The Craziest Debt In Financial Audit History

*HE JUST PUT IN 2 MORE CONTRACTS FOR HOUSES BEHIND HER BACK* they are so beyond screwed, this is the most insane financial situation I've ever seen in my life- AND SHE IS *PISSED* Watch post show here: https://hamr.link/ytjoin *OR* download the brand new Hammer Elite App ➡ https://hammerelite.com/#join (discounted annual) 💰 Download Dollarwise - Big Deals, New Features, Free Trial: https://go.dollarwise.com/join ============================= *Caleb Hammer Financial Resources* ============================= 👉 See if refinancing your high-interest debt saves money. Checking is free. → https://hamr.link/ytmoneylion2 👉 Find and compare much better AND cheaper car insurance for free → https://www.moneylion.com/network/hammer-media/auto-insurance/search 👉 Finally experience relief from your debt once and forall → https://www.moneylion.com/network/hammer-media/debt-relief/explore ============================= 🔥 MY NEW FLAVOR IS FINALLY LIVE!! Get Liquid Assets *NOW* for under 40 cents per serving!! Get 10% off your entire order with code CALEB - https://hamr.link/calebdrank 🔥 Get Your Own *Hammer Financial Score* → https://hamr.link/newquiz ============================= *Sponsors for This Video* ============================= You’re 30 seconds away from being debt free with PDS Debt. Get your free assessment and find the best option for you at https://PDSDebt.com/hammer Build credit fast and get your first month for just a dollar at https://getkikoff.com/caleb today. Thanks to Kikoff for sponsoring us! Make sure your family is always protected with PolicyGenius: https://visit.policygenius.com/life-insurance/pod/?utm_source=youtube&utm_medium=podcast&utm_campaign=life-ins-2026&utm_content=financial_audit_podcast If you or someone you know experienced serious mental health struggles as a result of social media use, you may be entitled to a potential recovery of over $1,000. Visit https://morganmorganpa.sjv.io/c/7273707/3841482/23429?sharedid=caleb-hammer to submit a claim now. ============================= *Education* ============================= 👉 Get access to EVERYTHING I offer all in one place: https://bit.ly/4sUm2pb ⚡Learn how to budget: https://bit.ly/4sspyGh ⚡Learn how to invest: https://bit.ly/41mr8OP ⚡Pay off your debt: https://calebhammer.com/master-your-debt ============================= *Extra Resources* ============================= 👉 Land a high-paying job with no experience or degree: ➡ https://coursecareers.com/CalebHammer 👉 Get FREE MONEY by investing with Public! https://secure.moneymatchup.com/public-caleb 👉 Find the best credit cards for you with my quiz! https://cards.calebhammer.com/yt 👉 Get $20 from Acorns for free: ➡ https://acorns.com/caleb 👉 Helium Mobile: Use promo code CALEB for a FREE plan ➡ https://hellohelium.com/ 👉 Protect your online privacy and security for free with Aura: ➡ https://aura.com/hammer ============================= *Chapters* ============================= 00:00 Intro 01:45 Jobs & Income 04:30 i think part of owning a business involves getting paid..? 07:10 aaaand they dont pay taxes lool 10:50 she doesnt know how f*cked they are... 16:10 calling your wife b*tchy sure is a choice 24:40 woman, amirite? (for legal purposes this is a joke) 33:40 logic vs emotions, thats a fun game 44:30 "build rapport" at 4AM lmaao 53:41 DIVORCE LAWYER??? 58:40 $16,000 is down HOLY 01:04:50 foreclosures on houses is a "learning experience"? 01:13:00 theyre beyond delusional loool 01:27:45 THIS HAS NEVER HAPPENED BEFORE!!! 01:34:25 Hammer Financial Score ============================= 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

  So good, so good, so good. Cashmere outerwear and boots are up to 60% off at Nordstrom Rack. Save on brands like Ugg, Vince, and Kohlhand. Join the naughty club for free to unlock exclusive discounts. Great brands, great prices. That's why you rack.

• 0:45Caleb Hammer?

  To watch episodes of Financial Audit a week earlier, check us out on YouTube. Have we ever talked about divorce?

• 0:49Speaker 03

  Oh, yeah.

• 0:50Caleb Hammer?

  Couple of times this week.

• 0:51Speaker 03

  I've seen a lawyer.

• 0:52Caleb Hammer?

  Seeing a lawyer is a big step.

• 0:53Speaker 03

  I do try to bring things up in a manner that will not trigger him.

• 0:57Caleb Hammer?

  Trigger him?

• 0:58Speaker 03

  Yeah, okay.

• 0:59Caleb Hammer?

  What does trigger him? She's throwing a coffee, you punch a wall, and she says the next time she's gonna drive into the [bleep] ditch.

• 1:06Speaker 03

  It paints you a picture of what the reality is.

• 1:08Caleb Hammer?

  Oh, [bleep], you guys are like violent.

• 1:10Speaker 04

  Bro, toxic relationships are kinda fire.

• 1:13Caleb Hammer?

  Doesn't support you emotionally, calls you bad words, is literally the worst businessman I've ever met in my life and isn't even there for his family.

• 1:20Speaker 04

  Everybody's gotta file bankruptcy at least once.

• 1:22Caleb Hammer?

  Okay, your net worth is negative 1.3 million. Dollarwise is finally here, sending waves through the personal finance world. This is officially now the best budgeting app on the market, and I'm giving you a special deal to download. Get a free trial to test it out, and then you get the monthly plan at a 33% discount for the first three months, or the annual plan at an insane discount. And most people sign up for the annual version because it saves a lot of money, and you get my detailed 30-day meal plan, signed by me, mailed directly to you, plus the digital version of my cookbook for each recipe. Don't miss the opportunity of a lifetime. Download Dollarwise to start your free trial. Go to dollarwise.com or click the link below.

• 1:59Caleb 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.

• 2:20Speaker 03

  Hi, my name is Scarlett. I'm 30 years old.

• 2:22Speaker 04

  I'm Grant. I'm 31. We live in San Antonio, Texas.

• 2:26Speaker 03

  And this is Financial Audit.

• 2:29Caleb Hammer?

  Hey, thanks for coming up to Austin. Scarlett, what do you do for a living in San Antonio?

• 2:33Speaker 03

  I am a stay-at-home mom.

• 2:35Caleb Hammer?

  Cool. What kids? How many kids? What ages? I love kids!

• 2:39Speaker 04

  We've got a two-and-a-half-year-old and a 13-month-old.

• 2:43Caleb Hammer?

  Okay, okay, so are we married?

• 2:47Speaker 04

  We are.

• 2:47Speaker 03

  We are married.

• 2:48Caleb Hammer?

  Very good. How long have we been married?

• 2:50Speaker 03

  Uh, 10 years.

• 2:52Caleb Hammer?

  Oh, okay, and, okay, you know, deciding to make kids now? That's fine. That works. What?

• 3:00Speaker 03

  Yeah, we decided to wait a little bit. Make sure things worked out first.

• 3:03Caleb Hammer?

  Well, that's okay. That's okay. I don't know what the joke was, but that's good. And are there any more coming?

• 3:09Speaker 03

  Yes, I am currently pregnant.

• 3:11Caleb Hammer?

  Oh, okay. Well, how much? Because, yeah, just barely. That's what I was thinking.

• 3:16Speaker 03

  Yeah, just six weeks.

• 3:17Caleb Hammer?

  Good for you. I wouldn't have honestly. I didn't even know. Well, great, you better make some [bleep] money, dude. Listen, San Antonio is definitely, as far as the metros go, large metros in Texas, the cheapest by far, but please bring in some money. What are you doing?

• 3:30Speaker 04

  Doing my, doing everything I can on that.

• 3:32Caleb Hammer?

  Are you? Probably not.

• 3:33Speaker 04

  Well, we'll see. I don't know. Uh, I mean, I literally stayed up till like 12:30 two days ago, painting a wall.

• 3:42Caleb Hammer?

  What the [bleep]? Okay, oh, he stayed up to midnight. Every gamer ever. What? Come on.

• 3:47Speaker 04

  Well, I do kinda think about it that way sometimes. I'm like, well, I, you know, sit on a video game for 14 hours, grinding for some bullshit piece of gear. I might as well just be in real life, painting a wall or doing shower tile or something.

• 4:00Caleb Hammer?

  So you're a contractor?

• 4:02Speaker 04

  Uh, pretty much, yeah. I do anything that somebody will pay me money to do, generally real estate-related, yeah.

• 4:08Caleb Hammer?

  What is your job?

• 4:10Speaker 04

  Uh, well, I'm self-employed, but the primary way I'm making money right now is between real estate wholesaling and, uh, and general contracting, basically.

• 4:20Caleb Hammer?

  How often are you busy?

• 4:22Speaker 04

  How busy am I?

• 4:23Caleb Hammer?

  Yeah, how often are you getting work?

• 4:24Speaker 04

  I mean, I'm pretty busy. I, uh, working in real estate, I kinda ended up running into a rental management company, and they manage like 700 doors, and so I can be working as much.

• 4:36Caleb Hammer?

  So you help them?

• 4:38Speaker 04

  Uh, yeah, basically they send.

• 4:39Caleb Hammer?

  You fix the shit that's wrong with their rentals that they are managing?

• 4:42Speaker 04

  Right, yeah.

• 4:43Caleb Hammer?

  Very good. How many hours a week are you working?

• 4:46Speaker 03

  All of them.

• 4:47Speaker 04

  And when I'm not sleeping, I'm working.

• 4:48Caleb Hammer?

  Well, that's good, right? Isn't it? I mean, if there's only one worker and there's another kid coming. Okay, so give me what you're making.

• 4:56Speaker 04

  Um, look, I don't, the, the, the short answer is I have no. Look, the short answer is I actually don't know. Uh, it's somewhere in between 10 to 15. Um, I've been busy for like six months, but I've been doing, uh...

• 5:11Caleb Hammer?

  What are you laughing about?

• 5:12Speaker 03

  I'm sorry. Yes, he has been busy for six months.

• 5:14Caleb Hammer?

  No, what are you laughing about?

• 5:15Speaker 03

  Well, a lot of it has been busy for free.

• 5:19Speaker 04

  Sometimes.

• 5:19Caleb Hammer?

  Why?

• 5:20Speaker 04

  Um, well...

• 5:22Caleb Hammer?

  Are you just preparing? Are you like mowing the grass, doing the hedges?

• 5:25Speaker 04

  No, I mean, I'll do like drywall, tile, flooring, you know, siding. Anything that is on a house, I can pretty much handle. Uh, don't tell the city, but I can also do plumbing and electric and all that sort of stuff too, so...

• 5:36Caleb Hammer?

  Yeah, well, you just did, but...

• 5:38Speaker 04

  Yeah, fair enough.

• 5:39Caleb Hammer?

  But no, I mean... What was the issue? Well, he's doing it for free. What?

• 5:42Speaker 03

  Yes, well, it does take up a lot of time.

• 5:45Speaker 04

  Okay, so, so part of my story is part of some, one of my buddy's stories. So I, uh, you know, I sell houses, and so I was like, hey...

• 5:52Caleb Hammer?

  As a Realtor? Well, you said wholesale.

• 5:54Speaker 04

  Yeah, I wholesale.

• 5:55Caleb Hammer?

  What are you doing?

• 5:56Speaker 04

  Well, I'm a licensed Realtor, but I also pretty much primarily wholesale. I don't do like traditional buyer's agent, listing agent sort of transactions. I do wholesale transactions.

• 6:07Caleb Hammer?

  Yeah, yeah, yeah.

• 6:07Speaker 04

  Put a house under contract and sell it.

• 6:09Caleb Hammer?

  What are your thoughts of his career?

• 6:11Speaker 03

  Uh, I actually, I, I enjoy what he's doing.

• 6:15Caleb Hammer?

  You enjoy it because you never have to see him?

• 6:17Speaker 03

  No, oh, no, absolutely not. Um, no, I, I think that he loves what he is getting into doing, so I like to...

• 6:26Caleb Hammer?

  Yeah, I asked your opinion, not his.

• 6:28Speaker 03

  Yeah, that's fair. Hmm, no, I, I think it takes up a lot of his time. But, um, but I think he's, I think he's doing what, uh, yeah, what he needs to do right now.

• 6:41Caleb Hammer?

  Is it working? I mean, it sounds like it's been working for a few months.

• 6:44Speaker 03

  Yes, it's starting to work. I think it's starting to work.

• 6:46Caleb Hammer?

  How long was it not working before it started to work?

• 6:49Speaker 03

  Six months.

• 6:50Caleb Hammer?

  Well, so it's been working for six months?

• 6:52Speaker 04

  Probably a year and a half.

• 6:53Speaker 03

  Yeah, a whole year and a half. No, actually, since he started, it hasn't been working.

• 6:57Caleb Hammer?

  Who manages the money?

• 6:59Speaker 04

  Mostly her on the personal finance side.

• 7:02Caleb Hammer?

  Okay, so how much money is coming in then, actually? And are you setting aside money for taxes as he's a contractor? Why?

• 7:10Speaker 03

  Well...

• 7:11Caleb Hammer?

  And [bleep] you, I hope you don't get a refund for your kids.

• 7:13Speaker 03

  Oh, we probably won't.

• 7:15Speaker 04

  We've never gotten a refund in years, so...

• 7:17Speaker 03

  We haven't gotten a refund ever.

• 7:18Speaker 04

  Yeah, I don't know why that always happens, but...

• 7:21Caleb Hammer?

  Okay, well, you haven't paid taxes for last year, so...

• 7:24Speaker 04

  Look, I'm gonna pay the taxes, okay?

• 7:26Caleb Hammer?

  Did you file an extension?

• 7:27Speaker 04

  No.

• 7:27Caleb Hammer?

  Okay, why?

• 7:29Speaker 04

  Because I was like, I'm gonna file a [bleep] extension, and then I didn't. Uh, because I was busy. I don't know, because I was...

• 7:35Caleb Hammer?

  Busy doing what? Clearly not shaving your head when you need to.

• 7:39Speaker 04

  Damn, that's, that's probably fair. Yeah, I get it.

• 7:43Caleb Hammer?

  It is. Look behind you. That is a man who has committed, and now he looks better.

• 7:48Speaker 04

  See, so I've told her that, that, look, it's going away. It's gonna happen. Might as well just don't think.

• 7:53Caleb Hammer?

  I don't care. Why are you not filing your taxes?

• 7:55Speaker 03

  He handles the taxes.

• 7:56Caleb Hammer?

  I thought you were the one who handled the personal finances.

• 7:58Speaker 03

  I handle the personal finances.

• 7:59Caleb Hammer?

  That is personal finances. You're a self-employed person.

• 8:02Speaker 03

  No, he has handled the taxes.

• 8:03Caleb Hammer?

  That is the personal finances.

• 8:05Speaker 03

  Yes. No. Well, yes. Yes. But I handle the day-to-day stuff. He handles the bigger stuff, like the taxes. I do not do the taxes.

• 8:16Speaker 04

  Look, the, the, the short answer of why we didn't file the taxes is because we didn't have the money to pay who, whatever amount they would want.

• 8:23Caleb Hammer?

  Why did you set aside money for taxes? You should be doing estimated quarterly's, which is typically based on last year's taxes.

• 8:28Speaker 04

  I'm, I'm vaguely aware...

• 8:30Caleb Hammer?

  And you're doing better this year than last year, so the quarterly's shouldn't even be hard to hit.

• 8:33Speaker 04

  Yeah, I'm vaguely aware of the rules. I don't know exactly how to do that.

• 8:36Caleb Hammer?

  It's all pretty basic. I mean, is this on the website? On the IRS website, when you do file, there's only, or when you click "Pay Taxes," "Personal," there's like four categories. It's very easy.

• 8:47Speaker 04

  I use TurboTax.

• 8:48Caleb Hammer?

  And it literally takes five minutes. No.

• 8:49Speaker 04

  I hit the TurboTax, bro.

• 8:51Caleb Hammer?

  That's even more complicated.

• 8:52Speaker 04

  That's what I'm saying.

• 8:53Caleb Hammer?

  Maybe then not doing a return. It might be better for a return, obviously, but, well, clearly you need a CPA. More than that, doing estimated payment is so easy.

• 9:03Speaker 04

  Yeah, I mean, really, if I was to be like...

• 9:05Caleb Hammer?

  Why would you not manage that if you manage the household finances? That makes no sense to me. Why [bleep] your household?

• 9:11Speaker 03

  Um, well, I don't think of it as [bleep] my household.

• 9:14Caleb Hammer?

  Well, you stay home all day, so maybe go on a computer.

• 9:18Speaker 03

  Whoa, all right.

• 9:19Caleb Hammer?

  What?

• 9:20Speaker 03

  I understand you do not have children. That's fine.

• 9:24Caleb Hammer?

  Okay, you know what every dad has ever said? That goes from full-time work to stay-at-home dad?

• 9:30Speaker 03

  Oh, it's the easiest thing ever?

• 9:31Caleb Hammer?

  Yes.

• 9:32Speaker 03

  Oh, I know.

• 9:33Caleb Hammer?

  That's what they all say. That's what they literally all say. When they go from a workplace where they actually have to manage shit and do real shit, and then they come home and take care of kids? I'm not saying kids are the easiest part in the road, but they do find it to be a vacation compared to actual work.

• 9:47Speaker 03

  Yeah.

• 9:48Speaker 04

  That sounds about similar to some conversations we've had, but, uh, that's not well-received, so...

