The CRAZIEST Reveal In Financial Audit History

💰 *Download Dollarwise 6.0 Is Now LIVE* - Big Deals, New Features, Free Trial: https://bit.ly/46fiDYP THESE MESSAGES BETWEEN THEM ARE *INSANNEEEEE* - I go through all of their texts, and it's a complete mess. No way they are staying together... watch here: ➡️ https://bit.ly/chpostshow ============================= 🔥 Un-F*ck your finances in 2-minutes → https://bit.ly/3JCuwPS ============================= 👉 Checking & Savings: Get up to a $350 bonus with a new Chime® Checking account, and earn up to 3.50% APY on your savings: https://secure.moneymatchup.com/350-bonus 🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb ============================= Master Your Money with Caleb Hammer ============================= ⚡️Budget YOUR dream life with my simple courses: ➡️ https://bit.ly/calebhammer ⚡️Check out all of my custom Financial Audit merch: ➡️ https://bit.ly/caleb-merch ============================= *Check Out My Resources* ============================= 👉 Get a $40,000 cash bonus by investing with Webull! https://www.webull.com/k/Caleb 👉 Checking & Savings: Get up to a $350 bonus with a new Chime® Checking account, and earn up to 3.50% APY on your savings: https://secure.moneymatchup.com/350-bonus 👉 Land a high-paying job with no experience or degree: ➡️ https://coursecareers.com/CalebHammer 👉 Get $20 from Acorns for free: ➡️ https://acorns.com/caleb 👉 First 100,000 Mine (formerly Fizz) sign-ups with code HAMMER10 get $10: https://www.usemine.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 👉 Get an exclusive HighLevel 30-day trial: https://gohighlevel.com/calebhammer ============================= *Want to be a guest on Financial Audit?* ============================= 👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply *Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. Sponsorship and business inquiries: [email protected] Learn more about your ad choices. Visit megaphone.fm/adchoices

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

• 0:00Speaker 00

  This episode is brought to you by Indeed. You're ready to level up your business, but the pressure to find the right person to make that happen is intense. Indeed sponsored jobs can help carry the load. It boosts your job post to help it reach quality talent fast. Cut through the chaos with Indeed sponsored jobs. Get a $75 sponsored job credit at indeed.com/podcast. Terms and conditions apply. Hiring now? Then this is a job for Indeed sponsored jobs.

• 0:30Speaker 01

  Visible puts the ultimate wireless hack in the palm of your hand. With unlimited 5G wireless data and hotspot, designed to keep you connected, powered by Verizon's 5G network. And no contract holding you back. Plans start at $25 a month, or get the premium Visible Plus Pro plan and save $10 on your first month when you use promo code HACK. Make the switch at visible.com. Terms apply. See visible.com for details.

• 0:59Caleb Hammer?

  To watch episodes of Financial Audit a week earlier, check us out on YouTube. You are not able to define what is going on in this relationship very well at all.

• 1:06Speaker 03

  Because last time we had a big fight was a couple of weeks ago when she started talking to another man.

• 1:12Speaker 04

  It was an old friend from high school.

• 1:15Speaker 03

  You didn't make it sound like a friend.

• 1:17Speaker 04

  He can check my phone because I know he has his doubts.

• 1:21Speaker 03

  But it did happen a couple of years ago. It's the same guy.

• 1:27Speaker 03

  She sent him [BLEEP] in 2023.

• 1:31Speaker 03

  She told me she's only talked to him on Discord, but that's just the voice. She still talks to him on Snapchat.

• 1:36Caleb Hammer?

  Whoa, okay.

• 1:39Speaker 04

  And all of the messages are where you can see them.

• 1:42Speaker 03

  Because I made it that way.

• 1:45Caleb Hammer?

  Dollar Wise 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, but only through March 31st. Take a free three day 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 50% discount. And with the annual, you get my budget friendly cookbook and my brand new 30 day detailed budget meal plan signed by me and mail directly to you. After March 31st, the cookbook is going away forever, so this is literally your last chance. And if you're feeling extra sexy, become one of the Founder 500 purchasers to get my Founder Box featuring a bunch of goodies plus lifetime access to Dollar Wise Premium. Don't miss the opportunity of a lifetime. Download Dollar Wise and start your free trial. Go to dollarwise.com or click the link below.

• 2:27Speaker 04

  My name's Luna. I'm 23.

• 2:29Caleb Hammer?

  I'm Alphonse. I'm 29, from Tulsa, Oklahoma.

• 2:31Speaker 04

  And this is Financial Audit.

• 2:34Caleb Hammer?

  Thanks for coming down to Austin, guys. What do we do in Tulsa, Oklahoma for a living? Let's start with you, Luna.

• 2:40Speaker 04

  I work in a fast food restaurant.

• 2:43Caleb Hammer?

  Okay, you do have fast food restaurant vibes in you. Like, I don't know how to explain that, but it's like if I pull up to the McDonald's, you'd be the one white out of all the Mexicans?

• 2:52Speaker 04

  Not quite McDonald's.

• 2:53Caleb Hammer?

  Okay, you don't want to say which one. And that's okay, right? It's drive-through based.

• 2:57Speaker 04

  Drive-through based.

• 2:58Caleb Hammer?

  McDonald's is... Okay.

• 3:00Speaker 04

  Solely drive-through.

• 3:01Caleb Hammer?

  Like drive-through stalls. Uh huh, gotcha. Okay, what do you do? What's your position there?

• 3:05Speaker 04

  I'm a chef manager.

• 3:06Caleb Hammer?

  Okay, so maybe making some money.

• 3:09Speaker 04

  I tell people what to do.

• 3:10Caleb Hammer?

  Hopefully that's a little more money. Oh, I see. We got a cute couple shirt. I didn't notice this is what we were in.

• 3:18Caleb Hammer?

  Yeah, hopefully we're in love then. That'd be good. I don't want people on who aren't in love. So what do you make in this position?

• 3:24Speaker 04

  Right now I'm at 1525, but...

• 3:28Caleb Hammer?

  Well, Tulsa, it's not one of the more expensive cities, so 1525 certainly stretches further than like 1525 in Austin or Dallas or Atlanta. So, okay, 1525, how many hours a week do you get in?

• 3:39Speaker 04

  35 to 40.

• 3:41Caleb Hammer?

  Why's it 35 to 40? Why is it not 40? You're the schedule manager. Schedule yourself for 40.

• 3:45Speaker 04

  I have a manager above me that does the schedule and we're not supposed to have overtime technically. So she tries to schedule... She schedules 40 hours, but we have to take breaks. So if I don't take all of my breaks, I get closer to 40. If I take all my breaks, I get closer to 35.

• 4:03Caleb Hammer?

  So what hits your account per pay cycle?

• 4:05Speaker 04

  I get paid every week.

• 4:06Caleb Hammer?

  And what's that hit?

• 4:08Speaker 04

  It hits on Friday.

• 4:09Caleb Hammer?

  440 a week. Okay, thank you. 430 a week. 430 a week is actually kind of brutal. 1052 divided by 12. I'm gonna say that's $1,863 a month net average.

• 4:22Speaker 03

  Yeah.

• 4:22Caleb Hammer?

  Some weeks are, some months are longer, more weeks, some are shorter.

• 4:26Speaker 03

  Her health insurance is over expensive compared to other places. It's, she's getting screwed with health insurance.

• 4:33Caleb Hammer?

  You guys not married?

• 4:34Speaker 03

  Not yet, no.

• 4:35Caleb Hammer?

  Are you getting married? How long have you guys been together?

• 4:37Speaker 03

  I've been together five years. Uh, I proposed officially last year.

• 4:42Caleb Hammer?

  We're engaged?

• 4:43Speaker 03

  Yes.

• 4:43Caleb Hammer?

  When are you guys, congratulations. When are you guys getting married?

• 4:45Speaker 03

  We don't know yet. We're, we gotta figure out finances first.

• 4:49Caleb Hammer?

  Well, I would say so, cause $1,863 ain't gonna make you very far. So, Mr. Alphonse, you better be making a shit ton. Please tell me, what do you do?

• 4:59Speaker 03

  Uh, I'm a line cook, part-time.

• 5:02Caleb Hammer?

  You also look like that. You guys look like your jobs.

• 5:05Speaker 03

  Yeah.

• 5:06Caleb Hammer?

  I don't know how this is possible, but you look at your, well, that's good. What kind of line cook?

• 5:09Speaker 03

  Uh, I, I love.

• 5:11Caleb Hammer?

  If you love cooking, what kind of cooking you doing?

• 5:13Speaker 03

  Uh, burgers.

• 5:14Caleb Hammer?

  Okay. Um, is it like an Applebee's?

• 5:17Speaker 03

  Yeah, type. Yeah, it's Chili's.

• 5:20Speaker 01

  Hi, welcome to Chili's.

• 5:22Caleb Hammer?

  Oh, well.

• 5:23Speaker 03

  Same thing. They're same, exact thing.

• 5:24Caleb Hammer?

  Yeah. Hey, if you love cooking.

• 5:26Speaker 03

  I do.

• 5:26Caleb Hammer?

  It's not the place I'd be, cause isn't it a lot of it like frozen? But that's okay. I respect you.

• 5:31Speaker 03

  Jeff Mike is used a lot. He's, he's our best chef.

• 5:33Caleb Hammer?

  Used a lot.

• 5:33Speaker 04

  If we need more time away from each other and doing work, we do DoorDash.

• 5:37Caleb Hammer?

  If you need more time away from each other.

• 5:38Speaker 04

  Yeah.

• 5:39Caleb Hammer?

  So we need more time away from each other than people that are engaged.

• 5:41Speaker 04

  Down.

• 5:42Caleb Hammer?

  Maybe that's why we haven't gotten, cooled down. Are you guys fighting a lot?

• 5:45Speaker 03

  Uh, depends on the week, but yeah, there's some things that she yells at me about and I yell at her about and.

• 5:52Caleb Hammer?

  Yell?

• 5:53Speaker 03

  Yeah.

• 5:54Caleb Hammer?

  That's not necessarily the greatest.

• 5:56Speaker 04

  Too bad, but it's not great.

• 5:58Caleb Hammer?

  It's not too bad, but it's not too great. That meant absolutely nothing.

• 6:02Speaker 03

  So our finances is what's putting the strain on it the most.

• 6:05Caleb Hammer?

  Well, I would say so. That's why you're here.

• 6:07Speaker 03

  Yeah.

• 6:07Caleb Hammer?

  Before you have to say that yourself. What do you make in this position?

• 6:11Speaker 03

  I make $15 an hour and I work three days a week because I am disabled.

• 6:20Speaker 03

  My broken knee. I have a chunk of my kneecap missing.

• 6:24Caleb Hammer?

  Why are you working a standing up job?

• 6:26Speaker 03

  Cause it's the only thing I can get. Um, I used to work as a forklift technician and I lost that job because I needed knee surgery.

• 6:37Caleb Hammer?

  But you already had it, right?

• 6:39Speaker 03

  Yeah, I did last year.

• 6:40Caleb Hammer?

  Get a forklift job again.

• 6:43Speaker 03

  I actually went there yesterday or today.

• 6:45Caleb Hammer?

  Well, same place, but Tulsa's not a micro dick town. I'm sure there's other places with forklifts.

• 6:51Speaker 03

  Yeah, the place I used to work at, uh, is one of the biggest forklift dealers in the United States, even the world. Uh, they offered me the best benefits and the best dollars per hour.

• 7:04Speaker 04

  For Tulsa.

• 7:04Caleb Hammer?

  Well, three days a week. How many hours are you working though? What's your pay?

• 7:09Speaker 03

  I about $300 every two weeks.

• 7:15Speaker 04

  That's why there's DoorDash.

• 7:16Speaker 03

  That's why there's DoorDash.

• 7:17Caleb Hammer?

  Then just do DoorDash dude, all the time.

• 7:20Speaker 03

  It would be great if.

• 7:22Caleb Hammer?

  $300 every week.

• 7:23Speaker 03

  It'd be great if people would order more.

• 7:25Caleb Hammer?

  Was it 300 every week or every other?

• 7:26Speaker 03

  Every other week.

• 7:27Caleb Hammer?

  Fuck dick. Okay. So it was 600 bucks. What, what are we even doing? That's not even money.

• 7:30Speaker 03

  It's not money, but it's, it's, it's what I can do. I mean.

• 7:34Caleb Hammer?

  It is what you can do, but you can also do customer service sitting down.

• 7:38Speaker 04

  It's better than when he was in his recovery and not working.

• 7:43Speaker 03

  Oh yeah. I was unemployed for six months.

• 7:45Caleb Hammer?

  Well, yeah, but were you on any kind of disability?

• 7:47Speaker 04

  Nope.

• 7:48Caleb Hammer?

  Why?

• 7:49Speaker 03

  They denied me because I can quote, quote, work.

• 7:52Caleb Hammer?

  You know, you were recovering from your surgery?

• 7:54Speaker 03

  Yeah.

• 7:54Speaker 04

  Yep.

• 7:55Speaker 03

  Because yeah, social security does not want to pay out.

• 7:58Caleb Hammer?

  Okay. Well, they pay out a lot to a lot of people. So I don't know how you that up. I'll be honest, but either way, you're like the first person in the history of financial audit that ever get denied for any kind of benefit. To have for your entire life.

• 8:10Speaker 03

  I went to the VA yesterday and they also denied me.

• 8:12Caleb Hammer?

  VA?

• 8:12Speaker 03

  Yeah.

• 8:13Caleb Hammer?

  You were in the military?

• 8:14Speaker 03

  I was.

• 8:14Caleb Hammer?

  What'd you do?

• 8:15Speaker 03

  I was a helicopter mechanic.

• 8:16Caleb Hammer?

  Okay. That's kind of cool.

• 8:18Speaker 03

  It was cool up until I was discharged.

• 8:20Caleb Hammer?

  Why were you discharged?

• 8:22Speaker 03

  Uh, medical reasons.

• 8:23Caleb Hammer?

  What? Medical reasons?

• 8:25Speaker 03

  Uh, bronchitis and because Obama was making cuts in the military, they used that to discharge me.

• 8:31Caleb Hammer?

  Have cuts in the military? Have we ever had cuts in the military? What are you talking about?

• 8:35Speaker 03

  Obama made the most cuts in military and they were actually starting to.

• 8:38Caleb Hammer?

  Are you sure budget cuts or they were just relocating where money is? I'm pretty sure we only ever increased military costs in this country.

• 8:44Speaker 03

  I'm mostly.

• 8:45Caleb Hammer?

  I mean, I need to pack check myself, but that is so pretty much what we do.

• 8:49Speaker 03

  Yeah, no.

• 8:50Caleb Hammer?

  Don't ask me.

• 8:51Speaker 03

  When Obama's office was about eight hundred million dollars for the military budget. And then when Trump took office, it tripled to like three trillion dollars for military budget.

• 9:01Caleb Hammer?

  What are you talking about?

• 9:02Speaker 03

  So when.

• 9:03Caleb Hammer?

  I don't have a three trillion dollar military budget.

• 9:06Speaker 03

  Pretty sure we do.

• 9:10Caleb Hammer?

  I'm pretty sure it's like eight hundred billion and like for the first time ever, he proposed a trillion dollar one.

• 9:17Speaker 03

  Sometimes, yeah.

• 9:18Caleb Hammer?

  It's litism.

• 9:19Speaker 03

  If I'm wrong, I'm wrong.

• 9:20Caleb Hammer?

  Also, the bronchitis, was that due to the military?

• 9:23Speaker 03

  Yeah. So when I was in Virginia for training, I ended up getting pneumonia and I pushed through it and it transformed into bronchitis.

• 9:37Caleb Hammer?

  Okay. And the VA, well, what, what did you try to claim disability on with the VA the other day? This is the first time in the history.

• 9:45Speaker 03

  Yeah, I went there to use my GI bill because I'm going to school for cyber security and I went to.

• 9:52Caleb Hammer?

  Well, thank goodness. You do have to do something. I'll get you a course career certification in cyber security. I'll do that.

