She's Destroying Their Marriage | Financial Audit

*SHE'S FULLY THREATENING TO DIVORCE HIM* in the post-show. This relationship is sooo toxic and crazy; you need to see this. Watch the post-show here: https://hamr.link/ytjoin *OR* download the brand new Hammer Elite App ➡ https://hammerelite.com/#join (discounted annual) 💰 Download Dollarwise - Big Deals, New Features, Free Trial: https://go.dollarwise.com/join ============================= *Caleb Hammer Financial Resources* ============================= 👉 See if refinancing your high-interest debt saves money. Checking is free. → https://hamr.link/ytmoneylion2 👉 Find and compare much better AND cheaper car insurance for free → https://www.moneylion.com/network/hammer-media/auto-insurance/search 👉 Finally experience relief from your debt once and forall → https://www.moneylion.com/network/hammer-media/debt-relief/explore ============================= 🔥 MY NEW FLAVOR IS FINALLY LIVE!! Get Liquid Assets *NOW* for under 40 cents per serving!! Get 10% off your entire order with code CALEB - https://hamr.link/calebdrank 🔥 Get Your Own *Hammer Financial Score* → https://hamr.link/newquiz ============================= *Sponsors for This Video* ============================= You’re 30 seconds away from being debt free with PDS Debt. Get your free assessment and find the best option for you at https://PDSDebt.com/hammer If you or someone you know experienced serious mental health struggles as a result of social media use, you may be entitled to a potential recovery of over $1,000. Visit https://morganmorganpa.sjv.io/c/7273707/3841482/23429?sharedid=caleb-hammer to submit a claim now. ============================= *Education* ============================= 👉 Get access to EVERYTHING I offer all in one place: https://bit.ly/4sUm2pb ⚡Learn how to budget: https://bit.ly/4sspyGh ⚡Learn how to invest: https://bit.ly/41mr8OP ⚡Pay off your debt: https://calebhammer.com/master-your-debt ============================= *Extra Resources* ============================= 👉 Land a high-paying job with no experience or degree: ➡ https://coursecareers.com/CalebHammer 👉 Get FREE MONEY by investing with Public! https://secure.moneymatchup.com/public-caleb 👉 Find the best credit cards for you with my quiz! https://cards.calebhammer.com/yt 👉 Get $20 from Acorns for free: ➡ https://acorns.com/caleb 👉 Helium Mobile: Use promo code CALEB for a FREE plan ➡ https://hellohelium.com/ 👉 Protect your online privacy and security for free with Aura: ➡ https://aura.com/hammer ============================= *Chapters* ============================= 00:00 Intro 01:50 Jobs & Income 07:40 brother is bringing in good money and its still not good enough... 16:35 yeah i'd get a job that doesnt have me coming home every day too, shes exhausting LMAO 28:45 is she not coming off as a b*tch, chat? 37:05 okay shes being pretty valid, bro just needs to listen 45:55 thats a lot of women on his phone... 53:51 broke said shes too broke to go anywhere LMAAOO 55:16 688%???? 01:05:46 shes f*cking crazy looool 01:15:31 payday loan for world of warcraft lmaao 01:27:43 sending in statements isnt that hard btw :slightly_smiling_face: 01:29:16 bullsh*t bullsh*t bullsh*t ============================= Want more content? ============================= 🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips 🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel 🍿 Caleb Hammer Top Videos https://www.youtube.com/@CalebHammerTopVideos ============================= *Connect with me!* ============================= TikTok: https://www.tiktok.com/@calebhammercomposer X: https://x.com/sircalebhammer IG: https://www.instagram.com/calebhammercomposer/ Facebook: https://www.facebook.com/calebhammercomposer/ ============================= *Want to be a guest on Financial Audit?* ============================= 👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply *Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. Sponsorship and business inquiries: [email protected] Learn more about your ad choices. Visit megaphone.fm/adchoices

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

• 0:01Speaker 00

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• 0:26Speaker 01

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

• 0:55Caleb Hammer?

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

• 0:58Speaker 03

  We had a conversation. I got arrested over it.

• 1:01Caleb Hammer?

  She got you arrested?

• 1:02Speaker 03

  Yeah. Over having found my iPhone on.

• 1:05Caleb Hammer?

  And she immediately called the cops?

• 1:07Speaker 03

  Yeah.

• 1:07Caleb Hammer?

  Oh my.

• 1:09Speaker 04

  That's a lie. Once again, his communication is shit.

• 1:12Caleb Hammer?

  Okay, what are the issues then?

• 1:13Speaker 04

  He doesn't do anything that I ask him to do. I try and try and try. And that's the only way I get hurt is if I lose my mind.

• 1:21Caleb Hammer?

  Why are you with her?

• 1:22Speaker 03

  The dynamics is good.

• 1:24Speaker 04

  Is it?

• 1:24Caleb Hammer?

  You don't really seem to care, which is kind of crazy. Like, I don't know. Really, the only thing would be like an ultimatum, her leaving. But I don't think she cares enough to leave.

• 1:31Speaker 03

  I don't think she could afford to anyway, so.

• 1:34Caleb Hammer?

  What are you trying to say?

• 1:35Speaker 03

  It's been 11 years and you haven't figured it out now?

• 1:38Caleb Hammer?

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• 2:11Caleb 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.

• 2:32Speaker 04

  Hi, I'm Taylor. I'm 35.

• 2:35Speaker 03

  I'm Cam, 34. We're from Central Arkansas.

• 2:38Speaker 04

  And this is Financial Audit.

• 2:41Caleb Hammer?

  Yes, it is. Thanks for coming over. Taylor, what do you do for a living in that Central Arkansas?

• 2:47Speaker 04

  I work from home, processing workers' comp claims. And basically feel like a single mom living there because he's gone all the time on a boat.

• 2:58Speaker 03

  I work on a boat.

• 2:59Caleb Hammer?

  Oh, okay. Well, that would explain why you're on a boat.

• 3:01Speaker 03

  Yeah. Offshore, pretty much inland.

• 3:05Caleb Hammer?

  I'm not asking you any questions, but I'm glad you're excited to talk. I still need to know what you're making. Because you didn't let me answer that. You immediately started talking about him when I was just talking about you. Yes, and your job, the job that you work from home. You made sure to clarify that you work from home.

• 3:20Speaker 04

  I work part-time right now. I make like.

• 3:22Caleb Hammer?

  From home!

• 3:23Speaker 04

  Yes. $400 every two weeks. Because, you know, being at home is overwhelming.

• 3:28Caleb Hammer?

  Me. Is it?

• 3:30Speaker 04

  Yeah. No, maybe not just that, but everything else, yes, definitely feel really overwhelmed and all by myself.

• 3:41Speaker 04

  All the time.

• 3:46Speaker 05

  That was the right thing to do, Peter.

• 3:48Caleb Hammer?

  I think I would also abandon the house quite frequently if this is what it's like at home. Okay, how much part-time is part-time? Because that's very part-time to only get 800 bucks a month.

• 4:00Speaker 04

  20 hours a week. So $15 an hour. That's.

• 4:06Caleb Hammer?

  So something's really built up, hasn't it? Because you're really just kind of coming out of the gate with this. You didn't even let me ask what's going on. You're just like, oh, here's my chance to just be a.

• 4:19Caleb Hammer?

  Okay.

• 4:23Speaker 03

  Yeah, I work a month.

• 4:24Caleb Hammer?

  I'm gonna guess you work.

• 4:25Speaker 03

  12-hour days.

• 4:26Caleb Hammer?

  On a boat, right?

• 4:26Speaker 03

  18-hour days, yeah, on a boat.

• 4:28Caleb Hammer?

  Okay, Cam. Tell me about this boat. Go ahead and just say the stuff you just said again.

• 4:33Speaker 03

  So I work inland. We go like pretty much Texas to Louisiana, back and forth, moving.

• 4:40Caleb Hammer?

  Doing what?

• 4:41Speaker 03

  Moving like crude oil, pretty much.

• 4:44Caleb Hammer?

  Okay, what are you? What are you? What's your job?

• 4:46Speaker 03

  So I'm a tankman, load and discharge barges. And I just went to school to get my pilot license. So I'm working on getting my pilot license right now.

• 4:57Caleb Hammer?

  Really?

• 4:58Speaker 03

  Yeah. Be driving the boats instead of.

• 5:00Caleb Hammer?

  Oh, that kind of pilot. Right. I was gonna say, I would not appreciate if you walked on a plane that I was on and then piloted it.

• 5:10Speaker 03

  That's my credo, no regrets.

• 5:13Caleb Hammer?

  Okay, what do you make in this job?

• 5:16Speaker 03

  So I don't make hourly, I make day rate.

• 5:19Caleb Hammer?

  Okay.

• 5:19Speaker 03

  And my day rate is 385 right now.

• 5:24Caleb Hammer?

  Sure. So what does that come down to monthly? Your average month?

• 5:29Speaker 03

  So it's kind of, I work.

• 5:32Caleb Hammer?

  Your average quarter?

• 5:34Speaker 03

  Well, okay, so I work.

• 5:36Caleb Hammer?

  Average year?

• 5:37Speaker 03

  28 days on, 14 days off.

• 5:39Caleb Hammer?

  That's wonderful. What do you make?

• 5:40Speaker 03

  It changes every month.

• 5:42Caleb Hammer?

  Great, that's why I said, what, how much a year?

• 5:44Speaker 03

  A year? Roughly like 110,000.

• 5:48Caleb Hammer?

  Wow, we're complaining about that. That's interesting. You know, these people that go and they go work on the oil, it's out in West Texas. Are those that go work in the Gulf on the rig? Or those that are, you know, out there working in the fishing boats and doing things like he does? You know, they make a lot of money. And the reason is, is because, yeah, a lot of people don't want to be from home, but then they do it and then make a lot of money. And that's, that's what he's doing.

• 6:13Speaker 04

  Oh, I definitely appreciate the money, but being home and working 24-hour shifts with everything else that has to be taken care of.

• 6:20Caleb Hammer?

  The job, how do you think money comes? Stop smacking your lips. How do you think money comes?

• 6:24Speaker 04

  I mean, it has to come somewhere.

• 6:27Caleb Hammer?

  Do you have a drink of water?

• 6:28Speaker 04

  I do.

• 6:29Caleb Hammer?

  Let's consume a lot of that. She's even smacking it, just like smiling. That's crazy. Okay, great. I mean, you're killing it, dude. Is that what hits your account on a yearly basis, 110, or is that before taxes?

• 6:41Speaker 03

  That's before taxes are taken out.

• 6:43Caleb Hammer?

  What are we gonna think, like 75 maybe? Okay, so.

• 6:46Speaker 03

  Yeah, 75, 80.

• 6:47Caleb Hammer?

  So you're probably just averaging like 62,000, or, sorry, 6,250 bucks a month. Obviously, yes, up and down, I get it. So, okay, I need to, I really need to internalize this, maybe even like drop myself, because I'm a little.

• 7:03Caleb Hammer?

  Break down your time away from home and then time at home? Because clearly that is an issue to this thing.

• 7:10Speaker 03

  So I work 28 days on the boat.

• 7:12Caleb Hammer?

  Okay.

• 7:13Speaker 03

  14 days at home.

• 7:14Caleb Hammer?

  Love it.

• 7:15Speaker 03

  That's it. But I ride over, I ride over a lot. So like, I'll do, we call them hitches. I'll do usually like sometimes two hitches. So I'll be gone for like 28 days, my 14 days off and another 28 days.

• 7:28Caleb Hammer?

  You said stay-at-home mom. That sounds like children.

• 7:31Speaker 04

  I do have two children.

• 7:32Caleb Hammer?

  Very good. Ages?

• 7:34Speaker 04

  Well, one's almost.

• 7:35Caleb Hammer?

  Stop smacking your fucking lips. What is actually wrong with you? No, it's not. It's actually not. When I talk, I go before everything I say.

• 7:42Speaker 04

  I don't even notice that I'm doing it.

• 7:43Caleb Hammer?

  Well, you're doing it.

• 7:44Speaker 04

  Well, I will try. Oh my God, I did it again. One is almost 16, will be in November. The other one.

• 7:51Caleb Hammer?

  Did you make that one?

• 7:52Speaker 03

  No.

• 7:54Caleb Hammer?

  Oh. Well, that's not his fault for having this job.

• 7:57Speaker 04

  No. The second one is though, she will be 10 in a few months.

• 8:02Caleb Hammer?

  And you made that one?

• 8:03Speaker 03

  Yes.

• 8:03Caleb Hammer?

  At 24?

• 8:04Speaker 03

  25.

• 8:05Caleb Hammer?

  You're 34?

• 8:06Speaker 04

  Originally.

• 8:07Speaker 03

  I'll be, okay, so her birthday is in November, I mean, December.

• 8:10Caleb Hammer?

  Okay, that's fine. Was he doing this job when you had the 10-year-old?

• 8:15Speaker 04

  No.

• 8:16Caleb Hammer?

  What was he doing?

• 8:17Speaker 04

  Working at AT&T.

• 8:18Caleb Hammer?

  What job would you prefer he had?

• 8:23Speaker 04

  That's hard.

• 8:24Caleb Hammer?

  What job would you prefer he had?

• 8:31Caleb Hammer?

  What job perhaps would you prefer?

• 8:33Speaker 04

  I guess this one, unfortunately, because the month is better.

• 8:36Caleb Hammer?

  Are you, what are we doing? Bro literally goes and grinds his ass for 28 days. And then he has to hear you're bitching and moaning about how he's not there for the next 14 when he's home?

• 8:47Speaker 04

  Yeah, because he only has one job when he's gone, the boat. I have 37 other things I have to take care of by myself while he's gone, not talking to me half the time, doesn't have service.

• 8:58Caleb Hammer?

  The alternative is he can get a lower-paying job at home.

• 9:03Speaker 04

  Yeah, but he doesn't want to do that either.

• 9:05Caleb Hammer?

  Do you want him to do that?

• 9:07Speaker 04

  He ain't gonna listen to me.

• 9:08Caleb Hammer?

  Does it matter? Do you want that? Given the choice, do you want that?

• 9:15Speaker 04

  At this point, it would be really hard, but yeah, I mean, it would be nice to have some help at home.

• 9:19Caleb Hammer?

  With less money.

• 9:20Speaker 04

  Yeah, that would make it hard.

• 9:22Caleb Hammer?

  With less money?

• 9:23Speaker 04

  No, I don't need less money.

• 9:25Caleb Hammer?

  Okay, so you are okay with it then? This is what you are choosing?

• 9:31Speaker 04

  Not necessarily choosing, but don't really have any other choice in Arkansas.

• 9:36Caleb Hammer?

  No, no, no, no, no. Because you're an impossible person to work with. I already know people like you. It's you're impossible. You want him to make more money, but you want him to have the job where he doesn't make as much money. So she can do all these things.

• 9:47Speaker 03

  Because she thinks like I make in one day what she makes in two weeks, pretty much.

• 9:52Caleb Hammer?

  You're jealous? It's a jealousy thing?

• 9:55Speaker 04

  I just feel a little bit pointless.

• 9:57Caleb Hammer?

  It's a jealousy thing? Well, yeah.

• 10:00Caleb Hammer?

  I mean, you make a hundred dollars a month. Yes.

• 10:01Speaker 04

  Yeah.

• 10:01Speaker 03

  I mean, she was full time and then just went part time like recently.

• 10:05Caleb Hammer?

  Yeah, I was gonna say.

• 10:06Speaker 03

  And she's looking to go back full time.

• 10:07Caleb Hammer?

  Taking care of the infants at home. When she said stay at home mom, I thought she was like raising a couple of like two and three year olds.

• 10:13Speaker 03

  No.

• 10:13Caleb Hammer?

  No, you gotta, dude, they're basically a 10 year olds, basically.

• 10:16Speaker 03

  They, they take care of themselves.

• 10:18Caleb Hammer?

  They really do. They, and also they go to school the vast majority of the year.

• 10:23Speaker 04

  I mean, yeah, they have a lot of extracurricular activities. There's no programs. It's troll Arkansas. I mean, not that.

• 10:30Caleb Hammer?

  Send them to summer camp.

• 10:32Speaker 04

  Hmm, they're all Christian and I'm not really about that.

• 10:35Caleb Hammer?

  That's also just not true. You can go to any summer camp anywhere. You guys make good money. You could fly them to any summer camp you want to. They go get touched by a theater person and interlock him.

• 10:46Speaker 04

  Think they want to do that.

• 10:49Caleb Hammer?

  Is it their choice? Six year old, they don't really care. Six year old, like, yeah, at that point, yeah, dudes make that piece of shit. Go get a job.

