Financial Audit's Most Abusive Mother

23:08You can really feel the respect in this battle. Pick a meal to pick a side. Ba-da-ba-ba-ba. Participating McDonald's while supplies last. The kid and I'm with the same guy. Yes, that will be the biggest surprise I've ever heard. If I woke up tomorrow with my head sewn to the carpet, I wouldn't be more surprised than I am right now. You suck with money. So you download a budgeting app. You start with the classic one, Wynab, but everyone just deletes it because it's way too complicated to use. So you go to EveryDollar. That's Dave Ramsey, the personal finance guy, right? Well, they're gonna force you to use it his way.

23:40That's not very personal finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they wanna sell you in the end? Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far, But private equity doesn't have the best track record when it comes to private data That's why I like dollar wise built by these people just like you for people just like you No private equity no gimmicks just the best budgeting app there is download it now start the free trial Dollar wise calm link in the description below.

24:13That's kind of stupid. I'll be honest But what's not is actually getting a checking account that gives you free money free money We like free money. You can get up to$350 in bonus cash right now when you sign up for the checking account that I use, Chime. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Audit and get free money at the same time. Who would have thought? That's incredible. Check it out. Link in the description below. Sign up for Chime. Get that$350 right now in your checking account. So what the f*** are you going on? Is all this shit I'm looking at just absolute...

24:53Debt, baby? You have$103 ,000 in debt. You have$103 ,000 in debt. Oh, my... What do you do for a living? I haven't even asked that. I haven't even asked that. Well... Wait, wait, wait. Okay, you'll answer that in a second. I have a note. She really wants to marry him. But why don't you still wait until 2028... He just got divorced. To do it. He just got divorced in December. Girl, you are not going to last with him to 2028. You are going to get braided by another. Your history. Are you seriously asking me that question? You will find another person. You will find another man in Akron and you will cheat on your current guy.

25:29That is not true. You cheated on your previous one and the previous one before that. You've cheated endlessly your entire life. Got knocked off endlessly your entire life. I kissed a girl. I kissed my best friend in the bathroom. Okay. Is that not cheating? If I went and kissed a woman, am I not cheating? Well Well, when I kiss the man, would I not be cheating? Yes What the f*** is wrong with you? You're a cheater Big deal You're a cheater Big deal It's, I kissed, I kissed a girl Big deal Most guys would be like, hell yeah, let me come join Okay Well, I don't know about most guys But maybe some But, I mean, you get other people to cheat too I didn't, what do you mean I get other people to cheat?

26:14You were being sugared baby by a married man. That's how you're going to pay your bills? Being sugar baby? You're not sugar baby material. I mean, come on. Let's just be honest. Not to put you down, but I'm going to put you down. Apparently I was. Well, no. How disgusting was he? He was not disgusting. He actually was a, I can. Yeah, but you call yourself an eight, so. Well. Okay. Yeah, show me. Sure. Yeah. Why are you sleeping with a married man? I didn't know he was married. So she's a homewrecker too. I didn't know he was married. Uh-huh. I didn't. I found out. You were with him for a year.

26:47Yes, he hit it very well. You were with him for a year. Probably over a year. And what did you do after you found out? Don't lie, I'm being tight to the truth right now. I stayed with him a little while. Uh-huh. Home wrecker skank slut whore. I might actually have to go on her. I mean, I'm sorry. You're everything. This is a f***ing. Thank you. And your eyes look tiny in those glasses, so. Okay. Is that true? Do these do that? They do do that. Well, I'm going to judge you for everything. because you just only make bad choices your entire life. That is not true. What have you made that is good?

27:19Oh, my gosh. You can't find this guy. Okay, so you kept sleeping with a married man because he was giving you money. What was this worth? It wasn't because he was giving me money. What? You were sugar baby. It wasn't. I wasn't a sugar baby. You were sugar baby. No? No, I wouldn't call it that. We were dating each other, and he would, like, like for my birthday, he let me go on a trip. Let you go on a trip? Like, paid for me to go on a trip. What? So, but it's not like he wouldn't give me an allowance. Well, you kept being with him. So, cheat, cheat, cheat, cheat. Dude, you're the worst person ever created, I think, on this planet.

27:55I really wish I could find a picture. We got you, we got the Supreme Leader, and we got Hitler, but only two of them are dead, unfortunately. I am not up there with Hitler. That's a stretch. Oh, but the Supreme Leader? Okay. I don't even know what that means. Okay, not to date this, but this is two days after we killed him. Are you not, like, in this world? I'm not in the news. That's not even in the news. That's, like, impossible to avoid. I don't watch the news. I don't watch the news. No one watches the news. I don't think I've even been on the social media. Oh, she's... Oh, shit. What is your job?

28:29Um, well, if my car wasn't broken down, I would be door dashing. Wasn't broken down? If it wasn't broken down, I would be door dashing. Okay, well, I have a sneaking suspicion it's broken down. Yes. So what do you do for a living? I do DoorDash, but my car's broken down, so I'm waiting for it to get fixed. Right now, I'm doing nothing. About to be mother of two. And leaves every man after a couple years because she finds a new one she prefers. Oh, my. Oh, my. You're bringing in zero dollars? Right now, yes. Oh, how long has it been? Uh, only a couple weeks. And the baby daddy, what does he do?

29:08He also does DoorDash. And? Is he currently? No, because the car is broken down. Oh, you share the same car? You go door dash at the same time? No, we split it up. We only had one car.

29:24Take a bus and work at a coffee shop, you fat. I'm trying. I'm sorry, I'm upset. She is a demon damn to hell. Excuse me. I'm trying. No, you try and get hired while pregnant. Nobody wants to hire you when you're six months pregnant and high risk and you have to take four days off a month. Yeah, but it's also against the law. Yes, it's against the law, but that doesn't stop people from discriminating. I mean, I get it. If it was legal, I would. Because, I mean, I agree. No, I get it. Then I would onboard you and then you'd be gone. Yeah, I get the reasons. I follow the law. I mean, it's very logical if we're being honest.

30:02It is. What about him? Why can't he just go get a job? He has a child on the way. He's been trying, but it's been falling for you. All right, let's get this man on FaceTime. Let's get this piece of shit on FaceTime. Oh, this failure of a... Why is he dropping loads? Why is he dropping loads into a... Okay. I know it was two weeks after. That's why I'm saying that. If it was now... Because he saw the light in me. If it was now, the light in you... Yes. The light in you or the nostrils bleeding. Which one? He saw both, and he wanted me to get better. And he's the reason I'm better Have you ever done the crystal?

30:40No I never H? No I did like When it came to opioids And then once I got clean from those I went to Adderall And then I never touched Still clean from opioids Yes How long is it back? You don't have to do the math Has it been since rehab? I haven't Has it been since rehab? It's been almost a year Since I've been clean from opioids So you did one after rehab I'm 339 days sober from opioids Well, good job with that. But you did do a relapse? On other, not on ****. I relapsed on other drugs. Yeah. That was, so I pretty much, I ended doing **** in April, started doing. Give me this. We're bringing in the iPad to call this man.