• 9:56Speaker 03

  To online college, half time to get my cyber security degree. So I'm.

• 10:01Caleb Hammer?

  Why are you half time? You're working nothing. Why are you only half time? I'm working full time. What are you doing?

• 10:05Speaker 03

  Between DoorDash, Chili's.

• 10:07Caleb Hammer?

  You go to DoorDash.

• 10:08Speaker 03

  And.

• 10:10Caleb Hammer?

  I would just stop the Chili's things. Do school.

• 10:12Speaker 03

  For my college.

• 10:12Caleb Hammer?

  Do school. Really? When you're like five hours a week?

• 10:16Speaker 03

  Assistance. Yeah. You just have to work there for a minimum of 10 hours a week to qualify for their tuition assistance.

• 10:21Caleb Hammer?

  Not bad. Go for work for Chili's guys.

• 10:23Speaker 03

  Yeah, no kidding. So when they told me that, I was like, hell, yeah, because my brother's in cyber security. He was in air force for seven years. He makes a hundred and fifteen thousand dollars a year working for Microsoft.

• 10:32Caleb Hammer?

  That's what we need to a friend.

• 10:34Speaker 03

  So he told me, it's like, dude, if, if you can't work because you're need going to cyber security. So I was like, hell, yeah.

• 10:40Caleb Hammer?

  Hell, yeah.

• 10:41Speaker 03

  Hell, yeah.

• 10:42Caleb Hammer?

  Hell, yeah.

• 10:42Speaker 03

  So when Chili's told me they do a tuition. reimbursement, I decided to do that. And it's about for tuition is like a thousand dollars, twelve hundred dollars.

• 10:51Caleb Hammer?

  Well, the reason you guys get at each other's throats though is because you're not paying rent. What the, how do you not pay rent? Don't you want a roof over your head? I think you want a roof over your head. You can't just not pay rent.

• 11:01Speaker 03

  I don't choose not to pay rent.

• 11:03Caleb Hammer?

  Well, kind of, maybe, what's your rent?

• 11:05Speaker 03

  Eight hundred dollars.

• 11:05Caleb Hammer?

  Then you choose not to pay rent because you guys bring in two thousand five hundred dollars with before DoorDash. So you're choosing not to pay rent.

• 11:12Speaker 03

  Twenty five hundred dollars.

• 11:13Caleb Hammer?

  I don't care what it feels like, that's the number you're choosing not to pay rent. You, what are you talking about? Asshole, you are choosing not to pay rent.

• 11:21Speaker 03

  We have been able to pay rent up until this month.

• 11:23Caleb Hammer?

  But why? That doesn't make any sense. It doesn't make any sense.

• 11:25Speaker 04

  He had to get his car registered and was six hundred dollars.

• 11:29Caleb Hammer?

  You got your, your rent paid for three months.

• 11:31Speaker 03

  For the first three months.

• 11:32Caleb Hammer?

  Oh, for the first, okay, well, there you go. So you have gotten support. It's not like you're just on the hook like we're just leaving you to dry and die. For what it's worth. And now you can't pay rent, even though, I mean, listen, eight hundred for your guys' income. It's not absolutely great percentage wise, but you could pay rent.

• 11:49Speaker 03

  So between our car payments, our car insurance.

• 11:53Caleb Hammer?

  And?

• 11:55Speaker 03

  With all the utilities.

• 11:56Caleb Hammer?

  And?

• 11:57Speaker 03

  And you can't, can't afford it.

• 11:59Caleb Hammer?

  Specifically, and?

• 12:00Speaker 03

  Oh, we eat out a lot.

• 12:01Caleb Hammer?

  Well, a thousand dollars actually last month. You, you can't pay eight hundred dollar rent. You, you think you need, you think, listen, maybe you are entitled to certain benefits, but let's just get away from the entitlement for a second.

• 12:14Caleb Hammer?

  You don't need that to pay your rent. You're entitled to that for your rent. You don't need that. You're spending a thousand hours going out to eat and then not paying eight hundred dollar rent. You're choosing not to pay rent. You should get evicted. Honestly, I don't want anyone to get evicted. I don't want people to be on the street. But maybe you should be because you're spending a thousand hours going out to eat when you're not paying rent instead.

• 12:30Speaker 03

  The reason we eat out to eat is because we don't have an oven that works.

• 12:33Speaker 04

  And why do we not have an oven that works?

• 12:35Caleb Hammer?

  You know Chef Mike works real well. You use it all day at work. Come on.

• 12:39Speaker 03

  You're not gonna do it at home.

• 12:41Caleb Hammer?

  Yes, you can, absolutely. You can get that pre-prepared shit, absolutely one hundred percent.

• 12:45Speaker 04

  Our stove top works, just not the oven.

• 12:46Caleb Hammer?

  Stove top works, then what the do we do? You don't just have to use oven. By the way, if you're cooking like really good fresh food anyway, stove top typically does it unless you're getting like, what are you, what are you doing?

• 12:57Speaker 03

  Induction stove. The induction stove. It's all electric.

• 13:03Caleb Hammer?

  Like what the is that? What are we crying about? We love a good flame.

• 13:07Speaker 03

  Yeah, I would love a flame.

• 13:08Caleb Hammer?

  But you don't.

• 13:10Speaker 03

  I don't.

• 13:11Speaker 04

  Nope.

• 13:12Caleb Hammer?

  Cook it on the stove top. Boil your eggs on the stove top. Cook your steak on the stove top.

• 13:17Speaker 03

  Between working.

• 13:19Speaker 04

  Do you know how much groceries are?

• 13:21Caleb Hammer?

  Yes.

• 13:22Speaker 04

  They're expensive.

• 13:24Caleb Hammer?

  They're not as expensive as going out to eat.

• 13:27Speaker 03

  They're about the same.

• 13:28Caleb Hammer?

  No, they're not. Not even close. We do the math. We check it once a quarter. You. You. You can do three hundred a person with meal prepping that is six hundred dollars a month that you guys could spend. You're doing a thousand going out to eat. And then you get groceries on top of that. So go yourself.

• 13:47Caleb Hammer?

  But no, I don't think you guys did grocery shop. I don't even have grocery.

• 13:50Speaker 03

  No, we don't go grocery shopping.

• 13:53Caleb Hammer?

  Then you can't tell me ours are expensive. It's a shame amount. You don't know what the you're talking about. And you haven't had an oven since you guys have moved in, which means you're not even working to even try to get an oven.

• 14:02Speaker 04

  Him and Facebook Marketplace.

• 14:06Speaker 04

  That's where we got our oven.

• 14:07Speaker 03

  Yeah, we got it for free off of Facebook. Because the motherboard doesn't work.

• 14:11Caleb Hammer?

  You guys eat out every meal? That's actually crazy. You're literally crying about not being able to pay rent. Oh, victim me. But then you eat out every single meal? You, your priorities are whack. That is on you. And then it breaks down into arguments. What are the arguments? Go ahead. Take me through one. What goes on in this household? How our finances is communicated? What gets to this big, this big fight that you guys have to cool off?

• 14:30Speaker 04

  Usually he forgets about one of his bills and then he cries about it as soon as he finds out.

• 14:34Caleb Hammer?

  Well, he seems to cry about everything that he's irresponsible about.

• 14:37Speaker 03

  I focus on all of the main bills. I, with my paychecks, I pay the rent, utility, gas, electric.

• 14:46Caleb Hammer?

  Not, in fact, actually, I would suggest, but continue.

• 14:49Speaker 03

  All of the main bills is focused on, I pay all of that with my paychecks.

• 14:54Caleb Hammer?

  Incorrect. Well, first of all, that's impossible. If you make six hundred dollars, you can't pay an eight hundred dollar rent.

• 14:58Speaker 03

  That's just, that's just silly.

• 14:59Caleb Hammer?

  What are we talking about?

• 15:00Speaker 03

  Making another almost a. Eight hundred, a thousand dollars a month doing DoorDash.

• 15:03Caleb Hammer?

  Okay, with the contractor taxes you need to set aside, by the way, and then gas and maintenance that are not included in that income.

• 15:11Speaker 03

  I include gas, but not the maintenance.

• 15:12Caleb Hammer?

  Okay, well, maintenance you probably should because you are putting wear and tear on your vehicle, not just tires.

• 15:18Speaker 04

  To get his oil changed by like a thousand miles?

• 15:23Speaker 03

  Because we can't afford it right now.

• 15:24Caleb Hammer?

  Okay, every time you say that, I will ring up that you spent a thousand dollars going out to eat. That is a lie. An oil change, what's an oil change? Go for it. I haven't had one of those for a second.

• 15:33Speaker 03

  If I do my, if I do the oil change myself between the oil filter, the six quarts of oil.

• 15:40Caleb Hammer?

  If it's just yourself, then what the, why are you not doing it? You're a handyman. Do it!

• 15:46Speaker 03

  I don't have, so I, when I do it myself, I go to my buddy's house because he's got the ramps to do it. But since we moved, he lives an hour and a half away.

• 15:54Caleb Hammer?

  You just told Colton this morning when you guys got your, you haven't even paid a single month that was due, a single bill that was due last month. Utilities, rent, cards, everything, all while you're going out to eat? This is disgusting. This is disgusting. Unknown spending, an additional unknown spending. We don't know exactly what it is because it's that place that's hard to tell if it's bullshit or not. And now that you guys said you don't get groceries, I know it's bullshit. That's an extra $700 of bullshit. And plus other large purchases, $600. You spent minimum on bullshit, $2,200. $2,200 in one month while you're choosing not to pay utilities, rent, credit cards. You, you irresponsible. You say you work, so you take care of the bills. You didn't take care of the bills last

• 16:38Caleb Hammer?

  month. We're in this month and you didn't even take care of last month. What are you talking about? Big man who shows up to pay the bills. No, you're not.

• 16:43Speaker 03

  It's this month that we haven't paid yet. Everything this month.

• 16:46Caleb Hammer?

  Why? I have your spending. You guys are a joke. What's your thoughts on this? What's going on here, woman?

• 16:50Speaker 04

  I'm just wondering where the money is going, other than food.

• 16:54Caleb Hammer?

  Why don't you know? Why don't you sit down and look? Why don't you guys communicate? Take the bills, put them on the table. Look!

• 17:01Speaker 00

  This episode is brought to you by Indeed. You're ready to level up your business, but the pressure to find the right person to make that happen is intense. Indeed sponsored jobs can help carry the load. It boosts your job post to help it reach quality talent fast. Cut through the chaos with Indeed sponsored jobs. Get a $75 sponsored job credit at indeed.com/podcast. Terms and conditions apply. Hiring now? Then this is a job for Indeed sponsored jobs.

• 17:30Caleb Hammer?

  Welcome into Dollar Wise. Look.

• 17:32Speaker 04

  I could ask him and he'll try and

• 17:34Caleb Hammer?

  Is that what happens?

• 17:35Speaker 04

  Skirt past certain things.

• 17:37Speaker 03

  Yeah, so when we bring up finances, we argue about where the money's going. I tell her where my paycheck's going. She tells me where her paycheck's going and we disagree.

• 17:46Speaker 04

  But I have never been late on any of my personal bills because I know where my money is going.

• 17:52Caleb Hammer?

  So it's just you skirting around where the money is going? It's you lying because she just said she knows where her money is going.

• 17:58Speaker 03

  Yeah, because it's going to fast food, just as like, just as much as mine is.

• 18:02Caleb Hammer?

  What is the fight? I'm confused on the argument.

• 18:04Speaker 04

  I usually use my cash tips for our food.

• 18:07Caleb Hammer?

  Well, so there's additional spending then outside of this.

• 18:10Speaker 04

  Uh, Amazon? Amazon? Steam games?

• 18:14Speaker 03

  What I meant, Amazon?

• 18:17Speaker 04

  You get more stuff off of Amazon than I do.

• 18:20Speaker 03

  No, we would buy the same on Amazon.

• 18:23Speaker 04

  Last time I bought something, it was gamer subs. So...

• 18:29Speaker 03

  The last time you bought, you've bought something for people other than yourself on your Amazon when we're struggling with bills?

• 18:37Speaker 04

  That was one thing and it was Christmas.

• 18:41Speaker 03

  It was more than just Christmas. Uh, when you have two friends that you bring up from your past, you buy them things just as much as you buy yourself things. And when it comes to, after you pay your bills, which is a lot of loans, you, once you pay those off, your money will go to food or your hair dye.

• 19:08Speaker 04

  I haven't bought hair dye in a year.

• 19:11Speaker 03

  It would go to fast food, just as much as mine goes fast food. Like, you're just as guilty of fast food as I am.

• 19:17Speaker 04

  I'm not saying I'm not.

• 19:18Caleb Hammer?

  What are you saying? What gets to the fight?

• 19:20Speaker 04

  I'm saying the Steam, where the money, because even though

• 19:27Speaker 04

  his bank account used to be our shared account, but I took my card that I used for that account and opened my own account.

• 19:35Caleb Hammer?

  What's the fight? I'm still confused. You say you guys blow up, fight, and have to spend time away from each other. You are not able to define what is going on in this relationship very well at all.

• 19:44Speaker 03

  Because, uh, last time we had a big fight was a couple of weeks ago when she, um, started talking to another man.

• 19:56Speaker 03

  And that's and that's when that's one of the recent fights we had another fight we had

• 20:03Caleb Hammer?

  No, no, no, hold on. No, you are not gonna brush past that. What the

• 20:06Speaker 04

  It wasn't

• 20:07Caleb Hammer?

  What the actual

• 20:09Speaker 04

  It was an old friend from high school. I told him

• 20:14Caleb Hammer?

  You didn't make it sound like a friend.

• 20:17Speaker 04

  I have told him all conversation will be in discord so that he can see it. I have told him he can check my phone because I know he has his doubts about whether something's gonna happen or not. I've told him it won't.

• 20:35Caleb Hammer?

  Told him it won't. It's weird that we're even having this conversation. It's like, nothing's gonna happen.

• 20:40Speaker 03

  But it did happen a couple of years ago. It's the same guy.

• 20:48Speaker 03

  She told me she's only talked to him on Discord, but that's just the voice. She still talks to him on Snapchat.

• 20:53Caleb Hammer?

  Whoa, okay.

• 20:56Speaker 04

  And all of the messages are where you can see them.

• 20:59Speaker 03

  Because I made it that way.

• 21:00Caleb Hammer?

  Oh, what the Yeah, in no way whatsoever would any guy or gal want this person in the picture of the relationship. Wait, you guys have been together five years?

• 21:13Speaker 03

  Yep, since 2020.

• 21:14Caleb Hammer?

  Did she fuck him two years ago?

• 21:15Speaker 03

  Uh, she sent him nudes in 2023.

• 21:23Speaker 03

  Uh, so the reason she has her own bank account is because we separated for a few months after that.

• 21:30Speaker 03

  And so we ended up having our own separate finances.

• 21:33Caleb Hammer?

  I don't think it was the finances that needed to separate after that.

• 21:37Speaker 03

  Well, because we, uh, we separated a couple of months. Like we wanna

• 21:42Caleb Hammer?

  What the is wrong? Why'd you do this?

• 21:44Speaker 04

  I lowkey don't even remember.

• 21:46Caleb Hammer?

  No, that is bullshit. Two years ago, sending dude your tits and puss and hole? And you don't remember? You still, you're just telling me you can't remember? Whole deflection and refusal to take accountability. Bullshit.

• 22:01Speaker 03

  I know why.

• 22:02Caleb Hammer?

  How do you not remember? This is one of the defining moments of the relationship. And now you're talking to this dude again? And you're telling me you don't remember?

• 22:10Speaker 04

  Yesterday.

• 22:11Caleb Hammer?

  Oh, shut the up. That is some of the dumbest bullshit excuses that anyone could ever say. What the is wrong with you? Why did you do this? And why are you talking to him again?

• 22:25Caleb Hammer?

  Again! Lady, why? What the [bleep]? I blow the [bleep] up too! 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? I'm not insinuating Monarch will do this, but private equity doesn't have the best track record when it comes to private data. That's why I like Dollar Wise.

