The Craziest Reveal In Financial Audit History

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24:54She's like, girl, you've been on Snapchat a lot. Like, are you seeing somebody else? And I was like, yeah, I definitely am. What the f***? His name's... This is crazy. And she goes, go, get it. Like, I don't care. He's a loser. I completely understand you're doing what you're doing. His mom then reached out to his sister and was like, hey, just so you know, like I just want to know is is cheating on or is yeah just cheating on on Jacob and she was just like yeah yeah she is and she was like only unhappy people cheat there's I get it only unhappy people cheat what the fuck is this enablement this is crazy I mean I agree maybe you should leave him but cheating is still just leave don't cheat leave well that's my conscience started eating me alive so I I went to him and I was I laid it all on the table.

25:43I was like, this is how I feel. Things need to change, obviously. Like, I'm unhappy. And the next morning, he had downloaded, like, six dating apps. So he told me exactly where his head was at as well. Meanwhile, we get home from work, and she's having phone sex on FaceTime. I did do that with the guy from New York. So after you admitted to cheating? Yeah. And you didn't say stop. At this point, we're no longer together. Oh, you guys broke up officially in that moment? Like, we still lived together, but, like, at that point, we were no longer together. Oh, my goodness. What a f***ing mess. Okay.

26:19So, you just started having people over and f***ing them? Oh, no, I never. No, no, it was just all on phone. Yeah, it was all phone. You? No, all on her phone. No, did you? No. You guys broke up. I mean. Oh, no, he couldn't pull girls. No. Really? Yeah. It's not difficult. I mean. For him, it was. Shouldn't be. Being the wacky weirdo. Yeah. You're the wacky weirdo. No, you're just a loser. I mean, yeah, but. I haven't seen any wackiness yet. You're lazy. Where's your wacky? Wacky is fun. Lazy. Wacky weirdo. I mean, I'm just a weirdo. Is he a wacky weirdo? No, he's not. That was the weirdest description of him.

26:50He's just a loser. No, I'm weird. Like, I don't know. No, he's just a liar and a loser. I mean, I'm inclined to agree. I mean, I'd rather not use dating apps. I'd rather just go to somewhere where it's open. So do that. Okay, how long have you guys... You had an AI girlfriend. Great, okay. Did you really? He did. Her name was Haley. She was a blonde. A curvy little blonde. When did you have an AI girlfriend? You pathetic.

27:23When? March. Yeah. This year? This March, yeah. Were you guys together at that moment? Yeah. Did you care? Yeah. But it wasn't like, oh my God, you're cheating on me. It was like, oh my God, you're a f***ing loser. Like, I'm embarrassed. What the f***? Like, I'm not completely ugly. You sure about that? You sure about that? And this is what you're choosing is some AI girl? What the f*** are you guys? What the f*** are you guys? Okay, so last year you cheated. You guys broke up. How long were you guys living together but still together? Wait, total? Yeah, how long did you guys stay separate? So we split beginning of December.

28:05Last year? Late November, yeah, 2025. When did you guys get back together? Late January 2025. Mid-January 2025. And since then, any cheating besides AI girlfriends? Not that I know of. Would you admit it? Now, based on your history. I mean, I would admit, yeah. No, he wouldn't. No, he wouldn't. No, you wouldn't. Based on your history, there's no way you didn't send nudes around the base. No. Is there a reason? Can you get dishonorably discharged post? Like, if you told us now, could you face consequences? I don't think so. Why are you not on disability? Because I haven't gotten to the VA. Because he's lazy.

28:36Wow. Too lazy to even do that? That's so easy. It is. Say that you're having like dick issues and you get. I mean, I have feet issues. Oh my God. His feet are disgusting. If you were to show them on camera, you have to censor it. Is it because of the military? Yeah. Yes. You want to see my feet? Yeah. It's disgusting. If you show it on camera, you're going to have to censor it. If I whip it on the table, you're going to need disinfectant on the table. Keep it on the outside. The next guest can deal with it. I mean, I can go around here and I can show you. I know. I need this to see it. Whip it.

29:06I'm going to see it. Oh God. Oh, don't touch me with it. It's actually disgusting. I've been telling it. It's the same with the other foot too. How? They look the exact same. How did the military cause that? No, no, no. He didn't take care of his own feet when on a ruck march. So while he was in the military, he can blame it on the military. On one march? He's just not hijacking. So when I was in, just in general, just going around and wearing the same boots, in California, there was no showers. There was no nothing. You couldn't, like, you were basically just. Yeah, but does everyone else have those feet?

29:54I mean. Uh-huh, exactly. So no one's been on the dating app since January. No. I mean, like, I still have Hinge, but I haven't been on it. All mine's deleted. I haven't deleted it, no. I still have it. You guys are creatures. This is becoming a cheating audit. I swear, what are we doing here? Hinge, just search Hinge. What's Shifty? Our work app. That's how I get my schedule. Oh, I got to log in. Well, for what it's worth, she's logged out. So how many cheats did we do in total? I'm sorry, you cheated on a guy with him with a guy. Yeah, that was it. That's all I've done. Four, I'd say. You guys haven't been that long together.

30:38So, wait, what are the four? What are the four? So there's the FaceTime. Are you counting that? Yeah, the FaceTime, the military, AI, and then the other one. So what's the other one? Who's the other guy? He's gay. He's a little queer. I always suspected he was a little gay. And then when he realized he couldn't pull girls, he started pulling guys because I don't like butt stuff. Because I think it's gross and it stinks and I feel like I need to shower. Even though I'll flip her over and eat her ass. That's fucking disgusting. You're fucking disgusting. When did you get with a man? I never really got with a man.

31:18It was just more sending nudes than anything and FaceTime calls. When? I never. So you were jerking off with dudes over FaceTime? Yeah. Okay. When? November. It started in November. It went until March. Of last year? So yeah, we split. It went into March. It said you got back together in January. It was January. It was the beginning of January. How do you feel that he's, you know. I've always suspected it. His sister thinks he's gay. No, I'm not like. How frequently do you guys have sex? Like maybe once a month. If. If. Well, he's gross. And I'm like, that's not me trying to dig on him. But like, he's a mechanic.

32:00He doesn't shower. His hands are disgusting. I don't want him touching me. I have pH balanced parts that he doesn't need to be touching. And I have to get her in the mood. Oh, okay. So who? Okay, believe the name. Does he go by in your snap? Mm-mm. Who's? So that was one of the guys I matched with on Hinge prior to. I haven't, if you look at it. On Snapchat, it's right there. I haven't opened them. If you look at it, I haven't opened them. Yeah, in four weeks. Swipe over. There's more than just four weeks. You can open them. You can open the messages. Who's Marcus? That was one of my best friend's husbands when we lived in Tennessee.

32:40Who's Iceman from two hours ago? So that's somebody I messed with prior to meeting. Why'd you message him two hours ago? We talk all the time. We never stopped. Do you care? What the f***? This is insane. I just know that because I know the whole story and the whole scheme. I mean, he lives on the other side. Wait, what the fuck? It was videos of his dog. It was videos of his dog. Saw them this morning. Yeah, Jacob. Now, why is he sending gin pictures of himself? Because he's a little hoe. A couple days ago. I bully him, and he likes me. She bullies him. Flirtatious. It is. You don't consider this cheating.

