Affair Exposed On Financial Audit

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24:56Oh, no, they were a day apart. I'm not 100 % sure, but no. Multiple ones. How long ago? Yeah, the most recent month. This year? Yes, multiple months into this year. Absolutely. He's been paying for a lot. In fact, he tried one in February. He tried one in March, and then another one end of March. He's actually subscribing to a lot of OnlyFans people. Why? No, no, no, no, no, no, no. No, you objectively are. They're right here. You can see them. Why? Yeah, but, like, the thing is. Like, you can't just say no. Like, they are. They're right there. Why? I, I, okay, so.

25:36I'm sorry. Listen, here's the reality. The reason I'm bringing this up. You want him to propose to you. He's not proposing to you. Your guys' sex life are a disaster. You won't talk. You won't communicate. He won't propose. but he'll actually go and subscribe to only people even though you've had a hard rule not to because he had a poor addiction in the past. Yes. And now he's literally paying for multiple OFers a month. Well, I feel like... Multiple OFers a month, dude. This is a f***ing cope. Any kind of rebuttal to that is insane. But I feel like our sex life has been going down since our first two years and I feel like...

26:11But that's cheating. It is cheating. Here's one of them. That's cheating. Oh, Jesus. You're so... That's so bad. Yeah, that is pretty bad. But in a way... And my dad's gonna see this. Yes, he... Good luck. Yeah, that'd be a conversation. But your dad watches... No, he doesn't! I know this one. Why would I... How do you know this one, Caleb? I've never paid for it, but she's everywhere on social media. She's the one that goes on to Lamborghinis and like smashes the windows. Honestly, that's why I purchased that one. Because I was curious. A month ago, but by the way... It was... They're fake. They're fake.

26:45And they're not very good. because you can see the purchasing price it was like$5.99 why do you even have it it was a deal he thinks this is a joke is this a joke to you because he's actually treating it as one it's not a joke he's legitimately treating it like one it's not a you said you got it because it was on sale it was risky pictures you could post on Instagram it was bikinis no dead ass dead ass I know her no dead ass that whole month it was just lingerie purchase it it was not yes swear bro's gonna chat hopefully not and here's the other one those are his most oh okay okay I know why I got that one she's because she like that's his most recent this year The most recent.

27:44Yes, from here. And this one's the one he's currently following. I currently follow somebody? Yes! Asshole? Yeah. Yes! You're such a prick, dude. You're such a liar. Her. That's who he's currently on. So you're watching? But that's free. It's only if it's an app? Or you have to search it? It's a website. So you searched it? No. Yes, you did. You probably have an account. I do have an account, but I got it before you. And, yeah, I was just doing it because there was deals and they're kind of promoting it. That's so weird. That's so weird. But the thing is, I stopped. I did cancel. Dude, right before you came on the show, which is what everyone does, dude, you got caught.

28:39Yeah, I did. 4K. And that's it. Yeah. What do you think? What are your actual real thoughts? I know you're playing like, you're playing chill. Maybe your mom has an extra room for you. Are you actually thinking that? Well, probably. Or are you just joking? Because all her sons moved back in. Yeah. So just family reunion. Okay. Thank you, big guy. Oh, for real? Yeah. Here you go. So, you've been afraid and anxious of him leaving. Mm-hmm.

29:23And of him looking at other girls and all that stuff. And then you caught that. Yeah. Did he cheat? That's cheating. That is cheating. You're paying for it. What do you think about it? Yeah, how was he going to pay for it? Come on. I don't know if you're just not able to stand up for yourself or what. I think that I'm really shocked. I have no idea what to say. I did not know that he was doing that at all.

29:49The thing is with that, I feel like in a way. I'll pack his bags. See, you laugh. You laugh about it. Is that a joke? No, I for real will. I have locked him out before. She has. Why? So I was getting this tattoo right here. and he was taking too long. No, that was a different time. Like the most recent one. What was the most recent one? He went out with some friends like in Denton and didn't text me back. Oh, I was playing basketball with my friends. For like eight hours. Because we were talking about catching up on life. He was supposed to be doing Spark. Okay, well, tell him on his side for a second.

30:25Let the dude flip. Like, why do you have to be like... No, no. I haven't hung out with my friends. Every year, I talk to them one time. Like, as long as he says he's going out, like, you're okay. No, he didn't tell me. He said, I'm going to go do Spark. Because she always says no, Caleb. Okay, yeah, but if you... She always says no for me to hang out with my friends. That's weird. He's a grown adult. He can go do it. He just don't do it. But then you lock him out. No, she... He knows the consequences for what happens when he's... Because he's kind of with a crazy bitch. It's so easy. He watches him on cameras at work.

30:51I watched... They were streaming, too, and I watched it, and he was declining me. Because I was playing basketball. Yes. I was playing basketball. And that's okay. He doesn't have... You guys don't have to be together 24 hours a day. That's not healthy. No, but he was supposed to be working, and then he just went. He could have been like, hey, I'm going to go for basketball. If I can't work and then have at least a life in my perspective. Yes, absolutely. You should be able to have friends. But communication. You should communicate. But for what it's worth, if you don't hear back from him, that doesn't mean he's like literally murdering someone or cheating.

31:19Well, what if he like gone on a wreck or something? How am I supposed to know? You have my life 360. So lock him out? He may have gone on a wreck, so let me lock him out. He knew he messed up. He didn't answer all day. Every time I say. No, he knew he pissed you off and he wanted to quell that. Yeah, I gave him a blanket and locked the door. I slept on the couch that night. I ended up letting him in a little bit later. You're kind of crazy. Now, I mean, which may have pushed him to do this extracurricular activity. I feel like she wants me to focus on her and that's it. Who else would you focus on?

31:54Well, the thing is— He's allowed to be his own person, too. Well, the thing is, I give you all my energy and it's still not enough in a way. Like I give you all my heart and everything and you make it seem like it's not enough. Well, you're watching only. That's weird. That is weird. It's not necessarily weird. It might not be the most healthy, especially for someone with a porn addiction in the past, which means he's definitely still watching, by the way. Are you? Yes. Okay. I'm into it. How frequently? I would say if I'm alone and she's not home and she's doing other things and I had the day off or whatever, at least three times.

32:43A day? A day? Before she comes. A day? A day? What? A day. Not a day? Not a day when I have nothing to do. Three times in a day? It's not always... Okay. It's not always... What does that mean? We have our own... Okay. We have our own... I got that. But it is... Sometimes. Many times. Many times. Spice it up. You gotta get the hot Cheetos and the crunchy chips. I don't really have an issue with... Okay? Unless someone has an addiction. But she specifically made it the rule to not. Yes. Okay. You're flat faced I don't know what to say That's shocking But what's going through your head? It hurts my feelings It hurts your feelings But you're never gonna leave are you?

33:38I think you're like No you're like obsessive or something Like this doesn't matter to you No it does matter It does but you're never gonna do anything Like you don't care I'll let him I'll make him go stay with his mom I will What? It's like a time out? Cause he hates You don't like being over there? Well the thing is If I'm living with I'm not gonna live with my parents I'd rather live in a motel than love my parents. Because I feel like if I go back, I like to be an individual. Give me your phone again. Yes, sir. I'll call your mom and say your son's watching. Only if he's come live with you.

