She Needs To Divorce Him | Financial Audit

25:24Well, that's the same as today. Yes. So what's different? Why would you come back into that? I'm confused. You literally just copy and pasted exactly what's happening now. So what? I'm confused. That's when we got back together about six months later when he said that he was going to change. But that was a year and a half ago now. Yes. If that made you leave the first time, the last year and a half, that's never across your head? It has. a lot. What pushed you out the door the first time though that is not there today? Again, you're kind of copying and pasting answers, not giving me specifics.

26:01What happened to you that got you out of the house that is not existing today or within the last year and a half? I would say at that time I was working two jobs and I had money to be able to live on my own. It's a financial thing today. Thank you. That's an actual answer. You're right. 1 ,700, you wouldn't be able to live on your own. Especially with two kids. Who in y 'all's life knows what's happening at this household? The roommate. Okay, yeah, the roommate. That's right. Your special roommate. My best friend, Sarah. Okay, what does Sarah think? Sarah knows that it's not the best living situation.

26:40She actually no longer lives with us because of the roommate. Okay, we'll get into the roommate in a bit. He was very excited to talk about the roommate at the beginning. seems to be his issue when clearly I think the issue is he screams at you and throws shit. I scream at them because I got consent. Did you get consent to scream at her and throw shit? No. Okay. So what's the dynamic at house right now? Do you consider yourself fiancés? Yeah. I do wear the ring that his mom had. Oh my gosh. Do you guys sleep in the same bed? No, I currently sleep on the couch. And why is that? It's easier because our newborn does not sleep very well.

27:18That's why? Yeah, he doesn't like sleeping in his basement. You want to sleep in the bed with someone who screams at you on a multi-day basis. Well, no, but the bed is more comfortable than the couch. Okay. We don't have intimacy either anymore because I sleep on the couch. I'm sure not. Well, I mean, you don't have to sleep together. Okay, how often we... Not at all. When was the last time? A while. Probably before the baby was even born. Once before. Did he ever pressured you? No. Really? That would totally line up with his personality, but I'm glad to hear he doesn't. I know what no is. Do you?

27:56Screamer, yeller, stopper, thrower, holes in the walls? Yeah, it's a lot. So I sleep on the couch because of, one, I mean, the baby does not sleep well at all. He, and I know that he's working two jobs. I get it. He works a lot. I can't believe how much you're defending a guy that is actually abusive. This is crazy. It is. I mean, we all know that this is what happens, that the women in the situation will defend it. But to witness it live and in person is blowing my mind. No shit. Probably to Sarah, right? I do. Probably to the family, the friends, the roommate. I defend him a lot with a lot of everyone.

28:34Why? Why possibly? Just because you love him doesn't mean he's a good guy. Doesn't mean he's a good parent. Doesn't mean he's a good partner. Doesn't mean your relationship is good. Doesn't mean this is healthy for your kids. I'm not saying you don't love him. Love can be toxic. It is a very toxic relationship. We do not communicate well because of it. So tell me about that then. If we're going to go through this conversation, go through the finances, tell me how we're communicating at the house. Not at all. Nothing. I don't like to really talk a lot about certain things, about anything at all, because I know that he's going to get angry.

29:06Great. Or annoyed. And how is that for the future of our relationship? We can't talk because he's going to get angry, blow up, throw things, smash things, yell. I've tried to talk to her. and? She doesn't want to talk to me. Okay. Here, buddy. You know what? We gave 26 minutes of kind of figuring her out. Give me your side of the story. Let's see if there's something.

29:29Yeah, I just work two jobs. I'm always tired. You're also always tired because you don't take care of yourself. Let's try to give it. Well, what does that mean? I have thyroid. What is it? He has Hashimoto's. Yeah. He does not help. Sounds like a bite of sushi. I don't know. What is that? Tell me. It's a thyroid autoimmune disease that my body attacks my thyroid. So I don't have energy. I don't have. That classically makes people abuse their children. Never. Go on. So what does that do? Well, he's not on any type of medication. Tired. I have no energy. Okay. Drink caffeine. I don't know. Caffeine doesn't do anything.

30:09Okay. But this is the reality of your situation. I don't understand how that leads to abuse. But go ahead. Continue. And let's try to not interrupt him. Give me your side of the story. Whenever I do try to talk to her and ask her about certain things, she'll just immediately snap and start yelling at me. She snaps? She can, yes. Tell me about that. It'll just be a normal question. If I'm making dinner one night and I ask her what she normally puts in the dinner, because she cooks as well, but she's a better cook than me because I didn't really cook much. So I ask her what she normally puts in it, and then I'll ask her, I'm like, hey, babe, what do you put in this?

30:44And then it's just instantly, I don't know, you do it. It's, you know what goes in it, my normal stuff. And I'm like, and what is that, please? So I know and I don't mess it up. But you also need like legit step and step instructions to do anything. I just need a list of ingredients. So you scream at him too? Every now and then. Do you scream at the kids? When I'm very, very overstimulated, I can. But that's at the point of my breaking point at nighttime.

31:15Okay, so you're both pieces of shit.

31:21Should I just go rescue the kids? Like, what am I doing here? What am I doing here, guys? What can I do? Can someone inform me? For what we need help with? No, sure. Help with? You guys need to get away from each other and your kids. A lot of my anger towards the kids ends up being at nighttime when I have done everything myself. And trauma is known for being less permanent if it happens at night. What? Okay. Go on, I guess. Tell me. So I'm with the kids 24-7. Yes, your mother and you work less. Okay? I got it. But so it comes from when everything's happening all at once and I don't have any hope.

32:04He can be sitting on the couch watching something on his phone, reading, doing something. Well, he probably does honestly deserve a little bit more downtime. If I'm throwing away my hatred of both of you, yes, 60 hours a week, he probably needs a bit more time for recovery, especially with his medical condition. So, okay, go on. And it just gets overwhelming to the point to where it's when I'm at my absolute breaking point. I still have to make dinner. The baby is cluster feeding and won't take the bottle. Our daughter is screaming, crying because she needs an activity. She wants something to watch on TV.

32:37She's hungry, of course, all the things. The animals still need to be fed. I'm just kidding home at 7 p.m. at nighttime and still need to do A, B, C, D. I haven't even had time to take off my scrubs. And everyone's clinging to me saying, Mommy, Mommy, Mommy, I need this, I need that. Dinner still needs to be made. And then what happens? And then I get overstimulated and I'm tired. And I just end up breaking down. Again, I will help you here. You have to describe what that is. You both give like the shortest version answer of everything. This is a podcast. You tell stories. Let's try it again. What happens?

