Financial Audit's Messiest Divorce

23:32Oh. And then give a call. Double call. Maybe he'll call back because his phone is off. Say no FaceTime. You can call me on audio. Yeah, just text him. I just want to know one thing what? you think all those you think all those problems you caused in my life are just gonna go just that way and you just okay that's just what it is I didn't cause any problems bro alright yup got you

24:03I told you he was calling to cuss me out I mean he didn't cuss me out don't he have like five baby mamas or not five baby mamas five bitches so here's what happened I found out. Editor, bring back when he said she revels in the drama. Because she revels in drama. I really don't. I'd be chilling. I'd like to emphasize. I'm starting to think he might be right. She is the drama. I told this dude I did not want to do anything with him anymore. I found out he had a girlfriend that he lived with, and he was sleeping with all kinds of different girls, and I was like, bro, that I'm good. You were open.

24:34I don't know. No. You weren't dating. We weren't together. But you weren't dating him. I know, but I just told him I just wanted you to be honest. But then I found out, like I said, he had her girlfriend and stuff. She had outreach. And so me and her had a conversation. She kicked him out. And he's just basically spiraling. And he's blaming me for a spiral. But he's a 46-year-old man with no job, no nada, nothing going on. But this is my best friend's cousin, I think it is. I don't know. You're f***ing your best friend's cousin. Let's talk about student loans. I know it's something we all avoid talking about.

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25:47They've got a 4.6 star rating on Google, which tells you people genuinely like working with them. So if your private student loans are burying you, it is time to reach out. Y-Refi wants to help you climb out of debt, not push you further into it. Check them out at yrefi.com slash hammer. That is Y-R-E-F-Y dot com slash hammer or call 888-973-3978. That is 888-973-3978. Break free from the high interest trap and get your finances under control once and for all. Want to know a dirty little secret? And no, I'm not starting an only f***. You're not broke because you suck with money. You just can't see where it's going.

26:30If your bank account is empty at the end of every month, that is not bad luck. that is bad tracking. And it's exactly why I use DollarWise. It shows you exactly where your money's going every single month. Spending, subscriptions, and savings all in one simple dashboard. Everything you need and nothing you don't. And when you download DollarWise today, you'll get six to try it for free, plus three months for just$9.99. So you can finally take control and see what your money's been doing behind your back. Click below to get started. And your sister's exes. Yeah. What's your relationship with your current boyfriend?

27:04Well, we're just kind of, we're just dating. We haven't done anything. We're just kind of seeing each other. How do you know him? He actually reached out to me on social media. Randomly? Randomly. He had been following my social media, I guess, for a while. So it's a random person. Random person, yeah. Okay, not your ex-coworker? No. The ex-coworker.

27:28We're, you know. we don't want to complicate things because we work together. Oh, current co-worker. Ex-co-worker. That's your f***ing. We just recently stopped working together. Wow, it's moved that quickly since Lindsay has onboarded you guys. That's how quickly you run through dick. No. The ex-co-worker is somebody that had liked me. I liked him. We didn't know. And we, you know, we would go out and have dinner and stuff, but we weren't doing anything. Dude, you're getting permacucked the entire time. That is crazy. At this point, it doesn't even concern me anymore because... Do you know her current boyfriend?

28:09Do you ever even see him? I've seen him. No, her current one, no. I don't, the other... But the one she just ended, the ex? Yeah, I'd seen him before. I heard you guys were friends. Who? Oh, no, that's her baby daddy. Oh, my gosh. They're everywhere. This... This is insane. Yeah, him and my ex-baby daddy get along. The notes couldn't even follow along. That's how much dick you go through. And the notes are always right. This is the first time it's wrong. What's your body count? I don't know. Honestly, I know that's bad. I don't know mine either. I don't give a fuck. But it's as very crazy as a mother of four who just left her husband three months ago and moved her mother in to do the mothering so that you could just go ride dick.

29:00Actually, I work more than anything. It doesn't matter. If we're being honest, if we're being honest. She did say she needed a break. But I get it, though. If after two years you've been saying, hey, you need help. I mean, I get you need a break. Help, that's fine. I mean, everyone needs help on certain things. I don't know. And I get the relationship wasn't perfect and dude wasn't doing what you wanted 100 % the way you wanted to do. but let's read this the right way with what's going on and how you are doing things. Okay. You moved your mother in so you could move out and get to the cheeks slapped a bit more.

29:37The moving out was actually something that I didn't know I was going to do. Bullshit. Because originally, no, originally Malik was supposed to move out. Bullshit. No, I did not know I was going to move out. Originally, I was supposed to move out. Okay, well, okay. Stop saying his real name, by the way. We bleeped that, but it's Justin. Either way, the moment you moved her in, you moved out and started getting them cheeks clapped. Actually, I started working more. I ended up moving up positions and started working hella more. Girl, we literally just talked about like five guys you're getting interacted with in the last few months that are, they're not hookups.

30:08They're literally, you just got triple called in this conversation from a guy saying, you know how much you f***ed up my life? Why does he think that? Because me and his ex that he was living with at the time that I didn't know about kicked him out. Call him back and ask how you f***ed up his life. Okay. Okay. Call him back and be like, how did I f*** up your life? You think I f***ed up your life? How did I f*** it up? All right, let's do that. What's his contact name? It's F60.08. That's the medical term and code for narcissistic behavior.

30:44Personality disorder.

30:49It's hard out here for a pimp, ain't it? Shit, you're telling me. He's not answering. Give me your phone.

31:02All right. We'll get him to call back. Oh, shit. Let me make sure you're not on Do Not Disturb Good because we need to hear it when it happens. I will stand guard. That works. Okay. Okay. So what's your current job then that you're so proud of grinding? So I just left actually last week. I start a new position on Monday. Huh? I just left. I was a service advisor. You just quit your job? On Wednesday, yes. Yes, I did. And I start a new one on Monday. It's a better job, I suppose. What the f*** are we doing now? It pays more. Was it lined up when you left? Yes, it was lined up when I left. Okay, that's fine.

31:38So what was the job? I was a service advisor for Chevrolet. What were you making? Probably about$4 ,000 a month. And now? And now I'll be making about five. It starts at 32 an hour. So I am a auto body service area manager. So I just kind of travel to different cities. Oh, is the gas reimbursed? They actually give me a vehicle. Good. They give me a vehicle. 32 an hour? Is it 40 hours a week? 40 hours a week.

32:11Okay. Not bad, but Seattle is desperately expensive. Should be more than$5 ,000 a month after taxes, after bennies, all that good stuff. I'm sure about four is hitting your account. 4 ,000 will hit your account a month, just about? Yeah, probably just about. What do you do, Justin? You were the breadwinner before whatever the f***. Now you live with her mom. It's weird. Okay. Yeah, for the time being, but she's going to be moving out eventually. Is there a plan for that? Yes. To move the mother out? Well, she wants to get her own place eventually, which is fine. What's your job, Justin? I'm a cook right now.

32:48at a nursing home. Yep, they got to eat. Makes sense. Okay. Well, I mean, I heard that you got in an argument with your HR representative and you just walked out the building. I sure did. So I don't, was that job lined up? It doesn't sound like it. No, I had already been looking for another job. Okay, so the job wasn't even lined up when you walked out. No, I had been looking. So you moved out, got your own place, abandoned your family, riding dick, and then you left HR after getting in an argument without having something lined up. No, I already had the job offers. I already had the job offers.

33:16I had been looking for weeks before that for a new job. And I had already had those other job offers. So I was just kind of still there, finishing out the pay period. And, well, they kind of pissed me off. Finding a new co-worker. Okay. What do you make as this cook? Right now it's$22 an hour. Okay. So definitely not the breadwinner anymore. She's making$32. So he makes$3 ,400 a month. His checks are about$1 ,600 every two weeks. And then he also gets his disability every month, which is$4 ,447. Yeah. Huh? Wait, what was that? $4 ,447 he gets every month from his disability. Disability what? VA.

34:01You're in the military? Yeah, I was, yeah. Wait, what's your account? Sorry, for VA? $4 ,447. Whoa, that's crazy. Yeah. $4 ,447? Yeah. What did you serve? I was an army. Army? Yeah. Okay, how long did you do? Five years. Where'd you go? I went to Iraq and then... We love Iraq. It was hot. Were you out in the field? Some of the time. Some of the time? What happened? What's your disability? My back and my neck and stuff like that and my knees. What caused it? Just time and just like the service and what they would have me do and stuff. What were you doing that caused your back and knees to get injured?