34:10Anything I want? That's okay. My show, bitch. His most recent search results are like Riley Reid threesome on Reddit. So this is where he watches porn. It's on Reddit. So Riley Reid. You said you didn't have Reddit. You said you deleted it. And Kimmy Granger. No, he has Reddit. You said you deleted it. Caleb's a smart guy. Why would you not at least delete it before we get it? Jesus Christ! You watch that. You like that. No, I don't. Yes, obviously. No, I don't. It was there. I like threesomes. Yeah, he does. With, uh, what? Two guys tagging a chick? No, no, no, no, no. Please. Okay, homophobe again.

34:49Jeez, kind of crazy. Oh, I see the ones he's watched. Oh, watched, watched, watched, watched, watched, watched. Watched, watched. I was picking the right one, Caleb. I was picking the right one. Watched, watched, watched, watched, watched, watched. Sending yourself for what? Oh, my goodness. Watched, watched, watched. If you scroll. Watched, watched. Okay, finally. Keep going. Just let him talk. Let him call you. Watched. That's gross. That's gross. Okay. Oh, my gosh. Yeah. No, dude's watching a lot of Riley Reid threesome. Who is Riley? She's a p***er. Old school. I would have That's so gross I don't know what to say I have no idea what to say Gross in what way You hurt my feelings I know that Like it makes me look at him gross I get that But the thing is You're gross That's gross This is Riley Reid Okay Okay I don't watch that Okay Okay She kind of looks like Okay so Why are you watching her?

35:50Because I can't watch you Because you don't have sex with me

35:55Boom Which I think relatively it's a fair compromise if you're not having sex that he should be able to make you watch for. No, that's not fair. No, it's not. Okay, what is he supposed to do? I have knees. He does have knees. And he has a right hand. He can use that. Yeah, but you will do something. No, no, she makes it weird. She's like. Because I'll be sleeping. That's weird to do it right next to me. Okay. Yeah, why can't you go somewhere? Because I can't imagine things. That's the thing. If I do fab, I have to watch something. I have to look at... Watch her sleep? No, no. She usually does something to you.

36:32And she makes it weird. She makes it weird. She makes it weird. And she doesn't like that. She makes faces. Like, disgusting faces. Like that. She's like, what are you doing? Because he makes weird faces. So what am I supposed to do? Well, yeah, he's f***ing nutting.

36:48Like, what can I do if I... Okay, so what do you expect of him then? If he can't, like... Well, we can talk about it. We don't talk about it. What do you mean? You talk about sex? No, we can't talk about it. We can't talk about it because every time I bring it up, it seems like it's a need. Like, she thinks that's all I want in this relationship is sex. She makes it—sex is, like, the biggest thing I feel like in our relationship. That's what she thinks. Because that's all it was in the beginning. All it was. I don't like to have sex all the time. But the thing is, I have a high sex drive, and that's why I'm...

37:26And that's... Is he allowed... Yeah, that's fine. But why not the... Because that's other women. Yeah, but if you're not giving him, you... Well, he doesn't tell me. Well, if I... No, no, no. It does affect me because you don't, like, do anything sexual. Like... I'm just not a sexual person. Which is okay. But like he needs to like, he needs to come. She doesn't have any power in a way. She can kick me out. Yeah. Oh, yeah. She can't leave you. She's obsessed with you. She has a weird obsession. And I think she's like 20. She's like, hormones are going crazy. Yeah. Like she's on baby mode 24 hours a day.

38:11She just wants you to unload and get her pregnant. That's really all she wants. and then she'll regret it when she's 35. Because it's with someone who maybe she doesn't even want to be with. No, I do want to be with him. No, no, I'm scared. I do. I'm scared. Him, him. Him, the one that wants that shit, the life you don't want. No, I don't want that. But I think we could work through it. Supposedly in three ways. Would you bring in another woman that seems to be his thing? No, no, no. See, there you go. I wouldn't want that. You wouldn't? No, no. That's a fantasy, not something I would put in. Well, usually fantasies are they want it to be a reality.

38:45but okay yeah sure well I feel like she's she's always been trying to craft me to be her father in a way like actually huh like that's what she's been wanting is her somebody her dad can like accept in a way my dad has high standards exactly that's not unfair I mean he wants the best for his daughter that's okay wanting the best for your kids a good thing and it's also a reason why I haven't proposed yet either is because I don't feel like he would say yes. Oh, shut the f*** up. No, I'm being dead ass. My dad? Yes. Your dad has said that he would have to like think really hard if he would let me have your hand in marriage.

39:27And you told me that. Plus, our cultures are way too different. What? I'm Cuban and she's white. Oh, come on. That's what I said. How Cuban are you? A hundred percent. No, but like you're raised. You're from suburban Dallas. Nah, nah. I'm from Buffalo, New York. Oh, Buffalo, New York, the most tropical. Well, my parents are from the boat. Yeah, your parents, not you. That's what she explains to her father, but he thinks otherwise. What? Her father thinks our cultures are too different. What does that mean? Usually, like, hyper-conservative people like him like Cubans because the Cubans hate socialism and stuff.

40:08He thinks our wedding will be different. He doesn't want our kid to be named Jose. He doesn't want. Well, no one wants that. Well, my dad thinks that he's Mexican. He's not Mexican. He does. I thought you were white, so I don't really know. You're white. She's pink. Oh, yeah. No. She's a little embarrassed. Well, yeah, because you just got exposed for essentially doing what she considers cheating for the last all your relationship. That's not fair to her, and that's also been weighing on my conscience. Yeah, what's her dad going to think when he sees this? same thing he's been thinking. I think a little worse now, right?

40:48I think so. He'll probably never... He probably won't want us to get married at all. Yeah. What about... No. Sorry, I know this has been a very sexual episode so far, but it is actually apparently the whole thing. What about a little... No. She doesn't do mouth things or hand things. I don't like to do that. She hates blowjobs, handjobs. He doesn't... It's uncomfortable. Do you do oral on her? sorry yes yes oh come on that's only fair to go back like literally that's all she wants from me that's why she hasn't let me oh shit you don't want him in no she does no she does actually well she has a uti every other day for some reason are you kidding it happens it happens to women sometimes yeah it happens yeah yeah no that's normal i know i'm embarrassed you didn't have to say that.

41:42I am embarrassed. I think everyone that's been with women knows that that is more common than you'd probably think. It's not talked about very much, is it? No, no, no. We'll call the dad in the post show. What do you guys think your Hammer Financial score is 0 to 10? 0 being the absolute worst, 10 being the best. If we're combined, if we're looking towards marriage. 0. 3. What about cheating score? 10 being the most cheaters in the world, 0 being nothing. 10. I guess because you think I went to a Snapchat. I was expecting to maybe see a one. I didn't see anything. So he's at least not talking to someone else as far as I know.

