This Has Never Happened Before | Financial Audit

24:26Free money, we like free money. You can get up to$200 in bonus cash right now. When you sign up for the checking account that I use, Chime. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Audit and get free money at the same time. Who would have thought? That's incredible. Check it out. Link in the description below. What money are you giving me? Whenever you need money, when you can't afford to get food at lunch, when you're at work and you're like, can you send me money for Chipotle? Or can you send me money to go get some Taco Bell? Or whatever the case may be.

24:58That's not even true at all. When is this? Is it in the statements? Okay, here's the reality of the situation. You won't give her the information she wants. I do if she gives it, if she asks for it. If she asks for what? She just asks if we can afford this. Yeah, I don't say how much money's in your account. I just say, can we do this or not? Why don't you try to get insights into that? Why don't we try to know what combined would look like? I think because subconsciously I know that he's going to either say yes and he's lying. Well, no. How about you just actually get the documents? Import everything into a budgeting app like DollarWise.

25:32But isn't that what we do when we make a household budget? But we've also tried budgeting 100 million times. Well, how'd you do it without getting combined finances? Not actually combined accounts, but bringing both document sets together. We have done that. I mean, we've sat down and we've gone through the bills we pay, and we've come up with a good budget. Like, genuinely, I want to do it, and he doesn't. What the fuck is wrong with you? I do do it. What do you mean? When do you do it? The only thing that harms the whole budget is, honestly, food. Food is the only thing that harms the whole budget.

26:00Okay, what about when I say, let's go to the grocery store and get two? two weeks of food. And then you buy two weeks of food and we don't use it and it gets wasted. And I do use it and I will cook dinner and things like that but then you're like, oh, I don't want that. Maybe they would do better cooking dinner if you actually helped with the kids around the house. I hear you literally just get home and just play video games and don't even acknowledge them. Or you take your little nap. Don't forget about that. Yeah, after the nap we do whatever we need to do during the day. You play video games.

26:26Yeah, what about - If I have time. She's saying you just play video games all day instead of taking care of the kids. It's hard for her to kick. Well, and I don't understand how I get home from work at 5 p.m. and I immediately am into mom mode. I'm making dinner. I'm giving baths. I'm doing all that. And you're playing your game or you're on your phone or I'm literally vacuuming around you and you're just watching me on your phone. And you don't like, the baby will be crying while I'm trying to do this and I have to get up and go do it while you sit and play your game. Or the middle of the night, I'll get woke up.

26:55I get up at 6 a.m. for work and she'll be crying, crying, crying. Is this new shift or old shift? And you'll just be sitting there on your computer. I'll wake up and I'll look over. You're on your computer playing the game while she's crying, so I have to get up and do it. Like, I don't understand. This is my new shift? It doesn't matter. It doesn't matter what shift you're on. You always have done that. Even before the baby when the f*** would need something or whatever, like you'll be like, well, I can't pause the game. So just wait a second. Yeah, that's what I did now. Yeah, but it doesn't matter.

27:27Before is not like that at all. Yes, when we worked the exact same shift, it was different, but you've been on this shift, this night shift, for months. So even if it was two months, it shouldn't be happening. I shouldn't be the default person just because you want to play your game or you need to go do this or I want to go test drive some more Mustangs or whatever. Mustangs? Yeah, I don't understand. How is it all? Pointless car. I understand getting the groceries to cook, but it is difficult if we're both coming home from work and then you play video games and she has kids running around and screaming and also needs to cook at the same time and you're not helping.

28:03And that's usually when I'll end up being like, let's just go grab something because I'm exhausted. No, when it was on my first shift, that stuff never happened. I never played the game. I can play it maybe once a week. And I said that that's true. When me and you, when you got off at three and I got off at five, it was much different. Correct. But you now are on the shift and as far as I know, you're going to be working the shift for the foreseeable future. Feels like you're not willing to do anything other than get to your goal of the Mustang because I know you're trying to be a streamer. That's what you were focused on.

28:29Then you gave up on that. Now you want to get a car instead of actually helping them. And one of the big things of actually helping is getting out of the f***ing mom's basement. She wants to get out of the f***ing basement, but you're doing absolutely nothing to get out of there. And you're prioritizing getting a f***ing Mustang? Who gives a s*** about your Mustang? Get out of the basement! And while we're at your mom's, I feel like you'll default to just having your mom, here, will you watch the baby real quick? Or asking your sister to watch the baby real quick or whatever. Whenever we run around.

28:55Okay, but what about when we move out? You're going to have to do some shit you don't want to do. You're going to have to take the kids to the grocery store with you. Correct. While I'm cooking, whatever. But you won't do it now. If you won't do it now, how can I trust that you're going to step up in the way that you need to when we move out? If we move out. When we moved out before, there was no problems. We didn't have a baby. So? Not the same. We had a child who could entertain himself, and I could cook while he played in his room. Bro, she literally told us in private without you that she's thinking of moving out without you to motivate you to get your shit together.

29:30She's lying. Am I? Yes. You always say that. Yeah, and the only reason— She always says that! Is that not worth something? Has she moved out? Yeah, but why do I have to move out for her to smack you in the face? The threat of you, of your family, up and moving away from you— It doesn't matter. The threat of me getting up and moving away from you should be enough for you to be like, Like, oh shit, let me reevaluate what I'm doing and what's going on around me. But instead, you're just like, oh, that's what she says all the time. She's not going to do it because she hasn't done it. So should I do it?

30:01Because the other thing, the only thing that's stopping me is the fact that I love you. So I don't want to do that. But at the same time, I have to think about my kids, who I think about first all the time. Well, it seems like they and I are the last thing that you think about. And it's what you want, you want, you want. Then it's us. but I do think about them too first. How? When? She thinks she's a single mom. Because whenever I'm at home, we're always doing things that you want to do nonstop. And it's always costing the highest amount of money. That's not true. I've told you multiple times we can go.

30:34Tell me about that. What's happening? What's she doing? Well, we always have to go somewhere because we can never sit at home and do nothing. So that means every time we leave the house, it's automatically we're going out to eat every time. And that's a nice$70 bill. 60, 70 with us three eating there. And then on top of that, we're probably going to go somewhere, probably the mall, Target. Got to get new jeans. We got to get makeup. We got to get whatever new we need every time. Because we can't sit at the house. Because it's so boring. How are we going to budget moving out? It's so boring. We just do that every second of our lives.

31:08Okay, so my turn. So whenever we do go out, I have said multiple times, I love, I involve my kids in everything. I'm that parent who I just, I feel almost like a guilt when I don't involve my kids in the things I'm doing. But I've even said, why don't we, we can go do something for free. We can go for a walk. We can go take the kids to the park, whatever. He doesn't want to do that stuff. So then I'm like, okay. You don't want to do that stuff? No. I do like doing that stuff. No, you don't. But every time we leave the house, it costs money. So I don't want to go anywhere. You're lying. I've multiple times said, I've even asked, can we go, let's go have a picnic at the park with kids.

31:40Well, that means bringing food, not paying for food at the fast food place. Have we ever went? Because you don't want to. I've told you we can do it. Every time we go do stuff that is what I want to do, you literally look miserable. You look like you are having the worst time of your life. But I tell you every time we can go do it because it costs less. It's not the same. If I ask to go do something and you look like this the whole time. I do not look like that. Yes, you do. You look miserable or you'll complain or you'll make comments or you'll just give off this annoyed, I could be doing something else.

32:14So the only time you don't look like that is when we go do, do stuff. Like go to the movies or go bowling or we go out to eat. When we go do stuff that costs money, you actually look like you're having more of a good time than when we just spend good quality time together. And the reason I don't like staying home is because when we're home, you're either on the game or you're on your phone. Is that true, Hudson? Is all that true? Partial of it. Are you not having fun out with the family? I do have fun with the family. But I do like staying home. Yeah. And playing your game or being on your phone or watching YouTube.