33:16And again, he is a man that is jacking off with other men, and that doesn't... I think it's weird. I don't care if it was gay or bi, but does that concern you as the woman who was with him? Just because I think you're a little, like, I think you're a little closeted and maybe you should own that and move down a path that you want to do and not waste my time. Oh, my God. Wait, hold on. Whoa, you guys have been, this is just in the last few hours. Yeah. You guys have been chatting constantly. Oh, I think he knows that you're on the show right now because he just responded to LOL to the screen recording happening.

33:46Probably. Dude, he is very active. He is into you. This is the four weeks ago step. I listen. It's a... That's why I stopped talking to him. I clicked the button. It's a dude jacking off, which you like. Oh, this is what he looks like. He's a little freak. He's a little weird. That's why I stopped talking to him. Yeah, but you got with him. No, I never got with him. He sent me more. That's why I never got with him, because he was fucking weird. He was a weirdo. That's why all of his messages were left unread. I apologize, video editor, who's getting this snap. You just saw a big dick. That was like a normal dick, but either way.

34:25You don't give a f*** He doesn't care He doesn't care about anything Like I could literally Sleep with another man In our bed And he'd be like Okay as long as like Well that might change Huh? That might change What? Bringing another man to the house You'd like it No Okay That might change what? You caring? So that would be too far Yeah Even though you would like To have sex with him No He's a bottom No I'm not I'm a top Do you know? Yeah You've done it I've always No I've always been taught No, that's a lie He's entirely lying right now Tell me Because when he was talking to the guy that he was talking to, he had mentioned that he is the bottom and likes to be the bottom so they're going to be conflicting Jacob So you couldn't be with a bottom because you'd both be bottoms You want a bottom Hey, someone got to do it Don't be ashamed.

35:25Don't be ashamed. Who cares? Be the bottom. Take the dick. Take the dick. There's no problem with liking what you like. Like, I am not. No, I wouldn't necessarily be trying to continue a relationship with the mother and my child. If you want to just go take some dick. Are you guys open? At this point, no. But it's... This is so confusing, guys. How are you doing things? Okay, let's see what... Um, sent. Okay, she's snapping with the f*** currently. Honestly, I don't even know who the f*** is. Well, you're snapping with him. Uh, continuously, let's see what the f*** sent. Okay. I do know him. I know him from high school.

36:11Why are you talking with a guy from high school? Uh, so I had, I had kicked the f*** out of the house, but I had left myself because I knew he wasn't going to leave. and he had messaged me so we just started talking. And what did you send? Oh, he had messaged me like a hi so I was just like, hey, question mark. You sent a picture though. Did I? Yes. Oh, I don't remember if I'm being completely honest. JJ Rab. So most of these people I hinge and then I just stop responding. This is a couple weeks ago. These are all a few weeks ago. Well, yeah, I'll like open their messages and then I never respond most of them.

36:48No. No, those were received as in you sent them pictures. Oh. But you don't give a f***, so it doesn't even matter. So there's no reason for me to even care, right?

37:04I mean… So I guess you would care if he cheated on you, but… To a point. Like, it's at the… What do I do with this? You guys don't give a f***. It's at the situation. So leave. It's happened so much. Leave for the kid, guys. But I don't feel emotion from it anymore. I'm just not surprised anymore. Okay, so when you guys have sex, he has to make a move on you. Yes. You have no sexual interest in him. Barely any, yeah, at all. Leave. Leave each other. Go get the dick of your dreams. And go get the dick of your dreams. I don't understand. You guys are together for the kid, but is it even good for the kid?

37:44No, I don't think it is at all. No. Oh, so what are we doing? Is it a budgetary issue? I mean, at this point, yeah. She makes nothing. I think it's— You could live on your own. I mean, I could. No, with the things he has to pay off, no, he couldn't. Yeah, but he could go bankrupt and figure it out. It's not the end of the world. I mean, I could still figure it out. The only reason he is floating right now is because his mom helps pick up all of his bills because he lives with his child. That's the only reason she's willing to help. Yeah, but again, if we can get rid of his debt, he could live on his own.

38:15And you couldn't. I mean, both of you told Devin. I mean, that's why she also put an application in for housing. Oh, you have? Yeah. You're ready to leave. Yeah, I'm approved for public housing. So you're done. This is my last ditch resort of if he can't get his shit together and stop hiding shit from me. But you're not attracted to him. It's not that I'm not attracted to him. He just needs to take care of himself. No, you said you weren't. Sexually. Like sexually. Well, that's a big part of a relationship. It is. I just think he. It's not the make or break for everything, but it's like if there's so many things going on, if you're just straight up not into him.

38:50Like, I don't care that you guys' sex life is low, but if one is just straight up not into the other person, then what are we doing? I don't think, like, I'm not just not into him. I just think he's a gross man. That's what you said. What else does that mean then? He just, like, he needs to shower and take care of himself and care for himself. Because, I mean, when we're in the behind-the-scenes conversation, we know what he's into. He's just talking off the trans person today. Yeah, you're right. I know. How do they care into each other? And that's what makes me think, are you gay or do you just like something in your ass?

39:25Because he's looking at women who have dicks. So do you just want something in your ass or are you actually gay? Wow, Jacob. I mean, it can go either way, but it's just more of a switch. I don't know. You're a verse. A verse king. Like you get like bored of something and then you want to like, you want something else. Okay. Why not incorporate that into the bedroom? Talk to me. I didn't know. She has toys for a reason. I do have. Yeah. I have stuff. He just chooses not to like. Get toys. Put it in here. I literally asked her to. Oh, no, no. Yeah. I won't. I won't touch that. He can do it to himself.

40:03No, no, no, no, no, no. Okay. I think that's gross. I think it's gross. It is. I don't want any part of that. It is. It's literally a kink. It's sex. It is. No, I get that. If you love him. I also asked her if we could do like, have like on the background so that she keeps her head like in the game. And she says, yeah. I just think it's, I don't know. I think that's weird. I personally think that's weird. I don't know. I don't know. Okay. Okay. But if you do leave, and again, you make no money here, I'm being told you have another man on standby.

40:41Yeah. And he found this out in March. There's a letter. Let me see the letter. What's the letter? Oh, it's an actual thing that's here. Yeah. Oh, my goodness. Okay, let's see. So this is from our co-worker, because I got him a job. Our co-worker? Yeah, so the dishwasher job he got, I got him that job. And you probably don't give a f*** about this letter, do you? I mean, I do, because it's just more of like... My co-worker wrote that. For Caleb, don't open till audit. So have you guys not seen this? I have no clue. But I have a general idea because I know what her opinion is. Okay, this is interesting.

41:13For Caleb, don't open tell. I mean, it's her little parrot. She's not my little parrot. No, she literally says everything. She will say words to her, and then she'll come back at me and say them, and it's the same exact words, just a little different. No, she just has very strong opinions about it. Jacob. Jacob.