42:21I don't trust that face. I didn't trust either. I don't know why. What? No, no, no, no. I am not talking to anybody. I feel like he just admitted the dog to somebody. No, I'm not. Okay, that sounds un-examining. I'm just really nervous. because the whole like thing has been brought to light. Which is a good thing. It was on your statement. And you get to choose what's not talked about on the show and you didn't say it. Okay, well the thing is it has to be brought to light. I think that's a good thing. You didn't have to wait to go on the show. Well, if I told you earlier Because he wasn't going to tell you on the show.

43:03I did. He wasn't going to bring up shit to be clear. not a chance. That was me who exposed it. Well, I'm glad. Yeah. It's just unfortunate you're not going to do anything about it except for a little time out. And unfortunately, you're just going to be stuck with that your entire life. Someone who's, to be very clear, this is an example, and yes, even if it is something more addictive, which is true, there are many addictive things in this world. He is someone where you guys made a clear boundary on something and he's been doing it like every day behind your back for years. What does that suggest for anything else, for the rest of your life.

43:39He's going to keep doing that. Just saying. That plus who knows what else. If he's willing to lie about that constantly, what else will he be willing to lie about at 50? June 1st, I'm launching the Hammer Relief app, available on every major platform. 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 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 merch you can't get anywhere else.

44:19You'll get a limited edition Caleb Hammer commemorative coin, a budget planner notebook, a Caleb Hammer credit card skin, Caleb Hammer emoji stickers, a limited edition Caleb Hammer plushie, a limited edition Hammer Elite mug, a limited edition Hammer Elite hat, all packed inside a custom merch box. Once all 1 ,000 boxes are gone, This offer is gone forever. Join the waitlist by using the link in the description or pinned comment down below. So mark your calendar. June 1st. This is the best membership you'll ever join. And that is a promise. That's kind of stupid. I'll be honest. But what's not is actually getting a checking account that gives you free money.

44:53Free money. We like free money. You can get up to$200 in bonus cash right now. When you sign up for the checking account that I use, Chime. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Audit and get free money at the same time. Who would have thought? That's incredible. Check it out. Link in the description below. I feel like I needed to tell her with somebody instead of me just coming out with this addiction again because she would instantly just not want to talk about it and just tell me to kick out. Did she straight up say no to going to couples therapy?

45:26Yes. Bro. Why the no? I said, I just don't want to talk about it. Let's not bring it up again. Because I told her. What? I don't want to go to therapy. Why? He does for you two. It's not necessarily for you. It's for your relationship and him. Like, I gave her an ultimatum. I was like, our relationship won't work if we don't go to therapy. You're selfish. Everything's about you. And it's because of how you grew up. Well, we can go to therapy now. Oh, now that you got called out. Now that I'm calling you out. and now that you're being an exposed to selfish bitch on camera. Because I did want to talk to her about the point because if I did do it separately, she would just tell me, get out of my house.

46:08Buddy, you were going to. I brought it up. No, no, I was in therapy. Like, actually, because I was going to tell her more. And she said no to therapy, so when would it have ever come up? When we came to the show. That's why I applied, too. No, it wouldn't have. It would not have come up in the show if I didn't bring it up, correct? Not from my notes. Yeah, not from any of the interviews. You like to search. Huh? You like to look through people's phones. You were, no. I never go through people's Reddit or peoplesonlyf*****.com. Never. Never, unless there's a reason. This would not have come up.

46:41That is a cope. What would you have actually done? Kept it a secret for the rest of our lives. There you go. That's the reality. If you want your Hammer Financial Score, get it for free at calebhammer.com. See where you stand in the world of money, where you're doing poorly, where you're doing great. It'll tell you for free in just a few minutes. and if you don't want to be like a guest who ends up on the show, couples therapy, and download the DollarWise budgeting app, take the free trial, see if it works for you, and sign up for the annual version if you like it because that's what most people do as it saves a lot of money and you get my personalized 30-day meal plan signed by me, mailed directly to you, and the digital version of our cookbook that goes over every recipe.

47:13It's every single day of a month, all drinks, all snacks, all meals, no more excuses to not budget your food. I've been waiting for this a long time. DollarWise, that app link in the description below. To say this to Caleb. Okay, Well, let's go to this. I mean, I think this is financial audit, and this is a finance show 53 minutes in. But this is a very important part, and this is going to be probably one of the more important parts going forward, heading into marriage and all this shit. And you haven't had that. Why do you look at, like, three different directions at once sometimes? Where? That's what I'm asking.

47:46I don't know. She goes cross-eyed, doesn't she? No, I do not. She's not all the way up there, in a way. No, you aren't. I am. I feel like there's a reason why I work a lot. I feel like I look at people's eyebrows. No, you just did it again. Because I looked up and then down. No, no, no. Yeah, but one of your eyes. Oh. You're a freak. So this is an important thing. Yeah. And you haven't gone over it. But all that shit we talked about at first. Could have been gone over. That is going to be borderline even more important, at least for now. Maybe into the future is one. You guys need to go to couples therapy probably immediately.

48:22Again, not one of the bullshit of an enablement therapist, which there are many of and that cater to young pussies. But you need a good one. And it'll actually shit down your throat. Okay? I told you we need a couple of stairs. Is she actually going to her or is she just saying yes to the camera? You know her. Only for the camera because she hates therapists. I'll try. No, I'll try. You just go. What do you mean try? Well, if I don't like it. No, is that? Nobody likes therapy. The thing is, there's multiple people that we could go to and then find the one that you like because I don't care. I don't give a shit.

48:56No, the person she likes might be one like her daddy that just makes her think she's great and shits on you. That's not necessarily the most healthy. Like, I don't want to be shit on all the time and sometimes I do deserve it. Like, right now, Caleb shit on me for the OnlyFans which is right. And I feel like... And I'll shit on her in the video her and I make after this. Oh my. Oh, spicy. We'll give it to you so you can play with yourself later, though. So the preferred card, who's this? The what? Sapphire preferred mine. That's right. They're pretty much all of you, right? Except for student loans you said you have?

49:31Mm-hmm. Yeah. No, he's right, though. He is right, though, for what it's worth. Therapy? Stop being a spoiled bitch. I'll try. I'll try. Try. My dad's still there. Huh? Her dad's always going to be there. So? And also, that's not true, but so? I'm only 20. So? I'll work on it. I'll attempt. What? Attempt to what? Work on what? What does your dad being there have to do with anything? Well, how is it my fault that I'm spoiled? Oh, I thought you meant going to therapy. Oh, well, I didn't know what you were talking about. Therapy or my dad? I thought you were talking about therapy. Oh, I'll try to go.

50:08$120 minimum. Whoa, guys, I just realized. What do you do for work? I'm a lab tech. What do you make? How many hours a week? Uh, like$32,$17 an hour. No, 17 an hour. What's your paycheck usually average? 1 ,200. Every two weeks? Yeah. Yeah. Is that net or gross? Is that net or gross? She doesn't really know. It's like 1 ,200 that goes into my bank account. But you haven't worked a full week of work at all. Because I've been taking care of everything. That's why I said 32. Nah, bro. Nah. 17 times 32 isn't 1 ,200. 1 ,100? It's less than that. What is it? I don't know. I have your, unfortunately, payrolls combined.

