddy, I, they're all right here. There is not a single one of those at a hundred thousand-

• 34:48Speaker 04

  Those are traditional, if you were to buy those with financing, plus you, you, you have to think about your interest rate, your term.

• 34:54Caleb Hammer?

  Yes, except what you did was tack on an extra ten thousand dollars to the price of the car, and you make them pay ninety-five percent of it through the lease term with nothing left at the end. Because you want to capture the entire value of what you determined the vehicle to be. You're scamming these people.

• 35:11Speaker 04

  We give them an early purchase option also.

• 35:13Caleb Hammer?

  Yeah, but for the price that you guys determined, which is overvalued by ten thousand dollars. So, you're right, they don't have interest, they don't have fees, but you tack on an extra ten thousand to the value.

• 35:22Speaker 04

  No, we don't do that.

• 35:22Caleb Hammer?

  What you objectively do?

• 35:24Speaker 04

  No.

• 35:25Caleb Hammer?

  What? It, it, it is not worth twenty-three thousand dollars.

• 35:28Speaker 04

  Plenty of cars, right? No matter where you go to buy a vehicle, you, there's always in, the interest rates, there's always markup, alright? But we give them the flexibility to get into this transportation with no credit.

• 35:40Caleb Hammer?

  There it is.

• 35:40Speaker 04

  No proof of income.

• 35:41Caleb Hammer?

  It scams them.

• 35:42Speaker 04

  Nothing, and then, they also, I just said they have the option in the contract to buy out of their contract early.

• 35:47Caleb Hammer?

  Yes, and the value you determine though.

• 35:49Speaker 04

  For a discount.

• 35:50Caleb Hammer?

  Well, how, what percentage is the discount?

• 35:51Speaker 04

  Depending on how early they want to buy out of their contract.

• 35:54Caleb Hammer?

  You have it marked up by eighty percent.

• 35:55Speaker 04

  Depending on how early they want to buy out of their contract.

• 35:57Caleb Hammer?

  Okay, well, what percent is your highest?

• 36:00Speaker 04

  It just depends, fifteen, twenty percent.

• 36:01Caleb Hammer?

  Fifteen, twenty, well, you have it marked up by eighty percent.

• 36:03Speaker 04

  Yeah.

• 36:05Caleb Hammer?

  Scammers. At least he makes a hundred twenty thousand dollars a year scamming poor people. So, good job.

• 36:10Speaker 04

  That's not true at all, actually.

• 36:11Caleb Hammer?

  That is objectively true.

• 36:12Speaker 04

  That's not true.

• 36:13Caleb Hammer?

  You can't argue that it's not.

• 36:14Speaker 04

  Yeah.

• 36:15Caleb Hammer?

  Okay, then tell me, what is the argument?

• 36:16Speaker 04

  We, we, we post, we have all of our vehicles listed at fair market value.

• 36:21Caleb Hammer?

  No, that, that, that is not!

• 36:23Speaker 04

  We do have all of them listed at fair market value, that's a hundred percent true.

• 36:27Caleb Hammer?

  Then what's your website? Let's, let's go ahead and ask.

• 36:29Speaker 04

  We don't, we don't have an online, uh, inventory, online. That's just cause the inventory changes daily, so it's, it's hard to like, keep up with that.

• 36:36Caleb Hammer?

  You guys are scamming people.

• 36:38Speaker 04

  No, we're not.

• 36:38Caleb Hammer?

  But I'm glad you make your income.

• 36:40Speaker 04

  No, we're not scamming anybody, because if, if any customer-

• 36:44Caleb Hammer?

  You keep telling yourself that.

• 36:44Speaker 04

  If any customer wants to, one, negotiate the price of the vehicle, they can do that. Two, if they can bring, bring me four or five other comparables-

• 36:53Caleb Hammer?

  The reality.

• 36:54Speaker 04

  Right, then, we can do that, but we post all of our vehicles at-

• 36:57Caleb Hammer?

  They have to bring four to five comparables, not even one?

• 36:59Speaker 04

  Fair market value.

• 37:00Caleb Hammer?

  Not even one, four to five?

• 37:02Speaker 04

  It's based off of fair market value, what do you not understand about that?

• 37:04Caleb Hammer?

  It is not fair market value. Now, what you're saying is if people are in a desperate last situation, because they can't get their credit ran in any other place, they'll come to you for an eighty percent markup.

• 37:15Speaker 04

  That's not true. It's not an eighty percent markup, it's fair market value. Cars are expensive, what do you want me to say, like, cars are expensive?

• 37:20Caleb Hammer?

  Okay, fair market value, like, yes, they're willing to pay that eighty percent markup because they can't get approved anywhere.

• 37:25Speaker 04

  No, it's not just what we're determining, it is based on the market of what these vehicles are going for.

• 37:31Caleb Hammer?

  I'm done with this conversation, buddy, you can't do this argument, you really can't.

• 37:34Speaker 04

  It's not, you know-

• 37:34Caleb Hammer?

  In reality, okay, I'm glad you knocked her up, how long have you guys been together?

• 37:38Speaker 04

  Somebody's gotta be the bad guy, I guess I'm gonna be the one.

• 37:40Speaker 03

  Almost four years.

• 37:41Caleb Hammer?

  I'm sorry, this is math.

• 37:42Speaker 03

  Almost four years.

• 37:44Caleb Hammer?

  Four years, good, very good.

• 37:45Speaker 03

  Almost.

• 37:45Caleb Hammer?

  Now, let's see if you, uh, do any other stereotypes by chance, with your five percent. Do you have any other baby mamas?

• 37:50Speaker 04

  Crazy.

• 37:51Speaker 03

  Yes, he does.

• 37:52Caleb Hammer?

  Do you actually?

• 37:53Speaker 03

  Yes, he does.

• 37:54Caleb Hammer?

  How many?

• 37:56Speaker 03

  One other.

• 37:58Caleb Hammer?

  How old's your other kid?

• 38:00Speaker 04

  Six.

• 38:01Caleb Hammer?

  What, do you not care? You're shrugging it off?

• 38:03Speaker 04

  Of course I care, it's just a, it's, it's a situation that sucks.

• 38:07Caleb Hammer?

  Well, you impregnated a bitch.

• 38:08Speaker 04

  Yeah.

• 38:08Caleb Hammer?

  Yeah. What sucks about having another kid?

• 38:11Speaker 04

  Well, no, it's just the relationship, and like, I don't really get to see him as much as I'd like and that kind of stuff, so, kinda sucks.

• 38:19Caleb Hammer?

  What did you do wrong?

• 38:21Speaker 04

  Nothing.

• 38:22Caleb Hammer?

  Then why don't you get to see him very often?

• 38:24Speaker 04

  It's just how it goes.

• 38:25Caleb Hammer?

  No.

• 38:26Speaker 04

  Yeah.

• 38:27Caleb Hammer?

  No, what happened?

• 38:28Speaker 03

  Well, yeah, no, he's not wrong.

• 38:30Speaker 04

  Did I do something bad?

• 38:30Speaker 03

  Well, I don't know, I wasn't there for that.

• 38:32Caleb Hammer?

  No, no, no, what did the court say?

• 38:33Speaker 04

  We didn't go to court, she didn't let me sign the birth certificate.

• 38:36Caleb Hammer?

  Why?

• 38:37Speaker 04

  Cause that's the kind of person she is, so.

• 38:40Speaker 03

  Well, she's not a bad person, but, she's not, she's honestly very nice, but, um-

• 38:45Speaker 04

  Okay.

• 38:48Speaker 03

  Okay.

• 38:49Speaker 04

  Very nice person that won't let the father see their kid just because-

• 38:52Speaker 03

  She does, she literally does. We could get him whenever we want, but he goes to school.

• 38:57Caleb Hammer?

  Are you serious?

• 38:58Speaker 00

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

• 39:24Caleb Hammer?

  You can get him whenever you want.

• 39:25Speaker 03

  Well, yeah, we can go and get him on the weekend.

• 39:26Caleb Hammer?

  You're such a piece of shit.

• 39:28Speaker 04

  No, wait, wait, wait, you're sitting here telling me that you have not witnessed the times that I've reached out to her, and she's made up an excuse for why I can't get her?

• 39:34Speaker 03

  Well, how do you know it's actually an excuse?

• 39:36Speaker 04

  Oh, here we go, okay, but, but, before, before, you, you were like, wow, she's so fucked up for that, right? But now, it's totally, alright.

• 39:43Speaker 03

  Well, no, I've met her, we've talked, we've hung out a couple times, it's way different now.

• 39:48Caleb Hammer?

  Dude, you're a piece of shit, aren't you?

• 39:49Speaker 04

  I guess.

• 39:49Caleb Hammer?

  Is there something you're not a piece of shit on?

• 39:52Speaker 04

  Yeah, I'm-

• 39:53Caleb Hammer?

  You advise people not to vote in elections. You don't want your kid to be a well-rounded, educated adult, you only want to put him on the NBA path, good luck.

• 40:02Speaker 04

  Or motocross, or golf, or tennis, there's a whole bunch of other alternatives.

• 40:05Caleb Hammer?

  I'm glad, okay.

• 40:06Speaker 03

  I don't know where the tennis came in at.

• 40:06Speaker 04

  You can have a long career in tennis.

• 40:09Caleb Hammer?

  Okay, so those are the only, so this kid's, he doesn't communicate with his other that he can communicate with, and he scams people for his entire career.

• 40:16Speaker 04

  I do, and I don't scam people.

• 40:17Caleb Hammer?

  He does not do one good thing in his life.

• 40:19Speaker 04

  I don't scam people.

• 40:20Caleb Hammer?

  Oh, and he's been in jail like a thousand times.

• 40:22Speaker 04

  I don't scam people.

• 40:23Caleb Hammer?

  Yes, you do, is there anything? Okay, very good, we can move beyond.

• 40:26Speaker 04

  Yeah.

• 40:26Speaker 03

  It's the one thing he says he does not do.

• 40:28Speaker 04

  I don't, I help people, you don't know how many customers that I've had that are crying to me, thanking me for giving the opportunity to help them.

• 40:35Caleb Hammer?

  It's cause they're gonna deny it other places, so you mark them, so you mark them eighty percent up and get them in a car, very good.

• 40:39Speaker 04

  Same thing if you go to the gas station, you're gonna pay more for a drink at the gas station than you are at, at, at Walmart, right? Or a fucking bag of chips, you're gonna pay more at the gas station, why? Convenience.

• 40:48Caleb Hammer?

  Yeah, but they're not getting, the, the guy working-

• 40:50Speaker 04

  So, the gas station scamming everybody?

• 40:52Speaker 06

  No matter the motive, false equivalencies distort reality, and we see them everywhere.

• 40:56Caleb Hammer?

  They're not getting commission on it.

• 40:58Speaker 04

  Fight the gas station.

• 40:58Caleb Hammer?

  The guy at the front's not getting commission on it.

• 41:00Speaker 04

  And?

• 41:01Caleb Hammer?

  And I also advise people not to buy it at the gas station, that's the point of this show.

• 41:05Speaker 04

  Exactly.

• 41:05Caleb Hammer?

  I literally say, don't.

• 41:06Speaker 04

  So, why don't you tell everyone that gas stations are fucking scams? What's the difference? Except, I am actually helping people.

• 41:13Caleb Hammer?

  I'm thinking.

• 41:13Speaker 04

  I do have families that come to me crying.

• 41:16Caleb Hammer?

  Don't say you're helping, cause the gas station's not arguing that they're helping, you're gonna lose me there.

• 41:19Speaker 04

  Exactly, but the, the difference is-

• 41:21Caleb Hammer?

  You might have me on board with the gas station, like, you're not a scam, but don't say you're helping.

• 41:26Speaker 04

  But, no, wait, I am trying to, I'm not-

• 41:28Caleb Hammer?

  No, you're trying to make a living.

• 41:30Speaker 04

  Well, duh, but the point of it is, the point of it is-

• 41:33Caleb Hammer?

  The gas station's not virtuous, they're, they're meeting up.

• 41:35Speaker 04

  I'm a fucking hero, but what I am saying-

• 41:37Caleb Hammer?

  You have made it sound like you're a fucking hero.

• 41:39Speaker 04

  Is that my company has helped people, and they have been grateful for the opportunity.

• 41:43Caleb Hammer?

  Let's move beyond this, cause we've spent way too much time on that.

• 41:45Speaker 04

  I agree.

• 41:46Caleb Hammer?

  I need to, so you're a piece of shit in every way whatsoever, is there anything you do good in life? Yes, you do, look at you, tatted up, like, dude, you look like I, I would cross the street.

• 41:56Speaker 03

  I told him that before.