33:14You break down. What is that? I normally end up yelling or crying. And I. Are you yelling? Who are you yelling at? Come on, please. I'm literally yelling at literally just open air at this point. I don't really talk to anyone in particular when I'm yelling. No one's around. Because no one's around. Okay, not your kids. And not really, no. Very, like, the only time if I yell at the child, it's because she's literally coming up to me.

33:46And how am I trying to say this? Okay, the four-year-old autism runs up to you.

33:55Most of the time, she's either beating me because she likes to come up and hit me a lot and hit me and hit me and hit me and hit me. It's not great. No. And that kind of throws me off. And then I normally tell her just like, stop, stop hitting me. Give me five seconds, please. And it's more like that type of yelling other than not like in her face screaming, yelling type stuff. It's me just having an annoyed type attitude towards her. If that makes sense. Is that true? Normally when that happens, I'm at work. So I don't see any of it. Because I'm able to, I trust her when she says, what you do.

34:28I don't know if I trust her when she says what she does. And I wish I could hear what actually happened. Because I'm being on camera. Everyone's going to try to make themselves sound better. He's been doing it all for an episode. So before we get into these finances, then for the sake of the context of this relationship, which I can't believe I'm even going to do this for you guys, but whatever. Two years ago you said cheating. And it sounds like you did. Yes. Tell me. Two years ago, that was my absolute breaking point when I was Your favorite word. Yes, it is my favorite word. Michael was being at his most of yelling, slamming things, like being very emotionally abusive, yelling at the kids, well, the one child at the time.

35:14So disgusting. I feel disgusted. I was very not in a good position, and it scared me. I was honestly scared of him, thinking that the next point was going to be either he was going to put hands on our daughter or me. That is totally fair. So I wanted out, but I was too afraid to tell him that I wanted out. That is fair. You'd have to kind of just leave. Yeah, so I end up, one of the people that I used to know when I went back a few years ago, came into the restaurant that I was working at the time. And at first it was just back and forth of being friends. We kind of reconnected that way. And then I ended up telling him everything, what was going on personally.

35:53because obviously, like, I'm good at kind of, like, masking things of how I feel in general. Most abuse victims do. But it came to the point to where it became very apparent in my everyday life something was wrong. And that's when he was like, what's wrong? You need to, like, what's going on? And I told him everything. And he was like, you need to leave. And then we ended up just having an emotional, like, type connection again like that. And we started seeing each other. How frequently? How long was this going on? Like when were you seeing him? How, where? Because he's working all the time. You're working and then there's kids at home.

36:29How is this happening? So we, it was at the time when I was working two jobs before he worked two jobs. Because before he refused to get a second job. When were you seeing him? How frequently? He came into the restaurant a couple times and then it was just talking and texting. And then we only saw each other maybe like three, four times before he found out that I was cheating. And he left. I didn't find out. You gave him my phone number and he messaged me telling me that y 'all had sex before. That's a bad strategy. Yeah. Yeah. But at the same time, I was literally afraid of you. I didn't know what you would say.

37:03I didn't know what you would do. Why would you give that guy his phone number? Yeah. And then he just constantly messaged me and berated me, called me. The guy? Yeah. Saying what? Doing what? That if he seen me, he'd beat me up. That if it came down to it, he's coming to my location. Well, yeah, because you're abusing the person he loves. I mean, I actually kind of get that. I don't believe he loved her. He was using her. I mean, she paid for his phone for months. Okay, that's also weird. But, okay, yeah, yeah, yeah. But you guys sort of. Yeah. Okay. So that started maybe early, mid 2024. Mm-hmm.

37:37And then he, that's when I told him, like, you know, I was afraid to tell him anything. I was afraid of him physically, emotionally, everything. Yes. So he decided, well, why don't I tell him? And I'm like, are you sure that's even a good idea? Why do you guys even want to tell him? I'm so confused on that. I would have built the relationship and then just left and went with him. Yeah, that could have probably also done. I don't know. Yeah, you're in a dangerous situation. I don't understand why we're poking the bear. I really don't. But okay, so he told him, I guess. Then what happened? And then at that point, he still wanted to fix things.

38:14And this was at the point to where. The abuser did. Shocker. And at that point, I said that I was done. I had already offered prior counseling and everything, and he didn't want to do it. So I said no. And that's when him, he left the house, and we didn't get back together until about six months later.

38:38Why did you go back? I went back because I ended up splitting with the guy that I had cheated on him with because— 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+.

39:12I found that he, you know, was a narcissistic asshole. He is Lord Farquaad, as we like to call him. And he cheated on her? Yes. And he was also talking to an underage girl at the time as well. Yeah. Hitting every classic financial audit topic today. Yeah. I know how to pick them, apparently. Well, you stay with them. So... So, I don't understand, but that... And then she got with another one. Huh? And I said, and then after him, she got with another guy who ended up in jail. What the f*** is wrong with you, dude? A lot of things. What did he go to jail for? He got a DUI in my car. Oh, my gosh.

39:49With your kids in the car? No. Okay. And that was before getting back with him? Yes. But why back with him? I feel like you feel like you need to be with someone. Because that's the only reason you went back with him. That's the only reason you got with that other guy after the other dude cheated with you with a underage girl. Crazy. I feel like you just need to be with someone. I think, listen, it's not bad to be with someone. but you needing to be with someone is putting you in sketchy situations. Yeah, it really has. Do you abuse her? Emotionally, I can't not say that. That's insane. I don't think I physically.

40:27I didn't say physically, I said abuse. And you're fully acknowledging right now that you abuse her. If yelling and throwing stuff, yeah. Raise your hand if that's abuse, please. I need to make sure. Yeah. Okay, everyone agrees that it's abuse. Okay, very good. You need to make sure I wasn't just like too sensitive or something. Shut up, liberal. I don't know. I wasn't disagreeing. I was just... No, no, no. I'm just making sure I understand. So you abuse her? Yes. Do you abuse your child? Yes. If yelling is. Yes. And throwing shit? Yes.

41:05Leave him.