50:52The thing is, she lost. What do you make? I make. What do you do? I am a welder helper and also do Spark. So combined, I make$4 ,500 a month. Gross. That's good. Look at you. Wow. 23 in the trades. Get you a course career certification, doubling up those trades, maybe like construction, project management, that kind of thing. convert that into a six-figure job like many people out there have. And unfortunately, if that is his paycheck, that means the only other thing that came in was about$72. $72? So unless he made less and you made a little more. Pay active? What's that? Pay active?

51:39Pay active. I'm going to say make$2 ,000 a month. I don't know. She honestly makes close to$1 ,600. A month? Yes. A full month? Yes. But you're in school, right? Yeah. What are you studying? Teaching. To be a teacher. What teaching? Like a teacher degree. Elementary school. What kind? Yeah. Okay. Well, in the major cities in Texas, they make okay money, but... I'm not worried about the money, really. Well, you've never known. Well, I rather just like my job. He was actually correct in the beginning. I thought he was bullshitting. He's like, she doesn't know the value of the dollar. He's 100 % correct.

52:15Your debt doesn't scare you because you've never had to see what the consequences are. Having a lower paycheck doesn't scare you because you've never seen what the consequences are. Maybe you have a big inheritance coming to you. What do your parents do? My dad owns an AC business and my mom's a nurse. AC business in Texas. And then nursing makes pretty good money too. Yeah, they do well. Yeah. They're rich? Yes. They got a nice house? Yes. Yeah, yeah. You're not afraid of shit, spoiled bitch. Like I said, her dad would pay for the rent if I'm not there. Growing up from poor to lower middle class to eventually middle class by the time I graduated high school, I still hate people like you.

52:50You just did it again. You cross-eyed weirdo. I didn't mean to. I'm not meaning to. This takes 14 years to pay off. Your kid will still be zero. Wait, wait, wait. Tell you something. It's more expensive because we went to Austin last month. And... Why? We spent$2 ,000. So, it's close. First of all, you came to Austin today and we're paying for it. Why'd you go last month? Last month, four days because I thought I was going to be here. It was Good Friday. Yeah, it was Good Friday. So? So we came. We were all. What does that have to do with Austin? Because honestly, I honestly thought I was going to be on the show a lot sooner than what.

53:25Did we give you a date? No. Then why the f*** would you come here if we didn't say to come here? Because I was kind of planning to. I wanted a trip to Austin. I wanted a trip to Austin. Which you have now. Paid for. Yeah. Yeah, but the thing is. And how'd you spend$2 ,000? By the way, that's a road trip of like four hours. How'd you spend$2 ,000? Airbnb was like. How long? Four days. Three nights. That's a lot of money, isn't it? It was like, honestly, the Airbnb we got last month is like right around the block from here. Okay, don't dox us, weirdo. My bad. But yeah. And then we went shopping every day.

54:04There it is. And you got your ass spoiled. I didn't spend money, though. Not me. You really sleep with him down here? No, you did. No, she didn't. Really? Your vacation is like a good time for like sex, even in sexist relationships. Her head hurts. I did have a really bad headache. She had a hunger. For four days? No, one day. The day we got there. And the three days besides that? We shopped all day, so I was tired. Yeah. I don't know. Usually vacation is where people... Well, the ceiling was also way too low. Here's the thing. Here's the exciting thing. When guys don't want to have sex... I'm just going to let you know a little bit.

54:36When guys don't want to have sex, but the woman does, think about what the guy has to do. Big old show and dance and performance to get the woman to come. It's a whole medical operation. And we love it. But it's a thing. When the girl doesn't want to have sex and the guy does, give him 30 seconds and he'll finish on his own. That's all I'm saying. You literally, I mean, ew, not really. I don't know. If she laid there for 30 seconds, you'd be done, right? Hell yeah. Exactly. It's like you don't even have to do anything. I'm not advocating for that. It sounds a little shitty, but come on. How? And it's not because you'd consent to it.

55:18I would consent to it. Okay, there we go. So there you go. We'll try. It's like, it's just easier. It's just like, you know, I get it. I mean, I don't want you to have sex if you don't want to have sex, but also just find your yes. Maybe you're down for a little makeout session while he jerks off or something. I don't know. Oh, I guess not. My goodness. She really doesn't want to do anything with you. You're a f***er. Well, she loves me and she's obsessed with me, but she doesn't want to give me that satisfaction. Maybe your dick's tiny. I don't know. So with this, buddy. Okay, so it's like$6 ,073 now?

55:46Oh, whoa, whoa, whoa. You said you spent two. $4 ,500. What? You said it went up at two? Okay. Okay,$4 ,500. Yes. Well, I thought it was at$2 ,000 to be honest with you. No, it was at$4 ,073. Oh, wait, wait, that's a new statement. Never mind. Sorry, bud. How many times do I have to cross out you? Jenner. Jesus. Our word that early is crazy. That early or an hour and two minutes in Bro, I'm just going by so fast. You got lucky. I didn't call you 30 seconds in So you're a little you kind of got like the oh, I Look at you look at the way you're just touching yourself I have an autism. I'm in school.

56:29Oh, you're collecting them all every Gen Z or shut up. Well, I was diagnosed When I was younger, I guess but no matter How many times did you transition to? Six times, I guess. Yeah, there and back, there and back. $120 a month. $4 ,073. Takes 14 years to pay off. And as I was saying earlier, your kid will still be zero years old because he still wouldn't have put one in you. Your life is... It's okay. No, I would want to give you a baby. It's okay. See, she'll never leave. She'll never leave. She thinks she cares about that. She'll never... No, I do care. I do care. But I think we could work.

57:11I feel like if we just… With no kids? Zero kids forever? No, I want a kid. I want a kid as well, but I don't want it so early that it affects our financial… Because I want us to be debt-free. That's usually why people don't have kids, though. I mean, you don't have to be perfect to have kids. But the amount of debt that I have… It is chunky. It is chunky. As a young age, it's hard to bring something in to fucking buy them. Well, actually, it gives you the best opportunity to have it at a young age, by the way. but NTTA online what's that again why do I know that is that tolls NTTA yeah yeah why the $477 a tollsy creature by the way you can drive without tolls a little longer yes you can shut up it was accumulated for as long as I no more tolls asshole Texas Roadhouse Retro Boats $180 Terry Blacks am I right that shit was disgusting $200 it was gross but we didn't know how much it was.

58:07Yes. We don't know. They don't tell you prices when you walk in there. Well, yeah, barbecue's expensive, but you got the worst barbecue for expensive. Lululemon, we did a blind taste test the other day. It's brisket was not even close to as good as Butter Place's brisket. It lost the brisket test by a lot. Lululemon, Alan's boots, 400, that was these boots that I have on right now. He already has boots and he don't even wear boots. Oh. Sorry. He don't even wear boots. Well, he is right now. The jeans are 80 bucks. Same place. And the shirt, he has. Just these people. So this was your trip to Austin because that's where Allen's classic store is, right?

