The Most Ghetto Financial Audit

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

• 0:00Speaker 00

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• 0:30Speaker 01

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• 0:59Caleb Hammer?

  To watch episodes of Financial Audit a week earlier, check us out on YouTube. What's popping up on these doom scrolls?

• 1:04Speaker 03

  Stay at home mom recipes.

• 1:06Caleb Hammer?

  Stay at home mom recipes. You can't stay at home if he's bringing in 3,000 bucks a month.

• 1:11Speaker 03

  I told him get a second job.

• 1:13Caleb Hammer?

  Get a [bleep] second job so you can sit your fat ass at home?

• 1:15Speaker 03

  I told him, like, he's lazy. I told him.

• 1:18Caleb Hammer?

  What? How does it make you feel, Jonathan, that she specifically told Colton that if she had not gotten pregnant, she probably wouldn't have stayed with you?

• 1:25Speaker 04

  Yeah, I'm just trying to avoid child support because I don't know how heavy that, that kind of is.

• 1:30Speaker 03

  Wow.

• 1:32Caleb Hammer?

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• 2:05Speaker 04

  All right, hi, I'm Jonathan. I'm 27 years old.

• 2:07Speaker 03

  Hi, I'm Melissa. I'm 27 years old. We're coming from Houston.

• 2:10Speaker 04

  And this is your Financial Audit.

• 2:14Caleb Hammer?

  Your financial, it's yours, okay. Very good. Thanks for coming over from Houston. It just, it feels, I'll be honest, Jonathan, a little racist. We never get people from Houston. And the moment we do, it's a black man. And that just feels a little insulting. No, it's not insulting. No, why would it be insulting that there's a black man in front of me? That's not insulting. But it feels a little racist. But we're not racist. So that's, that's a good thing. It's a good thing. Um, well, let's see if Houston's racist with how much you make. What's your job, Jonathan?

• 2:43Speaker 04

  Uh, right now I am working at Water Level Engage Company and Piping Company in Houston.

• 2:48Caleb Hammer?

  How much do you make?

• 2:50Speaker 04

  A check or?

• 2:51Caleb Hammer?

  How much you make? Just what's your pay?

• 2:53Speaker 04

  Um, 20 hour.

• 2:54Caleb Hammer?

  Okay, okay, not, okay, Houston, you're doing okay. Okay, so that's fine. That's fine. I, you know, 20, Houston, depends where you live. There's definitely some wealthy areas. There's some lower income areas. It's one of those like classic cities where it's, uh, you can get some affordable things in there, but it's usually just, you know, a little rough as well. Um, 20 could stretch if you're in that area. Are we married?

• 3:21Speaker 04

  Yes.

• 3:22Caleb Hammer?

  Okay. How many hours a week are you working for that 20?

• 3:24Speaker 04

  I am working 40 hours a week.

• 3:27Caleb Hammer?

  Okay. So what hits your account per paycheck?

• 3:29Speaker 04

  I would say roughly between 1450 to 1550.

• 3:33Caleb Hammer?

  Okay. Well, just call it 1500 then. What is that every two weeks?

• 3:36Speaker 04

  Yes.

• 3:37Caleb Hammer?

  Cool. 3000 bucks. Good. Melissa, what do you do? You're gonna need to make a little bit more money to make this house.

• 3:43Speaker 03

  Uh, I make 19 an hour.

• 3:46Caleb Hammer?

  No, that's okay. As long as you're bringing in, we're doubling this to like 6000, we can survive. Well, what do you do?

• 3:51Speaker 03

  I am just a front office at a clinic and that's pretty, all I do is medical. It's medical and, uh, I just make 19 an hour. I do not hit overtime a lot, uh, because the job does not allow it.

• 4:09Caleb Hammer?

  Okay. Well, then, yeah, you probably would have hit it if it doesn't allow it.

• 4:13Speaker 03

  Yeah, they do not.

• 4:14Caleb Hammer?

  How many hours a week are you working? 40?

• 4:16Speaker 03

  Yeah, about 40, maybe like 39, but honestly don't want to work anymore.

• 4:22Caleb Hammer?

  Okay. Well, how are we the [bleep] gonna do that if he's bringing 3000 hours a month? Not a knock against you, but how can we survive? It's a household, not gonna work? You're gonna work. Shut the [bleep] up. You're gonna work.

• 4:33Speaker 03

  Oh my gosh. Well, I told him.

• 4:36Caleb Hammer?

  Shut up. Why doesn't she want to work? Because I don't, I don't want to hear that. We're not making enough money when we're really not. And she would put that out. How long have you been married?

• 4:44Speaker 04

  Been married for almost three years.

• 4:46Caleb Hammer?

  Uh huh. And she doesn't want to work. Why doesn't she want to work?

• 4:49Speaker 04

  She doesn't want to work because working's too much, too much stress. She want to put.

• 4:52Caleb Hammer?

  Ooh, front desk.

• 4:54Speaker 04

  She wants, she wants to put all her stress and energy towards the kids.

• 4:58Caleb Hammer?

  Older children?

• 4:59Speaker 04

  Yes.

• 4:59Caleb Hammer?

  And you're still there?

• 5:00Speaker 04

  Yes.

• 5:03Speaker 03

  That was so bad.

• 5:06Caleb Hammer?

  Well done. How many?

• 5:07Speaker 03

  Two. We have two.

• 5:08Speaker 04

  We have a two-year-old and a one-year-old.

• 5:10Caleb Hammer?

  Wow, okay. There's still time.

• 5:14Speaker 04

  Is there?

• 5:15Caleb Hammer?

  Yeah, very good. Okay. No, I get that. Well, stay at home, stay at home mama. That's what we want to do.

• 5:20Speaker 03

  Yes.

• 5:21Caleb Hammer?

  Try to tread it up a little.

• 5:22Speaker 03

  I do because, I mean, I've been watching videos, obviously.

• 5:27Caleb Hammer?

  Okay.

• 5:27Speaker 03

  On Instagram. Well, I mean, it's.

• 5:30Caleb Hammer?

  What are these videos?

• 5:31Speaker 04

  We call it a doom scroll.

• 5:33Caleb Hammer?

  We do call it a doom scroll. What's, what's popping up on these doom scrolls?

• 5:37Speaker 03

  Stay at home mom recipes.

• 5:40Caleb Hammer?

  Stay at home mom recipes.

• 5:42Speaker 03

  Stay at home mom content, food recipes, cleaning, clean talk.

• 5:49Speaker 04

  Ending there with kids, ending there with emotions.

• 5:53Caleb Hammer?

  Well, emotions and kids, those happen, but why, why did I hear the word like twice in there? Yes, you said twice.

• 6:01Speaker 03

  No.

• 6:03Caleb Hammer?

  Did you hear it?

• 6:04Speaker 04

  I think I did it once.

• 6:05Caleb Hammer?

  Okay.

• 6:06Speaker 03

  No.

• 6:07Caleb Hammer?

  No, legitimately twice.

• 6:09Speaker 03

  Oh, no. I know.

• 6:10Caleb Hammer?

  Okay.

• 6:11Speaker 03

  I just, I like.

• 6:13Caleb Hammer?

  And what are you seeing? So, okay, yes, the recipes. That's wonderful.

• 6:16Speaker 03

  Yeah.

• 6:17Caleb Hammer?

  But what, what, what is that doing for you? Making it like, okay, I want to live at home forever?

• 6:21Speaker 03

  Because I always wanted to be this, you know?

• 6:23Caleb Hammer?

  Be what?

• 6:24Speaker 03

  Be a stay-at-home, well, be a mom in general, but I always knew I wanted to prioritize my kids.

• 6:31Caleb Hammer?

  No offense to Damonte, you picked a.

• 6:35Caleb Hammer?

  Jonathan, you picked a wrong.

• 6:37Speaker 03

  Damonte.

• 6:38Caleb Hammer?

  I don't know. That's what was rattling around in my head. Then you picked the wrong income to shack up to.

• 6:48Speaker 03

  Yeah.

• 6:48Caleb Hammer?

  Right?

• 6:48Speaker 03

  I didn't think about it that far.

• 6:50Caleb Hammer?

  And again, that's no offense to you, but she can't stay at home. You can't stay at home if he's bringing in 3,000 bucks a month in Houston. You're not in rural Appalachia.

• 7:00Speaker 03

  I know, but I told him, at least get a sec.

• 7:05Speaker 03

  I told him get a second job.

• 7:06Caleb Hammer?

  Get a second job so you can sit your fat ass at home? What are we doing? I mean, I'm sorry, that's the reality.

• 7:13Speaker 04

  Right.

• 7:13Speaker 03

  Well.

• 7:14Caleb Hammer?

  Okay. Jonathan.

• 7:16Speaker 04

  Yes.

• 7:16Caleb Hammer?

  What's your thoughts on that?

• 7:19Caleb Hammer?

  Whoa, go get a second job so I can sit at home. And yes, be mother. I'm not saying it's nothing. But when you hear that.

• 7:27Speaker 04

  I don't want a second job. The only thing is if I'm come home to home cooked meals, his kids will be taken care of from that and.

• 7:35Caleb Hammer?

  You're okay with that? You'll do the second job, you'll work the 80 hours a week for.

• 7:40Speaker 04

  Well, I did it before.

• 7:41Caleb Hammer?

  As long as there's a meal at home, a meal's not hard, by the way.

• 7:43Speaker 03

  It's not.

• 7:44Speaker 04

  Well, I did it before, so I did, like, I did work two jobs before, but I quit the second job in the midst of us having a second, having a second kid.

• 7:51Speaker 03

  So I was a stay at home mom before.

• 7:53Caleb Hammer?

  And?

• 7:54Speaker 03

  I had to go back to work because he quit his second job when I told him not to quit it.

• 8:00Speaker 04

  I quit it.

• 8:02Speaker 03

  At least, I was like, give me some time, man. Give me some time to.

• 8:05Speaker 04

  But at that time.

• 8:06Speaker 03

  Be postpartum, I wasn't even one, like, I wasn't even a whole full week postpartum. And I was like, give me, give me some time to people's partum. Don't quit just yet.

• 8:15Speaker 04

  But mind you, two, three months prior before the birth, she was already speaking about already trying to fight to go back to work. Already made the plans like.

• 8:22Speaker 03

  I was stressed, man, I was stressed.

• 8:24Speaker 04

  After I make the baby, after you make the baby, it's such, such time passed by. I finished up at work. I'm like, for what?

• 8:29Caleb Hammer?

  Were you in the military?

• 8:30Speaker 04

  No.

• 8:32Caleb Hammer?

  There's a dog tag.

• 8:33Speaker 04

  Oh, this is a dog tag box from years ago.

• 8:37Caleb Hammer?

  Okay, I was just wondering, because disability, that, that would be like the thing that could.

• 8:40Speaker 04

  Nah, nah.

• 8:41Caleb Hammer?

  Get us there.

• 8:41Speaker 04

  Nah.

• 8:42Speaker 03

  He refuses to go to the military.

• 8:44Caleb Hammer?

  Okay, is that like a thing you're trying to push him to do?

• 8:48Speaker 03

  I did, well, because we just want-

• 8:49Caleb Hammer?

  He refuses to go to the military.

• 8:51Speaker 03

  Yes, because, you know, I just want to be-

• 8:54Speaker 04

  I was never asked-

• 8:55Caleb Hammer?

  I've never heard that.

• 8:56Speaker 04

  I was never asked if I wanted to go, or what's your pursuit, what's your path? What do you want to do? Hey, I could be like this.

• 9:04Speaker 03

  And he was like, "I don't want to work for the man," or whatever. I'm like, dude, it's, it's, it's just a temporary thing, you know, it's not-

• 9:13Caleb Hammer?

  Well, I'll ask you, I'll ask you, why does he have to do the military?

• 9:18Speaker 03

  It's just a source of income. It wasn't like a-

• 9:21Caleb Hammer?

  So is a job. What?

• 9:23Speaker 03

  Well, he quit the second job, so what can I-

• 9:25Caleb Hammer?

  Okay, why'd you quit the second job, Jonathan?

• 9:27Speaker 04

  I quit the second job because Melissa here was crying to me about like, oh, I'm too stressed out with the kids, I'm not sure what to do, and stuff like that, so how can I-

• 9:37Caleb Hammer?

  Yeah, that makes more sense. That's exactly what I would expect to hear from you. That has the endless amount of demands. I'm already picking it up. You got all the demands, no solutions. Nothing's ever good enough. I mean, I can read that from you. I can smell that from you at this point. I mean, of course, absolutely. So, he's working, so, "Oh, there's no one to help me! There's no one, I'm home all day, there's no one to help me."

• 10:02Caleb Hammer?

  "You gotta be home more," so he questioned. It's like, "Oh no, there's no more need."

• 10:05Speaker 03

  No, that's not it. No, it's just, I just give him so many different options, it's just that he does-

• 10:14Caleb Hammer?

  It sounds like the only option she gave you was go make more money by working 80 hours a week.

• 10:19Speaker 04

  The most money possible.

• 10:20Caleb Hammer?

  Yeah.

• 10:21Speaker 03

  He just doesn't-

• 10:22Caleb Hammer?

  Which is a-

• 10:23Speaker 03

  I told him, I told him, like, he's lazy. I told him-

• 10:26Caleb Hammer?

  What? He's working his ass off! At least he was. I mean, you're doing 40 hours a week now, so I mean, yes, if you're both doing 40, yes, you have to equally step up at home. I got that.

• 10:36Speaker 03

  Yeah.

• 10:37Caleb Hammer?

  But how was he lazy, working 80 hours? What was your second job?

• 10:41Speaker 04

  Pizza. I was a pizza man. I was doing pizza. So I was working-

• 10:44Caleb Hammer?

  Delivering pizza?

• 10:45Speaker 04

  No, I was assistant manager at a pizza shop.

• 10:48Caleb Hammer?

  Okay, okay. That's work. He's on his feet all day. Okay, that's lazy. How many extra hours were you putting a week towards that?

• 10:56Speaker 04

  Uh, before I quit it, I was doing extra twenty-five on that one. Extra twenty, oh, extra twenty-five or thirty throughout the week, so I was putting-

• 11:02Caleb Hammer?

  How can you call him lazy? How can you call him lazy?

• 11:05Speaker 03

  It's just that I told him I do want-

• 11:07Speaker 04

  Well, her definition, her definition of lazy is I come home from two jobs and still be able to cook, clean, maybe change some diapers, maybe do this.

• 11:16Caleb Hammer?

  You do not have the whole [bleep] thing. You have to decide. Are you stay-at-home mothering, doing the mothering, and is he working to take care of you?

• 11:22Speaker 03

  He's saying that, but that's not-

• 11:23Caleb Hammer?

  And he's traddin' it up.

• 11:25Speaker 03

  That's not it.

• 11:25Caleb Hammer?

  What, that's not it? He made all the pizzas, he knew he ate them all.

• 11:30Speaker 03

  I, uh, so pretty much, I already told him. I was like, look, I do wanna take care of the house, I do want to, uh, um, take care of the kids, I want to cook for you, but every time I cook, he's like, oh, uh, we already ate this, or like, oh, this is the same thing. I'm like, dude, this is what we got, like, this, this is it, like,

• 11:53Speaker 04

  So I was told-

• 11:54Speaker 03

  He wants hamburgers, he wants pizza.

• 11:56Caleb Hammer?

  Hamburger? Pizza, well, okay, you named like the two most basic foods. What? That, that, wasn't asking for like beef wellington?

• 12:06Speaker 03

  Uh, he just is disagreeing with my cooking.

• 12:07Caleb Hammer?

  Hamburgers? Oh, no!

• 12:11Caleb Hammer?

  That, that, what?

• 12:13Speaker 03

  Uh, well, he didn't like my rice and chicken. I made rice and chicken.

• 12:17Caleb Hammer?

  Are you sure? Well, you're [bleep] white, no shit. He needs flavor, he needs seasoning.

• 12:22Speaker 04

  Slap your mama.

• 12:24Speaker 03

  Oh, my gosh. Slap your mama's a seasoning.

• 12:27Speaker 04

  It's a seasoning.

• 12:28Caleb Hammer?

  Yeah, put slap your mama on, right?

• 12:30Speaker 03

  Yeah, but I did, I did. He just-

• 12:33Caleb Hammer?

  More. He needs a lot.