• 9:52Caleb Hammer?

  Okay, I'm sorry. It's not literally every minute of every day.

• 9:55Speaker 03

  What do you mean? My job?

• 9:58Caleb Hammer?

  Having to micromanage them. You have time.

• 10:03Speaker 03

  Yeah, to clean the house.

• 10:04Caleb Hammer?

  I think filing taxes is actually more important than cleaning the house for at least like a few days. Once a year.

• 10:11Speaker 03

  Again, whenever we got together, he has always done the taxes.

• 10:16Caleb Hammer?

  How's that working?

• 10:18Speaker 03

  Yeah, that's fair.

• 10:19Caleb Hammer?

  If you wanna manage the personal finances...

• 10:21Speaker 03

  No, I don't wanna manage the personal finances. I want us to, uh, talk about the personal finances together.

• 10:27Caleb Hammer?

  Do we?

• 10:29Speaker 03

  Not often.

• 10:30Caleb Hammer?

  Why? Um, what's the dynamic? What's going on?

• 10:33Speaker 03

  Basically, ever since we got into this, we kinda have just been, unfortunately, hands-off with the financial talks. Um, because I'm too difficult to talk to.

• 10:44Speaker 04

  Yeah, basically, if it hits the shan, and then we were like...

• 10:46Caleb Hammer?

  What?

• 10:47Speaker 04

  Shit hits the fan, and we were just like, okay, we're gonna focus on the fire right here, right now. And, uh, you know, so basically, whenever there's money to spend or there's money that I'm bringing in, I'm, you know, I'm just, I'm like, honey, how are we doing on bills? I know what I've gotta spend on my business-related expenses. She knows what we have to spend on our personal-related expenses. I'm like, okay, well, then I need to book that many dollars' worth of jobs and however much I have to work to make that amount of money. That's what I'm gonna be doing.

• 11:16Caleb Hammer?

  Okay, well, you manage the personal finances, and you guys, I guess, don't really talk about it very much. Tell me how much debt you have, then.

• 11:27Speaker 04

  Like the general, general ballpark?

• 11:31Caleb Hammer?

  Dude, how much debt do you have? What?

• 11:33Speaker 04

  Um, if I was to-

• 11:34Caleb Hammer?

  First of all, I was asking her.

• 11:36Speaker 04

  Go ahead.

• 11:37Speaker 03

  Personally, I don't know a number.

• 11:40Caleb Hammer?

  How can you say you manage the personal finances of the house?

• 11:44Speaker 03

  Because in the day to day, I just pay the bills with the money that comes in. That is how I just manage it right now.

• 11:51Caleb Hammer?

  That doesn't make any sense. Shouldn't you know your number? How can you manage it without knowing the number and where things are going?

• 11:56Speaker 03

  When it comes-

• 11:57Caleb Hammer?

  Make that make sense to me.

• 11:58Speaker 03

  So when it comes to the debts, we have, both of us have just decided we don't pay those right now. We are paying just what keeps the four walls open are up. Basically pay the utilities.

• 12:11Caleb Hammer?

  You guys make too much just to be four wall focused.

• 12:14Speaker 04

  So you'd like to think that, but the-

• 12:16Caleb Hammer?

  Well, I would like to think that based on the number you told that you make. Unless there's a different number of which I can then change my opinion. But I'm going based on the information you gave me.

• 12:25Speaker 04

  Okay. Well, let me, let me kind of paint the picture for you here. So, uh, we've got a couple of, uh, what were intended to be flips that are kind of not going the, the way that we planned. Um, our personal finances come in in the ballpark of like five a month, $5,000 of outgo. And then we've got another basically five for one of the three houses that we've got to spend to just keep the mortgage paid. And then I've got, you know, I've got a, a guy that I've got to pay to help me with the contracting business. And we've got, you know, MLS dues and, you know, I'll-

• 13:04Caleb Hammer?

  What the is this answer?

• 13:06Speaker 04

  What's the question?

• 13:07Caleb Hammer?

  What are you telling me?

• 13:08Speaker 04

  You're like, you're like, why can't I pay my bills? It's because the, the, the outgo is an immense, is a large amount of money. So here recently, we've been making enough to scratch by, but there was a pretty good period there where we were not, we were like two months behind on the mortgage, two months behind on the electric. Cause we were just focused on getting these houses finished and getting these projects done. And that, that wasn't necessarily income generating activity. So I've kind of put the income generating activity on the forefront now. And now that I'm put the pedal to the, to the metal, we're actually making the money.

• 13:44Caleb Hammer?

  I don't understand why you are the one answering the question of she's the one managing the finances. Why is she four wall focused with this much money coming in?

• 13:54Speaker 03

  That's what, um, okay. So he gives me the money for-

• 13:59Caleb Hammer?

  And you said none aside for taxes, even though you manage the finances. Sure, he might file, but isn't managing setting aside money for taxes?

• 14:06Speaker 03

  Um, hmm, I mean, I, we didn't ever discuss that exactly. So when it comes to that, I actually, I guess I just assumed that that would be part of the business side.

• 14:20Caleb Hammer?

  I'm, I'm just, I'm, okay. Let me, let me just cut you off. What is, I want to understand more so the dynamic.

• 14:28Speaker 03

  The dynamic is confusing.

• 14:30Caleb Hammer?

  Well, unconfuse it to me. I need to understand how this household operates, how you guys actually communicate more.

• 14:38Speaker 03

  He tells me what goes on in the business.

• 14:40Caleb Hammer?

  Okay. So you're understanding what's going on in the business?

• 14:43Speaker 03

  Right. Yes.

• 14:44Caleb Hammer?

  Okay. Don't need, I don't even know why you would need to know that specifically. I'm just talking about your, your household finances, but go on, continue.

• 14:52Speaker 03

  Again, he just gives me the money? We put the money-

• 14:54Caleb Hammer?

  And I'm asking how you communicate? Please answer the question.

• 14:59Speaker 04

  Well, how do we communicate?

• 15:00Speaker 03

  I guess we don't.

• 15:01Speaker 04

  Yeah. I mean, we kind of haven't been doing a whole lot of finance talks here recently. Cause it's just-

• 15:05Caleb Hammer?

  Recently?

• 15:06Speaker 04

  I mean-

• 15:07Caleb Hammer?

  Since when then?

• 15:07Speaker 04

  Well, I'd say-

• 15:09Speaker 03

  Since he got into real estate, probably.

• 15:10Speaker 04

  Since I got into real estate, things have just been so-

• 15:13Caleb Hammer?

  Which was six months.

• 15:14Speaker 04

  Well, I've been, I was doing, like I was working for-

• 15:17Caleb Hammer?

  So if things have gotten harder, why does that mean we communicate less?

• 15:22Speaker 03

  Good question.

• 15:22Speaker 04

  Well, the-

• 15:23Caleb Hammer?

  Okay. Let's try to have an answer. Cause you're on a podcast.

• 15:25Speaker 04

  Well, fair enough. I mean, the, the reason why is because basically I'm like, she wants to know where are we going? What's the plan? How are we getting out of this? I'm saying, honey, I don't, I don't know right now. Right now we're focused on getting these projects done because they are-

• 15:39Caleb Hammer?

  That's you in the business, dude. I don't give a about that. I'm asking your personal finances. What do you, you keep answering a question that wasn't asked. How, how does things getting more complicated mean you guys do not talk about the money in the house? Oh, we have projects going on. Fuck your projects. I don't give a fuck. Why aren't you guys talking about the money in the house? That's a project.

• 16:03Speaker 03

  It sure is. It sure is.

• 16:05Caleb Hammer?

  So let's try to answer that question.

• 16:09Speaker 04

  Well, I think the, the short answer to that question is I've basically been putting business related, uh-

• 16:15Caleb Hammer?

  Cool. Good for you. But why isn't she then?

• 16:19Speaker 03

  When I bring it up, it's nagging.

• 16:22Caleb Hammer?

  There we go. Something, an actual answer. Who you guys are like, it's-

• 16:31Speaker 03

  I could use a different word, but I'm not going to.

• 16:34Caleb Hammer?

  Well, what's the other word? Bitching. Okay. Yeah. Real controversial word. No one uses that.

• 16:40Speaker 03

  Well, hmm.

• 16:41Caleb Hammer?

  No, no, I get it. It's just like, why you can't say it?

• 16:45Speaker 04

  It's a trigger word. She hates, she hates when I say that, which to be fair, I would hate that too.

• 16:48Caleb Hammer?

  I get it. You shouldn't say it. I'm just surprised that she could, she couldn't say it.

• 16:52Speaker 03

  I, I'll trigger myself.

• 16:54Caleb Hammer?

  Okay. So what happens? He calls, he says you're bitching. Well, what is that? What's going on?

• 16:58Speaker 03

  Um, if I bring something up, it's too difficult for him to talk about, um, because I'm too difficult to talk to about it.

• 17:06Caleb Hammer?

  Bald. So what's the issue? Why is he being such a pathetic little? You can't handle a dynamic in a marriage, can't handle being a husband?

• 17:17Speaker 04

  Shit's hard, bro.

• 17:18Caleb Hammer?

  No.

• 17:19Speaker 04

  Are you married?

• 17:21Caleb Hammer?

  I am with a long-term lady. We don't have babies, but I run a business that is much more stressful and complicated than yours.

• 17:28Speaker 04

  Fair enough. Yeah. But you also have a lot more help, but to be fair, it is-

• 17:32Caleb Hammer?

  Cause the business as well, but trust me, managing people is much more stressful than doing it myself.

• 17:38Speaker 04

  Cutting tile and running a jackhammer.

• 17:41Caleb Hammer?

  Uh, yeah, that's physical labor. Have you ever managed people? They're drama. Oh my goodness. It's 10 times harder.

• 17:47Speaker 04

  I've done a little bit of that, but yeah, it is.

• 17:48Caleb Hammer?

  I hate everyone.

• 17:51Caleb Hammer?

  I love them, but I hate it.

• 17:53Speaker 04

  Yeah.

• 17:53Caleb Hammer?

  But I love it, but I hate it.

• 17:55Speaker 04

  That's life.

• 17:57Caleb Hammer?

  So. Wham, my poor widow wife is hard. So you can't talk to your wife? Doesn't that make it harder?

• 18:04Speaker 04

  Um, it, you know, in some ways it does, in some ways it doesn't.

• 18:07Caleb Hammer?

  It does. Where, where's the doesn't?

• 18:11Speaker 03

  It doesn't have to deal with it.

• 18:12Speaker 04

  Well-

• 18:13Caleb Hammer?

  Is that true? Doesn't it just build?

• 18:15Speaker 03

  It does.

• 18:15Caleb Hammer?

  Yeah.

• 18:16Speaker 03

  It does.

• 18:17Speaker 04

  Kind of has seemed to be that way, but I mean, here's, look, here's my, here's my thoughts. I was like, honey, you tell me what I need to make and I'm going to go do that. But I also know that I've got to make X amount for my other business related stuff. And so I need to work as much as that requires, which, you know, I don't have a, I'm a blue collar, you know? I don't have a degree or whatever. Yeah. Look, so if I'm gonna, if I'm gonna make all this money and pay all these bills, I'm gonna have to work an exorbitant amount of time to do that.

• 18:46Caleb Hammer?

  No one's saying you don't. You're answering a different question. You can still talk to her. You see how this guy is like?

• 18:54Speaker 03

  Tell me about it.

• 18:55Speaker 04

  Well, I do get that.

• 18:56Speaker 03

  Holy shit.

• 18:56Speaker 04

  I do get that comment fairly regularly. All I'm saying is that whenever I'm busting my ass all day and I come home, I'm like, hey, can we not? Yeah, that's-

• 19:04Caleb Hammer?

  But you gotta deal with it at some point.

• 19:05Speaker 04

  That's fair.

• 19:07Caleb Hammer?

  You have kids. It's not a joke anymore.

• 19:10Speaker 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.

• 19:34Caleb Hammer?

  Any more. We're not just having fun.

• 19:38Caleb Hammer?

  It's not just about you. Yes, you have to take care of the business, but you chose to do that. You could also be doing a nine to five. So am I having sympathy for someone who chose to be entrepreneur? No, you made that choice.

• 19:50Speaker 04

  Well, that's, that's fair. It just feels like we, you know, we, look, we, you know, best laid plans, mice and men and whatever. We had a good idea going into it and then it's turned into an absolute-

• 19:59Caleb Hammer?

  You chose to do this. You could go get a job, dude. You can work for another contractor, be the employee. That's annoying.

• 20:05Speaker 04

  One of these days that would be nice, but if I tried to just change trajectory-

• 20:08Caleb Hammer?

  Now, listen, you're nagging. What is it like though? Because maybe it is bad. Maybe it is bad because dude's tired, he's coming home.

• 20:17Speaker 03

  Fair enough.

• 20:17Caleb Hammer?

  I don't have a sympathy for his job, but if you're like, eh, bitch. Then yeah, I mean, that's going to be annoying.

• 20:24Speaker 03

  Yeah, that is annoying. Um, no, so I don't do that.

• 20:27Caleb Hammer?

  Does she do that?

• 20:28Speaker 04

  She kind of does that.

• 20:29Speaker 03

  Ho.

• 20:32Speaker 03

  All right. Okay. I don't do that. I do try to bring things up in a manner that will not trigger him, but no matter what-

• 20:41Caleb Hammer?

  Trigger him?

• 20:42Speaker 03

  Yeah. Okay. Yes.

• 20:43Caleb Hammer?

  What does trigger him? What does trigger, what does he beat the wife and kids?

• 20:46Speaker 03

  No, just the wall. Um-

• 20:48Caleb Hammer?

  Really? Are you wall punching?

• 20:50Speaker 04

  Not often.

• 20:51Caleb Hammer?

  Buddy, that's fucked up. Why? I did as a teenager, but who the is punching walls at 31?

• 20:57Speaker 04

  That's fair. I agree.

• 20:58Caleb Hammer?

  Yes, that's fair. I'm glad you say everything is fair, but yet you are the one who doesn't. How often is he punching walls?

• 21:05Speaker 03

  At least once every six months, I'd say.

• 21:07Speaker 04

  That's crazy. Well, I mean-

• 21:09Caleb Hammer?

  Crazy. What led him to do it last time? What was the conversation?

• 21:14Speaker 04

  It's a good question.

• 21:15Caleb Hammer?

  Oh, I'm glad it's a good question.

• 21:17Speaker 03

  I bet it was about-

• 21:21Speaker 03

  I bet it was about, it wasn't about finances, I can tell you that.

• 21:26Speaker 04

  It's probably because I'm working too much and our relationship is stressed because I'm working too much.

• 21:30Caleb Hammer?

  You said you had no issue. You said you had no issue. Why are you fighting about working so much?

• 21:36Speaker 03

  Um.

• 21:36Caleb Hammer?

  Okay, then I am gonna be on bro's side. If he's like working a lot and then his wife is like, why are you working so much? But he has to work that much to pay the bills.

• 21:44Speaker 04

  Cause taking care of the kids is hard and I'm not helping her enough.

• 21:47Caleb Hammer?

  That's all you do. Stop being a crybaby.

• 21:50Speaker 03

  I have, I have asked for help. I've asked to feel like.

• 21:54Caleb Hammer?

  Bro was trying to pay the bills.

• 21:55Speaker 03

  I understand, but if I do bring up, hey, um, I would like some support as, as a teammate. I would like to feel like we're on the same team. That's usually how I bring up conversations.

• 22:05Caleb Hammer?

  He is playing his position by making sure the roof is over your head.

• 22:10Speaker 03

  I understand.

• 22:10Caleb Hammer?

  Not if he punched the wall that many times.

• 22:13Speaker 03

  Well, okay. I've said that I don't really feel like, yeah, that we communicate that well about everything.

• 22:19Caleb Hammer?

  Well, why? Why else does he need to feel like a partner?

• 22:22Speaker 03

  Um, I've, I've asked him to be able to just talk to me about what the plan is here and there. Um, just to, just to feel safe that we're going in the right direction.

• 22:32Caleb Hammer?

  In what way?

• 22:33Speaker 03

  I mean, I mainly bring up like relationally, um.

• 22:37Caleb Hammer?

  What's going on? It's like pulling teeth with you, I swear, dude.

• 22:40Speaker 03

  Oh, man.

• 22:41Caleb Hammer?

  I'll answer a question for you because you guys can't answer questions. He punched a hole in the wall after you threw a coffee out the window. I'm gonna be real with you. Your debt is not the same as everyone else's. You've got your own unique mix of credit cards, maybe some medical bills, personal loans and collections, whatever. Your interest rates are different. Your payments are different. Your life is different. So why do you need some one size fits all solution that treats you like a number? Some generic calculator that spits out, just pay more, as if you hadn't thought of that already. That's what sets PDS apart. They don't just look at your balance and say, good luck. They work to understand your specific scenario and help provide alternative solutions to becoming debt free. Whether you're struggling with credit cards, personal loans, collections or medical bills.

• 23:20Caleb Hammer?

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

• 24:04Caleb Hammer?

  You suck with money, so you download a budgeting app. You start with the classic one, YNAB, but everyone just deletes it because it's way too complicated to use. So you go to EveryDollar, that's Dave Ramsey, the personal finance guy, right? Well, they're gonna force you to use it his way. That's not very personal finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end? Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like Dollar Wise. Built by these people just like you, for people just like you. No private equity, no gimmicks, just the best budgeting app there is.