41:09That is one thing that, you know, I've thought about, but I have. But as you can see, financially wise, I cannot. I think his parents would let you move in. His mother would let you move in. Where's your family? Non-existent, really. But his mom already took the kid one time. Move in with her. If it comes down to it I'll get you first month last month And three months of rent if you need I own a house though Kick him out The court will be on your side He's abusive Kick him out Get on assistance It is meant for people like you That is not a bad thing I have tried But I guess because Like assistant wise For like food stamps and that kind of stuff But before I guess because of where we live they automatically put him on the application because of his names on the birth certificate.

42:05Kick him out. Do it. Kick him out. Tell them. The court will help you. You're in Maryland. You're not in some you know not in Alabama Mississippi Louisiana You're in a place where you will get help. Let's go through your head right now. It sucks for sure but I mean I can't argue against her if she wants to kick me out. I mean obviously I am abusive. All right. Kick him out. That's it. That's it. It's just like, what the? What's holding you back at this point? Because I know that he will live in a tent again. I don't care. He's an abusive person. I don't give a shit. Good. Good for him. Good for us as a civilization.

42:46Yippee. Maybe a storm will wash him away. What? So? I would feel extremely bad knowing that he's living in a tent. No, no. Not abusers. We don't feel bad about abusers. No, no. We don't do that. But couples raise a voice at each other. That happens. It's not always the best thing, but it happens. Heated things happen in years and years of being together. Not on a multi-day week occurrence and not with kids and not with throwing things and not with holes in the wall and not with an admitted abuser. I just can't see him living in a tent again. He was living in a tent before. He'll go to a homeless shelter.

43:22When was he living in a tent? When we first split in 2024. What? Why'd you live in a tent, freak? Because I didn't want to go live with my mom. Because she didn't have a house. You make money. Get a f***ing place. You make$4 ,200 a month. Not at that time, no. Okay, he does now. He wouldn't be living in a tent now. He makes good money. Right? You wouldn't live in a tent if she kicked you out, correct? I'd try to find somewhere to live, yeah. There we go. Did that solve the issue? It does, but at the same... I would still feel bad for kicking him out. Can I abuse him? Kids? Like, how do I... I'm not equipped for this conversation how do I do that like how do I navigate that definitely a hard thing to navigate shut the f*** up I don't need your perspective on that I didn't ask you I don't give a s*** what you're talking about f*** you I'm I'll put you up we'll send you resources I'll put a couple thousand bucks towards it I'm happy to do that you need to talk to someone You feel bad?

44:27No. Hey, who do you care about more, your kids or him? I definitely want to put my children first. Well, you're not. You're not. Yeah. My kids have definitely suffered a lot from this. Tell me. I can def - I mean - What do you mean? She's probably - she's - Look, I spent a lot of time on this show telling people to stop avoiding things they actually need to deal with. For me, I've put off making my own doctor's appointments, so apparently I also need somebody sitting across this table yelling at me. That's why this part of the video is sponsored by ZocDoc. ZocDoc lets you search and compare high-quality and network doctors.

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45:43That is Z-O-C-D-O-C dot com slash Caleb. Back to the financial chaos. Guys, you've known me since the beginning. And the fact is, I just love building products that help people. And we're continuing to do that with the Caleb Hammer Financial Services. Listen, now you got personal loans that you can get the best rates on forever you want to use it for, whether it's consolidation after you change your behavior or you need to purchase something that gets a good return on investment. And now we got credit building as well. You can shop for the best credit builders that are either free or low cost to you and build that credit.

46:13We got debt forgiveness and debt consolidation as well. We got auto loans for your new car that are great rates, or you can refinance your horrible auto loan today. And not only that, now you can shop for the best car insurance out there. The thing is, we are building more and more of these to help you get the best tools and services that you can possibly get online at the best rates. So check those out at CalebHammer.com. All those links are below in the Caleb Hammer Financial Services. Check them out. Save yourself a lot of money. I know with how he is and her seeing how that is and how quick he is to just fly off the handle, be angry all the time, it's not good for her.

46:55That's how she's going to start reacting. And a lot of times I can see that now that's how she's reacting. Like if she doesn't understand how to do something or if she's like struggling to figure out what you're trying to say or if she's trying to understand and like you can see it clicking in her brain. but she gets very irritated very easily and she will then start to throw things, hit herself and all the things, which can come from her being possibly on the spectrum but also watching him every single day. Every day for four years? Yes. Besides six months that she had peace living with his mom?

47:29You need to save this kid. It's done. It's done. The decision has been made. What are you going to do? What, when I get kicked out? Find somewhere to live? Why didn't you in the last four years get help? Because now you're going to lose everything and you deserve it. I've tried therapy when I was younger and it didn't go anywhere. Try it again. I offered to do therapy before and he did not want to until it was too late. It's been too late. You're just lucky that it's hard for a spouse, especially one that has kids with you to leave. What do you think your financial score is today? And I'm focusing on you here.

48:16Um, a two. If you want your Hammer financial score, get it for free at CalebHammer.com. See where you stand in the world of finances. It is new and improved, really specific on each category now. So you can see what you need to do to improve. So if you've taken it before, take it again. And we've recently updated it. And if you don't want to be like a guest who ends up on this show, make sure you download the DollarWise budgeting app. It's incredible. It's amazing. It is the perfect budgeting app for the average American instead of that overcomplicated bullshit where you stop using it after two weeks because it's not even beneficial to you.

48:47It's just crazy. Check out the free trial. See if you like it. And if you do, which most do, they end up taking the annual version because it saves nearly 50%, and you get the physical version of my meal plan signed by email directly to you and the digital version of the cookbook. So let's go into this. And you brought up this roommate thing. We'll get into that in a second. I'll see if there's something there that is impactful to the situation. You guys clearly make it sound like it, but let's see. Okay. I have a loan with a payment. Oh, this must be the mortgage. Yes, that is the mortgage. Okay.

49:29A mortgage is never on the top of my documents. When it is, that means something scary is happening. What is happening? The mortgage is currently eight months behind. Oh my shit. Eight months is insane. You guys do not make bad money. This is a pretty expensive mortgage payment for you specifically, but all y 'all together. 1, 3, 2, 3.54. Divided by your 5 ,900 a month net, it is 22 % of your take home. What is the issue? What is possibly the issue? So, this is where I believe Adam comes into play. Ah, good old Adam. He's been rumored. Buddy just took a sip of water. His whole body's breaking down.

