The Biggest Losers In Financial Audit History

*WE FULLY EXPOSE THE 10'S OF THOUSANDS HE IS SPENDING ON POKEMON CARDS* and the post-show goes off the rails... how can someone ruin their life for Pokémon cards like this?!??! Sh'es *furious* watch post show here: https://hamr.link/ytjoin *OR* download the brand new Hammer Elite App ➡ https://hammerelite.com/#join (discounted annual) 🏆 Dollarwise Referral Games is Live! Earn up to $15 per qualifying referral: https://go.dollarwise.com/joinrefytc 💻 Not a Dollarwise member. Lock in 56% off monthly before October 9: https://go.dollarwise.com/newstart1 ============================= *Caleb Hammer Financial Resources* ============================= 👉 *PERSONAL LOANS* Shop for the best personal loan for a new purchase, a consolidation, or something else → https://shorturl.at/c53Eg 👉 *DEBT RELIEF* Finally experience relief from your debt once and for all → https://shorturl.at/VbGPv 👉 *CREDIT BUILDER* Got crappy credit? Break free and finally build it for good → https://shorturl.at/zZf2P 👉 *AUTO LOANS* Get the best rates on an auto loan or refinance → https://shorturl.at/vNxQL 👉 *CAR INSURANCE* Find and compare much better AND cheaper car insurance for free → https://hamr.link/ytautolion ============================= 🔥 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* ============================= Don’t sleep on @ultrapouches. New customers get 15% Off with code HAMMER at https://takeultra.com! #UltraPouches #ad 👕 Update your wardrobe today with Quince: https://quince.com/caleb 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 👉 Checking & Savings: Get up to $350 and 3.75% APY on savings with Chime®: https://secure.moneymatchup.com/-caleb-chime-YT ============================= *Chapters* ============================= 00:00 Intro 01:47 Jobs & Income 04:40 sooo hes a loser loool 11:40 conveniently became a stay at home dad HAHAHA 16:40 buddy regrets settling down with kids that arent his... 27:00 grown man with an allowance LMAO 30:50 never mix relationship and business 33:20 this guy thinks so highly of himself its insane 38:09 shes too p*ssy to do anything 41:00 bros still living in the glory days (big ego for a little man) loool 57:40 look at all the groceries she bought!! 01:02:00 a LOAN SHARK??? 01:06:00 pathetic. old. loser. 01:16:15 oop she HAD NO IDEA. 01:29:08 bullsh*t bullsh*t bullsh*t 01:30:55 Budget!! ============================= Want more content? ============================= 🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips 🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel 🍿 Caleb Hammer Top Videos https://www.youtube.com/@CalebHammerTopVideos ============================= *Connect with me!* ============================= TikTok: https://www.tiktok.com/@calebhammercomposer X: https://x.com/sircalebhammer IG: https://www.instagram.com/calebhammercomposer/ Facebook: https://www.facebook.com/calebhammercomposer/ ============================= *Want to be a guest on Financial Audit?* ============================= 👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply *Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. Sponsorship and business inquiries: [email protected] Learn more about your ad choices. Visit megaphone.fm/adchoices

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

• 0:01Speaker 00

  This episode is brought to you by Google Chrome. You think you know a browser, but Gemini and Chrome, that's new. It can help you with practically anything on the web. Like restoring a vintage motorcycle from a 50-page restoration 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.

• 0:26Speaker 01

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• 0:45Caleb Hammer?

  To watch episodes of Financial Audit a week earlier, check us out on YouTube. That lie we caught him in that you didn't know about? Guess what? There's another one he lied to you about.

• 0:53Speaker 03

  Now I'm finding out more, so please do explain.

• 0:56Caleb Hammer?

  Told my wife I was gonna work out of town for a weekend and just stayed in a hotel alone for three days.

• 1:02Speaker 03

  What is that?

• 1:03Caleb Hammer?

  Do you feel like he resents you?

• 1:04Speaker 03

  Sometimes.

• 1:05Caleb Hammer?

  Do you guys have kids?

• 1:06Speaker 03

  Yes, we have two kids.

• 1:08Caleb Hammer?

  Then it's no longer a joke at that point, my guy. Dude, go put fries in the bag.

• 1:12Speaker 04

  I'm not gonna go work a nine to five when I know I've.

• 1:15Caleb Hammer?

  You refuse.

• 1:16Speaker 04

  I'm refusing only because I've, I've never needed to do that.

• 1:20Speaker 03

  If this is not what you want to do or where you want to be, then you can go.

• 1:25Caleb Hammer?

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• 1:57Caleb 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.

• 2:18Speaker 03

  Hi, I'm Shannon. I'm 36 years old.

• 2:20Speaker 04

  And I'm Tanner. I'm 38 years old and we're from St. Louis, Missouri.

• 2:24Speaker 03

  And this is Financial Audit.

• 2:26Caleb Hammer?

  Yes, it is. Thanks for coming down. Shannon, you're in front of me. Let's start with you. What do you do for a living in St. Louis, Missouri?

• 2:34Speaker 03

  I am a general manager in the hospitality industry.

• 2:37Caleb Hammer?

  Sure, we're talking a hotel.

• 2:40Speaker 03

  An attraction.

• 2:41Caleb Hammer?

  An attraction in St. Louis.

• 2:43Speaker 03

  Tourist attraction.

• 2:44Caleb Hammer?

  I don't know what's in St. Louis other than having a black man murder you.

• 2:49Speaker 03

  Very common.

• 2:52Speaker 03

  I'm kidding.

• 2:52Caleb Hammer?

  That's racist.

• 2:53Speaker 03

  Yes.

• 2:56Caleb Hammer?

  Yes, okay. Well, what do you get paid to be racist? So what's your?

• 3:00Speaker 03

  $78,000 a year.

• 3:02Caleb Hammer?

  That's a good, oh, that's a good amount of money to be racist. It's pretty good. Okay, so what is that breakdown per paycheck basis?

• 3:09Speaker 03

  Uh, after taxes, about $1,200.

• 3:12Caleb Hammer?

  Per?

• 3:12Speaker 03

  A week.

• 3:13Caleb Hammer?

  A week?

• 3:14Speaker 03

  A week, yes. I get paid weekly.

• 3:16Caleb Hammer?

  $1,200 times 52 divided by 12. It's gonna average us out to, why are you not mute? Do not disturb? One of you creatures? One of you creatures, what do I fill it in the table? $5,200 a month. First of all, I mean, in St. Louis, not a horribly extensive place because it's a metro in decline. You can do quite well on 5,200 just for the household. I mean, you guys are certainly probably above that metro's median household. But Tanner, what do you do? We're adding a second person to the household here.

• 3:48Speaker 04

  Yes, uh, well, I'm an entrepreneur.

• 3:51Caleb Hammer?

  Okay, me.

• 3:54Speaker 04

  Right now I'm running a security company.

• 3:56Caleb Hammer?

  Are you? Are you running a security company?

• 3:59Speaker 04

  I am.

• 3:59Caleb Hammer?

  And what security company are you running?

• 4:01Speaker 04

  So I run Ozark South. I do mainly things, lots of parties, certain bars, contract.

• 4:06Caleb Hammer?

  And by running a security company, do you mean you show up to parties?

• 4:10Speaker 04

  No, no, I, I actually, I'm really into making sure that my people are secure. I do executive security.

• 4:16Caleb Hammer?

  What people are secure?

• 4:17Speaker 04

  Uh, I don't know if I can.

• 4:17Caleb Hammer?

  The kids at a birthday party?

• 4:20Speaker 04

  It's typically 21.

• 4:21Caleb Hammer?

  Are you sure you're not showing up as a clown?

• 4:23Speaker 04

  Yes, no, this is, I take it pretty seriously.

• 4:26Speaker 03

  I'm mostly sure.

• 4:29Caleb Hammer?

  Okay, good. Well, I mean, that sounds really nice. So executive security?

• 4:33Speaker 04

  Uh, executive, some bands, um.

• 4:36Caleb Hammer?

  In St. Louis, Missouri?

• 4:37Speaker 04

  Yes, when they, when they travel to do some shows, I'll get contracted to kind of be their shadow and get a small team together. Yes.

• 4:45Caleb Hammer?

  You.

• 4:46Speaker 04

  And I'm short, I'm short.

• 4:47Caleb Hammer?

  It's not about that. It's you. It's not a company per se. When I'm thinking of like, you know, an organization with employees and stuff like that.

• 4:56Speaker 04

  No, it's, it's a small company. It's me and a couple 1099 guys, yeah.

• 5:00Caleb Hammer?

  Okay, so you have a couple contractors that go with you when you need it. Okay, I mean, security is good. I got security. We need security. Security is wonderful. I mean, before I even learn about the income, how do you feel about this? Just when I hear entrepreneur on this show, the amount of red flags going off in my brain.

• 5:17Speaker 03

  I get some of the same red flags, I'm not gonna lie.

• 5:21Caleb Hammer?

  Tell me.

• 5:21Speaker 03

  He's had a lot of business ideas, uh, not, uh.

• 5:26Caleb Hammer?

  Just isn't a bad thing.

• 5:27Speaker 03

  Having the ideas is one thing. It's the execution that's a whole nother thing. And seeing the fruits of labor is a different level.

• 5:34Caleb Hammer?

  Do you see the fruits?

• 5:36Speaker 03

  Not very often.

• 5:37Caleb Hammer?

  Right.

• 5:39Speaker 04

  There's been plenty of times where you've seen the fruits of that.

• 5:42Speaker 03

  Not very often, no.

• 5:44Speaker 04

  I'll disagree with that.

• 5:45Caleb Hammer?

  Okay, well, she gets a apple here and there over the course of decades. Is that really something for her to hold on to?

• 5:53Speaker 04

  Well, I mean, when, when I look at the amounts from the past, from certain times I may have sustained something, you know? I, I look at it and go, hey, I mean, I did sustain you during this portion of your life and, you know, I might be not getting the contracts that I want right now or things might not be as, as great as they should be, obviously, but.

• 6:15Speaker 03

  Sustaining for a month or two is different than years, though.

• 6:20Speaker 04

  I haven't just been a guy saying I have an idea and then I just don't do it.

• 6:24Caleb Hammer?

  Tell me about the pay with this.

• 6:26Speaker 04

  It definitely can vary, like the parties are, are poor. I mean, it does, it depends on what they.

• 6:31Caleb Hammer?

  The parties are poor?

• 6:32Speaker 04

  They're, I'm sorry, it's a poor pay. A lot of times, I mean, it's, I get 35.

• 6:36Caleb Hammer?

  Why are we doing them?

• 6:38Speaker 04

  Yeah, I, I get 35 an hour. The employees get 25, the people I contract typically like 700.

• 6:44Caleb Hammer?

  Sure, but what does this average out to on a monthly basis? Would he even know? Are you the one that's gonna have to tell me? I'm having a feeling.

• 6:49Speaker 03

  I'm not sure he would fully know what it averages out to.

• 6:53Caleb Hammer?

  What do you think it averages out to, guy?

• 6:56Speaker 04

  One contract right now.

• 6:58Caleb Hammer?

  No, no, no, no, no, no, no. I don't give a, okay, I don't give a single contract. I'm talking about on a monthly basis. What are you bringing home? Average, quarterly basis. Maybe it's easier to average that way.

• 7:08Speaker 04

  Maybe 1,000, 1,200, 1,200.

• 7:10Caleb Hammer?

  Okay, okay. I mean, 39, no, 38, it's a little like not incredible.

• 7:19Speaker 04

  Yeah.

• 7:21Caleb Hammer?

  Are you guys married?

• 7:22Speaker 04

  Yes.

• 7:22Speaker 03

  Yes.

• 7:23Caleb Hammer?

  How long have you been putting up with this man and his entrepreneurship?

• 7:29Speaker 03

  Eight years now.

• 7:33Caleb Hammer?

  So what are you guys doing? What, what's going on today?

• 7:39Speaker 03

  I'm a little over his entrepreneurship.

• 7:42Caleb Hammer?

  I don't blame you.

• 7:45Speaker 03

  It was fine when we first got married. We had agreed when we got married that he would spend five years building whatever he wanted to build.

• 7:54Caleb Hammer?

  Really?

• 7:55Speaker 03

  Whatever entrepreneurship field he wanted to take. At the time, it was filming and acting. And at the time, he was making a decent amount of money, $600, $1,200 a month, and he wanted to build on that.

• 8:06Caleb Hammer?

  That's a decent amount of money? Okay, sure.

• 8:08Speaker 03

  For the.

• 8:11Caleb Hammer?

  Yeah.

• 8:11Speaker 03

  The area we're in and the industry we're in.

• 8:13Caleb Hammer?

  Yeah, the acting scene in St. Louis.

• 8:14Speaker 04

  Hey, no, I, look, I will say, so I, I brought, I got a micro budget film. I brought in SAG after, I mean, I really.

• 8:21Caleb Hammer?

  Yeah, that sounds like nothing.

• 8:22Speaker 04

  It, I, yeah, micro budget's pretty small, but I mean, I buckled down. I got actors, I mean, I had Netflix guys.

• 8:29Caleb Hammer?

  Very good. You made a student film. I'm proud of you.

• 8:32Speaker 04

  That was better, no.

• 8:32Caleb Hammer?

  Get a job! Do you guys have kids?

• 8:35Speaker 04

  It was.

• 8:35Speaker 03

  Yes, we have two kids.

• 8:37Caleb Hammer?

  Then it's no longer a joke at that point, my guy. That's where you go get a job and provide for your damn family. You're lucky she makes money. Here's the thing, you said you, you allowed him five years.

• 8:49Speaker 03

  Yes.

• 8:50Caleb Hammer?

  That's incredible. Do you know how lucky you got? You know how many guys have a dream? You know how many guys go somewhere and you just catch them on a calculator doing their grand plan in their head? That's what guys do. No one ever gets to execute filmmaking and shit. Like, come on, like. Have a real dream, let's be honest. But in reality.

• 9:13Caleb Hammer?

  That's incredible that she gave you five years, five years. What was the agreement specifically? Was this an actual agreement or was this like a little, you know, like, nah, we're walking by and you just said it?

• 9:23Speaker 03

  No, it was an actual conversation, an actual agreement that we had before we got married.

• 9:27Caleb Hammer?

  How extensive was that agreement?

• 9:29Speaker 03

  That he would spend five years building his film, at the time, film business and acting career. And he was on the right track.

• 9:37Caleb Hammer?

  Couldn't it be a real business? Okay.

• 9:39Speaker 03

  By the time COVID hit, uh, we were about two years into this agreement and he was around, he was making around two grand. So he was stepping it up every month.

• 9:48Caleb Hammer?

  Sure.

• 9:49Speaker 03

  And then COVID hit. The independent film industry took a huge hit in that.

• 9:53Caleb Hammer?

  In St. Louis.

• 9:54Speaker 03

  In St. Louis, yes. Uh, and he had a few independent projects that he worked on then. They all kind of crashed and burned from, for one reason or another. Uh, and then after we kind of-

• 10:09Caleb Hammer?

  For one reason or another.

• 10:10Speaker 03

  Came out of everything. I told him, uh, hey, you can take another three years. I'll take the three years.

• 10:17Caleb Hammer?

  Three years in addition?

• 10:19Speaker 03

  Yes.

• 10:19Caleb Hammer?

  In addition?

• 10:20Speaker 03

  In addition to the five years.

• 10:22Caleb Hammer?

  So where does that leave us?

• 10:22Speaker 03

  Uh, here at this point, we're coming up-

• 10:25Caleb Hammer?