• 24:49Caleb Hammer?

  Download it now, start the free trial, dollarwise.com, link in the description below. So why'd you throw the coffee out the window? Because of some relational issue that I can't define.

• 25:00Speaker 03

  No, um, I, a lot of the time, again, when I just, I just try to bring up that I don't feel like I'm included in, yeah, I know, I know, in our relationship, I don't.

• 25:13Caleb Hammer?

  In what way?

• 25:15Speaker 03

  Um, I feel like I'm replaceable.

• 25:16Speaker 04

  This is exactly my question. I am literally like, I do not know what the question is here.

• 25:21Caleb Hammer?

  Okay, so you can't answer questions because you go around them. You answer a different question. You can't answer questions because you just can't talk.

• 25:28Speaker 03

  I have tried to address problems.

• 25:32Caleb Hammer?

  Well, I'm trying to address it now.

• 25:33Speaker 03

  Okay, yes.

• 25:33Caleb Hammer?

  Give me something.

• 25:34Speaker 03

  I have tried to address problems in our relationship.

• 25:36Caleb Hammer?

  Wonderful, give me something.

• 25:37Speaker 03

  Okay, I don't like when he brings up that I feel, that he feels that I'm a terrible teammate.

• 25:43Caleb Hammer?

  Oh my gosh, again, can we define what the [bleep] that is? I have the most generic thing being thrown out. Please, why is someone not a good teammate? What are they doing besides throwing coffee?

• 25:55Speaker 04

  Bro, these are them, my exact questions.

• 25:56Caleb Hammer?

  Good, congratulations, shut the [bleep] up and answer it then.

• 25:59Speaker 04

  I'm like, what the [bleep]?

• 26:00Caleb Hammer?

  Good, answer the question!

• 26:02Speaker 04

  I don't know. You want to know what it means to be a good teammate?

• 26:04Caleb Hammer?

  No, she said, you say she's not a good teammate.

• 26:06Speaker 04

  Oh, well, for me, I'm like, honey, I'm out here trying to play quarterback and you're trying to play receiver and you're saying, I don't feel included in your business. I don't feel included in your life. I say.

• 26:15Caleb Hammer?

  Okay, so your issue is not being included in the business?

• 26:18Speaker 03

  Not necessarily the business. In my life, in our life, oh my god.

• 26:24Caleb Hammer?

  How are, is he not a good teammate is what you, you said he is not a good teammate. How?

• 26:30Speaker 03

  He has told me that I'm not a good teammate.

• 26:32Caleb Hammer?

  What is your issue you have with him? Not just something, he has an issue with you. What is the issues that you, what made you throw out the coffee?

• 26:40Speaker 04

  Probably something about how I don't include her enough in my life or something and I'm like, honey.

• 26:44Caleb Hammer?

  Okay, so is that true? He doesn't include you enough in his life?

• 26:49Speaker 03

  I don't feel very included in his life. Yes.

• 26:52Caleb Hammer?

  Because he's working all with him?

• 26:54Speaker 03

  Yes.

• 26:55Caleb Hammer?

  Okay, so the solution is?

• 26:59Speaker 03

  So the solution was that he brought up to me when we went into this entire venture, that we would be doing this together.

• 27:06Caleb Hammer?

  Doing the business together?

• 27:08Speaker 03

  Yeah.

• 27:09Caleb Hammer?

  How would you be participating?

• 27:11Speaker 03

  Um, I mean, I've done, I've done QuickBooks before. I've been in the finance.

• 27:14Caleb Hammer?

  You can't do the QuickBooks in your own [bleep] house.

• 27:16Speaker 03

  I don't get the, okay, yeah, I don't really get the money for that, but.

• 27:19Caleb Hammer?

  What? You just said he gives you the money?

• 27:21Speaker 03

  Yes.

• 27:23Speaker 03

  Now, now he does.

• 27:25Caleb Hammer?

  Okay.

• 27:26Speaker 03

  Now he gives me the money.

• 27:27Caleb Hammer?

  Okay, so you've been included then, now?

• 27:30Speaker 04

  This is my exact comment.

• 27:31Caleb Hammer?

  But not to what, the extent you want. You want more?

• 27:35Speaker 04

  So the initial, just, I feel like we're missing a, a critical piece of the puzzle here.

• 27:39Caleb Hammer?

  Well, let's give me that piece.

• 27:40Speaker 04

  You, yeah, you, you, you're kind of reading this as like, all I do is contracting. We have three flips and two of them have absolutely gone terribly.

• 27:50Caleb Hammer?

  Yeah, but you chose to do that, so.

• 27:53Speaker 04

  So, so the, the goal was initially, okay, honey, here's gonna be the great story. We're gonna, we're gonna buy these houses, we're gonna make this money, we're gonna, you're gonna help me work on the houses.

• 28:01Caleb Hammer?

  If she have a say in that.

• 28:03Speaker 03

  I did.

• 28:03Speaker 04

  Yes, so I'm like, okay, we're gonna go into this.

• 28:06Caleb Hammer?

  So what the [bleep], I mean, your biggest complaint to the producers is how you don't feel heard. How can you not feel heard if honestly, one of the biggest business decisions, you were very much heard?

• 28:16Speaker 04

  Bro, thank you.

• 28:18Caleb Hammer?

  Welcome for now, yes.

• 28:22Speaker 03

  Okay, in the business, great. In the relationship, not heard.

• 28:26Caleb Hammer?

  Wait, didn't she just say she, her biggest complaint is not being included in the business?

• 28:29Speaker 03

  No, no.

• 28:30Caleb Hammer?

  Yes, it was! Play it back!

• 28:32Speaker 03

  I don't feel very included in his life. Yes.

• 28:35Caleb Hammer?

  Because he's working all with him?

• 28:37Speaker 03

  Yes.

• 28:37Caleb Hammer?

  So the solution is?

• 28:39Speaker 03

  So the solution was that he brought up to me when we went into this entire venture, that we would be doing this together. Okay, well, probably then.

• 28:47Caleb Hammer?

  Yes, stay on story. You, you, your story changes. So, okay, go on, go on, sure, where's the issue?

• 28:54Speaker 03

  Okay, I would like for us to be able to do both together. The relationship and the business together as a family.

• 29:04Caleb Hammer?

  That's a horrible idea.

• 29:05Speaker 03

  Is it?

• 29:06Caleb Hammer?

  Yes.

• 29:07Speaker 03

  Oh, okay. Do things not work that way?

• 29:09Caleb Hammer?

  It's a horrendous idea.

• 29:10Speaker 03

  Okay.

• 29:11Caleb Hammer?

  Keep your relationship separate from the business. Why would you want to integrate that?

• 29:15Speaker 04

  I've had that exact question before. I'm like, honey, what do you want to know about it? I'm happy to tell you whatever you want to know about the business, but it's not like you're involved in the doing, like.

• 29:24Caleb Hammer?

  Yeah, but she wants to be. We have a clear disagreement there.

• 29:27Speaker 04

  And I want you to be however you can, but it's not like you.

• 29:30Caleb Hammer?

  These people!

• 29:31Speaker 04

  But you don't have, look, no, I want you to be involved as much as you can, but look, you hardly have time to take care of the kids or, or take care of the house, much less be involved in. I don't, yeah, that's between her and God, but, uh, you know, I, I want you to be involved as much as you can be, but it seems like you're having a hard enough time with just the day to day life operations, that I don't feel like there's any room for you to be stretched any further to help me on my side. That's why I've got to do it all myself.

• 30:00Caleb Hammer?

  It's just, the crazy thing is, this gets pushed to such an extreme where she's throwing a coffee, you punch a wall, and she says the next time, she's gonna drive into the [bleep] ditch. Like, that was her words! But what caused that?

• 30:15Caleb Hammer?

  I feel like I'm barely scratching the surface of something you are not allowing, either not allowing to be said or just can't. I, I gotta know, guys.

• 30:26Caleb Hammer?

  What the [bleep] is happening?

• 30:28Speaker 04

  I mean.

• 30:29Caleb Hammer?

  She has the face of a literal murderer right now. What is it? What is it? What are you not saying? Why would you drive into the ditch next time?

• 30:39Speaker 04

  Oh, well, we'll sit there and we're gonna be on a road trip and arguing or about something or other and then she takes.

• 30:45Caleb Hammer?

  About something or other? What's the something or other? Is it just her interaction in the business? Is that really the only issue?

• 30:51Speaker 04

  It, it's, she feels.

• 30:52Caleb Hammer?

  Then what?

• 30:52Speaker 04

  She feels disconnected and that makes her feel insecure.

• 30:56Caleb Hammer?

  Why are you disconnected and why are you insecure?

• 31:00Caleb Hammer?

  Why do you feel disconnected?

• 31:04Speaker 04

  This is my exact question. I'm like, honey, I'm trying to do everything I can to include you.

• 31:08Caleb Hammer?

  No offense, not to just, you know, take the mirror inside, but you're kind of doing the classic annoying woman thing. Where you like have a problem, yeah, touch it like that's really gonna help. Or you have a problem and then you can't express it.

• 31:23Speaker 03

  Well.

• 31:24Caleb Hammer?

  So it's impossible to solve, cuz it's just feelings.

• 31:29Speaker 03

  Right. So when it comes to a woman's intuition, we do vary.

• 31:37Caleb Hammer?

  Can we just talk like real world and not just like a feeling though?

• 31:41Speaker 03

  Hmm.

• 31:42Caleb Hammer?

  But go ahead, go ahead, women's intuition, let me hear.

• 31:45Speaker 03

  They can pick up when they've been lied to and, uh, and yeah, he has lied to me a lot. Uh, he lies by omission, he lies by, um, he forgot this, he forgot that. A lot of details get left out. So a lot of trust has been broken in our relationship, especially over the past 10 years.

• 32:08Caleb Hammer?

  Can I get some examples? Tell me.

• 32:11Speaker 03

  I mean, I guess.

• 32:12Caleb Hammer?

  I wanna be on your side. I'm a girl's girl, but you're so far horrible at defining anything and answering questions. But here's a good chance to give me these examples.

• 32:22Speaker 03

  Okay, so once he got into real estate, he, he kind of, I guess, got it into his head that he doesn't really have to consider his wife at home. He gets to go and like go to the bar and drink and not tell me and, and.

• 32:38Caleb Hammer?

  Okay, that's not business asshole.

• 32:40Speaker 03

  With a stay at home mom at home. Uh, there was one day I was pregnant. I had a very hard day with my one year old. He choked on a blueberry and I also had to get an oil change.

• 32:50Caleb Hammer?

  Okay, I think he deserves to die at that point. If you're, if you're, if you're, if you're almost losing life on a blueberry, I think that's his natural selection.

• 32:58Speaker 04

  Yeah, I mean.

• 32:58Speaker 03

  My son?

• 32:59Caleb Hammer?

  I'm glad he didn't, to be clear, but if someone's losing it on like the softest berry you can get, I think that's like nature saying, okay, you're not meant to be here.

• 33:07Speaker 03

  He was one.

• 33:08Caleb Hammer?

  Yeah.

• 33:09Speaker 04

  I mean, he handled that blueberry like a champ. That's all I'm saying.

• 33:12Caleb Hammer?

  Clearly not if he was choking on it.

• 33:14Speaker 03

  He's, he's alive, he's fine.

• 33:15Caleb Hammer?

  I wanna be very clear. I'm glad he's alive. I'm just saying a blueberry out of all things.

• 33:21Speaker 03

  All right.

• 33:22Caleb Hammer?

  Okay, but go on.

• 33:23Speaker 03

  Kids, you just, you'll make sure you squish it. Don't, it was a squished up blueberry.

• 33:27Caleb Hammer?

  You deserve that. See you on the other side.

• 33:30Speaker 04

  Babies don't choke on water, bro. These things are just trying to die.

• 33:34Caleb Hammer?

  I choke on water, but I'm.

• 33:35Speaker 04

  Well, I feel that.

• 33:37Caleb Hammer?

  Go on.

• 33:37Speaker 03

  So.

• 33:38Caleb Hammer?

  I mean, I, I actually, I will pause. Yeah. What the, like, I was on your side if you're working to pay for the roof over the head shirt. But if you, dude, if you're just going to the bar, when she's struggling, she's pregnant, she's trying to take care of the kids. Like, what the is wrong with you? Yeah, you're an asshole.

• 33:53Speaker 03

  Yeah, and he came home drunk and, um, he, he wanted me to be, he just wanted me to be like the gracious wife that just accepts him home. Uh, I'm sorry you drank so much or something, let him sleep it off and then we would talk about it in the morning. Um, I'm not that type of person. I get really fucking angry really fast.

• 34:12Caleb Hammer?

  Yeah, I mean, it's probably not the most productive time to have a conversation is when the dude's, you know.

• 34:16Speaker 03

  Yeah, yeah, that was, that was a bad idea too.

• 34:20Caleb Hammer?

  How many holes were punched into the wall that evening?

• 34:23Speaker 03

  None.

• 34:24Caleb Hammer?

  Oh, he missed? Okay.

• 34:26Speaker 03

  Yeah, we, that was diffused thankfully. And then there was another time that I was sick, also pregnant with my one year old at home. He was like, um, you're gonna have to figure it out.

• 34:39Caleb Hammer?

  Well, why? What was being done that day?

• 34:42Speaker 03

  What was?

• 34:43Caleb Hammer?

  What was he doing that day where he was like, you have to figure it out? Was it a job that he had to do or was he going to the bar with the boys?

• 34:49Speaker 03

  Well, he didn't go to the bar with the boys.

• 34:50Caleb Hammer?

  Okay, okay.

• 34:51Speaker 03

  He did go to work.

• 34:52Caleb Hammer?

  Well, okay. Well, I mean, that makes sense.

• 34:55Speaker 03

  Again, it's not, I don't, it, oh, well, we could talk about the night. You have to go deeper than that. It's not that.

• 35:01Caleb Hammer?

  Deeper. That's the point of a conversation. I've been waiting.

• 35:04Speaker 03

  Okay, great. Now, listen, it's the pattern underneath to where he's like, no, I took you into full consideration. I knew you'd be mad and I did it anyway. That is his logic, logic when it comes to our relationship.

• 35:19Caleb Hammer?

  But I mean, you still fucked up in that moment.

• 35:21Speaker 04

  Yeah, definitely asshole move, but also, uh, one time ever, you know, I never do anything. All I do is work. I literally do nothing but work.

• 35:28Caleb Hammer?

  I mean, you kind of hurt with the words. I mean, you told her just like a week ago or something that you feel trapped by having another kid. What the fuck is that? That's crazy to tell your pregnant wife. What are we doing? Well, kids are home. Like, yeah, I think that would stick in the back of my mind, probably for half as long as a woman, but even still, it would, it would stick there for a second at least.

• 35:47Speaker 04

  Yeah, I mean, it's been a little.

• 35:48Caleb Hammer?

  That's crazy. How'd that make you feel?

• 35:50Speaker 03

  Um, pretty terrified, pretty terrified that, yeah, that the baby would just be born and I don't know and.

• 35:59Caleb Hammer?

  Why do you, why, oh, what the was happening? Why was that said? Why was that brought up?

• 36:05Speaker 03

  Why was that brought up? I probably just told him, um, I usually just bring up my feelings. I will just bring up my feelings, but that's bitching. So.

• 36:13Caleb Hammer?

  Yeah, it is really annoying when they bring up their feelings.

• 36:15Speaker 03

  All right, well, you know.

• 36:16Caleb Hammer?

  I just, I have to be honest. It is like, why are we bringing up feelings when it's just like, I wish, like, cuz I wanna solve issues, but if it's just something that's purely emotional based and there's not anything like real world logical about it, it is actually quite difficult. I'll be honest, but.

• 36:31Speaker 03

  When it comes to a relationship, that's how you.

• 36:33Caleb Hammer?

  It is something you have to deal with. I, I know.

• 36:36Speaker 03

  All right.

• 36:37Speaker 04

  I literally have no idea what that means in real life. I have a very like problem, solve it. Tell me what I need to do. I'll go do that. How can I help?

• 36:46Caleb Hammer?

  Problem would be you feel trapped by her having another baby. Like that is like, what the, that's crazy. That's the problem.

• 36:52Speaker 04

  Yeah, well, again, you gotta take the context into consideration cuz our relationship has been a little touch and go for the past probably six months to a year.

• 37:01Caleb Hammer?

  Why? In what way?

• 37:02Speaker 04

  Well, I mean.

• 37:03Caleb Hammer?

  What does that mean? Well, we're pregnant and we have two kids. What does that mean?

• 37:06Speaker 04

  Yeah, well, the, the pregnancy was kind of, uh, I mean, it's not like we were doing everything we could to avoid that, obviously. I mean, I know how it happens, but, uh, you know, it wasn't really part of the plan and, you know, we were kinda, you know, it seems like every other day, you know, she's like, well, get the fuck out or I'm, you know, or, or, you know, or I'm like, well, then leave, you know, and, uh.

• 37:31Caleb Hammer?

  What the fuck? Why blow up, guys?

• 37:33Speaker 04

  And, uh, look, I'm not proud of it, but it's just one of those things. Right now, things are extremely hard and all I get is I'm, I'm busting my ass working all day long and then.

• 37:41Caleb Hammer?

  This is clearly not the lifestyle that is okay.

• 37:44Speaker 04

  No, this is.

• 37:45Caleb Hammer?

  For her though.

• 37:45Speaker 04

  Neither of us.