58:49Yeah, yeah. So there you go. Lulu Lemon's here at the dummy. Lulu's everywhere, though. Farrah's Italian restaurant getting some bullshit. Fee's. You've had a late fee this year. Yeah. He's had a late fee this year. Do you want to get with a guy that's not paying his bills on time? She doesn't know what that is. She doesn't know what that is. Oh, it's late. I think she knows what the word late is. She is the dumbest person I've ever met, but she is. She knows what the word late is. I don't know what late he is. How are you late? I don't have auto pay on that card. And sometimes. Sometimes. I just forget.

59:22That's who you like? She finds that hot, actually. That just grossed me out. That was gross. but I bet you don't even let him go to a room and play video games on his own do you nope yes I do oh you're obsessive you're a weird one no she doesn't oh I know you don't because I have a game room and if I'm in there for 30 minutes she wants me to do something else that's why I have what is wrong with people like you I'm so glad my girlfriend lets me play video games like that because you just want me by your side watching the things you want to watch and if I'm watching Caleb Hammer you're like turn him off.

1:00:01What the f***, bitch? He's too loud. Why is he yelling? Why is he so mean? Because he just plays it and walks around the house. Yeah, I'm good background noise. So it's loud. You listen to me in the background. That's why he wanted us to do an Eiffel Tower on you. Because he's such a big fan. I'm a big fan. It's a sexual thing. Oh, I don't want to know. Or we both stick it in. Yeah, I don't want to know. Let's go. I'll actually give you kids. Jeez. And I'm not late on my credit cards. I didn't say that. Did I say that? You were late on your credit cards, dude. Well. Still paid for it. Entrance is accruing late.

1:00:43Oh my gosh, what is this? Klarna or Affirm, one of them? This is the most insane balance I've ever seen on one of those. So I Affirm literally everything. Oh my gosh, dude, you owe$8 ,448 ,071 to Affirm. I've never seen that in my life. He was supposed to stop. Okay, so I did tell her I was going to stop. Okay, I am addicted to credit lines. Oh, we're finding new addictions. We're just collecting them. That's like Pokemon cards, dude. No, this isn't all Pokemons. No, no, no, no, no, no, no, no, no. It's on tools. Tools to work on. It's even like almost worse. And tools for work. Like it goes hand in hand.

1:01:18Why are you with him? He's a tool collector. Not tool collector. But like I don't have any base to buy tools. So I use Affirm to purchase these tools. That's a lot of money. What's your minimum? I'm going to guess it's like... $758. Oh! How are you okay with that? I didn't know that. You don't know anything because you're not willing to talk to him. No, he said that he paid it off because I told him... I did pay it off. He's probably paid off like a purchase here and there, not the whole thing. No, I have, Caleb. I have, but... You should give him reward blowjobs for making progress. Not this.

1:01:52We're making progress. There's no progress. You're... Well... Well, the thing is with the home, like, I can show you my firm so you could have a greater understanding. No, it's okay. You sure? I'm okay. I saw it there, but you're just getting tools and ripping packs and being... The reason I got the tools... Okay, fine. Let me see it. The reason I'm getting tools and everything is because I wanted the... The little truck pulls up and you're like, ooh, can't wait. No, no, no, not that. Right? Isn't that what happens? No, because... That's what happens with the car mechanics. Yeah, but the thing is, I go to Home Depot and buy these tools.

1:02:26Because... Like Home Depot has deals sometimes on like Milwaukee tools which is a brand that's really expensive in tool space Show me you're a firm. Yes, sir. You three-way watching freak. It's just, yeah, it's the same, actually the same balance as I made progress once. Go to next month and you'll see. Quiet, boy. Jeez, boy. Minority. Minority? You're a white Cuban. Shut up. I'm so sick of people like you. There's people that are Middle East. You're white. You get all the privilege of white. I'm actually 12 % black, dude. And I'm like 8%, okay? so I don't go around and claim it. I don't even claim my native shit.

1:03:08Listen, the thing is, it doesn't, all that matters, do you actually face a discrimination or not? Because everyone that's like, oh, I'm all this, I'm this. Do you have, have you faced any trouble? No, you've been treated like a white person your entire life. Because you're white. I'm privileged in a way. You're 12 %? What? You're 12 % black? Yeah. Say it then. Mm-hmm. Doesn't sound like he is. 12 % okay lots of Home Depot Amazon Car Parts America's Best in store Harbor Freight Home Depot Airbnb 9 of 12 he's borrowing these at you wouldn't even know what a number is if I told you but 32 % interest yeah it's crazy and there's nothing to her that's bad father I'm sure you're great and you want her you want her to be like a princess spoiled by a man she does need to know a couple things and interest is one of them you can go ahead and teach her because he's watching this?

1:04:04Yes. So he's watching me talk about doing an Eiffel Tower with your husband? Yes. Okay. Well, now I feel awkward about it. My boy, guys. I'm okay with my parents saying that and my girlfriend saying that, but your parents? Sometimes those Home Depot prices is because I wanted to do something for her. I built her a bench. I built her paint, stuff like that. You built her paint. Not paint, but I painted a room, like a closet for her, and it was pretty expensive. You're a little Mexican, aren't you? Yeah, yeah, yeah. This is insane. Yeah, and they're all at very high. So he's not affirming them in like an actual interesting arbitrage way where he's like stretching out in four payments at 0%.

1:04:44You don't know what any of this. I didn't know you could go that high. It's even worth. On a firm. Well, they always update it because I always make my payments on time and I always purchase things that they like. Yeah, your payments on time of like your 40 payments for one purchase, you're still losing so much in interest. It doesn't matter. Oh, I got it right now. And tools hold their value. Then sell them. Well, I won't sell them because I need them. I do need them. Not every single one. I know tool people like you. I've had many tool people like you. You always get more tools than you need, nicer tools than you need.

1:05:17Uh-huh. $8 ,000 for tools is not a lot. Plus, Airbnb was on there. Yeah, Airbnb was on there. It was also like a 15-month payment. That was the one for Austin. Yeah, it was like a full year's worth of payments. Yeah. But the thing is, they do hold their value. You're marrying a poor. Your dad's going to be very disappointed. I don't think he cares about the Cuban thing. I think he cares that you're poor. You're affirming Airbnb for a year at 33 % interest rate. That's weird. Okay, Mrs. I buy coffees every day, three times a day. But I pay them off. I bought the coffee. No, you didn't. I didn't affirm it.

1:05:57The only reason you can't use your credit card on coffee is because you're maxed out on your credit card. It doesn't bother me. I wonder why it doesn't bother you. Because if you ask your dad for$500, you probably give it to you. Am I right? Because who do I have to support me? Not you because I can't ask you for money because you're already broke. I can't ask my parents for money because I am independent from my parents. I like to be independent from everybody. I like to do things solo. So that's why all the debt's on me, because I like to do things by myself. Well, that's good for you. What?

1:06:37You don't have that desire for you? I want, I mean, in the future. No, you don't. No, you don't. You want your dad to be around forever. I want my dad to be around forever. Yeah, to spoil you, to make sure you never have to worry about anything. because I want to like travel and do things and everything and move away at least an hour so I can do my thing, you know? Like get a higher paying job in essence so I don't have to do another job so I can spend time with her. So like if we have to like live three hours away from your father, you're going to throw a fit. I'm not willing to do that. Starbucks is bullsh** and a waste of money and you already know that by making your coffee at home and investing the rest.