  Is it now? It's done? Six months from now?

• 10:27Speaker 03

  About six months from now. It's done.

• 10:29Caleb Hammer?

  And you're making $600 a month?

• 10:31Speaker 04

  Uh, some more than that at times. It's very variable.

• 10:34Caleb Hammer?

  Being a professional theater kid to being a security guard?

• 10:37Speaker 04

  No, no. So, so, okay.

• 10:38Speaker 03

  There was many business ideas in between that.

• 10:41Caleb Hammer?

  Oh, I'm sure.

• 10:42Speaker 04

  The kids and all that. Okay. So I don't ever say they're not my kids. They're biologically not my kids.

• 10:47Caleb Hammer?

  So you just said they're not your kids?

• 10:49Speaker 04

  No, I, I get that. But so when I look at that, you know, I stepped in at a time where, you know-

• 10:54Caleb Hammer?

  He just said they're less valuable to him. Like he doesn't need to, that's what he's saying right now.

• 10:58Speaker 04

  No, I don't mean that.

• 11:00Caleb Hammer?

  Why bring it up? Why say it? There's meaning behind it.

• 11:05Speaker 04

  The lifestyle that I was used to before meeting her, I guess.

• 11:08Caleb Hammer?

  Very good. You married someone with kids. You adopted the kids into your, you are the father.

• 11:13Speaker 04

  Yes.

• 11:13Caleb Hammer?

  And will, uh, or stepfather.

• 11:15Speaker 03

  Stepfather, yes.

• 11:17Caleb Hammer?

  So why are you having to note this?

• 11:21Speaker 04

  No, just to, when I came into the relationship, I mean, I never necessarily wanted kids after I met her though.

• 11:27Caleb Hammer?

  When you met her, did she have kids?

• 11:29Speaker 04

  She did. Yes.

• 11:32Caleb Hammer?

  So you kind of knew what you were getting into. You can't really play ignorance on this.

• 11:35Speaker 04

  I did. I did.

• 11:36Caleb Hammer?

  So what the fuck are you talking about?

• 11:37Speaker 03

  Part of that agreement, I think what he was trying to get at is part of that agreement is he would be like the stay at home dad while he's building up his business type of thing.

• 11:46Caleb Hammer?

  Stay at home dad for kids that you are very much clarifying immediately before 10 minutes into this conversation are not your kids?

• 11:52Speaker 04

  Oh, no, no. I, I raise them like they're my own. I never say that they're my stepkids or anything like that.

• 11:56Caleb Hammer?

  Except for before we are even 10 minutes into this conversation.

• 11:59Speaker 04

  Right.

• 12:00Caleb Hammer?

  Uh, it's very curious.

• 12:01Speaker 04

  It, just because like the lifestyle I lived before I met her all the way up to that point, I mean, it was, it was a lot different. I mean, it was night and day from where we are now. It was, I don't know how to explain it more. I was ready to just get out of that craziness maybe.

• 12:15Caleb Hammer?

  But I'm confused. How do we stay at home dad or five years of entrepreneurship? That is incredibly conflicting.

• 12:20Speaker 03

  His schedule was way more flexible than mine. So he took on the domestic duties and making sure they got to school.

• 12:27Caleb Hammer?

  Okay, but-

• 12:28Speaker 03

  They were fed, all that kind of stuff.

• 12:29Caleb Hammer?

  But that's not being an entrepreneur.

• 12:32Speaker 04

  No, I'd build a business from home. Um, you know, I was building scripts and all that.

• 12:36Caleb Hammer?

  Business. Which one?

• 12:37Speaker 04

  Uh, when I was working on the films, mainly films, I was doing casting calls.

• 12:42Caleb Hammer?

  Okay, you have to be somewhere worth it.

• 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 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.

• 13:10Caleb Hammer?

  Films being made, dude. Where there's talent, where there's demand, where there's anything.

• 13:14Speaker 04

  That's one of my biggest complaints too. I kind of feel-

• 13:16Caleb Hammer?

  Oh, is it?

• 13:16Speaker 04

  Yeah.

• 13:16Caleb Hammer?

  Hey, you had that choice asshole.

• 13:18Speaker 03

  He wants to move and right now my kids are still to where film is more prominent.

• 13:26Caleb Hammer?

  Atlanta, Toronto?

• 13:27Speaker 03

  Atlanta, New York, Austin. He wants to move somewhere where film is more prominent, acting is more prominent. I don't want to move because right now my kids are still-

• 13:37Caleb Hammer?

  Yeah. So you have like a realistic, actual thing. First of all, she makes good money. She actually has something going on. She has a career path. She's able to contribute. She's taking care of her kids. Your dream has always failed and you're at the end of the extended clock of your dream that she gave you. And you want to pick her up and her kids up and take her to somewhere you certainly can't afford? What the is that? That's some selfish behavior.

• 14:07Speaker 04

  Well, I don't know. With, with everything, you know, if, if you're not seeing really what, what's going on, what I'm doing, I mean, I-

• 14:13Caleb Hammer?

  Okay, then tell me.

• 14:14Speaker 04

  I, I do feel, I feel underappreciated for a lot of this stuff. I mean, I did step into this family, which, and I love them. I'll do anything for them. And no, I will. I'll, I'll do, I'll do any, I would die for these kids, really. I mean, I-

• 14:27Caleb Hammer?

  But it's this stepping into the family thing that you're bragging about.

• 14:30Speaker 04

  It was totally new to me. You know, I didn't, I've never had a family. I mean, I grew up without family.

• 14:36Caleb Hammer?

  No one does until you do.

• 14:37Speaker 04

  No, I mean, from 14, I didn't have family. I've been on my own since 14. I, I never really knew what family dynamic was. So it was a totally new thing.

• 14:46Caleb Hammer?

  Have you ever watched a TV show?

• 14:48Speaker 03

  I also made it known what you were getting into and I gave you many outs.

• 14:51Speaker 04

  You did, but as time went on, you know, I thought I'd have more time to focus on things. I was going to be that guy that traveled around. And hey, I'll do this and bring in money.

• 15:01Caleb Hammer?

  Stay at home dad that travels around.

• 15:02Speaker 04

  Well, no, I wasn't supposed to be the, the stay at home. And then we kind of, things happened. We, she had a babysitter, like a living babysitter before I came along. And she was taking advantage of her. I ended up throwing her out of the house, you know, for her. She didn't want confrontation. No, no, no.

• 15:18Speaker 03

  No.

• 15:18Speaker 04

  No. She, this, she was an idiot. I, she was just partying in her house when we'd be gone destroying stuff. Yeah, it was crazy.

• 15:25Speaker 03

  I was giving her a place to stay so she could move out of her parents' house and get on her own feet. And in exchange, she was babysitting for me.

• 15:32Speaker 04

  Rent free.

• 15:33Speaker 03

  And then she stopped.

• 15:35Caleb Hammer?

  Quarter life, no way this man did that. Okay. Or at least attempted. Then she said no and he kicked her out.

• 15:41Speaker 04

  No, no, I'm just, no.

• 15:43Speaker 03

  She was helping me out to an extent.

• 15:46Speaker 04

  And that's when that happened though. I threw her out. I said, look, I'll start taking the kids to school. I'll start doing this. In my mind, I guess it was going to be more of a temporary thing because at the time I was busy. I mean, I was 80 hours a week working on my film projects. I mean, I was still acting. I was coming to Austin. I was going to Atlanta. I worked on some pretty big projects, you know, with some companies. I mean, it was going great. But then-

• 16:07Speaker 03

  Until it wasn't.

• 16:08Speaker 04

  Until it wasn't. I just-

• 16:09Caleb Hammer?

  Cause what?

• 16:10Speaker 04

  Well, I just fell into this kind of stay at home dad. And then I, I started developing these feelings like, hey, this is my family. Maybe I need to do more of this.

• 16:20Caleb Hammer?

  Actually love your family?

• 16:21Speaker 04

  I did. I mean, it, you know, it, it took a while. I mean, it did.

• 16:25Caleb Hammer?

  Round of applause. What a hero.

• 16:26Speaker 03

  But at the same time, between all of that, I always told you, if you wanted or needed to travel for work, I would figure it out.

• 16:35Speaker 04

  You didn't.

• 16:35Speaker 03

  Because at the end of the day, they are my kids and I'm the one that has to figure it out.

• 16:39Speaker 04

  But then as soon as I did do things and I did step out and I had to be gone, it's like, oh, well, you're gone and I have to do this, this and this. And I'm working and I have the kids.

• 16:50Speaker 03

  I, I can't control how you feel about a situation. Just because I make a comment doesn't mean that's how I actually feel.

• 16:55Speaker 04

  You made the comment.

• 16:56Speaker 03

  But the comment wasn't based on feelings. It was based on logic and you took it as feeling, not me.

• 17:03Speaker 03

  You took it your own way and I can't control that.

• 17:06Speaker 04

  I mean, with that logic, yeah, I mean, I could, I could say the same thing, you know, you, you took it your own way. But the way that you said it to me, it made me feel more like, hey, you, you've got to be at home. You've got to take care of this. Who, I don't have anyone to take the kids to school. And I mean, I had that responsibility. So I, I'm not going to bail on you, you know, at, at that time. And I mean, my schedule was very flexible. So I could take time and say, well, you know, I don't have anything going on until tomorrow. So at least I can do this for the day.

• 17:35Speaker 03

  And you kept pushing off and kept pushing off and kept pushing off because you felt like you needed to fill a responsibility that wasn't actually yours.

• 17:46Caleb Hammer?

  Do you feel like he resents you?

• 17:48Speaker 03

  Sometimes.

• 17:49Caleb Hammer?

  Yeah, I'm getting that.

• 17:51Speaker 03

  Because he goes from living this bachelor life to where he could do whatever, whenever and how he wanted to do it, to taking on a full family unit without being eased into it.

• 18:00Caleb Hammer?

  What the [__] did he do it?

• 18:02Speaker 03

  I ask him that sometimes.

• 18:04Caleb Hammer?

  Yeah, if he's gonna hold resentment, if he's gonna hold on to it six years later, seven years later, whatever it is.

• 18:09Speaker 03

  Cause he does make comments that say, "Well, I can't because of this."

• 18:13Caleb Hammer?

  Tell me.

• 18:14Speaker 03

  I tell him, "I will figure it out. If we need to make an adjustment to our schedule, we can figure it out." That's where communication is key. Yeah, he takes something I say the wrong way. Obviously, there's an issue with communication on that end. Okay, let's talk about it. Let's fix it. But then we just keep circling around that same issue. And then he'll make other comments where it's like, "Well, I do all of this stuff for you guys and I don't get to do any of my stuff." And to me, that says, "I resent the situation I'm in because I can't do what I want to do."

• 18:46Caleb Hammer?

  How are you dealing with that today? This feeling of resentment that is endlessly in the house that holds back every kind of conversation you try to have.

• 18:55Speaker 03

  There's days where I handle it better than I don't. You know, I, I do get emotional towards it and I just, I tell him like, "If this is not what you want to do or where you want to be, then you can go."

• 19:06Caleb Hammer?

  How frequently does that happen?

• 19:07Speaker 03

  Uh, once or twice a year.

• 19:11Caleb Hammer?

  What boils to that moment? Maybe you shouldn't be this person with a family. What boils to it?

• 19:19Speaker 04

  I'm not gonna lie, I've had those thoughts sometimes. Um, just because, I mean, look, I'll be honest, I do, I love them more than anything. I do. No, I do. There's, no one's gonna stand on that. I mean, I-

• 19:32Caleb Hammer?

  Which is why you've had to specify that you're a stepfather and they're not your kids twice so far in this conversation, but go on.

• 19:39Speaker 04

  Well, I just, I do feel trapped sometimes and maybe that's my own fault.

• 19:45Caleb Hammer?

  In what way? How?

• 19:47Speaker 04

  Just, just because, kind of the dynamic she's used to, the way that she was raised, she got to be raised with this white picket fence family. And I'm not jealous of them. I love her family. It's great. But then I, I do wish, I'm like, I wish I could have grown up with that because maybe I would know how to control the situation more. You know, I'm not, I'm not the best equipped person for this situation. Sometimes I wonder, I'm like, what is she even seeing me? Like, she met me, I was this crazy, I did whatever I wanted, you know, whenever, however, it didn't matter. And, and I do get to a point where I, I feel a little trapped. It's like, well, I'm not just gonna leave them, you know? But I'm like, well, I can't do the stuff that I want to do anymore either. Where do I go?

• 20:29Speaker 04

  It's just, I just kind of clam up and box up at that certain point and just go, where, where do I go from here?

• 20:35Speaker 03

  But you can do what you want. You're an adult.

• 20:37Speaker 04

  You know, and maybe, maybe it's my own battles, but sometimes, well, we don't, we don't communicate. I've tried to communicate certain things like, "Hey, you know, I really want to do this." And you're like, "Whoa, is that such a good idea?" Or, you know, "Are you ready after that, that last project?" And, oh, you know, "Don't, don't let this happen because remember what happened with the last project." No, I'm not saying that. Look, you, you've supported my dreams and stuff. I will not deny that.

• 21:00Speaker 03

  I am gonna support your dreams, but I also need you to take a step back and think through these dreams before you start on them because you do get passionate and you do trust too quickly and you get involved in stuff without thinking through every step to make sure it's the right thing.

• 21:12Speaker 04

  But sure, but in my most successful days, it was just, "Hey, I just went for it and I always made it happen." You know, so that's one of those things. I'm like, that, that's who I used to be. Hey, make money appear, do it.

• 21:24Speaker 03

  But things have changed. The world has changed, so you can't do that anymore. You have to change with it. And you haven't. You're still doing the same thing over and over, hoping for success.

• 21:36Speaker 04

  Well, I, I mean, it's out there, you know? I mean, you've, you have seen, you know, they haven't seen the stuff I've done. I mean, I've, I've made things happen.

• 21:43Speaker 03

  Yes, I've seen the things you've done, but that hasn't happened in five years.

• 21:47Speaker 04

  That's true. I mean, it's, it's gotten slower over five years.

• 21:50Speaker 03

  I know what you're capable of. I've seen it, but it hasn't happened because what you're doing is no longer working and you're not willing to change it.

• 21:58Caleb Hammer?

  Not willing to change it?

• 22:00Speaker 03

  The, his methods. He's not willing to change the methods in which he does things.

• 22:07Caleb Hammer?

  You think that's true?

• 22:08Speaker 04

  I don't, I don't think that's true.

• 22:10Caleb Hammer?

  Why does she think that's true?

• 22:12Speaker 04

  That's what I'm, I'm trying to figure out right now.

• 22:14Caleb Hammer?

  You should know. You've had the conversations. Why do you think that's true?

• 22:18Speaker 04

  I guess because the way that I structure how I do a lot of these things, you know, I'm kind of, maybe I am stuck more in the mid 2000s to 2016 where things functioned a little bit different on trying to get, you know, projects together, especially in the entertainment world. Um, even in, in music. I mean, I do music, I do film and act. I've always been in that, you know, my whole life. So I guess, I'm not, I, I haven't caught up with the more modern world yet, I will say. It's, uh, it's tough in the world we live in now with AI with, you know, I mean, they don't, they don't use voiceover actors as much as they used to. They don't, they, they shoot commercials based on, you know, a text-based program instead of actually calling a crew in.

• 23:02Speaker 04

  I mean, that took a lot away from me. I'm trying to figure out how to adapt to that, but it's changing faster than-

• 23:07Speaker 03

  You're gonna do what you want to do. That's how you are.

