Financial Audit’s Biggest Gold Digger

22:18He just said that's what happens. And then she's like, no, he sends me money. is a complete disconnect. So we both have a PNC account. We both have a Chime account. Great. Why don't you have a joint account where the money's going in and out of? That's what we have because only I make money. She just said you send her money though. I do, yeah. What are you not understanding? She has her own spending account and she has her own savings account. But do you have access to the joint? No. Then how is it a joint? Because what does she need access to it for? What does she need access to the joint? It's not a joint if she doesn't have access.

22:51All of our bills come out of that account. But it's not joint. Well, yeah, technically I don't have access to it. She knows my login information. Like she can log in if she wants to. Oh, so she has access. Yes, if she wants to log in. But you just said she didn't have access. She does have access. She doesn't like log in on her. I don't have his account on my phone. Like if I wanted to check his bank account. But you could get in if you wanted to. Yeah, yeah, yeah, yeah. But that's different. Okay. Like if she was like, can I check your bank account right now? she can take my phone and she has all the login information.

23:23It's just the spending account is on my phone. Okay, and why do you want your own account specifically? Separate. I think it's more like a security thing for me. What's the security? You guys already have a kid. I understand that. But like a year ago or two, our relationship was like super rocky. So like I wanted to— How long have you guys been together? I thought you said two years. Yeah. Like we just— Like our relationship— So you guys f***ing met and it was Rocky? We met and like on our fourth date, I moved in with him basically. I moved into his mom's house. That was the best. It was rough.

24:01It worked out. It was rough. It worked out, but it was rough. Yeah, it was rough. Okay, well I understand that being a bit rocky at the beginning, but why was it Rocky a year ago? Not trust him enough to have an account with him. Have your own. Yeah, why was it Rocky a year ago? We were just arguing a lot And there was like a lot of About like finances Because like up until a year ago He was kind of still on the edge About like being the provider And me like staying at home And spending the money And there was also like Some infidelity happening A year ago Dude what is with everyone An infidelity Just either Open up the relationship or leave Why are we Who infideled Oh, you look more like someone who would scream infidel.

24:49What? Look more like what? I already said it. Someone who would cheat? As it was at you. So there's, it was, yeah, I was at a bachelor party. I was in Columbia, South America and we went to a strip club and there was, yeah, there was some extracurricular activities. He cheated with a stripper. You f***ed the stripper with the strip club? No, I didn't. No, no. He didn't. I thought you said he cheated. He got a blowjob from a stripper. Oh, that would be a cheating. Yeah. She blew you in the strip club? Yeah. Not afraid of AIDS? No, there was a condom. There was a condom. Blowjob with a condom on?

25:21What are we even doing? I thought the same thing, but I did make him go get tested. Fair enough. Dude, you're with her. You guys aren't. Were you open? No. You guys weren't open? Why are you getting a blowjob from a strip? What are we doing? Look at you. You're cross. Two crosses. Double cross. You're double crossed. And you're getting a blowjob from a strip. Yeah, so that was a bad time. Oh, was it? Yeah, why'd you get a blowjob from the street? We'd answer that. You know what I'm saying? That would create trust issues on my end as well. So I understand this. I was at a bachelor party. There was a lot of things.

25:56That's wonderful. There were a lot of alcohol. Doesn't mean you have to get ahead. There was a lot of other things that you get in Columbia, South America that you - You were snorting. I don't know. I can't confirm or deny that. Of course. So why does that equal you getting a blowjob? I'm confused. Are you paying more than 15 bucks a month for your cell plan? $100,$150,$200. Congrats, you're paying a vanity tax. Mint Mobile has everything the big carriers have except the upcharge. And right now they're offering you an unlimited everything for just$15 a month. Any plan with 5G that covers 98 % of Americans.

26:32Worried about a nasty breakup? You can make the switch online. No store, no salesperson, no awkward silence. Bring your unlocked phone and keep your number. Their seven day money back guarantee means there is zero risk. Stop overpaying for wireless just because that's how it's always been. Switch to Mint and get three, six or 12 months of premium wireless for$15 per month. That's any plan, even unlimited. Shop plans at mintmobile.com slash hammer. Now back to the disaster at hand. I was just bad decisions. Blacked out in the strip club and made bad decisions. So, I mean, we've all been. Wait, wait, wait.

27:10So what happened then? How'd you find out? Like, what the? So he went to The Bachelor in Columbia. And basically, before he left, I had the conversation with him. And I'm like, I'm OK with you having fun. I want you to have fun. What's fun? Like, go out at night. Just like go bar hopping, have a drink. And you're good with the snort? I was not. I didn't know he was doing that. until like I was working at that time and he wasn't answering the phone. What a good religious man. And he basically, he was texting me. I wasn't at the time. I actually was not at all at the time. Big convert this year.

27:52He like texted me. This is last year. And I was like, why aren't you answering the phone? He was basically like, yeah, you can't believe it. Like there was just a bunch of crazy stuff happening. And I'm like, well, okay, I'm not really like okay with that. But I guess if you're having fun, then that's fine. But then that day, other stuff happened, which was the stripper thing. A blowjob. Yeah. And he didn't tell me that over the phone. He waited until he got home, and he, like, opened up about it. He was like, hey, I don't feel good about this. I just want to, like, come clean and be honest with you.

28:27The day I came back from the trip. So it wasn't, there was no, like. And what happened? I like at first like it was a shock to me because like um before I met him I was like I had zero trust in men because like I didn't grow up with a father I been I've been in abusive relationships before so like I was like yeah all men are the same and explains the forehead until this was This was actually a pool accident when I was younger. Self-abuse. But, yeah, so basically when I met him, he kind of changed my perspective. So when that happened, I was like, oh, well, this freaking sucks. And it took a lot of— Wait, that's not what I—come on.

29:10They just typed me what happened. What do you mean? You argue about the strifter and you hit him. Did I hit you? She did hit me. Yes. She did hit me. I mean, I deserved. Oh, we talked about it and, you know, it resolved. Well deserved Well deserved What if a man did that to a woman Would you say the same thing I do not condone violence You just said it was deserved But he got a blowjob That's a bad thing Usually we like leave someone, take a break He got a blowjob from a stripper On our first year anniversary If she took a dude's dick If she blew a dude with a condom on And you punched her Would that be deserved would it be deserved absolutely not I would know he probably wouldn't hit me though the double standard is crazy you probably would have you're crazy when have I ever given you any inclination that I would put my hands on you well at the beginning of our relationship you have like gotten in my face and that's why I hit him because he does he does scream in my face please flush that out yeah please flush that out what are you talking about I would get in your face I've given you any inclination I would put my hands on you at the beginning yeah that's crazy Because we'd get into screaming matches and he would get in my face.

30:26And like I said, I have like, at the beginning, I was like, I've been in this situation before. Like how close? He would get like really close. And he was just yelling? Yeah. About what? We would just argue about stupid shit and then he would like get all fed up. In your face, that's scary. So no, there's one situation. One particular situation she's talking about, we were sitting in the car. So I'm in the driver's seat. She's in the passenger seat. That's as close as we were to each other. So pretty much like how we're sitting across from each other at the table. And we started to fight. We were screaming at each other.

30:57And I did something like this with my arm. I, like, put my arm up. And she basically was like, don't put your fist in my face. And I was like, I didn't put my fist in her face. I literally talk with my hands. Like, I do this a lot of times. Yeah, but she's been abused in the past. I guess or something. I don't know. Yeah, so. Has she? I don't want to talk about other women's pasts. You know what I'm saying? Other women's pasts? Yeah. She's not other women. I mean, in general, you don't talk about their past. That's her business. You know what I mean? I talk about everything. I'm just saying when I do this, if I talk like this, would you think that I'm going to hit you?

31:30If you're right here, I'd be a little nervous. But right here, no. Especially if I've been hit in the past. That's not the case. That's not the case. Well, it was. You're playing it up right now because that's crazy. I don't think so because, like, I've actually told you, like, when I hit you, that sounds— Which, double standard. That's what I'm saying. Have I ever hit you? No, you haven't hit me. Okay, how many times have you hit me? How many times have you hit him? How many times have you hit me? How many times have I hit you? Like two or three times. That is not true. Like what kind? Straight punched me in the face.

31:56That is not a punch. No. I'm a small girl. I swear on everything. No, I would not punch him. I slapped him. I did slap him. That's a thing. No, she's - Me and my girlfriend have gotten in arguments. She's closed fist. I've never gotten in her face and she's never hit me. She's closed fist me two or three times. That's insane. That is not true. Double center. Hey, just because you've had bad relationships is like, I don't know how to throw. Bro, you can do this without knowing how to. She can actually throw an FD logo. I've slapped him. And I will own up to that. Bro saying you close fist. I believe him.

32:25I believe you that he got in your face. She close fist me twice and maybe slapped me once. But I know she close fist me twice at least. That's crazy. That is a double standard. Just because you had bad situations in the past doesn't mean you get to punch someone. But I was really hurt. I mean. So? And then he was physically hurt. Flip this. If a guy said that same thing. I understand that. I understand that. But like also he has gone in my face and like I'm trying to defend myself from a huge black dude. We're saying it's defense. This episode is brought to you by Google Chrome. You think you know a browser, but Gemini and Chrome, that's new.