• 10:57Speaker 04

  Yeah.

• 10:57Caleb Hammer?

  But like the 10 year old, yeah, send them to camp. I don't understand. What is the stay at home mom thing at this point? You're driving them to some activities here and there? Okay, great. That's wonderful. What? This is not a three year old. What are we talking about here?

• 11:12Speaker 04

  I mean, there's a lot that goes into being a parent.

• 11:14Caleb Hammer?

  No one says there isn't, but the way you're making it sound like they're newborns and he's just not there.

• 11:20Speaker 04

  No, just a lot of responsibility that's all on me that he's never there.

• 11:24Caleb Hammer?

  How much for the 16 year old, though?

• 11:26Speaker 04

  I mean, he has banned that he, we're talking about when school's in session, though.

• 11:31Caleb Hammer?

  I did ban to 16. I drove myself to ban.

• 11:34Speaker 04

  Well, he hasn't gotten to that point yet. He's not 16 until November, so it's been all on me.

• 11:38Caleb Hammer?

  Why'd you say 16?

• 11:39Speaker 04

  I said, "on teen"?

• 11:41Caleb Hammer?

  First of all, I drove at 15.

• 11:44Speaker 03

  Like, half the time he's at his dad's house, half the time he's at our house.

• 11:47Caleb Hammer?

  Choosing not to, then he doesn't get to do all the fun stuff. That is the part of growing up and learning how to become an adult in your late teens.

• 11:54Speaker 04

  I mean, he has his permit and he drives sometimes, but.

• 11:57Caleb Hammer?

  Then there you go. Then he, then why would you drive him? I'm confused why you're forced to drive him.

• 12:01Speaker 04

  Insurance is another factor. It's like $300 a month.

• 12:04Caleb Hammer?

  I don't really give a, you guys make really good money. You can do that.

• 12:07Speaker 04

  Well, this hasn't been factored in yet, apparently. So that hasn't been an important thing.

• 12:12Caleb Hammer?

  You're actually like a stupid person, so let me help you. May I have the whiteboard? I, I, I think I need to like do a little drawing for you.

• 12:19Speaker 04

  Okay.

• 12:20Caleb Hammer?

  I'm not trying to be mean, but actually I kind of am. Um.

• 12:28Caleb Hammer?

  Ooh, nice fresh pen.

• 12:34Caleb Hammer?

  So, uh, there are two options here. There's, uh,

• 12:42Caleb Hammer?

  your income stays here.

• 12:46Caleb Hammer?

  Where you don't pay any car insurance, or you pay a little bit in car insurance. And instead of driving him around, your income goes all the way up because you work like an adult.

• 12:55Speaker 04

  I mean.

• 12:56Caleb Hammer?

  Also, I'm really confused because I grew up with more siblings than the household that you're in right now. And both of my parents worked full time jobs and we did this 100% happily.

• 13:05Speaker 04

  Well, I do also go to college. There's that.

• 13:08Caleb Hammer?

  Well, that's different. You didn't tell me that. How the would I assume that? I don't know you. I don't know you. We're not friends. I don't know you.

• 13:14Speaker 04

  My bad. I guess I should have brought that up.

• 13:17Caleb Hammer?

  Yes, context, things for me to know would be good. So tell me about your college, because that is good. That is good. I can appreciate college.

• 13:23Speaker 04

  I'm going for a nutrition degree, but I'm doing it online with Purdue Global.

• 13:30Caleb Hammer?

  Why nutrition? I'm gonna make okay money at some point, but it's, it's a very competitive field.

• 13:35Speaker 04

  Right. Um, I've kind of gone the own my own business route. I've trained.

• 13:41Caleb Hammer?

  You suck. You're putting this all on him who's actually going to make like working a hard job, making real money. And you're honestly doing passion projects.

• 13:49Speaker 04

  Mm-hmm. Yeah, pretty much.

• 13:51Caleb Hammer?

  How the this is possibly his problem? I wouldn't be going so hard on you if not the first question I asked you immediately tried to throw him under the boat. This is insane.

• 13:59Speaker 04

  Well, I feel like it's more his fault that we're in this position.

• 14:02Caleb Hammer?

  How possible? Okay.

• 14:06Caleb Hammer?

  How? Please, your turn.

• 14:09Speaker 04

  Well, because when I'm at home taking care of everything, I'm not spending any money except for on food. And on basics, on things that my kids needs. He's over there on the boat, scrolling his phone on his free time, buying whatever the hell he wants. And doesn't tell me about it, spending thousands of dollars. And then I look at the account and we have like, I don't know, $150 left and three other bills that we have to pay for. Like, how is that my fault that he's just spending it and not telling me anything?

• 14:40Caleb Hammer?

  Cam?

• 14:42Speaker 03

  But it's not like big purchases all at once. I affirm a lot of stuff. So.

• 14:47Caleb Hammer?

  Why are you doing this?

• 14:49Speaker 04

  Because he's.

• 14:50Speaker 03

  Well, I don't like to see the big numbers come out the account, so I'd rather have like a bunch of little fragmented charges here and there.

• 14:57Caleb Hammer?

  Okay, so leave them. I don't know. What do you want? Sounds like he recognizes he's a piece of shit.

• 15:00Speaker 03

  I don't know. I feel like money, like it's not real. You know, I'll get paid again.

• 15:04Caleb Hammer?

  Well, I think food and college paid for and roof over the kids' houses, which are paid for by money, are very real.

• 15:13Speaker 03

  I feel like college, like I'm not gonna pay for my kids' college.

• 15:17Caleb Hammer?

  You don't have to if you don't want to, but food and roof, I would encourage.

• 15:19Speaker 03

  I mean, food, I get that, but like.

• 15:21Caleb Hammer?

  Well, that costs money. Utilities.

• 15:22Speaker 03

  But those are things that are always paid. Like, it's not like.

• 15:26Caleb Hammer?

  If you spend all your money on things you don't need.

• 15:29Speaker 04

  They're not.

• 15:30Caleb Hammer?

  So how do the conversations?

• 15:31Speaker 04

  We literally get paid and like a thousand dollars will come out in payments. And I'm just like, how am I supposed to pay the bills when you have this much coming out in payments? That I had no idea that was gonna come out. And then I'm trying to juggle everything by myself and you're just on the boat having a good old time.

• 15:50Caleb Hammer?

  Okay, so how do the conversations go in this house then? Because clearly there's a problem and you're both kind of recognizing it, but you have a big issue with it. And even though you recognize it, you don't really seem to give a shit. So tell me how this is talked about in this. How does it go?

• 16:06Speaker 04

  I talk a whole lot and he's like a wall that doesn't say anything.

• 16:11Speaker 03

  I mean, if I make the money and like, and I want something, I usually get it. Um, at the end of the day, like, that's how it's gonna be. I've always been that way. Um, I want.

• 16:20Caleb Hammer?

  Well, you're a father.

• 16:21Speaker 03

  Yeah, I mean, like, I didn't have a lot growing up, so like, I want the kids to have, you know, everything they want.

• 16:27Caleb Hammer?

  Is it all for the kids, though?

• 16:28Speaker 03

  Most of it, like probably 90% of it is for the kids.

• 16:32Speaker 04

  But they probably enjoy, you know, not having to worry about money every two weeks, too.

• 16:37Caleb Hammer?

  Do they know?

• 16:37Speaker 03

  No, they don't know.

• 16:39Speaker 04

  I mean, they know that I can't go do certain things that we usually like. Not necessarily no, no, but they know that I have to cut back when I do. I mean, I have to cut back a lot.

• 16:50Speaker 03

  They enjoy doing the things we do. I mean, we'll go out, you know, take little trips here and there and.

• 16:57Speaker 04

  We haven't taken a trip in a year because you've spent too much money.

• 16:59Speaker 03

  Went to Vegas.

• 17:01Speaker 04

  That was a year ago.

• 17:03Speaker 03

  Yeah, I mean, last September.

• 17:06Speaker 04

  A year ago.

• 17:07Caleb Hammer?

  Basically a year ago, buddy.

• 17:09Speaker 03

  Yeah, but then also worked from January to May straight, like five months.

• 17:14Caleb Hammer?

  I have no issue with your work.

• 17:16Speaker 03

  I'm not home, so like, how are we gonna take trips if I'm not home?

• 17:20Speaker 04

  Or without money.

• 17:21Caleb Hammer?

  Uh, okay. Well, where does it, again, okay, so you try to talk to him and then what happens?

• 17:26Speaker 04

  He, well, if he's on the boat, he's, oh, I don't have service. Oh.

• 17:30Caleb Hammer?

  He might not have service.

• 17:32Speaker 03

  I mean, I don't. I don't always have service.

• 17:34Speaker 04

  He can just check out.

• 17:35Caleb Hammer?

  Throws on the water, dude. And even when he does have service, he might have to work. It's a.

• 17:40Speaker 04

  He just checks out. He will like completely ignore the whole entire conversation that I try to have.

• 17:45Speaker 03

  I mean, sometimes.

• 17:46Speaker 04

  For days.

• 17:47Caleb Hammer?

  On the boat, I understand on the boat. It's different on the boat. I mean, at home.

• 17:51Speaker 04

  We try, but then he's always like, oh, I'm only home for two weeks. I don't want to deal with this shit when I'm home.

• 17:57Caleb Hammer?

  And that is just being an adult. You do have to grow the up. You might have to have the conversation then.

• 18:01Speaker 04

  You have to have it at some point.

• 18:02Speaker 03

  Same conversations over and over.

• 18:05Caleb Hammer?

  Well, why do you think that is?

• 18:06Speaker 03

  Have that conversation.

• 18:08Speaker 00

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• 18:33Speaker 03

  And I'm not gonna just keep going back to the same conversation.

• 18:36Caleb Hammer?

  Why do you think the same conversation keeps happening over and over?

• 18:40Speaker 03

  Because she doesn't wanna hear what I have to say.

• 18:42Caleb Hammer?

  Okay, okay, that's great. What do you have to say? Let's hear it now. Maybe, maybe she'll listen. Maybe she talks over you the whole time. I don't know. I'm not gonna let her talk. I am here as the third party. What do you have to say? What is your argument? What is the reality?

• 19:03Speaker 03

  So I'm gone a month. I come in for two weeks and I don't wanna have the same conversation about, you know, spending money or an argument that we had before I left out on the boat. It's like, I don't wanna, I don't wanna revisit. Yeah, I don't.

• 19:21Caleb Hammer?

  Well, hold on. That's not an argument of the argument itself. You're literally just arguing you don't wanna argue.

• 19:25Speaker 03

  I don't argue at all.

• 19:27Speaker 04

  I wonder why I feel so alone. Crazy.

• 19:32Speaker 03

  Yeah, I mean, like, I just don't wanna have confrontation.

• 19:36Speaker 04

  Yeah, but no adult conversations or help with any kind of decisions whatsoever, because it's always so convenient that every time I try to talk to him, he's, oh, doesn't have service, conveniently.

• 19:46Caleb Hammer?

  Okay, well, that might actually be fair. That one I'm okay, that one.

• 19:51Speaker 04

  For days?

• 19:52Caleb Hammer?

  Yeah, he's on the water!

• 19:54Speaker 04

  He texts about other things, but he won't answer me. I'll be like, what about that text I sent two days ago? Nothing. Zip.

• 20:00Caleb Hammer?

  Okay. Does she nag you 24 hours a day?

• 20:02Speaker 03

  No. I mean, sometimes I'll go like two days without talking to her.

• 20:06Caleb Hammer?

  You, you, you not talking to her. I'm saying her to you.

• 20:10Speaker 03

  Yeah, I mean, she'll text me all the time, but not like really nagging, like just talking about like, things going on at the house, this and that.

• 20:19Caleb Hammer?

  So why the fuck won't you talk to her? And like, I was gonna be on your side if she's nagging all the time, then yeah, avoid your wife. That's who no one wants. But if she's not nagging all the time, then yeah, deal with those as they pop up.

• 20:29Speaker 03

  Six hours on, six hours off. Six hours on, six hours off. So I work 5:30 to, let's say noon. When I'm off.

• 20:38Speaker 04

  Does you know that a text only takes about 30 seconds?

• 20:40Speaker 03

  She's on lunch. So like, she can't talk. She's doing her lunch shit. And then when I get back on work at 5:30 at night, I get off at midnight. Usually in bed, like.

• 20:51Caleb Hammer?

  I got you, buddy, but I'm saying.

• 20:54Speaker 04

  I'm never in bed and I tell you, you can text me, even if I'm in bed. So I don't, that's not an argument.

• 20:58Speaker 03

  Service is now two, three in the morning. I'm not gonna sit there waiting to get service to like, try to answer and have a full-blown conversation.

• 21:06Speaker 04

  Because it's just not worth it, obviously. You might be, you know, have an adult conversation that might make you feel some type of way, possibly. So might as well just not.

• 21:18Speaker 03

  I don't know. I'm just like, to the point where I'm like, I just, I'm gonna crash out at work and then like, everybody's gonna hate me. So like, I would rather just not deal with it, you know?

• 21:26Caleb Hammer?

  Well, is that, is that your only response? You can't talk to someone, you just crash out?

• 21:32Speaker 03

  Ish. But I mean, I don't wanna have the conversations. Like, I'm like, when she gets to that point and I'm pretty much like, what happens is we get into an argument and I'm like, I could just leave. Like, I'll go back to work then if like, we're gonna continue to argue about this or like, I'll just work longer.

• 21:51Caleb Hammer?

  An argument if you actually went and talked? Because it sounds like you avoid all talking. You'll talk about the things at the home. But again, I was gonna be on your side if she's literally nagging all day. Yeah, why would you ever approach it? That's not a safe place to talk. But the thing is, if here and there she's bringing up some things and the vast majority of the conversations are fine, then yes, it's your responsibility to participate in the household and threatening to leave is insane. Instead of talking? Brother, what are you on about? You're 34!

• 22:22Speaker 04

  Toddler.

• 22:25Speaker 03

  I mean.

• 22:25Caleb Hammer?

  Yeah.

• 22:27Speaker 03

  On the flip side, like, it would help, like, if maybe she worked full-time, you know, like, there was.

• 22:32Caleb Hammer?

  Financially, sure, but if you spend all your money, even if you make good money, it doesn't matter. Because you guys already make really good money.

• 22:38Speaker 04

  We'll have even less time to talk if I'm full-time, so that would probably make you happy.

• 22:43Caleb Hammer?

  Well, yeah, that's why he wants you to work full-time.

• 22:46Speaker 04

  Obviously.

• 22:47Caleb Hammer?

  Yes.

• 22:48Speaker 03

  For sure.

• 22:49Caleb Hammer?

  Okay. I mean, you're probably never gonna work full-time because your business is like, right? I mean, you don't have to go to college. It's sort of business. I don't, what the fuck are you talking about?

• 22:59Speaker 04

  Like you said, it's a passion project. I trained to be a doula, which I don't even know if you know what that is.

• 23:03Caleb Hammer?

  No, of course not.

• 23:05Speaker 03

  It's like doing like home births and stuff.

• 23:07Speaker 04

  Yeah. So I wanna work with like moms and.

• 23:10Caleb Hammer?

  Why are you doing nutrition then?

• 23:12Speaker 03

  Like charity work.

• 23:13Speaker 04

  For an extension of that, I want to prepare stuff for them after they have their babies or while they're super, super pregnant.

• 23:22Caleb Hammer?

  Babies 10 years ago and you're still fat?

• 23:25Speaker 04

  Yeah.

• 23:26Caleb Hammer?

  So how are you helping them?

• 23:28Speaker 04

  Well, I mean, I don't have to practice what I preach.

• 23:34Caleb Hammer?

  I mean, I do financially. That's why I do the finance show.

• 23:37Speaker 03

  Well, you don't cook at the house either, though, really.

• 23:40Caleb Hammer?

  Well, you're, you said you're, what the, you're a part-time worker who works at home and has to take, you just complained about having to take care of the household, but you don't cook?

• 23:50Speaker 04

  Sometimes, when I'm not tired.

• 23:53Caleb Hammer?

  Tired? You're tired because you're fat. I'm tired because I'm fat.

• 23:57Speaker 04

  Probably.

• 23:58Caleb Hammer?

  Yes, nutritionist, absolutely. Why, he's able to go work on a boat all the time because he's not fat.

• 24:03Speaker 04

  Yeah.

• 24:04Caleb Hammer?

  Sure, but that's not, I mean, that's, that's an endless loop. If you're not willing to be healthy because you're tired, it'll make you even more tired and blah, blah, blah, blah.