32:45If I can play the game. Well, let's think for a second. It is fair to, well, I mean, with kids, we have to take care of the kids. That's just not an option. But it is good to get space. It's good to get rest. He is in a very, he's in a much more manual job than you. So his body needs more rest. And some people like to stay at home more than go out. Obviously, with kids, there's less of a compromise we're able to do. but that's not an inherently bad thing for him to do. But if that's all we do, then it is bad. But all we do is go out and spend money. It's also not good. Well, and I also disagree about the work a little bit.

33:20He's not like the hands-on working at his plant. That's not, you don't know anything about the job. Yes, you literally work, the most that you do is walk from building to building. That's the only physical labor you do. And at my job, I'm up walking around the halls. So you're walking around the same? Yes, I walk around just as much as you do. You load semi-trucks? Do you do that by hand or do you use a forklift for that where you sit and control? You still have to know how to do all that stuff. Yes, so you have a mentally heavy job. Have you loaded a truck with a forklift? I know that you don't use muscle to do that.

33:57Have you used a crane? You also don't use muscle to do that. How do you know that? You're using machinery, like you're operating a machine. Correct. You're not like back-breaking labor every single day. So when you're doing the whole, oh, I'm so exhausted. I'm exhausted every day from working and figuring out food for our kids and taking care of our kids and getting our kids to bed and all that. And then you get home at 11 or whatever, and you just immediately get on your game. And so when I wake up in the night— What am I supposed to do at 11 o 'clock at night when everyone's sleeping? What are you playing?

34:30On my game? Whatever is on there. Right now, Marvel Rivals. show me your left hand damn it give me your phone mine open your phone right hand damn it

34:47wait show me your palms oh no I mean he has he has some marks of a working man he has some marks of a working man and I wear gloves your phone

35:01okay hmm Her state of mind is a slightly unpleasant day. Wow. It's today? Yes. I mean, I'm sorry. You're at 1.6 miles a day total. No, I will say I did move locations, so I'm not walking around as much as I was. Whoa, all of a sudden, the goalpost has been shoved to the other side of the city. The moment I actually look at reality, The reality is it's like 1.6 miles a day. How are you so exhausted when all, but that's all you do. Well, if you load trucks with a crane and you have to move the coil. So again, a lot of mental. You have to still have physical in there. When you walk to the building.

35:46You have to use the chains too. Have you ever picked up a chain? You know how heavy those are? You still have to have that physical in there. Plus you have to wear a hard hat, arm guards. You have to have boots on. You have to wear all that shit. Dude, 1.4 for the month of January and February. There's no way. Yes. I'm walking around my office all day. Dude, and it calculates with your phone as well. See, but I don't have my phone on me at the office because I can't. But if you don't have your watch, I'm saying. Yeah, that's what I'm saying is there was a while there that I didn't have that on.

36:22Bro, I'm a fat f*** who literally just sits down and films all day. and I averaged 2.6 miles a day for those couple months. And I'm a fat f***er. But I'm not saying I'm physically exhausted every day. Bro, you with your kid is only moving 1.4. Yes, you did. No, you cut back to that. Yes, I walk around just as much as you do. I'm exhausted every day. Yeah, you literally just sat there and said, I'm exhausted every day. Yeah, mentally. I'm not physically exhausted. I can give you the honest. I'm not physically like, oh my gosh, my back, my legs. It's funny how your tune changes while you're here, which almost makes me kind of agree with a potential part that he said.

37:02Listen, I do think you're probably maybe a majority part of the problem. I'll be honest. But he said in private with us before that he's just endlessly trying to keep up with the bossy woman in the house, always micromanaging everything in our lives. And that is exhausting. That is mentally exhausting too. I'm mentally exhausted. Ask him. Ask him. He's the one who said it. Ask him. He's the one that said it. Yeah. It's nonsense. I mean. Do you think I'm not exhausted micromanaging you all the fucking time? Yeah, but you're micromanaging, but I can't do anything. I'm taking care of my child. I'm taking care of our other child.

37:38And I'm telling you, hey, could you maybe fold this basket of laundry that's been sitting here for three days so I don't have to do it for fucking once? And then I fold it and you bitch it the way I did it. No, I don't. So why would I fold it? No, I don't. Every time I try to do anything, it's not right. dog outside. You don't take him out for me. I can barely get you to take your dog outside. So yes, I micromanage you all the time being like, hey, can you do this? Hey, do you mind doing this while I'm doing this? Then I get home and he's still in the cage. You have to. Oh, I guess you do need that.

38:05Bro, I mean, I wouldn't be surprised though. Hearing this conversation, how you push the goalposts, are we really that surprised? You might be the nagging woman. And that's exhausting. It's exhausting for me nagging all the time. You're a victim as well. So why are you nagging all the time? Just let me do what I need to do. If I, quote, let you do what you need to do, you're just going to be on your game. You're just going to be trying out cars. And on his phone constantly? Yes. Yes. You spend more time a day on average on your phone than he does, by the way. At nighttime, for sure. Doesn't matter.

38:38When the kids are asleep. The weekly average. So you're on your phone when I'm asleep. The daily average, 447, 458. You beat him. everything you're bitching about the moment i actually dig in you have to push the goalpost because you're complaining about something that you equally do if not i don't get on my phone okay so i'll get on my phone when shit is done when laundry's done you're on facebook every day yeah who cares everyone's on facebook every day point is no especially not your age my point is is that i don't decide to turn my brain off Dude, the time that he uses. Oh, let's go back to week.

39:19Okay, you scrolled TikTok a lot. Recently, yes. I've been looking at cars. Still. Yeah. Yeah. And also, you're on Facebook a lot too. What the f***? Is this like an Indiana thing? Are you guys that far behind? Why are you on safari? Oh, wedding planning. That's probably most of my internet use. Okay, well, you know, because of the conversations going on right now, she specifically has not booked a hotel for your wedding night. Has not done anything for the honeymoon. I told her what we need to do for that. No, but she's not confident enough to do it because of this dynamic. Because it has to be her way.

39:49You mean I don't feel like I should be financially responsible for our entire conjoining of lives until I know that you're going to actually grow up and do the right— But I told you I'm already paying you back for all that. God knows when. When I get my car. You can't even pay back a company who you owe money to. How do I know you're going to pay back someone you're comfortable living with? Ooh, bro. This actually is not looking good for you. Listen, I think we'll do to work. He's on his phone, which whatever, that's fine. Saturday and Sunday when he spends it with you guys, those are the days that he spends less than even like an hour and a half on his phone.

40:32You during the work days, nothing on your phone. On the weekends when you guys are supposed to be spending time together with the kids, those are your maxed out days. For example, Sunday of last week alone was six hours. And as of now, weekends are the only times I see them. Yes, and you're not on your phone during the weekend. No, your entire argument was that anytime you guys are together, he's on his phone. No, he's not. He's objectively not. I have the metrics right here. And during the week, I don't see that. But my phone is the default whenever we go out. I'm the one that looks up places to eat.

41:00I'm the one that's looking up. Girl, that's not true. That day was two hours on Facebook, and the rest was just miscellaneous. Yeah, when I'm on Facebook, I'm on Marketplace looking at wedding shit. all the time. Yes, I am. And I even send it to you. I've sent you a bunch of stuff. Even still, you just scrolling there on, you know, being a girl with a wedding dream is still just scrolling and having fun. But we're talking. We're actually conversating. Like, we'll sit down. Conversating. We'll sit down. And when we're eating, and I'll have Facebook out, Marketplace, or I'll have Safari out, we're talking about wedding stuff.

41:31Now, for what it's worth, I will say this. Bro, you were on TikTok eight hours and 34 minutes last week. Correct. That'll destroy your brain. Well, I've been on looking at cars. Besides, it is rough, man. Yeah, yeah, yeah, yeah. That means you're getting way too close to this damn car. Well, you guys have finances, to be very clear. Can't afford this wedding that's coming off, and she's not even booking shit because she doesn't even know if she's going to end up getting married to you right now. And all you're doing is this car? What about her? What about the priorities of the relationship? Let's also add in that my dad, sorry, me and my dad are paying for this wedding, And my dad even has said, like, you looking into this car is insane.