• 23:11Speaker 04

  Well, I mean, what do you mean though, as far as?

• 23:15Speaker 03

  If you don't want to change the, the way you're doing things, you're not gonna change the way you're doing things. You're not going to adapt.

• 23:22Speaker 04

  Well, but I do want to adapt. I do. I'm just, I, I feel just trapped right now and I-

• 23:27Speaker 03

  But wanting and doing are two different things.

• 23:31Speaker 04

  Yeah, but I mean, you, you've seen me do. That's the problem, you know?

• 23:35Speaker 03

  I have seen you do. I've said that. I have seen you do. I've seen the results of you doing. But, once the world changed, you stopped changing with it and now it's not working and you're not willing to see that.

• 23:49Speaker 04

  Well, I mean, do you think maybe some of that reason could be for these certain, I guess, boundaries that you've set up?

• 23:56Speaker 03

  I haven't set boundaries. I, the only boundary I've given you is-

• 24:01Caleb Hammer?

  Well, boundaries that she's set up. Well, yeah, okay, go on.

• 24:02Speaker 03

  Is the eight years now to make something happen.

• 24:07Caleb Hammer?

  Which is incredibly reasonable, by the way, because it was five, then she gave you grace for COVID. Like, what the [__] is that? Like, come on. Well, wasn't we shut it down for like six months, pussy? Like, you have failed in an entrepreneur. You're not an entrepreneur. You're a failure. You're a mall cop. What are you talking about? Go get a job on a little scooter, riding around the mall. That's all you've done. You'll make more doing that. Quick question. How many pouches are you going through by lunch? Two, four, six? Do you lose count somewhere between your third coffee and the energy drink you swore was just for the drive? Here's what gets me. Healthy people meal prep. They hit the gym and they buy the fancy sleep tracker. But they pop something in every 30 minutes that has their heart doing a drum solo at midnight.

• 24:47Caleb Hammer?

  That's why lately I've been recommending people use Ultra pouches. Zero nicotine, zero caffeine. And yeah, your first thought is, "Cool, so what's in it? Lawn clippings?" Ultra worked with neuroscientists on these. They use nootropics and adaptogens. Infinity PX for smoother energy than caffeine, L-theanine for calm focus, and Alpha GPC for mental processing. Plus B6 and B12. You get one to two hours of focus and energy with no crash afterwards. I keep it in right by my desk and now every employee's desk. And when I get back to work, I sit down, just pop one in and I lock in. But there's no twitchy, paranoid feeling. Just clean focus whenever I need it.

• 25:28Caleb Hammer?

  You still get the pouch you like. You just skip feeling like garbage two hours later. They're backed by Dak Prescott, Joe Burrow, and over a hundred other pro football players. My favorite flavor is this one, Blue Raz, as it reminds me of that tangy blue Kool-Aid flavor that I loved as a kid. They've also got Cool Mint, Wintergreen, Tropical, and Watermelon. Ultra is the ultimate guilt-free pouch, delivering instant focus and mental clarity without nicotine or caffeine. New customers can use code HAMMER to get 15% off at takeultra.com. That's takeultra.com for 15% off with code HAMMER. After your purchase, they'll ask you where you heard about them, so please support our show and tell them that our show sent you.

• 26:10Caleb Hammer?

  I will literally pay you to help your friends save money. And that's [__] crazy. This is your one chance to make me your financial sugar daddy. So listen up. Now the Wise is now live on your phone and live on the web and the referral games are officially on. Already a customer? Open referrals, create your username, grab your link and start sharing. Earn up to $1,500 in rewards and 10 referrals unlock exclusive swag. Finish in the top five and you're guaranteed a trip to Austin to meet me, plus $500 towards your debts. Finish number one and you'll get all of that plus the $10,000 grand prize. Now remember, get 20% off the annual plan for $79.99. That is literally less than $7 a month.

• 26:52Caleb Hammer?

  The launch offer and referral games are only up for a limited time. After that, financial sugar daddy Caleb is gone. Click the link in the description below and get in the game. So what, what boundaries are you talking about that she did? She gave you the biggest grace card in the world. What boundary are you talking about?

• 27:08Speaker 04

  Well, she, she likes to control everything, you know, whether it's financially or, uh-

• 27:14Caleb Hammer?

  Well, you're a failure so far.

• 27:16Speaker 04

  But I was before, I mean, before I met her, I've, I've never been into debt. When I met her, she was the one in debt. I had zero in debt.

• 27:22Speaker 03

  I will say that's true.

• 27:23Speaker 04

  Yeah, I had, I've never had that.

• 27:25Caleb Hammer?

  Well, then why are you the one to manage the household finances? Are you managing the household finances? He suggests so.

• 27:30Speaker 03

  Yes, I am the one managing the household finances.

• 27:32Caleb Hammer?

  If you were the one in debt, he's the one that's never been in debt. Why the [__] are you managing it? What track record do you have?

• 27:38Speaker 03

  Well, I do have a control issue and that's because I did trust people in my past and it wrecked me financially.

• 27:45Caleb Hammer?

  This is your guy now. [__] your past. I don't care about your past. Go to therapy.

• 27:49Speaker 03

  I've had to follow bankruptcy because of other people in my past.

• 27:53Caleb Hammer?

  Cry, cry. Why are you putting the burden on him?

• 27:57Caleb Hammer?

  The burden of your past. That's not fair. Why tank this relationship? Because your other relationships sucked.

• 28:06Speaker 03

  Well, it's not that I control a whole relationship. It's I control the finances. So I don't end up in the I'm the one that handles everything.

• 28:13Caleb Hammer?

  Okay, how does he spend money at all?

• 28:15Speaker 03

  He has an allowance.

• 28:17Caleb Hammer?

  Oh, my, you pathetic bitch. Do you not stand up for yourself?

• 28:22Speaker 04

  Oh, I do. That's why.

• 28:24Caleb Hammer?

  Well, he hasn't done shit. You have an allowance. An allowance of thirty-eight. That's what she thinks?

• 28:31Speaker 04

  But she she gives an allowance.

• 28:33Caleb Hammer?

  Tell me.

• 28:34Speaker 04

  No, you know, I I do my side work and I mean, I I get my own stashes here and there. I'm not gonna give it all. I I I put towards the bills and once I put towards the bills, yeah, I put, you know, cash aside here and there that I know, hey, if I want to do something, I'd go do something.

• 28:51Caleb Hammer?

  So it's not an allowance?

• 28:53Speaker 03

  The allowance that I'm talking about is my paycheck covers all the household bills and I also put some away in savings. When he has his jobs, he can keep a certain percent of it and it depends on how much he makes is how much he gets to keep. So he can use that as his, what we call walking money. That way he can buy his drinks at the gas station, his nicotine, stuff like that. Because what was it last year or the year before? I took a look at how much he was spending spending at the gas station on nicotine and drinks and I'm like, I'm not supporting this habit anymore. We could be doing so much more with this money. I'm not, I'm not putting my hard earned money towards your habits any longer.

• 29:36Speaker 03

  So if you want this stuff, you have to pay for it, which means you need to work and make it happen.

• 29:41Caleb Hammer?

  Okay, it's not insanely unfair, especially if we're putting like the kids should be our top priority, right? And you don't really contribute to the house?

• 29:48Speaker 04

  I contribute.

• 29:49Caleb Hammer?

  How do you contribute?

• 29:50Speaker 04

  I mean, I give like, what is it, seventy-five percent of anything I bring in, I I do give to her. We have better months sometimes. I mean, we we can go back to what was it? Twenty twenty-two. I mean, it was me that if it wasn't for me, I brought in more than she would have been that year. I mean, I paid for everything in the household while she was off trying to run her dream. I fully supported that. I buckled down. I paid every single bill. And yeah, it was fine. I stepped up when I needed to. I went outside of the agreement and and did what I needed to a hundred percent. I mean, there's no way you can deny that.

• 30:25Speaker 03

  No, I can't deny that. But then I went back into the workforce and that stopped.

• 30:32Speaker 04

  Well, no, you went back into the workforce and I went back to doing the films and then I actually had that extremely successful film, which unfortunately got shut down. That was right around the the COVID time.

• 30:44Speaker 04

  They were trying to charge me forty thousand dollars for COVID officers, whatever that meant. And that was that was our entire budget. So, you know, it's a little bad. I mean, you were you were a part of that project. So you saw what happened with that.

• 30:57Speaker 03

  And again, that goes back to you can make things happen.

• 31:03Speaker 04

  And I have and want to continue to.

• 31:05Speaker 03

  You no longer are.

• 31:09Speaker 00

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• 31:34Caleb Hammer?

  I know. Listen, I hear you guys, but the thing is, in the end, you have to step up and be a father because you're a father regardless of how you call yourself and call them. You gotta. That's it. If you ever looped her into a business? You ever brought her with you on a journey in one of your endless journeys? Because you're certainly like pulling down the household, right? In terms of, despite what you say, you don't contribute. Has he ever looped you into anything?

• 32:00Speaker 03

  No, the only

• 32:04Speaker 03

  project business that I've been a part of was one of his film projects. I was I assisted with the food and schedule on that. And then on top of that, the only thing I've done outside of that is we did own a business together.

• 32:21Caleb Hammer?

  Isn't that what I just asked?

• 32:24Speaker 03

  Well, yeah, but not. It wasn't his idea.

• 32:26Caleb Hammer?

  Did you own a business?

• 32:28Speaker 03

  I owned a business.

• 32:29Caleb Hammer?

  And then he came into that? This came into it? Someone who fucked up every business he's ever had? Oh, great. Well, that's probably why you didn't tell me that's your job today. It's because he got involved. What was your business?

• 32:41Speaker 03

  Um, it started out as a restaurant and then we eventually that came that transformed into a coffee shop.

• 32:50Caleb Hammer?

  You had a whole restaurant and coffee shop?

• 32:52Speaker 03

  Yes.

• 32:53Caleb Hammer?

  What happened?

• 32:54Speaker 03

  So a friend of mine approached me in twenty nineteen about buying her restaurant.

• 32:59Caleb Hammer?

  Oh, that's a great time to buy a restaurant.

• 33:02Speaker 03

  Well, we we thought so. We thought so.

• 33:06Caleb Hammer?

  You wouldn't have known.

• 33:06Speaker 03

  Uh, and then, you know, a couple of months later, March of twenty twenty.

• 33:10Caleb Hammer?

  What did you buy the restaurant for?

• 33:12Speaker 03

  Uh, it was sixty or sixty-five thousand that we bought it for.

• 33:16Caleb Hammer?

  Okay.

• 33:16Speaker 03

  Uh, it was in a small town. Uh, it was.

• 33:20Caleb Hammer?

  That's like nothing.

• 33:21Speaker 03

  Yeah, it was only doing thirty-seven to forty-one hundred dollars a week, but it was enough to sustain us.

• 33:26Caleb Hammer?

  Not in office, right?

• 33:27Speaker 03

  Not profits, but salary. Like, I could have kept up with my salary.

• 33:32Caleb Hammer?

  Okay. You don't owe on it still?

• 33:34Speaker 03

  No.

• 33:35Caleb Hammer?

  Okay, then I don't really care.

• 33:39Caleb Hammer?

  So you're he didn't fuck it up?

• 33:41Speaker 04

  No, it was quite the opposite.

• 33:43Speaker 03

  I mean, we could have continued with it. Maybe I had it. I had to go back into the workforce February twenty twenty-two because our finances were not great between the business and our personal household.

• 33:57Caleb Hammer?

  Yeah, but is that on him that time?

• 34:00Speaker 04

  She's missing a step here.

• 34:01Speaker 03

  I can't say that was on him.

• 34:03Caleb Hammer?

  What step?

• 34:04Speaker 04

  No, okay. So, yeah, things were failing. It was during COVID. It was all getting fucked up. Okay. I I feel bad. I'm like, this is her dream. Look, I just, I was actually doing pretty successful at the time because I had to maintain all the household bills. I was I was out there. I was hustling every day, voiceovers, music, drumming, everything. The next thing I know is I'm a like a fry cook or making grilled cheese and taking orders at this restaurant. And this, you know, suburb of St. Louis. No, and it turned in from one day a week to two days a week to, oh, you basically managed this whole restaurant. I don't know anything about a restaurant. I don't know anything. I

• 34:40Caleb Hammer?

  Didn't you just brag that you were the business guy? You could have done anything?

• 34:43Speaker 04

  Behind the scene, like when it comes to, you know.

• 34:46Caleb Hammer?

  Not doing work? Okay.

• 34:47Speaker 04

  Making things happen. No, when it comes to, you know, get it together.

• 34:50Caleb Hammer?

  What the does that mean?

• 34:51Speaker 04

  Contracts, getting getting the ideas together.

• 34:54Caleb Hammer?

  Oh, the ideas.

• 34:55Speaker 05

  I'm an idea man. I thrive on enthusiasm. Don't take the wind out of my sails.

• 34:59Speaker 04

  Yeah, I I get them together, you know, I I've consulted with people. It's like, look, I can help other people do stuff. Maybe I haven't.

• 35:06Caleb Hammer?

  Do shit yourself. What do you mean? What are you talking about?

• 35:08Speaker 04

  Well.

• 35:08Caleb Hammer?

  You can't execute shit.

• 35:10Speaker 04

  Well, I did at her restaurant. I mean, you know, I'm working there like seven days a week.

• 35:14Caleb Hammer?

  Failed.

• 35:14Speaker 04

  Well, not because of me. I mean, I was just the cook there. I had no idea. She didn't want me messing around with the invoices, the employees, any of that stuff.

• 35:22Caleb Hammer?

  Why would you say it failed?

• 35:23Speaker 04

  Probably because we didn't get out of the first contract.

• 35:25Caleb Hammer?

  Why would you say it failed?

• 35:27Speaker 03

  Multiple reasons. The time that we bought it was not great because of COVID and towards the end there. Uh, yes, he was working there full time. I was not. And that's not his dream. That's not what he wanted to do. So he would close early on days or not open at all on days when we would say that we were open. Uh, so that affected our customer base as well.

• 35:52Speaker 04

  Well, that wasn't the first one, though. That was like when we were burnt out two years later. Yeah, that was. I'm still talking about the first one that I was roped into to to be a whatever I was doing there.

• 36:02Speaker 03

  Yeah, but at the end of all of it.

• 36:05Caleb Hammer?

  Going back, going back to where this started, the allowance thing. Why do you feel that's the best way to treat your husband?

• 36:15Speaker 03

  Because I don't feel like he is very responsible with money.

• 36:21Speaker 03

  Because when he does have money.

• 36:22Caleb Hammer?

  Debt.

• 36:23Speaker 03

  Yes, but I keep my debt under control and I don't buy unnecessary things.

• 36:30Caleb Hammer?

  How do you keep your debt under control? What do you mean?

• 36:32Speaker 03

  I pay on it.

• 36:33Caleb Hammer?

  Okay, a minimum payment when you still put money on it does not keep it under control. What are you talking about? Dude was never indebted his entire life.

• 36:40Speaker 04

  Lottery tickets, necessary things?

• 36:43Speaker 03

  Is buying stuff at T-Rex necessary?

• 36:47Caleb Hammer?

  I would rather at least get something that's not.

• 36:49Speaker 03

  Drinks at the gas station necessary?

• 36:51Caleb Hammer?

  No, of course not. But what's T-Rex?

• 36:55Speaker 03

  It's like a big bin store. You can, they buy stuff from Amazon.

• 37:00Caleb Hammer?

  Stuff and not lottery tickets.

• 37:02Speaker 04

  That's what I say.