• 41:58Speaker 04

  Of course you would. I know you're not the most physically capable individual, so I could understand why you'd do that.

• 42:03Caleb Hammer?

  What that has to do with crossing the street from a scary looking individual?

• 42:06Speaker 04

  What I mean, saying that I'm a piece of shit because I provide for my family is like.

• 42:09Caleb Hammer?

  You're a piece of shit for the 80% markup. You're a piece of shit for going to jail constantly. You're a piece of shit for not communicating.

• 42:15Speaker 04

  I haven't gone to jail in so long, like.

• 42:16Caleb Hammer?

  You got out in July.

• 42:17Speaker 04

  I got out in July from turning myself in, from doing the right thing.

• 42:21Caleb Hammer?

  Oh, you didn't do the right thing. You turned yourself in.

• 42:23Speaker 04

  Yeah, turning myself in was doing the right thing.

• 42:25Caleb Hammer?

  But not from doing the right thing.

• 42:26Speaker 04

  Yeah.

• 42:27Caleb Hammer?

  You don't talk to your other kid.

• 42:29Speaker 04

  Like the right thing you should do to.

• 42:30Caleb Hammer?

  You don't talk to your other kid and you hold money over her head.

• 42:33Speaker 04

  I don't hold money over her head. I do not hold money over her head.

• 42:36Caleb Hammer?

  Respond to everything. Um, well, she made it sound like it for sure.

• 42:40Speaker 03

  When I ask about money, he doesn't give me anything. It's why do you need to know or?

• 42:46Caleb Hammer?

  Maybe because she's your partner.

• 42:48Speaker 04

  Whatever you want. Like, what are you talking about?

• 42:50Speaker 03

  But that, but when I say how much is in the bank account, because I want to know before I ask you for anything, because I don't know where we're at. You don't ever give me anything.

• 42:58Speaker 04

  What is you knowing gonna do? What is that gonna solve?

• 43:00Caleb Hammer?

  Well, here's the thing. You told her to stay at home.

• 43:01Speaker 03

  Whether I ask or not ask for something.

• 43:03Speaker 04

  She has the option to go do whatever she wants to do. If she wants to go work, she can go work.

• 43:06Caleb Hammer?

  He wanted you to be a stay at home wife? Because that's what he told me at the beginning of this conversation.

• 43:10Speaker 03

  Practically what he said when we first met. He told me I can go ahead and quit my job if that's what I wanted when I was first pregnant and that's what I did.

• 43:17Speaker 04

  She, she has all the options in the world. If she wants to go work, great, baby, go work. If you want to go do something, go do it. You're not a hostage here.

• 43:24Speaker 03

  Child in daycare. I mean, neither do I. Neither do I know, but.

• 43:27Speaker 04

  And I have told her multiple times, put, put him in daycare then. You're tired of being cooped up in the house. You want a job? Put him in daycare then. You don't want to put him in daycare? I don't really like the idea that, you know, the daycare either, but I'm willing to do it if she wants to go work. You see what I'm saying? She's, she's not a hostage, dude.

• 43:44Speaker 04

  Like, I don't hold anything over her.

• 43:45Speaker 03

  When I bring up like wanting to get my GED, you say, I don't need that to do anything in my life.

• 43:51Speaker 04

  Don't need it. I say, why? Like, what is that gonna do? Like, you know, like, what do we accomplish in getting a GED?

• 43:56Caleb Hammer?

  Top opportunities?

• 43:58Speaker 03

  I have to have that so that I can go and do what I wanted to do, which was sell health insurance.

• 44:03Speaker 04

  What if I stopped you from getting your GED?

• 44:07Caleb Hammer?

  Does he stop you from getting your GED?

• 44:09Speaker 03

  No, not exactly.

• 44:10Caleb Hammer?

  Talk you out of it?

• 44:11Speaker 03

  Um, pretty much. He tells me, he tells me I don't need it for anything. What do I need that for?

• 44:16Speaker 04

  I do not. I just ask, just the way I just asked, like, okay, why? Like, that's it. I've never stopped you. I've told you multiple times. If you want to get your GED, okay, do it.

• 44:23Speaker 03

  When we go to like Target and I say I need deodorant, do you need that?

• 44:26Speaker 04

  I don't know. Not with deodorant. You're the one that always opt in for the, for the cheaper stuff. And I'm like, no, babe, just fucking get it. Like, just get the damn better stuff. Like, I'm the one that says that. So.

• 44:36Caleb Hammer?

  Wait, how is there a disagreement here? I'm confused. Like, how can you, how do you say he says, do you really need deodorant? And then he say, no, get the expensive stuff? Where, where, no, no, no. Well, I don't know. You could be lying. I don't know who's telling the truth. I don't know what's going on here. How's there a disconnect on this?

• 44:50Speaker 03

  We went to Target like a month ago, right? And I said I needed deodorant. You said, do you need that? Do you really need that? I thought you just got some. I told you.

• 44:59Speaker 04

  Bro, a normal thing.

• 45:00Speaker 03

  It stopped working on me. I need deodorant.

• 45:02Speaker 04

  We just went to the grocery store and I'm thinking you just bought a deodorant. I'm not like, in, in, in my head, okay, it might've been three weeks ago or whatever. So I was just asking like, do you need another deodorant? You know what I'm saying? And she, she just takes everything I say wrong. And then when she told me like, yeah, or else I wouldn't be asking for the deodorant. I'm like, okay, buy the deodorant then. Like, what the, then she makes a big deal about it. And she's like, no, I just put the deodorant back. I don't want the deodorant no more.

• 45:23Caleb Hammer?

  By the way, I was almost on your side when you made the comparison, but then I actually thought a little deeper. And the reality is the lot that the people go to right now is their last resort lot. It's the only place they can go to. Where when people go to a gas station, anyone can go to a gas station and people that are in a last resort can also go to a grocery store or order on Amazon. So, no, it's not the same thing. People go to you because there's no other choice. Meaning, it's taking advantage of people in bad situations. Okay, so the deodorant.

• 45:48Speaker 04

  We helped him.

• 45:50Caleb Hammer?

  Right, so do payday loans.

• 45:52Speaker 03

  And it's not just deodorant. It'd be literally anything. Like, if I want a drink at the store, anything like that, it's always, oh, do you need this? Do you actually need that? And it's not like, like while he's at work, I just have access to all of his money, like on a card.

• 46:06Caleb Hammer?

  You guys aren't married. I don't think you need access to his money, but I think she is the one that you have bred and you have a two-year-old.

• 46:13Speaker 04

  And I take care of her.

• 46:15Caleb Hammer?

  Well, okay.

• 46:16Speaker 03

  Yeah, he does. He pays for absolutely everything.

• 46:19Caleb Hammer?

  How about that?

• 46:19Speaker 04

  We just don't need to do that right now. Like, I mean, first of all, like, I'm not really.

• 46:22Caleb Hammer?

  Do you want to get married?

• 46:23Speaker 03

  He proposed. Yeah, I did.

• 46:24Caleb Hammer?

  Oh, he proposed?

• 46:25Speaker 03

  Yeah, he did.

• 46:25Caleb Hammer?

  So you guys are engaged? While he was a, you're such a loser.

• 46:29Speaker 04

  No, actually, actually, this is what happened, alright? I'm sitting there, we're playing spades, having a good time. And she's been writing me a bunch of letters, okay? And then me and my, and she's been asking, she's been asking me, oh, you know, send me a letter back, send me a letter back. I'm like, I don't really do the whole letter stuff. You know what I'm saying? I'm not that kind of guy.

• 46:45Caleb Hammer?

  You are lucky that you're in there and you're having someone write you so many letters that loves you.

• 46:49Speaker 04

  I was grateful for that. I was grateful for that, right? So then I was like, alright, I'm gonna make another letter, but I don't know what to write. And the guy that I was with, you know, that we're, that I was cool with, he was like, oh man, you know, like, you should do like one of them crossword puzzle things.

• 47:01Caleb Hammer?

  Was he your top or were you his top?

• 47:03Speaker 04

  Uh huh, uh huh, uh huh.

• 47:05Caleb Hammer?

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

• 47:38Speaker 04

  Alright, so he's like, yeah, you, you should do like a crossword puzzle thing and then like make something in the thing. I'm like, oh yeah, hell yeah, that's a good idea. And then, so I'm trying to figure out something to do and I don't know how to make a crossword puzzle anyways. And I didn't know what to even put in a crossword puzzle thing, right? So then the only thing.

• 47:56Caleb Hammer?

  Is actually okay.

• 47:57Speaker 04

  They don't teach you how to make a crossword puzzle in school.

• 47:59Caleb Hammer?

  You can actually pick it up quite easily if you're a well-rounded, educated individual.

• 48:03Speaker 04

  I did. And so the only thing that I could really think to put in it was like, will you marry me? You know what I mean? Like, not thinking like.

• 48:09Speaker 03

  Crazy.

• 48:10Speaker 04

  It was that.

• 48:11Speaker 03

  So you don't actually want to get married? You just put that in a letter for absolutely anything? Just because it was a good idea?

• 48:17Speaker 04

  I thought it was nice and it was a good idea.

• 48:21Caleb Hammer?

  Why eventually? Why not now? I'm so confused. You already have a kid with her.

• 48:23Speaker 04

  There's no reason to do it now.

• 48:24Caleb Hammer?

  Well, there are legal protections and you guys might be common law married anyway, but the thing is.

• 48:28Speaker 04

  Yeah, thank you.

• 48:28Speaker 03

  That's exactly what I've been telling you. There's.

• 48:30Speaker 04

  Yeah, common law marriage.

• 48:31Speaker 03

  Thanks for being married.

• 48:32Caleb Hammer?

  Hold on, you love to get arrested and if you guys were married, she would not be legally compelled to testify against you.

• 48:39Speaker 04

  She wouldn't have to. There's nothing to testify against.

• 48:41Caleb Hammer?

  Huh?

• 48:41Speaker 04

  There's nothing to testify for.

• 48:43Caleb Hammer?

  Okay, goes to jail every five days of his life. No, listen, like.

• 48:46Speaker 03

  I literally said that last night. Did we not have that conversation?

• 48:49Speaker 04

  Yeah, I mean, that's, it's not, I'm, I'm not gonna marry somebody just so you can't testify me against court.

• 48:54Caleb Hammer?

  One of many things, okay?

• 48:56Speaker 04

  Let's be real, that's not what marriage is about.

• 48:57Caleb Hammer?

  If you got shot in your gang violence, she would be a little more protected.

• 49:00Speaker 04

  My gang violence?

• 49:01Caleb Hammer?

  Yes.

• 49:01Speaker 04

  Because I'm black, I'm, I'm in a gang. I'm in a gang now.

• 49:07Caleb Hammer?

  I was looking at the bottom row of teeth.

• 49:11Speaker 04

  What?

• 49:14Speaker 03

  The silver teeth.

• 49:14Speaker 04

  Anyways, so, yeah, I mean, marriage is not anything that's a necessity right now.

• 49:19Caleb Hammer?

  Okay, so this is what I was gonna say then, and why we got on the topic of marriage. I was like, well, you're not married, so you don't, you know, you don't you shouldn't necessarily have access anyway, but you guys can communicate about it because, you know, yeah, you put a baby in you. But the thing is, if he won't get married and you want to get married, then I can't hold that argument anymore because he's just using that as a tool to endlessly gatekeep the finances and you never be aware. You're never gonna get your GED, so you can't contribute and.

• 49:45Speaker 04

  Do whatever she wants. I'm not gatekeeping nothing.

• 49:46Caleb Hammer?

  But you definitely talk her out of it and try to convince her.

• 49:49Speaker 04

  I have told you so many times, do whatever you want to do. Do something. Go do something.

• 49:55Caleb Hammer?

  But then when she says I'm gonna get my GED, you're like, well, that's stupid. That's bad. That makes no sense. You don't say, no, you can't do it, but you heavily talk her out. And she's a, that can be manipulated.

• 50:04Speaker 04

  So many times. I've told her so many times, do whatever you want to do. I'm not stopping you. I don't stop her. She's not a hostage. She has free.

• 50:11Caleb Hammer?

  But then the follow-up conversation, when she suggests what she wants to do, you dog against it.

• 50:16Speaker 03

  If I ask how much money you have at the moment, because I want to buy like, say, books so that I can study to get my GED.

• 50:22Speaker 04

  If you're gonna do, if somebody wants to do something, they're gonna do it, okay?

• 50:26Caleb Hammer?

  Not necessarily. People take the advice of their partner all the time. Also, yes, that does cost money. Would you provide for that?

• 50:32Speaker 04

  Yeah, of course.

• 50:33Caleb Hammer?

  You'll say now, yes, but why haven't you? Why haven't you?

