I Exposed Her Hidden Affair On Financial Audit

17:08Caleb Hammer:Frequently? Not frequently, but every once in a while it does happen. Yeah. As long as you don't start yelling right away, I won't shut down. It's the yelling that makes me shut down. I don't yell. Sometimes you do. My voice is loud because I'm normally a loud person. I don't yell. Well, I know that yelling's a trigger for him because of his mommy. No, it wasn't that. No? No. Oh, wait. Is it one of your exes? Oh. Oh, sweet Al. What's happening? I just lived with her and... Did you get f***ed by some lesbians? No, no, no, no, no. It was quite... No, it wasn't even close to that. It was just mentally abusive, physically abusive.

17:56Physically? Robo 6. Going dark. Well, maybe if you had some common sense, maybe you wouldn't get mad. I'm serious. Like, literally, it's one of the biggest things about you that bothers me is that you don't have common sense. Okay, what? Please tell me. Give me some insight into Al's common sense and lack thereof. Well, he thinks that he knows everything. Do you? No, not all the time. Well, you portray that you do. I'll say something like, I think they closed at this time, and then you portray that as, I think I know everything. Yes, I do. That's it? Everyone always has the, I think they closed at this time.

18:34Oh, no, that's wrong. Everyone has that conversation. That's what happens. He thinks that since I've been out of the state for a while, that I don't, like, know. Like, he thinks he knows more than I do about the hours and stuff. Everyone said that to you. What hours? Like a store. Like the bookstore. Who gives a f***? Why? Because I like going to the bookstore.

18:55Caleb Hammer:Okay, and he got the hour wrong, so correct him. Well, it's going to ruin my day. What? What? It ruins my day if I don't get to go to the bookstore or to like Walmart. And like, there's some - Look up the hours. I do. But he tells me that, oh, I think it's this. And he got it wrong. Who cares? Who cares? It bothers me. What? Okay. Well, that's his lack of common sense. That's what we're going crazy about. And then your dad on top of that also is like, oh, the rental car is going to be a thousand dollars to go on the trip to pick up my sister. and I'm over here talking to my boss and she's like, oh, no, it'd just be this amount.

19:34And then I actually look it up and it's, I think, like$150,$160. Okay, I didn't understand anything about the car rental. Okay, but that was your answer. Why did that matter? My dad said that. Because he's part of you. He didn't know that he doesn't rent cars. He just gave us his educated what he thought we used to do because it used to go by miles. I'm confused. Al thought the relationship was going well. You're saying not.

19:56Caleb Hammer:Why is there a split in this? He doesn't give me what I want, what I need. What is it? You got to give some examples. So far, it's just the bookstore hours. Well, it's that also, like, I'm a very, you know, spicy person in the bedroom. Did I read you wrong? Did I read it wrong? Okay, what? So he's not giving you the spice? No, none of the spice. Oh, I'll ask. Okay, what? Well, he's recently read one of the books that I like that's a spicy book. Yep, classic. Like every woman reads the books and then. No, this one doesn't have that in it. Well, maybe. Of course it does. And then they all get their hand brushed on the sidewalk and then they claim on TikTok.

20:35Caleb Hammer:I don't know. Crazy. You are wild. Continue. And he's read the book and stuff and I want to do that. But the thing is, he's very. Do what? The knife scene. What? The knife scene. Go on. He. So the MMC stabs the mattress and instructs the female main character to. The knife. Okay. And you want him to make you f*** the knife? Well, yes, but... Well, you're right. I might not do that with my girl either. And then there's some other stuff in the book, too, that I want to try. Like what? Blindfolding, mass talk, you know, things like that. Okay, well, that's more simple. Can you blindfold her? I can.

21:21You're too timid. You never let me try. You're too timid. You don't do that. You don't let me try. You just assume that I'm not going to do it right. So you just take that as your right. You don't do it right. You've never let me try. How would you know? Because it's your energy. Your energy that you put into it. It's all wrong. I don't like it. It just runs off the wrong way. He's just a chill dude. I've never tried. No. He's not a chill dude? He is a chill dude. I'm sorry. I should say that. I don't know. It's just. He's just chill out. His energy is not what I want. It's mostly me, I guess.

21:54it's just not what I want. Okay, so you're bored with the sex life. Okay, that happens. What else? What else? I do think that you spend way too much money on me all the time by getting me gifts and things. Why the f*** did you propose to this? Huh? Why'd you propose? Yeah. Because I do love her.

22:12Caleb Hammer:Why? I'm gonna be real with you. Your data is not the same as everyone else's. You've got your own unique mix of credit cards. This episode is brought to you by Google Chrome. You think you know a browser. But Gemini and Chrome, that's new. It can help you with practically anything on the web, like restoring a vintage motorcycle from a 50-page restoration block, or finally break down that long article you've had open for weeks. Gemini and Chrome is here for it. Ready to make anything online make sense? There's no place like Chrome. Check responses set up required, compatibility and availability varies 18+.

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23:43Caleb Hammer:You're just 30 seconds away from being debt-free with PDS Debt. Get your free assessment and find the best option for you right now at pdsdebt.com slash hammer. That is pdsdebt.com slash hammer, pdsdebt.com slash hammer. Before we keep going, a quick word from today's sponsor, Chime. Look, most people are getting absolutely cooked by their money in ways they don't even notice. Your savings earns basically nothing, your card rewards are crap, and then overdraft fees come in and finish the job. it is dumb. And that is why Chime is interesting to me. It's America's number one choice for banking and their high yield savings account earns 3.75 % APY.

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24:54Caleb Hammer:Up to a$350 bonus with a new Chime checking account exclusively through my link, Chime.com slash Caleb. It'll be at the top of the link in the description box, or you can scan the QR code on screen. Make sure you go through my link for the bonus. If you somehow mess this up with a link and a giant QR code directly in front of you, I genuinely cannot save you. All right, back to the financial chaos. I don't have an answer for that. I wouldn't either. I just know. I knew she was the one. Okay, so you got cheated on your last relationship, right? Yeah. Okay. Has there ever been infidelity in this relationship?

25:33Caleb Hammer:Yeah. It happens all the time. Okay, this show with that. Fidelity's currency. Who'd you get with? It was me. She cheated on me. What the fuck? So you got cheated on, and now you're cheating on Al. Sweet Al. Perfect Al. Yeah. I knew you could do no wrong. I knew it. Yeah, and she still won't block him. What? He's a friend, okay? You threw the friendship down the drain when you cheated on me with him. I would say so.

26:04Okay, well...

26:04Caleb Hammer:Sweetheart, you could do no wrong. You're a perfect butterfly. What the f*** happened? And you changed the code on your phone, so now I can't even see if you're still texting. What the f***? Yeah, I did that for a reason. He went through my phone. Sorry, I got excited. What happened? He went through my phone. Well, yeah, because you cheated on him because you're a f***er. Well, yeah, and I didn't like that. He actually took my phone when... You didn't like that you cheated on him? No, I didn't like the fact that he went through my phone. I have security issues. When I was a kid, no, like, listen, no, listen, okay.

26:38I have, when I was from the age of about 13 to 14, no, not 13, maybe like eight. From the age of eight to 13, 14, I was in a house with my stepdad and he had cameras everywhere in the house. Okay, so I'm going to go cheat on my fiance? That's not how that stemmed up, but. Well, clearly it did. When did you do this? Oh, gosh. I don't even know. He caught me about, I want to say. Caught you twice. Yeah. I think three times, actually. It was twice. Why are you with her? She cheated on you three times. No, just twice. I don't know where the third time's coming from. I thought you caught me like three times.