34:44Just when we would do the marches and stuff like that, all the equipment and stuff like that, using all that shit. Wouldn't that be everyone then? Yeah, everyone. Everyone ends up with issues when they get out, whether it's 5 to 20. Okay.

35:04I'm definitely not against disability, despite what clips say. I want veterans to get even more disability when they get disabled. Yeah. But if we got disabled from... Well, PTSD and things like that too. Well, people are getting it for acne. But if we get disability through marching, which every single person in every branch of the military does... It's not necessarily just marching. What if every single person get disability? I mean, you would think if they're smart enough to go and... Go and get coached on how to get higher percentage ratings? Hey, that too. If they're smarter... That is a part of it.

35:37And many people out there aren't even willing to admit that. Hey, not necessarily... Did you get coached? No, not, I didn't get coached. I actually wouldn't get seen. What's your percentage? 100. 100? Yeah. 100? Oh, yeah. Okay. Okay. For marching? It's not just fucking marching. Well, what? What happened? Did anything happen? I mean, yes and no. Just after my time in service, right? After. After your time in service? No, I mean, it's a recurring thing. Like after being, I've jumped out of planes and shit. I saw that stuff. Did you hit the ground incorrectly? Like people jump out of planes doing skydiving all the time.

36:22That doesn't mean they get hurt. Yeah. Were you getting hurt? I got hurt before and I mean. What was your hurt? My back and my neck. What caused you to get hurt? Yes, what caused you to get hurt? What actions? Oh, I mean just over time, like after like reoccurring injuries and stuff like that. I don't what injuries happened it was after after jumping out right I did land wrong a few times so I mean obviously you're coached on how to do it correctly but I didn't do it right so after that you didn't do it right I did not but you're a coach to do it right yes hey doesn't sound right and obviously you're the one bringing in the gold but I do know that from the notes your family think she's a gold digger.

37:11Because I had two kids. That's all they knew about me was that I was he was somebody that he met. He was out of the military. They thought I was after his military money. I didn't even know he was in the military right away or anything about that when I had met him. So they just assume she's young. She has two kids and she wants his money and his benefits. But lo and behold, it don't really matter because I wouldn't have been able to get it anyways because he was already married. Huh? Oh, yeah. I found out a month before our wedding. It was three months. Well, three months. Yeah, three months because we had to do it.

37:43Three months before our wedding that he was still married. So what is this? Why are you f***ing her while you're married and why are you f***ing other people while you're married to him? So me and her, we weren't. You paid it back? No. I mean, that's what it looks like, but that's not, we weren't together. We had already separated for like a year. You guys keep doing these separation things without actually, why don't you guys get divorced ever? On my part, I told her that I did, and I basically just, I kind of lied about that shit. Why? Because I was like, I thought I would be able to get it done, you know, but I didn't.

38:20And then. No, you didn't. You didn't even try to get anything done. I flat out lied the whole time. Yeah, because at that point it was already. We would have went to get our marriage license, and we would have been denied because he had still been married. Had his ex not hadn't called, I wouldn't have known he was still married. What? Yeah. What the f***? That's insane. Did you guys go open immediately? No. Why did we go open? It was something that we had talked about, something I had done before, and I had talked to him about it. You've done it before. Yes. You are a slut, yeah. I mean. No, we love sluts.

38:59I love sluts. I love sluts, and I am a slut. And so I did tell him like, hey, this is something that I like. Plus, I'm bi. We don't like whores. I like girls too. So it was like, you know, at first it kind of just started with females, you know. But after that, you know, we just kind of. Females, okay. That's interesting. You know, we just decided that we were going to open it up. You know, he said that he was good with it. I literally asked him the other times. And were you actually good with it? I think I was. But at the same time, I was still trying to give her what she wanted. See, that doesn't work.

39:31Open relationships honestly can work. and they can be a good thing, but both have to actively want it. If one person has a slight hesitation and they're only doing it to please the other person, it will fail every time. He can say, I've even asked him, like, are you sure this is what you want? I don't want to do it if it's not what you don't want to do. And his thing was like, well, I, you know, he never actually told me that he didn't want to do it. She made it seem like if she didn't want it, if I didn't want to do it, she's going to leave immediately. How did I make it seem like that? I would have left forever ago.

40:01No, it wasn't. If you didn't get to go ride other dick, you were going to leave? No. What the f*** is get married, produce two kids? Hey, if you don't let me get railed, I'm out. No, that's actually not it. Is she a slut? Yeah. I'm not even, like... I know she's trying to f*** someone while in Texas for the show. Who? You. I'm trying to f*** someone?

40:30Oh, yeah. No, she's... No, she's mad that I don't want to talk to her because I'm not out here. I'll show you right now. She's upset that I have not reached out to her since I've been out here because she likes me. And I had already told her before, I don't see us being together or see us progressing with anything. All right, show me the text. Okay. So this was her today or yesterday actually upset because I didn't reach out. And this is a finance show. That's wild.

41:02Oh, Snapchat. That's how you know what slut behavior is. No, I save everything. Look at her Snap store. And again, I'm not saying this is an insult. I am a slut and we love sluts. You know, I think I used to be a slut. Oh, he was. And then. Because a month before our wedding, we had somebody reach out that he used to fuck around with. You last thing. Oh, wait. She said, okay, you're upset that I didn't talk to you. I know it wasn't going to happen. I'm posing, but not on my phone. Fight, fight, fight, fight, fight. Yeah. You know, we get along. We chat on the phone a lot. Like, she's cool. You told her you needed weed ASAP.

41:40Yeah. Okay. On the finance show as well. Is this you or her? That's me. I was showing her my dress I picked out for out here. You don't want to go too far. Does she send things? No, not really. Because we FaceTime all the time. We video chat all the time. Like I said, she's... Wait, is this... No, that's me. Does she ever send things? What does she look like? hold on don't uh okay I won't go further I can show you a picture of her but okay okay we got a cute dog oh yeah that's my dog okay your dog's precious yeah he was actually supposed to come but oh what the yeah we couldn't fly with him and a baby see if she's oh the baby's here I have all my kids out here yeah we're all gonna go to New Mexico where are they with my mom at the Airbnb be.

42:32Well, because I have family. It's my grandma's probably last Thanksgiving. We have more family out here too. So we just came back to visit a friend and family too. Show me the picture of the woman you're trying to... Okay. Every person that you go for after you've abandoned him is black. Which isn't bad, but it is interesting. I feel like she's left you for a purebred. You know what's crazy? Purebred is crazy. You know what? But every picture, though, that she, every person I've seen in there and everything, it's like she left her mix, dude, for black guys and girls. She had the best of both worlds, right?

43:11Which is not bad, except she, but she's leaving for the full thing. Yeah, right, but the full thing comes with other problems. What do you mean? The drama she's dealing with right now. I'm chilling. That nigga's crazy. He is crazy. Whoa, can you say that? I think you can only say half that. Nope. He did. I have enough. My dad's full black, so. And your mother? She's white. As hell. I think you can say. Tasty. Let's bring in Tyler.

43:45I feel like I'm black enough. You know him. You love him. He's the favorite producer of Hammer Media. What up? What up? What up? What up, my people? I love y 'all. What's up, Tyler? What's up? Justin is a half-breed. Yeah, I can tell. The nose and the lips, right? Yeah, he look black as fuck. Thank you. Oh, okay. Well, I suggested he could only say half the word. No, no, he can say it. He can say it for sure. Appreciate you. He looked like some of my family members for sure. Well done. We got the test. That's crazy. I told you I was invited to the cookout. If you want to know if you can say the N-word, go to calebhammer.com slash N-word.

44:21Take the assessment and see where you stand in the world. Again, it's crazy. Again, it's crazy. Again. N-word? No, we've done racist. Oh, okay. So, calebhammer.com forward slash N-word. That is N-word. See where you stand in the world of being able to say the N-word and what you need to do to improve your ability to say it. Yeah, go ahead. Nigga? Nigga, what up? Yes, sir. That's what I'm talking about. Me too, right? Yeah, yeah. What? No. No, no, no. That's funny. We have permission for all those ladies and gentlemen. before someone tries to cancel this. Okay. Well, okay. Well, I got to get into these finances.