• 23:10Caleb Hammer?

  Built by these people just like you, for people just like you. No private equity, no gimmicks, just the best budgeting app there is. Download it now, start the free trial, dollarwise.com, link in the description below. That's kinda [bleep] stupid, I'll be honest, but what's not is actually getting a checking account that gives you free money. Free money, we like free money. You can get up to $350 in bonus cash right now. When you sign up for the checking account that I use, Chime. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Audit and get free money at the same time. Who would've thought? That's incredible. Check it out, link in the description below. Sign up for Chime, get that $350 right now in your checking account!

• 23:55Speaker 03

  I tried to set boundaries with him. I told her that she can talk to him as long as...

• 23:59Caleb Hammer?

  What?

• 24:00Speaker 03

  She told me... She wants me to trust her, and so I told her...

• 24:06Caleb Hammer?

  Hold on. By the way, I have absolutely zero confidence based on what she is using for these excuses right now. Oh, she's pissed, I can see it. She didn't know this was gonna come up, did she? I can see it on her face. No, she did not. Oh, she's cooking. Okay.

• 24:20Speaker 03

  Yeah.

• 24:21Caleb Hammer?

  So, I mean, hey, maybe don't like cheat. I mean, being open school, that's fun. We'll have a good open here and there, except you weren't, is the thing. Um, I have zero confidence in the world right now. Zero confidence in the world with her. I can't remember what happened yesterday that he did not stick it in her.

• 24:37Speaker 03

  So, there was a physically impossible because he is currently in the Navy. And stationed, but.

• 24:44Caleb Hammer?

  Yeah, but how long was it happening?

• 24:46Speaker 03

  That, I don't know. All I know is when I found out and when I found out the messages, it was after the fact. I was in dive school.

• 24:53Caleb Hammer?

  Oh, it's because you went through, you went through her phone?

• 24:56Speaker 03

  Yes.

• 24:56Caleb Hammer?

  Oh.

• 24:57Speaker 03

  I found out going through her phone.

• 24:59Caleb Hammer?

  You had a suspicion?

• 25:00Speaker 03

  I did. So, the whole thing was.

• 25:03Caleb Hammer?

  Why are you a cheater?

• 25:06Speaker 03

  I would like to tell the story. Uh, when I read through the messages, it happened while I was in dive school. She was lonely because I was focusing on dive school and wanted, uh, something else, wanted the attention. So she got the attention from two different guys, sent them both the nudes to something and to get something because she offered too. They didn't ask, she offered.

• 25:34Caleb Hammer?

  Are they even good?

• 25:35Speaker 03

  To me, they are.

• 25:36Caleb Hammer?

  Okay.

• 25:37Speaker 03

  And apparently to them, they are because they saved it in Snapchat. That's how I found out because they saved it in the messages.

• 25:43Caleb Hammer?

  Have you gone through and deleted those?

• 25:45Speaker 03

  It saved on their end. I can't, she can't, on her, she can't delete them because they haven't saved. So, I can, it's still saved to this day. And I told her, I asked her why she opened that door because she told, she asked me, why don't I trust her? And I said, because it happened with him.

• 26:04Caleb Hammer?

  Is that your phone?

• 26:05Speaker 04

  Yeah.

• 26:06Caleb Hammer?

  Unlock your phone.

• 26:08Speaker 03

  She talks to him on Snapchat and they, all they do is send pictures. And I have it set where the picture is saved in the chat. And it's just, it's just pictures. There's no text. So, and.

• 26:19Caleb Hammer?

  And you're okay with this?

• 26:20Speaker 03

  I told her that I don't want her texting him on Snapchat.

• 26:24Caleb Hammer?

  Oh dude, he's a [BLEEP] boy, dude.

• 26:25Speaker 03

  He's a [BLEEP] boy.

• 26:27Caleb Hammer?

  And you're allowing this? Look at this. He sent, blur the name, blur the name, please, chat. He sent a, okay, I'm sexy, kinda wanna [BLEEP] type of picture.

• 26:38Caleb Hammer?

  And she sent a sexy, I want the fuck picture. Dude, you're getting cucked right now. Okay, why are you sending this to him? Huh? Why is this being sent?

• 26:47Speaker 04

  You can go look at all my other friends. I send the same pictures in streets.

• 26:51Caleb Hammer?

  You guys sending back and forth. This is not weird.

• 26:53Speaker 03

  That is weird. I asked her why she does it. She says she doesn't know.

• 26:56Caleb Hammer?

  What the? But they're said, they sent, they sent nudes back to each other. Sorry. They sent nudes back to each other. They're just sending devil horned photos of their faces back and forth.

• 27:08Speaker 03

  Yeah, she thinks it's funny.

• 27:10Caleb Hammer?

  Funny?

• 27:11Speaker 03

  She thinks it's funny.

• 27:11Caleb Hammer?

  Oh, that is such a cop out. That is such a cop out too. I get wet every time this happens. Don't fuck with me. Come on. You tell me you don't get any, you don't want anything from him.

• 27:22Speaker 04

  No.

• 27:22Caleb Hammer?

  Bullshit.

• 27:23Speaker 04

  Maybe back then, yes, but as of right now, no.

• 27:28Caleb Hammer?

  I don't believe you at all. You guys are just sending back and forth, back and forth.

• 27:31Speaker 04

  I do that with all my friends.

• 27:33Speaker 03

  She does that, um, she doesn't, the other friends, the other, other friends don't do the same thing as, so she talks to two people, her friend Cass that she used to fuck in high school.

• 27:42Caleb Hammer?

  He's sending shirtless photos.

• 27:44Speaker 04

  That's from two years ago.

• 27:46Speaker 03

  That's about the point.

• 27:48Caleb Hammer?

  It doesn't matter. He's sending shirtless photos two years ago. You know what was happening two years ago? You guys were dating.

• 27:59Speaker 03

  Yeah, that's most voice that shit I've seen. So there's

• 28:01Caleb Hammer?

  And no offense, but I mean, you're kind of fat.

• 28:04Speaker 03

  I am.

• 28:04Caleb Hammer?

  But me too. And she's texting this military hunk. You know? And she's sending like, you know, this.

• 28:14Speaker 03

  Yep.

• 28:15Caleb Hammer?

  And stuff.

• 28:16Speaker 03

  That's why we had the biggest fight because I don't trust her.

• 28:19Caleb Hammer?

  It's all men, men, man, man, man. She's sending, no, this doesn't happen. This does not happen with normal people. There's no women friends in there.

• 28:28Speaker 04

  There are.

• 28:29Caleb Hammer?

  No, no, no. Do you stop yourself right now for a second? You stop yourself right now.

• 28:32Speaker 03

  There's three women.

• 28:33Caleb Hammer?

  There's, there's, there's, there's, who's a man, there's, there's, there's, finally, there's a woman, then there's, are you daddy?

• 28:43Speaker 03

  I am daddy.

• 28:44Speaker 01

  What the fuck? Is this allowed? What the fuck? Is that allowed?

• 28:50Speaker 03

  Is, I know for a fact a woman. That is her best friend.

• 28:53Caleb Hammer?

  Which ones have received nudes in here?

• 28:55Speaker 03

  Uh, it was, it was

• 28:58Caleb Hammer?

  Believe? Who, who, who, this guy?

• 29:03Speaker 03

  No.

• 29:05Caleb Hammer?

  The guy that you, okay.

• 29:07Speaker 00

  This episode is brought to you by Indeed. You're ready to level up your business, but the pressure to find the right person to make that happen is intense. Indeed sponsored jobs can help carry the load. It boosts your job post to help it reach quality talent fast. Cut through the chaos with Indeed sponsored jobs. Get a $75 sponsored job credit at indeed.com/podcast. Terms and conditions apply. Hiring now? Then this is a job for Indeed sponsored jobs.

• 29:36Caleb Hammer?

  So we already went through it. So you're still sending stuff to him. Who else got nudes?

• 29:41Speaker 04

  He had, oh, three years ago.

• 29:45Caleb Hammer?

  Okay. Same time. So three years ago. So this happened before the two years ago too. Well, you guys have been together for five. Same guys, the same time. Okay. And this guy, she said, okay, so she sent him nudes. Yes. She sent him nudes, yet she is still slacking, uh, slacking. Screenshooting, I'm not screen recording.

• 30:03Speaker 04

  Snap.

• 30:04Caleb Hammer?

  Huh?

• 30:04Speaker 04

  Snapchatting? Is that the word you're looking for?

• 30:07Caleb Hammer?

  Yeah, she snapped him. She's, she's still snapping him now. Yep. Who else in here?

• 30:12Speaker 04

  Those are the only two.

• 30:13Caleb Hammer?

  Those are the two. Yep. Well, good news. They're not in chat anymore. Did you force him to delete him?

• 30:21Speaker 04

  That is a girl, girl, girl, girl, girl, girl.

• 30:27Caleb Hammer?

  And then the rest are dudes and two of them you sent nudes to.

• 30:30Speaker 04

  Girl. And girl and girl.

• 30:34Caleb Hammer?

  Yeah, but two of them you sent nudes to. Do you not get that? Do you not get that?

• 30:38Speaker 04

  And I had.

• 30:38Caleb Hammer?

  Chat, am I the only one here?

• 30:40Speaker 04

  I had.

• 30:41Caleb Hammer?

  You're like almost, you're actually okay with this somehow. I'm not okay with it. Then why do you allow this?

• 30:47Speaker 04

  I had cut them out.

• 30:48Caleb Hammer?

  The way you talk to these guys is crazy.

• 30:51Speaker 04

  I had come to him and I said, these people are my friends.

• 30:57Speaker 04

  If I don't send messages to them and

• 31:00Caleb Hammer?

  They're your friends that you sent nudes to. Are they your friends? You sent nudes to them. Are they your friends? You sent nudes to them. Nudes to them. Nudes. All these men. All these men.

• 31:13Speaker 03

  When we had the fight, I told her the only way I would trust her is if I can see everything. And this is why I said in the chat to every picture they send back and forth, get sent into that chat for me to look.

• 31:24Caleb Hammer?

  Draw the line, man. She shouldn't be talking to people.

• 31:27Speaker 03

  And I told her like any texts that needs to be on Discord or text. But yet she still sends texts to him in the Snapchat.

• 31:33Caleb Hammer?

  Why'd you send nudes to them two years ago? Two people at the same time. And I have zero confidence she did not take any other dick.

• 31:39Speaker 04

  So, sorry, spam call. I can show you exactly what the pic, the link is.

• 31:48Caleb Hammer?

  The link?

• 31:49Speaker 04

  Not gonna click on it, but.

• 31:51Caleb Hammer?

  OF?

• 31:53Speaker 03

  It's a fan view. It's what started before.

• 31:55Speaker 04

  A downgraded OF.

• 31:58Caleb Hammer?

  You had OF?

• 32:00Speaker 04

  Used to.

• 32:01Caleb Hammer?

  This is a used to? Oh.

• 32:03Speaker 04

  Don't. Yeah.

• 32:05Caleb Hammer?

  I get it. Okay, okay. I see. I thought you were clicking a link for him to pay. So what is this? Do you do this anymore?

• 32:11Speaker 04

  No.

• 32:12Caleb Hammer?

  Is it deleted?

• 32:13Speaker 04

  Yes, I deleted it.

• 32:14Speaker 03

  It's not deleted.

• 32:15Speaker 04

  I swear I deleted it, the account.

• 32:18Speaker 03

  Uh, last month I opened, I went to the website to see if you're still uploading it. And it's, you haven't been uploading, but it's still there.

• 32:25Speaker 04

  I thought I deleted it.

• 32:27Speaker 03

  I mean, you haven't been uploading, so I didn't bring it up, but it's not deleted.

• 32:31Speaker 04

  I don't even remember the login if it's still active.

• 32:33Speaker 03

  That's saved. Your login is saved.

• 32:37Speaker 04

  It is?

• 32:38Speaker 03

  It's saved in the browser, yeah. That's how I was able to log into it.

• 32:42Speaker 04

  That's news to me.

• 32:44Caleb Hammer?

  Why the is it still in chat?

• 32:46Speaker 04

  It's saved on his end. I can't.

• 32:48Caleb Hammer?

  Why would you not request to delete it? If he's gonna be able to chat with him, why not request to delete it?

• 32:53Speaker 04

  Because I.

• 32:53Caleb Hammer?

  I'll do it.

• 32:54Speaker 04

  I forgot about it until he brought this conversation up.

• 32:59Speaker 03

  When she started talking to him again.

• 33:00Speaker 04

  When I started talking to him again.

• 33:02Caleb Hammer?

  You brought it up to him?

• 33:03Speaker 03

  So the way I, the way I found out she's still talking to him is I came home from work and she was on a Discord call with him.

• 33:11Caleb Hammer?

  Ah!

• 33:11Speaker 03

  Yeah.

• 33:12Caleb Hammer?

  Ah! How does that not make you just walk the [__] out?

• 33:16Speaker 04

  There was also a camera sitting right behind my shoulder in the corner of the room.

• 33:21Caleb Hammer?

  So?

• 33:22Speaker 04

  That he has access to, so he could hear the conversation.

• 33:25Caleb Hammer?

  No, that's not, that's such a get, that's... Oh my [__], I don't know, I don't know. Colton, if your husband did this, fiance, no, not a chance, right? Not a [__] chance.

• 33:36Speaker 03

  So, I told her that, I asked her, why is she even open that door again?

• 33:41Caleb Hammer?

  Okay, I mean, this shit's crazy.

• 33:43Speaker 03

  It is crazy.

• 33:44Caleb Hammer?

  This shit's [__] crazy. I mean, I'm sorry, that shit's crazy. You sent him tits and vagina. You sent him tits and vagina. Vagina, it's not even just tits. Pussy, pussy.

• 33:56Speaker 03

  We had a whole fight and...

• 33:59Caleb Hammer?

  You would think so!

• 34:00Speaker 03

  Yeah.

• 34:00Caleb Hammer?

  And then this is happening again now? How can you trust each other, I'm sorry, to bring it back to finances? How can you trust each other finances if she's talking to a guy that she sent pussy pics to? Who, by the way, again, and she didn't even say, "No, I didn't." When I brought up the two people, I have zero confidence she did not stick it in once.

• 34:17Speaker 03

  Those people, she's never...

• 34:19Speaker 04

  I haven't.

• 34:21Caleb Hammer?

  Okay, and this is, because it'll come out at some point in your relationship. This is the time now, this is the time, I know you want to lie, I know you [__] want to lie.

• 34:29Speaker 04

  I'm telling you.

• 34:29Caleb Hammer?

  And you have beautiful blue eyes. I'm saying this as a compliment, right now? So that you could, I don't know. Trust me for a second. In the five years, have you never once touched another man's penis? Do not [__] lie. I don't believe that for a second, I really do not.

• 34:44Speaker 04

  I am telling you, I have not.

• 34:45Caleb Hammer?

  Now, how many more people have you sent pictures to?

• 34:48Speaker 04

  It was just those two.

• 34:49Caleb Hammer?

  But why would you? Pussy too!

• 34:56Speaker 04

  He was away at dive school and...

• 35:00Caleb Hammer?

  So that's an excuse, that, that's, makes it valid?

• 35:02Speaker 04

  It, I'm saying it doesn't make it valid, I'm saying that...

• 35:08Speaker 04

  Like, I don't know why, but that's how it played out.

• 35:12Caleb Hammer?

  You don't know why?

• 35:16Caleb Hammer?

  You don't know why? What do you mean? Two guys at the same time? Two guys at the same ti- hold on, hold on. Open it again. Oh, okay, it's still here.

• 35:27Speaker 04

  I was like, did you turn it off or?

• 35:29Caleb Hammer?

  Yeah, well, he's sending shirtless photos and then you said nice. He said, thanks. And then you sent. Oh, you then you just sent the link out of the blue. Would you support me? What is it? Look at it. Google's being dumb. Won't let me sign it. Okay, I'll send you a screenshot of it. Okay. Damn, okay. You good. I'm just a worker now. I'll check it out later. Then the other guy, where's the other guy? Who is it?