• 37:46Caleb Hammer?

  She's not gonna vibe with it. Then what are we doing? Go get a fucking job, dude.

• 37:49Speaker 04

  Uh, okay, look, how am I supposed to quit everything I'm doing right now? I would be.

• 37:54Caleb Hammer?

  You'll apply for a job, get accepted and quit.

• 37:56Speaker 04

  Okay, so I have a, a family loan on a house. I have a.

• 38:01Caleb Hammer?

  Family loan on the house?

• 38:03Speaker 04

  Yeah, so I've got.

• 38:03Caleb Hammer?

  Well, you preferably get the other job to get money.

• 38:07Speaker 04

  So, okay.

• 38:07Caleb Hammer?

  Without having to spend money on your current job, which is kind of your issue and I highly doubt you balance those books very well.

• 38:13Speaker 04

  Yeah, well, it's all.

• 38:14Caleb Hammer?

  If at all.

• 38:15Speaker 04

  Yeah, probably.

• 38:16Caleb Hammer?

  Exactly, so.

• 38:17Speaker 03

  That's kinda why I want it.

• 38:18Caleb Hammer?

  Bring 10 to 15 home a month? Doubt. But the, the reality is, I mean, he doesn't give that emotional support, does he?

• 38:23Speaker 03

  No.

• 38:24Caleb Hammer?

  But, I mean, she was looking over your shoulder the other day. She saw you giving emotional support to another woman. And that's with her.

• 38:33Speaker 03

  Yeah.

• 38:34Caleb Hammer?

  With her.

• 38:34Speaker 03

  He knows that.

• 38:36Caleb Hammer?

  It was a business deal, but you were telling her, I hope you feel better. I hope you feel better. And she saw those messages. She's been stabbed in the chest, according to her word. And the moment she confronted you, you just told her she was being a controlling bitch. So like, what the?

• 38:51Speaker 04

  Yeah, that's, uh, look, that is pretty fucked up, but, uh, to be fair, again, I'm.

• 38:56Caleb Hammer?

  To be fair, let's see.

• 38:57Speaker 04

  Look, it's, it's way easier for me to have like emotional distance and like be polite to strangers than it is to.

• 39:04Caleb Hammer?

  Okay, well, that's weird.

• 39:05Speaker 03

  Comfort your pregnant wife.

• 39:06Caleb Hammer?

  Okay, that's.

• 39:07Speaker 03

  That's.

• 39:08Speaker 04

  Yeah.

• 39:08Caleb Hammer?

  I was kinda, I was kinda with you for a second, but that's weird.

• 39:11Speaker 04

  Now, I, look, I know it's weird. Look, I don't, I don't know.

• 39:14Caleb Hammer?

  You might just be a bad partner.

• 39:15Speaker 04

  Well, I definitely haven't been the best partner and I'm working on being better, but you know.

• 39:20Caleb Hammer?

  Is he? What's his working? This just happened. You literally told her like a week ago that you feel trapped by her being pregnant. What the? That's working on being a better partner? Punching a hole in the wall two months ago is better than being a partner? What the fuck are you talking about?

• 39:32Speaker 03

  It's a roller coaster sometimes.

• 39:33Caleb Hammer?

  Yeah, so he's better for like two weeks. Gotcha. Okay, great. What, what went through your head when you saw that?

• 39:40Speaker 03

  Um, he's lucky I didn't break that phone too. Um, but.

• 39:45Caleb Hammer?

  Oh, so you guys are like violent kind of.

• 39:47Speaker 03

  Yeah.

• 39:48Caleb Hammer?

  That's insane.

• 39:49Speaker 04

  Little bit.

• 39:49Speaker 03

  I don't love it. I don't.

• 39:51Caleb Hammer?

  Oh, I would think so. What has happened there?

• 39:54Speaker 03

  Um, that was a long time ago.

• 39:56Caleb Hammer?

  Okay, yeah, you broke a phone, but he punches walls.

• 39:58Speaker 04

  And she punches walls and.

• 40:00Caleb Hammer?

  Oh, you punch walls too. This is gonna be, this is great for your kids growing up.

• 40:04Speaker 03

  It was before kids. I have not punched, I have not punched walls since kids.

• 40:09Speaker 04

  You beat the fuck out of the mesquite, that mesquite tree that one time though.

• 40:12Speaker 03

  Yeah, that's true.

• 40:13Caleb Hammer?

  Blasting a tree? That's crazy.

• 40:15Speaker 04

  Yeah, it was, it was.

• 40:16Speaker 03

  It was hormonal rage. That was hormonal rage. Absolutely.

• 40:20Speaker 04

  Rage is kind of the overarching theme of this story, I think, but.

• 40:26Speaker 00

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

• 40:50Speaker 04

  Maybe that's just my perspective.

• 40:52Caleb Hammer?

  When she was pregnant for the second time and she was telling us you like treating like complete shit, your, her second pregnancy. And I now, I know she's worried now for this third pregnancy that you're gonna treat her like shit again. How is he treating you like shit? Cause that's what you said, but I need to know how.

• 41:07Speaker 03

  Now or back then?

• 41:08Caleb Hammer?

  No, the second pregnancy.

• 41:10Speaker 03

  The second pregnancy, yeah, it was, it was a lot of lack of emotional support.

• 41:13Caleb Hammer?

  What does that mean?

• 41:14Speaker 03

  So that means.

• 41:16Caleb Hammer?

  Do you, no, no, I'm giving you the chance to tell it.

• 41:18Speaker 03

  Um.

• 41:21Speaker 03

  Not coming at me whenever I have a bad day too. Like, like.

• 41:25Caleb Hammer?

  Why aren't you supporting her? Why are you supporting random women on the phone? Not her.

• 41:28Speaker 03

  Well, look, his day was harder.

• 41:31Caleb Hammer?

  To be fair, it was harder? He says that? He says, I can't support you because my day was harder?

• 41:35Speaker 03

  He has told me, there's no way you're as tired as I am. Even though I breastfeed two children, I take care of a house. Which I get it, I know, but I'm on my feet all day. I do exercise.

• 41:49Caleb Hammer?

  No, I mean, yes, no, your jobs, your jobs not easy. I'm just, you know, comparing it, but even still, it doesn't matter. I mean, compared to my girl, of course I do like a million times harder, but I emotionally support her when needed. I don't tell her, sorry, my day was harder, bitch.

• 42:06Speaker 04

  Look.

• 42:06Caleb Hammer?

  How can we, especially when she's pregnant? How can we do that?

• 42:09Speaker 04

  Okay, cause I'll spend.

• 42:10Caleb Hammer?

  That's crazy.

• 42:10Speaker 04

  I'll spend an hour being as sweet as I possibly can, generate. Being as nice as I possibly can. And then it's like.

• 42:17Caleb Hammer?

  What?

• 42:18Speaker 04

  Deflection.

• 42:18Caleb Hammer?

  What, what, what, what?

• 42:19Speaker 04

  Good enough.

• 42:19Caleb Hammer?

  Say, say. What?

• 42:21Speaker 03

  Because as soon as I say something, it is immediately and just then about you.

• 42:29Speaker 04

  I think it's immediately about solving the problem. Help me understand. And then she's like, I just wanna be heard. What does that mean?

• 42:37Speaker 03

  Listen.

• 42:40Speaker 04

  I don't know.

• 42:41Speaker 03

  Just listen.

• 42:42Speaker 04

  I do listen and I'm like, okay, so why are you telling me this? You want me to do something about it? Cause I'm happy to do whatever that is. And then after about an hour of going through this marathon of trying to be sweet and whatever.

• 42:52Caleb Hammer?

  It's like a multi-hour thing because that does become hard. That's exhausting.

• 42:56Speaker 03

  Sometimes it becomes multi-hour things because, yes, because immediately as soon as I say something, it just gets shut down.

• 43:05Speaker 04

  Shut down, i.e. what can I do to fix that? And I will do that right now. And it's like, I don't want you to fix that.

• 43:13Speaker 03

  Yes, he will say, what can I do to fix it? I'm like, actually you won't ask, what can I do to fix it? It will just be try to fix it immediately.

• 43:21Caleb Hammer?

  Well, it is difficult to be like, here's a big problem and just like, let's let it just be a problem.

• 43:30Caleb Hammer?

  If you can't fix it, then we're just letting it be a problem.

• 43:32Speaker 03

  No, if, if it's just me saying, oh, I'm tired today. Like I can't bring that up anymore.

• 43:38Caleb Hammer?

  Oh, okay.

• 43:38Speaker 03

  I can't bring that up anymore because it's just, it's.

• 43:40Caleb Hammer?

  Really?

• 43:41Speaker 03

  Yeah.

• 43:41Caleb Hammer?

  Oh, that's crazy. She can't bring up that she's tired? She is being mother all day. That is tiring.

• 43:46Speaker 04

  Look, I'm not even sure that's true. I'm sure that's how it feels and blah, blah, blah. But I, you're, I'm happy to, to provide all the emotional support I can, but if it's, if it's just like pouring water into a bucket with no bottom, it's just like, why, what am I doing here? I gotta do something productive now, you know?

• 44:04Caleb Hammer?

  Well, it's not predictive, productive always calling her a miserable person. You call her miserable constantly.

• 44:09Speaker 03

  There are holes in the bucket because you shot the bucket.

• 44:12Caleb Hammer?

  Yeah, if you're just sitting there like, it's a trap that you're pregnant. You're a miserable person.

• 44:17Speaker 03

  Broke the bucket.

• 44:18Caleb Hammer?

  Yeah, dude, you're just blasting holes in it. I mean, I think you kinda caused that.

• 44:23Speaker 04

  Maybe so, that's entirely possible.

• 44:25Caleb Hammer?

  I mean, how, in what way does it make sense to just sit there and be like, you're a miserable person?

• 44:31Speaker 04

  Um.

• 44:32Caleb Hammer?

  What does that solve? If you're a problem solver, what problem does that solve?

• 44:36Speaker 04

  I mean, we're kind of eliminating the eight years of doing everything I can to make her happy.

• 44:43Caleb Hammer?

  Is that true? Did he try for eight years perfectly doing great to make you happy?

• 44:46Speaker 04

  Perfectly is a strong word.

• 44:47Caleb Hammer?

  Not perfectly, but he did, he was just trying, trying, trying. There was no issues.

• 44:50Speaker 03

  No, this has been the accumulation of 10 years of the same thing. And we are just now trying to fix it. The, the, yeah, you're a miserable person or like you're crazy, you're overreacting.

• 45:04Caleb Hammer?

  Crazy? He says, he just calls you crazy?

• 45:07Speaker 03

  If I bring up feelings, yeah, he'll be like, you're overreacting about that. Whenever I ask for like the emotional support that you gave the other woman. The most recent thing? Don't believe there was a most recent thing about him saying that I was crazy. He has been trying, he has been working pretty hard to listen in the past.

• 45:25Speaker 04

  My therapist told me to do that.

• 45:26Caleb Hammer?

  Well, that does nothing.

• 45:27Speaker 03

  Yes, I understand.

• 45:29Caleb Hammer?

  For like three months. I need something like three months. Anyone can change anything for a temporary, that means nothing to me.

• 45:37Caleb Hammer?

  So before that then.

• 45:38Speaker 03

  Yeah, he told me I was overreacting whenever, um, I don't know, I don't like it whenever you give your number to, to random.

• 45:47Speaker 04

  Oh.

• 45:48Speaker 03

  Women.

• 45:48Caleb Hammer?

  Why are you giving your?

• 45:50Speaker 03

  No, cause it's for rapport. It's for building rapport, he tells me.

• 45:54Speaker 04

  That is.

• 45:55Caleb Hammer?

  That is a, who's building rapport with random women?

• 45:58Speaker 03

  Oh, for real estate.

• 45:59Speaker 04

  All right, let's, let's circle back around, okay? Whenever I'm going to a real estate meetup and there's people who have, you know, listings that need to have houses worked on, they need to have work done on these listings to get them market ready, that you hand out business.

• 46:15Caleb Hammer?

  Are you crazy about this every time?

• 46:16Speaker 04

  Well, what?

• 46:16Speaker 03

  I don't know about it.

• 46:18Speaker 04

  Now, here's the thing is you go and you say.

• 46:19Caleb Hammer?

  Well, I mean, I think it's fair to hand out business cards and stuff.

• 46:22Speaker 03

  No, yeah, no, yeah.

• 46:23Caleb Hammer?

  What's the issue?

• 46:25Speaker 04

  If a female has business.

• 46:28Caleb Hammer?

  Yeah.

• 46:28Speaker 04

  That I need to do.

• 46:30Caleb Hammer?

  Yeah.

• 46:31Speaker 03

  You text them at 4am.

• 46:34Caleb Hammer?

  Why are you texting them at 4am?

• 46:36Speaker 04

  Okay, so there's.

• 46:37Speaker 03

  Cause he's an old soul.

• 46:39Caleb Hammer?

  Weird.

• 46:40Speaker 04

  I, look, I get what you're saying here, but look.

• 46:43Caleb Hammer?

  What else is there to say? 4am's weird.

• 46:46Speaker 04

  You're right, I agree. Okay, so look, I sell.

• 46:48Caleb Hammer?

  Why do you do it? I'm glad you agree. Thank you. It makes me feel good. Why do you do it?

• 46:52Speaker 04

  Because I sell investment real estate.

• 46:54Caleb Hammer?

  At 4am?

• 46:55Speaker 04

  If the, if, okay.

• 46:58Speaker 04

  The person that I was.

• 46:59Caleb Hammer?

  Only to the women does he text the men at 4am?

• 47:01Speaker 03

  I don't know. I don't care, I don't.

• 47:03Speaker 04

  It depends on the person's time zone on where they're at.

• 47:06Caleb Hammer?

  Sounded like you cared. If we don't care, we can move on.

• 47:08Speaker 04

  She definitely cares.

• 47:09Caleb Hammer?

  What the are we talking about?

• 47:11Speaker 04

  Okay, so this person lives in Israel.

• 47:14Caleb Hammer?

  He could only have gotten that idea from Benjamin Netanyahu. Before we get back to this mess, quick word from today's sponsor. Look, it's August. Everyone's trying to cram in one more weekend away, one more barbecue or night out before summer disappears. Great, but maybe take 10 minutes and do something future you is actually going to care about. Start building your credit because when you need an apartment, car or a loan, it suddenly matters a whole lot. That's why this part of the video is sponsored by Kickoff. Kickoff is built for people who are starting from zero or trying to rebuild. No credit check, no hidden fees, no interest, and you can sign up in minutes right from your phone. What I like is that it's simple. Kickoff helps you improve the key factors that determine your credit. Your new account diversifies your credit mix.

• 47:57Caleb Hammer?

  Each on-time monthly kickoff payment builds payment history and because the payments are small, your credit utilization can get healthier fast. Users with credit under 600 grow an average of 86 points just by paying on time. Plans start at $5 a month and you can set up auto pay so you don't screw it up. Start building credit with kickoff for as little as $1 your first month. That is 80% off the normal price when you go to getkikoff.com/caleb today. Get K I K O F F dot com slash Caleb. Must sign up via getkikoff.com/caleb to activate order. Offer applies to new kickoff customers first month only. Subject to approval, offer subject to change. Average first year credit score impact of plus 86 points between August 2024 and August 2025 for kickoff credit account users who started with a score below 600, who paid on time, who had no delinquencies or collections added to their credit profile during the

• 48:42Caleb Hammer?

  period. Late payments may negatively impact your credit score. Individual results may vary. All right, back to the disaster. Do you even care about your family? Cause you're playing Russian roulette with their future. You're spending $5 a day on BS energy drinks and churros. That is two grand a year to put one foot in the grave. Although your family has zero prediction if something happens to you. Make it make sense, bro. If you want to actually enjoy those sweet summer moments without sweating your family's future, you need PolicyGenius. It's a free online marketplace where you can compare quotes from America's top insurers side by side. No guesswork. You can find 20-year policies starting at just $276 a year for a million dollars in coverage.

• 49:26Caleb Hammer?

  Your BS energy drink budget covers that five times over. Head to policygenius.com/caleb right now to compare quotes from top companies and see how much you could save. That is policygenius.com/caleb. Stop being a liability to your family and start being a provider.

• 49:42Speaker 04

  And so it was like 3pm for them. If I wait until my normal business hours?

• 49:47Speaker 03

  Yeah.

• 49:48Caleb Hammer?

  Well, isn't that fair then?

• 49:50Speaker 03

  Um.

• 49:51Speaker 04

  If I wait until my normal business hours, there, it's the evening for them.

• 49:55Caleb Hammer?

  No, cater to the client's time.

• 49:58Speaker 03

  Hmm, okay.

• 49:59Caleb Hammer?

  What?

• 50:00Speaker 03

  That was the one he was giving emotional support to.

• 50:02Caleb Hammer?

  Oh, that's weird. See buddy, you win me, you lose me, you win me, you lose me.

• 50:07Speaker 04

  I win me and I lose me too. I'm like, look, I'm just trying to-

• 50:10Caleb Hammer?

  You're trying to get a little IDF princess?

• 50:13Speaker 04

  Damn. No, I'm trying to sell houses and so you have to talk to people-

• 50:16Caleb Hammer?

  To an Israeli?

• 50:18Speaker 04

  Oh, I've sold several to Israeli people. There's a lot of Israeli investors in San Antonio, Fort Worth and Austin. They're buying the shit out of houses over here. Yeah.

• 50:28Caleb Hammer?