• 24:12Speaker 04

  The whole, the whole vicious cycle, yeah. I mean, I don't feel like doing it because I don't do it and then it just keeps repeating.

• 24:18Caleb Hammer?

  But how can you sit here and complain to me that you feel like a single mother and you're doing all this stuff at home all day if you literally won't do pretty much the most basic single mother thing? I'm gonna be real with you. Your debt is not the same as everyone else's. You've got your own unique mix of credit cards, maybe some medical bills, personal loans and collections. Whatever. Your interest rates are different. Your payments are different. Your life is different. So why do you need some one-size-fits-all solution that treats you like a number? Some generic calculator that spits out, just pay more? As if you hadn't thought of that already. That's what sets PDS apart. They don't just look at your balance and say, good luck. They work to understand your specific scenario and help provide alternative solutions to becoming debt-free. Whether you're struggling with credit cards, personal loans, collections or medical bills, PDS Debt has customized options designed specifically for you.

• 25:03Caleb Hammer?

  Not your neighbor, not some average case study, you. They've helped hundreds of thousands of people get out of debt. And here's the thing, there's no minimum credit score required. They're not here to judge you. They're not here to shame you. They're here to help you get out and help you save more. Pay off your debt faster and start putting money back in your pocket. This is a company that is A-plus rated by the Better Business Bureau, boasts thousands of five-star reviews on Google and holds a five-star rating on TrustPilot. That legitimately matters. Here's the thing, if I needed help paying off debt, this is exactly where I'd go for help. You're just 30 seconds away from being debt-free with PDS Debt. Get your free assessment and find the best option for you right now at pdsdebt.com/hammer. That is pdsdebt.com/hammer, pdsdebt.com/hammer.

• 25:43Caleb Hammer?

  You suck with money, so you download a budgeting app. You start with the classic one, YNAB, but everyone just deletes it because it's way too complicated to use. 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. Built by these people just like you, for people just like you.

• 26:24Caleb Hammer?

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• 26:32Speaker 04

  Well, I guess because I'm a sad panda, because my husband's gone all the time. I don't wanna do anything. I don't want to keep doing everything myself. So then, yeah, I kind of just get so burnt out that I just shut down and don't do anything at all.

• 26:47Caleb Hammer?

  Cop excuse bullshit.

• 26:49Speaker 03

  We buy all these groceries and stuff and then they just go bad in the fridge. Like, and then they wanna go eat out, you know?

• 26:57Caleb Hammer?

  How long have you been doing this job?

• 26:58Speaker 03

  This job here, um, two and a half years.

• 27:03Caleb Hammer?

  How's the relationship changed since you started this job?

• 27:07Speaker 03

  So I used to work on the road and then I stopped doing all that because she wanted me home. And then we moved back to Arkansas and I was making shit money. So the whole dynamics of the relationship were horrible.

• 27:22Caleb Hammer?

  Were?

• 27:23Speaker 03

  Yeah.

• 27:23Caleb Hammer?

  You guys seen what this conversation has been like so far? Continue.

• 27:27Speaker 03

  And so there was just, there's no money, like can't afford anything. I mean, we were staying in a town with a population of 500 with her mom. And I was working a shit job. So like this is the only out was to go work on the road.

• 27:42Caleb Hammer?

  How this job has affected your relationship?

• 27:45Speaker 03

  I mean, I would think it's helped a lot.

• 27:48Caleb Hammer?

  Ri-

• 27:48Speaker 03

  I mean, as far as that goes.

• 27:51Speaker 04

  I don't think that we've been good for a long time, obviously, because you know, when we didn't have money, we fought about not having money. Now we fight about having money and spending it all. So it's just, you know, whatever situation we've been.

• 28:03Caleb Hammer?

  How has this job affected your relationship? Taylor, you try.

• 28:08Speaker 04

  I-

• 28:09Caleb Hammer?

  He clearly can't comprehend the question. Oh, no, he thinks it's better.

• 28:12Speaker 04

  It has greatly affected our relationship.

• 28:14Speaker 03

  I mean, there's less arguments.

• 28:16Speaker 04

  He thinks it's better because he doesn't ever talk to me. It's worse because he's never there. We are never on the same page. We never talk about anything. I have to deal with my shit. He has to deal with his. And that's just how it is because he won't meet me in the middle ever about anything.

• 28:29Caleb Hammer?

  Why? Why no compromise? You have to compromise in life. I compromise every fucking day.

• 28:34Speaker 03

  What's there to compromise about?

• 28:36Caleb Hammer?

  I don't know. What? Okay. What are the issues then?

• 28:38Speaker 04

  The fact that he won't talk to me, the fact that he keeps spending all the money and won't tell me about it. It's, it's wrecked us. I don't know how he's saying that it's better. Like we never talk about, probably because he doesn't hear me nagging him all the time. That's probably why he thinks it's better. He's not here all the time to hear me. No, it's not better.

• 28:56Caleb Hammer?

  Well, halfway would be spending at least a bit less and trying to communicate in some way whatsoever.

• 29:03Caleb Hammer?

  That would be the halfway. But you're not even willing to do the basic things?

• 29:08Speaker 03

  I mean, I communicate. I just don't, it always leads to like-

• 29:11Caleb Hammer?

  What? If you-

• 29:11Speaker 03

  A fucking argument about some shit. Like I'm not-

• 29:15Speaker 04

  That's, that's a conversation. Like an adult conversation has feelings sometimes that like might not feel very comfortable for you. But you still have to do them. That's part of a family, Cam.

• 29:30Caleb Hammer?

  So how does the, how does the argument go? What usually triggers it to turn into an argument? Maybe we can navigate this. Maybe we can make it so it doesn't go into a full blown heated explosion.

• 29:42Speaker 03

  I, I don't have an argument.

• 29:43Speaker 04

  He never talks. I try to start it.

• 29:46Speaker 03

  I'll just leave.

• 29:46Speaker 04

  He gets mad, I'm nagging.

• 29:47Caleb Hammer?

  Okay. You're trying to start what? What was the last topic? What was the last topic?

• 29:52Speaker 04

  All of the spending that comes out.

• 29:53Caleb Hammer?

  So you tried to start. Tell me what you did.

• 29:54Speaker 04

  I said that I was upset, can't have all of the bills paid because like most of the payments that he has that like the payment plans, they come out as soon as he gets paid. Like we have no access to that money before those payments come out. So I'll look on the day he gets paid and there's like 10, 15 different payments coming out.

• 30:14Caleb Hammer?

  I asked you how you approach the conversation.

• 30:17Speaker 04

  I approach it by trying to tell him all of that. He doesn't agree.

• 30:22Caleb Hammer?

  But how? How? What was the situation? Did you set him the fuck down or what?

• 30:26Speaker 04

  No, he's always gone. I try to text him.

• 30:29Caleb Hammer?

  So you're trying to text him?

• 30:30Speaker 04

  I send him all the screenshots. Yes.

• 30:31Caleb Hammer?

  And what did you say?

• 30:33Speaker 04

  I said, what the fuck is all of this?

• 30:35Caleb Hammer?

  Well, if you're opening a conversation with what the fuck is all this? No shit. That's not going to result in something positive. You-

• 30:42Speaker 04

  Maybe he should tell me first and it wouldn't start like that.

• 30:45Caleb Hammer?

  I'm sorry. Okay. Well, you're a dumb then. If you're starting the conversation with what the fuck is this? No shit. That doesn't result in anything.

• 30:53Speaker 04

  How else am I supposed to start it when I don't have any money for anyone else?

• 30:56Caleb Hammer?

  Leave out the word.

• 30:58Speaker 04

  Hmm.

• 30:59Caleb Hammer?

  It's very confrontational immediately.

• 31:02Speaker 04

  That's my favorite word though. It shows how upset I am. I mean, obviously I have a reason to be upset.

• 31:07Caleb Hammer?

  Are we now confused anymore? Why he doesn't respond? I'm not.

• 31:11Speaker 04

  No, because it's not always that. It's just, well, honestly on payday.

• 31:15Caleb Hammer?

  Last time it was. So then what happened after you're like, what the fuck is this?

• 31:18Speaker 04

  Well, I think you know, he didn't show up. He wasn't there.

• 31:21Caleb Hammer?

  No shit. No shit.

• 31:24Speaker 04

  Yeah. Well, I mean, he's checked out all of the time emotionally. Like he's just not there.

• 31:28Caleb Hammer?

  No shit. If you're starting every conversation with-

• 31:32Speaker 04

  Not every conversation, but every conversation on payday for sure.

• 31:36Caleb Hammer?

  Starting every conversation like that?

• 31:38Speaker 03

  They're good for majority. Yeah.

• 31:40Caleb Hammer?

  No shit. You checked out. That's not how you start a conversation. That's not a healthy conversation. That's not any kind of communication. You say he doesn't communicate neither do you.

• 31:47Speaker 04

  Well, we've gotten to this point because of him. So I don't know how to do it.

• 31:51Caleb Hammer?

  Okay. You're an equal part of it. If you've been trying to correct it, but you can't communicate properly, then you're also a part of the issue. And tell me you don't spend any money. Shut the fuck up. That's just never the case. What are we talking about here?

• 32:02Speaker 04

  I mean, I don't-

• 32:03Caleb Hammer?

  Maybe he is the worst spender.

• 32:05Speaker 04

  I'm pretty basic. Don't wear makeup. Don't get my nails done. I don't get my hair done.

• 32:09Caleb Hammer?

  We can tell.

• 32:10Speaker 04

  Really can't afford it, but you know, I just sit at home waiting, not waiting, but hoping that maybe I can spend some money on me, but I feel too guilty to, because he's already spent all of the free money that we have and I have to use the money that we have on bills. So it's not like I can.

• 32:26Caleb Hammer?

  Cam, why are you with her? You guys can't even fucking talk. Why are you with her?

• 32:29Speaker 03

  I am not. I don't have emotional conversations with anybody.

• 32:33Caleb Hammer?

  You guys aren't looks matched?

• 32:35Speaker 03

  I mean, that's just me.

• 32:37Caleb Hammer?

  A bit of a freak. Don't get me wrong, but like, I mean, there's attractive women out there that like freaks.

• 32:46Speaker 03

  Well, I mean, I have a kid, so that's, I mean, that's a big thing.

• 32:52Caleb Hammer?

  That'll do it. But you don't look like the person that stays around for their kid.

• 32:55Speaker 04

  He doesn't.

• 32:57Speaker 03

  I mean, my only option is what? To work more? Like?

• 33:01Caleb Hammer?

  Like, why are you with her? Is it just the kid? Cause you can't fucking talk to her, man? If you can't talk to your woman, why are you with your woman?

• 33:11Speaker 04

  He can't talk to anybody. Like it's not going to be any different when anybody else.

• 33:14Caleb Hammer?

  Oh, is that true? So you can't have any kind of conversation with anyone?

• 33:17Speaker 04

  No.

• 33:18Speaker 03

  No.

• 33:19Caleb Hammer?

  Oh, then you're a loser.

• 33:22Speaker 03

  Yeah, probably. But I'm not, I just, I don't like emotional conversations. When I was a kid, I was forced to go to therapy and all this and shit. And I'm like, I'm not-

• 33:29Caleb Hammer?

  Forced yourself to go to therapy as an adult. You clearly need it, dude.

• 33:32Speaker 03

  Not doing that.

• 33:34Caleb Hammer?

  You're not willing to try to get help, not willing to try to become a better person, not willing to try to improve your life in any way whatsoever, even for the sake of your kid?

• 33:41Speaker 03

  I mean, I have conversations with the kids. Like that's not about money.

• 33:45Caleb Hammer?

  They're not learning any kind of emotional, healthy habits from you. Look at how y'all's relationship is. It's-

• 33:54Speaker 04

  Yeah.

• 33:55Caleb Hammer?

  How does it look in the household when you're back?

• 33:57Speaker 03

  Good. I mean-

• 33:58Caleb Hammer?

  Yeah?

• 33:59Speaker 03

  Yeah.

• 33:59Caleb Hammer?

  Is it?

• 34:01Speaker 04

  I mean, I do my best by myself, but I mean-

• 34:04Caleb Hammer?

  What? I said, how does it look in the household when he's back?

• 34:06Speaker 04

  Like look physically?

• 34:08Caleb Hammer?

  Oh my- Y'all's relationship.

• 34:11Speaker 04

  I mean, as long as I don't try to nag him about anything or any spending, then it's okay.

• 34:16Caleb Hammer?

  So as long as you avoid the issue that is damaging the house.

• 34:19Speaker 04

  Yeah, a generic relationship, then it's okay.

• 34:22Caleb Hammer?

  Is the opposite in every way of healthy.

• 34:26Speaker 03

  I mean, the only arguments we have is about money.

• 34:28Caleb Hammer?

  Yes. And it's the one thing that obviously is causing a massive issue, but you're not willing to talk about it. And you come in way too heated.

• 34:35Speaker 04

  Probably.

• 34:36Caleb Hammer?

  No, you do.

• 34:37Speaker 04

  For obvious reasons.

• 34:38Caleb Hammer?

  Not for obvious reasons. No, you can still be upset about something and not come in heated.

• 34:42Speaker 04

  I started that way, but after, you know, two years of him working here.

• 34:46Caleb Hammer?

  Two years?

• 34:46Speaker 04

  I mean, yeah.

• 34:47Speaker 03

  We've been together for 11 years.

• 34:50Speaker 04

  Yeah.

• 34:50Speaker 03

  And, and it's always been that way.

• 34:53Caleb Hammer?

  Why are you with her? I'm still confused on that.

• 34:55Speaker 04

  Cause he's just as bad as I am. He spends all the money, even if we don't have it. And then I'm over here nagging him about it.

• 35:02Caleb Hammer?

  But you don't contribute anything financially to the house. So like you can just take this money and go. Why, why are you with her?

• 35:07Speaker 04

  I mean, I literally have to be that way.

• 35:10Caleb Hammer?

  Why are you with her?

• 35:11Speaker 03

  I mean, I mean, as far as like being a a cool person, I don't know. Like the dynamics is good.

• 35:22Speaker 04

  Is it?

• 35:23Caleb Hammer?

  No, it's not. It's when you avoid the things, the dynamics is good.

• 35:26Speaker 04

  Yeah.

• 35:27Speaker 03

  Well, I guess it doesn't matter who I'm with.

• 35:29Speaker 04

  When I pretend like everything's hunky dory, it's good for you.

• 35:33Caleb Hammer?

  You're into her.

• 35:34Speaker 03

  Well, yeah.

• 35:36Caleb Hammer?

  Okay.

• 35:36Speaker 03

  Like-

• 35:37Caleb Hammer?

  Good.

• 35:37Speaker 03

  I mean-

• 35:38Caleb Hammer?

  You love her?

• 35:38Speaker 03

  Yeah.

• 35:39Caleb Hammer?

  Good.

• 35:40Speaker 03

  I mean, I don't know how to like show affection or emotion. I didn't, I never grew up with having that. I grew, didn't have a father growing up. I was raised by my mom. She was never-

• 35:49Caleb Hammer?

  You don't know how to hold someone's hand?

• 35:50Speaker 03

  I raised myself.

• 35:51Caleb Hammer?

  Get flowers? What? Go to therapy.

• 35:53Speaker 04

  Really, really.

• 35:55Caleb Hammer?

  So he doesn't show affection at all to you?

• 35:57Speaker 04

  I mean, he does, but usually I'm initiating it. I'm the one always, I mean, yeah, sure. Probably am naggy. He doesn't do anything that I ask him to do. I try and try and try. And that's the only way I get heard is if I lose my mind.

• 36:12Caleb Hammer?

  What the fuck are you on about? I asked if he shows you affection.

• 36:15Speaker 04

  When I initiate it.

• 36:18Caleb Hammer?

  Okay.

• 36:19Speaker 03

  Like she'll, she'll feel some type of way about something and then she'll cry about it. And then tell me a million ways that I could go about fixing the situation.

• 36:30Caleb Hammer?

  Buddy, you got the jackpot.

• 36:33Speaker 03

  And I'm like-

• 36:36Speaker 00

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

• 37:01Speaker 04

  He's a guidebook.

• 37:02Caleb Hammer?

  I don't want to say here. Pause, pause, pause, pause. I want to tell you what literally every woman in the history of every relationship has done. They will cry about an issue, but they won't give you any ability to solve it. She's giving you a rulebook and you're not doing it?

• 37:17Speaker 04

  Novel.

• 37:17Caleb Hammer?