• 50:35Speaker 04

  She has not been like, hey, she has not sat down and been like, hey babe, look, this is the, this is the, no, you have not. This is the, you have not.

• 50:43Speaker 03

  Yes, with the health insurance.

• 50:44Caleb Hammer?

  See how much you lied this entire conversation?

• 50:45Speaker 04

  Have not. Have not.

• 50:48Speaker 03

  To buy the exam, I literally sent you the website. Yes, I did. Yes, I did.

• 50:52Speaker 04

  For the, for the GED stuff, you have never sat down in front of me.

• 50:56Caleb Hammer?

  Show me you have sent him.

• 50:56Speaker 04

  You've never sat down in front of me and said, hey, look, this is the site I'm gonna use. This is how much it's gonna cost. This is what I need to be able to study, duh, duh, duh. You've never done that.

• 51:05Caleb Hammer?

  She's pulling up.

• 51:06Speaker 04

  You just told me, oh, I want to do health insurance stuff.

• 51:08Caleb Hammer?

  Or she doesn't. We're about to find out, but you keep yapping.

• 51:12Speaker 03

  It might take a minute for me to find it.

• 51:14Speaker 00

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

• 51:39Speaker 04

  At the end of the day, you've ne, bro, you've never sent it. You're looking for nothing, okay? So, and it just boils down to, because I've told her so many times, like, if you want to do something, do it. I'm gonna support you. Like, give me a, give me a breakdown of what you're gonna do. You know what I mean?

• 51:53Caleb Hammer?

  You know, it's not a good look that your father specifically has called her stupid for even being with you in the first place. Why do you think he said that?

• 52:02Speaker 04

  Because my dad's smart?

• 52:06Caleb Hammer?

  So you acknowledged she shouldn't be with you?

• 52:08Speaker 03

  So I did not send him the like

• 52:10Caleb Hammer?

  That's not the point.

• 52:11Speaker 03

  Through text messages, I did not send it to him.

• 52:14Caleb Hammer?

  Email?

• 52:14Speaker 03

  But I have, no.

• 52:15Speaker 04

  No.

• 52:15Speaker 03

  We were sitting down at the house when I literally showed him.

• 52:18Caleb Hammer?

  You're losing me, girl.

• 52:18Speaker 03

  I know, but.

• 52:20Speaker 04

  There we go. I, I have two, dude, we have had so many conversations.

• 52:24Caleb Hammer?

  Huh?

• 52:24Speaker 03

  I can bring it up, like.

• 52:25Speaker 04

  We've had so many conversations.

• 52:27Caleb Hammer?

  I know the website exists.

• 52:28Speaker 03

  I understand, I'm just saying that we have talked about it in person, there's no like, I can show you us through text messages.

• 52:34Caleb Hammer?

  You are shifting what happened, so now who the do I believe?

• 52:37Speaker 03

  Okay.

• 52:38Caleb Hammer?

  What? What do you think? What am I supposed to do with that?

• 52:42Speaker 04

  Like, like, like, like, yes.

• 52:43Caleb Hammer?

  Why has his dad called you stupid for being with him?

• 52:47Speaker 03

  Cause he wanted to go and see other people and I, well, hold on. He cheated on me a lot throughout our entire relationship, right?

• 52:57Caleb Hammer?

  Stereotypes!

• 52:58Speaker 03

  So, um.

• 53:00Caleb Hammer?

  You know, you don't have to collect them like a bingo card, right?

• 53:03Speaker 03

  He was talking to his dad about.

• 53:05Caleb Hammer?

  I, I love stereotypes of every single race and sex of everyone that comes on the show. I do it for the Asians, you know, when we, the last time we had an Asian, I did the introduction, oh, I wrote, oh, oh.

• 53:18Caleb Hammer?

  The last time we had Muslims, we were terrorists, bomb jokes, I do it for everyone. But they usually don't live up to the stereotypes, so why are you doing it like a checklist? You really are, I wanted to just joke about them, but you're actually doing them.

• 53:32Speaker 04

  I mean, I'm not like, cause it's, it's, it's different.

• 53:34Caleb Hammer?

  What?

• 53:35Speaker 04

  No, no, no, no, no, no, so let's, let the background.

• 53:38Caleb Hammer?

  Eighty-five percent of you that was white, you were living up to white stereotypes, like getting a degree.

• 53:42Speaker 04

  I don't need one.

• 53:43Caleb Hammer?

  And taking care of their kid properly.

• 53:45Speaker 04

  I do take care of my kid amazingly, actually.

• 53:47Caleb Hammer?

  So. One of them.

• 53:48Speaker 04

  I've tried to take care of the other one anyways, but she's not giving you the backstory on the fact that when, when, when we got together, I expressed that, you know, that's the kind of guy that I am, you know what I'm saying? And a fucking degree, a degree has nothing to, to even do with that.

• 54:03Caleb Hammer?

  Hold up, why would you want to get with a guy that's like, you know, I'm more of a, I'm more of a, you know, I want to kind of go out there and do a little freaky freak.

• 54:10Speaker 03

  Because he told me he wouldn't do that, he would try to not do that.

• 54:13Caleb Hammer?

  Well, that is different.

• 54:15Speaker 03

  Yes.

• 54:15Caleb Hammer?

  That is different if you committed.

• 54:16Speaker 03

  To be loyal to me and we would try to make this work.

• 54:18Speaker 04

  Let's establish this too, that the fact that we met on Tinder, okay? And then we was having fun just rocking out, right, for a couple of days?

• 54:27Caleb Hammer?

  Yes.

• 54:27Speaker 04

  And then it was like, it was like, you know, all right, like this is time for this to be over. And I tried to tell her, you know, like, hey, this, I'm not really looking for anything else, like, extra than this.

• 54:35Caleb Hammer?

  Okay.

• 54:35Speaker 04

  And then now she's pregnant, right? And so I was like, well, shit.

• 54:37Caleb Hammer?

  Have you ever learned to not put raw loads into women?

• 54:40Speaker 04

  It happens, all right?

• 54:42Caleb Hammer?

  Not really, you can pull out, I've actually never accidentally come in someone.

• 54:46Speaker 04

  Well, that's probably disappointing for you, you're probably missing out, all right, but.

• 54:49Caleb Hammer?

  On accidentally impregnating people? No, I don't think I am.

• 54:52Speaker 04

  You're, you're, you're missing out.

• 54:54Caleb Hammer?

  I love to come in people by choice.

• 54:56Speaker 04

  Yeah, that's what I'm saying. Pregnancy is just part of that, right? So anyways, but I didn't.

• 55:02Caleb Hammer?

  By the way, if you've been together for four years, he didn't impregnate you in a couple of days, if your kid's two. Math's not right.

• 55:07Speaker 03

  I said about four years, I don't know the exact.

• 55:10Speaker 04

  Like a little less or something than that, but because, bro, she was pregnant.

• 55:12Caleb Hammer?

  In a couple of days?

• 55:13Speaker 04

  Like two weeks she was pregnant. Now that we met, and I, I was like, you know what, I, I'm gonna try to do the right thing and be a, not be a guy that just like gets you pregnant and then just leaves. So I was like, you know, let's try to make this work and see where it goes. And throughout these years, we've had a roller coaster of things trying to make this work.

• 55:31Caleb Hammer?

  Okay, you tell your story.

• 55:32Speaker 03

  As in him cheating non-stop.

• 55:34Caleb Hammer?

  So you said if we're gonna be together, I want to be open?

• 55:37Speaker 04

  We've had conversations like that.

• 55:38Speaker 03

  No, but I never agreed to it.

• 55:40Caleb Hammer?

  She agreed to it, or else don't be with her.

• 55:43Speaker 04

  But she can leave.

• 55:45Caleb Hammer?

  You can leave.

• 55:46Speaker 03

  Exactly, I don't want to leave, I want to make it work. Okay, but you can. If you don't want to be with somebody.

• 55:53Caleb Hammer?

  I'm okay with open, open's fun, open's great, but both parties have to agree.

• 55:56Speaker 04

  Yeah, I agree.

• 55:57Speaker 03

  And I don't.

• 55:57Caleb Hammer?

  And she does it!

• 55:59Speaker 04

  Exactly, that's the problem.

• 56:01Caleb Hammer?

  So why don't you, cause, cause then you're just cheating on her, which cheating is bad.

• 56:04Speaker 04

  Cheating's bad.

• 56:08Caleb Hammer?

  Yet you do.

• 56:08Speaker 03

  Fucking dumb.

• 56:10Caleb Hammer?

  Just leave them, dude, if you can't commit to her.

• 56:13Speaker 04

  I'm trying to, look, look, my whole thing.

• 56:15Caleb Hammer?

  You know, you just don't have to.

• 56:15Speaker 03

  He literally just told me two weeks ago that he's going to try to be loyal.

• 56:19Speaker 04

  My whole thing is this, all right, like, I want to be an active dad in my kid's life, you know what I mean?

• 56:24Speaker 03

  And I've never said that I would take the child from you for not together.

• 56:26Speaker 04

  Be like a weekend dad, you know what I mean?

• 56:28Caleb Hammer?

  If he keeps doing it, will you leave him? Why won't you leave him? Well, cause you're financially dependent on him.

• 56:32Speaker 03

  Well, no, not exactly, I could go back to Florida and get my job back and.

• 56:36Caleb Hammer?

  What job?

• 56:37Speaker 03

  I worked on a food truck for a long time and I also.

• 56:39Caleb Hammer?

  Do that, girl, leave this.

• 56:40Speaker 04

  Yeah, I, I'm not convinced her to not do anything, by the way, so she can get a job any time that she wants to.

• 56:46Speaker 03

  But you also want me to be at home with our child.

• 56:49Speaker 04

  So do you, what do you mean? I told you so many times, if you want a job, go get a job.

• 56:53Speaker 03

  Okay, and that acquires me to get my GED if I want to get an at-home job, I can't just.

• 56:57Caleb Hammer?

  How many times has he cheated on you?

• 56:59Speaker 04

  Like.

• 57:01Speaker 03

  A lot?

• 57:02Caleb Hammer?

  Trying to get around, it's been that many that you don't even know the number? I don't even know.

• 57:07Speaker 03

  I've seen it, like, I've, when we first got together, I went through his phone, found a lot.

• 57:12Caleb Hammer?

  This is why he won't let you go through his phone now?

• 57:14Speaker 03

  Yeah, pretty much, well, also, like, once he got out of jail, I made it a point that I did not want to go through his phone. And then there was one night.

• 57:22Caleb Hammer?

  Cause you know he's cheating.

• 57:23Speaker 03

  Yeah, pretty much.

• 57:25Caleb Hammer?

  Is this not pathetic of you?

• 57:26Speaker 03

  Yeah, I know, that's exactly what his dad said, um, but I, I mean, I love him, I do.

• 57:34Caleb Hammer?

  Yeah, there's, there's the difference, people love their spouses who are abusive, love's a complicated thing, doesn't mean it's right for you.

• 57:39Speaker 03

  Yeah, I know.

• 57:40Caleb Hammer?

  You literally won't touch his phone or look at his phone, cause you know he's fucking other bitches. That's crazy, and again, if you guys are open, totally fine, but you're not.

• 57:53Caleb Hammer?

  Why are you fucking other bitches so much? How many times have you fucked someone else with her?

• 57:56Speaker 03

  He's not gonna admit to anything.

• 57:58Speaker 04

  I don't know.

• 57:59Caleb Hammer?

  Take accountability for the first time in your life, let's see.

• 58:01Speaker 04

  I've, she knows about everything.

• 58:03Caleb Hammer?

  Then tell me.

• 58:04Speaker 03

  Not everything, I don't know if you've ever actually physically had sex with someone else.

• 58:08Caleb Hammer?

  Have you?

• 58:09Speaker 03

  I don't know that.

• 58:10Caleb Hammer?

  Have you?

• 58:10Speaker 03

  I can assume you've never admitted to it.

• 58:13Speaker 04

  Yeah, I mean, but still, the whole point, the whole point is.

• 58:17Caleb Hammer?

  Just answer the question, I control the conversation, thank you.

• 58:19Speaker 04

  She knows.

• 58:19Caleb Hammer?

  This isn't the Don Querries show, this is Caleb Hammer.

• 58:21Speaker 04

  I've told her multiple times, she, she can leave, I've told her multiple times, she doesn't have to be with me.

• 58:26Speaker 03

  We've had a conversation where I've told him that if he does not stay loyal, this, I will actually leave if I find another thing.

• 58:33Caleb Hammer?

  Will you answer honestly? Will you always?

• 58:36Speaker 04

  Always told her, this is how.

• 58:37Caleb Hammer?

  Hey, buddy, will you answer my questions honestly?