42:11That's not good. Stepfather not liking you. It's usually where, like, kind of the close bond typically goes. That's not what I hear from what she says. What do you mean? I literally told you that when I told my dad about you looking at a new car and what it was and all that, he literally sat down with me at lunch one day and was like, that's not—why are we doing that? And we went to next weekend and booked a venue. Because my dad wants to pay for his daughter's wedding. Like, at the end of the day, he's going to do what he's supposed to do as the father of the bride. Like, he's going to do— But he knows he can talk to me about that stuff.

42:47Well, clearly he actually doesn't because he's talking to her behind you. When they go to lunch at work. Yeah, but he's saying the things that he's not telling you in person. What does that tell you? He can always talk to me. You're saying that. He obviously feels like he can't. My dad's not going to pick up the phone and call you and be like, you're a f***ing idiot. You need to put this car shit behind you and focus on what matters. Probably should, but— No, seriously. If he did, maybe I would. Call him in the post-show. Oh, if my dad said it to you, you would probably do the right thing. But when your future wife says it to you, it's, fuck you, I'm going to do whatever I want.

43:19That's basically what you just said. Even for the babysitting, only Kimberly is paying for the babysitting. Well, all your money is going for this potential car. You're not even helping out there. Like, keyword, potential. Not even for sure. Her entire tax refund to the wedding, paying for all the babysitting. You, nothing, car. That's because I need a large down payment. You don't need this car. You can get a$10 ,000 car. I don't get why you can't just settle with a nice. I want a nicer car. Want, want. There it is, want. Yeah. Well, she pays for all the babysitting, paying for all the wedding.

43:55Well, I pay for babysitting. No, you don't. So not according to her. Your mom literally told us that we're going to have to start looking into paying a daycare, which we didn't want to do because daycares are f***ing insane and expensive. She said, we're going to have to start doing that because you're not paying her. Because I also don't agree with that. She looked at me and said, you're doing great. You're paying me what you owe me. Everything's going well. But he's not. And that's not fair. And I agree. But also, I don't agree with having to pay her a lot of money like that. Okay, but it is what it is.

44:19So I'm just not going to pay it. So where does all your money go? She doesn't know where all your money's going. That's her big question. Tell us, where does all your money go? When I get paid, I put about$200 in the savings for the car. Okay, instead of to the family. But then after that, the rest goes to whatever we do during the weekend. That's weird because I feel like I've been swiping a lot lately. On what? And I've been everything. On the wedding. We swipe on the wedding. Wedding, when we do go get food, when we do go get stuff for the kids at the store, everything. Anytime we go anywhere and a card is needed, here comes mine.

44:54That's not true. Here I am taking care of it. Yes, we did. We just got into a big fight a couple weeks ago about it. Because I was literally like, is there going to be a time when I'm not paying for everything? Yeah, because you pay for all the wedding and you got it all misconstrued. What about all the other times when we go out and we're in person like this and I'm still, here's my card. Hey, are you going to get this? No, you just go ahead. Oh, okay. Yeah, you get those all twisted because you think you're paying for everything. Because the wedding, I already told you that. I am paying for everything.

45:20What was the argument? Because we went out to Target and she paid for everything. No, it wasn't Target. It was Hobby Lobby. She paid for everything that was for the wedding. And then after that, she got in the car and she was all pissy and mad. And I told her, I already told you I'm paying you back. And she says she's buying everything now. And I said that that was fine for you to pay me back, but I didn't know it was you pay for everything up until the wedding and then God knows how long before I pay you back. I didn't know that. I thought it was like, I'll pay this or that, no, whatever. And then like in a week or two, you'll give me a little bit.

45:54Like I thought it was going to be like a normal, I didn't know it was, yeah, you're going to actually pay for the entire wedding and then I'll pay you back maybe on our one year anniversary. Like that's how it feels. Was there a conclusion to those arguments? No, we just fought and then it ended. That was it. Is that how it usually goes? Yes. How long did you guys fight? It was about. Like a 20, 30 minute. It wasn't that long. Was it heated? It was, yes. I'd kill myself. Yeah, I started crying. Yes, it was heated. So raising voices? Probably for the first time ever, yeah. That was your first time ever raising your voice at me.

46:25What? I told her. What'd you do? I told her. What was it like? I didn't like it. It was fucking intense. Like it wasn't. Well, especially if you've come from an abusive relationship, I'm sure that would be a little scary. Yeah, and we've gone this long and you've never ever raised your voice at me and then you raised your voice at me. Was he yelling? About our wedding? Not yelling, but louder. I mean, but I wouldn't say yelled. I told her multiple times before, she's paying for everything with the wedding now. I'm paying her back. Starbucks is bullsh** and a waste of money. And you already know that by making your coffee at home and investing the rest.

46:58So now you need to do that with your energy drink as well. Make Gamer Subs at home for just 40 cents a serving. And honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show, Fat and Fatter. The number one ranked energy drink is Gamer Subs. Literally, the cherry flavor is insane. Listen, you can also get free samples to see if you like it or 10 % off your order at gamersupps.gg or click that link in the description below. Type in code Caleb. Hammer Elite is the best YouTube membership on the platform, and I just upgraded it. Three exclusive dedicated shows every single day, Monday through Friday.

47:40Join with the link in the pinned comment or description below. This is the best membership you'll ever join. That's a promise. all the way through. While you're saving for this car because that's what you want to do. Why do you get to just tell her, hey, you're paying for the wedding. I will pay you back. Why do you get to dictate that? She agreed. Why is it not a concept? Or you agreed to it? No, let's rephrase. In the beginning, she agreed to it. And then now because it's happening, she's freaking out. Yes, because again, you didn't say you're going to pay for the wedding all the way. I just thought it'd be, like I said, I go, like when we go to Hobby Lobby, I get some of the flowers and stuff.

48:13And then next week you send me like 50 bucks. or like I thought it was going to be like a slow kind of here and there normal thing. I didn't know it was going to be full commitment. I got it. Don't worry. You get your car and I'll cover this. Before this argument, we had another conversation about it and I told her exactly how it's going to be. And then I told you, fine. And then she freaked out about it. Why do you get to say how it's going to be? Why is it not a conversation with an agreement? She agreed to it. Because there's no talking to you. Look at where we're on. Like we're trying to do it right now and I can't.

48:41You're still just like. It's the same thing. You don't talk to me about my finances. Whenever you ask, I tell you everything. It shouldn't be, but we should just always be on the same page. Like, I should know what's going on, you should know what's going on. Well, it's hard to be on the same page when you control it all. What am I controlling when you're clearly making it obvious that you have full control over this? This, I told you and you agreed to it, but everything else is in your control. Okay. What do we think our household financial score is right now, combined zero to 10, zero being the worst, 10 being the best?

49:10What do we think? Honestly, probably two. Okay. I'd say not including, well, I'd say about a four. All right, well, if you guys want to get your Hammer financial score, you should take that assessment for free at calebhammer.com. Again, it's free, just takes a few minutes, and you can see where you stand in the world of money. Thousands of you take it daily for a reason. It's really cool to see where you stand in the world of money. And if you don't want to end up like them, get on the same page, know what your finances actually look like, automated, easy, with DollarWise. My favorite budgeting app.

49:40It is incredible. Check it out. Download it for free. in the app store that you need to use and take the free trial. See if you like it. And most people do. That's why there's tens of thousands of monthly active users. And most people sign up for the annual version after the free trial because you get my 30-day budget meal plan that we designed for every single meal, snack, and drink for 30 days. So you no longer have an excuse for meal prepping, meal planning, all that stuff. I will sign it and I'll mail it directly to you guys. So I will sign this one. There you go. Nice and signed. Now, no more going out to eat.

