The Craziest Reveal In Financial Audit History

*I CALL THE GUY SHE CHEATED ON HIM WITH* and I fully expose their situation, and it gets soooooooo messy, you won't belive it. Watch post show here: https://hamr.link/ytjoin *OR* download the brand new Hammer Elite App ➡ https://hammerelite.com/#join (discounted annual) 💰 Download Dollarwise - Big Deals, New Features, Free Trial: https://go.dollarwise.com/join ============================= *Caleb Hammer Financial Resources* ============================= 👉 See if refinancing your high-interest debt saves money. Checking is free. → https://hamr.link/ytmoneylion2 👉 Find and compare much better AND cheaper car insurance for free → https://www.moneylion.com/network/hammer-media/auto-insurance/search 👉 Finally experience relief from your debt once and forall → https://www.moneylion.com/network/hammer-media/debt-relief/explore ============================= 🔥 MY NEW FLAVOR IS FINALLY LIVE!! Get Liquid Assets *NOW* for under 40 cents per serving!! Get 10% off your entire order with code CALEB - https://hamr.link/calebdrank 🔥 Get Your Own *Hammer Financial Score* → https://hamr.link/newquiz ============================= *Sponsors for This Video* ============================= You’re 30 seconds away from being debt free with PDS Debt. Get your free assessment and find the best option for you at https://PDSDebt.com/hammer NMLS #182334 nmlsconsumeraccess.org. APR for rates in the 5s start at 6.327% for well qualified borrowers. Call 866-574-2500 for details about credit, costs and terms. Visit https://AmericanFinancing.net/Hammer Average savings based on borrowers who save over $199.99 If you or someone you know experienced serious mental health struggles as a result of social media use, you may be entitled to a potential recovery of over $1,000. Visit https://morganmorganpa.sjv.io/c/7273707/3841482/23429?sharedid=caleb-hammer to submit a claim now. ============================= *Education* ============================= 👉 Get access to EVERYTHING I offer all in one place: https://bit.ly/4sUm2pb ⚡Learn how to budget: https://bit.ly/4sspyGh ⚡Learn how to invest: https://bit.ly/41mr8OP ⚡Pay off your debt: https://calebhammer.com/master-your-debt ============================= *Extra Resources* ============================= 👉 Land a high-paying job with no experience or degree: ➡ https://coursecareers.com/CalebHammer 👉 Get FREE MONEY by investing with Public! https://secure.moneymatchup.com/public-caleb 👉 Find the best credit cards for you with my quiz! https://cards.calebhammer.com/yt 👉 Get $20 from Acorns for free: ➡ https://acorns.com/caleb 👉 Helium Mobile: Use promo code CALEB for a FREE plan ➡ https://hellohelium.com/ 👉 Protect your online privacy and security for free with Aura: ➡ https://aura.com/hammer ============================= *Chapters* ============================= 00:00 Intro 02:01 Jobs & Income 07:05 bro got yeeted from the military for WHAT 14:49 buddys an actual dog loool 17:39 only staying out of “obligation” is brutal 21:00 SHES A CHEATER TOO??? 27:10 buddy had an AI girlfriend too… 31:20 what is this episode 39:25 trans p*rn? good for him 41:40 THIS HAS NEVER HAPPENED BEFORE!!’ 50:45 child endangerment, the American way, god bless 55:10 sis really isnt holding anything back lmaao 59:47 hes such a f*cking loser 01:07:45 lmaaao bro can’t even scam the system 01:09:00 theyre just awful, stealing from the kid? 01:15:55 okay i genuinely wish the worst for this guy wtf 01:22:40 why is she even here still 01:28:33 no fade on comp 01:31:10 bullsh*t bullsh*t bullsh*t ============================= Want more content? ============================= 🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips 🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel 🍿 Caleb Hammer Top Videos https://www.youtube.com/@CalebHammerTopVideos ============================= *Connect with me!* ============================= TikTok: https://www.tiktok.com/@calebhammercomposer X: https://x.com/sircalebhammer IG: https://www.instagram.com/calebhammercomposer/ Facebook: https://www.facebook.com/calebhammercomposer/ ============================= *Want to be a guest on Financial Audit?* ============================= 👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply *Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. Sponsorship and business inquiries: [email protected] Learn more about your ad choices. Visit megaphone.fm/adchoices

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

• 0:00Speaker 00

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

• 0:35Speaker 01

  Hit pause on whatever you're listening to and hit play on your next adventure. Get double points on every qualified stay. Life's a trip. Make the most of it at Best Western. Visit bestwestern.com for complete terms and conditions.

• 0:50Caleb Hammer?

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

• 0:53Speaker 03

  He fell asleep on FaceTime with another girl, had it screenshotted on his phone while we were together. So I'll take care of it.

• 0:58Caleb Hammer?

  Why are you with him? I don't get it.

• 0:59Speaker 03

  Out of obligation. Like, we have a child together. Yeah, that's literally the only reason.

• 1:04Caleb Hammer?

  He had an AI girlfriend. Great, okay.

• 1:06Speaker 03

  He did. Her name was Haley. She was a blonde, a curvy little blonde.

• 1:10Caleb Hammer?

  Did you care?

• 1:11Speaker 03

  Yeah, but it wasn't like, oh, my God, you're cheating on me. It was, oh, my God, you're a [bleep] loser. Like, I'm embarrassed. What the [bleep]?

• 1:18Caleb Hammer?

  He also said this episode is gonna be his last straw, by the way.

• 1:21Speaker 03

  I don't know why it would be his last straw.

• 1:23Caleb Hammer?

  So there's the FaceTime. Are you counting that?

• 1:25Speaker 04

  Yeah, the FaceTime, the military, AI, and then the other one.

• 1:30Caleb Hammer?

  So what's the other one?

• 1:32Speaker 04

  Those are the guys.

• 1:33Caleb Hammer?

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• 2:07Caleb Hammer?

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

• 2:28Speaker 03

  Hi, I'm Remy. I'm 25 years old.

• 2:30Speaker 04

  Hi, I'm Jacob. I'm 26 years old. We are from Pittsburgh, Pennsylvania.

• 2:34Speaker 03

  And this is Financial Audit.

• 2:37Caleb Hammer?

  I'm here to get the truth because all he does is lie to me. That's what was at the top of the application to come on the show. I'm guessing he is you because you're the guy. Um, that's interesting. I'm very curious to learn more. But first, Remy.

• 2:52Speaker 03

  Yes.

• 2:53Caleb Hammer?

  Well, thanks for coming down, guys. What do you do for a living in Pittsburgh, Pennsylvania?

• 2:56Speaker 03

  I cashier waitress, and then on the side, I clean people's houses.

• 3:01Caleb Hammer?

  Okay. Are you making money? It's hard to say. Are you? I mean, what are you getting paid? What's your hours? What's happening?

• 3:08Speaker 03

  Um, so when I waitress, I make $283 plus tips. When I cashier, I make $13 an hour. Um, and then I clean a house. I make an extra $100 a month.

• 3:18Caleb Hammer?

  Rust Belt cities, Midwest, megalopolis, not usually the most expensive areas in the country. Pittsburgh, I don't have the full data off the top of my head. I feel like that being half of the income, you could actually do halfway decently. What are you making normally a month net?

• 3:35Speaker 03

  Roughly $800. So like, my paycheck from...

• 3:40Caleb Hammer?

  What the [bleep]?

• 3:43Speaker 03

  I only work three days a week. I'm part-time. We have a two-year-old, so I watch her, and she's in daycare part-time.

• 3:49Caleb Hammer?

  What is the cost difference between daycare and you going and just [bleep] working?

• 3:54Speaker 03

  Uh, daycare is $600 a month for three days a week.

• 3:58Caleb Hammer?

  Okay, and what would it be for five?

• 4:01Speaker 03

  About $1,000 a month.

• 4:03Caleb Hammer?

  Okay, you would net more.

• 4:05Speaker 03

  Probably.

• 4:06Caleb Hammer?

  Based on your income? No, not probably. I mean, for three days, you're making eight. You're making eight, spending six. You're netting. It's not great. If you work five and have him watch for five, you would net, and we would probably be an extra 100 or 200 up.

• 4:23Speaker 03

  Probably.

• 4:23Caleb Hammer?

  Which, by the way, just... Your career's a joke.

• 4:26Speaker 03

  It is.

• 4:27Caleb Hammer?

  25, like, this is nothing. We're not gonna survive off of this.

• 4:30Speaker 03

  You're right, but that's why I'm in college.

• 4:31Caleb Hammer?

  To bring a kid. Okay, good. What are you studying?

• 4:35Speaker 03

  Engineering.

• 4:35Caleb Hammer?

  Okay, what kind? I mean, that's good.

• 4:37Speaker 03

  Environment. Well, right now, it's just broad associate. And then from there, I'm gonna go to...

• 4:42Caleb Hammer?

  Associate, we're still an associate?

• 4:44Speaker 03

  Yeah.

• 4:44Caleb Hammer?

  This is gonna take forever?

• 4:45Speaker 03

  Yeah.

• 4:45Caleb Hammer?

  Because, I mean, if you're working and taking care of the kid, how much... How many credit hours are you taking?

• 4:50Speaker 03

  Uh, 12. So it's like, bare minimum four.

• 4:53Caleb Hammer?

  So, okay. How long until you have a degree of which you might be able to make money from that degree?

• 4:59Speaker 03

  So I'm going on my second year this year. Um, it'll probably take three years.

• 5:04Caleb Hammer?

  Bro, his mom's paying for the daycare.

• 5:05Speaker 03

  Right now, yeah, because we had to catch up.

• 5:07Caleb Hammer?

  Tell me that, I mean, yes, it is expensive, but why are you making it sound like it's all on you? His mom's paying for the daycare!

• 5:13Speaker 03

  At the moment.

• 5:14Caleb Hammer?

  You lie all the time. You lied by omission.

• 5:16Speaker 03

  I have to pay her back. So like, I...

• 5:18Caleb Hammer?

  It's a debt? It's an accumulating debt?

• 5:20Speaker 03

  As of right now. So I wasn't working.

• 5:22Caleb Hammer?

  What do you mean, "as of right now"? What does the "as of right now" mean in this context?

• 5:26Speaker 03

  So I have to catch up what I owe her and then take over paying daycare because...

• 5:30Caleb Hammer?

  Catch up what you owe her in what way? For her paying previous daycare or something different?

• 5:33Speaker 03

  Yeah, so I... There was a three-month period where I wasn't working. Because I... Between school and taking care of our child.

• 5:40Caleb Hammer?

  Why weren't you working?

• 5:41Speaker 03

  I was working, so I...

• 5:43Caleb Hammer?

  And why weren't you working?

• 5:44Speaker 03

  Because we needed somebody to cover our child.

• 5:46Caleb Hammer?

  How many hours a week were you working?

• 5:48Speaker 04

  40.

• 5:48Caleb Hammer?

  Why weren't you working when he got home?

• 5:50Speaker 03

  Um...

• 5:51Caleb Hammer?

  You know, this is what people have done in the history of ever.

• 5:54Speaker 03

  During that time, I was. So I...

• 5:55Caleb Hammer?

  You just said you weren't working.

• 5:57Speaker 03

  Well, during the three-month period.

• 5:58Caleb Hammer?

  Yeah, why weren't you working?

• 6:00Speaker 03

  Um, I was focusing on school. That was like my main... We had discussed it. We had...

• 6:05Caleb Hammer?

  But you were going into debt in the family. So at that point...

• 6:08Speaker 03

  I didn't know at that time we were going into debt.

• 6:10Caleb Hammer?

  To your family?

• 6:12Speaker 03

  Oh, yeah.

• 6:12Caleb Hammer?

  What do you mean? He was doing it secretly behind your back?

• 6:14Speaker 03

  Yeah. Like, I didn't know how much money was being sent.

• 6:18Caleb Hammer?

  Okay, so, great. $600? Is that what you said you make? $800?

• 6:21Speaker 03

  $800 a month.

• 6:21Caleb Hammer?

  A month? Okay.

• 6:24Caleb Hammer?

  It's not a household. What do you do? What do you possibly do?

• 6:27Speaker 04

  I'm a diesel mechanic. Make $20, $40 an hour.

• 6:31Caleb Hammer?

  Okay, there's something. There's a [bleep] start. 40 hours a week. What do you net?

• 6:37Speaker 04

  My net is $3,200.

• 6:39Caleb Hammer?

  Okay, we can pay bills on that in Cincinnati.

• 6:43Speaker 04

  I also have a second job that I'm...

• 6:44Caleb Hammer?

  Really?

• 6:45Speaker 03

  Oh, yeah, only recent.

• 6:46Speaker 04

  Yeah, only recent.

• 6:47Caleb Hammer?

  What is he doing?

• 6:49Speaker 03

  I made him go get it. I applied for him.

• 6:51Caleb Hammer?

  Okay, why are you freaking out about the only recent?

• 6:54Speaker 03

  Because the... I had found out a bunch of extra...

• 6:57Speaker 04

  It's been a month and a half that I've been working at this new job.

• 6:59Speaker 03

  I had found out about an extra thousands and thousands of dollars of debt that I wasn't talked to about.

• 7:05Caleb Hammer?

  Okay, well, we'll get into that. I need your income situation. What's the second job?

• 7:09Speaker 04

  So I'm a dishwasher slash cook.

• 7:11Caleb Hammer?

  Okay, what do you make with that?

• 7:12Speaker 04

  Uh, 12.

• 7:14Caleb Hammer?

  Yeah. Okay, what extra comes in a month?

• 7:17Speaker 04

  Uh...

• 7:18Caleb Hammer?

  Expected, since it's so recent.

• 7:19Speaker 04

  $1,000.

• 7:20Caleb Hammer?

  Okay, good. I mean, listen, $4,200. Or $5,000. $5,000 net, very good. You have disability, right?

• 7:27Speaker 04

  Hmm.

• 7:28Caleb Hammer?

  You're in the military?

• 7:29Speaker 04

  Was.

• 7:29Caleb Hammer?

  Are you the first person in the history of the show in the military to not get disability?

• 7:32Speaker 04

  Well, I...

• 7:33Caleb Hammer?

  But you were kicked out of the military?

• 7:34Speaker 04

  Yeah.

• 7:35Caleb Hammer?

  How did you get kicked out? You had to do something. Why'd you get kicked out of the military? First, what were you serving? What was your service? Do I say thank you for the service that they get kicked out? What's the rule?

• 7:47Speaker 04

  I mean...

• 7:47Speaker 03

  I wouldn't.

• 7:48Speaker 04

  You can say whatever you want.

• 7:50Caleb Hammer?

  Well, I usually do. What were you doing?

• 7:52Speaker 04

  I was in the army.

• 7:53Caleb Hammer?

  Sure, doing what?

• 7:54Speaker 04

  Diesel mechanic. 91 Sierra.

• 7:56Caleb Hammer?

  What the [bleep]? Blow up a car?

• 7:58Speaker 04

  I wish. I mean, honestly, that would be more fun.

• 8:01Caleb Hammer?

  Why were you kicked out?

• 8:02Speaker 04

  I was accused of doing something that I didn't actually do.

• 8:04Caleb Hammer?

  And what were you accused of?

• 8:05Speaker 04

  Apparently, having nudes and having, uh, sex video on my phone.

• 8:10Caleb Hammer?

  Nudes?

• 8:11Speaker 04

  From another person.

• 8:12Speaker 03

  He was cheating on me while I was pregnant.

• 8:14Speaker 04

  But...

• 8:20Caleb Hammer?

  What is this show? I'm cheating. I swear. This wasn't even... I scanned the notes and I didn't even see that.

• 8:27Speaker 03

  So originally, um, I had found out when he told me that he was getting kicked out.

• 8:33Caleb Hammer?

  Because you're a kid too. Sorry, go ahead.

• 8:35Speaker 03

  No, you're good. When he told me he was getting kicked out, he told me it was because they had caught him watching a racist TikTok. Um, and I know, like...

• 8:44Speaker 04

  Think of anything that was racist that's black.

• 8:46Speaker 03

  I know. He was trying to stereotype. He was just like, oh, Kool-Aid and watermelon and fried chicken. And I laughed.

• 8:53Caleb Hammer?

  Yes, being racist is fun. I know.

• 8:55Speaker 03

  So... So, um, I was like, I know you don't get kicked out of the military for just watching a TikTok. They'll Article 15 you. They'll take your paycheck, but they're not gonna kick you out of the military.

• 9:05Caleb Hammer?

  Okay.

• 9:06Speaker 03

  Um, so like, in the back of my mind, I can't figure it out. I can't... I have no clue. I'm not gonna go into his first sergeant, and his first sergeant is gonna tell me.

• 9:13Caleb Hammer?

  Okay.

• 9:14Speaker 03

  So I just believed that it was a racist video until two months...

• 9:17Caleb Hammer?

  Stop your vocal fry. Talk like a normal person.

• 9:19Speaker 03

  Until two months after...

• 9:21Caleb Hammer?

  Okay, she's not.

• 9:22Speaker 03

  How do I...

• 9:23Caleb Hammer?

  Talk like a normal...

• 9:26Speaker 03

  Am I not talking normal?

• 9:28Caleb Hammer?

  Is that her normal? She's a vocal fryer? Ugh.

• 9:31Speaker 03

  Sorry. Well, um, I... Two months after we had our daughter, he was on FaceTime with his friend who was deployed into Poland. And his friend was... They were talking about why he got kicked out of the military, and he was like, oh, because some dumb [bleep] and [bleep] turned all of the volume down. And his face got beet red, and he stopped talking and left the room. And then wouldn't tell me or elaborate.