• 58:40Speaker 04

  Yeah, I'll do the best to my ability.

• 58:43Caleb Hammer?

  This is, okay, right, this is the time to actually just take accountability and work on your relationship. When was the last time you stuck it in someone that wasn't her? Honestly, because she will, okay, here's the thing. I want you to commit, cause he, he, he will lie. Let's put the past.

• 58:59Speaker 04

  It's not even about lying.

• 59:00Caleb Hammer?

  Stop for a second, I'm helping you actually right now, if you give me a moment.

• 59:05Caleb Hammer?

  If he admits to what he has done in the past, can we take that as a big moment? Be a little upset, yes, but then leave that and work on each other in the future.

• 59:14Speaker 03

  That's what I've been trying to do.

• 59:15Caleb Hammer?

  So you will accept that?

• 59:16Speaker 03

  Yes.

• 59:16Caleb Hammer?

  You, you promise that?

• 59:18Speaker 03

  But if he does it again, I will leave.

• 59:19Caleb Hammer?

  Okay, then you will not get in trouble. When was the last time?

• 59:24Speaker 04

  She already knows.

• 59:26Speaker 03

  I literally do not know the last time that you have had sex with someone else.

• 59:30Speaker 04

  Two months ago?

• 59:31Speaker 03

  Two months ago.

• 59:35Caleb Hammer?

  What was your relationship with this individual?

• 59:37Speaker 04

  Nothing.

• 59:38Speaker 03

  Probably sold her a car.

• 59:38Caleb Hammer?

  How'd you find her?

• 59:39Speaker 04

  I don't remember, actually.

• 59:40Speaker 03

  At work.

• 59:40Caleb Hammer?

  Well, shit, two weeks, two months ago. It was a client?

• 59:43Speaker 04

  Probably.

• 59:43Speaker 03

  Probably.

• 59:44Caleb Hammer?

  What the? Did you get her a discount?

• 59:47Speaker 04

  No.

• 59:48Caleb Hammer?

  Did you wear a condom?

• 59:49Speaker 04

  Yeah.

• 59:50Speaker 03

  Doubt it.

• 59:51Caleb Hammer?

  Why?

• 59:51Speaker 03

  Didn't wear a condom when we first got together.

• 59:53Caleb Hammer?

  Yeah, why would you?

• 59:54Speaker 03

  So I highly doubt it.

• 59:55Caleb Hammer?

  Why would you? They don't feel good.

• 59:56Speaker 04

  They don't really, they don't, they don't feel as good, but yeah, I did, so.

• 1:00:00Caleb Hammer?

  Okay, when was the time before that?

• 1:00:03Speaker 04

  Dude, I don't, I don't.

• 1:00:04Caleb Hammer?

  Try your best, big guy, I've used a big brain.

• 1:00:06Speaker 04

  I don't keep dates, they're.

• 1:00:08Caleb Hammer?

  I don't keep dates either.

• 1:00:09Speaker 04

  Too far apart, right?

• 1:00:10Caleb Hammer?

  So two weeks before that, probably?

• 1:00:12Speaker 04

  No, I don't know exactly.

• 1:00:13Caleb Hammer?

  Probably, three weeks? You don't have to give me an exact date, we're rounding, we're rounding.

• 1:00:17Speaker 04

  Yeah, just round, just keep rounding.

• 1:00:19Caleb Hammer?

  Is it every two weeks? Every three weeks? Every four weeks?

• 1:00:21Speaker 03

  It's probably been about a month since he's said that he's going to go somewhere after work and he won't tell me where he's going.

• 1:00:29Caleb Hammer?

  And you know what's happening.

• 1:00:30Speaker 03

  Exactly.

• 1:00:31Caleb Hammer?

  And when he gets home, then what?

• 1:00:34Speaker 04

  She tries to, like, you know, and I'm like, hey, like, let's not do that, like.

• 1:00:38Speaker 03

  He never wants to talk about it, ever.

• 1:00:40Caleb Hammer?

  And you don't do anything?

• 1:00:43Speaker 03

  I mean, he's his own person, I literally cannot stop, I cannot physically stop him from cheating, I can just say, hey.

• 1:00:49Caleb Hammer?

  But what do you do? You just, you don't care?

• 1:00:52Speaker 03

  Yes, I care, I care a lot.

• 1:00:53Caleb Hammer?

  What do you do? What do you say? How do you act?

• 1:00:56Speaker 03

  Well, I mean, I don't talk to him when he gets home.

• 1:00:59Speaker 04

  And she starts like crying and stuff, like.

• 1:01:01Caleb Hammer?

  And that has no impact on you?

• 1:01:03Speaker 04

  Yeah, it does.

• 1:01:03Caleb Hammer?

  That you're making your woman cry because you're fucking her woman?

• 1:01:05Speaker 04

  But she knows what this is. I've never, like, I, like, from the jump, dude, you know what I mean?

• 1:01:10Speaker 03

  But I've never agreed to it.

• 1:01:12Caleb Hammer?

  Okay.

• 1:01:13Speaker 04

  You agreed to it by staying with me, you could have left.

• 1:01:16Speaker 03

  No, cause you, you keep going back and saying, oh, I'm gonna be loyal, I'm gonna be a godly man, I'm gonna change.

• 1:01:22Speaker 04

  I've been trying.

• 1:01:22Speaker 03

  It's not that hard to not cheat.

• 1:01:24Speaker 04

  Not for some people, for others it is.

• 1:01:26Caleb Hammer?

  Oh, buddy, then go to therapy, come on.

• 1:01:28Speaker 04

  I might have to, I don't know, I might really have some wrong with me, but.

• 1:01:33Speaker 03

  On TikTok? From a girl?

• 1:01:39Caleb Hammer?

  Show me.

• 1:01:42Caleb Hammer?

  You will not be able to give an exact answer. I know that because that will be your excuse immediately to this question. Rounded, how many people do you think you have been with since you guys have been together? Think, guess.

• 1:01:54Caleb Hammer?

  Come on, try your best.

• 1:01:55Speaker 03

  It's a screenshot.

• 1:01:56Caleb Hammer?

  Try your best Connor.

• 1:01:57Speaker 04

  Single digits?

• 1:01:59Caleb Hammer?

  Okay, nine.

• 1:02:02Speaker 03

  I highly doubt that.

• 1:02:05Speaker 03

  Nine?

• 1:02:06Speaker 04

  I don't know. I don't count.

• 1:02:09Caleb Hammer?

  I didn't know he had a whole girlfriend and all it took was a follow and a message and boom, he was ready to risk it all. So just imagine, who else he be talking to though?

• 1:02:19Speaker 04

  They messaged me first.

• 1:02:19Caleb Hammer?

  This is Tuesday, so.

• 1:02:21Speaker 04

  Let's not forget.

• 1:02:21Caleb Hammer?

  It deleted the screenshot because it was a pic.

• 1:02:24Speaker 03

  It was a dick pic.

• 1:02:25Speaker 04

  Probably.

• 1:02:25Speaker 03

  And in the picture.

• 1:02:26Caleb Hammer?

  You just sent a dick pic?

• 1:02:27Speaker 04

  No, they messaged me first.

• 1:02:29Speaker 03

  He sent a dick pic that he has already sent to me, by the way. It wasn't a fresh dick pic. It was one that he sent right before he went to jail and you can literally see my initials on his arm in the picture.

• 1:02:40Speaker 04

  Okay, it's a tattoo.

• 1:02:41Caleb Hammer?

  We have her number. I'm gonna call her in the post show.

• 1:02:44Speaker 04

  What?

• 1:02:44Caleb Hammer?

  When was the last time, yeah, I'm calling her in the post show. When was the last time you had an STD test?

• 1:02:48Speaker 04

  Why are we doing that? I don't know, it wasn't that long ago.

• 1:02:53Caleb Hammer?

  How long?

• 1:02:53Speaker 03

  Probably while I was breaking.

• 1:02:54Speaker 04

  While I was in jail, you have to get one when you're in jail, so.

• 1:02:57Caleb Hammer?

  Why don't you let me in your phone?

• 1:02:58Speaker 04

  No.

• 1:02:59Caleb Hammer?

  Why?

• 1:03:00Speaker 04

  We can't.

• 1:03:00Speaker 03

  He won't even let the closest person to him in his phone.

• 1:03:04Caleb Hammer?

  Why's that?

• 1:03:04Speaker 04

  Because there's a lot of confidential work stuff in there that I can't.

• 1:03:06Caleb Hammer?

  I won't go through work stuff. I won't go through.

• 1:03:09Speaker 04

  Nah, there's no reason to do that.

• 1:03:10Caleb Hammer?

  Yeah, there is.

• 1:03:11Speaker 04

  No, there's not.

• 1:03:12Caleb Hammer?

  Absolutely.

• 1:03:12Speaker 04

  We, we already know what's going on, alright? Like, we don't need to.

• 1:03:14Caleb Hammer?

  I want to see how much.

• 1:03:15Speaker 04

  We don't need to, no, there's no reason to do that. Sorry.

• 1:03:19Caleb Hammer?

  Really?

• 1:03:19Speaker 04

  Yeah.

• 1:03:20Caleb Hammer?

  Leave him. It's not stopping. Leave him.

• 1:03:25Speaker 03

  I already told him I give him six months to like.

• 1:03:27Caleb Hammer?

  No, no, you've given him three and a half years. This is the father of your kid. Leave him. Go back to your family. Go back to your support system.

• 1:03:34Speaker 04

  Let's not forget, like, like besides the fact of.

• 1:03:36Caleb Hammer?

  You're fucking other bitches without her consent.

• 1:03:37Speaker 04

  Let's not forget about the fact of like, yeah, like the infidelity stuff, but like, bro, like, I'm not that bad. Like, I don't abuse her. I don't like, I don't mistreat her or the kid. I take care of them. I provide everything for her. Like, I do the best I can to take care of them.

• 1:03:49Caleb Hammer?

  This is what you're supposed to do.

• 1:03:52Speaker 04

  Okay, how many girls have a guy that completely and solely supports them?

• 1:03:57Speaker 03

  A lot.

• 1:03:58Caleb Hammer?

  Well, completely, you mean like, she gets to stay at home?

• 1:04:01Speaker 04

  She, yeah, she can do whatever she wants.

• 1:04:02Caleb Hammer?

  But is that what you're saying? Like, how many girls get to do that?

• 1:04:04Speaker 04

  No, how many girls have a guy that completely supports them? Like, 100%? Like, comfortably.

• 1:04:09Caleb Hammer?

  I think most relationships.

• 1:04:11Speaker 04

  No.

• 1:04:11Caleb Hammer?

  Have a guy that supports them and a girl that supports him.

• 1:04:15Speaker 04

  No.

• 1:04:16Caleb Hammer?

  What? What are you saying?

• 1:04:18Speaker 04

  Most females would be lucky to have a guy that, that like solely provides everything and handles everything for them. And takes care of everything. You don't have to do nothing.

• 1:04:30Speaker 04

  Like. I'm a pretty chill guy.

• 1:04:34Speaker 04

  I'm a pretty chill guy, like, for the most part.

• 1:04:36Caleb Hammer?

  Chill, let me go through your phone.

• 1:04:37Speaker 04

  Like, and there's been, no, like, there's been times that, like, like, me and her, like, get into it, like, over the phone, you know what I mean? Like, we've had a couple of arguments, like, here and there and stuff. She's like pushing me one time.

• 1:04:46Caleb Hammer?

  Let me go through your DMs only. I won't go through work stuff, let me. Why? What are you afraid of?

• 1:04:52Speaker 04

  Nothing.

• 1:04:52Caleb Hammer?

  She already knows everything, then let me go through it.

• 1:04:54Speaker 04

  No, we know everything. There's nothing to go through.

• 1:04:56Caleb Hammer?

  No, we don't, not until I see it.

• 1:04:57Speaker 04

  There's nothing to go through.

• 1:04:57Speaker 03

  I don't know how many people you're talking to on a daily.

• 1:04:59Caleb Hammer?

  Listen, if he will not let me go through it, then you'd have no idea and you will never know. You need to leave him because he won't stop. He won't stop. You need to leave him.

• 1:05:10Caleb Hammer?

  Once the baby weight's off, oh shit, it's been two years. Okay, you're almost attractive.

• 1:05:15Speaker 04

  She's, she's pretty hot.

• 1:05:17Speaker 03

  Baby weight?

• 1:05:18Caleb Hammer?

  Well, I thought, but then it's been two years. So, once you just lose weight, like, you will be attractive and you can have a lot of guys, huh?

• 1:05:25Speaker 04

  How long has it been for you?

• 1:05:25Speaker 03

  How much do you think I weigh?

• 1:05:27Speaker 04

  Baby weight.

• 1:05:28Caleb Hammer?