  They always cry about emotions and it's never factual in the real world. That's what women do. That's what they do in relationships. Welcome to estrogen or something. I don't know. She's giving you the list? What? Every man would kill for that.

• 37:32Speaker 03

  I don't want to hear all that.

• 37:33Speaker 04

  Not him, apparently.

• 37:35Caleb Hammer?

  You're just a loser then dude. I don't know. I don't know what to do for you. If she's giving you the fucking checklist of everything you could just do, like you don't have to necessarily agree with everything, but the checklist?

• 37:47Speaker 04

  I just, no, he's too good for that.

• 37:50Speaker 03

  I, I don't feel like it's that bad. It's-

• 37:53Caleb Hammer?

  What's not that bad?

• 37:54Speaker 03

  Truly not.

• 37:54Caleb Hammer?

  Like the argument is there, it's oversteer.

• 37:56Speaker 04

  It's not bad for you.

• 37:58Caleb Hammer?

  Yeah, because she doesn't talk, because she doesn't talk. Do you not understand that? It's not bad to you because she doesn't bring anything up anymore, especially while you're home. To try to make the time you're home pleasant, but you're not addressing any issue that has been building for years.

• 38:12Speaker 04

  Years.

• 38:15Caleb Hammer?

  That's the

• 38:16Speaker 03

  Yeah.

• 38:17Caleb Hammer?

  How frequently when you're home?

• 38:19Speaker 03

  Um, maybe like four or five times depending.

• 38:24Caleb Hammer?

  So a few times a week?

• 38:26Speaker 03

  Yeah.

• 38:26Caleb Hammer?

  Okay. So I mean, I mean, the affection part on like the intimacy part's fine. That's good. What's the affection part that he's not delivering?

• 38:34Speaker 04

  I'm really just talking about intimacy, like cuddling with me.

• 38:38Caleb Hammer?

  Okay.

• 38:38Speaker 04

  Having emotional conversations. I, I, which I do talk a lot. I

• 38:44Caleb Hammer?

  Is that, are those the two things you need?

• 38:46Speaker 04

  Yes.

• 38:47Caleb Hammer?

  That's it?

• 38:47Speaker 04

  Yes.

• 38:48Caleb Hammer?

  So, okay.

• 38:49Speaker 04

  Like an actual real adult conversation?

• 38:51Speaker 03

  Just like over talker, over share. And it's just like, we have a discussion. It leads to a million other discussions. And I'm like, I don't want to hear all that.

• 38:59Speaker 04

  But as you can imagine, I'm afraid of being misunderstood because he never listens to me anyway. So yeah, I find every single way to try to explain myself.

• 39:06Caleb Hammer?

  What do you mean he never listens to you?

• 39:08Speaker 04

  Well, he either checks out when he's on the boat or he, yeah, I mean, he doesn't.

• 39:13Caleb Hammer?

  The boat thing, I'm not like freaking out about, but

• 39:15Speaker 04

  I'm just saying.

• 39:16Caleb Hammer?

  In person, he doesn't listen?

• 39:18Speaker 04

  No.

• 39:18Caleb Hammer?

  What is, what do you mean by that in person?

• 39:21Speaker 04

  And not say a word. He will let me talk to him for an hour, trying to give every, every checklist of things that needs to be taken care of. And he will not say a word. He will sit there and not say a word.

• 39:34Speaker 03

  Would you want to get talked to for an hour straight and then be expected to kiss and hold somebody?

• 39:40Caleb Hammer?

  Oh, no, I wouldn't say you guys have to like diddle afterwards, but like, maybe we wouldn't go an hour straight if you contributed a little bit in it. And like, just said a couple of times, yeah, you're right. I'm sorry. Even if you're not, because that's again, what we have to do is man.

• 39:54Speaker 04

  Groundbreaking.

• 39:56Caleb Hammer?

  What do you think about what she just said, Cam? Cause yeah, I mean, you're a struggle in this conversation too.

• 40:01Speaker 03

  You don't have issues when it comes to anything emotional, but it's just

• 40:06Caleb Hammer?

  Emotional. She's sitting there talking.

• 40:07Speaker 03

  That's not who I am. I've never been that way.

• 40:09Caleb Hammer?

  I don't need you to be

• 40:10Speaker 03

  It's been 11 years and you haven't figured it out now?

• 40:14Speaker 04

  He was a little bit more that way, but he's a little bit less now.

• 40:19Speaker 04

  A lot less.

• 40:20Caleb Hammer?

  It's gotten worse.

• 40:21Speaker 04

  I think so.

• 40:22Caleb Hammer?

  Why do you think it's gotten worse, Cam?

• 40:23Speaker 03

  Uh, I don't know. I've been, I've gone more. Um, and then I come home and it's

• 40:31Speaker 04

  When he's home.

• 40:32Caleb Hammer?

  That's not unfair, but you still have to step up and just be an adult, a partner, a father.

• 40:38Speaker 04

  At least every other trip home.

• 40:40Speaker 03

  Like, I'm a practical person. Like I, I hate, I hate having like theoretical conversations or like, we could do this or change this and like,

• 40:49Caleb Hammer?

  What? Brainstorming and trying to figure out how to better our lives? That's not a bad thing.

• 40:52Speaker 03

  Yeah, but if it's, if it's practical, if it's obtainable.

• 40:56Speaker 04

  Everything is practical when it's for your family.

• 40:59Speaker 03

  Oh, no, it's not.

• 41:02Speaker 04

  Conversations are mandatory.

• 41:04Caleb Hammer?

  Yes, I, I'll go with you there.

• 41:08Caleb Hammer?

  Not, not everything is practical if it has to do with your family. Uh, but again, okay, theoretical. So, okay. What did she rant at you for an hour last time? She thinks you don't listen. Let's figure out if you do. What, what was the last rant she was giving to you? Shut the fuck up. What was the last rant?

• 41:23Speaker 03

  She wanted me to hold her.

• 41:27Speaker 03

  That was it.

• 41:28Caleb Hammer?

  An hour of, I want you to hold me?

• 41:30Speaker 03

  Yeah. And crying and telling me that.

• 41:33Caleb Hammer?

  Okay. What did he miss?

• 41:34Speaker 04

  What did he miss? Um,

• 41:36Caleb Hammer?

  If anything, or did he actually, was that it? Was it an hour of, I need you to hold me. I need you to hold me. I need you to hold me.

• 41:43Speaker 04

  I had, I had migraines. I've asked him at least three times to help me out, rub my neck. So maybe I could feel a little bit better. Didn't want to do that. Ignoring me. I'm like, well, can you at least just?

• 41:55Caleb Hammer?

  She has a migraine? That's crazy. What the fuck's wrong with you?

• 41:57Speaker 04

  He doesn't want to take care of me.

• 41:58Speaker 03

  She has a migraines every other day.

• 41:59Speaker 04

  He's like grossed out by me because I might throw up every once in a while. He doesn't want anything to do with me. And all I want him to do is just lay there for a little bit, maybe rub my neck and then you can do whatever the hell you want. I just want to be taken care of every once in a while, especially when I feel bad.

• 42:14Speaker 03

  She has migraines every day, every other day. Anytime we go anywhere, we're in a car for more than a couple of hours. We have migraines.

• 42:22Speaker 04

  Like, that's my fault though.

• 42:24Caleb Hammer?

  Are you medicating?

• 42:26Speaker 04

  Yeah.

• 42:27Speaker 03

  Not regularly, like it's when needed, but like yesterday, you didn't bring the stuff you need.

• 42:35Speaker 04

  I had Excedrin though.

• 42:37Speaker 03

  That doesn't

• 42:37Caleb Hammer?

  That's it?

• 42:38Speaker 04

  Yeah, I forgot my stuff from the trip.

• 42:41Caleb Hammer?

  You gotta be there for her when she's feeling sick. And I understand, maybe it feels like a shit ton. Maybe you need to go to the doctor and see if there's something you can take daily.

• 42:48Speaker 04

  Well, if I could afford to go to the doctor, I would, but all the money is gone by the side. I should be able to. But I can't spend money on myself ever, or you know, the kids might go without food.

• 43:00Caleb Hammer?

  What'd you spend last month?

• 43:01Speaker 03

  I don't know.

• 43:02Speaker 04

  He has no idea.

• 43:02Caleb Hammer?

  You don't look at the money at all?

• 43:04Speaker 03

  The balance.

• 43:07Speaker 04

  He has no idea.

• 43:08Caleb Hammer?

  The balance of what?

• 43:09Speaker 03

  The accounts.

• 43:10Caleb Hammer?

  What account?

• 43:12Speaker 04

  The bank account.

• 43:12Speaker 03

  Any of them.

• 43:13Speaker 04

  If there's money left, he's just gonna spend it.

• 43:15Caleb Hammer?

  What was spent last month?

• 43:17Speaker 04

  I honestly don't know either because he keeps payment plans.

• 43:19Caleb Hammer?

  Then how can you be angry? Oh, but yeah, but you should be able to track that.

• 43:23Speaker 04

  I don't ever know what's going to be coming out and what's not. From month to month, he might pay one off. He might get three more payments on like a firm or whatever the hell.

• 43:31Caleb Hammer?

  It was eight thousand. Which with you guys combined, I mean, his payroll, it was a higher month. So it technically made it, but

• 43:41Caleb Hammer?

  definitely nothing left to show extra.

• 43:43Speaker 04

  Ever.

• 43:44Caleb Hammer?

  So do you see where you missed it though? You said, all that was said is that you want, she wants you to hold her. But clearly there was more involved with the migraine, wanting to feel a little better about that. And you won't even step up and what does he do at home then? Then the 14 days he's there, what is local, what does he do?

• 44:02Speaker 04

  Clash of Clans.

• 44:03Caleb Hammer?

  Out of everything?

• 44:04Speaker 04

  I mean, that's mainly what he does.

• 44:07Speaker 03

  Like I'll do little chores and stuff around the house, but I mean, what's there really to do?

• 44:12Speaker 04

  Your own laundry.

• 44:13Speaker 03

  Like

• 44:14Caleb Hammer?

  A better game?

• 44:14Speaker 03

  Our house is, I, I play World of Warcraft.

• 44:17Caleb Hammer?

  Okay, okay. Oh, he's doing something more productive.

• 44:19Speaker 03

  But then I'm only, I only play that like twice when I'm home because you know, like the kids want to do stuff like

• 44:26Speaker 04

  Consumed with your phone games.

• 44:28Speaker 03

  Like

• 44:29Speaker 04

  24/7.

• 44:29Speaker 03

  I try to do things. I mean, we play Xbox games and stuff.

• 44:32Caleb Hammer?

  Together?

• 44:33Speaker 03

  With the kids.

• 44:34Caleb Hammer?

  When you're not petting her, like she's requesting. Weird way to say.

• 44:41Caleb Hammer?

  What are you doing? What's he doing?

• 44:42Speaker 04

  On his phone.

• 44:43Caleb Hammer?

  What do, what are you doing on your phone?

• 44:46Caleb Hammer?

  Give me your phone.

• 44:49Caleb Hammer?

  Why do you look like this, by the way? Open it. What are you, what are you stupid? Are you stupid little, what, what, no, what, what am I going to do with a locked phone? Piece of shit. Yeah. Clash of Clans is literally the only thing on the main screen.

• 45:04Speaker 03

  You gotta swipe the other direction.

• 45:05Caleb Hammer?

  I know. I said the home screen.

• 45:08Speaker 03

  No, that's not the home screen. I don't know why it was swiped to that page.

• 45:12Caleb Hammer?

  Probably because you're playing Clash of Clans. What are you, um, you know, why do you look like that?

• 45:17Speaker 03

  Like what? I don't understand what you're getting at. Like

• 45:21Caleb Hammer?

  Your teeth and shit.

• 45:23Speaker 03

  The teeth? I had horrible teeth, so I wanted to fix them. And I was like, if I'm going to spend this much money, I'm going to let everybody know. Like I live in Arkansas. Everybody has fucked up teeth and a bunch of meth heads running around. So I don't

• 45:38Caleb Hammer?

  But you could have fixed that.

• 45:41Speaker 03

  It was about the same price.

• 45:43Caleb Hammer?

  So why look like that?

• 45:45Speaker 03

  Cause then it's like, hey, I don't have fucked up teeth. Look at me.

• 45:50Caleb Hammer?

  I mean, you kind of do.

• 45:52Speaker 03

  Not really.

• 45:53Speaker 04

  It's a matter of opinion.

• 45:54Caleb Hammer?

  Do you like them?

• 45:55Speaker 04

  I mean, I didn't at first. I've kind of gotten used to them.

• 46:00Caleb Hammer?

  Well, used to is different. Okay. So let's see, last week, well, you're, what's the, are you doing on Facebook for 15 hours?

• 46:08Speaker 03

  Of reels? And then I'm like, whatever. I'm like, I don't have service. It'll be open, but there'll be like nothing loaded. So like, I just might have my phone sitting there. I fall asleep and it's just the, has the app open? Cause I don't have it set to auto lock.

• 46:23Speaker 04

  Miraculously, he has service for Facebook.

• 46:25Speaker 03

  No, just because the app's open doesn't mean there's anything popping up on it.

• 46:29Speaker 04

  But 15 hours.

• 46:31Speaker 03

  Yeah. I put my phone down. I fell asleep and the app was left open.

• 46:35Speaker 04

  But you only sleep for like four to five hours.

• 46:37Caleb Hammer?

  Okay, guys. Clash of Critters.

• 46:40Speaker 03

  Oh, that's a new game I started.

• 46:42Caleb Hammer?

  Yeah. You played that like crazy last week. Lot of YouTube, maps, Apple maps.

• 46:47Speaker 04

  Fun to get.

• 46:47Speaker 03

  I leave that open 24/7 if I'm in a car.

• 46:50Caleb Hammer?

  Okay. We have Safari Messenger and then Clash of Clans, phone, message, uh, X. Um, I mean, yeah, I mean, it's a lot of time for sure. It's an average of nine hours, 53 minutes a day. So I mean, that's, that's a lot of phone use. Don't get me wrong. And it looks pretty much similar week over week. I mean, you were pretty heavy on Reddit a couple of weeks ago. You must've really been on the phone. That was an average of almost 13 hours a day. Jeez. And Snapchat, who are you snapping?

• 47:19Speaker 03

  One person.

• 47:20Caleb Hammer?

  Who?

• 47:20Speaker 03

  My buddy, uh, he's like in a weird relationship right now. So we've been talking back and forth.

• 47:28Caleb Hammer?

  Who's Christina?

• 47:29Speaker 03

  Uh, the girl I used to go to school with. Well, she's, was homeschooled, but

• 47:35Caleb Hammer?

  Why are you snapping her?

• 47:37Speaker 03

  It was like one message.

• 47:39Speaker 04

  Convenient that it's Snapchat though.

• 47:41Caleb Hammer?

  Why are you messaging her? Yeah. You guys saved one snap in there, but why are you talking to her?

• 47:47Speaker 03

  I like check in with people every now and then, like one message, like I probably only talked to her like twice in a year.

• 47:54Speaker 04

  I'm so glad you check in with other people.

• 47:56Caleb Hammer?

  Who's Bobby?

• 47:57Speaker 03

  Uh, girl I used to work with. She

• 48:00Caleb Hammer?

  Who's snapping with her?

• 48:02Speaker 03

  Okay. So a lot of people don't have social media other than Snapchat. So the only

• 48:08Caleb Hammer?

  What?

• 48:09Speaker 03

  Yeah. Like, I don't know why, but like a lot of people don't post anything on Facebook, don't post anything on anything other than like Snapchat. So like she posted something like she's getting her RN. Um, so she had testing. So I was just like, oh, good luck.

• 48:27Speaker 03

  I don't even really use Snapchat. Half of it's bullshit.

• 48:30Caleb Hammer?

  Deirdre, Deirdre and Babadeth, Babeth.

• 48:34Speaker 03

  Yeah. I did, like I said, I don't really use Snapchat other than

• 48:37Caleb Hammer?

  Yes, you do. You objectively do. What are you talking about? It's all right here.

• 48:42Speaker 03

  Yeah.

• 48:42Caleb Hammer?

  Like what, what are you on about? Yes, you actually do.

• 48:48Caleb Hammer?

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

• 49:29Caleb Hammer?

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

• 50:14Caleb Hammer?

  Resources part of the pinned comment or description below and save a shit ton of money. What do you, how do you feel about that? That would weird me out a little.

• 50:22Speaker 04

  It weirds me out a little bit. I can't see what's been talked about. So I just have to take his word for it.

• 50:28Caleb Hammer?

  And do you?