• 35:53Caleb Hammer?

  This is crazy.

• 35:56Caleb Hammer?

  Do you even send him nudes?

• 35:58Speaker 03

  Oh, yeah.

• 35:58Speaker 04

  All the time.

• 36:00Speaker 03

  I get the better ones.

• 36:02Speaker 04

  You do get the better ones.

• 36:03Caleb Hammer?

  Okay, I don't think this person has a save anymore, does he?

• 36:06Speaker 03

  I don't think he does. But I found out, but it was in there when I. When I, uh, looked.

• 36:12Caleb Hammer?

  Also, did you lose a lot of weight?

• 36:14Speaker 04

  I've been between 110 and 130 my entire life.

• 36:19Caleb Hammer?

  Huh.

• 36:20Speaker 03

  I think it's because she got taller. She was, uh.

• 36:25Speaker 03

  I don't know.

• 36:25Caleb Hammer?

  What were you dating her at 12? Like?

• 36:27Speaker 03

  No.

• 36:29Caleb Hammer?

  She just got taller?

• 36:31Speaker 04

  I got like a couple inches taller.

• 36:33Caleb Hammer?

  Have you ever been with anyone else?

• 36:36Speaker 03

  During the relationship? No. I have not.

• 36:40Speaker 04

  But he has talked about an open relationship.

• 36:43Caleb Hammer?

  Well, that's okay. Talking and proposing is different than doing something without the consent of the other person. There's nothing wrong with open relationships if done properly and healthily.

• 36:52Speaker 03

  I didn't bring up open, but I brought up, uh, bringing another person in if she was interested.

• 36:56Caleb Hammer?

  That is, that is bringing up. You cannot equate bringing up to sending pussy to two individual men. Vaginal holes, holes of the vagina.

• 37:06Speaker 03

  Tuck lips.

• 37:07Caleb Hammer?

  And it was hairy and they were there and they saw them.

• 37:11Speaker 03

  They did.

• 37:12Caleb Hammer?

  What the, how can there be any trust in this relationship?

• 37:16Speaker 03

  Uh, we.

• 37:17Caleb Hammer?

  Yeah, I guess, are you surprised? I guess you guys met via D and D party where she was already dating someone else in the group.

• 37:24Speaker 03

  Yeah.

• 37:25Caleb Hammer?

  Oh, and she left the guy and you before they even broke up? No, while they were together, she you.

• 37:33Speaker 03

  Yeah.

• 37:33Caleb Hammer?

  And you're surprised that she's potentially a cheater? She was you while dating the other guy.

• 37:38Speaker 03

  So the only reason.

• 37:40Caleb Hammer?

  My goodness.

• 37:41Speaker 03

  She, when we, she told, she didn't say that she broke up with him until after.

• 37:49Caleb Hammer?

  Wait, what the? Oh, you can, this cannot be, this episode is insane. Oh, my goodness. Yeah, I wouldn't combine accounts. I wouldn't be anywhere near.

• 38:00Caleb Hammer?

  You might be a pleasant person in a lot of way, but you're a cheater.

• 38:03Speaker 04

  I'm not gonna deny it, but I have changed.

• 38:07Caleb Hammer?

  Okay, but you've done it consistently because a coworker of his gave him a warning and said that you were cheating on him and slept with her coworker's boyfriend, his coworker's boyfriend.

• 38:20Speaker 04

  And I can tell you exactly what happened with that situation. That was mad that I was doing better at my job and that our manager preferred me over her.

• 38:34Caleb Hammer?

  Fifteen an hour at a fast food place.

• 38:36Speaker 04

  It was a different job.

• 38:37Caleb Hammer?

  Was the job.

• 38:38Speaker 04

  Coffee shop.

• 38:40Caleb Hammer?

  I don't think she was that jealous enough to try to destroy a relationship.

• 38:45Speaker 04

  She was. Because she moved down there specifically for the manager position. And I was doing better at it than her.

• 38:55Caleb Hammer?

  And who do you believe?

• 38:56Speaker 03

  I believe her because I, because I had a friend.

• 39:00Caleb Hammer?

  Which her? Really?

• 39:02Speaker 03

  My girlfriend, yes.

• 39:03Caleb Hammer?

  Literally a coworker in a relationship told you that the person who is a serial cheater from her ex and to you.

• 39:11Speaker 03

  So the reason why I believe her is because I had a friend do a basically a he was a PI. I had him be a PI and verified everything.

• 39:21Caleb Hammer?

  PI what that she didn't go over again? That doesn't mean it didn't happen. PI can't do past other than if there's an entire archive online of them tweeting about, yeah, I took this dude's dick. Dude, I'm sorry.

• 39:34Speaker 03

  So that was sent a video.

• 39:36Caleb Hammer?

  You don't want it to be real.

• 39:38Speaker 03

  I sent, I was sent a video. The, the chick that was trying to break up a relationship, sent me a video of her boyfriend, another girl. And yeah, she sent me a video.

• 39:50Caleb Hammer?

  Hold on, that was another girl. Sounds like he's a cheater too, by the way.

• 39:53Speaker 03

  Yeah, no, he was. He actually gave her the clap.

• 39:57Speaker 03

  Because he was like two different women.

• 40:00Speaker 04

  And I even, because that lady, that girl.

• 40:04Caleb Hammer?

  Didn't, if she's a cheater and he's a cheater, I feel like they likely cheated with each other.

• 40:10Speaker 03

  If he had the clap and they, she would have given me the clap.

• 40:14Caleb Hammer?

  No, no, not necessarily. One, not a guarantee of spread. Two condoms. Three, she's saying she never wears condoms when she cheats.

• 40:21Speaker 03

  We've never used condoms.

• 40:22Caleb Hammer?

  When she cheats and three, maybe didn't have the clap yet. That doesn't mean you have it your whole life.

• 40:28Speaker 03

  At the time, so when all of that happened, I know that she didn't, the video I was sent wasn't her because the chick was too big.

• 40:35Caleb Hammer?

  You wouldn't admit on a show that's being watched by a million people that you've ever taken a penis. So I don't blame you, but I've seen a lot of things on this show and look at your history. I don't believe, maybe you haven't in the last year, but you can't say three years ago, you never have. Not once. Come on, it's in the past.

• 40:53Speaker 04

  I seriously have not gone and anybody else.

• 40:58Caleb Hammer?

  You've sucked a dick?

• 40:59Speaker 04

  No.

• 41:00Caleb Hammer?

  You've given a handjob?

• 41:01Speaker 04

  No.

• 41:01Caleb Hammer?

  You've kissed someone?

• 41:03Speaker 04

  No.

• 41:03Caleb Hammer?

  I don't believe you, but that's okay. I have nothing more.

• 41:06Speaker 04

  Pictures that from those instances.

• 41:10Caleb Hammer?

  So the only ones that he caught are the only ones that happened.

• 41:14Speaker 04

  They are.

• 41:15Caleb Hammer?

  It's interesting that that's convenient.

• 41:19Speaker 03

  I will say the reason why I believe her cuz those are the only two guys she's had a connection with.

• 41:24Caleb Hammer?

  Lies? That's impossible. She's literally Snapchatting like 10 men right there. I just saw.

• 41:29Speaker 03

  All of those guys are coworkers.

• 41:30Caleb Hammer?

  But also even still, do you think coworkers in fast food and restaurants do not? That is what they're known for. That is literally what they do to get through shifts. In math. That is it. Especially in Tulsa. Dude, I think you are blissfully ignorant. I'm just gonna let you know. And I think it's cuz he's struggled with women.

• 41:49Speaker 03

  You can say that, but.

• 41:50Caleb Hammer?

  You're out of his league. I think he's kinda struggled with women. I think he doesn't wanna lose you. He's his fiance.

• 41:55Speaker 03

  I don't. I don't wanna lose her. But the fact that I believe her doesn't have anything to do with her pa- I mean, it does, but I don't have a reason to believe that she did.

• 42:07Caleb Hammer?

  Statistically, people are most likely to cheat on, well, with coworkers. That is where, and she's snapping them? Okay, open one up of a coworker, random. Just show me a coworker. Actually, I'm not gonna, no, let me pick.

• 42:18Speaker 04

  I was gonna open Snapchat for you.

• 42:20Caleb Hammer?

  Okay, so which one's Tia coworker?

• 42:24Speaker 04

  He is an old coworker from when I was in Louisiana. So about eight and a half years ago.

• 42:34Speaker 03

  I will say 99% of those people are just streaks. She just sends streaks to them, nothing else.

• 42:38Speaker 04

  Recent coworker.

• 42:41Caleb Hammer?

  Conveniently, some of his previous snaps that are saved have now been recently deleted. And unavailable.

• 42:51Speaker 03

  That is her ex-girlfriend from high school.

• 42:53Caleb Hammer?

  Girlfriend?

• 42:54Speaker 04

  From high school.

• 42:55Caleb Hammer?

  Vaginal connection girlfriend?

• 42:56Speaker 04

  Not that far.

• 42:57Caleb Hammer?

  But girlfriend-girlfriend?

• 42:59Speaker 04

  We kissed.

• 43:00Caleb Hammer?

  In your snap.

• 43:01Speaker 04

  But that's about it.

• 43:02Caleb Hammer?

  You are a cock. You are a cock. Yeah, she's sending sexy picture there, sexy picture there. Okay, come on. Tattoos, tattoos, tattoos. Come on. Lesbianism. Sexy picture, sexy picture. Showing her belly. Come on, you're getting cocked. Okay, what about?

• 43:24Speaker 04

  He is not a coworker. He was from one-

• 43:26Caleb Hammer?

  None of them are coworkers dude!

• 43:28Speaker 04

  He was one of the other ones from high school.

• 43:32Caleb Hammer?

  Guess what?

• 43:33Speaker 04

  That I talked to.

• 43:35Speaker 03

  Uh, no, I think, isn't one of your old neighbors?

• 43:39Speaker 04

  Yeah, he was also a neighbor of my grandparents.

• 43:41Caleb Hammer?

  Yeah, what you doing in 2021? Cause you asked them what Korean dish you guys just made together.

• 43:45Speaker 04

  Smoked weed and made Korean dishes.

• 43:47Caleb Hammer?

  Mm-hmm. Yeah, with a high, uh, ex-high schooler.

• 43:52Speaker 03

  Uh, I think they, uh, he was a neighbor that she grew up with.

• 43:58Caleb Hammer?

  Oh, even better. A guy neighbor that they're slacking. What about-

• 44:02Speaker 04

  He is an old coworker.

• 44:03Caleb Hammer?

  Oh my gosh, none of them are coworkers. Every person I-

• 44:06Speaker 04

  He just transferred. He just transferred.

• 44:09Caleb Hammer?

  Every person I call out, dude. Every person I call out. Every person is not a current coworker that I've called out. Oh, they rode to work together quite a few times.

• 44:19Speaker 03

  Yeah. She's done that with multiple coworkers.

• 44:21Caleb Hammer?

  She rides to work with her male coworkers multiple times.

• 44:26Speaker 04

  They don't have cars and if the manager on shift currently before I go in can't do it, somebody has to.

• 44:38Speaker 04

  I don't know if he's gonna answer.

• 44:40Caleb Hammer?

  If budgeting apps make you feel like [BLEEP], this is for you. Most people who struggle with budgeting are irresponsible. They care about their money, but they get overwhelmed every time they look at it. They download an app, connect their accounts, and try tracking. But within a few days, it feels like a homework assignment they're failing. Too many categories, too many rules, too many red alerts screaming at them about what they did wrong. So, of course, they stopped opening it. Not because they don't care, but because it makes them feel worse. And here's what nobody talks about. The stress isn't coming from your spending. It's coming from having zero clarity in using tools that turn money into a failing grade. Have you ever thought, "I just wanna know where my money's going without being judged for it"?

• 45:24Caleb Hammer?

  You're not alone. That's exactly what we built Dollar Wise. If you wanna calm and clear a way to see where your money is going, try Dollar Wise. Download the app today and get a three day free trial. No setup nightmare, no manual tracking, no pressure to be perfect. Just connect your accounts, see where your money is actually going and decide if it works for you. Click below to download DownloadWise and see if this helps you feel more in control without the stress. And if it's not a fit, cancel anytime. Starbucks is bull and a waste of money. And you already know that by making your coffee at home and investing the rest. So now you need to do that with your energy drink as well. Make Gamer Subs at home for just 40 cents a serving. Honestly, it literally tastes better.

• 46:09Caleb Hammer?

  And we proved this accidentally via a blind taste test in our Hammer Elite show, Fat and Fatter.

• 46:14Speaker 03

  The number one ranked energy drink is Gamer Subs. Literally, the cherry flavor is insane.

• 46:21Caleb Hammer?

  Listen, you can also get free samples to see if you like it. Or 10% off your order at gamersubs.gg or click that link in the description below. Type in code Caleb.

• 46:31Speaker 03

  There's no way he just did that.

• 46:39Caleb Hammer?

  What about?

• 46:41Speaker 04

  This is from my previous job. He is my only contact with that job to have been able to get my tax forms.

• 46:48Caleb Hammer?

  On Snapchat? You call.

• 46:52Speaker 04

  I did call him. I only had his Snapchat.

• 46:56Caleb Hammer?

  So weird. Uh, remind me?

• 47:00Speaker 04

  He is a current coworker. Although I think he's at work right now, so I don't think he'll use it.

• 47:07Caleb Hammer?

  I mean, come on, I'm just being objective. He's a very attractive man.

• 47:15Caleb Hammer?

  Okay, okay, well, maybe.

• 47:19Speaker 04

  We went over.

• 47:21Caleb Hammer?

  And he was?

• 47:22Speaker 04

  An old coworker from eight and a half years ago.

• 47:26Speaker 04

  I don't think he's gonna answer either.

• 47:28Speaker 03

  I don't think so, because you guys only do streaks.

• 47:30Speaker 04

  Yeah.

• 47:32Speaker 03

  Most of them, we only do streaks. So you send like one in the morning and one at night. I think that's about it.

• 47:36Caleb Hammer?

  This is weird. And the fact that you're okay with it. I guess you.

• 47:40Speaker 03

  Because I trust her.

• 47:42Caleb Hammer?

  Based on what? I have no idea, but it's because you are afraid of being alone. Let's be honest. So Alphonse, you've also told Colton that apparently there's a girl that you were suspicious of that she hooked up with in high school.

• 47:54Speaker 03

  That's, that's, that's what I told you.

• 47:57Caleb Hammer?

  Okay, have you woman since you guys have been together?

• 48:00Speaker 04

  No.

• 48:02Speaker 03

  So that.

• 48:03Caleb Hammer?

  But you said you want to bring her in. You told Colton, you said you want to go hang out with her. Oh, she wants to go hang out with her.

• 48:09Speaker 03

  In Louisiana. Yeah.

• 48:10Caleb Hammer?

  You want to go hang out with her? The woman that you had.

• 48:14Speaker 04

  I also have family over there.

• 48:17Caleb Hammer?

  Yes, but you want to go see her and hang out with her, buddy. I'm sorry. Come on. Come on.

• 48:27Speaker 03

  She, since that incident in 23, and we had her fighting out, falling out and everything, she did build trust.

• 48:36Caleb Hammer?

  Or she's better at hiding. She's a serial cheater her entire life. I don't believe shit. Once, once you're a serial cheater.

• 48:42Speaker 03

  Snap Maps and Life360 and she hands me her phone all the time and I'm allowed to use her phone. Like, it's just, there's.

• 48:49Caleb Hammer?

  Which is.

• 48:50Speaker 00

  This episode is brought to you by Indeed. You're ready to level up your business, but the pressure to find the right person to make that happen is intense. Indeed sponsored jobs can help carry the load. It boosts your job post to help it reach quality talent fast. Cut through the chaos with Indeed sponsored jobs. Get a $75 sponsored job credit at indeed.com/podcast. Terms and conditions apply. Hiring now? Then this is a job for Indeed sponsored jobs.