• 37:02Speaker 03

  Buying stuff that sits in my garage because he's gonna sell it.

• 37:07Caleb Hammer?

  Do either. Let's be clear. But a lot of we're gambling while we have debt. What are the what are we doing? You have children. What are the ages of the kids? I didn't even get that.

• 37:14Speaker 03

  Twelve and fourteen.

• 37:15Caleb Hammer?

  Okay, see, then are you guys gonna have any more?

• 37:18Speaker 03

  No. We had thought about it at one point, but we decided.

• 37:22Caleb Hammer?

  Said no. I mean, you've basically, except you had an agreement of taking on another child when you got married.

• 37:28Speaker 03

  We did.

• 37:31Speaker 03

  And

• 37:32Caleb Hammer?

  And now you

• 37:32Speaker 03

  decided that it wasn't

• 37:33Caleb Hammer?

  You're giving him allowance like a child.

• 37:35Speaker 03

  Because I don't feel like he spends money responsibly.

• 37:38Caleb Hammer?

  Yes, but that makes sense. Why are you guys gonna have another one?

• 37:41Speaker 03

  Sits in our garage and does nothing.

• 37:43Caleb Hammer?

  Okay, so why didn't you guys have another kid?

• 37:45Speaker 04

  That was actually my, my main reason was I said, let's get financially set before we do that. But her whole thing was, well, I don't want to have a kid after thirty or was it like thirty two, maybe at the time?

• 37:56Speaker 03

  At the time or at first it was thirty and I'm like, okay, let's

• 37:59Speaker 04

  Wait, you're exact.

• 38:00Speaker 03

  Thirty two.

• 38:01Speaker 04

  Your, your exact words were it shouldn't, you shouldn't wait to get financially responsible for having a kid. That's not how it works.

• 38:08Speaker 03

  Be financially ready to have a kid. I will still, I'll stand ten toes down. You will never be financially ready to have a kid.

• 38:15Speaker 04

  Yeah, but house, two cars, all that. If we had all that and paid off, yeah, you can have a kid.

• 38:20Speaker 03

  Had a car.

• 38:21Speaker 04

  Yeah, had.

• 38:22Caleb Hammer?

  What happened?

• 38:23Speaker 04

  The coffee shop. That's what happened.

• 38:25Caleb Hammer?

  Took it all?

• 38:26Speaker 03

  We took, in order to open the coffee shop, we took out a loan on the equity of my house.

• 38:32Caleb Hammer?

  Oh.

• 38:33Speaker 03

  And we sold the house to pay back that loan.

• 38:35Caleb Hammer?

  Hmm, okay.

• 38:36Speaker 04

  Yeah.

• 38:36Caleb Hammer?

  So, I mean, you still lost something, even if you don't own it today.

• 38:40Speaker 04

  Yeah, I mean, it's worse than the loss. Yeah.

• 38:42Speaker 03

  Then we're, then we end up paying two thousand dollars a month in rent when the house payment was six hundred.

• 38:47Caleb Hammer?

  Clear resentment from him on not being able to live his dream and having to take care of the kids and all the good stuff. Do you feel like she has resentment over you with this coffee shop debacle and losing the house and the car and everything like that?

• 38:59Speaker 03

  We didn't lose the car.

• 39:00Caleb Hammer?

  Okay, the house. Well, much bigger.

• 39:02Speaker 04

  If she did have resentment, I, I would be pretty offended by that because I mean, I did do everything.

• 39:09Caleb Hammer?

  Saying, no, she doesn't.

• 39:10Speaker 04

  I, I don't think she does.

• 39:11Caleb Hammer?

  Do you?

• 39:12Speaker 03

  I don't have a resentment over that. Uh, people make stupid decisions. We made that stupid decision. We were lucky enough that we don't have to. On that one, yes.

• 39:23Caleb Hammer?

  Okay. Now, where do we stand today? Cause again, his agreement with you is coming to an end.

• 39:31Speaker 04

  Now we got six months.

• 39:34Caleb Hammer?

  So what now?

• 39:35Speaker 03

  More like four months.

• 39:36Caleb Hammer?

  So what now?

• 39:37Speaker 03

  He has four months to figure it out or he has to, he has to go work in a job that he hates.

• 39:42Caleb Hammer?

  What are you gonna do?

• 39:43Speaker 03

  What, what am I gonna do?

• 39:45Caleb Hammer?

  Like, he agreed to that, but what if he doesn't? Then what?

• 39:47Speaker 03

  Then that's gonna be a different conversation.

• 39:49Caleb Hammer?

  What does that conversation lead to?

• 39:51Speaker 03

  A conversation that we have not had.

• 39:53Caleb Hammer?

  This is a realistic thing to consider because guess what? This is his passion. This is what he's been doing since forever. In four months, there's a reasonable assumption that he might not go and get the job. What's that conversation?

• 40:05Speaker 03

  Conversation could have ultimatums in them.

• 40:09Caleb Hammer?

  Go on.

• 40:11Speaker 03

  They

• 40:11Caleb Hammer?

  This is an actual thing to think about because this is literally right around the corner.

• 40:15Speaker 03

  Uh, yes, it is. And if he chooses not to get a job, we're gonna have to have a real discussion about our future.

• 40:20Caleb Hammer?

  Yeah. Go on?

• 40:21Speaker 03

  Yeah, a real conversation.

• 40:23Caleb Hammer?

  Hey, let's have the discussion.

• 40:25Speaker 03

  Because I do eventually want to retire. I don't want to live in the rest of my life.

• 40:31Caleb Hammer?

  Uh huh.

• 40:31Speaker 03

  So if he's not gonna help me financially reach those goals, then we're gonna have to.

• 40:39Caleb Hammer?

  Oh, have a conversation?

• 40:40Speaker 03

  Have a conversation.

• 40:41Caleb Hammer?

  Conversation. Give some ultimatums. Let him know what's coming around the corner, woman.

• 40:46Speaker 03

  If, if you don't have something going on in four months, you're gonna have to get a job.

• 40:50Speaker 04

  McDonald's? What do you, I mean, what? I'm, I'm not gonna go get a job at McDonald's.

• 40:54Caleb Hammer?

  Job, then what?

• 40:55Speaker 03

  It doesn't matter what job that you get, but if you, it doesn't happen, then things will have to change in ways that you're not gonna like.

• 41:04Caleb Hammer?

  Well done, buddy.

• 41:05Speaker 04

  You're gonna leave me? You're gonna?

• 41:07Caleb Hammer?

  No, actually, she just, she literally just answered the question. She's never gonna do anything. You can do whatever you want. She'll roll over. She's a She doesn't give a shit.

• 41:15Speaker 03

  No, I care and I won't roll over because I have goals.

• 41:19Caleb Hammer?

  Minutes of me trying to get you to literally say what might happen in four months, reasonably might happen. If I didn't think there was a chance he wouldn't get a job, then we wouldn't even talk about it. But there's a good chance he is not gonna get a job. This is a reasonable thing to think about right the [__] now. Tell me. Tell him.

• 41:42Speaker 03

  If a job doesn't happen, then yes, I would have to move on.

• 41:48Speaker 03

  So because I have goals in life that I want to reach. And if you're not willing to help me meet those goals, then we're, we'll never be on the same page about anything.

• 41:59Speaker 04

  Well, you have to look to, uh, I've always, I've always made it work in my life. I've, I've never had the, the nine to five. I know. And I wanted to, you know, that's not a lazy thing. I've never just sat on the couch and be like, I'm not getting a job. I'm gonna play video games. I've never been that guy. And you know, I've never been that guy. I don't, when have you seen me sit around and play video games except for maybe once or when a new thing comes out for what? Two days or something out of six years? The thing is, I've, I've always sustained myself. I mean, I've, I've made large amounts of money, you know, before I met you and I know I'm not making it now.

• 42:32Speaker 03

  Yourself. You haven't sustained a family for more than a couple of months.

• 42:38Speaker 04

  Right.

• 42:39Speaker 03

  And that was the agreement. Figure out how to help me sustain us for years. So we can eventually retire and do what we want to do. Right now, you're not even doing what we need to do. You're doing what you want to do, not what we want to do, what you want to do.

• 42:57Speaker 04

  I've always done what I wanted to do.

• 42:58Speaker 03

  I know. And that's the problem. You've always done what you want to do. Who cares about the consequences or how it makes anybody else feel or?

• 43:06Speaker 04

  That's where the, okay, that's where that trap comes in because always doing what I want to do. I want to do things my way sometimes. And I really feel like though, if I do things my way that I always have done them since I've been literally fourteen, fifteen years old, that doesn't work for you either. Cause you know, oh, well, you'll be gone here, this or that or the other. I just, I feel like that I'm still trapped to where I, you say that I can do whatever I want, but at the end of the day, I, I

• 43:34Speaker 03

  Well, you, you do what you want to do already. You just won't put that attitude towards doing what you need to do to make things happen. So we can work together on a financial level.

• 43:47Speaker 04

  I mean, I made it happen before. I don't see why.

• 43:50Speaker 03

  Happen. So why haven't you made it happen in years now?

• 43:56Caleb Hammer?

  What's his track record with jobs when he gets jobs?

• 43:59Speaker 03

  Not great.

• 44:00Speaker 04

  It's not great.

• 44:01Speaker 03

  The few normal jobs that you've had.

• 44:05Speaker 04

  And it put me in the [__] hospital. I work and I made number one at the company in two months.

• 44:10Speaker 03

  And two months, he quit.

• 44:12Caleb Hammer?

  Okay, well, go get another job. That's not time shares.

• 44:15Speaker 04

  That's all that.

• 44:16Speaker 03

  He was in sales and I, yes, I've always told him.

• 44:18Caleb Hammer?

  Put him in the hospital?

• 44:19Speaker 03

  He could do great at sales and in the town that we are in.

• 44:23Caleb Hammer?

  He's able to convince himself that he's an entrepreneur. You can convince anyone into anything.

• 44:27Speaker 03

  Exactly. He can convince anything into anybody into anything. He can make money when he wants to make money. So I've always told him he'd be a great salesman, go into sales. He chose timeshare sales. I've been involved in timeshare. I told him he would absolutely hate it because it's very deceptive. Guess what? I was right. He lasted all of two months and then he was over it. And yes, he ended up in the hospital with a medical condition from the stress of it all.

• 44:54Caleb Hammer?

  Okay, dude, go put fries in the bag. Do that. Just contribute. But in four months, what are you gonna do? It comes down to it. Are you seriously just not willing to just go get a [__] job? We're in an office.

• 45:08Speaker 04

  I, I make more though.

• 45:09Caleb Hammer?

  Cold calls. Like, you don't have to sell time shares. There's other opportunities.

• 45:14Speaker 04

  There is, but I mean, looking at, you know, okay, the fries in the bag thing. I mean, I, I do make more with my contracts than that. I mean, I

• 45:22Caleb Hammer?

  Six hundred dollars average a month.

• 45:24Speaker 04

  Well, that's, that's just off of the security. I mean, I, I play drums for different places as well.

• 45:28Caleb Hammer?

  Okay, what does he bring in total average on a monthly basis? Manager of the house?

• 45:32Speaker 03

  On the high end, I'd say eight to nine hundred dollars a month.

• 45:35Speaker 04

  I'm not, twelve to fifteen.

• 45:37Caleb Hammer?

  Twelve to fifteen is pathetic too. Put the fries in the bag.

• 45:39Speaker 04

  She told me now, in our whole deal, she told me that all I need to do, she set the bar. She said, all I need from you, like five hundred, if you only bring in five hundred a month, we'll be perfect. That's her work.

• 45:50Speaker 03

  For that down payment on the house, not for bills.

• 45:53Speaker 04

  That if you only, all you have to do is work on your jobs, do whatever you want. If it takes you ten years to build up your major film, if you can just bring home five hundred a month, we'll be fine. That's her work.

• 46:05Speaker 03

  That was, no, that was not the agreement. That was not the, the contract started out at five years. I gave you a three. No, we call it the contract. But no, it was a verbal agreement and it started off with five years. I extended it three years because yes, you let for two and a half years, you let me do my dream.

• 46:23Caleb Hammer?

  What is his minimum five hundred dollars a month? If he brings in five hundred thousand?

• 46:26Speaker 03

  No, we could put it into savings, not contribute towards bills or anything.

• 46:31Caleb Hammer?

  Where's the disagreement here?

• 46:32Speaker 03

  The disagreement comes from, he doesn't actually do it on a consistent basis. Yeah, it may be five hundred dollars one month or a thousand dollars another, but then there's been plenty of, not, plenty of months where it's just

• 46:44Speaker 04

  Definitely doing that.

• 46:45Speaker 03

  Enough for him to have his allowance or his walk in money.

• 46:47Caleb Hammer?

  What's his allowance?

• 46:49Speaker 03

  It depends on how much he makes. Like if he goes, makes a hundred dollars, uh, that night on a security job, he'll give me fifty to seventy five of it.

• 46:58Speaker 04

  Yeah, look, at the end of the day, I'm, I'm not going into fast food. I don't mean it like that. We need our fast food workers. But I, you know, I've worked hard and not going into debt to pay for a degree, which has done nothing for me, but at the end of the day, I mean, this security company, I've built it up. I'm trusted by the local, by, I mean, by our whole county. You know, I'm the one that they call in for search and rescue. I'm the one that they call in when they need a drone guy. So I'm not just a [__] mall cop, you know?

• 47:22Speaker 03

  You do that for free. Yeah, it's helping, but.

• 47:25Speaker 04

  Well, you know, I, I get to write it off.

• 47:27Speaker 03

  Turned it into a paying gig, consistent paying gig.

• 47:30Speaker 04

  I did have a, a really good weekly contract. Yes, that their restaurant shut or their whole club shut down. That was a major hit. I mean, things were more, it was, it was like twelve hundred to fifteen hundred, just on that one a month. And then with the extra ones.

• 47:44Speaker 03

  And then it was gone.

• 47:45Speaker 04

  Uh, well, then I, you know, I had the drumming job with the, with the church. I mean, that was what?

• 47:49Speaker 03

  Again, that's all you had with drumming. Now, now it's gone.

• 47:52Speaker 04

  Yeah, now all that is gone. So.

• 47:54Speaker 03

  Once you got one contract, you, it, it's like you just stopped looking for other ways to fill it in.

• 48:00Speaker 04

  I mean, it's just that at the end of the day with the way, do I need to buckle down? Yes, I will agree with that. I absolutely do. I've absolutely slacked off. I, there's not denying that. But I'm not gonna go work a nine to five when I know I've.

• 48:13Caleb Hammer?

  You're not, you refuse.

• 48:14Speaker 04

  I, I'm refusing only because what I've made in my life, I've, I've never needed to do that. I mean, I've made, I've, I've made a lot and then I'm not doing it now. I understand that. I understand how that looks. Well, you're not [__] making it now. And I, I want to get that back though, more than anything. I want to, I want to prove to her, to everyone, hey, I'm gonna get that back. I don't know what's happened with me in that time. It's kind of my cross to bear right now, but I'm, I'm gonna bring that back. And I mean, I, what, what did I tell you? I've said, hey, every time I've told you, don't worry about something. I mean, and you worried, well, I was right and ended up being okay, right?

• 48:53Speaker 03

  For things that you've wanted?

• 48:55Speaker 04

  Well, no, I mean, for things you wanted to like, hey, we need to go, we, I need a vacation before I die. We don't have the money. You know what? My wife and the kids, they need a vacation. I could give a shit if I go on a vacation, but you know what? Let's make it happen. Hustle, hustle, hustle.