• 12:35Speaker 04

  Well, I need some, I need some flavor. It's besides just one stagnant monotone flavor. It's almost like tasting churches or Popeyes, you're eating the same kind of chicken. It's gonna taste good, but you eat more over time, it'll taste the same. Same thing with the fries. Fries could be good on first rip, but if you keep making the same kind of fries, it's gonna, it's gonna taste bland over time.

• 12:55Speaker 03

  He says that, right?

• 12:57Caleb Hammer?

  I'm with him. Listen, if you're at home, just to get three different seasoning, swap them out.

• 13:03Speaker 03

  So we've, it's just-

• 13:04Caleb Hammer?

  I don't care how you guys live your life, how you want to live your life. But if your entire argument is you want to stay at home and be wife and be mother. So he goes and works. Yeah, that's your shit to figure out then. That's what you chose. You don't have to do it. I, I don't care what people choose to do. But if that's what you chose, that's what you chose. Do it then. And the thing is, what concerns me here is, oh, well, before I get to that point, why did you quit your job specifically?

• 13:33Speaker 04

  To help out the kids.

• 13:34Caleb Hammer?

  Okay. So again, you're trying to ask for everything. Did she ever ask that?

• 13:38Speaker 03

  I never asked for that. I told him-

• 13:40Caleb Hammer?

  Okay, ask that. Did she ask for it then?

• 13:41Speaker 03

  I told him, I just want to vent to you. I just want to tell you, hey, I'm tired. I have a lot with the kids. That's all I-

• 13:49Speaker 00

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

• 14:18Speaker 03

  I was doing venting to him. I never told him, hey, step up or change your diaper. Never.

• 14:22Speaker 04

  In response to you venting about me about the kids, how are you expecting me to take it? Especially when I'm trying to help you out. I'm, I'm, I'm supposed to be the man of the house, supposed to be bringing, paying all the bills.

• 14:33Speaker 03

  That's why I told you, you worry about the finances. I'm gonna do everything else. We argue so much and it's just to the point that one time we did threaten to divorce, like-

• 14:43Caleb Hammer?

  What? For why?

• 14:45Speaker 03

  Cause the constant bickering back and forth, the yelling at each other.

• 14:49Caleb Hammer?

  And who was starting the bickering? Come on. Jonathan, I, I, just Jonathan does not present himself as a man that ever started a bicker in his life. He might finish a bicker with a Glock, but he won't start it.

• 15:03Speaker 04

  The Glock is a little excessive.

• 15:06Caleb Hammer?

  You never-

• 15:06Speaker 03

  He's not gonna do a Glock.

• 15:08Speaker 04

  I won't go that far. I'll probably do like a belt or extension cord.

• 15:11Speaker 03

  Oh my gosh.

• 15:13Speaker 04

  Yeah.

• 15:14Speaker 03

  He, the black way, golly.

• 15:16Caleb Hammer?

  But you, you never start the fights, do you?

• 15:18Speaker 04

  No, unless, unless I have to.

• 15:21Caleb Hammer?

  When would you have to?

• 15:22Speaker 04

  Because there had to be certain times where a man has his foot down, put his foot down in certain situations regardless.

• 15:30Caleb Hammer?

  What does this mean Jonathan? So how frequently are we arguing?

• 15:36Caleb Hammer?

  Because finances is the leading cause for divorce in this country and that's one of the biggest argument things we have.

• 15:40Speaker 03

  That is a huge argument in our.

• 15:43Caleb Hammer?

  So how frequently are we arguing, having these big arguments?

• 15:46Speaker 03

  The small arguments are almost on a daily.

• 15:50Caleb Hammer?

  Small, what's considered small, it's a small.

• 15:52Speaker 03

  That, the dishes.

• 15:54Speaker 04

  Washing dishes.

• 15:55Caleb Hammer?

  Guys, we can't survive in a house like that. Who would want to live there?

• 15:58Speaker 04

  You got washing, from washing dishes to how diapers are being changed, to how clothes are being put up. Because we, we have.

• 16:06Caleb Hammer?

  You guys are too opinionated on small things.

• 16:11Speaker 03

  Well.

• 16:11Speaker 04

  Opinionated?

• 16:12Speaker 03

  Yeah, uh, I, well.

• 16:15Speaker 04

  Or is it just having a strong standpoint on how things can be done?

• 16:19Caleb Hammer?

  How does it make you feel Jonathan, that she specifically told Colton that if she had not gotten pregnant, she probably wouldn't have stayed with you? Because that would make my heart sink completely.

• 16:30Speaker 04

  I mean, me, I would, I would take it as if like, I get my free time back. All this.

• 16:36Caleb Hammer?

  While you'd still have kids.

• 16:38Speaker 04

  But I don't have to deal with the stress of having to wake up to the same, a woman who caused me this issue at first. So all I'm doing is separating my time, but still giving my time to the kids.

• 16:49Speaker 03

  I mean, he did cheat, so.

• 16:53Speaker 03

  He cheat, so I, of course, I'm free.

• 16:58Caleb Hammer?

  Uh, okay, tell me about that, what the?

• 17:01Speaker 03

  So.

• 17:02Caleb Hammer?

  That's, okay, you have children.

• 17:05Speaker 03

  This is before kids.

• 17:06Speaker 04

  Before kids.

• 17:07Caleb Hammer?

  So it wasn't long ago with the two year old.

• 17:09Speaker 03

  Yeah, so, pretty much, uh, he's, and I asked him, why did he decide to step outside?

• 17:18Caleb Hammer?

  Why can't you just say asked, like a normal person? Why is this a thing? Houston, what are we doing? Just say asked.

• 17:25Speaker 03

  I asked.

• 17:26Caleb Hammer?

  I'll let you say it, but you're white.

• 17:29Speaker 03

  I'm not. I'm from El Salvador.

• 17:32Speaker 04

  Aren't you white too?

• 17:33Caleb Hammer?

  Yes, I'm white, but I like speak words.

• 17:35Speaker 03

  Yeah, no, I'm from El Salvador.

• 17:38Speaker 04

  And what kind of?

• 17:38Caleb Hammer?

  Doesn't mean you're not white.

• 17:39Speaker 04

  What kind, is there?

• 17:40Speaker 03

  That's Hispanic.

• 17:41Speaker 04

  Different shades of white?

• 17:42Caleb Hammer?

  Huh?

• 17:42Speaker 04

  Is there different shades of white?

• 17:43Caleb Hammer?

  Why Hispanic? Huh?

• 17:44Speaker 04

  Is there different shades of white or is it one kind of white?

• 17:46Caleb Hammer?

  Uh, there's different backgrounds, yeah, but like, yeah, you're like white Latino, right? Twenty-five percent native. Blah blah blah, but I don't, you know.

• 17:57Speaker 04

  So, you say it's racist to have me on the show?

• 18:01Caleb Hammer?

  No, I was asking if it was. I'm glad it's not. So just like, okay, so you're asking, asking, asking.

• 18:07Speaker 03

  I asked. Okay, you know what?

• 18:09Caleb Hammer?

  You can't say it.

• 18:10Speaker 03

  I can't. What you wanna do? I say it in Spanish?

• 18:16Speaker 03

  Since you need know I was Hispanic?

• 18:18Caleb Hammer?

  Well, because you're white. You look like just like a fat white lady. Plus, for what it's worth, like, black men, skinny black men, fat, or fat white ladies, it's just like, it always happens, right? There's like a science.

• 18:28Speaker 03

  It should be studied, apparently, according to you.

• 18:32Caleb Hammer?

  According to me, I didn't say.

• 18:33Speaker 03

  Yeah, you did.

• 18:34Caleb Hammer?

  Well, I was hoping Jonathan could just answer for me, why the pairing just always happens. It's like drawn.

• 18:40Speaker 04

  Hey, it's just.

• 18:42Caleb Hammer?

  Gravity.

• 18:44Speaker 04

  Thick thighs save lives, as they say.

• 18:46Caleb Hammer?

  Huh?

• 18:46Speaker 04

  Thick thighs save lives.

• 18:48Caleb Hammer?

  Like great lives, two of them.

• 18:50Speaker 03

  Two.

• 18:51Caleb Hammer?

  That's the only reason she's there.

• 18:52Speaker 03

  Financials are better.

• 18:53Speaker 04

  The reason why I'm still here.

• 18:54Speaker 03

  No, I disagree.

• 18:56Caleb Hammer?

  The only reason you're still there too?

• 18:56Speaker 04

  Yeah.

• 18:57Caleb Hammer?

  Okay, so we, neither of us would be with each other if it wasn't for the kids.

• 19:01Speaker 04

  Pretty much.

• 19:02Caleb Hammer?

  Brother, that's brutal. How is there any future then? Is that even a good future for the kids, right?

• 19:12Speaker 03

  It's not.

• 19:14Caleb Hammer?

  Why didn't you pull out? Twice!

• 19:16Speaker 04

  Well, somebody was begging for a kid, so.

• 19:19Caleb Hammer?

  They all beg, they all beg to stay in. You don't listen. That's the ultimate trap. They're always saying, oh, come in me. You don't, you don't come in me.

• 19:30Speaker 04

  That's the best feeling, though.

• 19:31Caleb Hammer?

  It is the best feeling and then a child.

• 19:34Speaker 04

  Now that you're careful.

• 19:35Caleb Hammer?

  Not if you're careful. If you're busting inside, you're not careful. You can't bust at a certain angle inside and like it's no kids. Is that like an ultimate angle of bust?

• 19:46Caleb Hammer?

  Is there? Cause if there is, I don't know.

• 19:49Speaker 04

  It depends on your curve. You have a curve.

• 19:52Caleb Hammer?

  Okay, your curve resulted in two, two kids. So you wouldn't be, oh, he cheated. Yes. How did he cheat?

• 20:00Speaker 03

  So he cheated.

• 20:02Caleb Hammer?

  If you guys even love each other, are you even anymore? Honestly?

• 20:05Speaker 04

  Definitely.

• 20:06Caleb Hammer?

  You are?

• 20:06Speaker 04

  Yes.

• 20:07Caleb Hammer?

  Yeah, I'm being told your sex lives actually are not great.

• 20:10Speaker 03

  So.

• 20:11Speaker 04

  Great to a what extent?

• 20:12Speaker 03

  It was.

• 20:13Caleb Hammer?

  I don't know. That's what I'm being told. So I was gonna ask you.

• 20:15Speaker 03

  It was bad at the beginning. So pretty much we didn't know each other's body, what we like.

• 20:21Caleb Hammer?

  Okay.

• 20:22Speaker 03

  So we.

• 20:23Caleb Hammer?

  Okay. Well, I don't need to know all that. I was just wondering if you guys don't love each other, then our sex lives aren't great. And he's cheating, then like, yeah, that that would be a concern. I don't, I don't need to know if like you don't know each other's bodies when you first got together.

• 20:34Speaker 03

  Well, yeah, but that's one of the results of cheating because we were arguing so much that was so much frustration.

• 20:40Caleb Hammer?

  One person. Oh, back then and today still.

• 20:43Speaker 04

  Person won't get what they want despite if that, oh, I wasn't getting what I wanted.

• 20:47Caleb Hammer?

  Really?

• 20:48Speaker 04

  So.

• 20:48Caleb Hammer?

  It's usually the other way around because like dudes are easy.

• 20:51Speaker 04

  So I was asking, I was asking really for the emotional part, just for the emotional stability from it. So.

• 20:57Caleb Hammer?

  You're the opposite of every man ever. She just wanted a bust and you wanted the, the post sex care?

• 21:03Speaker 04

  Oh, yeah, most definitely. You see how, you see how different it is?

• 21:07Caleb Hammer?

  Yeah, it's weird.

• 21:09Speaker 04

  Yeah, it's weird, huh? Yeah.

• 21:10Caleb Hammer?

  But that's okay. I support it. You just wanted to bust and leave.

• 21:13Speaker 03

  If you want to call it that, I.

• 21:14Caleb Hammer?

  Damn.

• 21:16Speaker 03

  But.

• 21:16Caleb Hammer?

  Houston is a different place, different kind of people. Okay.

• 21:20Speaker 04

  Especially coming from a black man like me.

• 21:22Caleb Hammer?

  Yeah.

• 21:23Speaker 03

  But yes.

• 21:23Caleb Hammer?

  I don't know what you said, but yeah.

• 21:25Speaker 03

  He said that, uh, we were arguing to mothers, no communication and that I'm always angry. And so he wanted somebody to be emotionally there for him and make it a safe space for him.

• 21:41Caleb Hammer?

  So you wanted to get cuddled and coddled or busting. So you went to a cuddle coddler?

• 21:47Speaker 04

  I don't say cuddle coddler, but just, just cuddle and stable.

• 21:50Caleb Hammer?

  And your cheater did that?

• 21:54Caleb Hammer?

  So.

• 21:56Speaker 03

  I taught him how to drive, by the way. So I felt like, you know.

• 22:02Caleb Hammer?

  That's great.

• 22:03Speaker 04

  So in other words, when she got with me, I didn't have anything like anything asset wise or anything to my name to actually help progress.

• 22:11Caleb Hammer?

  You're on financial audit. Do you today?

• 22:14Speaker 03

  No.

• 22:15Caleb Hammer?

  Well, what the are we talking about? Sounds like she dragged you down or you dragged her down. Who even knows? So, okay, the cheating, when did it happen?

• 22:21Speaker 03

  So it happened.

• 22:22Caleb Hammer?

  Were you pregnant yet?

• 22:24Speaker 03

  We didn't know.

• 22:25Caleb Hammer?

  But you were pregnant?

• 22:27Speaker 03

  I was.

• 22:27Caleb Hammer?

  You were pregnant when he was cheating?

• 22:28Speaker 03

  It was Christmas Day.

• 22:30Caleb Hammer?

  Oh, you cheated on Christmas Day?

• 22:32Speaker 03

  When I found out.

• 22:32Speaker 04

  Yeah, cuz my birthday was.

• 22:34Speaker 03

  He cheated on his birthday on the 23rd.

• 22:35Speaker 04

  Yeah, my birthday was today, it was before.

• 22:37Caleb Hammer?

  Okay, I guess if there's a day two.

• 22:39Speaker 03

  Oh.

• 22:40Caleb Hammer?

  If there's a day two, of which there is not. Okay.

• 22:44Speaker 03

  Okay, well.

• 22:45Caleb Hammer?

  So you found out on Christmas?

• 22:46Speaker 03

  I found out on Christmas because he went out to walk the dog. He never leaves.

• 22:51Caleb Hammer?

  Pitbull?

• 22:52Speaker 04

  Pitbull, terrier, it makes, it's her, it's her dog.

• 22:55Speaker 03

  It's my dog. Dang, you say you're not racist? You literally play on to the stereotype.

• 23:00Caleb Hammer?

  See, I just asked a question. You answered the racist answer. I just asked, or asked.

• 23:08Speaker 04

  Asked.

• 23:11Speaker 03

  So, I, while he was out walking, he has never left his phone. And I kinda had dreams that he was cheating and I was cleaning.

• 23:22Speaker 04

  I can't get my steps on my, on my health app.

• 23:26Caleb Hammer?

  Well, first of all, my phone's with me everywhere. That doesn't mean there's like something bad on my phone. I just have my phone on me.

• 23:31Speaker 03

  But.

• 23:32Caleb Hammer?

  That's, that's pretty normal.

• 23:32Speaker 03

  I mean, I didn't think of anything about it, but I did have dreams and I was cleaning and the phone literally plopped up.

• 23:39Speaker 04

  What they say about dreams?

• 23:41Speaker 03

  Oh, my gosh.

• 23:42Caleb Hammer?

  No.

• 23:43Speaker 04

  Oh, they, they think for a dream or the dream seems, seems to be real or whatever they investigates, go deep into it and probably try to proclaim that the dream might be real.

• 23:53Speaker 03

  But it was real.

• 23:53Caleb Hammer?

  That's what they say about dreams?

• 23:54Speaker 04

  Oh, oh, no.

• 23:55Speaker 03

  But it was real.

• 23:56Speaker 04

  I was just trying to figure it out.

• 23:57Speaker 03

  I dreamt it and it was real.

• 23:58Caleb Hammer?

  Okay, well, that was a coincidence. It's a fucking dream.

• 24:01Speaker 03

  Oh, my gosh. Well.

• 24:03Caleb Hammer?

  But, yeah, so it did happen. So you dreamed this or what happened? He was out walking the pitbull?

• 24:07Speaker 03

  Walking the dog and.