31:26Call this man. Who's about to be a father? What the ****? So your ex number a million or whatever, who is your current boyfriend's brother, is probably going to have to step in and take care of this kid like he did the other kid who was also not his. Because that's the only person responsible in this picture. The man you cheated on. Well done. Gosh, you're disgusting. No, absolutely not. The guy that I cheated on is the one who's responsible, you're saying? What is wrong with you? Huh? You're saying the guy that I cheated on? My boyfriend's brother is the only responsible one. Oh, no. I got mixed up in the picture.

31:57You're right. It was the one that you cheated on before. Oh, f***. I didn't cheat on it. So he's going to have to step in and take care of this kid too? No. he has no relation to this kid. The one who's taking care of my... He didn't have a relation to the previous kid. The one who's taking care of my current kid? Yes, that's what I'm saying. No, and he has his own baby on the way. Oh, my... Baby's gonna be born like two weeks after me. The only reason we don't have a rapid declining birth rate like South Korea is because these type of people, these type of people in Akron are breeding left and right.

32:27He is good. He can have his baby. I don't know. I don't know. I mean, your current guy has two, so what the f*** are we doing? What the f***? All right. Okay, pause for a second because we got to bring in our technical director to get this guy on the call. Listen, my guy, welcome. What are we calling you? Baby daddy. Let's call you baby daddy. What the is wrong with you? Why are you impregnating a woman two weeks after rehab, dude? I mean, it just happened. Well, yes, if you stick it in, it just does. That's kind of weird how that works. But you already have two kids. Why are you guys breeding like left and right?

33:01It's kind of crazy. You guys are breeders. Yeah. I mean, I like my children. You like your children, yet you refuse to take care of them because the fact is you work DoorDash while she also works DoorDash and you only have one car? It's very irresponsible to bring another child into the picture, no? Okay, you're not going to say that I don't take care of my children. Well, I will. But I'm doing the best that I can currently. Objectively, no. You're doing DoorDash with one car when she's doing DoorDash. That's impossible. I mean, we can't pull a car out of our assholes. No, but you can't double door dash, which means someone needs to take public transportation and go to work.

33:38There's a morning shift and there's an afternoon shift. Exactly, of which one person can do both and the other person can go get a job. And it's not going to be the pregnant woman, which means it needs to be him. Any job. I don't care what job. Putting fries in the bag. Why haven't you put the fries in the bag?

33:55Wow. I knew that was going to happen. He can't handle any pushback on how he clearly doesn't take care of his... He takes care of his kids.

34:13I don't think that's true. That's impossible. How is it impossible? Because he just needs to go get a job, man. When I was growing up poor, at least my dad went and worked like a gas station clerk. type position to make sure food was put on the table. He's not going to answer. Okay, text him and you can tell him that we will be, I'll be more gentle to him because I do have more questions about this thing. So you can tell him I'll be more gentle.

34:48I'll be more gentle, but I mean, since he's not here, kind of a loser, if we're being honest.

35:02How much is the fix for this car? Like$1 ,500. Okay, you texted him? Mm-hmm. Okay, let's see what he says. $1 ,500. Now, how can we ever possibly pay$1 ,500 if our only way of bringing in money relies on the car? Seems like an inescapable loop. Only make money if we have the car, but we can't do the car unless we put$1 ,500 into the car. And it's been two weeks and no one's done anything? I'm waiting on my tax refund to be able to pay for the car. Okay, that might be a couple weeks. You are literally, I'm sorry, the bottom of our society. I mean, I'm sorry. But with what you have done and you're bringing children into that picture, that should not be the statement.

35:46One person objectively should be doing this DoorDash all day. If that's one of the options, which I wouldn't be beating this car to the ground. The other person needs to be putting fries in the f***ing bag. And you guys are acting like losers not doing that. And I know I'm being mean, but you need to know. That is the reality. You guys are acting like losers. You have kids and you're saying you're waiting on your tax refund. That's going to be like a month or two away. A month. A month maybe. A month? So we don't bring in any income for a month? How do you pay the rent? How do you pay for food on the table?

36:16You probably get food stamps, don't you? I do. Of course you do. So you guys want... So be very clear. We have yet another example in this show. Another example of this show. of a couple who is literally just choosing not to work, choosing not to get a job, yet we are providing food stamps? I want us to provide food stamps to those who need it, to those to take care of kids, to those that are falling on hard times and are not doing it. You and your boyfriend, I understand your situation right now, but he is actively choosing the baby daddy of your child to not get to the job. I mean, how is he going to get to the job?

36:51Oh, I'll tell you how. Apparently he has a car, so it's not cost effective to drive it for DoorDash. That's how. Well. Wow. Can't exactly. You walked right into that. What a disgusting. The truck is, if it was working, then I would mention it. It's broken down. We have. What? No, you just said it's just not cost effective. And you guys are looking to buy another car and you disagree about it. Yeah, and it literally broke down yesterday. With what cost? Oh, with yesterday. Public transportation, bike. What do you think people have done throughout all of human history? Walk if he needs to. In college, when I was five or six miles away from my busing job, when I was busing for the summer, in between freshman and sophomore year, I biked.

37:31I didn't have a car. I biked so I could save up to get a car so I could do delivery driving my sophomore year of college. That's what I did. He's about to have a kid. He shouldn't get food stamps. So he gets food stamps, right? He doesn't get food stamps. He doesn't get food stamps for two kids? No. Okay, but he's about to have a kid, and there's going to be additional food stamps for this kid. And he's the baby daddy of it. So to be very clear, I want assistance for those who need it. He is actively choosing not to work, and this new child is going to get more assistance that we are paying for, those of us who do work, when he's choosing not to.

38:03It's just for the time being. Not for the time being. When's the last time he had a job? I mean, we were door dashing. When's the last time he's had a job? Other than door dash? That's contracting, and you could have been doing it with the one car the entire day. He could have had a job outside of that. We've established that. When's the last time he had a job? Several months ago. Disgusting. What was it? I think he worked at Amazon. You think he worked at Amazon, the baby daddy of your— I think that was the last job that he— I'm saying I think that was the last job that he had. How do you not know?

38:32You were pregnant with his child. I did a lot of— My brain is— Clearly getting bred immediately. I mean, I think, obviously, you're going to keep him— Has he texted back? Yeah. And? He said, don't call me again. Oh, oh, I'm a— Man, no, he's a pussy. What a little... What a little... He is not a little... Okay, come on. He just doesn't want to lose his shit on you on camera. Oh, no! What would I ever do if someone was angry on a FaceTime call? He doesn't want to lose his composure on camera. Oh, that's great. That's what I want to hear from a father of two and an upcoming father of one. Someone who can't control their emotions and loses control.

39:14Wonderful, yeah. DV definitely doesn't happen in situations like this. If someone was telling me I don't take care of my kids, I would get pretty defensive too. Yeah, but was my reason – he can get defensive. That's okay. But was my reasoning wrong? No. Objectively, no. And he needs to face that reality whether or not it upsets him. He needs to face that reality because there's a kid coming out of the way. She's getting tax assistance. You're a net taker. You're not a giver. You don't provide anything to society. Like, it's just like – I have spent most of my adult life providing to society. I have just fucked up recently.