  Or... Or...

• 50:30Speaker 04

  I also text the other Israeli people at four in the morning or at nine o'clock at night.

• 50:36Speaker 03

  Saying that you hope that they feel better?

• 50:38Caleb Hammer?

  Okay, well, come on. I've texted that to many a people.

• 50:41Speaker 04

  Right, and-

• 50:42Speaker 03

  When your wife-

• 50:43Caleb Hammer?

  Was she sick?

• 50:44Speaker 04

  Yeah, she was sick and there was-

• 50:45Caleb Hammer?

  That's not that cra- okay, you're being a crazy bitch.

• 50:48Speaker 03

  Okay.

• 50:48Caleb Hammer?

  I'm sorry.

• 50:49Speaker 03

  I was sick and pregnant at the same time and he told me to get over it. He told me to get over it.

• 50:53Caleb Hammer?

  Okay, well, that's a dick move. That doesn't mean he can't also say that to someone else.

• 50:57Speaker 03

  No, he totally can. But withholding it from his wife is fucking rude.

• 51:03Caleb Hammer?

  Why would you tell your pregnant wife to just get over it?

• 51:04Speaker 04

  Um, I feel like that's a gross oversimplification. I'm like, honey, I've gotta go to work, so I can't help you. You're gonna have to do it. You're gonna have to figure it out. You're gonna have to get over it. I can't stop, I can't not go to work just because you're feeling bad.

• 51:17Caleb Hammer?

  There are words. It's just right words. It's like saying you're sorry and you feel bad. And like, yeah, don't say that. Get over it. Or-

• 51:27Speaker 04

  Let's start from the hour preceding where I'm like, I'm sorry, honey. Hope you feel better. What can I do to help? How can I support you?

• 51:33Caleb Hammer?

  So is that how every conversation, a multi-hour conversation?

• 51:36Speaker 04

  Bro, bro, it is literally like-

• 51:39Caleb Hammer?

  Okay, now how frequently?

• 51:41Speaker 04

  Okay, so since I stopped doing them, I just said, I'm not gonna do that anymore.

• 51:46Caleb Hammer?

  Before that, how frequently?

• 51:48Speaker 04

  Three or four times a week. We'll spend four or five hours.

• 51:51Caleb Hammer?

  How have you guys stayed together for that many years? I couldn't do that.

• 51:55Speaker 04

  Yeah, it's very difficult, but we, you know, we promised forever and we've got two kids and so there's not really an option.

• 52:01Caleb Hammer?

  Yeah, before the kids, then. Like, that's insane. I'm sorry. Three to four times a week, you do, at some point, the conversation is, you do need to learn how to deal with your emotions in a healthy way.

• 52:11Speaker 03

  Oh, no, I can do that.

• 52:13Caleb Hammer?

  Are you sure? If we're having multi-hour conversations four to five times a week, that is, that does become a on-you type of situation at some point. You need to take some kind of accountability and learn how to deal with your shit. And that's not always someone else's problem.

• 52:27Speaker 03

  Right. So whenever I do bring up relationship issues, like things that he has told me in the past to my face, yes, they are wounds. Um, no, he never says sorry. He says, I'm sorry you feel that way. He doesn't say, I'm sorry for the words you've said, or that he said.

• 52:45Caleb Hammer?

  Words, why haven't you apologized?

• 52:47Speaker 04

  Uh, to be, I think-

• 52:48Speaker 03

  We're getting, we're getting into that.

• 52:49Speaker 04

  I think I've apologized for all of them at least a thousand times each week.

• 52:52Caleb Hammer?

  Oh, we're so disconnected.

• 52:54Speaker 04

  Bro.

• 52:55Speaker 03

  Yes, yeah, I know.

• 52:56Speaker 04

  If we spend hundreds of hours having these marathon argument conversations about our relationship, there's no way I haven't touched on every single pain point over the course of 10 years, at least 10 times.

• 53:07Caleb Hammer?

  How do these conversations revolve?

• 53:09Speaker 03

  Because your apologies are just, I'm sorry you feel that way.

• 53:12Caleb Hammer?

  How do the- Is that true?

• 53:15Speaker 03

  Yes.

• 53:16Speaker 04

  Probably, that's my new joke.

• 53:18Caleb Hammer?

  Asshole, that's not gonna work. How do these conversations resolve?

• 53:22Speaker 03

  They don't. Holes in the wall.

• 53:24Speaker 04

  Here's how the conversation typically-

• 53:26Speaker 03

  Holes in the wall.

• 53:26Speaker 04

  I'm like, honey, I have to go to work. It's nine o'clock in the morning. And then she wants to talk until it's about one o'clock. And I'm like, honey, I'm leaving.

• 53:33Caleb Hammer?

  That's insane.

• 53:33Speaker 04

  I'm, I am leaving now.

• 53:35Caleb Hammer?

  That's insane.

• 53:36Speaker 04

  And so I just leave the house. There's not, there's, I'm like, where is the end of this conversation? It's like a roller coaster of, we're, we're getting close to a solution and then it's emotional, uh, tunnel again.

• 53:49Caleb Hammer?

  So she cries a lot?

• 53:50Speaker 04

  She does. And so I'm like, okay-

• 53:52Speaker 03

  I have stopped crying in front of you.

• 53:53Caleb Hammer?

  It's difficult.

• 53:54Speaker 04

  And so then I'm like-

• 53:54Speaker 03

  I've stopped crying in front of him.

• 53:55Speaker 04

  Nothing's going to help. I'm just gonna go to work now, cause at least there I can pay the bills. Cause whenever I spend all this time talking, I'm not doing-

• 54:02Caleb Hammer?

  Do you guys enjoy time around each other?

• 54:05Speaker 04

  I think so.

• 54:05Speaker 03

  Yeah.

• 54:06Speaker 04

  Wait, look.

• 54:07Caleb Hammer?

  Forty times a week and it's multi-hour conversations?

• 54:10Speaker 04

  Bro, toxic relationships are kinda fire. I gotta be honest with you.

• 54:14Speaker 03

  Oh my god.

• 54:15Caleb Hammer?

  But where's the good time? If you're working all the time, four times a week, we're having multi-hour conversations, where's the time for the, where's the good part? Where does it exist?

• 54:24Speaker 04

  Um-

• 54:25Caleb Hammer?

  Like mathematically?

• 54:26Speaker 04

  Mathematically, that's a good question, but I will say that the quality, uh, you know, outweighs the quantity. If you like-

• 54:34Caleb Hammer?

  But where? Where's the quality?

• 54:37Speaker 04

  Um, I'll be painting the wall. She'll call me and tell me about her feelings and then we'll talk about it for a minute and I'm getting better at making her feel better now. And so then we have a good 30-minute conversation.

• 54:48Caleb Hammer?

  Okay, why are you calling him during work? Let's man fuck work, dude. Like, what was wrong with you? Come on.

• 54:52Speaker 03

  Um, because he won't be home for me to talk to him, I guess?

• 54:56Caleb Hammer?

  Uh, yeah, we do gotta solve that issue. You gotta just get a job, dude. The clue, this is not working. This is not working. I mean, you've str- and I don't think you're ever gonna be involved in the business. He, he said to our producer, if you're, if you're an employee, he would fire you.

• 55:11Speaker 03

  Yes, he has said that before. As, but as a wife.

• 55:16Speaker 03

  So you can kinda-

• 55:17Caleb Hammer?

  Have we ever talked about divorce?

• 55:19Speaker 03

  Oh, yeah.

• 55:20Caleb Hammer?

  Couple of times this week.

• 55:21Speaker 03

  I've seen a lawyer.

• 55:22Caleb Hammer?

  Really?

• 55:23Speaker 03

  Mm-hmm.

• 55:23Caleb Hammer?

  When?

• 55:24Speaker 03

  Um, couple of weeks ago.

• 55:28Speaker 03

  I have not filed. I do not want to file. Not going to file.

• 55:33Caleb Hammer?

  Seeing a lawyer is a big step.

• 55:35Speaker 03

  Yeah, it shows, it paints you a picture of what the reality is.

• 55:39Caleb Hammer?

  How does that make, did you know?

• 55:40Speaker 03

  No.

• 55:41Speaker 04

  No.

• 55:41Speaker 03

  I lied to him.

• 55:44Caleb Hammer?

  This is your first time hearing about this?

• 55:46Speaker 03

  No.

• 55:47Speaker 04

  Um, I heard about it the other day in an argument, but, uh-

• 55:50Caleb Hammer?

  And? Your thoughts?

• 55:52Speaker 04

  I'm like, do whatever you want. I can't make you feel bad.

• 55:55Caleb Hammer?

  Oh my, you guys are not compatible. How the did you guys produce a child?

• 56:03Speaker 04

  Three.

• 56:07Speaker 03

  Dump the gasoline.

• 56:08Caleb Hammer?

  She goes and sees a lawyer for divorce and you say, do whatever you want? What the?

• 56:15Speaker 04

  Here's, here's my, here's my perspective. I'm working my ass off to try and help her feel better and help, and I'm like, honey, how can I make you feel more connected? How can I love you more? How can I love you better? I do the 10, 20 things that she lays out.

• 56:27Caleb Hammer?

  Was that before or after figuring out you're pregnant?

• 56:29Speaker 03

  The lawyer? Uh, that was before.

• 56:32Caleb Hammer?

  Jeez. What made you go see this lawyer?

• 56:36Speaker 03

  Uh, I kind of had to face the reality of, yeah, what are we looking at with our marriage?

• 56:42Caleb Hammer?

  What was the breaking point, though? What was, what triggered?

• 56:47Speaker 03

  I don't know. I had had enough with the things that he'd said to me. Uh, yeah, a lot of the things that he said has kind of just,

• 56:56Speaker 03

  like, e- even if I am, whatever, a miserable person to be around, I feel like if, if he feels that way, he should leave. I don't feel like, like, why would you just destroy the person that you say that you love and then, um, and then expect them to stick around?

• 57:11Caleb Hammer?

  So what happened?

• 57:13Speaker 03

  I just, I, I-

• 57:15Caleb Hammer?

  What the conversation? What'd you guys talk about?

• 57:18Speaker 03

  There was no conversation about it.

• 57:19Caleb Hammer?

  You met a lawyer?

• 57:20Speaker 03

  Oh, I'm sorry. You're asking about the lawyer conversation? She told me, she painted a picture. She's like, well, if you're gonna be a single mom, you gotta, you know, obviously get a job and do this and do that and, uh-

• 57:31Caleb Hammer?

  So what prevented you from going forward was literally just the fear of what it looked like on the other side?

• 57:36Speaker 03

  No, no, I don't want that for my life.

• 57:39Caleb Hammer?

  Yeah, that.

• 57:40Speaker 03

  Yeah.

• 57:41Caleb Hammer?

  Just the consequences of it, but not the actual staying with him part isn't what prevented you?

• 57:47Speaker 03

  I guess. No, that's not true. No, I will, no.

• 57:50Caleb Hammer?

  Based on everything you just said, the words you just said, the single mom, the struggle, that's what you don't want.

• 57:55Speaker 03

  No, that's what she told me. She didn't say, oh, well, here's the happy picture of, I'm telling you what she told me.

• 58:01Caleb Hammer?

  Exactly. And you're afraid of that more than you want to actually stay with him.

• 58:05Speaker 03

  No, I'm telling you that, that that's what she told me. For me, yes, I, I had to weigh my options. I had to weigh my options.

• 58:12Caleb Hammer?

  And you would prefer staying him over the consequences of all that?

• 58:16Speaker 03

  Yes, I would prefer staying with him over the consequences of all that.

• 58:18Caleb Hammer?

  That doesn't mean you actually want to stay with him.

• 58:20Speaker 03

  No, I do wanna stay with him.

• 58:22Caleb Hammer?

  But you met a divorce lawyer two weeks ago.

• 58:24Speaker 03

  It's over here. This is the good side and this is the part I don't want.

• 58:27Caleb Hammer?

  Okay, I'm sorry. We usually don't wanna stay with people we made a divorce lawyer for two weeks ago.

• 58:31Speaker 03

  Yeah, that's-

• 58:32Caleb Hammer?

  I know you just found out you're pregnant.

• 58:35Speaker 03

  That wouldn't, no, that wouldn't.

• 58:36Caleb Hammer?

  Oh, come on.

• 58:37Speaker 03

  That wouldn't keep me. I am staying because of him.

• 58:42Caleb Hammer?

  That's crazy. Two weeks ago? Sure. Uh huh. Guys, what do we think our combined household financial score is? Zero to 10, zero being the worst, 10 being the best, negative one.

• 58:51Speaker 03

  Yeah, I was about to say negative a thousand.

• 58:53Caleb Hammer?

  Okay, well, negative isn't a thing, but if you want to figure out your financial score, go to Calebhammer.com, take the assessment, new and improved, highly detailed, so you can figure out what you're doing in each category, what you need to do to improve. It just takes a few minutes and it is free. Calebhammer.com And if you don't want to be like a guest who ends up on this show, Calebhammer.com/apply, by the way, make sure to download the Dollar Wise Budgeting app. You'll plug in all your information and automatically connects. It shows you the insights you need to change your life. Tens of thousands a monthly use for a reason. Take the free trial, see if it works for you. Most people take the annual version after the trial because it saves a lot of money and you get the physical version of my budget meal plan signed by me mailed directly to you and the digital version of the cookbook as well. Dollarwise.com or just download it in the app store or click the link below.

• 59:37Caleb Hammer?

  Um, okay. I mean, let's just, let's get a bigger picture of what's actually going on on the number side. I don't know. If you guys can't communicate about really the most simple things, I don't know how the you're going to communicate about this. And this is one of the leading causes for divorce in this country. You've already met a divorce lawyer. It's like doom and gloom is what I am seeing now, but let's try to get the the full picture together with the number side of things. Barclay's card, what's going on?

• 1:00:01Speaker 03

  Closed account. That's all I know.

• 1:00:04Caleb Hammer?

  Uh, whose is it?

• 1:00:06Speaker 04

  It was kind of mine. We both had, it's a shared account. I think we had like-

• 1:00:11Caleb Hammer?

  What was it for?

• 1:00:12Speaker 04

  Um, well, initially, who knows? I don't know why we got it. We, we just kept it for a while.

• 1:00:17Caleb Hammer?

  What did you spend it on? Cause you're at $16,808 and six cents. What's gone down somewhere?

• 1:00:22Speaker 03

  Yeah, I was about to say that. It went down.

• 1:00:24Speaker 04

  Uh, well-

• 1:00:25Caleb Hammer?

  That's down?

• 1:00:26Speaker 04

  Yeah. Yeah. I mean, I think we had about-

• 1:00:27Caleb Hammer?

  You didn't even know?

• 1:00:29Speaker 04

  Like 22, I think is-

• 1:00:30Speaker 03

  It's just on a payment plan.

• 1:00:31Caleb Hammer?

  Good. Ah, guys.

• 1:00:32Speaker 04

  Yeah. Well, basically all that got racked up on, uh, like staying in hotels.

• 1:00:37Caleb Hammer?

  You opened this card for your honeymoon to Belize?

• 1:00:40Speaker 04

  Well, we opened it whenever we went on our honeymoon to Belize.

• 1:00:43Speaker 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.

• 1:01:08Speaker 04

  Belize and then, but we were just like, eh, they'll give us the credit line. Our credit score was fine, whatever. And then, uh, all this real estate shit started blowing up in our face. And so, uh-

• 1:01:20Caleb Hammer?

  Okay. So how's it blowing up? Tell me.

• 1:01:22Speaker 04

  Um, so we bought our first flip in San Angelo and, uh, that one, I mean, I could go into detail as much as you want, but like after the contractor screws us and after the-

• 1:01:37Caleb Hammer?

  Why aren't you doing the flip yourself?

• 1:01:40Speaker 04

  So I didn't get my contracting license until after this contractor screwed me on two houses. And then I was like, I can't rely on people to do shit for me anymore.

• 1:01:48Caleb Hammer?

  I'm not buying a house for someone else to flip it. Okay.

• 1:01:52Speaker 04

  I mean, it's a pretty normal scenario where an investor buys the house and then you hire a contractor to do the work.

• 1:01:58Caleb Hammer?

  Yeah, but you don't have like a big flipping agency. If you're just starting off, do the flip yourself.

• 1:02:02Speaker 04

  Well, let's, uh-

• 1:02:03Caleb Hammer?

  Okay. So the contractor you, I guess.

• 1:02:05Speaker 04

  Yeah. And so, uh-

• 1:02:07Caleb Hammer?

  I have the link. Let's see.

• 1:02:08Speaker 04

  Yeah, that one, we ended up having to spend $8,000 to, uh, to sell it.

• 1:02:15Caleb Hammer?

  You did sell it though?

• 1:02:16Speaker 04

  Yeah, we brought, we had to, we had to bring-

• 1:02:17Caleb Hammer?

  Did you break even? Did you lose? How much did you lose? I mean, it's a nice little single family.

• 1:02:21Speaker 04

  All of those cards plus the $8,000 is about what we lost on that house.

• 1:02:26Caleb Hammer?

  So tens of thousands?

• 1:02:27Speaker 04

  Tens of thousands.

• 1:02:29Caleb Hammer?

  How? And yet you said, yes, let's go do a second one?

• 1:02:34Speaker 03

  Uh, we started the second one before that one was a, was a shit show.

• 1:02:38Caleb Hammer?

  Before you even proved the concept?

