The Most Evil Woman In Financial Audit History

*I CAUGHT HER TALKING TO A MAN WHO HAS A WIFE IN THE POST SHOW* this is absolutly insane and I expose the whole things... watch post show here: https://hamr.link/zdj *OR* watch on the brand new Hammer Elite App ➡ https://hamr.link/qii (discounted annual) 💰 Download Dollarwise - Big Deals, New Features, Free Trial: https://go.dollarwise.com/join ============================= *Caleb Hammer Financial Resources* ============================= 👉 *PERSONAL LOANS* Shop for the best personal loan for a new purchase, a consolidation, or something else → https://shorturl.at/c53Eg 👉 *DEBT RELIEF* Finally experience relief from your debt once and for all → https://shorturl.at/VbGPv 👉 *CREDIT BUILDER* Got crappy credit? Break free and finally build it for good → https://shorturl.at/zZf2P 👉 *AUTO LOANS* Get the best rates on an auto loan or refinance → https://shorturl.at/vNxQL 👉 *CAR INSURANCE* Find and compare much better AND cheaper car insurance for free → https://shorturl.at/vGDD5 ============================= 🔥 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 ============================= *Education* ============================= 👉 Get access to EVERYTHING I offer all in one place: https://bit.ly/4sUm2pb ⚡Learn how to budget: https://bit.ly/4sspyGh ⚡Learn how to invest: https://bit.ly/41mr8OP ⚡Pay off your debt: https://calebhammer.com/master-your-debt ============================= *Extra Resources* ============================= 👉 Land a high-paying job with no experience or degree: ➡ https://coursecareers.com/CalebHammer 👉 Get FREE MONEY by investing with Public! https://secure.moneymatchup.com/public-caleb 👉 Find the best credit cards for you with my quiz! https://cards.calebhammer.com/yt 👉 Get $20 from Acorns for free: ➡ https://acorns.com/caleb 👉 Helium Mobile: Use promo code CALEB for a FREE plan ➡ https://hellohelium.com/ 👉 Protect your online privacy and security for free with Aura: ➡ https://aura.com/hammer 👉 Checking & Savings: Get up to $350 and 3.75% APY on savings with Chime®: https://secure.moneymatchup.com/-caleb-chime-YT ============================= *Chapters* ============================= 00:00 Intro 01:52 Jobs & Income 03:30 aww theyre just like rachel and ross 08:10 this guy is so fed up lmaaaoo 15:00 bro has names and receipts YESSS 20:40 inc*st accusations??? 35:49 doing it raw is beyond selfish 41:57 this dudes so petty and i love it 01:04:28 and she owes him money?? 01:10:47 oh shes F*CKED f*cked 01:13:59 pregnancy means no common sense or consent??? 01:20:21 now lets see what debt HE has 01:27:24 His Budget 01:29:54 Her Budget ============================= Want more content? ============================= 🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips 🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel 🍿 Caleb Hammer Top Videos https://www.youtube.com/@CalebHammerTopVideos ============================= *Connect with me!* ============================= TikTok: https://www.tiktok.com/@calebhammercomposer X: https://x.com/sircalebhammer IG: https://www.instagram.com/calebhammercomposer/ Facebook: https://www.facebook.com/calebhammercomposer/ ============================= *Want to be a guest on Financial Audit?* ============================= 👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply *Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. Sponsorship and business inquiries: [email protected] Learn more about your ad choices. Visit megaphone.fm/adchoices

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

• 0:01Speaker 00

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• 0:26Speaker 01

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• 0:45Caleb Hammer?

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

• 0:48Speaker 03

  You couldn't stop talking to certain people and continued to engage in that behavior.

• 0:52Caleb Hammer?

  What?

• 0:53Speaker 04

  I'm not allowed to have guy friends.

• 0:55Caleb Hammer?

  How many men are you talking sex shit to while with him?

• 0:59Speaker 03

  I don't know what kind of conversation it is because it's on Snapchat, so it gets deleted.

• 1:02Caleb Hammer?

  It's just tip pics, tip pics, tip pics.

• 1:04Speaker 04

  Wait, but like if it's a shirtless pic, is that not the same thing as a titty pic?

• 1:08Caleb Hammer?

  No!

• 1:10Speaker 03

  He's sending you a picture of an Eiffel Tower because you wanted me and him to have an Eiffel Tower with you. Tell the truth.

• 1:15Caleb Hammer?

  That phone is riddled with men and it's riddled with cleavage pics of those men. And your photos are riddled with your literal just full blasting holes and teds. And who knows who that's going to? Because again, unless, but.

• 1:29Speaker 04

  It's only going to him.

• 1:30Caleb Hammer?

  Well, there's like 50,000 other men in there, so it's impossible to know.

• 1:34Speaker 04

  I've had my Snapchat for over 10 years.

• 1:36Caleb Hammer?

  And they all have tip pics.

• 1:39Speaker 04

  Yeah, I have no words for you on that one.

• 1:41Caleb Hammer?

  Dollar Wise is about to launch its biggest update ever. My team and I have been working day and night. And in the next few weeks, Dollar Wise web goes live. For the first time, Dollar Wise is coming to your desktop, giving you a bigger, easier way to see exactly where your money goes. Plus, we're launching the Dollar Wise Referral Games with real money and huge prizes. You do not want to miss this. Download Dollar Wise using the link below and create your account now. Because when the Dollar Wise update drops, the games begin.

• 2:14Caleb Hammer?

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

• 2:35Speaker 04

  Hi, I'm Phoebe and I'm 26.

• 2:37Speaker 03

  I'm Jake, I'm 35 and we live in Dallas, Texas.

• 2:39Speaker 04

  And this is Financial Audit.

• 2:42Caleb Hammer?

  Yes, it is. Thanks for coming down, guys. Phoebe, what do you do up there in Dallas for a living?

• 2:48Speaker 04

  I currently just quit my job and moved to Houston.

• 2:51Caleb Hammer?

  Well, that's not a good job, nor is that Dallas. Okay, that's.

• 2:55Speaker 04

  Yeah.

• 2:55Caleb Hammer?

  We, I would say you.

• 2:58Speaker 04

  Yeah.

• 2:59Caleb Hammer?

  How, what was your job?

• 3:01Speaker 04

  I was working at a country club and a brewery.

• 3:05Caleb Hammer?

  Okay, and what was your position there? Serve?

• 3:09Speaker 04

  Bartender.

• 3:09Caleb Hammer?

  Okay, so you were just making that tip money. Good. Well, you better make some money then. Hope you move to Houston for a job, but let's get what you do for a living first, Jake. What do you do?

• 3:19Speaker 03

  I'm an electrician.

• 3:20Caleb Hammer?

  Okay, that can make some money. We like the trades, the trades are good. What do you make?

• 3:25Speaker 03

  Uh, 45 an hour.

• 3:26Caleb Hammer?

  Okay, how many hours a week?

• 3:28Speaker 03

  Minimum 40.

• 3:29Caleb Hammer?

  Minimum 40. So what hits your account per paycheck cycle?

• 3:32Speaker 03

  Minimum 1350.

• 3:34Speaker 04

  Don't say it, don't think it. Don't say it, don't think it.

• 3:37Caleb Hammer?

  Well, minimum, but what's average? Give me average, dude.

• 3:39Speaker 03

  1350.

• 3:40Caleb Hammer?

  Okay, why'd you say minimum? Okay, 1350 a week?

• 3:43Speaker 03

  Yes.

• 3:43Caleb Hammer?

  Okay, so 1350 a week.

• 3:45Speaker 03

  After taxes and insurance.

• 3:47Caleb Hammer?

  After taxes and insurance, that is what that is. I will times that by 52 and I'll divide it by 12. We're making it up. Okay, well, for her quitting your job, yeah. Okay, the 5,850 will make it work. And I know you can make that work in Dallas. Okay, so thank goodness. Why'd you just quit? Like, going from dual income to single income sucks.

• 4:09Speaker 04

  We broke up and I moved in with my sister.

• 4:13Caleb Hammer?

  Why are you?

• 4:14Speaker 03

  We're on a break. We're trying to see if you can make it work.

• 4:16Caleb Hammer?

  Oh, if I can make it work? Oh, am I the fixer?

• 4:21Caleb Hammer?

  Okay.

• 4:23Caleb Hammer?

  Well, that's gonna lead to a messy situation in this stack. Especially when, I mean, you were probably paying for the bills and everything, right? I mean, you had to go move in with your sister.

• 4:33Speaker 04

  I would pay like either the water bill or electric every.

• 4:36Caleb Hammer?

  Exactly, meaning he kept the roof over your head because he was making money and you were making tips.

• 4:43Speaker 04

  Yeah.

• 4:43Caleb Hammer?

  Carrie, how long have you been in Houston now, girl? How can I make this work? Maybe I can, we'll see.

• 4:48Speaker 04

  A week and a half.

• 4:49Caleb Hammer?

  This is fresh. You even accepted to come on the show, like, before?

• 4:54Speaker 04

  We applied a couple of months ago.

• 4:56Speaker 03

  We applied separately and then.

• 4:57Speaker 04

  They wanted.

• 4:58Caleb Hammer?

  Wait, how long have you guys been separated?

• 5:00Speaker 03

  About two weeks, yeah.

• 5:02Caleb Hammer?

  And so you guys applied to come on the show together? Oh, fuck.

• 5:06Speaker 04

  Yeah.

• 5:07Caleb Hammer?

  So this just happened right before you guys came on the show?

• 5:10Speaker 04

  Yeah.

• 5:13Caleb Hammer?

  So from the separation, you immediately just like, I'm, I'm, how long are you guys together?

• 5:18Speaker 03

  Hmm, 10 months roughly.

• 5:20Caleb Hammer?

  Okay, I mean, it's not a massive amount of time. I mean, if I can save it, we'll see. But 10 months isn't huge. Um, okay. So what happened? I guess that should be my question. Which, by the way, this is a massive stack of paper. All intertwined and figuring this out and it's gonna be a mess. But how long or what happened?

• 5:51Speaker 03

  Uh, we started dating, or we met in like September. I met her at her work, was going in there frequently, met her there and, uh.

• 5:59Caleb Hammer?

  Well, I'm glad I'm hearing the meat story, but I'm asking why the fuck it ended? If you want me to see if I can get you guys back together, why did it end?

• 6:06Speaker 03

  Trust issues and.

• 6:08Caleb Hammer?

  Oh, here we go.

• 6:10Speaker 03

  A huge fight on the 4th of July.

• 6:12Caleb Hammer?

  Well, everyone fights.

• 6:13Speaker 03

  True.

• 6:14Caleb Hammer?

  That's what a couple is.

• 6:15Speaker 03

  True.

• 6:15Caleb Hammer?

  If you can't handle a fight, then I don't think I'm gonna be able to get you guys back together. If you can't handle one single fight.

• 6:20Speaker 03

  Yeah, but there was the trust issues were more of.

• 6:22Caleb Hammer?

  Looking at him like a chicken or something.

• 6:24Speaker 04

  Sorry, I was just.

• 6:25Caleb Hammer?

  I don't know.

• 6:25Speaker 04

  Like, yeah. People go through hardships, you just work it out and talk it out and shit.

• 6:30Caleb Hammer?

  Your perspective, go ahead. Your perspective, go ahead.

• 6:35Speaker 04

  Uh, he, perspective of what happened on the 4th of July?

• 6:39Caleb Hammer?

  Okay, sure, let's learn what happened on the 4th of July.

• 6:43Speaker 04

  Um, we got in an argument because I told his sister something I shouldn't have. And then it ended up going way out of hand and then.

• 6:51Caleb Hammer?

  What did you tell his sister?

• 6:54Speaker 03

  Some poor parenting choices she had made in the past.

• 6:57Caleb Hammer?

  Parenting, wait, do we have kids?

• 6:59Speaker 04

  We have kids.

• 7:00Speaker 03

  We each have a kid, but separate.

• 7:01Speaker 04

  Yeah, not together.

• 7:03Caleb Hammer?

  Are you guys just in and out of relationships?

• 7:05Speaker 03

  No, my kid's, uh, six years old.

• 7:08Caleb Hammer?

  Yeah.

• 7:08Speaker 03

  She just got divorced.

• 7:09Caleb Hammer?

  With another woman.

• 7:10Speaker 04

  I just got divorced and my son's two.

• 7:13Caleb Hammer?

  When did you just get divorced?

• 7:16Speaker 04

  Last Thursday was the official date.

• 7:19Caleb Hammer?

  What the fuck are we doing, guys?

• 7:21Speaker 04

  Last Thursday was the official date, but I've been going through my divorce for almost a year.

• 7:25Caleb Hammer?

  Okay.

• 7:25Speaker 03

  We got together while she was going through her divorce.

• 7:27Caleb Hammer?

  Oh my, how long were you separated from that guy before you got with him? Maybe this was just meant as a rebound. Maybe it was meant as a rebound and like, why the fuck would I save that? I don't know. How long were you away from that guy before you got with him?

• 7:41Speaker 04

  Um, it was rocky for the last, the year before.

• 7:44Caleb Hammer?

  Yeah, but when, how long were you apart?

• 7:46Speaker 04

  Two months.

• 7:48Caleb Hammer?

  Okay. Oh, it's not very long, but it's fine enough to, I guess, start dating. Like, that's okay.

• 7:55Speaker 04

  Okay.

• 7:55Caleb Hammer?

  Okay, so, okay, how old's your kid?

• 7:58Speaker 04

  He's two.

• 7:59Caleb Hammer?

  And you said six?

• 8:00Speaker 03

  Yeah, he's just turned six.

• 8:01Caleb Hammer?

  Good. Were you guys all living together?

• 8:03Speaker 03

  Yes.

• 8:04Speaker 04

  Yeah.

• 8:04Caleb Hammer?

  Where's your kid now?

• 8:06Speaker 04

  He's with his dad. We do 50/50 custody.

• 8:08Caleb Hammer?

  Where's his dad?

• 8:10Speaker 04

  In Austin.

• 8:11Caleb Hammer?

  This is a whole Texas Triangle situation. Where's your kid?

• 8:14Speaker 03

  That's cool, in Dallas.

• 8:16Caleb Hammer?

  Yeah, Dallas. Okay, so you have to stay in Dallas. That makes sense. If we're gonna make it work though, you just moved to Houston. What would you do? If I can get this magic, magic glue back together, how would we make it work? You just moved to Houston.

• 8:35Speaker 04

  Maybe long distance for a while.

• 8:37Caleb Hammer?

  Really? When you guys couldn't even work in person? You couldn't handle one conversation? You think long distance is gonna work?

• 8:42Speaker 04

  I can handle a conversation. It's him that can't handle the conversation. He shuts down.

• 8:46Speaker 03

  I got tired of having the same conversation over and over again and you not changing anything about it.

• 8:52Speaker 04

  Mr. Is see you next Tuesday. That's

• 8:56Speaker 03

  Sure, but my family, I'm not dating my family. I'm not dating your family. I'm talking about us in general. I got tired of the fact that you couldn't stop talking to certain people and continued to engage in that behavior.

• 9:06Caleb Hammer?

  What?

• 9:07Speaker 04

  I'm not allowed to have guy friends.

• 9:09Caleb Hammer?

  Wait, what?

• 9:10Speaker 04

  I'm not allowed to talk to guys because guys are automatically going to me.

• 9:14Caleb Hammer?

  Well, that's weird. You know, she would unless the, you know, they kind of like she would have to say, yes.

• 9:21Speaker 03

  I understand that, but she was being inappropriate with

• 9:23Caleb Hammer?

  Oh, well, what the fuck are you talking about that? That's not being friends with guys.

• 9:27Speaker 04

  I wasn't being inappropriate. He could read the

• 9:30Speaker 03

  I can't read the text messages because it's on Snapchat and Snapchat deletes everything.

• 9:33Speaker 04

  He assumes

• 9:35Speaker 03

  There was specifically, there was specifically someone in general, whose name we won't use, but you know who I'm talking about.

• 9:41Speaker 04

  Yeah, and I stopped talking to them. They were blocked.

• 9:44Caleb Hammer?

  Wait, what?

• 9:44Speaker 03

  Yeah, after what? How many times though? And then you expected the trust to just be built back again and be perfect?

• 9:49Speaker 04

  I've up what like six months ago, almost.

• 9:53Speaker 03

  It's been about five months since you stopped talking to that person in general, but then there was other people that came into the picture that the trust still wasn't fixed and you continued to talk to guys and engage in conversation with them instead of focusing on our relationship.

• 10:04Speaker 04

  My friends from back home that are guys.

• 10:07Speaker 03

  You took priority over that instead of the fact that I told you it bothered me that you continued to talk to these people on a regular, consistent basis instead of it wasn't a hey, how you doing? Quick, quick checkup. It was continued conversation that lasted for weeks, months.

• 10:20Speaker 04

  No, it wasn't. It was literally maybe a week long because they asked about my divorce and what they did because they wanted advice.

• 10:28Speaker 03

  You sent nudes to a specific person though.

• 10:31Caleb Hammer?

  How's that advice?

• 10:32Speaker 03

  We'll call him Dave.

• 10:34Speaker 04

  Who's Dave?

• 10:34Caleb Hammer?

  Well, just say the name will

• 10:36Speaker 04

  Okay, yeah, that was five months ago. I fucked up and I

• 10:39Caleb Hammer?

  You guys were together for but you were, you were like five months into a relationship.

• 10:44Speaker 04

  We were like three months into this relationship at the point.

• 10:47Speaker 03

  And then you continued the behavior again.

• 10:49Speaker 04

  I know, and I fucked up and since then

• 10:51Speaker 03

  Okay, but the trust wasn't fixed though. So how do you expect me to trust you again? When you're continuing to engage then that type of conversation with other people? And I don't know what kind of conversation it is because it's on Snapchat, so it gets deleted.

• 11:02Speaker 04

  I'm barely even on Snapchat. I do my little streaks and I get off. You know that. But you assume that

• 11:07Speaker 03

  That's what you tell me, but that's not what I know. And if you're trying to fix a trust with somebody, what you should be doing is not being on it at all.