50:23I haven't taken any time. Okay, Adam, tell me about good old Adam. He's been brewing in the background this whole episode. Adam lives with us. He's been living with us on and off and supporting him on and off for the past six years. What do you mean supporting him? He has not had a stable job since 2021. Okay. What the f*** are you putting up with him? Michael normally puts up with him. You own the house, right? Yes, I own the house. So this is more of a tenant than a roommate. Yes. Why are you letting someone that doesn't have stable job history come live with you and rent a room? Because he literally had nothing.

51:02But even still, I mean, no offense for what it's worth, and I'll let you tell this Adam thing, but your guys' income in this mortgage is not dependent on taking in rent. It's still 22 % of your net income, regardless if someone is paying in rent. So how the f*** is he making or breaking you paying your rent? It's still 22 % of your f***ing pay. We do not say no to him. If he wants to go out and eat, we go get him food. Oh, my God. If he wants something that he needs, we get it. Why? What is your relationship with this guy? He's my best friend. Oh, great. Which is why I was going to say, why does a man live there and he hasn't stepped up against an abuser?

51:44Well, that would be why. Is your best friend like childhood best friend? Yeah. I'm going to. What are we doing? What are you doing? So now you're supporting two literal children, essentially. Essentially, yes. On top of your actual two kids. Precisely. Why are you putting up with this? I can't believe I'm even going to talk to you. But why are you? He's your friend. I have, if my friend, any of my friends, I would support my friends in a hard situation. I would not let them, I would not enable them their entire life because that is not going to be beneficial to them at all. What the f*** are you doing?

52:25What's your perspective on this? And actually try to have one. I would feel bad for kicking him out because he genuinely doesn't have anywhere to go. He doesn't talk to his family. He would be homeless. But because you guys have enabled him. You've allowed him to not have a job for so long. Why would he ever need to have one? To put himself back up on his feet and be able to take care of himself outside of the house that you guys are all in right now. He works with me on my second job. Oh, my. The cleaning? Yeah. But that's only, what, three, maybe two times a week? Right now, yeah, but he was working, like, all week.

53:03And you guys, but that's because he says no. Well, yeah. He doesn't want to work. He says no? Yeah. And you allow this? I guess since I don't stand up to him then, yeah. No shit. You'll stand up to your four-year-old but not to another man? He did once, and then they fought physically. Oh, my. What happened? When? What? Last week. Last week? Ah! Thankfully, me and the kids were not home when this happened, or... Wouldn't have stopped them. The cops would have been called, and they both would have been out the house. Oh, that would have been nice. I wish you were home. What happened? We were talking, and then he...

53:43About what? He was basically saying, how's it feel to not have a car that I've been dealing with for years? And I was like, it doesn't really affect me as much as you do because I have a way to get to work. Like one of my coworkers can pick me up in the morning. Okay. Well, we now have a car. Yeah. But at that point, he was just started yelling about other stuff. And then I started yelling back. I can't really remember. And then he like rushes up to me, pushes me. I push back. And then I pick him up and throw him on the floor. How long did it go on? How intense was it? 15 seconds. Jeez. And that was just a week ago.

54:16What's the status now? He acts like nothing happened. Yeah.

54:24Like, they're back to normal, I think. Talking normally. Yeah. As they usually do. And, like, bantering back and forth. Still being friends, brother-like, that kind of shit. Good f***ing. So why would he ever improve his life? I guess there is no reason to. You're going to support him forever. I don't want to, no. I have great news. He makes good money. Adam will go be his roommate when you kick him out. Just solved your issue. Right? Yeah, no, you're not wrong. You're not lying. No, I'm not. That would 100 % fix the issue. Why are you six months behind in your mortgage? I'm very confused on that.

54:56Because even if you do go out to eat here and there, all this stuff, and the dude doesn't work, that doesn't make sense for why we are, you said six months or nine months? Eight. Oh, good. Right in the middle. Wait, where's the foreclosure situation? Because eight months behind is. There is no full foreclosure currently. I have what our mortgage company calls an RMA, which is a request for mortgage assistance. So I've submitted our bank statements, pay stubs, all that kind of stuff. Wait, and this isn't an Adam situation anymore. You missed payments. You were full late payments in early 24, mid-24, mid-24, late-24, and then you had unknown.

55:33You must have been in an assistance program in early 25. Then mid-25, you missed three in a row. Then you made two. Then you missed four in a row. And then you miss, oh, now that continues into your eight. Okay, actually, you've paid one, two, three, four, five, six, seven mortgage payments in three years. It's seven mortgage payments in three years. That is not an Adam thing. You do have some ownership on this. I'm not going to lie. 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.

56:13Gemini 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+. And it's my paycheck goes completely into our joint account that we have together, but his paycheck goes into only his account. And I do not see that money. I don't know where it goes. None of that kind of stuff. so I can't see all of the money completely as a whole to be able to pay things, and then when I go to want to pay something, there is no money to pay for it. What happens? So you guys said you don't communicate about the finances.

56:50What have you tried to do in communication around the finances? Move both of our paychecks into the joint account, but I haven't talked to my boss to change it. I've asked you multiple times to change that, but it hasn't happened. Why haven't you? I always forget while I'm at work to ask our boss. You literally can text her. Yes, I know that, and I don't. For how long have you been requesting? A while since we opened that joint account. Which was? When we bought that truck in 2024. Good. It's been two years, and he hasn't. Two and a half years. He's never going to in that case, then. Two and a half years isn't, oh, I got a little busy.

57:32It'll get busy for two and a half years. He's deliberately choosing not to for whatever reason. Okay, you behind on the mortgage. Why? Because we buy other things or... Why are you choosing to do that? Well, most of the time it's going to get food. Like I think she did the math and we spent like what, two or three grand in food in a month? Between May and June when I really wanted to sit down and go through our finances, I went through our bank statements between our joint account, which is where my check goes into in his account. Between both accounts, about$1 ,900 was spent in eating out between McDonald's, Arby's, all that other shit.

58:13Are your kids fat? Because you're fat. I just had a baby like three months ago. Okay, but I mean, I think you're fat. Yeah, pretty chubby. Fat. And the babies, the kids? No. Okay, the four-year-old, no? No. Not chubby? No. You want to see a picture? Okay. Yeah, yeah, yeah. Just don't show it to your ex. Get it? Because he was into children. Okay. Hold on, I got to find a real picture that doesn't have a... How do you feel that she f***ing f***ing f***ing all over you? Yeah, no, that definitely... You deserve it. ...was a weird thing to find out about. It's kind of crazy when you're worse than a...