27:22Caleb Hammer:Maybe the third time's ongoing. Who the f*** knows? So when? When was the first caught? I want to say about a month after he proposed to me. Yeah, probably. After the prison! He caught me. How long were you doing it? Oh, gosh. Probably since April, since that's what he says is in a relationship still. No. No? So he's in a relationship with someone else? Yeah. Well, okay, so he was in a relationship with... Well, personally, I don't really give a fuck about his relationship. When did you start? When I started trying to leave him. because I wanted to leave him and stuff. When was that? You're not really giving dates.

28:05Caleb Hammer:You're giving events in your lives, but not really giving me a timeline. Because I don't really know dates, like numbers. It doesn't have to be exact. Month. I want to say maybe March. When did you guys get engaged? May. I think that's what I said. But you wanted to leave him in March? Yes. Why did you want to leave him? He was constantly on the game all the time. He would not talk. Tell him what he was playing. I was playing GTA 5M, the role play. Fuck yeah. Yeah, it was awesome. Yeah, and you woke me up in the middle of the night saying, put your hands up like a police officer. Hey, you wanted to spice it up.

28:41To the game. He was doing that to the game. And at that time, I wasn't reading any spicy romance books. But yeah, he was doing that. He would not go to work. That was a big issue. Yeah. You just weren't going to work, Al? No, I had my ride issues. Sometimes. Huh? They're getting to work, you mean? Yeah. Not the rides at work. Yeah, no, the rides to get to work. Okay, I mean, we could Uber, but I get it. He, um, it was back in, like, during that time, he was calling in a lot. Who? My ride to work. Oh. And he always call in, like, last minute.

29:15Caleb Hammer:Okay, how often was he leaving work or not going to work? Eh, pretty often, but he got better at it now. Everything's, like, I've been going to work every day now on time. No, it was probably because of the new point system at work, so. Well, that too, but I did threaten him. Okay, so you started getting with him before the engagement. What were you doing? Discord. I was on Discord chatting with him. That's how I reconnected with him because he was in a server. Reconnected? Yeah, he's a previous ex right after my ex-fiance. Wait, so that person, oh, I have a note here. That person is the ex-boyfriend of your ex's fiance's new girlfriend?

30:02Yeah. What the f*** is happening?

30:04Caleb Hammer:What the f*** is happening? It was weird. How do you feel in this town? It's not Austin. It's Houston, around that area. I knew it wasn't Austin, but I didn't know it was Houston. I thought it was just where you guys live. No, no. This was when I was in Texas. Oh, shit, I'm being told. I guess your text messages that he found are at the bottom of the stack. W Producers chat. W Producers, let them know. What an amazing show I have created. You're in Amberly. Like I said, every single one of you guys, Calebhammer.com slash apply, are from the audience. Can you confirm that this show is real? Yes.

30:38Caleb Hammer:You're in it. You're on it. You're just normal ass people. And you like this show. Everyone that comes on is fans of the show. It's a crazy thing. So many people think that it's like we're staging something. Are we staging something? No. Are you guys paid actors? Actually, his dad said that you guys were staging it. See? That's the whole thing. We couldn't make up the shit that comes on this show. It blows our mind. Okay. Yeah, okay. So here's the messages. This is what you stumbled across? Don't show them too much. Oh. No, don't show them too much. No. Oh, God. Wait, I thought my sweet Al saw these.

31:10I saw some of them. He saw, like, the previous messages. Previous messages? Yeah. There's also Snapchat. yeah I did block him on Snapchat because he came into the room and was like do you actually love me and I said yes and then he's like then block him

31:25Caleb Hammer:okay okay okay who's okay are you goth witch I am you say nine my love nine kids oh god what he's gonna read it out what is that talking about how many kids he wants who wants him this guy yeah he said nine my love nine kids you said yes I know it's nine kids He said, you don't think that's a lot? You say, I was thinking whatever God gives us. Oh, yeah. So you're religious, but cheating on your fiance. Interesting. Actually, I'm spiritual. I'm more pagan. When he says God, it means like God. He said, oh, gotcha. I love you so much. He's saying that to her. Yeah, I know. My perfect innocent Al.

32:10I'm so sorry.

32:11Caleb Hammer:And you say, I love you too. You said I love you too. You said I love you too. Yeah, and honestly, to be honest, I don't want to be in that relationship either right now. Huh? I don't want to be in that anymore. Anymore? Yeah. I've kind of distanced myself away from him. I would hope so. But not because of this. Not because of that. What? Huh? Okay, pause. That's crazy. I don't know what the you're saying, but let me get through this. then I will get back to that because what the fuck was that? I don't know. Wait, is both y 'all's finances combined? We don't combine our finances. We don't combine them.

32:51Caleb Hammer:Whose is this? I don't know. That is both of ours, but we don't combine them all together. I guess you guys aren't married yet. I think, well, I might have to do them separately by the end of this anyway. Okay, you said I love him too. Then you also said also breeding kink works out for me.

33:13By the way This was two months ago Sounds about right That's when you caught? Is that the message you caught? He didn't catch me on Discord He caught me on Snapchat I caught you on Discord too You caught me at that time on Discord? No that was He did catch me on Discord But it's not that time

33:34Caleb Hammer:Okay He said, I didn't know you had a breeding kink. Yeah. Which, by the way, like every woman has a breeding kink. This isn't even unique. There's not a single woman I've been with that doesn't have a breeding kink. Everyone's like, come in me. I'm not on birth control. And I'm like, okay. You what? No, I'm kidding. I don't use, well, we don't use protection, no, either. You too? No. Are you on birth control? No. Does he come in you? No. Oh. We used to pull out gang. pull out method. That's a lot to pull out. Am I right, buddy? That's actually how I had my last miscarriage. The pull out method didn't work.

34:14So, yeah. That was fun.

34:18Caleb Hammer:Yeah, I don't really have sympathy for you after this. Okay, and then you said, pick that up after watching a few videos. Okay. He said, you're going to use that to your advantage, aren't you? Also, I had that kink before you and I got together the first time. Okay. And you said, yes, absolutely. He said, I'm so down. And you said, by the way, aren't you getting your tubes tied? Just have what? Oh, you're a goth witch. Okay, reverse some of those. So she said she's so down. She said she's so down with getting nutted in by this man. She said that. He said, by the way, aren't you getting your tube tides?

35:01Caleb Hammer:You said, oh, really now? He said, any reason to tie them. No, no, no, no. He said, you're not going to. That that's not going to happen. No, he said, by the way, you aren't going to get your two sides, by the way. Oh. All right. And you said, oh, really now? He said, any reason to tie them? He said, a life or death situation. He said, otherwise. You said, oh, ha, nope. He said, any and objections? And then you said, don't have any other reason but that one. and nope, no objections here, love. Kissy face. How's this making you feel right now, Al? Probably very awful. Yeah. And I want you to still block him.

35:43Caleb Hammer:Oh, yeah. But she said again, she's like, I don't know. She's interested in talking to this guy, but not for you, which is very confusing. But either way, he said good slut. And you said only for you, master. and he said I haven't heard that begging voice in a while oh god yeah I would send voice messages and you said cause he's been home all the time so has everyone else I'm sorry I didn't want to get caught you were terrible at hiding it anyway I was terrible at hiding it you didn't catch me for like This episode is brought to you by Google Chrome. You think you know a browser, but Gemini and Chrome, that's new.