32:59It can help you with practically anything on the web, like restoring a vintage motorcycle from a 50 page restoration block or finally break down that long article you've had open for weeks. Gemini and Chrome is here for it. Ready to make anything online make sense? There's no place like Chrome. Check responses set up required compatibility and availability varies 18 plus. Why is it black guys? Did you say that? He's intimidating. That's crazy. Because he's black? Because he's big. You said big black dude. That's crazy. Is he not black? He is, but why was that even a part of why you're intimidated?

33:35Because he, I don't know. He's just big. Is he statistically more likely to hit you or you say? I did not say that. I mean. You said that. Numbers, numbers. I'm just saying there's only one person in this relationship that's gotten... Yeah, very true. And it happens to be a black man. You are a minority beater. She's Latina, so I mean, I knew what I was walking into. Yeah, about 50 % of the world is these days, I swear. At least my company is like 90%, so that means nothing. You just look like America now. That's very true. Really? Our daughter is the most American, you know, a little bit of everything.

34:09She's beautiful. Okay, so you punch men. But okay, how did it get resolved though? Because yes, I understand if you went trust issues, you open this bank account. That makes sense. I mean, I kind of get that. So she had her own bank account when we met. And then basically there was a lot of discussions about 50-50. And my whole thing was especially after the infidelity, I wanted to make sure that she felt secure in the ability to leave whenever she wanted. So it was important to make sure that she had enough money to be able to leave if she wanted to leave. That way it was never a situation of, oh, I'm trapped here, whatever, stuck, I can't leave.

34:46You know what I mean? Yeah, I do get that. So, okay, the cheating happened, you hit him. But then what? Over the course of the next days, weeks, like how is this resolved? I'm curious. That is egregious. Yeah, it was very, it was tough. We, you know, I obviously admitted to my wrongs. I was like, you know, I want to go to therapy. I'll do whatever this takes. And I knew. And you, though? It was really hard. In your mind, your thoughts? Yeah, I mean, well, he was when this was. This episode is brought to you by Google Chrome. You think you know a browser, but Gemini and Chrome? That's new. It can help you with practically anything on the web, like restoring a vintage motorcycle from a 50-page restoration block, or finally break down that long article you've had open for weeks.

35:29Gemini and Chrome is here for it. Ready to make anything online make sense? There's no place like Chrome. Check responses set up required compatibility and availability varies 18+. Full lip in them. Yeah. Yeah, it was really hard. There was a lot of trust issues. It really did mess with my mental health too. Again, because of my past relationship. Yeah, but I'm just talking about y 'all's relationship. Like when did it get to normal? Do you trust him today? I do. Okay, when did you get that back? I think when... It's impressive. It went away like probably like a year after that. That would be like now.

36:14Well, no, technically not because, well. It was like a year ago, you said. We met in 2024 and that happened. Wait, when did that happen? No, no, you said like a year ago. So, okay, fine. Maybe it's a year and a half. But either way, what if he's on another bachelor trip? He's not going. You're just not allowed to go on bachelor trips. No best friends. No bachelor trips. So you do not trust him? I don't think it's a trust thing. I think it's more of like a respect thing. I think it's more of like a respect thing. Well, it'd be respectful for him to just not do that next time he's on a bachelor trip.

36:49You don't trust him to be able to go on a bachelor trip. You don't respect him. You don't trust him to go on another bachelor trip. Because a respectful thing would be him to show up for his like best boy, you know? Well, his best boy already got married. He doesn't have any. What if he gets another one throughout his life? He's young. He's, no, he's not going. Okay, so you don't trust him. If there were to be a situation like that, I think it would be more— If he wants to go abroad for a bachelor, I would go with him. Does he even have to— Well, that's crazy. No, no. Yes, though. Yes. So you don't trust him?

37:24I do trust him. No, you don't. That's not trusting. Can he go to a strip club with his boys tonight? No. Then you don't trust him. He's not going— I wouldn't go to a strip club. I get that. That wasn't the question. I get your question, yeah. If he were to ask me if he can go to a strip club, no. And if that— Why? What's the answer? What's the why? Because he got - Got headed a strip club? Yeah. So you don't trust him. Okay, fine. I don't. There you go. In that area, I don't. Which is fair. I'm not even saying that's not fair. But when you say you fully trust him now, clearly not if you were - I didn't say I fully trust him.

37:53I said that - Yes, you did. No, I didn't. You - You said you trust him. I do. There's different levels of trust. Like, if he's not going to another bachelor's trip, that doesn't mean that like - Well, you never - Okay, so on this show, like historically, We've had people do like revenge, and you didn't revenge cheat. She technically cheated first. I didn't. Oh, first? Yeah, technically. Wait, you cheated. What is, why is everyone on the show cheating? Technically. Before he tells his story, I did not have sex with anybody. Okay. I did not give blowjobs. Well, neither did he. He got a blowjob. I did not do anything with anybody.

38:30You said technically? Technically, he didn't have sex with anybody. I did not have sex with anybody. What are we technically not? He had, he got. Did you do soaking? What? What? No, he said technically. I didn't have sex with anybody. He had physical contact with another person and a stripper. Let me just put that there. A stripper, which is gross. And it's like, it was, yeah. So we'd been together for maybe two months at this point, going on three. Oh, a while ago. Well, you did say she did it first. It was first, yeah. And the whole thing was is that at this point, she didn't want to be 50-50.

39:00She wanted me to financially support her, which I was doing everything to do that. Two months in, that's kind of crazy. It was crazy. That's crazy. crazy that's like gold digger i don't think so it's two months in that's wild that is gold digger as a man who's trying to court you no this episode is brought to you by google chrome you think you know a browser but gemini and chrome that's new it can help you with practically anything on the web like restoring a vintage motorcycle from a 50 page restoration block or finally break down that long article you've had open for weeks gemini and chrome is here for it ready to make anything online make sense there's no place like chrome check responses set up Required compatibility and availability varies 18 plus.

39:40I don't think that I should be - Who the f*** are you? A man that you haven't, like, what is your strategy when it comes to, like, dating women? You date, you get to know them. Once you're in a deep, serious relationship, then we can have those conversations. You were two months in. No, I don't - But to be fair, you are not a high-valued woman. You are a person. A birthing person. I've never said - To her credit, she moved out to Texas with me two months in. I have never said that I'm high-valued. So, like, she had, like - Well, you clearly think you're entitled to something two months in for him to completely take care of you.

40:08I think that men and women have roles. It wasn't even just about entitles. This is finance. This isn't 1950. It's a dual income household. We're talking about our personal. We're not talking about finances right now. We're talking about. To be fair. We are when it comes to you expected him to fully take care of you financially. I didn't expect him to fully take care of me. That's what he was saying. So look, she quit. So she quit her job. She quit her job and she moved out to Texas with me. Yeah. Get another job. Because he told me to. And I did. Hold on. Hold on. And then even when we were out in Texas, I was still taking care of her.

40:35She didn't have to pay for anything. Right. We are laying in bed one morning. She gets a phone call and she like looks really scared and she hangs up and then they call right back. And I was like, I take the phone and I answer. I'm like, yo, who is this? And she's like looking really nervous and scared. And there's this dude. He's basically like cussing me out. It was like, tell her to give me my money back. Tell her to get, I tell her to give me that necklace back and like all this crazy stuff. And you know, all the purses I bought her. and I was like like basically I you know was told the dude to fuck off and I was like what is this and she was like oh I don't know I don't know and I was like I told you no you didn't tell me at first I had to no you didn't I had to dig it out of you and then basically it was this guy that she was getting money from the entire time we had been dating for the past three months and he was like sending her money and buying her stuff and like yeah so that there was that situation and like Like, that was my biggest...

41:28Then you say you're not a gold digger. You're getting sugar daddied. Did she send him nudes? No, she didn't allegedly do anything with this guy. She didn't allegedly. No. Yeah, I don't know. Allegedly? Allegedly, because look, this is the whole situation. It's a while ago. That conversation doesn't exist anymore on your phone, does it? No, it doesn't. And it doesn't even... She had my phone. Hold on. It doesn't even matter because the fact of the matter is it doesn't... Like, if she was doing something physically with him, that's one thing. but like she made it clear that she did not want to do anything with him and was just entirely leading him on and was just using him for the money.

42:02And that is still cheating in a way. Now, mind you, I'm like, okay, so you're just using this guy for his money and he, you made it clear that he had no chance, but you had no problem taking his money. And I'm like, okay, so how am I going to be any different? You know what I'm saying? And it sounds like it because you were two months in and she was demanding all the money. And here's the thing. She says she's not a gold diggers, but then the producer sent us a note from your literal interview that you were telling the producers in the whole onboarding process that you love the finer things and that guys provide those things for you.

42:31Like expensive gifts, a coach purse, a Dyson Air rep for$600, a Christian Dior necklace, sending you money. You love when men send you money, thousands of dollars via cash. Okay, okay. Men, that's a lot of - That's a gold digger. That's a lot of men. That's a - Did not get money from a bunch of different men. There was two men before we met. Two men before we met. And then that guy while you were together. Which one was the second? And then demanding that he takes care of your entire life two months in. That is a four-person friend. Who was the second? There was the dude on Snapchat that you were like that.