• 49:19Caleb Hammer?

  Why are you able to see exactly what happens when she drives with her male coworkers to and from work?

• 49:25Speaker 03

  Because that's all that is.

• 49:26Caleb Hammer?

  Uh huh. That's all it is. No one's ever given or gotten road header touched once in their lives. What do we think the household financial score is?

• 49:33Speaker 03

  Oh, like a one or a point five?

• 49:35Caleb Hammer?

  Mm hmm.

• 49:39Speaker 04

  Probably about the same.

• 49:41Caleb Hammer?

  Okay. If you want Hammer Financial Score, take the assessment for free at CalebHammer.com. You can see where you stand in the world of money. Where are you doing great? Where are you doing poorly? What you need to do to improve. Make sure to download, if you don't want to be like a guest who ends up on the show, the new and approved Dollar Wise Budgeting App. It is incredible. It is taking the budgeting app world by storm. It is awesome. Check it out. It is brand new. And if you take the annual version, which most people do, not only do you save 50% only through the end of March, but you get my budget friendly cookbook signed by me mailed directly to you, and then it's going away at the end of March. And you also get our new daily budget meal plan signed by me mailed directly to you.

• 50:20Caleb Hammer?

  I can't believe you had to put our cameras all around the house just because of her.

• 50:23Speaker 03

  No, so the camera is just the one in the office because our cat likes to roam in there.

• 50:29Caleb Hammer?

  Uh huh.

• 50:30Speaker 03

  Um, dark cat constantly goes on her lap and bothers her on her chair.

• 50:34Caleb Hammer?

  What's this quick credit connect?

• 50:36Speaker 04

  That is a loan that I have.

• 50:38Caleb Hammer?

  Why do you have a loan?

• 50:40Speaker 04

  Because our given-

• 50:41Caleb Hammer?

  To fix a car to go suck someone's dick?

• 50:43Speaker 04

  No, to help pay rent and utilities.

• 50:46Caleb Hammer?

  Oh, so when we were paying rent, we weren't even paying-

• 50:49Speaker 03

  That was when I was unemployed.

• 50:51Caleb Hammer?

  Which the VA paid for your rent?

• 50:54Speaker 03

  No, so I was unemployed for six months. The VA helped us move into a curtain house and paid for the first three months.

• 51:01Caleb Hammer?

  Wait, why am I being told that you're about to buy a house?

• 51:05Speaker 03

  Well, because we are.

• 51:06Caleb Hammer?

  What? You're not paying rent asshole. How are you gonna make that make sense?

• 51:12Speaker 03

  So we are looking at a house in Mississippi for $45,000 and the monthly payments is gonna be half of rent.

• 51:19Caleb Hammer?

  Mississippi?

• 51:20Speaker 03

  Yeah, Mississippi.

• 51:21Caleb Hammer?

  Well, I guess you guys don't really have careers, so you could go anywhere.

• 51:24Speaker 03

  Yeah.

• 51:25Caleb Hammer?

  What the, for $45,000?

• 51:27Speaker 03

  Yes.

• 51:27Caleb Hammer?

  What the, what, what is it? A trailer?

• 51:29Speaker 03

  It is a manufactured home, three bedroom, no, two bedroom, one bath.

• 51:32Caleb Hammer?

  Why are you doing that? Why are you doing it to depreciate an asset?

• 51:36Caleb Hammer?

  Just rent. That's even, it's better.

• 51:39Speaker 03

  Can't stand renting.

• 51:40Caleb Hammer?

  Well, yes, you can and you will because it's better. Don't get a manufactured home. Why are we moving to man? What are, what are we doing here? Trying to get away from all the dicks she's used to?

• 51:50Speaker 03

  No, we're trying to get, I'm tired of renting.

• 51:53Caleb Hammer?

  Why? This is dude. So you get a depreciating asset and you have to rent the lot you're on anyway.

• 51:58Speaker 03

  No, that we're going to own the land it's on.

• 52:00Caleb Hammer?

  You're going to own the land?

• 52:01Speaker 03

  Yes.

• 52:01Caleb Hammer?

  Okay, that, that could be the only upside, but a manufactured housing takes a lot of money, goes down in value. And then you have to try to sell it and it gets. Why is this our dream? What the fuck is happening here? What are we talking about?

• 52:12Speaker 03

  So the.

• 52:12Speaker 04

  The main dream is the land to build our own house. A manufacturer home is just to be able to have a temporary.

• 52:19Caleb Hammer?

  How are you getting a manufactured house and land and potentially building a future house? When you can't even pay $800 rent without all these loans, without not paying it? The are you talking about?

• 52:30Speaker 03

  What the? Just because the last year was doesn't mean that's what's going to be for the future.

• 52:35Caleb Hammer?

  Yeah, but doesn't mean you can't do it now.

• 52:37Speaker 03

  Half of just threw up shit.

• 52:39Caleb Hammer?

  But that certainly means you can't get a house now.

• 52:41Speaker 03

  Fucking my knee between having different jobs. I'm doing the best I can with what I have.

• 52:46Caleb Hammer?

  Right. Savings $171. How the are you doing this?

• 52:51Caleb Hammer?

  Yes, that does mean you can't do this now.

• 52:53Speaker 03

  How we're doing it, but it's just, we're, it's been, it's been happening.

• 52:57Caleb Hammer?

  I told you literally going to do it in like a couple of months. How? You have a hundred dollars in savings. You've done nothing but fuck up everything for a year and a half. This makes no sense. I'm not saying you can't do it in five years, but how are you doing it today?

• 53:13Speaker 03

  Hopes and dreams.

• 53:14Caleb Hammer?

  Oh, for.

• 53:16Caleb Hammer?

  And hopes and dreams. She's not cheating on you. That's how you build that trust.

• 53:19Speaker 03

  That trust is three years of just.

• 53:21Caleb Hammer?

  Three years of going through DMs and she found a way to get it out of the DMs. Come on. Seen this game before.

• 53:29Caleb Hammer?

  Had cheaters before and I know them and smell them when I can. They're right next to me.

• 53:39Caleb Hammer?

  Why not just open up? You obviously want to other men. And that's fine. There is biological desire there and you.

• 53:48Speaker 03

  The open relationship would only benefit her.

• 53:50Caleb Hammer?

  Yeah, cuz you can't land.

• 53:51Speaker 03

  No.

• 53:54Caleb Hammer?

  You can go to the gym, get some game. Dress better.

• 53:59Speaker 03

  Yeah, probably, but it's. I would, I'd rather stick to what I have.

• 54:04Caleb Hammer?

  Oh, no, I agree. I agree. I would just draw the line in the sand.

• 54:07Speaker 03

  I tried drawing a line and she wants to cross it.

• 54:13Caleb Hammer?

  But you're the one who proposed open.

• 54:15Speaker 03

  I proposed bringing another person in relationship.

• 54:18Caleb Hammer?

  Why?

• 54:19Speaker 03

  Um, at the time, it was just stale and um, with her being swinging both ways. Bringing another woman in relationship would benefit the both of us.

• 54:30Caleb Hammer?

  Did you say no?

• 54:31Speaker 04

  I said, that's a possibility.

• 54:34Caleb Hammer?

  Then what happened?

• 54:36Speaker 03

  Uh, what happened is the conversation got dropped and never brought up again.

• 54:39Caleb Hammer?

  Why?

• 54:40Speaker 03

  I don't know why. It was just.

• 54:42Speaker 04

  My guess is cuz we got too busy focusing on our jobs and try and make money to pay our bills.

• 54:47Caleb Hammer?

  Uh huh, sure.

• 54:49Speaker 03

  Back my last job, I was getting twenty five dollars an hour. We were living very comfortably in a three bedroom house.

• 54:54Caleb Hammer?

  The rumor saying having an open relationship takes all the fun out of cheating for her. It is true.

• 55:00Speaker 03

  It is true.

• 55:00Caleb Hammer?

  Cheating is a kink for many people.

• 55:02Speaker 03

  It is.

• 55:03Caleb Hammer?

  It's kinda crazy. It's forbidden. It's bad. It's naughty.

• 55:08Speaker 03

  I mean.

• 55:09Caleb Hammer?

  I prefer more the open thing, but it's cuz I don't wanna get as well, hurt my feelings.

• 55:15Speaker 03

  I don't think anybody really wants to unless that's.

• 55:16Caleb Hammer?

  Yeah, but I think that's what she likes. Is that the thrill of it?

• 55:19Speaker 04

  No.

• 55:23Caleb Hammer?

  Huh? What? Okay. Mm hmm. I mean, you couldn't even afford to take care of your two dogs. You had to rehome them. So you're gonna get a mortgage? What are you talking about asshole?

• 55:34Speaker 03

  The.

• 55:34Caleb Hammer?

  Dude, this makes no sense. You're literally putting this on a loan and now your payments on here are two hundred eleven dollars and twenty nine cents. Who knows what the interest is? It's horrendous. It's already above the original balance you took out of three thousand dollars cuz you're probably not even paying this.

• 55:48Speaker 04

  I made three payments on it already.

• 55:52Caleb Hammer?

  And the interest is so brutal that it just for a long time.

• 55:54Speaker 03

  I think the interest is twenty three percent.

• 55:56Caleb Hammer?

  Oh, yeah.

• 55:59Caleb Hammer?

  What are we doing? Why do you guys live the lives that you live? Okay, okay, okay, okay. Oh, oh, fees, oh, fees, fees, fees, fees, fees. What's CC flow?

• 56:10Speaker 04

  It's a line of credit to help build my credit.

• 56:14Caleb Hammer?

  To help build your credit? What fucking credit are you trying to build? You have personal loans and credit cards and bullshit everywhere. What do you mean build your credit?

• 56:23Speaker 04

  I'm just trying to make my payments on time, build my credit so that I can-

• 56:27Caleb Hammer?

  You already have debts, make those payments on time.

• 56:29Speaker 04

  I am.

• 56:30Caleb Hammer?

  Why do you need this?

• 56:32Speaker 04

  Cause I originally pulled that out to help with bills and I've made-

• 56:35Caleb Hammer?

  There you go, that's the real answer.

• 56:37Speaker 03

  What's the credit limit on that?

• 56:38Caleb Hammer?

  I, I can't see, I, I don't know.

• 56:41Speaker 03

  Cause if it's, if CC flows, the one was $3,000, that one was to consolidate, I think two small ones.

• 56:46Caleb Hammer?

  So that's what it was, you don't know, oh my gosh, you don't even know what's happening. Neither of you know what's happening. A thousand, what? You owe $2,308.98.

• 56:55Speaker 04

  That was the limit that it gave me originally and then it has refinanced twice.

• 57:00Caleb Hammer?

  Alright, I'll let you use the Fizz card, it's a debit card that builds credit. How about that? Only lets you spend what's in your checking account. Do that! That's it! You can't do any thing else.

• 57:13Caleb Hammer?

  Wait, you had a wife?

• 57:15Speaker 03

  Yeah.

• 57:16Caleb Hammer?

  What?

• 57:20Caleb Hammer?

  You had a wife? And- So this is why, this actually confirms why you're sticking around. Because you're just afraid of having to go through this again.

• 57:28Speaker 03

  Well, yeah, because it happened.

• 57:30Caleb Hammer?

  Oh no, you can't just put up with someone who takes it behind your back. Why'd you guys break up? Ex-wife, this early?

• 57:42Speaker 03

  Yeah, so it was, we were living in, with her mom and we had a kid and it was-

• 57:51Caleb Hammer?

  You have a child?

• 57:53Speaker 03

  Yes, he lives with his mom.

• 57:55Caleb Hammer?

  Oh.

• 57:55Speaker 04

  His mom that doesn't want him?

• 57:57Speaker 03

  My ex-wife.

• 57:59Caleb Hammer?

  Okay, well, why'd you break up? Cause that's even more intense.

• 58:02Speaker 03

  She divorced me because she cheated on me with her high school sweetheart.

• 58:08Speaker 04

  Oh boy, oh boy.

• 58:10Speaker 03

  Yeah.

• 58:11Speaker 04

  Are we sure this isn't your king?

• 58:13Speaker 03

  Uh, what, me getting cheated on?

• 58:19Speaker 03

  Why would I want that?

• 58:21Speaker 04

  I don't know.

• 58:22Speaker 03

  Just because it happens to me doesn't mean I want it to happen. So if

• 58:29Speaker 03

  if my life has to restart multiple times because my wife or girlfriend cheated on me, I don't, I'm not into that, that's

• 58:41Speaker 03

  I've wanted that when that happened, I But she left you. You didn't even leave her when she cheated. She left you. She cheated and left you. She left me for him. She left me for him and then told my son to call him dad and put me out of the picture completely. She took the house. Did you go to court, dude? No, because Do you not give a about your kid enough to go to court? I couldn't. What is wrong with you? What do you mean you couldn't? Uh, because I was in a hospital for attempting suicide.

• 59:10Speaker 05

  Wow, man.

• 59:16Speaker 03

  Oh, my goodness. So while I was in there, she Then do it later. I'm glad you're alive. Let's be clear. The reason why I haven't yet is because if I were to go now, I would lose and it would be no point. Why? Because she already has the kid and I am, as you can see, I'm financially I wouldn't be able to afford a kid.

• 59:37Speaker 04

  She won't let him see the kid without her being there and she doesn't even have the time to bring

• 59:43Speaker 03

  Why? She was just attracted to another dude. Why is she being rude to you? Oh, no, she's more than that. So that, that guy that she cheated on me with only lasted two years. Oh, my God. And now she's with a woman. How's your kid? Oh, my goodness. What is, why? Well, you surround yourself with the worst women.

• 59:58Speaker 04

  Eight?

• 59:59Speaker 03

  That's a good question. Your kid's eight? No, my kid was born in 2019, May 31st, 2019. Okay. Of course. He's turning seven in May. Yeah.

• 1:00:09Speaker 04

  Okay.

• 1:00:11Caleb Hammer?

  How long has it been since you talked to your kid?

• 1:00:14Speaker 03

  It's been two years.

• 1:00:15Caleb Hammer?

  Oh, good death.

• 1:00:16Speaker 03

  Because, so-

• 1:00:17Caleb Hammer?

  You guys don't have a kid together, right?

• 1:00:18Speaker 03

  No, I was living in Idaho when I was, I reached out to her, and she reached out to me. She was living in DFW and told me she was leaving Texas to move to Tulsa, Oklahoma.

• 1:00:30Caleb Hammer?

  She cheated, she left you, then she cheated and you won't leave, and now you're- Honestly, if in the post-show Brandon literally just [BLEEP] her, you wouldn't do anything. You literally would not do anything.

• 1:00:43Speaker 03

  I wouldn't.

• 1:00:43Caleb Hammer?

  No, you wouldn't.

• 1:00:45Speaker 03

  If it happened and I knew it happened, I'd be gone.

• 1:00:48Caleb Hammer?

  No, no, because this has happened so many times and you've never left.

• 1:00:51Speaker 03

  The only thing that's happened is nudes. That's the only thing that's happened.

• 1:00:54Caleb Hammer?

  If she literally took a titty, sent it to Brandon in the post-show, you would do nothing.

• 1:00:59Speaker 03

  If it happened now, no, I would be gone. Because it's, I, it happened once and it hasn't happened again, and I told her if it happens again, I'm [BLEEP] gone.

• 1:01:08Caleb Hammer?

  $349 of fees. Why is there fees? Why are there fees happening everywhere? I don't even know.

• 1:01:13Speaker 04

  What one is that one?

• 1:01:14Caleb Hammer?

  This is the [BLEEP] CC flow. I just, I, I, I, I, I don't, I don't, I just don't, like, it's like, we're gonna go through this, but how will you ever trust each other? I am not trusting her. You literally have access to all her messages.

• 1:01:29Speaker 03

  I do.

• 1:01:29Caleb Hammer?

  That is that bad. Our relationship is in that stage.

• 1:01:36Caleb Hammer?

  I'm gonna go through y'all's text messages in the post-show.