• 11:13Caleb Hammer?

  If that was a clear boundary he set, whether or not we agree with it, that is a boundary he would set. Did you set that boundary?

• 11:18Speaker 03

  Tried to.

• 11:20Speaker 04

  But

• 11:20Speaker 03

  By telling her I had a boundary, she just continued to do it.

• 11:23Speaker 04

  Girl that you texted out of spite. Oh.

• 11:26Speaker 03

  Yeah, I texted a girl out of spite to prove my point that it bothered you.

• 11:29Speaker 04

  Well, I didn't even bring it up until after we broke up.

• 11:32Speaker 03

  But you admitted that it bothered you still.

• 11:34Speaker 04

  Yeah, after we broke up, I didn't, I was gonna let it pass. I was just gonna, I fucked up and he can fuck up once.

• 11:41Caleb Hammer?

  What did he do?

• 11:42Speaker 04

  He texted some girl back home.

• 11:44Caleb Hammer?

  What though?

• 11:45Speaker 04

  A happy Father's Day.

• 11:47Speaker 03

  Because her kid's dad passed away and so I joked around with her.

• 11:50Speaker 04

  Sending her a topless pic and

• 11:52Speaker 03

  My kid was in the photo. We were swimming all day and I took a picture of me and my son in the mirror and said, Happy Father's Day.

• 11:57Caleb Hammer?

  Wait, we call that topless when a man sends a shirtless picture?

• 12:00Speaker 03

  Thank you.

• 12:01Caleb Hammer?

  We call it topless? For men?

• 12:04Speaker 04

  Shirtless, sorry. Shirtless.

• 12:06Caleb Hammer?

  I would say

• 12:07Speaker 03

  I can walk around with my shirt off outside and it not be a big deal. It's different.

• 12:12Caleb Hammer?

  How are you gonna win the trust back? I can't win the trust back for you. If he set up the clear boundary of no Snapchat, why would you just keep going Snapchat?

• 12:19Speaker 04

  I have some streaks that are over a thousand.

• 12:21Caleb Hammer?

  That's more important than your boyfriend.

• 12:23Speaker 04

  They're, they're all girls.

• 12:25Caleb Hammer?

  And that's more important than your boyfriend though, because he set that boundary.

• 12:27Speaker 03

  Girls though, am I?

• 12:30Speaker 04

  You're talking about one that I have.

• 12:32Speaker 03

  Might need to bleep some names out.

• 12:35Speaker 04

  I deleted I deleted and I talked to before our relationship even started.

• 12:43Speaker 03

  Yes, but then you continue to talk to him on Snapchat and Instagram.

• 12:47Speaker 04

  The messages

• 12:47Speaker 03

  It doesn't matter. Why are you talking to somebody that you were potentially gonna sleep with before me? There's no need for that kind of behavior.

• 12:52Speaker 04

  Congratulations on going, moving to a duty station because it was leaving the state.

• 12:58Speaker 03

  He wants sex from you. He's not worried about what's going on in your actual personal life.

• 13:01Speaker 04

  If we could get a drink and I left him on red. I was like, I'm not engaging in that conversation.

• 13:05Speaker 03

  But you engage with it beforehand.

• 13:07Speaker 04

  Congratulations.

• 13:08Speaker 03

  It's like you like the attention from them until it gets to a certain point and you just dance around the line and get potentially blur it.

• 13:14Speaker 04

  No.

• 13:15Speaker 03

  Yes, that's what happened with

• 13:17Speaker 04

  I fucked up with and I know I did.

• 13:19Speaker 03

  Okay, so how am I supposed to trust that you're not gonna fuck up with other guys when you won't stop the conversation with them completely?

• 13:25Caleb Hammer?

  That's the point. That's the point and that's not unfair. Why would you not listen to the boundary that's put? Again, we can, we can disagree with the boundary, but if that's what it was, you were choosing to continue those conversations over being with him.

• 13:40Speaker 03

  One time, he fucked up with three or four times.

• 13:42Caleb Hammer?

  Oh my

• 13:43Speaker 04

  Two.

• 13:44Caleb Hammer?

  What's it tell us? Tell me, inform me, please.

• 13:46Speaker 03

  Okay, we first got together and we, I met her in September. We started having sex in October. Her for exchanging nudes in October, I saw them on her phone and I said, hey, what is, who'd you send this to? This isn't to me. And she's like, oh, I sent it to you. I was like, don't lie to me. I don't care right now. We're not dating, but tell me the truth. She wouldn't tell me the truth until 12, 24 hours later, or whatever it may have been. Okay, that was the first time because she lied to me, even though we weren't dating. But you lied to me. I told you. I told you, if you lie to me about something this small, how am I gonna know you're not gonna lie to me about something bigger on later? I told you that. I remember having that conversation.

• 14:17Speaker 04

  Haven't been able to trust me, is that what you're saying?

• 14:19Speaker 03

  Then I looked past it because I was like, whatever. It was a simple, stupid, young air. I'm just gonna let it go. Then you, you continued the conversation with me, even though you told me that you stopped it and you left him on red. That was the last conversation we had about him until I found more stuff on your, on your Snapchat from him.

• 14:32Speaker 04

  He sent me a funny picture. All I did is laugh at it. I never responded. And that's what he assumes.

• 14:38Speaker 03

  You guys were best friends on Snapchat. You have to respond if, if, in order for that to happen.

• 14:43Caleb Hammer?

  How'd you find the second time?

• 14:45Speaker 03

  I went through her phone.

• 14:46Caleb Hammer?

  What was, what was calling you to go through the phone?

• 14:50Speaker 03

  Just out of curiosity.

• 14:52Speaker 04

  No, he goes through my phone all the time.

• 14:54Speaker 03

  All the time? No, I've gone through her phone six times, maybe.

• 14:56Caleb Hammer?

  Is it unfair though?

• 14:58Speaker 04

  Six times, once a month. That's what he's saying.

• 14:59Speaker 03

  I've found something on your phone. I've told you before, I would love to go through your phone and not find anything.

• 15:03Speaker 04

  You cannot say that because the last time you did, you were like, oh, I was surprised. I didn't see anything.

• 15:08Speaker 03

  Which time are you referring to? The time, the day we broke up?

• 15:12Speaker 04

  No, before that, even before that even.

• 15:15Speaker 03

  No, that's not true. I found the messages from

• 15:17Speaker 04

  Yeah, he was asking about

• 15:19Caleb Hammer?

  How many men are there?

• 15:21Speaker 04

  I have a lot of guy friends, but that doesn't mean I'm having sex with them or exchanging any names.

• 15:26Caleb Hammer?

  Your women friends streaks.

• 15:27Speaker 04

  Yeah, those are streaks.

• 15:28Caleb Hammer?

  Okay, that's

• 15:29Speaker 03

  You had streaks with the guys though, too.

• 15:30Caleb Hammer?

  Why did you specifically tell Devon, who's producing your episode, that you don't have any girlfriends?

• 15:35Speaker 04

  I, they're not in Texas. None of my friends are in Texas.

• 15:38Caleb Hammer?

  Oh, we're really pushing the goalpost on that, aren't we?

• 15:40Speaker 03

  And that's not true. There's girls that you work with that are friends, girls that I've watched her kid before that you talk to.

• 15:47Speaker 04

  So my babysitters are my friends?

• 15:50Speaker 03

  Is not a friend? Not a friend?

• 15:52Speaker 04

  Do I hang out with them outside of work?

• 15:54Speaker 03

  You don't choose to. That's not, but you could still hang out with them and can form a relationship with them instead of forming relationships with guys who I'm not comfortable with it happening.

• 16:02Speaker 04

  Have I hung out with them outside of work either? Or hung out with any other guy besides you?

• 16:06Speaker 03

  How about the time where you stayed at work when you told me you were gonna be off at this time and you stayed at the bar and talked to me for hours and came home drunk when we had plans to do something else?

• 16:15Speaker 04

  Yeah, I did fuck up on that one.

• 16:16Speaker 03

  Yeah, and then talked to

• 16:20Caleb Hammer?

  What?

• 16:21Speaker 03

  She heard her and that guy were having a conversation. They work together at the, at the brewery that I met her at, right? So she obviously had to keep somewhat of a relationship with them because they were coworkers.

• 16:30Caleb Hammer?

  Yeah, yeah.

• 16:31Speaker 03

  But she could separate the boundary and, you know, not be inappropriate with them, but instead she got off of work early one day and continued to stay there and drink with him and get and talk about having sex with him.

• 16:40Caleb Hammer?

  How'd you know that?

• 16:40Speaker 03

  Saw messages in her phone about it.

• 16:42Speaker 04

  No, he did not see, oh, we're gonna have sex.

• 16:45Speaker 03

  He sent you a picture of an Eiffel Tower because you wanted, you wanted me and him to have an Eiffel Tower with you. Tell the truth.

• 16:52Caleb Hammer?

  Don't lie. We always catch the lie. There's no reason to lie. How many men are you talking sex shit to while with him? I can't repair that.

• 17:01Speaker 04

  I haven't talked to any guys sexually since that. I fucked up on that and I apologize.

• 17:06Caleb Hammer?

  When was that? When she sent nudes?

• 17:08Speaker 04

  Yeah, that was back in March.

• 17:11Speaker 03

  So you were sending him nudes after the fact, right?

• 17:13Speaker 04

  No, I was not sending him nudes, but we did talk about that and that was in March and I I fucked up and I apologize and I've been trying to work on our shit and like

• 17:25Caleb Hammer?

  And how have you

• 17:26Speaker 04

  Built the trust back.

• 17:26Caleb Hammer?

  How have you built trust? How have you worked on this?

• 17:31Speaker 04

  Um

• 17:32Caleb Hammer?

  Oh, great.

• 17:34Speaker 03

  Because the only thing I saw that you possibly did, and I don't know for a fact, is you blocked, stopped talking to him, but you could have blocked him, unblocked him, continued the conversation and just got better at hiding it. Because once trust is broken, that's kind of what it does to somebody, right?

• 17:44Speaker 04

  You really think that I'm I'm that secretive? Like I'm gonna block him, unblock him, block him? No, I'm not going to.

• 17:50Caleb Hammer?

  Okay, open your phone.

• 17:55Speaker 04

  It's on pictures, sorry.

• 18:00Caleb Hammer?

  Okay.

• 18:03Speaker 03

  And the other thing that you didn't do is you didn't cut off the conversation with all the other guys. Even if it was just friendly banter back and forth, you put that over a priority instead of our relationship. You should have been making me feel feel more secure since the fact that you did break the trust, you should have made me feel more secure.

• 18:17Speaker 04

  I have a lot of guy friends and I've had friends since I was like sixteen.

• 18:21Caleb Hammer?

  But listen.

• 18:23Speaker 03

  Person you're wanting to try to grow life with though, or are those just people that you, you know, want to like a picture on Instagram every once in a while? Cause if that's all it was, I wouldn't be complaining about it, but that's not what it was.

• 18:31Caleb Hammer?

  It was sending nudes, which I mean, the moment that someone starts sending nudes to people, I'm then also kinda, I'd be sketched out that they have that many guy friends.

• 18:40Speaker 04

  I've never sent any other nudes besides that.

• 18:42Caleb Hammer?

  How would he know though? Cause that's what he caught.

• 18:48Caleb Hammer?

  That's what he caught.

• 18:49Speaker 04

  I'd be careful going through my pictures right now.

• 18:51Caleb Hammer?

  I'm not going through your pictures. I'm trying to get you on wifi. And also again, isn't that the issue though? Is he was going through the pictures and he found it? Dude, you broke up like a week ago, a week ago. Now what are you doing? Immediately the moment that I'm assuming at this point, he broke up with you.

• 19:09Speaker 03

  I broke up with her pretty much.

• 19:10Caleb Hammer?

  Yeah.

• 19:11Speaker 04

  I asked him what was going on pretty much.

• 19:13Speaker 03

  She came home from work and accused me of cheating because I've shut off the last six weeks.

• 19:16Speaker 04

  I didn't accuse you.

• 19:18Speaker 00

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• 19:43Speaker 03

  Asked you over to my phone, you said, are you cheating on me?

• 19:45Speaker 04

  I literally asked you a question.

• 19:47Speaker 03

  That's accusing if you're asking somebody if they're cheating on you.

• 19:50Caleb Hammer?

  That's why would you come?

• 19:51Speaker 04

  Is that accusing if you ask a question?

• 19:52Caleb Hammer?

  Why would you come home and ask that?

• 19:53Speaker 04

  Cause he hasn't talked to me in six weeks.

• 19:55Caleb Hammer?

  Six weeks while you guys lived together?

• 19:57Speaker 04

  Yeah. He was literally shutting me out.

• 19:59Caleb Hammer?

  Tell me about it. Tell me about it.

• 20:00Speaker 04

  Wouldn't talk to me.

• 20:01Caleb Hammer?

  Give me context. Tell me about it.

• 20:03Speaker 04

  It's from the fourth of July thing. He started literally pulling back and not talking to me those whole.

• 20:08Speaker 03

  Cause after the fourth of July, we got in a huge argument that involved both of our families and I still shut my family out and continued to.

• 20:14Speaker 04

  You didn't shut your family out though.

• 20:16Speaker 03

  I told them that I was going to continue to date you, even though that they didn't think that that was what was best because of what had happened.

• 20:20Speaker 04

  Oh, wow. So you're not taking their opinion is shutting them out?

• 20:26Speaker 04

  Oh, a friend from high school.

• 20:27Caleb Hammer?

  Okay. I mean, we're sending this.

• 20:32Speaker 04

  That was a year ago. Yeah, that's, it's normal.

• 20:36Caleb Hammer?

  Okay. This was 10 months ago. I know when you guys got together.

• 20:42Caleb Hammer?

  10 months ago, like this is, this is the guy that you're continuing to send things to, the ones that we're sending.

• 20:48Speaker 03

  Cause I didn't even know who.

• 20:50Caleb Hammer?

  Oh yeah. There's a whole collection.

• 20:52Speaker 04

  That is.

• 20:52Caleb Hammer?

  Oh, I've never talked to him like that. What the are you talking about?

• 20:56Speaker 04

  I don't.

• 20:57Caleb Hammer?

  I never talked to him like that.

• 20:58Speaker 04

  It's literally an empty screen. I had a picture of my face.

• 21:00Caleb Hammer?

  Of your tits?

• 21:02Speaker 04

  That happened to be in the picture.

• 21:05Speaker 04

  And it's not full tit like that.

• 21:06Caleb Hammer?

  What do we think the intent of this picture was?

• 21:09Speaker 03

  Get some attention.

• 21:11Caleb Hammer?

  No, it's the boobs. That wasn't a face picture.

• 21:16Caleb Hammer?

  And that's just one person. Some of it while you guys are together, dude. Now let's see who this is. Cause who old do we have in here? Let me tell you. Okay. That one's not horrible. But again, so he wasn't talking to you. When did you start the no talking in your mind?

• 21:35Speaker 03

  Right after the fourth of July. It was pretty rocky from then on out.

• 21:38Speaker 04

  Why is it rocky? Please explain.

• 21:41Speaker 03

  Because I felt like I put in the effort by.

• 21:44Speaker 04

  That's bullshit. He, we had a, we had a problem at his family's house.

• 21:50Caleb Hammer?

  Okay. We'll bleep names. Don't freak out. Tell me.

• 21:52Speaker 04

  His sister and him were involved. It, he slapped her ass and my sister saw it and it was.

• 22:00Caleb Hammer?

  Huh? Wait, what?

• 22:01Speaker 03

  My sister was standing in front of the trash can and was blocking it and I slapped the side of her butt to get out of my way, get out of my way.

• 22:06Caleb Hammer?

  Sister's butt?

• 22:07Speaker 04

  Yes.

• 22:08Caleb Hammer?

  Okay. So what happened?

• 22:10Speaker 03

  She, Phoebe did not see it and.

• 22:12Caleb Hammer?

  Oh, her sister saw.

• 22:14Speaker 04

  My sister saw.

• 22:15Caleb Hammer?

  Oh.

• 22:16Speaker 03

  When my sister confronted her and her sister about some choices that they had made and some things that they decided to tell my sister, her sister all of a.

• 22:24Speaker 04

  Oh, she's high and mighty. She's all high and mighty and I'm the bad guy.

• 22:28Speaker 03

  Phoebe's sister all of a sudden decided to tell, to, to tell Phoebe about it and.

• 22:33Speaker 04

  No, she cussed me out, called me every single name in the book, said I'm a bad.

• 22:37Speaker 03

  She had such a problem with it. Why didn't she tell you about it? If your sister thought it was so inappropriate, why didn't she tell you about it the second it happened?

• 22:43Speaker 04

  Cause she forgot it happened.

• 22:44Speaker 03

  Cause it wasn't that big of a deal.

• 22:47Speaker 04

  No, we were all drinking and.

• 22:49Speaker 03

  The context behind it was my sister was standing in front of the trash can, blocking the trash can and I smacked her on the side of the butt to get out of the way. I didn't walk up and grab her ass and be inappropriate with her. And that's where your sister was trying to paint the picture.

• 22:58Caleb Hammer?

  Yeah, that is kinda crazy.

• 22:59Speaker 04

  So when I asked him about it, it literally went from, oh, it was a joke. Oh, the second I asked him about it, oh, I thought she was you, which she's a foot taller than me, blonde hair, looks nothing like me. So that confused me even more.

• 23:15Speaker 03

  Cause to me it happened in the moment and it didn't even matter because it wasn't a big deal. And I was drunk when the whole thing was, when that whole day, basically. And to me, you were taking apart of the fact that the other bigger problem that we were having and you were trying to pin something around. So I, it would take the blame off of you.

• 23:29Speaker 04

  No, that was not the case. I was confused.

• 23:31Speaker 03

  Well, that's how I took it.

• 23:32Caleb Hammer?

  It's just tit pics, tit pics, tit pits. It's all you send to these men. It's just tit pics. They're not literal titties.