45:02Speaking of scores, okay. Well, first of all, okay. I want to know how do you guys want me to do this? Are we done? I think we're done. Believe me, you don't want to know. There's so much. It's not. No, are you two done? Oh, like for good? Am I doing this as a household or are we trying to see what this looks like independently? So we actually have our finances combined because our goal is to just pay shit off. and then it'll minimize. You're so beyond separated. Dude, you're taking it in every hole by every deck besides his. When's the last time you two... Yesterday. Oh. Yeah. This wasn't yesterday.

45:39No, not this morning. Well done. Well done. Proud of you. Are you on the apps, dude? Yeah, kind of. Okay, we will review his dating app in the post show with Brandon. We'll bring in the dating app professional Brandon himself. Be dog, be loving. We'll review it. I have been, but I deleted them. You'll redownload and we'll review. Okay, so, but again, where are we trying to go from here? Are we trying to go separate and independent or are we trying to go together? We are trying to go separate and independent. Okay, then I need to do two, I think, right? What do you mean eventually? Why is it eventually?

46:13What's the philosophy now? Okay, so the whole thing was we were going to stay married till I finish my, because he don't want a divorce yet. So we agreed we would stay married. we'd do a year just kind of figure out you know if he got his shit together if he was willing to learn stuff like that i work i'm going to school full-time and so you know we were like let's just keep our finances combined why are you okay with this so does it make sense to you when i when we originally had this conversation right um me personally right i don't handle a lot of the finances, right? Because I suck at it. Well, yeah, and honestly, again, I'm not saying you don't deserve the disability, but because you get this permanent income forever, that goes up, you know, every once in a while.

47:00You're also not really incentivized to ever learn finances, because you don't have to worry. Sure, you could overspend, but you know you're always going to have money to come in that can save you. So, you're kind of enabled in a way. I'm not saying you shouldn't get it. But, okay. Guys, is the relationship done? or is it coming back? I don't know. We'll see. Did you ever try couple therapy? I brought it up, but she refused it. What the f*** is wrong with you? She don't want to go to therapy because then they'll make her see what she does. First of all, call me to a certain point. Here's the thing.

47:35If you said he won't fix anything, you won't fix anything, you won't fix anything, I tell you these things, here's how we communicate. You're not willing to sit down in a professional environment who can help you communicate effectively? I think... What the f*** is wrong with you? I think neither of us are very good at communicating. I agree. You're willing to give up, abandon your children, move your mom in with him, and move down the road to take out their dick instead of actually literally talk to a professional. What is wrong with you? It's not even just that. It's like, if you want to go to a professional.

48:00He said you brought it up. He said he brought it up and you said no. No, that's not how it went. It's not, it wasn't a straight no. It wasn't a straight no. He was required to actually do his own research, find a therapist. He couldn't do any of that. He didn't want to do that. No, he's so used to letting things just shit happen. And I'm the one figuring out. I'm the one planning it. I'm the one saving shit. I'm the one scheduling shit, finding, doing the research. I will not disagree with that. She does that. I will not disagree. Yeah, I totally do that. And that's just because she's done. Why didn't you find someone?

48:34No, I did find someone. Oh, he found someone. He did not. Who's right? I can guarantee he did not. Because his thing is, if he does, if he does come out. Rebuttal, rebuttal. Honestly, I looked, but I didn't put a ton of effort into it, obviously, because at that time— But you found someone. I mean, I saw someone. I looked, and it was one of the first couple of people I even looked into. Did you have contact with— Coca-Cola. For the big. For the small. The short. And the tall. Peacemakers. Risk-takers. For the optimists. Pessimists. For long-distance love. for introverts and extroverts, the thinkers and the doers, for old friends and new.

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51:16And finally, sign up for automated investing with Acorns. Typically, the sign-up bonus is only$5, but with my link, you get$20. Ladies and gents, you get money. I get money. Enjoy! Links are in the description below. No, because I brought it up to someone. I showed her someone and then she refused. Okay. He showed you someone and you refused. No, he didn't. No, he did not show me anyone. Because when you look into it, right? I had already told him, you need to find someone then. You're going to have to figure this shit out. He says he presented someone to you. He didn't present anybody to me. And even if he did, let's say he did, right?

51:48When you presented it and when you found this person, did you look at anything? Did you look at insurance? Did you look at where they were located? He didn't. He didn't present anyone to me. He didn't present anything to me. that's what he does. He'll be like, oh, I have this idea or let's do this or I want to do this. But if he brought someone to you, would you have done couples therapy? I would have done it. Yes. Would she have done it? I had told her to go to her own therapy by herself. No, no, couples therapy, man. I don't believe, I don't know. I don't know. I can't say for sure because part of me says she would, part of me says she wouldn't.

52:21But at the time I had told her, you know, hey, you should go to see your own therapy as well. And, but she said she didn't want to do that because she couldn't find a therapist. I don't know what to do going into these documents and making a budget at the end because I don't know if you guys are together or not I know you technically financially are right now but I don't even know if that makes sense because you guys don't even know your future yeah I mean we said we'd give it the year gut check gut check I'm gonna go 3, 2, 1 point I want you to give me your percentage to 100 100 % as we are 100 % getting back together in my gut The zero is we will never.

53:01I'm going to go three, two, one points, and I want you guys to say at the exact same time what you think the percentage is from your gut, or at least of where you want to go, okay? So three, two, one. 70%. Okay, so we're both on the side of going together. So I'm going to do this as combined. Are you surprised to hear 70 %? Because she's the one that literally packed her bags and left. I was, yeah, caught off guard by that, yeah. but I think after being separated for a bit things have been a little different we've had I think so are you okay with her getting railed endlessly honestly don't even lie he said it's turned him on before ooh a true cuck no no no it's not a bad thing don't think it's embarrassing or a bad thing no it's like in the sense of like if I was having sleep with another chick, it's not like she wouldn't get turned on as well.

53:59So it's the same concept. I mean, I'm into girls, so that's a given. Yeah, but it doesn't have to. But the idea that turns you on, I mean, yeah, it didn't bother me. I mean, it was kind of hot when it happened. I mean, a three-way would turn me on. Oh, yeah, see, but him doing it, I don't care about it. I'm not going to sit there and think about it. Like, it's like, okay, cool, he did it. I'm not going to sit there. No, it turns him on. I mean, that's wonderful for him. I mean, at the time, because it seemed like she, like, at the time it did, but like... And you've never cussed corner. No, actually.

54:36I think you should try. I think you like it. I don't... Embrace your kink. What the fuck? We don't kink shame here. Embrace your kink. That's wild. We don't kink shame here. We kink shame a little, but we don't kink shame here. That's insane. Embrace the cock. I embrace the goon. Embrace the slut. Laguna's wild. Laguna's here. It'd be like that sometimes. Sometimes it'd be like that. Okay, so then we're going to do combined. So I'm going to do another one. Three, two, one, point. On point, I want you to give me what you think your household combined financial score is. Zero to ten. Ten being the absolute best you can think of.

55:13Zero being the absolute worst. Okay? Three, two, one, four. Five. What the fuck? I guarantee you guys are not on the show if you are middle of the road. if you want your hammer financial score take the assessment for free it only takes a few minutes at calebhammer.com see what you need to do to improve your finances or where you're already doing well calebhammer.com and if you don't want to be like a guest who ends up on the show make sure you download the dollar wise budgeting app at dollarwise.app take the free trial to see if you even like it it is free and then if you do like it you can always sign up for the annual version to save a lot of money and when you do for only a couple more months I will personally sign my budget friendly cookbook and mail it directly to you all the links are in the Description below.

55:52Check those out. Okay, guys. Let's jump into these finances in this financial show, Financial Audit. That's insane. What? This is a finance show. This is more like Springer. Dude, it's full Caleb Springer. I'm here for it. Caleb Springer is right. I'm here for it. I love it. Bring it back. Listen, make finances interesting and more people learn. I vibe with it. trust me, I love other finance shows. There's a reason they don't get as many views. Very true. Which doesn't reach as many people, which doesn't change the lives of as many people. So it works for me. Milestone, what's going on? By the way, combined household income is$11 ,847 net on a monthly basis.