50:16It's as easy as that. Use that shit. Snacks, drinks, all the goodies. No more needing to go out to eat, guys. Alleyes.com, CalebHammer.com. All those links below. Let's get in. Who has the Apple Card? What are you doing, Apple Card guy? Not paying you. What's going on? Just not. Why just not? Where's the logic? Did TikTok tell you this? No, this was before the TikTok. Okay, well, now you are in TikTok land. Why are you not paid? What's the logic? Before with the situation. When you need to build up your team to handle the growing chaos at work, use Indeed Sponsored Jobs. It gives your job post the boost it needs to be seen and helps reach people with the right skills, certifications, and more.

51:04Spend less time searching and more time actually interviewing candidates who check all your boxes. Listeners of this show will get a$75 sponsored job credit at Indeed.com slash podcast. That's Indeed.com slash podcast. Terms and conditions apply. Need a hiring hero? This is a job for Indeed sponsored jobs. When she wasn't working is when I stopped paying it. Years ago. Years ago. Yes. This card is now. This is years ago. So what now? Well, before I just, we were going out to eat nonstop. Okay, but it's time out right now. Why aren't you paying now? Now I just need to. Oh. That's a good reason for not paying.

51:43What the fuck are you talking about, man? Yeah, that doesn't make sense. You owe the whole thing, obviously, at this point. We're both aware that you need to do it. Why aren't you doing it? I got to the point where I had a payment plan and then I didn't have any money because— Well, how do we get on a payment plan again? You owe$1 ,715.54. Obviously, that is the total balance due immediately because you just haven't paid in forever. Yes. What the fuck are you getting on here? That was being used for a lot of food back then. Yeah, that was for food mainly. Pretty much any time we went out to get food.

52:12Staying in Indianapolis and stuff. Indy, Cincinnati. Indianapolis? For the hospital and stuff, yeah. Oh, okay. Thank God. Yeah, this was all like during, yeah. That one specifically is from that. Yeah, because we stayed, we lived for a month in Cincinnati for his radiation and stuff. So that, yeah. So that card pretty much got used for that. You can understand that, but you've got to, hey, contact them. Get them out on payment plan if that's even available anymore. Well, and I've even told them that. Like, just give them a call. I mean, they deal with how many people every day that are like, I, you know, I need to get taken care of.

52:48How do I do it? And he just won't. He just won't call them. Oh, you'll email them. Why won't you do anything? I know she's probably a nagger, and it's probably annoying. We don't like that. But why don't you do anything in the end? make the call, send an email, do anything. Well, I got to the point where I sent emails. I didn't get a response from them, but I did set up a payment plan, and then it never got paid, so it just kind of fell off. And I haven't done anything with it since. Yes, what she is saying, reach out, call, email. I am asking why. Today, you will not. Well, I have done it. I just haven't paid it.

53:31Yeah, you set up a payment plan, but then never paid the payment plan. and now they took it back. Because whenever I was going there. When was that? I'd say it was about a month ago. No, two months ago. Can you make the payment now? That's gone, it's revoked, they revoked it? They took it off. The payment plan, they took it off. Why'd you not make a payment two months ago? That's no longer Indianapolis. Two months ago, I didn't make the payment plan because I didn't have the money in my account. It was probably like$30. It was$150, I think. Okay, yeah, it's a little chunkier. They did a six-month.

54:05$150 is a lot of money. It is. At the time, it was. But so it's$1 ,067, which is what you guys spent going out to eat last month. So what the fuck are we talking about not making a$150 payment? That's a choice. That's a choice. That's not being responsible. That is not being good parents even, actually, I would say. The food is the problem. The food is a part of the problem. from unknown shopping, an additional 984. We'll see where that went. Miscellaneous bullshit could be video games, could be trinkets, could be whatever. 987. Bullshit on here, most likely alone, will range from 2 ,500 to 3 ,000, if not even more because of the large purchases, as an additional 1 ,200.

54:49Now, why did you look at her when I said miscellaneous bullshit? Because I barely buy many things for myself. I barely buy anything for me either. Okay, well, someone is, or combined, because this is minimum$2 ,500 in bullshit, most likely closer to$3 ,500 in bullshit on a monthly basis when we're crying about not being able to do a$150 payment. Who the fuck is doing what? Take some responsibility, both of you. Those trips to Target's going to be in there. Yep, and I, yeah, I would say probably Target, but there's also... What are you doing at Target? There's also a$50... What are you doing at Target?

55:27Buying for my kids. Buying what? Formula's$50. We usually buy that. Is this what you're seeing? She's going there only for necessities? Not for necessities. There's necessities being bought, but there's other things that are being pushed into the car. Tell me about this. That's obviously what I'm asking about. You think I'm sitting here screaming about formula? No. So when we go, we will walk through. We'll get everything that we need. You're kind of manipulative. When we're walking? Manipulative. What the fuck? You're manipulating when you speak. The things that you're saying about him that we then learned was in your phone?

55:58And I say, clearly, miscellaneous bullshit. Why do you look at her? Oh, it's Target. Okay, what's going on at Target? I'm getting baby formula. Obviously, that's not what we're talking about. Do you manipulate everyone around you? Does she manipulate you and people around her? Because she was in this conversation with screen time with how active and tired she is. And then, oh no, I'm in mental exhaustion. Oh no, actually, you know, I get on my phone only when things are done. Oh no, he's on his phone all weekend. Yeah, but that stuff's true. And he could, I mean - He's not on his phone all weekend, actually.

56:26I saw. I'm talking about with me. Oh, it's actually just me looking at wedding stuff all the time on the Facebook Marketplace. Well, it's still fun for you to do. You're doing that instead of things that actually matter. So f*** off. I think you manipulate a lot. I'm really starting to see that. Clearly, with that response of saying baby formula, you'd think I was talking about necessities of Target when he was talking about the bullshit you get and I was talking about the bullshit you get? What the f***? Okay, I want to know what bullshit I've been buying for myself. That's what I want to know.

56:50Because I'm pretty sure every time we come back when we have bags, it's literally, is it stuff we need? No, but it's usually, I decide to buy a cute little outfit for our daughter, a couple pairs of pants that he probably doesn't need. Well, that's so bullshit. When you do that three times a week of different things that he doesn't need. Yeah, but it's not like I'm just out here buying makeup and buying shoes and buying clothes for myself. Like, you make it like I'm just, oh, I'm just buying for myself and I don't care about anything else. And, oh, I don't care about my kids. I just want to buy for me when it's not even that.

57:20It's buying things that just gets thrown away or gets— Thrown away. Half the clothes that you bought for him that was necessity was all given to Goodwill or given to somebody else. You mean the old clothes that he grew out of or got with that? Half of them had tags on them still. That's not true. Right. Okay. The numbers were showing up. I'm going to put$150 for the minimum. You need to call them back immediately, be a big boy, and put the$150 to there instead of the$25 to$3 ,500 a month on bullshit, which is you guys combined. Thank you. What a joke. You guys can't agree on anything. Do you agree on anything?

58:00What do we agree on? I can't even agree on getting married. Hey, when she says she's going to move out to teach you a lesson, when she says I'm going to give you a week, an ultimatum to get your shit together, show some signs of progress, what goes through your head when you hear that? What are you thinking, man? If I were hearing that, I would be actually a little nervous. It doesn't get me nervous at all because I know she's lying with that stuff. I'll bark no bite. I've moved out before. Where? When I moved back to my dad's house. When was this? Was it with me? Yes, it was. When? When I was staying at your house, when everything was going on, and me and your— It has nothing to do with me.

58:42That's my mom. It doesn't matter. I still did it. You think I won't do it again if it's not working out where you're not doing the right thing with you? You didn't? You haven't yet? When it's been about me, you haven't. Is that what we're going to do when we go back home? Do you want me to pack up and go? Because if that's what I need to do, I— will. Yeah, but you haven't yet. You've said it multiple times. Okay, so, okay. It is kind of true. Ultimatums don't work if you don't ever follow through with them. Because I don't want to. I don't want to have to do that. I know you don't want to, but then don't put it on an ultimatum, because it doesn't work.