58:59Yeah. That should make you reconsider your life choices. Okay. Yeah, not fat. Will be. You guys are eating out$2 ,000 a month at McDonald's and shit? Like, what are we doing? That's the thing. We're not the ones eating it. And it's in your genes. We're not the ones eating it. All Adam? Adam. 2 ,000 hours of fast food went to Adam. Not all of it. Not all of it, essentially, but the majority of it went to Adam. Okay. Have you argued to kick Adam out? Yeah. And what happened in that conversation? At the end of the conversation, we both realized that he has nowhere to go, and we feel extremely bad if he were to live in a tent again.

59:35Even you do. What is with this tent thing? They both lived in a tent. Hey, maybe he will figure it out and needs to because he's an adult. He's 26 '2", as well, right? He's 27. He's 27. 27. I think he can figure out his life. Is he a drug addict? I mean, he smokes a lot of weed. Well, that's not like car cord. Yeah. No, he doesn't. So he won't be homeless. out of the sake of drug addiction and schizophrenia and shit like that. He will figure his shit out, and if he doesn't, he is a failure of the market. Whoopsie! His problem. There's also services and shelters and shit there. I guarantee it. Oh, no, we have 100%.

1:00:12We have a lot of different opportunities. Them choosing to live in a tent is them choosing to live in a tent. You cannot make your entire world and life's choices based on what another person chooses to do. not forced to do, chooses to do. I think it comes down to me being an absolute people pleaser and feeling, I just feel like I have to please everyone to be happy. Great. So continue having your kids abused. Good? No, not good. Okay, then what? I don't want that to happen. I want him to change, and I want to have a not broken family. Dude, your house is worth$200 ,000. Your house is worth$120 ,000 more than it's worth.

1:01:00Sell it. Pay off your debt. Start a clean new life on a budget. And date in a healthy way instead of getting weirdos, okay? Maybe move to a better place. Pay off debt. Have a fully funded emergency fund. Use it to get yourself in a better career position. I'll get you a course career certification. Congratulations. Woo, yippee. People in the audience, you're not getting one. People in the audience have used it to, you know, get six-figure jobs, trade, tech, whatever you want. It's an incredible platform and product. But, I mean, dude, you can get a cash offer from Zillow in three minutes, and they're valuing it at$300 ,000.

1:01:38Like, even if they give you$280 ,000, you walk away with$100 ,000. And that's probably before it's actually, like, we've done some renovations to the house. Yeah, that's probably not going to do much these days. But even still, even still, plus a house like that, I don't know. Weed's being grown in the backyard. Yeah. By who? Adam. What are we going to do if we get caught? That's a CPS phone call, right? Yeah. Is it illegal? What are you, a cop? Yes. Apparently in Maryland. Two plants per person. Two plants per person. And there's only six plants? I don't know. Yeah. I haven't wanted to look back there.

1:02:17Some of them have probably died by now. Okay. Hmm. Mm-hmm. Has anyone ever called CPS on you guys? No, but I think when our first daughter was taken by his mother, his aunt had to physically take the baby back away from his mother to be able to give her back to us because we think— Why did his aunt do that? Because it was—he said, she said, rumored that his mom wanted grandparents' rights. Good! I'm sorry, you're a horrible, objectively horrible dad. You are a bad mom because you won't get the kids out of the house or him out of the house from the kids. You're not as bad as he is a dad, but you not getting them away or him away is being a bad mom because you're just allowing your kids to do it and be there.

1:03:08And also, I mean, you're very behind on your mortgage as well. So maybe they should have had grandparent rights. But if the mom was willing to do that, Will the mom not take you in? I don't know. Call her. Right now? Mm-hmm.

1:03:25She might be working. I'm not sure. But I will be. Let's see. Friday. I think she is. Hold on. Rent in your area is 2 ,400. You guys are in a very blessed position. Sell the house. Get the fuck away from him. Move on. Pay off the debt. Fully funded emergency fund. Where's the last time I talked to her? Hold on. Well, you can just type in her name. I was going to say search. She has two numbers on my phone. I have to delete the one. So it was more like you stole the baby back then, in a way. Yes. You worked with the aunt to do it. Yeah. That's not a good thing. Why did the mom not call CPS?

1:04:06see if she answers if not hey how are you good who's this good i am a friend um i'm sitting down with your son and her and you know i'm just kind of going over some things they really wanted some advice and you've come up multiple times in this conversation and i just kind of wanted to talk to you they're both here say hi hi hey so that you know they're both here um who are you My name's Caleb. They came to me for advice in a private setting. It's actually not that private anymore, though. Either way, whatever. It doesn't matter. The thing is, I know you had the kid for a bit, and they unfortunately took the kid back.

1:04:50I think you should have the kid. This man scares me around the kid based on everything he's admitted to me. He told me he's verbally abusive and emotionally abusive. He told me that. She's not even saying that. If things get too dangerous, is she allowed to take the kids and live with you? That was my one question. It's not about—your first question was for me to take the child back, which is fine. But I need more—like, there needs to be more information. Like, I've already discussed with them before about situations. And so my question is, is if you're asking me to take one, what about the other?

1:05:35And like, what's the plan? Like, what are we doing? And are we going to get help at this point in time? Like now we have somebody else involved in this. And I know that I'm your mother. And I know your mom isn't in the picture. And I'm like a mom to you. And I know that's hard for you to probably even think about like, well, that's mom. Like, how can she stand up for me? But I've told you time and time again that I would be next to you. And so in saying that, it's very hard. It's like both of y 'all are my children in a sense. And I want the best for both of y 'all. But y 'all both need help. You both need to get into some sort of counseling and have a support system.

1:06:20Do y 'all hear me? Yeah. Yes, we hear you. And I'm sort of disappointed that y 'all even did this show and you never even said anything. Like if you want me, and I've told you this time and time again, I've walked the road that y 'all are in. I was a single mom in the military with nothing scraping by. And I turned life around and I made different choices and I did different things in life. And that you guys can always come to me. And instead you constantly keep me in the dark. But they don't want to call me in an emergency, which is fine. I'm always going to be here, but we've got to do better, guys.

1:06:55Like this is so out of the blue. So if you're in Texas, who has the children? My friend has her, has both of them.