• 24:10Speaker 03

  Pitbull and he, he left his phone. Uh, I was cleaning. I don't know how the, as I looked at his phone, I didn't even look. I was scrolling. I just looked at his phone charging and it message came up. And I don't know what, how I just looked into it. I've never previously looked at his phone ever. Never looked through his messages ever. And this one time I just was looked, I looked. And I saw all the messages, all the pictures they sent to each other.

• 24:48Caleb Hammer?

  Drowning in student loans with massive interest rates? I see it on the show all the time. People get a loan to advance their careers only to be left with sky high interest rates and crazy minimums that leave their paycheck gutted. Maybe you've already gone to a normal lender to try to refinance your private student loans. And they looked at your less than perfect credit score and hung up the phone. Maybe part of you even thought, yeah, that tracks. I guess I'm stuck. Stop it. You don't deserve to be buried in a high interest loan for the rest of your life because you hit a rough patch. The banks aren't rejecting you because you're a lost cause. They're rejecting you because you're not profitable enough for them at a manageable rate. That's where Y Refi comes in. Y Refi works specifically with borrowers who can't get refinancing through traditional lenders.

• 25:28Caleb Hammer?

  It's their whole thing. They refinance private student loans so you're only paying interest between 0.1% and 5.99%. And they legally cannot charge you more than that. They'll even customize your payments to get you out of debt at a pace that works for you. And if you need a co-borrower released from your loan, they've got a program for that too. Plus their team is in Phoenix, Arizona. So when you call them, you talk to a real person. It only takes three minutes to check your rates and it doesn't impact your credit score. If you've been told no a million times, try Y Refi. Head to yrefy.com/hammer. That is Y R E F Y dot com slash hammer. Or call 888-Y-REFI78. That is 888-Y-REFI78. Break free from the high interest trap and get your finances under control once and for all.

• 26:09Caleb Hammer?

  People on the show blame the economy or the government for their money mistakes all the time. And look, some of it is real. Inflation hit people hard, housing is a disaster and wages haven't kept up. So I get it, but here's the problem. Most of what people know about the economy, about policy, about what's actually happening with their money, they got from news sources with a massive agenda. Left or right, it doesn't matter. They're not telling you the full story. They're telling you their story. The one that keeps you too scared to change the channel. That's why I've been using Straight Arrow News. No manipulation, bias, or agenda. They cover the stories that actually affect your life and give you verified facts and context so you can stop being jerked around by whatever narrative is trending this week.

• 26:53Caleb Hammer?

  Go to san.com slash Caleb Hammer to download the app, or you can visit through the link in the description below. And when you subscribe, you support me and you get the unbiased truth on the stories that matter to you, free from manipulation, bias, or agenda. Because the first step to fixing your money is understanding the world your money actually lives in. Welcome back to trustworthy journalism.

• 27:14Speaker 04

  It was just pictures and messages. I ain't go physically see the girl.

• 27:17Caleb Hammer?

  Pictures is still cheating, my friend.

• 27:19Speaker 03

  He went to deliver this pizza supposedly, because he was working pizza. So he was supposed, he said that his friend.

• 27:28Speaker 04

  That was my practice run as me trying to be a delivery man.

• 27:31Speaker 03

  No, that.

• 27:33Speaker 04

  So.

• 27:35Caleb Hammer?

  Putty.

• 27:39Caleb Hammer?

  Okay.

• 27:40Speaker 04

  I was never, they never sent, I always was stuck on the inside as assistant manager. So they, so when we were short on drivers.

• 27:47Speaker 03

  I remember that.

• 27:48Caleb Hammer?

  So you delivered to her specifically, only?

• 27:50Speaker 04

  Yeah, that was, that was the first order.

• 27:53Caleb Hammer?

  Are you telling me you never [BLEEP] her?

• 27:54Speaker 04

  No.

• 27:55Caleb Hammer?

  What? May as well, at that point.

• 27:58Speaker 03

  I told him, why did you meet up?

• 28:00Speaker 04

  I thought about that too, but.

• 28:01Speaker 03

  Why were you gonna go see her?

• 28:03Caleb Hammer?

  Yeah, you don't meet someone you get nudes from and send nudes to, and you don't [BLEEP]. This is not, this is, that's what, that's, come on.

• 28:11Caleb Hammer?

  I mean, come on.

• 28:12Speaker 03

  And he's like, were you gonna cheat? He's like, no, dude.

• 28:15Caleb Hammer?

  Well, you did. If you're sending nudes and you're getting nudes, that is cheating. Unless, again, you guys are okay with it.

• 28:20Speaker 03

  No.

• 28:21Caleb Hammer?

  Exactly. That wasn't, here's the thing. Listen, um, cheating, not good, not in favor of that. Don't do that. But.

• 28:29Speaker 04

  What's the but?

• 28:29Caleb Hammer?

  Why the f- Were you just allowing messages to fly through? You're the worst cheater I've ever met.

• 28:38Speaker 04

  Hey, that's how you know I was new to it cuz.

• 28:41Caleb Hammer?

  New to it, no.

• 28:42Speaker 04

  Hey. Hey.

• 28:44Caleb Hammer?

  Buddy, just letting messages pop up? What are you doing?

• 28:49Speaker 03

  It went from Snapchat to messages on iPhone. I'm like, oh, so was it getting serious? Did you have feelings for her?

• 28:59Caleb Hammer?

  And you were pregnant when you found out?

• 29:01Speaker 03

  I found out that I was pregnant two weeks after we had this.

• 29:05Caleb Hammer?

  Okay, so what happened when you found out he was cheating?

• 29:08Speaker 03

  I lost it. I, I'm very quiet, like.

• 29:12Speaker 04

  And I.

• 29:12Speaker 03

  Quiet in the sense that I don't like my drama out there.

• 29:16Speaker 04

  Well, I, well, I excuse my, I, I removed myself from the situation and been gone from the, from the space that she was in for like, what, three, four days?

• 29:24Caleb Hammer?

  Yeah, well, that's.

• 29:26Speaker 03

  Because I literally. Literally, instead of talking to me.

• 29:29Speaker 04

  Away, but I was.

• 29:30Speaker 03

  He literally went to his mom's and did not answer my messages. I wanted to talk about it and basically I was so upset to the.

• 29:38Caleb Hammer?

  Well, yeah, why the f- did you run away if she wanted to talk about it? Dude, she finds out you're cheating, your wife, pregnant, not known yet, and you leave?

• 29:45Speaker 03

  Fiance at the moment.

• 29:46Speaker 04

  Four days, yeah.

• 29:47Caleb Hammer?

  Oh, my goodness, you were engaged.

• 29:49Speaker 04

  Yeah.

• 29:49Speaker 03

  We were.

• 29:50Caleb Hammer?

  That's crazy. Yes, four days, you left. She wanted to talk about it.

• 29:53Speaker 03

  He did not answer my phone. He blocked me for a while.

• 29:56Caleb Hammer?

  You blocked her? What was your intent here?

• 30:00Speaker 04

  Say, give her the space I need, give her the space that she needed, give her the space.

• 30:03Speaker 03

  Me?

• 30:04Caleb Hammer?

  You blocked her?

• 30:05Speaker 03

  Yes.

• 30:06Speaker 04

  Yes.

• 30:06Caleb Hammer?

  She can, she can figure out what she needs and I'd be, I'd be scared of a big Latina as well.

• 30:14Speaker 04

  Nah, I wouldn't really scared.

• 30:16Caleb Hammer?

  You blocked her.

• 30:17Speaker 00

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• 30:46Caleb Hammer?

  Left. What the [__] else were you give her space? Okay, four days later.

• 30:52Speaker 04

  That was me not caring no more. That was me just trying to find a reason, try to see if I can find a reason to care.

• 30:58Caleb Hammer?

  Oh, you were done?

• 30:59Speaker 04

  Yeah, I was done.

• 30:59Caleb Hammer?

  Well, you were out. Okay, well, that's different. Okay.

• 31:02Speaker 04

  I was done, completed out, but then she called me one good, one good time and asked me, just do it, just do it for respect. Does I respect him? All right, I give you respect. And talk to you one last time, just see how well it would go. And eventually that led from a three, four, almost a five hour talk.

• 31:19Caleb Hammer?

  On the phone?

• 31:19Speaker 03

  No, in person.

• 31:21Caleb Hammer?

  So you guys met up after four days?

• 31:22Speaker 03

  Mm hmm.

• 31:23Caleb Hammer?

  And?

• 31:23Speaker 03

  He went back to the apartment.

• 31:25Caleb Hammer?

  Tell me.

• 31:25Speaker 03

  We were living together, so he went back to the apartment after those four days.

• 31:29Caleb Hammer?

  In that conversation?

• 31:30Speaker 03

  Was nothing but yell, mm, crying, yelling, like hurtful words.

• 31:37Speaker 04

  Trying to get out, like, our, whatever we've been keeping up from each other for some months or some years in that moment.

• 31:43Speaker 03

  We just let it all out. Like, this is how we feel about each other.

• 31:47Caleb Hammer?

  But you're still considering that this won't last a lifetime. Like, you're actively saying that. You're both saying that, that if you didn't have kids together, you wouldn't be together. And you're still considering divorce. You've told Colton specifically. And honestly, I mean, and then you told Colton, she basically forced you into the marriage. So it's like, it's...

• 32:08Caleb Hammer?

  Has anything even changed? Honestly, zero confidence that no one's cheating on each other since.

• 32:13Speaker 03

  Yeah, no.

• 32:14Caleb Hammer?

  Oh, see? She, she has no confidence that that hasn't happened.

• 32:19Caleb Hammer?

  I mean, if you guys still love each other, you're with each other for the, I'm sure there's a little bit of love in there, some kind of love. But like, if you're considering leaving together, you don't want to be together, you're forced into a marriage. One of you has a, come on, at least texted someone at this point in the last couple of years. There's no way. If not both of you.

• 32:36Caleb Hammer?

  Yeah, there we go. That response is everything I need to know from both of you. We can admit it. You've texted someone, come on. Of course. And you?

• 32:47Speaker 04

  Of course.

• 32:48Caleb Hammer?

  Of course. There you go.

• 32:49Speaker 04

  But as, but as far as...

• 32:51Speaker 03

  I actually haven't.

• 32:52Caleb Hammer?

  In the last two years, there's no way. Well, he admitted he has. So there you go. You heard it here.

• 32:57Speaker 03

  Because I refused to tell other people that we were having marriage problems. So I was like...

• 33:01Caleb Hammer?

  Well, good that you came on and saw millions of people.

• 33:03Speaker 03

  I know. Now I'm so funny. Ha ha.

• 33:08Speaker 04

  I don't think it's funny, but.

• 33:10Caleb Hammer?

  Well, it's not, especially if you keep texting people, guys.

• 33:14Speaker 04

  Sometimes we can't see, I don't know about how.

• 33:16Caleb Hammer?

  Do you just text the girl? How do you find them?

• 33:19Speaker 03

  No, we're not texting like.

• 33:21Caleb Hammer?

  Oh, he is. He said he is.

• 33:24Speaker 04

  No, not other people, just I'm texting.

• 33:25Speaker 03

  Yes, his friends, like talking to his friends.

• 33:27Speaker 04

  My friends.

• 33:29Caleb Hammer?

  Homeboys? Well, I specifically said girls and you admitted to it until she said she didn't. And now you're saying your homeboys.

• 33:36Caleb Hammer?

  Yeah. Mm hmm. Okay. And what happens? Because she has put an ultimatum, not necessarily an ultimatum, but a timeline. She says in July, she's just quitting her job. Come July, it's two months from now.

• 33:51Caleb Hammer?

  If you don't even basically want to be there, why the would he work extra hours?

• 33:55Speaker 04

  It's for the kids.

• 33:56Caleb Hammer?

  Yeah, it's for the kids.

• 33:57Speaker 04

  Yeah, she wants me to make all the money for the kids. And I'm trying, and me, this is just the stereotype on my end. I'm just trying to avoid child support because I don't know how heavy that that kind of is.

• 34:07Speaker 03

  Wow. That's how he felt.

• 34:11Caleb Hammer?

  How does this feel to hear? This is insane.

• 34:14Speaker 03

  Wow, yeah.

• 34:14Caleb Hammer?

  I don't hear shit like this on the show. This is crazy and I thank you for being honest, by the way. That's incredible. You're a beautiful man. What the? How does that feel to hear? That's crazy.

• 34:26Speaker 03

  I actually don't appreciate that. I just. I wish you would have been more open about this, you know, before we had a second baby, you know?

• 34:36Speaker 04

  You should know I didn't have anything. You should know we weren't ready to have kids, especially for the first one.

• 34:40Speaker 03

  Well, it happened. We didn't know it would happen because supposedly I wasn't, I couldn't have babies, so.

• 34:48Caleb Hammer?

  Every time, that's every time on this show. So why have a second one then?

• 34:54Speaker 03

  Because we were, we're standing better.

• 34:57Speaker 04

  Things were good, we're getting better. And then at that time.

• 34:59Caleb Hammer?

  First year, okay.

• 35:01Speaker 04

  Yeah. But at that time, when the second time, second child did happen, when, when he was conceived, it was a time where everything was good at the product. It was like the, it felt like a honeymoon.

• 35:12Speaker 03

  A honeymoon, yeah.

• 35:14Speaker 04

  So.

• 35:14Speaker 03

  Even though we've been together for like six years, it felt like we were still in the honeymoon stage.

• 35:18Caleb Hammer?

  It's like a fresh start again.

• 35:19Speaker 03

  Mm hmm.

• 35:20Caleb Hammer?

  But there's not going to be another one of those unless we have like another kid, but please don't.

• 35:23Speaker 03

  Oh, no.

• 35:25Caleb Hammer?

  Because you guys aren't even like wanting to be together. So it's literally only the kids and the lack of child support. So child support and the kids is why he's there. Why are you staying?

• 35:36Speaker 03

  I mean, I love the man. I do.

• 35:38Caleb Hammer?

  No, again, I said, there's probably some love here, but you've told Colton you specifically like, I've considered divorce, don't even if it was for the kids.

• 35:46Speaker 04

  We both have.

• 35:47Caleb Hammer?

  The kids?

• 35:48Speaker 04

  We both kind of have.

• 35:49Caleb Hammer?

  Hmm?

• 35:49Speaker 04

  I said, we both have.

• 35:51Caleb Hammer?

  Have what?

• 35:51Speaker 03

  Considered divorce.

• 35:52Speaker 04

  Considered divorce.

• 35:53Caleb Hammer?

  Oh, yeah, no.

• 35:54Speaker 03

  Yeah.

• 35:54Caleb Hammer?

  I, yeah.

• 35:55Speaker 03

  But he keeps saying that there, we shouldn't, we shouldn't. So I don't understand why he's telling you something and he's telling me something else. It's like he's telling you, oh, yeah, no, no more. And then he's telling me, but we should try. We should need, we need a change. We need to work on this.

• 36:13Speaker 04

  I'm saying that for the kids, not saying that for me and her. It's for the kids. So the kids could see a better example out of their parents, not just to see them bickering and fight over washing dishes.

• 36:26Caleb Hammer?

  Yeah, if you guys fight every single day, I don't really understand. You guys don't even want to be there. What the [__] are we doing? Like, what am I doing? Like, yes, I can look at the finances of the household and we can do something, but there's no future. I just don't really understand. And I know your parents were vehemently against even being with him anyway, right?

• 36:41Speaker 03

  My mom was.

• 36:42Caleb Hammer?

  Your mom? For different communications, different backgrounds, black.

• 36:47Speaker 03

  Yeah.

• 36:48Caleb Hammer?

  Okay, so.

• 36:51Speaker 04

  Black is a curse or black is a privilege in certain areas.

• 36:53Caleb Hammer?

  Sure, I, okay. But the thing is, it's just like, what the [__] are we gonna do? What can we do? I can't fix a entire, well, I can't fix us wanting to be together or not. It's just like, that's brutal at that point.

• 37:09Speaker 03

  Well, the big issue is the finances.

• 37:12Caleb Hammer?

  Come on, if you guys are bickering down to the [__] sex lives, if we're bickering down to the dishes, if we're, if we don't want to be with each other for many different reasons, and we're only there because of like child support is scary. Finances are gonna solve what sounds like a sliver of the overall issues here. It really does.

• 37:31Speaker 03

  I don't, I don't think, I don't think so. I think that by fixing this financials, I think I won't be

• 37:39Caleb Hammer?

  You.

• 37:39Speaker 03

  stressed.

• 37:40Caleb Hammer?