59:09I don't know what else to do. It'll never be respected, though. Yeah, but now, no, ultimatums even, they don't work anymore, either. Yeah, I know. That's why I'm like, what do I do then? That was, like, my last, like, that's, like, the worst. Well, you might actually have to leave. Unfortunately, for what it's worth, you can love someone and know they're not the best for you and your kids for the rest of your life. Not necessarily suggesting that because I think you are a little bit of a manipulator and I think you are a little bit of a, also the problem. And you do kind of treat him like a child in some cases with the ultimatums and stuff.

59:39And listen, is that going to end a productive result? I don't really know. Treating him like a child. You want to be a child like your ex? I feel like I should, I shouldn't have to do that stuff. Like, I shouldn't have to feel like I'm taking care of another child. I'm telling you right now, if I don't tell him— But when you have to feel like I'm saying maybe you shouldn't, and now you're saying have to feel like? No, you're not the victim at all times. No, I'm not trying to be. But you just did. You immediately turned with me saying, isn't it the best that you always treat him like a child to?

1:00:11I shouldn't feel like I have to. It's the truth. Yeah, but just don't. Why are you? Because I already feel like a single parent every fucking day. So my way to make maybe not feel that way is to be like, hey, would you mind maybe giving our daughter a bath for me? Hey, could you wash some bottles? Hey, could you take out the trash? Why don't you even take out the trash? I do take out the trash and wash all the bottles. Yeah, oh, sorry, sorry. You're right, you're right. You wash bottles. That is the one thing I know I can rely on. And the trash. When it's full and overflowing. It's not overflowing.

1:00:50Buddy, how do you feel when she says she feels like a single parent? That would, like— It doesn't hit the home because she has to have everything her way. Every time I try to do something, it's not her way. It's wrong. Is that true? Why would I want to continue on doing it if it's wrong? That's not an unfair counterargument. No, it's not. And that part, I will say there are some things that I like a certain way. Well, then you're forcing it to only you can do it. But then what about all the other stuff that— What? I don't know. Like cleaning up, picking up, helping out around the house. Like the only thing— Is that what you mean though?

1:01:26We have one little room. There's no picking up. If there's a sock in a spot that it shouldn't be, the whole day is over until that sock is picked up. That's not true. Everything has to be away. No, it is not. It is. Because I want you to pick up after your— Like, I literally feel like you're a teenage boy living in my house. That's how it feels. Because everything has to be your way. Because you feel like it's okay for there to be take-out food trash here and take-out food trash there and a diaper on the floor over here and a pile of your clothes over here. Yeah, no, our room is this fucking big.

1:02:05So, yeah, those couple things make it feel like the entire room is, like, cluttered more than it already is with four people in one room. And because I do it my way? You don't do it. Your way is not doing it. Because it's not your way. What's your way? My way? Your way is letting your Best Buy card go to collections. It did go to collections. Why? That one is before. That one, Best Buy, was Citibank, right? I don't know what bank they have it with, but it's the Best Buy card. I think that's Citibank. Yeah, Citi. Citibank was when he had the stuff in Cancer down in Indy. That was, no. So he's a city bank.

1:02:47City bank, yes. He's talking about the Best Buy card that you used to go buy your computer parts before you met me. That was before I met you. I know. Going into collections was when - So that's almost four years ago and it's still not a payment on it? Best Buy, the actual card was before you. Yes. When it went to collections was when he had - Yet you still have a balance on it, even though you got the balance before you ever even met me. Yeah, that's because I was a dumbass with computer parts. And you're still a dumbass because you're still not paying it. Now, because it's in collections. It was in collections months ago.

1:03:16All that just to play Marvel's Rivals. It's a fun game. Okay, Monarch Recovery. Again, this must be in other collections of yours. Correct. $951.19. What is this? I think that's the mattress. You can settle at 60 % off or in two payments. Monarch? Isn't that the mattress? There's so many weird names for them. Listen, you can pay only$380 at one time, and you'll wipe it out. Why not just do that? You guys make money. You spend over$1 ,000 going out to eat. Why can you not make just a$380 payment, which should just score up like 15 points? I couldn't even make the$150 payment. But you can. You guys spend$2 ,500 minimum on bullshit on a monthly basis.

1:04:00Minimum. Minimum. You just got to stop going out to eat so much. It's not just that. It's other things, too. The other things is mostly you. saying mostly me. What else is in there? I don't know. Ask the guy with all the numbers. I mean, you're... We'll go through it. I mean... What was this for? If that's the one I think it is, I think it's for our mattress. Not our mattress. Your mattress. But that was also a long time ago. That's what I'm saying. This is all like residual stuff from before me. I don't understand how... You still have debt from before we got together. Well, before when I met you, I was paying minimum payments like you are now on yours on all of them.

1:04:47And then a lot of them got—I just stopped paying them when I was covering the whole house. Okay, but that was two years ago. Correct. That all stopped. They went into collections. Okay, so why didn't you call to take care of it? Why haven't you reached out to them to try and figure out how to fix it? Like you set up a payment plan with the National Debt Relief. If I got that set up for you so that they would lump sum it together and you would just pay them instead of distributing against these 12 things that you have and you canceled it. Because they were doing, they were doing, that's when I started looking at TikTok.

1:05:24They were doing the same thing that I could have done myself. Obviously not. Which I didn't do it then. That's the point. Is that I helped you get set up to succeed and get taken care of. and even that you were like, no, I'm not going to pay that, and you canceled it. What? Because I figured I could pay it on my own time. But you haven't for two years. So what makes you think that you can't, like, I'm not, what am I missing? I have more collections. Discover, 2 ,237, what happened there? Discover was. Yeah, these are all for all you, man. You know, it's crazy. I didn't even know about that. I didn't know about the balance.

1:06:06Discover card? You didn't know about any of these? I didn't know the balance. I knew about them. What happened, man? Yeah, I didn't know. You're f***ing this household's credit. How are you going to— Dude, you're going to get a subprime loan on this piece of shit. The Discover card, like, when was that? That was the one. I think that's actually one. Why would you want to attach yourself to this guy for the rest of your life when this is his behavior? Well, this is new information, so. You knew about the Discover card? I knew about the Discover card, but I didn't know you owed$2 ,000-something dollars.

1:06:38What's what happened when you don't pay it? But I didn't even know what the balance was, so how do I? Yes, I know when you don't pay it. I didn't know that there was$2 ,000. On that page alone, you've got five or so grand. You didn't know about any of these in the green room. Colton said this was blowing your mind an hour ago. Yeah, I didn't know about Verizon. What is that? Yeah, Verizon. Verizon, that one honestly shouldn't even be on there. But it is. That one screwed me. Oh, f*** you. I mean, this is not how it works. What do you mean they screwed you? What is screwed you? What screwed you did that happen?

1:07:12Hey, look at you. Brand new iPhone. That's T-Mobile. Caseless. Brand new iPhone. I see you. Yes. Can you afford that? I don't know. She has a case. I can't tell if it's nobody. Yours, I held it. Brand new. Yeah, we got these together. Okay, well, then you're a part of the problem, too. I didn't know about that. You accepted it. Yeah, but you're getting brand new f***ing phones. Can't even pay$150 minimum payment? What are we talking about? He took the phones, and I was like, I'm fine with my phone. There's nothing wrong with it. It works just fine. You want to pass her? No, he just was like, we're going to— We went to the place and see phones, and she wanted it then.

1:07:43No, you said we're doing it. Obviously, I want it. I always get the new iPhone. Which is just absurd. I was perfectly fine. And then we also got an iPad that we didn't need. Actually, I did need it for the job that I was doing. Do you take it to work? I wasn't. that was the second job that I had that I was doing. What was that? That's what we got the iPad for. What job was that? When I was an apprentice. Okay, some financial services bullshit. Guys, this is what a fucking mess. There's nothing. You guys aren't aligned in anything. I have no idea how you guys will ever watch it together. So it's financial services, 1 ,329.