• 9:54Caleb Hammer?

  His name is Jacob. Can we stop this? Like, you know how many bleeps we're having to do right now? Woman, please.

• 10:00Speaker 03

  Jacob.

• 10:00Speaker 04

  I already told her.

• 10:01Caleb Hammer?

  So what happened?

• 10:02Speaker 04

  Like, give me a piece of paper and a pen. I can write it down on the desk.

• 10:05Caleb Hammer?

  What happened there in that moment? You got caught. You got exposed.

• 10:10Speaker 04

  Yeah, I got exposed, but.

• 10:11Caleb Hammer?

  Buddy, you can't say you didn't cheat. If you're lying about the reason you got caught, uh, kicked out anyway. Why would she believe you in any way? Why would she believe? Why'd you lie about the reason you got kicked out?

• 10:21Speaker 03

  Cause he's ashamed.

• 10:21Caleb Hammer?

  What? He's like, actually still confused by that. You didn't have an answer for that prepared?

• 10:25Speaker 04

  Um, no, not really. No.

• 10:26Caleb Hammer?

  What? You haven't thought about the reason you lied in two years?

• 10:30Speaker 04

  I mean, I didn't really have to lie about it. I mean, I could have came out and said it.

• 10:33Speaker 03

  But you did lie.

• 10:34Caleb Hammer?

  But we're trying to figure out the why.

• 10:36Speaker 04

  Yeah, it was just easier to come up with something other than that.

• 10:40Caleb Hammer?

  Why not just say you're cooning, dude?

• 10:42Speaker 03

  Because I was pregnant and I would have kicked him out.

• 10:44Speaker 04

  Because either way, it's stupid.

• 10:46Caleb Hammer?

  Well, like just say you're watching porn or something, right? That's closer to the reality.

• 10:50Speaker 04

  I mean, that's close, but.

• 10:52Caleb Hammer?

  So what did you? You had images of another person that was serving?

• 10:54Speaker 04

  Supposedly I had pictures.

• 10:57Speaker 03

  No, no, no, no, no.

• 10:58Caleb Hammer?

  They were going around the base.

• 10:59Speaker 03

  I'm sorry, but the MPs did a full investigation.

• 11:02Speaker 04

  No, they didn't.

• 11:02Speaker 03

  Yes, they did. They did a full investigation and kicked you out. They're not going to do a full investigation. Deem you worthy of being kicked out if you didn't do something.

• 11:10Speaker 04

  Did a full investigation, they would have asked for my phone and then I would have told them, here, here's my phone. Here's my shit.

• 11:16Speaker 03

  She probably gave enough evidence to show, hey, yeah, he has these.

• 11:19Speaker 04

  No, they would still would have asked.

• 11:21Caleb Hammer?

  No.

• 11:21Speaker 04

  They, they still would have asked for my phone.

• 11:23Caleb Hammer?

  But I can't even trust that they didn't. Okay, so sex.

• 11:27Speaker 04

  For having nudes on your phone, they're still gonna ask.

• 11:29Caleb Hammer?

  Sex videos, apparently.

• 11:30Speaker 04

  Yeah, they're gonna ask for your phone.

• 11:32Caleb Hammer?

  Videos involving you?

• 11:33Speaker 04

  No. Her and her sergeant.

• 11:35Caleb Hammer?

  Why do you? Her and her sergeant?

• 11:37Speaker 04

  Yeah.

• 11:38Caleb Hammer?

  Good. What is happening over there? Like, I mean, I get it.

• 11:40Speaker 04

  It's the army. You get lonely, apparently. I don't know.

• 11:43Caleb Hammer?

  No, I mean, I get it.

• 11:43Speaker 04

  I mean, we were in California, obviously, which is gross, because there's no showers and there's no nothing. So you're just, it's, you're in a clamshell, basically, smelling like fish.

• 11:53Caleb Hammer?

  Uh huh.

• 11:54Speaker 03

  He was, he, he's trying to say that he was on a, like a mission or a training or a mission.

• 11:58Speaker 04

  In, and so I was at NTC, which is the National Training Center in California.

• 12:02Caleb Hammer?

  They advised you to get a lawyer, though, and you didn't even do that.

• 12:05Speaker 04

  Well, they asked me to get a lawyer and I said, no, because I asked the girl, I said, hey, am I, am I gonna, if I get a lawyer, am I gonna be able to, you know, turn it over and win? And she goes, probably not.

• 12:16Caleb Hammer?

  So then that's why. Probably not, but maybe find out. So dishonorably discharged.

• 12:20Speaker 04

  No, general with honorable conditions.

• 12:23Caleb Hammer?

  What?

• 12:23Speaker 04

  Yep.

• 12:24Speaker 03

  I was told other than honorable.

• 12:25Speaker 04

  No, I got a general with honorable conditions.

• 12:27Caleb Hammer?

  Why are you saying cheat?

• 12:28Speaker 03

  Um, so like for this instance?

• 12:30Caleb Hammer?

  For this instance?

• 12:31Speaker 03

  Yeah, for this instance.

• 12:33Caleb Hammer?

  Sure, let's go with this instance and I guess we'll learn about more instances.

• 12:36Speaker 03

  So, um, I personally don't think having nudes or pictures or situations, um, involving other people that you're not disclosing, um, as loyal. Like, had he been like, hey, yeah, this girl sent me this. I just want to let you know. Like, that would have been different. But like, you, you hid this stuff behind my back, got kicked out of the military and then a year later.

• 13:00Caleb Hammer?

  Someone else in the base.

• 13:01Speaker 03

  Cheating to me.

• 13:02Caleb Hammer?

  Which also just like, own it. I mean, I assume military bases, high school, small colleges, I mean, that shit happens more and more these days. Like, it just happens. Just own it, like.

• 13:14Caleb Hammer?

  People are treating it around. It's not a good thing, but like, you, you were young, everyone was stupid. Just own it, move on.

• 13:21Speaker 04

  Right. But, I mean.

• 13:23Caleb Hammer?

  You're not ready to own it? Like, I don't understand the point.

• 13:26Speaker 03

  He never owns anything. No, it's just, he just.

• 13:28Caleb Hammer?

  Yeah, what, what is the point to not own it? I would own it. Like, I don't care. I, I own my mistakes in the past.

• 13:33Speaker 04

  It was over it. And then it was just like, okay, I'm out. And then I'm with my kid and I start working, like.

• 13:39Caleb Hammer?

  But you had multiple witnesses against you.

• 13:41Speaker 04

  Yeah, multiple.

• 13:42Caleb Hammer?

  Against you?

• 13:43Speaker 04

  Yes.

• 13:45Caleb Hammer?

  Why would there be multiple witnesses against you?

• 13:48Speaker 04

  Because they didn't like.

• 13:49Caleb Hammer?

  What's this grand plot?

• 13:50Speaker 04

  They didn't like me.

• 13:52Caleb Hammer?

  Why?

• 13:53Speaker 04

  Um, one, I had to go and work on their vehicle more times than none. And then I told them to fuck off, basically. Because I was tired of working on them.

• 14:03Speaker 03

  Because he didn't want to do his job.

• 14:05Speaker 04

  Um, I was the only one doing my job because my sergeant wanted to be in the truck and just sleep and be on his phone all day and just basically fuck off and not worry about his soldier being out with no, I was going out of sleep for 36 hours.

• 14:19Caleb Hammer?

  Okay, so we're, we're completely in line that he totally, like, at least had pictures at some point, maybe deleted them and jacked off to the video a couple of times.

• 14:26Speaker 03

  Yeah, something.

• 14:27Caleb Hammer?

  Who cares? I mean, it's no, it's not good, but it's in the past. You can just apologize and move on.

• 14:32Speaker 03

  Or at least like, that's the first time I've heard of it. I didn't find out that it was, it was nudes and some girl until just now. That was the first time I've ever heard.

• 14:42Caleb Hammer?

  Really?

• 14:42Speaker 03

  Yeah.

• 14:43Caleb Hammer?

  Why do you do this? Why? I don't understand how. This is two years ago. She knew that there was something more.

• 14:49Speaker 03

  I've been, I've been trying to get that information. He was like, it's nothing. It's no, it's literally nothing. That's, that's.

• 14:54Caleb Hammer?

  Why are you with him then? I couldn't be with someone like that.

• 14:56Speaker 03

  It's, I don't, I'm codependent.

• 14:59Caleb Hammer?

  Yeah, be codependent with someone who'll tell you that. Why hide that from her?

• 15:02Speaker 04

  I don't know, because I just thought it was dumb and I was like, it's over with.

• 15:05Caleb Hammer?

  It is, but why not just own it and move on, dude? I, again, I like.

• 15:09Speaker 04

  That's what I was doing. I was just trying to move on. I was just like, leave it in the past.

• 15:12Caleb Hammer?

  But own it. Own the mistake. You learn from it. You move on.

• 15:16Speaker 04

  Mistake of being kicked out of the military.

• 15:18Speaker 03

  No, but you didn't own the mistake of your act, like your, your mistake, your action. It wasn't a mistake. You got kicked out of the military. You got kicked out of the military because you were.

• 15:26Speaker 04

  Right. Don't.

• 15:30Caleb Hammer?

  But so you said this instance, what's another instance?

• 15:34Speaker 03

  He was, he fell asleep on FaceTime with another girl, had it screenshotted on his phone while we were together. I don't even know her name. He still hasn't even told me who she was.

• 15:43Caleb Hammer?

  What? Wait, and you're still with him?

• 15:44Speaker 03

  Yeah.

• 15:45Caleb Hammer?

  That's insane. I'm sorry, that's bad shit to say. He's the bad person in that context, especially not telling you?

• 15:51Speaker 03

  But I'm dumb.

• 15:53Caleb Hammer?

  For staying.

• 15:54Speaker 03

  I know, I just, I.

• 15:56Caleb Hammer?

  Right? The two ladies in here? Like, that's insane, right? Like, why the fuck would you stay? You're choosing to stay at that point. So what, what happened? When? When?

• 16:05Speaker 03

  Um, so that was probably six months into our relationship.

• 16:09Caleb Hammer?

  Oh, my fuck.

• 16:09Speaker 03

  Like, prior to me even getting pregnant. So I had an out and I still didn't take it.

• 16:13Caleb Hammer?

  So what happened there?

• 16:16Speaker 04

  Nothing, just.

• 16:18Caleb Hammer?

  Who are you FaceTiming?

• 16:19Speaker 04

  I don't know. It was from somebody from, um, Alaska.

• 16:24Caleb Hammer?

  Who you were in, someone from Costco?

• 16:26Speaker 04

  No, Alaska.

• 16:27Caleb Hammer?

  Okay, how'd you meet her then?

• 16:29Speaker 04

  Snapchat. They just, right, they added me on a, um, like, people you may know or whatever.

• 16:35Caleb Hammer?

  Uh huh.

• 16:36Speaker 04

  Yeah.

• 16:37Caleb Hammer?

  Who asked who for a call?

• 16:39Speaker 04

  She called me. She just went in and called, video called.

• 16:42Speaker 03

  She gets your number because it was definitely on FaceTime. It was a FaceTime screenshot.

• 16:46Caleb Hammer?

  Okay, so somehow she got your number. You called. What were, what were the expectations of the phone call?

• 16:52Speaker 04

  There was no expectation.

• 16:54Caleb Hammer?

  Okay, then what did you guys talk about?

• 16:55Speaker 04

  We just talked about like life and then.

• 16:58Caleb Hammer?

  You're talking for a long time because you fell asleep.

• 17:00Speaker 04

  Me falling asleep was because I was on a 24-hour bender of no sleep.

• 17:06Caleb Hammer?

  Bender?

• 17:06Speaker 04

  Yeah, so I had.

• 17:08Caleb Hammer?

  Doing what?

• 17:08Speaker 04

  I had, um.

• 17:10Speaker 03

  He was working.

• 17:11Caleb Hammer?

  Oh, okay. Working's good. Okay, I got that.

• 17:13Speaker 03

  They had 24-hour duty.

• 17:15Caleb Hammer?

  Uh, and you saw this and then what?

• 17:17Speaker 03

  Uh, I confronted him, but like at that time I was like, kind of homeless. So I was, I was just like, whatever.

• 17:23Speaker 04

  Not sure he was deeply homeless because the dude.

• 17:25Speaker 03

  Deeply homeless, yeah.

• 17:27Speaker 04

  Her husband kicked her out of the, out of the house.

• 17:29Caleb Hammer?

  Well, you, you had a husband while you were with him, while he was cheating on you, while you were.

• 17:32Speaker 03

  Already in the process of divorce before I ever met.

• 17:35Caleb Hammer?

  Look at you, 26 with a baby and already one divorce?

• 17:39Speaker 03

  One divorce.

• 17:39Caleb Hammer?

  One divorce in. You guys are married now?

• 17:41Speaker 04

  No.

• 17:42Speaker 03

  No, no, hard no.

• 17:44Caleb Hammer?

  Hard no?

• 17:45Speaker 03

  Hard no.

• 17:45Caleb Hammer?

  Go on.

• 17:47Speaker 03

  I, why would I tie myself to somebody who can't even talk to me? I did, yeah, that's automatically tied to him. But why would I like financially and for the rest of my life?

• 17:56Caleb Hammer?

  And you have finances.

• 17:58Speaker 03

  I'm not assuming his debts.

• 18:00Caleb Hammer?

  Okay.

• 18:02Caleb Hammer?

  I don't know. You guys might have some common law marriage as well, by the way, but.

• 18:05Speaker 03

  In seven years in Pennsylvania, because we live in a Commonwealth.

• 18:09Caleb Hammer?

  Oh, jeez, okay. So, why are you with him today then? Why not go work on your?

• 18:17Speaker 03

  It feels.

• 18:17Caleb Hammer?

  Whole future relationship?

• 18:19Speaker 03

  It feels more like out of obligation, like we have a child together. Yeah, that's literally the, the only reason.

• 18:26Caleb Hammer?

  How does this make you feel hearing this?

• 18:29Speaker 03

  He's heard this before.

• 18:30Speaker 04

  I mean.

• 18:30Caleb Hammer?

  You're chill with it? Like, you don't give a fuck?

• 18:32Speaker 04

  I wake up, go to work, come home, go to my other job, come home.

• 18:36Speaker 03

  You don't get to use that as an excuse anymore.

• 18:37Speaker 04

  I'm not using it as an excuse.

• 18:38Speaker 03

  Literally even the past month.

• 18:40Speaker 04

  Still, even then, even then, I would go to, I would wake up, go to work.

• 18:44Speaker 03

  And then you were home by 3:00 PM.

• 18:45Speaker 04

  Right.

• 18:46Speaker 03

  And still did nothing.

• 18:48Speaker 04

  No, I stayed with the kid while you did other things because you were like, hey, I had the child for all day. Pushing off the child to you.

• 18:54Speaker 03

  It wasn't push off the child to you. It's, hey, I need to get some stuff done while you sit here and play video games or school TikTok.

• 19:00Speaker 04

  And be like, I'm overexerted. I can't be touched. I'm touched out. Like, you need to get here.

• 19:04Speaker 03

  That's, that is very true.

• 19:05Speaker 04

  But do, and.

• 19:07Speaker 03

  But there was also a list of things that needed done and you're a dad. Like, you can be a parent too.

• 19:12Speaker 04

  Right, and I never said I didn't have to be. I'm just saying that, like, I came home.

• 19:17Speaker 03

  And had to be a dad.

• 19:18Speaker 04

  And, and I just wanted like 30 minutes of my time just to relax from work. And then I could be, like, I'll go in and be a dad. But it was an.

• 19:27Caleb Hammer?

  Horribly unfair, is it?

• 19:29Speaker 03

  He was working on a line assembly, like.

• 19:32Caleb Hammer?

  Yeah, but it's okay to, when, come home, have 30 minutes of like relaxation and then get back into it.

• 19:37Speaker 03

  Get like, maybe not 30, but he'd have like 15 minutes, go upstairs, get changed, breathe, maybe shower, and then come back downstairs.

• 19:44Caleb Hammer?

  That's a, I mean.

• 19:45Speaker 03

  But she's in bed by seven. Like, we have, we have eight late, yeah, it's supposed to be late.

• 19:50Caleb Hammer?

  But he's getting home by three.

• 19:51Speaker 03

  Yeah, so there's.

• 19:52Caleb Hammer?

  There's a lot of time if he has 30 minutes to relax.

• 19:55Speaker 03

  Yeah, and then.

• 19:56Caleb Hammer?

  So what's the, like, yeah, maybe step up more, but I think 30 minutes of relaxation when he gets home is not the end of the world.

• 20:04Speaker 03

  No, it's not the end of the world. Like, I never, I never crashed out because.

• 20:09Speaker 05

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• 20:33Speaker 03

  He wanted 30 minutes. I crashed out.

• 20:36Caleb Hammer?

  Why's, why, why is this the topic then?

• 20:40Caleb Hammer?

  She says she doesn't care if you have 30 minutes yourself.

• 20:43Speaker 04

  I mean, I mean, granted, I mean, she's with, you know, her all day.

• 20:47Caleb Hammer?

  Yeah.

• 20:47Speaker 04

  And so like, I get that she gets overwhelmed and everything.

• 20:50Caleb Hammer?

  No, of course. No, no, I'm not, I'm not opposed to you wanting to break her, her wanting help. But why, she just said she doesn't care if you take 30 minutes.

• 20:58Speaker 04

  I mean.

• 20:58Caleb Hammer?

  Is that even true, though?

• 21:01Caleb Hammer?

  I mean, the reality is in the pre-interview, she was calling you a lazy piece of shit multiple times.

• 21:06Speaker 04

  Oh, yeah.