56:37$12 ,800 net. What? How? Yeah. With my income, his own child support. Okay,$12 ,800. Okay, Milestone, what is going on? Whose is this? Mine Okay What's going on? I just used it When I went out to travel I mean this Earlier this year This year? Earlier this year Abandoning home even more? Who would have thought? Is that someone you want to Settle down with forever? Someone who's always abandoning? Okay Wow We um big guy Did you know she owes$909.87 when the literal limit on the car that she's able to spend is$500? That's actually because our gym membership continued to take out. And we know neither of you are using that.

57:24Yeah, we stopped going to that gym. You didn't even have to say it. Okay, so what the f***? That much? Hundreds? No, what is Deuce Crew, Deuce Crew, Deuce Crew, Deuce Crew, Deuce Crew? That's the name of the gym. We haven't been there in over a year. What the f*** just happened? 70, 70, 148, 64, 70. Yeah. All in one day. What the f*** just happened? They keep charging me and I contacted the bank. Charging for what? That was like a thousand charges. That's what I'm saying. That's the gym. Like the membership we were paying was like$300 a month. So good, so good, so good. Give big, save big with Rack Friday deals at Nordstrom Rack.

57:59For a limited time, take an extra 40 % off Red Tag Clearance for a total savings up to 75 % off. Save on gifts for everyone on your list from brands like Vince, Cole Haunt, Sam Edelman, and more. All sales final and restrictions apply. The best stuff goes fast, so bring your gift list and your wish list to your nearest Nordstrom Rack today. What the f***? What kind of gym is this? Because it was like a personal trainer type. For fuck's sake, how long have you guys, when's the last time you've been? Either of you. Oh, I went to the gym the other day. I have a French membership. No, not there. Did this gym be a tit?

58:34Over a year. What the f*** is wrong with you? Why have you not canceled? What is wrong with you? I have canceled. No. I tried to reach out to them. Yes, I have. Did you go in? Yes, I went in. And I've already spoke to the lady. And? She said that we didn't write like a 30-day notice, so I had to rewrite a 30-day notice, basically. Report this to the card. I did report it. And? And if you look at the statement, they gave me the money back, and then they took it right back out. Cancel this ability to charge from that bank to the card. You can. Oh, f***. There's a lot more. Okay, one Amazon. Parkland light electricity okay that's electricity that's fine there's your cable or internet that's very expensive though Payless smoke in Mart friendly nails let me see oh I don't have any right now mmhmm I don't have any Amazon boat event going in getting some bullshit rips rips yeah fuck you mother PayPal drive-in you're a mother and you're smoking you're morbidly obese and smoking as a mother What is wrong with you?

59:34Don't you want to be around for their graduation? I mean, we're around. We're here. For their graduation, you dumb c***. What do you think that means? For a little bit of weed, I'm good. They're eight. You're ripping in fat. Yeah. Just being real. I'm not even trying to insult you. I just want them to literally... Listen, it is 10 years until the first one graduates high school. I want you to be there. You're not going to be there. You might be there for the first one. I don't know about the one-year-old. I mean, I've been going back to... I'm back to the gym and stuff. I've been sticking to it.

1:00:05But you're still putting smoke in your lungs. Yeah, I am. We do smoke. I did say I was going to cut down on weed. Huh? I said we did. We were going to slow down on weed. Were going to slow down. That means you were and you didn't. I think we did. I think we did. How do you think we did? How does that happen? How do you think? So, you're about to make a trade based on a friend's text. But which you do you listen to? Is it, We could buy a house in Tulum. Get optioning those options. We could lose everything. Or let's do a little research. Get your head in the trade and make the investment decision that's right for you.

1:00:48Learn more at FINRA.org slash trade smart. What? Did you or did you not? Well, I mean, I don't feel like I've been smoking as much because I work so that much. I can't be high at work. You know, so I work all the time. So when I get home. Work all the time. You just walked out of your job. What do you mean work all the time? You work 40 hours a week. No, not at this new job. I will. My old job, I was not. I was working like 60 hours a week. I was leaving and getting to work at 7 a.m. And I wasn't getting home to like 7.30 p.m. Seven days a week? Every day except Sunday. Six days. Six days a week.

1:01:23Yeah, yeah, that's a lot. I would have to leave my house at 5.45 to get to work. Over limit fee, 29.9 % interest. You're accruing interest like crazy. Okay, Premier Bank card. Who's this? Mine. Okay, two in a row. That's not good. Okay, we have a balance of$286, which is basically maxed out,$0.04. $30 fee with purchasing of$101. Why are we purchasing on a card that is accruing interest that is getting fees that you are not able to pay off on a minimum monthly basis? What the fuck is wrong with you? So we were paying them off on a minimum monthly basis. Wait, you're not. And now you're purchasing it out.

1:02:00Why? Yeah. Why? So I had used the majority of these cards when I was going out of town. Like I said, at the beginning of the year, I came to New Mexico or went to New Mexico with my kids. I was out there for about a month. I went to Reno. I was out there trying to meet with Pop Warner. Dude, you don't get to travel everywhere. I'm sorry. Even with family, if you cannot afford it, if you're putting your entire family's future into the fucking ground, you don't get to travel. What is wrong with you? How often are you traveling? I'm being told you travel constantly It was every month Every couple months Month?

1:02:34Month? It was every month For f*** you why? Like every couple of months Every couple of months For f*** you why? For going to visit family But I work all the time F*** you I wasn't working at that time No shit You only just started working And you're crying about it Yeah So I don't want to f***ing hear it 27 and you just started working Let's be real I didn't just start working I've been working I just was a stay-at-home mom for a while You're traveling every month Yeah, when I worked from home, yes, I sure did. I could take my laptop and go. He was traveling with me. Yeah, how about you actually pay on time?

1:03:07Why are you having late fees? Did you know she's having late fees? You know, honestly, if there's issues with the bills, I wouldn't know because I didn't even keep track of them. He doesn't look at any of the finance. He doesn't know anything. You know, and that's fine that you don't look. No, it's not, though, because what I would say is why aren't you making him sit down with you? I have. Have I not? We've done that before. Why aren't we doing that on a reoccurring basis? Why aren't you pushing for a reoccurring basis? I have. Oh, come on. You could make him. It's the same routine. No. Dude over a meal.

1:03:35It is not even a meal. I will literally sit down with my laptop and say, hey, I'm going to go over meals. No, I'm saying dude over a meal because I know what you guys like. They're called meals. So we... No, we would sit down and he would be on his game and I'd be like, hey, come do the finances. Well, obviously, okay. First, you're trying to take a man from his game. Okay. He needs to learn the finances. Speaking of every penis-wearing individual out in this world, the dude was in the middle. He was in the middle of blasting some heads in the new battlefield. He can't take it away. He has to win that match.

1:04:09He's squatted up. You think that's when you're going to have a financial conversation? You're setting yourself up for failure. No, it's the same time every month. If he was doing it in the middle of you, if he was doing it in the middle of you getting your nails did, you're not going to just stop. Come on. He's in his hobby. He's in his mind shut down. Now, should you be doing it as much as you are? Probably not. No, no, no. You're blazing it up and you're just ruining your entire future. I will call you out for that. But you think that's the time to do it? Fuck off. Do it over a meal. Make it nice.

1:04:37Make the mother watch the kids. We get a shit ton of, I'm guessing, McDonald's. And we just, no. Not McDonald's. Fine. Burger King. Wendy's. I can't eat beef. She's allergic to beef. I'm allergic to beef. What, are you getting ice cream? No. Like I said, these past few months, I've been really watching what I eat. Fried chicken. No. I don't like French chicken. You're doing something. Well, so I was bigger. Too crunchy. I lost like almost 30 pounds in the past since June and July. Yeah, you're taking this much dick. It's honestly impressive. I've just been focusing on that. Good for you. Good for you.

1:05:14We slowed down on eating out. So I eat at my friend's house. They usually make dinner. What? Mm-hmm. Oh, the dick riding? No. Oh, well, the twins, yes. Huh? They're my best friends. You're twins? No, they're twin sisters. They're my best friends. They're the ones that I'm always with. Over a meal that you both like is when you sit down. Don't take the dude from the game. Don't take it from your nails. You do it at an appropriate time that makes sense over something you both enjoy that is chill. But you'd think for years with it being routine, I sit down every time of the month. Are you not willing to actually do the thing that I say you should probably try to do?