1:08:25Macy's? You have a Macy's card that went to collections. How? How? Macy's was... She didn't even know about any of this an hour ago.

1:08:38Macy's, we used it... We went there and used that card. Who? Me and you. When we went to the mall. When you bought your cologne? Is that what you're talking about? That was not what we bought there. What did we get there? We went there and we had to get stuff that was upstairs. Are you pushing blame on her? Kids. Well, because every time we go out... I don't want kids anything at Macy's. It's upstairs. The only time we've ever gone to Macy's was to get your cologne. That's not true. News to me. We went there on a way, also got Christmas stuff too. And then you let it go to collections? I did let it go to collections.

1:09:15That's you.

1:09:20Capital One. Who has a Capital One Platinum? That's mine. Okay, well, you have a balance of$346. The person who's so good at finances with the$25 minimum payment takes almost two years to pay off. Interest accruing. It's not that far from maxed out. Probably was just recently. Interest accruing. So what the fuck is going on here? Nothing. I mean, I just make the minimum payment and I just, I had it on autopay. Why are we spending so much on bullshit then if we're not just paying this off? You can pay this off with a third of what you guys spend going out to eat. I'm so confused. You guys' lifestyle makes no sense.

1:09:53You care about nothing other than going and just getting something to eat. getting a drink it and so close we don't need bullshit I mean I I'm being told endlessly that you go in for just one thing you need but leaving with five things you don't and don't forget I want you to be on the next episode of financial audit so go to calebhammer.com slash apply or click that link in the description below you'll have a great time and I'm gonna roast the out of you guys just real quick don't forget to take your hammer financial score at calebhammer.com See where you stand, where you gotta do better Where you're doing shit That's it, it just takes a few minutes and it is free Figure out where you stand in the world of money Calebhammer.com That's you!

1:10:35Yes And you can pay this off like this You guys making$4 ,900 net as a household together No, I don't even think I did that math right Did I? No, no, no, no, no, no, no No, absolutely not, it's probably$5 ,900, right? No, wait, no, no, no, I'm Yeah, it is$4 ,900, okay Good, with that In that shitty town, you guys are doing fine You guys are doing fine. Yet somehow, we always have no money. I don't know. No, no, somehow. Fuck you. I saw you're spending somehow. Fuck you. What are you talking about? Go in needing one thing, get out with five you don't. Fuck you somehow. Fuck you. Make this payment, get rid of the minimum monthly payments, and you have money.

1:11:12It's magic. What's wrong with you? If we stay home, we don't spend money. Okay, yeah, we can keep on defaulting to that if that's what makes you feel better. Well, why can't you stay home a day? Why do you have to go out every day? He's suggesting not. We do stuff Saturday, Sunday. That's it. Now, before when all this was going on, it's been nonstop. We can't stay home for almost a day. Always leaving. We are literally crammed in a room. So because we're crammed in a room, we have to leave? And it doesn't have to be spend money. As I said earlier, like, if we just went for a walk, like just got outside with our kids, our kids don't deserve to be locked in a room this big with you, me, both of them, their belongings, our belongings, a dog.

1:11:59Doesn't that have a yard? There's a yard. Well, what the f***? Yes. And he has a play set outside. Oh, okay. That he won't play on because it's too small for him. Okay, go ahead. But it's still a play set outside he can still play on. How does he play on it if it's too small for him? How? We could literally go to the park that's right down the street, but getting you to do that is like pulling teeth. But we don't. I don't ever argue about it. Yes, you do. I tell you every time we can go do it. That's fine. No, you only ever. But every time we do go to that park, what happens after the park? Oh, let's stop here and do this and then do this.

1:12:34Every time we get in the car and leave, let's go somewhere else. It's never go to the park and then go home. And whenever we go to the park, oh, it's seven o 'clock at night. We don't have time to make dinner now. Go to Cane's. Go to Chili's. Go to wherever we go. So if we stay home, we have no choice but to— Okay, so if we start staying home, are you going to do things with us? Like would you sit down and color with your stepchild? Are you going to sit and play with your daughter? That's what I've been doing. Are you going to conversate with me? I can't tell you the last time we sat down and had a conversation as a couple.

1:13:14We don't talk. But also you're the one who has the on your phone when we're together. Nine times out of 10, when I'm on my phone, when we're together, it's because you bring something up and then we start talking about something and we're looking at it together, looking at something or researching something. Nine times out of 10. Same thing when you're on your phone, when we're together occasionally, you will actually do that. If I'm on my phone, it's when we're, if I'm on my phone, it's me doing what I'm doing, which is during the week. I don't think that there should be any time where I'm sitting with our kids, spending time with our kids, and you're just...

1:13:54You have a maxed out credit one. I have a what? Maxed out credit one card. Yes. The worst card basically you can get the definition of being bad at money. This Father's Day, do more with Dad and spend less with low prices guaranteed at the Home Depot. Get him fired up with a new grill and accessories, like the Nexgrill 5-burner for just$299 so you can spend more time together while he becomes the grill master he was always meant to be. Or build memories with savings on top brand power tools so you can tackle projects side by side. Gift more and do more together this Father's Day with help from The Home Depot.

1:14:32Exclusions apply. See homedepot.com slash price match for details. You have that. You took that out. You maxed it out. So what the f*** are you talking about? Yo,$292.76 with a$30 minimum payment. Fees, interest, accruing like crazy. Credit one. What are you talking about? Going to sign getting some bullshit with this? I don't remember exactly what I got that for. I got it years ago. Years ago, yet it's recently maxed out. I haven't used... Because it would be going down more if it wasn't maxed out just within the past at least six months. I haven't used a credit card. It's impossible with that balance.

1:15:16That's what I'm saying. You pay these cards, but you use them after that. You're just spinning in a circle, going nowhere. Didn't that month because you can't. There's only a couple dollars on there. You get maybe a candy bar. I don't. So it must have been that other one. What? The other card. For what? whenever you use it. Please tell me the last time you saw me use a credit card. I'd say it's been about three weeks. Yeah, you're high. What is this credit builder account you have? It has a 16 % interest rate. That's pretty bad for a credit builder. And you leave a$356.45 balance with them with a$35 minimum repayment.

1:16:04And then you have... you have a, you put, you gave, you got into CDs with them, $717 at 0.1 % interest. 0.1 % interest. So that card is, that card's not the same as these. So you pay. This is a credit builder. I still know what, I know, but it, so I pay on it and every time I pay on it, it builds it up and then I get it paid back out to me. It's not like, it doesn't become a credit card. You pay on it. What pay back out? Where's your pay back out? Going into your CD of 0.1 %? No. So I pay, what is it,$20,$30 a month or whatever? So I pay$35 a month every month. So the balance on it isn't like a credit balance.

1:16:42I can't use that card. I can't use the money that's on it. I know you can't use it. So it stacks up. And then once I've reached a certain number, like let's say a$500, like that's what the credit card is. Once I've paid that, all the interest, everything, all that, they'll pay it out to me. So I get paid back the however$700. 100 % of the interest. Yeah, I got all of it. So how are they making money? I don't know how it works. I just know that I've done it twice where I've paid it, paid it, paid it, and it built up my credit, and then I got a payout at the end. It's, I don't know. Well, I don't see what brand this is, or else I would look that up.

1:17:16Oh. Yeah, I can't think of what it does. No, no, no, I got this. No, you do not get the interest back. That's how they're making money. You have no idea what the f*** you're talking about. No, but I do know. But thank you for being so confident. I can't believe you had to make me look that up and make me question if I was a f***ing f***er or a viewer. work. Dude, come on. No shit you don't get the interest back. Yeah, you get the balance back, but not the interest. But that's what I'm saying. So what I'm saying is you are losing 16 % on it. It's stupid. I know you're not spending it, but you did on credit building.