• 23:39Speaker 04

  I de- I deleted that guy. I stopped talking to him because he was creepy.

• 23:42Caleb Hammer?

  Yeah. Two months into your guys' relationship. You suck with money. So you download a budgeting app. You start with the classic one, YNAB, but everyone just deletes it because it's way too complicated to use. So you go to EveryDollar. That's Dave Ramsey, the personal finance guy, right? Well, they're going to force you to use it his way. That's not very personal finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end? Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like Dollar Wise. Built by these people just like you, for people just like you.

• 24:25Caleb Hammer?

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• 25:06Caleb Hammer?

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• 25:13Speaker 04

  Yeah, we were.

• 25:14Caleb Hammer?

  Two months into your guys' relationship, you're still sending tit pics? Or was he creepy? How can you say someone's creepy if you're the one sending borderline nudes?

• 25:22Speaker 04

  Cause look, he saved every single one like that. Like what?

• 25:25Caleb Hammer?

  Snapchat. Also stop sending them then. Are you?

• 25:32Speaker 04

  Touche. I get it.

• 25:33Caleb Hammer?

  I mean, come on.

• 25:34Speaker 04

  That was a long.

• 25:35Caleb Hammer?

  Yes, it was, but you're continuing it two months into the relationship.

• 25:38Speaker 04

  When was that taken? That was so long ago.

• 25:40Caleb Hammer?

  Yes, that picture.

• 25:41Speaker 03

  That one picture though, that's what he's trying to say is you continued sending pictures. Doesn't matter what it was.

• 25:46Caleb Hammer?

  And all these people, like you stopped talking to him, what, two weeks ago? Cause uh, two weeks ago was the last message.

• 25:53Speaker 04

  I don't know.

• 25:54Caleb Hammer?

  Two weeks ago.

• 25:56Speaker 04

  Guy?

• 25:56Caleb Hammer?

  Yes.

• 25:57Speaker 04

  No, I stopped talking to him so long ago.

• 25:59Caleb Hammer?

  No, two weeks ago was the last message.

• 26:00Speaker 04

  Well, that's because I left him on red and I've continued to leave him on red.

• 26:04Caleb Hammer?

  Maybe.

• 26:06Speaker 04

  I stopped talking to him so, so long ago. What?

• 26:12Caleb Hammer?

  Oh, nothing. It's just a different app. You have a lot of notifications coming in.

• 26:16Speaker 04

  Oh, I don't like, I don't check my notifications ever.

• 26:19Caleb Hammer?

  I don't know, man. And then why? Okay. So you guys just broke up and I haven't gone through them, but if I do, they're probably crazy.

• 26:27Speaker 03

  The other thing she never did until after the fourth of July, put anything about me on social media. I don't have social media.

• 26:34Speaker 04

  That's bullshit because I put.

• 26:35Caleb Hammer?

  Okay.

• 26:36Speaker 04

  You were on my story multiple times.

• 26:39Speaker 03

  There was a picture of my hand holding a drink while we were at dinner. You can't tell it's me. There was nothing that showed actually me and you together. It looked like you were just on a date with some guy, taking you out to dinner. That, that's how I felt like you were treating me. Just somebody that helped you get through your divorce and, you know, rebound off of. Which if that's what I wanted to be, I told you in the beginning, that's what it could have been. We could have just had sex, had fun, then that would have been it.

• 27:00Speaker 04

  No, I was just being careful.

• 27:01Speaker 03

  You told me that you fell, that you fell in love with me and that you loved me and you cared about me, but all of your actions were showing something completely different.

• 27:06Caleb Hammer?

  While talking to other men?

• 27:09Speaker 04

  I do love him, but.

• 27:10Caleb Hammer?

  While talking to other men though.

• 27:12Speaker 04

  Not sexual.

• 27:14Caleb Hammer?

  Have we seen those pictures? She's still talking to this man. Now this photo is not from while you guys were together, but she's still talking to the guy she sent this to.

• 27:24Speaker 04

  That was a long. Put that up there.

• 27:28Caleb Hammer?

  It's just a little booty, no hole.

• 27:30Speaker 04

  Okay.

• 27:30Caleb Hammer?

  You're fine.

• 27:31Speaker 04

  That's a lot.

• 27:31Speaker 03

  Who's that guy?

• 27:32Caleb Hammer?

  This is like titty and you used to be fat. I'm glad you're not anymore.

• 27:35Speaker 04

  I was pregnant and postpartum.

• 27:37Caleb Hammer?

  That was pregnant during that time?

• 27:38Speaker 04

  Uh, no, that was after.

• 27:39Caleb Hammer?

  Oh, then shut the up.

• 27:42Speaker 04

  I gained a lot of weight when I was pregnant.

• 27:44Caleb Hammer?

  Clearly.

• 27:46Caleb Hammer?

  You're not anymore. So that's why I'm.

• 27:47Speaker 04

  Thank you.

• 27:48Caleb Hammer?

  Feeling okay, calling you a fatty.

• 27:50Speaker 04

  That's okay. I know I was fat. I was big.

• 27:52Caleb Hammer?

  No, you're fat. Okay.

• 27:55Speaker 03

  It felt like she was definitely keeping options open.

• 27:57Caleb Hammer?

  Yeah, sure. I mean, what was the social media thing? What was the big issue?

• 28:00Speaker 04

  That wasn't, I wasn't.

• 28:01Speaker 03

  I don't have social media. Like I don't, I don't, I don't engage in any of that.

• 28:05Speaker 04

  How are you supposed to know if I post you or not?

• 28:06Speaker 03

  Cause I would see it on, when I went through your phone, I would look at it.

• 28:10Caleb Hammer?

  She talks to so many men, it's crazy.

• 28:12Speaker 04

  I don't talk to them though. That's the thing.

• 28:14Caleb Hammer?

  No, you just send cleavage photos.

• 28:15Speaker 04

  You can Snapchat without talking.

• 28:17Speaker 03

  But you can also talk on Snapchat.

• 28:18Caleb Hammer?

  Photos. I'd rather you talk than do cleavage photos.

• 28:21Speaker 03

  You can also talk and type something in those pictures too. Those are the ones that they just happen to save. There could be other ones where you guys were actually having conversations on, but because it's Snapchat, it's all deleted.

• 28:31Caleb Hammer?

  Now that's the thing. Here's the thing, and this is what's crazy. And we're not going to go through it in detail. If you guys just broke up a week ago, who are you recording these two?

• 28:43Speaker 04

  Oh my goodness, those are.

• 28:44Caleb Hammer?

  Again, we're not collecting them. We're not, we're not clicking on them. We're watching them on camera, but we know what they are.

• 28:50Speaker 03

  Yeah. She sent that to me.

• 28:52Speaker 04

  Yeah, those were.

• 28:52Caleb Hammer?

  Why? When you guys broke up?

• 28:54Speaker 04

  Yeah.

• 28:55Speaker 03

  Yeah.

• 28:55Speaker 04

  Check her notes.

• 28:57Caleb Hammer?

  Huh?

• 28:58Speaker 04

  Check her notes.

• 28:58Speaker 03

  We, we had sex yesterday.

• 29:01Caleb Hammer?

  What notes? Oh, so what do we, what notes? What are you talking about? I don't know. No?

• 29:08Speaker 03

  He's gonna see a lot that he probably doesn't want to see, but.

• 29:12Caleb Hammer?

  I thought.

• 29:16Speaker 03

  We're on a break, meaning that we are actually broken up. She's not living with me anymore, but we did have sex. Yeah.

• 29:22Speaker 04

  Twice, three times.

• 29:23Caleb Hammer?

  This is one of the weirdest things I've ever seen in my life.

• 29:26Speaker 04

  It's notes, collaboration.

• 29:28Caleb Hammer?

  Okay, yeah, you guys have a collaborative folder of every sexual nude. What is this relationship, guys? What is this relationship?

• 29:38Speaker 03

  It's complicated. I still care about her and I love her, but I broke up with her because I did not want to keep going down the vicious cycle of not seeing anything change. We have great sex, though, so we've had sex a few times after.

• 29:48Speaker 04

  Phenomenal.

• 29:49Caleb Hammer?

  Well, you guys are broken up.

• 29:51Speaker 04

  Yes.

• 29:54Caleb Hammer?

  So what am I repairing? What do you guys want?

• 29:58Speaker 03

  I want to be able to trust her again and actually her change for the fact and make a permanent change. And not just stop talking to one guy that I caught her talking to, but can stop the behavior of talking to all of them.

• 30:08Caleb Hammer?

  So on your phone here, again, did this, who'd this go to?

• 30:14Caleb Hammer?

  Do any of these go to anyone else?

• 30:16Speaker 04

  No.

• 30:16Caleb Hammer?

  Would we know?

• 30:17Speaker 04

  No, I don't.

• 30:18Caleb Hammer?

  Would he know?

• 30:19Speaker 03

  I wouldn't know.

• 30:19Caleb Hammer?

  Do you trust that they go to no one else?

• 30:21Speaker 03

  No.

• 30:22Speaker 04

  No one else.

• 30:24Caleb Hammer?

  But you guys have been broken up for a week and a half.

• 30:28Speaker 04

  Yeah, I know. I don't like sleeping around and doing that kind of stuff.

• 30:33Speaker 05

  Sure, Jan.

• 30:35Speaker 03

  You started sleeping with me two months after you broke up with your husband and slept with somebody else before that.

• 30:39Speaker 04

  Yeah.

• 30:40Caleb Hammer?

  Okay, a rebound I'm not freaking out about. Okay, okay, okay. Well, now, great. I know what you look like naked. That's wonderful. Um.

• 30:48Speaker 03

  It's pretty nice.

• 30:49Caleb Hammer?

  I guess it's fine. It's good.

• 30:51Speaker 04

  Yeah, it's a little hurtful.

• 30:55Caleb Hammer?

  I mean, that's crazy.

• 30:57Speaker 05

  That was him. That was him. He wanted that so badly.

• 31:01Caleb Hammer?

  Y'all are wild. Okay. And I like wild. Wild's fun. But the thing is, do you want to get back with her? If we can rebuild trust.

• 31:09Speaker 03

  Not unless it's something permanently changed. Yeah, like if things were actually changed and things were actually going to be different, yeah, I could see a future with her.

• 31:15Caleb Hammer?

  So you guys have a good sexual relationship, clearly.

• 31:18Speaker 03

  Yeah, and when things were good with us, like we have fun together, us going out and doing stuff together, we have a blast together. When things were good, they were great.

• 31:26Caleb Hammer?

  So what can you do to rebuild trust? What do you think you can do? Because honestly, that phone is riddled with men and it's riddled with cleavage pics of those men and your photos are riddled with your literal just full blasting holes and teds. And who knows who that's going to? Because again, unless.

• 31:44Speaker 04

  It's only going to him.

• 31:45Caleb Hammer?

  But Snapchat is impossible because as he says, it disappears. And how can he trust that it's only going to him when literally only a couple of months ago nudes were going to someone else? How can you rebuild that? Tell me.

• 31:57Speaker 04

  Delete every single mail on my Snapchat?

• 32:00Caleb Hammer?

  Good. He put that boundary in and you didn't do it. So he broke up with you.

• 32:05Speaker 04

  Uh, did he break up with me because of only that, though? Because it's just, uh...

• 32:10Caleb Hammer?

  Well, the big July thing, which was honestly just crazy.

• 32:13Speaker 04

  Yeah.

• 32:13Caleb Hammer?

  But then you were.

• 32:14Speaker 04

  Thank you.

• 32:14Caleb Hammer?

  Now, why would it? No, it was crazy from everyone's end. It was crazy from your sister's end. It was crazy. It was like, but why did you not talk to her for six weeks? Because even if I get you guys back to.

• 32:25Speaker 03

  I didn't talk to her for those six weeks because of, I didn't see any behavior changing with the Snapchat and the texting of the other men. And then also there was other red flags that were brought out from the Fourth of July.

• 32:36Caleb Hammer?

  What?

• 32:37Speaker 03

  The fact that she couldn't own up to her responsibility from the Fourth of July. She was trying to pinpoint it on my sister, trying to pinpoint it on me, trying to pinpoint on everybody else instead of owning up for her part of it.

• 32:46Speaker 04

  I slapped her sister's ass and I apologized to your mom for getting them involved and you still didn't think that was enough.

• 32:51Caleb Hammer?

  Okay, where, where, where? Stand up.

• 32:54Speaker 04

  Mm-hmm.

• 32:56Caleb Hammer?

  Have fun with this chat. Uh, get close to him. Get close to him. Get close to him. Get close to him. Get close to him. Very good. Turn around.

• 33:03Speaker 04

  What?

• 33:03Caleb Hammer?

  Turn around. Where did you touch your sister?

• 33:06Speaker 03

  Side.

• 33:06Speaker 04

  That bullshit.

• 33:07Speaker 03

  You didn't even see it.

• 33:08Caleb Hammer?

  Even that's a little weird to me. Why are we touching our sisters then? That's, I mean, I would feel a little.

• 33:13Speaker 03

  And it was like move out of the way kind of thing. It wasn't like, I didn't walk up and grab her ass and shake it.

• 33:17Speaker 04

  But you slapped it.

• 33:18Speaker 03

  I like moved her out of the way like this.

• 33:20Caleb Hammer?

  Yeah, but why is it? Why does that?

• 33:22Speaker 04

  For a trash can.

• 33:23Caleb Hammer?

  Why does it? I don't care what it was for. Like, moving her is fine, but why can't it be back shoulder?

• 33:28Speaker 04

  Yeah.

• 33:28Speaker 03

  I don't know.

• 33:29Caleb Hammer?

  Anything else? Why does it have to be cheek? Because I was expecting it to, I was expecting us to get a little here.

• 33:35Speaker 03

  Yeah, maybe it was my hand, that angle was bad.

• 33:37Caleb Hammer?

  You did full.

• 33:38Speaker 03

  No, I did not hit full cheek. I hit the side of her right here.

• 33:41Caleb Hammer?

  Nah, dude, when you just grabbed, I saw cheek.

• 33:43Speaker 03

  Okay, well, I just hit the side of her.

• 33:45Speaker 04

  So I confronted her, asked her if she was okay with her brother slapping her ass and she was like, oh, yeah, it's cool. It's like a joke.

• 33:53Caleb Hammer?

  Weird to them and that's okay. That's.

• 33:55Speaker 04

  That's weird.

• 33:56Caleb Hammer?

  Okay. How, but why did, why did that trigger?

• 33:59Speaker 04

  He has all these boundaries and then I can't have, like, that, that doesn't seem like it should be a boundary.

• 34:04Caleb Hammer?

  Well, going forward.

• 34:05Speaker 03

  Conscious.

• 34:06Caleb Hammer?

  Going forward, sure. I mean, you could say, yes, it's weird. Let's not do that going forward. That's fine. Would he not agree to it?

• 34:12Speaker 04

  Yeah, but he changed his story three times and that's what made it so confusing.

• 34:16Speaker 03

  Because you were arguing with me about something to me that wasn't a big deal because I wasn't being inappropriate with my sister.

• 34:21Speaker 04

  No, you even said at the end of the conversation, it made you feel gross.

• 34:25Speaker 03

  Because you continued to try to paint me as somebody that I wasn't and putting thoughts into my head. So yes, it was making me feel like I did something wrong when I knew that I didn't, though.

• 34:33Speaker 04

  But you. Anyone else think that's gross?

• 34:35Caleb Hammer?

  Everyone thinks it's weird. The thing is, if all you have to do is lay down the boundary and just say, hey, I don't want to do that again, and that's a little weird to me.

• 34:42Speaker 04

  Yeah.

• 34:42Caleb Hammer?

  And so instead of being like, oh, you fucking incest freak.

• 34:45Speaker 04

  I didn't say that.

• 34:46Speaker 03

  Okay, you might not use the exact words, but that's what you were insinuating.

• 34:50Speaker 04

  You brought the word up. I did not.

• 34:52Speaker 03

  But that's what you were insinuating.

• 34:54Speaker 04

  It wasn't what I was insinuating. I just asked if there was anything else I should know. And that's it. That seems like a very broad question.

• 35:01Speaker 05

  You've seen it. I've seen it. We've all seen it. The dreaded lack of accountability.

• 35:05Caleb Hammer?

  Because the thing is, guys, I immediately have at the top of this document loans to each other from each other. Like, this is going to be such a mess. You guys, independent or you guys together, this is going to be such a mess.

• 35:17Speaker 03

  Right now, we are broken up.

• 35:18Caleb Hammer?

  I know you are for a week and a half, yet you're still giving her raw loads last night. I mean, are you not afraid of pregnancy?

• 35:26Speaker 03

  Uh, yeah, yeah, I mean, I don't want to throw that curveball into the mix.

• 35:30Caleb Hammer?

  No, I mean, I saw those photos. I assume there is no condoms involved here. You guys are way out. Oh, you guys are way beyond condoms.

• 35:38Speaker 04

  I like to be a twinkie.

• 35:41Caleb Hammer?

  Oh.

• 35:43Caleb Hammer?

  You're not ugly, but come on. I mean, just like, it's not what I want to picture at this exact moment.

• 35:47Speaker 04

  Sorry.

• 35:48Caleb Hammer?

  Very good. Okay, so that's what happens? Are you on birth control?

• 35:50Speaker 04

  No.

• 35:51Speaker 03

  Not right now.

• 35:51Speaker 04

  Not right now because my ex can't, got kicked out of the military and, uh.

• 35:56Caleb Hammer?

  Close your ears if you're a child or something, which you shouldn't be watching the show, you. But, um, did he come in you last night?

• 36:02Speaker 04

  Yes.

• 36:07Speaker 03

  She's on her period, though, so chances are pretty low.

• 36:09Caleb Hammer?

  Pretty low, not zero.

• 36:11Speaker 03

  Pretty low.

• 36:13Speaker 00

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

• 36:38Caleb Hammer?

  Pretty low, not zero. Okay, fine. Does he come in you other times?

• 36:42Speaker 04

  Um, the last two, three times pulled out, but before that, pretty frequently.