  What about Jonathan? You. You know why it fixes the stress for you? Because you want to sit your ass at home. That's why. Well, the finances are good.

• 37:50Speaker 03

  Not get the bill call, the bill collector calls on a daily.

• 37:53Caleb Hammer?

  But he makes the income so that they can be paid.

• 37:56Speaker 03

  I do too now.

• 37:57Caleb Hammer?

  Now, but you're quitting in a month and a half, no matter what. Okay?

• 38:01Speaker 04

  So now, so now I'm put in a position to where I gotta look for another job.

• 38:05Speaker 03

  He said that he was looking for a job, that he's been applying. I don't think so. I think he applied one.

• 38:11Caleb Hammer?

  He even have to. It's, I'm sorry, it's modern day society. Don't necessarily get to stay home if you want to. If we're both like lower skilled, lower income, you don't get that privilege. That's just the reality of this situation. We got mouths to feed. We got a roof to keep over the head. You gotta work. That's reality.

• 38:28Speaker 03

  Well, I told him, I was like, I can help, I can work until you need me to, but honestly, I really want to take care of the kids. I want to be there.

• 38:42Caleb Hammer?

  I get that. Who's taking care of the kids now that you're working?

• 38:45Speaker 03

  My mom.

• 38:45Caleb Hammer?

  That's fine. That happened to me. I turned out okay. At least, okay, relatively.

• 38:52Speaker 03

  Hmm, I don't know. I mean.

• 38:55Speaker 04

  Yeah, she's very, very overprotective about who watches the kids.

• 38:58Caleb Hammer?

  And your mother's not good enough?

• 39:00Speaker 03

  My mom is. It's just that I.

• 39:03Caleb Hammer?

  And what's the issue, dude?

• 39:04Speaker 03

  I was paying her for babysitting the kids.

• 39:06Caleb Hammer?

  Yeah, and I'm sure a reasonable amount, better than daycare.

• 39:09Speaker 03

  That's true, but.

• 39:10Caleb Hammer?

  But there you go. You're fine. Go work. Both of you should probably work 60 hours a week each, pay off the debt, and then we can consider things. How can you consider quitting your job before he has the second job lined up? And even more importantly, before we have an emergency fund, and even more importantly, before we have all the bad debt paid off? How can you even consider that? That's so selfish. That's so selfish with your mother being there. If there was no one else to take care of your kid, I wouldn't say it's selfish. Because you gotta take care of the kid, but if the mother's there, you have to put your household first. And make sure you have a safety net of an emergency fund and getting out of this debt first. If not, then you're just being selfish because you want to be home.

• 39:45Speaker 03

  But it's been six years of the same thing.

• 39:48Caleb Hammer?

  Now, it's two, two, two, two year old kid is the oldest we have.

• 39:51Speaker 03

  Yeah, but we've been together for six years.

• 39:53Caleb Hammer?

  Okay, of the same thing what?

• 39:55Speaker 03

  Of the same, we've been in debt since we got together.

• 39:58Caleb Hammer?

  And whose fault?

• 39:59Speaker 04

  Her, her, her mindset has been mainly, since getting with me has been more focused on trying to fix the debt that we are in.

• 40:07Caleb Hammer?

  For six years?

• 40:08Speaker 04

  That I have so, I have signed up to, and like that, I have signed up to.

• 40:11Speaker 03

  It was my, it's my debt.

• 40:13Caleb Hammer?

  But what the is wrong with you? If it's your fault, when I asked that question, I didn't even know. I don't know whose debt is whose. Okay, I didn't even know. So if it's your fault and it's your problem, we've been dealing with this for six years, you have. You have.

• 40:26Speaker 04

  And I'm just co-signing and going along with it as.

• 40:28Caleb Hammer?

  Why would you? Why would you enable? Why would you support this?

• 40:31Speaker 04

  Cause I love her.

• 40:34Caleb Hammer?

  Love her enough to co-sign, not love enough to stick around, though.

• 40:39Caleb Hammer?

  Just don't understand. Not love enough to not cheat and text other people.

• 40:43Speaker 04

  It's a different kind of love. A different kind of love that's out there.

• 40:48Caleb Hammer?

  He just wants to bust, okay? It happens.

• 40:52Speaker 04

  Nah, it's not, it's not the fact I wanna bust, it's the fact that I wanna feel comfortable. I want to be able to know for a fact that I'm in a good place.

• 41:00Caleb Hammer?

  So what do you find with these other women, then?

• 41:02Speaker 04

  I wanna say a smaller sense of, a sense of security and reassurance that I was hoping to ask from her.

• 41:09Caleb Hammer?

  But what do they do that gives you that?

• 41:12Speaker 03

  Nothing. Send news.

• 41:13Caleb Hammer?

  Quiet, this is him.

• 41:14Speaker 04

  I'mma say, ask me how I'm doing, how my day is, or what's going on in your head, how can I help you? Have you ate? Do you need anything? Stuff like, just small stuff like that. And then I feel like I had to come to her and beg her for it.

• 41:30Caleb Hammer?

  And does she still?

• 41:31Speaker 04

  She got, it's just a slightly better, but it needs a little bit more improvement.

• 41:36Caleb Hammer?

  Why don't you step up on that regard? That's not your natural love language, but it's his.

• 41:41Speaker 03

  Yeah, it's hard.

• 41:42Caleb Hammer?

  Just takes a little bit of effort. It's not something biological within you. You're able to just do it as a courtesy.

• 41:49Speaker 03

  It's, well, it's difficult because when I asked him, hey, how was your day? Same old or.

• 41:57Caleb Hammer?

  Yeah, but he just wants to be asked. Who cares what his answer is? You have your own needs that you want him to provide and he has this. Who cares what his response is? That's what he's asking for. What are you asking him for? And is he delivering?

• 42:11Speaker 03

  Uh, not all the time delivering.

• 42:13Caleb Hammer?

  What are you asking for that is not delivering?

• 42:15Speaker 03

  Security. This is the.

• 42:16Caleb Hammer?

  What's security?

• 42:17Speaker 03

  This.

• 42:20Speaker 03

  I just want to be able to.

• 42:22Speaker 04

  Secure financially or secure emotionally?

• 42:24Speaker 03

  Financially. That's what I asked. That's the main thing I asked from him. That's really it. All I ask is to be financially secure because I'm.

• 42:32Caleb Hammer?

  But you're the one going into debt. So that's how is that even fair to put on him?

• 42:36Speaker 03

  But this is why.

• 42:37Caleb Hammer?

  I'm gonna go further into debt. You need to make more money to pay it off. And then I'm gonna go further into debt. Hey, but I want to be financially secure. Where does that make sense? I can't vibe with yours as much as I can vibe with his. Where does that make sense?

• 42:47Speaker 03

  Well, the debt, I told him about this debt before we even got to, you know, agreed to getting together.

• 42:53Speaker 04

  It wasn't explained thoroughly as much as now. She would only tell me, oh, I'm in debt. I'm trying to make sure I get all my stuff together because I just.

• 43:01Speaker 03

  It was always me, me.

• 43:02Caleb Hammer?

  But it's in six years. I don't care. What about since then?

• 43:07Caleb Hammer?

  Since then, the debt we've gone in, the debt is cosigned for. You're begging him for financial security, but you're getting him to cosign on debt that you make worse.

• 43:15Speaker 03

  Well, we need it in the car.

• 43:17Caleb Hammer?

  How can you beg him for financial security? How? Please define what that would look like.

• 43:21Speaker 03

  Because when I was a stay at home mom and he did give me that sense of security, I was. I was so much, I was improving in, in, in all senses of, you know.

• 43:33Caleb Hammer?

  How are you improving? Just because you got what you want, you were happier? Like, yeah, we all are happier when we get what we want. Life isn't always like that.

• 43:40Speaker 03

  I was more emotional, like, I was more emotionally available. I was more.

• 43:46Caleb Hammer?

  Available?

• 43:47Speaker 03

  Yeah, because I'm just so, I feel like I'm in the struggle.

• 43:50Speaker 04

  She had to succumb into making herself available and to accommodate to what I actually needed and wanted.

• 43:57Caleb Hammer?

  Yeah, when we work, we have to give a little extra energy after work. We just have to.

• 44:00Speaker 03

  Well, I, sometimes I don't ask him because it's irritating. It's just irritating sometimes because he's just.

• 44:05Speaker 04

  So it's irritating to ask me how I'm doing? Irritating to ask me about what's up?

• 44:08Speaker 03

  It's the same answer. It's just, I.

• 44:10Caleb Hammer?

  Doesn't matter, though. That's what he's asking for, right?

• 44:12Speaker 03

  You keep saying that, but I'm like, what am I supposed?

• 44:14Caleb Hammer?

  Okay, well, express, express how you feel, Tom.

• 44:17Speaker 03

  You tell me the same thing, so what am I supposed to be like, oh?

• 44:23Speaker 03

  What am I supposed to say that? I, I don't know what am I supposed to say is the same thing? What, what can I say to make you feel better? There's just no way, dude. It's like, you ask me these, these things, but you don't give me the solutions. I'm like, when I ask you for something, I do give you like, I'm like, this is a solution that could be. This is another solution that could be, but you just tell me, I want this. Okay, how do, how can I do that better? You're just like, okay, well.

• 44:48Speaker 04

  Well, that's, it all comes down to how you look at the situation about like, especially how I'm trying to tell you. I understand I don't tell you everything verbatim, how you want to be like, I don't come through with a whole detailed story about, such, such did that, I did this, that, and the third. I, I, I'm not built to come with detailed stories like that. I'm just put it all simple.

• 45:09Speaker 03

  It's just so nonchalant. It's irritating sometimes.

• 45:11Caleb Hammer?

  What the is that? You just shut him down? Maybe his point's not right, but you just interrupted and shut down? It's not a productive, if that's how every conversation goes, then maybe I understand why he walks away.

• 45:22Speaker 03

  Well, I feel like I don't shut down. I feel like I.

• 45:25Caleb Hammer?

  You shut him down. You just did.

• 45:28Speaker 03

  Well.

• 45:30Caleb Hammer?

  Well.

• 45:30Speaker 03

  I disagree, but.

• 45:32Caleb Hammer?

  Okay, good one. Got me.

• 45:36Speaker 03

  I ju- I ju- I mean, I don't, I don't know what he wants. I don't understand. I like, I asked, but he's just-

• 45:43Caleb Hammer?

  Express what you want then. What's different? Express what you want that is different. Specifically to her. Let him try, bitch.

• 45:52Speaker 04

  Where's the patience? That's mainly what I asked for, is like I said, patience, cuz when I first proposed to her, cuz the moment I proposed to her, I was put into ultimatum to choose. So my mom was going to Flor- moved to Florida, and I was staying with my mom at that time. So she asked me if I wanted to come with her, or did I wanna do something else? And I was like, what, nineteen, twenty at the time? So I didn't really have much of a, I guess I guided, as I guided, uh, principal guided, you know, any guidance on how to go about that situation. So I asked her.

• 46:27Speaker 03

  I made the proposal too, just FYI. The proposal, it was literally in the bedroom.

• 46:34Caleb Hammer?

  You are such a, the thing is, I was kind of against what he was saying right there. I was listening, I'm like, what the is this guy saying? What is he saying? And then you just interrupt him with even worse bitch behavior. It's like, what? I'm against both of you. What the, yeah, choo- choose the woman over your mother. I'm sorry, you're not gonna live with your mom forever.

• 46:56Speaker 04

  You're right.

• 46:57Caleb Hammer?

  I mean, yes, love your mother. I'm not saying don't love her, but yeah, okay, twenty, fresh out of juvie, I'm proud of you.

• 47:04Caleb Hammer?

  Choose her, don't live with your mother in Florida.

• 47:06Speaker 04

  But that's the thing, so I, at that time, when my mom did move, she came back. So it was like, it would have been kinda pointless.

• 47:15Caleb Hammer?

  Who cares where your mom lives? You're ju-

• 47:17Speaker 04

  This is me with her, right?

• 47:19Caleb Hammer?

  I, what are we, I don't even know what we're saying, guys.

• 47:23Caleb Hammer?

  What the is even happening? I don't even understand. What point are either of you? You hate the proposal? Who cares? Why'd you hate it?

• 47:31Speaker 03

  Oh, God.

• 47:32Caleb Hammer?

  Maybe I care.

• 47:33Speaker 03

  It wasn't. Basically, there was nobody to.

• 47:37Speaker 04

  There was no.

• 47:38Speaker 03

  Share it with.

• 47:38Speaker 04

  There was no cameras.

• 47:39Speaker 03

  It was in his room. And he and and and he just proposed in his room. And I was just like, oh.

• 47:46Caleb Hammer?

  Why'd you do that?

• 47:47Speaker 04

  That is that's part of the ultimate that I really had. I ain't really planned that much time into making that proposal.

• 47:52Caleb Hammer?

  Go go at least go down to a park at a minimum. In his room.

• 47:56Speaker 03

  Hated it. I hated it. But I was like, I love him. I we can make this work. But, yeah, I still kind of kind of hate that still, to be honest, still.

• 48:08Speaker 00

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• 48:37Speaker 03

  I'm just like, I wish we could.

• 48:38Caleb Hammer?

  Get over it.

• 48:39Speaker 03

  Yeah, of course.

• 48:40Caleb Hammer?

  It is weird.

• 48:41Speaker 04

  You hated the proposal, but you still here right now.

• 48:44Caleb Hammer?

  Well, I think we both understand. We all understand why it's the kids at this point. Yes, there's love, but I think where we've we're ready to separate. Even with that, but we won't because of the kids, which is sad. Except for the kids. Um.

• 49:02Caleb Hammer?

  But, yeah, next time you propose.

• 49:03Speaker 03

  Next.

• 49:04Caleb Hammer?

  Not in your room.

• 49:05Speaker 04

  Next time.

• 49:06Caleb Hammer?

  If you guys leave, I don't know. But all I'm saying is, yeah, bad proposal. Also, like, three years ago, get over it.

• 49:14Caleb Hammer?

  What are we doing? Why are you locked on to that? Who cares?

• 49:18Speaker 03

  I don't have I don't have pictures to show my kids.

• 49:20Speaker 04

  She wants she wants she wants memorable moments.

• 49:22Speaker 03

  Daddy proposed and it was beautiful.

• 49:24Caleb Hammer?

  Make new memories. That's already done.

• 49:26Speaker 03

  We're trying to work towards it, but.

• 49:28Caleb Hammer?

  Are you? You keep going into that.

• 49:30Speaker 03

  Having it.

• 49:31Caleb Hammer?

  You are not, yes.

• 49:34Caleb Hammer?

  Cause you keep opening debt.

• 49:36Speaker 04

  That I'm a part of.

• 49:37Speaker 03

  But I talked to him about it. Obviously, he don't agree. If he don't agree, he could have said no, but he just.

• 49:44Caleb Hammer?

  You can't do anything if he doesn't say no. You're incapable. I just launched the brand new Hammer Elite app available on every major platform. You'll get three exclusive dedicated shows every single day, Monday through Saturday. And to celebrate the app launch, I'm offering 30% off the annual plan in the month of June only. Plus, I have an exclusive offer just for you, but it's limited to the first 1,000 people to purchase. For a one-time payment of $500, you'll get our entire Hammer Elite catalog for life. And a limited edition Hammer for Life box packed with limited edition merch you can't get anywhere else. Plus, you'll get access to our exclusive four-hour Hammer Elite Day livestream on June 27th.

• 50:27Caleb Hammer?

  Download the Hammer Elite app by using the link in the description or pin comment below. This is the best membership you'll ever join, and that's a promise. If you or your child spent years growing up on social media and experienced serious mental health struggles, you should hear this. Recently, a jury ordered Meta and YouTube to pay millions for their role in designing and promoting addictive platforms. They knew their apps could contribute to anxiety, depression, and body image issues, but did not share those risks while prioritizing profits. The recent historic verdict underscores the consequences of those decisions. Now Morgan and Morgan is stepping up to hold these platforms accountable for the harm they caused.

• 51:07Caleb Hammer?

  Click the link in my bio to take a short quiz. You may be entitled to a potential recovery of over $1,000.

• 51:16Caleb Hammer?

  Do you smoke that much weed? You're that [bleep] out of your mind? I know you spend a shit ton on weed. You're that [bleep] gone that you need someone else to say no, or else you can't consent to you opening a debt? Yeah, [bleep] blazed every day?

• 51:29Speaker 03

  We're married, so we're supposed to talk about it, don't we? So I don't understand.