39:49No, you've never been a net giver. What do you mean? You've, with your tax credit and everything, which I am not against, to be very clear, you have never net contributed to the overall system. You've only taken. I haven't always received assistance. Yes, you have. With your kid, absolutely. No, I haven't. It's been baked into your tax form. I have not always received assistance. Yes, you have. It is baked into your tax form. Always, as in my kid's entire life. No, there was several years that I did not get assistance for him because I made too much money. You may not have gotten food stamps specifically, but you have always gotten a version of a child tax credit, which has been doubled recently, through your kid in your tax form.

40:29You are not—the bottom 50 % of earners of which you always have been in this country, which is okay. That's not a shame thing. That's okay. Contribute 1 % to the federal income tax system. 1%. We have a very progressive federal income tax system. You have never been a net contributor. And that's fine. But the thing is, you guys are, now it becomes a problem and I start becoming upset because you guys are actively choosing not to get a job. You won't do DoorDash because you need$1 ,500 to get a car working and you can't get that because there's nothing. I can get that. It's in the plan. It's getting fixed in seven days.

41:00How? Where's the money? Taxes. I'm going to get my taxes by then. Right. So remember when I said taker? And then he's not going to get a job because he's a coward. Pussy ass bitch. It's my taxes that I paid into. No, no, no. Oh, oh, oh, lady. Oh, oh, lady. Oh, do I really have to have this conversation? Again, I need to clarify out here because I know there might be some confusion. I mean, isn't that a tax refund? A refund for taxes that I've paid through the year? And that is why they really need to change the name of that. You know why they do that? Because if it's not, that would be very misleading.

41:37Quiet. You know why they do that? because it makes the elected officials look good that they're refunding. It's not a refund. You're not getting refunded. You're getting net more from the system than you get, than you give. And it's because of the child, and I'm not against that part. But then you also get food stamps throughout the year because you're choosing not to work. I am against that when you're choosing not to work, especially him specifically, about for the new kid. So no, it's not a refund. You've barely given anything. You've barely given anything into taxes. In fact, I highly doubt you're even claiming your DoorDash correctly.

42:13Uh-huh. Yeah, I did my taxes correctly. Uh-huh. I mean, I didn't see any problem with it. What do you mean? You didn't see any problem with it. What? I don't know what I did wrong. She didn't see any problem. She saw no issue whatsoever. I wrote off everything I was supposed to write off the correct way. No, not a chance in this world. and not a chance in this world. Huh? Why? Because listen how you spoke in this entire conversation. I don't, you don't know what a write-off is. You don't know what a deduction is. There's no way you did this correctly. Yes, I do. Oh, you literally just called it a refund saying it's a refund for the money you paid in.

42:52You don't know how it works. No way you know what a deduction is. No, you do not. And that's okay. I've been doing self-employed things for like three years. I know how to. It doesn't mean you're good at it. People f*** that up all the time. Listen, again Oh, I just want to be Because you keep taking me down rabbit holes I'm just going to talk over you While you keep speaking The thing is I'm against a broad social welfare program To help people You were just abusing it And then with your new kitten We'll be extra I'm abusing it because for this current month I don't have a job Month? When's the last time you had a job?

43:29Doordashing is a job Yeah, but you guys are f***ing around do I need to explain this for the fourth time? You don't need two shifts with one car. One person could be doing it all day. It ain't difficult to do DoorDash. I was delivery driving through college for four years, okay? It ain't difficult. It's pretty simple. One person can do that all day while the other person is working. You have to provide. And since you guys are choosing not to, including him choosing not to get a job, because he, by the way, if you're watching this, you're a coward-ass, pussy-ass, bitch, mother-f*** failure. No, you're not.

43:58Objectively, you are. And we have seen proof of that here. No, you're taking like two pieces of evidence And making this conclusion out of it Girl, 45 minutes of talking There's almost, I don't see any alternative He also took his boy, his brother's girl He's a horrible person No, he's not He's a horrible person, you're a horrible person And you need to know that I'm not going to sugarcoat it This show is not about sugarcoating I'm not going to do it to look good out there I'm not going to do it to look good to you Or to the people sitting in this room I will take any person that comes in this room and I will let them know how they are.

44:33If they're a good person I'll tell them. If they're a bad person I'll tell them and you're a bad person. I'm not a bad person. You're a bad person. No, I'm a good person to society and I'm a good person to everybody around me. Okay, objectively not to society. I might have I might have f***ed up in my past but that doesn't mean that I'm a terrible person. Especially when everybody's happy now. You got blocked. You don't know. You're just saying things. I do know. Just because I'm blocked on Facebook Doesn't mean I don't talk to her. Shut the f*** up. What do you think your financial score is 0 to 10?

45:03Your f*** score is a million. Thank you. Probably. Skank scores off the charts. One. Starbucks is bulls*** and a waste of money. And you already know that by making your coffee at home and investing the rest. So now you need to do that with your energy drink as well. Make gamer subs at home for just 40 cents a serving. And honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show, Fat and Fatter. The number one ranked energy drink is Gamersubs. 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 Gamersubs.gg or click that link in the description below.

45:46Type in code Caleb. Hammer Elite is the best YouTube membership on the platform, and I just upgraded it. three exclusive dedicated 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. That's a promise. Get your Hammer financial score. Take the assessment for free. Calebhammer.com. See where you stand in the world of money. It just takes a few minutes. You take the assessment. It's great. You see where you need to improve. Where are you doing poorly? Are you, what are you blowing? What are you blowing him?

46:23What did you just blow at me? I didn't see. It's just a vape. It smells. It smells like raspberry lemonade, pussy. Wait, you're pregnant! Yeah.

46:36Nicotine is probably harder than to quit. You're pregnant? You just... You know what people do while they're pregnant? A little nicotine is fine, and my doctors know. There is an increased risk of birth defects like cleft lip, cleft palate. My doctors know about it. There's also a risk of having the baby early, preterm delivery, low birth weight. And honestly, I'm on so many medications from rehab. This kid's going to come off. Oh, double downs. I get scans every month and he's perfectly fine. The vaping can damage not only the mother's blood vessels, but also the baby's blood vessels. And that can cause long-term damage.

47:18Oh, for f***s sake. Trust me. All the medications I'm on. First of all, don't vape in here. Let me just say that. I don't want your f***ing addictions throwing through my air, especially towards my coffee that I'm drinking. And I don't like the smell of it, even if it's kind of, it's just nasty. It's raspberry lemonade. Stop it, stop it, stop it. Shut the f*** up. It's raspberry lemonade. Remember when I said you're a bad person? I don't think it makes me a bad person. What? There's no way. What the f***? Grindr. Are you sure that wasn't you? No, it wasn't. I'm deleting it. You get to choose between Grubhub and Grindr.