43:04So, again. You betcha I'll be looking through that on the post show. I don't have Snapchat. We were laying in bed, again, while I was taking care of her. And there was like, we were about to have sex. and like she was on Snapchat and there was like a message from a guy and he said something like, oh, I like the way I used to like kiss up on your neck or something like that. Which was not true. Which was not true. So she said that nothing ever happened with this guy. Nothing ever happened. Why would he? That makes no sense. I was like, why would he say something like that if it never happened? Let me explain that.

43:40Let's see a whore try to unwhore herself. With the first situation with the guy that was sending me money, Yes, he was sending me money. First guy, three. Two before him, one during him, and then him. That's four. One during him. That's a trend. Yeah, the guy two months in when he called. That was the guy who called and the guy on Snapchat. Those were the two. Okay, so two and then him. That's still a trend. Three strikes, whore. She's not a whore. She's not a whore. Okay, so. She's converted over the last year. So, yeah, he was sending me money. He was an ex-co-worker of mine. He got fired from me.

44:12Co-worker? Yeah. You were f***ing leading on a co-worker. He was... Evil. Leave it now. He got fired from the job because he decided he wanted to threaten the store manager to beat him up. I don't care why he was fired. It's a dude I've never met. You were leading him up. I'm trying to give you the context, okay? So that's how I met him. And yes, he was sending me money because he was in love with me and I was leading him on. I can be honest about that. She likes toxic men because he tried to beat up the manager. what does that say about you then? I'm just saying. What does it say about you? Okay.

44:51Anyways. And he did give me a lot of gifts. He gave me a necklace and the purses and all that. A Christian Dior necklace that cost$3 ,000. Good. Yeah. I gave away. And what were you doing with him? I didn't absolutely nothing. No, but you were leaving him on somehow though. She was. He thought he had a chance. He thought he had a chance. Yeah. I mean, we were texting. I didn't have sex with him. I didn't kiss him. I didn't do anything with him. It was just like through text messages. And I was very clear with him that I did not want to do any of that. And he still wanted to. That doesn't make sense.

45:23How much is that? Custom. How much is it? I don't want to tell you that. This is financial audit. Tell me that. It was like$4 ,000. You're settling for that. Bro makes 200 ,000 hours a year and you got a$4 ,000 ring? It's a three-carat ring. It's a lab-grown diamond. and he custom made it. I wasn't going to get a natural diamond. So it's, it's, it's, it's your sentiment behind it. If I was you and I demand the world and my man makes $200 ,000 a year and I only get a$4 ,000 ring. I wasn't making$200 ,000 a year when I got that ring. When'd you get it? I got that ring. What was it? Like last year?

46:03Okay. I made a hundred thousand hours only got you four. He should, you would expect it to be 10. How, what percentage of my income is that? Four. Yeah. That's a lot. Yeah, but rings usually go higher. I wouldn't even advocate for it. But for someone like you. On a depreciating asset? Come on now, Caleb. So sorry, I'm actually with you on this. I know you are. But the thing is, with her, she's a money-grubbing slut. So the reality is. She's not a slut. Don't talk about her like that. What's your body? Count. I'm not going to tell you that. I don't even know that. Not a slut? I don't know that.

46:30She would tell me if she wasn't. He hasn't even asked me that. Why would I tell you? Because he just said you're not a slut. I don't think you can prove it. I'm not a slut. Listen, I actually don't care if you were. But the reality is, I feel like she would expect more of a ring. Just based on her history of gold digging like crazy. I love my ring because it has sentiment behind it because he custom made it. What is this custom? He told someone to make it? No, because if I would have bought that ring from the store. It's a nice ring. It would have cost like$10 ,000. It's a nice ring. It's fine.

46:56It's fine. Congratulations. Good job. You guys had a kit too. And he did buy another ring that I didn't. I bet you know a lot of jewelers. Jew. he did buy another ring that I didn't like so he got this one so that contributes to the narrative I guess okay have you been a gold digger I don't know maybe a little you certainly were in the past maybe you changed but if a relationship is starting on infidelity and then infidelity halfway in brutal place to be at this point and I definitely understand why there would be some trust issues especially when it comes to something as important as money what's the state of the household finances today I know you make good money but you have lifestyles, you're inflated yourself clearly and you don't even know how much debt you have.

47:38How's the communication of finances in this house? How do we communicate? You say you sit down and you tell her, what's your understanding of the finances? Maybe we should start there. I know that he makes a lot of money and I mean, he just sends me money. I don't really ask or question what he does with his money. I just mind my business with whatever he does. So you don't consider it ours? No, it's ours. We just said his money. So we sit there once a month and we go line by line on all of our jobs. You don't give a fuck if he sends more than he makes? No, I do. That's why I was surprised that he spent more than what— She does too.

48:16What do you mean? What money do you think she spends? I don't know. She's making it sound like it's just you spending. In her words— He does spend a lot of money. You spend— I do spend a lot of money. She spends a lot of money too. I do. Not more than you, but— Okay, we'll see. We'll see. The numbers will show. What? I mean, you disagree? You think she spends more? Oh, I mean— Why do you think she spends more? She just like, she, she just will buy things. Like for instance, she has these hair curlers, right? Like these little styrofoam things that you curl in your hair and she has some and she just bought like another set because she's like, oh, you come in here with frizzy hair.

48:49I don't have frizzy hair, but she like, she'll buy like two of the same thing. Bad hair. That's why I'm like, she spends, like she just buys stupider stuff than I think I buy. I buy stuff that I genuinely use. He spends a lot of money on weed. Yeah, I do. What a good Christian man you are. Shulking means not unchristian. I think a lot of Christians would disagree with you. Sure, there's a lot of Christians that disagree on a lot of stuff. Doesn't mean that they're right or wrong. Well, I would say the more traditionalist view would be addictive substances are not good. Well, alcohol is an addictive substance, right?

49:17Yeah, but then they also argue that the Weinberg's son had less alcohol. Trust me. I'm probably, again, more on your side, but it's a little hypocritical of you. And the more traditional. It's something I'm working on for sure, and it's not something I'm proud of. Yeah, and we've gotten better. Crime. So, crime? Oh, it's just a something. You're funny. Yeah, no crime. No crime. I've been 100 % legit my whole life. He told me he's never been arrested on a first date. On a first date. I've never been put in handcuffs. I've never been asked to be stepped out of the car by a cop. Yeah. Never. Never been in any trouble with the law.

49:50He has herpes. Like, all this is happening. Come on. But in this relationship with the dynamic that it is today, I am being told that there's like a disagreement on like the roles because you are so role focused and I know you're bringing in the money, but I'm being told there's a disagreement on the baby and you're supposed to be the homemaker and he's supposed to be the breadwinner and all this stuff. What's the issue? We've gotten into multiple arguments about our roles. I know what my role is and it's like, take care of the house, take care of the baby. You know that's your role. What do you mean you know?

50:24That's what I was going to say. What conversation? How is that you know? Isn't that something you guys decide together? Yeah, we decided that he was going to provide and I was going to be the stay-at-home mom and basically not work. So you do nothing? I make sourdough. Because it's been two months. So two months you've been contributing by breastfeeding. But besides that, it's like, so she just really hasn't done shit for a while. So she does, I mean, at least— I take care of her daughter. Besides sourdough. I mean, for the— Yeah, for two months, though. For the last 10 months. I was pregnant for nine.

50:57Yeah, so the last 10 months. Have you seen pregnant women? Yes. A lot of them work like crazy. So that's okay. That's one of the biggest arguments that we have is that she's 24 years old now, right? And she's basically hasn't had to do anything. And even over the last 10 months. Yeah, she's been spoiled by men her whole life. And her mom lived with us too. So like her mom pretty much took care of her her whole pregnancy and after the baby was born as well. How the fuck are you going to be able to take care of a child? She's good at it. Never took care of it. She's a great man. What is that? All she has to do is this.

51:24Yeah, but she's like, you haven't been able to raise yourself and take care of yourself. Men, that's actually not true. You're about to make this a man thing? Yeah, go ahead and gender this. Yeah, because men like you think that - What is a man like me? Giving birth is just this thing. You just pop out a baby and that's it. No, I don't. Giving birth is incredibly difficult. What are you talking about? Exactly. But for the last two months - And taking care of a newborn and keeping it alive is pretty difficult as well. No, no, no. I'm just saying when you're saying like, oh, yeah, but I mean, she's never done anything in her whole life, but now she's taking care of me.

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55:25I'm talking about the kid. So on the actual raising a child part, you never raised yourself. You never had to be an adult. You've only been - She did. No, so that's not fair. She did. What? You just told me she did it. I'm only going over the information you give me. Before we met, like, she was taking care of her sister pretty much, like - What about the mom situation? She said the mom moved in. That was when I got pregnant and she moved in with us. Oh, then why'd you bring that up? Because that's not unfair. Yeah, because whenever her mom moved in with us - Maybe I'm on your side. No, her mom moved in with us, cleaned the house, cooked everything, literally took care of the - Did she do anything while pregnant?

55:57Not really. And you had an issue with that? No, no, no. The issue wasn't while she was pregnant. So what's the argument then, guys? So the argument is like, for example. You talk a lot for somebody who doesn't want to let somebody explain the story. The argument is. I get bored easy. The argument is there was a situation specifically a few nights ago, maybe a week ago, where she woke up with the baby. The baby had like peed on her. Wait, allow me to interrupt you. Go ahead. Okay, it's your show, of course. So the baby peed on her and then she woke up really upset. And I was like, hey, what can I do to help?