36:32It can help you with practically anything on the web, like restoring a vintage motorcycle from a 50-page restoration block, or finally break down that long article you've had open for weeks. Gemini and Chrome is here for it. Ready to make anything online make sense? There's no place like Chrome. Check responses set up required, compatibility and availability varies 18+. Four months. I wouldn't say four months. Maybe about three. Well, no, you started slipping up a while. I already suspected it for a while. Well, that's because you're still... Why deal with this? No, no, no. That's because your sister actually caught me.

37:07No. The first time, and then she said something to you. It wasn't that time either. No, but she did catch me, though. Ah! Yes.

37:14Caleb Hammer:You said bathroom snippy time. You said the walls are so thin that he can hear everything. Or, no, the other person. He said, then don't moan. You said, how am I supposed to beg, Master, and mean it if I can't moan? And he said, video? Question mark, question mark. And you said, oh, I didn't think of that. So glad we got these screenshots. This is disgusting. He said, waits. And you said, not going to lie, I'm not the smartest. No shit. And he said, you're fine. I want a video, though. No, no, no. I'm kind of smart. I'm kind of smart. My GPA is like a 3.4. 3.8. It was 3.8. It went down to 3.4.

37:54Caleb Hammer:So I'm kind of smart. Yeah, but from the classroom down the hall where you hear, and you said, what, like tonight? I don't know about that, TBH. He said, yes. And you said, if I can't, I'll make it up to you. He said, how? You said, I might send a spicy pic tonight instead. Would that please you tonight, master? Well, you're with him. Two months into doing shit with this guy while you're with him. You're engaged at this point. Actually, no, I wasn't engaged. So it was a couple of days right before. Possibly. And he said, how spicy we talking? You said as spicy as you want with a bathroom mirror.

38:36Caleb Hammer:He said, what do you have? And did you order that toy? You said, I have not ordered the toy. And you know what? Let me surprise you. I'm sure you would love it. Why can't you just focus on him? Are you okay with an open relationship? No. Well, fuck me. No, no, no, no. Because open's fine if you guys choose that. Well, no, we were talking about it. Talking about it, but he said no. Talking about it, but he said no. He's the one who brought it up. I brought it up because I was trying to fix whatever was going on, but if you're going to block him, then it's a different story. She won't even. Ah, okay.

39:12Caleb Hammer:He said, yes, do you surprise me? What toy you get? Waits. And then you said, I don't have toys here in Tennessee. there in South Carolina, but I can't find the one that connects to the app. The person told you about it, so I'm going to look for it. He said show. You said show me what, love? Love. He said the toy, yeah, looking online. So that's where that ended. Yep. Open your phone. That's on Discord. Yeah, open your phone. I agree. Let me see what's happening today. Nothing on Discord. Nothing on Discord. Then where? Nothing, actually. Go to Facebook. Facebook? Yes. Messenger? Yes. Where are you talking to him now?

40:01Caleb Hammer:Because you said you want to stop, but you're not. Regular messages. Show me. Pull it up. Okay. Pull that up now. Whore. Okay. Do you have a regular message? Well, she has a ring on her ring finger. You're still texting him today? That was earlier. Oh, okay. That was like one message. Yes, earlier this morning. Yeah, okay. Well, Al, what do you think? I don't know. What does it say? Oh, what does it say? She said yesterday that she loves him. Block him. No, Al, it's done. Dude, what? You caught her cheating twice and she's still doing it. She's not. Block him. She's not stopping. No, I'm not going to just give up just like that.

40:49Oh, ow. I want to work this out. Okay. If you want to. We've got to bring in my assistant. We've got to bring in my assistant. Ladies and gentlemen, please welcome your favorite co-host of the Caleb Hammer Show and one of your favorite Hammer Elite personalities and the best membership on YouTube, Brandon. Oh, no. You told me. You lied to me.

41:16Oh, dude, he's been texting while we've been literally in here filming.

41:19Caleb Hammer:While we're in here filming. Oh, God. Dude. Talk some sense into this man. He just said, he just said, started screen recording, by the way. It's Android. I don't know how to. He just said, block him. Block him. Ow. Man to man. It's been going on for months now. You thought this was over, right? You thought this has ended? You thought they stopped communicating? Oh, what did I do? Al, do you want to marry a woman that cheats on you after your engagement and then tells you that it's done and continues to do it? This is quite literally one of the most disgusting things I've ever seen. This is egregious.

42:07Buddy, buddy, if she's doing it now, she's not going to stop. And she hasn't stopped. She told you she stopped. Today.

42:17Caleb Hammer:They're calling each other my love back and forth on Sunday. Honey. Was I doing Sunday? Does that work? Honey. Yeah. Yes. You told me you stopped. Yes. Why haven't you stopped? Because I don't... I don't know... I don't know. I'm sorry. How about you just block him? Well, because I told you he's my friend. He's not your friend. He... Good thing. He's apparently your boyfriend. Not to me. He's not really my boyfriend. You guys were saying you love each other. Yeah, but... I don't like that. So if he's not your boyfriend, then you have no problem blocking him on everything right now. Why did you delete the text previous to Saturday?

43:14Caleb Hammer:To hide them. No, no, no, no, no. He got a different number. Okay, bring up his previous then. Okay. You're not going to like the name. It's not about me. It's about Al. Sweet Al. Perfect Al. Al, we're 40 minutes in. I love you. You're a great guy. You can do so much better. This is insane, buddy. What name? That's the name of one of my sisters. What? She's hiding the contact under her sister's name. Yes. She's hiding his contact. Al, you think she's texting her sister, brother? You think she's texting her sister? That's him. Yeah, sure. Just go ahead and take a look.

43:53Her actual name under there is either Buttface or Weirdo. Oh, yeah. I would have known this was a... So you knew? You just didn't bring it up? He said he wouldn't have known. I wouldn't have known if I looked at it.

44:10So here.

44:13If he's not your boyfriend, you'll let Caleb block him on every single thing? No. Yes. Ow, ow. Listen to me. If she blocks him on one thing, she's just going to talk to him on another. Oh, no, no, she has him on all. Number and Facebook. But, buddy, that's the thing. He has a different number already. Like, that's the issue. He's going to keep getting different numbers. No, he didn't get that number because of me. Doesn't matter why he had it. It's a different number. And he'll keep finding other ways. you'll keep finding different ways to let them contact you.

44:44Caleb Hammer:Do you even care about your family? Because you're playing Russian roulette with their future. You're spending$5 a day on BS energy drinks and churros. That is two grand a year to put one foot in the grave. Although your family has zero protection if something happens to you. Make it make sense, bro. If you want to actually enjoy those sweet summer moments without sweating your family's future, you need Policy Genius. It's a free online marketplace where you can compare quotes from America's top insurers side by side. No guesswork. You can find 20-year policies starting at just$276 a year for a million dollars in coverage.

45:23Caleb Hammer:Your BS energy drink budget covers that five times over. Head to policygenius.com. This episode is brought to you by Google Chrome. You think you know a browser, but Gemini and Chrome, that's new. It can help you with practically anything on the web. like restoring a vintage motorcycle from a 50-page restoration block or finally break down that long article you've had open for weeks. Gemini and Chrome is here for it. Ready to make anything online make sense? There's no place like Chrome. Check responses set up required. Compatibility and availability varies 18+. Caleb right now to compare quotes from top companies and see how much you can save.