• 50:30Speaker 04

  I don't know what else to do. There's nowhere to dig on Snapchat. So.

• 50:35Caleb Hammer?

  Yeah, I guess not. Okay, very big into weed, aren't you?

• 50:40Speaker 03

  I mean, I used to be, but.

• 50:43Caleb Hammer?

  It's weed and Pokemon. Yeah, weed, Pokemon, weed, Pokemon.

• 50:46Speaker 03

  I can't smoke weed anymore with my job. So it's just shit I used to follow.

• 50:51Speaker 04

  Dreaming.

• 50:53Speaker 03

  Yeah, it's just bullshit.

• 50:55Caleb Hammer?

  That's a bit interesting. And do you, do you, do you take his word? Cause I mean, listen, I, I, I can't say here if he's doing something bad. It's not about that. But it's more like, okay, he's not responding to you while he's on the boat, but he's snapping these women.

• 51:09Speaker 04

  I've definitely had those thoughts.

• 51:11Caleb Hammer?

  Thoughts? But you've never brought it up.

• 51:14Speaker 04

  Ish.

• 51:15Caleb Hammer?

  What have you thought?

• 51:16Speaker 04

  I've told him that, well, I don't know, hinted at the fact that maybe there's somebody else. I don't know, because he's, he's so checked out all the time. I don't know what else. I mean, I don't know. He's gone for forever. So I don't know what the hell he does when he's gone.

• 51:31Caleb Hammer?

  You've never done anything with anyone in the last 11 years?

• 51:34Speaker 03

  No.

• 51:36Caleb Hammer?

  Very goony ex account, but.

• 51:38Speaker 03

  Yeah.

• 51:40Caleb Hammer?

  Oh, it's based on what you consume, my friend. That's how the algorithm works.

• 51:45Speaker 04

  Crazy.

• 51:47Caleb Hammer?

  It's what you engage.

• 51:48Speaker 03

  Instagram is just as bad too. So.

• 51:50Caleb Hammer?

  That's again, you, not Instagram.

• 51:56Speaker 03

  I'm on a boat for a month.

• 51:58Caleb Hammer?

  Let me see her Instagram.

• 52:01Caleb Hammer?

  We're getting into these finances. You snap her?

• 52:06Speaker 04

  I don't even have Snapchat.

• 52:08Caleb Hammer?

  Just have the other women. That's weird. Okay.

• 52:12Caleb Hammer?

  Oh, it is. Oh, it is. Oh, wow. It is. Whoa. It is all attractive women.

• 52:22Caleb Hammer?

  That is being followed in stories and engaging. And so, yep. Oh, yeah. Yep. Mm hmm.

• 52:29Speaker 04

  Yeah.

• 52:30Caleb Hammer?

  How do you feel about that?

• 52:31Speaker 04

  Don't like it.

• 52:33Caleb Hammer?

  That's bad.

• 52:36Caleb Hammer?

  Okay. Well, at least he's not really doing much in here.

• 52:39Speaker 03

  A lot of it's just spam shit.

• 52:41Caleb Hammer?

  Yeah. I mean, you have messaged a few women, but.

• 52:46Caleb Hammer?

  Now extensive conversations, lots of Instagram users. Like they like, must've deleted that. I think you're getting like, like, did you fall into?

• 52:55Speaker 03

  Like go to like who I follow, like to I like my actual page and it's like 5,000 people or some shit.

• 53:02Caleb Hammer?

  Yeah, all attractive women. Okay, whatever. I don't know. I feel insecure personally. I'm just saying that.

• 53:07Speaker 04

  Yeah.

• 53:08Caleb Hammer?

  Especially if he's gone all the time and not responding to you.

• 53:10Speaker 04

  Yeah.

• 53:13Speaker 04

  I can't imagine why anybody would have an issue with that.

• 53:16Caleb Hammer?

  But you've never brought it up.

• 53:18Speaker 04

  Never.

• 53:19Caleb Hammer?

  Why?

• 53:20Speaker 04

  I mean, well, I did a long time ago, but I don't, I, I, I think that, I mean, maybe partly I've checked out too. I don't feel like there's any point. Like, why? If you're 400 other times that I've tried to talk to you about any other problems that we've had, I'm not listening to.

• 53:36Caleb Hammer?

  That's true. So what now? Do you just give up? But you stay. You give up and stay.

• 53:43Speaker 04

  Yeah.

• 53:44Speaker 03

  I mean, if I wanted to do something, it wouldn't be hard. I'm not actively trying to like, go do anything or see anybody else.

• 53:51Caleb Hammer?

  You've never exchanged nudes.

• 53:53Speaker 03

  No.

• 53:54Caleb Hammer?

  Ah, with, I don't know, with that Snapchat thing, that's too hard to believe. And you definitely cold DMing a couple of women on Instagram. It was like a year ago, but still. Um, okay. Well, either way, what do you guys think your financial score is today? Zero being the worst, 10 being the best.

• 54:12Speaker 04

  I'm gonna guess a three.

• 54:13Speaker 03

  Five?

• 54:15Caleb Hammer?

  Why do you think of five?

• 54:16Speaker 03

  Maybe four. I own a house. I mean, I'm paying my bills.

• 54:21Caleb Hammer?

  Help. Do you? Would you know?

• 54:23Speaker 03

  Yeah. I mean, I wouldn't have utilities, right? I mean.

• 54:28Caleb Hammer?

  When you're there for a third of the month. All right. If you want your hammer financial score, it's been retweaked. It's being redeveloped. It's incredible. It's much more thorough. Now check it out in each category. It is free. Calebhammer.com. Go ahead and get that. It just takes a few minutes. And if you don't want to be like a guest who ends up on the show, you can actually answer questions about your finances because you'll put everything automatically into DollarWise. The budgeting app we made for the average American instead of that over complicated bullshit where you stop even using after a week. So check it out. Get a free trial, DollarWise.com or just download the app. Take the annual version. If you like it, most people do because it saves nearly 50% on your money.

• 55:02Speaker 00

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

• 55:27Caleb Hammer?

  And you get the physical version of my 30-day meal plan signed by me mailed directly to you and the digital version of the cookbook as well. So check that out. All right. Let's get into, let's get into a little bit of the, a little bit of the money. We got a lot of bit of money to go through here. And that's clearly the big disagreement in this relationship. Anyway, it's kind of, it's tearing her apart. And you don't really seem to care, which is kind of crazy. Like, I don't know. Well, how do I guess someone to care? It's difficult. Really? The only thing would, it'd be like an ultimatum, her leaving, but I don't think she cares enough to leave. She's just willing to give up and just put everything into calories. So I don't know.

• 56:04Speaker 03

  I don't think she could afford to anyway. So.

• 56:08Caleb Hammer?

  That's probably not what she wants to hear.

• 56:10Speaker 04

  I mean, is that the only reason you want me to stay with you?

• 56:13Speaker 03

  Technically.

• 56:14Caleb Hammer?

  What? Not to stay. She, he's literally saying you can't leave.

• 56:17Speaker 04

  Which is what, is that what he wants? My only reason to be with him to be?

• 56:22Caleb Hammer?

  I see what you're saying. Yeah.

• 56:23Speaker 03

  I mean, I'm not home half the time anyway.

• 56:26Speaker 04

  So you do want me to just be with you for your money?

• 56:28Speaker 03

  Like that, you're pretty much.

• 56:30Caleb Hammer?

  What are you trying to say?

• 56:31Speaker 03

  Like if you wanted to leave, if you did want to leave me, it's not like I'm home that much anyway.

• 56:37Caleb Hammer?

  You wouldn't care if she leaves. Is that what you're saying?

• 56:39Speaker 03

  I would care, but I'm saying like, if I'm, if I work and I'm gone all the time, it's pretty much like you're at home, single anyway. Like it wouldn't be that much of a difference if you wanted to leave.

• 56:51Caleb Hammer?

  How does that make you feel?

• 56:52Speaker 04

  Like he is emotionally stunted and has no feelings whatsoever.

• 56:56Caleb Hammer?

  What, you're gonna put up with it for another 11 years?

• 56:59Speaker 04

  Well, my kid's nine, so.

• 57:03Caleb Hammer?

  Why'd you say 10? Why am I having to change the ages?

• 57:06Speaker 04

  I said almost. I'm sorry. I'm mad about that.

• 57:08Caleb Hammer?

  Ages.

• 57:10Speaker 04

  It's close enough.

• 57:12Caleb Hammer?

  No, just like, how old are they? And then that's the answer. You're stupid.

• 57:15Speaker 04

  Well, that's how I do things.

• 57:17Caleb Hammer?

  I should have been cooking him right there, but you just had to be.

• 57:22Caleb Hammer?

  Okay, you have a payday loan.

• 57:23Speaker 03

  A couple.

• 57:24Speaker 04

  A couple.

• 57:25Caleb Hammer?

  You make 110,000 hours a year. Why do you have a payday loan at 688% interest? While you make 110,000 hours a year. What the is wrong with you? Possibly.

• 57:40Speaker 03

  That's like a thousand dollar loan.

• 57:42Caleb Hammer?

  That's not the point. It's the interest.

• 57:45Speaker 03

  Was to pay that shit off like next paycheck.

• 57:48Caleb Hammer?

  It's the interest rate. Why are you having to take this out in the first place? You make good money.

• 57:54Speaker 03

  So I didn't get paid for like a month because I got off work and I went to school for my license, um, for my pilot license. So that was like, 18 days or something like that. So I didn't get paid for a full month. So it was just kind of like balance everything until I got back to work.

• 58:13Caleb Hammer?

  But why the payday loan? You with your income, you could qualify for a good personal loan.

• 58:17Speaker 03

  I've never really tried.

• 58:19Caleb Hammer?

  Why? You immediately go to a payday loan?

• 58:21Speaker 03

  I just go on Credit Karma and the first thing that pops up.

• 58:23Caleb Hammer?

  What? Dude, listen, again, it's not for everyone. I wouldn't recommend it for people like you, but for people like me, people that can manage their debt, like on Calebhammer.com, we have these financial services that we're building out and stuff. And we have personal loans for people that can apply. And there's like 0% interest rate period loans and shit.

• 58:43Caleb Hammer?

  This is at 688%.

• 58:47Speaker 04

  Make it make sense.

• 58:48Speaker 03

  My credit though, like prevents me from doing a lot of those.

• 58:52Caleb Hammer?

  Well, why would you have bad credit? That makes no sense. With your income, there's no reason you should be going into a bad credit situation. You borrowed $800. You have to pay back a total of $4,475.

• 59:09Speaker 04

  It's a lot. Why?

• 59:11Caleb Hammer?

  Where did it go? Did she even know about this?

• 59:14Speaker 04

  No.

• 59:15Caleb Hammer?

  So he did this behind your back?

• 59:17Speaker 04

  Every time he does it behind my back. Every time.

• 59:20Caleb Hammer?

  Where'd the money go?

• 59:22Speaker 03

  So it went to them at the house. Like they needed money in the account. I hadn't got paid yet. So I just made sure there's money in the account for whatever they need. So I don't know what it got spent on, but it got spent.

• 59:34Speaker 04

  Bills and food.

• 59:34Caleb Hammer?

  You just took this out.

• 59:36Speaker 03

  Yeah, cuz I just went to school for my license.

• 59:39Caleb Hammer?

  Two hundred and three dollars and thirty. No, it's every other.

• 59:43Speaker 03

  That one I plan on paying the.

• 59:45Caleb Hammer?

  I'm glad you plan on, but will you? Because every time someone.

• 59:48Speaker 03

  That one for sure.

• 59:49Caleb Hammer?

  Every time someone takes out a personal loan, they plan to do it. They never do, or a payday loan.

• 59:54Speaker 04

  As long as not, most of the paychecks are gone from your other payments.

• 59:57Speaker 03

  That's the first one I plan on paying back because it was stupid even doing it.

• 1:00:01Caleb Hammer?

  So, uh, okay, at four hundred seven dollars a month, if you don't, you have to pay half the balance.

• 1:00:08Speaker 03

  Right. So why wouldn't I just pay it all off?

• 1:00:11Caleb Hammer?

  I agree. Why wouldn't you? You're the person that's enough to take out one of these in the first place. So you're the person that's enough to not pay it off. So I can't trust you to pay it off. You're someone that is taking out a seven hundred percent interest rate loan. Someone who's willing to do that is also enough not to pay you.

• 1:00:29Caleb Hammer?

  When did you learn about this? Is it now?

• 1:00:31Speaker 04

  I mean, I've pretty much given up on which ones are which because I keep trying to ask, how much do we have left? What payments do you? He doesn't even know. He doesn't know what he has. So yeah, I mean, I, I don't know which one that would be for. So yeah, I didn't.

• 1:00:49Caleb Hammer?

  So what's your perspective on this? This is crazy.

• 1:00:52Speaker 04

  Overwhelming. I don't know. It's, there's so much that I don't even know where to start.

• 1:00:58Caleb Hammer?

  You married a man and made a child with someone that has taken out eight hundred percent interest rate payday loans behind your back. What the? Also, another reason why you might not pay this off immediately, you have bad credit score already, meaning you suck with this shit. So why the fuck would I trust you to do it? Look at your teeth.

• 1:01:16Speaker 03

  You only need credit if you're buying shit, but I'm trying to boost it anyway. Like that's.

• 1:01:20Speaker 04

  You're trying to buy shit.

• 1:01:22Speaker 03

  Yeah.

• 1:01:23Caleb Hammer?

  How much did those cost?

• 1:01:24Speaker 03

  The teeth?

• 1:01:25Caleb Hammer?

  Yeah.

• 1:01:26Speaker 03

  I made payments on a lot of it.

• 1:01:30Speaker 03

  It's still got a lot of work to do, but.

• 1:01:33Caleb Hammer?

  How much more?

• 1:01:34Speaker 03

  Maybe thirty thousand? Twenty five, thirty.

• 1:01:37Caleb Hammer?

  For what? Golding everything?

• 1:01:40Speaker 03

  All crowns.

• 1:01:41Caleb Hammer?

  How f***ing are your teeth? Your bottom road doesn't look insane from here. A little crooked, but not like.

• 1:01:46Speaker 03

  But I'm f***ed up. Get crowns on them.

• 1:01:49Caleb Hammer?

  Why?

• 1:01:51Speaker 03

  Why not? I've already started. I look kind of. Huh?

• 1:01:55Caleb Hammer?

  Do they need root canals?

• 1:01:56Speaker 03

  No. Everything else is just cosmetic, other than the implant I need.

• 1:02:00Caleb Hammer?

  You're gonna prioritize thirty thousand hours of cosmetic things for your mouth instead of paying for your kid's school.

• 1:02:05Speaker 03

  Anybody, you can go get a loan for school. That's what every kid does. Like, why am I gonna pay for my kid's college?

• 1:02:11Caleb Hammer?

  Uh, setting them up for an easier chance of success?

• 1:02:14Speaker 03

  Help you, you know, get a vehicle or get an apartment or, you know, do other things. But when it comes to your school fund, you're gonna pay for that.

• 1:02:22Caleb Hammer?

  How about this? Thirty thousand dollars for your teeth instead of thirty thousand dollars into a kid's Trump account, growing tax advantaged in the S and P five hundred. They could use that money for anything. A down payment on a house. Imagine your kids getting a down payment on their house in their twenties.

• 1:02:39Speaker 03

  And not having to work for nothing?

• 1:02:41Caleb Hammer?

  It's not about not having to work, but you're giving them an advantage in a system that's already kind of hard to get a house. But instead you're prioritizing you getting gold teeth. You not see the disconnect. Selfish. It's all about you.

• 1:02:52Speaker 04

  Maybe they wouldn't have to spend eleven years trying to get to the point of spending way too much money on themselves.

• 1:02:58Caleb Hammer?

  And maybe you could get her Ozempic.

• 1:02:59Speaker 04

  Maybe.

• 1:03:00Speaker 03

  That's like fifty dollars a month.

• 1:03:02Caleb Hammer?

  Exactly, but you're prioritizing thirty thousand dollars for your mouth. She can't get mass care. She can't get.

• 1:03:08Speaker 03

  I have good healthcare. I'm pretty sure it's probably covered.

• 1:03:10Caleb Hammer?

  Insurance?

• 1:03:11Speaker 03

  Yeah. Health insurance.

• 1:03:13Speaker 04

  But you still have to pay for everything.

• 1:03:16Speaker 03

  Louisiana. And if you go to like their little Oshner or whatever, it's like a hundred percent covered.

• 1:03:21Speaker 04

  We don't live in Louisiana. We have to pay for shit.

• 1:03:25Caleb Hammer?