48:04Your path. Medical info we have on pregnant woman who vape. Oh, I also smoke dill. No. What kind? Well, how? I take... It's all cleared by my doctor. No, no, no, no. No. No, no, no, no, no, no. They know... That doctor's straight from Flint. They know that I smoke... Born and raised. Listen, I used to do... Okay? What? It's much better. It's much better for me to be smoking... And stay in California so... Do not, do not, do not, do not, do not... Do not... Your entire life cannot be based on because it's not as bad as... It's not bad. What? What? Once you've been an addict, then you can... You're pregnant!

48:56Okay. What? You don't have to tell me I need to be an addict to be able to speak on this. You absolute... There are no studies that have shown that there is a negative effect on the baby from smoking weed. Wrong again, idiot. And I have a baby that is a weed baby, and he is proficient in every way. Oh, shut the f*** up! He is. He's always been brilliant. And he's six years old, and he's amazingly brilliant.

49:30I'm not blaming it on the... But I'm saying it didn't have an effect on him. Bring back town square beheadings. This is crazy. You're insane. What the fuck is wrong with you? And you're going to keep popping them out. No, I'm not. This is my last one. Vaping during pregnancy exposes the development to baby to nicotine, which can harm brain and lung development. Animal studies indicate that nicotine in certain flavorings in e-cigs may impact fetal development. I am because I started with that first because that's where we started, you dumb shit. Human studies have linked vaping and pregnancy to increased risk of preterm birth before 37 weeks, low birth weight, and small for gestational age.

50:21With neurological issues, self-regulated problems, motor skill defects in infants. Oh.

50:34A study found e-cigarette e-cigarette exposure with nicotine. It's because you vaped at me. I think I'm becoming um, placement growth impairs fetal and uh, place uh, place non-tall. Placental. Oh, placental growth. By interfering with Yeah, listen, okay. I'm struggling at reading this. I really am. No, I'll be completely honest. High increased chances of sudden infant death syndrome. With nicotine? Yes. Okay, well, I'm going to trust my doctor. It's not Dr. Google. It's not Dr. Google, first of all. We have every search engine whatsoever. And that also comes from the CDC. Okay, well, I'm going to trust my doctor.

51:19Stay off the weed. Okay, that comes from the CDC, Mayo Clinic, Duke. I'm going to trust my doctor. And the Australian health government. Government of health. Okay. Okay. Studies of the pens, which have... Not a pen. Huh? Not a pen. I take concentrate. I smoke concentrate with a nectar collector. It's different from a pen. I mean, they use concentrate to turn pens into pens. How do you consume it? It's a little... It's like a... This episode is brought to you by Indeed. Stop waiting around for the perfect candidate. Instead, use Indeed Sponsored Jobs to find the right people with the right skills fast.

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52:40Okay. Well, one thing we know for sure is the THC concentration is substantially more, typically, with that. And this has, yes, studies from the CDC and the HSA. and it can lead to impaired brain development, long-term issues with learning difficulties, behavioral problems, attention deficits, and neurological impairments in children. Well, my doctor would much rather... Dude, your doctor needs to be... He would much rather me be smoking... and staying California sober than for me to relapse. Stay off the weed! It's honestly... Dude, I would be okay if you weren't pregnant. I'd be okay if you weren't pregnant.

53:22I'd be okay if you weren't pregnant. Well, luckily I don't need your approval. No, but unfortunately your child will face the impacts of your decisions. No, he's developing perfectly fine. Guys, we heard it here. No, no. I get scans monthly and he is totally fine. His brain, his heart, his lungs are all developing perfectly fine. We don't know everything perfectly though. That does not tell absolutely everything. Increased risks for acute effects like anxiety, paranoia, and psychosis. in their age. They don't see that. They can't see that in brain scans. This is from the CDC. You can't say there's no studies being done.

54:03Listen, there's smoking weed while pregnant and there's relapsing while pregnant. I would much rather go with this side. So that's the only other option? Is that really the only other option? If that is specifically what you're telling your doctor, then sure, I can see your doctor saying. Smoking weed is keeping me sober from other things. Really? Yes. Really? Yes. So every single person through rehabilitation is smoking weed and it's the only reason they're staying sober. You are pregnant. No, I didn't say that. I said me personally. How can you 100 % say that's the only reason? Because I know myself.

54:35I feel like you have told your doctor that and that's the only reason they're accepting it. This is disgusting. You disgust me. You disgust me. Oh, I think you're the most disgusting piece of shit that's ever been on the show. No way. No, it actually might be a pretty, I'm getting a nod of agreement from Brandon, and he's a piece of shit. Do I get an award? I'm kidding. Okay. A medal, maybe? Huh? Do I get an award? Like a medal? Yeah, two children. Again, you can get your financial score at CalebHammer.com. And if you don't want to be like a guest who ends up on the show, make sure to download the new and improved DollarWise app.

55:12It is incredible, guys. It really is. It is taking the budging world by storm. It simplifies things. It is not overly complicated like all those other ones, and people are sticking around and signing up like no one's business. It is absolutely crazy for a reason. Most people take the annual version because it saves 50%, and when you do, you get my budget-friendly cookbook, mailed by me, signed directly to you, and— Oops, sorry. Did I hit you? Signed by me, mailed directly to you, and our brand-new budget-friendly meal plan, which is a detailed meal plan every day of the month, which helps you meal plan, meal prep.

55:45I'll sign that, mail it directly to you. This is going away forever at the end of March. It will never be found again. Yeah, yeah, yeah. Okay, okay. I'm going to... I got to get into these numbers. This is crazy. First of all, how are you even 100 ,000 hours in debt? What is wrong with you? Most of it is my mortgage. You have a mortgage? Wait, 100 ,000? Akron? How is that? Your mortgage is 77 ,000. You're late. She's late. You're not paying your mortgage. You have a children. You have a child. More are coming. An endless amount more are coming, by the way. They will. Girl, if we check in in 10 years, you are going to have three more kids.

56:21That is not true. Three more kids or 10 more abortions. Absolutely. No chance. I know why I'm not having any more. Why? Because I have to get a C-section with this baby, and I'm not doing that twice. Yeah, but that doesn't... No. He's getting fixed, and we're avoiding that. He's getting fixed! Your pattern does not suggest that changes anything! Woman, we all know people like you from places like Akron. You're going to have more kids or more abortions. I don't care. It's going to happen. You'll be surprised. No, I literally will not. It will not shock me at all. No, you'll. You're not paying your mortgage and your mother or children.

57:00I'm disgusted. And yet he won't get a job. What a pathetic piece of shit. What a pathetic piece of trash he is. It's not his mortgage. No, but his child is going to be living under the roof. What the fuck is wrong with you? It's not his mortgage. You're okay with it. Oh, my gosh. Does he live there? No, but. Does he live there? Yes, he does. Ah! But I'm saying it's not all his responsibility to make up. What? What? Are you guys not the future people together? You said you are. So, yes, it would be as the man who's about to birth a child would be his responsibility to make sure the roof stays over the head.