41:36Holy shit. strap in folks get the cozy fire going and everything it's story time

41:48my name is and i am her well actually i guess you knew the fake name remy and jacob's co-worker and chads chads is that the other guy no that would have been that was gonna be your fake name yeah but i am remy and jacob's co-worker i would like to start by say one thing Ew. This man, if that's what you want to call him, is the most disgusting, worthless, waste of skin I've ever met. Thankfully, I've only had a few encounters with him, but that was enough for me to see who he really is. Jacob works nights, so I don't have to work with him too much. To be honest, I don't know that... To be honest, I don't know what that...

42:37to be honest i don't know that what he does can be considered work he just stands around staring at me he does check her out yeah no yes he does yes he does he wants her to stick it in his ass there is not a single thought behind his beady little eyes he just watches the way he watches is the way a wolf watches its prey i've caught him multiple times but unlike a normal person he doesn't look away he doubles down he looks into my eyes one day he came in as a customer and he sat at the front and watched my every move for over an hour best part is i got fed up and folded and told him to stop because he was creeping me out and he tried to lie and say he wasn't even looking at me.

43:34Yuck. I was so upset I had a breakdown in the back until he left. Remy also told me she had caught him checking me out right in front of her eyes, which isn't surprising since he admitted to her face that he found me attractive and he had feelings for me. He's well over five years older than me, by the way. I'm 21, 26, and I'm like, oh, what the f***? Why is she like a weird victim? Yeah, I don't know. Girl, you had me until you acted like a weird TikTok, Reddit. Like, ugh, five years older than me and we're consulting adults. Oh, my goodness! I just got... Like, what? Shut the f*** up. I tried just being a b***h to him and thought that would make him leave me alone.

44:25Instead, I found out he's into that. What kind of man gets off being treated that way? For what it's worth, some people enjoy brat play. Yeah. Not me, but some people do. Obviously, I stopped doing that, and I stopped giving him attention of any kind. He hates it. I know how badly he wants attention from me, and it's gross. truly boy behavior. But that's Chad for you. You. A creepy, lying, worthless, deadbeat dad who gets off being degraded by a younger coworker who hates his guts. No one gives a shit about this younger thing. I know your frontal lobe's not fully developed, so you're... Then don't have a job.

45:15But besides that, you're right. With all the hate for Chad, Remy, and Chad's coworker, P.S. Chad is always late and makes Remy act as his mother and tell our managers that he'll be late. He can do absolutely nothing for himself. Very embarrassing if you ask me. Remy, on the other hand, has never let me down. I love her with my whole heart. XOXO.

45:44Which I only asked her that one time because I was busy. Why are you staring at her while admitting that you're attracted to her to her? She says that I have feelings for her. No, no, no. You admitted it to me when we were on our break, and you were just like, oh, yeah, I think this is cute. Show me a picture.

46:03I better not say anything because I'm 10 years older at that point. I'm basically a... We're not friends on Facebook. Just look up a name on Instagram or something. Oh, I probably could have found her on Instagram. What? That does not, like it doesn't look like her. Her doesn't look like her? No, honestly those photos don't look like what she usually looks like on a daily basis. Brandon, can you come look at this Down Syndrome woman? And uh... You're into... She's got a dump truck. Let's be honest, the cost of living right now is absolutely insane. But if you are out here leaning on credit cards just to buy your groceries and fill up your gas tank, You are literally paying a 20 % survival tax and high interest debt just to exist.

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48:07Click the link in my bio to take a short quiz. You may be entitled to a potential recovery of over$1 ,000. But, okay. But if they have extra chromosomes, you don't care as long as they got a dumpy.

48:24She looks... I mean, I'm sorry. She looks... Like, don't blur it, but I'm showing the room. she looks yeah okay

48:39okay I don't know why we're fighting over her at least she looks like a human not an alien okay whatever but listen I started this conversation with like he lies to me and like it's the financial line is what I thought we were going to go into I didn't know there was all this cheating shit but I was going to ask you how you guys manage the finances in the household, and I guess I should know. What does he lie about finance-wise? But I think as clear as day, we've established, guys, just literally, don't be together. We're halfway through the episode, and we already know for a fact, don't be together.

49:17Like, we know this, right? Yeah. He also said this episode was going to be his last straw, by the way, in his own separate interview. Oh, good for him. I don't know why it would be his last straw. Why would it be? It sounds like literally she takes care of, I mean, you pay for the bills, I will say that. I mean, that's kind of like why I'm still here, is for the bills. Yeah, right? It's the only reason you keep them around, right? At this point, yeah. What the fuck? So am I just creating a separation plan by the end of this? Like, what are we doing? How do the finances work in this house right now?

49:54So right now I pay our electric bill and then like our subscriptions. He pays all of our bills. So everything's separate, 100%. Yeah. And that's how we like it and probably should certainly keep it. No. So if we were to stay together, I would prefer everything coming out of our joint account. Have you not heard this conversation so far that's even a consideration for you? A man that literally, half the shit he's just said in this episode, you learned for the first time. The issue is because I can't see when he makes large purchases or when he does something behind my back. I don't have access to his bank account.

50:30So I don't like when he went out and bought a gun behind my back. I didn't know until I found a receipt. Do I trust you with a gun? You shouldn't. He leaves them like three inches above the ground for my toddler to grab. Unlock. Give me a hell yeah. You know many kids kill themselves because of that, right? It's unloaded. She can't clock it back. No, that's, there was, there were bullets in the magazine and you left it three inches above the ground. Like I have a picture of it. Like that is a very freaking story. I'm a gun owner. I like guns. I'm not anti-guns. No. But I am anti-bad gun safety.

51:09I got him a gun safe. Like he has a box for it and actively chooses not to use it. Well, I also leave it in my car. Yeah, he'll just leave it in his car. for anybody to break into his car and take. Well, not exactly, but I normally take it out of my car when I leave my car. This kid's going to die. Like actually, it has like a halfway decent chance. And you hid the purchase from her, so she didn't even know this was happening. You just had to wait until you found it when your kid was touching.

51:38Basically, that's exactly how it happened. That's how 90 % of all of his purchases happen, is I just either find it or get a random statement in the mail that I'm like, what is this? And how much did it cost? Seven. 700? That's pretty juicy, dude. It was definitely 700. That's pretty juicy. Oh, you drive around without car insurance too? Yeah, yeah. Oh, the kid doesn't even have insurance. The kid doesn't have insurance? Yeah, so he... What are we... Guys, this is honestly one of the biggest messes and disasters I think I've ever seen. Like, it's actually crazy. So he chose to purchase a large amount of tools instead of getting her insurance.

52:24So instead of putting the$400 a month into his company insurance to cover our child care, he decided, because this is what I've been thinking about for months. Insurance? Yes, our insurance. Is that not how you say insurance? Is that not how you say insurance? How do you say it? Insurance? Thank you. That's right. I don't know. He chose to spend money that we should have budgeted for our insurance to insurance to tools. Instead of making sure our kid who was having seizures had insurance. What? She still had insurance at that time. She had insurance. She was on state insurance. What is she now?