45:58Caleb Hammer:That is policygenius.com. Stop being a liability to your family and start being a provider. I already launched Liquid Assets, my official Gamers Hub's flavor, Raspberry Apple, and it's been selling like crazy. Here's the update. The free gift stacking promo from Christmas in July has officially sold out, but the flavor hasn't. Zero sugar, under one calorie, 100 servings a tub, same nootropic blend, same full vitamin stack, still just four scoops a day max. Code Caleb still gets you 10 % off your entire order. And there's still a shot. One out of every 10 that your tub comes with my face on it.

46:35All you need to do is head to gamersubs.gg slash Caleb or click the link in the description below. Why won't you stop? I don't know how. I've been wanting to stop. Like, actually stop. Like, with every relationship. How do you not know? All relationships? Yes. I want to stop. I don't, I don't, I want to be by myself. I actually want to live by myself. That's been the goal since the beginning of the year, actually. That has legit been my goal.

47:04Caleb Hammer:He was like, hey, your 360's off, by the way, so he has her location usually. And she was like, yeah, I got mad. Oh, you didn't know about that one. You didn't know about anything. What do you know about? You have a 360 circle with him? I do. Oh, my. And he asked, what are you mad about? I was like, okay, obviously she's ready to leave this guy and just stick to her man out. She said, just everything at this time. He went through my phone again. As in you. And I just changed everything on my phone and told him that I didn't like that. I still don't trust him. You don't trust him? You don't trust him?

47:37Him? Because he went through my personal belongings. Oh! First! You guys are saying, I love you. I love you. I love you. You're cheating on me.

47:50Caleb Hammer:Hey, love, I'm sorry it's been a minute. Happy...

47:56Caleb Hammer:Happy fourth month. Do you really care that he threatened? Like, what the fuck are we doing? You're just talking about how much he's seen, you guys. You're just... Yeah, there's a lot of text messages. Oh, my God. Hey, honey, she's calling him honey. He's calling you good little slut. Yes.

48:20Oh, dare I? Oh, I do dare. I do dare. Okay, thank goodness. There's nothing in here. Not on that one. It's on Discord.

48:31Caleb Hammer:Oh, just incredible. When's the last time you sent him a spicy?

48:40I don't remember. That I actually don't remember. I don't know. I think it was actually the last time on Snapchat.

48:49Caleb Hammer:When did you block him on Snap? When was that? That was a few months ago. Yeah. No, it was about a month ago on Snapchat. That's him. I recognize his name from anywhere. 43 minutes ago, we talked on Discord. I blocked him on Discord. I unblocked him on Discord. Got a new number. What's your new number? I actually had to figure out how to do it. Got her number again. They're literally talking on here today, too. Oh, my gosh. This was... Dude, this was just recently. He said, so I'm going to assume you're going to train me to do that? Oh, you were talking to him that you have a way, you like everything, and he doesn't do it right.

49:32Brother. See, I'm honest.

49:34Caleb Hammer:Dude, you're a crazy bitch. No, he's straight up coming to me. You're a disgusting creature. He came to me. But the cheating is dishonest. But no, he came to me and confronted me about it, and I was honest to him about it. Not honest as you're still doing it. But I told him right then and there, hey, yes, I've been doing this. when he confronted me. You thought this stopped after the interview?

50:02Caleb Hammer:Yeah, those are the images she sends to them. Sorry for the trauma. We're going to have to wash our... I'm sorry. Yeah. You get in there, buddy. I did warn you. Those are some titty pussy butt. Have you gotten those pictures? No. No. Okay, I'm going to send you out. I want to talk to Al alone. if you want to take him out, Lindsay. I'm going to stop this screen recording. Me or him? You. I want to talk to Al in here. Okay. I want you to get the fuck away from me. I'm pissed at you right now. With my dear Al. You. Okay. Not at all. Get the fuck out of my studio. I'll let you back in for a second.

50:47Caleb Hammer:Al, I'll be honest. This is financial audit. And in financial audit, the first half I do the get to know you. I get to figure out what the dynamic is. That way it helps me with the rest of the episode. And then I do the number audit part. What the am I auditing in this episode? There is, there's literally a 700 % interest payday loan at the top of this. I do need to get into this, but where is this headed? Al, you cannot stay with her.

51:14Caleb Hammer:She's currently cheating. She's cheating in the middle of this episode. She's never going to stop. What is it? Is it the fear of being alone? You're 22. You got time. I'd already lost her once. In high school? Yeah. Well, why? Okay. She's not that cute. What are you losing?

51:40What does she add to your life that you can't see yourself living without?

51:48She tells my anxiety. she's not well besides that

51:54Caleb Hammer:no that's big as someone that is you know I deal with some anxiety issues if you feel like she's the reason why you're not having to deal with it it's almost like she's your drug of choice and you're afraid of her not being there for your anxiety but you will find someone else you know that right you know she's using why does she want to be with you if she wants to be with this guy I'm confused on that but she doesn't want to be with him either yeah that's weird does she want to be with anyone? what the fuck is she doing?

52:28Caleb Hammer:buddy I just I don't I don't know you will find someone else does that scare you that you might not? man that's another thing that's always scared me so yeah yeah that is scary I get it so what's going through your head as you've learned everything that we've all been learning together in this episode but obviously the producers knew, and the fact that she just wanted to say it is crazy.

52:55Caleb Hammer:What's been going through your head? My sweet Al. My perfect innocent Al, who's never done any wrong in this world. A lot of thoughts. Walk us through them.

53:11Caleb Hammer:Open and honest, buddy. I'm going to have his number. You have his number? Well, I had his number at one point. Why? Because I decided the second time I would just figure a way to get a hold of him and tell him to back the hell off. And did you? I did. And? He hasn't. Yeah. But what happened in that confrontation? He threatened to call the cops on me, but that didn't really matter to me at all because the cops ain't going to do shit about the phone call. No, and you're Al. They would never do anything to you. We protect Al. I don't know. What was going through your head that she's still doing this now?

53:47Is it just the fear of losing her or are you angry? I'm kind of both right now. I get the fear of losing someone.

53:55Caleb Hammer:That's a legitimate fear. But there is a reality in the end that she's never going to stop. And the question you have to ask yourself is, are you okay with that? She's never going to stop. She might stop with this guy, but she's going to pick someone else up. I don't know. I've thought about her open relationship idea. You said you don't want that. But if there were ground rules. They're okay if you guys are down with it, but if one person's being forced into it, it doesn't work. If there were ground rules, I think I can handle it, but the ground rules would be really strict. But she can't even follow the ground rule of not cheating today.

54:27Caleb Hammer:So, like, you can't trust the open part. Open is built on trust, and there's no trust here. What are your ground rules? What would your ground rules be? Pretty much no physical. Yeah, I don't think she... Just emotional. It's open, buddy. Yeah. Yeah, that's... we just saw photos that you've never seen those are naked photos of her that she's sending to another man that you've never received yourself by the way you can do a lot better than those trust

55:02Caleb Hammer:I mean you don't want to live up to her insane weird kink shit blindfold that's fine normal the knife is kind of crazy I've never done that yeah yeah like Brandon we like you know I'm a little freaky yeah insane yeah it is you're never gonna do that which means she's always gonna try to look for something more cause she feels she's entitled to that for whatever reason you're engaged to this woman do you have a wedding set? yes when? November 2nd 2027 gonna oh at least it's next year

55:40Caleb Hammer:what do you want your life to look like with her? I wanted to go back to the way it was when we started. What did that look like? No. It was happier. And it wasn't the constant cheating. That's every relationship in the beginning, that buddy. And actually, they're still in the beginning. Yeah. I mean, you guys are in the beginning. It doesn't get better when this is the start. If this is the starting point, it's never going to get better. This just picks up. She's an addict. She's an addict. This episode is brought to you by Google Chrome. You think you know a browser, but Gemini and Chrome, that's new.