57:38In fact, I would say that is the number one responsibility of a father and a man is to make sure a roof is on overhead, utilities are on, and food is on the table. I would say that is actually the number one responsibility, except he's a pussy-ass bitch who can't bike anywhere. He's not a pussy-ass bitch. He's not getting a job. He's a failure. He's a failure. No, he's not. And he can't even stay on the call for more than 30 seconds because he's a coward. He's not a coward. He's everything, and you're dismissing it. Okay. Until you leave him for another penis like you always do. It'll probably be the third brother.

58:09I don't leave people for other penises. I leave people for better people. Objectively, no. Objectively, yes. No, he's not willing to stay on the call because he's afraid he's going to lose his temper. He's going to beat your child. Screw you. He's not going to beat my child. Like that doesn't, one does not relate to the other. I'm sorry. We've seen people like him. We know the tendencies. And this is not in a rural area, dude. dude. I just pulled up the location. You can get a nice house in Akron, by the way. That just means you have to deal with everything else for this low price. But he can easily, bro, literally a five-minute walk away is a grocery store, a chain restaurant, a bank, a theater, nightclub, a cafe, foot massage.

58:54Dude, this is like, it's crazy. Lots of restaurants. He can literally, it's a two-minute walk to a job. It's a two-minute walk to a put the fries in the bag job. and he's been okay with two weeks of not working. You could even do that, dude. Like, I was okay with the pregnant thing for a second, but literally, he's, a chicken place is just down the street, massive grocery stores, maybe a 10-minute bike. Dude, you're in the middle of everything. Yeah, no, he's a failure. That suggests and has proven he is a failure. He's not a failure. We're just, we're just f***ing up right now. Right now, he's not willing to provide for his f***ing family.

59:33He's disgusting. And if you don't do it by the time, you know, leading up to this, you should have been also doing that. So you're kind of disgusting too. I mean, you have no equity position in this house. This may be worth 80. 84, sorry. So if you sell it, you're still going to have to write a check. I bought it for 80. Well, you're going to foreclose it for nothing. How many months are you behind? Five.

59:59But, but I have a plan. Oh, she has a plan. She has a plan. Thank you, she has a plan. Oh, what would we ever do if she didn't have a plan? That's the most behind on a mortgage. Shut the fuck off. Shut the fuck off. We've never had someone that far behind on a mortgage. You're about to birth a child. I'm going to get it paid up. Yeah, your tax refund. Hopefully. That you're also taking care of everything else with? What's your refund supposed to be? Like$7 ,700. And you think you're a net contributor? You're so delusional. This is crazy. I don't know how that shit works. You don't know how anything works, so please don't tell me you actually did your deductions correctly on your taxes.

1:00:52I know that I did them correctly because I had somebody help me who does taxes. You had a CPA? No. I mean, technically. What is this woman? This woman? What the fuck do I do here? Technically, no. It's just somebody who used to work with a tax agency, and now he doesn't anymore, and he helped me.

1:01:24That's at a 7.5 % rate. That ain't great. When did you get this? When? Yes. January 2025.

1:01:36You need a drink? You got this in the middle of your... In the middle of my addiction. I thought you picked up in April. Mm-hmm. April 2025. No, did I say July? I said January. I meant January. Oh, maybe you did. I may have misheard. $77 ,249.02. Can I be honest right now? Well, I'm going to be regardless of what you say. Well, you do, but you already gave me that consent. And you can take it away whenever you want.

1:02:18You, what people are watching right now is what everyone fears their daughter to become. I was good at one point. No, you're 23. What is this good? I had$18 ,000 saved at one point. Up at 16, you've never been good. Yes, I have been good. I had 18 grand saved at one point, and I bought my first house at 22. You're over 120 days delinquent. I have no idea. Has the foreclosure process started? It's about to if I don't get it paid. You're just waiting for that check to hit. And you're doing a car and food and utilities with it. How are we paying for food right now? With my assistance That's usually not enough for the whole thing It's close to enough Sometimes we have to Spend whatever little cash you have You get$540 a month, I guess that is enough actually What the f*** Not really, because that's how much the government Calculates for me and my son Yeah Not for me, my son, my boyfriend, and his two kids He should be working!

1:03:22What? So it doesn't feed all of us You should not be with this man, he's a f***ing failure Oh my f***ing Are we really That's another indication. We're just in a bad spot right now. Bad spot. He's chosen not to have a job for months. Bad spot. We've been door dashing. No. Oh, my gosh. I'm not going to go down that road again. You actual. You actual. Shut the f*** up. No. No, we have been working. He has a car. It broke down the other day. Just yesterday. Just yesterday. So you can't tell me that. You cannot tell me that. His car was working until yesterday. Yeah. Your excuses. That's all you've done your entire life is make excuses, and other people have bailed you out.

1:04:01You're disgusting, and so is he. He's even more pathetic. What's your normal mortgage payment? What the f*** are we doing? $809. And also, the entire team is questioning how convenient it is that his car broke down yesterday, and none of us even knew about it today. It literally broke down yesterday. He went to sell it. The dude drove down. You are not a trustworthy person. And it broke down. You are not a trustworthy person. What's wrong with it? Because he's a car flipper, I'm being told, so he knows how to fix cars. What's wrong with it? I don't know what's wrong with it. I'm not the flipper.

1:04:32He didn't tell you? You guys don't communicate? What the f*** is wrong with you? Oh, what if he... Do I have his finances? No. So you guys budget independently? Mm-hmm. So the food stamps for you and your kid is enough? No, because it has to feed all of us. Do you budget independently or not? Woman! I guess the answer would be no, then. Aren't this shows going to make me go f***ing bald? When it comes to things involving the two of us, we are...

1:05:02Calm down. $804. $809. That is a mortgage payment that most people would come to. I just did. This is insane. And yet... Oh, it's been... Oh,

1:05:19it's been... It's been since September. You haven't paid since September. Remember, I'm surprised this hasn't completed its foreclosure yet. You honestly are lucky. And I have no... What I do is if I really need to get it out, I'll write it down. You're not fully paying it off with a tax refund? Yeah, it's like$4 ,000. I can afford to pay it all off. If you're getting$5 ,000 and you have to fix the car and you have to fix the other thing, but also food. Math isn't mapping, man. Oh yeah, because I'm like 2 ,000 behind on my utilities.

1:05:58All of them combined.

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1:06:42Ladies and gents, you get money. I get money. Enjoy. Links are in the description below. Guys, just real quick, don't forget to take your Hammer financial score at calebhammer.com. See where you stand, where you gotta do better, where you're doing shit. Listen, it just takes a few minutes and it is free. Figure out where you stand in the world of money. calebhammer.com. Yes. $4 ,000,$6 ,000,$7 ,000. And that's if you even get the right refund back. What, did you TurboTax? Uh, I used Tax Act. Well, I don't know anything about that because I was going to say, if you did that you would have got your money early anyway.