53:14State insurance because we got kicked off of state assistance. I started making more money and you only get up to that$4 ,000 for state. We would have stayed on state assistance had he put her on insurance because they factor the amount that you spend on your bills and insurance to your income. and had he paid for the insurance, we would have still qualified. So we lost our child care payment. We lost our – well, that was also another reason why I wasn't because we weren't paying for child care. The state was paying for child care. We lost our insurance and then we – what else did we – oh, our food stamps.

53:57Food stamps. Fuck me. Guys, what are you guys? Aliens. Had he paid the insurance, we would still have our child care covered. We would still have our food stamps. Meanwhile, I was still waiting for my 90 days, and then that's when insurance got cut. But he chose to buy$600 a month worth of tools instead of insurance. Oh, my. Wait, the DAC? You have tool there? Mm-hmm. Oh, my. You're not one of the—I haven't had those in forever. Oh, my goodness. I thought we just stopped doing it. I thought we moved on as a society. You're easy to sell to. Mm-hmm. Mm-hmm. Yeah. Check the hat.

54:37You have a snap-on hat. Snap-on hat, snap-on socks, snap-on hat. Why do you not? Jacket, I have a vest. Which he hid at work. I didn't know he had all of that. Jacob, would you be with her if you didn't have the kid? Am I on a companion? Like, I mean, yes. Why? I guess because she mothers you. It's easy. I mean, I'm still attracted to her. I still love her. Would you be with him without the kid? No. I mean, it's the codependency is the only reason. And I also think it's a lot of I feel guilty because all of his family lives out of state and he moved to my home state. Yeah, who gives a f***? If you guys aren't...

55:22He's the one that can go get an apartment. Yeah. This is f***ing insane, guys. I really don't understand. Okay. So the state of the relationship is... Complicated. Yeah. Like a Facebook status. We want to try to work it out and everything. I think you do. I would like to see our family work. It's like an 80-20. But I have very little doubt. I have a family. This is a weird mess of insanity. In all honesty, she talks to my family more than anything. Yeah, his mom just set up a trip to come spend time with us. I literally keep co-dependency. That's what she said. It makes sense. It fits into why she won't leave, which is honestly pathetic.

56:04The thing is, buddy, why don't you want a better life for yourself? I'm so confused. You don't want a better life for yourself in any way whatsoever. It's less stress. Wake up, go to work, come home. Isn't it actually more stressful, though, if you don't get a better life? No, because he leaves all the stress to me. Like, he doesn't stress about it at all. I do 100 % of the stressing for our relationship. See, I don't pay attention to where money goes. I just go,$20. Because mommy's there as well to bail you out. What do you guys think your household financial score is today? Zero out of 10. Zero being the worst, 10 being the best.

56:40Zero. Yeah, between a zero and one. Well, get yours for free at CalebHammer.com. Your Hammer financial score knew and improved so you can see where you stand in different categories. So if you've taken it before, take it again. See how you've improved, see how it works, what you need to do to improve. It's free and it just takes a few minutes. And if you don't want to be like a guest who ends up on the show, make sure to download the Dial-A-Wise budgeting app, the one we made specifically for you guys, for the average, everyday American. Check it out, get your free trial, see if you like it. And most people do, and they take the annual version because it saves almost 50%, and you get the physical version of my 30-day meal plan signed by me, mailed directly to you, and the digital version of the cookbook as well.

57:16So check those out, guys. Check those out. Okay, so his mom. I mean, we talked about the money. I thought she was gifting you money. Why do I see his mom$8 ,000? Because that's the money that she paid for into my motorcycle.

57:34Do you have a car and a motorcycle? I have a truck, a car, and a motorcycle. Get rid of two! Get rid of two! So the issue with getting rid of any of... Listen, I'm all for it. I made him list his car because we couldn't afford bills. Which is our only reliable vehicle for him. His truck isn't worth anything. He owes more on the truck than what it's worth to sell. And the motorcycle, if he sells it, he owes all the money to his mom. Because if he sells it, she is claimed. So I'd make nothing off of it. Good, though. You owe her the money. pay her off. Is that not a moral thing to do? But you're not a moral person.

58:07That doesn't pay off the bike. Right? He's saying that that's because of the bike, and that's not because of the bike. She blatantly said that you don't owe her because of bike stuff. You owe her more if you do sell the bike. So it's more like$12 ,000 if you end up selling the bike. That's just her picking up your phone bill and paying your negative account. That's not your motorcycle.

58:35Yeah Nothing Nothing Get rid of it then which one motorcycle truck really I mean and yeah you're gonna have to pay a little extra why the f*** not what's the reasoning dude just cause it all goes back to your mom not in your own pocket so because of that it's just more of the fact that like I have like it's Jacob's a car guy yeah that's fine do it at work I don't give a shit be attached to your kid take care of your kid try to be attached to her win or back. Stop being a loser pathetic failure. This is metal. This is gears. It is not as important as the human flesh that you created. Why are you prioritizing it over them?

59:21That's pathetic. I mean... Dude, go to a glory hole, suck a dick, take a dick up the ass, then you'll be fine. You'll be reset, you'll be good, then sell this. That's your other passion. Get on Grindr, go take a dick. My car is more my passion. Really than that? I don't know. He is like set on the fact that his car is the fastest stock turbo car. It's not really stock. That he knows. What is it then? It's a Volkswagen Jetta. You don't know what a Volkswagen Jetta is? No.

59:57Why would I? What's so good about it? It's loud. It's fast. Well, loud's annoying. No, it's not. He purposely welded a cherry bomb under it to make it even louder. Yeah, so you're literally just like, you annoy everyone else just for your own benefit. You're the selfish person on the road. Nobody respects you. Nobody likes you. To be clear, nobody turns their head at you other than in disgust while you drive. Actually, I've had multiple people go, nice car, dude. It's only because you're$1 ,600 Ramis. You're annoying to everyone on the road. Nobody respects what you do when you pull up. how fast is it what is it zero to 60 zero to 60 is slower than your Tesla three seconds but I know that I mean it is yeah you're zero to 60 you have all power yours is an electric motor it's all power it's all torque now it's fun it's a toy yeah I get to actually have fun to a certain extent oh I'm sorry it doesn't go yeah exactly I don't need it to go I just want it to go no I like the sound my car makes Yeah, you like the sound.

1:01:02I like the feeling in my body when it goes quicker. Yeah? Or is that when you just eat and play video games or scroll through a TikTok? I do that on the way back. Yes, my car drives for me. It's modern technology. I think it's slightly crazy that you have travel anxiety in a jet, but you're willing to like. I don't have travel anxiety in a jet for safety though. But you're willing to eat your food and not pay attention to the road. If you know that, then how have you not heard my actual reasoning? I just, I think it's crazy that you're willing to not pay attention to the road, but you're too scared to get on a plane.

1:01:34So you haven't actually listened to my reason. Also, I mean, that's exposure, right? If like I, self-driving, I was like, ooh, about like the first 80 times. I was on a jet every day of my life. I wouldn't be afraid of a jet. But you won't get in a jet. You at least got in the Tesla. You're not listening to what I'm saying. So I got on a jet six months ago. And you cried. I did cry. Well, again, if I was doing it every day. But if I was doing it every day, it would be different. Even then, if it's your first time, I mean, like me going on a plane for my first time, I was like, okay, cool. It's just like a roller coaster.