56:26Kind of your one job. And she was exactly. But I was like, what can I do to help you? Because like I have to wake up in the morning. So I took the baby from her. I'm putting the baby back to sleep while she's like cleaning up the pee mess. And me and the baby fall back to sleep. She walks out of the room, comes back in, like slams the door open. Baby wakes up. What's wrong with you? I didn't. Either way. I was like, yo. Bro has to wake up and provide. Isn't that what you want him to do? I was like, what's wrong with you? Why are you sitting here storming around the house? I was like, if you need help, you need to make it clear and like not do this.

56:54Right. So then kind of acting like the newborn. But hold on. I did lose my cool. I yelled at her a little bit. So when I woke up in the morning before I went to. Wait, let's pause it there. Let me finish the story. I'm good with a little pause. What's up? What's up, girl? Girly pop. So she peed on me, right? She goes back to the beginning of the story. No, yeah. I thought we were pausing. It's obviously from your perspective. If you're going to tell your side, let me finish. Okay, let's let him finish. You're ruining it. So then I wake up in the morning because I yelled at her in the middle of the night after she got peed on by the baby before I go to work.

57:26Now, mind you, every morning I work out, I do everything. By the way, she would describe that as a black man yelling. Yeah. So either way, the black man was yelling at her in the middle of the night. I wake up, I clean the whole kitchen. I mean, I do the dishes. I mop the floors. I sweep. I let the dogs out. I feed them. I do everything. So that way when she wakes up, she doesn't have to do anything. And then I come home from work. I literally, the first thing I do, take the baby from her. I go lay down with the baby. So that way she, cause she's been with the baby all day. I changed the baby's diaper and then I'm laying with the baby she comes into the room as I'm laying down with the baby just chilling and she's like picks up like the changing station the little changing mat wipes and she goes can I talk to you about something and I'm like sure what's up she's like I feel like you've just been leaving stuff around the house because you know I'm gonna pick it up and then I was like which probably isn't even true but women just like feel things instead of no things so then I do leave I do leave stuff around a lot I will give her that but I was like are you sure you want to have this conversation right now.

58:20She's like, yeah, what do you mean? And I'm like, well, I did just clean up the entire kitchen before I went to work and I came home. I changed the baby's diaper and you're going to like bitch at me for leaving the wipes out. And then hold on. The thing is, is that she literally will do the same thing. So the next day she left the wipes out and I pointed at him and I was like, you just yelled at me yesterday for leaving these wipes out saying that I leave them out intentionally because you're going to clean it up. Wait, didn't you say the whole thing was you to be at home to like take care of the house?

58:46Listen, listen. So like, I mean, Maybe it's messy of him, but isn't that kind of like the role you've set up is like he goes and works and you take care of the house. Yeah, that is my job. Sounds like you're not going to take care of the house. I have been picking up after him for two years since we've been together. But that's what you said you were okay with. Exactly. Then why are you yelling at him for it? I did not yell at him. I walked into the room and I told him, I'm like, I even started off the conversation because I know how he gets. And I'm like, hey, he gets very upset very quickly.

59:14and so I'm like hey I don't mind picking up after you and then I did say that I'm like yeah I feel like you're leaving stuff behind knowing that I'm gonna pick it up in the uh pre-interview by the way that's crazy and did I okay well anyway so the whole that whole situation yeah she peed on me and I wanted to change the sheets because I'm not about to sleep and pee the whole night. So I went to go get the sheets and a blanket. And the blanket that I had was very thick because we have a king size bed. So it's very big and thick. And so I, my, both of my hands were busy. So I pushed open the door and it just opened up.

59:55Like I didn't intentionally throw it, throw the door so she can wake up with him. It just happened. And so before I got the chance to switch the sheets, he's like, why are you so upset? Like you shouldn't be upset because this is your job. Like, you shouldn't be complaining about it. You're a Latina woman. You guys are always upset, though. I'm not always upset. I was upset that night because she peed on me, and I had been up with her. I know you can't call her a c***, but isn't she, like, always a c***? No, she's not. No, not at all. She's not. She's definitely not. But he... Two more years, though, and, oh, she's going to be huge.

1:00:28What does that mean? Have you seen every Latina woman at 26? Do you know what happens? No, I don't. Torta. Ew, first of all. Well, it's a science. Second of all, that's, no, no. A little racism, a little science. 100 % true. She's definitely not a cunt, but I get called bipolar because I clean up the kitchen and then get told to pick up after myself. And I bring in$20 ,000 a month before taxes. So I'm just like, what can a guy do? You know what I'm saying? The reason I brought that up was because he continues to, I don't ask him for help at all. I don't. He does the things because he wants to, and I am very grateful that he does that.

1:01:03But I don't necessarily go up to him and I'm like, can you change her diaper? Can you do this? Can you do that? So if I don't help, things don't get done. No, no, no, listen, listen. Things don't get done if I don't help. That is not true. It is true. I literally cleaned the entire house like two days ago. Oh, congratulations one time? Yeah, it hasn't since then. That is not, no. I thought you were a homemaker. I do clean the house. Let me finish the story. So I am like, okay, he has continuously asked me to ask for help and not to like take up all the responsibility for myself because it is very tiring.

1:01:34So her asking for help is telling me I leave stuff around and I don't pick up after myself. And again, this is not me complaining. He left the entire kitchen a mess. He leaves clothes all over when he gets home from work. But you said you were okay with it. That's the deal you took. Clearly not. I am. I pick up after myself too, though. So if I do leave it around, I also pick up after myself. The only reason I brought it up was because this is the way that I would like for him to help. Because I do recognize that my role is to take care of the baby in the house. And I show him. You recognize that.

1:02:04Did you guys agree on that? Yes, we agreed on that. Then why are you complaining about it? I did not complain about it. You're not listening to me. What I said was that he, that's the way I would like him to help me out is not leave so much shit behind. And that's what I was trying to tell him. I'm like, hey, I'm noticing you're leaving more stuff behind than normal. How many hours a week are you working? So while she was pregnant, I was working Monday through Saturday, 9 to 5 basically. And now? I stopped working Saturdays, but I just picked Saturdays back up. 40-hour work quick. Yeah, you can step up and be more clean around the house.

1:02:36What are you doing? But it varies. So I leave at 9 and I might get home at 7 some nights because it's a sales job. You know what I'm saying? So it might take me an hour or two at each stop and I have like 9, 10 stops a day. You know what I'm saying? Jeez, you guys argue a lot. Your landlord had to check in on you guys because he was here. That's crazy. She lived next door to us. Our landlord was our next door neighbor. That's an alarm bell. It doesn't matter if the next door neighbor, regardless of if they're the landlord or not is checking in on us because of all the yelling. We had thin walls.

1:03:07It was like a townhouse. I've lived in a lot of thin walls. I've never had to check in on someone. You've never heard your neighbors yelling? No! You're lying. You're lying. You've never heard neighbors yelling in an apartment complex. I'm getting a no from there. You've never lived in a crazy - How would they know? Do they live with you? Okay, one guy who lives in like a college complex where they're probably just literally moaning or doing drugs. So everyone's saying no. Well, hearing people yell in apartment complexes is pretty normal to me. Wait a minute. I'm white. I've lived in a lot of apartment complex.

1:03:38And hearing people yell is normal. Which ones have you lived in? Not Section 8. Never Section 8. But yeah, we did used to argue a lot. And we would scream at each other. Sounds like you did two days ago. I mean, how frequently are we arguing? We bicker now. It's not arguing. How frequently are we bickering? Maybe once a week, if that. That's still pretty juicy. That's still pretty juicy. Well, it's mainly... How's y 'all's relationship today? I think it was great. Yeah. No issues? Everything's good? Yeah, I'd say so. How about you guys? I knew you were going to ask us that. Not as often as we used to, but.

1:04:15That happens. Yeah. What are we on? What? Three times a week? Two times a week? You guys are good. We're fine. No. Do you disagree with that? Yeah, I don't think it's that often. At least once a week. Yeah, I mean, sure. Oh, two months post birth. That's actually. Yeah, that's what I'm saying. Yeah, I don't really. We didn't even start having sex again until probably like, I don't know, what was it, like a month ago? You gotta let that thing recover. Yeah, for sure. I'm trying to be, you know, it's on her clock whenever, you know what I mean? Yeah, but also like - You go in the hole above for a while.

1:04:46You're crazy, too. Let it kind of get in there. Oh, she's into it. Oh, shit. anyways. Wow. Okay. Yike. That's fun. We know she likes anal. Didn't know we were going to get into that. Really not denying it. That's actually kind of crazy. Don't all Christians, though? Don't Christians do? Is that like what Christians do? You like anal? You like anal. Don't sit here and play. Don't play. Okay. I mean, hey, I didn't know. I was just kind of joking. What do we think? Well, I mean, you took the quiz, but I think you guys need to take it again because we did dramatically revamp it. What do you guys think Your household financial score is today Is 0 out of 10 I think it's I think it's 4 4 We'll see We'll see man I mean You need to do the countdown Income is not usually A determining factor That the income is But No we don't do the countdown anymore You haven't watched it in a while Huh I literally watched the episode That came out yesterday And you did it The one with the My Little Pony P****** guy She's a super fan I do watch you a lot She watches I come home from work and you're on the TV.