1:05:49Well, we've tried it multiple times. The whole concept is— Girl, you think you're okay? You think you're the one advocating for something proper? You have a credit score of 476. What the f*** is that? A credit score under 500. Mm-hmm. You never even hear about that. You're ruined. You're broken. You ran through. What? I didn't mean that. Yes, I did. The whole concept, I guess, is her feeling like, if he wanted to do it, he would do it. But, I mean, at the same time. Even still, does it even matter that he's not sitting down for you to have had three late fees this year so far on this card alone?

1:06:23Three. Three. That's him not sitting down? Fuck you. You're having three late fees. The minimum payment is$30 and you've missed that three times this year. What the fuck is wrong with you? Also, you can travel once a month? Fuck off! You're the one that wanted to come on the show. He's never seen it. And we never have people on the show who's never seen it. I'm glad you at least went through the onboarding process, but you've seen it. You're the one who applied. What do you think so far? It'll be a good wake-up call for me and for her. Yeah. Okay. What the f*** is wrong with you? Three late fees?

1:06:54That you bitch and moan about him not sitting down? I would too. Come on. You're f***ing it up. This isn't him not sitting down. Yeah. Well, I mean, I'm the one who handles it. And honestly, it's... Handle it? You're not handling it. You're late. Yeah. Unlessly. Endlessly. Yeah. That one is the one I'm late. And like I said, the charges kept coming back. I can't do s*** about that. F*** you. We've looked at two. One was over the limit. Two. the second one had late fees three times this year. Q? Yeah. Bullshit.

1:07:29Speaking of which, who's the Quicksilver one? That's both of us. It's our Capra one. You're both on this? Yes. Who opened? Who's authorized? Actually, I opened and I'm authorized, he's authorized, his parents are authorized. Your parents are authorized on this card? They don't have it. They don't have the card though, They don't have the card, but they're authorized. Why are they authorized? Because they were struggling at the time, and we were trying to help them. So a credit card's at the... Guys, generational f***ing mistakes, I'll tell you that. Balance of$316.82, which is over the$300 limit.

1:08:04I'm glad they give you small limits across these cards, because you guys can't be trusted for... Minimum of the payment, 36. I bet it's usually 31. However... Minimum of the payment, 63, sorry. Minimum of the payment is normally 31. but oh we're late we're behind we're fees, interest, and purchases who purchased who purchased who has all the Apple bills Apple, Apple, Apple, Apple, Amazon going against some bullshit why, who is that? Amazon is me Apple, I don't know what the f*** is wrong with you guys a lot of subscriptions a lot of five late fees this year so far on this card, f*** you, the last card is the only card you're late on, f*** you Five, five, five!

1:08:47The last, I mean, well, damn, I can't. Open your phone! Give it to me. Give it to me now!

1:08:58Why is this pussy not texted back yet? Why is the guy F60.08 saying bring the twins a gift? You have no idea. Bring the twins a gift of life. I have no idea. The f*** does that mean? What the f*** he's talking about? Okay, let's look at your subscriptions. Calendars. Why the fuck would you have calendars when you have a calendar? Apple want... Gmail? You need to pay for Gmail? Yeah, they make me pay for storage. I can't receive emails anymore. Okay, let's see Amazon. And then pull your phone out, too. I'd rather look at that shit. Something in the cart already. You have a$900 MacBook Air in your cart.

1:09:42Why? You didn't know this. He doesn't know this. He doesn't know this. No, he does know. We had this matchbook conversation. You said 700. Well, I stuck it in the cart to save it because it had to sale. Before taxes, you f***. Well, it was on sale and they don't have it on sale anymore. That's why it's still sitting in the cart. That's crazy. You got a small, you got a dog shock collar? Okay, Hassan. For my other dog. She's older and she barks a whole lot, my mom said, so. Why are we shocking dogs? It has like a vibration thing. As long as you only use the vibrate. I do a vibrate beeper thing.

1:10:15Yeah, that's what it has. It's like the vibration beeper thing or whatever my mom said. Okay. Wall mount. But that was a full length mirror. Trust me, you're going to need a wider one. King size floating bed. Won't be floating for long.

1:10:33Am I doing well? Are these good? TV backlights. Yeah, that's more important than taking care of our kid. That's well done. Plus size lingerie. trying to get dick down. I think bling USB-C car charger. That's critical. Ring light. F*** you. Phone case, phone case. Little Ride Robin Hood costume. My daughter's costume. Oh, thank f***. Big TV stand even though you got a Walmart. It's interesting. Lucas Starter Lucas Starter 1906 compatible something. And then a rug. Yeah, it's just all bullshit. F*** you. Bullshit. F*** you.

1:11:12Let's see yours Is it open? You gotta open it My bad I don't know your password Your face I don't buy anything really so I'm looking at your subscription What do you have a different Amazon? No I don't I never use it I don't really Yeah I'm looking at No spending's you Well let's see your Subscriptions Prime Video Another Apple one HIDive? HIDive's for anime. What? Black people and Asians spend a lot of money on anime. Hey, to be fair, I was around before it got popular, so... Well, it's been popular for a long time. Well, before it became mainstream, I suppose, you would say. iCloud +, that's okay.

1:12:04Universal Remote, I'm glad it's expiring, but what the... He was paying for Tinder December last year. Yeah. Okay. Well, we continue. Okay. Who's the Capital One Platinum? Both of us. Again. Okay. We owe$329.07. I bet the limit's$300. Yes, it is. Wow, we're completely f***ing every way whatsoever. $30 a minute of the payment, but uh-oh, we're behind. And uh-oh, we purchased it. Uh-oh, it's Amazon, which means it's you. So far, you are the problem. he's not looking at shit and that's bad and he needs to be a part of the communication but the spending and debt is you yeah so how can you come in and bitch and moan this episode is brought to you by State Farm listening to this podcast smart move being financially savvy smart move another smart move having State Farm help you create a competitive price when you choose to bundle home and auto bundling Just another way to save with a personal price plan.

1:13:09Like a good neighbor, State Farm is there. Prices are based on rating plans that vary by state. Coverage options are selected by the customer. Availability, amount of discounts and savings, and eligibility vary by state. Two late fees this year. So, again, f*** you when you said that was the only card two cards ago. What do you think so far looking at this? Because this is your first time looking at it, which is an issue. But, yeah, what do you think so far? I mean, like, I've sat down and I've looked at it. but when we do talk about it, I'm going to be honest, I don't retain the information. Well, yeah, you're...

1:13:40Yeah, partly. So am I. It happens. But you just have to keep looking at it. Are you still budging now? Why aren't you using dollar-wise? You get it for free for the rest of your life, so enjoy it. Use it. That way you don't have to sit down and look at shit, but... Yeah. Makes it there and easy and digestible. I think it's because I get lazy, and so I refuse to sit down and like... It's probably because you're fat and smoking weed all the time, dude. Probably. Wait, well, no, actually. Yes, we'd all be lazy with that. Come on. I'll let you use the Fizz card, the debit card that builds credit, because we do want to build credit.

1:14:15Or maybe you, I don't know. But it only lets you spend what's in your checking account. And I'll get you a course career certification as well, of your choice, so that you can find something to kind of, oh, maybe you should get that, so that you can get a better job, a more fulfilling career. A lot of people in the audience have used that, and they've been able to get a better job. Uh, okay. America Bank, who's this? Mine. You. She's the problem, right? I'm the problem for not paying attention to it, but... Sure, but she's the problem for doing everything that I got you f***ed. Right? Yeah, if I'm being honest.

1:14:51$35 minimum payment balance, 434. Limit of five, at least we're a little under this time. 15 months to pay off if we do minimum only without purchasing. Oh, there was purchases! Oh, we've had a late fee. It looks like every month this year so far. She's been late every month this year so far. Guys, just real quick. Don't forget to take your Hammer financial score at calebhammer.com. See where you stand, where you got to do better, where you're doing shit. Listen, it just takes a few minutes and it is free. Figure out where you stand in the world of money. calebhammer.com Starbucks is bullsh** and a waste of money.