1:02:07Yeah, but you don't care about anything. No. Well, exactly. Still. Honestly, with how you've turned out, I'd still rather turn out like me and struggle with that because I at least care about things. No, because I can just go through life without having to worry about - Yeah, but your life's a failure and it's impacting others. But I'm still getting by. No, you're not getting by. You're having everybody else pick up the slack. And when I leave you, your mom's going to pull the rug and no longer help you. Are you sure? Yeah, she's only helping out of obligation because he lives with him. Okay. The baby.

1:02:37The kid. Insane name, by the way. Bleep. Well, who the f*** names their kid that? It's a town in Wyoming. That's the worst name of a baby I've ever heard in my life. Yeah, so it was queen or princess or rainbow. Yeah, those are stripper names. Why are we doing those? Yeah, why are there people doing those? It's not basic like Kayla. At least it's unique. At least that's biblical. It's like one that exists. That's not even a name. I beg to differ. He's going to be the first one in a school shooting. She, but I beg to differ. What? That's a woman's name? Yes. Say it again. We're bleeping it. Ugh.

1:03:15It's like diarrhea on the mouth. What the f*** is that? Oh, that's fine. You don't have to drive it. No one's forcing you to get that. I'm not saying I would ever drive it. Why am I not annoying to everyone in existence when I'm driving because it's not going, like, what the fuck? It's only pleasurable to you. Everyone else is annoyed. Like, people are having conversations, then you come by and you just disrupt everything. I can't tell you how many times I'm like, can you please stop revving, like, quiet down because you're pissing off the neighbors? Yeah, you're obnoxious. You're actually only serving you.

1:03:47At least in my Tesla, when I do self-driving, it's actually more safe for everyone else around me. I don't know. It's dope. Why do you care? The reason I care about your car is because you're annoying everyone. If you just had your car because you liked it and you didn't annoy everyone, I wouldn't give a f***. Why do you care about what car I drive when I'm not annoying other people? He hates electric vehicles. I hate electric vehicles. Why? It's like hating a refrigerator when you have an icebox. I mean, I'd rather have an icebox than an refrigerator. What? Okay, get rid of your refrigerator and get home and get an icebox.

1:04:19He thinks, I need to be a man. It needs to be gas. Our refrigerator doesn't work anymore. That's how his brain works. Okay, that was like the older technology. Just like everything else, we make newer technology. We'll go from an electric car someday to something new. Maybe just endless nuclear cars. And the self-driving vehicles that are like Ubers around here were freaking me the f***. Well, that's because you live in like the Stone Age. For everyone else, they're great. Because you don't have to have a passenger that's stinky. At first I thought it was like a map car where it was just like updating maps.

1:04:56You thought it was like a Google car. Yeah, but instead of getting a car where a dude's talking to his family overseas and smells like literal death, you just have a car that drives you safely. Okay, yes, I'm sorry. Yeah, 21st century. It's very scary to you. I don't really care. The rest of us are going to progress as a society. Which is fine. You can be obnoxious and eventually get drive-by'd. His car looks ghetto to me, in my opinion. Show me. Let's just see it. I mean, so this is the one thing you care about in life. Yeah. I mean, all of you. Probably prefers it over his kid, right? I was just going to say that.

1:05:31Like, he puts that a higher priority than our child. I mean, that's insane and actually disgusting. Yeah. Now, whose best friend do we owe$600 to? Mine. Why? Baby necessities. You suck as a mother. Yeah, I could tell. That was because of. Yeah, do better. What the fuck is wrong with you? Move in with your family, get your shit together, get your education, and then go and live a life with a man that actually cares about you doesn't have what is that trench foot like i don't even know that's probably what i don't even know describe it it's just good well you won't go to the va you freak well i've had two surgeries on my feet two separate times because maybe you actually deserve even though it was actually your fault not the military's fault for what you did but you might actually deserve disability more than most people that have been on the show that get disability that don't actually have an issue like you actually have an issue again your fault because no one else has it that you served with because they took care of themselves, right?

1:06:25They took care of it. They did the surgeries, and then he continued to not take care of himself. So he got trench foot again. I don't know about ghetto. Other than the purple rims, which is actually really...

1:06:41This is... He knows. You can say whatever you want. I've heard everything underneath the song about it, but everybody else thinks it's cool. Who's everybody else? Nobody else. Let's make sure we get this picture for on screen. But to me, other than the Purple Wyrms, I would literally think it's just a normal sedan that people are driving by me. It used to say Merca down the driver's side with like in flag. Gay! See, at least that would have been patriotic. Yeah. Now it's just gay. Yeah, because Pennsylvania's gay. That's illegal to have something on your windshield on the driver's side. Oh, windshield.

1:07:15Yeah, it was on - Well, put it on a different one. No, he doesn't like it. A different window. It has to be on that one? Yeah. because everybody else does the other way and he doesn't want to be like everybody else. That's exactly why. So she actually thinks in the pre-interview process, she was actually thinking the only reason that you haven't gone to get a disability rating is because she thinks you're actually dishonorably discharged but you're just hiding it. That's why you can't get it. I can get it. I just haven't. I've heard of it. Free money, there's really no reason not to. I don't understand.

1:07:48There's really no reason for you not to. You go to your second job. Why not take that time and go get the free money? It makes no sense. I've been saying that for years, and I'm at the point where I know there's something off about it because he set up the appointment and then actively chose to not go to the appointment. It is sus. I mean, understandably, but it's also an hour away from— An hour away for a couple thousand bucks for the rest of your life. It makes absolutely— And his excuse is, oh, I work. Okay, well, you would make more money if you just went to the VA and got your benefits and missed one day worth of work or a couple hours.

1:08:27Leave on lunch. I kind of agree. And again, you are actually someone that has something, which no one has ever been able to prove on the show that they have something. You were the first one ever able to. Yeah, I just, I mean. He doesn't care. He doesn't care about anything. I've been wanting to go, but it's just more. Then why don't we leave? Why hope? You're hoping for nothing. Daughter's college fund,$1 ,300. Who do you owe this to? Our daughter. So that was in an account that got drained. Yeah. You took from your own daughter's college fund for what? To catch up on bills that weren't getting paid.

1:09:00All while you're getting like a$700 gun and pumping thousands into your car? In reality, with how the money has moved, you took from your daughter's own future for your car, which literally means in a mathematical example, you do prioritize your car over your kid. Because every time you spend a dollar on that car for a purple rim or whatever, could be going to paying back your daughter's college fund. Yeah. I didn't realize it was that much. Well, you admit now you care about your car more than your daughter. You don't realize anything's that much. Because that is an actual example right here.

1:09:37That is a reality. Will you admit that? No, I mean. Well, say it. You care more about your car than your kid. I do like my car. That's disgusting. That's pathetic. You're a pathetic excuse of a man. Not because you suck dicks, but because you don't take care of your daughter that you produced.

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1:11:19Code 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. Yeah, I mean. Yeah, because he looks at her and me as they'll figure it out. my mom will either take care of it or Remy will figure it out or something will happen. I can just focus on me. No, I do have good news. You're not really going to have to replenish it with that gun sitting out.