• 51:34Caleb Hammer?

  Yes, conversations are nice, but you can't have an opinion unless he says something? You can't have self-control unless he says something and brings out the belt?

• 51:42Speaker 03

  All the new [bleep], all the new dip is about.

• 51:46Speaker 03

  What's for the house like it's not.

• 51:48Caleb Hammer?

  You still have agency. You're allowed to have the no opinion, even if he has the yes opinion. You know that, right? Do ya? Apparently not. What do you guys think your household financial score is zero to 10, zero being the absolute worst, 10 being the absolute best?

• 52:04Speaker 03

  Zero.

• 52:06Speaker 04

  Three.

• 52:07Caleb Hammer?

  Maybe, I mean, I doubt it, but. Why do you think it's a three?

• 52:12Speaker 04

  You said 10 being the best?

• 52:14Caleb Hammer?

  10 being the best you can ever imagine.

• 52:16Speaker 04

  I'm gonna say three. The only reason I said three, cuz it's it's slowly but surely getting adjusted into making the changes that we actually need to make, but.

• 52:26Speaker 03

  Oh, Lord.

• 52:27Caleb Hammer?

  Let's let's answer a basic question then. Okay, so we know what comes in is about like 6,000 bucks a month. Uh, it's kind of lined up. I mean, okay, we're getting cash advance and a bunch of shit. I'm not gonna count that. But what went out? What was your outflow?

• 52:44Speaker 03

  More than what we make? Yeah.

• 52:47Speaker 04

  I'm gonna say about a good 1.5 times what we make.

• 52:51Speaker 03

  Oh, God.

• 52:51Caleb Hammer?

  About 9,500.

• 52:53Speaker 03

  A thousand 500 over?

• 52:55Caleb Hammer?

  9,500 was the total.

• 52:57Speaker 03

  Like in a month? That's what we spent? 9,500 in a month?

• 53:03Caleb Hammer?

  Yeah.

• 53:04Speaker 04

  You sure that's right? Cuz I don't think that's right.

• 53:06Speaker 03

  That's that's.

• 53:07Caleb Hammer?

  That's numbers. If you wanna figure out your Hammer financial score, make sure you go to CalebHammer.com, take the assessment. It is free. See where you stand in the world of money. It's free, takes a few minutes. See where you're doing poorly, where you're doing great, and how to get great from your bad position if you are. And if you don't wanna be in that bad position for long, like the guests on this show, make sure you download the Dollar Wise Budgeting app. There's a free trial to see if you like it. And most people take the annual version after the free trial because it saves a lot of money. And you get my personal 30 day detailed meal plan that breaks out every snack, every meal, every recipe, everything you have to do. And it comes with the digital cookbook as well, so that you can budget your meals effectively. No more excuses. I will sign it and mail it directly to you. There you go.

• 53:48Speaker 03

  I thought you cancelled those.

• 53:50Caleb Hammer?

  The cookbook, the cookbook. Now there's the digital version of the cookbook that comes with the 30 day meal plan.

• 53:55Speaker 03

  Oh, okay, okay. Cause I tried to get your cookbook, but as you can see, apparently nine thousand dollars out is crazy.

• 54:00Speaker 04

  I think your cookbook is a little bit outside of our budget.

• 54:03Caleb Hammer?

  Oh, I mean, it came with the annual version of the budgeting app and the budgeting app would have saved, yeah, but it would have saved you hundreds a month. So actually you would have.

• 54:09Speaker 03

  Okay.

• 54:10Caleb Hammer?

  But either way, who has credit one? I need to know what's um, cosigned, what's, who's on what? All that kind of stuff. Who's on credit one?

• 54:20Speaker 03

  Me.

• 54:20Caleb Hammer?

  Just you?

• 54:21Speaker 03

  Just.

• 54:21Caleb Hammer?

  He's not on it. Okay.

• 54:23Speaker 03

  He used to be on the old credit one.

• 54:25Caleb Hammer?

  Well, credit one's like the worst of the worst of the worst of the worst. It doesn't get much better than this.

• 54:28Speaker 03

  Yeah.

• 54:29Caleb Hammer?

  So tell me, tell me what's going on with credit one?

• 54:32Speaker 03

  So the old account, I overdrafted so much and

• 54:37Caleb Hammer?

  Why?

• 54:38Speaker 03

  Cause we were obviously living above our means, as you can see.

• 54:43Caleb Hammer?

  Doing what?

• 54:44Speaker 03

  Well, back in the day, we used to, yes, back in 2023 or whatever.

• 54:50Caleb Hammer?

  And I know you're calorically excited.

• 54:52Speaker 03

  But I, we used to spend a lot of money on weed.

• 54:56Caleb Hammer?

  Oh, like you don't now. Come on, $22 in Shipley donuts immediately right there. Blazed out of your fucking mind. I know that's what you're doing.

• 55:04Speaker 04

  The donuts is for, it's for the family. It's not really just for her or me. It's for her mom to, who helps out with the kids.

• 55:11Speaker 03

  Yes, it is.

• 55:12Caleb Hammer?

  Doesn't for the family, doesn't for you. I got it.

• 55:15Speaker 03

  Okay.

• 55:16Caleb Hammer?

  Shipley is good. Houston based. I love me a Shipley.

• 55:19Speaker 03

  Yeah.

• 55:19Speaker 04

  You never, you never been to Shipley's?

• 55:21Caleb Hammer?

  I just thought I liked it.

• 55:22Speaker 03

  He just said.

• 55:24Speaker 04

  Hey.

• 55:27Speaker 03

  Um, well, we would spend so much money like, uh, and we didn't have money.

• 55:35Caleb Hammer?

  And then going out to eat. Yes. Yes.

• 55:38Speaker 03

  Yes, we did. But in order to um, you know, pay for other things, I would use my credit card. Like sometimes gas, stuff like that in my credit card, even food, even food. Um, and it was to the point that I just couldn't keep up with it.

• 55:57Caleb Hammer?

  Even food. Yes, that's what we were spending on, right? So we were, yeah, you spent almost a thousand bucks going out to eat last month. Shut the fuck up. That's what you were, were? That's what you are. That's what you are. What do you mean were? Were? You don't know were. You are and you will.

• 56:17Caleb Hammer?

  That's what you do now.

• 56:19Speaker 04

  When you don't have time to cook, this is what you do.

• 56:21Caleb Hammer?

  God, if you have time to meal prep, you have time to warm up. Absolutely.

• 56:25Speaker 03

  Well, it feels like we're in the trenches right now with.

• 56:27Caleb Hammer?

  Wrenches. You both work 40 hours a week. Shut the up.

• 56:29Speaker 04

  The work schedules that we have and the times that we come home.

• 56:32Speaker 03

  We get home at seven.

• 56:34Caleb Hammer?

  That's what both of my parents did who worked even more hours. And what did we do? Spaghetti every day. That's what happens. It's not yummy. It's not great. White people tacos. Well, white people tacos, super fun.

• 56:45Speaker 03

  Okay, but kids are nowadays picky, so.

• 56:48Caleb Hammer?

  Oh, nowadays? A two-year-old and one-year-old? Shut the fuck up.

• 56:51Speaker 03

  They don't want spaghetti.

• 56:52Caleb Hammer?

  They will eat.

• 56:55Speaker 04

  Now, all kids are born the same. Now, all kids have the same.

• 56:59Caleb Hammer?

  Are they?

• 57:02Speaker 03

  No.

• 57:03Caleb Hammer?

  They will eat. They will figure it out, dude. Come on. Unless you spoil them and give them every single little thing they want. Are they, how many, how many do they have? Are they on the iPad? Not at all. They are never on a device.

• 57:17Speaker 04

  Don't have no iPad.

• 57:18Caleb Hammer?

  Thank. Well, I don't understand how you guys.

• 57:21Speaker 03

  My kid, so I don't want that, so.

• 57:25Speaker 03

  Uh, I, yeah. I watch, I'm an iPad kid, so I don't want that. And.

• 57:30Caleb Hammer?

  And then break check, you put 130 bucks on here. It's not an emergency fund. This is not an emergency fund at this credit one card that you are now above the balance of $22.84 above the limit, okay? 52282 is what you owe on here, or 84, sorry, with a $30 minimum monthly payment. Takes two years to pay off minimums only, but there are fees being added. There are minimum. Minimum interest being added.

• 57:57Speaker 03

  I didn't know anything about.

• 57:58Caleb Hammer?

  That's what credit one is. It's just endless fees, fees, fees, fees, fees, fees, fees, fees forever.

• 58:03Speaker 03

  I didn't know until watching your show about credit one, how bad it was.

• 58:07Caleb Hammer?

  It's bad.

• 58:11Speaker 04

  Yeah, I had no idea either.

• 58:13Caleb Hammer?

  Why? Why? Why? Why were we putting donuts on a credit card that does accrue any interest that we cannot pay off? Just alone, just alone, that concept. Why?

• 58:22Caleb Hammer?

  Please, anyone?

• 58:23Speaker 03

  Cause.

• 58:24Speaker 04

  That's $20 that we don't have to spend.

• 58:26Caleb Hammer?

  And what was your plan here? It, well, that is.

• 58:29Speaker 04

  Well, it's not our money that we had to pay back, but it's not coming out of.

• 58:32Speaker 03

  Right, then and there.

• 58:34Speaker 04

  Then, you know.

• 58:35Caleb Hammer?

  At that exact moment, sure. So what was our grand plan with this? What were you thinking every time you do this? What was our plan in the future?

• 58:41Speaker 03

  Our plan was we'll pay it back.

• 58:43Caleb Hammer?

  How?

• 58:45Speaker 03

  Working.

• 58:46Speaker 04

  Checks, by check.

• 58:47Speaker 03

  More hours.

• 58:48Speaker 04

  Bit by bit. Overtime, the overtime I get from my job?

• 58:51Caleb Hammer?

  You work forty hours a week. You're bringing three thousand bucks a month.

• 58:55Speaker 03

  And nine thousand.

• 58:57Speaker 04

  And in my job, well, rent, bills.

• 59:01Caleb Hammer?

  Yes.

• 59:03Speaker 04

  Necessities that the kids.

• 59:04Caleb Hammer?

  Oh, yeah.

• 59:05Speaker 03

  Sure.

• 59:05Caleb Hammer?

  Which Shipley's is not.

• 59:07Speaker 04

  It's a small little treat for the kids.

• 59:10Caleb Hammer?

  The kids are for her. Come on.

• 59:12Speaker 04

  Well, that's for the kids and her, so.

• 59:14Caleb Hammer?

  Mm hmm.

• 59:15Speaker 04

  And don't forget, her mom also watches the kids, so we also got to tend to her mom and make sure her mom's taking care of them.

• 59:19Caleb Hammer?

  Well, I'm okay with that part because that saves money over, over the long term versus like daycare because you're able to work. Okay, so I'm okay with that part, but Shipley's we don't have to get, okay? Okay, listen. Both of you do need to make more money. That is true. I'll get you both course career certifications of your choice. Either the trades or into tech. A lot of people in the audience have used them to either get new positions at their companies or better positions outside their companies, get six-figure jobs. Course careers is great. So I'll get you set up with those, okay? Convert those into better paying jobs. You have to.

• 59:49Speaker 03

  Yeah.

• 59:49Caleb Hammer?

  Okay, you have to. It's not the easiest job market in the world right now, but we added a lot of jobs last month. Maybe it's getting better. We'll see. Snap, snap. Why do you owe to? Snap. Oh, no, it's gone to collection. Oh, wait, no. Oh, it's been sold off, but it's still on minimum payment. What the fuck is going on here? Who has this? What, what is going on here? Can someone educate me? Give me a little education.

• 1:00:12Speaker 03

  I don't know what that is.

• 1:00:12Caleb Hammer?

  What the? Is your document?

• 1:00:14Speaker 03

  The mattress. Gotcha.

• 1:00:16Caleb Hammer?

  Oh, what the mattress that you get?

• 1:00:19Speaker 03

  This was in my last relationship, so this is how I got the debt.

• 1:00:22Speaker 04

  What? So I'm dealing with something from your last relationship?

• 1:00:26Speaker 03

  You, yes.

• 1:00:27Caleb Hammer?

  Years ago was this? You guys talked about being together six years.

• 1:00:29Speaker 03

  This. He just, see, this is the thing. Repetition. I always gotta keep telling him the same thing over and over.

• 1:00:35Speaker 04

  You kept up. He's a small finance you kept away. I understand you told me about the situation itself, but it's about small financial things you'd happen. I'm dealing with this now?

• 1:00:44Caleb Hammer?

  Yeah, like nine years later, what the? How? How possibly are you still paying on this after nine years?

• 1:00:50Speaker 03

  Money on everything else and never paid what we owe.

• 1:00:53Caleb Hammer?

  Like, what was this loan? It's a twenty-five dollar month, a month loan. Like, this will never be paid off. Never be paid off. This is crazy. You still owe one thousand nine hundred forty dollars and ninety-two cents at a twenty-five dollar. What was this mattress possibly? Yeah, you got this in twenty twenty-one, which that doesn't even add up with the six years, by the way. Are you seeing him overlap? It's 2026 right now, not seven.

• 1:01:16Speaker 03

  Yeah, but like we got together like so fast after that relationship. So maybe that's.

• 1:01:22Caleb Hammer?

  What was the mattress that you still owe 2,000 on with the $25 payment? What was this?

• 1:01:28Speaker 03

  So with my ex, I was living with him at that time.

• 1:01:32Caleb Hammer?

  I got that part. Is it like a $30,000 mattress? I want whatever it is. It must be incredible.

• 1:01:36Speaker 03

  It was. It was.

• 1:01:38Caleb Hammer?

  What was it?

• 1:01:38Speaker 03

  It's two twins with like you're combined as a queen or king or whatever, but they're like, you can brace them up or massage or whatever. It's, it's.

• 1:01:54Caleb Hammer?

  Massage?

• 1:01:55Speaker 03

  Yeah, it's like.

• 1:01:56Speaker 04

  A deluxe suite.

• 1:01:58Speaker 03

  Like orthopedic, I don't know. Uh, but that was, and then they included supposedly a free 65 inch, um, TV, but I was, he was, the ex convinced me because we were living in the apartment with an air mattress, his inflatable air mattress.

• 1:02:18Caleb Hammer?

  So you have to get a million dollar mattress, a super mattress?

• 1:02:22Speaker 03

  I didn't think anything. I just, I was just so.

• 1:02:25Caleb Hammer?

  No shit, but you're still paying on it. You're paying on it?

• 1:02:27Speaker 03

  Yeah.

• 1:02:28Caleb Hammer?

  Not your ex?

• 1:02:29Speaker 03

  He, I don't know what he's doing. I don't, I don't know nothing about him anymore, but this is my portion. No, no, thank God.

• 1:02:39Caleb Hammer?

  Well, 25 bucks a month for like ever. Unless who knows what the interest is if any. I, I don't really know.

• 1:02:46Speaker 03

  I think they closed this, so I don't think there's any interest.

• 1:02:49Caleb Hammer?

  There, yeah, it was closed, sold to collections and now you're on a payment plan with collections.

• 1:02:52Speaker 03

  Yeah.

• 1:02:53Caleb Hammer?

  Like this is fucking crazy. Okay. 194.

• 1:02:56Speaker 03

  Well, this is the first time I got into a payment plan. I never paid it until now. Just started paying this like last month.

• 1:03:03Caleb Hammer?

  Yeah. Okay. So it went to collections and may have actually fallen off relatively soon, but now you're on this. So it's all reset.

• 1:03:09Speaker 03

  Oh, Lord.

• 1:03:11Caleb Hammer?

  Uh, 77 months to pay off. It's pretty brutal.

• 1:03:14Speaker 03

  Mm hmm.

• 1:03:15Caleb Hammer?

  You'll have this for six and a half years, six and a half years. You're going to be paying on this.

• 1:03:19Speaker 04

  A mattress I'm not sleeping on.

• 1:03:20Caleb Hammer?

  The mattress you're not sleeping on where he used.

• 1:03:22Speaker 03

  Oh, gosh.

• 1:03:24Speaker 04

  Great. Great.

• 1:03:28Caleb Hammer?

  Okay, but that's the past, you know? Okay. Kind of, not really. It's right now. I would actually say it's right now, because you're paying on it right now.

• 1:03:39Speaker 03

  At least with my money, at least with what I work for.

• 1:03:42Speaker 04

  We realize it's our money, wherever, we are together, so we are a joint. You know, we don't have a shared account, but we realize we're making money together in the same relationship, so.