1:07:24So 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. The number one ranked energy drink is Gamer Subs. Literally, the cherry flavor is insane. Listen, you can also get free samples to see if you like it. or 10 % off your order at gamersupps.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 bank's pockets.

1:08:10And 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, 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.

1:08:46If 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 still got to do the work. Well, how far are you guys to downtown Dallas? Downtown Dallas is like an hour. Oh, so you have a lot of range then. Because that's like the best job opportunities metro in the United States.

1:09:21So you don't have to be three hours away. No, like for what I'm doing. Yeah, but no, even still, it's about to be the third largest metro. The GDP is almost a trillion dollars in Dallas-Fort Worth alone. You will have trades opportunities in Dallas. I get that. But the thing is, I would want to be closer to my job. Yeah, that's fine. Well, how far away are you willing to live, Max? An hour. No, but your dad wouldn't let you live in Dallas. Why would he not let me live? It doesn't have to be in Dallas City limits. There's like a trillion suburbs. You're in one of them. I know. And you can still, what?

1:09:54I know, but like the thing is. So live in a nice one. And also you could, what's that nice part? West Village? There you go. Live in West Village. Your dad will be proud. West Village, but. Yes, you'll never be able to afford it, but. Exactly. But the thing is. But you will when you leave him and get a wealthier white man. Yeah, that sounds like a better idea. I didn't know he was this bad. And a p*** addict. Oh, it's so gross. I don't want to think about it. Dude, sex isn't gross. That's gross. Watching people have sex? Like, I understand it's addictive. There's bad things. Right now, there's some young men that they only watch p*** and jacking off, so they're not going out and, like, doing things.

1:10:35But if you're doing it in a healthy way, like, what's the gross part? Is that so healthy, though? No, yes. I'm not healthy. No, we're all saying that. Well, the thing is, I'm not healthy with it, but if I do become healthy with it. I don't know if you can become healthy with it. Probably not. You've struggled with this since seven, which is kind of crazy. Saver card. Who's this? There's a bunch of saver cards. Okay, well, this one's at$514.83. Hers. No, it's mine. Okay, well, you're not paying it all off like you just said you f***ed. No, I didn't say I paid it off. I said she was over and maxed out.

1:11:06Did she just say that? Didn't she just say I get my coffee and I pay it off? Yeah, like. Oh, yeah, yeah, that was her debit card. My debit card. That she paid off your debit card? No, like, I don't offer my coffee. I could go buy it and it comes out. I don't have to, like, pay for it. She's saying that her debit card pays for it because her cards are already maxed out, so she can't use her credit card for it. She's wearing a Jesus shirt, and you're jacking off to women having three ways. You're not understanding this. This is, like, weird. I don't think you guys are aligned on values. Yeah, you're over maxed out.

1:11:39$14.83. above that 500 limit. You purchased$232 and allowed interest to accrue because you're spending it on a card. You're only putting a minimum monthly payment too. She doesn't care about it, bro. At all. She doesn't care about her credit card. I don't have the money to pay for it. She doesn't care about it. You don't care? She don't care. She's like, I'm young. I literally don't care. Why be with her? No, no, I understand. Okay, she's probably attractive for you and stuff like that. But like, why? Why? Why attach yourself to someone that's not going to give a shit? Because she will pull down the relationship further in life without daddy and everything.

1:12:15Thing is, she will after this conversation. I just know. Nah, not with the response she just gave. She doesn't give a shit. I do pay it off sometimes. No, you don't. I don't pay the phone. at the gas station for eight bucks? It ain't gas. Energy drinks. Yeah, throw it to her. Good news. Gamers up. Congratulations. Oh my gosh, that was nice. Lawyers. Yeah, you sent a document. I'm not reaching for that. Please? Because I probably want it. Oh, it's free? Yes. Why don't I throw it at you and make you pay for it? So, that's 40 cents a serving. Just like you should be making your coffees at home now instead of putting it on credit cards.

1:12:58You listening? Yeah. You're going to make your energy drinks at home now. I mean, I have, but... They taste better. They actually do taste better. They're incredible. Get your free samples. Link below with my code Caleb. Figure out what flavor you like. And then once you do, order them with a 10 % discount, and you will be getting the energy drinks of your choice for 40 cents a serving. It's delicious. Gamersupps.gg. Does it taste like Red Bull? Queso. Red Bull's like the worst one, but I'm sure there's one that matches that flavor profile. Ginger. Yeah, I don't know what his flavor is. I haven't had that one.

1:13:32Looks good. Wait, is your flavor coming out? Soon. So energy drink, DoorDash and Chick-fil-A, Raisin Cane's. I think energy drink, bullshit for sure. Clean start. Car wash probably. Don't really need to do that in Dallas. Panda Express, Whataburger, energy drink, DoorDash and McDonald's, bullshit in and out in the Austinite market. Which I've never even heard of as an Austinite. Austinite market. What the hell is that? How much is it for? $28.97. Oh, okay. So we... Might be gas. Thirst store. Oh, yeah. Thrifting. She's had a late few this year so far. Expected. Just expected. Oh, she was freaking out about you having one, but she's had one herself.

1:14:18There's probably a bunch on there. That's a joke. No, it's not a joke. What do I do with you? I know. I already know. I mean, it's like, again, like at 20, I was an adult. I was doing it and taking responsibility. But you're right. Among your generation, something happened where 20-year-olds now are like what I was like at 15. so I don't know how to treat you. Should I treat you like the child you pretend you are and just be like, oh, yeah, she'll figure it out at some point. Yeah, she's just a kid. I want her to figure it out now. I do too, but she doesn't get, she's like, I probably have more.

1:14:47I do care about it. Me being kind of independent from my family and not relying on them to pay for my stuff. My dad doesn't pay my credit cards. He don't know about them. But he would. If he knew about it, probably. Who has the one main financial auto car? Is it a car? No. consolidation loan. No, why? The only reason I got that is because of you, Caleb. Because I thought I was going to do it right. But I say don't do it unless you change your behavior. That makes no sense. I didn't, but I was like, let me do it. But that's not what I advised. Because we actually do personal loans and everything on CalebHabber.com for great rates and credit cards, match people with credit cards that are great, but only if you're credit card people, which you're not, and only with people who've changed their behavior before they do a consolidation on a personal loan, which you didn't.

1:15:33So no, I did not suggest that. That doesn't make any sense. Well, you're... Hell yeah. But the reason I got it is because our roommate was moving out and I needed also extra money from that loan. And I think the truck's collateral for that as well. If I... Really? Yes. What interest rate? I think it's... 28.39 %! What's the point of a consolidation loan at the rate that the worst credit cards are at anyway? Because my credit cards are already at that rate. So what was the point of the consolidation then? To pay off three so I could get rid of that monthly payment. So it was the monthly payment.