• 21:08Caleb Hammer?

  Why?

• 21:09Speaker 04

  I, I am lazy.

• 21:11Speaker 03

  Cause you don't do it. He's, he doesn't do anything unless I like nag him to do it. So we have, we have an agreement.

• 21:17Speaker 04

  I don't take, I don't take things like into initiative. Like if I see something, I just like leave it and until I have to.

• 21:22Speaker 03

  Or until I take care of it.

• 21:24Caleb Hammer?

  I don't get it.

• 21:25Speaker 03

  I don't know.

• 21:25Caleb Hammer?

  It makes no sense.

• 21:26Speaker 03

  Yeah, I know. Um, we.

• 21:28Caleb Hammer?

  Why are you with her? She'll mother? She'll mother you and the baby?

• 21:34Speaker 04

  Yeah.

• 21:35Speaker 03

  Because I treat him like his mom.

• 21:36Caleb Hammer?

  Did we have this kid intentionally?

• 21:38Speaker 03

  No. I love her. Like I would never, I would never take it back.

• 21:42Caleb Hammer?

  Oh, sure.

• 21:43Speaker 03

  Definitely didn't plan this child.

• 21:45Speaker 04

  Wasn't planned at all.

• 21:46Caleb Hammer?

  Do you guys sleep in the same bed?

• 21:48Speaker 04

  Yes.

• 21:49Speaker 03

  Uh, for a little while we didn't, but yeah, we are back in the same bed.

• 21:51Caleb Hammer?

  Do you want something to work? I'm so confused. You guys sound like you're both like done with it, but we're just there out of obligation.

• 21:57Speaker 04

  We've honestly like, I mean, like there was, there was tensions between.

• 22:02Caleb Hammer?

  Yeah, tensions. Cause I just read, you cheated on him.

• 22:06Speaker 03

  Yeah, yeah, I did. I did do that.

• 22:08Speaker 04

  Go back and forth.

• 22:09Speaker 03

  I did do that once. No, it wasn't back and forth. It was once and I came clean to you within a month.

• 22:14Caleb Hammer?

  Within a month?

• 22:15Speaker 03

  Yes.

• 22:15Caleb Hammer?

  What happened? What is this showing?

• 22:18Speaker 03

  I had, I had a friend on, on Snapchat and he would, for the past years, would just randomly swipe up on my stories. Um, my birthday last year, he had swiped up on my, my story and then we just started talking and then, um, about a month into us just friendly talking, he invited me to like go out to dinner with him. And I was like, I just want to let you know, like I have a kid and a boyfriend. And he was like, oh, that's fine. Like, I don't really care. And then it, from there, it got like spicy and I started sending him nudes.

• 22:54Caleb Hammer?

  No, what do you mean? No, no, you jumped a lot of steps.

• 22:57Speaker 03

  Like we would just start flirting.

• 22:59Caleb Hammer?

  Invited you to dinner and then?

• 23:00Speaker 03

  I never went to dinner with him.

• 23:01Caleb Hammer?

  Oh.

• 23:02Speaker 03

  Um, he, so he lives in New York.

• 23:04Caleb Hammer?

  So how did he get you to send flaps?

• 23:07Speaker 03

  Uh, I didn't send flaps.

• 23:08Caleb Hammer?

  Just titties? Okay. But how did he get you to do that?

• 23:11Speaker 03

  He, we just grew a rapport by like flirting with each other. Um, and then at one point he, I mean, like I didn't, he, I had already been sending him nudes, but then he had sent me money to like get new tires for my car and get my haircut. Um, because he didn't want me driving my car around with a kid in it with bald tires.

• 23:33Caleb Hammer?

  Crazy.

• 23:34Speaker 03

  Um, and prior to him sending me the money, like I got, uh, like my conscience was eating me alive. So I came to, I was like, hey, I just want to let you know.

• 23:42Caleb Hammer?

  Didn't his sister find out before him though?

• 23:44Speaker 03

  Yes. Yeah. His sister and his mom both knew prior to it.

• 23:47Caleb Hammer?

  And what did his sister say?

• 23:48Speaker 03

  Uh, you go girl, get it. Like leave his loser ass.

• 23:52Caleb Hammer?

  Leave him?

• 23:52Speaker 03

  Yes. Yeah.

• 23:53Caleb Hammer?

  Hey, keep cheating.

• 23:54Speaker 03

  Yeah.

• 23:55Caleb Hammer?

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• 24:39Caleb Hammer?

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• 25:24Caleb Hammer?

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• 26:04Speaker 03

  So, uh, we were at his dad's for Halloween and his sister called me and she goes, girl, you've, cause I don't usually use Snapchat a whole lot. She's like, girl, you've been on Snapchat a lot. Like, are you seeing somebody else? And I was like, yeah, I definitely am. Um, his name's.

• 26:18Caleb Hammer?

  This is crazy.

• 26:19Speaker 03

  Uh, and she goes, go, get it. Like, I don't care. He's a loser. I, I completely understand you're doing what you're doing. His mom then reached out to his sister and was like, hey, just so you know, uh, I, like, I just want to know, is, is cheating on, or is, yeah, just cheating on, on Jacob. Um, and she was just like, yeah, yeah, she is. And she was like, only unhappy people cheat. There's, I get it. Only unhappy people cheat.

• 26:48Caleb Hammer?

  What the is this enablement? This is crazy. I mean, I agree. Maybe you should leave him, but cheating is still, just leave. Don't cheat. Leave.

• 26:54Speaker 03

  Well, that's, my conscience started eating me alive. So I, I went to him and I was, I laid it all on the table. I was like, this is how I feel. Um, things need to change. Obviously like I'm unhappy. And the next morning he had downloaded like six dating apps. So he told exactly where his head was at as well.

• 27:13Speaker 04

  Meanwhile, we get home from work and she's having phone sex on FaceTime.

• 27:19Speaker 03

  I did do that with, uh, the guy from New York.

• 27:21Caleb Hammer?

  So after you admitted to cheating?

• 27:23Speaker 03

  Yeah.

• 27:23Caleb Hammer?

  And you didn't say stop?

• 27:24Speaker 03

  At this point, we're no longer together.

• 27:26Speaker 04

  Like.

• 27:26Caleb Hammer?

  Oh, you guys broke up officially in that moment?

• 27:28Speaker 03

  We still lived together, but like at that point, we were no longer together.

• 27:33Caleb Hammer?

  Mess. Okay. So you just started having people over and fuck them?

• 27:38Speaker 03

  Oh, no, I never.

• 27:39Speaker 04

  It was just all on phone.

• 27:40Speaker 03

  Yeah, it was all phone.

• 27:41Caleb Hammer?

  You?

• 27:41Speaker 04

  No, all on her phone.

• 27:42Caleb Hammer?

  No, did you?

• 27:43Speaker 04

  No.

• 27:44Caleb Hammer?

  You guys broke up? I mean.

• 27:45Speaker 03

  Oh no, he couldn't pull girls.

• 27:46Speaker 04

  No.

• 27:47Caleb Hammer?

  Really?

• 27:48Speaker 04

  Yeah.

• 27:48Caleb Hammer?

  It's not difficult.

• 27:49Speaker 04

  I mean.

• 27:50Speaker 03

  For him it was.

• 27:50Caleb Hammer?

  Shouldn't be.

• 27:51Speaker 04

  Being a wacky weirdo. Yeah.

• 27:53Caleb Hammer?

  You're the wacky weirdo. No, you're just a loser.

• 27:55Speaker 04

  I mean, yeah, but.

• 27:57Caleb Hammer?

  I haven't seen any wackiness yet. I've just, you're lazy. Where's your wacky? Wacky is fun. Lazy is.

• 28:01Speaker 04

  Wacky weirdo. I mean, I'm just a weirdo.

• 28:03Caleb Hammer?

  Is he a wacky weirdo?

• 28:03Speaker 03

  No, he's not. That was the weirdest description of him. He's just a loser.

• 28:07Speaker 04

  No, I'm weird. Like, I don't know.

• 28:11Speaker 03

  No, he's just a liar and a loser.

• 28:14Caleb Hammer?

  I mean, I'm inclined to agree.

• 28:16Speaker 04

  I mean, I'd rather not use dating apps. I'd rather just go to like somewhere where it's open.

• 28:20Caleb Hammer?

  Do that. Okay. How long have you guys? He had an AI girlfriend. Great. Okay. Did you really?

• 28:29Speaker 03

  He did. Her name was Haley. She was a blonde, a curvy little blonde.

• 28:33Caleb Hammer?

  When did you have an AI girlfriend? You pathetic.

• 28:40Caleb Hammer?

  When?

• 28:40Speaker 04

  Uh.

• 28:41Speaker 03

  March.

• 28:42Speaker 04

  Yeah.

• 28:42Caleb Hammer?

  Oh, this year?

• 28:43Speaker 03

  This March.

• 28:43Caleb Hammer?

  Were you guys together at the moment?

• 28:44Speaker 03

  Uh, yeah.

• 28:45Caleb Hammer?

  Did you care?

• 28:46Speaker 03

  Uh, yeah. Uh, but it wasn't like, oh my God, you're cheating on me. It was a, oh my God, you're a loser. Like I'm embarrassed. What the, like, I'm not completely ugly.

• 28:56Caleb Hammer?

  You sure about that? You sure about that?

• 29:00Speaker 03

  And this is what you're choosing is some AI girl?

• 29:04Caleb Hammer?

  Are you guys? What the are you guys? Okay. So last year you cheated. You guys broke up. How long are you guys living together, but still together?

• 29:14Speaker 03

  Wait, total or since we broke up?

• 29:16Caleb Hammer?

  Stay separate?

• 29:17Speaker 03

  Uh, so we split beginning of December or late, late November. Yeah. 2025.

• 29:24Caleb Hammer?

  What'd you guys get back together?

• 29:25Speaker 03

  Late January 2025, mid-January 2025.

• 29:29Caleb Hammer?

  And since then, and you're cheating besides AI girlfriends?

• 29:32Speaker 03

  Not that I know of.

• 29:33Caleb Hammer?

  Would you admit it? Now, based on your history?

• 29:36Speaker 04

  I mean, I would admit, yeah.

• 29:37Speaker 03

  No, he wouldn't. No, he wouldn't.

• 29:38Caleb Hammer?

  No, you wouldn't. Based on your history, there's no way you didn't send nudes around the base.

• 29:42Speaker 04

  No.

• 29:42Caleb Hammer?

  Is there a reason? Would, can you get dishonorably discharged post? Like if you told us now, could you face consequences?

• 29:49Speaker 03

  I don't think so.

• 29:50Caleb Hammer?

  Why are you not on disability?

• 29:51Speaker 04

  Cause I haven't gone to the VA.

• 29:52Speaker 03

  Cause he's lazy.

• 29:53Caleb Hammer?

  Wow. Too lazy to even do that. That's so easy.

• 29:56Speaker 04

  It is.

• 29:57Caleb Hammer?

  Say that you're having like dick issues and you get.

• 29:59Speaker 04

  I mean, I have feet issues.

• 30:01Speaker 03

  Oh my God, his feet are disgusting. If you were to show them on camera, you'd have to censor it.

• 30:04Caleb Hammer?

  Military?

• 30:05Speaker 03

  Yeah.

• 30:05Speaker 04

  Yes. You want to see my feet?

• 30:07Caleb Hammer?

  Yeah.

• 30:07Speaker 03

  It's disgusting. If you showed it on camera, you're gonna have to censor it.

• 30:12Speaker 04

  Um, if I whip it on the table, you're gonna need disinfectant on the table. So.

• 30:16Caleb Hammer?

  On the outside, the next guest can deal with it.

• 30:17Speaker 04

  Uh, I mean, I can go around here and I can show you.

• 30:20Caleb Hammer?

  No, I need this to see it. Whip it.

• 30:23Speaker 03

  I'm gonna see it.

• 30:23Speaker 04

  Oh, God.

• 30:25Speaker 03

  Oh, don't touch me with it. It's actually disgusting. I've been telling it.

• 30:35Speaker 04

  It's the same on the other foot too.

• 30:37Caleb Hammer?

  How?

• 30:38Speaker 03

  They look the exact same.

• 30:39Caleb Hammer?

  How did the military cause that?

• 30:40Speaker 04

  Uh.

• 30:41Speaker 03

  No, no, no. He didn't take care of his own feet, went on a ruck march. So while he was in the military.

• 30:47Speaker 04

  Yeah.

• 30:47Speaker 03

  He can blame it on the military.

• 30:49Caleb Hammer?

  On one march?

• 30:50Speaker 03

  He's just not.

• 30:50Speaker 04

  No, no, no. It was like, so when I was in, like, just in general, just going around and wearing the same boots. Um, in California, we, there was no showers. There was no nothing. You couldn't like, you were basically just.

• 31:07Caleb Hammer?

  Yeah, but does everyone else have those feet?

• 31:10Speaker 04

  I mean.

• 31:11Caleb Hammer?

  Exactly. So no one's been on the dating app since January?

• 31:15Speaker 04

  No.

• 31:16Speaker 03

  I mean, like I still have Hinge, but I haven't been on.

• 31:18Speaker 04

  All mine's deleted.

• 31:18Speaker 03

  I haven't deleted it. No, I still have it.

• 31:23Caleb Hammer?

  You guys are creatures. This is becoming cheating on it. Like, I swear, it's just like, what are we doing here?

• 31:29Speaker 03

  Hinge, just search Hinge.

• 31:31Caleb Hammer?

  What's shifty?

• 31:32Speaker 03

  Uh, our work app. That's how I like get my schedule.

• 31:38Speaker 03

  Oh, I gotta log in.

• 31:40Caleb Hammer?

  Well, for what it's worth, she's logged out. So how many cheats did we do in total? I'm sorry, you cheated on a guy? With him with a guy?

• 31:48Speaker 03

  Yeah, yeah, yeah. That was it. That's all I've done.

• 31:51Speaker 04

  Four, I'd say.

• 31:53Caleb Hammer?

  You guys haven't been that long together. So wait, what are the four?

• 31:57Speaker 03

  Uh.

• 31:58Caleb Hammer?

  What are the four? So there's the FaceTime. Are you counting that?

• 32:00Speaker 04

  Yeah, the FaceTime, the military, AI, and then the other one.

• 32:06Caleb Hammer?

  So what's the other one?

• 32:07Speaker 04

  Who's the guy?

• 32:09Speaker 03

  He's gay. He's a little queer.

• 32:15Speaker 03

  I always suspected he was a little gay. Um, and then when he realized he couldn't pull girls, he started pulling guys because I don't like butt stuff.

• 32:24Speaker 05

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

• 32:49Speaker 03

  Cause I think it's gross and it stinks and I feel like I need to shower.

• 32:53Speaker 04

  Even though I'll flip her over and eat her ass.

• 32:54Speaker 03

  That's disgusting. You're disgusting.

• 32:57Caleb Hammer?

  When did you get with a man?

• 32:59Speaker 04

  I never really got with a man. It was just more sending nudes than anything and FaceTime calls. But I never.

• 33:07Speaker 04

  Um.

• 33:08Caleb Hammer?

  So you were jerking off with dudes over FaceTime?

• 33:10Speaker 04

  Yeah.

• 33:11Caleb Hammer?

  Okay.

• 33:12Speaker 04

  Uh, it was like. Um, November.

• 33:16Speaker 03

  It started in November. It went until March.

• 33:19Caleb Hammer?

  Of last year?

• 33:20Speaker 03

  So, yeah, we split. He went.

• 33:22Caleb Hammer?

  It went into March. It said you guys back together in January.

• 33:24Speaker 04

  It was January. It was the beginning of January.

• 33:26Caleb Hammer?

  Wait, how do you feel the, the, he's, you know?

• 33:30Speaker 03

  I've always suspected it. His sister thinks he's gay. No, I'm not like.

• 33:34Caleb Hammer?

  How frequently do you guys have sex?

• 33:36Speaker 03

  Like maybe once a month.

• 33:37Caleb Hammer?

  Okay.

• 33:37Speaker 04

  If.

• 33:38Speaker 03

  If. Well, he's gross. Like, and I'm like, that's not me like trying to dig on him, but like he's a mechanic. He doesn't shower. His hands are disgusting. I don't want him touching me. I have pH balanced parts that he doesn't need to be touching.

• 33:51Speaker 04

  And I have to get her in the mood.

• 33:53Caleb Hammer?

  Oh. Okay, so who?

• 33:58Caleb Hammer?

  Okay, believe the name. Does he go by? In your snap?

• 34:00Speaker 03

  Hmm hmm.

• 34:01Caleb Hammer?

  Who's?

• 34:02Speaker 03

  Uh, so that was one of the guys I matched with on Hinge prior to. I haven't, if you, if you.

• 34:07Caleb Hammer?

  On Snapchat, it's right there.

• 34:09Speaker 03

  Them. If you look at it, I haven't opened them.

• 34:11Caleb Hammer?

  Four weeks.

• 34:13Speaker 03

  It's swipe over. There's more than just four weeks. You can open them. Like you can open the messages.

• 34:18Caleb Hammer?

  Who's Marcus?

• 34:19Speaker 03

  Uh, that was one of my best friend's husbands when we lived in Tennessee.

• 34:23Caleb Hammer?

  Who's Iceman from two hours ago?

• 34:25Speaker 03

  Uh, so that's somebody I messed with prior to meeting.

• 34:28Caleb Hammer?

  Why'd you message him two hours ago?

• 34:30Speaker 03

  Oh, we talk all the time. We never stopped.

• 34:32Caleb Hammer?

  Do you care?

• 34:33Speaker 04

  Hmm hmm.