1:17:48You spent it on credit building. You are still losing that interest, 16%. You're gaining nothing. Shut the f*** up. Okay. I'm just going to write this one off because the next minimum payment will take care of it. Well, what is this? Affirm? 86.25? That's you. Zip. What are you zipping? Zip. Zip. That's everything. I used that for a hot minute recently. Payment plan, everything. Oh, and here's another 27. Oh, keep going. Oh, here's another 25. Pull up your zip. Let me see what you're buying. Let me see what you're buying. He's using that card more like a debit card. For for sake. Guys, why? Why are you zipping everything, man?

1:18:30And you guys have money. You're ruining it at all. Oh. Food. Christmas. Yeah, Saltgrass Steakhouse, 136. Think you can afford that? What the fuck are you doing? Target. We'll consider half of it bullshit. Amazon, 344. Michael Kors. Soho Japanese Bistro, 107. Like, you guys are actually, like, spending, like, expensive places. I mean, Texas Roadhouse, Buffalo Wild Wings, Jinya Ramen Bar. Not up there. Here. There. Huh? They have Virginia up there? Mm-hmm. It's gone that far. Right by Notre Dame, yep. Jeez. Good for you, Virginia. Good Tingotsku Black. I didn't know that that was like a chain. It's from Houston.

1:19:12Interesting. I don't know who made it that far. Best Nails Spa. Best Nails Spa. Yeah, so you're spending almost 80 bucks a pop there. Multiple times. Athens Jewelers,$553. Now that's the ring. Sake. Olive Garden. Camela's. More Athens Jewelry and other 506. Artimo Babel, 148. Kill me now. Notre Dame Owlette Center. They literally refuse to play football games and yet you still buy their shit. That's pathetic. Go Irish. Yeah. If they play. Trade Wins Restaurant. Olive Garden. This is a joke. because it's going to be all food. Pathetic. Listen, I mean, I'll get you a course career certification so you can at least make more money.

1:20:07One of you. Okay. People in the audience convert those into a six-figure paying job. You can too. So you need to make more money. It helps us get out of this debt, but that's if you do not lifestyle and inflate yourself. Oh, for f***s sake. What's the bridge request? Oh, it's Ford Fusion. Your car? For f***s sake. For f***s sake. Okay. King. Good. You got a Ford Fusion,$14 ,159.23. The minimum monthly payment of what? I pay$344 a month. Oh, my goodness. Well, that's going to f***ing stack. What do you think it's worth? We actually just recently checked. My car's only worth like six grand. Six?

1:20:45We got nine. Really? Well, trade-in might be six. We got nine private party. Okay. So that actually might make sense. Let's see, guys. And you want to make that even worse? buy a$30 ,000 car that'll be worth like$15 ,000 immediately? 2024. Mustang. Dude, it's a fucking Mustang. What are you doing? It's pathetic. They're nice. I like them. No, they're not. And no, you don't. No. Oh, my gosh. It's better than the Nissan Altima. I think it's horrible. Yes, it is. Everything is. Like, what? Yeah, there's a few shitty cars, and you're still picking one. Okay, bullshit. Panera Bread, Burger King, all this money that, hey, we can't put towards our minimum payments.

1:21:32Apple Cash, Subway. Go inside and get into bullshit. What are we doing when we stop in a gas station and get something for$2? What are we doing? Who's doing it? What is this? Cash App, right? You went into Citgo. $1.59. Cash App. That's because I have a trick when I go get Subway. Inform me. Well, if you go to Subway at a gas station and you use the footlong deal. You get a footlong for seven bucks, then you get a pop because I'm not spending$3 on a pop from Subway. So I buy it from Citgo for a dollar, whatever it is. 59. Instead of paying$17 at Subway, I spend eight.

1:22:16That's your trick. Yes. Buying something that's still more expensive than buying in bulk. Everywhere I go, when I go out to eat, it's all with whatever trick discounts I can use. Or if you want a trick, buy it in bulk, then take it with you, and then it's like 50 cents a can. And also you're going a bottle. You can buy the bottle bulk too. Bottles aren't the same either. Nope. Fountain drinks. Oh, for f***s sake. Fountain pops so much. This is also the same. So when we do the grocery thing, when I was like, let's go grocery shopping, we'll do it that way. Oh, so you're going to Subway. Do you have taste?

1:22:52They got a really good chicken bacon ranch. How do you read that? Do you go for the caffeine or do you go caffeine free? Caffeine. There you go. Gamer Subs, 40 cents a serving. Make it yourself. Shake it, shake it, shake it. 40 cents a serving caffeinated. 10 % off using my code, Caleb. Link in the description below. Get your free samples. See what flavor you like. And then you get 40 cents a serving. You're making that at home now. Okay? There's the caffeine free version for hydration electrolyte drinks. Or there's the caffeinated version. Stop being a weirdo, man. There's electrolyte drinks too?

1:23:25Yes. I need those for work. Okay. Thanks. For work? I thought she said you did no physical labor. That's what she thinks. They're very good. They're honestly some of the yummiest drinks you will literally ever have. It blows everyone's mind. Is this queso? Yep, that one's queso. No, it is queso. Okay. McDonald's. Dunkin' Donut. sending someone$62.50. What, for weed? What are we doing? $62. Yeah. That's our rent. Yeah. And you can't pay off that. You guys are broken. Yummy Bowl, Cinemark, McDonald's, Tycho Bell, Texas Roadhouse. I think I'm going to give me some Texas Roadhouse later. That sounds good.

1:24:09Burger King, I can afford it. We'll go in and get into some bullshit. Apple Cash sent out$139. Monarch Recovery Management. So you went on a minimum monthly payment there. I did do one with them, yes. Which one is that? That's... Which one can I add a minimum of payment to for that to wipe out? Monarch, I think, is the mattress. The what? Monarch. It's what? It's like the one that had the six-month... Yeah, yeah, yeah. What is that? The Discover, the mattress, the Verizon, the Hudson? Mattress, I think. Mattress? Okay. I believe so. Okay, so what is that? Oh, shit. So instead of the pay-all and...

1:24:47What is that, 115 then? Yeah, instead of that$300 pay once thing. You're going to pay$116 six times instead of$300 once? Wow, that's smart. It works better at the time. You're going to continue breeding with that brain power, this little trick with fountain drinks. Yeah. Okay, Mission Barbecue, Dairy Queen, Dave's Hot Chicken, Raising Cane's, Burger King, Amazon, Dunkin' Donuts, going in and getting your little trick drink, Wendy's, Sushi, Cinemark, Taco Bell, Taco Bell, Apple, Apple, Wingstop. You guys are spending so much money. This is insane. And you can't make a payment. Get off. Hibachi, Apple, Amazon, Taco Bell, McDonald's, Cinemark.

1:25:28Sending out money. Steak and Shake. I'm a Steak and Shake. Spotify, Chili's Grill and Bar. Go ahead and get some bullshit. Marshall's for$200. Sending money. Kohl's,$200. Taco Bell, Olive Garden. When does that get some bullshit? Raising Cane's. Steam. Oh, what's that one? I don't know. 11 bucks. Sounds like in-game to me. Skins, Marvel Rivals. Could be. Mm-hmm. Go in and say it is a bullshit. EA. $18. Paramount Plus. Yeah, I didn't know about that one. Why? Paramount Plus. $90. Sent out to someone. Burger King. Chipotle. Chipotle. Prime Video. Burger King. This is pathetic. This is pathetic. This is...

1:26:12You use Cash App Advance? Hmm. Fuck me. Borrow? Oh, there it is. Oh, there it all is, actually. I just flipped the page, and there it all is. Fuck me, man. Apple Cash. Okay, good. Is this your Cash app? Or does he have a second Cash app? That's probably mine. Oh, for fuck's sake, guys. Went inside, got some bullshit. Smiley indoor playground and arcade,$46. Sent$175 out. McDonald's, sent$5 out. Sent$5 out. Sent$150 out. It's pathetic. This is why I like Chime. The send out on mine is my paying rent. Chime's better than Cash App. Better high yield savings account. And you get$350. And you set up direct deposit using my link.