  Baby weight? Long time.

• 1:05:29Speaker 04

  I can tell.

• 1:05:30Caleb Hammer?

  Yes.

• 1:05:31Speaker 04

  Yeah.

• 1:05:32Caleb Hammer?

  So you will be able to have any man, including one that doesn't cheat on you. You should leave him. Objectively.

• 1:05:39Speaker 04

  Because I do what every guy does.

• 1:05:41Caleb Hammer?

  Every guy doesn't cheat?

• 1:05:44Caleb Hammer?

  You think every guy cheats?

• 1:05:46Speaker 04

  If he's, if he's not, she is.

• 1:05:48Caleb Hammer?

  What?

• 1:05:48Speaker 03

  I've never cheated on anyone.

• 1:05:49Caleb Hammer?

  Where is the statistics around this?

• 1:05:52Speaker 04

  Like, in the world?

• 1:05:54Caleb Hammer?

  Yeah?

• 1:05:55Speaker 04

  Yeah.

• 1:05:56Caleb Hammer?

  Oh, that was your answer?

• 1:05:57Speaker 04

  Yeah, like, that's a fact, dude. Like, every, everybody knows that, like, it's simple fact. Like, if you're one of those guys that are like, I'm all into the relationship, dude, dude, like, she's gonna cheat on you.

• 1:06:07Caleb Hammer?

  I think, oh, in terms of long-term relationships, there's a high, like, a cheat has happened percentage. I think it's close to like 50%, but not every two weeks.

• 1:06:16Speaker 04

  I'd say every two weeks, but.

• 1:06:17Caleb Hammer?

  You kind of. You were saying that.

• 1:06:20Speaker 04

  Like, dude, if the guy doesn't cheat, the girl's going to. Somebody's gonna cheat. They're always gonna cheat in a, in a relationship. In every single relationship, it's gonna happen. That's, that is a fact.

• 1:06:29Speaker 03

  I've never wanted to cheat on anyone for any reason, ever.

• 1:06:32Caleb Hammer?

  Not everybody. This is crazy.

• 1:06:34Speaker 04

  I really doubt, like, like, you, you need to find the random people across the world. Across the world.

• 1:06:40Caleb Hammer?

  Show me your checking account. This is financial audit. You can't argue against that one. Show me your checking account.

• 1:06:50Speaker 04

  But you can't take my phone and go through my phone.

• 1:06:52Caleb Hammer?

  I have to scroll through it, dude. I was already looking at the fucking screenshot. It'll be fine.

• 1:06:58Speaker 03

  You can go through mine.

• 1:06:59Speaker 04

  No.

• 1:07:00Caleb Hammer?

  I don't need your checking account.

• 1:07:00Speaker 04

  Then, then you're gonna take it.

• 1:07:01Speaker 03

  I don't have one.

• 1:07:02Caleb Hammer?

  I'm scrolling, dude. You're right there. You're seeing me. I need to see your checking account. It's financial audit, dude. You haven't let her see your checking account. I need to see your fucking checking account.

• 1:07:12Speaker 04

  I feel like you're setting me up right now.

• 1:07:14Caleb Hammer?

  You came up, I need to see your checking account. You, you wouldn't send it.

• 1:07:17Speaker 04

  I'm not worried about the, uh, checking account.

• 1:07:20Caleb Hammer?

  Let me see your che- This guy's a fucking moron, dude.

• 1:07:24Speaker 04

  Well, I just don't need you going through anything else on here.

• 1:07:27Caleb Hammer?

  I don't care about your other shit.

• 1:07:29Speaker 04

  You promise?

• 1:07:29Caleb Hammer?

  We're hour and four minutes in.

• 1:07:31Speaker 04

  Alright. What, do you want to see the, the statement?

• 1:07:35Caleb Hammer?

  You, you, your checking account. Just let me see your checking account. I'm gonna look at balances. I'm gonna look at things, dude. Oh my goodness, the moment you caught him cheating, he turned off his location? So he's not even like, he's not even like, saying he's gonna do better. He just says, oh, now you're just never gonna know.

• 1:07:50Speaker 03

  And then two weeks.

• 1:07:51Caleb Hammer?

  I'm sorry, you say?

• 1:07:52Speaker 03

  After that, he said he didn't want to do this anymore because he couldn't be loyal.

• 1:07:55Caleb Hammer?

  You're the victim in this, but I do have to just say, you staying with him for this long is absolutely pathetic. Man being arrested, a man who's a scammer for a living. This is pathetic what you are doing. That's the one thing he cares about. He doesn't care. Exactly, uh-huh, sure. Let me see your checking account.

• 1:08:11Speaker 03

  He's a great father.

• 1:08:13Caleb Hammer?

  Let me see your checking account.

• 1:08:14Speaker 04

  You're not gonna go through nothing else.

• 1:08:15Caleb Hammer?

  I don't care about anything else. I need to see your checking account.

• 1:08:19Speaker 04

  Alright.

• 1:08:20Caleb Hammer?

  You're right there.

• 1:08:22Speaker 04

  Look, I'm just gonna hold it.

• 1:08:23Caleb Hammer?

  No, you, I do, I need.

• 1:08:26Caleb Hammer?

  You're making it impossible to do my show and I have to do my show. I need to see your checking account. Fucking, geez. There's seven hours in there. Guy who makes 120,000 hours a year. Are you sure he's even been correct about his income?

• 1:08:38Speaker 04

  Seven dollars and 62 cents. Or 64 cents, something like that.

• 1:08:42Caleb Hammer?

  Ah, big guy.

• 1:08:43Speaker 04

  Yeah.

• 1:08:43Caleb Hammer?

  He's getting his Hulu declined three times in a row.

• 1:08:46Speaker 04

  I'm, that's, that, she, she did that. I'm, I'm not paying for that.

• 1:08:49Caleb Hammer?

  Dude, the one that makes 120,000 dollars a year.

• 1:08:50Speaker 03

  You're the one paying for the Hulu.

• 1:08:51Caleb Hammer?

  He's scamming you.

• 1:08:52Speaker 04

  I'm paying for the Hulu.

• 1:08:53Caleb Hammer?

  He's scamming you. I think he's fucking lying about everything. His Spotify declined.

• 1:08:58Speaker 04

  That's not my Spotify.

• 1:08:59Caleb Hammer?

  Apple bill, it doesn't matter. There are bills on your checking account. How do you not understand this?

• 1:09:03Speaker 04

  It's because she has that stuff on her Cash App and I put my card on her Cash App.

• 1:09:07Caleb Hammer?

  Apple bill declined twice.

• 1:09:09Speaker 04

  That's why.

• 1:09:09Caleb Hammer?

  Declined twice. Spotify declined three times. Apple bill declined three times. Cash App declined twice. Um, this is leading to multiple days ago. This man has lied to you about his financial situation. This is why he's not letting you see it.

• 1:09:21Speaker 04

  That's not true, actually. I've not.

• 1:09:23Caleb Hammer?

  Declined Apple bill three times. He's pay advancing a hundred dollars there. Pay advancing the man that makes 120,000 dollars a year.

• 1:09:31Speaker 04

  I did that for a hundred dollars.

• 1:09:34Caleb Hammer?

  Someone that makes 120,000 hours a year.

• 1:09:36Speaker 04

  Just because I wanted to. That was why.

• 1:09:38Caleb Hammer?

  No, it's because everything's getting declined.

• 1:09:40Speaker 04

  It's declined because my card's locked.

• 1:09:42Caleb Hammer?

  What? No, it's because you have 77 dollars in there. Seven dollars.

• 1:09:46Speaker 04

  Locked. That's why it's declined. If I wanted to put more, more money on there, I would.

• 1:09:51Caleb Hammer?

  Where's the rest of your money?

• 1:09:57Caleb Hammer?

  Oh, you live in a trailer park?

• 1:09:58Speaker 04

  No.

• 1:09:59Speaker 03

  No, we live in a RV, RV resort.

• 1:10:02Speaker 04

  Yeah.

• 1:10:04Caleb Hammer?

  Trailer park?

• 1:10:04Speaker 04

  It's not a trailer park at all. There's a big ass, like, fishing pond and hot tub, pool, like, a gym, all that shit. Like, it's not a trailer park.

• 1:10:10Speaker 03

  We live in a cabin, not in an RV.

• 1:10:12Speaker 04

  Trailer park.

• 1:10:13Caleb Hammer?

  Right.

• 1:10:14Speaker 04

  Yeah.

• 1:10:16Caleb Hammer?

  Right.

• 1:10:16Speaker 03

  Well, we can't get in anywhere else because of his background.

• 1:10:19Caleb Hammer?

  His payroll was 1,580 dollars. That's, that's our six-figure guy.

• 1:10:22Speaker 04

  That is the draw check. That's not my commission, so.

• 1:10:25Speaker 03

  Yeah, you gotta.

• 1:10:25Caleb Hammer?

  Where's your commission?

• 1:10:27Speaker 04

  It's in there.

• 1:10:28Caleb Hammer?

  Okay, I'm ready for it.

• 1:10:29Speaker 04

  Here, look, let me show you.

• 1:10:30Caleb Hammer?

  No, no. I'll find it. I'm going through everything. You will be fine.

• 1:10:33Speaker 03

  Or was it the fifth? That's when you get your commission? I don't know.

• 1:10:38Caleb Hammer?

  Coal, raw source, hundreds of dollars.

• 1:10:40Speaker 03

  Oh, look at dicks.

• 1:10:42Caleb Hammer?

  HE government payments.

• 1:10:45Speaker 03

  Who's that? Probation?

• 1:10:48Speaker 04

  Oh, yeah, yeah, probably. It was like, what, like, 300, 200?

• 1:10:50Caleb Hammer?

  Stuff, Dunkin', bullshit. Okay, 7,828 there. There it is.

• 1:11:00Speaker 04

  Buy my own financial advisor.

• 1:11:02Caleb Hammer?

  Oh, you're

• 1:11:04Speaker 04

  Cash is always a safety net.

• 1:11:05Caleb Hammer?

  Let's look at his DMs.

• 1:11:07Speaker 04

  No, no, no, no, no, no, no, no, no, uh-uh. We can't do this. We can't do this. No, sir. Let me see.

• 1:11:17Caleb Hammer?

  All right.

• 1:11:20Caleb Hammer?

  Tall, but not that tall.

• 1:11:21Speaker 04

  Sir, please do not do this, Caleb.

• 1:11:24Caleb Hammer?

  What? What are you afraid of?

• 1:11:25Speaker 04

  Caleb, just give me my phone.

• 1:11:26Caleb Hammer?

  Why?

• 1:11:27Speaker 04

  Caleb, give him my phone.

• 1:11:27Caleb Hammer?

  Or what? What are you afraid of?

• 1:11:32Speaker 00

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

• 1:11:59Caleb Hammer?

  What are you afraid of, guy?

• 1:12:00Speaker 04

  Sir, just let me see my phone. We can talk finances.

• 1:12:04Caleb Hammer?

  We sure can. Okay. Literally texting this girl like nine in the morning.

• 1:12:09Speaker 04

  Oh, my God.

• 1:12:11Speaker 03

  This morning?

• 1:12:11Caleb Hammer?

  Oh, my. Oh, yes. Actually, all day today so far. Oh, all right.

• 1:12:19Caleb Hammer?

  There's, okay, there's. Is wife her?

• 1:12:24Caleb Hammer?

  Is it?

• 1:12:24Speaker 03

  It should be.

• 1:12:26Caleb Hammer?

  Is it?

• 1:12:28Caleb Hammer?

  Oh, there's so many women in here. This is crazy.

• 1:12:31Speaker 04

  Okay, okay.

• 1:12:32Caleb Hammer?

  I guess I've seen enough. I'm fine with the rest. There you go.

• 1:12:37Speaker 04

  We can't.

• 1:12:39Caleb Hammer?

  Yeah, about five women a day. It's like five women.

• 1:12:43Speaker 04

  There's also coworkers in there that are women.

• 1:12:45Caleb Hammer?

  Yeah.

• 1:12:45Speaker 03

  Not a coworker.

• 1:12:47Caleb Hammer?

  That's not who I looked at. I was looking at the people you were wink face.

• 1:12:49Speaker 03

  This morning?

• 1:12:50Speaker 04

  Yeah.

• 1:12:52Speaker 03

  When just three days ago, you told me you weren't gonna do that anymore.

• 1:12:57Caleb Hammer?

  No, this is morning. Like, well, you guys were in the green room. He was texting her when he was sitting next to you and the baby. Bloody. Oh, you're right. It was right before coming in the building. That's true. So when you guys were together there?

• 1:13:11Caleb Hammer?

  What now?

• 1:13:13Caleb Hammer?