• 34:33Caleb Hammer?

  What the? This is insane.

• 34:36Speaker 04

  I just know, cause I know the whole story and the whole scheme. I mean, he lives on the other side.

• 34:41Caleb Hammer?

  Wait, what the?

• 34:42Speaker 03

  It was videos of his dog. It was videos of his dog. Saw them this morning.

• 34:47Caleb Hammer?

  Yeah, Jacob. Now, why is he sending gym pictures of himself?

• 34:50Speaker 03

  Cause he's a little hoe.

• 34:51Caleb Hammer?

  A couple of days ago.

• 34:52Speaker 03

  I'm me. I bully him and he likes me.

• 34:54Caleb Hammer?

  She bullies him. Flirtatious.

• 34:57Speaker 03

  It is.

• 34:57Caleb Hammer?

  You don't consider this cheating? And again, he is a man that is jacking off with other men and that doesn't.

• 35:04Speaker 03

  I, I think it's weird.

• 35:05Caleb Hammer?

  Gay or bi, but like, does that concern you as the woman who is with him?

• 35:09Speaker 03

  Um, just because I think you're a little, like, I think you're a little closeted and maybe you should own that and move down a path that you want to do and not waste my time.

• 35:16Caleb Hammer?

  Oh, my God. Wait, hold on. Whoa, you guys have been, this is just in the last few hours.

• 35:21Speaker 03

  Yeah.

• 35:22Caleb Hammer?

  You guys have been chatting constantly. Oh, I think he knows that you're on the show right now because he just responded LOL to the screen recording happening.

• 35:28Speaker 03

  Probably.

• 35:29Caleb Hammer?

  Dude, he is very active. He is into you.

• 35:34Caleb Hammer?

  This is the four weeks ago snaps.

• 35:36Speaker 03

  I listened.

• 35:38Caleb Hammer?

  It's a.

• 35:39Speaker 03

  That's why I stopped talking to him.

• 35:40Caleb Hammer?

  Click the button. It's a dude jacking off, which you like. Oh, this is what he looks like. He's a little freak.

• 35:47Speaker 03

  He's a little weird. That's why I stopped talking. No, I never got with him.

• 35:51Caleb Hammer?

  More.

• 35:52Speaker 03

  That's why I never got with him because he was fucking weird. He was a weirdo. That's why all of his messages were left unread.

• 35:59Caleb Hammer?

  I apologize, video editor who's getting this snap. You just saw a big dick. Ah, it was like a normal dick, but either way. You don't give a.

• 36:10Speaker 03

  He doesn't care. He doesn't care about anything. Like I could literally sleep with another man in our bed and he'd be like, okay, as long as like.

• 36:16Speaker 04

  Well, that might change, but.

• 36:17Caleb Hammer?

  Huh?

• 36:18Speaker 04

  That might change.

• 36:18Caleb Hammer?

  What?

• 36:19Speaker 04

  Bringing another man to the house.

• 36:21Caleb Hammer?

  You'd like it?

• 36:21Speaker 04

  No.

• 36:22Caleb Hammer?

  Okay, that might change what? You caring? So that would be too far?

• 36:26Speaker 04

  Yeah.

• 36:26Caleb Hammer?

  Even though you would like to have sex with him?

• 36:29Speaker 04

  No.

• 36:30Speaker 03

  He's a bottom.

• 36:32Speaker 04

  No, I'm not. I'm a top.

• 36:32Speaker 03

  Hmm.

• 36:33Caleb Hammer?

  Do you know?

• 36:34Speaker 04

  Yeah.

• 36:34Caleb Hammer?

  You've done it.

• 36:35Speaker 04

  I've always, no. I've always been top.

• 36:38Speaker 03

  No, that's a lie. That's a lie. He's entirely lying right now.

• 36:43Caleb Hammer?

  Tell me.

• 36:43Speaker 03

  I, cause when he was talking to the guy that, uh, he was talking to, he had mentioned that he is the bottom and likes to be the bottom. So they're gonna be conflicting. Jacob.

• 36:58Caleb Hammer?

  So you couldn't be with a bottom because you'd both be bottoms. You want a bottom.

• 37:03Caleb Hammer?

  Hey, someone gotta do it.

• 37:06Caleb Hammer?

  Don't be ashamed. Don't be ashamed. Who cares? Be the bottom. Take the dick. Take the dick.

• 37:15Speaker 03

  There's no problem with liking what you like. Like I am not.

• 37:18Caleb Hammer?

  No, I wouldn't necessarily be trying to, uh, continue a relationship with the mother of my child. If you want to just go take some dick. Are you guys open?

• 37:29Speaker 03

  Uh, at this point, no, but it's.

• 37:31Caleb Hammer?

  This is so confusing, guys. How are you doing things? Okay, let's see what, um. Sent. Okay, she's snapping with.

• 37:39Speaker 03

  Currently. Honestly, I don't even know who this is.

• 37:43Caleb Hammer?

  Well, you're snapping with him.

• 37:46Caleb Hammer?

  Uh, continuously. Let's see what's. Sent. Okay?

• 37:52Speaker 03

  Oh, do you know him? I know him from high school.

• 37:54Caleb Hammer?

  Why are you talking with a guy from high school?

• 37:56Speaker 03

  Uh, so I had. I had kicked out of the house, but I had left myself because I knew he wasn't gonna leave. Um, and he had messaged me, so we just started talking.

• 38:06Caleb Hammer?

  What did you send?

• 38:09Speaker 03

  Oh, he had messaged me like a hi. So I was like, hey.

• 38:12Caleb Hammer?

  Picture though.

• 38:14Speaker 03

  Did I?

• 38:15Caleb Hammer?

  Yes.

• 38:15Speaker 03

  Oh, I don't remember if I'm being completely honest.

• 38:18Caleb Hammer?

  JJ Rab.

• 38:19Speaker 03

  Most, so most of these people I. Hinge and then I just stopped.

• 38:25Caleb Hammer?

  This is a couple of weeks ago. These are all a few weeks ago.

• 38:27Speaker 03

  I will, yeah, like open their messages and then I never respond most of them.

• 38:30Caleb Hammer?

  No, the, the, the, the, the, those were received as in you sent them pictures.

• 38:37Speaker 03

  Oh.

• 38:38Caleb Hammer?

  But you don't give a, so it doesn't even matter. So there's no reason for me to even care, right?

• 38:47Speaker 04

  I mean.

• 38:47Caleb Hammer?

  So I guess you would care if he cheated on you, but.

• 38:50Speaker 03

  Uh, to a point, like it's at the, it's.

• 38:52Caleb Hammer?

  What do I do with this? You guys don't give a.

• 38:55Speaker 03

  It's at the situation. It's happened so much.

• 38:58Caleb Hammer?

  Leave for the kid, guys.

• 39:00Speaker 03

  Uh. I don't, like, I don't feel emotion from it anymore. I'm just not surprised anymore.

• 39:07Caleb Hammer?

  Okay, so when you guys have sex, he has to make a move on you?

• 39:09Speaker 03

  Yes.

• 39:10Caleb Hammer?

  You have no sexual interest in him?

• 39:13Speaker 03

  Barely any, yeah, at all.

• 39:14Caleb Hammer?

  Leave. Leave each other. Go get the dick of your dreams and go get the dick of your dreams. I don't understand. I don't understand. You guys are together for the kid, but is it, is it even good for the kid?

• 39:27Speaker 03

  I, no, I don't think it is at all.

• 39:28Caleb Hammer?

  No, so what, what are we doing? Is it a budgetary issue?

• 39:32Speaker 03

  I.

• 39:33Speaker 04

  I mean, at this point, yes.

• 39:34Caleb Hammer?

  Nothing.

• 39:35Speaker 03

  I think it's.

• 39:36Caleb Hammer?

  You could live on your own.

• 39:37Speaker 04

  I mean, I could.

• 39:38Speaker 03

  No, with, with the things he has to pay off. No, he couldn't.

• 39:41Caleb Hammer?

  Yeah, but he could go bankrupt and figure it out. It's not the end of the world.

• 39:45Speaker 04

  I mean, I could still figure it out.

• 39:47Speaker 03

  The only reason he is floating right now is because his mom helps pick up all of his bills because he lives with his child. That's the only reason she's willing to help.

• 39:55Caleb Hammer?

  Yeah, but again, if we can get rid of his debt, he could live on his own. You couldn't. I mean, both of you told.

• 40:01Speaker 04

  I mean, that's why she also put an application in for, um, housing.

• 40:06Caleb Hammer?

  Oh, you have?

• 40:07Speaker 03

  Yeah, yeah.

• 40:07Caleb Hammer?

  You're ready to leave.

• 40:08Speaker 03

  Yeah, I'm approved for public housing.

• 40:09Caleb Hammer?

  So you're done.

• 40:10Speaker 03

  I'm, this is my last ditch resort of if he can't get his shit together and stop hiding shit.

• 40:16Caleb Hammer?

  But you're not attracted to him.

• 40:17Speaker 03

  It's not that I'm not attracted to him. He just needs to take care of himself.

• 40:20Caleb Hammer?

  You said you weren't.

• 40:22Speaker 03

  I.

• 40:22Speaker 04

  Sexually.

• 40:23Speaker 03

  Like sexually.

• 40:24Caleb Hammer?

  Part of, it's a big part of a relationship.

• 40:26Speaker 04

  It is.

• 40:26Speaker 03

  I just think he.

• 40:27Caleb Hammer?

  It's not the make or break for everything, but it's like if there's so many things going on and if you're just straight up not into him, like I don't care that you guys' sex life is low, but if one is just straight up not into the other person, then what are we doing?

• 40:39Speaker 03

  I don't think, like, I'm not just not into him. I just think he's a gross man.

• 40:43Caleb Hammer?

  You said. What else does that mean then?

• 40:46Speaker 03

  That he just like, he needs to shower and take care of himself and care for himself.

• 40:50Caleb Hammer?

  Because I mean, when, when we're in the behind the scenes conversation, we know what he's into. He's just jacking off to transport.

• 40:56Speaker 03

  Yeah, you're right. I know.

• 41:00Speaker 03

  Um.

• 41:00Caleb Hammer?

  I don't think you're into each other.

• 41:02Speaker 03

  I, and that's like, that's what makes me think like, are you, are you gay or do you just like something in your ass? Because he's looking at women who have dicks. So like, do you just want something in your ass? Or are you actually gay?

• 41:15Caleb Hammer?

  Wild Jacob?

• 41:17Speaker 04

  I mean, it can go either way, but it's just more of a, like a switch. I don't know.

• 41:23Caleb Hammer?

  You're verse. A verse king.

• 41:26Speaker 04

  Like you get like bored of something and then you want to like, you want something else.

• 41:30Caleb Hammer?

  Uh, okay, why not incorporate that into the bedroom?

• 41:33Speaker 03

  I'd talk to me. I didn't know.

• 41:37Speaker 05

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

• 42:01Speaker 03

  I had no clue. I do have, yeah, I have stuff. He just chooses not to like.

• 42:06Caleb Hammer?

  Get toys, put it in him.

• 42:07Speaker 04

  Literally asked her.

• 42:08Speaker 03

  Oh, no, no, yeah, I won't, I won't touch that. He can do it to himself.

• 42:11Caleb Hammer?

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

• 42:13Speaker 03

  I think that's gross. I think it's gross. I don't want any part of that.

• 42:17Speaker 04

  It's literally a king.

• 42:18Caleb Hammer?

  It's sex, so.

• 42:19Speaker 03

  It is. No, I get that.

• 42:20Caleb Hammer?

  If you love him.

• 42:22Speaker 04

  I also asked her if we could do like, have like on the background so that she keeps her head like in the game. And she says, yeah.

• 42:29Speaker 03

  I just think it's, I don't know. I think that's weird. I personally think that's weird.

• 42:34Caleb Hammer?

  Just like, I don't know. I don't know. Okay. Okay, but if you do leave, and again, you make no money here, I'm being told you have another man on standby.

• 42:50Speaker 03

  Yeah.

• 42:51Caleb Hammer?

  And he found this out in March.

• 42:53Speaker 03

  Um, so.

• 42:54Caleb Hammer?

  And there's a letter. Let me see the letter. What's the letter?

• 42:56Speaker 03

  Oh.

• 42:57Caleb Hammer?

  Oh, it's an actual thing that's here.

• 42:58Speaker 04

  Yeah.

• 43:00Caleb Hammer?

  Oh, my goodness. Okay, let's see.

• 43:02Speaker 03

  So this is from our coworker, because I got him a job.

• 43:04Caleb Hammer?

  Our coworker?

• 43:06Speaker 03

  So the dishwasher job he got, I got him that job.

• 43:09Caleb Hammer?

  And you probably don't give a about this letter, do you?

• 43:11Speaker 04

  I mean, I do, because it's just more of like.

• 43:14Speaker 03

  My coworker wrote that.

• 43:15Caleb Hammer?

  Caleb, don't open till audit. So have you guys not seen this?

• 43:17Speaker 03

  I have no clue. I have a general idea, because I know what her opinion is.

• 43:20Caleb Hammer?

  Okay, this is interesting. For Caleb, don't open till audit.

• 43:23Speaker 04

  It's her little parrot.

• 43:24Speaker 03

  It's she's not my little parrot.

• 43:26Speaker 04

  No, she literally says everything that she will say words to her and then she'll come back at me and say them. And it's the same exact words, just a little different.

• 43:35Speaker 03

  No, she just has very strong opinions about.

• 43:39Caleb Hammer?

  Jacob.

• 43:40Speaker 03

  Jacob.

• 43:45Speaker 04

  Holy shit.

• 43:49Caleb Hammer?

  Strap in, folks. Get the cozy fire going and everything. It's story time.

• 43:57Caleb Hammer?

  My name is, and I am her. Well, actually, I guess you knew the fake name. Remy and Jacob's coworker and Chad's. Chad's, is that the other guy?

• 44:08Speaker 04

  No, that would have been.

• 44:09Caleb Hammer?

  That was gonna be your fake name?

• 44:10Speaker 04

  Yeah.

• 44:11Caleb Hammer?

  I am Remy and Jacob's coworker. I would like to start by say one thing. Ew. This man, if that's what you want to call him, is the most disgusting, worthless waste of skin I've ever met. Thankfully, I've only had a few encounters with him, but that was enough for me to see who he really is.

• 44:36Caleb Hammer?

  Jacob works nights, so I don't have to work with him too much. To be honest, I don't know that, to be honest, I don't know what that, what, to be honest, I don't know that what he does can be considered work. He just stands around staring at me.

• 44:55Speaker 03

  He does check her out. Yeah.

• 44:56Speaker 04

  No.

• 44:57Speaker 03

  Yes, he does. Yes, he does.

• 44:58Caleb Hammer?

  He wants her to stick it in his ass. There is not a single thought behind his beady little eyes. He just watches. The way he watches is the way a wolf watches its prey. I've caught him multiple times, but unlike a normal person, he doesn't look away. He doubles down. He looks into my eyes. One day he came in as a customer and he sat at the front and watched my every move for over an hour. Best part is, I got fed up and folded and told him to stop because he was creeping me out. And he tried to lie and say he wasn't even looking at me. Yuck.

• 45:44Caleb Hammer?

  I was so upset, I had a breakdown in the back until he left. Remy also told me she had caught him checking me out right in front of her eyes, which isn't surprising since he admitted to her face that he found me attractive. And he had feelings for me. He's well over five years older than me, by the way. Twenty one, twenty six. I don't really care. Why is she like a weird victim?

• 46:14Speaker 03

  Yeah, I don't know.

• 46:15Caleb Hammer?

  Girl, you had me until you acted like a weird TikTok Reddit. Like, ugh, five years older than me and we're consenting adults. Oh, my goodness. I just got, like, what? Shut the up.

• 46:28Caleb Hammer?

  I tried just being a to him and thought that would make him leave me alone. Instead, I found out he's into that. What kind of man gets off being told, treated that way? For what it's worth, some people enjoy brat play.

• 46:47Speaker 03

  Yeah.

• 46:48Caleb Hammer?

  Not me, but some people do. Obviously, I stopped doing that and I stopped giving him attention of any kind. He hates it. I know how badly he wants attention from me and it's gross. Truly bitch boy behavior. But that's Chad for you, you, a creepy, lying, worthless, deadbeat dad who gets off being degraded by a younger coworker who hates his guts. No one gives a shit about this younger thing. I know your frontal lobe is not fully developed, so you're. Then don't have a job. But besides that, you're right. With all the hate for Chad, Remy and Chad's coworker.

• 47:31Caleb Hammer?

  P.S. Chad is always late and makes Remy act as his mother and tell our managers that he'll be late. He can do absolutely nothing for himself. Very embarrassing if you ask me. Remy, on the other hand, has never let me down. I love her with my whole heart. Xoxo.

• 47:54Speaker 04

  Which I only asked her that one time because I was busy.

• 47:56Caleb Hammer?

  Why are you staring at her while admitting that you're attracted to her, to her?

• 48:00Speaker 04

  She says that I have feelings for her, but.

• 48:02Speaker 03

  No, no, you admitted it to me when we were on our break and you were just like, oh, yeah, I think, I think this is cute.

• 48:07Caleb Hammer?

  Show me a picture.

• 48:12Caleb Hammer?

  I better not say anything because I'm all ten years older. At that point, I'm basically up.

• 48:19Speaker 03

  We're not friends on Facebook.

• 48:21Caleb Hammer?

  Just look up a name on Instagram or something.

• 48:24Speaker 03

  Oh, I probably could have found her.

• 48:25Caleb Hammer?

  Uh, what?