1:07:07You know, y 'all, this almost feels like a joke because seriously, I feel so left out in the dark. It's not even funny right now. I apologize. It's not a joke. I actually really just wanted to know if she ever needed to, if she could live with you. I've already told her this. I've already told her this. I've told both of them. At one point in time, it was with me because they had to split up. Yeah, yeah. Yeah, yeah, they told me about that. And it's also, you have to get your crap together because if not, you're going to lose your whole entire family. Do you want that? No, not really. I'm not sure you don't getting a hold of me.

1:07:42So if I can answer the phone, I will step away and talk to you all. But if not, seriously, I'm hoping I'll be done by eight tonight. So either way, all right? Thank you. Bye. I love y 'all. Love you too. Love you too. hard to navigate that conversation. It's always hard to tell people like, oh, you're on financial audit. So I should have just said you're on financial audit. So I apologize for that when you're watching back. But at least she knew by the end when you told her. Yeah, sounds like a sweet person. And by the way, thank you to your service. And it sounds like she was an incredible mom.

1:08:13She's done so many good things. You mean on the spectrum, is that an excuse for abuse? I've never made it an excuse. I know, she kind of was. I don't like this. Go live with her. Get rid of this piece of shit. sell your house you can't afford that you've paid me seven payments seven payments in two and a half years what are you doing okay seven

1:08:39don't give a shit about Adam he sounds like he needs to come on this show and we can deal with that but he needs to get his shit together your kids lives are not put below his yeah yeah no you're right Okay. Oh, I've never actually seen a literal page with repossessed on it.

1:09:05I 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. All you need to do is head to gamersubs.gg slash Caleb or click the link in the description below.

1:09:42I just launched the brand new Hammer Elite app available on every major platform. So you can watch every show anywhere you want. You'll get three exclusive dedicated shows every single day, Monday through Saturday. Refer a friend after you sign up and you get an additional 30 days of Hammer Elite access for free. Download the Hammer Elite app by using the link in the description or pinned comment down below. This is the best membership you'll ever join, and that's a promise. This has never happened before. What is this? That is my car that I got in 2024. That was the one transportation argument that they had when they were fighting.

1:10:19Anyways, that car was repossessed last week. Last week? Yeah. Last week? What are we doing? I had called the bank, that bank. You guys make money. You literally, together, you guys make money. We have no— None of this makes no sense. It doesn't. We have zero excuse for our finances at all. Zero, no excuse whatsoever of why we're in this position that we're in. So what do you drive now? A 2000 Honda Accord Coupe. You already had it? Yes. Why'd you have this car then? That was the car that I bought because I bought that when we split because I totaled my Honda. What were the payments? $9.62. Oh!

1:11:06It's another mortgage payment. What were you? 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+. What are you making when you split with him? I was making 52 a year at my one job and then another.

1:11:44Go get those jobs back.

1:11:48It was a very toxic job. I don't care. What's more toxic? The guy yelling at your kids or this job? This is true. Oh, yeah, it is. I was working from home with that job, so I didn't have to pay for child care. I was making 50. And it was toxic? It was from home. Log off. I was making about 52 ,000. How was it toxic? My boss wasn't the very friendliest. How? You keep saying. I'm glad you say things. Now, try to actually explain them. So I was an HR executive assistant. So what I did was I helped with the hiring process. I helped with all that kind of stuff. And it was mainly a lot of nepotism in that job, a lot of narcissism.

1:12:27Wait, wait, wait, wait, wait. Okay, how were they toxic? It was a lot of back and forth between who he said, she said. And what, what, you're remote. Tell me. Are you okay over there? Just burping. Okay.

1:12:42It was a lot. Like, I don't know. What? It was a while ago at this point. I quit in 2024. Oh, you're telling me it's toxic. You need to back that up. You need to back that shit up. What was toxic? I was told that, you know, I didn't do a lot of things, but a lot of my work got taken from me for another position. Wow. So you got paid for doing less. Yes, but they tracked us on everything that we did, and because I didn't have enough to fill my day. Were they threatening you with firing? If I didn't pick up my productivity, but then I would come back and say, I don't have enough. Go get that job back or go get a job similar.

1:13:13What the fuck? You make no money right now, and you just got your car repossessed. and you made seven mortgage payments in two and a half years. Go get a job, dude. What are you doing? So what's the balance that's going to be left on this or is this that now? Oh, you were past due$4 ,811. Yes. What the fuck is possibly wrong with you? Oh, yeah, that's your payment due. Shit. Yeah, it was$31 ,876 for someone that makes$1 ,700 a month. Whoa. Whoa. Okay. Okay, it's private market. Did we get the value of this car? Because it's going to be that minus likely the value of the car, which you're still going to owe.

1:13:55It's going to be under f***ing credit. It's going to get you under predatory loans and all this shit. What was the interest rate on this? I think 20-something. 20-something. I don't like when you speak. Sorry. Without being spoken to.

1:14:0820-something is crazy. Yeah, it was really bad. Jeez, you put yourself in a worse situation when you left him. I did. and I only got that car because I totaled my other vehicle because I fell asleep driving while it's worth$9 ,000 and you owe$31 ,000 on it it's only worth$9 ,000 are you sure that's the car is that the right car is that the right VIN do we have the right thing that might be what his truck's worth okay because I wouldn't be surprised if you bounced it up anyway from all the fees and all the shit oh my gosh that's a back payment and you owe. I can't believe you let it get to repossession territory.

1:14:45I tried calling them multiple times to kind of like work out a prepayment plan. A prepayment plan? A repayment plan. Where it's added on to the back? They only do that so many times. It would have only, I paid it back up at one point and then it got this bad again. Just like your mortgage. Yes. And then when it finally got repoed, I had called them and I said, hey, this is what's going on. Are we able to do something? And they said no. And they wanted about like$8 ,200. up front. That's what you owed. Yeah, up front to take the car out and get it back. That's what you owed. Yeah, but they did not want any type of payment plan to even get it back.

1:15:21Oh, yeah, because that's what you owed.

1:15:27I'm really surprised by this. I'm not. I was not surprised. What are you talking about? Well, I don't know what it's going to be owed. You're probably going to owe maybe like half. Who knows? You're still going to have to pay that. Who knows? Maybe they'll come sue you for it and they'll garnish your wages.

1:15:46That's the last statement, I think, of the same car. And here's your checking account. You started with$5 and ended with negative$168. Shit. What are we doing? I need you to be independent. You're nowhere close to that. You're going to be trapped in this situation with this piece of shit forever. Ever. Negative$163.98.