• 49:09Speaker 03

  Yes, again, with things you've wanted. Yeah. Has it, have I benefited from it? Yes, I have. The vacation to Colorado and uh, stuff like that, but we both want a house.

• 49:24Speaker 04

  Right?

• 49:25Speaker 03

  Been saving for a down payment for a year now.

• 49:27Speaker 04

  I'm content where we're at now. I mean, it has a yard and.

• 49:31Speaker 03

  I'm not content.

• 49:33Speaker 04

  It's a great place. It's a great place.

• 49:35Caleb Hammer?

  Okay. Here's something I hate seeing people do, buying crappy clothes that they have to replace all the time. Let's say you buy a $12 t-shirt, buy wash number four, it shrunk piled and the collar looks like a lasagna noodle. So you buy another one, then another, and by Christmas you've spent 60 bucks on shirts you wouldn't wear on a midnight 7-Eleven run. That's the cheap shirt tax. You keep paying for the same shirt over and over. And this is why I like Quince. Their whole thing is fewer, better pieces. Everyday staples that work harder like their ultra soft organic cotton tees and premium Mongolian cashmere sweaters. They go from a casual workday to dinner out without looking homeless. And if you're still hanging on to worn out basics, Quince makes it easy to upgrade.

• 50:19Caleb Hammer?

  Premium denim and tailored chinos from just $60 with the fit, structure, and high quality fabrics you'd expect from a luxury designer brand. And here's the best part, everything at Quince is priced 50 to 80% less than similar brands. They work directly with ethical factories and cut out the middlemen. So you're paying for high quality instead of brand markup. And me, I live in their t-shirts. I've worn them during filming, on dates, and even to big events. After all that, it still looks brand new. Honestly, what got me was how well it holds up after tons of washes, so I don't have to constantly replace it. And it's not just clothing. Quince has become my favorite go-to for everything from hotel quality bedding and bath essentials to premium cookware and travel must haves.

• 51:03Caleb Hammer?

  Upgrade your everyday. Download the Quince app for app exclusive offers or go to quince.com slash Caleb, get free shipping on your order and 365 day returns. Now available in Canada and the UK too. That is Q U I N C E dot com slash Caleb. 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.

• 51:40Caleb Hammer?

  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. What possible future is there if we're being honest? If you guys don't even agree on the basics, let's just be real. You're figuring about very important things, but very basic things. About being satisfied where you are, what you want to do for a career, your goals, what you need him to do. Even just something as simple as you want to move to where the industries are, and she has her kids in high school, middle school, middle school and soon to be high school.

• 52:23Speaker 03

  I have one in high school.

• 52:24Caleb Hammer?

  There you go. And she has her career there and it's a good career.

• 52:27Speaker 04

  It is.

• 52:28Caleb Hammer?

  Like what the guys, what future is there possibly? That's what concerns me. Where do you feel like? You guys deviated? When in your relationship did it just split? Cause clearly you guys are not aligned. And we shouldn't really get married with someone we're not aligned with. So it must've come post marriage, I want to assume. You guys aren't.

• 52:51Caleb Hammer?

  I mean, answering some questions, kind of, but like.

• 52:54Speaker 04

  The coffee shop?

• 52:55Speaker 03

  Yeah.

• 52:56Caleb Hammer?

  So that was the start of the mess.

• 52:58Speaker 04

  Yeah.

• 52:59Speaker 03

  And that was three and a half years in?

• 53:02Caleb Hammer?

  Did the allowance start after the coffee shop?

• 53:05Speaker 03

  Yes.

• 53:06Caleb Hammer?

  See, if it wasn't his fault, why hold him to an allowance like a child?

• 53:11Speaker 03

  Because he started spending outrageous amounts.

• 53:14Caleb Hammer?

  Only after the coffee shop?

• 53:15Speaker 03

  Yes, because he, he was giving himself his own allowance at the time, before the coffee shop to spend on gas station runs and whatever else he wanted. I wasn't seeing that until he no longer had his own income.

• 53:32Caleb Hammer?

  And you just went along with it. You didn't have a pushback.

• 53:35Speaker 04

  I, you know, I.

• 53:36Caleb Hammer?

  If you're good with it, then be good with it.

• 53:39Speaker 04

  You know, I.

• 53:40Caleb Hammer?

  But you said you're not. You said earlier you weren't, dude.

• 53:43Speaker 04

  To an extent, I was good with it. I'm not, I'm not anymore. I guess I'm, I'm not anymore, but again, I got to this point to where I just, I feel stuck. I don't know. I just don't know.

• 53:53Caleb Hammer?

  What the fuck do you mean? You got, you can't say I feel stuck with four months left of what you agreed on and she gave you years of grace. So the reality is, here's the thing.

• 54:03Caleb Hammer?

  Maybe you would be right to push back on the allowance if you actually contributed to the household, but the thing is you're always chasing the next big idea. They all fail. No shit. She resents you for that. No shit. She doesn't trust you for that. Show some actual responsibility. Show that you're able to contribute. Show that you're on a path of responsibility of being an adult. Maybe she wouldn't have to treat you like a child. Guys, what do you think your financial score is zero to 10, zero being the worst, 10 being the best?

• 54:27Speaker 03

  Together?

• 54:29Speaker 04

  Together or separately?

• 54:30Caleb Hammer?

  Household, guys, you guys are a married couple with kids. Come on.

• 54:35Speaker 04

  Four.

• 54:36Caleb Hammer?

  What is wrong? Maybe you are. If you want to figure out where you are in the world of finances, take the Hammer Financial Score Assessment at CalebHammer.com. It is free and it only takes a few minutes and you see in detail in each important category where you stay.

• 54:50Speaker 01

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• 55:17Caleb Hammer?

  And so check that out, CalebHammer.com. And if you don't want to be like a guest who ends up on the show, make sure you download the Dollar Wise Budgeting app. Take a free trial. So if you like it, most people do, and they end up taking the annual version because it saves nearly 50% on your money. Plus you get the physical version of my detailed 30 day meal plan, signed by me, mailed directly to you, and you get the digital version of the cookbook as well. So check that out.

• 55:47Caleb Hammer?

  One read that I do kind of have here is that, especially as we're going into this, and this first credit card is hers, but the goals of the house and everything, she says her goals. But her goals are for the household, for you guys as a couple, for the kids, for retirement, for everything like that, where your goals are me, me, me, me, me, me, me.

• 56:09Speaker 04

  I wouldn't say that.

• 56:09Caleb Hammer?

  You being successful in this, this, this, this, this. Where her goals are for y'all, your goals are for you.

• 56:16Speaker 04

  For me, in a way that I, I want to make what I'm doing successful. Yes. But at the end of the day.

• 56:20Caleb Hammer?

  No, you want to be successful in what you want to do. You could be successful in a lot of things that contribute to the household, but you only want to put in the work of what you want to do.

• 56:29Speaker 04

  I'll agree to that part, but.

• 56:31Caleb Hammer?

  Selfish. Be a man, be a father, be a partner, contribute, step up, get a job, get qualifications, contribute.

• 56:44Caleb Hammer?

  You'll do anything, right? To pay for the house. You went into hospitality. No, you owned your business.

• 56:49Speaker 03

  Because I have kids that need to be taken care of.

• 56:50Caleb Hammer?

  Exactly. I could see you going all the way to assistant manager at McDonald's if you worked hard enough. Higher than that? I don't know.

• 56:59Speaker 04

  Nah, that's, I mean, that's just, I.

• 57:01Caleb Hammer?

  I'm with you, but you could get another job. It doesn't have to be in acting.

• 57:05Speaker 03

  He could do a lot.

• 57:07Caleb Hammer?

  I don't know. He's not very smart at business. He's literally never been successful once in his life.

• 57:13Speaker 04

  No.

• 57:14Caleb Hammer?

  You made a student film.

• 57:16Speaker 04

  No, no, I, no. It was a, look, it was a lot more than that. I mean, no one's ever had sag after in our area. I brought, I'm, I'm the one that helped with the Missouri tax incentives to come in. I mean, that was, I was like the front runner on that. It's doing great for everyone else, apparently. It didn't do well for me. Uh, no, I, I got some, some returns on that from the losses on the film, I mean.

• 57:37Caleb Hammer?

  Enough to actually contribute for the household on a sustainable basis? No. One time thing. One time thing here, and it wasn't even a big thing to be able to stretch out over months.

• 57:47Speaker 04

  Yeah.

• 57:47Caleb Hammer?

  So I got a USAA card from you. What's going on?

• 57:51Speaker 03

  That card was open recently and.

• 57:54Caleb Hammer?

  This is recent?

• 57:55Speaker 03

  Yeah.

• 57:56Caleb Hammer?

  Okay. So, who knows, reverse card. Maybe he should be the one managing the finances. He can't run a business, but he wouldn't go, he wouldn't open a credit card. You make good money. Even if he doesn't contribute, you do okay for the household in the area. Why the are you opening this recently asshole?

• 58:13Speaker 03

  I need something to help build my credit.

• 58:15Caleb Hammer?

  Okay. Well, you're certainly the dude because now you have a max out damn credit card. Like what the are we doing here?

• 58:23Speaker 03

  I mainly use it.

• 58:24Caleb Hammer?

  Interest is accruing. That's not a, I'm just building my credit. That's not an, I'm just building my credit. You don't interest accrue on an, I'm just building my credit, credit card.

• 58:32Speaker 03

  I mainly use that for groceries.

• 58:34Caleb Hammer?

  Congratulations. You don't pay it all the way off and interest is accruing. So go fuck yourself. You put immediately on it what you, no, you put more on it than you put your payment. While interest is accruing, I don't care if it's for groceries. I don't care if it's for getting dick down. It's nothing, it doesn't matter. You're fucking it up.

• 58:53Caleb Hammer?

  So what does that have to do with anything? Congratulations. You use it for groceries. You want a stamp? You want an award? You want a sticker? You want a trophy?

• 59:00Speaker 03

  Can I have one?

• 59:01Caleb Hammer?

  No, you're fucking up the entire house. You say you have retirement goals. This pushes you further and further away from your retirement goals. Make this make sense. What's your logic here? When did you open this? You said recently.

• 59:13Speaker 03

  Um, I believe it is May.

• 59:17Speaker 03

  Yeah, it was that recent.

• 59:18Caleb Hammer?

  It's all groceries.

• 59:20Speaker 03

  Yeah, well.

• 59:21Caleb Hammer?

  You're spending a thousand nine hundred eighty-four dollars a month.

• 59:23Speaker 03

  Balances to that one.

• 59:24Caleb Hammer?

  Congratulations, you're spending was a thousand nine hundred eighty-four dollars. You spend that much on groceries for a house with four?

• 59:29Speaker 03

  No, there's other things.

• 59:30Caleb Hammer?

  Being bad mother. You said you used it on groceries.

• 59:33Speaker 03

  I used it on groceries. I used it on stuff.

• 59:35Caleb Hammer?

  Years to pay off. You definitely won't be retired by there. So let's see all the groceries. By the way, as you can see, top down cam, it's all bullshit. Uh, bullshit, bullshit. Maybe groceries, definitely bullshit. Some kind of restaurant there. Probably bullshit, maybe groceries. Wingstop, Wingstop. Is that groceries? Wingstop groceries? Was that groceries? That's interesting. Is that what you get your milk from?

• 59:56Speaker 04

  I didn't eat at Wingstop.

• 59:58Speaker 03

  No, that was when I had to take to the doctor. I use that card to get a lunch. That's what she wanted to eat.

• 1:00:05Caleb Hammer?

  She can off and eat the hospital food. She can get the Jell-O. She can go home. You got Wingstop at home. It's called Tyson. Fuck you chicken strips.

• 1:00:14Speaker 04

  That's I always say that too. I'm always like, hey, why are you guys stopping and getting that? Just like they have shit there.

• 1:00:19Caleb Hammer?

  So you push back on this?

• 1:00:20Speaker 04

  I do.

• 1:00:21Caleb Hammer?

  How does that conversation go?

• 1:00:22Speaker 04

  I don't eat fast food.

• 1:00:22Caleb Hammer?

  What does that? Why is he the one getting the allowance that makes no? How does that conversation go? Tell me.

• 1:00:27Speaker 04

  We're gonna stop and get Wingstop. That's like sixty bucks for the two of you. Well, yeah, but it's just the easiest thing and our kid wants it. Okay, but we have food at home and there's food at the place you were just at.

• 1:00:39Speaker 03

  But she was hungry.

• 1:00:41Speaker 04

  Yeah, well, but she was hungry.

• 1:00:42Speaker 03

  I'm not gonna let my kid go hungry.

• 1:00:43Speaker 04

  That's it. Do you want anything? No, I'll eat the food. That's at the in the refrigerator. That's, I mean, that's what I say. I'm just like, well, do what you're gonna do. And I'm gonna do what I'm gonna do.

• 1:00:52Caleb Hammer?

  You're gonna do, so you're passive about it.

• 1:00:54Speaker 04

  I am.

• 1:00:54Caleb Hammer?

  So you're not gonna hold her accountable. You're not gonna do anything. So you don't care?

• 1:00:59Speaker 04

  No, I I care, but then I look at it's like, we make it work.

• 1:01:05Caleb Hammer?

  Do we? Look, you guys are here. It's not working. No, you don't. Objectively, no, you wouldn't be here. You can't say you make it work.

• 1:01:14Caleb Hammer?

  Why the are you spending money going out to eat constantly and getting bullshit every other day at a minimum? Putting money on a credit card that you cannot pay off, that you spend more money on than you put towards it, that is accruing interest and takes eighteen years to pay off. Why are you doing that when you said your big focus is retirement? You have goals? Goals? What goals do you have? Goals? Are these go to your goals? Goals?

• 1:01:37Speaker 03

  Yeah, I have goals. I wanna buy a house and I I eventually wanna retire.

• 1:01:41Caleb Hammer?

  Credit card?

• 1:01:42Speaker 03

  But it's sometimes more convenient to go out to eat.

• 1:01:48Caleb Hammer?

  Sure, there's convenience and then there's owning a house. Which one do you want?

• 1:01:51Speaker 03

  Both.

• 1:01:53Caleb Hammer?

  Congratulations, that's not gonna happen. So choose. You like convenience. You like it more than buying a house. You like it more than retirement.

• 1:01:58Speaker 03

  I know, I like it more.

• 1:02:00Caleb Hammer?

  Well, you are actively choosing it in your day to day when you are able to make a choice.

• 1:02:04Speaker 03

  I guess that's true, but when you're raising two kids and working fifteen hours in a week, sometimes convenience is worth it. Fifty.

• 1:02:12Caleb Hammer?

  Yeah, no, it's not worth it though. When it puts off your goals, you know why you're working fifteen fifty hours a week? Cause you have to pay for all your convenience. You're spending more money because you're tired, because you're working hard, but you have to work hard because you're spending all your money. It's an endless loop that you're never gonna get out of. Look at the two thousand dollars that you put towards it. Two thousand dollars that you spent on this credit card when you make five thousand two hundred dollars. Five thousand two hundred dollars. What is that? The month? Like a week and a half? Week and a half?

• 1:02:41Speaker 03

  But my bills are paid.

• 1:02:42Caleb Hammer?

  Kind of. You're putting all your money towards your credit cards of where you're spending it. So your minimum bills are paid on your checking account, sure. But all you're spending is just going towards ballooning your credit cards. You're just pushing your money in a different area. You're still spending more than you make. So you can't say that. I pay my bills. What do you wanna buy a house by? You're not buying a house. When are you buying a house?

• 1:03:01Speaker 03

  I have money and savings for the house.