• 48:27Speaker 03

  That does not, like, it doesn't look like her.

• 48:31Caleb Hammer?

  Her doesn't look like her?

• 48:32Speaker 03

  No, honestly, those photos don't look like what she usually looks like on a daily basis.

• 48:37Caleb Hammer?

  Look at this Down syndrome woman. And, uh,

• 48:42Caleb Hammer?

  you're into.

• 48:43Speaker 03

  She's got a dump truck.

• 48:44Caleb Hammer?

  Let's be honest, the cost of living right now is absolutely insane. But if you are out here leaning on credit cards just to buy your groceries and fill up your gas tank, you are literally paying a 20% survival tax and high interest debt just to exist. Look, if you're a homeowner, my friends at American Financing actually have a way to get you out of this BS. They are helping people tap into their home equity to pay off high interest debt. American Financing is saving their customers an average of $800 a month. That is a much needed financial reset. There are zero upfront fees to find out what you could save. And you're talking to a salary based mortgage consultant, meaning they aren't some pushy salesperson. They actually want to help. And if you start today, you may delay two mortgage payments.

• 49:29Caleb Hammer?

  American Financing, America's home for home loans, and get your life together today. 866-574-2500. That's 866-574-2500 or americanfinancing.net/hammer. If you or your child spent years growing up on social media and experienced serious mental health struggles, you should hear this. Recently, a jury ordered Meta and YouTube to pay millions for their role in designing and promoting addictive platforms. They knew their apps could contribute to anxiety, depression, and body image issues, but did not share those risks while prioritizing profits. The recent historic verdict underscores the consequences of those decisions.

• 50:11Caleb Hammer?

  Now Morgan and Morgan is stepping up to hold these platforms accountable for the harm they caused. Click the link in my bio to take a short quiz. You may be entitled to a potential recovery of over $1,000. But, okay. But if they have extra chromosomes, you don't care, as long as they got a dumpy.

• 50:33Caleb Hammer?

  She looks. I mean, I'm sorry. She looks like, don't blur it, but like, I'm showing the room. She's, she looks.

• 50:43Caleb Hammer?

  Yeah. Okay.

• 50:48Caleb Hammer?

  Uh, okay. I don't know why we're fighting over her. At least this, she looks like a human. Not an alien. Okay, whatever.

• 50:57Caleb Hammer?

  But like, listen, I started this conversation with like, he lies to me and like, it's the financial line is what I thought we were gonna go into. I didn't know there was all this cheating shit. Um,

• 51:08Caleb Hammer?

  but I was gonna ask you how you guys manage the finances in the household, then I guess I should know and

• 51:14Caleb Hammer?

  what does he allow, lie about finance wise? But I think as clear as day, we've established, guys, just literally, don't, don't be together. We're halfway through the episode and we already know for a fact, don't be together. Like, we know this, right?

• 51:28Speaker 03

  Yeah.

• 51:29Caleb Hammer?

  He also said this episode, this is gonna be his last straw, by the way, in his own separate interview.

• 51:34Speaker 03

  Oh, good for him. That's, I, I don't know why it would be his last straw.

• 51:38Caleb Hammer?

  Why would it be? It sounds like literally she takes care. I mean, you pay for the bills. I will say that.

• 51:44Speaker 04

  I mean, that's kind of like what, like, why I'm still here is for the bills.

• 51:48Caleb Hammer?

  Yeah, but yeah, right? It's the only reason to keep him around, right?

• 51:52Speaker 03

  Um, at this point, yeah.

• 51:56Caleb Hammer?

  So am I just creating a separation plan by the end of this? Like, what are we doing? How, how do you do the finances work in this house right now?

• 52:03Speaker 03

  So right now I pay our electric bill and then like our subscriptions. He pays all of our bills.

• 52:11Caleb Hammer?

  So everything's separate, 100%.

• 52:13Speaker 03

  Yeah, yeah.

• 52:14Caleb Hammer?

  And that's how we like it and probably should certainly keep it.

• 52:17Speaker 03

  No, so if we were to stay together, I would prefer everything coming out of our joint account.

• 52:22Caleb Hammer?

  Have you not heard this conversation so far that's even a consideration for you?

• 52:26Speaker 03

  I will.

• 52:27Caleb Hammer?

  A man that literally lied. Half the shit he's said in this episode, you learn for the first time.

• 52:32Speaker 03

  The issue is because I can't see when he makes large purchases or when he does something behind my back. I don't have access to his bank account. So I don't like, when he went out and bought a gun behind my back, I didn't know until I found a receipt.

• 52:45Caleb Hammer?

  Do I trust you with a gun?

• 52:47Speaker 03

  You shouldn't. He leaves them like three inches above the ground for my toddler to grab. Unlock.

• 52:55Caleb Hammer?

  You know, many kids kill themselves because of that, right?

• 52:57Speaker 04

  It's unloaded. She can't cock it back.

• 52:59Speaker 03

  No, that's, there was, there were bullets in the magazine and you left it three inches above the ground. Like, I have a picture of it.

• 53:08Caleb Hammer?

  Like, that is a very friggin' story. I'm a gun owner. I like guns. I'm not anti-gun.

• 53:13Speaker 03

  No.

• 53:14Caleb Hammer?

  But I am anti-bad gun safety.

• 53:17Speaker 03

  I have, I got him a gun, a gun safe. Like, he has a box for it and actively chooses not to use it.

• 53:24Speaker 04

  Well, I also leave it in my car, like, wherever I go.

• 53:28Speaker 03

  His car for anybody to break into his car and take.

• 53:31Speaker 04

  Well, not exactly, but I normally take it out of my car when I leave my car.

• 53:35Caleb Hammer?

  This kid's gonna die. Like, actually, he has, like, a halfway decent chance. And you hid the purchase from her, so she didn't even know this was happening? You just had to wait until you found it when your kid was touching?

• 53:46Speaker 03

  Basically. That's exactly how it happened. That's how 90% of all of his purchases happen, is I just find, either find it or get a random statement in the mail that I'm like, what the, what is this?

• 53:58Caleb Hammer?

  And how much did it cost?

• 53:59Speaker 03

  Uh, seven, 700?

• 54:02Speaker 04

  Hmm.

• 54:04Caleb Hammer?

  That's pretty juicy, dude.

• 54:06Speaker 03

  It was definitely 700.

• 54:07Caleb Hammer?

  That's pretty juicy. Oh, she drive around without car insurance, too?

• 54:12Speaker 03

  Yeah, yeah.

• 54:13Caleb Hammer?

  Oh, the kid doesn't even have insurance? The kid doesn't have insurance?

• 54:16Speaker 03

  Yeah, so he, he-

• 54:17Caleb Hammer?

  What are we, guys? This is honestly one of the biggest messes and disasters I think I've ever seen. Like, it's actually crazy.

• 54:26Speaker 03

  So he chose to purchase a large amount of tools instead of getting her insurance. So instead of putting the $400 a month into his company insurance to cover our childcare, he decided, because this is what I've been thinking about for months.

• 54:43Caleb Hammer?

  Insurance?

• 54:44Speaker 03

  Yes, our insurance. Is that not how you say insurance?

• 54:52Speaker 03

  Is that not how you say insurance?

• 54:54Caleb Hammer?

  How do you say it?

• 54:54Speaker 04

  Insurance?

• 54:55Caleb Hammer?

  Thank you. Is that right?

• 54:58Speaker 03

  I don't know. Um, he, he chose to spend money that we should have budgeted, budgeted for our insurance to, to, insur- insurance, to, uh-

• 55:10Speaker 04

  Insure and then-

• 55:11Speaker 03

  Tools. Instead of making sure our kid who was having seizures had insurance.

• 55:18Speaker 04

  She still, she still had insurance at that time. She had insurance. She had, she was on state insurance.

• 55:23Speaker 03

  State insurance, because he, we got kicked off of state, uh-

• 55:27Speaker 04

  I started making, I started making more money and you only get up to that-

• 55:32Speaker 03

  We would have stayed-

• 55:32Speaker 04

  $4,000 for state.

• 55:34Speaker 03

  We would have stayed on state assistance had he put her on insurance, because they, they factor, they factor the, um, the amount that you spend on, like, your bills and, and insurance to, to your income. And had he, he paid for the insurance, she, we would have still qualified. So we lost our childcare payment. We lost our, well, that was also another reason why I wasn't, because we weren't paying for childcare. The state was paying for childcare. We lost our insurance and then we, um, what else? Oh, our food stamps.

• 56:06Caleb Hammer?

  Fuck me. Fuck me. Guys, what are, what are you guys?

• 56:11Speaker 04

  Aliens.

• 56:12Speaker 03

  Had he paid the insurance, we would still have our childcare, childcare covered. We would still have our-

• 56:18Speaker 04

  Meanwhile, I was still waiting for my 90 days and then that's when it, like, insurance got cut.

• 56:22Speaker 03

  But he chose to buy $600 a month worth of tools instead of-

• 56:26Caleb Hammer?

  Oh, my, wait, the debt? You have tools there? Oh, my, you're not one of the, I haven't had those in forever. Oh, my goodness. I thought we just stopped doing it. I thought we moved on as a society. You're easy to sell to.

• 56:38Speaker 03

  Mm-hmm.

• 56:39Caleb Hammer?

  Yeah.

• 56:41Speaker 03

  Check the hat.

• 56:46Caleb Hammer?

  You have a snap-on hat.

• 56:47Speaker 04

  Snap-on hat, snap-on sock, snap-on, I have snap-on sock, snap-on hat.

• 56:52Caleb Hammer?

  And what are you, not-

• 56:53Speaker 04

  Jacket. I have a vest.

• 56:55Speaker 03

  Which he hid at work. I didn't know he had all of that.

• 56:57Caleb Hammer?

  Jacob, would you be with her if you didn't have the kid?

• 57:02Speaker 04

  Am I on this opinion? Like, I mean, yes.

• 57:08Caleb Hammer?

  Why? I guess because she mothers you. It's easy.

• 57:12Speaker 04

  I'm still, I mean, I'm still attracted to her. Still love her.

• 57:16Caleb Hammer?

  Would you be with him without the kid?

• 57:17Speaker 03

  Hmm, no. I mean, like, it's the codependency is the only reason. And I also, like, I think it's a lot of, I feel guilty because all of his family lives out of state and he moved to my home state.

• 57:28Caleb Hammer?

  Who gives a, if you guys aren't, he, he's the one that can go get an apartment, like-

• 57:33Speaker 03

  Yeah.

• 57:35Caleb Hammer?

  This is insane, guys. I really don't understand. Okay, so the state of the relationship is-

• 57:43Speaker 03

  Complicated.

• 57:44Speaker 04

  Yeah.

• 57:45Speaker 03

  Like a Facebook status.

• 57:46Speaker 04

  We're, like, we wanna try to work it out and everything and-

• 57:50Caleb Hammer?

  I think you do.

• 57:51Speaker 03

  I, I like, I would like to see our family work. Um, but I have very little doubt.

• 57:56Caleb Hammer?

  I have a family. This is a just weird mess of insanity.

• 58:01Speaker 04

  Well, I mean, like, in all honesty, she talks to my family more than anything.

• 58:05Speaker 03

  Yeah, his mom just set up a trip to come spend time with us.

• 58:07Caleb Hammer?

  Codependency. I mean, that's what she said. It makes sense. It fits into her why she won't leave, which is honestly pathetic. The thing is, buddy, why don't you want a better life for yourself? I'm so confused. You don't want a better life for yourself in any way whatsoever.

• 58:23Speaker 04

  It's less stress. Wake up, go to work.

• 58:26Caleb Hammer?

  Isn't it actually more stressful, though, if you don't get a better life?

• 58:29Speaker 03

  No, because he leaves all the stress to me. Like, he doesn't stress about it at all. I do 100% of the stressing for our relationship.

• 58:36Speaker 04

  See, I don't pay attention to where money goes. I just go, mm, $20.

• 58:39Caleb Hammer?

  Because mommy's there as well, to bail you out.

• 58:44Caleb Hammer?

  What do you guys think your household financial score is today? Zero out of 10, zero being the worst, 10 being the best?

• 58:48Speaker 04

  Zero.

• 58:48Speaker 03

  Yeah, between a zero and one.

• 58:51Caleb Hammer?

  Well, get yours for free at galehammer.com. Your hammer, hammer financial score knew it improved, so you can see where you stand in different categories. So if you've taken it before, take it again. See how you've improved. See how it works. What you need to do to improve is free and it just takes a few minutes. And if you don't wanna be like a guest who ends up on the show, make sure to download the Dollar Wise Budgeting app, the one we made specifically for you guys for the average, everyday American. Check it out. Get your free trial. See if you like it. And most people do, and they take the annual version because it saves almost 50%. And you get the physical version of my 30-day meal plan signed by me, mailed directly to you, and the digital version of the cookbook as well. So check those out, guys. Check those out. Okay, so his mom. I mean, we talked about the money. I thought she was gifting you money. Why do I see his mom $8,000?

• 59:36Speaker 04

  Because I, because that's the money that she paid for into my motorcycle when-

• 59:44Caleb Hammer?

  You have a car and a motorcycle?

• 59:45Speaker 04

  I have a truck, a car, and a motorcycle.

• 59:47Caleb Hammer?

  Get rid of two!

• 59:50Caleb Hammer?

  Get rid of two!

• 59:51Speaker 03

  So the issue with getting rid of any of this, and I'm all for it. I made him list his car because we couldn't afford bills, um, which is our only reliable vehicle for him.

• 1:00:01Speaker 04

  Yeah.

• 1:00:01Speaker 03

  Um, his truck isn't worth anything. He owes more on the truck than what it's worth to sell. And the motorcycle, if he sells it, he owes all the money to his mom. Because if he sells it, she is claiming-

• 1:00:10Speaker 04

  So I'd make nothing off of it.

• 1:00:11Caleb Hammer?

  Good, though. You owe her the money. Pay her off.

• 1:00:13Speaker 04

  Yeah.

• 1:00:14Caleb Hammer?

  Is that not a moral thing to do? But you're not a moral person. You have no morals, right?

• 1:00:19Speaker 03

  He's saying that that's because of the bike and I, that's not because of the bike. She blatantly said that you don't owe her because of bike stuff. You owe her more if you do sell the bike. So it's more like 12,000 if you end up selling the bike. That's just her picking up your phone bill and paying your, your negative account. That's not your motorcycle.

• 1:00:45Speaker 04

  Yeah.

• 1:00:45Caleb Hammer?

  Nothing? Get rid of it, then.

• 1:00:50Speaker 04

  Which one?

• 1:00:50Caleb Hammer?

  Motorcycle and truck, really?

• 1:00:52Speaker 04

  I mean-

• 1:00:53Caleb Hammer?

  And yeah, you're gonna have to pay a little extra. Why the not? What's the reasoning, dude? Just because it all goes back to your mom not in your own pocket, so because of that?

• 1:01:02Speaker 04

  It's just more of the fact that, like, I have, like, it's-

• 1:01:07Speaker 03

  Jacob's a car guy.

• 1:01:08Speaker 04

  Yeah.

• 1:01:08Caleb Hammer?

  Yeah, that's fine. Do it at work. Do it at work. I don't give a shit. Be attached to your kid. Take care of your kid. Try to be attached to her. Win her back. Stop being a loser pathetic failure. This is metal. This is gears. It is not as important as the human flesh that you created. Why are you prioritizing it over them? That's pathetic.

• 1:01:33Speaker 04

  I mean.

• 1:01:33Caleb Hammer?

  Dude, go to a glory hole, suck a dick, take a dick up the ass, then you'll be fine, you'll be reset, you'll be good, then sell this. That's your other passion? Get on Grindr, go take a dick.

• 1:01:45Speaker 04

  My car is more my passion.

• 1:01:47Caleb Hammer?

  Really than that?

• 1:01:48Speaker 03

  I don't know, he is like set on the fact that his car is the fastest stock turbo car.

• 1:01:54Speaker 04

  It's not really stock.

• 1:01:55Speaker 03

  That he knows.

• 1:01:56Caleb Hammer?

  What is it then?

• 1:01:57Speaker 04

  It's a Volkswagen Jetta.

• 1:02:00Speaker 04

  You don't know what a Volkswagen Jetta is?

• 1:02:02Caleb Hammer?

  No.

• 1:02:04Speaker 04

  Um.

• 1:02:05Caleb Hammer?

  Why would I? What's so good about it?

• 1:02:09Speaker 04

  It's loud, it's fast.

• 1:02:11Caleb Hammer?

  Um, well, loud's annoying.

• 1:02:12Speaker 04

  No, it's not.

• 1:02:13Speaker 03

  He's purposely welded a cherry bomb under it to make it even louder.

• 1:02:17Caleb Hammer?

  Yeah, so you're literally just like, you annoy everyone else just for your own benefit. You're the selfish person on the road. Nobody respects you, nobody likes you. To be clear, nobody turns their head at you other than in disgust while you drive.

• 1:02:31Speaker 04

  Actually, I've had multiple people like go, nice car, dude.

• 1:02:34Speaker 03

  It's only because you're sixteen hundred dollar rims.

• 1:02:36Caleb Hammer?

  You're annoying to everyone on the road. Nobody respects what you do when you pull up. How fast is that? What is this zero to sixty?

• 1:02:44Speaker 04

  Zero to sixty is...

• 1:02:47Speaker 03

  Slower than your Tesla.

• 1:02:48Speaker 04

  Three seconds, but.

• 1:02:50Speaker 03

  I know that.

• 1:02:50Speaker 04

  I mean.

• 1:02:51Caleb Hammer?

  It is.