• 1:02:39Speaker 03

  Yeah.

• 1:02:41Speaker 04

  Yeah.

• 1:02:41Caleb Hammer?

  Yeah, you coplaugh your way through that.

• 1:02:43Speaker 04

  Yeah, is right.

• 1:02:46Caleb Hammer?

  Brother, okay. Well, someone's enjoying it at a discount. And yeah, not, not a bad house, not a bad job. It looks like. Okay. So what? What happened with the second one then?

• 1:02:56Speaker 04

  Uh, second one was closing. I guess the second one would be the Fort Worth house. That one, kind of part of the wholesaling thing, you run into deals, you know, and typically you're trying to resell them. Well, I brought it to my sister and my sister was like, yeah, we're going to flip that one too.

• 1:03:11Caleb Hammer?

  This is the Fort Worth house?

• 1:03:12Speaker 04

  That's the Fort Worth house. Yeah.

• 1:03:14Caleb Hammer?

  Something not even close to you, but-

• 1:03:16Speaker 04

  Yeah, but she's local to the Fort Worth market. She's been doing the same kind of real estate wholesaling stuff for a long time. And she was pretty successful at it. So, um, she says, hey, I've got a contractor. I've got a lender. We can get this done. We'll make all this money.

• 1:03:29Caleb Hammer?

  Really nice house.

• 1:03:30Speaker 04

  Yeah. I mean, we bought it for-

• 1:03:32Caleb Hammer?

  Pre-remodel. It was actually kind of nice, but-

• 1:03:33Speaker 04

  Well, it, it had a bunch of rod. It had a bad roof. We had to redo it pretty significantly.

• 1:03:39Caleb Hammer?

  But, uh, how much did you put into it?

• 1:03:41Speaker 04

  Um, we ended up putting in about 200, I think, after all was said and done.

• 1:03:46Caleb Hammer?

  Yeah, it's not a cheap house. Estimated value, 818,000.

• 1:03:49Speaker 04

  We had an appraisal for 900. The initial plan was we would sell it.

• 1:03:52Caleb Hammer?

  So break even, lose, gain what?

• 1:03:54Speaker 04

  Um, we're probably getting foreclosed on that one.

• 1:03:58Caleb Hammer?

  Oh, it's not done?

• 1:03:59Speaker 04

  Um, it's done. It's done. It's on market.

• 1:04:02Caleb Hammer?

  Foreclosed then?

• 1:04:03Speaker 04

  So, okay.

• 1:04:04Caleb Hammer?

  Oh, no, but the sale's not done.

• 1:04:05Speaker 03

  The sale's not done. It hasn't sold.

• 1:04:07Speaker 04

  So it's on market. We've got a hard knock.

• 1:04:09Caleb Hammer?

  On market for what?

• 1:04:10Speaker 04

  Um, it's on market for, I think we are at 835.

• 1:04:14Caleb Hammer?

  Okay. Well, that's, it's already overvalued estimated online.

• 1:04:19Speaker 04

  Well, okay. Well, what did you buy it for? We bought it for 515.

• 1:04:22Caleb Hammer?

  What did you put into it?

• 1:04:23Speaker 04

  200.

• 1:04:25Caleb Hammer?

  Okay. I'm just trying to get it out of a break even instead of foreclose.

• 1:04:30Speaker 04

  Right. So this house, it's on a, essentially a private money loan with deferred payments. So the, the monthly payments accrue to the payoff.

• 1:04:38Caleb Hammer?

  You're getting, you're getting like, you're like repeating, it's not as crazy as Ramsey, but you're kind of Ramsey-ing yourself.

• 1:04:45Speaker 04

  Um, yeah. Yeah. I mean, I feel like-

• 1:04:51Speaker 03

  I know what you're putting down.

• 1:04:52Speaker 04

  Yeah, I feel like, uh-

• 1:04:53Caleb Hammer?

  So why do you think it's going to be foreclosed on? Are people seeing it?

• 1:04:56Speaker 04

  Um, so that one, very similar story.

• 1:04:59Caleb Hammer?

  People coming to view the house, saying the work on the house is shitty.

• 1:05:02Speaker 04

  Yeah.

• 1:05:02Caleb Hammer?

  So it looks nice on a picture, but the work is shitty in person?

• 1:05:04Speaker 04

  Yeah. Whenever you go and look at the details.

• 1:05:06Caleb Hammer?

  You didn't do this yourself?

• 1:05:07Speaker 04

  No, I didn't do that myself.

• 1:05:09Caleb Hammer?

  What's the issues?

• 1:05:09Speaker 03

  He did the floors. The floors are great.

• 1:05:11Speaker 04

  And I painted the walls.

• 1:05:12Caleb Hammer?

  What's the issues?

• 1:05:13Speaker 04

  Um-

• 1:05:14Caleb Hammer?

  People are complaining about-

• 1:05:14Speaker 04

  Tile work is bad. The, the drywall work is bad. The windows had, the kitchen layout is too small and doesn't work. Yeah. Yeah. People didn't like the location of the island, so on and so forth.

• 1:05:28Speaker 03

  Oh, no shit. Wow. That's unfortunate.

• 1:05:30Speaker 04

  Yeah. So, you know, basically-

• 1:05:32Caleb Hammer?

  So no one's buying it? No offers?

• 1:05:33Speaker 04

  No, no offers.

• 1:05:35Caleb Hammer?

  Not even under?

• 1:05:36Speaker 04

  No, every showing we've had has been like the most dismal feedback.

• 1:05:39Caleb Hammer?

  Okay. So foreclosure's coming.

• 1:05:41Speaker 04

  Yeah, for sure.

• 1:05:42Caleb Hammer?

  What's your monthly payment on this thing?

• 1:05:44Speaker 04

  Um, it's deferred payments, but it comes out to in the neighborhood of $9,000 a month.

• 1:05:50Caleb Hammer?

  Two or five.

• 1:05:52Speaker 04

  Yeah.

• 1:05:53Caleb Hammer?

  Okay. You guys, and then you said there's a third house somewhere in this equation, right? Didn't I hear three?

• 1:05:58Speaker 04

  Yeah. So we-

• 1:05:59Caleb Hammer?

  So what's the third house situation?

• 1:06:00Speaker 04

  We bought the first house in March. We bought the second house in July and we bought the third house in August.

• 1:06:06Caleb Hammer?

  Why don't you guys go from one to the other? Just, just, okay. So, okay. Go on.

• 1:06:11Speaker 03

  He wanted-

• 1:06:11Caleb Hammer?

  Wow. So this all happened.

• 1:06:12Speaker 03

  He wanted three.

• 1:06:13Caleb Hammer?

  This is all just happened.

• 1:06:15Speaker 03

  Oh, yeah.

• 1:06:16Caleb Hammer?

  Okay. So go on, tell me about this third.

• 1:06:18Speaker 04

  So the third one-

• 1:06:19Caleb Hammer?

  Oh my goodness. It's a crap then.

• 1:06:22Speaker 04

  Yeah. It's a, it was a definitely a shithole. It looks pretty good right now. Uh-

• 1:06:26Caleb Hammer?

  Okay.

• 1:06:27Speaker 04

  Uh, it's not on market.

• 1:06:28Caleb Hammer?

  So what did you buy it for?

• 1:06:29Speaker 04

  We bought that one for 200.

• 1:06:30Caleb Hammer?

  Uh, it's valued at like 228 ish. Uh, how much have you put into it?

• 1:06:34Speaker 04

  Uh, we're going to end up putting 176 into it.

• 1:06:37Caleb Hammer?

  Oh my goodness. That's almost double.

• 1:06:40Speaker 04

  Yeah.

• 1:06:41Caleb Hammer?

  Which is kind of crazy.

• 1:06:42Speaker 04

  Yeah. It's worth like 550.

• 1:06:45Caleb Hammer?

  Do you even know what worth is? You, you can't sell the house for what you think it's worth today. Your second house.

• 1:06:50Speaker 04

  Well, this is a good learning experience. All I'm saying is we haven't-

• 1:06:53Caleb Hammer?

  How can you tell me it's worth that?

• 1:06:54Speaker 04

  Because we have to get an appraisal before we buy the thing and the appraiser says, yeah, once it looks good and it doesn't look like a shithole, then it'll, it'll be worth 500, 550.

• 1:07:03Caleb Hammer?

  We will see. Okay. Um, good debt. So how much debt do you currently have that is just in those three? Or those two houses that have not been sold?

• 1:07:13Speaker 04

  Oh, let's-

• 1:07:14Caleb Hammer?

  On these deferred interest crazy things.

• 1:07:17Speaker 04

  Um, probably the payoff on, it's going to be like 870.

• 1:07:23Caleb Hammer?

  Geez.

• 1:07:24Speaker 04

  Uh, payoff on, it's going to be, so we've got, uh-

• 1:07:28Caleb Hammer?

  Why have you allowed this?

• 1:07:30Speaker 04

  Oh, I'm saying that. Yeah.

• 1:07:32Caleb Hammer?

  This is insane. Bro was not born for this life. Bro was born to work for someone else that actually knew what they were doing.

• 1:07:40Speaker 03

  Bam.

• 1:07:40Caleb Hammer?

  What the, your life is about to be destroyed. You guys own your own house.

• 1:07:45Speaker 04

  We do.

• 1:07:45Caleb Hammer?

  Good luck keeping it.

• 1:07:50Speaker 04

  Hey, you can't take it in bankruptcy court.

• 1:07:51Speaker 03

  I just have to.

• 1:07:54Caleb Hammer?

  Buddy, I'm just talking about you paying for it.

• 1:07:56Speaker 03

  I just, um, I just tried again to trust in his abilities.

• 1:08:02Caleb Hammer?

  No.

• 1:08:02Speaker 03

  This has been a test.

• 1:08:03Caleb Hammer?

  Trust has been broken. No trust. No trust. Trust in his abilities. He has no abilities. He has literally proved that. I'd be able to put some sand in and seal it on a floor, but he's not a businessman.

• 1:08:20Speaker 04

  Well, I definitely haven't, uh, proven myself so far, but I feel like I, uh, have learned a lot. So-

• 1:08:27Caleb Hammer?

  Listen, I mean, at some point, this is again, only after changing behavior, cause I don't advise the credit card transfers or the debt consolidation or personal loans until behavior's changed. It's a great tool. Same with bankruptcy or else you end up in the same situation. Once you guys have changed behavior on Calebhammer.com, there's great debt relief programs. There's great personal loans you guys look at, but only if you've changed your behavior. So check that out. And when you're ready to get a adult job, I'll get you a court screener certification as well. People in the audience have converted those into six-figure jobs. There's literally construction project management certifications on there. Lots of trade shit that people make so much money with. Like, come on, stop being pathetic. This is crazy. You're paying a shit ton of interest. Your minimum payment is 374.

• 1:09:12Speaker 04

  Look, in the grand scheme of things here, 374, like-

• 1:09:15Caleb Hammer?

  This is insane. Best buy. What's going on?

• 1:09:18Speaker 03

  Yeah. Uh, that's-

• 1:09:20Caleb Hammer?

  Oh, fees. That's good. Oh, interest. That's good. Oh, high balance. That's great. Oh, wonderful.

• 1:09:24Speaker 04

  I think it's all bullshit. I think it's-

• 1:09:26Caleb Hammer?

  Oh, past due. Why?

• 1:09:30Speaker 03

  Yeah, we have not paid that.

• 1:09:31Caleb Hammer?

  Why?

• 1:09:33Speaker 04

  Like I say, there was a couple of months there where we were a little touch and go on paying the mortgage and I was like, we're going to have to hold off.

• 1:09:39Caleb Hammer?

  Like I said, good luck keeping your house.

• 1:09:40Speaker 04

  Yeah.

• 1:09:42Speaker 03

  I've been paying the mortgage.

• 1:09:44Caleb Hammer?

  Yeah. For now.

• 1:09:48Speaker 03

  For now.

• 1:09:51Speaker 04

  I got this.

• 1:09:52Caleb Hammer?

  No, you don't. You've literally proven anything but.

• 1:10:01Speaker 03

  I don't know. I think you brought in a lot last month.

• 1:10:03Speaker 04

  Look, I feel like-

• 1:10:04Caleb Hammer?

  Yes, but guess what? That probably needs to go to paying last year's taxes. Because you guys can't manage shit.

• 1:10:09Speaker 03

  That-

• 1:10:10Caleb Hammer?

  Bro can't even take finasteride once a day. Like, I don't trust him to do anything.

• 1:10:14Speaker 03

  Don't ask what that is.

• 1:10:16Speaker 04

  I think it's bad for your dick, so.

• 1:10:18Caleb Hammer?

  Uh, depends. It's less than 1%. If it is bad for your dick, then don't take it. But for the majority of people, it's fine.

• 1:10:23Speaker 04

  Fair enough.

• 1:10:24Speaker 03

  If it's even a risk-

• 1:10:25Speaker 04

  Is that how you get the broccoli or?

• 1:10:27Caleb Hammer?

  Yeah, but you learn and you stop taking it and you're fine.

• 1:10:29Speaker 03

  Hmm.

• 1:10:31Caleb Hammer?

  Whatever's going on right now is not working. $485 a month. I think, no, that's, no, because you're three months behind. What is that? Okay. So, 16, 17. I think it's like 207 a month?

• 1:10:43Speaker 03

  I just haven't looked at that one at all.

• 1:10:45Caleb Hammer?

  Fees, interest, late fees. $200 this year so far. Thousand in interest. This is crazy.

• 1:10:51Speaker 03

  Holy shit.

• 1:10:53Caleb Hammer?

  Yeah, you're [BLEEP]. You've broken your lives, all for the sake of him not being able to run a business. This is crazy. Uh, you guys are just insane. But you didn't even get a Best Buy. What even was it?

• 1:11:04Speaker 04

  I think it was a 72-inch TV, a new phone, and, uh, and some blistering-

• 1:11:09Caleb Hammer?

  Well, they can't even pay their own [BLEEP] bills.

• 1:11:11Speaker 03

  At your laptop. You always forget about your laptop.

• 1:11:13Speaker 04

  Oh, yeah. Fair enough.

• 1:11:13Caleb Hammer?

  Oh my goodness, bro. You don't mind your mom for the first and second property flip?

• 1:11:18Speaker 04

  Yeah, on, uh-

• 1:11:19Caleb Hammer?

  Brother.

• 1:11:20Speaker 04

  San Antonio house.

• 1:11:21Caleb Hammer?

  Okay, this is disgusting. What is wrong with you? This poor mother. Why is she doing this? Why is she doing this? You just, why?

• 1:11:30Speaker 03

  It's my mom.

• 1:11:31Caleb Hammer?

  Oh, it's even worse.

• 1:11:35Caleb Hammer?

  Really? You guys are gonna laugh about that? What the [BLEEP] is wrong with you?

• 1:11:39Speaker 03

  I love my mom.

• 1:11:40Caleb Hammer?

  Do you?

• 1:11:41Speaker 03

  Yeah, I do.

• 1:11:41Caleb Hammer?

  I don't think anyone who loves their mom would do this. This is insane. You should be ashamed of yourself.

• 1:11:47Speaker 04

  Look, I'm, I'm with you.

• 1:11:48Caleb Hammer?

  How often do you see her?

• 1:11:50Speaker 04

  Uh, well-

• 1:11:51Speaker 03

  Often enough, every holiday.

• 1:11:52Speaker 04

  Often enough. It definitely makes Thanksgiving turkey taste a little funny.

• 1:11:56Caleb Hammer?

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

• 1:12:39Caleb Hammer?

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

• 1:13:20Caleb Hammer?

  Go to CalebHammer.com where the Caleb Hammer Financial Resources part of the pinned comment or description below and save a shit ton of money. Okay, you guys literally watched Dave Ramsey. I hear you guys saying Dave Ramsey shit. You are doing the opposite of everything he advises in every way whatsoever.

• 1:13:36Speaker 04

  No, I know. So, [BLEEP] I've been joking about this, uh, for a while, that, uh, I feel like I've got Robert Kiyosaki and Dave Ramsey just having a boxing match.

• 1:13:45Caleb Hammer?

  Kiyosaki? Rich Dad, Poor Dad, like one of the worst books I've ever read in my life? What are you talking about?

• 1:13:51Speaker 04

  Well, every, every successful real estate investor that I've talked to-

• 1:13:57Speaker 01

  Stay cozy and look cool with up to 60% off cold weather gear at Nordstrom Rack. Save on cashmere, outerwear, boots, and more from brands like Ugg, Vince, Kohan, and Hunter. Join the minority club for free to unlock exclusive discounts, shop clearance, and new arrivals first, and more. Plus, buy online and pick up at your favorite Rack store for free. Great brands, great prices. That's why you Rack.

• 1:14:22Speaker 04

  They all say that was their kind of formative book and that-

• 1:14:25Caleb Hammer?

  Okay, you're not a successful real estate investor.

• 1:14:27Speaker 04

  Obviously.

• 1:14:27Caleb Hammer?

  Rich Dad, Poor Dad is like a few hundred pages of, "The poor dad said, 'I'm gonna go spend everything on a credit card,' and the rich dad said, 'No, I'm gonna invest instead.'" Oh, crazy.

• 1:14:41Speaker 04

  What I took out of-

• 1:14:42Speaker 03

  It's blowing your mind.

• 1:14:43Speaker 04

  Yeah, what I took out of there was, "Don't ask if you can afford it, ask how can you afford it."

• 1:14:47Caleb Hammer?