• 36:50Caleb Hammer?

  You're lucky she hasn't gotten pregnant.

• 36:52Speaker 03

  We've had a mishap.

• 36:53Speaker 04

  We have.

• 36:53Caleb Hammer?

  What?

• 36:54Speaker 04

  We've already gotten pregnant.

• 36:56Speaker 03

  And she had a miscarriage.

• 36:57Speaker 04

  Yeah.

• 36:58Caleb Hammer?

  Jeez, did you want to have a kid?

• 37:00Speaker 03

  Uh, we weren't trying to. We just weren't doing anything to stop it.

• 37:02Caleb Hammer?

  Were you going to?

• 37:04Speaker 03

  Would we have had it?

• 37:05Caleb Hammer?

  Yeah.

• 37:06Speaker 04

  I don't know.

• 37:07Caleb Hammer?

  Were you guys prepared? She says she doesn't know.

• 37:09Speaker 03

  Um, no, we weren't prepared and our relationship was shit at that point.

• 37:13Caleb Hammer?

  Uh, it's shit. It's been shit. When was it ever good? He had a couple of good days.

• 37:17Speaker 03

  Yeah.

• 37:17Speaker 04

  Yeah.

• 37:17Caleb Hammer?

  Um, so when did you get pregnant?

• 37:20Speaker 03

  We found out around April.

• 37:22Caleb Hammer?

  Sake. So literally when she was sending the dude other nudes.

• 37:24Speaker 04

  No, that was.

• 37:25Speaker 03

  That was in March, yeah.

• 37:26Speaker 04

  Yeah.

• 37:27Caleb Hammer?

  Mm-hmm.

• 37:27Speaker 04

  But, okay.

• 37:29Caleb Hammer?

  Yeah, um, come somewhere else.

• 37:32Speaker 03

  Yeah.

• 37:32Caleb Hammer?

  May I just recommend?

• 37:33Speaker 04

  Hmm.

• 37:34Caleb Hammer?

  Many places to do it.

• 37:35Speaker 04

  All the hormones from the miscarriage, it was.

• 37:40Caleb Hammer?

  Bad times.

• 37:41Speaker 04

  Yeah, it was a very bad.

• 37:43Speaker 03

  It was a lot for us to deal with and we didn't probably really process it and deal with the whole thing.

• 37:46Caleb Hammer?

  No, no one encourages a miscarriage. That's very hard. But again, what would you have done if it didn't miscarry? You suggested earlier that you would have ended it.

• 37:54Speaker 04

  Um, I would have kept it if it wasn't. Like, it's.

• 37:57Caleb Hammer?

  Okay.

• 37:58Speaker 03

  I don't think it would have saved our relationship.

• 38:00Speaker 04

  I don't think so.

• 38:00Caleb Hammer?

  Well, no, a pregnancy doesn't save relationships. How long were you pregnant before, you know, it like stopped?

• 38:07Speaker 03

  Less than two months, I think.

• 38:08Caleb Hammer?

  Well, so what were you guys doing those two months? Where was our brains? Because this could happen again. You guys are not in control.

• 38:15Speaker 03

  We didn't know that she was pregnant until, like, so she was probably pregnant a total of two months. We found out month, six weeks, and then she had a miscarriage a few weeks after.

• 38:22Caleb Hammer?

  So two weeks, you guys knew, three weeks, maybe.

• 38:23Speaker 04

  Yeah.

• 38:23Caleb Hammer?

  Cool. What was in our mind those three weeks? Because again, that could happen again.

• 38:29Speaker 03

  It was very worrisome.

• 38:30Caleb Hammer?

  What you guys did last night?

• 38:31Speaker 04

  All at once. I think I moved in around that time. Like, I started moving all my stuff.

• 38:36Speaker 03

  Yeah, it was definitely worrisome and, uh.

• 38:40Speaker 03

  I think we're still trying to salvage our relationship and work on things, but that just threw a whole nother wrench into it. Hormones, discussions about the future with it.

• 38:50Speaker 04

  Yeah. Kind of made me depressed a little bit afterwards.

• 38:55Caleb Hammer?

  Oh, yes, I bet. No, I mean, I'm not questioning that. But I am saying that literally last night, you guys did it again. It could happen. And you guys continue to every time you guys get together.

• 39:05Speaker 03

  Yeah.

• 39:06Speaker 04

  Yeah. Yeah.

• 39:08Caleb Hammer?

  You guys are so far apart.

• 39:10Speaker 03

  I mean, those six weeks after the fourth, we, our sex dropped drastically. And when we did have it,

• 39:15Speaker 04

  Okay, when I tried, you didn't want it. When you wanted it, that's when it happened.

• 39:19Speaker 03

  Yeah.

• 39:19Speaker 04

  It was only out of necessity for him. And then every time I would try to do it, he wouldn't, he wouldn't even talk to me.

• 39:26Caleb Hammer?

  You need to, to hang go.

• 39:28Speaker 04

  Yeah.

• 39:28Caleb Hammer?

  If you, but, but when he wanted to, you wanted to.

• 39:32Speaker 04

  Well, yeah.

• 39:33Caleb Hammer?

  So it worked.

• 39:34Speaker 04

  I haven't gotten some in a while. Like, yeah, I'm gonna want it.

• 39:36Caleb Hammer?

  It worked, though. If you want to, he doesn't want to, you don't have to. But if he wants to,

• 39:39Speaker 03

  I put sex on the back burner because I felt like it was holding our relationship together. And that was the only thing keeping it together.

• 39:44Caleb Hammer?

  Yeah, maybe. Okay.

• 39:45Speaker 04

  The only thing when you weren't talking to me at all.

• 39:48Speaker 03

  Like I just said, that was the only thing keeping us together was the sex.

• 39:51Caleb Hammer?

  What is this in front of me?

• 39:53Speaker 03

  A letter I wrote her when we broke up.

• 39:55Caleb Hammer?

  When you broke up a week and a half ago? Okay. I'm going into the breakup again, the six weeks of silence. So what I understand what caused it now, and it was a big hard fest. Let's be clear. That the sister thing from everyone's end is just so beyond moronic. But either way,

• 40:11Caleb Hammer?

  why'd you choose six months of silence? If I can get you guys back together somehow in some miracle, which I'm not feeling great about right now, other than you guys literally just being sex buddies? Because I think that might be the extent of y'all's relationship, including being parents together in the future. But six weeks of silence, I wouldn't advocate for that in any way whatsoever. That's like the worst communication.

• 40:31Speaker 03

  Weeks of I stopped treating her like a princess.

• 40:33Speaker 04

  You weren't talking to me throughout the day. You would barely answer my text messages. You wouldn't answer the calls.

• 40:37Speaker 03

  I stopped jumping at your beck and call. I stopped treating you like a princess. I stopped doing everything in all of it for you. I stopped fucking all of it.

• 40:45Speaker 04

  Being a boyfriend.

• 40:45Speaker 03

  Yeah, I treated you more like a roommate.

• 40:48Caleb Hammer?

  Yeah, why would you do that, though? Because again, that's not a communication style.

• 40:51Speaker 03

  There was things that I've been asking her to fix for the last nine months, and none of it was getting fixed.

• 40:55Caleb Hammer?

  I do agree with that.

• 40:56Speaker 03

  So why would I keep beating a dead horse?

• 40:57Caleb Hammer?

  But you either break up.

• 40:59Speaker 04

  Instead of dragging me around and making me feel like shit.

• 41:02Caleb Hammer?

  Silent treatment's not a thing.

• 41:04Speaker 04

  Trying so hard, cleaning the house every single day.

• 41:06Speaker 03

  But I got tired of.

• 41:07Caleb Hammer?

  But six weeks of it. So what happened at the end of the six weeks?

• 41:11Speaker 03

  She came home from work and asked to go through my phone because she thought I was cheating on her.

• 41:15Caleb Hammer?

  Okay.

• 41:16Speaker 04

  He didn't feel, make me feel welcome at home. And like, it literally, like, all my stuff was too much stuff.

• 41:22Caleb Hammer?

  Tell me about those six weeks from your perspective.

• 41:25Speaker 04

  So right before the six weeks, I came, I was in Alaska.

• 41:30Speaker 03

  Oh, the trip that you didn't want me to go on?

• 41:32Speaker 04

  The trip that.

• 41:33Speaker 03

  So you could go back and blow whoever else you did?

• 41:35Speaker 04

  No, so my family could meet my son because they've never met him. Yeah.

• 41:40Caleb Hammer?

  That's weird.

• 41:41Speaker 04

  He's two years old. I had him down here. Nobody's been able to fly down here and meet him. And I have a big family up there.

• 41:48Caleb Hammer?

  Okay, go on. In Alaska?

• 41:50Speaker 04

  Yeah.

• 41:50Caleb Hammer?

  Oh, okay, Alaska's big.

• 41:52Speaker 04

  Yeah, so I went up there, met, they, we literally spent the whole entire time with my family.

• 41:57Caleb Hammer?

  Why couldn't he go, though, your partner?

• 41:59Speaker 04

  Because he wanted, what, I'm gonna bring my son here, meet my son and my new boyfriend and his son? Like, that seems weird, honestly. Like, I want them to focus on.

• 42:07Speaker 03

  First she invited me, and then she didn't.

• 42:09Speaker 04

  No, because I thought about it. And I was like, I want the focus to be on my son. Meet my son first.

• 42:14Speaker 03

  While we were already having our trust issues, then you decide to go to Alaska by yourself? Were there all these people that you grew up with and are continue to talk to?

• 42:21Speaker 04

  That I didn't even see. I saw my old roommate, and that's it. And pretty sure he's gay. We've never even done anything like that. That is like off the table.

• 42:30Caleb Hammer?

  He was your roommate. I don't, you didn't have to your roommate if he wasn't gay.

• 42:34Speaker 04

  Like, no, we never did anything like that. And we're just friends.

• 42:37Caleb Hammer?

  Not to.

• 42:38Speaker 04

  Yeah.

• 42:39Caleb Hammer?

  They don't have to be gay.

• 42:40Speaker 04

  But he's scared that I'm gonna any guy that I see.

• 42:42Caleb Hammer?

  I mean, probably.

• 42:43Speaker 04

  No, I'm not.

• 42:44Caleb Hammer?

  I guarantee you, you would, there is, there is not a single dick you wouldn't ride. You're a whore. Hey, girl, I'm all too. Whores are fun. We love whores. I love whores. They have sex.

• 42:55Speaker 04

  I don't like being a whore. I'm not a whore.

• 42:58Caleb Hammer?

  Yes, you are. Oh, I saw that photo. Yes, you are.

• 43:02Speaker 04

  So mean.

• 43:04Caleb Hammer?

  Mean?

• 43:06Speaker 04

  So mean.

• 43:07Caleb Hammer?

  Huh?

• 43:08Speaker 04

  So mean.

• 43:09Caleb Hammer?

  It's not mean at all. Okay, either way, okay, so what, okay, you went to Alaska, so what?

• 43:13Speaker 04

  Okay, so while I was in Alaska, he sends me this long note that, which was after the fact, he texted that girl.

• 43:19Caleb Hammer?

  Oh, this?

• 43:20Speaker 04

  No, no.

• 43:21Caleb Hammer?

  Oh, a different note.

• 43:22Speaker 04

  Yeah, a different note, saying, oh, I love you. I'm gonna be the boyfriend you deserve. I'm sorry that it's been so rocky. And then I get home, that lasts for three days. Fourth of July happens, and then doesn't speak to me for six weeks.

• 43:35Speaker 03

  Because then after you got home, I went through your phone and saw that you were continuing to talk to some other dude.

• 43:39Caleb Hammer?

  Oh.

• 43:40Speaker 04

  I wasn't.

• 43:40Speaker 03

  So why should I hold up to my end of it?

• 43:43Caleb Hammer?

  What is he talking about then?

• 43:45Speaker 04

  Yeah, he was asking about divorce advice.

• 43:47Caleb Hammer?

  That's the one I just brought. No.

• 43:48Speaker 04

  That's the divorce advice.

• 43:50Caleb Hammer?

  Thanks, I just looked it up. It was ass intense.

• 43:53Speaker 04

  That's us. How do you know if it's or not? Because he has a different name, and I deleted him.

• 43:57Caleb Hammer?

  Didn't we go through that?

• 43:58Speaker 03

  I don't know. I know that.

• 44:00Caleb Hammer?

  Well, there's like 50,000 other men in there, so it's impossible to know.

• 44:03Speaker 04

  I've had my Snapchat for over 10 years.

• 44:05Caleb Hammer?

  And they all have tit pics.

• 44:10Speaker 04

  Yeah, I have no words for you on that one.

• 44:12Speaker 03

  When you were, when you had a husband, were you still talking to those people?

• 44:16Speaker 04

  Yeah.

• 44:16Speaker 03

  And being inappropriate with them?

• 44:17Speaker 04

  No, I never.

• 44:18Speaker 03

  Really? So if he goes back, if he went back and scrolled back to when you were actually together with your husband? He wouldn't find anything?

• 44:24Caleb Hammer?

  How long were you with your husband?

• 44:25Speaker 04

  Five years.

• 44:26Caleb Hammer?

  Okay, yeah, a lot of those were, well, some of those were one and two years ago.

• 44:30Speaker 03

  Exactly.

• 44:31Caleb Hammer?

  You were inappropriate.

• 44:33Speaker 03

  When you had a husband.

• 44:34Speaker 04

  No, we were, we broke up in July of 2024-ish.

• 44:41Caleb Hammer?

  Okay, so hybrid, I don't know. I don't know, maybe, maybe not. I don't know. Okay, so you saw her talking to a guy?

• 44:48Speaker 03

  Yeah.

• 44:48Caleb Hammer?

  Okay.

• 44:49Speaker 04

  And if you read the messages, it was about his divorce. He was asking questions.

• 44:52Speaker 03

  The messages I couldn't see. I couldn't see all of it because part of it was on Snapchat.

• 44:55Caleb Hammer?

  And why would he trust you from sending nudes on Snapchat just a few months prior?

• 45:01Caleb Hammer?

  That's not unfair. Okay, but tell me about those weeks from your perspective.

• 45:05Speaker 04

  I was trying really, really hard, trying to go and do stuff with him, clean the house every single day because he was getting, I thought that was what stressing him out was all the stuff that I had that I was moving in, and I didn't even move all my stuff in, was too much. It was constantly, he was telling me that you have too much shit. Get it, like, put it in storage, like.

• 45:27Speaker 03

  Yeah, and then I built a shed for you and your cat to help, help fix that. And it was still just shit all over the place. And it was a simple fact that like, you just couldn't clean up after yourself.

• 45:37Speaker 04

  No, I did.

• 45:38Speaker 03

  You're an adult, you should clean up after yourself.

• 45:39Speaker 04

  I was vacuuming twice a day. And he would still vacuum in front of me because, oh, what?

• 45:44Caleb Hammer?

  So lots of passive aggressiveness around the house. Okay, and then it came the letter?

• 45:49Speaker 04

  Yeah, he wouldn't talk to me.

• 45:50Caleb Hammer?

  Interested in being with any other man?

• 45:52Speaker 04

  No.

• 45:52Caleb Hammer?

  Okay. Insert post-show trailer here. She's literally, right now, talking to another man at this exact moment.

• 46:02Speaker 03

  I thought you said that he had a wife.

• 46:03Speaker 04

  You're like, well, what am I supposed to do? I just sent him a picture of my boobs.

• 46:07Speaker 03

  Yeah, you definitely just made it seem like all he was doing was fixing your car.

• 46:10Speaker 04

  Why didn't you fix my car, then?

• 46:11Speaker 03

  I probably could have fixed your car, but maybe if you weren't being such a hoe, I wouldn't have had to worry about fixing it.

• 46:17Caleb Hammer?

  Yeah, that's gonna blow your guys' mind in about 45 minutes. So you wrote this letter. Why'd you write this letter?

• 46:24Speaker 03

  Because I wanted to show her that I still cared about her. But if things couldn't be fixed, I wasn't gonna get back together with her. Like, if she couldn't change her behavior.

• 46:31Caleb Hammer?

  Letter.

• 46:31Speaker 04

  No, read it. It's just the whole time he's shitting on me, saying, this is where you fucked up. This is where you fucked up. This is where you fucked up.

• 46:37Caleb Hammer?

  Shall I read it, then? And then we'll get into the finances and see how this all is.

• 46:42Speaker 04

  Yeah.

• 46:42Caleb Hammer?

  Because this is a financial.

• 46:48Caleb Hammer?

  Real name, talking about her. I'll call her.

• 46:51Speaker 04

  Phoebe.

• 46:52Caleb Hammer?

  Phoebe.

• 46:54Caleb Hammer?

  I'm writing you this letter with really bad handwriting.

• 46:56Speaker 03

  Yeah, it's piss poor.

• 46:57Caleb Hammer?

  It's okay, we have the same handwriting. I'm writing you this letter for a few reasons. First off, I want to apologize, that doesn't sound like he's shitting on you, for how I spoke to you the other day. It wasn't necessary. I was upset with how you were going about things.

• 47:13Speaker 04

  Yelled at.

• 47:14Caleb Hammer?

  I love you, Phoebe. You're always going to have a place in my heart. This doesn't sound very bad so far.

• 47:20Speaker 04

  Oh, just wait.

• 47:21Caleb Hammer?

  Okay, I'm just saying, you made it sound like he was shitting on you the whole time.

• 47:24Speaker 04

  Oh, just wait. After that, it's just shit, shit, shit, shit.

• 47:26Caleb Hammer?

  I just couldn't take the way things were any longer. I'm going to tell you the things that I see cause this breakup. It's not to put you down, but to give you some clarity. And this was like, he broke up via this letter?

• 47:43Speaker 04

  No, he, we argued because I asked, I was like, why are you being so weird? Like, are you cheating on me? Is there someone else?

• 47:49Caleb Hammer?

  Okay, how many days after was this letter?

• 47:52Speaker 03

  Two.

• 47:52Speaker 04

  Two?