1:16:11My monthly payment for the Sapphire Preferred before the$120 used to be$300. Because I over maxed it out because we went to a cruise and we overdid it. We put$7 ,000 on a$5 ,000 limit. I'm being told her big financial shift has not been blonde anymore. She's dyed her hair brown, but you don't look blonde to me at all. Look at her roots. No, I used to be blonde. Oh, you already dyed brown? Yeah. Yeah, bro. To save money. What? To save money. Why didn't you just stay blonde? Because I'm not naturally sweet blonde. What are you? Like regular blonde. She's a strawberry blonde. Isn't it costing money to dye it brown and not just leave it natural?

1:16:53No, because I want to be, when I dyed it blonde, it was bleach blonde. Like, just leave it normal. No, it would look bad to grow it out. Oh, when you grow out. I understand what you're saying. But now you'll let it go natural. Yeah. To save money. Not really. You just wanted to change your hair color, bro. Be honest. You just wanted something different. Well, yeah, the blonde was kind of boring. But I did do it because I didn't want to pay$155 every eight weeks anymore. $7 ,654.95 is what you have in your personal loan at that nearly 30 % interest with$245.97 minimum payment. Yeah. That's crazy, dude.

1:17:34I know. Freedom card. What's this? Mine. Oh, there's your, I think, dyed blonde, right? Yeah. What the f***? You do look Mexican in that one, and you look like a meth head in that one. Something's wrong. I don't even know. I don't know what picture it is. I don't know what picture it is. But you both look horrible in this picture. I don't even know what it is. Okay, it was a bad picture. I picked out the picture. I picked out the picture, bro. I picked out the picture. Neither of you look good in that. My bad. You look good in person, but it's just like, I don't know. Thank you, Gail. Okay, freedom card.

1:18:01Mine. Okay. I got it when I was 19. I just used it, bro. I got it. Oh. Maxed it out. Didn't know what a credit card was because my parents don't have credit cards. they don't know what credit cards are. Yeah, they're legal. Not legal. If you swam to the beach, you would have been a citizen back in the day. Did they hit it in time? Yes. They came here when Castro was kicking everyone out that was prisoners. Good for them. They ended up in Buffalo, which is weird. $693, not maxed out, not great. Only making them a little more than the minimum, but nothing's crazy. So you owe$693.21 at a$40 a month minimum monthly payment.

1:18:48But you're purchasing on your other credit cards, but not this one. I have the other ones, but not this one. Because I'm scared with that one. Why specifically? It's the oldest one. It matters more. What? It matters more. Okay, well, 21 months to pay that one off. Of course, the first one was like 12 years. And you've paid on time, too. Quicksilver, who's this? Which one? Also him. No, no, no, no, no. I don't know what that is. What does it say? 223. 81. Mine, mine, mine, mine. Well, she's authorized used her on it. I don't use them. You are? Why would you want to be attached to this dude's horrible credit?

1:19:22He put me on it. Well, I used to pay off my cards all the time when we first started getting together. $25 minimum payment. You're purchasing more than you put towards it while interest is accruing. See, you immediately f***ed them. Chicken Express, McDonald's bullshit, McDonald's, Goodwill, Blessed Hands. Blessed Hands is my barber. Okay. Don't be surprised if he's going and getting a happy ending special massages soon, by the way. Oh, he's a guy, and I met him in high school. He's there for like three hours. No, I said soon. Oh, okay. Yeah, when she's not making you come. Yeah. Okay, this saber card's paid off every month, so I'm not going to freak out about this one.

1:19:57Someone's buying Amazon. Yeah, it is a lot of credit cards. Well, okay, credit cards are done. Someone, who has a Chase checking account? Me. It started with$44. It's crazy. Do you want a traditional? What do you want this relationship to be like? You want to be a trad wife? No. I think so. Because she said that she doesn't want to, she wants to have a baby and then take a year off work. One year, but I want a career. Oh, that's not trad though. This is a year off work. Not her whole life. Huh? I want a career. Okay. Yeah, you're going to be a teacher. Making her kids more. But I'm just concerned if he's going to be the breadwinner, $44 is a scary beginning balance.

1:20:37anything at 235 at least, but it's still not good enough. Apple Bill. Netflix, coffee, McDonald's, Tom Thumb, Japanese, Thomas Forbes Jr., the county seat, O-Face Flavors. The county seat? That was at the sipping, drinking shop. Strip club. What? It's like a bar. It's a bar that we go to to buy trinkets and stuff. They have like vendors and stuff to go out there. 20. Amazon like energy drinkers and bullshit bullshit Whataburger Subway Waffle House Panda Express Apple if you buddy if you want to pay off your day and you want to fix the financial situation why is it pages and pages of bullshit you're going out like twice a day minimum Tom Thumb McDonald's bullshit Van Line Monkey's Village Bird Bird Biscuit A Whole Coffee La La Land Brand Shop that's all in Austin yeah that was all in Austin our partners you couldn't afford it Museum of the where weird weird Weird.

1:21:33Oh, yeah, the deed cut off. Austin Souvenirs, a jackalot. Austin Souvenirs. It's the same state. Why are you paying souvenirs? You weren't traveling from like Ohio. Austin is a different culture here than it is in Dallas. Sure, it's not that. It's walkable. Well, I mean, Uptown's walkable. It's more liberal as well. Dallas, as the city's liberal, and Uptown's very walkable in Dallas. Uptown is very walkable in Dallas. I don't know how to do it. What are you talking about? I know Austin. I almost moved to Uptown. Yes, it is. The reason I'd say it's not walkable is because there's more homeless people in Dallas that could run.

1:22:11Not in Uptown. There's more homeless people in Austin objectively than Uptown. Okay. Hey, you're right. Wrong. Okay. You don't know what you're talking about. Birdaff, Jackalope, DoorDash, DoorDash. DoorDash was in Austin. Black Rifle Coffee, Panda Express, Dutch Bros. chipotle mcdonald's or ranger mcdonald's is crazy roku bullshit red river stop panda express apple bill apple bill apple bells probably is of maybe who knows road ranger airbnb chicken express taco bell bullshit bullshit mcdonald's thousands spent on bullshit going out to eat bullshit miscellaneous bullshit crazy miscellaneous bullshit two thousand dollars bullshit food going out to eat sixteen hundred dollars you can't complain about being in debt you guys are just being kids having fun.

1:22:59You're f***ing f***ing f***ing. Okay, first bank, I'm guessing that's you. Mm-hmm. $17. Started with negative$8.95, by the way. What? This is who you're going to be with. What? She doesn't give a f***. Look at her. She has Down syndrome or something. She overdrafted$55, asked her dad to give her$100, and he gave it to her. Yeah, it's for all the bullshit spending she does, by the way. The Connoisseur, Moby Dick's Gift Shop, Island Sports, The Islander, St. Joe's Pizza, Thrift Store, Sharon's Totally, Bullshit, House of Sports, Cash App, Cash App, Cash App, Cash App, Appleville, Subway, I Love Nails and Spa, Hill Cafe, K.

1:23:38Ritz Brewing, Paige Davidson, Brass Bunny, Bullshit, Red River Stop, Bullshit, Venmo, Cash App, Wendy's, DoorDash, Bullshit, Seven Brew, Bullshit, McDonald's, Cafe, I Love Nails, Bullshit, Brahms, Cash App, Taco, Casa, Hills Cafe, Coffee, Lenny's Trailer, Bullshit, Austinite Market, Howdy's Vintage, Macy's, Wendy's, Road Ranger, Wendy's, Road Ranger, Seven Brew Coffee, Apple Bill. You guys are degenerates. You know, the money you make, if you weren't investing this properly, especially with the blessed situation with the house being purchased that she has, you guys would be multi, multi, multi-millionaires by the time you're retired.