1:15:27and you already know that by making your coffee at home and investing the rest. So now you need to do that with your energy drink as well. Make GamerSups at home for just 25 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 GamerSups. 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. What do you think?

1:16:05How does that make you feel?

1:16:10That we're f***ing and it's pissing me off. You're pissed? What pisses you off specifically? Because I didn't do my part to f***ing look at it. so now it's gone to shit and now it seems like everything is late and everything is behind or whatever. What's going to change? I'm going to make sure that I sit down with her so we can do this shit together. This is ridiculous. What now makes you actually want to do that? The fact that it's late and we shouldn't be almost 30 struggling like that. It's ridiculous. What do you think when you hear that? I mean, I figured it was coming but I mean shit I just kind of left it alone.

1:16:54It was just a lot and I asked him for help and it was whatever. You're a mother. That's not an option. But my biggest thing is I want to be able to see the kids experience shit. Right now. Dude nothing in there has been kids experiencing shit yet. Shit Amazon everything I purchased shit. Buddy I just went through the Amazon there was one Halloween costume for them the rest was you. Yeah that's because I have a different Amazon account. I don't know how to get back into my other one it's linked to my old phone number. What's wrong with you? And also it's just last month anyway that we're looking at, so it wouldn't be that case if you couldn't get into it.

1:17:24And this is for Verizon. You got that on a card that you can't pay off. Okay, what is this? Oh, it's Affirm. Wonderful. Who's Affirm? That was mine. Huh. Interesting. I used Affirm when we moved to Washington. What? You have a balance on a Affirm of $2 ,596.44? What? Because that's what I used to furnish our new house. Oh, you couldn't go on Facebook Marketplace, you dumb tit. No, I didn't want to get used couches. That would have been gross. Clean it. No. Clean it. Clean it. What's your background? What do you mean? What's your ethnicity? I am Navajo in history. Clean it. Nope. Pull up your firm.

1:18:12Oh, I don't have the app anymore. What is your minimum owed? That. That's not your minimum. That's your balance, you f***. Oh, I have no idea. I haven't logged into that in over a year. Oh, it's probably...

1:18:31One main bright way. Who's this? That's both of us, but I used it.

1:18:40So I want to do, you know, I want to kind of clarify how this at least looks so far. You f***ed it all. you spend for your wishes, your desires, and then you try to frame this entire conversation as we're f***ed because he won't sit down to look at my mess. No, it's not that we're f***ed because he won't look at my mess. Yes, that is how you try to frame this conversation. And yes, you should be looking, but she framed this as we're all f***ed because you won't sit down and look at it. What do you need to sit down and look at? Her mess. I mean, it's spending. We have income coming in. Yeah, how do you think you get debt?

1:19:16Yep. Yep. You owe on here$585 of credit limit of 550. She's over once again. Who would have thought? Three years to pay off minimum fee payments only without purchases. Oh, there's purchases. Minimum fee payment. Normally, I don't know. I'm going to say like 30 bucks. I'm fucking. Because she's behind. Who would have thought? Like every single time. Late fee, late fee, late fee, late fee. Two years this year so far. F*** you when he said it's the only card. Dude, what a tit. Verizon again. How do you have Verizon on the last card and then Verizon on this card? Verizon was like$150 on the last card.

1:19:47Verizon's$248 on this card. What the f*** is going on? The phone bill. On two cards? Yeah, I mean, I'm just paying with different cards.

1:19:59What do you think? What the f***? I mean, because me not paying attention when I would ask her about it, you know, how things were going, she would tell me how things were getting paid, and I just took her at face value. You're in a major city. T-Mobile's probably good there. Pay off your phones. Switch to Helium Mobile. It's 15 bucks a line. You say who? Helium Mobile. There's a shit ton of third-party carriers that use the same towers. This one uses T-Mobile's towers. But you have to pay off your phone first, you f***. Interest accruing like crazy. Okay, what's Fortiva? I've never even heard of that.

1:20:37Fortiva is what we use. Who has Fortiva? It's both of us. It's what we use to finance our alarm system. What? Why? Why do you have that? A couple of people have broken into our cars and stuff My car was stolen by my dad Is that going to prevent your car being stolen? No, but I mean No, they've stolen stuff from around our house and stuff like that Get out of the f***ing ghetto We also live in a city where the DA doesn't actually prosecute criminals They don't care Well, yeah, they catch and release It actually kind of sucks and it really, it shouldn't be a blue or red issue. It should be, hey, believe it or not, if someone commits crime, maybe don't let them right back out on the street every single time because every single person that commits crime basically has already been arrested for crime three times.

1:21:21Yeah, they really don't care out there. The whole recidivism. It's absolutely insane. The whole recidivism thing all over again. That should not be a political issue, guys. It really shouldn't. It really shouldn't. Paying off debt shouldn't be political. Criminals, not just being everywhere, should not be political. I don't know what the fuck is going on these days. It's kind of crazy. We have one of those in Austin, as well, Garcia. He's a dumb f***. He's a dumb f***. I don't care if he's Republican or Democrat. He let someone get shot by the library who's been arrested like eight times. What?

1:21:51Release, release, release. And he went to the library and killed someone the other day. Holy s***. Yeah. What the hell? I don't know. It's been proven time and time again that it does not decrease crime. That's terrible. Yeah, they just do it. What is happening? $30 minimum fee payment. Yeah.

1:22:11it's fucking stupid. Just like this, of which you were over the limit of$719.84. With interest accruing, 20 bucks, fees accruing, who would have thought two years to pay off? I have a question for you. What's up? What do you think about me seeing this all? I really don't care. I've tried to show it to you before. About how everything, why about how it's late and stuff? Because I truly don't think you're going to do anything different. I think she cares what people think. She gets railed by her coworkers. She gets railed by people that's related to people she knows. She gets railed by everyone.

1:22:42She doesn't care what people think. She's the rail queen. Choo-choo. Those trains get ran. I mean, I don't know. Tell me a train hasn't been run on you. Oh, no. Really? Yeah, no. Is that true? I can't say. She says no. No, that's a scary situation right there. Scary? Yeah, I'm good. Hope you're getting tested frequently every three months. We love being sluts. And I get tested for being a slut. You got to get tested. Oh, yes. Sports Academy? Stupid. Went in and got some bullshit? Stupid. Sunnyside Beach? Stupid. You are broken. Because I know that's you, not him, right? To a certain extent. I mean, I may swipe the card, but I'm not the only one making purchases.

1:23:34No, like a lot of times when we do make purchases. Oh, also Dairy Queen, McDonald's, McDonald's. Yep. Both of us. Car wash. Metro by T-Mobile? That was... Two Verizons and Metro by T-Mobile. No, I paid a phone bill for my mom. Dude, you can't afford the... And a car wash again. What the f*** is wrong with you guys? You live in Seattle! It doesn't snow! You're not in the desert! Cars are f***y. Yeah, but not in a dangerous way for the car. Dump a bucket of water out of you. Dump! No. Yes! No. F*** you, die. It comes with vacuums. I'm good. You don't have money.

1:24:17I mean, we do have left. We have about 5 ,000 left over every month. Oh, shut the fuck up. You're over the limit and late on everything. Die. Yeah, we just don't pay for it. Die. From diabetes. Not diabetes. It's crazy. You have diabetes? No. You have diabetes? No. No underlying health issues. Not a. Uh, world finance. What's going on? Uh, we had gotten a loan. We? Yes. So, yes. He had gotten a loan. He, this is yours. Yeah. Finally, the first time it's just you. I have some that are just me, but then. So this person alone is just you. Yeah. Okay, what's it for? We were, I think we needed it at the time to pay for, um.

1:25:03To pay for what? He got that for a camera lens. For me. Huh? A camera lens? For you. So it still comes back to you. Oh, my. What is she doing? What? OF? No, my photography. Yeah. Your photography? Yep. I'll vouch for that one. What? She's not making shit from her photography. Well, that was the goal. And then I started working this new job. So... $193 a month and 86 cents. which was due seven days ago at the time of the statement, and then you didn't do it. You f***ing, what the f***? You make money. You make$7 ,847 a month. You can't pay$193? What is wrong with you? Bail is$2 ,714. Who knows what the interest rate is?