1:05:49I'm like, bro, can you turn? We'll do anal later. So if you watch your Hammer Financial Score, it is free at calebhammer.com. Just take the assessment, see where you stand, and you'll see where you stand in each category, and you can know where you need to improve. And if you don't want to be like guests who end up on this show, make sure to download the DollarWise budgeting app. You can change your life like tens of thousands of monthly active users are. Take the free trial to see if it works for you. And if you do, and if you like it, take the annual version. Most people do because it saves nearly 50%.

1:06:18You get the physical version of my 30-day meal plan signed by me mailed directly to you and the digital version of the cookbook as well. So check that out, guys. Links below, dollowise.com, calebhammer.com, all that good stuff. No, you have no excuse. So we don't have credit cards, but we have a firm. Yeah. Okay, so wow, yeah, you're so much better. It's not in my name. Come on, whose name? My mom's. Isn't that even worse, putting it into a family's name? What is this for? Our bed. Okay. I would say that's actually worse. Putting that on your family. Why would you do that? Because my mom doesn't care.

1:06:51But you make 200 ,000 hours a year. Yeah. Why put that on your mom? Regardless if she cares, you're still putting the risk on her head. It was 0%. It is still your choice. It's 0%. Good. 0 % are for yourself. You're still putting the risk on your mother. That holds your mom. I'm helping her credit. I'm helping her credit. Holds your mother. Like 50 something, 52. Okay. Yeah. So she has like 10 more years to retirement. And you're putting her in a risky position. You don't know what's going to happen. She's an expat. She actually abandoned her American citizenship for the most part and doesn't care about her credit anymore.

1:07:21Wait, how do you abandon it for the most part? I mean, she still has her... Where is she? She's moved to Canada. That's where she's from. Oh, trust me. The dad can still get her. Yeah. I mean, so she's basically just abandoning her credit. She's just like... Well, the dad can definitely still get her in Canada. I mean, apparently it can't from what she's told me. She is wrong. So I don't know. I don't know. that's not for me to worry about. Right, except you put it on her head so you might have to. So if anything, I'm going to help her credit because... Yeah, potentially unless you f*** it up.

1:07:51You're not willing to give yourself any kind of room for like a dramatic economic downturn or something because you're 30, I'm 31, we're like the same age. We haven't really grown up in a real recession. We saw our parents get affected a bit by the Great Recession, but even still, the vast majority of our memory is no really economic hard times. Pretty much, you know, a little dip here and there, but not anything actually bad. You're not willing to allow the world to be complicated. You're just going to— The world is already complicated. The world's pretty f***ed up. So, I mean— The best period of human history, I would say.

1:08:24I mean, as far as, like— Especially for a black dude in America. For sure, for sure. With no college education, yeah, 100%. You know what I'm saying? Like, it's the best— You're not going to hear me complain about that. You just said the world's f***ed up. The world is f***ed up. Come on, dude. The world is f***ed up. It's better than it's ever been. I mean, I would go back to the time when I didn't know the elites were eating children. So, I mean that. You know for a fact. You have evidence they eat children. I would say that's been made pretty clear with the evidence that's been released. He loves listening to Candace Owens.

1:08:52Ah. But either way. I mean, that's besides the point. My world's great. My world's great. Your world is. My world is great. My life is amazing. So, I mean, as far as that goes. Hold on. Keep hold of your child. An elite might come eat them. I know. That's why we. People say I'm an elite now. because I have a lot of money. We had our baby at home. Am I going to eat your child? I hope not. Is that really why you had the baby at home? You don't have enough money to be that elite. People say I am. You don't have enough money to be that elite. I appreciate it. Yeah. I mean, give it a few more years.

1:09:20You'll be up there. You're way more Jewish than I am. People are afraid of you these days too, including Candace Owens, right? Yeah, I know. I'm probably her like kryptonite, honestly. Okay. Jewish black guy. Is that really why you had birth at home? No, just because we don't trust the medical system. Yeah, it's not super. What are you afraid of? You think Joe Biden's going to get in there and get all grabby, grabby, eaty, eaty? No, but it is a fact that women of color have more deaths. She's Hispanic. I guarantee you every fucking doctor and everyone there is like, Is that Hispanic or Indian?

1:09:49Well, that was Indian, but a different kind of brown. All the nurses look like you. Yeah. It's just not safe to have the baby in the hospital. Not safe? Yeah, it's not safe for people. It's safer than ever. For white people. No, it's safer than ever for every statistical race. In terms of actual infant mortality, it's safer than ever. Yeah, but what about - Again, I don't want you to head down the world - What about the mortality of the mother, though? Okay, should we pull some statistics? Yeah, pull up the statistics of the mortality rate of women of color, specifically in Texas. It's pretty high.

1:10:21But going back to the bed, we got the bed for my mom because we had the baby, so we needed a better bed. Why does that make sense? Because the house we got was - Does the baby sleep in the bed? Yeah, a lot of the time. Doesn't have to, though, right? It doesn't have to. It's safe co-sleeping, by the way. It doesn't have to, but it's just easy. You're finding a cope reason to get the bed. What was wrong with your old bed? Well, the bed reclines. So whenever I have to wake up in the middle of the night, his side of the bed can stay down and I can just recline the bed and feed her and do all this stuff.

1:10:51That sounds great, but it sounds like we're finding a lot of reasons to it. And to put it on your mom again, I really don't understand that part. I know you're helping her credit, but again, you've never experienced a real economic hardship. And sales gets really complicated in those situations. Luckily, pest control is a bit more evergreen. What economic hardship would we experience that would influence something? I'm sorry, what? What type of economic hardship would we experience? High unemployment rate. Right. So do we have a high unemployment rate right now? No. I'm saying on this 18-month term, you don't know what's going to happen in the next 18 months is what I'm saying.

1:11:20I'm not saying today. I'm saying maybe 12 months from now. Well, isn't that why we make sure we have the money in our savings if we need it? Potentially. Yeah. So we have an emergency fund. But you're spending more than you make, so that's not going to go anywhere. We are spending more than we make. But a lot of the money is in checking, so it's going in and out. Yeah, you do have a few thousand saved up on the side, but across all your debt of$108 ,000, it would pay less than 10%. So that argument no longer exists. That's why we're risked debt free and then a fully funded emergency fund. Because your fully funded emergency fund wouldn't even come close to touching your debt.

1:11:56It wouldn't, objectively. I mean, yeah, it wouldn't. Number-wise, so you can't use that excuse. But it gives us - And also, you know what an economic downturn does? That leads to unemployment. It gives us six months. Which has you having to use your emergency fund. That's not a six-month emergency fund. I don't know what account you're looking at, but across our accounts it is. Your savings. But across your account, most of it's checking, so it doesn't work like that. Is that my savings? Yes, I have all your accounts. Our savings is between two different accounts. That's what I'm explaining to you.

1:12:24That's our rainy - That's our rainy - Okay, so there's one that's a rainy day. Yeah, there's one that's a rainy day. And it doesn't cover 10%. Rainy day? What rainy day? I'm saying it wouldn't cover six months of rainy day. I used a portion. Oh my gosh, dude. So it's even worse. Great. So the reality is what I am saying is if an economic downturn happens, that savings goes to pain for months, not for pain for debts. So you can't use that excuse the way you do. Your risk assessment is backwards. If there's an economic downturn, dude, like the debt. Yeah, the debt, which impacts your mom. That's why I'm saying it's bad debt.

1:12:56My mom's in Canada now. If there's an economic downturn in the United States, it's not going to affect her as much as it like what what what are you talking about anytime there's an economic downturn it affects all western nations living in the middle of nowhere canada it is not going to affect her it's not if she's living in a house that's 100 paid off and she's living off of whatever is it 100 paid off she lives she lives with that's helpful they might be able to leverage some kind of uh uh lean against the house at some point i don't know maybe they're not going to they're not going to might not probably not i would i would side on the statistical likelihood of not.

1:13:31But you can't say the risk is zero. Especially, the thing is, I would rather the risk be on my head. That's the point. Sure. Than on my mom's head. She's made it clear. She doesn't care about her current score. That doesn't matter. My mom can make a lot of choices, but if I still get the choice in the end to do it and approve it. Yeah, and she... You're still being a selfish son in the way. I'm not putting anything on her head. Well, absolutely. Zero percent interest. Yeah, no, no. You're just not taking into account for anything happening in the future. That's what I'm trying to bring up. You really don't seem to understand that point.

1:14:02That's kind of why we're on the show because we want to be better prepared for the future. You're pushing back against it a lot. So I'm saying that this isn't an inherently bad debt, but I would put it on your head, and you certainly coped the f*** out of the way to get it. We needed a new bed. We needed a new bed. Our bed was really gross. We moved into a place that was fully furnished. So the bed that we were sleeping on, God knows how many people slept on that bed. So there was a little increase during COVID for mortality across the board. It wasn't just people of color, by the way. The mortality rate for women of color compared to women of color.