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56:49Caleb Hammer:Might have one criticism of you, my sweet perfect towel. I mean, yeah, the not showing up to work isn't very good. She did complain in the pre-interview a lot how you don't shower. I recommend showering. I mean, I do do that. More frequently? I do like maybe every two days. Let's try every day. Okay, well, usually I get too tired from work and I just come home and go right to sleep. than do it in the morning. Let's shower every day. You're outside all day, right? Yeah, I am. You're outside. It's hot. You're in Tennessee. Yeah. You gotta shower every night. Yeah, no. You know, the producers did invite this guy to come here to get his side, but he said he'd get violent with you, so we just didn't let him.

57:33Caleb Hammer:Why would he get violent with you? That's fucking crazy. I don't know. Wait, you know that other guy's homeless, right? I didn't know that. He's homeless? I did not know that either. Okay, I need to learn more from her. Can we get her back in? If we gave her a second to cool off, I want to see what she's thought about all this now. This is just insane, dude. How do I even do a financial audit here? Luckily, we love the Springer part, but I do need to do an audit in the end. What do I do? How's your debt? How's your finances? You okay? Not really. What about her? Eh. It can happen. Good. Good death.

58:19Caleb Hammer:When you call her cheating, you blamed yourself, but then you should. Okay. She's back. All right. You had time to cool off. I did. He just had the floor for a little bit. I'm going to let you have the floor. Tell her shit. You can tell him shit. I don't know. Because I'm just trying to figure out where the fuck to go from here.

58:43I just, I want to be happy. I haven't been happy in a long time. And I don't feel happy in this relationship. I don't feel happy in that relationship. I want to be by myself. I haven't had that chance ever. Who are you going to go, who are you going to go stay with? I have people in Arkansas, Texas, South Carolina, and some people in Tennessee. What do you mean? I've told you this continuously. Because I know about those people, but I know about those people. I even know that I could get a job at the hospital. I can get a job and my dream job at the hospital doing medical assisting work and actually get 20 an hour working overnights and get my own apartment for 500 a month and be by myself finally.

59:27Caleb Hammer:Wait, what are you saying right now? I'm saying that if it comes up where I need to be happy by myself, I have options to leave. I have an out.

59:43So what's going on with us? Yeah, are you... Kind of sounded like a breakup. No, it did. Yeah. I just didn't want to be the bad guy. Well, you GD'd, so...

1:00:01Caleb Hammer:Yeah. Wait, no, tell us what's happening. Wait.

1:00:11Caleb Hammer:Actually? Yeah.

1:00:15Caleb Hammer:Like, on the show, you're just fucking... I mean, we can talk about it on the plane because, of course, we have to fly back and stuff and I need time. But I don't think we should be engaged. I think we should just be a normal couple for the time being until we get everything back. Yeah, first step is blocking him. The homeless guy.

1:00:41Can you do that?

1:00:43Caleb Hammer:I don't know. Wait, do you want to be with him? You're ending the engagement now. Listen, I'm not telling you to break up. I think he should break up with you, actually. But the thing is... He won't do it. He's too soft. Okay, but what about you? I'm not telling you to break up. But what I am doing is I'm saying... Do your thing, whatever it is. Don't draw out. Be with him or don't. Make the choice. make the fucking choice. If you just broke the engagement, what the fuck is that? That's insane. I haven't seen that in real life in my life. That's crazy. Just don't play with this man. Sweet Al, perfect Al.

1:01:23Yeah, you giggle at that, but you're with him. You're stringing him along. Are you with him or not? I don't know. That is some level behavior. I don't know. What the f*** is that? I just think I need some time to think, and you need some time to think as well, if this is what you really want. Dude's not leaving you. He'll never leave you, which is a horrible mistake. He should leave you. The fact that you're the one considering breaking up, I don't understand.

1:01:59Caleb Hammer:Like, this is so confusing. I'm not happy. I haven't been. Yeah, no shit. So why are you stringing him along then? to get my affairs in order to make sure I have So you're using me for a place to live Oh, so you just confirmed you're breaking up with him but you're just waiting Um, no, not necessarily Girl, that's what you just said That's exactly what you just said Until you get your affairs in order That means until everything lines up how you see it lining up and then you leave I guess you could put it that way, but that's not how I see it But that's how you just said it How do you see it then?

1:02:33I want to make sure, like, he's okay with me leaving and I'm okay as well. I want it to be like a mutual breakup type thing. No, dude's never going to break up with you. It's not mutual. He loves you endlessly. You're cheating on him. I don't think I can love anyone, to be honest. Then let him go. For his sake. I don't... So you never loved me? No, I didn't say that I never loved you. So you can't love anyone. At this point right now. What? Why? Me. My emotions. My head.

1:03:09Caleb Hammer:Oh, we know what's f***ed up, but I mean, I would love you to tell us. Just. Okay, she's not saying it, but she's breaking up with you, and I am incredibly sorry. But this, I actually, I will say, I think that's kind of a win. You don't see it that way because you really love her, so it's so hard and it's tragic in your heart right now. this is so much better for the rest of your life. This is so much better for the rest of your life. You will have some time, some broken pieces to get yourself back together and get yourself back up on your feet and find someone that loves you, treats you with respect.

1:03:43Caleb Hammer:And you will. Just because you had a crush on her in college doesn't mean you should be putting up with this shit. High school. Yeah, yeah, high school. But you know what she just said, right? She just said she wants to leave you, but because you don't want to leave her, she's afraid of doing it. But she wants to now. I told you you just kept going to therapy. I don't like therapy. It wasn't working for me. It was working. No, it was not. You didn't see it, but you were starting to get better. I don't think I was getting better. I think I was actually getting worse. That's not what therapy does.

1:04:20Caleb Hammer:No, actually in therapy, sometimes it does get worse for a few months for it to get better. But that's just because you're finally letting go of all the bullshit coping mechanisms and avoiding actual truths. As long as you have a real therapist and not like an enablement therapist, which a lot of pussies on TikTok have. It was probably getting worse. Then it was probably getting better. Yeah, and the dreams that I've had about you? Well, the dreams, first off, the first dream was obviously because I caught you cheating and you thought I would just... Yeah, but you didn't have to claw my face off.

1:04:51It wasn't a dream.

1:04:52Caleb Hammer:Well, how are we punishing people for dreams? I wasn't punished. No one chooses. I'm not punishing him for it. I'm not punishing him for it. What the f***? What? He did not control your dream. I'm so confused right now. No. This is so f***ing. No, I'm not punishing him for that. I just bring it up because it... It was a dream. Yeah. It was a dream. It's make-belief. No, but that means something spiritually to me. Oh, my. Run. Run. Run for those East Tennessee hills. Run right up the Appalachians. They're more like mountains. Yes. Run. Run. She won't be able to catch you running up those mountains.

1:05:30I don't know about that. I go to the gym. He don't. So. I do go to the gym with my cousin. I do go with her. Credit One just called her. Oh my. Yeah, they've been constantly calling me. Oh no. No, that's okay. They've been calling me too. Oh my. Okay.

1:05:51Caleb Hammer:No, I don't see. They typed in their couples therapy question. No. Oh, you guys cannot be together. How do you not see that this is horrible for...

1:06:05What do you think, Al?