• 1:03:51Caleb Hammer?

  Why aren't you guys joint?

• 1:03:53Speaker 03

  Because there's no money. What, what we're supposed to join?

• 1:03:55Speaker 04

  I'm gonna say.

• 1:03:56Speaker 03

  Join for, there's negative.

• 1:03:58Caleb Hammer?

  If you're separate with no money, be joint with no money.

• 1:04:00Speaker 04

  It's more or less the spending that can come out of that one account, and then we will really be looking at each other like, where is this going? What you doing? And stuff like that.

• 1:04:10Caleb Hammer?

  Did you say all money goes into one account?

• 1:04:11Speaker 04

  No, if it were, if it were.

• 1:04:14Caleb Hammer?

  Why don't we? Because then we would have more insights. Again, put it through DollarWise with the automated account connections and insights, you'll know exactly where it's going regardless, but with the, but at least with one account, that makes it easier, right? I don't understand, why not?

• 1:04:25Speaker 03

  Because, again, I just thought it was unnecessary, since there's no money. I mean, what money we're gonna put in there? The, the rent money? I mean, we already pay that in our separate accounts. Like, we just make sure that we have it, and whoever has that money pays it off.

• 1:04:41Speaker 04

  From my point of view, I don't see no benefits in having a joint accounts.

• 1:04:46Caleb Hammer?

  The benefit is, again, more insights, more control. You're able to send out from the bank account. Out. Everything comes in, you know how much is coming in, it makes more sense. Okay, collections. I'm being told this is yours, so you do have that. Apartment? Why do you owe apartment collections?

• 1:05:06Speaker 04

  We broke a lease.

• 1:05:08Caleb Hammer?

  Why? Who's we?

• 1:05:09Speaker 04

  The apartment was applied on my name at first, because this is the apartment that we moved into when I was, instead of me moving in with my mom, I moved in with her.

• 1:05:17Caleb Hammer?

  Also, you just moved out. I don't think you broke it. If you broke it, you would have a little payment thing that you could make with that.

• 1:05:21Speaker 04

  Yes, we moved.

• 1:05:21Caleb Hammer?

  Or you broke it and didn't pay it.

• 1:05:23Speaker 04

  Yes, so in the process, in the process of us breaking the lease, what happened with that is, we had a car, we had a car. And the apartment complex has parking. A small parking, uh, like small parking apartment complex and everything like that. They have a section where you have guests and residents.

• 1:05:42Caleb Hammer?

  Yeah, that's normal.

• 1:05:43Speaker 04

  And then you have also spots, uh, they're like reserved for people who actually pay for spots. Everything, everything, even from the guest spots was taken.

• 1:05:52Caleb Hammer?

  That's normal. That happens. Yeah.

• 1:05:53Speaker 04

  And then, um, they for, they put, they put me in some position where I had to park in a guest spot. Then apartment complex switched up their parking situations like four, five times.

• 1:06:03Caleb Hammer?

  Okay.

• 1:06:03Speaker 04

  And then the past two times, they ain't let us know anything. No, they will send like a notice or a text or anything like that. The past two times, they ain't do nothing. So.

• 1:06:12Caleb Hammer?

  So you bail on your apartment, your credit forever? Like what?

• 1:06:15Speaker 03

  He ca, his car got.

• 1:06:16Speaker 04

  My, my car got towed due to the fact that.

• 1:06:19Caleb Hammer?

  That's annoying. So you pay the bill, you get it back, but.

• 1:06:22Speaker 04

  And then we, and then we told them.

• 1:06:23Caleb Hammer?

  Five hundred to six hundred. This is four thousand seventy-nine. Which one's worse? Like, yes, that's annoying. I, I'm with you that that's annoying. I got that.

• 1:06:30Speaker 03

  Well, also we broke it because we were literally a month away from giving birth to our first son. So the apartment complex refused to change the, um.

• 1:06:42Speaker 04

  The main, the, the, the main is for the.

• 1:06:44Caleb Hammer?

  So?

• 1:06:45Speaker 03

  So I didn't want my kid to be crawling in this dirty carpet.

• 1:06:50Caleb Hammer?

  Clean it! Get a carpet cleaner for like two hundred dollars on thumbtack. I use them. They come clean my rugs and I have a decently sized house. It's not that expensive. That, two hundred dollars to get your carpet cleaned or four thousand. Which one's better? Five hundred dollars to get your cu, car untowed or four thousand dollars. Which one's better? Guys, standing up to the man just you.

• 1:07:17Speaker 03

  It did.

• 1:07:18Caleb Hammer?

  And now I'm, I'm guessing your guys' credit's so with his collections and everything. Good luck moving from your current place if you need to.

• 1:07:23Speaker 03

  We try.

• 1:07:24Caleb Hammer?

  Exactly. No, you'll never be able to. Is your nice, is your new place at least decent? You like your new place? Oh, great.

• 1:07:31Speaker 04

  See, here's the thing, as far as places that we're in right now, she, that's another thing we need to talk about. That was something that I was also excluded off from as well. So, in the midst of us trying to get inside the house, she already had plans on what the house looked like and everything like that. She only told-

• 1:07:46Caleb Hammer?

  A house? You guys have a house?

• 1:07:48Speaker 03

  That's the house we're renting.

• 1:07:49Caleb Hammer?

  But you don't like it?

• 1:07:51Speaker 04

  I don't-

• 1:07:51Caleb Hammer?

  It's a house.

• 1:07:52Speaker 04

  I'm gonna say, it's the house that, a house is a house, but the fact that I was excluded on like what the house looked like, like the whole process of us moving to the house, I ain't know nothing until we actually officially got there.

• 1:08:03Caleb Hammer?

  Well, who cares?

• 1:08:04Speaker 04

  I care.

• 1:08:05Caleb Hammer?

  I mean, yeah, that's nice, but like, we're just trying to get more space for the kid, I assume.

• 1:08:09Speaker 03

  Yeah.

• 1:08:09Caleb Hammer?

  But even still-

• 1:08:10Speaker 03

  Waiting for the dog.

• 1:08:10Caleb Hammer?

  But you don't even like it, and you picked it?

• 1:08:12Speaker 03

  Well, I didn't know when I got there, the reason we-

• 1:08:15Caleb Hammer?

  Why don't you like it? And you can't move now?

• 1:08:17Speaker 03

  The reason why is because there was no lease, there's no lease, so if, there's no breaking the lease.

• 1:08:22Speaker 04

  And then she only liked it because it was convenient to stay by her mom, because her mom was-

• 1:08:24Speaker 03

  It's five minutes from my mom.

• 1:08:26Caleb Hammer?

  Yes, that's good, especially if she's daycare.

• 1:08:27Speaker 03

  It has a backyard for the dog.

• 1:08:28Caleb Hammer?

  That's good too, what's the issue?

• 1:08:30Speaker 03

  So, the issue is that it's now kind of falling apart, it's, there's no, there's no maintenance.

• 1:08:36Caleb Hammer?

  But you're not on a lease? Isn't that good?

• 1:08:38Speaker 03

  Yes, that's why I tried to move into an apartment, and that was not, like, so we pay one thousand five hundred-

• 1:08:44Caleb Hammer?

  Because no one will accept you anywhere. I mean, you have to be like a mom, pa, and just explain the situation, but, I mean, you're still probably considered too risky.

• 1:08:51Speaker 03

  They're still not, yeah.

• 1:08:52Caleb Hammer?

  Who the f would run to you guys? Absolutely not.

• 1:08:55Speaker 03

  So-

• 1:08:56Caleb Hammer?

  Who would?

• 1:08:56Speaker 03

  I mean-

• 1:08:57Caleb Hammer?

  Like, I'll get your credit, this is disgusting.

• 1:08:58Speaker 03

  In my thought process, I'm like, we paying one thousand five hundred, we can definitely pay nine hundred dollar apartment, and so that's why I applied.

• 1:09:06Caleb Hammer?

  How it works, girl? Nope, you f- Okay, yeah, so, I mean, that's shit, I mean, makes sense. I don't know, now some collections and you can't, I mean, I would- You're gonna have to negotiate that down to like two thousand, I don't necessarily want to borrow for it, I don't know. But it's preventing you from moving, yeah, that's, that's gonna hurt you longer term.

• 1:09:28Speaker 03

  It really is, it really is, and trying-

• 1:09:31Caleb Hammer?

  Collections money key? What's money key? Oh, that sounds like you, what is it?

• 1:09:36Speaker 03

  I was alone to pay for rent.

• 1:09:39Caleb Hammer?

  Why?

• 1:09:41Speaker 03

  Cause I didn't have, we didn't have the money.

• 1:09:42Caleb Hammer?

  Yeah, but you could have worked. I know you weren't and your mother was there.

• 1:09:46Speaker 03

  No, this is back in.

• 1:09:48Caleb Hammer?

  How close was she?

• 1:09:49Speaker 03

  My mom? Forty minutes.

• 1:09:52Caleb Hammer?

  Okay, even still, then you drive forty minutes, drop the kid off, go work your ass off and drive forty minutes. Life has been great all the time. You have to make sacrifices. Now you're doing payday loans that are now in collections. That's what happens.

• 1:10:06Caleb Hammer?

  So what the?

• 1:10:08Speaker 03

  Well, I just, I'm just.

• 1:10:10Caleb Hammer?

  It's only seven hundred too. Like, I mean, yes, that, uh, that, don't get me wrong, seven hundred is an impactful amount of money. You spent nine hundred going out to eat last month.

• 1:10:20Caleb Hammer?

  You could get this off your credit. Save that nine hundred dollars twice. You might be able to negotiate your apartment collections down.

• 1:10:27Caleb Hammer?

  You guys have an escape path here with how much you spend.

• 1:10:30Speaker 04

  So you telling us to?

• 1:10:31Speaker 03

  Honestly, we didn't know we were spending that much on.

• 1:10:33Caleb Hammer?

  No shit.

• 1:10:34Speaker 04

  So you telling us to maneuver from fast food to saving?

• 1:10:38Caleb Hammer?

  Cooking at home.

• 1:10:42Speaker 03

  Yeah. Okay. Well, we're, I still feel like we're living in the trenches. So it's like we not.

• 1:10:48Speaker 04

  Uh, here's a, so here's a, here's a stereotypical black term. So my grandmother, before she passed, she told me, she always told us about a saying called catcher's catch can. So.

• 1:10:57Caleb Hammer?

  What? Say it again.

• 1:10:58Speaker 04

  Catcher's catch can.

• 1:11:00Caleb Hammer?

  Catcher's catch can?

• 1:11:02Speaker 04

  Yes.

• 1:11:02Caleb Hammer?

  Okay. Yes. Explain.

• 1:11:04Speaker 04

  So you're in the kitchen. You're the catcher. You catch what you can in the kitchen.

• 1:11:07Caleb Hammer?

  Is that bottoming?

• 1:11:09Speaker 04

  Who?

• 1:11:09Caleb Hammer?

  Okay, continue.

• 1:11:10Speaker 04

  No, that's it. So I was saying, so you're in the ket, you're in the kitchen. So you're hungry. You play, you, you are the catcher. So you, you in the kitchen, you catch what you can to fix, to feed yourself. So you catcher catch can.

• 1:11:23Speaker 03

  Saying make hot dogs.

• 1:11:25Caleb Hammer?

  Okay. So essentially it's a weird way of saying eat what's at home.

• 1:11:29Speaker 03

  Pretty much.

• 1:11:30Caleb Hammer?

  Okay.

• 1:11:31Speaker 03

  Okay.

• 1:11:31Caleb Hammer?

  Could have just said that, but yeah, yeah. Guess we need a saying for everything.

• 1:11:35Speaker 03

  He preaches that all the time, but he doesn't.

• 1:11:37Caleb Hammer?

  There, I have a saying. You guys are poor and.

• 1:11:42Caleb Hammer?

  Fix that. There you go. Follow that saying. That'll get you places.

• 1:11:45Speaker 03

  Dang. Well.

• 1:11:48Speaker 04

  I think.

• 1:11:49Caleb Hammer?

  Fix that. Don't forget the fix it part.

• 1:11:50Speaker 04

  Bob the Builder style, right?

• 1:11:52Speaker 01

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

• 1:12:22Caleb Hammer?

  Yeah, Bob the Builder. Yeah. Yeah, yeah, yeah. We love Bob the Builder. Ah, yes, you guys have kids. That's okay. I was wondering. I was like, is that what you're watching for entertainment? It would make sense, but.

• 1:12:33Speaker 04

  No, we watch Dragon Tales and Curious Jorts.

• 1:12:36Caleb Hammer?

  Okay. Good picks. Good picks. That modern slop. I appreciate it.

• 1:12:39Speaker 03

  Exactly.

• 1:12:40Caleb Hammer?

  Oh, that sounds like the kids are growing up in a non iPad. Decent cartoons. I appreciate that. I really do.

• 1:12:47Caleb Hammer?

  Okay, so 700. I don't know why. I don't even, you could get it on payment plan for that, but instead you did for the fat of 2000, but whatever. Oh, to mother. Which mother? Whose mother? I know we both have mothers. Okay.

• 1:12:58Speaker 03

  My mother.

• 1:12:59Caleb Hammer?

  2,500. Why possibly?

• 1:13:04Speaker 03

  For electricity.

• 1:13:06Caleb Hammer?

  Good death, woman.

• 1:13:07Speaker 03

  Yes.

• 1:13:08Caleb Hammer?

  Is there a bill you haven't borrowed against? And when you guys both, right now, you guys make 6,000 dollars a month. Like, you make okay money. Like, very livable, median household income money.

• 1:13:20Caleb Hammer?

  What is the issue here? And that's net. That's not gross. That's net. Starbucks is bull and a waste of money, and you already know that by making your coffee at home and investing the rest. So now, you need to do that with your energy drink as well. Make gamer subs at home for just 40 cents a serving. And honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show, Fat and Fatter.

• 1:13:46Speaker 05

  The number one ranked energy drink is gamer subs.

• 1:13:50Speaker 06

  Literally, the cherry.

• 1:13:51Caleb Hammer?

  Very flavor is insane. Listen, you can also get free samples to see if you like it. Or 10% off your order at gamersubs.gg Or click that link in the description below, type in code CALEB. Stop bleeding out money making minimum payments across multiple high interest accounts. Most Americans are spending hundreds, sometimes thousands of dollars that could be going toward actually paying down debt. Instead of lining some banks pockets. And look, if you're sitting on high interest credit card debt, a car loan at 18% Or, oh my goodness, a payday loan charging you triple digit interest rates. You need to hear this. If you've already cut up the cards and built better financial habits,

• 1:14:33Caleb Hammer?

  but you're still drowning in interest payments, barely making progress, this is for you. I have opened my very own marketplace, a personal loan marketplace that lets you get personalized offers from multiple lenders in one place. You can see if you pre-qualify in minutes and it won't impact your credit score. But here's the deal, this isn't a magic bullet. If you refinance your debt but keep swiping, you're just making the problem worse. You still need to fix the behavior that screwed you in the first place. But if you're serious about getting out of debt faster, you could potentially lower your monthly payment by securing a single payment at a much better rate. Check out the link in the description below to see your personalized offers or go to calebhammer.com. And remember, you've still gotta do the work.

• 1:15:17Speaker 03

  But this is when I was a stay at home mom that I had to borrow this money. Cause even though he had two jobs, he couldn't still afford everything in the house.

• 1:15:27Caleb Hammer?

  Everything that you wanted, by the way, because you were probably still spending money going out to eat. Then you're like, oh mommy, so I need to. Yes, you were absolutely. Yes, you were. Yes, you were. Yes, you were. Yes, you were. Yes, you were. You were getting bullshit. It was displaced bullshit. Absolutely. Amazon, whatever it is. Absolutely. And for a fact, the spending does not get like this where it was not before. Yeah, that's impossible.

• 1:15:48Caleb Hammer?

  You can't tell me that. You wouldn't be borrowing money from your mother. Two thousand five hundred.

• 1:15:53Speaker 03

  Yeah, well, most of it was for light bill cuz it did get shut off. So I didn't want my kids to.

• 1:16:01Caleb Hammer?

  Your light bill got shut off?

• 1:16:04Speaker 03

  So we, I had to.

• 1:16:06Caleb Hammer?

  What month was the shut off?

• 1:16:08Speaker 03

  Ooh, maybe January.

• 1:16:12Caleb Hammer?

  Of?