1:11:55It's not funny. That's not funny. It's tragic and fucked up. He's kind of funny. But yeah, I agree with that. The fact that we're staying with someone who prefers their car over their kid is, that's pathetic. You're equally pathetic. Yeah. For enabling this by not leaving. That's why I applied for government housing because at this point. So you've been approved. Yeah, I've been approved. There's a wait list though. Why not do it? Because I can't just get in. How long is the wait list? One to two years. Yep. Yes, it is. Why not move back in with family? Your family's there. She hates your family.

1:12:30My mom. Dude, you got to do it at some point though. No, I've genuinely considered moving back in with my mom. Like, we've talked about it. She has the room for me. What? If it's there, then do it. Why not? Because I want to make this work. Like, I want to be a big adult. Who cares? That is making it work. You're backing off. You're getting through school. You get a good job, make a good income, and you live a great life. Without a pathetic worm being there. I should. I know I genuinely should. I just struggle with coming to terms of like moving on from things. I was just saying you wouldn't move in with your mom though.

1:13:09I don't want to live with my mother. Why? What's wrong with y 'all's relationship? There's nothing wrong with mine and my mom's. You just said there is. No, I don't like my dad. I don't have an issue with my mom. But like with. Well, but is he there? My dad? Yeah. Well, he threatened to slash my tires and shoot me, so I won't let him be there. But does he live with your mom? Oh, no, no. They just recently got a divorce. Why would he threaten that? Now, what'd you do as a daughter? No, he's just actually crazy. No, I know. He's like actually crazy. He got a spinal surgery and they put him on all kinds of psych meds.

1:13:43And he stopped smoking weed and doing drugs. And he went through like withdrawal. Good death. And I stopped talking to him because of it. So he's an addict. Yeah. Because of a surgery. So it was hardly even his fault. No, but he's always been an asshole. And now he's using it as like an excuse. Yeah, yeah. Okay, well, I would definitely move in now to your grandpa. We owe$3 ,000. Guys, this is the most amount of individual family debt I think I may have ever seen. It says his grandpa. Is it your grandpa? No, that was... Who's grandpa? What was the... $3 ,000 to someone's grandfather. It wasn't to the grandfather.

1:14:20It was to... I was going to say my grandparents are dead. That is your debt, Chandler. Don't forgive the debt. That is your debt. What's the$3 ,000 for? Oh, that was to your dad. That was for your schooling. Yeah, with my dad. For your schooling? What schooling did you ever accomplish? Nothing, because I barely went to college. Was this for college? Yeah. I wasn't with him at this point, but that's what I've heard. Yeah, I tried going to college, and then I got out and was like, I can learn more. No, I'm being told this is to help you guys move. Oh, no, that is the move. We already paid that off.

1:14:52We already paid that off. To who? My grandfather. I didn't put that. To your grandfather? Yeah. And it's done? Yeah. When did you borrow this? When I moved back in January of 2024. So two years ago. So you guys have been barring for family since you guys have been together. Yeah. You will never get out of this cycle then. You won't. You guys enable each other's bad behavior. None of you face any consequences and family's always there to bail you out. You with a living place, you with money.

1:15:25And you guys would probably have like split custody anyway so his mom would probably still take care of him. I don't think he would actually get 50%. I don't think he even wants 50 % because he can't. He probably doesn't. Do you? I can't even. If you guys split, what custody do you do? 50-50. Really? Yeah. I can't even leave him with her. Is that true? When we were split up for that period of time and I went on a date with Backburner guy, I came home and she was covered in vomit, screaming, crying. I had to rush her to the hospital. What? Like, I don't trust him to keep her. Wait, are you kidding me?

1:16:00I'm dead serious. What happened, asshole? I was sleeping. It was at night. He was not sleeping. He was downstairs and she was upstairs screaming. Yes. No, I was sleeping. That's like, no, you weren't. You were sitting on the couch wide awake when I walked in.

1:16:17And she was upstairs screaming. And I looked and I said, how long has she been up there? Like, how long has she been doing this? And he goes, I don't know. It just started. No, the fuck it didn't. Because she was covered in vomit. Her entire crib was covered in vomit. The floor was covered in vomit. And you actively said, oh, it just happened. I have no clue. And this is the one time you left him home with her? Yeah. What the f***, buddy? In what world would you get 50-50 custody? You can't take care of this kid to save their life. I mean, I've changed over the time. In what way? Every way. What?

1:16:53Yeah. You don't. You don't. You don't. because also... Yeah. No, your dog, you left him in the kennel with puke for three days. Oh, my... What is wrong with you? Not even three days. But the kennel was covered in vomit for three days. What's wrong with you, dude? And he chose not to clean it. It's evil. He wasn't even stuck in the kennel for three days. No, he was... I just said that. He wasn't in the kennel for three days, but you left the vomit in there so long that it dried to the pan.

1:17:25So has he changed? No. How are you saying you changed? Give an example. I mean, I don't... He got another job. Well, when something happens, it gets cleaned. Three days later. No. When I nag you... Her dog f***ed shit in there. That day, I cleaned it up. I would hope so. You have to. Because this is a basic minimum requirement for owning a dog. Yeah. Her dog f***ed puked on the floor. I cleaned it up. That's the basic thing. This is not crazy, guys. Like, yes. How are we bragging about this? That's the thing. Like, you, you, the grass needs cut right now. All the dishes need done. Like, the responsibilities that you assumed as yours, and that's, I'm more willing now to pick things up.

1:18:08Does he take the dog for walks? Oh, no. No, he got this job. He got this dog. It's a German Shepherd. Mental stimulant for sniffing. Full working dog. Has a whole lot of energy. under the assumption that he was going to take him for a run every day. Have you ever taken the dog for a walk once? Not once. No, a walk probably twice. No, when I first got him, I would take him for walks. No, you took him for like two walks total. He's now over two years old.

1:18:38At 105 pounds. Under the assumption, oh, I wasn't. Oh my goodness, he forgot to feed the dog for two days once? He forgets to feed the dog constantly. Constantly. I have to consistently feed the dog. Tugs are easy. Mm-hmm. Tugs are easy, dude. I even made sure we installed a fence in the backyard to make sure that you could just let the dog out. You own the house? No. No. No, we rent. I got free fencing, so I just put it in the back myself. Is the landlord now? No. No, but it's a slumlord. Our fridge doesn't even work. Well, he prefers iceboxes. Well, that's why we have an icebox out front. His father.

1:19:16This is the school. That's his schooling. Schooling. But I don't have to pay that back. You don't have to? Why? Because he said that I didn't have to. Okay. Okay, I've never seen this in the history of this show. I have a picture of a ripped up bill that is labeled him. What am I looking at? Do the story behind that? That's decorative for tools. So this is his tool account that I had no clue he had. He comes walking. he doesn't, he checks the mail. He doesn't open the mail. He'll just sit it on the table. It'll pile up for months. So when he walks in and I hear him opening a piece of mail and then ripping the piece of mail up, I'm like, what is going on?