  Literally yesterday, there was, I think, three women around there, and this morning it was two.

• 1:13:17Speaker 04

  Those are coworkers.

• 1:13:18Caleb Hammer?

  No, I already, I scanned through their messages really quickly. Top-down camera has it. Buddy. Come on.

• 1:13:26Speaker 04

  Most of them are coworkers.

• 1:13:28Caleb Hammer?

  Then you're trying to fuck your coworkers.

• 1:13:30Speaker 04

  No.

• 1:13:31Caleb Hammer?

  See, then shut up. There were a lot of messages in there that I wasn't going through that were clearly work things.

• 1:13:38Speaker 04

  Yeah.

• 1:13:39Speaker 03

  Yeah, because you put the name of the person and then rent tone.

• 1:13:45Speaker 03

  Or sales lady. I know.

• 1:13:46Speaker 04

  The people that I work with.

• 1:13:47Speaker 03

  Yeah, so obviously, he's not gonna look at that.

• 1:13:50Caleb Hammer?

  Also, I'm just like not lying. Like, what the hell had to gain? It was right there. The cameras picked it up. Okay. Uh, and you're staying?

• 1:14:00Speaker 03

  I don't know now.

• 1:14:01Caleb Hammer?

  Really? Really? It's, I'm sorry, if you stay after that, you deserve it. You deserve the life of him just sticking it in women forever without your consent. Okay, if you guys were open, fine. That's totally chill. Yay!

• 1:14:14Speaker 04

  But she forgot to mention that she said she was okay with that for a short period of time. She was like, okay, if that's what you want to do. See, you said specifically, you can do whatever you want. I'm fine. I'm over it. Just do whatever you want. Just come home to me. Yeah, you did.

• 1:14:26Speaker 03

  No, this was whenever you said you didn't want to do this anymore, and we broke up, and I told you you're free to do whatever the fuck you want because we're not together.

• 1:14:34Speaker 04

  That was even like, no, that was all in like the same weird, confusing time, like of being not together together, that you were fine with me.

• 1:14:40Caleb Hammer?

  Gaslighter.

• 1:14:40Speaker 04

  With me doing like whatever I want to do. That's literally what she said.

• 1:14:44Speaker 03

  Okay.

• 1:14:44Speaker 04

  Like.

• 1:14:46Caleb Hammer?

  Such a gaslighter.

• 1:14:47Speaker 04

  Like, I'm not gaslighting. That's literally what was said.

• 1:14:50Speaker 03

  That I'm okay with something and then changed my mind.

• 1:14:53Speaker 04

  Okay, I can too.

• 1:14:57Speaker 04

  What?

• 1:14:57Caleb Hammer?

  Like, maybe he will be a professional golfer. You're just like Tiger Woods' dad.

• 1:15:01Speaker 04

  Like Tiger Woods.

• 1:15:02Speaker 03

  Or Tiger Woods in general.

• 1:15:03Caleb Hammer?

  You're a piece of shit, dude.

• 1:15:05Speaker 04

  How?

• 1:15:06Caleb Hammer?

  You were driving with her this morning while texting this other woman.

• 1:15:08Speaker 04

  No, I was not. We were not driving together while I was texting.

• 1:15:12Caleb Hammer?

  Oh, great.

• 1:15:17Caleb Hammer?

  Why, how are you possible? Why are you going home with that? Why?

• 1:15:21Speaker 03

  I ain't got nowhere else to go out here. No family. I have one friend.

• 1:15:24Caleb Hammer?

  Dude, I will buy you a plane ticket back with the kid to Florida. I'm happy to.

• 1:15:30Caleb Hammer?

  This guy is a piece of shit in every way whatsoever.

• 1:15:33Speaker 04

  Besides the ways that I'm not, right? Besides the ways that I'm not. We only want to focus on the bad stuff. We don't want to focus on the good stuff.

• 1:15:39Caleb Hammer?

  Dude, your bad stuff is a convict multiple times, including just out this last July.

• 1:15:44Speaker 04

  When I was young.

• 1:15:45Caleb Hammer?

  You just got out in July!

• 1:15:48Speaker 04

  From a charge when I was 18.

• 1:15:50Caleb Hammer?

  He scams poor people for a living.

• 1:15:51Speaker 04

  No, I don't.

• 1:15:53Caleb Hammer?

  He'll keep saying no, no, no, but these are the realities.

• 1:15:55Speaker 04

  What about the way that I provide for my family?

• 1:15:57Caleb Hammer?

  He's talking to the other woman that he's fucking this morning and multiple other women throughout this past week.

• 1:16:02Speaker 04

  What about the way I provide for my family? And I provide for my kids.

• 1:16:06Caleb Hammer?

  Through scamming. She can go live with her family. She'll have a support system, and she can be fine. Okay?

• 1:16:12Speaker 04

  You only think it's scamming because I'm not working at a big car dealership.

• 1:16:15Caleb Hammer?

  Prison was having a DWI, not because of something.

• 1:16:18Speaker 04

  It wasn't a DWI. Actually, it got dropped because there was no reason for me to even be arrested.

• 1:16:23Caleb Hammer?

  Then why would you go back to jail?

• 1:16:24Speaker 04

  Because I got a violation from the charge when I was 18.

• 1:16:28Caleb Hammer?

  What was the violation?

• 1:16:29Speaker 04

  It was just a whole bunch of not, like, not doing my community service hours, not paying my like my like fees.

• 1:16:34Caleb Hammer?

  The things that you committed to that got you out of jail. Fuck you. You deserve to go back.

• 1:16:37Speaker 04

  She even knows. I was working hard, right?

• 1:16:39Speaker 03

  He was.

• 1:16:40Speaker 04

  I would wake up five in the morning.

• 1:16:42Caleb Hammer?

  To do?

• 1:16:42Speaker 04

  Yes.

• 1:16:42Caleb Hammer?

  Did you do everything?

• 1:16:43Speaker 03

  He is.

• 1:16:44Caleb Hammer?

  Then why would they say you didn't?

• 1:16:46Speaker 04

  Because that was part of it.

• 1:16:47Speaker 03

  Finish it.

• 1:16:48Speaker 04

  I didn't finish it.

• 1:16:49Caleb Hammer?

  You have to do the thing you agreed to.

• 1:16:51Speaker 04

  No, no, no.

• 1:16:52Caleb Hammer?

  You deserve to go back.

• 1:16:53Speaker 04

  Listen, listen, listen, listen. When I, yes, from the time that I got in trouble up until like before I met her, I was not doing the right thing.

• 1:17:00Caleb Hammer?

  I was told what was actually happening. He was sitting at the coffee shop right nearby texting other women while his kid was running around. That's what he was doing.

• 1:17:06Speaker 04

  No, I was not. I was on TikTok outside. I was right next to her.

• 1:17:08Caleb Hammer?

  We have your

• 1:17:10Speaker 03

  I can't see your phone from the side.

• 1:17:12Caleb Hammer?

  Yeah, why don't you let her go through your phone right now?

• 1:17:13Speaker 04

  I was on TikTok.

• 1:17:14Caleb Hammer?

  If not me, let her.

• 1:17:15Speaker 04

  No.

• 1:17:16Caleb Hammer?

  Why?

• 1:17:16Speaker 03

  Last time I tried, he snatched it right out of my hand.

• 1:17:19Caleb Hammer?

  Leave him. Leave him. What is the benefit of staying with him other than the financial trap he has you in? Tell me, anything else?

• 1:17:25Speaker 04

  She's not in a financial trap.

• 1:17:26Caleb Hammer?

  Shut the fuck up. Tell me.

• 1:17:28Speaker 04

  Financial trap.

• 1:17:28Caleb Hammer?

  Tell me, what is the benefit?

• 1:17:30Speaker 04

  Like, what are you talking about?

• 1:17:31Speaker 03

  Him getting to see his son, and that's really it.

• 1:17:33Caleb Hammer?

  Fuck him. I don't give a shit about him. Fuck him.

• 1:17:35Speaker 04

  Right, because I don't do anything else, right? I don't do anything else. I'm just that bad.

• 1:17:40Caleb Hammer?

  You like, that's it. Is that what you do?

• 1:17:42Speaker 03

  You provide.

• 1:17:43Caleb Hammer?

  Are you a gold digger whore? Are you? Then leave.

• 1:17:46Speaker 04

  I'm just that bad.

• 1:17:48Caleb Hammer?

  Yes!

• 1:17:49Speaker 03

  All you do is cheat.

• 1:17:50Speaker 04

  I'm just, all right.

• 1:17:51Caleb Hammer?

  That is literally all you do is cheat.

• 1:17:55Caleb Hammer?

  That is all you do.

• 1:17:56Speaker 04

  It's not. I go to work. I exercise.

• 1:17:59Caleb Hammer?

  And then he picks up his women there.

• 1:18:00Speaker 03

  Exactly.

• 1:18:01Speaker 04

  I exercise. I spend time with my family. We do stuff.

• 1:18:06Speaker 03

  While you're texting other bitches.

• 1:18:08Caleb Hammer?

  Yes.

• 1:18:08Speaker 03

  Literally.

• 1:18:10Speaker 04

  No, not always.

• 1:18:11Speaker 03

  He just proved it.

• 1:18:13Speaker 04

  Not always.

• 1:18:14Caleb Hammer?

  And again, here's the thing. I, again, if you guys were open, I literally do not care. That's a consensual thing.

• 1:18:19Speaker 04

  That's what I'm saying.

• 1:18:20Caleb Hammer?

  You aren't. You're cheating. It's not consensual. How did you think I was?

• 1:18:25Speaker 04

  She's know what this was.

• 1:18:26Speaker 03

  I'm not okay with it, though. Did I not just tell you if you do it again, I'm leaving?

• 1:18:30Caleb Hammer?

  Oh, he's doing it right now. When did you tell him that? When did you do that? When did you tell him that? When did you tell him that?

• 1:18:35Speaker 03

  Two weeks ago.

• 1:18:36Caleb Hammer?

  Okay, well, he's doing it literally this morning, so he's doing it again. Are you gonna commit? Are you gonna commit to your promise? Or are you just gonna be a victim forever? Because that's what you're doing. I'm sorry, if you stay with him now, all sympathy is done. You're choosing that life. You're choosing that life at that point.

• 1:18:51Speaker 04

  You can leave.

• 1:18:58Caleb Hammer?

  Controls the money, convinces you to not forward your life at all.

• 1:19:01Speaker 04

  I don't control the money.

• 1:19:01Caleb Hammer?

  To trap you. Let's be honest. I can't believe anything you say.

• 1:19:04Speaker 03

  Money you have, why do you not tell me?

• 1:19:06Speaker 04

  Because what do you need to know for? If you need anything, I'll, I'll buy it. I'll pay for it. I've never, I don't tell you no hardly. I give you everything that I can. I'm the one that makes you buy better stuff because you want to buy cheap shit. And I'm like, no, go ahead and buy this nice outfit. Buy these pairs of shoes. Buy this, buy that. I got it, babe. Don't worry about it.

• 1:19:24Speaker 03

  When we first got together.

• 1:19:25Speaker 04

  Like what?

• 1:19:25Speaker 03

  When we first got together, you weren't making that much money.

• 1:19:28Speaker 04

  She can leave. I've told her we have had this conversation so many fucking times.

• 1:19:31Caleb Hammer?

  You need to.

• 1:19:31Speaker 04

  She can leave.

• 1:19:32Caleb Hammer?

  Just because you love him doesn't mean this is good. You will find love. You are, again, almost so attractive. You will do so well if you lose 20 pounds.

• 1:19:42Speaker 04

  You don't need to lose 20 pounds.

• 1:19:44Speaker 03

  Think I weigh?

• 1:19:45Caleb Hammer?

  Stand up?

• 1:19:45Speaker 04

  He's looking at your tits.

• 1:19:47Caleb Hammer?

  Well, she has good boobs, and it's also, oh, oh, well, hold on. Everything was just coming up. Okay. 10 pounds, and, and we are looking at a eight? Even? Nine, maybe?

• 1:19:59Speaker 04

  Eight.

• 1:20:00Caleb Hammer?

  A nine. We're thinking a nine out of 10. Losing 10 pounds. Like, that's incredible.

• 1:20:03Speaker 04

  Definitely a nine.

• 1:20:04Caleb Hammer?

  Well done. That means you

• 1:20:05Speaker 03

  I want to touch his hand.

• 1:20:06Speaker 04

  She's definitely a nine. She has a crush on you.

• 1:20:08Speaker 03

  No, I don't.

• 1:20:09Caleb Hammer?

  Thank you. I will give you a better life than this man ever would.

• 1:20:13Speaker 04

  Wow, I mean, probably, yeah.