• 1:03:04Caleb Hammer?

  When are you buying a house?

• 1:03:05Speaker 03

  I would like to have a house by March.

• 1:03:08Caleb Hammer?

  Okay, no. I mean, no way. Your credit card is going up, up, up, up, up, up, up. Savings is a thousand three hundred dollars. You're not buying a house. Go yourself buy a house by March. What are your thoughts on this?

• 1:03:22Speaker 04

  The savings makes no sense to me because I mean, we we had a lot more in there and I don't know where that went to because I was contributing to a lot of the savings to that. I mean, I I was, I'm so our rent's low. It's great right now. I am, I mean, I take care of that. I give her the money that covers that. I thought we had like six thousand dollars in our savings and all of a sudden I'm looking at it too. And I'm like, why is there, there's like twelve hundred dollars? Oh, well, we we had this and we had this and we had that and I wanted to pay this off.

• 1:03:51Caleb Hammer?

  Yeah, you're not getting a house in March. I'm sure the median home price there is a little cheaper. What is it? The two fifty?

• 1:03:55Speaker 03

  Yeah.

• 1:03:56Caleb Hammer?

  Yeah, okay. See, beautiful, wonderful, very good. No, you haven't got fifty thousand dollars saved up? What are you talking about? A house by March? March? You know, he secretly told us behind your back that he's thinking of getting a loan from a like pay loan shark place? That's the conversation we're in.

• 1:04:15Speaker 03

  For the for the down payment?

• 1:04:16Caleb Hammer?

  I don't know for what. He's just saying he's.

• 1:04:18Speaker 03

  What are you going to a loan shark for? Have you?

• 1:04:21Speaker 04

  That's all right. No, so one of the business I worked on, there was a I I I can't be specific on the guys, but one of the guys, he's he's from a place where things are a little different. We'll leave it at that. It was a bad business deal. Well, he ended up getting out of his bad business deal with a ton of money from this other guy and he told me, hey, you know.

• 1:04:44Caleb Hammer?

  Anything about this?

• 1:04:45Speaker 03

  No, I have no idea what he's talking about.

• 1:04:47Caleb Hammer?

  This is as specific as you can be.

• 1:04:49Speaker 04

  No, no, I'll I'll get more specific. So

• 1:04:51Speaker 03

  Please do.

• 1:04:52Speaker 04

  You know who I'm talking about. As an owner of a certain gym that rode in a motorcycle club, you definitely don't do not like this guy. He recommended me to a guy.

• 1:05:00Speaker 03

  I don't like him.

• 1:05:01Caleb Hammer?

  Why don't you like him?

• 1:05:02Speaker 03

  He's a narcissist and he can't be trusted.

• 1:05:04Caleb Hammer?

  Okay, go on.

• 1:05:06Speaker 03

  Owned a gym and it's been burned twice. Like he has ran it into the ground twice.

• 1:05:12Speaker 04

  One time it was actually set on fire, so we won't get into that.

• 1:05:15Speaker 03

  Well, I didn't know anything about that. I don't wanna know.

• 1:05:17Speaker 04

  No, he he recommended me to one of his guys, a guy that knows a guy that knows a guy. And I mean, I I actually considered it. I mean, I met up with this guy and he told me he's like, I can give you twenty, twenty-five thousand.

• 1:05:30Caleb Hammer?

  For what?

• 1:05:32Speaker 04

  That's where I kind of backed out because look, I I come from a life way back in the past where things are a little gray area too.

• 1:05:40Caleb Hammer?

  What? You sold drugs?

• 1:05:42Speaker 06

  Fatality. Johnny Cage wins.

• 1:05:46Speaker 04

  Uh, just.

• 1:05:47Caleb Hammer?

  What are you talking about?

• 1:05:48Speaker 04

  I was just in more than when I was younger gambling, things that are gray area, you know, leave it at that. And this guy, he said, you know, twenty thousand, twenty-five thousand, basically whatever I needed, you know, up to a certain amount. And I asked what the payments were and it was like three percent after a couple of months, but it was three percent weekly on top of this principal payment. So they call it the vig, you know? And I mean, by the time I was looking at it, you know, I'd be paying back maybe like twenty-eight thousand on a twenty-five thousand loan. That's way better than any bank's gonna give. I mean, the bank's not gonna give me anything.

• 1:06:22Speaker 03

  But were you going to use this for our down payment?

• 1:06:25Speaker 04

  It was a plan. I had it in my mind. I'm like, I could come home and just drop this down, never tell her a thing about it.

• 1:06:30Speaker 03

  But a down payment, we don't have to pay back.

• 1:06:32Speaker 04

  Well.

• 1:06:33Speaker 03

  A loan shark, we do.

• 1:06:34Speaker 04

  Right, right. Uh, well, down payment, we'd have to pay the bank back like forty times more.

• 1:06:39Speaker 03

  That we're using the down payment for.

• 1:06:41Speaker 04

  Right.

• 1:06:41Speaker 03

  That lowers the amount the loan is.

• 1:06:43Speaker 04

  A thought. It wasn't. It wasn't something that, you know, obviously I didn't go through with it. I talked to this guy because then I started thinking, I mean, I did ask him, I said, what happens if I don't pay you? And his exact words, he looked at me in the eye and he said, pay me. And that's all he said. And I was like, I don't know if I should.

• 1:06:59Speaker 03

  Considering it, cause you know that world. You know the consequences. So why were you even considering it? And why didn't you tell me?

• 1:07:07Speaker 04

  I just, I've hit a weird, a weird moment. I don't know, man. The past year has just been.

• 1:07:12Caleb Hammer?

  Oh, shut the up.

• 1:07:13Speaker 04

  No, seriously. It's been a total just, it's it's been different for me. Everything just kind of failed. Like you said, everything. I'm not, I'm not used to failing.

• 1:07:21Caleb Hammer?

  Failure.

• 1:07:21Speaker 04

  No, but I'm not used to that.

• 1:07:22Caleb Hammer?

  You have nothing to show for anything. You're a failure your whole life.

• 1:07:25Speaker 04

  No, no, that's absolutely.

• 1:07:26Caleb Hammer?

  Okay, then where's anything?

• 1:07:27Speaker 04

  No, now, yeah, I have nothing now.

• 1:07:29Caleb Hammer?

  That means nothing then. If you were a success at one point, there'd be something to show for it.

• 1:07:33Speaker 04

  I mean, I own a property in another country that I have no access to if that.

• 1:07:38Caleb Hammer?

  How? What does that mean? I could buy a lot of land in South America for four pennies.

• 1:07:43Speaker 04

  Now.

• 1:07:43Caleb Hammer?

  What are you, what are you talking about?

• 1:07:45Speaker 04

  No, a condo. I I have no access to. It doesn't.

• 1:07:48Caleb Hammer?

  Very good. You bought one of the timeshares you were selling. Proud of you. So was it a timeshare?

• 1:07:54Speaker 03

  No.

• 1:07:54Caleb Hammer?

  Oh, you didn't respond. I was very scared. What the is your successful thing you've done?

• 1:08:01Speaker 04

  Well, I was a very, uh, very successful musician and at the age of nine even.

• 1:08:05Caleb Hammer?

  So everyone knows your name?

• 1:08:07Speaker 04

  Um, at one point I I started growing. I mean, I did start, I was I was getting up there.

• 1:08:13Caleb Hammer?

  So I'd know your music?

• 1:08:14Speaker 04

  Uh, if you looked at some stuff, I've done a lot of session work for some pretty, pretty big groups.

• 1:08:19Caleb Hammer?

  Biggest.

• 1:08:19Speaker 04

  Hmm. Well, I did play. I played with Vince Gill, uh, played with Tim McGraw on a couple of things.

• 1:08:25Caleb Hammer?

  We know Tim.

• 1:08:26Speaker 04

  August Burns Red. I I worked on, I just did a few drum tracks with August Burns.

• 1:08:30Caleb Hammer?

  This is also stuff that Brent Davy would say he did. He'd say that everyone would know him. The story, Gus and Financial.

• 1:08:37Speaker 04

  Oh, okay. I mean, but no, I got paid well for the session work. I mean, I was in the Grand Old Opry at like age nine. Uh, I I worked hard.

• 1:08:46Caleb Hammer?

  Anything past the age of?

• 1:08:47Speaker 04

  Yeah, I went on to cruise ships. I mean, I I.

• 1:08:50Caleb Hammer?

  Okay, well, first of all, here we go. At least I can speak of this because I did music school. Cruise ships is where everyone goes who can't make it on the mainland.

• 1:08:58Speaker 04

  I would disagree with that heavily.

• 1:08:59Caleb Hammer?

  I wouldn't because I was in that world. That is where people go to pay their bills because they can't make it on the.

• 1:09:05Speaker 04

  No, I wasn't the Filipino bands though. So I was the guest entertainer band. We did the big.

• 1:09:09Caleb Hammer?

  I know, buddy. I know people that make careers off of it. Like I personally know it. I went to school with them. I get it. I know. You can make a living off of it.

• 1:09:15Speaker 03

  Yeah, and it was his career for four years and he made great money at it.

• 1:09:18Caleb Hammer?

  Yeah, you can make good money and it's what people do who can't make a good career on the mainland.

• 1:09:23Speaker 04

  Well, it was when Nashville, some of the sessions started tanking because I was in Nashville at the time and they just, they weren't paying as well as they did. So I ended up going on a ship doing this.

• 1:09:32Caleb Hammer?

  Uh, bullshit McDonald's going in and getting some bullshit. Um, probably groceries, probably bullshit. Probably groceries, definitely TJ Maxx, Freddy's and Ross Store.

• 1:09:44Speaker 03

  From the kids. TJ Maxx.

• 1:09:45Caleb Hammer?

  Okay, great. She got one out of like thirty bullshit purchases she did on a credit card.

• 1:09:53Caleb Hammer?

  That's not all groceries. You said it was all groceries.

• 1:09:55Speaker 03

  My kids.

• 1:09:56Caleb Hammer?

  This doesn't matter. If you're going out to eat, you can't just say, oh, it's my kids and it's okay. When you're racking your debt up, you're draining your savings down. Not getting a house in May. You know, the conversation we're having now, a conversation where he talked to a loan shark. That's the conversation we're having. You're talking about getting a house in May? No, you have a thousand dollars in your savings. You. Savings are going down. Credit card debt is going up. What the you on about? You're delusional. You're not getting a house. And if you do, you're gonna put yourself in a worse position than you're in now.

• 1:10:25Speaker 03

  But I want a house. I don't want the house that we're living in.

• 1:10:28Caleb Hammer?

  Things. I don't get it if it's dumb. Stop.

• 1:10:33Caleb Hammer?

  You're a moron. Okay, here's a credit one. Quicksilver, who's?

• 1:10:38Speaker 03

  Um, probably mine.

• 1:10:40Caleb Hammer?

  Okay. Okay. Well, what's going on with it?

• 1:10:42Speaker 03

  Uh, the balance that we have on that is for his therapy appointments.

• 1:10:47Caleb Hammer?

  Okay, now is it gonna be like last time where you said it's groceries and then it's like 95% not groceries?

• 1:10:52Speaker 03

  No, there might be one other charge on there from recently that wasn't supposed to go on there. But the last two charges should be his therapy appointments.

• 1:11:00Caleb Hammer?

  Well, you probably need a lot of it. Also, one did. Yep, there's the counseling service, but then the rest was like, I think, car insurance, then getting some bullshit.

• 1:11:08Speaker 03

  Yes, the car insurance is because.

• 1:11:11Caleb Hammer?

  Okay, so shut the up. Let me speak. Three or four purchases were not therapy.

• 1:11:18Speaker 03

  No, the car insurance, yes, because my car insurance did not accept this government.

• 1:11:21Caleb Hammer?

  Doesn't matter to me. You are putting everything, even therapy is good. I recommend therapy. I advocate for therapy. I give therapy. You're putting it on a credit card. Your credit cards are going up. Your savings are going down. You're over budgeted everywhere. You're spending money on bullshit. It doesn't work.

• 1:11:41Speaker 03

  But it's for good things.

• 1:11:43Caleb Hammer?

  But on a bad card.

• 1:11:46Speaker 03

  It's for mental health for my kids. Like, those things are important to me. I want to make sure they're covered.

• 1:11:51Caleb Hammer?

  So honestly, I mean, I do think you should get a job, but the reason you're gonna have to get a job is to pay for all her misbehavior.

• 1:11:58Caleb Hammer?

  Her inability, inability to budget, she's gonna use your money for the down payment because she can't manage a really good salary for the area. Yeah. So that's it. You want to use them for the money?

• 1:12:10Speaker 03

  I've told him I want him to work to contribute to the down payment.

• 1:12:14Caleb Hammer?

  Yeah, but the contribute is all of it because you spend all of your money on bullshit.

• 1:12:18Speaker 03

  Well, I've never seen a secret that mine salary only covers the budget.

• 1:12:25Caleb Hammer?

  But it doesn't only cover the budget. It would cover the budget and more. You spend it all on bullshit. You can't say it only covers the budget. It doesn't cover the budget. What are you talking about? You don't know what you're talking about. You don't know what you're saying.

• 1:12:36Caleb Hammer?

  I mean, bullshit at a minimum was like $800. Yes, but you spend more on them than you put towards them. So that doesn't matter. Your logic is broken. You spent a minimum $800 on bullshit. It was closer to probably 1500 on bullshit. Okay?

• 1:12:51Speaker 03

  Some months, yes.

• 1:12:52Caleb Hammer?

  The month I have, moron.

• 1:12:57Caleb Hammer?

  Guys, you've known me since the beginning and the fact is I just love building products that help people and we're continuing to do that with the Caleb Hammer Financial Services. Listen, now you got personal loans that you can get the best rates on forever you want to use it for, whether it's consolidation after you change your behavior or you need to purchase something that gets a good return on investment. And now we got credit building as well. You can shop for the best credit builders that are either free or low cost to you and build that credit. We got debt forgiveness and debt consolidation as well. We got auto loans for your new car that are great rates. Or you can refinance a horrible auto loan today. And not only that, now you can shop for the best car insurance out there.

• 1:13:38Caleb Hammer?

  The thing is, we are building more and more of these to help you get the best tools and services that you can possibly get online at the best rates. So check those out at Calebhammer.com. All those links are below in the Caleb Hammer Financial Services. Check them out. Save yourself a lot of money. I already launched Liquid Assets, my official gamer subs flavor, Raspberry Apple, and it's been selling like crazy. Here's the update. The free gift stacking promo from Christmas in July has officially sold out, but the flavor hasn't. Zero sugar, under one calorie, 100 servings a tub, same nootropic blend, same full vitamin stack, still just four scoops a day, max. Code Caleb still gets you 10% off your entire order and there's still a shot.

• 1:14:18Caleb Hammer?

  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.

• 1:14:28Caleb Hammer?

  Like, what the?

• 1:14:29Speaker 03

  Not every month.

• 1:14:30Caleb Hammer?

  Every month's a little different. Doesn't matter. That's what you spend while you're begging him to get a job. He should get a job for multiple reasons. But he shouldn't have to get a job to deal with your bullshit because you have no ability to manage your money. That is the one reason he shouldn't get a job. Okay? There's a thousand reasons he should, but that's not it.

• 1:14:54Caleb Hammer?

  $25 minimum there.

• 1:14:58Caleb Hammer?

  Home Depot, who knows? But I'll tell you what, there's been fees and shit, which is late payments. I mean, she's not even on time on paying her minimums. So you say you always make your payments? Fuck you. Not on time. She's late.