  What the f*** are you saying, dude?

• 1:03:26Speaker 03

  My company, when it comes to healthcare, will a hundred percent pay for everything.

• 1:03:30Speaker 04

  In Louisiana.

• 1:03:31Caleb Hammer?

  Your thirty thousand hour teeth?

• 1:03:32Speaker 03

  That's not cosmetic.

• 1:03:34Caleb Hammer?

  See?

• 1:03:35Speaker 04

  In Louisiana.

• 1:03:36Caleb Hammer?

  Yeah, she doesn't live in Louisiana.

• 1:03:38Speaker 03

  It's like four hours away.

• 1:03:41Caleb Hammer?

  Wait, four hours isn't nothing.

• 1:03:43Speaker 04

  Like I'm just gonna drive there every week for a doctor's appointment.

• 1:03:47Caleb Hammer?

  Why would you be going to the doctor every week?

• 1:03:49Speaker 04

  Well, however much you have to go.

• 1:03:52Caleb Hammer?

  I don't know. I don't know what you guys are on about. You can get Ozempic online.

• 1:03:55Speaker 04

  Oh.

• 1:03:56Caleb Hammer?

  There you go. Well, I mean, it costs money. You're prioritizing your cosmetic teeth up and down.

• 1:04:00Speaker 03

  I wouldn't recommend anybody to use it, but.

• 1:04:02Caleb Hammer?

  Why? She's gonna die before you.

• 1:04:06Speaker 04

  At this point?

• 1:04:08Caleb Hammer?

  Well, yeah, you probably like twenty years.

• 1:04:10Speaker 04

  And with the amount of stress you put on me too.

• 1:04:12Caleb Hammer?

  Okay, shut the f*** up. What stress? You're just not having conversations.

• 1:04:16Speaker 04

  Well, yeah, I mean, that's stressful.

• 1:04:18Caleb Hammer?

  It's, uh, well, yeah.

• 1:04:23Caleb Hammer?

  Selfish. Another one for you. This one, uh, V, Viva.

• 1:04:31Caleb Hammer?

  Okay, three thousand eighty three dollars and ninety cents with a biweekly payment of eighty nine eighty one. What's this for?

• 1:04:38Speaker 03

  Um, that was to pay off some debt.

• 1:04:41Caleb Hammer?

  Consolidation.

• 1:04:42Speaker 03

  That's what I was trying to do.

• 1:04:43Caleb Hammer?

  This is another example of why I don't think you're actually gonna pay off the payday loan. The thing is consolidation's fine. Bankruptcy's fine. Personal loans are fine. Credit card transfers are fine. Not if you don't change your behavior first, because then it's not a tool, it's a f***ing weapon.

• 1:04:56Speaker 03

  So I tried to take that one out to pay off all the others. That way I only had one payment.

• 1:05:01Caleb Hammer?

  Payoff the payday loan. You have no, no ability to convince me that you're able to do anything based on your history. You're not good at this stuff. You're not good at this stuff. This isn't for you.

• 1:05:17Speaker 04

  Very true. He's never been good at money, our entire relationship. So I don't know why I expected it to be better when he was making more money.

• 1:05:27Caleb Hammer?

  What was even the point of the consolidation? It's at a thirty one percent interest rate. That's a credit card. What, what, what did you even get out of this consolidation?

• 1:05:35Speaker 04

  He has no idea.

• 1:05:37Speaker 03

  I paid off a bunch of, uh.

• 1:05:38Caleb Hammer?

  You didn't pay off anything. You moved the debt.

• 1:05:40Speaker 03

  Yeah, I moved debt around.

• 1:05:42Caleb Hammer?

  Built the other debt up again. That's what happens every time. You damaged yourself. It was a f***ing weapon against you. It wasn't a tool for your benefit.

• 1:05:48Speaker 03

  I was trying to get the credit cards down.

• 1:05:51Speaker 04

  And he didn't.

• 1:05:52Caleb Hammer?

  But you put it basically on another credit card. If we're comparing the interest rate, it might even be worse with how low the payment is. And then you built the credit cards back up cuz you didn't change behavior, Cam.

• 1:06:04Speaker 03

  So is it better to pay them off individually or just one big loan and pay it all off?

• 1:06:09Caleb Hammer?

  You can do the big loan, not with that kind of interest rate, but only if you change your behavior. Because again, you have this much in credit card debt, this much in personal loans. Then you put it on a personal loan and now your credit cards are here, right? But since there's the ability to spend on those credit cards, you spend on it. Now you have double the debt. That's what happens if you don't change your behavior. Again, I love the personal loan services we have on Calebhammer.com, the car insurance and all that good stuff that we're building out, okay? It's all there for people out there, for people like me. Not for people like you, because you can't f*** control yourself. You didn't change your behavior. Uh, and then for Tiva, retail credit. Again, this is him. It's been him the last few times.

• 1:06:50Caleb Hammer?

  What the f***? He won't talk to you just cuz? Is he just a bad person? Is he just a f***ing bad person? Like, what are we doing?

• 1:06:55Speaker 04

  I mean, I, I don't know. Part of the time I wonder because, you know, I, I've wondered if he's running around when he doesn't talk to me or when he doesn't wanna have solid conversations. So, you know, with our phones, the iPhones, I would try to see where he was at, like.

• 1:07:12Caleb Hammer?

  Oh, he have his location.

• 1:07:14Speaker 04

  Yeah, the find my iPhone. So I.

• 1:07:18Speaker 03

  I, I turned it off.

• 1:07:19Caleb Hammer?

  Why?

• 1:07:20Speaker 03

  I've had it off for years.

• 1:07:22Caleb Hammer?

  Why?

• 1:07:23Speaker 03

  Because I worked on the road and the problem I had was, it was a horrible job, like I'm working now. And I'd worked sun up to sundown. I was doing solar factory.

• 1:07:35Caleb Hammer?

  Location?

• 1:07:36Speaker 03

  Getting there. So.

• 1:07:37Caleb Hammer?

  Okay.

• 1:07:38Speaker 03

  Anyway, I get off work and the only place to go eat, you know, would be like a bar or something, whatever. I'm just going to get food. I go back to my apartment and I would just fall asleep. Well, she's wanting to have these conversations and talk. And whenever you have.

• 1:07:54Speaker 04

  Hours and wouldn't say a word to me and you would just show up at a bar.

• 1:07:57Speaker 03

  Whenever you have find my iPhone on, you can ping the phone and it'll go off until you turn it off. So if I didn't message her back, she would just keep hitting ping my phone.

• 1:08:08Speaker 04

  Imagine.

• 1:08:09Caleb Hammer?

  No, Shaggy turned it off then.

• 1:08:12Speaker 04

  You'd go hours without talking to me.

• 1:08:13Caleb Hammer?

  My, my, my trip right now, I have her location. You know why? Not so I can, oh, she has to talk to me. No, I'm just, I wanna make sure it's like I'm, she doesn't get in like a f***ing car crash. It's scary.

• 1:08:24Speaker 04

  Well, yeah, I mean, I, that's why we had it. But when I'm looking and all he is is in a bar and not talking to me.

• 1:08:30Caleb Hammer?

  You're just pinging him. You're just pinging him.

• 1:08:32Speaker 04

  Yeah, because he's probably cheating on me. He's at a bar.

• 1:08:39Speaker 03

  So I told her last time, if you ping my phone again, I'm turning this shit off and I'm never turning it back on. Well, the beginning of the year, I was like, you know what?

• 1:08:48Caleb Hammer?

  This year?

• 1:08:49Speaker 03

  We, yeah, we had a conversation. I said, if I turn it back on, you know, we'll see how it goes. And not even week, couple of weeks later, I got arrested over it.

• 1:09:01Speaker 04

  Oh, my God. It was so much longer than that.

• 1:09:03Caleb Hammer?

  You got, she got you arrested?

• 1:09:04Speaker 03

  Yeah, over having find my iPhone on. Essentially.

• 1:09:09Caleb Hammer?

  Someone tell me. That makes no sense.

• 1:09:12Speaker 03

  So I went to a friend's house and she just assumed whatever while I was at a friend's house a couple of hours away.

• 1:09:18Speaker 04

  Once again, his communication is shit.

• 1:09:20Speaker 03

  So I left his house and I had a migraine. So I pulled over. I never have a migraine, ever. So I pulled over at a grocery store and I was sitting in the car. And I have a Oura ring and like I even like tracked this shit out. I wasn't even asleep for two hours. I didn't respond to her for two hours and she called a welfare check on me. Cops rolled up and immediately they looked at me and arrested me and tried to give me a DUI.

• 1:09:50Speaker 04

  It was twice that long. And he had told me previously that he was on his way home. So three hours after he was supposed to, you know, be getting close to home now, I look and see that he's still two and a half hours away. What the hell?

• 1:10:04Speaker 03

  Sitting at a grocery store.

• 1:10:05Speaker 04

  I tried calling him, didn't ping him, didn't ping him, but I knew where he was. So, yeah.

• 1:10:10Speaker 03

  So he calls the grocery store.

• 1:10:12Speaker 04

  Something wrong because he's not answering me.

• 1:10:14Caleb Hammer?

  Helicopter wife.

• 1:10:16Speaker 04

  I'm sorry, that's starting to get a little insane. I was afraid that something was wrong because he literally

• 1:10:22Caleb Hammer?

  What time was it?

• 1:10:23Speaker 04

  Said he was

• 1:10:23Caleb Hammer?

  What time was it?

• 1:10:24Speaker 03

  It was like three in the evening.

• 1:10:25Speaker 04

  No, it wasn't. He was supposed to already be home and like for a while before I started freaking out.

• 1:10:32Speaker 03

  My daughter gets home at four. She wanted me home around when the time my daughter got home.

• 1:10:35Caleb Hammer?

  This is the first time you let her have access again in a long time, right?

• 1:10:39Speaker 03

  Oh, yeah.

• 1:10:39Caleb Hammer?

  And she immediately called the cops?

• 1:10:41Speaker 03

  Yeah.

• 1:10:42Caleb Hammer?

  Oh, my. No shit. He's never gonna get access. Did they arrest you?

• 1:10:47Speaker 03

  Yeah, I went to jail.

• 1:10:48Speaker 04

  That was not the plan. I literally called the welfare check and said that there's something wrong because he's not answering me.

• 1:10:55Speaker 03

  And like, I have a federal license. Like, they tried to give me a DUI. If I get a DUI, I'll lose my job. Done. Over with.

• 1:11:03Caleb Hammer?

  How'd you get out of it?

• 1:11:04Speaker 03

  So, um, they arrested me on the spot. They, cause I threw up outside the car. So he pulled up, he's like,

• 1:11:10Caleb Hammer?

  Cause the migraine?

• 1:11:11Speaker 03

  Yeah. He said, you, um, like, I want to talk to you. You don't step out the car, you know? So I step out of the car. I said, put your hands behind your back. You're under arrest. I said, what the for? He said, you're drunk. I said, no, I'm not. And he said,

• 1:11:23Caleb Hammer?

  Did you ask for a breathalyzer?

• 1:11:24Speaker 03

  Well, they wouldn't do it there. They didn't do a sobriety check, nothing. They arrested me, put me in the car, towed the car. I went to jail and then, um, they tried to book me in and then they did the breathalyzer. Well, I passed the breathalyzer. I told the cop, I said, well, told you, like, I wasn't drunk. This was pointless. So I'm getting my stuff back. The cop comes back out and he's like, hey, I got something for you. You're not leaving yet. So I was like, what the? So he brings me back a, um, public intoxication. So he gives me that and now I have to go get a lawyer. I've already paid him a thousand dollars. I had to pay $300 to get my car out of impound.

• 1:12:01Caleb Hammer?

  Oh, because she's a crazy bitch.

• 1:12:02Speaker 03

  Because she called the welfare check on me because I was sitting in a grocery store.

• 1:12:05Speaker 04

  Several months before this happened and nothing happened. The only reason I did is because I legitimately was afraid that something was wrong. I, I even called,

• 1:12:14Caleb Hammer?

  Even when someone has their location, you shouldn't be checking someone's location, like,

• 1:12:18Speaker 04

  I wouldn't have. I didn't.

• 1:12:19Caleb Hammer?

  Why were you?

• 1:12:21Speaker 04

  Because he wasn't answering me and he wasn't home when he was supposed to be.

• 1:12:24Caleb Hammer?

  He doesn't need to always answer you!

• 1:12:26Speaker 04

  He does when he's two hours away and he's already supposed to be home.

• 1:12:29Speaker 03

  I was at a grocery store. It's not like it was like pulled up in some random apartment. I had a migraine.

• 1:12:36Caleb Hammer?

  I know. Why didn't you just text her real quick?

• 1:12:38Speaker 03

  Was like, I did. I said,

• 1:12:39Caleb Hammer?

  Cause you weren't supposed to be home.

• 1:12:40Speaker 03

  I said, I'm on my way home. I'm leaving in a

• 1:12:44Speaker 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.

• 1:13:08Speaker 03

  Second, and then I left. I pulled into, like, I got back into town, pulled in the grocery store, threw my phone. I was like, this shit and like just crashed out.

• 1:13:19Caleb Hammer?

  You should have texted her real quick. If you, if you were expecting you to be home.

• 1:13:22Speaker 03

  I would have if I knew I was gonna get arrested.

• 1:13:23Caleb Hammer?

  I think it's relatively fair for something to be concerned.

• 1:13:25Speaker 04

  Regardless, for, for respect for your wife, you should want to text her.

• 1:13:30Speaker 03

  I literally,

• 1:13:30Speaker 04

  Not just because you don't want to get arrested.

• 1:13:32Speaker 03

  Matter if I got home a couple hours later?

• 1:13:35Caleb Hammer?

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• 1:14:15Caleb Hammer?

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• 1:15:00Caleb Hammer?

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

• 1:15:15Speaker 04

  It matters when somebody's worried about you and you said you're on the way.

• 1:15:19Speaker 03

  Why would you immediately be worried?

• 1:15:21Speaker 04

  Because it's been hours and you're not answering me no matter what I do.

• 1:15:24Caleb Hammer?

  She's a helicopter wife for sure, but like, if you were supposed to be home in a couple hours and she was planning on it, then all of a sudden like you're just like stuck somewhere, like maybe.

• 1:15:31Speaker 03

  I'm the kind of person, I'll sit there and talk to some random person in a gas station for like an hour. Like, it's not,

• 1:15:38Speaker 04

  That's not the same. You would answer your phone then.

• 1:15:40Caleb Hammer?

  No.

• 1:15:41Speaker 04

  Yes. You would say something like, hey, real quick, be right back. Like, literally anything to say that you're not dead somewhere would be sufficient and I would leave you the alone. But no, I don't even get that.

• 1:15:54Speaker 03

  I just wouldn't share a location.

• 1:15:56Speaker 04

  He doesn't anymore.

• 1:15:57Caleb Hammer?

  Fair.

• 1:15:58Speaker 04

  Well, I'm just not gonna let him go to his friend's house anymore then.

• 1:16:01Caleb Hammer?

  Let?

• 1:16:02Speaker 04

  Yeah. He doesn't ever go, so he just can stay at home if he's not gonna let me know that he's on his way home or anything that's going on.

• 1:16:09Speaker 03

  Like, I'll just, I'll leave if I want to go do something. I'm not worried about that.

• 1:16:14Caleb Hammer?

  And you think you can stop him?

• 1:16:15Speaker 04

  He's not worried about anything.

• 1:16:16Caleb Hammer?

  You think you can stop him? How are you stopping him?

• 1:16:20Speaker 04

  I haven't ever tried to stop him before.

• 1:16:22Caleb Hammer?

  How will you try?

• 1:16:23Speaker 04

  I don't know.

• 1:16:23Caleb Hammer?

  What's let?

• 1:16:24Speaker 04

  Being dramatic. I don't, I mean, it's not being technicalities, but I will be upset if he tries to do something like that again and not talk to me.

• 1:16:35Speaker 03

  Conversation about it.

• 1:16:36Speaker 04

  Yeah. I mean, if that's what it takes.

• 1:16:38Speaker 03

  And say nothing because what the fuck am I supposed to say to that?

• 1:16:43Caleb Hammer?

  Yeah, you guys are fucked up.

• 1:16:44Speaker 03

  Yeah.

• 1:16:45Caleb Hammer?

  $1,156.38 on this, uh, Fortiva credit card. Again, that it was him. So I was trying to say, uh, $80.28 a month. Just made the minimum. Payment essentially. Yep. No purchases, but there is interest. There is fees. Why? Paper statement. Why do you have to get paper statements? You're paying for paper statements that you probably never even look at.