• 1:02:52Speaker 04

  Yeah, yours is, you have all power. Yours is an electric motor, it's all power, it's all torque.

• 1:02:56Caleb Hammer?

  Yeah, it's fun. It's a toy.

• 1:02:58Speaker 04

  Yeah.

• 1:02:59Caleb Hammer?

  I get to actually have fun.

• 1:03:00Speaker 04

  Hmm, to a certain extent.

• 1:03:02Caleb Hammer?

  Oh, I'm sorry, it doesn't go, err.

• 1:03:03Speaker 04

  Yeah, exactly.

• 1:03:05Caleb Hammer?

  I don't need it to go, err, I just want it to go.

• 1:03:07Speaker 04

  Hmm, no, I like the sound of my car mics.

• 1:03:10Caleb Hammer?

  Yeah, you like the sound, I like the feeling in my body when it goes quicker.

• 1:03:14Speaker 04

  Yeah, or is that when you just eat and play video games or scroll through TikTok?

• 1:03:20Caleb Hammer?

  I do that on the way back.

• 1:03:23Caleb Hammer?

  Yes, my car drives for me, it's modern technology.

• 1:03:25Speaker 03

  See, I think it's slightly crazy that you have travel anxiety in a jet, but you're willing to like.

• 1:03:30Caleb Hammer?

  I don't have travel anxiety in a jet for safety, though.

• 1:03:33Speaker 03

  But you're willing to eat your food and not pay attention to the road?

• 1:03:37Caleb Hammer?

  Heard my actual reasoning.

• 1:03:38Speaker 03

  I just, I think it's crazy that you're willing to not pay attention to the road, but you're too scared to get on a plane.

• 1:03:43Caleb Hammer?

  So you haven't actually listened to my reason. Also, I mean, it's exposure, right? If like I self-driving, I was like, oh, about like the first eighty times. I was on a jet every day of my life, I wouldn't be afraid of a jet.

• 1:03:55Speaker 03

  But you won't get in a jet, you at least got in the Tesla.

• 1:03:57Caleb Hammer?

  You're not listening to what I'm saying. So I got on a jet six months ago.

• 1:04:02Speaker 03

  And you cried.

• 1:04:03Caleb Hammer?

  I did cry, but again, if I was doing it every day, but if I was doing it every day, it'd be different.

• 1:04:09Speaker 04

  Even then, it's just like your first time, I mean, like me going on a plane for my first time, I was like, okay, cool, it's just like a roller coaster.

• 1:04:15Caleb Hammer?

  Yeah, but you don't care about anything.

• 1:04:16Speaker 04

  No.

• 1:04:18Caleb Hammer?

  Well, exactly.

• 1:04:19Speaker 04

  Still.

• 1:04:19Caleb Hammer?

  I honestly, with how, with how you've turned out, I'd still rather turn out like me. And struggle with that, because I at least care about things.

• 1:04:28Speaker 04

  No, because I can just go through life without having to worry about.

• 1:04:30Caleb Hammer?

  Yeah, but your life's a failure and it's impacting others.

• 1:04:33Speaker 04

  But I'm still getting by.

• 1:04:34Speaker 03

  No, you're not getting by, you're having everybody else pick up the slack.

• 1:04:38Speaker 05

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

• 1:05:03Speaker 03

  And when they, when I, when I leave you, your mom's gonna pull the rug and no longer help you, because she's only.

• 1:05:07Caleb Hammer?

  Are you sure?

• 1:05:08Speaker 03

  Yeah, she's only helping out of obligation because lives with him.

• 1:05:11Caleb Hammer?

  Okay.

• 1:05:11Speaker 03

  The baby.

• 1:05:12Caleb Hammer?

  The kid. Insane name, by the way, bleeped, well, who the name's their kid that?

• 1:05:16Speaker 03

  It's a town in Wyoming.

• 1:05:19Caleb Hammer?

  That's the worst name of a baby I've ever heard in my life.

• 1:05:22Speaker 04

  Yeah, so it was Queen or Princess or Rainbow.

• 1:05:26Caleb Hammer?

  Stripper names, why are we doing those?

• 1:05:27Speaker 04

  Yeah, yeah, why are there people doing those?

• 1:05:29Speaker 03

  It's not basic, like, at least it's unique.

• 1:05:31Caleb Hammer?

  At least that's biblical, it's like one that exists. That was, that's not even a name, that's.

• 1:05:37Speaker 03

  I beg to differ.

• 1:05:38Caleb Hammer?

  He's gonna be the first one in a school shooting.

• 1:05:40Speaker 03

  She, but. I beg to differ.

• 1:05:43Caleb Hammer?

  What, that's a woman's name?

• 1:05:44Speaker 03

  Yes.

• 1:05:45Caleb Hammer?

  Say it again, we're bleeping it?

• 1:05:48Caleb Hammer?

  Oh, it's like diarrhea on the mouth.

• 1:05:53Caleb Hammer?

  What the is that? Oh, that's fine, you don't have to drive it, no one's forcing you to get that, I'm not saying I would ever drive it. I'm not annoying to everyone in existence when I'm driving, because it's not going, oh, like, like, what the? It's only pleasurable to you, everyone else is annoyed. Like, people are having conversations, then you come by and you just disrupt everything.

• 1:06:13Speaker 03

  I can't tell you how many times, like, can you please stop revving, like, quiet down, because you're pissing off the neighbors?

• 1:06:19Caleb Hammer?

  Yeah, you're obnoxious, you're actually only serving you. At least in my Tesla, when I do self-driving, it's actually more safe for everyone else around me.

• 1:06:27Speaker 04

  I don't know, it's still.

• 1:06:30Caleb Hammer?

  Why do you care?

• 1:06:31Speaker 04

  I still wouldn't.

• 1:06:32Caleb Hammer?

  Hmm, the reason I care about your car is because you're annoying everyone. If you just had your car because you liked it and you didn't annoy everyone, I wouldn't give a. Why do you care about what car I drive when I'm not annoying other people?

• 1:06:41Speaker 03

  He hates electric vehicles.

• 1:06:42Speaker 04

  I hate electric vehicles.

• 1:06:43Caleb Hammer?

  Why? It's like hating a refrigerator when you have a icebox.

• 1:06:47Speaker 04

  I mean, I'd rather have an icebox in a refrigerator.

• 1:06:50Caleb Hammer?

  What?

• 1:06:52Caleb Hammer?

  Okay, get rid of your refrigerator, you get home and get an icebox.

• 1:06:54Speaker 03

  He, I need to be a man, it needs to be gas.

• 1:06:57Speaker 04

  Our refrigerator doesn't work anyways.

• 1:06:58Speaker 03

  How his brain works.

• 1:06:59Caleb Hammer?

  Okay, that was like the older technology, just like everything else, we make newer technology.

• 1:07:05Speaker 04

  Now, we go.

• 1:07:06Caleb Hammer?

  We'll go from electric car someday to something new, maybe just endless nuclear cars.

• 1:07:13Speaker 04

  And a self-driving vehicles that are like Ubers around here were freaking me the.

• 1:07:19Caleb Hammer?

  Well, that's because you live in like the Stone Age. For everyone else, they're great. Because you don't have to have a passenger that's.

• 1:07:27Speaker 04

  At first, I thought it was like a map car where it was just like updating maps.

• 1:07:30Speaker 03

  That is like a Google car.

• 1:07:32Speaker 04

  Yeah.

• 1:07:32Caleb Hammer?

  Yeah, but instead of getting a car where a dude's talking to his family overseas and smells like literal death, you just have a car that drives you safely. Okay, yes, I'm sorry, yeah, twenty-first century, it's very scary to you. I don't really care. The rest of us are gonna progress as a society and.

• 1:07:47Speaker 04

  Which is fine.

• 1:07:47Caleb Hammer?

  You can be obnoxious and eventually get drive-by'd.

• 1:07:53Speaker 03

  His car looks ghetto to me, in my opinion.

• 1:07:57Caleb Hammer?

  Show me, let's just see it.

• 1:07:59Speaker 04

  I mean.

• 1:07:59Caleb Hammer?

  So this is the one thing you care about in life?

• 1:08:01Speaker 03

  Yeah.

• 1:08:02Speaker 04

  I mean, all vehicles.

• 1:08:03Caleb Hammer?

  Probably prefers over his kid, right?

• 1:08:05Speaker 03

  I was just gonna say that, like, he, he puts that a higher priority than our child.

• 1:08:09Caleb Hammer?

  I mean, that's insane and actually disgusting.

• 1:08:11Speaker 03

  Yeah.

• 1:08:12Caleb Hammer?

  Now, whose best friend do we owe six hundred to?

• 1:08:14Speaker 03

  Mine.

• 1:08:15Caleb Hammer?

  Why?

• 1:08:16Speaker 03

  Baby necessities.

• 1:08:17Caleb Hammer?

  You suck as a mother.

• 1:08:18Speaker 03

  Yeah, I could tell, that was.

• 1:08:20Caleb Hammer?

  Yeah, do better, what the fuck is wrong with you? Move in with your family, get your shit together, get your education, and then go and live a life. With a man that actually cares about you, doesn't have, what is that, trench foot? Like, I don't even know.

• 1:08:32Speaker 03

  That's.

• 1:08:33Speaker 04

  Military doesn't even know.

• 1:08:34Speaker 03

  Describe it, it's disgusting.

• 1:08:35Caleb Hammer?

  Well, you won't go to the VA, you freak.

• 1:08:37Speaker 04

  Well, I've had two surgeries on my feet, two separate times.

• 1:08:40Caleb Hammer?

  Go to the VA, because maybe you actually deserve, even though it was actually your fault, not the military's fault for what you did, but you might actually deserve disability more than most people that have been on this show that get disability, that don't actually have an issue. Like, you actually have an issue. Again, your fault, but, because no one else has it that you served with, because they took care of themselves, right?

• 1:09:00Speaker 03

  They, they took care of it, they, they did the surgeries, and then he continued to not take care of himself, so he got trench foot again.

• 1:09:07Caleb Hammer?

  I don't know about ghetto, other than the purple rims, which is actually really, here, this is.

• 1:09:18Speaker 03

  He knows.

• 1:09:18Speaker 04

  You can say whatever you want, I've heard everything underneath the sun about it, but everybody else thinks it's cool, but.

• 1:09:23Caleb Hammer?

  Who's everybody else?

• 1:09:24Speaker 03

  Nobody else.

• 1:09:26Caleb Hammer?

  Let's make sure we get this picture for on screen, but to me, other than the purple rims, I would literally think it's just a normal sedan.

• 1:09:32Speaker 03

  It used to say Merka down the driver's side with like, in flag.

• 1:09:39Caleb Hammer?

  Gay! See, at least that would have been patriotic.

• 1:09:42Speaker 04

  Yeah.

• 1:09:42Caleb Hammer?

  Now it's just gay.

• 1:09:43Speaker 04

  Yeah, because Pennsylvania's gay. That's illegal to have something on your windshield on the driver's side.

• 1:09:49Caleb Hammer?

  A windshield?

• 1:09:49Speaker 04

  Yeah, it was on.

• 1:09:50Caleb Hammer?

  Put it on a different one.

• 1:09:51Speaker 03

  He doesn't like it.

• 1:09:52Caleb Hammer?

  Different window. It has to be on that one?

• 1:09:54Speaker 04

  Yeah.

• 1:09:56Speaker 03

  Because everybody else does the other way, and he doesn't want to be like everybody else. That's exactly why.

• 1:10:01Caleb Hammer?

  Oh, so she actually thinks, in the pre-interview process, she was actually thinking the only reason

• 1:10:08Caleb Hammer?

  that you haven't gone to get a disability rating is because she thinks you're actually dishonorably discharged, but you're just hiding it. And you're just, that's why you can't get it.

• 1:10:17Speaker 04

  I don't know, I can get it, I just haven't.

• 1:10:19Speaker 03

  This, I've heard.

• 1:10:20Caleb Hammer?

  Free money, there's really no reason not to, I don't understand, there's really no reason for you not to. You go to your second job, why not take that time and go get like?

• 1:10:27Speaker 03

  The free money.

• 1:10:28Caleb Hammer?

  No sense.

• 1:10:29Speaker 03

  I've been saying that for years, and I, I'm at the point where I know there's something off about it, because he set up the appointment and then actively chose to not go to the appointment.

• 1:10:40Caleb Hammer?

  It is sauce.

• 1:10:42Speaker 04

  I mean, understandably, but like, it's also an hour away from.

• 1:10:48Caleb Hammer?

  An hour away for a couple thousand bucks for the rest of your life.

• 1:10:50Speaker 03

  It makes, it makes absolutely, and that's, his excuse is, oh, I work, okay, well, you would make more money if you just went to the VA and got your benefits, um, and missed one day worth of work, or a couple hours, leave on lunch.

• 1:11:03Caleb Hammer?

  And I kind of agree, and again, you are actually someone that has something, which no one has ever been able to prove on the show that they have something. You were the first one ever able to.

• 1:11:15Speaker 04

  Yeah, I just, I mean.

• 1:11:16Speaker 03

  He doesn't care, he doesn't care about anything.

• 1:11:18Speaker 04

  Wanted to go, but it's just.

• 1:11:19Caleb Hammer?

  Then why don't leave? Why hope? This is, you're hoping for nothing. Daughter's college fund, one thousand three hundred, who do you owe this to?

• 1:11:26Speaker 03

  Our daughter. So that was in a, in an account that got drained.

• 1:11:30Caleb Hammer?

  Yeah, you took from your own daughter's college fund for what?

• 1:11:33Speaker 03

  To catch up on bills that weren't getting paid.

• 1:11:35Caleb Hammer?

  While you're getting like a seven hundred dollar gun and pumping thousands into your car?

• 1:11:40Caleb Hammer?

  You, in reality, with how the money has moved, you took from your daughter's own future for your car, which literally means in a mathematical example, you do prioritize your car over your kid. Because every time you spend a dollar on that car for a purple rim or whatever, could be going to paying back your daughter's college fund.

• 1:11:59Speaker 04

  Yeah.

• 1:12:01Speaker 04

  I didn't realize it was that much, but.

• 1:12:02Caleb Hammer?

  Well, you admit now you care about your car more than your daughter.

• 1:12:07Speaker 03

  You don't realize anything's that much.

• 1:12:08Caleb Hammer?

  Because that is an actual example right here, that is a reality.

• 1:12:15Caleb Hammer?

  Will you admit that?

• 1:12:17Speaker 04

  Yeah, I mean.

• 1:12:20Speaker 03

  Well, say it, like, you care more about your car than your kid.

• 1:12:24Speaker 04

  I do like my car.

• 1:12:26Caleb Hammer?

  That's disgusting. That's pathetic, you're a pathetic excuse of a man.

• 1:12:31Speaker 04

  But on the.

• 1:12:31Caleb Hammer?

  Not because you suck dicks, but because you don't take care of your daughter that you. Deuced.

• 1:12:40Caleb Hammer?

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

• 1:13:25Caleb Hammer?

  Go to Calebhammer.com or the Caleb Hammer Financial Resources part of the pinned comment or description below and save a shit ton of money. I already launched Liquid Assets, my official gamer sub's flavor, raspberry apple, and it's been selling like crazy. Here's the update, the free gift stacking promo from Christmas in July has officially sold out, but the flavor hasn't. Zero sugar, under one calorie, 100 servings a tub, same nootropic blend, same full vitamin stack, still just four scoops a day, max. Code Caleb still gets you 10% off your entire order. And there's still a shot, one out of every 10, that your tub comes with my face on it. All you need to do is head to gamersubs.gg/caleb or click the link in the description below.

• 1:14:09Speaker 04

  Yeah.

• 1:14:10Speaker 03

  Cause he looks at, he looks at her and me as they'll figure it out. My mom will either take care of it or, or Remy will figure it out or something, something will happen. I can just focus on me.

• 1:14:21Caleb Hammer?

  No, I do have good news. I'm not really gonna have to replenish it with that gun sitting out.

• 1:14:29Speaker 03

  That's, it's not funny. Like you're not, that's not funny. It's tragic and dumb.

• 1:14:36Speaker 04

  He's kinda funny.

• 1:14:39Speaker 03

  But I, yeah, I agree with that.

• 1:14:41Caleb Hammer?

  The fact that we're staying with someone who prefers their car over their kid is, uh, that's pathetic. You're equally pathetic.

• 1:14:48Speaker 03

  Yeah.

• 1:14:49Caleb Hammer?

  For enabling this by not leaving.

• 1:14:51Speaker 03

  That's why I applied for government housing, cause at this point.

• 1:14:54Caleb Hammer?

  So you've been approved?

• 1:14:55Speaker 03

  Yeah, I've been approved. There's a waitlist though. Cause I can't.

• 1:14:57Caleb Hammer?

  How long's the waitlist?

• 1:14:58Speaker 03

  Uh, one to two years.

• 1:15:00Caleb Hammer?

  Yep. Yes, it is. Why not move back in with family? Your family's there.

• 1:15:03Speaker 03

  Um, my mom, my mom, so.

• 1:15:07Caleb Hammer?

  Dude, you gotta do it at some point, though.

• 1:15:09Speaker 03

  I know. I've, I've genuinely considered moving back in with my mom. Like we've talked about it. She has the room for me.

• 1:15:15Caleb Hammer?

  What? It's there, then do it. Why not?

• 1:15:18Speaker 03

  Cause I want to make this work. Like I want.

• 1:15:20Caleb Hammer?

  But who cares? That is making it a work. You're backing off, you're getting through school, you're, you, you, you make, you get a good job, make a good income and you live a great life without a pathetic worm being there.

• 1:15:36Speaker 03

  I, I should. I know I genuinely should. I just struggle with coming to terms of like moving on from things.