• 1:16:13Speaker 04

  Probably this year. No, if not this year, then last year.

• 1:16:16Speaker 03

  Last year, I think.

• 1:16:17Caleb Hammer?

  Well, no, no, was it January twenty five or twenty six?

• 1:16:19Speaker 03

  Twenty five.

• 1:16:22Caleb Hammer?

  Guys, was it this year or last year?

• 1:16:23Speaker 03

  I don't, I don't know.

• 1:16:25Caleb Hammer?

  Guys, was it five months ago or last year?

• 1:16:29Speaker 04

  Safely, we don't remember.

• 1:16:31Speaker 03

  Last year, let's say just last year.

• 1:16:32Caleb Hammer?

  No, I need to know exactly. I need to know. Search your chat with your mother. I need to know exactly when the electricity was paid off. Would it be in your chat history?

• 1:16:40Speaker 04

  That's a long, that's a long.

• 1:16:41Speaker 03

  Cuz I talked to her in front of, face to face.

• 1:16:45Caleb Hammer?

  I wanna look at your checking account during that month, but you can't even tell. Of course you're spending money on bullshit. Absolutely. Of course you were. There's no way you weren't. Now, are you on a payment plan or anything? Did you have one kid or two kids when it shut off?

• 1:16:59Speaker 04

  One.

• 1:17:00Speaker 03

  One, yeah, so it was.

• 1:17:01Caleb Hammer?

  But you just don't know one month.

• 1:17:02Speaker 03

  Yeah. So it was last year.

• 1:17:04Speaker 04

  The time period, like that, the time period. A long time.

• 1:17:07Caleb Hammer?

  Was it warm or cold out?

• 1:17:09Speaker 03

  It was getting hotter again, so it would have to be January, February, probably.

• 1:17:15Speaker 04

  Well, this is Houston, so maybe like

• 1:17:19Speaker 04

  it started to get hot like around March, April.

• 1:17:21Caleb Hammer?

  Oh, good death. Oh, good death. How are you guys gonna just make it in life? What the fuck are we doing here? What the fuck are we doing here?

• 1:17:28Speaker 04

  Living on, living on a dream.

• 1:17:30Caleb Hammer?

  What do your parents think about your financial situation currently?

• 1:17:32Speaker 03

  Oh, they, they're.

• 1:17:33Speaker 04

  My mom really doesn't, my parents really don't know much about my finances or don't really know much about what's going on in my own household cuz I keep that discreetly between us.

• 1:17:41Speaker 03

  We don't ask them for financial.

• 1:17:43Caleb Hammer?

  Two thousand five hundred, woman?

• 1:17:45Speaker 03

  No, his mom.

• 1:17:47Speaker 04

  I don't ask my, I don't ask my parents for any financial advice cuz.

• 1:17:50Caleb Hammer?

  Advice? Why?

• 1:17:52Speaker 04

  Just in general cuz my, my, my parents separated when I was ten months old, nineteen months old.

• 1:17:56Caleb Hammer?

  Well, I know.

• 1:17:57Speaker 04

  And then, um, due to that, due to that, due from that point on. Uh, it was really my dad who walked away. So trying to talk to my dad about the advice or anything kind of advice at all is just went left.

• 1:18:12Speaker 03

  He's in worse situations financially.

• 1:18:15Caleb Hammer?

  That's fine. That's fine.

• 1:18:16Speaker 03

  So, but yeah, that's part of it. And then, uh.

• 1:18:20Caleb Hammer?

  And are you honest to your parents about your financial situation while you borrow money from them? Because your dad's up next. Are you honest?

• 1:18:28Speaker 03

  Yes.

• 1:18:28Caleb Hammer?

  Okay, I'm being told specifically no. So tell me the truth, woman.

• 1:18:35Speaker 03

  She does know. It's just.

• 1:18:36Caleb Hammer?

  Parents, because you borrowed 2,500 from your dad as well.

• 1:18:39Speaker 03

  Yeah.

• 1:18:40Caleb Hammer?

  Come on.

• 1:18:40Speaker 03

  They know why I borrowed the money from them.

• 1:18:42Caleb Hammer?

  Yes, but your financial situation overall, do they know that you're spending a thousand hours going out to eat? A thousand two hundred dollars on miscellaneous bullshit instead of paying them back a single dime?

• 1:18:52Speaker 03

  No, the pet, they do not know.

• 1:18:53Caleb Hammer?

  Of course not. Let's call them in the post show. Yes, absolutely. Yes, I will call them and I'm telling them how you're spending your money. Absolutely. I bet she's watching the kids right now, isn't she? Uh huh. We're gonna have a nice little chat. Okay, so why'd you borrow 2,500 from your dad? The English speaking dad.

• 1:19:15Speaker 03

  Insurance for a car.

• 1:19:17Caleb Hammer?

  2,500?

• 1:19:19Speaker 03

  It's been years of him.

• 1:19:22Caleb Hammer?

  This is pathetic. What is wrong with you guys? You're 27.

• 1:19:28Caleb Hammer?

  It's time to grow the. There is nothing wrong with falling onto loving family when you face a hard time. You're not facing a hard time. You're spending money you don't have on bullshit you don't need. It is not improving life. And then you borrow from them for insurance for years. You borrow for the lights because you chose fun over lights. Because you refuse to work even though mother can watch. This is pathetic. You guys make okay money when you both work, which is what you can do. And yet you borrow from them continuously and don't pay them back a single cent? It's pathetic. You should feel pathetic. You should feel ashamed. You deserve that feeling. Now you need to do something with it, but you deserve that feeling.

• 1:20:08Speaker 03

  Well.

• 1:20:09Speaker 04

  Kind of hard to hit me with that feeling because I'm a. No, I don't, I ain't gonna say I don't care too much, but it's

• 1:20:15Caleb Hammer?

  You don't care? You have no pride as a man?

• 1:20:19Speaker 04

  I have pride, it's just haven't hit me like that yet.

• 1:20:21Caleb Hammer?

  How is it not right now? Where's the wake up call? What could I even say to you?

• 1:20:26Speaker 04

  I don't know yet. I'm still trying to figure that part out.

• 1:20:28Caleb Hammer?

  No, I think you just don't give a shit then. And then what's the point of any of this if you don't give a shit? If you don't give a shit, you're never gonna take care of her, you're never gonna take care of the kids. You're never gonna sacrifice anything, you're never gonna cut back on spending, you're never gonna combine accounts, you're never gonna open a budgeting app, you're never gonna educate yourself, you're never gonna have a hard conversation with her without running away like a little pussy. You're never gonna stop cheating, you're never gonna do anything unless you man the up and care about the consequences to the actions that you are doing.

• 1:20:53Caleb Hammer?

  You're never gonna do anything. Maybe you shouldn't say.

• 1:20:58Speaker 04

  I'm staying regardless.

• 1:20:59Caleb Hammer?

  What, even if she wants to leave?

• 1:21:01Speaker 04

  She wants to leave, that's on her.

• 1:21:03Caleb Hammer?

  She can find a copy and paste of you in Houston like this.

• 1:21:07Speaker 04

  It's Houston, so I mean.

• 1:21:09Caleb Hammer?

  Exactly, that's what I'm saying.

• 1:21:11Speaker 04

  But you.

• 1:21:11Caleb Hammer?

  A small, skinny, black guy? Yeah, I think she can find him.

• 1:21:16Speaker 04

  Find him, but main, finding versus maintaining is two different things.

• 1:21:19Caleb Hammer?

  Well, if she can't maintain you, you don't give a shit. The only reason you're not gone is because of child support. You said it yourself.

• 1:21:28Speaker 04

  Right.

• 1:21:29Caleb Hammer?

  Disgusting.

• 1:21:32Caleb Hammer?

  Man up!

• 1:21:33Speaker 04

  Or call that survival.

• 1:21:34Caleb Hammer?

  Survival? What about the survival of your kids?

• 1:21:39Caleb Hammer?

  I'm sorry, I, I've had fun goofing and gooning and whatnot to the, you know, like he, he, he jokes and stuff like that.

• 1:21:50Caleb Hammer?

  But I have to ask, now just like this is a man to man, you know, not, not a racial thing. Man to man though, why don't you want to beat a stereotype that is bad and, and disgusting? I mean, it's a shitty stereotype. It is. It sucks that it exists. It does. We can joke about it and we can have fun.

• 1:22:06Speaker 04

  Right.

• 1:22:06Caleb Hammer?

  Cause we joke about all stereotypes here. It's, it's, it's the fun of the show. But why, why would you not wanna crush that stereotype in like a reality? With everything you just said, you not caring and you not leaving just out of fear for having to give a little bit of money? Why not crush that? Why not try to be a pillar of your community and try to make? Life better and look better and be better.

• 1:22:31Speaker 04

  And that what time was for for to build that experience to make sure that gets it gets to a point like that, right?

• 1:22:36Caleb Hammer?

  Huh?

• 1:22:37Speaker 04

  You you had to build that experience to all the time to get to a point like that, right?

• 1:22:40Caleb Hammer?

  But you said you don't care. You told me you don't care.

• 1:22:44Speaker 04

  Now, the wake up call hasn't hit me yet. I said.

• 1:22:48Caleb Hammer?

  Did what? What can she do then? If she hears that, what the do you expect from her?

• 1:22:55Caleb Hammer?

  At that point, she should leave. I don't know. I don't. I don't want love to break up or a kid did not have a father. But at that point, she should leave. If the guy next to her says he doesn't care, that's it. That's as being a pathetic excuse for a man. If you don't care, if you don't have a wake up call, you still got to put in the effort regardless to step up for the household.

• 1:23:20Speaker 04

  I still go to work. Yeah.

• 1:23:22Caleb Hammer?

  You go to work, but she's just told me you don't care.

• 1:23:24Speaker 04

  If I didn't care, I wouldn't be working at all. But I cared. So I I care about.

• 1:23:28Caleb Hammer?

  Forty hours. I mean, you're doing kind of the basic minimum requirement.

• 1:23:35Caleb Hammer?

  Like you'd be doing the same, even if you're on your own, so you can pay for your own bills.

• 1:23:39Speaker 04

  But I wouldn't be. It wouldn't be as much of debt involved.

• 1:23:42Caleb Hammer?

  Yeah, it wouldn't be as annoying at home. Yes.

• 1:23:47Caleb Hammer?

  I don't know. That's really disappointing, man.

• 1:23:51Caleb Hammer?

  That's really disappointing. So disappointing huh that you even owe to your dad's friend. Seven thousand dollars to your dad's friend. If that isn't a wake up call for how pathetic this household is, I don't know what else could be.

• 1:24:06Speaker 03

  Well, we needed a car. We needed a car. So because we were down to one car and it was a beat up car and it gave up. It gave up us. It gave up on us. Um, so we had zero cars.

• 1:24:23Speaker 04

  The cars that I will receive, the cars I was beginning, it'll always be broke down or be wrecked. And I think right now we're on our, I think, I'm on my third car.

• 1:24:33Caleb Hammer?

  Yeah. So happens when we're getting cheap beaters, this is going to be even worse over time. So I want to get a 10,000 hour car at a minimum that is approved by multiple mechanics before we leave. So are you are you paying on this to the dad's friend? Of course not. Why would we? What a joke. What is, so does this car still exist today? This one, what is it?

• 1:24:54Speaker 03

  It's a twenty-

• 1:24:56Speaker 04

  Seven, twenty seventeen Buick Encore.

• 1:24:58Speaker 03

  Buick, and it's broken down.

• 1:25:00Caleb Hammer?

  It's just, I asked if it's being driven to-

• 1:25:02Speaker 03

  It broke down, literally.

• 1:25:04Speaker 04

  So, right now-

• 1:25:05Caleb Hammer?

  Did you guys drive to get over here?

• 1:25:07Speaker 03

  My car.

• 1:25:08Caleb Hammer?

  Okay, so how are you getting places?

• 1:25:10Speaker 04

  I would take my, I have my dad, since my dad work with my dad, I have my aunt work with my homeboy. I have them take me from, from work and take me home.

• 1:25:17Caleb Hammer?

  Why didn't we do that? Instead, just, and just-

• 1:25:20Speaker 03

  He said that he don't wanna be, cuz he said that his dad, i- i- it's, he feels like he's a bother, he don't wanna-

• 1:25:27Caleb Hammer?

  Yeah, you are, but you're a bother of your household now, you're a bother of her dad's friend. You're a bother of your dad. It's okay-

• 1:25:34Speaker 03

  I told him this, I was like, I was like, I'm willing, look, I'm willing to take you to work at fi- at four in the morning-

• 1:25:41Caleb Hammer?

  Yeah, there you go, she's even willing, what the f- is wrong with you?

• 1:25:44Speaker 03

  And he said, no, that's too much, and-

• 1:25:46Caleb Hammer?

  I'm bleeping it, what's your address?

• 1:25:47Speaker 03

  Four, five-

• 1:25:48Caleb Hammer?

  Oh my goodness, you guys don't even barely live that far out of the city. I guarantee you, you can find a bus nearby. Okay, what's the address for your work?

• 1:25:59Caleb Hammer?

  Ah, you can bike there!

• 1:26:02Speaker 04

  Yeah, eighteen twenty minutes, right? Yeah.

• 1:26:04Caleb Hammer?

  Oh, you little cunt!

• 1:26:09Caleb Hammer?

  It's gonna be a little bit more of a bike, but like a motorized bike or a f- and moped, man. Moped, you know what? It's two turns. Two turns! Whoop, whoop. Uh, oh, sorry, okay, one turn, two turn, and you're there. That's all it is, it's a straight shot! It's a straight shot, airport to Scott, to the f- street you'll work on. What is wrong with you? Borrowing money for this f- car. I mean, it's, it would be a brutal walk, I'm not suggesting doing the walk, especially in Houston, good luck.

• 1:26:43Speaker 04

  And then-

• 1:26:43Caleb Hammer?

  The bike ride, I mean, yeah, it's gonna take you like thirty minutes, but I, I, I, let me see. Okay, public transportation, no, it actually, they can't find a way there, cuz it's Houston, it's pathetic. But you can moped. You could get a moped that's not gonna break down, and I know it rains a lot in Houston, get a little raincoat, I know, it's not perfect. But look at what you're having to do, look at what you're having to do, if you're not willing to sacrifice any, that's- Okay.

• 1:27:07Caleb Hammer?

  So what are we gonna do with the car that's broken down, the B-Ork?

• 1:27:10Speaker 04

  Between trying to make a way to try to fix it, or give it up.

• 1:27:15Caleb Hammer?

  Well, how much is it gonna cost?

• 1:27:17Speaker 03

  To fix it?

• 1:27:18Speaker 04

  To fix it.

• 1:27:19Caleb Hammer?

  You got a quote?

• 1:27:20Speaker 04

  So parts is like $393, labor is $690.

• 1:27:25Speaker 03

  So $900 and something.

• 1:27:26Speaker 04

  $984 total.

• 1:27:28Caleb Hammer?

  Guys, you spent that going out to eat?

• 1:27:33Caleb Hammer?

  Okay, your mom's friend, you borrowed $3,000. You guys are pathetic. This is the most pathetic borrowing I've ever witnessed. What do you owe to your mom's friend? What?

• 1:27:43Speaker 03

  That was a down payment for the car.

• 1:27:45Caleb Hammer?

  Oh, good death. So down payment from mom's friend was given to dad's friend for the car that you borrowed $7,000 from dad's friend.

• 1:27:53Speaker 03

  And still.

• 1:27:53Caleb Hammer?

  What a joke. Are you paying her?

• 1:28:03Caleb Hammer?

  I really hope.

• 1:28:04Speaker 03

  We're working on it.

• 1:28:05Caleb Hammer?

  We're working on it. Either you're doing it or you're not. So shut the up.

• 1:28:11Caleb Hammer?

  I really hope, I pray, that your kids watch this at 15, or 16, or 17, and they see that their parents improved. And this is where they came from. Cause they don't give them a good kick in the ass for their life. Seeing how bad their parents were, and that they made it work because they sacrificed a little.

• 1:28:31Speaker 03

  Yeah.

• 1:28:31Caleb Hammer?

  But if they watch this, and they're 16 and 17, and it's just as bad, if not worse, they should be ashamed.

• 1:28:39Speaker 04

  That was looking as more or less a sip of salt from them.

• 1:28:43Caleb Hammer?

  Yeah, you should cry about that. You should.

• 1:28:46Speaker 03

  I feel like.

• 1:28:47Caleb Hammer?