• 47:52Caleb Hammer?

  Okay.

• 47:54Speaker 04

  He said.

• 47:55Speaker 03

  She was still getting some stuff out of my house.

• 47:56Speaker 04

  You didn't even say anything to me. You just said, I think we should break up.

• 47:59Caleb Hammer?

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

• 48:39Caleb Hammer?

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

• 49:23Caleb Hammer?

  that your tub comes with my face on it. All you need to do is head to gamersubs.gg/kaleb or click the link in the description below.

• 49:32Caleb Hammer?

  The situation did more damage than you thought. Well, yeah, you literally cheated. Not a mistake. You cheated.

• 49:39Speaker 04

  I know I fucked up.

• 49:40Caleb Hammer?

  You didn't fuck up. You cheated. Let's use the word. You cheated on him.

• 49:44Speaker 04

  I don't like that.

• 49:45Caleb Hammer?

  What? I don't care. It's what you did. What all did you send to him? Be honest now.

• 49:49Speaker 04

  Nudes. That's it.

• 49:50Caleb Hammer?

  What? How extensive?

• 49:52Speaker 04

  Maybe a week or two.

• 49:53Caleb Hammer?

  How extensive were the nudes?

• 49:55Speaker 04

  Not, not the extent that I sent to him.

• 49:58Caleb Hammer?

  What all did he see?

• 49:59Speaker 04

  Maybe tits and ass, but not anything else.

• 50:03Caleb Hammer?

  Doubt. Well, contact. I believe, I believe you when you say you were sorry and wanted to do better. Yet your intentions said differently every time I went through your phone. And I'd find something that upset me, that upset me would upset you. Huh?

• 50:23Speaker 03

  It would upset her if she found it in my phone.

• 50:25Caleb Hammer?

  Oh, okay. I believe you didn't confront me about the messages on my phone because you had to clean yours up first. I'm not sure why I wasn't enough. You had to seek attention from the opposite sex.

• 50:42Caleb Hammer?

  Interesting writing.

• 50:43Speaker 03

  Yeah, I'm not very good.

• 50:44Caleb Hammer?

  Is that the Dallas Public Schools?

• 50:45Speaker 03

  Yeah.

• 50:46Caleb Hammer?

  Okay. Wasn't the only one.

• 50:51Caleb Hammer?

  AKA.

• 50:54Caleb Hammer?

  That's a lot of men, and I saw a lot of men. That's not unfair. Comment on those?

• 50:59Speaker 04

  It's not unfair, but I didn't talk to them.

• 51:04Speaker 04

  Didn't talk to them in a sexual manner while we were in.

• 51:06Caleb Hammer?

  All those chats had titty photos in them.

• 51:08Speaker 03

  Yeah.

• 51:10Speaker 04

  Yeah, but.

• 51:11Speaker 03

  I'm just supposed to leave and cut it off?

• 51:12Speaker 04

  Wait, but like if it's a shirtless pic, is that not the same thing as a titty pic?

• 51:16Caleb Hammer?

  No!

• 51:18Speaker 03

  My kid was in the picture.

• 51:19Speaker 04

  What?

• 51:20Speaker 03

  I wasn't sending it to be sexual.

• 51:21Speaker 04

  I can show you the picture.

• 51:22Caleb Hammer?

  How is a men's shirtless pic the same as a woman showing titty?

• 51:26Speaker 04

  It was wearing a sports bra.

• 51:28Caleb Hammer?

  It was lifted. You, as we all know, have no tits and you were lifting those things for them.

• 51:33Speaker 03

  My kid's in that picture too.

• 51:34Speaker 04

  That was an old picture. That was when I had postpartum and they were full of milk.

• 51:38Caleb Hammer?

  The ones from as soon, as recent as nine months ago that I pulled up.

• 51:42Speaker 04

  Yeah.

• 51:43Caleb Hammer?

  With lifted tits. When you guys were together!

• 51:46Speaker 04

  I'll show you.

• 51:48Caleb Hammer?

  Oh my. What are you showing me?

• 51:50Speaker 03

  The picture that I sent to the girl wishing her happy Father's Day.

• 51:53Caleb Hammer?

  Okay, yeah, I've seen your tits about a thousand times. Let's see his.

• 51:58Caleb Hammer?

  Unfortunately, I also saw him coming, but you know, the things I see on people's phones on this show are crazy.

• 52:05Caleb Hammer?

  Okay, do I really need to see a man shirtless photo? Is this really that controversial?

• 52:09Speaker 04

  It's just, it's not like.

• 52:12Caleb Hammer?

  Did you screenshot it or what?

• 52:13Speaker 04

  I said it.

• 52:16Speaker 00

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

• 52:40Caleb Hammer?

  Keep looking. I'm gonna keep reading. I'm sure you did. Um, like. It seems like every time one went away and other one showed up. That's fair. That's fair.

• 52:53Speaker 04

  That isn't in a sexual manner though. Like I can't talk to guys and it not be sexual?

• 52:58Speaker 03

  Not when your boyfriends worry about trust issues. No.

• 53:00Caleb Hammer?

  Not when you've previously sent them titty. If it was friends that you weren't previously sending titty, like come on. I know some of them you had sex with in high school. Devon showed me, told me.

• 53:11Speaker 04

  Yeah.

• 53:11Caleb Hammer?

  Some of them you've previously.

• 53:13Speaker 04

  That was almost 10 years ago.

• 53:15Caleb Hammer?

  Yeah, you think I want my girl talking to people she's previously?

• 53:18Speaker 04

  We've had, we've been friends ever since. Like it's just like, it's not like that.

• 53:22Caleb Hammer?

  Boys, let me know in the comments, because I don't know. Women, let me know in the comments. The majority of you that watch this are women, so tell me. Across all platforms. Uh, the next thing was how you handled the 4th of July.

• 53:34Speaker 04

  But you have it.

• 53:35Speaker 03

  I don't have it on my phone anymore. I deleted it.

• 53:37Caleb Hammer?

  I bet if you just lifted up the shirt, I would see exactly what was shown.

• 53:40Speaker 03

  On camera, it's not.

• 53:41Caleb Hammer?

  And that's it. We would all see it at the beach. We wouldn't all see you lifting your tits for everyone.

• 53:47Speaker 04

  Bro, I will show you a picture of me when I was pregnant or after.

• 53:50Caleb Hammer?

  No, I'm talking about nine, were you pregnant nine months ago?

• 53:52Speaker 03

  And it's the fact that you're sending it to guys.

• 53:54Speaker 04

  Nine months ago.

• 53:55Caleb Hammer?

  Doesn't matter. You were still lifting.

• 53:57Speaker 04

  I swear I lifted, I swear.

• 53:59Caleb Hammer?

  Fine, pause. If you're sending a photo with your face, it's this. If you're sending a photo with your face and tits, it's this. You were doing this.

• 54:04Speaker 04

  Like this. I'm short.

• 54:07Caleb Hammer?

  You are so broken. The next thing was how you handled the 4th of July. It broke me that you'd think I was being incestuous with my sister. Yeah, that is crazy. Like I think what he did was weird. I don't think he literally wants to fuck his sister.

• 54:21Speaker 04

  I didn't say he wanted to.

• 54:22Caleb Hammer?

  You were insinuating incest.

• 54:24Speaker 04

  I wasn't. I said, is there?

• 54:25Caleb Hammer?

  In the conversations with him.

• 54:26Speaker 04

  I said, is there any other thing I should know? Is there anything else I should know? Like is that just?

• 54:32Caleb Hammer?

  Is that not insinuating?

• 54:33Speaker 03

  That's how I took it.

• 54:34Speaker 04

  That's how you took it. That, I'm just asking.

• 54:36Caleb Hammer?

  What? Oh, you're. Okay. I wasn't okay and you never let it go. You never let it go?

• 54:44Speaker 04

  No, I, well, he asked me to not talk about it. I never brought it up. He brought it up multiple times afterwards.

• 54:49Caleb Hammer?

  Fact check.

• 54:50Speaker 03

  She didn't let it go the whole time we were arguing about it for days on end.

• 54:53Speaker 04

  Three days.

• 54:54Speaker 03

  After, after we finally stopped talking about it. After we finally stopped talking about it.

• 54:57Speaker 04

  Multiple times afterwards.

• 54:59Speaker 03

  It didn't get brought up for those six weeks between when it happened and us breaking up. So I'd say, you know, five of those weeks she didn't talk about it.

• 55:07Speaker 04

  No, when you asked me to stop, I stopped.

• 55:10Caleb Hammer?

  And isn't it a little weird that the day you guys broke up, she immediately had another man come over that next day to help her move out?

• 55:16Speaker 03

  I feel like it is.

• 55:17Speaker 04

  It was my coworker.

• 55:19Caleb Hammer?

  We know what you've done with your coworkers.

• 55:22Speaker 04

  Yeah, bro. Look at this text message.

• 55:25Caleb Hammer?

  Just add it all up.

• 55:28Speaker 04

  I can't have a guy.

• 55:29Caleb Hammer?

  He was all up in your space.

• 55:31Speaker 04

  I don't have a truck.

• 55:32Caleb Hammer?

  Another coworker with what you were doing? Come on.

• 55:34Speaker 03

  I told you that the last girl that I had lived with me did something similar and I did not want it to go down the same exact way. My kid's mom, when she split, she wiped out all the shit in the house and had a bunch of dudes load everything up.

• 55:44Speaker 04

  That's the guy who.

• 55:44Speaker 03

  When I saw on the cameras that there's some guy helping you load everything up, how am I supposed to take it?

• 55:48Speaker 04

  And that's because I need, I lost.

• 55:50Caleb Hammer?

  And what was the previous conversation?

• 55:52Speaker 04

  There is no previous conversation. I've only seen him at work because.

• 55:56Caleb Hammer?

  I'm just saying, listen, I don't think you.

• 55:58Speaker 04

  He's a regular. He's not even like.

• 56:00Caleb Hammer?

  I don't think you and the guy ever did anything. I'm just saying, look how it stacks up with everything else to him.

• 56:07Speaker 04

  I don't have a truck, so I just needed help.

• 56:09Caleb Hammer?

  Rent something. $40.

• 56:11Speaker 04

  Uh, I'm on a finance show to save my finances and save.

• 56:16Caleb Hammer?

  Yes, a finance show.

• 56:18Speaker 04

  Yeah.

• 56:19Caleb Hammer?

  Never let it go and completely owned up to your part. Even Saturday night, you almost brought it up again. Okay, well, almost isn't that bad. Again, the purpose of this.

• 56:33Speaker 03

  Letter, maybe?

• 56:34Caleb Hammer?

  No, it's a B.

• 56:37Speaker 04

  Aggressive.

• 56:37Caleb Hammer?

  To put you down is to show you how much I cared and loved you even after everything. From the day I met you, I was nothing but loyal. I did everything for you. I was

• 56:54Caleb Hammer?

  unbearable around you and let you into my life? What up? I'm Jared. I'm 19 and I never fucking learned how to read.

• 57:03Speaker 04

  It's still.

• 57:04Caleb Hammer?

  All I wanted was for you to be loyal in return. Yeah, that's not that crazy. So crazy.

• 57:11Speaker 04

  I wasn't talking to those guys.

• 57:12Caleb Hammer?

  Were you guys exclusive or open?

• 57:13Speaker 03

  They're exclusive.

• 57:14Caleb Hammer?

  Well, there you go. I want to circle back to the first, to the fast. You didn't confront me about the messages. It's not hard to put two and two together. You constantly, you constantly taking your iPad where I did the opposite. What?

• 57:34Speaker 03

  She, like, you know, when you have an iPad, your messages will go to it?

• 57:38Caleb Hammer?

  Yeah.

• 57:38Speaker 03

  Okay, well, she would constantly take hers. I purposely set my iMessages back up on my iPad and would leave it there every day because I had nothing to hide from her.

• 57:45Speaker 04

  Really? Because you turned the messages off on July 1st and there's no other messages going through?

• 57:49Speaker 03

  No, they were off before because my son used to use the iPad, so I didn't want him seeing your tits pop up on it whenever something did come through. And then I put it back on there purposely because I started noticing that you constantly took yours. So I wanted to show you like, hey, there's nothing for me to hide. Maybe he'll pick up some same habits.

• 58:03Speaker 04

  I didn't look through his iPad until a week later after he looked through mine and I found a whole bunch of shit.

• 58:09Caleb Hammer?

  Like what?

• 58:10Speaker 04

  The text message to your sister and the.

• 58:13Caleb Hammer?

  What did he say to his sister?

• 58:14Speaker 03

  Talking about a coffee shop that we wanted to.

• 58:16Speaker 04

  My, my.

• 58:17Speaker 03

  Also wanted to have.

• 58:18Speaker 04

  My dream. I told them about it.

• 58:20Speaker 03

  Similar idea. They're around the same age.

• 58:22Speaker 04

  No, we're not. She's.

• 58:24Speaker 03

  She's a year older than you. You're similar in age and she's had that same idea for years. I've told you that. We had a conversation about it, that you and.

• 58:32Speaker 04

  Gaslight. Honestly, let me see the text message to her. Because like, where was it?

• 58:37Speaker 03

  If you want to see it, I will gladly show you.

• 58:39Speaker 04

  Involved in this text message.

• 58:40Speaker 03

  He wants to get through the letter, so.

• 58:41Speaker 04

  Sorry. You can continue the letter. Then we can talk about this.

• 58:46Caleb Hammer?

  Suck.

• 58:48Caleb Hammer?

  Oh, it's not hard to put two and two, yeah, yeah, yeah. Okay. Back on it would leave it at home, the iPad. It was petty of me to message.

• 59:03Caleb Hammer?

  I can admit that, but I knew you wouldn't like him and I was trying to prove a point. Back to the fore- yeah, you guys are passive and you guys just hit each other back and forth with like emotional gut punches. I caused problems with my family the day, the only ones that always have my back by choosing to try to make it work with you. Huh? You had to cause damage to your family to make it work with her?

• 59:27Speaker 03

  Yeah, my sister are barely talking.

• 59:29Caleb Hammer?

  Why? Because of her?

• 59:30Speaker 03

  My sister did not want me dating her.

• 59:32Speaker 04

  She cussed me out and said I was a terrible person.

• 59:34Speaker 03

  Because she said that the fact that she could try to insinuate I was being inappropriate with my sister is not somebody you want to date.

• 59:38Caleb Hammer?

  That is kinda crazy. I'm sorry, that is crazy.

• 59:40Speaker 04

  I just asked her if it was okay.

• 59:42Speaker 03

  No, you were trying to take the, the, everybody's off of you.

• 59:45Speaker 04

  You think that.

• 59:46Speaker 03

  All of it was on you at that time and that you were trying to spend something, you and your sister came up with this little plot to spin it around and put it back on me.

• 59:52Speaker 04

  Didn't slap her ass? You think that was a plot? I, I made you slap her ass?

• 59:57Caleb Hammer?

  No, it's, it was weird, but come on, you're insinuating that like she's like damaged or that he's sticking it in, like what are we doing?

• 1:00:03Speaker 04

  No, I asked her if she's okay with it. I didn't say that. I just said, are you okay with that?

• 1:00:08Caleb Hammer?

  Why do you even have to ask that though? Like let her live her life. Like what the, why are you trying to victim, victimize her?

• 1:00:14Speaker 04

  I was just so confused. Like why? Like, cause he changed his, he changed his story three times to me. And like, it was a joke. She looked like you. I thought it was you.

• 1:00:25Speaker 03

  What?

• 1:00:25Speaker 04

  Yeah, he, he told me, I thought it was you. And I was like, what?

• 1:00:28Caleb Hammer?

  Why are you changing your story dude?

• 1:00:29Speaker 03

  Because I was annoyed, I even had a thing, it literally went out my head the second it happened and so when she was confronting me.

• 1:00:35Speaker 04

  Gaslighting me.

• 1:00:36Caleb Hammer?

  This is weird, man.

• 1:00:37Speaker 04

  No, he was seriously gaslighting me, trying to make it seem like, oh, I didn't do nothing wrong.

• 1:00:42Caleb Hammer?

  By choosing to make it work with you and what you, and you do nothing. One test to my mom, one text maybe?

• 1:00:49Speaker 04

  Yeah.

• 1:00:50Caleb Hammer?

  To my mom was nice, but you couldn't completely, I feel like you're just like rage writing by the end of this.

• 1:00:56Speaker 03

  Yeah, I was.

• 1:00:57Speaker 04

  Yeah, he got upset then.

• 1:00:58Caleb Hammer?

  Own up to your part with me or with them. I know your life is, was in crazy spot, okay. But it felt like you put me on the back burner, just like you did with the situation. Did you put him on the back burner? Good.

• 1:01:14Speaker 04

  Did I? Cause I, I literally was cleaning the house every single day. Every time a dish would go in the sink.

• 1:01:20Speaker 03

  That's normal shit that adults do. You don't, that's not like some A+ thing. Oh, good job, you cleaned the house.

• 1:01:25Speaker 04

  And then you would complain to me about not putting them in the washer, in the dishwasher. You would do that. You would put the dishes in the sink and then you'd complain that I'm not doing the dishes enough.

• 1:01:34Speaker 03

  You also only worked 20 hours a week when I worked 40 plus. And so if you have to do more dishes than I do, it shouldn't be a big deal.

• 1:01:39Speaker 04

  I don't take care of the kids in the morning?

• 1:01:41Caleb Hammer?

  Instead of constant reassurance, you say what I want to hear. I go back to the same behavior. No, and go back to the same behavior. For sure, as you're reading this, you're just getting upset and misinterpreting it. Again, those aren't my intentions and not as good with my words or writing. I have major.

• 1:02:07Speaker 04

  Boy brain.

• 1:02:07Caleb Hammer?

  Oh, shut the up. Don't be a, you've been, you're just, educate yourself. Take a writing class.

• 1:02:14Speaker 03

  I don't need writing.

• 1:02:15Caleb Hammer?