• 1:01:39Speaker 03

  Okay.

• 1:01:41Caleb Hammer?

  And every time this happens, it's gonna be [BLEEP] juicy. I know for a fact it's gonna be juicy. Why does this have 140, 145% interest rate? What is this? What is this loan?

• 1:01:54Speaker 04

  Chicken go loan?

• 1:01:55Caleb Hammer?

  It's a payday loan.

• 1:01:56Speaker 04

  Yeah.

• 1:01:58Speaker 03

  That's been refinanced three times.

• 1:02:02Caleb Hammer?

  Well, I don't know what the fuck it worth. I'm gonna say it's 1,200, 1,925,044 cents, cuz who knows, you just keep refilling every time for fucking what?

• 1:02:13Speaker 04

  We originally got it, it was to help us buy groceries. And then, the next time, when I refinanced it, it was for utilities, because we had...

• 1:02:24Caleb Hammer?

  How much do you guys make on your DoorDash?

• 1:02:27Speaker 03

  I make 450 dollars a week.

• 1:02:29Caleb Hammer?

  A week, okay, let's call that after gas maintenance, everything.

• 1:02:32Speaker 03

  After gas, it's the 320.

• 1:02:34Caleb Hammer?

  Okay, let's call it 250 then a week, okay? And then, let's call it 200 after taxes that you will set aside. Make 200 extra a week in actual, true after-tax profit times 52 divided by 12. Okay, an extra 8.67 a month. You?

• 1:02:50Speaker 04

  I make about 150 a week.

• 1:02:53Caleb Hammer?

  Okay.

• 1:02:54Speaker 04

  On DoorDash.

• 1:02:55Caleb Hammer?

  Before, everything?

• 1:02:56Speaker 04

  Yeah.

• 1:02:57Speaker 03

  Uh, you don't do DoorDash as much as I do. I think it's 150 a month, is what you do.

• 1:03:01Speaker 04

  You think a month?

• 1:03:02Speaker 03

  Yeah, I think a month, because you do, when you go DoorDash, it's like, once a weekend.

• 1:03:06Caleb Hammer?

  I'll call it like 100 bucks then, for you.

• 1:03:07Speaker 03

  Yeah.

• 1:03:09Caleb Hammer?

  Oh, yeah, yeah, guys, you're fucking broken, man. Yeah, that's cuz she works four hours.

• 1:03:13Speaker 04

  Yeah.

• 1:03:13Caleb Hammer?

  Well, this is, I mean, a payday loan's crazy. Payment of, oh, it's twice a month. You actually making these payments?

• 1:03:21Speaker 04

  Yes.

• 1:03:24Speaker 03

  The check and go is what she, one of the first things she pays with her paychecks.

• 1:03:28Caleb Hammer?

  148.12 cents a month at 145% interest rate. Indigo!

• 1:03:36Caleb Hammer?

  I believe it, I'm mistaken. These ones have horrendous interest rates, don't they? Yep, there it is, 36%. Fuck me. What are we doing? It's maxed out. So, it's another one of yours. Why do you need a credit bill to do? What are you talking about? You're already a payday loan.

• 1:03:49Speaker 04

  That one I pulled out, because...

• 1:03:51Caleb Hammer?

  You gotta pull out, dude.

• 1:03:52Speaker 04

  Not pulled out, I got it.

• 1:03:53Caleb Hammer?

  You better be pulling out, so he's not getting another baby that's not his. 970.91 cents.

• 1:03:59Speaker 04

  I got that one to help us when we were moving down here, because we forgot to account for how much gas we would need after pulling a U-Haul.

• 1:04:07Caleb Hammer?

  Speaking of pulling out, I mean, I'm just gonna keep going back to it, cuz this is, again, the trust thing. Answer this question right now. Okay, hey, let's take your word. You have not cheated. You have not physically cheated, okay? And you have not sent nudes in three years, okay? So, we're aligned on that word.

• 1:04:23Speaker 03

  Yep.

• 1:04:23Caleb Hammer?

  And you will not cheat. Like, even if you wanted another guy, you would not cheat. Now, answer me this. If given permission... Would you want to other people, men and women? If given permission, if you say yes, if one second, if you say yes, it doesn't mean you will without his permission. I am asking with permission, would you be open to that?

• 1:04:43Speaker 04

  I'd be open, but I probably wouldn't take it because after the past year, I've been addicted, addicted.

• 1:04:55Caleb Hammer?

  Oh, good. Five years in. Just the last year.

• 1:04:58Speaker 04

  Like I have been off the walls addicted.

• 1:05:00Caleb Hammer?

  Why?

• 1:05:01Speaker 04

  More than I was.

• 1:05:02Caleb Hammer?

  What changed? That's a good question. How often do you guys? Uh, if I initiate, it's once or twice a week. If she initiates, it's once a month. That's addicted? So you would?

• 1:05:12Speaker 04

  So.

• 1:05:13Caleb Hammer?

  Come on, if you given permission, you would, come on, I'm saying given permission, I'm not saying cheating, given permission, you would want to other men and women. Given permission.

• 1:05:22Speaker 04

  Not necessarily.

• 1:05:23Caleb Hammer?

  I am. Your shit, man. Okay, okay, okay, okay. Three years to pay this off. And you're addicted is once a month. It's not how I usually define it.

• 1:05:33Speaker 04

  That was two years, like the past two years before this last year, I was doing like once a month.

• 1:05:41Caleb Hammer?

  He just said once a month.

• 1:05:43Speaker 04

  Like since start of 2026.

• 1:05:46Caleb Hammer?

  Which is. For a month and a half then? Yeah.

• 1:05:49Speaker 04

  More.

• 1:05:50Caleb Hammer?

  Twice a month, yippee. So the last time she.

• 1:05:54Speaker 04

  Three times the past week.

• 1:05:56Caleb Hammer?

  Okay, the past week. I'm just like, what the fuck are we talking about? Yeah, she got a little horny. It's ovulation window. Great.

• 1:06:03Speaker 04

  Not yet.

• 1:06:04Caleb Hammer?

  What the fuck is going on here? Okay, someone pull up their Amazon. I'm told, I'm being told to pull up your Amazon. You've had a late fee this year.

• 1:06:11Speaker 04

  Me?

• 1:06:11Caleb Hammer?

  It's Indigo. Yeah.

• 1:06:12Speaker 04

  Yeah.

• 1:06:13Caleb Hammer?

  Yeah. Like it's nothing.

• 1:06:16Speaker 04

  A singular late fee.

• 1:06:18Caleb Hammer?

  Yeah. Oh, start a screen recording. Okay.

• 1:06:28Caleb Hammer?

  If you want to land a high-paying job but don't have experience or a degree, then you need to learn about Course Careers. It is the easiest way to land the high-paying career that you've been dreaming of. I've done financial audits for hundreds of people, and what I've learned is that the single biggest factor someone can take to improve their life is getting a higher-paying job. And that is why I've been such a huge promoter and even an investor in Course Careers. The way it works is you simply go through an affordable online course to start a new high-paying career path. They teach many different in-demand jobs ranging from technology sales to accounting, construction project management, the trades like electrician, plumbing, HVAC supply chain, and many others that can be done remotely. And the coolest part about Course Careers is their platform works

• 1:07:10Caleb Hammer?

  for people who don't have any previous experience or degrees. Their courses teach you everything you need to know to land your first entry-level job. And they have a 100% free introductory course for each career that teaches you all about what the job is like, how much money you'd make, and how exactly to land your first job, starting from scratch. Click the link below to sign up for one of their free courses today. I am so excited for you guys to finally get your hands on what I've been working on for a year, the brand-new Dollar Wise Budgeting App. And listen, I get it, the first iteration was a disaster. Many reasons from working with an external agency to shit infrastructure that I could use, but let's be honest, that was on me. So I put my money where my mouth is.

• 1:07:53Caleb Hammer?

  And after investing millions of dollars and hiring dozens of people, we've completely rebuilt Dollar Wise, and it is truly incredible. And to celebrate, I am giving you some insane deals to sign up for the first time or trying it again after you used the shitty version last year. But these deals only last through March 31st, and then they're gone forever. Download now, take your free trial to test it out, and get the monthly plan at a 33% discount for three months, or take the annual plan for an insane 50% discount. And with the annual, you get my budget-friendly cookbook signed by me and my brand-new 30-day detailed budget meal plan signed by me as well.

• 1:08:33Speaker 00

  This episode is brought to you by Indeed. You're ready to level up your business, but the pressure to find the right person to make that happen is intense. Indeed sponsored jobs can help carry the load. It boosts your job post to help it reach quality talent fast. Cut through the chaos with Indeed sponsored jobs. Get a $75 sponsored job credit at indeed.com/podcast. Terms and conditions apply. Hiring now? Then this is a job for Indeed sponsored jobs.

• 1:09:02Caleb Hammer?

  To them mailed directly to you. But after March 31st, the cookbook is gone forever. So this is literally your last chance to get it. And if you're feeling extra sexy, become one of the founder 500 purchasers to get my founder box featuring a bunch of goodies plus lifetime access to the premium version of DollarWise. Don't miss this opportunity of a lifetime. Download DollarWise and start your free trial. Go to dollarwise.com or click those links below.

• 1:09:27Caleb Hammer?

  For fuck's sake. This is a foldable phone? It's so long.

• 1:09:32Speaker 03

  Yep, it's a Motorola Razr.

• 1:09:34Caleb Hammer?

  Oh my goodness, gaming shit. Memory foam seat cushion. Yeah, where you can sit down and game shit. Oh my gosh, professional earbuds for gaming. What the is this? Couples rose after remote. Please don't, is that, that's not on right now, is it?

• 1:09:46Speaker 03

  No. I don't, we haven't used it yet.

• 1:09:50Caleb Hammer?

  Dude, it's this gaming shit and stupid shit, man. Oh my goodness. And then another vibrator.

• 1:09:58Caleb Hammer?

  And then shit, you just set up a gaming setup. How much did you invest into this gaming setup?

• 1:10:02Speaker 03

  The, actually the monitors, that's her Christmas.

• 1:10:05Caleb Hammer?

  For fuck's sake.

• 1:10:05Speaker 03

  She was using on TVs. And I, on Christmas, I got her two monitors for her setup.

• 1:10:12Caleb Hammer?

  How often do you watch?

• 1:10:14Speaker 04

  Like once a month?

• 1:10:19Speaker 04

  If at all?

• 1:10:21Caleb Hammer?

  I don't know, it just doesn't line up.

• 1:10:23Speaker 04

  He watches it more than I do.

• 1:10:28Caleb Hammer?

  Well, if you're not fucking him, that's fair.

• 1:10:29Speaker 03

  Yeah, I watch most daily.

• 1:10:32Caleb Hammer?

  Oh.

• 1:10:33Speaker 03

  And I jog off like once or twice a day.

• 1:10:35Caleb Hammer?

  Oh.

• 1:10:38Caleb Hammer?

  Oh. Oh. Hopefully not in the triple dippers.

• 1:10:47Caleb Hammer?

  Gamer subs is good. Use my link on the Gamer Subs website. You'll get a discount, okay?

• 1:10:51Speaker 03

  The reason we got it on Amazon is because her grandparents got us a $75 Amazon gift card.

• 1:10:57Caleb Hammer?

  Okay. But in the future, use mine. You get, I think it's a 10 or 20% discount. It's 40 cents a serving. It is much better to make at home.

• 1:11:05Speaker 04

  Yeah.

• 1:11:05Caleb Hammer?

  It's cheaper. You got a Donald Trump best gamer ever thing and Second Amendment, American flag. I mean.

• 1:11:11Speaker 04

  Christmas. That was his Christmas stuff.

• 1:11:14Caleb Hammer?

  Okay, that's exciting.

• 1:11:15Speaker 04

  And his birthday stuff.

• 1:11:17Caleb Hammer?

  Learned a lot while sitting on the pot. Oh my goodness, you guys are.

• 1:11:20Speaker 03

  That book was wild, by the way.

• 1:11:22Caleb Hammer?

  That was a book?

• 1:11:23Speaker 03

  Yes.

• 1:11:23Speaker 04

  Yes.

• 1:11:24Caleb Hammer?

  You've read?

• 1:11:24Speaker 03

  I have.

• 1:11:25Speaker 04

  I've.

• 1:11:28Caleb Hammer?

  Okay.

• 1:11:28Speaker 04

  I buy him books so that he can read them because they're topics that he's.

• 1:11:33Speaker 03

  Oh, that's a fun game. That's a great board game.

• 1:11:38Speaker 03

  It's a great board game.

• 1:11:39Speaker 04

  It's a great game.

• 1:11:41Caleb Hammer?

  Okay, interest and fees. Oh, this is a different Indigo card. No, this is Destiny. Destiny, who has the Destiny card?

• 1:11:47Speaker 03

  That's her.

• 1:11:48Caleb Hammer?

  Oh my gosh, it's all you so far.

• 1:11:49Speaker 04

  That was for.

• 1:11:51Caleb Hammer?

  We needed credit builder.

• 1:11:52Speaker 04

  When I first moved out of my grandparents' house. It was to help me.

• 1:11:57Caleb Hammer?

  What was that?

• 1:11:58Speaker 03

  I think it was back when we.

• 1:12:00Speaker 04

  I was 21.

• 1:12:02Speaker 03

  Yeah, when he moved in with me shortly after we got together.

• 1:12:07Caleb Hammer?

  $48 monthly fee, credit protection, two years to pay off. What a disaster. What a disaster. Who's credit ninjaing?

• 1:12:15Speaker 03

  That's Luna's.

• 1:12:16Caleb Hammer?

  Oh, Luna, you're just an incredible, what a, what a, what a catch you got here.

• 1:12:20Speaker 04

  Most of the loans I've pulled out are because he has shit credit and can't pull them out.

• 1:12:26Caleb Hammer?

  I need to define this because everyone in the audience always thinks I'm attracted to literally every single one that comes on here. I just want to be objective. You are not my type, but you are also be out of his league.

• 1:12:36Speaker 03

  Yeah.

• 1:12:36Caleb Hammer?

  Beyond.

• 1:12:37Speaker 03

  I agree with that.

• 1:12:38Caleb Hammer?

  And that is why you aren't, with all this debt, with the cheating, with the history, with, it's just like.

• 1:12:44Caleb Hammer?

  That is why you will not leave.

• 1:12:46Speaker 03

  I won't leave for multiple reasons.

• 1:12:48Caleb Hammer?

  Yeah, because she takes your dick, has big tits, is way beyond your league, and you're afraid of being alone.

• 1:12:54Speaker 03

  Yeah, that's, uh, that's about it.

• 1:12:55Caleb Hammer?

  That is it. That is why you won't leave. How does that make you feel? That's why he's not leaving.

• 1:13:01Caleb Hammer?

  If pussy whipped them.

• 1:13:02Speaker 04

  Wouldn't use that term.

• 1:13:04Caleb Hammer?

  I would.

• 1:13:05Speaker 04

  I was gonna say titty whipped, but.

• 1:13:07Caleb Hammer?

  Well, I've seen both, so.

• 1:13:11Caleb Hammer?

  Thank goodness, only one of them is hairy. Thirty-three dollars and forty-two cents a month, four hundred ninety-eight dollars and seventy-three cents. They really go full bush in Oklahoma, huh?

• 1:13:22Speaker 03

  I wouldn't know that. I don't, I haven't tested any of the Tulsa Rainbow.

• 1:13:27Caleb Hammer?

  You've only been with one woman?

• 1:13:29Speaker 03

  In Tulsa? Yeah, we haven't, we've lived in Oklahoma for not that long. We've been.

• 1:13:33Caleb Hammer?

  Are you guys in Oklahoma?

• 1:13:34Speaker 03

  So we're in Oklahoma because my baby mama moved up here and I moved down here to go be with my son.

• 1:13:40Caleb Hammer?

  Where's down up? Where? What?

• 1:13:42Speaker 03

  So she's from DFW.

• 1:13:43Speaker 04

  Yeah.