  Yeah, you're being a shitty parent. Yes, you are. Financially, yes. You are financially, yes. Not necessarily morally.

• 1:28:55Speaker 03

  I hate borrowing. I hate owing people.

• 1:28:58Caleb Hammer?

  Do you? Cause you do it every five seconds of your life. Like, I would cry with you if it wasn't proven against. Like, I don't think you guys are necessarily morally bad people or the cheating and so on.

• 1:29:08Speaker 03

  That's crazy.

• 1:29:09Caleb Hammer?

  Um, like, I don't, you know, you don't beat each other, right?

• 1:29:13Speaker 03

  No, no, no, no.

• 1:29:15Caleb Hammer?

  Okay.

• 1:29:15Speaker 03

  I went through that already now.

• 1:29:16Caleb Hammer?

  I can't define you as an overall bad people, but as far as on the show, yes, you are. You are, but you don't have to be forever. Right now doesn't define your entire future and the past doesn't define right now. What happens in the future is up to you. But you don't give a, you don't have a wake up call and you just keep borrowing and sacrifice nothing. You just want to eat. To the landlord, to your current landlord that you don't even have a contract for. You owe fifteen hundred for what?

• 1:29:39Speaker 03

  For rent, but we already paid half of it.

• 1:29:42Caleb Hammer?

  Okay, so it's seven fifty, but you still owe monthly on top of that, right?

• 1:29:46Speaker 03

  Hmm, just this month. It's just this month that we owe.

• 1:29:49Caleb Hammer?

  Okay. And then next month, what? You don't owe rent next month?

• 1:29:53Speaker 03

  Yeah, so we're late again. So we're always late on rent.

• 1:29:56Caleb Hammer?

  Oh, good death. Good death. Yet, okay, how can you be late on rent and still go out to eat? That makes no sense to me. You owe a parent. Okay, you're just being a selfish dick, but

• 1:30:09Caleb Hammer?

  what the, you, you're late on rent and you're going out to eat? That's insane.

• 1:30:15Caleb Hammer?

  Yeah, why not? Student loans pass due, sure. Are these federal?

• 1:30:18Speaker 03

  I believe so.

• 1:30:19Caleb Hammer?

  Oh, you're gonna get garnished. If they're passed due, they're gonna get defaulted on and they're gonna get garnished and you're gonna lose like thirty percent of your paycheck, which you can't afford. So get on a repayment assistance program. That's what was passed through the BBB last year, okay? That's the new payment system. You can get on it. You're lower income. You can get on as low as one, two, three percent of your income. So call them immediately and figure this the fuck out, okay? Good death. I'm gonna bet it's like a twenty-five dollar payment after that. Bro, come on. Did you even, did you get a degree?

• 1:30:49Speaker 03

  No.

• 1:30:51Caleb Hammer?

  I dropped out too. It's okay. It just depends what you do with your life after that.

• 1:30:54Speaker 03

  Right, but obviously not good.

• 1:30:58Caleb Hammer?

  Six, yeah, I mean, I think student loan borrowers, like forty percent of them don't have a degree, if I'm not mistaken. So, I mean, it's, it's not over surprising, but what were you studying?

• 1:31:06Speaker 03

  I was a marine biologist major.

• 1:31:11Caleb Hammer?

  Sure. Six thousand five hundred.

• 1:31:17Caleb Hammer?

  You need to call them now. Get on like a $25 payment or else it's gonna get garnished and they're gonna steal like $200 a month from your paycheck cuz it's the government. They can do that. 227 in our time account. We do love time. Time's great. Sign up time.com/ Caleb. Get your $200 for free. You'll have just as much as they do in their time, literally in free money just by signing up. That's bad.

• 1:31:43Speaker 03

  Mm hmm.

• 1:31:43Caleb Hammer?

  Well, you started with 98. That's even worse. Oh, we're doordashing Hawaiian bros. Okay, this is pathetic. What a joke. Behind on rent? Go off. Amazon, Amazon, Timu. Church, you're donating $250 to the church?

• 1:31:59Speaker 03

  Yeah.

• 1:31:59Caleb Hammer?

  When you can't afford your own rent? The church gives people money to help pay their rent. You're not giving the church money right now. You're the people the church helps. Do you understand that? You can give more to the church when you have more money, when you get rid of debt. I'm not saying don't do your religious obligations.

• 1:32:13Speaker 03

  It's a must.

• 1:32:14Caleb Hammer?

  Huh?

• 1:32:15Speaker 03

  It's a must.

• 1:32:16Caleb Hammer?

  No, it's not. The church gives you money when you're in your position.

• 1:32:18Speaker 03

  We don't tell the church. We don't tell. We don't tell.

• 1:32:21Caleb Hammer?

  You should. That's what the community of the church is for typically. Talk to the pastor about your financial situation. See what the pastor says. Okay? You can give more money to the charities or whatever of your choice when you sacrifice, get out of debt, have an emergency fund and have money invested. You can give more over the course of your lifetime than continuing to give a little bit of money now while you're poor. Also, $250 is insane for your financial position. Let's just be honest.

• 1:32:47Speaker 03

  Yeah.

• 1:32:48Caleb Hammer?

  What do you think about that?

• 1:32:50Speaker 04

  Now, she's the one who got me into tithing for the church. So I was with it as far as donating for the church.

• 1:32:55Caleb Hammer?

  I'm down for, but you guys are poor. They would give you money typically. Churches give money to the poor.

• 1:33:02Speaker 03

  I mean, it's a must. I can't.

• 1:33:05Speaker 04

  Maybe it's just.

• 1:33:05Caleb Hammer?

  No, talk to the pastor. See what he says. Talk to the pastor. I bet if you say, I can't afford to keep the lights on, minus the pastor would be like, girl, you're.

• 1:33:16Speaker 03

  No, I still have to do my thot. Sorry.

• 1:33:19Caleb Hammer?

  You're not willing to see what the pastor says? Wouldn't he be a better authority than you?

• 1:33:24Speaker 00

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• 1:33:53Speaker 03

  I, I mean, I have to swallow my pride.

• 1:33:56Caleb Hammer?

  You're broken. So all your pride, so all your McDonald's, McDonald's, Chipotle, McDonald's, Amazon, Amazon, Torchy's Tacos, Little Caesar's, Foodarama? Fuck, why not? Bullshit McDonald's, McDonald's, McDonald's. Bullshit. But your door dashing Aldi, Chuck E. Cheese, sure, makes sense for the kids, but you don't have to get food there and shit. Bullshit. Apple Cash, balance added 250 bucks. What is wrong with you? $520. Even worse, SP everyday dose?

• 1:34:27Speaker 03

  That's mushroom coffee.

• 1:34:30Caleb Hammer?

  What is wrong with you? You're a joke. Subway, McDonald's, McDonald's, Amazon, Amazon, McDonald's, Walmart. Walmart? But it's bullshit. It's $3.15. You're not getting anything necessary from there. Bullshit. Apple Cash. What a joke. Time, yours, negative $40.

• 1:34:49Caleb Hammer?

  Yeah. Oh, good bullshit, Kirby. Bullshit. And you're getting energy drinks.

• 1:34:57Speaker 03

  Yes, yes.

• 1:34:58Caleb Hammer?

  Gamer subs, you're making your energy drinks at home, just like your coffee at home. There's a Steve Harvey one, if you'd prefer that, on their website. All right. Get that, get your free samples, figure out what flavor you like, then use the 10% discount code Caleb, link in the description below as well. Just use that link. Make your energy drinks at home, just 40 cents a serving, no more of this $4.72 like he did at Kirby Express. Then your door dashing Papa's BBQ. Your ATM withdraw going to the strip club, 63 bucks.

• 1:35:26Caleb Hammer?

  Or probably cat weed. More withdraw. Apple. Chipotle. I forgot it. No, because it may maybe. Uh, Chipotle, McDonald's, Cash App. Bullshit, bullshit. Cash App. Bullshit McDonald's, Jack in the Box. You guys don't give a. You just want to eat every second of your life out to eat. This is disgusting. Bullshit. But energy drink. China Cafe, Xbox, Jack in the Box, Apple Cash Out, Popeyes, Apple Cash.

• 1:35:55Speaker 04

  You got a little Popeyes huh?

• 1:35:57Caleb Hammer?

  Fresh Donuts, huh?

• 1:35:58Speaker 04

  You got a little Popeyes huh?

• 1:35:59Caleb Hammer?

  I do love Popeyes. Hey, I mean, it makes me shit liquid, just absolute dookie, but so I don't. Unfortunately, but hmm, it's good. Yeah. Yeah, good times, good times. Spotless. Oh, car wash in Houston. You don't need that. McDonald's, McDonald's. Especially your car's like broken. Energy drink McDonald's. Well, while your dad drives you. This is disgusting. DoorDash again. ATM withdrawal again. ATM withdrawal again.

• 1:36:26Caleb Hammer?

  Energy drink. Domino's Burger King, energy drink McDonald's, Amazon. This is pathetic. This is disgusting. You guys are just. You don't care. You spend all your money and you make no money and you want to quit your job and it's just. You guys have just given up on life and you're just trying to get all the food down y'all's throats.

• 1:36:45Caleb Hammer?

  Let me figure out your budget. What the? Oh.

• 1:36:52Caleb Hammer?

  She did something as a revenge. Okay, we're gonna get into it. This is crazy, but we're gonna get into that in the post show. Oh my, when you cheated, she did something that you don't know about. She's using this as a platform to talk about it. Your anxiety should be spiking. This is not, this is crazy. Okay.

• 1:37:11Caleb Hammer?

  You're disgusting. What is wrong with you? You're a bad person. Okay. Fuck, I'm jumping ahead. Okay, 5,500 your income, just about. Debt payments. Dude, you're gonna be pissed.

• 1:37:24Caleb Hammer?

  We checked him. We checked his weapons, right? Okay, eighty dollar minimum payment. I don't know how the you guys can't even do that shit. What's your rent?

• 1:37:32Speaker 03

  A thousand five hundred and fifty.

• 1:37:34Caleb Hammer?

  What's your utilities? Internet, gas, electric, all that combined?

• 1:37:38Speaker 03

  Electric is probably like two hundred and fifty. You said gas?

• 1:37:43Caleb Hammer?

  Yeah.

• 1:37:43Speaker 03

  For me is...

• 1:37:45Caleb Hammer?

  Gas, house gas, is it not?

• 1:37:47Speaker 03

  No.

• 1:37:47Speaker 04

  No, we have electric.

• 1:37:48Caleb Hammer?

  Okay, is there internet? How much?

• 1:37:51Speaker 03

  Uh, internet, sixty bucks.

• 1:37:54Caleb Hammer?

  Okay, three ten. Okay, gas, room, room, drive, drive, how much?

• 1:37:57Speaker 03

  I do...

• 1:37:58Speaker 04

  Between both vehicles or just one?

• 1:37:59Caleb Hammer?

  Yeah, both.

• 1:38:00Speaker 03

  Me is just fifty-three dollars per week.

• 1:38:03Caleb Hammer?

  And you?

• 1:38:04Speaker 04

  Hmm, same, about fifty a week.

• 1:38:07Caleb Hammer?

  Okay, we'll call it, uh, four twenty. Uh, very good. Car insurance, how much?

• 1:38:14Speaker 03

  Uh, like, three hundred.

• 1:38:18Caleb Hammer?

  For both?

• 1:38:19Speaker 04

  Yeah.

• 1:38:21Caleb Hammer?

  Okay, phone bill?

• 1:38:23Speaker 03

  Uh, one hundred and eighty for both.

• 1:38:26Caleb Hammer?

  Okay, do helium. Once your phones are paid off, I'm assuming they're not with that bill. Okay, groceries. Uh, what's the two-year-old eating?

• 1:38:33Speaker 03

  Uh, chicken, meat, same.

• 1:38:37Caleb Hammer?

  Okay.

• 1:38:37Speaker 04

  Almost every, almost, yeah.

• 1:38:38Speaker 03

  They eat almost...

• 1:38:39Caleb Hammer?

  Good, good plan. Eight hundred, very good. TP fund, anything else you and the family need to survive, three hundred bucks? Health care, okay, any, uh, minimum, uh, copays and whatnot, monthly basis?

• 1:38:50Speaker 03

  We don't, I don't have health insurance.

• 1:38:52Caleb Hammer?

  Why?

• 1:38:53Speaker 03

  Because I miss my deadline at work.

• 1:38:56Caleb Hammer?

  Two hundred dollars, you're getting on at least a minimum. Okay, uh, subscriptions, we'll try like seventy bucks between you both. You have any pets? Yeah, you got the dog. Uh, fifty-dollar pet insurance, because you can't afford an emergency. How much for pet food?

• 1:39:08Speaker 03

  Uh, maybe like sixty a month.

• 1:39:11Caleb Hammer?

  Okay, is there a gym?

• 1:39:14Speaker 03

  Not anymore.

• 1:39:15Caleb Hammer?

  Okay, anything else that needs to be in this budget that I have not taken in account yet?

• 1:39:23Caleb Hammer?

  Okay, you guys have wiggle room. I'll give you about a thousand dollars a wiggle room.

• 1:39:27Speaker 03

  In that first debt, correct? Like to pay it off, because we want to.

• 1:39:31Caleb Hammer?

  You have a thousand dollars left on a monthly basis, about a thousand one hundred, but I'm just gonna round it to a thousand to be safe. Listen, with that, yeah, I mean, your minimum three payments that you have, the credit one, we need to pay that off. I mean, you pay that off in the first month. And the student loans you get on the minimum, you don't touch it, other than the minimum on the RAP plan. And the bed, you pay off the bed and two months, so in three months, we have all debt paid off besides collections. And family, after that, you just start negotiating it down. We deal with the collections and then the family. We get on a minimum family plan. I mean, even just small amounts, so they can see it coming in. And it's the same amount that went to your bed in credit one. That way, they can at least feel the difference and your budget doesn't change.

• 1:40:13Caleb Hammer?

  And at that point, you're just saving up two thousand for two months. You pay off the apartment. You pay off the fucking collections that you had at seven hundred dollars like that. And then you start grinding away with the family. This shit isn't hard. This is done in like a fucking year, year and a half, and then you get a fully funded emergency fund. And yeah, you keep working. I don't give a shit. And you should pick up extra shifts. So you can pay off that quicker. Then we get a fully funded emergency fund. Then you guys live fifty thirty turning, which you totally can with your income. Fifty percent on needs, thirty percent on wants, which is a good amount of money on wants, which you finally get to have again. But you have to cut your budget down to zero, which I don't believe you guys can, because your spending is insane. And then twenty percent going to savings, so you have a chance of retirement. Okay, that's what you guys are doing. Okay, I gotta get in this post show, because this is about, ain't to be insane, the shit that she did behind your back when you cheated.

• 1:40:56Caleb Hammer?

  I'm glad you're using this platform to finally come clean. Let's get the Hammer Financial Score first. Spending in a budget, zero out of ten debt, there's collections, zero out of ten emergency fund, there's nothing, zero out of ten. Retirement, there's nothing, zero out of ten. Real estate, there's nothing, zero out of ten. Hammer Financial Score, zero out of ten. Get yours at CalebHammer.com. Now click that join button. Join Hammer, lead the best membership on YouTube with three shows, three premium incredible shows every single day, six days a week. Including the extra twenty minutes of this episode, the Financial Auto Post Show. It's, that's gonna be wild. I'll see you there.

• 1:41:22Speaker 03

  Because you decided to cheat, I decided to step out and cheat more than you did.

• 1:41:30Speaker 04

  So what do you mean?

• 1:41:31Speaker 03

  So I decided to cheat back and actually. Text my ex.

• 1:41:36Speaker 04

  The same ex who beat you up and stuff like that. The same ex you talk that much crap about. The same ex who I tried to save you from is the same ex you.

• 1:41:43Caleb Hammer?

  Wait, what'd you do though? What'd you do though?

• 1:41:45Speaker 03

  I went to his house meetup and a couple of drinks and it was good.

• 1:41:53Caleb Hammer?

  I just launched the brand new Hammer Elite app, available on every major platform. To celebrate the app launch, I'm offering 30% off the annual plan in the month of June only. Plus, I have an exclusive offer just for you. But I'll only have 1,000 available to purchase. You'll get lifetime access to the entire Hammer Elite catalog and my Hammer for Life box packed with limited edition merch. Download the Hammer Elite app by using the link in the description or pinned comment down below. This is the best membership you'll ever join, and that's a promise.