1:24:18This is pathetic the way you guys are living. Pathetic in every way whatsoever. You should be embarrassed. I am. You'd have the best futures out of anyone who's been on the show if you just acted like adults. You don't go to McDonald's every once in a while? I can afford it, and unfortunately, no, I'm banned. Oh, McDonald's. Well, he's on a diet, bro. My girlfriend. Well, not really. I'm kind of flatlined. But even still, I don't want to gain. Well, I mean... We work out so we can eat. $1 ,213.97. That's your minimum monthly payments. Now, rent, we don't really have it, right? $14.30. It was$14.

1:24:56How? I thought you bought the house. I pay for it. Huh? He bought it, but we pay it. It's a LSE that purchases it. Sake. Okay, so what is it? 1 ,000? 1 ,430. Utilities, gas, electric, internet? Gas, electric, internet,$55 for Wi-Fi,$100 for water,$175 for electric.

1:25:25No gas? No, no. 3.30, phone bill. Phone bill is 2.40. What the? 60 because my brother is on my line as well. Okay. 180. Gas, room, room, drive, drive. 400. Because I do Spark and that's a delivery thing for Walmart. Car insurance. How about your gas? I pay for it. So 100 total? 400 total. 400. 400. Oh. $400 total and then$284 for insurance. $600 for groceries. Totally fine. No plan. TP fund or anything else to survive? $200. Tampons, makeup, haircuts, all that good stuff. Medical healthcare copays? She goes to the doctor often and she has actual debt from her doctor. What's wrong with you? Besides new looking places.

1:26:26She has depression. So what's your go pays? $70. How frequently? Doctor or therapy? I thought you were doing that. $70 a week. $70 a week. You're anti-therapy, but you have depression? Yeah. She doesn't want to talk to a therapist. Who are you going to for$70 a week? My doctor. Her physician, bro. Like her clinic. She goes to what? A week? For what? I don't go every week. Yeah, you do. You take off work for that reason. I owe$270. You gave them more than three doctor's notes this year, and we're only in May. Oh, wait, but that's not once a week, though. No. No, no, no. This month has been once a week.

1:27:08Is it$280 a month or not? What is it? What do you think? Co-pays. What do you think? I don't know. I pay like$270 in co-pays this month. Oh! So however... Yeah, exactly. Because he keeps going to the doctor? Why? Because he keeps changing my medicine. What? That quick? Yes. Yeah, because if I don't think it works, I'm not taking it. So I go back. Okay. Yeah, you're horrible. I don't want to take medicine for no reason. But you don't know. It takes time for something to work or not. Well, she doesn't want to talk about her problems with anybody. You don't go to a... Her doctor advised her to go to therapy, but she doesn't want to.

1:27:46She's not even just doctor. What about the one who... Psychiatrist? Yeah. Oh, I don't talk to them. That's the one who's better at prescribing medicine usually Dude, you're weird Just see my regular doctor Yeah, shut the f*** up $80, you have no hope $80 a month for subscriptions Anything else that needs to be in this budget? Do you have any pets? Yes, we have Pug Actually His name's Apollo He's two years old Okay,$50 for pet insurance How much for pet food? It's around like$40 Anything else that needs to be in here? Do you have anything else? Well, she also makes$185 every two weeks with her dad because— I clean his office.

1:28:31So, yeah. So add that to the income as well. We don't have any other subscriptions or anything. I think we've had it all up before. I did. You didn't care about it because you didn't want to listen to it. Okay, so a couple things. You mentioned in the green room you have a Best Buy credit card. Yeah. It's at$153. I used it for my $153? $853 What's your minimum, asshole? $30 Sorry, bro I didn't hear you What's your minimum? $30 Okay Oh, what is this? It's an upstart as well Oh yeah, that's two grand for another two credit cards because I have five in total Dude, there shouldn't be more at this point Oh Oh, minimum payment is...

1:29:23Say 70 bucks. 70? Me, man. Okay, so now it's$5 ,177.97 a month. Dude, what the fuck is wrong with you? Are all the credit cards on now? How much does she get with her dad? Yeah. 175? What'd you get? 175 per? Per two weeks, so twice. That doesn't really... Okay, but even still, if you combine $6 ,450 which I don't even know if we should at this point it's just like what a mess this is.

1:29:58Okay, you have an extra$1 ,272. Let's give you$272 in fun money.

1:30:05So I feel like we do pretty good if we have extra money. Yeah, that's not how this works, bitch. Because all we're going to do with the extra money is to do stupid shit that we have been doing. I need the top of your document. Where is it? There it is. You have it. Okay. How much did you spend last month? Does that say 12 grand? Yeah. How much did we make, babe? Maybe. Come on, babe. Maybe. You don't know where it says income. Well, that's not your actual income because there were like Zells and stuff. It was weird. You guys made like actually like it was like almost 5 ,000. Okay. Either way. It doesn't really matter.

1:30:44but it takes two years to pay off. That's totally fine. And I give you a fund budget that people don't get of almost$300 and save off a six month emergency fund and then live 50, 30, 20 for the rest of your life. You guys will be multimillionaires. This is the easiest thing ever. You're just a spoiled bitch and you have no self-control. You guys are crazy. I want to see how you guys text each other. Oh, really? Okay. Yes, I'm going to be going through that on the post show. We're also going to call our dad on the post show. There's also something else absolutely crazy. Okay. We'll see. So make sure to join us on the post show.

1:31:14Let's get the hammer financial score. Spending and a budget. Overspending 0 out of 10. No collections. I'm doing household here. I do have collections. 1 ,000 and then 600. Why am I finding out debts an hour 36 minutes in? 0 out of 10. Go f*** yourself. No savings. 0 out of 10. No retirement. 0 out of 10. Who's on the title for the house? My dad. Just the dad. Not you. So 0 out of 10. Go f*** yourself. You have access to the LLC? Does it? Okay. Hammer financial score 0 out of 10. Get yours at CalebHammer.com. Join Hammer Elite. Click the join button. Get three premium shows posted every single day, six days a week.

1:31:48Join us for the extra 20 minutes of this episode. Call the Financial Auto Post Show. It's going to be a good one. We're going to call the dad, and I'm going to fucking expose this guy for OF. See you there. Call her dad and admit to your crimes. Wait, you have to call her? Oh, that is insane. Hold on. Hey, so we're on the show, and I just got exposed for only a reason. I also watch and they wanted me to tell you that. June 1st, I'm launching the Hammer Elite app, available on every major platform. Join the waitlist by using the link in the description or pinned comment down below to get a never-before-seen financial audit video and then an exclusive offer just for you.

1:32:25You'll get lifetime access to the entire Hammer Elite catalog and our Hammer for Life box packed with limited edition merch. So mark your calendar. June 1st, this is the best membership you'll ever join, and that is a promise.