• 1:13:44Speaker 03

  She moved up from DFW to Tulsa and I moved from Idaho to Tulsa to meet her.

• 1:13:49Caleb Hammer?

  Idaho?

• 1:13:50Speaker 03

  Yeah.

• 1:13:51Caleb Hammer?

  Actually, I hear Idaho's nice.

• 1:13:52Speaker 03

  It's very nice. I loved Idaho.

• 1:13:54Caleb Hammer?

  But now you're in Oklahoma.

• 1:13:55Speaker 04

  But we moved here so that he could get to know his son and everything and then.

• 1:13:59Speaker 03

  That's a.

• 1:14:00Speaker 04

  Free. Like two, three months after.

• 1:14:03Caleb Hammer?

  I'm sorry.

• 1:14:03Speaker 04

  We moved here and she moved here, she lost her job, got evicted and had to move in with his mother. His mother, not her mother.

• 1:14:10Caleb Hammer?

  And yet you can't see the kids, though.

• 1:14:12Speaker 03

  No, because after she moved out of my mom's, she went no contact. She doesn't contact my mom anymore. The last my mom heard from her is she moved in with a coworker from a job she had for two months.

• 1:14:24Caleb Hammer?

  Okay, what's going on with credit ninja?

• 1:14:27Speaker 04

  That one was. Mine.

• 1:14:31Caleb Hammer?

  Four ninety-eight, seventy-three, thirty-three dollars, forty-two cents. You're using kickoff. I do like kickoff as a credit builder.

• 1:14:37Speaker 03

  We both have kickoff.

• 1:14:38Caleb Hammer?

  Get up. Okay, you haven't fucked it up. That's good. You, you have not brought it to that three thousand five hundred.

• 1:14:43Speaker 04

  That's the thirty-five one.

• 1:14:44Caleb Hammer?

  Who's kickoff is this? Oh.

• 1:14:46Speaker 04

  The thirty-five a month is.

• 1:14:48Caleb Hammer?

  That's why it's not being fucked. That's good. So thirty-five dollars a month, three thousand one hundred fifty, uh, no, no, sorry, that's the, that's the balance. Uh, three hundred fifty bucks. Okay. Yeah, again, this can be a tool to be used and you're doing it. This one you're doing right. I'm okay with that.

• 1:15:06Caleb Hammer?

  Let's see how you're doing it. Okay, even better, actually.

• 1:15:09Speaker 04

  I want with the cheaper one because I know I have all the other bills until those are paid off. I don't want.

• 1:15:17Caleb Hammer?

  Forty-five dollars with five dollars a month.

• 1:15:20Speaker 04

  So.

• 1:15:21Caleb Hammer?

  Good. Who's quicksilver?

• 1:15:23Speaker 03

  Mine.

• 1:15:24Speaker 04

  Wait, are we sure that one's yours?

• 1:15:26Caleb Hammer?

  Uh, who's above the limit?

• 1:15:28Speaker 03

  What's the limit?

• 1:15:29Caleb Hammer?

  Three hundred?

• 1:15:30Speaker 03

  That is hers.

• 1:15:30Caleb Hammer?

  Of course.

• 1:15:31Speaker 04

  That is the first credit card I ever got.

• 1:15:34Caleb Hammer?

  Oh, so let's keep it maxed out.

• 1:15:36Speaker 04

  Uh, I had paid it off once completely.

• 1:15:39Caleb Hammer?

  Great. So let's keep it maxed out.

• 1:15:40Speaker 04

  And then I had to use again when we moved down here for the down.

• 1:15:45Caleb Hammer?

  You're not down here. You're up in Oklahoma, like nine hours away.

• 1:15:49Speaker 03

  Seven, but yes.

• 1:15:51Caleb Hammer?

  You ain't down here.

• 1:15:52Speaker 03

  Compared to Idaho, yes.

• 1:15:53Caleb Hammer?

  Well, compared, everything compared to Idaho is down here. Okay, three hundred eighteen dollars and sixty cents with the twenty-five dollar minimum payment takes nineteen months to pay off if you even paid off your purchasing money while interest is occurring. Well, late fees are happening. She's late on everything. Why are you with her? Just for the tits? Are they that good? No, they're fine. There's big tits everywhere. For Starbucks, Starbucks, late fees, Starbucks, you. What are you doing?

• 1:16:16Speaker 04

  I have recently backed off of Starbucks because we bought.

• 1:16:20Caleb Hammer?

  Wow. And then you did it recently was literally her last statement where she's not paying it on time, getting to Starbucks, going above the limit. I recently stopped. Now you and this is your literal most recent statement available. You make your coffee, make your energy drinks at home. You.

• 1:16:38Speaker 04

  We got gamer subs literally right after we sent these to you.

• 1:16:42Caleb Hammer?

  Yeah, she, you can do both.

• 1:16:43Speaker 03

  She doesn't like coffee at home. We've tried. I've tried getting her.

• 1:16:46Caleb Hammer?

  Starbucks is like the worst coffee. Just get the beans in. You can make it just as shitty.

• 1:16:50Speaker 04

  I will say I used to work at Starbucks.

• 1:16:54Speaker 03

  And because of that.

• 1:16:54Caleb Hammer?

  That was your coffee shop that someone was jealous about?

• 1:16:58Speaker 04

  Nope, that was a different one.

• 1:16:59Speaker 03

  It was the coffee shop that she had a, was a, at a resort in Idaho.

• 1:17:05Caleb Hammer?

  Okay, Alphonse, you, you're a quicksilver.

• 1:17:09Speaker 03

  Yes.

• 1:17:09Caleb Hammer?

  Time for your quicksilver. Um, let's see.

• 1:17:12Speaker 01

  Visible puts the ultimate wireless hack in the palm of your hand. With unlimited 5G wireless data and hotspot designed to keep you connected powered by Verizon's 5G network and no contract holding you back plans start at $25 a month or get the premium visible plus pro plan and save $10 on your first month when you use promo code hack make the switch at visible.com terms apply see visible.com for details.

• 1:17:42Caleb Hammer?

  $138.26 with a minimum monthly payment of $25. Okay, seven brew coffee you're still going fuck you steam going in and getting some energy drinks probably steam steam talk about steam first of all how are you spending so much on steam I play video games I do not buy this many video games in a week.

• 1:18:01Speaker 03

  They it's either a video game.

• 1:18:04Caleb Hammer?

  Oh fuck you know what you are I was looking to buy a new video game the other day and you know what I saw Brandon on the top sold all three are simulators on steam right now.

• 1:18:13Speaker 03

  I don't not buy those games.

• 1:18:14Caleb Hammer?

  Mm hmm.

• 1:18:15Speaker 03

  I don't I can show you my steam library.

• 1:18:17Caleb Hammer?

  Who are you to talk.

• 1:18:18Speaker 03

  I can show you my steam library.

• 1:18:20Caleb Hammer?

  Well he is well come on you're the two times a day or you got a my friend.

• 1:18:24Speaker 03

  I do.

• 1:18:25Caleb Hammer?

  You got a fiction I'm glad you can at least still stick it in her but.

• 1:18:28Speaker 03

  When I was trying to stick it in her like every day we end up having a fight because she thought I was using her for her body so I had to cut back on that.

• 1:18:38Caleb Hammer?

  And.

• 1:18:39Speaker 03

  There was not I was not.

• 1:18:40Caleb Hammer?

  I think you kind of are it's the only reason you're sticking with her.

• 1:18:42Speaker 03

  I mean I I love her too which is why we're sticking through all of it.

• 1:18:46Caleb Hammer?

  You're upset that he wanted to have sex every day that's usually like a.

• 1:18:49Speaker 04

  I wasn't upset it was just with there were a lot of times where he woke me up from sleeping.

• 1:18:56Speaker 03

  Cause you gave me consent for it.

• 1:18:58Speaker 04

  At what time. Even though I told him that it was okay every now and again.

• 1:19:01Caleb Hammer?

  At what time.

• 1:19:02Speaker 04

  Random times throughout the night.

• 1:19:03Caleb Hammer?

  Like at 2am he would just be slipping it in.

• 1:19:06Speaker 03

  Sometimes 2am sometimes noon where she's sleeping at noon.

• 1:19:10Caleb Hammer?

  But permission.

• 1:19:10Speaker 03

  Yes.

• 1:19:11Speaker 04

  I did give him permission to do it sometimes.

• 1:19:13Caleb Hammer?

  That's fun oh well did you define.

• 1:19:17Speaker 03

  It was not defined.

• 1:19:17Caleb Hammer?

  And he was doing it every day.

• 1:19:19Speaker 03

  Almost every day.

• 1:19:19Speaker 04

  Almost every day.

• 1:19:22Speaker 04

  So my sleep schedule is.

• 1:19:23Speaker 03

  I told her I told her I'd rather stick it in than watch porn.

• 1:19:27Caleb Hammer?

  Yeah, well, yes, but I mean, and that is a fun little kink thing. I mean, I get it. We all like to have fun. And as long as the permission is given, it sounds like you wanted it every day.

• 1:19:37Speaker 03

  I will admit, I did get over, I did go too much.

• 1:19:41Caleb Hammer?

  Also, are you able to do it when she's not asleep too?

• 1:19:44Speaker 04

  Yes.

• 1:19:44Caleb Hammer?

  Yeah.

• 1:19:45Speaker 04

  Yeah.

• 1:19:45Caleb Hammer?

  Just wanted to make sure it wasn't just that.

• 1:19:47Speaker 03

  No, it's, no, it's just.

• 1:19:49Speaker 04

  I have to be careful not to cry around him.

• 1:19:51Caleb Hammer?

  He when you cry?

• 1:19:53Speaker 04

  He gets extremely turned on when I cry, so I can't cry around him.

• 1:19:59Speaker 03

  I can't explain it. Don't ask.

• 1:20:02Caleb Hammer?

  No, that's weird, man.

• 1:20:03Speaker 04

  Please explain.

• 1:20:05Speaker 03

  I can't. I told you I can't.

• 1:20:07Caleb Hammer?

  And every time you cry, you fuck?

• 1:20:10Speaker 03

  Yeah.

• 1:20:10Speaker 04

  If he sees it, yeah.

• 1:20:12Caleb Hammer?

  Are you're not, why don't you say no? Can you?

• 1:20:16Speaker 04

  I can, yes, but I already tell him no about a lot of other things, so.

• 1:20:22Caleb Hammer?

  And he does those anyway?

• 1:20:23Speaker 04

  Steam games, apparently, yes.

• 1:20:25Caleb Hammer?

  Oh, not sexual.

• 1:20:26Speaker 03

  Oh, sexual, no, I don't.

• 1:20:27Caleb Hammer?

  You guys have like a free use situation, I'm hearing.

• 1:20:29Speaker 04

  Yes.

• 1:20:30Caleb Hammer?

  That's fun. We like it. I'm a big fan. But, you know, as long as it's given, express consent.

• 1:20:36Speaker 03

  I told her whenever she wants to, she can, and vice versa.

• 1:20:39Caleb Hammer?

  Well, I think, yeah, you were trying to get yourself permission, but yes, I don't think she's. Okay.

• 1:20:45Speaker 03

  She's touching my bones when I'm slept a couple of times.

• 1:20:48Caleb Hammer?

  Oh, so you do it too?

• 1:20:50Speaker 04

  Yes.

• 1:20:51Caleb Hammer?

  What it's worth, I mean, you're usually not hard while you're sleeping, but.

• 1:20:54Speaker 03

  Oh, no, I am sometimes.

• 1:20:57Caleb Hammer?

  What is wrong with you?

• 1:20:58Speaker 03

  I don't.

• 1:20:58Speaker 04

  A lot of things.

• 1:21:00Speaker 03

  It's a, it's a longer, it's a shorter list of what's not wrong with me.

• 1:21:03Caleb Hammer?

  Okay, who's not making their payment on their coastal community bank?

• 1:21:08Speaker 03

  What is that?

• 1:21:09Caleb Hammer?

  Actually? You've been okay so far.

• 1:21:11Speaker 04

  Coastal community.

• 1:21:13Speaker 03

  I don't know what that is. It must, I think it's.

• 1:21:15Speaker 04

  The 125 balance.

• 1:21:17Speaker 03

  That must be a collections. I don't know what that is.

• 1:21:19Caleb Hammer?

  This is credit karma, yes, but who has coastal community bank?

• 1:21:24Speaker 04

  I don't know.

• 1:21:26Caleb Hammer?

  We don't even know who's

• 1:21:27Speaker 03

  The only

• 1:21:27Caleb Hammer?

  Guys

• 1:21:28Speaker 03

  The only thing is I have

• 1:21:30Caleb Hammer?

  Minimum payment 25 bucks, balance 125. Who knows that you purchased it on, but someone's late 1, 2, 3, 4, 5 months in a row. It's gonna go to collections.

• 1:21:39Speaker 04

  That's gotta be you.

• 1:21:39Caleb Hammer?

  You want collections?

• 1:21:40Speaker 03

  Huh?

• 1:21:41Caleb Hammer?

  Huh?

• 1:21:42Speaker 04

  Don't want collections.

• 1:21:43Caleb Hammer?

  What did you say?

• 1:21:44Speaker 04

  I said it's probably him.

• 1:21:46Speaker 03

  I don't know what that, I don't

• 1:21:47Speaker 04

  But neither of us know, so we're not sure.

• 1:21:51Speaker 03

  Highest balance 600, balance 125.

• 1:21:54Caleb Hammer?

  I don't even know what this one, we got another Coastal Community Bank. Uh, of $71, I don't even know the amount of payment, probably 25. So someone else has $75 in good standing with Coastal. And then what's TAB Sunbit?

• 1:22:08Speaker 03

  That is, uh, collections from back in like 2017.

• 1:22:11Caleb Hammer?

  Yours?

• 1:22:12Speaker 03

  Yes.

• 1:22:12Caleb Hammer?

  Bad.

• 1:22:14Speaker 04

  From 2018.

• 1:22:15Speaker 03

  2018.

• 1:22:16Caleb Hammer?

  Hopefully it'll be falling off soon, we'll see. That's gonna [bleep] hammer financial score, [bleep] sick, what is this, Nelson?

• 1:22:21Speaker 03

  That is a car I had when my

• 1:22:23Caleb Hammer?

  Close, repoed?

• 1:22:24Speaker 03

  Yeah, uh, voluntarily. When I lost my job, I voluntarily possessed it before I got late.

• 1:22:29Caleb Hammer?

  What could you thinking volunteer is so good?

• 1:22:33Speaker 04

  We know neither of them are good, but that was better than the alternative.

• 1:22:38Speaker 03

  I got that car when I had my job and when I lost my job, I voluntarily possessed it before it went late. And we couldn't

• 1:22:45Caleb Hammer?

  $8,154.

• 1:22:47Speaker 03

  Out of the, I think it was 15,000 when I got the car.

• 1:22:51Caleb Hammer?

  Kickoff, we already have Open Sky Citibank, I don't think we did this.

• 1:22:54Speaker 03

  That is my, uh, that was

• 1:22:56Caleb Hammer?

  Also closed.

• 1:22:57Speaker 03

  Yep.

• 1:22:57Caleb Hammer?

  Click. Man, so you're just a collections guy?

• 1:23:00Speaker 03

  Uh, when I lost my job, yeah, when I was unemployed for six months.

• 1:23:03Caleb Hammer?

  Why didn't you file for unemployment then?

• 1:23:05Speaker 03

  I couldn't because I, uh, quit.

• 1:23:08Caleb Hammer?

  Oh, [bleep] retard. Wait, I thought you said you

• 1:23:12Speaker 03

  Um, it was a mutual between me and the job. Um, I put in my

• 1:23:17Caleb Hammer?

  I thought you got laid off because you were gone for the surgery.

• 1:23:21Speaker 03

  No.

• 1:23:22Caleb Hammer?

  Community College, past due 1,200, for what asshole?

• 1:23:26Speaker 03

  That's my college, that is the best balance that my job is supposed to pay for.

• 1:23:31Caleb Hammer?