• 1:15:41Caleb Hammer?

  I see saying you wouldn't move in with your mom, though.

• 1:15:44Speaker 03

  I don't want to live with my mother.

• 1:15:46Caleb Hammer?

  Why? What's wrong with y'all's relationship?

• 1:15:48Speaker 03

  There's nothing wrong with my, my mom's.

• 1:15:49Caleb Hammer?

  You just said there is.

• 1:15:50Speaker 03

  No, I don't like my dad. I don't, I don't have an issue with my mom.

• 1:15:53Speaker 04

  But like with.

• 1:15:55Caleb Hammer?

  Well, but is he there?

• 1:15:57Speaker 03

  My dad?

• 1:15:57Caleb Hammer?

  Yeah.

• 1:15:58Speaker 03

  Uh, well, he threatened to slash my tires and shoot me, so I won't let him be there.

• 1:16:02Caleb Hammer?

  Me? But does he live with your mom?

• 1:16:04Speaker 03

  Oh, no, no, no. They just recently got.

• 1:16:06Caleb Hammer?

  Why are you threatening that? What'd you do as a daughter?

• 1:16:09Speaker 03

  He, no, he's just actually crazy. No, I, I know. He's like actually crazy. Um, he, he got a spinal surgery and they put him on all kinds of psych meds and he went, he stopped smoking weed and doing drugs and he went through like withdrawal.

• 1:16:23Caleb Hammer?

  Good dad.

• 1:16:24Speaker 03

  And I stopped talking to him because of it.

• 1:16:26Caleb Hammer?

  So he's an addict?

• 1:16:27Speaker 03

  Yeah.

• 1:16:28Caleb Hammer?

  Cause of a surgery, so it was hardly even his fault.

• 1:16:31Speaker 03

  No, but he's always been an asshole and now he's using it as like an excuse. Yeah, yeah.

• 1:16:37Caleb Hammer?

  Okay. Well, I would definitely move in now to your grandpa. We owe 3,000. Guys, this is the most amount of individual family debt I think I may have ever seen. It says his grandpa. Is it your grandpa?

• 1:16:48Speaker 03

  No, that was.

• 1:16:49Caleb Hammer?

  Who's grandpa? 3,000 to someone's grandfather.

• 1:16:53Speaker 03

  It wasn't to the grandfather. It was to.

• 1:16:55Speaker 04

  My grandparents are dead.

• 1:16:57Speaker 03

  Um, that is your debt.

• 1:16:58Caleb Hammer?

  I would forgive the debt.

• 1:17:00Speaker 03

  That is your debt. I've.

• 1:17:02Caleb Hammer?

  What's it 3,000 for?

• 1:17:05Speaker 03

  Oh, that was to your dad. That was for your schooling.

• 1:17:07Caleb Hammer?

  Yeah, my dad. Your schooling? What schooling did you ever accomplish?

• 1:17:11Speaker 04

  Nothing, cause I barely went to college.

• 1:17:13Caleb Hammer?

  Was this for college?

• 1:17:14Speaker 03

  I, I wasn't with him at this point, but that's what I.

• 1:17:17Speaker 04

  Yeah, I tried going to college and I got out and was like, I can, I can learn more.

• 1:17:22Caleb Hammer?

  No, I mean, this is to help you guys move.

• 1:17:25Speaker 04

  Oh, no, that is.

• 1:17:25Speaker 03

  We already paid that off. We already paid.

• 1:17:27Caleb Hammer?

  To who?

• 1:17:29Speaker 03

  My grandpa, I didn't put.

• 1:17:30Caleb Hammer?

  To your grandpa?

• 1:17:31Speaker 03

  Yeah.

• 1:17:31Caleb Hammer?

  And it's done?

• 1:17:32Speaker 03

  Yeah.

• 1:17:33Caleb Hammer?

  Why'd you, when did you borrow this?

• 1:17:34Speaker 03

  When we, when I moved.

• 1:17:36Caleb Hammer?

  When was that?

• 1:17:36Speaker 03

  January of 2024.

• 1:17:38Caleb Hammer?

  So two years ago?

• 1:17:39Speaker 03

  Yeah.

• 1:17:40Caleb Hammer?

  You borrowed it. So you guys have been borrowing for family since you guys have been together?

• 1:17:42Speaker 03

  Yeah.

• 1:17:45Caleb Hammer?

  You, you will never get out of this cycle, then. You won't. You guys enable each other's bad behavior. None of you face any consequences and family's always there to bail you out. You with a living place, you with money.

• 1:18:01Caleb Hammer?

  And you guys would probably have like split custody anyway, so his mom would probably still take care of him.

• 1:18:06Speaker 03

  Um, I don't think he would actually get 50%. I don't think he even wants 50%. Cause he can't.

• 1:18:12Caleb Hammer?

  He probably doesn't.

• 1:18:12Speaker 03

  He, well, I can't even.

• 1:18:14Caleb Hammer?

  If you guys split, well, how much, how, what custody do you?

• 1:18:16Speaker 04

  50, 50.

• 1:18:17Caleb Hammer?

  Really?

• 1:18:18Speaker 04

  Yeah.

• 1:18:18Speaker 03

  I can't even leave him with her. Like I left, when we were, when we were split up for that like period of time and I went on a date with back burner guy, I came home and she was covered in vomit, screaming, crying. I had to rush her to the hospital.

• 1:18:31Caleb Hammer?

  What?

• 1:18:32Speaker 03

  Like he, I don't trust him to keep her. There's no way he's.

• 1:18:35Caleb Hammer?

  Are you kidding me?

• 1:18:35Speaker 03

  I'm dead serious.

• 1:18:36Caleb Hammer?

  What happened asshole?

• 1:18:38Speaker 04

  I was asleep. It was at night.

• 1:18:40Speaker 03

  She was down, he was downstairs and she was upstairs screaming. Yes.

• 1:18:44Speaker 04

  No, I was asleep.

• 1:18:45Speaker 03

  That's like, no, you weren't. You were sitting on the couch wide awake when I walked in.

• 1:18:52Speaker 03

  And she was upstairs screaming and I looked and I said, how long has she been up there? Like, how long has she been doing this? And he goes, I don't know. It just started. No, the it didn't because she was covered in vomit. Her entire crib was covered in vomit. The floor was covered in vomit. And, and you actively said, oh, it just happened. I have no clue.

• 1:19:08Caleb Hammer?

  And this is the one time you left him home with her?

• 1:19:10Speaker 03

  Yeah.

• 1:19:11Caleb Hammer?

  What the fuck buddy? In what world would you get 50, 50 custody? You can't take care of this kid to save their life.

• 1:19:21Speaker 04

  I'm like, I mean, I've changed over the time.

• 1:19:25Caleb Hammer?

  What? In what way?

• 1:19:26Speaker 04

  Every way.

• 1:19:27Caleb Hammer?

  What?

• 1:19:28Speaker 04

  Yeah.

• 1:19:28Speaker 03

  You don't, you don't, you don't, because also.

• 1:19:30Speaker 04

  Yeah.

• 1:19:31Speaker 03

  No, your dog, you left him in the kennel with puke for three days.

• 1:19:35Caleb Hammer?

  Oh my, what is wrong with you?

• 1:19:37Speaker 04

  Not even three days.

• 1:19:38Speaker 03

  But the, the kennel was covered in vomit for three days.

• 1:19:41Caleb Hammer?

  What's wrong with you?

• 1:19:42Speaker 03

  And he chose not to clean it.

• 1:19:43Caleb Hammer?

  It's evil.

• 1:19:44Speaker 04

  He wasn't even, he wasn't even stuck in the kennel for three days.

• 1:19:47Speaker 03

  No, he was, I just said that. He wasn't in the kennel for three days, but you left the, you left the vomit in there so long that it dried to the pan.

• 1:20:00Caleb Hammer?

  So has he changed?

• 1:20:01Speaker 03

  No.

• 1:20:03Caleb Hammer?

  How are you saying you changed? Give an example.

• 1:20:06Speaker 04

  I mean, I don't, like when something happens and, well, when something happens, it gets cleaned.

• 1:20:11Caleb Hammer?

  Three days later.

• 1:20:13Speaker 03

  When I nag you.

• 1:20:14Speaker 04

  Her dog shit in there. That day I cleaned it up.

• 1:20:18Caleb Hammer?

  I would hope so. You have to. Cause this is a big, basic minimum requirement for owning a, a dog.

• 1:20:24Speaker 04

  Yeah.

• 1:20:25Speaker 03

  And because I.

• 1:20:25Speaker 04

  Her dog puked on the floor. I cleaned it up.

• 1:20:28Caleb Hammer?

  That's the basic thing. This is not crazy, guys.

• 1:20:30Speaker 04

  Like, yes.

• 1:20:31Caleb Hammer?

  How are we bragging about?

• 1:20:31Speaker 04

  That's.

• 1:20:33Speaker 03

  That, that's the thing. Like you, you, the grass needs cut right now. The, the, all the dishes need done. Like the, the responsibilities that you assumed as yours and that's, I'm more willing now to pick things up.

• 1:20:44Caleb Hammer?

  Does he take the dog for walks?

• 1:20:44Speaker 03

  Oh, no. No, he, he got this job.

• 1:20:48Caleb Hammer?

  You gotta take him for walks.

• 1:20:49Speaker 03

  Um, it's a, it's a German shepherd.

• 1:20:51Caleb Hammer?

  Mental stimulation for sniffing.

• 1:20:52Speaker 03

  Full, uh, working dog, has a whole lot of energy. Under the, the assumption that he was gonna take him for a run every day.

• 1:20:59Caleb Hammer?

  Have you ever taken the dog for a walk once?

• 1:21:00Speaker 03

  Not once. He, no, a walk probably twice.

• 1:21:03Speaker 04

  No, when I first got him, I would take him for walks.

• 1:21:05Speaker 03

  No, you took him for like two walks total. Um, he's now over two years old. So.

• 1:21:12Speaker 04

  At 105.

• 1:21:14Speaker 03

  Under the assumption, oh, I was.

• 1:21:15Caleb Hammer?

  Oh my goodness, he forgot to feed the dog for two days once?

• 1:21:18Speaker 03

  He forgets to feed the dog constantly, constantly. I have to.

• 1:21:22Caleb Hammer?

  You can't have this kid.

• 1:21:23Speaker 03

  Consistently.

• 1:21:24Caleb Hammer?

  The dogs are easy.

• 1:21:25Speaker 03

  Mm-hmm.

• 1:21:26Caleb Hammer?

  Dogs are easy, dude.

• 1:21:28Speaker 03

  I even, I even install, made sure we installed a fence in the backyard to make sure that he could just let the dog out.

• 1:21:34Caleb Hammer?

  You own the house?

• 1:21:35Speaker 03

  No, no.

• 1:21:36Speaker 04

  No, we rent.

• 1:21:37Speaker 03

  I got, uh, free fencing, so I just like put it in, in the back myself.

• 1:21:41Caleb Hammer?

  So landlord now?

• 1:21:42Speaker 03

  No, but there's, it's a slumlord. Like we're, our fridge doesn't even work.

• 1:21:46Caleb Hammer?

  Well, he prefers iceboxes, so.

• 1:21:48Speaker 04

  Well, that's why we have an icebox out front.

• 1:21:50Caleb Hammer?

  His father, this is the school.

• 1:21:52Speaker 03

  That's his schooling. Yes.

• 1:21:54Speaker 04

  But I don't, but I don't have to pay that back.

• 1:21:56Caleb Hammer?

  You don't have to? Why?

• 1:21:57Speaker 04

  Cause he said that I didn't have to.

• 1:22:01Caleb Hammer?

  Okay. Um, okay. I've never seen this in the history of this show. I have a picture of a ripped up bill that is labeled him.

• 1:22:13Speaker 03

  Do you know the story behind that?

• 1:22:15Speaker 04

  That's net credit for tools.

• 1:22:17Speaker 03

  Sure. So this is his tool account that I had no clue he had. Um, he comes walking, he doesn't, he checks the mail. He doesn't open the mail. He'll just sit it on the table. It'll pile up for months. So when he walks in and I hear him opening a piece of mail and then ripping the piece of mail up, I'm like, what is going on? What is this? Um, and he was like, oh, it's just junk mail. And I didn't think of anything at first. And then two seconds went by and I was like, he doesn't even open the mail. Like, what do you mean junk mail? So I went to the garbage, pulled out one piece of paper and it was this one that says payment, payment, payment with a bunch of dates. And I was like, this isn't junk mail. What is this? So I pulled every piece out, puzzled it together and said, oh, wow, this is $12,000 worth of debt I didn't know about.

• 1:23:01Caleb Hammer?

  What were you hoping happened here, buddy?

• 1:23:06Speaker 03

  To have it paid off before I found it.

• 1:23:08Caleb Hammer?

  What's the minimum payment?

• 1:23:11Speaker 04

  Minimum payment is, um.

• 1:23:14Caleb Hammer?

  269?

• 1:23:15Speaker 04

  65.

• 1:23:15Caleb Hammer?

  Huh?

• 1:23:15Speaker 04

  It's $65 a week, but I pay 70.

• 1:23:19Caleb Hammer?

  Oh, what a guy.

• 1:23:24Caleb Hammer?

  Okay, averages of two, yeah, 289 a month.

• 1:23:28Speaker 04

  Yeah.

• 1:23:29Caleb Hammer?

  That's insane. That's crazy. 12,000 hours. Yeah, what were you hoping for?

• 1:23:38Speaker 04

  I mean, to the point where like I would tell her about it. I just needed, like, I just didn't.

• 1:23:43Caleb Hammer?

  You think he would ever tell you about this if he didn't find it?

• 1:23:45Speaker 03

  No, no. I didn't, I didn't find out about it that way. Actually, I found out by his mom telling me because she's still on his bank account. Um, telling me that, oh yeah, you guys could probably afford your bills if he didn't spend this much money on tools.

• 1:24:02Caleb Hammer?

  Why? What is with you guys and Snap Tools? Why the go into this $12,103.50 debt with a minimum payment of nearly $300 a month?

• 1:24:14Speaker 04

  Cause it's convenience then.

• 1:24:16Caleb Hammer?

  Yes, but get some used tools, get some, dude, don't get everything.

• 1:24:20Speaker 03

  We were, we were in the.

• 1:24:22Caleb Hammer?

  This is insane.

• 1:24:23Speaker 04

  Lifetime warranty, something breaks, the truck comes to you.

• 1:24:26Caleb Hammer?

  You can't afford this. It's such as is it?

• 1:24:28Speaker 03

  We were in the process of buying a house when his mom came to me and said, hey, this is why you can't afford to live.

• 1:24:34Caleb Hammer?

  Oh my fuck you. You guys almost bought a house together. I'm glad you didn't.

• 1:24:38Speaker 03

  I wasn't signing, like I wasn't cosigning. He was entirely doing it himself.

• 1:24:44Caleb Hammer?

  What are you doing?

• 1:24:49Caleb Hammer?

  Okay. Um, what the fuck are we?

• 1:24:53Speaker 03

  But yeah.

• 1:24:54Caleb Hammer?

  When did you guys almost get a house?

• 1:24:56Speaker 04

  Two months ago.

• 1:24:56Speaker 03

  April.

• 1:24:59Caleb Hammer?

  You don't love each other.

• 1:25:02Speaker 03

  I, so I originally wanted him to get a house.

• 1:25:07Speaker 03

  So he could afford to live without me. Like I.

• 1:25:10Caleb Hammer?

  What? How could that make him afford to live without you buying a house?

• 1:25:14Speaker 03

  So calculating it out, the house we were looking at and the place we, no, it's a house. The house we were looking at was just under, including, um, taxes and insurance. It was just under what we were renting. So I was like, you know what? Like, let's get you to the point where you can afford to live. Cause if I decide to leave you, I don't want you living in your car. You still need a place to like, watch our daughter and be a father.

• 1:25:39Caleb Hammer?

  Really? You think you'd ever do that?

• 1:25:41Speaker 03

  Apparently not.

• 1:25:43Caleb Hammer?

  No.

• 1:25:43Speaker 03

  But.

• 1:25:44Caleb Hammer?

  Out of that house, I mean starter house, definitely very old, but.

• 1:25:47Speaker 03

  Yes.

• 1:25:47Caleb Hammer?

  Okay.

• 1:25:48Speaker 03

  Um, so we were, we were looking at houses and his mom came up to help look, cause she was gonna help us with all of the, the closing costs.

• 1:25:55Speaker 04

  Oh, someone just bought it a couple of days ago.

• 1:25:57Speaker 03

  VA loan was going to cover, um, the down payment. So we didn't have a down payment. His mom was gonna help us cover the closing costs. So I had her come out to just help look like I, I appreciate your opinion. And when she came out, that's when she was just like, by the way, like you guys can't afford to pay your bills right now because of his tool. Um, and then like two weeks later is when I got that statement in the mail. Cause I didn't even know what he was spending on tools until then.

• 1:26:25Caleb Hammer?

  Oh, you told the producers that you could use your, uh, uh, coworkers tools?

• 1:26:30Speaker 04

  I can, but if he leaves, then what?

• 1:26:33Caleb Hammer?

  Then get your tools.

• 1:26:35Speaker 04

  Why am I gonna use somebody else's tools when I can just go get my own tools?

• 1:26:38Caleb Hammer?

  And you wanted to get a house.

• 1:26:40Speaker 04

  Granted, yes, but I could.

• 1:26:41Caleb Hammer?

  Granted, yeah.

• 1:26:42Speaker 04

  But like, I still, I still need my own tools.

• 1:26:46Caleb Hammer?