1:19:59What is this? And he was like, oh, it's just junk mail. And I didn't think of anything at first. And then two seconds went by and I was like, he doesn't even open the mail. Like, what do you mean junk mail? So I went to the garbage, pulled out one piece of paper and it was this one that says payment, payment, payment with a bunch of dates. And I was like, this isn't junk mail. What is this? So I pulled every piece out, puzzled it together, and said, oh, wow, this is$12 ,000 worth of debt I didn't know about. What were you hoping happened here, buddy?

1:20:31To have it paid off before I found it. What's the minimum payment? Minimum payment is$269. Huh? It's$65 a week, but I pay$70. Oh, what a guy. Yeah.

1:20:50Okay, averages at 289 a month. Yeah. That's insane. That's crazy. 12 ,000 hours. Yeah, what were you hoping for? I mean, to the point where I would tell her about it. I just needed, I just didn't know. You think he would ever tell you about this if he didn't find it? No. No. I didn't find out about it that way, actually. I found out by his mom telling me, because she's still on his bank account, telling me that, oh yeah, you guys could probably afford your bills if he didn't spend this much money on tools. Why, what is with you guys and Snap Tools? Why the fuck go into this$12 ,103.50 a debt with a minimum payment of nearly$300 a month?

1:21:39Because it's convenience, then. Yes, but get some used tools. Get some... Dude, don't get everything. We were in the... This is insane. Lifetime warranty. Something breaks. The truck comes to you. You can't afford this. It's just... Is it... We were in the process of buying a house when his mom came to me and said, hey, this is why you can't afford to live. Oh, my... You guys almost bought a house. I'm glad you didn't. I wasn't signing. I wasn't co-signing. He was entirely doing it himself. What are you doing? What?

1:22:14Okay. What the f*** are we... So when did you guys almost get a house? Two months ago. April. You don't love each other! So I originally wanted him to get a house. So he could afford to live without me. Like, I... What? How could that make him afford to live without you? Buying a house? So calculating it out, the house we were looking at and the place we, no, it's a house. The house we were looking at was just under, including taxes and insurance. It was just under what we were renting. So I was like, you know what? Like, let's get you to the point where you can afford to live. Cause if I decide to leave you, I don't want you living in your car.

1:23:00You still need a place to like watch our daughter and be a father. Really? You think you'd ever do that? Apparently not. No. Out of that house? I mean, starter house, definitely very old, but. Yes. Okay. So we were looking at houses and his mom came up to help look because she was going to help us with all of the closing costs. Someone just bought it a couple days ago. VA loan was going to cover the down payment. So we didn't have a down payment. His mom was going to help us cover the closing costs. So I had her come out to just help look. Like, I appreciate your opinion. And when she came out, that's when she was just like, by the way, you guys can't afford to pay your bills right now because of his tool.

1:23:43And then two weeks later is when I got that statement in the mail because I didn't even know what he was spending on tools until then. Oh, you told the producers that you could use your co-worker's tools. I can, but if he leaves, then what? Then get your tools. Why am I going to use somebody else's tools when I can just go get my own tools? Because it's debt and you wanted to get a house. Granted, yes. Granted, yes. But like, I still need my own tools. Used. If it breaks, then what? You'll get it. If you become homeless, then what? Or you could go to like Craftsman and get a whole set for$3 ,000 versus$12 ,000.

1:24:24Your tools, nearly 15 % of the purchase price of the house. Just sold for$90 ,000. Oh,$12 ,000.

1:24:40Okay. What is this account? You're getting a lot of shit that is declining, payments left. Looks like a firm or something. There's a firm. What are you doing? Because you're doing like, what is the speed pay? You're doing speed pay, gas bill, speed pay. What are you doing? So when I didn't have any money, I just used a firm. So it would give me that extra month. What's speed pay? Speed pay, what was that? Payday loan? Payday loan? No.

1:25:12That's where we work. Yeah, that's the restaurant that we work at. You're affirming food at the restaurant you work at? So I actually asked him to pay for that, and I didn't realize he didn't have money. So instead of telling me, hey, I don't have money for this, he affirmed it. Hey, dude. That's just like, oh, 18 payments left on this. I don't even know. What are your minimums? Minimums stacking up to on a firm. I don't even know what the full balance is on here, dude. Do you? I know the one that's... Okay. I can do the math.

1:25:56I know three of them that I can... $1 ,111.61 at least. It's a mess. It's a f***ing mess, dude. And then, what was it? It was like 18 payments left, 3 payments. This is divided by 18. Just go with$62 a month. What a joke, dude. What a f***ing mess this is. Affirm. Who's Affirm? That's Jacob. Stop saying his real name. That one would have been paid off by the time we filmed this. Same with this one. But you're getting insane things. You're just using the virtual card for everything. At 35 % interest. 35 % interest! Asshole! That was for our Xfinity bill, too. He paid our Wi-Fi. These are the ones we just looked at.

1:26:45Oh, my gosh. Why?

1:26:50You guys should just give up. At this point, like, what is there? The fact that you're still with each other blows my mind. Like, this felt like an audit. Like, I was like, why even go through the finances? I am, obviously, because you came on. But it's like, guys, you shouldn't even be together. and we established that in the first half.

1:27:11Right? Unfortunately. Who has credit one? Him. So far, it's all you, dude. Credit one's insane, by the way. It's like the worst credit card that exists. I just need something to bump up my credit score. Which is why you're above the limit. It's harming your score. The limit's 500. You owe 573.97. it's probably more now and that is to help your credit score? at first it was supposed to help when? at first when? when I first got it it was supposed to help because I was just getting gas at that point and paying it I'll get you guys course career certifications I'll get you that in the trades and I'll get you in whatever the fuck you what are you going to school for again?

1:27:53engineering we have some great tech certifications and shit like that, project management go ahead and get those, use those people in the audience have converted them into six-figure paying jobs. Dude, we have a debt forgiveness program on CalebHammer.com, personal loans and car insurance as well, but you need car insurance, so use our car insurance tool on CalebHammer.com. I'm still paying an astronomical amount. Yeah, you'll probably get cheaper on our website. The thing is, I don't want you guys to do any of those except for the car insurance until you've changed your behavior. And I don't even know if you guys should be together, so I don't even know what changing behavior looks like, okay?

1:28:28That one's mine. You have a Capital One. That is mine. You are late on your payment. One of them I was, yeah. Why? I didn't realize that I didn't have the money in my account when it pulled. So it bounced. I was a broke bitch. Am? Am. Yeah, I am a broke bitch.

1:28:48You guys suck, man. Because you're purchasing on this card that you're getting late fees on, that you're not paying on time. You're not at the credit limit, luckily for you, but it's not terribly far away. $528.83,$25 minimum. payments. You couldn't even do that. And $6 from Walmart. Probably bullshit at that point then. Appleville, Paramount Plus, Goodwills, Wendy's. Oh, that's$6 is our Walmart membership. Oh, membership. I didn't even know you do memberships at Walmart. Bookstore. Potentially groceries, potentially bullshit. Definitely bullshit. The bookstore is for her college. Eating at your own place again.