• 1:15:12Speaker 03

  Not on purpose.

• 1:15:13Caleb Hammer?

  Oh, great. Oh, you're excused? What do you want from me?

• 1:15:18Speaker 03

  Well, I'm not intentionally missing the payments because I can't afford to make the. So I missed the deadline.

• 1:15:23Caleb Hammer?

  She was late twice on the previous card too. So she goes to you, she controls you, she owns you, and you're all cucked about it. But then she's late on everything. How does that make you feel? What does that make you think?

• 1:15:35Speaker 03

  Everything. I was late on one thing.

• 1:15:36Caleb Hammer?

  Two?

• 1:15:37Speaker 03

  Two things. Sorry.

• 1:15:39Caleb Hammer?

  We've talked about two. We've talked about two and you're late on both of them. One of them multiple. So shut the up, you dumb.

• 1:15:46Speaker 04

  I brought it up before. I've said, when I see the alerts pop up, I'm like, why is that late? Why is that late? Why is that? Because you're controlling the finances. Yeah, but I mean, but you are in control of this and I'm the one like backing off saying, well, okay, you're in control. I'll do this. That's fine. I contribute this because we already have this saved and that's gonna be paid off. And then, yeah, then it's late, late, later. Well, let's pay off dental bills right now. Let's pay the full amount off or I don't know. Just whatever ends up happening. I don't, I don't.

• 1:16:18Speaker 00

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• 1:16:43Speaker 04

  Know where anything goes to. I don't know.

• 1:16:45Speaker 03

  I'm focused on so many other things.

• 1:16:47Speaker 04

  I don't see where anything goes to though.

• 1:16:50Speaker 03

  You have access to all of this.

• 1:16:52Speaker 04

  Yeah, and I look at it and I'm going, what the?

• 1:16:55Speaker 03

  And you don't talk to me about it?

• 1:17:00Caleb Hammer?

  Hmm?

• 1:17:01Speaker 03

  If you have a problem, talk about it.

• 1:17:03Speaker 04

  I've asked several times to say, hey, I do, I want to be more involved in this. I want to be more involved in this. I want to be more involved in this.

• 1:17:09Caleb Hammer?

  And then what does she do?

• 1:17:10Speaker 04

  Yeah, we'll talk about it. You can be more involved. You and.

• 1:17:13Speaker 03

  I literally have text messages that tell you, I paid this this week, I paid this this week, and this is how much went into savings.

• 1:17:21Caleb Hammer?

  Well, what are you asking for?

• 1:17:22Speaker 04

  I'm just wanting to know where every, everything goes to, whether it's a dentist or therapy or kids or this. I just want to know where everything goes and.

• 1:17:31Caleb Hammer?

  Okay, why don't you guys have a joint budget app with like DollarWise or something and sit down with it on a weekly basis? What about, she's supposed to report every purchase as it happens? That doesn't make any sense. That is not a way to manage. It's also not, it's a horrible expectation to put on someone. Why should she have to think about reporting to you like she's your child all of a sudden? Like, what are you talking about? I thought, I thought you meant like including you, like, sit down, talk about the budget, talk about the household finances.

• 1:17:55Speaker 04

  What I mean, absolutely. I want to.

• 1:17:56Caleb Hammer?

  No, you said you want to report of every purchase.

• 1:17:59Speaker 04

  No, I can see those, but I wanted to sit down and talk how, how we can make things work better.

• 1:18:05Speaker 03

  And you've said that like once.

• 1:18:07Speaker 04

  It's been more than once.

• 1:18:08Speaker 03

  And I tell you, I have text messages where I have told you, I'm not consistent on it, on what I have done with the money that week.

• 1:18:19Caleb Hammer?

  Okay, now here's the thing. He has in collections $1,005 from First Premier and Fortiva for $605. Um, this is the interesting thing to me and how we know your communication is absolutely fucked up. When you guys were having the onboarding call with Lindsay and everything like that and we're talking about the debt, he immediately jumps in and says, oh, it's fraudulent. It's all that when you were there. It was fraudulent. It was open fraudulently.

• 1:18:43Speaker 03

  I remember that.

• 1:18:44Caleb Hammer?

  And then he sends a secret text immediately the next morning, which is today. Here's the text. I'll read it aloud. Also, I remember those credit cards and honestly, just forgot to pay them. I got them. I lost a contact I had. I was so depressed about it that Fortiva card with a thousand dollar balance on it.

• 1:19:06Caleb Hammer?

  Why is he lying about it in front of you?

• 1:19:08Speaker 03

  You know about these?

• 1:19:10Caleb Hammer?

  Why are you lying?

• 1:19:11Speaker 04

  No, so, okay, I was-

• 1:19:14Caleb Hammer?

  He says there were dark times, blah, blah, blah, blah, blah.

• 1:19:17Speaker 03

  Please explain to me, please.

• 1:19:19Speaker 04

  All, all that aside, the dark times aside-

• 1:19:22Caleb Hammer?

  Wait, this is crazy. Hold on, I didn't even read this. "Told my wife I was gonna work out of town for a weekend and just stayed in a hotel alone for three days."

• 1:19:32Speaker 03

  What is that?

• 1:19:34Caleb Hammer?

  What are we doing in a hotel alone? Hotel, wait, hold on, hold on, hold on. "I love her so much and would never cheat, never have even considered it, but I hide away sometimes." I don't believe you would cheat.

• 1:19:47Speaker 04

  No, that's absolutely true.

• 1:19:48Caleb Hammer?

  No, because they get to the hotel by themselves! And then lies about it.

• 1:19:54Speaker 04

  She can back me up on that, I've done it before, multiple times.

• 1:19:57Speaker 03

  One time, that I knew of, and now I'm finding out more, so please do explain.

• 1:20:03Speaker 04

  So, I, I, the credit cards I had no intention on using, they were sent to me, I left them dormant.

• 1:20:10Caleb Hammer?

  You told her in front of her the other day that they're open fraudulently. You were hoping them to go hide from her.

• 1:20:17Speaker 04

  Yes.

• 1:20:17Caleb Hammer?

  Alone!

• 1:20:18Speaker 04

  And I, I, I forgot about them, I mean, I put them away, I don't know, that's probably the worst. I've never had credit cards in my life, and then finally I opened these, no, it was alone, I went-

• 1:20:29Caleb Hammer?

  Why'd you lie to her yesterday?

• 1:20:31Speaker 04

  I was just thrown off, thrown off guard, and I didn't-

• 1:20:33Caleb Hammer?

  So, what's up that takes you by surprise you lied to her?

• 1:20:36Speaker 04

  No, not to, nah, that's-

• 1:20:37Caleb Hammer?

  What would you have thought if you knew he was going to do this so many times? Staying in hotels, motels, alone.

• 1:20:43Speaker 04

  No, there's just this, this once that she didn't know about, this is the only time that's happened.

• 1:20:47Caleb Hammer?

  And what does that make you think? How does that make you feel? I immediately know what's going through my head.

• 1:20:52Speaker 03

  Yeah, it makes me wonder, one, why he did it, two, what made him feel why he needed to do it, and what actually happened while he was there.

• 1:21:01Caleb Hammer?

  Which, by the way-

• 1:21:02Speaker 03

  So, please, tell me, answer these questions, please.

• 1:21:06Caleb Hammer?

  Well, I should let you know as well, on top of it, he's pretending like this is forever ago, so many of these cards are open in 2026. That's this year.

• 1:21:13Speaker 04

  No, this was this year.

• 1:21:14Caleb Hammer?

  That's not dark times, a long time ago.

• 1:21:15Speaker 03

  So, what weekend were you gone that you had to work?

• 1:21:17Speaker 04

  So, I, the original intention, I was supposed to be shooting a documentary at this really cool hotel. And, no, it was a paid thing, like, everything was set up, it got pulled, uh-

• 1:21:28Caleb Hammer?

  Yeah!

• 1:21:29Speaker 03

  I do remember this.

• 1:21:31Speaker 04

  It did, and I mean-

• 1:21:31Caleb Hammer?

  You did got pulled there too, didn't it?

• 1:21:33Speaker 04

  No, no, no, so, I, I do like to recluse, I like to just kinda be in solitude, so-

• 1:21:38Caleb Hammer?

  Go into a room.

• 1:21:41Speaker 04

  It was.

• 1:21:41Caleb Hammer?

  Take a shower.

• 1:21:43Speaker 04

  It was, I did, it was, it was a great place, it was, uh-

• 1:21:46Caleb Hammer?

  Go for a walk.

• 1:21:47Speaker 03

  Where did you go?

• 1:21:47Caleb Hammer?

  This makes no sense.

• 1:21:49Speaker 04

  No, I went, it was, uh, when I was supposed to be shooting that in Eureka Springs, Arkansas, um, went down there, it's a cool little town, it's like a little getaway, and, uh, no, I stayed in a room for three days.

• 1:22:02Speaker 03

  In Eureka?

• 1:22:03Speaker 04

  Three days.

• 1:22:04Speaker 03

  Why didn't you tell me? Because you've done that before.

• 1:22:06Speaker 04

  I just-

• 1:22:07Speaker 03

  For the, what it sounds like the same reason, so I don't understand why you lied about it this time.

• 1:22:13Speaker 04

  So, there, you know, I had my own reasons, I mean, I didn't feel great about it.

• 1:22:18Caleb Hammer?

  Unless there's something more being hidden, what's the point of the lie? If you did something similar before, but you told her, why lie this time?

• 1:22:25Speaker 04

  You know, that was a really good contract, and once again, I go, hey, I, I just failed at something else, this is wonderful. I still shot some footage while I was there, I did my own thing, I just-

• 1:22:34Caleb Hammer?

  This is not answering the why lie, you see how he's dodging this?

• 1:22:37Speaker 03

  Yeah.

• 1:22:37Caleb Hammer?

  See, I was walking around it?

• 1:22:38Speaker 04

  Because of the fin, it was financial reasons, because I usually don't do the credit card thing, I didn't wanna, you know, I just said, hey, I'll pay this back, it's not a big deal, I'll pay it back, close down the cards.

• 1:22:47Caleb Hammer?

  Okay, well, you can't tell me, by the way, that you've never had debt before, when I have 605, a thousand five-

• 1:22:51Speaker 04

  This is first, yeah, this is the first time-

• 1:22:53Caleb Hammer?

  And then we have active right now, not in collections, 420 with a 25,000 minimum payment, who even knows what's getting spent on that, because he didn't send me statements? I only have it from a credit report. So, I don't even know, you're hiding your spending in the middle of this episode.

• 1:23:05Speaker 04

  Uh, I do-

• 1:23:05Caleb Hammer?

  You're a liar, you're untrustworthy, you're not a reliable source. Maybe I don't believe you on that scam thing with the restraining order.

• 1:23:12Speaker 04

  No, no, I, I can, I can tell you what, what both of those are, um-

• 1:23:16Speaker 03

  Please do.

• 1:23:16Caleb Hammer?

  Your wife would like to know, buddy, including this active one, capital one, another capital one, with a, by the way, they're all over maxed out, over maxed out. Last one had a balance cap of 300, he's a 420, this one has a balance cap 300, this one's a 382, probably a 20, 25,000 minimum as well. Yeah, go on, tell her, she wants to know, dude.

• 1:23:39Speaker 04

  Yeah, so I had these, uh, this was, I don't know if you can remember, April through May, um, I had, I had lost, I mean, it was like, it was, it was the last straw for me. Yeah, I, I once again, remember things started picking up, they were really great. I was telling you, hey, I've got all these contracts again, things are coming in.

• 1:23:59Speaker 03

  Three of them.

• 1:23:59Speaker 04

  Yeah.

• 1:24:00Speaker 03

  I remember.

• 1:24:00Speaker 04

  And every single one, just, I got one call from a producer, hey, we're actually, we're not gonna shoot this, well, I'm still getting paid for it, right? Uh, not the full amount, what's not the full amount? It was like a half-day stipend, which was like 80 bo, and I don't even think it was that. And, and then it's like, okay, I still got two other contracts, the next thing, it was like, oh, hey, we're not, we're not coming into town, we're not shooting this, it'll be next year before we shoot this.

• 1:24:26Caleb Hammer?

  Okay, I need to tell you something. The way this man talks and tells stories, when he's like, you remember, you remember, you remember, and then he goes around, tells the story, is like, well, actually, it wasn't even that much, it was, I'm not that much, that's how gaslighters speak. When they tell stories that way, that's exactly how liars speak. There's no other person that speaks that way. And knowing his background and his swindling and all that shit, I'm not surprised either. But no one talks that way unless they are telling a lie.

• 1:24:54Speaker 04

  I've never swindled or scammed anybody, I mean, and I've never lied to her about anything.

• 1:25:00Speaker 03

  Oh, you lied about this?

• 1:25:01Caleb Hammer?

  You are right now, and this is huge.

• 1:25:03Speaker 04

  It, I mean, it is.

• 1:25:04Caleb Hammer?

  No, no, no, no one speaks the way you just spoke, if they're not gaslighting.

• 1:25:08Speaker 04

  It's embarrassing, I, I feel guilty, I feel awful that I had this, but it was for personal selfish reasons, just for myself, though, I've, I've been on my own, I like to recluse, I needed, I needed time, I didn't know, okay, I'll be honest, I wasn't sure if-

• 1:25:24Caleb Hammer?

  Well, I'm always honest.

• 1:25:24Speaker 04

  No, really, I, I, I didn't know if I was gonna go back home, I had no idea, I, I was on a motorcycle, I didn't know if I was gonna go.

• 1:25:32Speaker 03

  A conversation.

• 1:25:33Speaker 04

  Well, no, because genuinely, when someone-

• 1:25:35Speaker 03

  So, what did you do, pull out these credit cards to pay for things?

• 1:25:37Speaker 04

  I didn't know, I, I didn't, I didn't know, I had no idea, I didn't know where I was going, when I was going, I didn't know if I was coming back, I had no money, you have all the money, you have everything, I'm going, okay.

• 1:25:48Caleb Hammer?

  Well, you could get a job, but-

• 1:25:49Speaker 04

  Well, no, and I didn't know what the next step was gonna be, I didn't know if I was gonna ride until I just-

• 1:25:54Caleb Hammer?

  Indeed.com.

• 1:25:55Speaker 04

  And why not? And did-

• 1:25:58Caleb Hammer?

  The next step?

• 1:26:01Caleb Hammer?

  LinkedIn, perhaps?

• 1:26:02Speaker 04

  I've actually, I've submitted the past, I don't know, I've submitted so much on there the past three months.

• 1:26:08Caleb Hammer?

  How much?

• 1:26:09Speaker 04

  Uh, over three, uh, 300, you, I mean, I can bring that up and show the application history, I'd be happy to show that.

• 1:26:16Caleb Hammer?

  I'll get you a course career certification, so we can actually get you some experience and things on your resumes that matter. People who converted those course career certifications and gotten paid in careers, 100,000 hours a year or more. I'll get you that. But right now, you're a joke, you have collections, 632, then on care credit, you have 5,876,000, here you're spending more than you put towards it again.

• 1:26:41Speaker 03

  It's actually-

• 1:26:42Caleb Hammer?

  Why?

• 1:26:42Speaker 03

  It's actually more now.

• 1:26:43Caleb Hammer?

  Oh, great, how much more now?

• 1:26:45Speaker 03

  Uh, I had to have put another 1,800 on it, two weeks ago, yeah, two weeks ago.

• 1:26:56Speaker 03

  For both my girls' braces, so their dental bills for that.

• 1:26:59Caleb Hammer?