1:06:10Caleb Hammer:She just broke up with you without breaking up with you. She took off the engagement ring for sure. I can put it back on. Sorry. I don't want him to be hurt. That's my main goal is I don't want him hurt. And I know that I've already heard him. Yeah, that would have been a good start. good point Al W Al you just you told me when we got together you don't want the same thing to happen that happened to you when he cheated on you and then you go and cheat on me that was physical it doesn't matter physical and emotional same thing not what you said when we were having the agreement for an open relationship even though it was thrown out the door I said what would be the standpoint of what I could and couldn't do what you could and couldn't do and what did you tell me it would be no physical you said it would be purely just emotional Actually, not even most of them.

1:06:56Just flirting. And pussies. Yeah, you can't send nudes. Well, I didn't know that at that time. Now I know. Well, we won't open the relationship when you did it. Okay, that makes sense, but still. Well, yeah, you were just cheating.

1:07:08Caleb Hammer:Like, you're being a whore. Listen, this is the reality. I didn't know this, Al, but she told the producers. I did see earlier, this was, it was a little weird. I've never seen this because I don't really interact with the guests too much, but I like wave hi, right, before filming. You guys are separated. I didn't know why. I was like, why would she be brought back so quickly? But okay, you know, whatever. Producers know what they're doing. They're producers. I guess she laid out a game plan going forward. So this is what it is. This is exactly what Miss Stella laid out. So she told the producers that she wants to be single, just straight up, and that she wants to be with trans men.

1:07:51No. I said that if I was to get back into a relationship, that would be my number one.

1:07:56Caleb Hammer:If she were to get back into, meaning she's leaving this relationship. Okay. So she wants to be single and she wants to pursue a trans man. 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 going to force you to use it his way. That's not very personal finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end? Then there's the new guy on the block, Monarch.

1:08:31Caleb Hammer: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 DollarWise. 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, DollarWise.com, link in the description below. If you or your child spent years growing up on social media and experienced serious mental health struggles, you should hear this. Recently, a jury ordered Meta and YouTube to pay millions for their role in designing and promoting addictive platforms.

1:09:09Caleb Hammer:They knew their apps could contribute to anxiety, depression, and body image issues, but did not share those risks while prioritizing profits. The recent historic verdict underscores the consequences of those decisions. Now Morgan & Morgan is stepping up to hold these platforms accountable for the harm they caused. Click the link in my bio to take a short quiz. You may be entitled to a potential recovery of over$1 ,000. Yeah, my brain is making the same face as I'm reading that. There's a lot more, but yeah, initial thoughts. But I don't know if I'd actually do that or not, to be honest, because I don't know.

1:09:44I just feel like I need to be alone for quite a while.

1:09:47Caleb Hammer:Initial thoughts, Al? Initial thoughts? Trans man wants to be alone. Go. That makes no sense. Yeah, true. Well, she has two plans, I guess. Plan A. Preferred plan, apparently. Return to Tennessee temporarily and save after filming this episode. She says, Stella, would prefer to fly back to Tennessee continue working and aggressively save money so that she can move the right way rather than making an impulsive move. She says that she specifically wants to avoid emotionally throwing herself back into a difficult living situation before she's financially ready. I ride you out until she can get the f*** out.

1:10:37Caleb Hammer:Use you. Okay. You got to admit though that household is very not it. It works for you. That's the reason that your dad's girlfriend left. And that's the reason why one of your sister's boyfriends that was living in there. Yeah. Cope over cheating, whore. Plan B, stay with her adoptive family in Texas. So this is plan B. She's also been thinking about not returning to Tennessee at all, as in like literally going back with you. Her adoptive mom is still planning to come to Austin while she's filming. And Stella says that if she feels like she has to leave, she could go back with her. This could be today, man.

1:11:16Caleb Hammer:This could be today. Stella repeatedly says she doesn't care where she sleeps because she just wants to get out of her current situation. That's just because the house in Houston. These are your words, though. That's because the house in Houston has a lot of people in it, and my ex is still currently living there as well. Ex-fiance. Who you'd probably happily let the shit out of you. No. Uh-huh. No, I would not. Long-term goal, though. Arkansas, Texas isn't necessarily the final destination. She says her real goal is Arkansas. Yes. But she recognizes that moving there requires money. So that's why she would use you.

1:11:55Caleb Hammer:Okay, I'm sorry. We just need to be honest, Al. No matter what, no matter if you stay with her after today, her goals do not involve you ever. So she either uses you today and for the next few months, or she leaves you literally driving back with her adopted family. That's it. Which I'll have to probably just like get a good answer. Answer this question. Truthfully, not beating around the bush out of the fear of some emotions. Is Al in the future of your picture? I don't want to answer that question right now. I do not. That's a no. There's a yes. It's not necessarily a no. It's just I don't want to answer that question right now.

1:12:42I literally could go either way. To one of the initial producers you talked to, she did say that she still has feelings for her ex-fiance. But that's not going to go anywhere.

1:12:54Caleb Hammer:I can't. This went nowhere. So what financial audit do I do on you guys?

1:13:05I don't know. wherever you feel fancy. I'm sorry.

1:13:11Caleb Hammer:By the way, I'm calling the homeless man that you're cheating on him with in the post-show to be very clear. I am calling him, and you can confront him, Al. Get ready. I mean... Time to man up. He has some choice words to say to you as well, Al. What? What has Al ever done? Probably just things that are that severe. I mean, they could be severe. They could not be severe. Oh, yeah. Well, what could I have possibly done? Did I cheat on you? No, you did not cheat on me. Even though you told me I could get revenge and cheat on you? Yes, I did say that. And I told you, that's not how it works. What has Al ever done to you other than when he lost rides to work, showers every other day, and doesn't...

1:14:00Caleb Hammer:Every other day. That's what he told us. Every other day. What do you mean every other day? I literally have to tell you every single time, hey, you need a shower. You smell. Not even me. Your sisters have told you that as well. I take one by every two to three days. Do you scrub? No. I can still smell you. Buddy, what do we have against showering? Showering is so relaxing and nice. It was. Childhood trauma. Childhood, yeah. Was showering? Yes. It's actually. Go to therapy. Get exposure. I mean, it's just like heat contact on my skin, so I had to turn it down enough. Go to therapy, do exposure.

1:14:37Yeah, maybe they can help you blow up balloons without gagging and throwing up. That's a big deal to you, Nick. So let's cheat on them? Like, what? I didn't cheat on them for that. No, I had to blow up 300 balloons. I had to blow up 300 balloons all by myself. Buy a tank of helium. No, I didn't want to do helium for all of them. It was balloon arches. I had to blow it up by... No, I had to, like... No, I had to blow up all 300 balloons by myself. No one was helping me. I asked him, hey, can you blow up this balloon? And he goes, blow it up, and he just, like, gags and then can't do it. Now you have a problem using your mouth?

1:15:12I don't do that. I never have. Like, I don't like doing that.

1:15:16Caleb Hammer:So she wants to ride a knife but can't give head. I don't like doing that. I have childhood trauma from that. Oh, my. Oh, sure. No, seriously.

1:15:30Caleb Hammer:That does not equal. Let's cheat. on my partner. Like, none of that and your miscarriage, all that stuff that is really bad and I do have sympathy for, excuses literally any of this. So it's almost pointless to bring up.

1:15:52Caleb Hammer:I will pay for your first four therapy sessions because I love you.

1:16:02Caleb Hammer:Al? Oh, yeah. I don't know. I've never actually done therapy. That's pretty good. In fact, I have a guy. I have a guy that helps me with my panic disorder. He helps with phobia specifically. And you have this thing with the shower? Let me connect you to him specifically because he's really good. He is the opposite of a f***ing enablement therapist. He literally tells me I'm a pussy all the time and to shut the f*** up. It's what you need. You need someone who's going to hold your feet to the hot water. I also get you a course career certification so you can make some money. You don't get one. I already have a degree.