  I'm sorry. Yeah, clearly you do though. I am sorry with how things ended. It's not how I wanted them to go. You arbitrarily leaving? Abr- abruptly leaving and just causing a scene with no communication is the, what do you mean?

• 1:02:37Speaker 03

  I told her that she could stay until the beginning of September because I knew that she didn't just have anywhere to go.

• 1:02:42Speaker 04

  And then took the car from me because I was borrowing his car. So I wouldn't have a car to move all my stuff out.

• 1:02:49Caleb Hammer?

  And you caused the scene?

• 1:02:50Speaker 04

  No, I moved all my stuff out in two days.

• 1:02:52Caleb Hammer?

  Oh, the guy?

• 1:02:53Speaker 03

  Yeah, with the guy. And then I showed up at the house and slammed the, the door in the guy's face and said, stay the out of my house.

• 1:02:59Caleb Hammer?

  Why?

• 1:03:00Speaker 03

  Because he wasn't welcome in there.

• 1:03:01Speaker 04

  Cause he was helping me.

• 1:03:02Caleb Hammer?

  He was helping her move.

• 1:03:03Speaker 03

  She could have had a conversation with me about it. Cause the last time that that had happened.

• 1:03:06Speaker 04

  You wanted a conversation with me after our breakup, when you wouldn't even give me at the time of day or a conversation, the last six weeks of our relationship.

• 1:03:13Speaker 03

  I wasn't trying to have a conversation about our relationship, but we could have a conversation about the important things about like how the, how the breakup's gonna go because there's children involved. There, there was a house involved, a car involved.

• 1:03:22Speaker 04

  They'll break up, but like he can't talk to me during the relationship?

• 1:03:25Speaker 03

  The last thing that we did discuss is that you were gonna stay in the upstairs room until you got back on your feet, so.

• 1:03:30Speaker 04

  No, that wasn't. That was your text message saying.

• 1:03:32Speaker 03

  And you said, sure.

• 1:03:35Caleb Hammer?

  Oh, okay.

• 1:03:37Speaker 04

  I'll write this text message to you because it's kind of fucked up.

• 1:03:41Caleb Hammer?

  Okay, very good. Yeah, tell me.

• 1:03:47Speaker 04

  I, uh, Phoebe, I need you out of the house. No later than September 3rd. Realistically, I don't see why you can't be out in a couple of days. You still have your old house to go to. I'll still, I'll need the car back by tomorrow. I expect it to be cleaned out if you're going to continue to stay at the house till the 3rd. There's a few ground rules. You, we will go over. No guests other than your son are allowed. You are also responsible for cleaning up after you and your son. That means keeping your area clean and cleaning up common areas after you use them. If anything seems an issue, let me know and we can discuss them. And I said, my house does not, my house does not have water. Got it though. You want me out ASAP. And then I asked if I could borrow the car till Tuesday and no response.

• 1:04:33Caleb Hammer?

  Could she have borrowed the car?

• 1:04:35Speaker 03

  Yeah, I probably would have ended up letting her borrow it longer if she would have talked to me about it.

• 1:04:39Speaker 04

  Really?

• 1:04:39Caleb Hammer?

  Well, she tried. It sounded like on text. You didn't respond.

• 1:04:42Speaker 03

  Yeah, because then the next thing that happened is she showed up with some guy at the house and was pulling all of her shit out.

• 1:04:46Caleb Hammer?

  And I know, you have a bad experience from that in the past, so I, I, ah, I see both sides. It's, it's difficult.

• 1:04:56Caleb Hammer?

  Guys, what a mess.

• 1:04:58Speaker 04

  Mm-hmm. When we broke up, he said.

• 1:05:01Caleb Hammer?

  Crazy, there's more, sure.

• 1:05:03Speaker 04

  I just wanna break up. I just, uh, what was it?

• 1:05:05Caleb Hammer?

  Well, in the letter, he was like, I hope if you see each other again and the kids will give each other hugs. I love you, praying for you, blah, blah, blah.

• 1:05:12Speaker 04

  Yeah, that was, that was the day after I left his house. When I got all my shit out, but.

• 1:05:17Caleb Hammer?

  How are you, you owe him money?

• 1:05:20Speaker 04

  Yeah.

• 1:05:21Caleb Hammer?

  You don't have a job.

• 1:05:22Speaker 04

  He's also told me that I don't have to owe the money. So it's confusing.

• 1:05:25Caleb Hammer?

  Probably depends on the day, but either way, you don't have a job. How would you pay him back?

• 1:05:32Caleb Hammer?

  Are you gonna have a job?

• 1:05:34Speaker 04

  I started a job on Thursday.

• 1:05:36Caleb Hammer?

  Okay, good. Then that allows us to get into the finances. I can't, I'm gonna do it separately. So I don't know, what do you guys think your individual financial scores are? 0 to 10, 0 being the worst, 10 being the best?

• 1:05:46Speaker 03

  2.7.

• 1:05:48Speaker 04

  Is that for me?

• 1:05:49Speaker 03

  That was mine.

• 1:05:50Speaker 04

  Oh, I think, um, maybe, maybe a one. Honestly, it's pretty bad. I don't make enough money to pay my own bills. It's insane.

• 1:05:58Caleb Hammer?

  If you want your financial score, it is free to get it. It has been much more detailed now. So if you've taken it before, you need to take it again. Take it! It is free. Just takes a few minutes. See where you stand in the world of finances at Calebhammer.com. And if you don't wanna be like a guest who ends up on the show, make sure to download the Dowless Budgeting app. Take the free trial to see if it works for you like it does for the average American. Tens of thousands of monthly active users for a reason, and they all take the annual version because it saves nearly 50% on your money. And you get the physical version of my 30 day meal plan signed by me, mailed directly to you, and the digital version of the cookbook as well. So check that out, guys. Check that out. Dowless.com, Calebhammer.com, all that good stuff. So, yeah, the loan. So why'd you loan her $3,400?

• 1:06:40Speaker 03

  To pay for an attorney because she was going through a divorce?

• 1:06:42Caleb Hammer?

  Jeez. So how early on did you give her money?

• 1:06:46Speaker 03

  Pretty early on.

• 1:06:48Caleb Hammer?

  So you immediately shack with the dude and get money from him?

• 1:06:51Speaker 04

  Yeah.

• 1:06:52Caleb Hammer?

  Come on!

• 1:06:53Speaker 04

  It makes me feel guilty. I hate, I hate using other people's money. I hate asking for help. I hate asking for money. Like that's the least, like, like that's not me. I hate doing that.

• 1:07:03Caleb Hammer?

  Why'd you do it instead of your family or something?

• 1:07:04Speaker 04

  I didn't, I didn't ask him. I asked my family.

• 1:07:07Speaker 03

  No, you, I offered and then you said no. And then you said no, you were gonna ask your family. And then when they said no, then you did ask.

• 1:07:15Speaker 04

  So, he offered though.

• 1:07:17Speaker 03

  Yeah, but I'm just saying, tell the whole thing.

• 1:07:20Caleb Hammer?

  Okay, I mean, is there like?

• 1:07:21Speaker 03

  You also said that you would pay me back and not one penny has been paid back.

• 1:07:24Caleb Hammer?

  Why didn't you pay him back at all? You had a job.

• 1:07:26Speaker 04

  You also told me multiple times that I don't have to pay you back.

• 1:07:28Speaker 03

  I said you didn't have to worry about it right now.

• 1:07:30Speaker 04

  Really? Is that, that's always what you said? Yeah?

• 1:07:34Speaker 03

  Yes.

• 1:07:35Speaker 04

  Really?

• 1:07:37Speaker 04

  Well, I was, I'm planning on paying it back at some point, but it just like, I don't have any money like that. I still have to owe my lawyer.

• 1:07:44Caleb Hammer?

  I know you don't now, but you did have a money. You did have a job.

• 1:07:46Speaker 04

  Yeah.

• 1:07:47Caleb Hammer?

  And you just quit it to move to Houston.

• 1:07:48Speaker 03

  You went to Alaska and spent 2,500 bucks. You could have chipped in.

• 1:07:50Speaker 04

  I did not spend 2,500 dollars.

• 1:07:54Speaker 00

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

• 1:08:19Caleb Hammer?

  When you guys broke up, why'd you immediately abandon and go to Houston instead of trying to make something work there?

• 1:08:23Speaker 04

  Cause if not, I wouldn't have a car.

• 1:08:25Caleb Hammer?

  Why were you in Dallas in the first place?

• 1:08:28Speaker 04

  Cause my ex.

• 1:08:29Caleb Hammer?

  He was in Dallas?

• 1:08:30Speaker 04

  Yeah.

• 1:08:31Caleb Hammer?

  Okay. So, yeah. Okay, so it was to get to your sister?

• 1:08:35Speaker 04

  Yeah. Cause I.

• 1:08:37Caleb Hammer?

  Okay. I mean, that's fair. I understand that. I do understand that. Once you get a job, is there an agreed upon minimum monthly payment? For this? Or what the is our plan with this, guys? Cause whether or not you guys are together, this immediately intertwines y'all.

• 1:08:50Speaker 04

  He's never said anything like that.

• 1:08:53Caleb Hammer?

  What do we think?

• 1:08:54Speaker 03

  I would like to be paid back. It's 3,400 bucks. Yeah.

• 1:08:57Caleb Hammer?

  Yeah. How'd you have this money? Where'd you pull it from?

• 1:09:01Speaker 03

  Uh, I think I put part of it on a credit card and the rest I paid cash.

• 1:09:05Caleb Hammer?

  Okay. Yeah, I mean, it's complicated. It's complicated. Okay, you. Now, instead of paying him back, what I have here is Klarna.

• 1:09:14Speaker 04

  Yeah.

• 1:09:15Caleb Hammer?

  She was paying you back. Yeah, but you're making the payment. No, it's not.

• 1:09:19Speaker 04

  It was April.

• 1:09:22Speaker 03

  I gave you the money in like November or December.

• 1:09:24Caleb Hammer?

  Yeah, where were you getting sheen, sheen, sheen, sheen? Pull up your Klarna right now.

• 1:09:29Speaker 04

  Oh, I don't have any more.

• 1:09:31Caleb Hammer?

  Okay.

• 1:09:31Speaker 04

  I got, that was the only time I've ever used Klarna.

• 1:09:34Caleb Hammer?

  I'll take it off then. I'll take it off.

• 1:09:35Speaker 04

  Okay.

• 1:09:36Caleb Hammer?

  Let me see your sheen.

• 1:09:37Speaker 04

  Oh.

• 1:09:39Caleb Hammer?

  Yeah, there we go.

• 1:09:40Speaker 04

  It's, it's a lot of window shopping. I don't buy anything. I haven't bought anything in so long. I haven't bought anything in so long.

• 1:09:47Caleb Hammer?

  Well, let's see. We'll prove it.

• 1:09:49Speaker 04

  Yeah.

• 1:09:51Caleb Hammer?

  Okay, well, there's over an, over a hundred things in your cart, to be clear.

• 1:09:55Speaker 04

  Window shopping.

• 1:09:56Caleb Hammer?

  Uh huh.

• 1:09:57Speaker 04

  Makes me feel good, just window shopping sometimes.

• 1:10:01Caleb Hammer?

  Oh, I don't even know how to use this, uh...

• 1:10:04Speaker 04

  I can go to my purchase list.

• 1:10:07Caleb Hammer?

  Yeah, go to your purchase list, because I don't even know how to get there. What a crazy app, dude.

• 1:10:11Speaker 04

  Yeah, it's a lot to like, look at. That's why I haven't done anything.

• 1:10:16Caleb Hammer?

  Okay, well, you're purchasing on a credit card instead of paying him back $436.61. You purchased $752.90 on this. You have a minimum monthly payment of $15. This is your Global Credit Union Visa.

• 1:10:30Speaker 04

  Yeah.

• 1:10:30Caleb Hammer?

  And there you go. See, something just shipped. She bought a MILF.

• 1:10:32Speaker 04

  No, no, look at the date. Come on.

• 1:10:34Speaker 03

  She bought that when we were together?

• 1:10:35Speaker 04

  Yeah, about that, like, six months ago.

• 1:10:38Caleb Hammer?

  Instead of paying him back. And there's a lot of other purchases, of course, but yes, you haven't purchased in a while on there.

• 1:10:43Speaker 04

  Mm-hmm.

• 1:10:43Caleb Hammer?

  Let me see your Amazon.

• 1:10:45Speaker 04

  Oh, yeah, I haven't purchased Amazon in a minute. I won't let myself buy online anymore right now.

• 1:10:53Caleb Hammer?

  Well, I don't need to see your Amazon then, but what you did do is spend $752 on here.

• 1:10:57Speaker 04

  Yeah, I, I like to put a lot on my credit card.

• 1:11:00Caleb Hammer?

  There it is, and that's what it is, and yeah, but you're...

• 1:11:02Speaker 04

  But I have a limit.

• 1:11:03Caleb Hammer?

  Yeah, but here's the thing, yes, you have a limit.

• 1:11:05Speaker 04

  Yeah.

• 1:11:05Caleb Hammer?

  But the thing is, this is money you spent on here that you have to pay off that should be going to him. Because you spent $752 that could have gone to him for the...

• 1:11:13Speaker 04

  Well, some of them is...

• 1:11:14Caleb Hammer?

  For the $3,400 that you owe him. And what are we doing? We're Ubering. That's not the end of the world. Maybe we're drinking or something. But then Spotify, then getting ice cream, then going to the bar and club, probably flirting with men, sucking on their dick in the bathroom. McDonald's, Sally Beauty, a brewery. Shut up!

• 1:11:31Speaker 04

  That's while I was in Alaska.

• 1:11:32Speaker 03

  Doesn't matter.

• 1:11:33Caleb Hammer?

  Doesn't matter. That is money that was supposed to go to him.

• 1:11:35Speaker 03

  Give me any of it.

• 1:11:37Caleb Hammer?

  If you're with your family, they could have done it. If you wanted to go out and do fun, they can pay for it. You weren't on vacation. You were introducing your kid.

• 1:11:43Speaker 04

  Yeah.

• 1:11:45Caleb Hammer?

  Interest is accruing. You're not paying off every month. Interest is accrued this year.

• 1:11:48Speaker 04

  Okay.

• 1:11:49Caleb Hammer?

  So shut up with the I pay off every month. Shut up!

• 1:11:52Speaker 04

  I haven't paid it off in a minute.

• 1:11:54Caleb Hammer?

  Exactly, and it's 15 bucks a month.

• 1:11:56Speaker 04

  I do pay 15 bucks a month, at least. I know, but it's not always true.

• 1:12:01Caleb Hammer?

  Shut up! Who has apartment collections of $790?

• 1:12:06Speaker 04

  Me.

• 1:12:07Caleb Hammer?

  And what's going on?

• 1:12:09Speaker 04

  Um, I was going to get an apartment and then I couldn't afford it, and...

• 1:12:13Caleb Hammer?

  Well, but how the... Oh, well, what happened? When?

• 1:12:15Speaker 04

  That was the pullout of not going into that apartment. July?

• 1:12:21Speaker 03

  No, it was more like May, because you moved in before you went to Alaska. You went to Alaska in June.

• 1:12:26Caleb Hammer?

  Well, so you tried to get an apartment, you got kicked out and moved in with him?

• 1:12:29Speaker 03

  She got approved for the apartment, but then she wanted to spend more money in Alaska, so instead she wouldn't have enough money for the down payment to move in. Like, she got approved, everything was set, but she had to pay a certain amount to move in, I think the $790 or whatever it was. And instead, she went to Alaska and spent the money there. So she didn't have enough money, so she moved in with me.

• 1:12:46Speaker 04

  I spent way too much money in Alaska.

• 1:12:49Speaker 04

  It was bad.

• 1:12:51Caleb Hammer?

  $790. Okay. Solar, who has solar? Who has solar for what? You guys rent?

• 1:12:58Speaker 03

  No, I own my, I own a house.

• 1:12:59Speaker 04

  So my house...

• 1:13:00Speaker 03

  That's with our ex.

• 1:13:01Speaker 04

  Uh, that's my, me and my ex's. Yeah, it's still in my name, which we owe $37,000 on the solar.

• 1:13:08Caleb Hammer?

  Yeah, 37,000.

• 1:13:10Speaker 04

  Yeah.

• 1:13:10Caleb Hammer?

  Who's paying?

• 1:13:11Speaker 04

  He's supposed to be paying it.

• 1:13:12Caleb Hammer?

  Is he paying it?

• 1:13:13Speaker 04

  No, he is not. The house is about to be on foreclosure.

• 1:13:17Caleb Hammer?

  Well, the whole house? Not just the solar?

• 1:13:19Speaker 04

  The whole fucking house.

• 1:13:20Caleb Hammer?

  This is gonna destroy your credit.

• 1:13:22Speaker 04

  Yeah.

• 1:13:22Caleb Hammer?

  Where's the house?

• 1:13:23Speaker 04

  I only have...

• 1:13:23Caleb Hammer?

  Where's the house?

• 1:13:24Speaker 03

  Dallas.

• 1:13:25Speaker 04

  Dallas.

• 1:13:25Caleb Hammer?

  Where's the month, what's the monthly?

• 1:13:27Speaker 04

  27 now.

• 1:13:29Caleb Hammer?

  Why don't you try to get a good career and try to take this back over and move in?

• 1:13:32Speaker 04

  Because to take it over, it would be $12,000, because he hasn't paid rent.

• 1:13:36Caleb Hammer?

  But if you call, say, "Hey, I'm gonna take it over, maybe put it at the end of the mortgage," they might do that. I just launched the brand-new Hammer Elite app, available on every major platform. So you can watch every show anywhere you want. You'll get three exclusive dedicated shows every single day, Monday through Saturday. Refer a friend after you sign up, and you get an additional 30 days of Hammer Elite access for free. Download the Hammer Elite app by using the link in the description or pin comment down below. This is the best membership you'll ever join, and that's a promise. Guys, just real quick, don't forget to take your Hammer financial score at CalebHammer.com. See where you stand, where you gotta do better, where you're doing shit. Listen, it just takes a few minutes and it is free. Figure out where you stand in the world of money. CalebHammer.com.