  Oh, my fuck, what are we doing? See, what's the point? Interest, fees, you had a late fee again. This is crazy, and it's not, it's not even, it's fixed at 20%, it's not even good, and you got purchases, you purchase on here at 40% interest. What the fuck are we doing? That's worse than any credit card.

• 1:27:19Speaker 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.

• 1:27:44Caleb Hammer?

  Okay, then you have credit one, that's the worst you can get.

• 1:27:49Caleb Hammer?

  Okay, well, they are zero dollar balance, you pay it off, which is good, but there's late fees as well! But you're, you're late, so what's even the point? You're paying, even if you pay it off on time without the interest accruing, which, you're doing late, so you're paying for the privilege of using this card. Moron? And then the next one is the annual fee and late fee, look, what the fuck are we doing? You're paying for the privilege of having the card.

• 1:28:17Caleb Hammer?

  What is this that you owe thirty-three thousand eight hundred forty-two dollars hundred fifteen point four percent interest rate of death? Huh? Oh, it's funny.

• 1:28:25Speaker 03

  That's our car.

• 1:28:27Caleb Hammer?

  What do you have? What kind of car?

• 1:28:29Speaker 03

  A twenty twenty-three Ford Explorer.

• 1:28:32Caleb Hammer?

  Couldn't get a ten thousand hour car, huh?

• 1:28:34Speaker 03

  I am very picky when it comes to.

• 1:28:37Caleb Hammer?

  I don't give a. Picky? You. Why does your opinion matter?

• 1:28:40Speaker 04

  No, we.

• 1:28:40Caleb Hammer?

  What does your opinion possibly matter? This is seven hundred fifty-six dollars and seventeen cents a month at a fifteen point four percent interest credit uh interest rate. What the is wrong with you?

• 1:28:52Speaker 04

  All right, we weren't gonna get it.

• 1:28:54Caleb Hammer?

  Need a new vehicle. Congratulations. You owe thirty-three thousand eight hundred forty-two dollars on it. What do you think it's worth, this new vehicle?

• 1:28:59Speaker 03

  I know what it's worth. It's only worth twenty-three thousand dollars.

• 1:29:02Caleb Hammer?

  Twenty. Take three away. Twenty. Twenty. Twenty! You! You're underwater! Fourteen thousand dollars!

• 1:29:13Speaker 03

  Well, you're always gonna be underwater on a new car for the first couple.

• 1:29:16Caleb Hammer?

  Don't get a new car then. At an interest rate and a minimum payment you can't afford.

• 1:29:21Speaker 03

  Well, I can't.

• 1:29:22Caleb Hammer?

  You think it's just, you're always gonna be addicted. Take it. So that means it's okay to take. What are you talking about? What kind of logic is that? Go yourself. You don't care to change. You, you sound, you say the right things when you say, I have a goal for retirement, I have a goal for buying a house. You don't do anything to get there. And you don't give a, and you'll defend everything. You'll be justified till your dying days. You're never gonna get a house again. You, you prioritize your pickiness of a car. And Wingstop.

• 1:29:48Speaker 03

  Well, I'm spending a lot of money on it. Of course, I'm gonna be picky.

• 1:29:51Caleb Hammer?

  You didn't have to. Get a ten thousand hour car.

• 1:29:53Speaker 03

  Don't exist in this economy anymore.

• 1:29:55Caleb Hammer?

  That's a complete lie. The two thousand car certainly doesn't. The ten thousand absolutely. Shut the up.

• 1:30:02Speaker 04

  Uh, we, we did make that decision together. We ended up walking off on the lot because we couldn't get anything. The guy did chase us down and he said, you know, zero dollars. So that's why we got that car. He said, I can get it zero dollar down. What?

• 1:30:14Caleb Hammer?

  Great. You gave to a salesman. You're.

• 1:30:17Speaker 03

  I did.

• 1:30:18Caleb Hammer?

  Thousand fifty-six in your collection. Oh, you have another one. Thousand fifty-eight this time.

• 1:30:23Speaker 03

  Those are medical bills, one of which is his.

• 1:30:27Caleb Hammer?

  Oh, student loans. Okay. You paying on it?

• 1:30:29Speaker 03

  No.

• 1:30:30Caleb Hammer?

  They'll garnish your wages.

• 1:30:31Speaker 03

  It's in deferment.

• 1:30:33Caleb Hammer?

  Oh, okay. It's in deferment. Why is it deferred?

• 1:30:36Speaker 03

  Um, can't afford the monthly payment on it right now?

• 1:30:39Caleb Hammer?

  I mean, yes, you can. You decided to choose an eight hundred hour car payment. You chose that. You're choosing to get Wingstop. Why should we?

• 1:30:45Speaker 03

  How many cars to get to and from work is more important?

• 1:30:48Caleb Hammer?

  Forty thousand hour car. You're so stupid. How are you managing the household finance? You're a moron. What the am I supposed to do with you who can't? A twenty thousand hour car is cheaper than forty thousand hours. You're choosing Wingstop over paying student loans. Why should we subsidize you? Go yourself. I hope they don't accept your deferment anymore for the rest of your life. Seventeen thousand six hundred dollars for what? What degree did you not get?

• 1:31:12Speaker 03

  I have an associate's degree in business and marketing.

• 1:31:16Caleb Hammer?

  All that for an associate's degree? Off. Are these more student loans or are those detailed?

• 1:31:21Speaker 03

  Uh, that is the details of the student loan.

• 1:31:24Caleb Hammer?

  Okay, well, here's a checking account. Checking account. Two hundred sixteen dollars. Let's see. What are we getting? Venmo, Venmo, Amazon Cash App? Microsoft? Uh, it looks like a subscription. Amazon, a purchase of bullshit, gas station. What do you get at the gas station all the time?

• 1:31:42Speaker 04

  Uh, that's typically cash now, but if it's, if that was me on there and then it's like nicotine, you know? Nicotine pouches. I don't know. Is this?

• 1:31:51Caleb Hammer?

  How often are you getting nicotine pouches?

• 1:31:53Speaker 03

  Maybe the gas station charge on there is the, on Friday mornings, we stop at the gas station and get my kids a drink and.

• 1:31:59Caleb Hammer?

  But she can't afford her student loan payment, so you, the taxpayer, have to subsidize it. Go yourself. Seriously, fuck off. Yeah, you got some bullshit, bullshit, bullshit, Cash App, bullshit, DoorDash, you Panda Express, but you can't pay your student loans. Domino's, but you can't pay your student loans. Taco Bell, but you can't pay your student loans. McDonald's, but you can't pay your student loans. Cash App money out, getting pizza bikes, you can't afford your student loans, getting some bullshit, convenience store, um, bullshit, Country Mart.

• 1:32:29Caleb Hammer?

  Amazon. Convenience store again? Get into bullshit, bullshit, Sirius XM, but she can't afford her student loans. She's getting Sirius XM. Go yourself. Get into, go into a restaurant, but can't afford her student loans. Got some bullshit at the gas station, can't afford her student loans. Taco Bell, but can't afford her student loans. Amazon, Google, Gossip Harbor.

• 1:32:49Speaker 03

  That's a game that I play.

• 1:32:50Caleb Hammer?

  Your games. Ha, ha, ha, ha. Go yourself. Amazon. Got, got some bullshit. Dollar General, Domino's, can't afford her student loans. I M D Pro. You're a loser. You're never gonna be successful in your life. Bullshit, bullshit, bullshit, bullshit, bullshit. It's all bullshit. Amazon, McDonald's, Jimmy John's, but you can't afford your student loans. Get into bullshit. Go fund me. Go fund, pay back your student loans, you.

• 1:33:20Caleb Hammer?

  Taco Bell, Subway, Books-A-Million. Bullshit. Amazon. Savings drained. It's down. This is so pathetic. You guys suck. You guys absolutely suck. Let me see if I can budget this. But that lie we caught him in that you didn't know about? Guess what? There's another one he lied to you about that we caught him in. Yeah, you don't even know, but we're gonna expose his ass in the post show. Get ready. Well, let's get your budget first. Yeah, you better give him that look. You're gonna freak the.

• 1:33:53Caleb Hammer?

  Dude, we got your ass. We, we know everything and we got your ass. Minimum repayments. One thousand one hundred two dollars and seventeen cents. What's your rent?

• 1:34:04Speaker 03

  Five hundred.

• 1:34:05Caleb Hammer?

  You can't afford that. You guys, listen, no, you should just give up on life. Like, you're, you, you, five hundred dollars of rent, making five thousand two hundred dollars and you're not even surviving. Go yourself. What's your utilities? Gas, electric, internet, all that combined?

• 1:34:17Speaker 03

  Uh, electric ranges from like one eighty to this month, it was almost four hundred dollars with the heat wave.

• 1:34:25Caleb Hammer?

  We'll call it two fifty, because there's always a heat wave. Go on.

• 1:34:27Speaker 03

  Um, and then trash, water, all that's included in the rent.

• 1:34:33Caleb Hammer?

  Well, what about, um?

• 1:34:37Caleb Hammer?

  Internet?

• 1:34:38Speaker 03

  Internet, uh, is with our cell phone bill.

• 1:34:40Caleb Hammer?

  What's your cell phone bill? We'll do utilities.

• 1:34:43Speaker 03

  It's two hundred and eighty-nine.

• 1:34:44Caleb Hammer?

  I mean, what are we doing?

• 1:34:45Speaker 03

  Four lines of internet.

• 1:34:47Caleb Hammer?

  Do helium. Get off that shit. Fifteen bucks a line, just a good service. Gas, room, room, drive, drive. How much?

• 1:34:53Speaker 03

  Um, we probably spend about

• 1:34:57Speaker 03

  seventy dollars twice a week. So what is that, one forty?

• 1:35:00Caleb Hammer?

  Oh, twice a week. Okay, times fifty-two divided by twelve. All right, six hundred seven dollars. Car insurance.

• 1:35:07Speaker 03

  Is one sixty-three and that includes renters insurance.

• 1:35:10Caleb Hammer?

  You should be able to do the grocery budget on about eight hundred fifty bucks. Meal prep, meal plan, warming up, not, it's not everything.

• 1:35:17Speaker 03

  And we've, we've talked about that, but.

• 1:35:18Caleb Hammer?

  Oh, I'm glad you talked about it. You DoorDash every second of your life and you get Panera every three hours. Shut the up. I don't give a shit what you've talked about in your life. You've talked about a lot of things. You're all talk, non-delivery. That's your life. Shut the. TP fund anything else for you and your kids to survive. That is their clothes. That is tampons. That is. Telepaper. That is, uh, you know, you name it. School supplies, all I could stuff. Changes every month, but two fifties will we put towards that. Medical, healthcare. What are our co-pays on a monthly basis? I know he has therapy.

• 1:35:45Speaker 03

  Uh, that is one fifty once a month. And then we have medical insurance, uh, one eighty.

• 1:35:50Caleb Hammer?

  Does that come out of your paycheck?

• 1:35:52Speaker 03

  No.

• 1:35:52Caleb Hammer?

  Okay, one eighty plus one fifty. Okay, that's fine. What else? What else?

• 1:35:56Speaker 03

  Uh, then we have dental insurance, which is one fifty-five and critical care insurance, which is sixty.

• 1:36:02Caleb Hammer?

  Okay, five fifty-four, five forty-five, sorry. Uh, subscriptions, I'll give you fifty bucks. You have any pets?

• 1:36:08Speaker 03

  It's about sixty for subscriptions.

• 1:36:10Caleb Hammer?

  No, it's not. It's fifty. You cut it. Dude, she's broken. Shut the fuck. What is, you have pets?

• 1:36:16Speaker 03

  Yes. We have two dogs.

• 1:36:18Caleb Hammer?

  Hundred dollar pet insurance. How much for pet food?

• 1:36:21Speaker 03

  Um, we spend about, I think it's seventy dollars a month in pet food.

• 1:36:27Caleb Hammer?

  Anything else that needs to be in this budget that I did not put in?

• 1:36:32Speaker 03

  No.

• 1:36:34Caleb Hammer?

  You still have room, even with all. Your minimum payments, four thousand seven hundred thirty-seven dollars and seventeen cents. It's not a massive amount of wiggle room, but it does give you, I'm gonna round down to four hundred dollars to be conservative. I'm gonna take your sixty-five thousand six hundred seventy-three dollars and twenty cents of debt, but we are gonna minus your student loans, seventeen, seven oh. Minus your student loans, your minimum payment until it's paid off once that deferral ends, which will take money away from this, but yes, that happens. That auto loan has you in every way possible. Some of the collections that I don't need to freak out about, I'm gonna minus about three thousand for that. Uh, still brings us to forty-four thousand because of that car, which is thirty-three thousand of it. Divided by your, did you just fart, you freak? You're disgusting. Hundred and twelve months.

• 1:37:21Caleb Hammer?

  That is nine years, all thanks to your car.

• 1:37:25Caleb Hammer?

  Because you fucked up. I tried to trade in the car, borrow the difference, get a cheap car. That'll bring you down to like twenty-five thousand. It's better than the thirty-three and then you'll be able to pay off your debt in seven years. Other than that, you guys are. Not really, though, because you need to just go get a job and be a big boy and grow the up. And if we work on this budget, congratulations, you guys should be able to pay off debt in about five years if you don't trade in the car. You should pay off the debt in about two and a half years. That's what I would do. Then save up a fully funded emergency fund, call it a three and a half year total, or six and a half years if you don't trade in the car. You guys are, unless you get a job, unless you trade in the car. I don't care about your dream car. You have a dream to buy a house. You're not buying a house in March or May or whatever the you said. You're buying a house in ten years.

• 1:38:10Caleb Hammer?

  Maybe. And maybe at that point you shouldn't because you need to take advantage of investing in the market so you can retire.

• 1:38:17Caleb Hammer?

  Guys are. Get a job, downsize the car and you'll be fine in a few years. That's the answer to the solution. And budget! Does it even matter anyway? We'll find out because this dude's been lying and we're gonna expose him for his all his shit in the post show. Get ready. Let's get your hammer financial score first. Spending in a budget, overspend, zero out of ten. Debt, this collection, zero out of ten. Emergency fund, drained it down to a thousand. One out of ten. Retirement? I didn't see retirement. You got retirement?

• 1:38:44Speaker 03

  No.

• 1:38:44Caleb Hammer?

  You want to retire and you're forty and no retirement? You're done. Zero out of ten real estate, nothing, zero out of ten. Hammer financial score rounded up to point five out of ten. Get yours at CalebHammer.com. Now join us for what is gonna be an incredible post show, plus three premium shows every single day, six days a week. That's why there's over a hundred thirty thousand monthly active members to our network, Hammer Elite. It is incredible. Seriously, you don't even understand what you're missing. Check it out by clicking that join button or link below, or you can go off platform at the Hammer Elite app or HammerElite.com. It's the same membership either on YouTube or at Hammer Elite. We want to give you just more options. We'll see you in the post show. What do you even think we're talking about?

• 1:39:19Speaker 04

  It's probably, uh, Pokemon related.

• 1:39:22Caleb Hammer?

  We have a reality. He is spending

• 1:39:27Caleb Hammer?

  thousand dollars on Pokemon cards.

• 1:39:32Speaker 03

  How did you pay for this?

• 1:39:34Speaker 04

  I mean, I put away, you know, the walking money that we set or some of the, some of what I don't give to you.

• 1:39:39Speaker 03

  That's the down payment on the house.

• 1:39:41Speaker 04

  Yep.

• 1:39:42Caleb 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.

• 1:40:28Speaker 06

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