• 1:20:15Caleb Hammer?

  I mean, objectively.

• 1:20:16Speaker 04

  Yeah. I make shit happen my whole life.

• 1:20:21Caleb Hammer?

  And I'm gonna continue to make stuff happen.

• 1:20:24Speaker 04

  I'm gonna continue to make stuff happen.

• 1:20:26Caleb Hammer?

  You're very beautiful.

• 1:20:27Speaker 03

  You hear that? Thank you.

• 1:20:28Speaker 04

  She is beautiful.

• 1:20:30Caleb Hammer?

  Shut the

• 1:20:30Speaker 03

  Obviously not enough for you to say

• 1:20:31Caleb Hammer?

  Yeah, clearly not.

• 1:20:33Speaker 04

  What do you mean clearly not?

• 1:20:34Caleb Hammer?

  You're touching another bitch this morning, who by the way, by the picture, she's actually more attractive.

• 1:20:39Speaker 04

  Yes.

• 1:20:39Caleb Hammer?

  As far as I can tell. See, he doesn't even, it's like, what are we doing? Like, I don't understand. If you stay.

• 1:20:46Speaker 03

  She has a picture on your messages, like you put a picture on there?

• 1:20:50Speaker 04

  No.

• 1:20:52Speaker 03

  Then how does she have one?

• 1:20:53Speaker 04

  So when you

• 1:20:54Speaker 01

  This holiday, all plans, even unlimited, are just fifteen dollars a month. A holiday deal this good obviously deserves an enormously expensive holiday song, like All I Want Right. Okay, we can afford that. You know what? Forget the music budget. We're gonna stick with whatever's in the public domain. Give it a try at mintmobile.com/switch.

• 1:21:12Speaker 05

  Upfront payment of forty-five dollars for three months, ninety dollars for six months, or one hundred and eighty dollars for twelve month plan required. Fifteen dollars per month equivalent, taxes and fees extra. New customer offer for initial plan term only. Greater than fifty gigabytes may slow when network is busy. See terms.

• 1:21:24Speaker 04

  When you message somebody, if they have their iCloud information saved already, it like pops up.

• 1:21:28Speaker 03

  You have to click accept. Yeah, you do.

• 1:21:32Speaker 04

  Mm-mm. I text mother for a living, like, what?

• 1:21:36Caleb Hammer?

  I'm confused. If you're from Florida, did you meet in Florida?

• 1:21:39Speaker 03

  Mm-hmm.

• 1:21:39Speaker 04

  Yeah.

• 1:21:40Caleb Hammer?

  Why? Why were you there?

• 1:21:41Speaker 04

  I was

• 1:21:42Speaker 03

  He was on the run.

• 1:21:43Speaker 04

  Living to veto Loken, man.

• 1:21:44Caleb Hammer?

  On the run?

• 1:21:45Speaker 03

  Yeah, that's why he had to go and turn himself in. I did not know this. He told me his name

• 1:21:51Caleb Hammer?

  Talking like fucking

• 1:21:51Speaker 03

  He was from California.

• 1:21:54Caleb Hammer?

  Gals.

• 1:21:55Speaker 03

  He told me his name. He was from California. I did not know

• 1:21:58Caleb Hammer?

  He lied about his name?

• 1:22:00Speaker 03

  And where he was from.

• 1:22:01Caleb Hammer?

  And you were like, let's stay with him?

• 1:22:03Speaker 03

  No, I got pregnant.

• 1:22:05Speaker 04

  It was a troll, dude, like

• 1:22:06Caleb Hammer?

  No, you can get pregnant.

• 1:22:07Speaker 03

  You were trolling

• 1:22:08Caleb Hammer?

  You can get pregnant and not stay with the guy.

• 1:22:10Speaker 04

  It wasn't that deep, like

• 1:22:11Speaker 03

  Well, I know that, but I wanted to

• 1:22:12Caleb Hammer?

  It was a troll. You are a master coper, a master coper, master gaslighter. This is crazy. I don't know if I've ever experienced anything like this in my life.

• 1:22:20Speaker 04

  It was a troll.

• 1:22:22Caleb Hammer?

  What kind of troll is that?

• 1:22:24Speaker 04

  Like, nah, I'm just

• 1:22:26Caleb Hammer?

  Did he say, I'm just fucking with you?

• 1:22:27Speaker 03

  Not till like after I told him I was pregnant. You did not tell me you were from Texas. You did not tell me anything.

• 1:22:34Speaker 04

  Good. I just met you. You were a stranger.

• 1:22:38Caleb Hammer?

  You were fucking her.

• 1:22:41Speaker 04

  Okay.

• 1:22:42Caleb Hammer?

  Some people consider that some kind of, I don't. But if you completely lie about everything to get with someone, people consider that rape.

• 1:22:48Speaker 03

  You told me your name and you were from California. Yes.

• 1:22:51Speaker 04

  Yeah, I guess.

• 1:22:55Speaker 04

  I mean, my, like, okay.

• 1:22:59Speaker 03

  You might go by sometimes, but that's not your name.

• 1:23:02Caleb Hammer?

  Gosh, this is crazy. So she

• 1:23:04Speaker 04

  But anyways

• 1:23:05Caleb Hammer?

  She was telling in the green room that you always, or that you left for a haircut that normally takes an hour and you returned three hours later. And then the next day she found stains in your underwear.

• 1:23:13Speaker 04

  Why are you going through my underwear?

• 1:23:14Speaker 03

  No, no, no, no, no, no.

• 1:23:16Speaker 04

  No.

• 1:23:17Speaker 03

  You know how I pick up all your clothes that are on the floor?

• 1:23:20Caleb Hammer?

  Yeah, exactly. What the fuck are you talking about?

• 1:23:21Speaker 03

  Yes. DJ, yes, I wasn't like, oh, no, I pick up the underwear. There's stains all over.

• 1:23:26Speaker 04

  You definitely

• 1:23:27Speaker 03

  Why would I do that?

• 1:23:27Speaker 04

  You, that's stuff that you would do.

• 1:23:31Speaker 04

  That's stuff that you would do. You'd be like, oh, let me look in his underwear. Let me smell his underwear. Like, that's stuff you would do.

• 1:23:39Speaker 04

  How else would you have noticed that? If, if, if you're just grabbing something off the floor and you're gonna throw it into a laundry basket, how would you notice something on the inside?

• 1:23:46Speaker 03

  Your underwear is inside out and there's stains all over. I don't have to like examine it.

• 1:23:50Speaker 04

  You would have had to pick it up and look at it. You would have had to pick it up and look at it.

• 1:23:53Speaker 03

  No, not necessarily, no.

• 1:23:54Caleb Hammer?

  I'm sorry, after the last cheat, why, why did you stick even just the last cheat? Cause you knew that was like

• 1:24:00Speaker 03

  Well

• 1:24:00Caleb Hammer?

  The twentieth, thirtieth.

• 1:24:02Speaker 03

  We did break up for a little while there, but

• 1:24:05Caleb Hammer?

  How long?

• 1:24:05Speaker 03

  Then, I don't know.

• 1:24:06Caleb Hammer?

  Why'd you get back with him?

• 1:24:08Speaker 03

  Cause he promised me he would change and he was gonna get closer to God and be a good

• 1:24:12Caleb Hammer?

  What a

• 1:24:13Speaker 03

  Husband and father and

• 1:24:15Caleb Hammer?

  Husband, he won't marry you!

• 1:24:17Speaker 04

  I do try to be a good dad.

• 1:24:19Caleb Hammer?

  Oh, he tries.

• 1:24:20Speaker 04

  For sure.

• 1:24:21Caleb Hammer?

  What percentage of chance are you actually leaving him?

• 1:24:22Speaker 04

  I'm a pretty good dad.

• 1:24:23Caleb Hammer?

  Cause it damn near better, better be a hundred, but I want you to give the real answer.

• 1:24:27Speaker 04

  I just don't see

• 1:24:28Caleb Hammer?

  Come on.

• 1:24:29Speaker 04

  I just don't see why that's like

• 1:24:30Caleb Hammer?

  Shut the fuck up!

• 1:24:31Speaker 04

  I don't get why.

• 1:24:32Speaker 03

  I wanna actually go through that, the messages.

• 1:24:34Caleb Hammer?

  He won't let you.

• 1:24:35Speaker 04

  Yeah, that's not happening.

• 1:24:36Caleb Hammer?

  Okay, so what chance would you leave?

• 1:24:39Speaker 03

  A hundred.

• 1:24:40Caleb Hammer?

  You're leaving.

• 1:24:42Caleb Hammer?

  Good. I am proud of you.

• 1:24:45Caleb Hammer?

  Good. Hey, that's a sad moment.

• 1:24:48Speaker 04

  You feel good about yourself?

• 1:24:50Caleb Hammer?

  Yeah, saving a woman from a horrible relationship and giving the kid a better life, one hundred percent.

• 1:24:55Speaker 04

  A better life?

• 1:24:56Caleb Hammer?

  Yes. Buddy, just because you make an income doesn't mean everything else is excusable.

• 1:25:00Speaker 04

  I'm a great dad.

• 1:25:02Speaker 03

  You are a good dad, but

• 1:25:04Caleb Hammer?

  I'm gonna touch your hand to upset him. The thing is

• 1:25:06Speaker 04

  I'm a great dad.

• 1:25:08Caleb Hammer?

  This will be very sad. And I'm sorry what you're going to have to go through, cause it's gonna be a big bummer. And you love him and you leaving is gonna be hard.

• 1:25:17Speaker 04

  Oh, Jesus Christ, guys, come on now.

• 1:25:19Caleb Hammer?

  Hard. It really is.

• 1:25:21Speaker 04

  Uh, this is that sappy shit.

• 1:25:22Caleb Hammer?

  Life will be so much better without him, okay?

• 1:25:27Speaker 04

  Are you gonna, are you gonna help to provide for her then?

• 1:25:30Caleb Hammer?

  I will get her a plane ticket home.

• 1:25:31Speaker 04

  Are you gonna give her like a monthly allowance to be able to take care of herself?

• 1:25:34Speaker 03

  Do you give me a monthly allowance?

• 1:25:35Caleb Hammer?

  Family back home?

• 1:25:36Speaker 03

  Yes.

• 1:25:36Caleb Hammer?

  There you go. She has a support system.

• 1:25:38Speaker 04

  Your allowance is buying whatever you want. Like, whatever you need, I, I get it. I take care of it.

• 1:25:45Speaker 04

  Like, what? I mean, leave, go do what you wanna do, but like

• 1:25:48Speaker 03

  It's the fact that you, you're not like, there's no apologies. There's no like

• 1:25:53Caleb Hammer?

  That is crazy.

• 1:25:54Speaker 03

  No, nothing.

• 1:25:55Speaker 04

  What, what am I begging for? You, like, this has been what it's, what it's been.

• 1:25:59Caleb Hammer?

  Really? Even now, as she's leaving, you're just saying that sappy bullshit and you won't even apologize?

• 1:26:05Speaker 04

  This is what it is. This is what she knows. Like, what do you mean? Like, I'm not a bad guy that this is like the first time that, oh my God, a major discovery in science has happened. No, this like, what? She's known this stuff from the beginning.

• 1:26:19Caleb Hammer?

  From here.

• 1:26:19Speaker 04

  She's known this from the beginning.

• 1:26:21Caleb Hammer?

  She's gonna leave you. A fat five-nine allegedly Jewish looking guy is gonna get permission to stick his dick in her. Yeah, that's how far you're falling.

• 1:26:32Speaker 04

  Well, I'll tell you this.

• 1:26:34Caleb Hammer?

  That part was a joke, but in reality

• 1:26:36Speaker 04

  Yeah, in reality, if

• 1:26:37Caleb Hammer?

  In reality, I'm

• 1:26:38Speaker 04

  You can satisfy her after The things that I can do, then I'll give you a shot.

• 1:26:43Caleb Hammer?

  Joking in number two, in reality, no, girl, I'm sorry, I'm a two and a half minute. You no chance of being satisfied.

• 1:26:48Speaker 04

  Yeah.

• 1:26:49Caleb Hammer?

  Uh, but again, that was a joke. In reality, she is gonna leave you. I'm gonna play, pay for her plane ticket home. I really am for her and the kid. First class. First class? Yeah, yeah, yeah. We're all on support here. We're gonna send her resources. We're gonna, I'm gonna help her get that job back if I can provide like a recommendation.

• 1:27:06Speaker 04

  Well, I'm not being without, without, without my kids.

• 1:27:08Caleb Hammer?

  Ready to live on her own, I will cover first month, last month and down payment, okay? Yeah? No, no, that's to you. Yes, do you understand?

• 1:27:17Speaker 03

  If I were to choose to stay here and not be with him, because there's no opportunities where I live.