1:25:53Probably not good. Wait, you were begging for her to start an OF years ago. It was a joke. He's still begging me. It's more of like I would do it. I think it's funny, but I didn't think she, like, it's not serious. Uh-huh. and would people pay? Oh, I'm sure. Why, are you sure? I mean, obviously, she's beautiful. So, I mean, obviously people would pay, but I mean, like... He said that before because people would send me money on Cash App. What the f***? Why? How are you doing this? How are you doing these things? How are you slaying all this dick? Getting all this money? They just see my Snapchat.

1:26:29They see my social media. They like my social media. They like me. They send me money. Social media? What's on your social media? My Snapchat, my... Your ass is on your social media. You're posting your ass. I mean, my outfits. It's not my ass. It's not my fault. My ass is there. You know how many videos you have of you shaking your ass? This message may be shocking to many millennials. If you are one, you might want to sit down. Right now, loads of people are searching the following on Depop. Low-rise jeans. Halter top. Velour tracksuit. Puka shell necklace. Disc belt. You likely placed these in the dark of your closet in 2004, never to be seen again.

1:27:08But if you can find it in yourself to dust them off, there are a lot of people who will give you money for them. Sell on Depop, where taste recognizes taste. Lot.

1:27:22Another personal loan! Whose personal loan is this? That one's mine. Yay, yay, yay. Okay, what's$1 ,342.53 for? We used that when we went to New Mexico. Die. Just die. Die. What the f*** are we doing, guys? This is so stupid. So f***ing stupid. Minimum of the payment,$149.19. This was eight days past due at the time you sent in these statements. Also, you're lying. This loan was for a camera. Was that one for the camera? I'm being told. One of them was for a camera. One of them was for our trip. I know we used it to go to New Mexico. How can a new f***ing hunt Mexico, dude? poorest states in the country.

1:28:02Mexico's bad. It's the West Virginia of the Southwest. Okay. Credito Real USA. That's a bit racist. Yeah. They changed it now. It's Finbee. Finbee? Finbee. Finbee. F-I-N-B-E. Finbee. It's weird. Finbeener? Probably. Used to be. But no, it's changed. It's called Finbee now. You know, the best coffee chain up in Michigan. It used to be a place called Beaners. It was great. Then everyone cried and jerked off even though there's no Mexicans in Michigan. Damn. Middle Easterners now. They're everywhere. But I didn't see a Mexican until I moved to Texas. Jesus, wow. But they changed it to... See, I can't remember the name of it because they had to change the name from Beaners.

1:28:51Damn. It's a shame. It's a shame.

1:28:56Would you be offended if you saw a coffee place called Beaners? Because it's obviously beans. Yeah. No, I wouldn't be offended. Yeah, what the f*** is wrong with this world? Everyone's such a pussy. Everybody gets so offended too easily. Over everything. Wait, Toyota Camry. Oh, no, the minimum of the payment is$635.29. Well, no, no, no. So that was... Yeah, yeah, yeah, yeah, yeah. No, that was monthly payment for the car. Yeah, the Toyota Camry. But the car got stolen, got paid off. I'm crossing this out. So this is dead. There's still a$3 ,000 balance on it. What's the new minimum? Is there a minimum?

1:29:28$150 a month. Okay,$150.

1:29:33$3 ,000 owed. Mm-hmm. Car stolen.

1:29:42More Fortiva. What was$1 ,907? It was 61 cents on a Fortiva credit card, which is maxed out. Oh, that one's actually retail. The other one was probably a credit card. That one's retail. That was all for the... is the camera system. And it's yours? That one? Also, the past one was yours. The past one was mine. Just, what are we doing? So there's two Fortivas. One's a retail account, one's a credit card. $1 ,807.61. Five years to pay off, by the way. Minimum fee payments only without doing any purchases. Oh, yeah. Interest fees. Bullshit. Too late fees this year. Fuck off. Fuck off. Fuck off. Fuck off.

1:30:23Fuck off. F*** off. F*** off. 10 % interest rate. You don't even pay a f*** off. F*** off. F*** off. What? Kia Carnival. Do we still have that or was it stolen? We still have it. It is. What are you doing? What are you possibly doing, guys? $29 ,442.49? Mm-hmm. What the f***? What the f***? Yeah, the Kia Carnival, we needed a bigger vehicle. What do you think it's worth? Uh, shit, I don't know Good news, it's about break even You're selling this tomorrow And you're getting a$10 ,000 car Cause you can get a$10 ,000 car That has the space you need Get a van, a mini Van I mean, shit, I'm open to it, but you can't return these And that's gonna be a repo Are you dumb?

1:31:14I just said sell it It is worth what you owe Sell it, sell it, sell it Sell it What is wrong with you? Oh, shit. Okay. Oh. Good. I'm crossing it now and I'm replacing it with a$10 ,000 thing. Because you are selling this tomorrow and it is not a f***ing shit. Call it a$500 minimum monthly payment. With a$500 minimum monthly payment? Yes! I'm just making sure. I don't know if we can get rid of the carnival. Yeah, you sell it. Are you stupid? You stupid? Are you selling the carnival? We're going to have to. Good. I was about to end it if you said no. Good. So I can continue. It's not an option. You guys can afford life.

1:31:59Jesus Christ. Global Lending Services. Who owes this? Who owes this? That is both of us. That is for... Oh, yeah. Kia Forte. It's Forte. That's my car.

1:32:15Yo,$24 ,299.33. What do you think it is worth, big guy? Definitely not that. It's definitely not that. It is definitely not that. What do you think it is worth? How much did you say? I'm sorry. You owe$24 ,299.33. It's worth maybe$15 ,000 to$16 ,000, if that. Well,$17 ,000. Okay. $608 a month?

1:32:38Hmm. Cash app,$831 ,000 is in a balance. But it goes out every month. Wet. Oh, another car wash. Three in a month die. Mattress? Denver mattress? That was for her brother. We purchased some sheets for my brother.

1:33:03How much for the sheets? Back in the house. $300? Going to get some bullshit.

1:33:12Amazon. Amazon. Walmart. Bullshit. Bullshit. What do you go, when you go into Walmart and get something for$10, what are you getting? What are you getting? for something for$10. Usually like a shirt or something maybe. Oh, why? Snacks, I don't know. Snack, what snack? Fuck you, snack. I don't know, for the kids. Them. Them, buy and bulk, get Costco. I don't know why you're doing that. You say f***ing kids all the time. I do say f***ing kids. Them kids, but I still give those kids everything. ATM would draw, operator fee, getting some bullshit, getting some bullshit. What, did you go into the gas station and get$8.84?

1:33:43Shit, I don't know. Bullshit, bullshit, bullshit, bullshit. Taco Bell, check in the box. Bullshit. F*** you, bullshit. KFC, f*** you. KFC. That's racist. Taco Bell, send it out money, Amazon, Cafe Ali, Smokey Carboiled, sending money, sending money, vending machine, vending machine, what are you getting into the vending machine? For$3.25. Oh, that's my blue Gatorade. Buy it a blue? Blue Gatorade. You can buy a bulk of Gatorade for$6. Yeah, but I don't always want it, so sometimes it's just there. Bring it! It's convenient. Bring it! Send it, Taco Bell, sending, sending, vending machine. Woo! Venomachine, Jack of the Box, Sunday, Sunday, Wednesday, Sunday, Sunday, Venomachine, Venomachine.

1:34:26You're getting blue Gatorade every 10 seconds of your life. Yeah. Is this zero calorie Gatorade? Huh? Is this zero calorie Gatorade? I don't know. It's whatever they have in there. No, because you don't like the sugar. Die! You don't like the sugar free because it don't taste right. Elite, KFC. Yeah, Elite is coffee. That's kind of an every morning thing. Every morning? Almost. Make your coffee at home, you dumb. And make your energy drinks at home. Didn't you tell me to make my coffee at home? I did. Yes. And make your energy drinks at home as well. 25 cents a serving. I guarantee you it tastes better than Gatorade because you can do the hydration versions as well instead of the energy versions.