1:07:12So who even knows how accurate that is? I'll be getting it I live in like a couple days and I'll be able to pay everything that I can. Everything that you can. That's what I'm saying. I'll be able to get my mortgage and utilities paid up. No, no, no. Not fixing the car at the same time. I need to fix my car. So is he, answer truthfully, going to walk down the street and put the fries in the bag? Yeah, he's getting to that point. Getting to that point? A father of two with a third on the way isn't at that point already? pathetic, coward, piece of shit, scumbag. Failure. I guess we're all entitled to our opinions, even if they're wrong.

1:07:52How is that even an opinion? We're all witnessing it right now. Chat, whose opinion's correct?

1:08:03That's f***ing insane. I've never seen a mortgage behind that much. You know why? Because no one gets behind that much without foreclosure already being done. You're lucky. If you do catch up, and if you do, it's going to be just barely. But if you do, it's going to be the luckiest thing anyone's ever been through. The fact that you did not get it to this point. Foreclosed on. You will have been the luckiest, almost the luckiest person in this world. I also have my parents that are willing to help me. Why haven't they? It's been September. They have. And honestly, they have. You disgust me. They shouldn't.

1:08:38I should be in there. So he's not willing to work, but your parents will step in. Disgusting, pathetic, embarrassing. Embarrassing. I'm embarrassed. How much are they helping? What are they doing? Um, well. Because they're even willing to do an addict. Before I knew I was getting my taxes, they offered to help me pay up my mortgage. So, I don't know. And I probably, unfortunately, would too, but they shouldn't. They'll probably help me with that first, and then I'll pay them back with my taxes because I don't want to get foreclosed on first. I know they're not going to do it because of the grandkids, but you need to f***ing learn your lesson.

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1:10:17The world thought you should get a house while you were all perked up. I was going through a manic episode. Yeah, well, how long was that episode? You don't just get a house, just get a mortgage. Go through the entire underwriting process in a manic episode. Oh, no. No, I mean, once I, I was in my manic episode once it's when it started and then I kind of just felt like I couldn't back out. Okay, you just had to pay some money. And I was supposed to be getting help. I was supposed to be rooming with one, two, three other people. So I wasn't going to be paying it all on my own. And then they all backed out.

1:10:51Yeah, you have to get them under contract, dude. Well, credit one, no one's surprised. The worst credit card of all the credit cards. I'll let you use the mine card. It used to be the Fizz card. It's the mine card, debit card that builds credit. You can use that. That doesn't let you spend more than what's in your checking account. And also get you and your failure of a piece of shit boyfriend course career certifications each so you can go get real jobs. People in the audience have used them to increase their revenue 10 times. He's not a failure in a piece of shit. Shut the f*** up. Let's see it by seeing him get a course career certification in the trades and going and making some money for his kids then.

1:11:24Yeah, your lack of response is drawing a lot of confidence. Oh, good, we're late on this as well, but I don't think anyone's surprised. You should be late on this. If you're not paying utilities or mortgage, Yeah, I would be late on this. You're over the limit by$178.10. You owe$478.10. I'm pretty sure that was all like cash advances for drugs. Why not? I'm pretty sure that's what that card was. Does it show what I took it out for? Fees up the dick. No. 28 % interest. Horrendous. Because you can't take any more out anyway by the time this statement came around. So I can't see what you're doing, what you did previous.

1:12:02Yeah, I'm pretty sure it was all cash advances. It's going to take 15 months to pay off, and it's going to take even hundreds of dollars or more. It's absolutely horrendous with fees and interest, and you're late, and it's just stupid. $60 normally monthly, but of course you're behind. No, I think$69 actually on a monthly basis. This is pathetic. It's the mother of children. I'm going to be okay. It's going to work itself out. That's unfortunately not how it works. People become homeless every single day in this country. that is just not how the world works it really doesn't really doesn't yeah but I have good luck I doubt it no you haven't actually I would say your entire life spends bad luck knocked up endlessly purple hair I have two kids I'm not knocked up endlessly plus other examples and bad addictions bad luck the world's just gonna work out I bet that's what the hominay thought didn't happen less than five hours that dude talk shit for decades.

1:13:03I don't know what you're talking about. I know you don't. But you talk shit for years, and you think this is going to work out? It is going to work out. Is that how the real world works? It is going to work out. I know it is. Okay, great. Wonderful. That's wonderful. Quicksilver. Oh, fuck. What are we doing? This is insane. How the fuck do you... Why would they give you this much balance? $5 ,875.67. I think I lied about my income. Oh, I'm sure you did because you're just a really good person. That definitely always tells the truth about everything. Reliable narrator. It's a credit card. It's a credit card and now you're f***ed.

1:13:41I used to be really, really good with credit cards. Why do I care if you used to be really good? I wouldn't be criticizing you right now if you used to be really bad, but you're good right now. Well, because I just lost all my good habits. Yeah, shut the f*** up. I don't care what you've done previously. If you've been good back then, you're bad. Now I'm criticizing you now. If you were bad back then and you're good now, I'm not criticizing you for being bad back then. You're bad now. Shut the f*** up. And you've always been bad. Shut the f*** up. Come on. I have not always been bad. Bro, pregnant at 16.

1:14:08What are we doing? Shut the f*** up. What 19-year-old do you know that had a f*** up? Because I didn't know any other ones. So at least charged off and closed. Thank f***. Okay. Well, charged off. So I guess that she's in collections. We'll see. Might be able to negotiate something, but that's going to f*** you for a long time. You have a plan on moving? No. Okay, then I guess we don't care about our credit that much or not. Oh, my f***. Debt to family and friends. This is immense. Mother? Mother? Okay, to mom, you owe$2 ,370. Already, before you even borrowed from mortgage. For what the f***?

1:14:49And for when the f***? Lots of things. A lot of it was Christmas presents. You're borrowing for Christmas presents when we can't afford a mortgage? You were three behind a month. You were three months behind on your mortgage by the time Christmas came around. Yeah, I didn't want to not give my baby a Christmas. Christmas over a roof over their head. That's wonderful. Well, because I thought that when I did the mortgage deferment program that it was going to be put to the end of my term, and then I found out that it— Some of them probably were, and then you were still way too many months behind, and they wouldn't just allow that forever.

1:15:22When the three months was up, they said, we want the whole amount right now. And I didn't have that. And then I also didn't have it the month after or the month after. You won't have it now. I will have it now. I'm getting my taxes. I hope it's the number. And I hope it's sooner than foreclosure. And I hope that it doesn't have to go to other things, even though you're behind on literally everything. So you borrowed$2 ,370 for Christmas? Not all of it. Okay. One, you're going to call her in the post show. and two for me this is insane what was the other part for? I don't remember I think it was luckily Lindsay remembers you borrowed money to get a jumping spider that you had to have a jumping spider?

1:16:05like an actual spider? I keep jumping spiders huh? I keep them as pets which is more important than a mortgage and utilities and food and oh my goodness how much is a jumping spider? that you had to borrow money for? Like$70. What the f***? A jumping spider is$70. What the f*** is wrong with you? Like shipping and everything. What is wrong with you? You're shipping spiders here? What the f*** is wrong with you? What is wrong with you? You borrowed for that? Oh, it still hasn't even arrived yet. Oh my f***. What are we doing? No, it's been too cold. Huh? It's been too cold in Ohio. Oh, yeah, yeah, yeah, yeah, yeah, yeah.