• 1:27:22Caleb Hammer?

  Stay in San Antonio?

• 1:27:23Speaker 03

  Well, not necessarily San Antonio, just Texas in general.

• 1:27:26Caleb Hammer?

  Move in. Um, okay, uh, okay, I guess, sure, but you don't have a support system here. If you wanna stay, yes.

• 1:27:33Speaker 04

  I'm always gonna be there. So whether we're together or not

• 1:27:36Caleb Hammer?

  Keep the kid nearby.

• 1:27:37Speaker 04

  I will always provide for her.

• 1:27:38Caleb Hammer?

  I will get you first month, last month and, uh, security deposit, sure.

• 1:27:41Speaker 04

  I will pay for that.

• 1:27:43Caleb Hammer?

  Sure.

• 1:27:45Speaker 04

  So

• 1:27:47Caleb Hammer?

  Good. It's settled. Leave him.

• 1:27:49Speaker 04

  I'll pay for that.

• 1:27:50Caleb Hammer?

  Deal? So let's look at your, I'm sorry, guys, this took a long time to get into the finance. I, I really do apologize. I actually do try to get into the finances earlier. But you see just how deep this fucking situation is?

• 1:28:01Speaker 04

  It's cause you just

• 1:28:01Caleb Hammer?

  And we're saving a woman here.

• 1:28:03Speaker 04

  You always just want somebody to leave somebody else, like

• 1:28:05Caleb Hammer?

  No, only when it's valid. Why would I actually wanna break up a, like, a parents of kids?

• 1:28:10Speaker 04

  Exactly. That's what I'm trying to figure out.

• 1:28:13Caleb Hammer?

  The answer is because of everything you've done.

• 1:28:17Speaker 04

  Providing for her?

• 1:28:18Caleb Hammer?

  How good's her head game?

• 1:28:21Caleb Hammer?

  Good. Glad to hear.

• 1:28:26Caleb Hammer?

  Don't let him ever experience it again.

• 1:28:31Caleb Hammer?

  Again, that was a joke, but actually literally never sleep with him again. Like, because first of all, who knows how much AIDS this guy has? Not a racial thing, more just pattern.

• 1:28:40Speaker 04

  It's definitely a racial thing.

• 1:28:42Caleb Hammer?

  No, dude, you're sticking in women left and right.

• 1:28:45Speaker 04

  Anyways, yeah, let's, yeah.

• 1:28:47Caleb Hammer?

  No, and your collections, which by the way, you having collections is a pathetic joke.

• 1:28:51Speaker 04

  They're old.

• 1:28:52Caleb Hammer?

  And I don't care about them. You can go fuck yourself.

• 1:28:54Speaker 04

  Yeah, they're old. So can you, like, Jesus Christ.

• 1:28:57Speaker 03

  I don't have, this is all him.

• 1:28:58Caleb Hammer?

  Oh, what's your financial situation?

• 1:29:00Speaker 03

  None.

• 1:29:00Caleb Hammer?

  Oh, okay. Well, okay, so this is the time that we looked at. Yeah, he's spending all his money on bullshit. Thing is, I don't care. So do you have a checking account?

• 1:29:07Speaker 03

  Yeah, I have a chime.

• 1:29:08Caleb Hammer?

  Okay, pull up yours on your phone real quick. I need to see your stuff. I need to see your stuff. And we're gonna call the woman he tried to cheat on here soon. So you can really, you're already at a hundred percent. I need you to be at a hundred fifty percent, cause I have a fear that you're only at a hundred percent right now.

• 1:29:22Speaker 04

  I never even talked to her like that. Like, what? I don't know what we're talking about.

• 1:29:27Speaker 03

  What?

• 1:29:28Speaker 04

  Calling

• 1:29:29Caleb Hammer?

  I have no idea how you put it up with this man. I really don't. I really don't.

• 1:29:34Speaker 03

  That's from when I had to

• 1:29:35Caleb Hammer?

  Negative eight dollars. That's really scary. I'm gonna screen record this.

• 1:29:38Speaker 03

  Okay.

• 1:29:39Caleb Hammer?

  No way we can put it on screen, cause the financial part of the episode is gonna revolve around his finances, but I mean, this is fair. Are you guys on my side? I would hope so, that he can go fuck himself and we need to save her. Even with all the jokes, haha, yeah, no, no, obviously

• 1:29:53Speaker 04

  Yeah, everybody come and save her, yeah, cause it's so bad.

• 1:29:55Caleb Hammer?

  But we do need to get her away from him. How do you not understand how bad you

• 1:30:01Speaker 04

  She's not

• 1:30:01Caleb Hammer?

  She got this with how you financially manipulated and kinda controlled her from getting her GED. Yes.

• 1:30:06Speaker 04

  I don't control her from getting

• 1:30:07Caleb Hammer?

  You didn't force her in gunpoint, but you've talked her out of it a lot.

• 1:30:10Speaker 04

  Do any of that stuff. What are we talking about?

• 1:30:13Caleb Hammer?

  And you should. I'll pay for your GED.

• 1:30:14Speaker 04

  She can leave at any time and do whatever she wants.

• 1:30:16Caleb Hammer?

  I'll pay, I'll pay for you to get your GED and I'll pay for

• 1:30:19Speaker 04

  My ass complaining all day.

• 1:30:21Caleb Hammer?

  Are you complaining all day?

• 1:30:22Speaker 04

  Yeah.

• 1:30:23Caleb Hammer?

  About what?

• 1:30:24Speaker 03

  The only thing that I complain about is how many bitches he has on his TikTok. That's the only thing. That's the only thing. And they're constantly like complimenting him and he'll go and heart it.

• 1:30:34Caleb Hammer?

  Look at his, look at his text messages. That'll really, really throw you.

• 1:30:39Speaker 03

  That's the only thing I complain about.

• 1:30:41Caleb Hammer?

  Uh, okay, yeah, let's, let's cut that chat GPT subscription. I don't think you, Spotify, that, come on, what are we doing?

• 1:30:46Speaker 03

  I never got the chat GPT.

• 1:30:48Caleb Hammer?

  Objectively, you do. It's attached.

• 1:30:50Speaker 04

  Chat GPT

• 1:30:51Caleb Hammer?

  Paying for, you shouldn't be paying for Kindle. Let's cancel it. I, it's nice to have, but we do not need it when we make zero dollars.

• 1:30:58Speaker 03

  That's also connected to my mom's cash app. So some of those could just not be mine.

• 1:31:04Caleb Hammer?

  Well, DoorDash better not be yours.

• 1:31:05Speaker 03

  Those were not.

• 1:31:06Caleb Hammer?

  Howie's hungry. Howie's. What do your parents know?

• 1:31:10Speaker 03

  Nothing. They love him. I don't tell them anything.

• 1:31:14Caleb Hammer?

  Can you call them real quick?

• 1:31:15Speaker 03

  Mm-mm.

• 1:31:16Caleb Hammer?

  We need to.

• 1:31:17Speaker 03

  Mm-mm.

• 1:31:17Caleb Hammer?

  You need, uh, girl, okay, then.

• 1:31:19Speaker 03

  That's one thing that I'm not gonna do.

• 1:31:21Speaker 04

  That's still one thing she does.

• 1:31:22Caleb Hammer?

  She's not leaving him.

• 1:31:23Speaker 03

  I just don't want to tell them why.

• 1:31:25Caleb Hammer?

  She's not leaving him.

• 1:31:26Speaker 03

  I already told her that we weren't together when we broke up and that's.

• 1:31:30Caleb Hammer?

  Why?

• 1:31:31Speaker 03

  I didn't give her a reason.

• 1:31:32Caleb Hammer?

  Why can't they know?

• 1:31:33Speaker 03

  Cause I just don't want them to.

• 1:31:34Caleb Hammer?

  They should know so they can support you and actually.

• 1:31:36Speaker 03

  They already support me.

• 1:31:37Caleb Hammer?

  No, no, no, no. Because if you get back together with him, they'll think you had a little fight. They don't know how bad it is.

• 1:31:42Speaker 04

  They are ready to support her regardless.

• 1:31:43Caleb Hammer?

  Shut the [__] up, dude.

• 1:31:45Speaker 04

  Whatever her choices. That's what I'm trying to get you to do.

• 1:31:48Caleb Hammer?

  Me on my show?

• 1:31:49Speaker 04

  You just keep doing all this like you did to just, she, she got the point, alright? Like she knows.

• 1:31:53Caleb Hammer?

  I'm, I'm fearing that she doesn't because she won't even tell her parents.

• 1:31:56Speaker 04

  It's not because of that she won't leave. It's because of the fact that she just doesn't like that kind of drama.

• 1:32:01Speaker 03

  But she doesn't, yeah, she just doesn't know what's been going on as of recently. She does know that he has cheated in the past.

• 1:32:07Caleb Hammer?

  She needs to.

• 1:32:08Speaker 03

  And she would understand if I just told her.

• 1:32:10Caleb Hammer?

  Why can't we tell her?

• 1:32:11Speaker 04

  Yeah, she doesn't even have a reason to go home.

• 1:32:13Caleb Hammer?

  Well, here's the thing.

• 1:32:14Speaker 04

  She can just go home.

• 1:32:15Caleb Hammer?

  90% chance she sees this episode because these go everywhere.

• 1:32:18Speaker 03

  And she won't, she doesn't.

• 1:32:19Caleb Hammer?

  Dude, clips pop up.

• 1:32:20Speaker 03

  I know, but she doesn't.

• 1:32:20Caleb Hammer?

  The moment someone recognizes you, they're sending the clip to her.

• 1:32:24Speaker 03

  Maybe, but.

• 1:32:25Caleb Hammer?

  Yes, I know how this goes.

• 1:32:27Speaker 03

  Then she'll find out then, but.

• 1:32:30Caleb Hammer?

  She's not leaving her, guys.

• 1:32:33Speaker 04

  Yeah, she will.

• 1:32:33Speaker 03

  I actually will. We've already talked about this. Literally a lot of that is.

• 1:32:38Caleb Hammer?

  Shit, it's, it's really bad.

• 1:32:40Speaker 03

  Yeah.

• 1:32:40Caleb Hammer?

  I got your first month last month. I'm sorry there's less finances in this episode. I really do. Cause it's supposed to be his, but I don't give a [__] about him. First month last month and your security deposit. I got you.

• 1:32:50Speaker 04

  Like genuinely.

• 1:32:51Caleb Hammer?

  And your GED studies and your D GED test. I will pay for, okay?

• 1:32:55Speaker 04

  Realistically, you just want to hate on me for whatever reason that is.

• 1:32:58Caleb Hammer?

  So we'll do that there. I'll get you a course career certification.

• 1:33:01Speaker 04

  There's not even a reason to do that.

• 1:33:03Caleb Hammer?

  In your choice of the field you want. A lot of people out there have turned them into six figure incomes.

• 1:33:07Speaker 04

  How is she gonna get a place with no credit?

• 1:33:09Caleb Hammer?

  Time, which is $15 a month and um, I'll hook you up with everything, okay?

• 1:33:15Speaker 04

  How is she gonna be able to get a clue for a.

• 1:33:16Caleb Hammer?

  We'll do that in the financial audit post show. That is a part of the Hammer Elite membership where we have three high quality premium shows every single day, just like this one, every single day. Only a part of Hammer Elite, six days a week. You can subscribe right here on YouTube by clicking that join button or link below. Or you can go off platform at the Hammer Elite app or hammerelite.com. Check it out, guys. We'll see you there. She's gonna unfortunately learn a lot more. And hopefully she chooses to leave and this is gonna be a good one. See you then. Okay, let's call the woman.

• 1:33:44Speaker 04

  She texted me first.

• 1:33:45Speaker 05

  He DM'd me first.

• 1:33:47Speaker 04

  No, I did not. No, I did not. 100%.

• 1:33:50Speaker 05

  He sent it to me first and then he sent his nude first. When I asked him about you after that picture he posted, he just called you his nanny with benefits.

• 1:33:58Speaker 04

  No, I did not.

• 1:33:59Speaker 03

  Crazy.

• 1:33:59Speaker 04

  No, [__] I did not.

• 1:34:02Caleb Hammer?

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

• 1:34:42Caleb Hammer?

  food, and we'll have a great time hanging out. Go to calebhammer.com slash apply or click that link in the description below. Starting a business can seem like a daunting task unless you have a partner like Shopify. They have the tools you need to start and grow your business. From designing a website to marketing to selling and beyond, Shopify can help with everything you need. There's a reason millions of companies like Mattel, Heinz, and Allbirds continue to trust and use them. With Shopify on your side, turn your big business idea into. Sign up for your $1 per month trial at Shopify.com slash special offer.