1:26:55Get a free$350 right now. When does that get some bullshit? Dunkin' Donuts. Oh my gosh. I'm about to kill myself. Fifth or third bank. Who has this? It's me.

1:27:07It's crazy seeing this shit that is like local to my past life. Burger King. Well, that's not local to my past life. Holiday photo. Go on a second and some bullshit. Buyer's Market. Bendix Family's Restaurant. Cash App. Cash App. Dunkin' Donut. Cash App. Go on a second and some bullshit. New China. Ben Soft. What is that? I guess you remember. No. Cash App. Cash App. Cash App. Cash App. Cash App. Snack. Chili's. Chili's. Dunkin'. Cash App. Cash App. Best Nails Spa. Restaurant. Olive Garden. New China. Best Nails Spa. Bullshit. Nintendo. Bullshit. Cash App. A chiba? A chiba? Ichiban? Ichiban? Yeah.

1:27:50What? $50 what? Is that the buffet? I'm going to die. Ichiban. Oh, no. That's the place about the house. Apple, Panda Express, cash up, cash up, cash up, cash up, cash up, cash up. I'm going to draw. Who knows where that$40 went. Some going inside getting some bullshit, I think. Cash up, cash up, cash up, bullshit, cash up. You went inside and got some bullshit too. $3, cash station. What the fuck is wrong with you guys? Notre Dame never even went there. but you got a check-in account with him. Oh, got an overdraft fee. Bro, he's just overdrafting left and right. Why do we have another cash app?

1:28:24Zero bucks. I don't even know what's happening there. That's your savings, isn't it? Yeah, this is his savings account. Wow, thrilling. 20 cents. What a father. $91 in yours. Not much better. Plus another 53 in that one. Pathetic. Cash app investing,$12.11. Wow, we're just doing so great. That's probably mine. What about the savings for this car? What is this I save$200 a month? Savings for the car only came after tax season hit. Of which this just is now. Yeah. So your amazing$200 a month is you have$200 set aside once? No. It's a little more now. It's probably like two grand. Okay. It's a little better.

1:29:09Do you believe that? She is shocked face. No. You have more than that in there. More? For the car? Yeah. I just saw it. What is happening? How much? I'm pretty sure when I just looked at you, you had like 53 in there. That's not all for the car. Well, congratulations. You're keeping about, well, let's figure out what you need to survive. And you're taking the rest and you're throwing it to death. And that's not an option. I don't give a f*** and you're going to continue using your mom's car or her car. I don't give a shit. we're sharing cars we're dropping each other's off welcome to what Americans did before like the previous 20 years you mean the suggestion that I made that we share a car for a little while yes it's okay to have a little sacrifice $4 ,900 is what comes in thank you is what you're gonna say to me by the way for paying net taxes so you guys can take taxes because that's why you have that 50 whatever sitting there welcome because of the children I give you money you're welcome thank you call me daddy next time love writing my checks wasted on people who refuse to sacrifice on their own debt minimum payment$700.39 rent currently what is it it's weird $500 that includes everything utilities, internet internet's separate how much 75 I think Okay Yeah Yeah 75 Okay I don't That's all me I pay all that Okay He has to get his high frame rates Phone bill What was it I saw like a 150 150 It's like 255 It's split So that's why I said Gas Vroom vroom Drive drive How much for probably we'll just say$160 a month.

1:31:15Okay, car insurance. I pay that. It's$111. Necessary food, you two kids. How does food work at this house while you live there? We don't really have anywhere to put food. So they take care of it? No. How does it work then? That's why we eat all the time. If you shop, if you get a little cooler. Oh, sorry. We have a drawer in the fridge that we can put. Dude, get a Facebook marketplace. cheap little fridge. It's okay. Yeah. So that's what I thought. That's what I wanted to do. And then it was, I don't care anymore. That's what you're going to do. Okay. Three kids. We can do two kids. Plus you guys follow that.

1:31:47You're doing meal prepping. It's not the most fun, but it's fine. $900. Anything else you guys can just survive on a monthly basis. I'll do$300. That is nails. That is cool activities. That is whatever. It changes per month. Medical healthcare co-pays on a monthly basis. Any? No. Okay. Is there a gym? No. No. Okay. subscriptions. Let's try 40 bucks a month. You said there's a dog? Yes. Age, health? Eight. He's good. Okay. Let's try to get pet insurance. 50 bucks. How much for pet food? Dog food? 40. Every probably three weeks. So we'll just say 40 a month. Okay. 40. Anything else that needs to be in this budget?

1:32:25I think subscriptions is probably more than that. Yeah, subscriptions. Well, no, it's not. You're cutting it down to 40. Okay. You're lucky I'm even giving you that. I used to give zero. I've been paying a lot more on gas recently. Well, should I make the gas up? Yeah. You guys are going to be sharing a car now. Oh, well, now then no. Until you give that car back. I would use it. But now the catalytic converter is bad, so it's like 12 miles per gallon. Yeah, it's bad. Okay, I'll boost up gas to 200 from 160 or more. Okay, so plus 40. Gotcha. Listen, I mean, you will be able to... You guys are just responding.

1:32:57It's just because you spend it all on fun. It's because you spend it all on fun. You guys are totally able to get out of this. So you have an extra$2 ,228.61 a month. I'll give you fun of$228.61. Okay? All your savings above$2 ,500, you're cashing out and you're throwing it towards debt. Today, that is not an option. You hear me? That is the reality. You are not getting your car yet. Our debt situation, including collections, $25 ,861.26. sense you're gonna wipe out about 2500 so you have 23 000 hours of bad debt of 2000 hours to pay you pay it off in less than a year then we save up a fully funded a six-month emergency fund and i think about six months maybe even less and then you guys can move out you can get married before then as long as you actually start seeing some behavior change but you guys are moving out in a year and a half living a great life living 50 30 20 50 percent on needs 20 on investing 30 on fun living a great life, make a good income for the area.

1:34:02You're totally fine. F*** off. This is one of the easiest situations I've ever seen in my life. This requires a little bit of budgeting, a little bit of sacrifice, and actually combining your shit and getting on the same page and f***ing communicating. Maybe go to couples therapy. F*** off. So easy. What bullshit. I want to call this dad who actually is, I guess, needs to stand up to you for the first time in the post show. And we will talk more about, oh, shit, some other things they didn't want to talk about in the main show. They wanted to wait for the post show because there's less people watching.

1:34:30Okay, let's get the Hammer Financial Score. Spending in a budget. Let me see. You brought in 8 ,200, which is actually how? Oh, okay. Most of it's taking out debt. Never mind. Okay, actual pay is what you said. Where we spend 7 ,600. Okay, 0 out of 10. You ever spent debt? There's a collection 0 out of 10. Merchants fund? Now, I'm glad you have some money. Then it should go to debt. I'm only considering that about a 2 out of 10 on the emergency fund because you need to pull money out put it towards that and you'll still have a collection so fuck off, retirement 0, real estate 0 Hammer financial score round up,.5 out of 10 get yours at CalebHammer.com click join, join Hammer Elite, the best membership on YouTube where you get 3 premium, incredible high quality shows posted every single day 6 days a week, including an extra 20 minutes of this episode called the financial audit post show it's going to be a good one what could you not talk about in the main show?

1:35:26I don't think that we should be paying for. I don't like that. Hello? Hey, so we're - Did you buy a time share? So, um, so - Oh gosh, I really don't want to know. Hammer Elite is the best YouTube membership on the platform, and I just upgraded it. Three exclusive dedicated shows every single day, Monday through Friday. Join with the link in the pinned comment or description below. This is the best membership you'll ever join. That's a promise. Have no fear. Chosen Foods is here to defend your favorite foods from the forces of seedy oils and sketchy ingredients. With cooking oils, salad dressings, and mayo, all powered by the good fats from 100 % pure avocado oil and simple, delicious ingredients.

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