• 1:14:19Speaker 03

  He got like a VA loan.

• 1:14:21Speaker 04

  Yeah.

• 1:14:21Speaker 03

  So it's all in there.

• 1:14:22Caleb Hammer?

  Still, you're on it, though.

• 1:14:23Speaker 04

  I'd have to refinance.

• 1:14:24Caleb Hammer?

  No, I'm saying you call and you're like, I'm not, not, I'm gonna take it over and refinance, I'm sorry. I'm gonna catch up on this, but I need a little help as a single mother.

• 1:14:31Speaker 04

  $12,000?

• 1:14:32Caleb Hammer?

  I know, and maybe they'll put it at the end of the loan.

• 1:14:36Speaker 04

  Okay, he's already put the house in forbearance and now it's in default. So how is that supposed to work?

• 1:14:41Caleb Hammer?

  I don't know, but if you don't call, nothing's gonna happen. But either way, it's not like you have a job to pay for it anyway.

• 1:14:45Speaker 04

  Yeah.

• 1:14:46Caleb Hammer?

  So I was saying, maybe you get a job and try to make it work, but you're not willing to do anything.

• 1:14:55Caleb Hammer?

  Okay.

• 1:14:56Speaker 04

  I've applied for a lot of jobs. It's just, um, I don't have a degree in anything, in everything. Every, everybody everywhere wants a degree in something nowadays.

• 1:15:06Caleb Hammer?

  I mean, kind of. I mean, it's a tighter labor market for, for new applicants, yes. So... You just gotta work. I'll give you a course career certification, trades.

• 1:15:17Speaker 04

  Yeah.

• 1:15:17Caleb Hammer?

  Uh, tech, accounting, there's a lot of things. People in the audience, take their course career certification all the time and get six-figure jobs constantly in all those fields, okay?

• 1:15:27Speaker 04

  Well, you was making fun of me the other day when I was trying to teach myself, uh, like...

• 1:15:34Speaker 04

  Data entry and like...

• 1:15:35Caleb Hammer?

  Are you teaching yourself or taking a certification?

• 1:15:37Speaker 04

  I was learning all...

• 1:15:38Caleb Hammer?

  No, shut the fuck up. You need to get something...

• 1:15:40Speaker 03

  It's time that AI is gonna end up taking in the next few years.

• 1:15:42Caleb Hammer?

  Well, potentially, but the, the thing is, um, um, probably more likely if it's data entry, but the thing is, get something that goes on your resume. Don't just teach yourself something. You, you, you're struggling with resume right now, more than anything.

• 1:15:57Caleb Hammer?

  You're probably applying for government assistance, aren't you? Yeah, of course you are. Which ones?

• 1:16:01Speaker 04

  Um, I, my son needs insurance. That's the one I've been working on the most.

• 1:16:07Caleb Hammer?

  Food stamps and that stuff, too?

• 1:16:09Speaker 04

  Probably, whatever, works, whatever I can get.

• 1:16:11Caleb Hammer?

  Have you applied?

• 1:16:12Speaker 04

  I, I did, yeah.

• 1:16:13Caleb Hammer?

  Okay, that's what I was asking.

• 1:16:14Speaker 04

  Yes. Applied for all of it.

• 1:16:17Caleb Hammer?

  Okay, you?

• 1:16:18Speaker 04

  That's, uh, also part of the house. It's a water soft...

• 1:16:24Speaker 04

  I was pregnant and this man signed up for every little knock on the door. Every single person I knocked on the door.

• 1:16:30Caleb Hammer?

  Did you say, "Stop"?

• 1:16:31Speaker 04

  No, I was pregnant and brain fog. I was literally like, doot, doot, doot, doot, dumb. Like, literally.

• 1:16:36Caleb Hammer?

  Okay, I understand that a little bit of brain fog certainly comes with pregnancy. You can't say that all of a sudden, literally, you can't consent to anything as a pregnant woman.

• 1:16:44Speaker 04

  I'm, I'm just saying, like, I...

• 1:16:46Caleb Hammer?

  You are unable to consent to anything in this world as a pregnant woman.

• 1:16:49Speaker 04

  That's what I was saying.

• 1:16:49Speaker 03

  Consent is a nudes of people.

• 1:16:50Caleb Hammer?

  You co-signed.

• 1:16:51Speaker 04

  He made me sign this. Here, come over here and sign this. That's pretty much what he told me.

• 1:16:55Caleb Hammer?

  Okay, I'm sorry. Hey, here's the news. If you're pregnant, you literally cannot consent to anything. According to her, you can't consent. Everything in the world is a if you're pregnant.

• 1:17:07Speaker 04

  I also signed up for a car, being a co-signer on my sister's car.

• 1:17:10Caleb Hammer?

  That's still you!

• 1:17:11Speaker 04

  Yeah, I was dumb.

• 1:17:13Caleb Hammer?

  That's not you being pregnant.

• 1:17:14Speaker 04

  It was dumb, dumb, pregnant brain.

• 1:17:17Caleb Hammer?

  Everything to that. Can she give everything to that?

• 1:17:19Speaker 03

  Definitely not.

• 1:17:19Caleb Hammer?

  No, shut the fuck up!

• 1:17:25Caleb Hammer?

  Okay, so $6,553.58 is going to this. I don't, uh, payment due, looks like he made a payment recently.

• 1:17:33Speaker 04

  That's, yeah, he's supposed...

• 1:17:34Caleb Hammer?

  $177? So he's paying that?

• 1:17:36Speaker 04

  Yeah.

• 1:17:37Caleb Hammer?

  Well, why is he paying this and not his mortgage?

• 1:17:39Speaker 04

  Good question.

• 1:17:40Caleb Hammer?

  Okay, well, he's obviously stupid.

• 1:17:42Speaker 04

  Mm-hmm.

• 1:17:45Speaker 04

  That's my son's. I had to take him to...

• 1:17:48Caleb Hammer?

  Your son's what?

• 1:17:49Speaker 04

  Uh, medical bill. We had to take him to the ER.

• 1:17:51Caleb Hammer?

  Have you called them to get on a payment plan?

• 1:17:53Speaker 04

  I was gonna talk to them, actually. I got a little message, and I was checking in the car.

• 1:17:57Caleb Hammer?

  Okay, call them, get on a payment plan. You owe $1,530.97.

• 1:18:01Speaker 04

  Yeah, that's supposed to be split between me and my ex.

• 1:18:05Caleb Hammer?

  Oh, we'll see. Okay, here's foreclosure officially.

• 1:18:08Speaker 04

  Yeah. It's pretty much in there.

• 1:18:11Caleb Hammer?

  Unfortunately, the stamp covers the...

• 1:18:14Caleb Hammer?

  Payments and shit.

• 1:18:17Caleb Hammer?

  There we go. Yeah. Well, shit.

• 1:18:21Caleb Hammer?

  Well, I mean, this is gone, right?

• 1:18:22Speaker 04

  Yeah.

• 1:18:22Caleb Hammer?

  Essentially, it's like, not a chance, but 276,000, geez, to give off a less than 5% rate on 276,000. What's that? Uh, give me that solo link if I may, please.

• 1:18:36Caleb Hammer?

  Yeah, the regular was, I mean, yes, it's not great for someone of your zero income, but what were you making? On average?

• 1:18:44Speaker 04

  On average, every two weeks, maybe a thousand bucks.

• 1:18:48Speaker 04

  Like,

• 1:18:49Speaker 03

  But you also only worked 20 hours a week. I kept trying to tell you you needed to work more so then you could bring home closer to 2,000 every two weeks.

• 1:18:55Speaker 04

  So much I can work with my son, having my son at night.

• 1:18:59Caleb Hammer?

  Well, how'd you guys do it with both of your kids?

• 1:19:02Speaker 03

  My kid's in school now, so.

• 1:19:05Speaker 04

  He has his parents to help him. I don't have my family near here.

• 1:19:09Speaker 03

  Yeah, but she only has her son 50% of the time, so.

• 1:19:11Speaker 04

  So the other 50%, I'm working 13 hours a day, which I was doing for three days, four days in a row. And he's still mad at me that I'm not working enough?

• 1:19:22Speaker 03

  Not mad at you for it. I was just trying to tell you, you should try to work more so you can get more money.

• 1:19:27Caleb Hammer?

  Okay, let's see. I mean, if we're able to save this some way, I mean, I know it's only worth 266. Oh, it's way out there. Oh, that's why I was gonna say it's kind of cheap. Oh, never mind. It's not like you'd get anything for anyone. You're underwater regardless. Well, it's Yeah, no, you're done. You're done.

• 1:19:45Speaker 04

  What am I supposed to do with that?

• 1:19:46Caleb Hammer?

  Uh, nothing. You're Um, what's this? What am I looking at here?

• 1:19:51Speaker 04

  That's the car that I signed up with my sister.

• 1:19:54Caleb Hammer?

  Okay, so.

• 1:19:55Speaker 04

  She's pretty much, they

• 1:19:58Caleb Hammer?

  She's gonna get a refund.

• 1:19:59Speaker 04

  Oh, it already did. It got totaled out.

• 1:20:01Caleb Hammer?

  What the?

• 1:20:02Speaker 04

  They owe that much money left.

• 1:20:03Caleb Hammer?

  Okay, well, then I'm not gonna put it down. But what the, this, what a mess.

• 1:20:06Speaker 04

  They owe that much.

• 1:20:07Caleb Hammer?

  Here's your checking account.

• 1:20:08Speaker 04

  Yeah.

• 1:20:11Caleb Hammer?

  Savings has gone down. You're pulling money out. Only 100 in your checking account. Great. Also, instead of paying him back, and we're draining savings.

• 1:20:21Speaker 04

  Will you see how much I pay in daycare, like 90% of my

• 1:20:26Caleb Hammer?

  Bitch, you're pulling out of savings so you can do sweet darlings and bullshit and Bath and Body Works and Burlington and Sally Beauty. You do not get to complain about child support when you spend this much on bullshit.

• 1:20:36Speaker 04

  That was not

• 1:20:37Caleb Hammer?

  If it's making

• 1:20:38Speaker 04

  Not child support.

• 1:20:38Caleb Hammer?

  Shut up. You know what I mean? Childcare. If that is making or breaking you, you're not going and spending money on bullshit. You don't get to complain and then spend all your money, dude. Ice cream, brown jug, bullshit, bullshit, Alaska fur exchange.

• 1:20:53Speaker 04

  That was a lot of stuff I bought him and brought it back up.

• 1:20:55Caleb Hammer?

  I don't, what?

• 1:20:57Speaker 04

  Yeah.

• 1:20:58Caleb Hammer?

  What'd she say?

• 1:20:59Speaker 03

  She said she's trying to blame it that she bought me all that stuff.

• 1:21:01Speaker 04

  I'm not saying that I didn't buy you all that stuff.

• 1:21:03Speaker 03

  She brought me a few things back.

• 1:21:04Speaker 04

  I brought you a whole bunch of stuff back.

• 1:21:06Caleb Hammer?

  Sally Beauty, I'm glad she bought Sally Beauty.

• 1:21:08Speaker 03

  I needed my hair product.

• 1:21:09Speaker 04

  My cousin wanted me to do her hair.

• 1:21:12Caleb Hammer?

  The tattoo you got was for him?

• 1:21:13Speaker 04

  No, that was me.

• 1:21:14Caleb Hammer?

  Oh.

• 1:21:15Speaker 04

  The tattoo, I haven't had a tattoo in like five years. I just really wanted it.

• 1:21:18Caleb Hammer?

  And yet you're sitting here complaining that you can't afford childcare. Shut the up. Women, they prefer tattoos over childcare. You're here.

• 1:21:26Speaker 04

  No, I still make sure my son has childcare.

• 1:21:28Caleb Hammer?

  No, you don't, because you're actually draining from savings. So shut the up. You're going in the negative. Black Rifle Coffee, bullshit, bullshit, bullshit, going into bullshit, bullshit, bullshit, bullshit. I would definitely use a time checking account. Go for it. That's what I personally use. If you use that, you'll at least get a few hundred bucks for free. So use my link to do that. But this is bullshit, bullshit, bullshit, bullshit, bullshit, bullshit. Chipotle, bullshit, Apple Bill, bullshit, bullshit. This is bullshit. Dude, it's so much bullshit. 222 hours going out to eat where you only spent $200, uh, eating groceries, miscellaneous bullshit, and other 132, subscriptions 127, other large purchases 468, unknown shopping 369. You spend a minimum of $500 on bullshit. You cannot complain. You probably spent upwards of a thousand on bullshit. So shut the

• 1:22:12Caleb Hammer?

  No, shut the up on everything.

• 1:22:16Caleb Hammer?

  Okay, you owe more to the law firm, right?

• 1:22:18Speaker 04

  This is my lawyers, yeah.

• 1:22:20Caleb Hammer?

  So I was saying, well, it only says 72.

• 1:22:23Speaker 04

  Yeah, it's higher now because we went to court.

• 1:22:26Caleb Hammer?

  What's he fighting?

• 1:22:27Speaker 04

  My custody battle.

• 1:22:36Caleb Hammer?

  Yeah, we'll move forward. How much you owe the lawyers?

• 1:22:39Speaker 04

  Um, probably around a thousand right now.

• 1:22:42Caleb Hammer?

  Okay.

• 1:22:45Speaker 01

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• 1:23:13Caleb Hammer?

  Okay, you're Robin Hood.

• 1:23:16Speaker 04

  Nothing.

• 1:23:19Speaker 04

  Yeah.

• 1:23:20Caleb Hammer?

  You're Robin Hood, continues to be nothing. Okay, finally, you. Uh, you have a credit card.

• 1:23:26Speaker 03

  Yeah, I have a few of them.

• 1:23:28Caleb Hammer?

  Okay, probably for the house. $2,671.91 on Lowe's. What's your minimum?

• 1:23:33Speaker 03

  Uh, it's on a firm for Lowe's.

• 1:23:34Caleb Hammer?

  Oh, sure the is. Was it paying four? No, paying 24.

• 1:23:39Speaker 03

  There's interest on it.

• 1:23:41Caleb Hammer?

  What's the minimum, dude?

• 1:23:42Speaker 03

  I think it's like 107.

• 1:23:44Caleb Hammer?

  What's this for?

• 1:23:45Speaker 03

  I built a shed in the backyard.

• 1:23:46Caleb Hammer?

  You know that shit's like 34% interest rate?

• 1:23:49Speaker 03

  Yeah.

• 1:23:51Caleb Hammer?

  Okay, you also have a firm.

• 1:23:53Speaker 03

  That's what that, that's what the firm was.

• 1:23:57Caleb Hammer?

  Okay, you have, yeah, this is you. Okay, Venture One, why do you owe $3,467.59?

• 1:24:06Speaker 03

  Probably for tattoos and bullshit.

• 1:24:08Caleb Hammer?

  Oh, my God, you both suck. Yeah, you're spending on this. You're getting interest screwed. You spent 2,547. What a joke. What a joke.

• 1:24:18Caleb Hammer?

  Oh, because you had to build a cat shed?

• 1:24:20Speaker 03

  Yeah, I built a shed for a cat because my son's allergic, so.

• 1:24:23Caleb Hammer?

  Oh, great. Now she doesn't even live there.

• 1:24:25Speaker 03

  Yeah.

• 1:24:26Caleb Hammer?

  What are we, you guys are so Panera Bread, yeah, 2,000, and tattoos, fireworks, and Apple Bill. Fireworks really paid off so you could grope your sister.

• 1:24:40Caleb Hammer?

  What? Do you have Credit One? It's the worst you can get, dude.

• 1:24:43Speaker 03

  I had really up credit before and

• 1:24:45Caleb Hammer?

  Like you do now?

• 1:24:46Speaker 03

  No, I don't now.

• 1:24:47Caleb Hammer?

  What is it now? Because you got some big balances. I don't know.

• 1:24:52Caleb Hammer?

  $475.22, $30 minimum. But yeah, you went inside, got like an energy drink, and you went to Waffle House. Interest fees, this is insane, dude. You have another Credit One.

• 1:25:06Caleb Hammer?

  Me, man.

• 1:25:10Caleb Hammer?

  $829.35, minimum monthly payment 42.

• 1:25:16Caleb Hammer?

  Interest, all the, you poured some Porto de love, Mexican bullshit, and automatic chef. I mean, dude, you guys are just spending so much money on all this food you can't afford. Credit control, is this in collections or what?

• 1:25:30Speaker 03

  Yeah, it's in collections.

• 1:25:31Caleb Hammer?

  You have collections. And your credit's in the 700? That's a mystery how this works.

• 1:25:35Speaker 03

  I don't know how that's falling off yet.

• 1:25:36Caleb Hammer?

  184. Okay, what is this 7.282% interest rate?

• 1:25:41Speaker 03

  What's the balance?

• 1:25:42Caleb Hammer?

  Uh, it's an $893 payment.

• 1:25:45Speaker 03

  That's my truck.

• 1:25:46Caleb Hammer?

  Of course you have a truck.

• 1:25:47Speaker 03

  Yep.

• 1:25:48Caleb Hammer?

  Well, you're an electrician, maybe you actually $893.94. How often do you use it for the electricianship?

• 1:25:57Speaker 03

  Um, enough for make it work in my taxes.

• 1:26:01Caleb Hammer?

  Okay, your contractor?

• 1:26:03Speaker 03

  No, I do side stuff.

• 1:26:05Caleb Hammer?

  448,237.1 cents. 8% truck debt, you classic American. You actually might be the only one to actually use it, though. And it's worth 45, so it's, you're not the worst. But that 830, $893 payment's insane.

• 1:26:22Speaker 04

  Yeah.

• 1:26:24Caleb Hammer?

  Is this another auto loan? No, it's the same one.

• 1:26:27Speaker 03

  There is another one, though.

• 1:26:28Caleb Hammer?

  What? Is it this? It's this one? 6,000?

• 1:26:32Speaker 03

  Yeah.