1:14:33It had a slight more raise. Yes, it did. But that was only during COVID. Since 2000, since 2011, since 2012, since 2019, it's still falling overall. Again, there was a boop. Everything had a boop during COVID. So your statistics were just wrong. I'll send them to the producers when I get home. Huh? I said I can send them to the producers. Where did you get them from besides Candace Owens? This is not a Candace Owens stat. This is the Department of Human Services of Texas. Department of Human Services of Texas? Yes. Okay, and you cross-referenced that with what other studies? What do you have? Do you want me to just pull it out of my ass right now?

1:15:13If we spent all this money for this, then yeah, I'm going to need you to have some kind of backing, please. Spent all money for what? Needing to do the birth at home. Yes, because it is safer to have the baby at home than the hospital. Hold it up. What would you like me to pull up? The statistics that you're using. Buddy, you're saying cross-reference. Give me where this came from. I got you. I got you. I just wanted to give birth at home because I wanted to experience that. And black is the highest. Black women. Thank you. That's my point. Thank you. You just made my point. She's not a black woman.

1:15:40Women of color. Black women. Women of color. What do you like? No, you didn't make the point. I said black women. Okay. And it being the highest doesn't still mean that it is high. Cool. Hold on. it's actually for white women and Hispanic women are barely off Hispanic women is just barely above black women are where it actually gets higher so again you were wrong you're a black dude but you're not giving birth I was wrong yes it was a really fun experience by the way it's.1 the mortality rate by the way and it's a little boop uptick is for black women this is black women this is the bad off ones 0.13%.

1:16:22Not 1%, 0.13%. 0.13%. We didn't want our daughter being born in the hospital. I was trying to get the why, and your why was incorrect. Because it's just not safe. Statistically. It's not safe. That's not true. It's not safe. That's not true. I think you're wording it wrong. It's not safe. I mean, sure, your baby won't die. It's a good option for a lot of people. But your baby might have ADHD or autism or something. What? From the hospital? What is he talking about? What do you mean? He's talking about vaccines. We didn't do vaccines with our baby. By the way, for Hispanic women, it is 0.08 % mortality rate.

1:17:030.08. That's good, I guess, right? It's 50.3 deaths per 100 ,000 live births. Black births? Oh, that's even better than I had. What is your say? Per 100 ,000, you said? I think that's what it says. Wow, that's great. So now it's actually 0.05%. It says black women experience the highest rate among major single-year desegregated reports, which approximately 44 to 50 deaths per 100 ,000 live births, roughly three times higher than the rate of white women. Which, by the way, she's Hispanic. She's not even black. I don't know why we were focusing on the black woman part when that was your argument.

1:17:43But even still, that is 0.05%. Because there is no, there's this, they don't give us this. 0.05. Yes, they do. I have it. It doesn't say it here, so. 0.05. That's actually a very statistical W in terms of the modern medical system. But you're saying that. Where it came from? You're right. I wasn't saying it correctly. So, yeah, you're just afraid of vaccines. Gotcha. No, it's safer to have your baby at home. It's safer than the hospital. It's safer than the hospital. It's not unsafe to have your baby at the hospital, but it's safer to have your baby at home. as long as there's no complications with the birth.

1:18:20Well, isn't that a big if? Isn't that a big if? I would rather be in a hospital if there's complications. If you're a low-risk. If you're a healthy woman. Yeah, if you're like a... Low-risk, but you're still gambling. You're rolling the dice on that. What do you mean? Just with a better odd, right? You're rolling the dice having a baby in general. 0.05%. I agree. It's a risky thing having a child altogether. I'm not disagreeing with that. Okay. Well, you said it's safer to have a baby at home unless there is medical risk. That's a big unless. What do you mean? How is that a big unless? You suck with money, so you download a budgeting app.

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1:20:31It can happen during a birth. It can happen in the hospital or at home. And I would rather be in the hospital. I'm not disagreeing with you whether you actually were. You would rather be in the hospital, sure. But if you think about the process of giving birth, it is safer to have the baby at home if you are a healthy woman. It is. You do not have to rush to go to the hospital as soon as your water breaks. You don't have a bunch of strangers running around you telling you to do X, Y, and Z. You can have - You think doctors are just running around giving you different information about what to do during birth?

1:20:59When you - Have you been in a hospital during a birth - Like, during somebody giving birth? You are telling me. What happens? No, have you been in a hospital when a woman gives birth? No, so educate me. What happens is doctors running around giving you different information? Yes, there's doctors coming in and out of the room. And they're all giving you different information of what to do during the birth. They come in and give you different information, 100%. Yes. That's what happens? They're coming in. Hey, give birth. Hey, don't give birth. Hey, give birth. Push harder, push less. Yes, exactly.

1:21:21Some might come in and say, push harder. Some might say, come in, push less. Some might say, hey, it's time for the epidural. Some might say, hey, it's not quite time for the epidural yet. A woman could say, hey, I don't want an epidural. You've done lots of births?

1:21:34the birth for my mom's. How many did you abandon? None. What? This is my first child. Come on. I saw my mom give birth and I saw my ex's mom give birth. That's weird. I was in the room. I didn't like see her give birth, but I was like in the room. So for healthy, low risk Hispanic women in the United States, hospital birth is statistically safer than planned home birth for the baby, primarily due to lower neonatal and perinatal mortality raise risk absolute risk are low in both settings but material outcomes show fewer interventions at home with material with material mortality too rare for a reliable comparison by setting bingo no bingo is still opened what do you what did it say what is the ultimate statement there all that it is pretty much just as safe to have your baby at home it didn't say it said mortality is too rare for reliable comparison by setting it that's fair but you can't tell me it's Exactly what I just said.

1:22:32Then you can't tell me it's safer. It's just as safe. You didn't say that. You said it's safer. It's safer to have your baby at home as opposed to the hospital. It's not unsafe to have your baby in the hospital. But if you're a healthy woman, it is safe to have your baby at home. Part of it is because home births are uncommon overall, only about 1 % of U.S. births. So it is harder to gather information there. And even less rare, even more rare among Hispanic women. CDC data shows 0.5 % in recent years give births at home. That's why it's actually very difficult. That's what's reported though. That's what's reported.

1:22:59I feel like that statistic doesn't take into account the fact that there's like a ton of Hispanics that aren't documented here that wouldn't document that, that probably have their children at home. Maybe, but you're just guessing at that point. What? I would rather go off of just CDC data than guessing. So you're saying that CDC data would account for all of the millions of illegal immigrants that are here that would have their baby at home. I would rather go off of data than pull out of my ass, yes. Okay, cool. And you're trusting the CDC, the same people that told you that vaccines were okay, but then updated their website and said that it does cause things like autism?

1:23:27I don't even know what you're talking about. I'll be honest. I'm talking about your trust in the CDC and the information. I'm going to rather go off of that than, yes, you. I'm not saying go off of me. I'm just saying if you're going off. You're trying to have me take your advice as well. I'm saying that the CDC is fallible. I'm saying that their information has been proven wrong and been corrected in the past.

1:23:46Okay. So this study right here out of the New England Journal of Medicine shows that at home births for healthy individuals, even with a midwife, shows that the mortality rate for the child is about... Oh, sorry. For... Is it for the child or the woman? Let me make sure. For the child is two times higher at home than in the hospital for a healthy woman. Okay. That is the New England Journal of Medicine. For the child or for the woman. Child. Interesting. Which, they still matter. And this one's... It's been so many... Yeah. this one's from the American Journal of Astroenteritis and G I have become so bad at words but a lot of the vaginal stuff at home it is three to four times higher so it's safer?

1:24:40sure it's not so there's just no study that shows that it's safer yes there is a lower percent of people doing at home birth so it is hard to gather the data perfectly but in all the studies at least done it does show that it is statistically more dangerous at home I'm just when we're making the lives for something that didn't consent to come into the world, let's be actual informed instead of down a weird internet rabbit hole. Well, I was born at home. So? So you're saying that like... That's so anecdotal. It's not... Okay, I'm not saying that it's not anecdotal, but you're... What does it have to do to that?

1:25:09Do you think that we didn't do our research before we had our baby at home? Your research is watching Candace Owens, though. No, it's not. So she said. Check my YouTube history. See what I want. I don't know. I'm listening to her. What am I supposed to go off of? I'm just saying. You know? So we got a bed. You got a bed for that, yes. Yes, you sure did. It's a really nice bed. You got a bed because we had a new baby. Because you did a lot of cope. It's a really nice bed. You did a lot of cope. Cope. Oh. Cope.

1:25:41And also the National Library of Medicine. We have a fourth one. Okay, we get it. We get it. Do you get it? Because the next time you have a kid, are you going to be smart or are you going to go down the rabbit hole? I didn't go down the rabbit hole. Are you saying it wasn't smart to have the baby at home? Are you suggesting that it's more dangerous to have the baby at home? Well, statistically, yes. My home birth was amazing. And I'm not saying that for everyone it is, but for me it was really good. So I'm going to talk to you. I have no issue with you having the kid at home, by the way. No issue with that.

1:26:07Do that. But if you're going to sit here and tell me that it's safer and that's statistically wrong. I don't want to say that. A midwife doesn't. Okay. Yeah. I mean, yeah. We had a plan also in case of emergencies and nothing happened. No, and I'm very glad. Again, I'm not knocking that having a birth at home. Have it if you want to. But if you're going to sit here at this table and tell me I have to cope all this spend because it is statistically safer to have the kid at home when there is not one study, not one, not just the CDC. You can't just push back against that. Not one study that backs that up.