• 1:17:07Speaker 04

  No.

• 1:17:07Speaker 03

  No, I do. But she doesn't, like, I like to have them, but she doesn't ever open. So she doesn't open mail. She will not open mail. So when I get home, I have all the paper stuff I can go through and look at it all. And then I shred everything.

• 1:17:20Caleb Hammer?

  Well, you have a credit one too, buddy. And that's like the worst credit card you can get. So no, I don't trust you. I'm paying off the payday loan. Oops. I just don't. It's basically maxed out. $627.87 with a minimum monthly payment of $32. What was Fortiva for? What'd you rack all that thousands up for?

• 1:17:39Speaker 03

  Fortiva? That's the Alienware.

• 1:17:42Caleb Hammer?

  Gaming PC? Alienware?

• 1:17:44Speaker 03

  Yeah, my laptop.

• 1:17:46Caleb Hammer?

  Oh, well, I guess mobile.

• 1:17:49Speaker 03

  No, I didn't even, I didn't even get the crazy one. I went, I like basic, like, thousand-dollar laptop thing.

• 1:17:56Speaker 04

  That's basic.

• 1:17:57Speaker 03

  Yeah.

• 1:17:58Caleb Hammer?

  Oh, no, no.

• 1:17:58Speaker 03

  She can't say shit. Her laptop's $2,400.

• 1:18:02Caleb Hammer?

  She doesn't know what she's talking about. But like, did you have to do this?

• 1:18:05Speaker 03

  The laptop?

• 1:18:06Caleb Hammer?

  Yeah.

• 1:18:06Speaker 03

  Yeah, I wanted to play World of Warcraft because the burning crusade popped back out.

• 1:18:10Caleb Hammer?

  You put it on a credit card that has a growing interest and fees. Wanted. With your money, you should have bought this in cash easily. Done. Dead.

• 1:18:20Speaker 04

  And the difference is I use mine for college.

• 1:18:21Speaker 03

  I didn't want to have to explain a thousand dollars.

• 1:18:24Caleb Hammer?

  Yeah, for nutrition.

• 1:18:26Speaker 04

  It's still a degree.

• 1:18:27Caleb Hammer?

  It's a degree for something, a business you're trying to start that is never gonna do anything.

• 1:18:30Speaker 04

  I mean, it might. Probably not in Arkansas.

• 1:18:33Speaker 03

  That's a conversation I have. And then she gets mad.

• 1:18:35Caleb Hammer?

  Oh, you tell her that it's gonna not work? How do you say it?

• 1:18:40Speaker 03

  She wanted to do the doula thing and then like I fed into all that and she was making hella killing with one client and then stopped. And then like we had our daughter and I delivered her at home myself. Like, that was crazy. And then they kind of just fell off because COVID and they never picked back up. And then she wanted to do the nutrition thing to like help with the doula thing, but it's like in the area, in the area, we live in, it's not even practical. Like the, I would say the average income in our area is maybe 20 something thousand a year.

• 1:19:14Caleb Hammer?

  Piece of shit. Please.

• 1:19:16Speaker 04

  We have to for my son. His dad lives there. So until he's 18, like,

• 1:19:20Caleb Hammer?

  What were you doing? Why were you popping on a baby with a random dude at 18? Freak.

• 1:19:25Speaker 04

  I was actually married and I was 20 when I had him.

• 1:19:29Caleb Hammer?

  Why?

• 1:19:29Speaker 04

  Military wife because I'm an idiot.

• 1:19:31Caleb Hammer?

  Who'd she get on who?

• 1:19:33Speaker 04

  He did. On me.

• 1:19:34Speaker 03

  The bartender.

• 1:19:36Speaker 04

  Yeah.

• 1:19:37Speaker 03

  So that's what brings,

• 1:19:38Caleb Hammer?

  Oh, that's why you're not allowed to go to bars.

• 1:19:40Speaker 04

  An entire year.

• 1:19:41Caleb Hammer?

  Do your bars ever have titties in them?

• 1:19:43Speaker 03

  They're shit. They're old women.

• 1:19:44Caleb Hammer?

  Titty bars?

• 1:19:46Speaker 03

  I'm talking, that's different. I ain't doing nothing at a strip club.

• 1:19:50Caleb Hammer?

  You're not going to strip clubs?

• 1:19:51Speaker 03

  No, I'm saying those women have been passed around. I ain't touching them. Like, why would I even think about that?

• 1:19:57Caleb Hammer?

  I don't believe that you've never done anything in 11 years.

• 1:19:59Speaker 03

  Selective. Like, I would not go to a strip club if that's what I was worried.

• 1:20:04Caleb Hammer?

  But you've done nothing in 11 years.

• 1:20:06Speaker 04

  Yeah.

• 1:20:07Caleb Hammer?

  With women on Snapchat and Instagram. What?

• 1:20:11Speaker 04

  You would see why somebody might have their worries.

• 1:20:14Caleb Hammer?

  I think it's, uh,

• 1:20:15Speaker 04

  About bars or not being somewhere when you say you will.

• 1:20:19Caleb Hammer?

  Okay, you have a Bank of America. Okay, this is maxed out. You actually spent money on here while you're accruing a shit ton of interest. Takes 11 years to pay off. All kids will be out of the house.

• 1:20:31Caleb Hammer?

  What are you doing, man? Klarna? You're purchasing on Klarna on here? Wait, what? Are you paying on, what, what do you, what do you mean?

• 1:20:41Speaker 04

  So many payments.

• 1:20:42Caleb Hammer?

  Klarna, what Klarna are you paying for? Klarna? So like Klarna Premium? Do, do I not even know about this?

• 1:20:48Speaker 03

  I don't know.

• 1:20:50Caleb Hammer?

  It's 25 bucks, dude.

• 1:20:52Speaker 03

  Oh, that's probably,

• 1:20:53Caleb Hammer?

  Is it a Klarna debt that you're paying a debt with? But you're paying a debt with a debt? You're, you're paying a credit card payment with a credit card?

• 1:20:59Speaker 03

  I don't know which Bank of Amer, I have three Bank of America accounts.

• 1:21:02Caleb Hammer?

  Uh, well, it's the one that you get Klarna on.

• 1:21:05Speaker 04

  Yours.

• 1:21:06Caleb Hammer?

  He's had late payments every month this year so far.

• 1:21:09Speaker 04

  Yep.

• 1:21:09Caleb Hammer?

  Oh.

• 1:21:10Speaker 04

  I'm not surprised.

• 1:21:12Caleb Hammer?

  Did you know?

• 1:21:13Speaker 04

  No. I mean, I'm, but I'm sure the only ones that are on time are the ones that,

• 1:21:17Speaker 03

  She has access to that account.

• 1:21:19Caleb Hammer?

  The credit card.

• 1:21:19Speaker 03

  It doesn't matter.

• 1:21:20Caleb Hammer?

  That checking account.

• 1:21:20Speaker 03

  No, I have, when you pull up the app, it has the checking account and then the credit card's right under it. So she could see that if she wanted to.

• 1:21:27Caleb Hammer?

  You're late every month, dude. This is pathetic. Why are you spending money when you're late every month? I pay my bills. My bills are paid. That's what you said. Fuck you. No, they're not.

• 1:21:38Speaker 03

  I don't remember it being late.

• 1:21:40Caleb Hammer?

  It's been late every month.

• 1:21:42Speaker 03

  It's not like, okay, it's not technically late till it's like, what, 14 day or 10 days?

• 1:21:46Caleb Hammer?

  No, I didn't say missed payment. I said late.

• 1:21:49Speaker 03

  Yeah, so I don't, I don't mind paying things late as long as it doesn't hit the 10, 14 day and then hit.

• 1:21:54Caleb Hammer?

  Why? Because you're, because you're still having to pay an extra $120 added to this card this year. And then more interest as well. You're having to pay more money for it.

• 1:22:02Speaker 03

  It's not late on the credit, though.

• 1:22:05Caleb Hammer?

  No, it's that I missed payment. It's a late payment. Late payment means you're paying more for it still, though. You're still facing a punishment. Just not on your credit report. Huh?

• 1:22:16Speaker 04

  I said accruing more interest, essentially.

• 1:22:19Caleb Hammer?

  All right, let me handle the financial conversation.

• 1:22:21Speaker 03

  Hey, what, it's a hundred bucks?

• 1:22:23Caleb Hammer?

  Hundred twenty this year so far, as of two months ago, so I'm sure it's more. $300 in interest as well, because more interest is accruing. It's gonna be well over a thousand by year's end. At that rate. And again, you're paying a credit card payment with a credit card.

• 1:22:39Caleb Hammer?

  Capital One, uh, uh, uh, you, shocker, it's you.

• 1:22:45Caleb Hammer?

  Basically maxed out $413.56. Little more than a minimum, but you didn't even pay the last one in ten, so this makes no sense. This is all over the place. $25 a month.

• 1:22:55Speaker 03

  I opened up that one a couple of years ago and just.

• 1:22:58Caleb Hammer?

  Congrats.

• 1:22:59Speaker 03

  Never went back to it.

• 1:23:02Speaker 03

  So.

• 1:23:02Caleb Hammer?

  We've had late fees this year, even though you paid a little extra that time. It makes no sense. You're all over the place, man. This is just what a mess. Credit Fresh, I've never even heard of this. Oh, my death is basically maxed out. What is this, dude?

• 1:23:17Speaker 03

  Uh, I just took the full loan out in cash and put it in my bank account.

• 1:23:20Caleb Hammer?

  A free?

• 1:23:22Speaker 03

  I was trying to use it to do debt consolidation.

• 1:23:26Caleb Hammer?

  Oh, you pathetic worm.

• 1:23:28Speaker 03

  The credit one.

• 1:23:31Caleb Hammer?

  Oh, it's gone higher. It's a, it's a $4,031.31. What are you doing? What are you doing, you? Minimum monthly purchase, 200. Billing cycle charge, that's a fee. Fee? Why is there a fee? Billing cycle charge fee? What's your normal payment? Oh, what the, this makes no sense. $250. 3 cents minimum payment, but then there's a billing cycle fee of 214. Is that every month? There's no clarification. Where'd this money go? Did you consolidate?

• 1:24:06Speaker 04

  No.

• 1:24:07Speaker 03

  I did, but then I maxed the cards back out.

• 1:24:12Caleb Hammer?

  Oh, it's even higher. It's above the limit. It's at $4,800 now.

• 1:24:18Caleb Hammer?

  Did you know that?

• 1:24:19Speaker 04

  No.

• 1:24:19Caleb Hammer?

  What are you gonna do about this? Do you care? I mean, it's his fault. Don't get me wrong, but like, what are you gonna do?

• 1:24:24Speaker 04

  I mean, I care.

• 1:24:25Caleb Hammer?

  Probably a $300 payment now.

• 1:24:26Speaker 04

  I'm, I have no idea how to deal with all this.

• 1:24:29Caleb Hammer?

  No, but he's your partner. He's gonna do this forever. And if he doesn't get fucked, then.

• 1:24:33Speaker 04

  Yeah, I mean, I.

• 1:24:34Caleb Hammer?

  So this is your life forever.

• 1:24:37Speaker 04

  Yeah, no, I do not want that.

• 1:24:39Caleb Hammer?

  But it is.

• 1:24:40Speaker 04

  Yeah.

• 1:24:40Caleb Hammer?

  But in fact, it is.

• 1:24:42Speaker 04

  Hmm, I will move to Mexico.

• 1:24:46Caleb Hammer?

  Okay, well, congratulations. There's no consequences. You just go ahead and keep doing this. Doesn't even matter. Affirm for Volvi Play Seat Geek, geez, Walmart, Box Lunch, eBay, Royal Merchant, Beer Can Boards. Hollister, Easy Contact, American Eagle, King Body Jewelry. Who's this? This is actually not labeled.

• 1:25:12Speaker 04

  That's all his.

• 1:25:13Speaker 03

  Yeah, that was like clothes for the kids and shit.

• 1:25:17Caleb Hammer?

  All that's for the kids? All the games, all the everything?

• 1:25:19Speaker 04

  No.

• 1:25:22Caleb Hammer?

  $384.48.

• 1:25:27Caleb Hammer?

  Ah, you, dude, I don't even know what the deal with you. You need more hobbies on this boat. Did you just spend money on your board? I recognize this spending anywhere. This is boredom spending. Guessing it's $96.12 a month. This is boredom spending, dude. Finally, you, Capital One. Hey, you're purchasing on it. Nearly $600.

• 1:25:50Speaker 04

  Yes.

• 1:25:51Caleb Hammer?

  Why?

• 1:25:52Speaker 04

  Because I have no money left in the bank because he's spent it all.

• 1:25:56Caleb Hammer?

  Oh, we'll see when we get to the checking account. Let's confirm if that's true here in a bit. Uh, luckily, it's not maxed out. $25 a month. Interest is accruing, though.

• 1:26:07Caleb Hammer?

  Okay, but what are you doing at Walmart for $5.14? Like, you got groceries for 112, but what did you get for $5.14?

• 1:26:15Speaker 04

  Probably something I forgot. I do that a lot.

• 1:26:18Caleb Hammer?

  Oh, yeah, because then you did it the next day.

• 1:26:21Speaker 03

  Maybe cash back fee?

• 1:26:23Speaker 04

  No, it wouldn't be that much.

• 1:26:24Caleb Hammer?

  And five below Taco Bell, again, 16 at Walmart, Dollar General 12, Dairy Queen. Is that what you need to do? Need to do Dairy Queen, need to do Taco Bell, non discount? Yeah, but that's $5. What is that? Uh, cones? Some ice cream cones place, 30 bucks. Oh, jeez.

• 1:26:44Speaker 04

  Yeah.

• 1:26:45Caleb Hammer?

  Right? Like, what are we doing? You're saying.

• 1:26:46Speaker 03

  I don't see.

• 1:26:47Caleb Hammer?

  I don't have money to spend on my checking account, but a lot of it's bullshit still. And interest is accruing like crazy. I guess the affirm balance is even higher because you bought her a $500 birthday gift. That you said he buys you nothing.

• 1:26:59Speaker 04

  He, I guess he has something to make up for this year.

• 1:27:03Caleb Hammer?

  What'd you get her?

• 1:27:04Speaker 03

  She don't know yet.

• 1:27:06Speaker 04

  It's next month.

• 1:27:08Caleb Hammer?

  Her Discover card. I don't even have a statement. Hey, you're worse than him because at least he sends statements. Oh, it's closed.

• 1:27:15Speaker 04

  Yeah.

• 1:27:16Caleb Hammer?

  But it's not in collections?

• 1:27:17Speaker 04

  No, that one's been paid off.

• 1:27:21Caleb Hammer?

  Oh.

• 1:27:22Speaker 03

  I think she just.

• 1:27:23Speaker 04

  I think that was like a long time ago.

• 1:27:24Speaker 03

  Paid like a balance on it. It wasn't completely closed out.

• 1:27:29Caleb Hammer?

  Point of sale installment loan, affirm. Why don't I have your affirm? Again, I could see his affirm. Why can't I see yours?

• 1:27:34Speaker 04

  Um, well, I wasn't told to send it in with his stuff.

• 1:27:42Caleb Hammer?

  It's objectively a lie. We ask everyone to send in their statements. What are you talking about?

• 1:27:46Speaker 03

  It's up anymore. I think she has like 890 in a firm.

• 1:27:51Caleb Hammer?

  Oh, that's higher. Great.

• 1:27:52Speaker 04

  Yeah.

• 1:27:53Caleb Hammer?

  What are you getting?

• 1:27:55Speaker 04

  I got stuff for my cats.

• 1:27:59Speaker 03

  Cat tree, like coffee bar.

• 1:28:01Caleb Hammer?

  You all suck at life. $222.

• 1:28:06Caleb Hammer?

  Her, Klarna.

• 1:28:09Caleb Hammer?

  What the do I do with this? $160, $116.

• 1:28:12Speaker 04

  That was for his Christmas present last year.

• 1:28:16Caleb Hammer?

  Oh, and you still owe on it. You suck. Oh, we're back to him, the guy that can actually send statements. 12% loan. Um.

• 1:28:26Caleb Hammer?

  Okay, what did you borrow from him?

• 1:28:28Speaker 01

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• 1:28:57Caleb Hammer?

  Empower.

• 1:28:58Speaker 03

  That's a 401k. And then I pay it back because I'm just paying myself the interest.

• 1:29:05Caleb Hammer?

  Yeah, but you're still losing money because you're not getting market gains.