  Used.

• 1:26:49Speaker 04

  If it breaks, then what? You'll get.

• 1:26:52Caleb Hammer?

  Become homeless, then what?

• 1:26:53Speaker 04

  That.

• 1:26:53Speaker 03

  Or you could go to like Craftsman and get a whole set for 3,000 versus 12.

• 1:26:59Caleb Hammer?

  Your tools, nearly 15% of the purchase price of the house.

• 1:27:06Speaker 05

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

• 1:27:32Caleb Hammer?

  Just sold for 90, oh 12, one.

• 1:27:41Caleb Hammer?

  Okay, what is this account? You're getting a lot of shit that is declining, payments left, looks like a firm or something.

• 1:27:49Speaker 04

  There's a firm.

• 1:27:50Caleb Hammer?

  What are you doing? Cause you're doing like, what is this speed pay? You're doing speed pay, gas bill, speed pay. What are you doing?

• 1:27:59Speaker 04

  So when I didn't have any money, I just used a firm. So it gave me that extra month.

• 1:28:03Caleb Hammer?

  What's speed pay?

• 1:28:04Speaker 04

  Speed pay, what was it, 90?

• 1:28:07Caleb Hammer?

  Payday loan?

• 1:28:08Speaker 04

  No, um, that was.

• 1:28:12Caleb Hammer?

  What's?

• 1:28:13Speaker 03

  That's where we work.

• 1:28:14Speaker 04

  Yeah, that's the restaurant that we work at.

• 1:28:17Caleb Hammer?

  So that's. You're affirming food at the own, at the restaurant you work at?

• 1:28:21Speaker 04

  Hmm.

• 1:28:23Speaker 03

  So I actually, I asked him to pay for that and I didn't realize he didn't have money. So instead of telling me, hey, I don't have money for this, he affirmed it.

• 1:28:32Speaker 04

  Hey dude.

• 1:28:33Caleb Hammer?

  This is like, oh, 18 payments left on this. I don't even know. What are your minimums? Minimum stacking up to on a firm?

• 1:28:38Speaker 04

  Um.

• 1:28:39Caleb Hammer?

  I don't even know what the full balance is on here, dude.

• 1:28:44Caleb Hammer?

  Do you?

• 1:28:47Speaker 04

  I know the one that's.

• 1:28:49Caleb Hammer?

  Okay. I can, I can do the math. 67.

• 1:28:58Speaker 04

  I know three of them that I could.

• 1:29:00Caleb Hammer?

  A thousand, 111 dollars and 61 cents at least. I mean, it's a mess. It's a fucking mess, dude. And then what was it? It was like 18 payments of three payments. This is divided by 18 and just go with $62 a month.

• 1:29:19Caleb Hammer?

  What a joke, dude. What a fucking mess this is. Affirm, who's affirm?

• 1:29:22Speaker 03

  That's.

• 1:29:24Caleb Hammer?

  Stop saying his real name. That one would have been paid off by the time we filmed this. Same, same with this one, but what you're getting insane things. You're just using the virtual card for everything at 35% interest. 35% interest asshole.

• 1:29:41Speaker 03

  That was for our Xfinity bill too. He paid our wifi.

• 1:29:45Caleb Hammer?

  We just looked at.

• 1:29:45Speaker 04

  Mm-hmm.

• 1:29:46Caleb Hammer?

  Oh my gosh, why?

• 1:29:51Caleb Hammer?

  You guys should just give up. At this point, like what is there? Yeah. The fact that you're still with each other blows my mind. Like this felt like an audit. Like I was like, why even go through the finances? I am obviously, cause you came on, but it's like, guys, you shouldn't even be together. And we, we established that in the first half.

• 1:30:12Caleb Hammer?

  Right?

• 1:30:15Speaker 03

  Unfortunately.

• 1:30:16Caleb Hammer?

  Who has credit one? Him. So far it's all you, dude. Credit one's insane. By the way, it's like the worst credit card that exists.

• 1:30:24Speaker 04

  I just need something to bump up my credit score.

• 1:30:27Caleb Hammer?

  Which is why you're above the limit? It's harming your score. The limit's 500, you go 573, 97.

• 1:30:34Speaker 03

  It's probably more now.

• 1:30:36Speaker 04

  Yeah.

• 1:30:36Caleb Hammer?

  And that is to help your credit score?

• 1:30:38Speaker 04

  At first it was supposed to help, but then.

• 1:30:40Caleb Hammer?

  When? At first, when?

• 1:30:42Speaker 04

  When I first got it, it was supposed to help. Cause I was just getting gas at that point, paying and paying it.

• 1:30:47Caleb Hammer?

  I'll get you guys course career certifications.

• 1:30:49Speaker 04

  And then.

• 1:30:49Caleb Hammer?

  I'll get you that in the trades and I'll get you in whatever the, what are you going to school for again?

• 1:30:54Speaker 03

  Engineering.

• 1:30:54Caleb Hammer?

  Okay, yeah, we have some, we have some great tax certifications and shit like that. Project management. Go ahead and get those, use those. People in the audience have converted them into six figure of paying jobs.

• 1:31:05Caleb Hammer?

  Dude, we have a debt forgiveness program on Calebhammer.com, personal loans and car insurance as well, but, but you need car insurance. So use our car insurance tool.

• 1:31:14Speaker 04

  But I'm still paying like astronomical amount.

• 1:31:17Caleb Hammer?

  Yeah, you'll probably get cheaper on our website. The thing is, I don't want you guys to do any of those except for the car insurance until you have changed your behavior. And I don't even know if you guys should be together. So I don't even know what changing behavior looks like. Okay?

• 1:31:29Speaker 03

  That one's mine.

• 1:31:30Caleb Hammer?

  You have a capital one.

• 1:31:31Speaker 03

  That is mine.

• 1:31:31Caleb Hammer?

  You are late. On your payment.

• 1:31:34Speaker 03

  One of them I was, yeah.

• 1:31:36Caleb Hammer?

  Why?

• 1:31:37Speaker 03

  Um, I didn't realize that I didn't have the money in my account when it pulled, so it bounced. I was a broke bitch.

• 1:31:43Caleb Hammer?

  Am?

• 1:31:44Speaker 03

  Am, yeah, I am a broke bitch.

• 1:31:49Caleb Hammer?

  You guys suck, man. Cause you're purchasing on this card that you're getting late fees on that you're not paying on time. You're not at the credit limit, luckily for you, but it's, it's not terribly far away. 528 dollars and 83 cents, $25 minimum payments. You couldn't even do that. And $6 from Walmart, probably bullshit at that point then. Apple bill, Paramount plus, Goodwill's, Wendy's.

• 1:32:09Speaker 03

  Walmart, uh, membership.

• 1:32:11Caleb Hammer?

  Oh, membership. I didn't even know you do memberships through Walmart. Bookstore, potential groceries, potentially bullshit, definitely bullshit.

• 1:32:18Speaker 04

  Store is for her college.

• 1:32:20Caleb Hammer?

  Eating at your own place again.

• 1:32:24Caleb Hammer?

  Guys, come on. Uh, Apple bill and Ross stores and then late fee. It's so stupid, of which you've had three, four this year so far. For late fee. So no, this wasn't a, well, oopsie, I just forgot that one time.

• 1:32:41Caleb Hammer?

  You guys are just insane. Okay, him. Let's see. What is it? I think auto loan Volkswagen Jetta. His special little baby for some reason. That makes no sense. Plus a personal loan. So Jetta is $9,122.05. Personal loan is $2,371.06. Why the you have the personal loan?

• 1:33:05Speaker 04

  It's for my truck.

• 1:33:09Caleb Hammer?

  It is worth less than 2,300? What's your Jetta worth?

• 1:33:13Speaker 04

  Uh, right now standing, it's between 10 and 12.

• 1:33:18Speaker 03

  Like 10.

• 1:33:19Caleb Hammer?

  If you actually care about your kids, solid.

• 1:33:20Speaker 04

  I mean, I already have it posted on Facebook.

• 1:33:23Caleb Hammer?

  Good.

• 1:33:24Speaker 03

  Only because I made him.

• 1:33:25Caleb Hammer?

  Well. Like that was. Well, the jetta had a decent interest rate. It's a bummer that.

• 1:33:30Speaker 03

  Cause his mom co-signed for it. That's the only reason.

• 1:33:33Caleb Hammer?

  What's the personal loan interest rate? You got fees and shit like crazy.

• 1:33:38Speaker 04

  Those fees are probably gonna be like overdraft.

• 1:33:41Caleb Hammer?

  This isn't even on that yet, though. This is just fees for the loans. And then you have interest. Okay, interest rate for the personal loan for the truck that's not even worth it is 13.2%.

• 1:33:51Speaker 03

  Cause he told them that it wasn't for a vehicle. That's why he got a personal loan.

• 1:33:56Caleb Hammer?

  Oh, okay. His checking account ended with 238. Think.

• 1:34:04Caleb Hammer?

  Draw. Who knows where that went? Okay, let's see. Where'd this go? Energy drinks. You're a big energy drink boy, aren't you?

• 1:34:11Speaker 04

  No, Mountain Dew. I'll the I drink about I drink over a little gallon of like Mountain Dew.

• 1:34:17Speaker 03

  A day.

• 1:34:18Caleb Hammer?

  Okay, no longer. Make gamersubs. It's very delicious at home. It is 40 cents a serving with our discount. Link below. 40 cents a serving. Make your energy drinks, your pops, your everything at home. We have their Caleb Hammer Liquid Assets Financial Auto Flavor. One out of every 100 gets one with my face on it. That's the the special draw.

• 1:34:37Speaker 04

  I was actually gonna ask you if I could have one of those.

• 1:34:39Caleb Hammer?

  Uh, unfortunately, we just don't have them. Huh? One out of every 10. I am correcting myself. That is updated information. Um, okay, one out of every 10 has my face on it. And yeah, check it out, guys. Link in the description below. You can also get free samples down there to figure out flavors you like. And then it's 10 cents, 40 cents a serving. Much cheaper than multi his energy drink.

• 1:35:01Speaker 03

  Every day.

• 1:35:02Caleb Hammer?

  Three, yeah. Mountain Dew, Mountain Dew, Mountain Dew.

• 1:35:06Caleb Hammer?

  Uh.

• 1:35:07Speaker 04

  Sometimes it's three times a day. Go to the gas station.

• 1:35:09Caleb Hammer?

  Apple Cash, yeah, no shit. And overdraft. Mountain Dew, I think. Probably Mountain Dew. This is bullshit, man. Mountain Dew, Mountain Dew, Mountain Dew. Mountain Dew. Mountain Domino's. I don't know. Tools, more tools, different tools, quality tools. This is Snap.

• 1:35:26Speaker 04

  No.

• 1:35:27Caleb Hammer?

  Quality tools.

• 1:35:27Speaker 04

  Quality tools is, um.

• 1:35:29Caleb Hammer?

  You owe him different tools?

• 1:35:30Speaker 04

  Yeah.

• 1:35:30Speaker 03

  Multiple.

• 1:35:31Speaker 04

  Yeah, multiple.

• 1:35:32Caleb Hammer?

  I didn't even have that debt. Where's that at?

• 1:35:34Speaker 04

  There you do. It's the tech credit. The one where she has the ripped up papers. That's from.

• 1:35:39Caleb Hammer?

  That was Snap.

• 1:35:40Speaker 04

  No, that was Cornwall.

• 1:35:41Caleb Hammer?

  How much you owe on Snap?

• 1:35:42Speaker 04

  I owe.

• 1:35:44Caleb Hammer?

  Oh.

• 1:35:45Speaker 03

  He wouldn't get me this paperwork. I've been asking him for three months.

• 1:35:48Speaker 04

  The dude retired, so like he hasn't even shown up. Like there's so the guy from Snap on retired. He's gone.

• 1:35:54Caleb Hammer?

  Yeah, but the company still exists.

• 1:35:55Speaker 04

  This company does still exist, but they need another person to run his route.

• 1:35:59Speaker 03

  His explanation to me was.

• 1:36:00Caleb Hammer?

  Only pay him in person?

• 1:36:01Speaker 04

  Yeah.

• 1:36:02Caleb Hammer?

  No.

• 1:36:03Speaker 04

  Yes.

• 1:36:03Speaker 03

  No, you can't. You can call them.

• 1:36:04Speaker 04

  Mine is on a truck account.

• 1:36:06Speaker 03

  But you can still call them. Like you still owe the company.

• 1:36:09Caleb Hammer?

  $15,000 spent originally on those Snap tools.

• 1:36:13Caleb Hammer?

  And guys, it's all just Mountain Dews and bullshit. Mountain Dools, Dews and okay, Mac Tools, $20. Is that $20 a week?

• 1:36:23Speaker 04

  Uh, two weeks.

• 1:36:25Caleb Hammer?

  Okay, $40 a month, dude.

• 1:36:28Caleb Hammer?

  Probably like 10,000 hours now. No, no, it's probably like 12 at best.

• 1:36:33Caleb Hammer?

  What's your personal loan minimum to payment?

• 1:36:36Speaker 04

  My personal loan is 104.

• 1:36:38Caleb Hammer?

  And, uh, Jetta?

• 1:36:40Speaker 04

  432.

• 1:36:42Caleb Hammer?

  Yeah, you're getting overdrafts like crazy. Okay, you.

• 1:36:44Speaker 03

  That's me.

• 1:36:44Caleb Hammer?

  You started with negative $15, so let's not pretend like you're good.

• 1:36:48Speaker 03

  So that was.

• 1:36:49Caleb Hammer?

  For Zelle, you went negative for Zelle, dumbass.

• 1:36:51Speaker 03

  That was, uh, during the timeframe that I wasn't working.

• 1:36:54Caleb Hammer?

  Join account, $3. Wow. Incredible. A couple that should definitely be together. Um.

• 1:37:02Speaker 03

  That's my medical. So that's from having a child.

• 1:37:10Caleb Hammer?

  Okay, 600. You get on a payment plan?

• 1:37:12Speaker 03

  Uh, not yet, no. I haven't even started anything on that.

• 1:37:15Caleb Hammer?

  Guys, so here's the thing. I don't know what to do. Cause you guys shouldn't be together. Budgets the household, budget individually. I don't know. But here's the advice. This is the reality of the situation. Certainly use the Dallawise Budgeting App. But more than anything, sell the motorcycle, sell the Jetta. Pay back the smallest to largest. I don't know. I don't know what to advise you. Cause if you guys aren't together, yeah, you are dependent on him financially. If you're not together, I don't know. You can't pay bills.

• 1:37:47Speaker 03

  Yeah.

• 1:37:48Caleb Hammer?

  But move in with family. Get a cheap ass apartment, man the fuck up on taking care of your kids and dogs. And pay smallest to largest.

• 1:37:59Caleb Hammer?

  I don't know. That's kind of it, but I don't know how to budget you guys. I really don't. Cause you guys shouldn't be together. You're not together. Your finances are a mess. I don't have all the statements. But that's the basic thing. Or at least with you, with all your debt, prove you can budget for three months and go through bankruptcy or a debt forgiveness program or something.

• 1:38:17Caleb Hammer?

  But that's like, yeah, it's such a mess.

• 1:38:19Speaker 04

  I always do smallest to largest.

• 1:38:20Speaker 03

  He is so.

• 1:38:21Caleb Hammer?

  Always do, buddy.

• 1:38:23Speaker 03

  If you look at the affirm, he took out a 900 and some dollar affirm.

• 1:38:27Caleb Hammer?

  Yes, I saw that.

• 1:38:27Speaker 03

  To partially pay off the Snap on. So he put that $930 towards Snap on. O's an interest rate on that.

• 1:38:35Caleb Hammer?

  Yeah, it's like 36%.

• 1:38:36Speaker 03

  And still owes Snap on.

• 1:38:38Caleb Hammer?

  I didn't know what it was for, but that's.

• 1:38:41Speaker 03

  I didn't know that he took out the affirm until a month after he did that.

• 1:38:44Caleb Hammer?

  Guys, I don't even know. What a mess. I can't. I can't do this. I can't go through this. There's nothing reasonable for me to do here. The advice is sell those things. Maybe consolidate if you can prove your budget, but I just don't even have hope for that. Probably break up. Live with your family, get a cheap ass apartment and be a good dad. I don't know.

• 1:39:06Caleb Hammer?

  Okay, I'm actually interested in calling your backup. I want to see his perspective on this. Well, let's call our backup in the post show. Hammer Financial Score obviously is zero. It's not even close. There's no retirement. There's nothing. It's not real estate. You almost did. I'm glad you didn't. Get yours at Calebhammer.com. Now join us for an extra 20 minutes. We're gonna call our back burner and back burner in the post show. An extra 20 minutes of this episode. Uh, also three premium shows every single day, six days a week, over 100,000 monthly active users for a reason. Cause it is the best membership on YouTube. Join by the join button or click that link below, or you can go off platform with the Hammer Elite app or hammerelite.com. I'll see you guys there. How does it feel to be this woman's backup option and she won't leave this pathetic? Actual waste of space that she's with.

• 1:39:50Speaker 03

  Not the best. I don't like the idea of like leaving him. I don't know why.

• 1:39:55Caleb Hammer?

  What?

• 1:39:56Speaker 03

  I don't know why.

• 1:39:57Caleb Hammer?

  And this dude rocks his asshole constantly.

• 1:39:59Speaker 03

  In the shower, yeah.

• 1:40:00Speaker 04

  I use her toys.

• 1:40:01Caleb Hammer?

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

• 1:40:44Caleb Hammer?

  Go to Calebhammer.com/apply or click that link in the description below.

• 1:40:47Speaker 00

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