1:35:02So take your free samples. Get your free samples. Link in the description below. Type in code Caleb. And then get your, when you order the flavors you want, the nice big packs, 25 cents a serving with 10 % off with my code. Link in the description. No more of this dumb shit. Make your coffee at home. Make your energy drink at home. that the hydration version better than Gatorade I promise and it tastes it seriously is better than Gatorade no and it really tastes is that this or was that the other one this is the canned version there are the powder version yeah the canned was what we drank that was good the strawberry yeah it was very good that was really good bullshit vending machine bullshit sending sending subway new cord payless smoke mart die market bullshit bullshit fucking Gatorade Taco Bell Olive Garden $5 in savings Bullshit, bullshit, bullshit, bullshit, bullshit, bullshit, bullshit, bullshit, bullshit.

1:35:52Don't want anything to get some bullshit across the board from Walmart. Bullshit. $200 in here. Let's fucking just check on protection fee. Overdraft. Die. Die. $400 of overdraft fees this year so far. Oh, what are we doing? We're ruined. We're ruined. We're ruined. We're ruined. This is one of the worst I have seen in a very, very, very, very, very... You write this down? Fuck you. I don't want to look at your budget. You don't know what the fuck you're doing. $400 an overdraft fee. I don't want a single... I had Chad GPT do it for me. I don't want to see a single thing that you do. I just have Chad GPT do it for me.

1:36:27Yeah, you don't know what to feed Chad GPT. You don't know anything. You can't give it accurate information. I mean, shit. Oh, my... Are you kidding me? Are there three more loans? Yes. What are school loans? Concordia School loans and credit One Credit one is your Silver card

1:36:55Guys Why Why are you doing life the way you're doing it You're You've destroyed your kid's future You're ruined You're destroyed This is the for a house that makes literally$12 ,800 a month. What do you want in your lease? What are we what? What do you want in your apartment? Next. Oh, next. June, July. June, July. Die. What are both the rents combined? $23 ,40 and$13 ,50. I said combined. Okay, so. $7 million. $20 ,000. $23 ,40 plus what? $1 ,350.

1:37:46$3 ,690. Both utilities combined. How much? Utilities combined, we're looking about$400 a month. That including with internet? That is with internet. Phone bills. How much? $200 a month. It was more than that, but whatever. Debt payments. Let's see. Let's find out. What are your student loans? What's the Concordia? What about Credit One?

1:38:10So student loans,$10 ,000. Yeah, what's the monthly payment? They haven't given me one yet because I'm still enrolled in school. Starts next summer. Oh, that's right. Okay, what about Concordia? Concordia, the monthly payment is like$30. Okay, and credit one, it's about$30. Credit one is, no, that one is a$2 ,000 limit, so that one is about$120,$200 sometimes on his. When you're trading the car and all that shit, you get the new car,$10 ,000, blah, blah, blah, your minimum payments are still$1 ,811.57. Could be a big part of a nice chunky mortgage. Car insurances, how much? $7.20. Oh, that's insane.

1:38:50Gas, how much? Vroom, vroom, drive, drive. Probably about$600 a month. Oh, yeah, per car, yeah. For both of us. Yeah, you're right.

1:39:02Should be about$1 ,000 for groceries. Should be okay. Yeah, that's exactly where it's at. They don't have to go up the older they get. Minimum payment, anything you and the kids need to survive. This is tampons. This is makeup. This is school activities. This is whatever. It fluctuates month to month, but we're going to average it out at about$300. You can save one month, spend six in the next. Medical health care. What? It's definitely more than$300 a month. F*** you. No, it's not. Not anymore. The kids' haircuts alone are like$200. What? What is wrong with you? A month. Go to great clips of every few months.

1:39:33Are you f***ing stupid? That, no, I won't change their barber. Okay, then die. Then I don't give a f***. If you're not willing to change a barber, then go die on the Walmart f***ing floor if you're not going to change a haircut place. Are you stupid? I'm not going to deal with this. I'm not dealing with this if you're not changing a barber. What the f*** is wrong with you? You're a mother. Change it. I get that. 300, you 10. I don't give a f***. One is comfortable with wearing that. Shut the f*** up. I don't give a s***. I don't give a s***. I don't give a s***. $50 for subscriptions. Do you have co-pays?

1:40:04No. On a monthly basis for medical? No. Gyms, how much outside of the one that we're going to be canceling? $40. You're talking about the one you just got? The one that I have, yeah. Pets, how much? How many? We just have a dog. Age and health. Yours is brand new and healthy. You? She's about five. She's six. Healthy? Yes. $100 a month for pet insurance because no way you guys can afford if something happens to that dog and it's not fair to them. Pet food, how much on a monthly basis? Oh, like 50 bucks. They're small dogs. They don't eat a lot. This is a minimum survival budget, not a we get to choose the barber we prefer budget.

1:40:46This is a survival budget. Asshole, you are a mother. You have kids to take care of.

1:40:56Minimum survival budget is$9 ,021.57. minimum to survive. Now the rent goes down when your lease is done. Obviously, because you're moving back in if we are going to be together. Again, we budgeted like we were together. Mm-hmm.

1:41:20Your total debt position is$91 ,000, $93 ,000, and$42 ,000. $91 ,000. Fuck. $93 ,000,$42 ,000, We're minusing$10 ,000 from the student loans. We're minusing... What's the car we're getting rid of? The carnival. Thank you. You're minusing$34 ,757 because you're getting$10 ,000 in our car. $46 ,336 ,042 of bad debt. How much? Say that again. $46 ,336 ,042. I am giving you$500 of BS. If that is for better barbers, it is for better barbers. If it's for going out to eat, it is for going out to eat. If it is seeing family, it is seeing family. BS is$500. Okay? That's fucking it. Okay.

1:42:21$500, that's... That's not even it. What? What do you want? That's not what? What do you want? No, I mean, I'm going to have to deal with it. Am I not? That's the Ross trip. Shut the f*** up. Gives you an extra$3 ,200 on a monthly basis. Did you f***ing say a Ross trip? Yeah. Divorcer.

1:42:48With that,$3 ,200 on a monthly basis, you're out of bad debt and 14 f***, which is so beyond worth it. You guys are in a privileged position. If you f*** this up, it's on you. and it's all been on you so far. And you need to sit down and be responsible as well. You need to come together and go to couples therapy tomorrow. What is wrong with you guys? Then get a fully funded emergency fund and start catching up in retirement because there wasn't a retirement to save our life. Join us in the post show. We're probably going to call some more people like the current boyfriend and bullshit, bullshit, bullshit, bullshit, bullshit.

1:43:16Listen, oddly enough, I already have someone else's hammer financial score here, but that's not you guys. Let's get the hammer financial score. Spending in a budget. Well, let's see. you actually did not spend more than you make but every it wasn't going towards that it was going to bullshit so it's still going to be a two out of ten spending your budget debt well this is i mean you come on you're over the limit you're collect it's as bad as it gets without collections one out of ten actually the firm's probably in collections zero out of ten emergency fund there was nothing in savings zero ten retirement nothing zero ten real estate nothing zero ten ridiculous ridiculous such an easy fix and you guys won't even do it's what a joke buckle down couples therapy budget 14 months then six months emergency fund that only takes a few more months to get because you have a lot of money left over and then your debt minimum minimum payments will be zero i don't want to and you catch up in retirement with 50 30 20.

1:44:05i'm done click that join button guys join hammer elite three premium shows posted every single day monday through friday including an extra 20 minutes of this show and every other financial audit which is called the financial audit post show make sure you get your hammer financial score at calebhammer.com i'll see you in the post show i'm gonna die a month before our wedding i get a call and was like, hey, I need to call me. I said, what do you want? She sends me a picture of a baby and I'm like, are you serious? And he's like, oh no, I never slept with her. Never slept with your wife. It wasn't his wife.

1:44:33It was another girl. I started talking to this other lady. Yeah, we had sex a couple times, but we didn't, you know, we didn't have a kid or anything like that. You don't know that. Camera Elite is the best YouTube membership on the platform and I just upgraded it. New dedicated premium shows every single day, Monday through Friday. Join with the link in the pinned comment or description below. This is the best membership you'll ever join, and that's a promise.

1:45:21Cut the camera. They see us. Only pay for what you need at LibertyMutual.com. Liberty, Liberty, Liberty, Liberty. Savings vary. Unwritten by Liberty Mutual Insurance Company and affiliates. Excludes Massachusetts.