• 1:29:08Speaker 03

  No, they still, they, they take the full balance. Like, whenever I borrow from it, I still have the base amount. Because I'm paying it back, then I get the.

• 1:29:19Caleb Hammer?

  What are you talking about?

• 1:29:19Speaker 03

  Back on it. I'm not losing money by taking it out.

• 1:29:22Caleb Hammer?

  No, no, no, no, no, no. I'm not saying, I understand you're paying yourself back interest, but that money of which is tied up in the loan is not accruing in the market.

• 1:29:30Speaker 03

  I didn't know that. I thought it still was.

• 1:29:32Caleb Hammer?

  And guess what? If you did get fired from that job because she, you got arrested, it would have been called due.

• 1:29:38Speaker 03

  So one of those was, um, there's two.

• 1:29:42Caleb Hammer?

  And what was this for?

• 1:29:43Speaker 03

  Uh, down payment on the house.

• 1:29:46Caleb Hammer?

  Part of my 401k for a down payment on the house.

• 1:29:49Speaker 04

  Mm-hmm.

• 1:29:50Caleb Hammer?

  Okay, now for what it's worth, the interest that you're paying back to yourself, but you're having to pay it. So it's still your money, is that 12%, instead of actually just getting a free 12% from the market. So when you think you're paying it to yourself, it's still you just putting money in. So stop thinking it's like a return. It's a very weird perspective you people have on this.

• 1:30:08Speaker 03

  I would rather pay myself interest than some company, though.

• 1:30:11Caleb Hammer?

  Yeah, but I would rather you just get the interest for free instead of you having to put it in there. What? Plus, how about instead of borrowing for a down payment, you just save up money and get a down payment? It was $900.

• 1:30:24Speaker 03

  Okay, well, that's the second one, then.

• 1:30:26Caleb Hammer?

  Okay, your payoff quote for something. I don't even know. What the is this woman?

• 1:30:32Speaker 04

  Oh, for my Jeep.

• 1:30:33Caleb Hammer?

  Oh, great. Again, you can't send a statement because you are literally. $6,529.24. Smacking your lips isn't gonna help you get out of that. What is the payment on this?

• 1:30:45Speaker 04

  423.

• 1:30:47Caleb Hammer?

  What's the interest?

• 1:30:51Caleb Hammer?

  And that's why we would like a statement, you actual piece of shit incapable of

• 1:30:56Speaker 04

  I mean, I can find it.

• 1:30:58Caleb Hammer?

  Anything. Uh, what do you think it's worth?

• 1:31:00Speaker 03

  Two grand.

• 1:31:01Speaker 04

  Not that.

• 1:31:03Caleb Hammer?

  Two thousand five hundred. You're the Volkswagen, huh?

• 1:31:05Speaker 03

  Yeah.

• 1:31:06Caleb Hammer?

  Seventeen percent interest. Wouldn't be surprised if it was pretty close. Twelve thousand, eight hundred nine dollars with a minimum monthly payment of

• 1:31:15Speaker 03

  Three forty nine?

• 1:31:16Caleb Hammer?

  Three forty nine. These balances aren't the worst balances for car loans for your guys' income position. The interest rate is horrible and the terms are very long and this is worth six hundred dollars.

• 1:31:25Speaker 03

  Yeah.

• 1:31:26Caleb Hammer?

  Six hundred dollars.

• 1:31:27Speaker 03

  I was gonna trade it in.

• 1:31:29Caleb Hammer?

  Six hundred dollars.

• 1:31:30Speaker 03

  Thousand for it, but I didn't want to take out another bigger loan.

• 1:31:35Caleb Hammer?

  Give that.

• 1:31:35Speaker 03

  I didn't want negative equity like six grand.

• 1:31:38Caleb Hammer?

  Here's your other 401K. There you go. It's eight thousand, six hundred.

• 1:31:43Caleb Hammer?

  Okay. Checking accounts, what I'm most curious of, but here we go.

• 1:31:46Speaker 03

  That eight thousand was the balance in there. I don't think that's what I, that's not what I took out.

• 1:31:51Caleb Hammer?

  That's probably true. I don't know. Okay. I don't see it on that sheet. Okay. You got forty thousand dollars to student loans, don't you?

• 1:31:57Speaker 04

  Yeah.

• 1:31:58Caleb Hammer?

  For not even having an degree.

• 1:32:00Speaker 04

  I have a baby one, but yeah, gonna have a bachelor's.

• 1:32:03Speaker 03

  Associates?

• 1:32:03Speaker 04

  Yeah.

• 1:32:04Caleb Hammer?

  You suck, but that's deferred for now. Okay.

• 1:32:09Speaker 03

  You said it's forty thousand?

• 1:32:11Caleb Hammer?

  Oh, you betcha, buddy.

• 1:32:14Caleb Hammer?

  It'll be more. Hundred ninety two thousand, three hundred thirty dollars on this house. Interest rate six point two five. Yeah, that kind of makes sense. Minimum monthly payment, one thousand, five hundred nine dollars and seven cents.

• 1:32:26Caleb Hammer?

  Okay. I can figure out about that, but I don't like you borrowing to get the down payment. Now, a hundred forty nine in the checking account. This is what I wanted to get to and this is the journey account. So let's see where it's all going. Tell me who did what. Sonic, Sonic.

• 1:32:37Speaker 04

  Me.

• 1:32:38Caleb Hammer?

  Okay. So you're taking from the checking account for that bullshit. Burger King.

• 1:32:42Speaker 04

  Oh, the fast food is gonna be me.

• 1:32:44Caleb Hammer?

  Oh, what about Hobby Lobby? Would he go to Hobby Lobby?

• 1:32:47Speaker 04

  Doubtful.

• 1:32:47Caleb Hammer?

  Oh, that's interesting. Sonic Drive-In.

• 1:32:49Speaker 04

  Hmm.

• 1:32:51Caleb Hammer?

  Hmm. Liquidate Mobile Purchase. That's him.

• 1:32:54Speaker 04

  Yeah.

• 1:32:55Caleb Hammer?

  Okay. Bargain. Uh huh. TJ Maxx.

• 1:33:00Speaker 04

  Now, that could possibly be him.

• 1:33:03Caleb Hammer?

  Bullshit. Papa John's Brew Coffee Chat GPT. I saw he had JAPGPT, but those two going out to eat is yours. Taco Bell, Amazon, Sonic. Amazon could be him. Sonic is yours. Sonic. Sushi, you lucky brand. You Hot Topic may be him. My bullshit, lots of bullshit all throughout. Stopping in and getting low item purchases could be both of you. Sushi, definitely you. Burger King, definitely you. Pizza Hut, definitely you. See how this is going, woman?

• 1:33:29Speaker 04

  The fancy eating usually with me.

• 1:33:31Caleb Hammer?

  McDonald's Brew Coffee, bullshit, bullshit, bullshit. Taco Bell, Sonic. You said he spends all his money. I had to put it on the credit card because he spends all the money and drinks on the checking account.

• 1:33:39Speaker 04

  The only thing I spend on is food.

• 1:33:40Caleb Hammer?

  Yeah, and you spent hundreds of dollars.

• 1:33:43Speaker 04

  Yeah, well, I gotta eat.

• 1:33:43Speaker 03

  On groceries as well.

• 1:33:45Caleb Hammer?

  Cook, woman. You complain about your entire life.

• 1:33:48Speaker 04

  Expensive as hell, too.

• 1:33:49Caleb Hammer?

  Not as expensive, even close to his food.

• 1:33:51Speaker 03

  We drop like five hundred on groceries.

• 1:33:53Speaker 04

  So I mean, it's arguably.

• 1:33:55Caleb Hammer?

  No, it's not arguably. It's not even close. You spent hundreds of dollars, drained your checking account, and then you say you don't have enough money, so you have to put it on our credit card. You're coping your entire life to make bad decisions. You're pathetic. You're upsetting to be around. Okay, total income practically. Okay, seven thousand fifty. Good. That's our average. Let's get our minimum monthly debts. This is going to stack, let me tell you.

• 1:34:20Caleb Hammer?

  Three thousand, seven hundred thirty dollars. That's crazy. And seven cents. That's including with the mortgage. What's your utilities? Utilities, internet, gas, electric. Come on.

• 1:34:31Speaker 04

  Water is about thirty two a month. Electric's about one sixty a month. Um.

• 1:34:37Caleb Hammer?

  Internet, gas.

• 1:34:38Speaker 03

  Internet was one twenty. I dumped it down. Um.

• 1:34:41Caleb Hammer?

  Okay, gas.

• 1:34:42Speaker 03

  Seventy five. Gas, I don't know.

• 1:34:44Speaker 04

  We don't have gas in our house, but I have no idea what we're spending on.

• 1:34:46Caleb Hammer?

  Twelve, just, uh, just whatever. Phone bill, how much?

• 1:34:49Speaker 03

  Three ten, three twenty.

• 1:34:53Caleb Hammer?

  Listen, I would do helium for her. Maybe not for you because you're out on the water, but I would do helium for fifteen bucks a line. It's good in most places in the country.

• 1:34:59Speaker 03

  Paid off. I do the trade in.

• 1:35:00Caleb Hammer?

  You have to do that.

• 1:35:01Speaker 03

  Free.

• 1:35:01Caleb Hammer?

  And then do it. I will also get you a course career certification so you can get a job instead of this pretend homemaker. No, you're not bullshit. Shut up. You can get in tech and the trades and a lot of different things. People in the audience use it to get a six-figure job. And then I'll get you guys also set up with a chime, um, uh, chime card as well. It's really good. Lots of benefits signing up for our audience, but I'll get you it as well. So check that out. Uh, okay, gas. Vroom, vroom, drive, drive monthly. How much?

• 1:35:31Speaker 04

  Oh, that's what? We don't have any gas utilities, so I thought that's.

• 1:35:34Speaker 03

  Car.

• 1:35:35Speaker 04

  I know, but he put three twenty for the other gas. We don't have any gas.

• 1:35:39Speaker 03

  No, we didn't. He added.

• 1:35:41Caleb Hammer?

  Shut up.

• 1:35:42Speaker 04

  Well.

• 1:35:43Caleb Hammer?

  I do the budget because I know.

• 1:35:45Speaker 04

  Do a lot of drive.

• 1:35:46Caleb Hammer?

  So just answer the question.

• 1:35:47Speaker 04

  I am now. I said I don't.

• 1:35:49Caleb Hammer?

  How much gas do you purchase?

• 1:35:52Speaker 04

  No idea. I maybe put thirty dollars in a week.

• 1:35:55Caleb Hammer?

  Oh, my.

• 1:35:56Speaker 04

  Maybe?

• 1:35:57Caleb Hammer?

  Sucks, man. Okay, you?

• 1:35:59Speaker 03

  None. I'm on a boat.

• 1:36:01Caleb Hammer?

  But, but yeah, but not always.

• 1:36:02Speaker 03

  When I'm home, I just use the other car. I mean, I like, we only drive one car.

• 1:36:07Caleb Hammer?

  Get around it to one hundred seventy five.

• 1:36:09Speaker 03

  One twenty a month, probably it.

• 1:36:12Caleb Hammer?

  Okay, I'll do three hundred. Okay.

• 1:36:13Speaker 03

  When I come in off the boat, I gotta.

• 1:36:15Caleb Hammer?

  Car insurance.

• 1:36:16Speaker 03

  I don't pay gas.

• 1:36:17Caleb Hammer?

  Car insurance.

• 1:36:18Speaker 03

  Three hundred.

• 1:36:20Caleb Hammer?

  Necessary food, you and the kids, all that stuff, but you're kind of gone all the time. We should be able to do about eight hundred meal preps, meal plans, and you actually have to cook. And yes, and it's a lot of warming up more than anything because you prepare it a lot, but you have to do it while you're on a budget because your debt payments are way too high. TP, anything else for you and the kids that includes schools-wise, activities, all that good stuff. It's different stuff each month, but you should be able to do three hundred dollars a month. Medical, healthcare, copays, how much?

• 1:36:43Speaker 04

  I never go, but I think our copays are like.

• 1:36:46Caleb Hammer?

  Okay, if you don't go, then I don't have to budget it in, dude. Is there a gem?

• 1:36:50Speaker 03

  Hell no.

• 1:36:53Caleb Hammer?

  Okay. Okay.

• 1:36:57Caleb Hammer?

  Subscriptions, I'll do a hundred bucks. Pets, how many cats? How many dogs? What?

• 1:37:00Speaker 04

  One cat.

• 1:37:01Caleb Hammer?

  Fifty bucks pet insurance. How much for pet supplies monthly?

• 1:37:06Speaker 04

  I would say around a hundred.

• 1:37:08Caleb Hammer?

  Okay. Anything else that needs to be in this budget that I did not do?

• 1:37:13Speaker 04

  I don't think so.

• 1:37:15Speaker 03

  I would say subscriptions is probably more.

• 1:37:17Caleb Hammer?

  Except no, because you're cutting that is the point. This is sacrificing. Do you get that?

• 1:37:27Speaker 04

  No.

• 1:37:28Caleb Hammer?

  Huh?

• 1:37:29Speaker 04

  He doesn't get sacrificing. Yes.

• 1:37:32Caleb Hammer?

  Interesting. Okay, six thousand, three hundred, twelve dollars and seven cents a month. You're gonna take forever to pay off this debt because that is only a wiggle room of about seven hundred bucks. And of the debt being two hundred seventy, two thousand, eight hundred seventy dollars, but we are subtracting a hundred ninety two thousand, three hundred thirty dollars of mortgage. And we are subtracting forty thousand, four hundred one dollars of student loans, leaving you with forty thousand dollars of bad debt. That forty thousand dollars of bad debt with the seven hundred fifty left on a monthly basis. That's fifty three months. That is too much. Literally, you just go work double the time you're doing now and you guys pay off this debt in like a year, two years, two years. But right now, this takes four and a half, which is ridiculous.

• 1:38:12Speaker 03

  That's with our student loans?

• 1:38:14Caleb Hammer?

  Without.

• 1:38:14Speaker 03

  Without.

• 1:38:15Caleb Hammer?

  And without the mortgage. You need to go get a job. Use a course career certification. Stop with this bullshit business thing that is never gonna work where you are. Go work. Even what you're doing right now, double the hours, pay off this debt in two years, then get a fully funded emergency fund and then live fifty, thirty, twenty, fifty percent on needs, thirty percent on wants, which will be a good amount of money for your guys' income. And twenty percent and then, and then a twenty percent goes to investing because you guys need to dramatically catch up for your mid thirties. You guys are far behind. In fact, I'd do fifty percent on needs, twenty five percent on wants, twenty five percent on investing. Okay? Um, now here's the thing. We're gonna get, I, I gotta give the hammer financial score first, but the thing is, in the post show, there's something he did recently.

• 1:38:57Speaker 04

  What?

• 1:38:58Caleb Hammer?

  That he did behind your back that is gonna blow your mind. And I'm sorry. So just, yeah, we will go into it in the post show. Um, but let's get the hammer financial score first. Spending in your budget, you didn't overspend, but it didn't go any, you just broke even, but everything went to just bullshit, nothing to progress to debt, so one out of ten. Debt, there's collections, zero out of ten. Uh, by that close the count. And, um, emergency fund, nothing, zero out of ten. Retirement, you have a little bit, but you have a 401K loan to get it against that and very behind on retirement, so two out of ten in real estate. I don't know. What, what's the house worth?

• 1:39:31Speaker 03

  Two twenty.

• 1:39:32Caleb Hammer?

  Okay, so you barely, you wouldn't even break even. You'd have to write a check to sell it. Uh, so that's not great. Interest, uh, but you have a 401K loan against the down payment. Not the best. At least you're in the market, three out of ten. Hammer financial score, one out of ten. Get your updated score at CalebHammer.com for free. Now join us in the post show, plus an extra three premium shows every single day, six days a week. The best membership on YouTube for a reason with over a hundred thousand monthly active subscribers because it's incredible. It is the best on the platform. You can also download the Hammer Elite app and go to HammerElite.com. You'll see us in the post show.

• 1:40:03Speaker 04

  I mean, I would like for him to finally realize that it's a mess.

• 1:40:10Caleb Hammer?

  Yeah. Do you think he did?

• 1:40:11Speaker 04

  I think that he will probably try really well for a couple of months and that will be about it.

• 1:40:17Caleb Hammer?

  And then what are you gonna do after that?

• 1:40:19Speaker 04

  It's been a lot of times already. I am not gonna keep sticking around for this.

• 1:40:23Caleb Hammer?

  So you mean divorce?

• 1:40:26Caleb Hammer?

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