1:16:19I mean, you're getting like energy drinks or something. Energy drinks, I don't know. You stop at the market and get that$2.66 thing. So the thing about that is that is the joint account. So my card for that joint account does not work. It's only on his card that works. And he has the card to that. But I have to... This is all his spending? Yes.

1:16:44You do not get free gamer subs. Go f*** yourself. But for everyone else out there, get gamer subs. It's 40 cents a serving with my discount code. Get your free samples. Figure out what flavor you like with the code Caleb. Link in the description below. I highly recommend Caleb Hammer's Liquid Assets. It's the best flavor because I made it myself. And I wanted to get the best flavor. You can get one. Are you an energy drink person? I am the energy drink person of the group. Well, here you go, girl. That's all you did. Nice. They're delicious. Seriously. I will not put, like, all the blame on him because I do have his version of the drink card.

1:17:17Of course not because you do spend money and you are not going to be independent. I need you to be independent out of safety. Bullshit. Bullshit. Prime video. Overdraft protection. Fuck me. You'll see a lot of those on there. Oh, I bet.

1:17:37Bullshit. McDonald's would draw cash Chick-fil-A overdraft.

1:17:46Overdrafting for Chick-fil-A is what we're doing. But you can't even get out of the house from a man that is next to borderline beating you.

1:18:01Interesting strategy. you. Can't say I've done it myself.

1:18:09$5 in his check-in account. It's a joint. Goes back and forth, I guess. He's paying for Snapchat. I don't even care if he's shooting. Who even knows? That's just me restoring streaks with one of my friends. You've only cheated once? Yeah. I'm surprised. Honestly, you're the first person ever. I'd say go cheat as many times as you want. Go take that dick. Just wear a condom. How do you feel about the cheating? I don't care. How do you feel about it? It hurt me, of course, but I mean... Unfortunately, it hurts you enough to hurt you, but you haven't changed yet. So there's that. Four years of nothing, man, I don't get that.

1:18:52We all make mistakes. I'm willing to forgive almost anyone's past on anything if they grow as a human, because that's just life. Not everything's Twitter and TikTok. where hold them accountable from five years ago. Yeah, I said a rude thing online. Cancel, cancel. No, people grow, whatever. That's what the normal person thinks, okay? Yeah. You're not growing. You refuse to see therapy. Well, yeah. Well, you denied when she said, let's get therapy. Yeah, and then a couple months later, I asked her if she wanted to go therapy because I realized that my choice was wrong. What happened? Like I did with her, she ignored me and basically said no.

1:19:31Because I was at that point where it was, I didn't think that he cared at all. And even when he said that he wanted to do therapy, one of his favorite lines is when he's yelling or when we're arguing is that he doesn't care. So that's always in the back of my mind. Well done. You don't care? I say that when I get angry, but I do care. Again, there is nothing wrong with getting angry in a relationship and even raising voices like here and there. I mean, I'm not saying that's a good thing, but you'll find that in basically every relationship ever that has existed. Screaming, throwing things at children, at this stuff, throwing things, banging things around, making holes in the wall, that is not okay.

1:20:15She also never really apologized for cheating on me. So? Good. She did it because you were abusive, then she came back and you're still abusive. I don't give a shit. Go fuck yourself. Do you apologize after every time you scream at the kid? No. And why do I give a shit that she hasn't apologized? She admitted in this conversation she's only here because she can't get away from you financially, right? You know she literally said that in this conversation. Yeah. Why the fuck would she apologize? Why do you expect an apology? I don't know. Huh. Why haven't you apologized? In my own way, I have not apologized.

1:20:56either, that being said. But I am sorry that I did cheat on him. Why? Because I should have done it the right way. I can agree with that. I should have did it the right way. I 100 % take blame for that. But at the same time, I was not in a very good spot mentally-wise, and I was afraid. So I thought it was the better way out. Now, would you still be with the second guy if he didn't get a DUI instead of him? Probably not, no. Not very confident on that one. McDonald's, energy drink, PlayStation? Oh, what's wrong? PlayStation,$20. United Distribution,$2.40. Probably some bullshit. Vending machine, maybe.

1:21:43McDonald's, bullshit. Snapchat again. He's getting Snapchat a lot. What the fuck are you paying for on Snapchat, little freak? My streets run out with my friends that are like over 1 ,000, so I just pre-activate. With your friends, yeah. You should go look at them. I mean, I can show you if you want. Maybe just go live with them. Chick-fil-A, Arby's, Checkers, smoking some vapes, getting some energy drinks, Checkers, Snapchat again. Crazy. Energy drink, energy drink, Chick-fil-A, Domino's, Fabletics, Chick-fil-A, exchange, exchange, exchange, McDonald's, energy drink, energy drink, Snapchat, energy drink, energy drink, Energy drink McDonald's Energy drink Energy drink Chick-fil-A McDonald's Amazon Energy drink Oh McDonald's PlayStation Bullshit ATM withdraw Usage fee Bullshit Chick-fil-A Another vending machine Bullshit Energy drink McDonald's Arby's What is that?

1:22:45A vending machine? Who knows? Bullshit Bullshit Bullshit Bullshit Bullshit Bullshit Chick-fil-A Snapchat again Web Would you even care if he cheated on you right now? I mean, it would hurt me just because I know. You guys are cucked. Bullshit. Energy drink. Snapchat. Bullshit. Handy games. What even is that? I don't even know, to be honest. You're the only one that does the game. Yeah, I know, but that doesn't ring a bell with me. Energy drink. Energy drink. Amazon. Amazon. Energy drink. Energy drink. Energy drink. Energy drink. Chick-fil-A. Prime video. and bullshit or something. I don't know.

1:23:26Energy drink, energy drink, energy drink. Premium McDonald's energy drink tobacco. Oh, if it isn't, you know,

1:23:40like seven over Jeffies. Oh, there you go. That's hot. Why did you get with him in the first place? How the did you fall in love with this? In high school, right? Yeah, it was high school. How? What the fuck is it? Small town? Yeah, we do live in a small town. We met while we were in orchestra, and we had a lot of— What did you guys play? I played the violin, and he played the bass. Okay. What did you see in him? We did a lot of after-school stuff when it came to orchestra and stuff like that, and because we lived in a small town, it was only a certain amount of us, so it was a very small fishing pool.

1:24:19Fishing pool? No. I don't know. Well, you're behind in your truck. I'm glad you're paying for Snapchat, but not your truck.