• 1:26:33Caleb Hammer?

  What's that for?

• 1:26:34Speaker 03

  A little gas saver.

• 1:26:35Caleb Hammer?

  Sell it.

• 1:26:35Speaker 03

  I need to, but I think it might be upside down. That's why I am trying to.

• 1:26:39Caleb Hammer?

  It is. Buy a few hundred, no, it's about like a thousand dollars. Just sell it, get rid of the loan, dude. What is this?

• 1:26:45Speaker 03

  Pay the upside down part and just get rid of it.

• 1:26:47Caleb Hammer?

  It's a thousand dollars. It's one payment for your truck.

• 1:26:50Speaker 03

  Yeah.

• 1:26:52Caleb Hammer?

  It's also like a 10% rate.

• 1:26:54Speaker 03

  Well, and that was a car she was using too when we were together.

• 1:26:56Caleb Hammer?

  Well, are you guys gonna get back together? I'm not seeing it. I think you guys just remain buddies. Have fun and then meet someone that you actually can vibe with. Okay, that's what I would potentially advise. $239 payment, you don't need that, dude. Spend $1,000 and this is gone, instead of $239 for a couple more years.

• 1:27:16Speaker 03

  Yeah.

• 1:27:16Caleb Hammer?

  Like, make the math work. Yeah, exactly. Make the math work, dude. Here's your house. It's on a less than 5% rate again, but you owe $197,410.27 with a minimum monthly payment of

• 1:27:30Speaker 03

  15, 16.

• 1:27:31Caleb Hammer?

  Yep, $1,516.99.

• 1:27:38Caleb Hammer?

  Here's your checking account, zero dollars.

• 1:27:44Caleb Hammer?

  What are you doing? Cafe, McDonald's, Home Depot, Raising Canes, Automatic Chef, Automatic Chef, it's a vending machine.

• 1:27:50Speaker 03

  Oh, yeah.

• 1:27:50Caleb Hammer?

  Vending machine, vending machine, Starbucks, Taco Bell, Cantina and Club, Cantina and Club, bullshit at the gas station, the airport, you swiped and got something there, Amazon, Boot Barn, bullshit, Papa John's, Taco Bell, vending machine, Apple bill, Amazon, Amazon, Cafe, Taco Bell, Cafe, vending machine, get in some bullshit at the gas station? Bullshit! Or not, I don't know, Lowe's, that's hard, uh, Apple Cash Sent, Brewery, Brewery, Ven without Money, Lowe's, Papa John's, Applebee's, Amazon, Spotify, Beer Barn, no shit, you're not paying off your debt. You're going and spending all this money, what? Is that funny?

• 1:28:27Speaker 03

  No.

• 1:28:28Caleb Hammer?

  Your entire life, you have a mortgage, don't end up like her, come on, man! Prime Video, Wendy's, Kohl's, Starbucks, airport, Dollar Tree, you're getting some bullshit, Sonic, Pizzeria, Prime Video, vending machine, you have zero dollars in your checking account, moron.

• 1:28:43Speaker 03

  Yeah, automatically pulls from my savings.

• 1:28:45Caleb Hammer?

  Apple bill, yeah, you're overdraft protecting from savings because you're a pathetic loser who can't control their spending. Bullshit, Cafe, Whataburger.

• 1:28:54Caleb Hammer?

  And that's why your savings is going down slowly but surely because overdraft, overdraft, overdraft, overdraft. So stupid.

• 1:29:01Speaker 04

  What happens if you overdraft?

• 1:29:02Speaker 03

  I owe the IRS like over five grand.

• 1:29:04Caleb Hammer?

  What are we doing? Why are you spending that much on bullshit if you owe the IRS that much money?

• 1:29:08Speaker 03

  Um, I ended up owing that last year because I cashed out a pension.

• 1:29:13Caleb Hammer?

  A thousand dollars going out to eat, but you owe the IRS.

• 1:29:16Speaker 04

  Blame it on me.

• 1:29:18Speaker 03

  She likes to go on dates and go out all the time.

• 1:29:20Speaker 04

  Blame it on me because half of those are going out to lunch.

• 1:29:22Caleb Hammer?

  Bullshit, thousands.

• 1:29:24Speaker 04

  More than half of them, actually. A vending machine?

• 1:29:28Speaker 03

  You like sometimes the vending machines.

• 1:29:29Speaker 04

  I haven't been to a vending machine in so long.

• 1:29:33Caleb Hammer?

  You owe the IRS. Been to a vending machine in so long.

• 1:29:36Speaker 04

  Yeah.

• 1:29:36Caleb Hammer?

  Four thousand nine hundred twenty-eight dollars and forty-nine cents you owe to the IRS. Are you on a monthly payment plan?

• 1:29:42Speaker 03

  Yeah, I just started.

• 1:29:43Caleb Hammer?

  How much?

• 1:29:43Speaker 03

  Sixty bucks a month.

• 1:29:45Caleb Hammer?

  What the fuck? I'll never.

• 1:29:48Speaker 03

  I'm planning on having a refund next year. That one was high because I cashed out a pension to buy my house.

• 1:29:52Caleb Hammer?

  Two forty-four in your return.

• 1:29:59Caleb Hammer?

  Well, the answer of whether or not you guys should get back together is definitely going to be revealed in the post show because we have something insane to tell you in the post show. How do you guys want me to do this?

• 1:30:09Speaker 04

  What is this?

• 1:30:11Speaker 03

  The financial.

• 1:30:12Caleb Hammer?

  Yeah, this like this.

• 1:30:14Speaker 03

  Separate, a hundred percent.

• 1:30:15Speaker 04

  Separate is fine.

• 1:30:16Caleb Hammer?

  Okay, how much comes in?

• 1:30:17Speaker 03

  Seven thirty-two a month and it'll go up when his brother turns eighteen and then more when the other brother turns eighteen. And I'll get it until.

• 1:30:23Caleb Hammer?

  We'll keep it there for now. Let's get your debt minimum payments. Let's start with the dude. Because this is going to be an easier turnaround because he actually makes money because he's not a pathetic fucking freak. Three thousand eleven dollars and twenty-six cents for your minimum monthly payments. What's your gas, electric, utilities, all that?

• 1:30:38Speaker 03

  Uh, utilities, water bill's about one sixty, power is about two hundred. Uh, gas, I spend about three hundred a month on.

• 1:30:47Caleb Hammer?

  Cheers. Uh, internet?

• 1:30:49Speaker 03

  Fifty.

• 1:30:52Caleb Hammer?

  Seven hundred ten dollars, that's crazy. It's just you and the kid now. What's your phone bill?

• 1:30:56Speaker 03

  Ninety.

• 1:30:58Caleb Hammer?

  Okay, vroom, vroom, drive, drive gasoline.

• 1:31:00Speaker 03

  Uh, that was a three hundred. Sorry.

• 1:31:03Caleb Hammer?

  Oh, gas for the house?

• 1:31:05Speaker 03

  No, I don't have, I don't have, uh, gas for the house.

• 1:31:07Caleb Hammer?

  Okay, so we'll subtract that then.

• 1:31:08Speaker 03

  Yeah.

• 1:31:10Caleb Hammer?

  Okay, four ten for utilities.

• 1:31:14Caleb Hammer?

  Car insurance?

• 1:31:15Speaker 03

  Uh, three fifty.

• 1:31:18Caleb Hammer?

  Necessary food, I'll, for you and the kid, I'll do...

• 1:31:21Speaker 03

  I budgeted five hundred.

• 1:31:23Caleb Hammer?

  I'll do five fifty, less going out to eat, use the meal plan, your meal plan, I mean, meal prepping, might be able to go out to eat, let's see though. TP fund, anything else for you and the kids to exist, two hundred dollars, medical health care, you got copays monthly basis?

• 1:31:35Speaker 03

  Yeah, because I switched to a PPO.

• 1:31:37Caleb Hammer?

  How much?

• 1:31:37Speaker 03

  Um, if he's going to the doctor, probably.

• 1:31:41Caleb Hammer?

  Is he or not?

• 1:31:41Speaker 03

  Yeah, sometimes.

• 1:31:42Caleb Hammer?

  Every month?

• 1:31:43Speaker 03

  No.

• 1:31:43Caleb Hammer?

  Okay, then just budget it in, into the TP fund. Anything else you, uh, subscriptions, fifty bucks, you have any pets?

• 1:31:49Speaker 03

  No.

• 1:31:50Caleb Hammer?

  Uh, anything else that you need to survive?

• 1:31:52Speaker 03

  He plays sports too.

• 1:31:53Caleb Hammer?

  That's in the TP fund?

• 1:31:54Speaker 03

  One sixty a month.

• 1:31:56Caleb Hammer?

  Okay, I'll do TP fund three hundred. Anything else that needs to be in here?

• 1:32:01Caleb Hammer?

  I don't think so. Speak now.

• 1:32:02Speaker 03

  I'm double checking right now.

• 1:32:04Caleb Hammer?

  Okay, well, you can make it and you have room to pay off debt. Um, you need five thousand sixty-one dollars and twenty-six cents a month. You have a thousand five hundred left on a monthly basis. Yeah, just take care of this debt dude and with your homeownership, you live a great life. And you'll catch up on retirement since you pulled from your pension.

• 1:32:22Speaker 03

  Do I chip away at the highest ones with the interest or do I?

• 1:32:24Caleb Hammer?

  No, I would go smallest to largest so you at least make progress, but you'll be knocking out those credit cards very quickly and the collections as well. The thing, the, the truck you just really need to take care of because it is kind of high interest, obviously not the house, but you're paying off this debt pretty damn quick. Sell the other car, use a thousand dollars that you have left on a monthly basis, wipe that debt and then roll through, you're going to be debt free before you know it. Besides the house and I don't need you to pay off the house, it's below a five percent rate, you're fine.

• 1:32:49Caleb Hammer?

  You!

• 1:32:50Speaker 04

  Yes.

• 1:32:51Caleb Hammer?

  The complicated one.

• 1:32:53Speaker 04

  Um, the job that I'm supposed to be starting.

• 1:32:55Caleb Hammer?

  Your minimum's only fifteen bucks a month because you owe on that other shit, but it's like, how much do you think you're going to make?

• 1:33:02Speaker 04

  Um, roughly like five hundred a week.

• 1:33:04Caleb Hammer?

  Okay, two thousand a month. Okay, you owe anything to your sister while living there?

• 1:33:09Speaker 04

  No.

• 1:33:09Caleb Hammer?

  You owe money to him. Tell you that. What's your car, vehicle situation?

• 1:33:13Speaker 04

  It's paid off.

• 1:33:15Caleb Hammer?

  Okay, what's, how much gas a month are you going to be using?

• 1:33:20Speaker 04

  I don't know, probably around a hundred bucks.

• 1:33:21Speaker 03

  You gotta drive, you gotta drive far once a week.

• 1:33:24Speaker 04

  I have to drive up to Dallas once a week to finish off cleaning out the house.

• 1:33:29Caleb Hammer?

  I'm going to do two fifty.

• 1:33:30Speaker 03

  Pick up your son.

• 1:33:30Caleb Hammer?

  Car insurance, how much?

• 1:33:32Speaker 04

  Um, I don't have car insurance right now.

• 1:33:35Caleb Hammer?

  Okay, let's do two hundred.

• 1:33:37Speaker 04

  The car is currently in the shop getting fixed right now.

• 1:33:39Caleb Hammer?

  We'll do two hundred.

• 1:33:40Speaker 04

  Okay.

• 1:33:41Caleb Hammer?

  Uh, food, how, how do the groceries work at your sister's house?

• 1:33:45Speaker 04

  Um, it's just been a couple of weeks and I am, I haven't started my job yet.

• 1:33:50Caleb Hammer?

  Yeah, but how does it work? Are you going to have to pay for them or not?

• 1:33:52Speaker 04

  I'm going to try. I want to at least help with groceries and whatever else I can.

• 1:33:55Caleb Hammer?

  I'll allow you to contribute three hundred dollars. TP fund, anything else for you and your kids to exist, it's toilet papers, tampons, all that good shit.

• 1:34:01Speaker 04

  Okay.

• 1:34:01Caleb Hammer?

  I'll do two hundred bucks, medical healthcare, you're going to be on government shit, subscriptions, I'll try forty. You have a cat, right? Just a cat, one cat?

• 1:34:08Speaker 04

  I have a cat and a dog.

• 1:34:09Caleb Hammer?

  A hundred dollars pet insurance, how much for their food and shit?

• 1:34:12Speaker 04

  I don't need pet insurance.

• 1:34:14Caleb Hammer?

  Because guess what? If they get sick, you won't be able to take care of them and that's not fair.

• 1:34:17Speaker 04

  I, I love them, but like my cat is ten years old, eleven, twelve years old. The dog, I, I'd be down to get.

• 1:34:23Caleb Hammer?

  Fifty dollars, how much to take care of them on a monthly basis?

• 1:34:26Speaker 04

  Um, roughly like fifty bucks for both of their food together.

• 1:34:29Caleb Hammer?

  Okay, phone bill?

• 1:34:31Speaker 04

  Phone bill's fifty.

• 1:34:32Caleb Hammer?

  Anything else that needs to be in your budget? I don't think so.

• 1:34:34Speaker 04

  I don't think so.

• 1:34:35Caleb Hammer?

  You're in a blessed situation because of your sister. If you didn't have this, it'd be.

• 1:34:38Speaker 04

  I know.

• 1:34:38Caleb Hammer?

  You do need to pay him back.

• 1:34:39Speaker 04

  I know.

• 1:34:40Caleb Hammer?

  But even still.

• 1:34:41Speaker 04

  Yes.

• 1:34:41Caleb Hammer?

  This is still going to be brutal.

• 1:34:43Speaker 04

  I, I do need to, I've been talking to my lawyer about putting together a payment plan to pay him.

• 1:34:49Caleb Hammer?

  Yes, you will have to do that.

• 1:34:50Speaker 04

  Yes.

• 1:34:51Caleb Hammer?

  Okay, you, you're going to have an extra, I'm going to just conservatively say seven fifty.

• 1:34:55Speaker 04

  Okay.

• 1:34:55Caleb Hammer?

  Just need to start chipping away at the debt and it's going to take forever for you.

• 1:34:59Speaker 04

  I know.

• 1:35:01Caleb Hammer?

  Do you? Then why do you spend so much money on bullshit?

• 1:35:05Speaker 04

  I don't know how I do it, honestly.

• 1:35:07Caleb Hammer?

  Oh, shut the fuck up.

• 1:35:08Speaker 04

  Don't. Like, they're very small purchases sometimes, like a dollar here, a dollar here, five dollars, seven dollars. Like, oh, I do have a storage unit too.

• 1:35:20Caleb Hammer?

  So, how much?

• 1:35:21Speaker 04

  Sorry, it's a, I think eighty-three dollars a month.

• 1:35:25Caleb Hammer?

  Okay, well, it still fits in to your seven hundred fifty left over because I was being conservative. Shit, maybe if we get rid of the medical bills. Now, for what it's worth, I think you should be able to pay off your debt in about a year.

• 1:35:36Speaker 04

  Okay, that's good.

• 1:35:37Caleb Hammer?

  Well, because everything else is going to be in collections and you're just going to have to sit with that because you're never going to make enough to negotiate that, but.

• 1:35:43Speaker 04

  Okay.

• 1:35:44Caleb Hammer?

  Both of you are debt free in under a year. Whether or not you guys should get back with each other, you're about to find out. Let's both do both of your Hammer Financial scores first and then we'll get into the post show. And you already know what's coming.

• 1:35:58Caleb Hammer?

  Okay, for the man, spending in a budget. Uh, you certainly overspent, I mean, you're overdrafting some savings, so you overspent just a little, so that still counts as a zero out of ten. Your debt's certainly not, well, you have collections, zero out of ten. Emergency fund, there is some money there, it's certainly not even close enough, but I'll give you a three out of ten. Retirement, you had, you don't, zero out of ten. Real estate?

• 1:36:20Speaker 03

  I have equity in it. I put fifty thousand down on the house.

• 1:36:22Caleb Hammer?

  Yeah, who knows what it's worth today. I'll give you a decent because it's a good rate, you're not behind on it. You know, equity position's a little smaller, but seven out of ten. Hammer Financial Score for you, you are going to be a two out of ten, what for you?

• 1:36:38Speaker 04

  Okay.

• 1:36:40Caleb Hammer?

  Well, you have collections, you have no real estate, your retirement is zero, emergency fund, zero, spending or budget, zero. Your Hammer Financial Score is zero, clearly. Get yours at CalebHammer.com now. Join us for what is guaranteed to be one of the best post shows we've ever had. Plus, three premium shows every single day, six days a week, with over a hundred twenty thousand monthly subscribers for a reason. It is the best membership by far. We have a whole network back there. Check it out. Join button or that link in the description below, or you can go by downloading the Hammer Elite app or HammerElite.com. Same on all platforms, just want to give you more options. See you in the post show. She's literally right now talking to another man at this exact moment.

• 1:37:17Speaker 03

  I thought you said that he had a wife.

• 1:37:18Speaker 04

  You're like, well, what am I supposed to do? I just sent him a picture of my boobs.

• 1:37:22Speaker 03

  Yeah, you definitely just made it seem like all he was doing was fixing your car.

• 1:37:25Speaker 04

  Why didn't you fix my car then?

• 1:37:26Speaker 03

  I probably could have fixed your car, but maybe if you weren't being such a hoe, I wouldn't have had to worry about fixing it.

• 1:37:33Caleb Hammer?

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

• 1:38:18Speaker 00

  Stonefire naan is made with real buttermilk and ghee. It's the perfect flatbread for any occasion. I put out Stonefire naan with dips at every dinner party. I make naan grilled cheese when my daughter has friends over. I use Stonefire naan to reward the humans who do my bidding. Right, it's perfect for camping trips. Dance for it, feeble mortal. Sorry, is he talking to me or? Dance. Ha, ha, ha, ha, ha. From our tradition to yours, Stonefire. Together we naan.