  It's not even a real story, by the way.

• 1:14:49Speaker 03

  I, yeah.

• 1:14:50Caleb Hammer?

  Okay, so how'd this conversation go? "Hi, Mom. My failure of a bald husband needs $30,000."

• 1:14:58Speaker 03

  How did that conversation go? No.

• 1:15:00Caleb Hammer?

  And how does it go now with you owing her?

• 1:15:02Speaker 03

  No, she, she likes the property. She saw the vision. She, uh, she offered.

• 1:15:07Caleb Hammer?

  Oh, she's [BLEEP] too.

• 1:15:09Speaker 03

  Aww.

• 1:15:12Caleb Hammer?

  San Antonio tortas.

• 1:15:13Speaker 03

  No, she's in Midland.

• 1:15:16Speaker 04

  The Midland tortas.

• 1:15:19Caleb Hammer?

  Okay.

• 1:15:19Speaker 03

  She's not in San Antonio.

• 1:15:20Caleb Hammer?

  Got it.

• 1:15:21Speaker 03

  Oh, damn.

• 1:15:23Caleb Hammer?

  You have to be to give $30,000 for this. Crazy.

• 1:15:26Speaker 04

  Well, to be fair-

• 1:15:27Caleb Hammer?

  And what is she thinking now?

• 1:15:31Speaker 03

  Uh, probably the same thing I am, which is, "We're gonna trust in the process."

• 1:15:35Caleb Hammer?

  Oh my goodness, you guys are broken.

• 1:15:38Caleb Hammer?

  You should give up on this and practically give up on life, but don't do that in real life.

• 1:15:42Speaker 04

  When you say, "Okay, you gotta quit your, you gotta quit what you're doing and go get a job."

• 1:15:45Caleb Hammer?

  Yes.

• 1:15:46Speaker 04

  That right there is the number one reason why I can't do that.

• 1:15:49Caleb Hammer?

  You need to go get another job because you're pathetic with your money and you need to bring in money right now so you can start paying her back. Your failure of a man.

• 1:15:56Speaker 04

  "I need to finish the house in San Antonio, and once we sell it, then hopefully I can pay that back."

• 1:16:00Caleb Hammer?

  Yeah, good luck. Debt and debt and work two times. Good luck with the third.

• 1:16:03Speaker 04

  Yeah, that seems to be the-

• 1:16:05Speaker 03

  Third time's the charm.

• 1:16:06Caleb Hammer?

  No, it's not. Are you paying her back now? Minimums, anything?

• 1:16:12Speaker 04

  No, we're not making any payments.

• 1:16:13Caleb Hammer?

  Oh, you suck. You're a horrible son-in-law. You're the worst son-in-law. You're a horrible father. You're a bad partner. You're a bad man. You're a failure. You're a joke.

• 1:16:23Caleb Hammer?

  PCI, what is this?

• 1:16:25Speaker 03

  Uh, I think that's for the water softener that we got a couple of years ago.

• 1:16:29Caleb Hammer?

  Pathetic. Joke.

• 1:16:31Speaker 03

  Okay, yes. That, I mean-

• 1:16:33Caleb Hammer?

  And you listen to David Ramsey?

• 1:16:35Speaker 03

  I, I do like our water softener.

• 1:16:36Caleb Hammer?

  I give a [BLEEP] what you like.

• 1:16:38Speaker 03

  Well-

• 1:16:39Caleb Hammer?

  I like you keeping a roof over your head for you and your kids.

• 1:16:42Speaker 03

  Well, I would like for that roof to have a [BLEEP] water softener.

• 1:16:45Caleb Hammer?

  Okay, which one's more important?

• 1:16:48Speaker 03

  Well, hmm.

• 1:16:50Caleb Hammer?

  Hey, you're past due on the water softener because you're literally [BLEEP]. $109.22 a month. You're behind five months. Pathetic children.

• 1:17:01Speaker 03

  It has been about that long.

• 1:17:03Caleb Hammer?

  Homelessness is your future for you and three kids. Yeah.

• 1:17:07Speaker 04

  Not on my watch.

• 1:17:08Caleb Hammer?

  Keep laughing about it. Literally on your watch, actually, because of your watch. I would say your watch caused that.

• 1:17:14Speaker 04

  Well, I, I can't argue with you there, but, uh-

• 1:17:17Caleb Hammer?

  No, you can't.

• 1:17:18Speaker 04

  Yeah.

• 1:17:18Caleb Hammer?

  You're on financial audit with this paperwork and this debt.

• 1:17:22Speaker 04

  Yeah, I mean, again, we had it, we had a grand vision and, you know, I bought, I bought my own bullshit whenever I'm selling all these investment houses. I'm like, oh-

• 1:17:29Caleb Hammer?

  You're still-

• 1:17:30Speaker 04

  We're gonna make this money.

• 1:17:30Caleb Hammer?

  You're still following your vision, dude.

• 1:17:33Speaker 04

  I don't-

• 1:17:33Caleb Hammer?

  Your late fees is insane.

• 1:17:35Speaker 04

  At this point, I don't know how to change trajectory without burning a bunch of people in the, in the process, so I have to just take it to the finish line. And then I get to have the luxury of-

• 1:17:45Caleb Hammer?

  Foreclosed, bankruptcy, fresh start, and then pay back family as we can. Slate Edge, what's going on?

• 1:17:53Speaker 03

  That was, I think both of our Slate Edges were the balance transfers for the Barclays card.

• 1:18:01Speaker 04

  So we maxed that out twice?

• 1:18:02Speaker 03

  Yeah, we maxed that one out twice.

• 1:18:03Caleb Hammer?

  Oh, you guys suck. Okay. Yeah, it's maxed out $2,448.21. Major minimum of $40. Proud of you for that. Oh, there's been a late fee this year.

• 1:18:14Speaker 03

  Yeah, you bet that one on auto pay.

• 1:18:15Speaker 04

  I forgot to take it off auto.

• 1:18:16Caleb Hammer?

  No, there's been a late fee this year, so.

• 1:18:18Speaker 03

  Aw, dang it. It was probably overdrafted or something. It didn't go through.

• 1:18:21Caleb Hammer?

  Aw, shucks. Our life sucks. That's a bummer. Oh, no.

• 1:18:27Caleb Hammer?

  You guys are weird, man. Inc., what's happening?

• 1:18:31Speaker 03

  Chase Inc.

• 1:18:32Caleb Hammer?

  $40 fee. That's a late fee.

• 1:18:34Speaker 03

  Oh, that's your business. I don't know about that one.

• 1:18:36Caleb Hammer?

  Business account.

• 1:18:37Speaker 04

  Yeah.

• 1:18:38Speaker 03

  Yeah, that's yours. I don't know about that one.

• 1:18:40Speaker 04

  Max that out on-

• 1:18:41Speaker 03

  Yeah.

• 1:18:42Caleb Hammer?

  Jeez. So not, it's not even just like business loans, mortgages, anything that you're putting them on. High-interest shitty credit cards.

• 1:18:49Speaker 04

  Yeah.

• 1:18:49Caleb Hammer?

  Now, this is probably interest-free for a moment, it looks like, or maybe it's under deferral of some kind because, uh, your life sucks. But it is $4,729.11 with $475 being the payment.

• 1:19:04Caleb Hammer?

  And we've missed every month this year so far.

• 1:19:08Speaker 03

  Oh.

• 1:19:08Caleb Hammer?

  Wow.

• 1:19:09Speaker 03

  Yeah. Oh, every year? Yeah, yep, it is July.

• 1:19:11Caleb Hammer?

  And the interest starts accruing. Oh, two weeks ago.

• 1:19:15Speaker 03

  Aw, man, we were close. Kinda.

• 1:19:19Caleb Hammer?

  To what?

• 1:19:20Speaker 03

  I don't know, to possibly paying that off before the interest started hitting.

• 1:19:23Caleb Hammer?

  Nope. You're late every month this year so far. You suck, guys. You are the worst. Oh, we have another Slate Edge. Why not? Let's just start collecting them.

• 1:19:31Speaker 03

  Yeah, we-

• 1:19:32Caleb Hammer?

  You literally saw them open up all these credit cards and you're like, "Yep, that's the way."

• 1:19:35Speaker 03

  At the time, it was-

• 1:19:36Caleb Hammer?

  Personal, but no, that's actually never the way. That means the business is not working. Hey, late fee. Who would've thought? Okay.

• 1:19:45Speaker 04

  The initial plan was, we had a budget set aside for the rehab, and then the contractor screwed us on San Angelo.

• 1:19:51Caleb Hammer?

  How did you get screwed?

• 1:19:53Speaker 04

  Um, I gave him the $60,000 budget and we were $20,000 short, and he basically never came back. And so I had to go to San Angelo and live in a hotel, and we had to sleep on the floor in the house to finish it.

• 1:20:07Caleb Hammer?

  So you've told me about a lot of plans. I've never seen one result that has worked. It sounds like any plan you've ever had in your entire life has not worked. Maybe stop following your own plans because you don't know how to plan and you are a joke. And stop reading Robert Kiyosaki, who made up a story.

• 1:20:21Speaker 04

  Well, I don't know what to say other than I feel like you don't learn anything without doing anything.

• 1:20:27Caleb Hammer?

  It's time to give up because I'm a failure and it's time to grow up. And I'm gonna start my new life at 31 as an adult and get a [BLEEP] job because I can't do this shit myself.

• 1:20:38Speaker 03

  Boo.

• 1:20:41Speaker 04

  I'm probably gonna keep doing it, just so you know.

• 1:20:43Caleb Hammer?

  Really?

• 1:20:43Speaker 04

  Yeah, probably so.

• 1:20:44Caleb Hammer?

  You have poor kids.

• 1:20:46Speaker 03

  Well.

• 1:20:47Caleb Hammer?

  And why, why should I even finish this shit, dude? You're- Dave would tell you not to. I would tell you not to.

• 1:20:55Speaker 03

  Yeah, that's not a sir.

• 1:20:56Caleb Hammer?

  Ramit would tell you not to. Gramathan would tell you not to. Everyone in the world would tell you not to who talks about money online. No reasonable person, no person that spends their life thinking about this shit, studying this shit, reading about this shit, would tell you to do this. Would Robert tell you to do this? I don't even think so. With your failure record, doubt it. Rich Dad, Poor Dad, you're [BLEEP] dad.

• 1:21:21Speaker 04

  Hey, everybody's gotta file bankruptcy at least once.

• 1:21:23Caleb Hammer?

  Nope.

• 1:21:27Speaker 04

  You can be President of the United States with like three or four of those.

• 1:21:30Caleb Hammer?

  Okay, well, he has, he's a billionaire. You're a negative tens of thousands and a failure of debt.

• 1:21:41Speaker 04

  My kids love me, by the way.

• 1:21:43Caleb Hammer?

  He's two and a half. He doesn't know anything.

• 1:21:46Speaker 04

  He knows that I'm the best.

• 1:21:48Caleb Hammer?

  For now, until he resents you for the rest of his life, once he starts learning how horrible mom and dad's relationship is and how dad caused all the stress and struggle. Okay, your net worth is negative 1.3 million.

• 1:22:04Speaker 04

  That sounds about right.

• 1:22:05Caleb Hammer?

  Right. Yeah, you suck at everything.

• 1:22:08Speaker 03

  Okay.

• 1:22:10Caleb Hammer?

  Yeah, stay with that. That's really working. This makes no sense. Okay, city, what's going on?

• 1:22:16Speaker 04

  Built another balance transfer card.

• 1:22:18Speaker 03

  Yeah, I think so.

• 1:22:18Caleb Hammer?

  Why not? $5,126 with a minimum monthly payment, $306. Sure.

• 1:22:28Caleb Hammer?

  Transferred, built it up. That's why I don't want you to use any of our services that adults can use, but you're not adults. You haven't proven your behavior. You build up every balance that you transfer, then build up your previous balance.

• 1:22:38Speaker 04

  Look, I don't plan on ever using debt again, and I don't think-

• 1:22:41Caleb Hammer?

  A plan? A plan of yours?

• 1:22:43Speaker 04

  Well-

• 1:22:43Caleb Hammer?

  I don't think you should follow it. It's not gonna work out.

• 1:22:46Speaker 04

  If it makes you feel any better, I don't think anybody's gonna give me any more, any more debt, so-

• 1:22:50Caleb Hammer?

  No one should?

• 1:22:51Speaker 04

  Yeah.

• 1:22:53Caleb Hammer?

  Why are you with him? Doesn't support you emotionally, calls you bad words, is literally the worst businessman I've ever met in my life, and isn't even there for his family. Why are you there?

• 1:23:04Speaker 03

  I do love him.

• 1:23:06Caleb Hammer?

  Why?

• 1:23:06Speaker 03

  Love him a lot.

• 1:23:08Caleb Hammer?

  I don't understand how at this point.

• 1:23:09Speaker 03

  Well, he's my best friend.

• 1:23:11Caleb Hammer?

  How? You guys don't hang out, and when you do, you cry.

• 1:23:13Speaker 03

  We do. No, that was an overstatement.

• 1:23:16Caleb Hammer?

  According to the, literally hours of, five times a week, it's like-

• 1:23:20Speaker 03

  No.

• 1:23:21Speaker 04

  We stopped doing that, mostly because I stopped doing that two weeks ago.

• 1:23:25Speaker 03

  Well, okay. We've shortened them. I have started walking away.

• 1:23:29Caleb Hammer?

  Let's see how it works two months from now.

• 1:23:33Speaker 03

  I've started walking away from the conversations because-

• 1:23:35Caleb Hammer?

  She loved him so much, she met with a divorce lawyer two weeks ago.

• 1:23:41Speaker 03

  Yeah.

• 1:23:41Caleb Hammer?

  Classic love. So romantic.

• 1:23:46Speaker 04

  Well, I feel like 50% of all marriages end in divorce and-

• 1:23:50Caleb Hammer?

  Yeah, and you are headed that way. It's closer than most.

• 1:23:52Speaker 04

  The other 50% of all thought about it, so.

• 1:23:55Speaker 03

  Yeah, I agree with that.

• 1:23:57Caleb Hammer?

  Yeah, but most of them don't meet a lawyer.

• 1:24:00Speaker 04

  That's fair.

• 1:24:00Caleb Hammer?

  And it's not 50% of like all marriages ever. That's heavily skewed by like the young and early married, where you guys are 10 years in, your expectancy is

• 1:24:10Speaker 03

  I thought the average-

• 1:24:11Caleb Hammer?

  Much higher.

• 1:24:11Speaker 03

  Average, um, age of marriage, whenever they get divorced is, uh, like 19 years of marriage because like they'll stay for the kids and-

• 1:24:19Caleb Hammer?

  If you take average, I mean, you know how averages work, though. Averages are so flawed and skewed. Okay, student loans. Who has student loans? It looks like you do.

• 1:24:27Speaker 03

  Yes.

• 1:24:28Caleb Hammer?

  Okay.

• 1:24:33Caleb Hammer?

  $5,927 for what? For popping things out of your vagina? And then making that your entire life?

• 1:24:41Speaker 03

  For, no, I-

• 1:24:42Speaker 04

  Birth center, probably.

• 1:24:43Speaker 03

  What? No, this-

• 1:24:45Caleb Hammer?

  What are your student loans for? What did you study?

• 1:24:47Speaker 03

  Ecology degree.

• 1:24:49Caleb Hammer?

  Bloody, you can't even handle a conversation. You're, yeah, good thing you don't do anything with it. $397.20 past due. They will start defaulting and pull from your taxes.

• 1:25:01Speaker 03

  Oh, yikes, I didn't know that. I did want to keep paying on that one, but you-

• 1:25:04Caleb Hammer?

  You probably should, but instead you guys are being horrible with your business.

• 1:25:10Speaker 03

  You said four walls. That's what I paid.

• 1:25:13Caleb Hammer?

  They won't be soon. Do you guys not understand that? Your mortgage is almost missed constantly. You just spent $1,800 on a personal training certificate. That four walls? Yeah, are you sure? No, you're not even paying your previous student loans.

• 1:25:25Speaker 03

  That one's on payments, though.

• 1:25:27Caleb Hammer?

  Everything's on payments. That's your guys' life. You guys are broke and you guys are headed towards the end.

• 1:25:33Speaker 04

  She wanted the certificate. Who am I to tell her no? I spend $1.3 million on houses if she wants $1,800 on some-

• 1:25:41Caleb Hammer?

  Oh, okay, you guys are perfect for each other, actually. Okay, we have an auto statement. $25,600, or I guess payoff amount, $818.14 with a minimum monthly payment of $571.79.

• 1:25:57Speaker 00

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

• 1:26:23Speaker 04

  I think that's my truck.

• 1:26:24Speaker 03

  Yeah.

• 1:26:25Caleb Hammer?

  Okay, great. You're underwater by $10,000.

• 1:26:29Speaker 04

  That sounds about right. It's kind of a piece of shit.

• 1:26:30Caleb Hammer?

  What's the interest rate? Just like you.

• 1:26:32Speaker 04

  I have no idea, like 13, 14, I have no idea.

• 1:26:34Caleb Hammer?

  Oh, you are a piece of shit.

• 1:26:35Speaker 03

  I thought it was eight.

• 1:26:37Speaker 04

  I have no idea.

• 1:26:38Caleb Hammer?

  We don't even know anything. We can't even read, dude.

• 1:26:42Speaker 03

  I thought it was eight.

• 1:26:44Speaker 04

  I kind of don't care.