1:29:23Guys, come on. Appleville and Ross stores. And then late fee. It's so stupid. Of which you've had three, four this year so far. Four late fees. So no, this wasn't a one. Oh, oopsie. I just forgot that one time. You guys are just insane. Okay, him. Let's see. What is it? I think auto loan. Volkswagen. Jetta. His special little baby. For some reason. That makes no sense. Plus a personal loan. So Jetta is $9 ,122.5. Personal loan is$2 ,371.06. Why the fuck do you have the personal loan? It's for my truck.

1:30:08It's worth less than$2 ,300? What's your Jetta worth? Right now, standing, it's between$10 and$12. Like$10. If you actually care about your kids, sell it. I mean, I already have it posted on Facebook. Good. Only because I made him. Well, the Jetta's at a decent interest rate. It's a bummer that you have to get rid of it. Because his mom co-signed for it. That's the only reason. What's the personal loan interest rate? You got fees and shit like crazy. Most fees are probably going to be late, like overdraft. This isn't even on that yet, though. This is just fees for the loans. And then you have interest.

1:30:45Okay, interest rate for the personal loan for the truck that's not even worth it is 13.2%. Because he told them that it wasn't for a vehicle. That's why you got a personal loan. Okay, his checking account. Ended with 238. Thank... Draw. Who knows where that went? Okay, let's see. Where'd this go? Energy drinks? You're a big energy drink, boy, aren't you? No. Mountain Dew. Up the water. I drink over a little gallon of, like, Mountain Dew. A day. Okay. No longer. Make Gamersupps. It's very delicious. At home, it is 40 cents a serving with our discount. Link below. 40 cents a serving. make your energy drinks, your pops, your everything at home.

1:31:28We have their Caleb Hammer Liquid Assets Financial Auto Flavor. One out of every 100 gets one with my face on it. That's the special draw. I was actually going to ask you if I could have one of those. Unfortunately, we just don't have them. Huh? One out of every 10, I am correcting myself, that is updated information. Okay, one out of every 10 has my face on it. And yeah, check it out, guys. Link in the description below. You can also get free samples down there to figure out what flavors you like. and then it's 10 cents, 40 cents a serving. Much cheaper than his multi-energy drink. Every day.

1:32:01Yeah, Mountain Dew, Mountain Dew, Mountain Dew. Sometimes it's three times a day to go to the gas station. Apple Cash, yeah, no shit. Overdraft, Mountain Dew, I think. Probably Mountain Dew. This is bullshit, man. Mountain Dew, Mountain Dew, Mountain Dew. Mountain Dew. Mountain, Domino's. I don't know. Tools, more tools, different tools, quality tools. This isn't Snap. Quality tools. You're on different tools? Yeah. Multiple. Yeah, I have multiple. I didn't even have that debt. Where's that debt? Yeah, you do. It's the tech credit. The one where she has the ripped up papers. That's from Cornwall.

1:32:39No, that was Cornwall. How much do you owe on Snap? I owe... Oh, my. He wouldn't get me this paperwork. I've been asking him for three months. Well, the dude retired, so he hasn't even shown up. So the guy from Snap on retired. He's gone. Yeah, but the company still exists. This company does still exist, but they need another person to run his route. They haven't showed up. You can only pay him in person? Yeah. No. Yes. No, you can't. You can call them. Mine is on a truck account. But you can still call them. Like you still owe the company. We know it was$50 ,000 spent originally on those Snap Tools.

1:33:12I mean, guys, it's all just mountain dues and bullshit. Mountain dues and, okay, Mac Tools,$20. Is that$20 a week? Two weeks. Okay,$40 a month. Dude. Probably like 10 ,000 hours now. No, no, no. It's probably like 12 at best. What's your personal loan, minimum fee payment? My personal loan is 104. And Jetta? 432. Yeah, you're getting overdrafts like crazy. Okay, you. That's me. You started with negative$15, so let's not pretend like you're good. So that was... For Zell. You went negative for Zell, you dumbass. That was during the time frame that I wasn't working. Joint account,$3. Wow. Incredible.

1:33:56A couple that should definitely be together. What is this? That's my medical. So that's from having a child.

1:34:09Okay, 600. You get on a payment plan? Not yet, no. I haven't even started anything on that. Guys, so here's the thing. I don't know what to do because you guys shouldn't be together. Budget as a household? Budget individually? I don't know. but here's the advice. This is the reality of the situation. Certainly use the Dallas wise budgeting app, but more than anything, sell the motorcycle, sell the Jetta, pay back the smallest, the largest. I don't know. I don't know what to advise you because if you guys aren't together, yeah, you are depending on him financially. If you're not together, I don't know.

1:34:45You can't pay bills, but moving with family, get a cheap ass apartment, man, the cup on taking care of your kids and dogs. and pay smallest to largest.

1:34:58I don't know. That's kind of it, but I don't know how to budget you guys. I really don't because you guys shouldn't be together. You're not together. Your finances are a mess. I don't have all the statements, but that's the basic thing. Or at least with you, with all your debt, prove you can budget for three months and go through bankruptcy or a debt forgiveness program or something. That's like it. It's such a mess. I always do smallest to largest. Always do. If you look at the Affirm, he took out a$900 and some dollar Affirm to partially pay off the Snap-on. So he put that$930 towards Snap-on.

1:35:32Owes an interest rate on that 930. Yeah, it's like 36%. And still owes Snap-on. I didn't know what it was for, but that's... I didn't know that he took out the Affirm until a month after he did that. Guys, I don't even know. What a mess. I can't do this. I can't go through this. there's nothing reasonable for me to do here the advice is sell those things maybe consolidate if you can prove your budget but i just don't even have hope for that probably break up live with your family get a cheap ass apartment and be a good dad i don't know okay i'm actually interested in calling your backup i want to see his perspective on this well let's call our backup in the post show hammer financial score obviously is zero is not even close there's no retirement there's nothing it's not real estate you almost did i'm glad you didn't get yours at calebhammer.com now join us for an extra 20 minutes.

1:36:19We're going to call her Backburner in the post show. An extra 20 minutes of this episode. Also, three premium shows every single day, six days a week, over 100 ,000 monthly active users for a reason because it is the best membership on YouTube. Joined by the join button or click that link below or you can go off platform with the Hammer Elite app or hammerelite.com. I'll see you guys there. How does it feel to be this woman's backup option and she won't leave this pathetic, actual waste of space that she's with. Not the best. I don't like the idea of like leaving him. I don't know why. I don't know why.

1:36:56And this dude rocks his asshole constantly. In the shower, yeah. I use her toys. I just launched the brand new Hammer Elite app available on every major platform. So you can watch every show anywhere you want. You'll get three exclusive dedicated shows every single day Monday through Saturday. Refer a friend after you sign up and you get an additional 30 days of Hammer Elite access for free. Download the Hammer Elite app by using the link in the description or pinned comment down below. 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.

1:37:29If you think you have interesting finances with an interesting personality or a story or a life or relationship, I will personally pay you to take time off of work, fly you down to Austin, get you personal transportation, a hotel, food, and we'll have a great time hanging out. Go to calebhammer.com slash apply or click that link in the description below.