1:26:39Then I can't go along with it. Cope spend. Cope spend. Sure. And then you put it on your mother too, which is very of you. She didn't care. Doesn't matter. My mom wouldn't care if I asked for money today. It would still be selfish. Has your mom ever got you a gift? Yes. Okay. That was a gift for my mom. Okay. She's never gotten me a$5 ,000 gift. Well, my mom's cooler than yours. Where you have to do a minimum repayment. I think she's more easy to be manipulated. No, not at all. My mom's actually pretty hard to manipulate.

1:27:11Who the f*** convinced her to go live in the middle of a wilderness? Sounds like she's actually very easy to f*** with in the brain. Yeah, where'd she get that from? Yeah, herself. Sounds like she's gone down some weird... She's a little liberal. That's liberal? Canada's very liberal, yeah. Yeah, but living in the middle of the wilderness with no outside connections? Being an expat, yeah, it's pretty liberal. Just being like, I don't want to be an American citizen anymore. Oh, that's what it was about? It was about getting out of America? She got her Canadian citizenship. Yeah, maybe then. Well, she has her poutine.

1:27:39That's great. $5 ,000,$277.78 a month. Well, why'd you tell me there's no credit cards? I have a secured Capital One credit card of$250. Yeah, I just got that. I just got that. Like this week. You told me at the beginning I have no credit. What is wrong with this man? I did tell you that he got a credit card. He gives me such contradicting information so frequently throughout this conversation. I needed to build my credit. I just got those. Then maybe you should have got the affirm under your name. It wouldn't approve me because my credit was too bad. Oh, so that's what it actually was. See how this guy is?

1:28:10How much does he try to gaslight you? I'm sure that you've noticed. I do not gaslight her. When he tells you about the situations of the baby and all that I'm sure you can understand now I understand now That dude will f***ing walk circles around a conversation She knew about these credit cards And I told you about that See how you're f***ing doing this You see how you're trying to push information You knew about the credit cards Me? Yeah I just got them last week The producers did Why would I know? They're new from the statements that you had before And I fell down his trap that isn't what I push back against and then he's just throwing all these things in here to get me off the topic I already was on and they're secured no you're a professional you're a great gaslighter in getting off of any kind of pushback against yourself there's zero balances on all of those $250 that's the limit that's what I paid for you send us the limit usually we're asking for balances sell 500 it's zero balance Why did you send us these numbers?

1:29:14It was like an update. We were like, hey, what are the balances? And he sends us this, but apparently they're only the limits. Great. You're really good at following information. Okay, I sent everything, and they asked me if there was anything that changed, and I said, yeah, I got a few security credit cards. Yeah, here's these things, and he puts total down here. He doesn't say total limit. I did not send that. He doesn't say total limit. I did not send that. He didn't send that? No, that's not for me. Who sent this? I don't know. That's not for me, though. I did not send that. I did not send that.

1:29:39I can show you on my phone those, but they're all zero limits. zero dollars. I just spent what, five or a thousand bucks opening secured credit cards. I put 500 on one and 250 on two. You spent a thousand dollars? Yeah, I spent 500 on one and 250 on two different. So here's the Chime, thousand. Are you doing anything with it? Oh, Chime card account. He did give me a credit, one of the credit cards for gas on the new car. So.

1:30:10So this is a Chime checking. Yeah, so there's a chime checking. Okay, in here, you're getting some bullshit at the gas station. Probably. What'd you get him? He gets a lot of stuff at the gas station. What does he get? Coffee and - Coffee at the gas station. Energy drinks makes sense here. Gamer Subs, I would get the Liquid Assets. I don't have any extra of those to give out because they just came out. But it's the Caleb. It's our final. Finally, we have Liquid Assets. The Caleb Hammer Financial Audit flavored Gamer Subs. It is absolutely delicious. Go ahead. And yeah, they're very goony, but ours isn't.

1:30:40It's Liquid Assets. We're all kind of this. Rob me. But the thing is, they're actually really good. They're better than the energy drinks you get. We did a blind taste test. They approved it. They're so good. Just check it out. 10%, 40 cents a serving. We got 10 % off. Link in the description below. El Pollo, Suyurano, Apple Bill. Well, if we had it, we would give it to you. Put some of that raw meat in your mouth. You always want things for men, don't you, for free? El Mexicana Prime Video, Chance the Rapper,$1 ,500. Yeah, I bought some tickets to go see Chance the Rapper. Wait, how much was that?

1:31:11$1 ,500. She knew that. I bought tickets, meet and greet tickets for me, her. She has brain damage. She can't remember. You have to remind her. And then our friend that's babysitting our baby right now, I bought it for her and her husband. So we're all going to go see each other. Why? They're my friends. I didn't know. But you have debt. Pay it off, asshole. He's going to pay me back. You have a kid. He's going to pay me back. So it's not a gift. You literally got someone else into debt. Happy Cactus, energy drink, energy drink, Amazon, Uber Eats, Amazon, Amazon, Uber Eats, Apple Bell, Apple Store, Louis Vuitton, bullshit churches bullshit Louis Vuitton was hers Church's chicken Wait what is that?

1:31:49Church's chicken What's that? It's a chicken place How much is it? I think I probably I'll usually get like a drink or something when I'm drunk $100? Church's chicken? No way Oh gosh There's no way I didn't eat there so It's gonna be like five bucks You know it just says church Maybe I was just assuming Oh, yeah, it's church. Yeah, it's church. That's tithings. Yeah, I give$100 every Sunday at church. I don't think that's the percent you're supposed to be giving if you're a good Christian man. Apple Bell or Amazon, Amazon, Amazon. $100? At the end of the year, you make the difference. Oh, you're going to be making a big difference.

1:32:27Make commission. Happy Cactus, Bullshit, Coffee, Amazon. I mean, it's a lot of bullshit, dude. It's an endless amount of bullshit. It's an endless amount of bullshit. Another time checking again. Again, this is why I didn't allow the ending balance because it goes up and down, up and down, up and down. So it's just like it doesn't matter. But things are being transferred back and forth.

1:32:49Yeah, and then the spot me line of credit, this is nothing. My pay, it's nothing. It's just, again, money's in, money's out. But that's what's confusing. It's just like it gets weird. Oh, you owe money in taxes. I'm much better than all your other guests. No, I knew you were going to chew me up about that. Well, yes, because you owe money in taxes. Yeah. I paid off half, almost half of it. You sure did at some point, but why do you owe money on taxes in from one? So 21, 22, I owed taxes for. Why? What were you doing? I was just working a regular job, but I filed myself and I did something wrong.

1:33:22So I owed like 2 ,000 and then I owed like 6 ,000 for those years. And then. But it got up to 23. Yeah, because 24 and 25, I owed like 7 ,500 bucks for those two years. And that's because I was making commission. He'll owe$13 ,600 today. Yeah. Is it a payment plan? No, so they got bought. How do you feel about him owing so much in taxes? That's crazy. Yeah, she's not a fan. Yeah. You're going and buying a Porsche Cayenne when you owe money in taxes? I paid off half the taxes before I got the Porsche. You should have paid off all the taxes before you got the Porsche. But then I couldn't get the Porsche.

1:33:56You and your Porsche. You have a child. I don't give a shit. I needed a car for my child to get around it. Not a Porsche. Yeah, but it's a nice family car. It is what it is. You got a nice family car that's not a Porsche car. But it was about the same price as what I would have gotten. It's a dream car. It's a 20 % interest, you selfish gold diggin. I didn't know that. It's 20%. Listen, it's not that much, but it's a 20 % interest, which is insane. Yeah, it's insane. $8 ,371. Well, that's great. It's at a 20 % interest rate today, and you're not. So I don't give a f***. We would like to pay it off in a year.

1:34:24Congratulations. You're not. Well, yeah. I don't give a f***. You also owe money on taxes still. Guys, I love the financial auto guests that come on, and they get all the bad done. They're like, I would like to pay it off. Wow. Wow, what a gold star. Walk out of here. You solved your issue. We've been paying it off. Congratulations. You owe money on taxes and you have a minimum fee payment of$252.66. You're not paying it off. I think he also co-signed that with his mom. Yeah, my mom co-signed the Porsche. Okay, CarMax. What did we give him CarMax? That's my truck. You do sales. Why are you driving a truck?

1:34:58So I got that truck in 2024. Whenever I was doing a lot of traveling, we were driving around, moving to different states. I need something to like pack up all my stuff in. I didn't have a car. Get a SUV? I don't know. No, I just need something that I could throw everything in the back and just move in a moment's notice. What do you still owe on it today? $20 ,000. $20 ,500. This has gone down nowhere. Yeah. Because you borrowed$25 ,000. Again, a 20 % interest rate. $20 ,000. You have a minimum monthly payment of what? $610 ,000. $615 ,000. That's why we needed the Porsche, because the truck is so hard to drive.