1:16:37I used to have like 15 and I sold them all. So to be very clear, you're borrowing money for a jumping spider while you're not paying your mortgage right now. When did you do this? Uh, probably September, October. Tomorrow morning is knocking. Stock your fridge now. How about a creamy mocha frappuccino drink? Or a sweet vanilla? Smooth caramel, maybe. Or a white chocolate mocha. Whichever you choose, delicious coffee awaits. Find Starbucks frappuccino drinks wherever you buy your groceries. It hasn't been able to ship. So as you were being late on your mortgage, because you started being late. The last one you made on time was August.

1:17:14Can you get me a jumping spider? Huh? I said, Mommy, will you get me this jumping spider? It's the last one. And you said, yes. Let me make sure you're homeless, child. And I said, I will pay back when I can. She said, sure. Oh, you were talking to Mommy, not your kid talking to you. That's even worse. Oh, I thought you were mimicking your kid and asking for one. But it's, in fact, you who is the child. Yes. It was me who was asking my Mommy. Oh, we are going to call her. Okay, Dad,$2 ,000 for what? What? Um, getting me caught up on my mortgage previously. When? When were you behind already? Earlier this year.

1:17:55What? Earlier or earlier of 2025. Girl, you got the house in January. Yeah, I wasn't that far behind. I was like two months. Did they know you were getting the house? Did they not talk you out of it? Um, there was no talking me out of it. Oh, for fuck's sake. Then why are they enabling you? Why the fuck are they enabling you? Because they know that they're going to get it back. No. Objectively, no. Oh, shit. I actually hate the idea of it because I know it's been weaponized and used by, like, snark communities on YouTube and stuff like that. Maybe CPS should get involved here. I hate to say that.

1:18:36That actually does kind of make me feel sick. My kid has a roof over his head and food on the table and the heat is on and the water is running. What? She just said she owed hundreds to utilities. She's six months behind on mortgage. And she said food stamps, of which is the only money coming in, doesn't pay enough for food. After rehab, I couldn't work. I was pregnant and I was rehabbing. Okay, you're vaping and smoking weed while pregnant. I think CPS could get involved. No, they can't get involved with an unborn baby. And how much is owed to utilities again? You said a couple hundred bucks, right?

1:19:10No, I said two grand. Oh, no. Oh, no. Oh, no. The money your mom gave you, she borrowed from her own stocks. Yeah. Oh, you disgust me. You disgust me. I haven't been this disgusted in an episode of Financial Audit in so long. In fact, last week, instead of paying your mortgage, you went and bought a brand new video game.

1:19:36Yeah, I took some money out of my mortgage to buy the video game. That's all the money that's in my account right now.

1:19:46My mortgage is$809. I'm pretty sure I have$740.

1:19:55And to your brother, you owe$1 ,100. For what? A pathetic worm. Because when I was buying the house, I was spending too much money on drugs. And he was kind of making up for it. Funding your drugs? In a way. Well, no. I was paying for my drugs and then he was kind of helping me recoup. Exactly. So he was paying for your drugs. It mathematically works like that, by the way. Technically. Okay. And your sister, 350, who we're also calling in the post show. Lots of phone calls. Get ready. It's going to be a great post show. It's going to be an insane one. I'm going to f***ing die.

1:20:33What do you owe her$350? Huh? Um, I don't quite remember. Why not? Do you have minimum payments with all these? No idea. I haven't made a payment on them in a long time. But they're so confident that you're going to do it. You f***ing disgust me. Oh my gosh. For my family, I have plans on paying them in big chunks.

1:21:03non-biological father of the child, you owe$7 ,000 to? Yes, because he co-signed on my car, and when I couldn't make the payments, the broken car. when I couldn't make the payments, it was affecting his credit. So his aunt paid it off. And now I just have to pay them back for the next three years. Do you have a minimum for that? I mean, I plan on giving them. What was agreed on? What was agreed on? I'm going to... What was agreed on? I'm claiming... What was agreed on? Not what you're doing. What was agreed on? Okay. $2 ,000 at tax time for the next three years. Wait, wait, wait. Not this year.

1:21:44Next year, the year after that, the year after that. I'm giving him the tax credit.

1:21:59That's how I'm going to get it paid off Shut the f*** up It's two grand and I'm going to f*** off for the next three years Shut the f*** up You're going to be in the same situation next year and now all of a sudden your tax money won't be able to go to it My tax money, in fact won't be able to go to it

1:22:20Sam's Club Synchrony.

1:22:25What's going on with this card? I mean, that one's been closed for a while. Thank you. Oh, yeah, we were past due about$1 ,000 trillion billion. F***ing kill me now. Yeah, I can't even tell you an idea. I've just spent everything. $3 ,561.37. Never give her a credit card again. Never let her have anything ever again. Everyone take everything away and stop enabling her, please. Oh, it's disgusting. in late 12 years. F***ed in every way whatsoever. It's horrible at a 27 or 30 % rate, depending. Yeah, because you were doing cash advances. Of course you were. On this card. Lay fees every single month last year.

1:23:02On the synchrony. Huh? Yeah, I was taking out cash advances on whatever card I could. Yeah. Yeah, uh-huh. Yes, you were. I know. Because when I learned you can buy drugs with credit cards, I did it. Huh? So when I learned, because when I learned you can buy drugs with credit cards. What was cash advances? You can. There's a little loophole there. But the cash advances. So I took advantage of that. By the way, you are still an addict. Mm-hmm. I'm a recovering addict. You're not recovering. You're still addicted to f***ing nicotine. I mean, would an addict be able to go? I don't think an addict can go 24 hours.

1:23:40You just specifically told me you can't stop smoking weed or else you're going to relapse on other things. I don't think an addict can go 24 hours plus 48 hours. You wouldn't relapse on everything else if you stopped doing that, though. You're afraid of stopping that because you're afraid of relapsing on everything. You're an addict. Yes, I'm afraid that that might happen. You're certainly addicted to nicotine. Yes, definitely. In THC, you absolutely are. Come on. Ally Financial says it's in good standing. What is this? Ally Financial? That's my car. That's how she paid it off. Ally Auto? What?

1:24:13What does it say? Ally Financial! Okay, what's the balance? $3 ,950. Yeah. Oh, this is the one they just paid off. Did they just pay this off? Yeah. You don't even know. Whatever, I'll cross it out and hope. Okay, Chime$0. Chime is great. I love Chime. $350. Free$350 using my link. Open that direct deposit. Okay. Oh, our... Yeah, checking account started with negative$3.50 and it was negative$46.39. It's just wonderful. And it's, yeah, money coming in from everywhere. Okay. Okay. Okay. Okay. I'm disgusted. You disgust me. You're a bad person. I'm not a bad person. You're objectively a bad person.