• 1:26:45Caleb Hammer?

  You don't care?

• 1:26:47Speaker 04

  Well, I mean-

• 1:26:48Caleb Hammer?

  What a father. What a good man. What a good partner you are.

• 1:26:53Speaker 03

  He doesn't mean that. He cares.

• 1:26:57Speaker 04

  About the interest rate, if it's 13 or eight, eh.

• 1:26:59Caleb Hammer?

  I'm being told there's like a new car situation?

• 1:27:02Speaker 03

  Yes.

• 1:27:02Caleb Hammer?

  What?

• 1:27:02Speaker 03

  We did, um-

• 1:27:04Caleb Hammer?

  You guys not know you're literally poor?

• 1:27:07Speaker 04

  Like, so poor.

• 1:27:09Caleb Hammer?

  So what is with the new car?

• 1:27:11Speaker 03

  Um, so my old car, my beautiful Volkswagen Golf GTI,

• 1:27:19Speaker 03

  broke down and stopped working.

• 1:27:21Speaker 04

  Blew the motor.

• 1:27:21Speaker 03

  Blew the motor. One cylinder.

• 1:27:23Speaker 04

  No oil change.

• 1:27:23Speaker 03

  Yeah.

• 1:27:24Speaker 04

  Ever.

• 1:27:24Speaker 03

  Excuse me, I changed the oil.

• 1:27:27Speaker 04

  It-

• 1:27:28Speaker 03

  I put oil in her all the time.

• 1:27:30Speaker 04

  She's dead now.

• 1:27:31Speaker 03

  She's, I know. I know she's dead.

• 1:27:36Caleb Hammer?

  What?

• 1:27:37Speaker 04

  So then she had to-

• 1:27:38Speaker 03

  Okay, I'm sorry. Okay, so we took her to the dealership and my father was there and he was like, let's get you a new one. And with my credit, because our credit is bad, and we were like, okay. We took him up on his offer, so it's under his name. We do make the payments. We've only made one payment because it, we just got it.

• 1:28:00Speaker 04

  Brand new 2026, uh, third row seating Volkswagen Atlas.

• 1:28:04Caleb Hammer?

  In his name?

• 1:28:06Speaker 03

  Yeah, it's in my father's name.

• 1:28:07Caleb Hammer?

  Uh, what's owed?

• 1:28:09Speaker 04

  Like 43?

• 1:28:10Speaker 03

  I think it's 43.

• 1:28:11Caleb Hammer?

  It's worth 34.

• 1:28:14Speaker 03

  Then it's, I don't know.

• 1:28:16Caleb Hammer?

  What's your payment?

• 1:28:17Speaker 03

  It's 731.

• 1:28:18Caleb Hammer?

  And you paid to him?

• 1:28:20Speaker 03

  Yes, we pay, we just pay it online, or we-

• 1:28:23Caleb Hammer?

  First payment, you're not gonna be able to pay more. You can't afford, you're behind on like 30 debts.

• 1:28:29Speaker 04

  Yeah.

• 1:28:30Speaker 03

  Yeah.

• 1:28:31Caleb Hammer?

  And you're gonna him?

• 1:28:33Speaker 03

  No.

• 1:28:34Caleb Hammer?

  Yes, you are.

• 1:28:35Speaker 03

  No.

• 1:28:36Caleb Hammer?

  Hey, you can't say no. You're literally behind on other payments. How are you gonna make this payment that is higher than every single payment we've talked about so far?

• 1:28:43Speaker 03

  We prioritize that payment.

• 1:28:44Caleb Hammer?

  That's impossible. That's literally 734 or whatever, and you'll, what, 45? What the? How'd you get a $45,000 car? You couldn't afford that. Get a $10,000 car, old car. What the, what the fuck's wrong with you?

• 1:28:57Speaker 04

  She wanted it.

• 1:28:58Caleb Hammer?

  I don't care. Oh, you guys have no self-control? You guys can't say no to each other, to yourselves?

• 1:29:08Speaker 03

  No, I could say no. I could have said no.

• 1:29:10Caleb Hammer?

  But you did it.

• 1:29:11Speaker 03

  No, I didn't. I, no.

• 1:29:13Caleb Hammer?

  Oh, my goodness.

• 1:29:14Speaker 03

  My father really wanted me to have it, too.

• 1:29:16Caleb Hammer?

  Oh, your dad encouraged this, just like your mom's a who you already fucked over. And that, oh my goodness, you guys are, you guys are bad people. You guys are bad people.

• 1:29:25Speaker 03

  God knows my heart.

• 1:29:27Caleb Hammer?

  Yeah, and that you're a bad person. Look how you're abusing your parents, literally, financially.

• 1:29:36Caleb Hammer?

  You have a, so your 2017 GTI?

• 1:29:39Speaker 03

  Yes.

• 1:29:39Caleb Hammer?

  What's up with it?

• 1:29:40Speaker 03

  Uh, she is running on one cylinder.

• 1:29:43Caleb Hammer?

  Okay, just get rid of it, sell it or something.

• 1:29:45Speaker 03

  No, I'm never selling it. No.

• 1:29:46Caleb Hammer?

  Okay, great.

• 1:29:47Speaker 03

  No, it's my waifu car. I love that car.

• 1:29:49Caleb Hammer?

  Prioritize her wants and desires over anyone else. So $2,000 in this checking account, looks like it was for the third property flip. Why are we getting coffee and coffee?

• 1:29:59Speaker 04

  I'm driving to the business.

• 1:30:00Caleb Hammer?

  IRS, get him. I'm so done with this. I'm so done with him. He needs to learn his lesson and be put under the ground financially. Well, he already is. Savings, seven cents, of course.

• 1:30:11Speaker 03

  Oh, my god.

• 1:30:14Caleb Hammer?

  Yeah, your life's a joke. You should be embarrassed and probably, um-

• 1:30:20Speaker 03

  Jesus.

• 1:30:21Caleb Hammer?

  You know?

• 1:30:22Speaker 03

  Mm-hmm.

• 1:30:23Caleb Hammer?

  Oh, real estate loan, $690,000. It was this the loan you were telling me about?

• 1:30:28Speaker 04

  Yeah, that one's on the Fort Worth house.

• 1:30:29Caleb Hammer?

  Oh, $690,000 at 13%.

• 1:30:35Speaker 04

  Yeah. It's gone on too long now, and I think the payoff is more like 870, something like that.

• 1:30:45Caleb Hammer?

  I've never seen anything like that in my life. You're ruined. You guys are ruined.

• 1:30:53Caleb Hammer?

  That's it.

• 1:30:53Speaker 04

  Yeah, no, I look.

• 1:30:54Caleb Hammer?

  I know the goal. I don't give a about the goal.

• 1:30:56Speaker 04

  Yeah, the goal right now is to finish.

• 1:30:57Caleb Hammer?

  No, I don't care. No, that's impossible. You're done. You're ruined. I don't think there's a way. Dude. Uh, good luck. New like 6,000 bucks or whatever to the birthing center by October. While making the payment to the Dan, while allowing this to continue to accrue. When is the payment going to be required on that? On the A70? That it is ballooned to?

• 1:31:19Speaker 04

  Um. It's a good question. Depends on if files foreclosure or if we sell it.

• 1:31:26Caleb Hammer?

  Okay, we have 30,000 for this third property flip. Note secured to deed. We're just gonna take out debt, debt, debt, debt, debt, which is why you're gonna lose money again.

• 1:31:34Speaker 04

  Second position loan on the Fort Worth house.

• 1:31:36Caleb Hammer?

  Glad you prefer this over keeping a roof over your head, kid. Do you have payments on this now or is it in a post?

• 1:31:44Speaker 04

  Uh, deferred payments. Pay close.

• 1:31:46Caleb Hammer?

  Is it accruing interest?

• 1:31:48Speaker 04

  Um, I think so, but it kind of done.

• 1:31:50Caleb Hammer?

  40,000 at this point?

• 1:31:54Caleb Hammer?

  Yep. It's already gone up by 5,000.

• 1:31:59Caleb Hammer?

  He didn't even know. He can't even tell me he's gonna make a profit if he doesn't even know, dude. This checking account, personal account, 196 dollars to their name.

• 1:32:08Caleb Hammer?

  And yeah, we're still getting Starbucks. Going inside getting energy drinks, it looks like, for $3.78.

• 1:32:13Speaker 04

  How are we supposed to paint walls? Raw dog in the life.

• 1:32:16Caleb Hammer?

  Well, I'll tell you how. Gamer Subs.

• 1:32:18Speaker 04

  Hell, yeah.

• 1:32:19Caleb Hammer?

  Gamer Subs, 40 cents a serving, much cheaper with our discount code, link in the description below. Check it out. Get your free samples, figure out what flavor you like. But of course, I don't know why they did not put this in this episode. We have failed. When you pick a flavor, you probably should pick my flavor, liquid assets. It is, in my personal opinion, because I curated the flavor, my favorite flavor. But check it out. Get that liquid asset, 40 cents a serving for your energy drinks instead of being this dumbass at $3.79. Uh, and we got $20 to Spotify and Starbucks and Starbucks and Chick-fil-A. Big Rock, Starbucks, Chick-fil-A. They're poor. They're prioritizing this over their kid's future.

• 1:33:00Caleb Hammer?

  Haven't even paid for the birth in center of their next payment, uh, their next child, the down payment. Coffee company, Pete Terry's Burgers, Amazon, bullshit, coffee, coffee, McDonald's, energy drink, Andy's Frozen Custard, Amazon, Starbucks, coffee.

• 1:33:16Speaker 03

  My ice cream's on.

• 1:33:17Caleb Hammer?

  Energy drink, energy drink, energy drink, Specs Liquor. Coffee, Amazon, Amazon, Amazon, Amazon, coffee, coffee, Schatzke's, Andy's Frozen Custard, coffee, energy drink, energy drink. A subscription, coffee, Pete Terry's Crunchyroll, bullshit, energy drink, coffee, Pete Terry's, Etsy.com, coffee, Pete Terry's. You guys should be ashamed of yourselves. You guys are actually disgusting parents and individuals and failures in life. Negative 139 dollars in this checking account.

• 1:33:54Speaker 04

  They don't cut your hands off.

• 1:33:54Caleb Hammer?

  Pete Terry's, Whataburger, energy drink, vape and smoke. Yeah, let's just dies while we're, while we're at it. The Shack, Pete Terry's, Big Rock, Whataburger, Chick-fil-A, coffee. My, we're negative in this account. Coffee, bullshit, Guadalajara Mexican, Pete Terry's, Chick-fil-A, Starbucks.

• 1:34:15Speaker 03

  That's actually a lot more than I.

• 1:34:16Caleb Hammer?

  Chick-fil-A.

• 1:34:17Speaker 04

  We're kind of bad.

• 1:34:20Caleb Hammer?

  End your relationship. McDonald's, energy drinks, in my card. Marriage in real life.

• 1:34:27Speaker 04

  Actually.

• 1:34:29Speaker 03

  Yeah, that's.

• 1:34:33Caleb Hammer?

  Yeah, what am I, estimated funds needed to closing? Do we already have this? Or this is a new debt, right?

• 1:34:38Speaker 04

  Uh, that's probably the loan paperwork for the San Antonio house.

• 1:34:41Caleb Hammer?

  For a different debt that we haven't seen, so.

• 1:34:45Speaker 04

  That'd be the San Antonio flip.

• 1:34:47Caleb Hammer?

  You funded it with 203,000. How'd you get that? Oh, no, purchase price is 200. Estimated error. Find it. Okay.

• 1:34:55Caleb Hammer?

  Okay, so loan amount. 371,749. What's your minimum?

• 1:35:01Speaker 04

  Uh, that one is like 4,050 dollars a month.

• 1:35:06Caleb Hammer?

  How are you paying that?

• 1:35:07Speaker 04

  Working really, really hard.

• 1:35:09Caleb Hammer?

  Oh, yeah. 3,700, uh, 371,749. Where's y'all's mortgage, your personal mortgage? Wait, okay. And then what are these debts? Like this 40,000, 40,881. What are these?

• 1:35:29Caleb Hammer?

  Are those new debts, separate debts?

• 1:35:31Speaker 03

  Second property. This is the second property flip.

• 1:35:33Speaker 04

  Oh, um, no, I don't know what that is. I think that's all the money. Yeah, that's the money coming in and out for the.

• 1:35:40Caleb Hammer?

  No, buddy, this is total amount, like due, total amount due. Look, highlighted at the top, asshole.

• 1:35:47Speaker 04

  Oh, that was the property taxes for the San Antonio flip that they issued a third loan on.

• 1:35:56Caleb Hammer?

  Okay, so it looks like you're, okay, okay, okay, okay. You owe a total of 88173. Got it.

• 1:36:05Caleb Hammer?

  Rocket mortgage, this must be your mortgage.

• 1:36:07Speaker 04

  There it is.

• 1:36:08Speaker 03

  Yes.

• 1:36:08Caleb Hammer?

  Good luck keeping it.

• 1:36:09Speaker 04

  It's a lot of papers.

• 1:36:10Speaker 03

  I was about to say.

• 1:36:11Caleb Hammer?

  Yeah, you have an 8% mortgage.

• 1:36:14Speaker 03

  Yeah.

• 1:36:14Caleb Hammer?

  154,000, 147 dollars.

• 1:36:18Speaker 04

  Like we had a 4% mortgage and then we refinanced.

• 1:36:21Caleb Hammer?

  You guys suck at everything. 1,423.06.

• 1:36:28Caleb Hammer?

  Sick.

• 1:36:31Caleb Hammer?

  I'm sorry, guys. Here's the reality. And this is it. Cause what the are we doing here? These minimum debt payments, I mean, once those, especially deferred, start hitting, guys, I mean, we're like, what, 3,000? 4,000 hours a month in minimum debt payments before those payments start hitting? You're not setting aside money for taxes. Everything's a mess. I don't have the business books, really.

• 1:36:56Caleb Hammer?

  I would sell this as quick as you can. How much longer for the renovation?

• 1:36:59Speaker 04

  If everything goes as planned, we should be done by.

• 1:37:01Caleb Hammer?

  Your plans fail.

• 1:37:02Speaker 04

  I know. Yeah, it should be done by the middle of August and hopefully.

• 1:37:07Caleb Hammer?

  Okay, so let's call it fall. Sell the house. Hopefully make a profit.

• 1:37:13Caleb Hammer?

  I'd go through bankruptcy on everything. Just default on everything. I would just, I, I'm done. I would just be done. You guys suck. And until then, follow a tight budget, only paying on y'all's mortgage. Other than that, foreclose on the second. I just, just consider it the biggest mistake of our life. Wipe the slate clean, start over. Except you won't because he said he's gonna continue doing this forever, which is why, why even make a budget? Why even deal with these? They're not changing anything. They're gonna be failures for the rest of their lives and their kids will deal with the consequences, not them. And it's a pathetic joke. Pathetic joke. But here's the thing, in the post show.

• 1:37:52Caleb Hammer?

  She doesn't know about something he just did? And we're gonna go into it regarding two new properties. And I'm gonna go through their text message history as well and see the shit they're fighting about. Get back into that crap. Cause I don't think they're completely open and honest in the conversation, so we'll see. We'll do that in the post show. Join Hammer Elite. Let's get their Hammer Financial Score first. Get yours at CalebHammer.com. Spending in a budget, overspent, 0 out of 10, debt? It's basically as bad as it gets. I mean, you're gonna get foreclosure on 0 out of 10. Emergency fund, nothing to save, 0 out of 10 retirement, nothing. Real estate? Well, yeah, sure, you get a score, yeah, 1 out of 10, because it's a mess.

• 1:38:32Speaker 04

  We have.

• 1:38:32Caleb Hammer?

  Hammer Financial Score, 0.5 out of 10. Get yours at CalebHammer.com. Join Hammer Elite by clicking that join button or clicking the link in the description below. Three premium shows every single day, six days a week, over 100,000 members for a reason. It is incredible. It's the best membership you'll ever join. Breaking down the Hammer Elite app or go to HammerElite.com. I'll see you guys in the post show. He's under contract for two new properties?

• 1:38:51Speaker 04

  The goal is obviously to sell them, but if we.

• 1:38:53Speaker 03

  What do you mean by that?

• 1:38:54Speaker 04

  Look, if you're already, you can't anymore. Worst case scenario, we file bankruptcy, so who cares? The numbers work on this one.

• 1:39:01Caleb Hammer?

  Oh. Yeah, the minus 1.3 million? Look at her fucking fit. You're, you are so nonchalant about this and this is destroying her. I just launched the brand new Hammer Elite app available on every major platform. So you can watch every show anywhere you want. You'll get three exclusive dedicated shows every single day, Monday through Saturday. Refer a friend after you sign up and you get an additional 30 days of Hammer Elite access for free. Download the Hammer Elite app by using the link in the description or 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,

• 1:39:44Caleb Hammer?

  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. Stonefire naan is made with real buttermilk and ghee. It's the perfect flatbread for any occasion.

• 1:40:00Speaker 05

  I put out Stonefire naan with dips at every dinner party. I make naan grilled cheese when my daughter has friends over. I use Stonefire naan to reward the humans who do my bidding. Right. It's perfect for camping trips. Dance for it, feeble mortal. Sorry, is he talking to me or? Dance.

• 1:40:18Caleb Hammer?

  Ha, ha, ha, ha, ha. From our tradition to yours, Stonefire. Together we naan.