1:16:38It's fine.

1:16:39Caleb Hammer:Okay. Making$15 an hour, you're pathetic. No. Yes. No. Yes. I have a degree in something else that I have not done. And you make$15 an hour. Yeah, but I'm going to go back to that. You make$15 an hour. That's it. I don't give a shit about your degree. I got you a course career certification. A lot of people in the audience have turned them into six-figure jobs. You get that. She doesn't. You get dollar wise forever. She doesn't. So use that, download AlWise, get your meal plan, all that good stuff. You get everything. You get helium. You get it all. Oh, f*** you.

1:17:15Caleb Hammer:Also, he didn't just sell the PS5. He sold it to make you happy. No. Even though you won't do anything to make him happy. That's what he told us. He doesn't even use the PlayStation. We don't use the PlayStation. Neither one of us. We use the Switch or he uses his PC. Yeah, but you're the one that wanted to come to the show. I asked him continuously. Right? I asked him continuously. She's the one that wanted to come on, right? So he sold his PS5 to get you here. I asked him continuously if this is really what he wants to do. He could have said no and I would have been fine with it. We would have been fine.

1:17:43But yeah, he did it anyway. It's not my fault that he did that. And I don't know why you said that. I said that I helped pay for the trip. That's all I said.

1:17:51Caleb Hammer:You said in the green room you did this to make her happy. You did say that in the green room. I didn't say anything about the PS5 in the green room. Did I?

1:18:01to come here. Oh yeah, the trip, yeah. Come here to make her happy. Not the PS5 part. I would have went by myself if you didn't want to go.

1:18:09Caleb Hammer:I'm glad you didn't because Al's learning a lot of things that he needed to learn to make his life better. That was the original plan. I got therapy and a lot of stuff for Al. A lot of good stuff for Al. Including a free Hammer Elite for Life on the app. That was nice. It's really good. We got three premium shows every single day, six days a week, including the post show for this one, where we call the guy that, I guess, wants to kill you and you want to kill him. Okay, that's cool. You can keep paying for it. Okay.

1:18:49Caleb Hammer:We're also upgrading your ticket to first class so you don't have to sit next to this. Okay? Okay.

1:19:00Although, we might have something to talk about on the plane. No, no, no. Leave her. No talking. She'll manipulate you so she can live off of you.

1:19:09Caleb Hammer:She's concluded that her future plans do not involve you. There's nothing to talk about. She wants to talk to you. I would like for his input on anything. Shut the fuck up. But he doesn't give me his input. And he shouldn't. He should leave you. You're a fucking whore ass. We'll also do an episode of Dating Audit with you if you're down. We'll help you set up your dating profile to make it absolutely sexy and gorgeous.

1:19:5618 plus. Great. Okay. It's one of our Hammer Elite shows. We'll do that for you. Okay. Okay.

1:20:21Caleb Hammer:Let me check in though. How are we feeling? Um, how are you feeling?

1:20:31I mean, I'm here. Don't really have any much feelings right now. I'm just here. I'm chilling. I'm sad. I didn't want to hurt you.

1:20:46Caleb Hammer:You cheated on him, you f***ing whore. I didn't want to hurt him. Again? Again? Yeah. Again? Again. I think the fourth. Yeah.

1:20:58Sorry, I'm death glaring you.

1:21:04I'm here. I don't feel the greatest right now emotionally.

1:21:08Caleb Hammer:Good. I just, I want to be happy and I haven't been happy in forever. Let him be happy and let him go. You're using him? he's not in your future and you want to be with like a trans man I don't like what the what is that what is that incredible switch up just give us eventually I know you said eventually you don't want to be with anyone right now he is somebody by the way and what okay what's this trans man thing I've just been somewhat attracted to a few of them in the past okay but you want pussy no I think trans men have pussies some do some don't Well, they have a dick, but it's like their clit enlarged.

1:21:57I don't know. I want something platonic, not really romantic.

1:22:01Caleb Hammer:Who wants to be with you for that? Wait, not platonic. You still want them to fuck you. Well, F buddies are out there. But that's not platonic. Not at all. I think platonic are just friends. I don't think any of these conversations have been platonic. Separate person for platonic, separate person for F buddy. Okay, and where does Al fit in? I do not know. I don't have a place right now. Oh, there you go. Did you hear that, Al? Al, did you hear that? Yeah, I heard it. Are you going to leave? I'm going to ask again now. I'd rather not make the decision on the show. Shit, Al. Ow. Fuck, man. Ow. And technically...

1:22:41Caleb Hammer:Lindsay, you produce them. Lindsay, you produce them. Shit, Al, get the fuck out. Yes, sir. You should leave and leave fast. Shit, can't quit cheating on you, buddy.

1:22:59Caleb Hammer:here's the furniture thing it's not a payday loan so i i got you okay max total cost i mean it's still crazy to be clear but yeah you're right it is weekly thank you for correcting me on that if you didn't do that we wouldn't have known that maybe that we made a really big mistake so i guess you're renewing it every time yeah very weird but again your purchase was$1 ,667 and the total payments in the end is$3 ,794. Al. Jim. So we really can't do that. So I don't know what the balance is right now, but you can early pay. If you can get$1 ,600 in cash, you can wipe it out. If you can get a personal loan at CalebHammer.com or something, you can wipe it out because that'll save you a lot of money.

1:23:43Caleb Hammer:And I don't usually advocate for people on the show to get personal loans. So it's usually not a thing. It's usually for people out there that are like me that can manage it. We got personal loans, we got car insurance, we got debt forgiveness. But I mean, this is like insane because this is still kind of like a payday loan. But okay, so it's 42.92 weekly. So times 52 divided by 12. Basically$186 a month. Her? Oh, wait, I have great news for me on this. I don't give up.

1:24:17Caleb Hammer:It's interesting how that worked. Oh, Ali got a credit one. My friend, I recommend closing this, okay? Yeah. I just need to be able to pay it off before you can close it. I think you can close it before paying off. Oh. Doesn't mean it goes away. It's just closed. 200, yeah, you have a late fee, so yeah, late fee for about three. What do you want to say? I would like my phone back, please. Sure. Thank you. Yeah, you got to text your current boyfriend. I'm not texting anyone. What do you got to do? Put it in my pocket? What do you think I'm going to do with it? Cheat. I'm not going to do that. I'm putting it in my pocket.

1:24:55Caleb Hammer:Okay,$240,$30 a month. Her? Oh, interesting. Don't give a f***.

1:25:03Caleb Hammer:Because you need to learn how to budget on your own because you will be alone, but that's okay. Teferarily, we're going to dating audit you. You're going to do great. Experian. Who's Experian am I looking at? With$3 ,000 on a synchronized care card. It's mine. I don't care. Who has debt to adopt a mom? Well, the only person who talks about adopting a parent is this crazy in front of me. So I don't really care. Advantage. Well, you didn't go to college, did you, friend? That's okay. So that's going to be her. Chime. Hey, you're spending a lot of money. Don't. Her. I don't give a fuck about your finance.

1:25:34Caleb Hammer:I don't give a shit. Your chime. I don't give a fuck. Probably spending money and shit. Okay. I care about your cash app. My perfect doll. How are we doing? I'm doing good. Yeah, you are. You're a king. Don't you forget it. So cash app. So you only got those two debts, the rent-a-center and your credit one, right? No. You can get out of that, and we can have freedom from whores and from financial problems. Unfortunately, you didn't have a fee on this, and you aren't yet. We did a rent-a-center. Yep, so you're paying through your cash app. Overdraft payment, that's not good, Al. We got a budget.