1:25:09I'm not a bad person. Objectively. This isn't, this isn't. That doesn't make me a bad person. Yes, it does, actually. It really does. When you have a child with a roof that might go way over her head, or his head, and you have another one coming on the way, you're an objective bad person when you choose video game. And then bullshit, McDonald's, going against the bullshit, door dashing, subscription, subscription, bullshit, bullshit, bullshit, Taco Bell, bullshit. Potentially groceries there, but probably not because you use food stamps a lot, but maybe. What's Zizica Holdings? Z-I-Z-K-A Holdings $12.50 I have no idea It's all bullshit and she's crying that she can't pay her mortgage You're a bad person Bad I'm not a bad person Bullshit Yes, objectively right here Bullshit Going and getting some bullshit I Amazon, shut the fuck up right now You shut the fuck up You are pathetic You shut the fuck up No, I'm not Never speak in my studio again You disgust me Legitimately you disgust me as a mother.

1:26:14What is wrong with you? What is wrong with you? You're a pathetic waste of space. McDonald's, Amazon, Taco Bell, smoke shop, subscription, subscription, going in and getting some bullshit, going in and getting some bullshit, going in and getting some chips or something from the gas station, two bucks. You Amazon, Amazon, door dashing, smoke shop, Amazon, Taco Bell, getting bullshit, bullshit, McDonald's bullshit, I went in and getting some f***ing snacks. Bullshit. This is so f***ing ridiculous. Door dashing again. Wendy's. Bullshit. Lots of Zell's back and forth. You disgust me. Open up your phone right now.

1:26:49Right now. Yeah, open up your phone. Okay. Give me two seconds. Pathetic. What do you want? Give.

1:27:02Rude. It's because you upset me. You have children. This is disgusting. This is actually heinously disgusting.

1:27:13It's checking again with$100 and it started with zero. It's all bullshit, Ken. Great. She's getting Hydro Boost. How absolutely necessity for life when we can't pay our fucking - That's my sister's Amazon. Are you looking at Amazon? That's my sister's. Why do you have it? You have Amazon spending on here. Let me log into our Amazon. Smoke shop. Bullshit. Dunkin'. Tobacco vape. Bullshit. Bullshit. Cash App Spotify Dairy Queen Bullshit Longhorn Steakhouse Starbucks Bullshit Bullshit Dairy Queen Dairy Queen DoorDash Smoke Shop Ha ha Can't afford her mortgage Has a child with another one out of the way Ha ha Smoke Shop when she's pregnant Ha ha Bullshit DoorDash Diaper Shop That actually might be valid The first thing AutoZone Maybe the same thing Ha Bullshit And selling out money to save it Have you logged in or what?

1:28:07No.

1:28:10Why? Because I'm trying. Trying? You can't log in? You don't know how to log in? You've never logged in on your life? The f*** is wrong with you? It's his Amazon. This is bullshit. It's 20 % of your spending. Unknown shopping, 22%. BS food, almost 8%. What a pathetic joke. Joke!

1:28:33I don't know why it's not letting me. Oh, you don't? You don't f***ing know? I'm trying. You don't know? I'm trying. $809, monthly payment,$69. It would be more, but you're letting everything f***ing go away. Oh, yeah, yeah, yeah, yeah, yeah, yeah, yeah, yeah, yeah, yeah, yeah. I think I got it. Utilities on a monthly basis, how much is that shit? Huh? Huh? Huh? Huh? I don't know. The$2 ,000, how many months has it been since you made a payment? Five. Same amount as my mortgage. We'll call utilities. $400 a month. Phone bill. How much? I don't know. I don't pay it. He pays it. Oh, for fuck's sake.

1:29:11Do helium if you need to. It's great at$15 a month. $15 a month. And that gets you the same service as T-Mobile. Same towers. I'm pretty sure it's like$8. It's wraps. It's creams. It's bullshit. That's my postpartum stuff. Some kid stuff. Some kid stuff. Okay. Adult. It's my postpartum stuff. Okay, that's fine. Chords. Headphones. We really need those computer pads. Men's Jace. Yeah, he's a pussy. Not only is he a pussy, but he's a. He's a little gay boy. Men's G-string thong underwear. Men's G. First of all, why is it insulting to be gay? Why can't a straight man wear a G-string? Why are you homophobic?

1:29:54I'm not homophobic. I like girls too. Why are you afraid of him being gay? Yeah, zoom in on that, editor. Oh, hey. Oh, yeah, lady. Men's G-string thong. And a straight man can't wear a G-string? No. Because his woman thinks it's hot? What is wrong with you, you freak gaming mouse? This is all bullshit. So much bullshit. Well, you almost got a... Oh, there he goes. He got a nice little cock massager. And you got a vagina massager. Wedding band? Oh, for fuck's sake. Oh my gosh, he's getting so... Oh, he got a replacement sleeve for his... And, you know... Because you guys don't enough? No, it was for me to use on him.

1:30:46I use the machine. For funsies.

1:30:53Okay, you need at least... I'm going to round up because it's a weird, messy budget. $2 ,000 on your end is surviving on a monthly basis. Unfortunately, you need to do that. Who's watching the kid when you're both working? We just... No, if you work at the same time. We don't work at the same time. Fuck, you need to, though. Or he just needs to go grind his ass off now. Listen, bankruptcy might be in your future. Foreclosure might be in your... This is all... I'm sorry. This is so... The reality, there is actually just one solution. One real answer. He needs to go work. He needs to go work 60, 70 hours a week.

1:31:26And you need to work as much as you can when he's not. And you guys don't really see each other for a while. and we grind on this and we pay it off as much as possible and we do use our tax money, my tax money to pay off what we can and catch up on shit and you got to put these kids above all else. That's really the only answer. That's the only answer. And you guys just need to stop being pathetic because you guys are being pathetic. We're going to call the sister and I think mom in the post show, it's going to be, I'm pissed and I'm going to go crazy on them. I'm also going to look through the cowardice text between her and her boyfriend, and see what's going on there.

1:31:59See if I can see anything. So join us in the post. Let's get the Hammer Financial Score. Spending in a budget. Well, you make no money. So you're spending on bullshit. Zero out of ten. Debt collection. Zero out of ten. Emergency fund. Zero out of ten. Retirement. Zero out of ten. I didn't see that. Real estate. Well, you're behind. Basically, the lowest. It's two out of ten. At best. Which is how you're doing it because you're about to lose it. Hammer Financial Score. Round it up to 0.5 out of ten. Get yours at CalebHammer.com. Now join Hammer League for three free-man shows posted every single day, Monday through Friday.

1:32:29Best membership on YouTube Monday through Saturday, excuse me. Join us for this post show. You want to call your sister? Sure. I have an opinion and we are starting to collect an opinion of this group that the guy she's with is kind of a piece of shit and she shouldn't be with him. I have to say I do. And I mean, with a baby on the way, you think he'd be applying to anything he can, but... And this guy's the biggest I'm sorry. He can't take any sort of criticism? Hammer Elite is the best YouTube membership on the platform, and I just upgraded it. Three exclusive dedicated shows every single day, Monday through Friday.

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