1:24:29$382 a month and 42 cents with a balance,$4 ,721.95. Oh, total payment due because you're past due to payments. You owe$1 ,147. Why are you behind? You make good money, and this is an interest rate below 3%. I'd want to keep this. What the f*** is wrong with you? Go live in it. I just haven't paid it because we're paying either other bills or What other bills? No you're not You're actually not paying your other bills Our electric and our wifi And how much is that? The electric's like, well this past month was like$700 You make$6 ,000

1:25:09Nothing, it goes back to literally all of those little eating out and everything the majority of the eating out and the vaping neither one of us smoke we buy it for Adam Adam's done yeah Adam's out if for some reason you guys stay together which no please do not Adam's gone tomorrow no give him a month a month to get his life together he has a full month he has fair warning and if he chooses a tent that's on him

1:25:44or do you just want to live with your best friend He's choosing his best friend over you and your kids, by the way. It has very felt like that. No, it's not feeling. He is. Like, he is. Like, every action is showing that is true.

1:26:00Okay. It makes me want to cry. No. Leave. Pass to on something that is valued even a little more than you f***ing know. Capital One. It's closed. Is it in collections? $3 ,786? Yes. Hmm. Okay. Why'd that go to collections? Again, you guys make money. So a lot of my debt was my mom. What? She would use my stuff, and she racked up some bills, and she always said that she would pay them and has not. Jeez. And how long did it take you to learn that lesson? A while. Have you learned that lesson? Yes. Good. Don't never give other people your debt. Okay?

1:26:55Yeah. Okay? Okay. Jeez. Did you guys forget you were in a podcast? 4 ,966 on another discovered. Did she rack this up too? Yes. That is currently garnishing my paycheck. Yeah. Consequences of your actions. Who keeps farting? Not me. Not me. I know fat people farts when I smell them. I'm not farting. I pass gas. I mean, I would tell you if I did, but I haven't. Would you even know? Dude, you've been expunging this whole episode. Okay, one of you is just a stinky individual.

1:27:25Verizon. Well, the garnishment of your wages makes sense why the f*** your wage is so small before it hits your account. $2 ,666. Is that garnishing? No. It's in collections, Verizon. You just didn't pay it.

1:27:42on the Verizon that's from like the guy that you cheated on him with, right? Correct. Yeah. Because he refused to help pay for the bill. Yeah, you just, you pick the winners. Another collection, $873.

1:28:01Okay. I guess it was Dell. We bank Dell. So you had like a Dell financing? Yeah. What is this? Insurance paid. So you owe it to medical, 1 ,807? Yes. Have you got an on payment plan? They'll do very small, typically. Not yet. That is from our recent baby. Okay, I would call and do that. Okay, retirement 1 ,055. Who's that? Mine. And you have nothing? Yes. I don't give a fuck about you. I'm not doing anything regarding you. Here's what to do. Step by step, and I will do a budget. But step by step, you kick him out, you put the house up for sale, you kick Adam out. You learn to budget, because when you sell the house, you will pay off your debts, have a fully funded emergency fund, and focus on your career.

1:28:57While you kick him out, while you sell him, while you learn how to budget, while you build up your emergency fund, you are living with his mother. you are taking care of the kids in the first peaceful household in their life in the history of their life yippee maybe you do that for a year maybe two years you build up your skills your certifications whatever you can do you hunt for a career you get a good career then you can move out and you have a place for you and your kids you start dating someone the only way he ever gets back in is with years of therapy and showing and proving that he is changed and has coping mechanisms and is medicated and everything other than that he's never even coming close to the kids, unless it's court mandated.

1:29:37And then you find a man through dating, okay? That's how this works. Your rent will be zero living with her. Your food will likely be zero, but I'll have you contribute$500 towards it. I'll have you contribute$300 towards TP fund. Your medical health care, you'll get on Medicaid. You'll get on assistance. You'll do what you need to do. Child tax credits will help you. What will your phone bill be? What is it? My phone is paid by my dad. Well, what the... I thought they weren't in the picture. Your debt payments, you will have maybe like 50 bucks for the medical, but that's pretty much it. Don't give a fuck about his truck.

1:30:15You'll have car insurance. Let's just assume it's like the worst, like pretty bad. Nah, mid, 250. You might have to get a car loan. Let's say you have a car payment of 500 bucks. You'll get a 10 ,000-hour car, not a 30 ,000-hour car. Then you'll put, maybe you actually do a cash car. That was my current plan. You'll do a cash card from selling of the house, but only still 10 ,000 hours, multiple mechanics approved. Medical health care, let's put an extra$200 there. Let's do$100 for subscriptions. How many pets are you going to take with you? Got to prioritize the kid over the pets. It's a sad day, but it's a real day.

1:30:53I do know at least six of the cats, they need to go. How many will you take with you? Probably two. Okay,$100 pet insurance,$100 to take care of the pets. Once you learn how to use this budget, then you can have access to the funds of selling the house, then you can pay off your debts, then you can set the rest aside for an emergency fund and catching up on retirement for anything that is left over. But you'll be budgeting off at$1 ,600 a month, which you can even do today, barely. If you prove you can do it, I will allow you to sell the house. But other than that, kick them out, you're done, okay?

1:31:28It's... it's okay it's it is very much i am going to call adam in the puff show i am so done with this dude let's get your hammer financial score leave him immediately oh and lindsey and brandon are gonna absolutely ruin your life in a few minutes in the post show let me tell you they're gonna cook you to death especially since they have more information than i even have because i go in blind but they know everything spending it about guys your hammer fun oh no there is real estate retirement's one spending a budget debt emergency phone that's all zero real estate that's you're just behind so that brings it down dramatically give you a three out of ten just the best there and financial score get you updated one at caleb hammer.com yours is a one out of ten now join us for the post show i'm gonna destroy adam and they are gonna destroy them with even more information they have three premium shows every single day six days a week best membership on YouTube, best network by far.

1:32:26So check it out. Join with the join link or the join button down below, or you can download the Hammer Elite app or hammerelite.com. See you there. Okay, call them. You have been carried by these two individuals. It is time to grow up, develop some skills, build a resume, get a job, and get the out of their house and pay your own bills. Your friend is kicked out because he's abusive and you're kicked out because you're a loser. I just launched the brand new Hammer Elite app available on every major platform. So you can watch every show anywhere you want. You'll get three exclusive dedicated shows every single day, Monday through Saturday.

1:33:05Refer 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.

1:33:35Go to calebhammer.com slash apply or click that link in the description below.