1:35:32Shut up, gold digger. Guys, we're so much better. And here we go. A pass due... On what? Exeter. Pass due on Exeter? When? I don't think so. It read weird. But what is this Exeter for? That's the car. That's the truck. So it's the same thing? Yeah. No, this is a different loan. Is it not? No, it's the same thing. It's just the second page? Yeah, it's the same thing. Okay. Student loans, let's see. Let's read it correctly. How'd you get$46 ,843 to student loan debt? I went to college. For what? Neuroscience. Listen, whenever you decide to work again, if you ever do, instead of being a lazy, spoiled bitch for your entire life, I'll get you a course career certification so you can get back out there.

1:36:20A lot of people in the audience have converted them into six-figure jobs, okay? Okay, thank you. That'd be great. And I'll get you, you already got, you both have Chime? Yes. Okay, I like Chime. Chime's a great checking account. I highly recommend it. I have Chime because of you, so. Yeah, Chime's great. I've had them since 2015. So I don't need to get you on there. Lots of benefits, though, for people to sign up in my... I'm actually Chime Premium. I got the metal card. Oh, look at you. $46 ,000,$843. What's your minimum payment on these student loans? $321. Yeah. What were you studying? Neuroscience.

1:36:51Okay. Biology. Okay, this is, okay, well,$0, so it doesn't matter. This was late at one point, but it's zero. Oh, you were very late on the student loans and then you're like, oh shit. Yeah, I didn't pay those for some time. Sally Mae, they're in collections? Yeah, I got like... Are you saying you're better than others? Yeah. I was working with a credit repair company and they did get it taken off and they recently just put them back on, I think. Whoopsie,$1 ,819. Yeah.

1:37:24I think that's the only Sally Mae though, is that$1 ,800. $1 ,819, yeah, but it's in collections. Okay. Oh, no, there's more. More Sally Mae. $4 ,513.

1:37:38Department of Education. Why didn't I see there's any credit report? What is that? Well, it's on your credit report. Unless it's on hers, man. No, it's on mine. Okay, this is the sit-in loans. We already went through that. IC Systems. You have another collection. $204. $204 IC Systems. Yeah, not paid off at all. I have no clue. You don't know what that's for? I have no clue what that would be for. I made some bad decisions in my 20s, man. And then you, okay, here's your chime. So she's getting Groupon, Church, El Pollo, McDonald's, bullshit, Summer Moon, Summer Moon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon.

1:38:11I told you she was the spendier. Amazon, Amazon. You worked, no, you actually spent more than her. Yeah, I know. On your checking account. And again, this is why I don't count what's in your checking because everything goes in and out. So I'm not going to count that to as your savings. Your savings is$12 ,000 across the board. And that's not going to do it. You said you already took some. Combined, if you go through it, this is all bullshit. It's all bullshit. Is this a different checking account, this combined one? Which one? Chime? No, so... Combined account activity. Oh, this is all your accounts together.

1:38:39Yeah, yeah. Okay.

1:38:42Have you gotten to my stuff yet? 13. Yeah, we did one of your checking accounts. PlayStation, PlayStation. Was that pool hard hit really that bad? I'm so confused. Clearly. Yeah, it was pretty bad. 10 ,000 into your savings, but down from 12. Down from 12. Wait, what? Your savings from 12 ,000 down to 10. Yeah. Well, so when I opened the PNC account, they told me that I had to keep$5 ,000 in my checking or else I would get a draft fee. Bullshit spending in that checking account there, but I'm talking about your savings, dude. Oh, well. And in yours, it went from 12 ,000 to 14 ,000. But that was your checking account.

1:39:25Everything's in and out, so that's hard. bullshit bullshit bullshit it's just getting more and more and more bullshit yeah it's a lot of bullshit i don't really spend for my pnc though this is late now it's in collections 21 000 hours from global lending services auto loan that was the uh my car loan oh it's not just went into collections no it shouldn't be because we no i believe you it's in collections but she has gap coverage on it and like they didn't pay it off in time and then they sent it to collections and then we were working with them to like okay so you're still working with them no no we we've got that settled.

1:39:55Yeah, we just have to call, I guess, call them and get that taken off. There's no debt owed on it. And$3 ,000 in someone's retirement, whose? Mine. It's like$4 ,000 now. Okay. Yeah, as a household, you guys are dramatically behind on retirement. Okay, let's start a bunch of this. Very interested, especially for a high income earning. So, okay, income,$12 ,500. What's your rent? $2 ,100. Okay, all utilities plus internet combined?

1:40:26Like 24? Oh, wait, no. The rent is 21 and then utilities is like... Electric, gas, water, internet. Come on. It's like 350. Okay. Phone bill? 167. Why? T-Mobile, two lines. Okay, well, T-Mobile, same towers with helium for 15 bucks a line. If you don't own your phone, I would literally switch to... We're not poor. Do you use helium or T-Mobile? T-Mobile because I can afford it and it's in my budget. We're not poor. No, you can't. You literally are poor. You're broke. You can't afford shit. So you won't switch. Well, they include - It's the same service, dude. They include Netflix and stuff like that.

1:41:01They include some subscription services. You don't need it to survive. Use YouTube. I don't need to survive. It's better. I'll put 150 for now, but you should switch. Gas, vroom, vroom, drive, drive. That's$300 a month. Okay. Car insurance. I pay it every six months. It's like$3 ,200 every six months. okay who really so 533 a month for both cars full coverage yeah yikes dude you got terrible terrible yeah we have a debt payment is just I just had it.

1:41:46$1 ,466.94. Yeah, and you're telling me you don't need to do poor people things. Yes, you do. Groceries. Kids on titty, right? Yeah. $600 then. Meal prep, meal prep. TP fund. Anything else for you and the kids? And I know diapers and all that shit. Okay,$300. Medical health here. Are there co-pays monthly basis? No, she, hers is free. You're on WIC and Medicaid. Yeah. Yeah. We're not married. I know, but. She's a single mom. It should, it should have counted. It's kind of disgusting. She's a single mom. It should have counted. That is disgusting. What, what do you get? I get like$50 of fruits and veggies and then the rest, they just like give me like.

1:42:27Like milk eggs. Milk eggs. Okay. It's just like, it's not like a dollar amount. Okay. Then I'm putting 400 for groceries. Medical healthcare. Kara, what are your copays on a monthly basis? Zero, but we also bought a quarter cow, so we don't have to really buy meat anymore. That's weird. Okay, subscriptions,$50. I'll try. Is there a gym? Yeah,$130 a month. Okay. Anything else that needs to be in this budget?

1:42:54Like my monthly maintenance? I did. I put the TP fund as$300. I thought you watched the show. Oh. And I don't care what you think your monthly maintenance is outside of that. That's not. Not a lot. Nope. Uh-oh, almost like you have to budget for the first time in your life. Okay, so because you guys have a lot of leftover money, what I'll try to do is give you$1 ,000 for bullshit. There you go. You put that towards what you want, okay? That's because you guys make a lot of money. If sales go down, you cut that as the first thing. That gives you an extra$5 ,000 calls to$5 ,750 on a monthly basis.

1:43:29Well, all debt besides the student loans...

1:43:38Shit. Do you need help?

1:43:45Don't help him. Let him be disorganized. I'm just kidding. He's helping us. Okay, pay off your taxes literally two and a half months. What is wrong with you? Prioritizing a portion of all this shit? You're a... You only live once, man. Yep, so pay your taxes Like what? Government's not going anywhere Oh, they're coming to get you So take away the student loans Add in the collections Or pay off your debt And

1:44:18What's your dog's name? Nine months, corn and pear Okay, nine months and you pay off your debt What the fuck are you guys doing? You're just acting like children, you're selfish even though you have a kid fix this get a fully funded emergency fund get your shit together guys what a pathetic that's pathetic let's see who's really cheating today still i'm gonna go through their phones in the post show you know i always find something that's gonna be incredible we might call the mama's what so let's get the hammer financial score first though spending in a budget you overspent zero out of ten debt you have collections zero out of ten emergency fund for your guys's actual needs of survival it's about a six out of ten retirement very behind for the household.

1:44:56Very behind. I'd say two out of 10. It'll say zero out of 10. So certainly it is that savings that got you, but it needs to go towards debt, really. You can wipe it off in actually like six months with throwing that towards it. Real Hammer financial score, and I bet if you're checking now that we've updated it, it's going to be a two out of 10. Get you to CalebHammer.com. Now join us in the financial audit post show by joining Hammerly by clicking that join button below. You get three premium, incredible shows every single day, six days a week. And you can also join in on the Hammer Elite app or by going to HammerElite.com.

1:45:30See you in the post show. Usually the women are more interesting, but this time maybe it'll be the f***ing man's phone. He's not going to have anything. Oh, we'll see. Who's that? Who's this? Who's who? Veronica. Why are you sending eye, like eye reaction emojis like her working out? I just launched the brand new Hammer Elite app available on every major platform. so you can watch every show anywhere you want. You'll get three exclusive dedicated shows every single day, Monday through Saturday. Refer a friend after you sign up and you get an additional 30 days of Hammer Elite access for free. Download the Hammer Elite app by using the link in the description or pinned comment down below.

1:46:09This is the best membership you'll ever join, and that's a promise. I want you to be on the next episode of Financial Audit right here in Austin, Texas. If you think you have interesting finances with an interesting personality or a story or a life or relationship, I will personally pay you to take time off of work, fly you down to Austin, get you personal transportation, a hotel, food, and we'll have a great time hanging out. Go to calebhammer.com slash apply or click that link in the description below.