  Are they going to, because it is past due? $1,231.16, which is the balance, but it's also past due. Are they gonna pay for it, or?

• 1:23:42Speaker 03

  They're supposed to, if they

• 1:23:43Caleb Hammer?

  Well, are they going to?

• 1:23:45Speaker 03

  They're supposed to.

• 1:23:46Caleb Hammer?

  Oh, you have a kickoff in collections, fine.

• 1:23:49Caleb Hammer?

  Okay, who has $3,168 in federal student loans?

• 1:23:52Speaker 03

  Me.

• 1:23:53Caleb Hammer?

  Oh wait, no, there's probably gonna be more, right? Or is it just that?

• 1:23:56Speaker 03

  There's two. There's a subsidized and unsubsidized.

• 1:23:58Caleb Hammer?

  For what? Is this for ongoing right now?

• 1:24:00Speaker 03

  It's for dive school.

• 1:24:01Speaker 04

  Yeah, from his dive school.

• 1:24:04Caleb Hammer?

  What were you gonna do with dive school?

• 1:24:05Speaker 04

  Underwater welding and hazmat.

• 1:24:09Speaker 03

  And uh...

• 1:24:09Caleb Hammer?

  But you're a fat...

• 1:24:11Speaker 03

  I was 235 pounds when I went to dive school.

• 1:24:13Caleb Hammer?

  Does that mean you're fat or not? I don't know. What's... how tall are you?

• 1:24:16Speaker 03

  I am now, back then I was not.

• 1:24:17Caleb Hammer?

  How tall are you?

• 1:24:18Speaker 03

  6'2".

• 1:24:19Caleb Hammer?

  I mean, it's probably a little overweight, but, okay. 3,000... uh, okay, student loans. You're in school now, so you don't have to pay on these.

• 1:24:27Speaker 03

  Uh, those are for... those are dive school, those I do have to pay.

• 1:24:30Caleb Hammer?

  Why? Tell them you're in school.

• 1:24:31Speaker 03

  They know I'm in school.

• 1:24:32Caleb Hammer?

  What? What kind of school are you in?

• 1:24:34Speaker 03

  Uh, online college.

• 1:24:35Caleb Hammer?

  No, you would not have to pay. Is it a certification?

• 1:24:39Speaker 03

  Uh, yes.

• 1:24:40Caleb Hammer?

  Oh, there you go. Yeah, probably. 5,016 dollars, what's your monthly payment to student loans?

• 1:24:46Speaker 03

  It is, for the both of them, $50, 25 each.

• 1:24:50Caleb Hammer?

  Oh, my fuck, okay. Okay, good. Looks like that's it. Check in the account. $0!

• 1:24:57Speaker 04

  That's it.

• 1:24:58Caleb Hammer?

  And yet we're still steamed, Whataburger. Pick the worst burger there is, literally. Taco Bell! He went inside, got some bullshit. Clash of Clans you're paying for?

• 1:25:08Speaker 03

  I did that once.

• 1:25:08Caleb Hammer?

  Hey, you suck other guys' dicks.

• 1:25:10Speaker 03

  I did, I did that once.

• 1:25:12Speaker 04

  Clash of Clans? Really?

• 1:25:14Speaker 03

  Yeah. Sean and I started playing together.

• 1:25:18Caleb Hammer?

  And she's playing with the Sean as well?

• 1:25:20Speaker 03

  The Sean? No.

• 1:25:21Caleb Hammer?

  They're just playing around.

• 1:25:22Speaker 04

  Coworker.

• 1:25:24Caleb Hammer?

  See?

• 1:25:25Speaker 03

  Wait, what?

• 1:25:26Speaker 04

  I'm not...

• 1:25:29Speaker 04

  Not playing.

• 1:25:30Caleb Hammer?

  When I make a joke and she confirms it?

• 1:25:33Speaker 04

  She said Sean. He said Sean. I said coworker.

• 1:25:37Speaker 03

  No, Sean.

• 1:25:38Speaker 04

  That... he said Sean. That's Seanny.

• 1:25:43Caleb Hammer?

  When is I got some bullshit, got some bullshit, donuts, crunchy roll, Taco Bell, McDonald's, bullshit, steam purchases, no, the Walmart's not groceries, they don't do groceries, Amazon, Taco Bell, bolster, when it got some bullshit, poly buzz chat?

• 1:25:58Speaker 03

  AI.

• 1:26:00Speaker 04

  You're paying for AI?

• 1:26:03Speaker 03

  What?

• 1:26:03Speaker 04

  You're paying for AI?

• 1:26:05Caleb Hammer?

  Well, that's okay if it's a tool for work, but you just grill things. So I don't.

• 1:26:09Speaker 03

  But I use it for, uh, bullshit.

• 1:26:14Caleb Hammer?

  Pull it up.

• 1:26:15Speaker 03

  I deleted it.

• 1:26:16Caleb Hammer?

  Well, what do you do with poly chat? I don't know what this is, poly buzz chat. Never heard of it.

• 1:26:20Speaker 03

  Um, it's, it's like random role play. There's a different, uh, role play for AI.

• 1:26:27Caleb Hammer?

  He's gooning with AI.

• 1:26:29Speaker 03

  No, it's.

• 1:26:30Caleb Hammer?

  It's role play.

• 1:26:31Speaker 03

  Yeah, like D and D type role play.

• 1:26:33Caleb Hammer?

  Oh.

• 1:26:33Speaker 03

  You can goon, but I didn't use it.

• 1:26:35Caleb Hammer?

  Look at you the two times a day are.

• 1:26:38Speaker 03

  Yeah.

• 1:26:38Caleb Hammer?

  No way you're not. Taco Bell bullshit, Amazon, McDonald's, Starbucks, bullshit, bullshit, Lopez girls, DoorDash, Dave, you're using Dave?

• 1:26:49Speaker 03

  I am.

• 1:26:49Caleb Hammer?

  Me, Amazon's theme purchase, Discord Nitro, Taco Bell, bullshit, bullshit, donuts, evolution cigars, Chili's bullshit, DoorDash, Snapchat paying for Snapchat, DoorDash.

• 1:27:07Speaker 03

  I paid.

• 1:27:08Caleb Hammer?

  cigars, bullshit.

• 1:27:09Speaker 03

  It's two dollars just to restore our streak.

• 1:27:11Caleb Hammer?

  Surprise, you don't have.

• 1:27:14Caleb Hammer?

  Overdrafts. Is this yours?

• 1:27:16Speaker 04

  Yes.

• 1:27:17Caleb Hammer?

  A hundred seventy one, not much better, Amazon, IHOP bullshit, Del Taco, Minnesota Woodlands, Broadway liquor. It's a lot of liquor.

• 1:27:26Speaker 03

  She bought that for me for Christmas.

• 1:27:27Speaker 04

  Christmas present.

• 1:27:29Caleb Hammer?

  Liquor?

• 1:27:30Speaker 03

  Yeah, she bought me eight, six bottles of Jim Bean.

• 1:27:36Caleb Hammer?

  Wrong with you guys, man. You guys are weird. Tattoos.

• 1:27:41Caleb Hammer?

  Do you have tattoos?

• 1:27:42Speaker 03

  There's that piercing.

• 1:27:43Speaker 04

  Oh, that was for my nose piercing.

• 1:27:45Caleb Hammer?

  Bullshit Blizzard Hello Candy bullshit Arby's. Well, you're spending a lot of money on Blizzard 15 bucks there. Arby's McDonald's, Amazon Hulu, Lynn Cuisine Chinese, Pokemon Go, Starbucks Taco Bell, IHOP. And I've charged something food bullshit McDonald's McDonald's Starbucks Taco Bell bullshit. Prime video premium.

• 1:28:09Speaker 04

  See all the payments to all my loans.

• 1:28:12Caleb Hammer?

  Doesn't matter. You may you were late on some and you're only making minimums on others. Shut the up. Starbucks DoorDash cases. You can't pay rent and you're borrowing to pay for utilities. Go yourself. And you're not going to make society feel bad for you anymore. And once I actually dive into the spending, this is what happens every time for everyone that pretends they're like a financial victim. No, you're not. You just around. Taco Bell Little C's is going into bullshit Taco Bell McDonald's going into bullshit DoorDash over traffic is twice already this year. Thank you.

• 1:28:41Caleb Hammer?

  You all for Taco Bell. You guys are a joke.

• 1:28:43Speaker 04

  The overdrafts weren't for Taco Bell.

• 1:28:46Caleb Hammer?

  Yes, it was because it was still in your purchase history. It all comes down to it in the end. Okay, income.

• 1:28:53Speaker 03

  I didn't know she overdrafts on her account.

• 1:28:54Caleb Hammer?

  Well, she does. And yet you're with her, even though she fucks other guys dicks.

• 1:29:01Speaker 03

  I don't remember that.

• 1:29:04Speaker 04

  When you paid one of the utilities with my card, it didn't show up on my account until Monday. And then it overdrafted my account by $10.

• 1:29:14Caleb Hammer?

  Total income for the house, $3,430.

• 1:29:20Caleb Hammer?

  Okay, well, I'm sorry. Keep going. Clarify to each other while I add this up.

• 1:29:24Speaker 03

  Wouldn't hurt. The utility went negative. I think we I Door dashed and put the money in their account to pay for it to come out of negative.

• 1:29:33Caleb Hammer?

  No car payments here?

• 1:29:34Speaker 03

  We should have two car payments.

• 1:29:36Caleb Hammer?

  Oh my, but I didn't get them.

• 1:29:40Speaker 03

  Uh, I think, oh.

• 1:29:43Caleb Hammer?

  So I got one of them. Did I miss it? Did I miss it? Oh, my. What is that?

• 1:29:49Speaker 03

  We have two cars.

• 1:29:49Caleb Hammer?

  The balance.

• 1:29:50Speaker 03

  We have two cars.

• 1:29:51Caleb Hammer?

  What's the balance?

• 1:29:52Speaker 03

  One is 14,000. The other one is 13,000.

• 1:29:56Caleb Hammer?

  What's the minimum monthly payment for the 14?

• 1:29:58Speaker 03

  Uh, 540 a month.

• 1:30:01Caleb Hammer?

  540?

• 1:30:02Speaker 03

  Yes.

• 1:30:02Caleb Hammer?

  And for the 13,000?

• 1:30:03Speaker 03

  440. For three years.

• 1:30:07Caleb Hammer?

  What's the interest rates on these? Eighteen. Eighteen.

• 1:30:15Caleb Hammer?

  Alright.

• 1:30:17Caleb Hammer?

  Good luck! $1,868.51 is your new monthly payments. Eight hundred dollar rent.

• 1:30:26Caleb Hammer?

  What's your utilities and internet combined?

• 1:30:30Speaker 03

  Water is 120 a month, electric is 150 a month, gas is 90 a month.

• 1:30:36Caleb Hammer?

  And internet?

• 1:30:37Speaker 03

  Internet is 50 a month.

• 1:30:40Caleb Hammer?

  410 for utilities, that's crazy. Phone bill?

• 1:30:43Speaker 03

  150.

• 1:30:45Caleb Hammer?

  Use helium, it's cheaper, 50 bucks a line, T-Mobile's good there, I'm sure it is in Tulsa. Gas, vroom, vroom, drive, drive?

• 1:30:53Speaker 03

  200 a month.

• 1:30:54Caleb Hammer?

  For both?

• 1:30:54Speaker 03

  Yes.

• 1:30:55Caleb Hammer?

  Car insurance?

• 1:30:57Speaker 03

  350. It used to be 450.

• 1:30:59Caleb Hammer?

  Grocery, 600 meal prep, warm up, it's easy, it's chill, I don't give a [bleep] on the stove top, put in the fridge, use the microwave, I don't give a shit, use our meal plan and our budget-friendly cookbook assholes. 200 dollars for TP phone, tampons, anything else you need, new socks, whatever it is that pops up. Are there copays, medical payments, on a monthly basis?

• 1:31:17Speaker 03

  On a monthly basis, no.

• 1:31:19Caleb Hammer?

  Gym?

• 1:31:19Speaker 03

  No.

• 1:31:21Caleb Hammer?

  Subscriptions, I'll try 40 bucks, games and shit, pet insurance, you got pets?

• 1:31:27Speaker 03

  One.

• 1:31:28Caleb Hammer?

  Why, you already got rid of, what do you have? A cat. Okay, 50 dollars for pet insurance, how much for pet food?

• 1:31:34Speaker 03

  Forty a month at most.

• 1:31:35Caleb Hammer?

  Cats are cheap.

• 1:31:36Speaker 03

  Yeah.

• 1:31:36Caleb Hammer?

  Anything else you need in this budget before I say go [bleep] stuff, because there's no way this is gonna work?

• 1:31:42Speaker 03

  I believe that's everything.

• 1:31:47Caleb Hammer?

  $4,708.51, you're not getting a house, I don't know what the [bleep] you guys are talking about, you're already underwater, this makes no sense, and you suck other guys dicks, it's like, what are we doing? $1,278.51 under, like, maybe she needs to start the OnlyFans, no, not really, I would never advocate for that, unless you really want to. What the [bleep] is going on here assholes? What the [bleep] are we doing? What a joke! You need to go through the certification to cook as possible, and I'll get you a Coors Crisps one, like I said, on top of it. Get into cybersecurity. Do not increase your lifestyle and pay off all this debt. Change your behavior, maybe go through bankruptcy and you need to figure out something for your fucking career. I'll also get you a course career certification.

• 1:32:27Speaker 03

  Uh huh.

• 1:32:27Caleb Hammer?

  This is income and you guys have gone beyond debt, beyond debt. You'll never fix this and I don't know how you're not homeless. You might need to move in with family. I don't know, guys. You need to improve your careers, make more money than pay off this shit. There's no way you're going to do it now. Bankruptcy is likely in the future. This is, this is fucked. I need to do your hammer financial score, but join us for the post show, guys. Um, I guess I missed another debt. Oh, we'll figure that out in the post show. Me. Oh, the car loans are new as well. I'm going to go through their text. Oh, there's some friends debts. Oh my, there's so much, there's so much. Oh my goodness. We'll go into that in the post show. Click the join button. Hammer financial score, spending in a budget, overspend, zero out of 10 debt. There's collections, zero out of 10 emergency fund, there's zero dollars.

• 1:33:10Caleb Hammer?

  Retirement, there's nothing realized, zero. Hammer financial score, zero out of 10. They're features at Calebhammer.com. Click the join button. Join the number one membership on YouTube for a reason. Hammer Elite, three premium shows posted every single day, Monday through Saturday. It's awesome. Join us for the post show. Me. I got something.

• 1:33:27Speaker 03

  Uh oh.

• 1:33:27Caleb Hammer?

  Lately, I've been feeling disconnected and more like roommates than partners. You want to talk now or are you going to continue to be pissed off? Then she says, I was talking with a friend that I told about. We went to high school together. Why is your issue? Well, you also sent him your literal. Don't forget to download the new Dollar Wise Budgeting app. This is officially now the best budgeting app on the market and I'm giving you a special deal to download, but only through March 31st. Take a free three day 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 50% discount. And with the annual, you get my budget friendly cookbook and my brand new 30 day detailed budget meal plan signed by me and meal directly to you. Now after March 31st, the cookbook is going away forever. So this is literally your last chance.

• 1:34:10Caleb Hammer?

  And if you're feeling extra sexy, become one of the founder 500 purchasers to get my founder box featuring a bunch of goodies plus lifetime access to Dollar Wise Premium. Don't miss the opportunity of a lifetime. Download Dollar Wise and search a free trial. Go to dollarwise.com or click the link below.

• 1:34:23Speaker 05

  Now at Kroger, your points add up to more ways to save every trip. Use them your way to take dollars off groceries at checkout or save at the pump. You can even save up to $35 on your next fill-up. Same points, more choices. And with low prices on fresh, quality food, plus digital and personalized offers tailored to how you shop, your dollar goes further. Redeem your points online or in the app. Kroger: Fresh for Everyone. Restrictions apply. See site or store for details.