1:26:12Caleb Hammer:We need a budget. You got DollarWise for life now. Make sure you're budgeting.

1:26:18Caleb Hammer:5mm shop? What's that? That's GTA, isn't it? What is it? Oh, is that your role play, isn't it? Role play. Was it recent? June 2nd. What was it for? 5mm.shop. What was the amount paid? I know, I know. $0.36. No, that was your fee. $12.36. Yes. No, it wasn't the game. I don't know what that is. He recognizes it. It would be under New Haven. Okay. Maybe it's a subscription to one that you used to do and you forgot about. Apple bill. Cash withdraw. McDonald's. GC. Microsoft. Cash app. More rent. The center. State bank. Books a million. Books a million. Don't buy her shit. That. Getting some bullshit.

1:27:04Caleb Hammer:Door dashing subway. Probably should be doing it. Vapor, you vape? Yes. Shit, buddy. I think vapes very heavily. Shut the fuck up. I'm just telling you. I don't give a fuck about what you have to say. I don't give a shit about what you have to say. Cash app. Popeyes. He's looking at me weird. Shut the fuck up. I'm sorry, but he's just. Shut the fuck up. Overdraft, overdraft, overdraft, overdraft. This is not good. Books a million. We're not getting Subway and vaping and Popeyes when we're overdrafted, my friend. Okay. Yeah. Shut the fuck up. Oh, I remember that. Shut the fuck up. I'm just. Shut the fuck up.

1:27:39Caleb Hammer:I'm trying to. Shut the fuck up. I'm trying to remember stuff in my head. Shut the fuck up. quiet downs her I don't care very good so that's your only checking account is that? yeah you don't have any savings or retirement I assume that's okay you're 22 you're young huh? I might have the 401k but I don't think I have access to that you know how much you got in there? you know how much you got in there? I think you just started I know the books are gifts for her but you just gotta not spend money for a little bit you live at home so your rent's cheap your rent's nothing right? do you owe them anything?

1:28:10Caleb Hammer:he pays shut the f*** up $200 a week. Huh? $200 a week. To the family? To live there? Shit, what about groceries? How's that dealt with in the house? I guess they just use whatever they have to get the groceries. Okay, so they get the groceries. Okay, well, that helps. So$800. You have to pay that? You're going to tell me to shut up. Shut the fuck up. You're going to tell me to shut up, but I was paying for the groceries before. That was my rent there. I was paying for the groceries. I spent... They'll figure it out. Your family will help you, right? Tell me, wait, what? When she leaves, your family will help you, right?

1:28:40I mean, yeah, I'm not going to get kicked out.

1:28:41Caleb Hammer:But they'll help you. They'll like not charge you for groceries, right? Yeah. Because$800 is already a lot for you. Because you make$1 ,800, this is a chunky thing. Your dad was... Shut up! Your dad was... Shut up! What's your car insurance? Car insurance,$230 a month. Jeez, dude. Gas. From drive, drive. How much? I don't really pay much for gas. Because even if you pay for insurance... Shut up! How much? I don't drive. Okay, so nothing? You go to work. Why do you pay car insurance? The car isn't my name, so I have to pay for it. But I'm allowed to use the car. I'm allowed to use the car, but I just can't bring it to work because he needs to go to work.

1:29:22Do you ever use the car? No, I don't make any payments on it. Get off this.

1:29:26Caleb Hammer:I'm going to cross off the car insurance. He has to pay. You're done. Get off of it. He's not going to pay. Then I don't care. Then let it default. I don't give a shit. Let it default. Let it default. I don't care. you need the money to fix your life and get on you and your family are not one person you're already given me$800 a month for rent which is actually kind of a lot what's your phone bill straight talk so it was like$45 okay I'll get you helium for$15 TP fund anything else you need to survive my friend $100 razors shower gel all that good stuff 10 in 1 whatever you do subscriptions. I'll try like 50 bucks.

1:30:08I want you to be able to play your games. You got any pets? You personally. Under your care and ownership. No. We're not allowed to. Shut up! Medical health care, you got co-pays on a monthly basis? You will with therapy, but I'll cover some sessions first. The medical health insurance? Yeah. No, it's through my job.

1:30:26Caleb Hammer:Yeah. Okay, buddy, you don't need much to survive. Listen, this is, we got you at about a thousand bucks, which means you have 800 hours left, which means you can pay off all the debt pretty much in a couple months. You save that up. That's not that difficult. And then you're free. But you need to get the car insurance off your name. I don't care if he doesn't pay it. You don't even use the car. So it's not your problem. Let it default. Let it get repoed. I don't care if it's your credit for a little bit. You need a fresh restart. And then you... I'm sorry. They're just not... His dad is not going to like that at all.

1:30:54I don't care. There is no other way for...

1:30:56Caleb Hammer:I don't care. You need to live your life. Tough conversations need to be had. And you need to leave. You need to get out of the house. we need to start pursuing a new career through the certifications that i give you do the therapy that i give you use all the tools pay off this debt in a few months say that you can pay for the car insurance but he needs to lower the rent by that amount you know so either way it just breaks even um and at that point we need to get you like a cheap rent and we're gonna do a dating audit with you and you need to get out and you need to leave her no matter what she does to manipulate you you need to leave her okay guys we're actually going to bring in the other man in the post show via a video call.

1:31:36Caleb Hammer:Your hammer financial score is zero, as clear as day. Maybe a one, maybe a 0.5 because the 401k is open. I don't know. But I mean, this is Brad and you just honestly go yourself. You're a horrible human being. I don't give a that you're a part of hammer lead. I give open and honest to everyone, no matter who they are. go f*** yourself. Disgusting witch. Join us in the post show. Get your Hammer score for free. CalebHammer.com Join us in the post show. Three premium shows every single day. The number one I need to for a reason. It's incredible. It's the best. Or just download the Hammer Elite app or go to HammerElite.com to save membership on both.

1:32:15Caleb Hammer:Three premium shows every single day, six days a week. Join us for an extra 20 minutes in the financial auto post show. We're going to bring in the other man. Should we call this guy? Look who it is. Yeah, it's that f***ing freak. By the way, you should also know she brought up that she doesn't even want to be with you either. I have a job. Homeless. I actually show up for that job. I get paid decent fucking money to show up to my fucking job. I don't sit there and call out and then play on my fucking computer like a little bitch. You work at Sonic. So? I just launched the brand new Hammer Elite app available on every major platform.

1:32:49Caleb Hammer:So you can watch every show anywhere you want. You'll get three exclusive dedicated shows every single day Monday through Saturday. Refer a friend after you sign up and you get an additional 30 days of Hammer Elite access for free. Download the Hammer Elite app by using the link in the description or pinned comment down below. This is the best membership you'll ever join, and that's a promise. I want you to be on the next episode of Financial Audit right here in Austin, Texas. If you think you have interesting finances with an interesting personality or a story or a life or relationship, I will personally pay you to take time off of work, fly you down to Austin, get you personal transportation, a hotel, food, and we'll have a great time hanging out.

1:33:27Caleb Hammer:Go to calebhammer.com slash apply or click that link in the description below. I'm not giving up. I am selling the building. The final season of FX is the bear. The restaurant is flooded. Everything's either going to be okay. Or not. We are outgunned and we We are outmanned. We have each other.