Financial Audit - Affair Exposed On Financial Audit

Starting point is 00:00:01 Visit BetMGM Casino and check out the newest exclusive. The Price is Right Fortune Pick. BetMGM and GameSense remind you to play responsibly. 19 plus to wager. Ontario only. Please play responsibly. If you have questions or concerns about your gambling or someone close to you, please contact connects Ontario at 1-866-531-2,600 to speak to an advisor,

Starting point is 00:00:22 free of charge. BetMGEMGEMP operates pursuant to an operating agreement with Eye Gaming, Ontario. This spring, Denham gets a softer, lighter, update. Introducing Old Navy's drapey denim wide leg, a new fit that moves with you. It's everything you want denim to feel like for summer. Easy, breathable, and effortlessly cool. With a fit that creates natural movement and a wide leg that feels modern, not overwhelming. Plus, that signature, wait, for this price, moment. Old Navy's drapey denim wide leg. To watch episodes of Financial Audit a week earlier, check us out on YouTube. You want him to lock you down because you have an

Starting point is 00:01:02 extreme anxiety about him leaving you. You're watching all the security cameras constantly at his job. Making sure he's not talking to anyone, not flirting with anyone. He didn't know though. It's still bat shit insane. How's the sex life?

Starting point is 00:01:15 Okay, well that's interesting. And his checking account, he's actually purchasing only f***ens. You said that's cheating. That is cheating. He actually won't have sex with you even. He was subscribed to two individual ones. Why?

Starting point is 00:01:28 No, no, no, no, no, no, no. No, you objectively are. They're right here, you can see them. Fing yourself for a lot. Oh my goodness, watch, watch, watch what. If you scroll. Just let him talk, let him call you. Watch?

Starting point is 00:01:38 That's gross. June 1st, I'm launching the Hammer Elite app, available on every major platform. Join the wait list by using the link in the description or pin comment down below. To get a never-before-seen financial audit video and then an exclusive offer just for you, you'll get lifetime access to the entire Hammer Elite catalog

Starting point is 00:01:59 and our Hammer for Lifebox, packed with limited edition merch. So mark your calendar. June 1st. This is the best membership you'll ever join in, and that is a promise. Hello, I'm Chelsea, and I'm 20 years old. I'm Mike. I'm 23 years old.

Starting point is 00:02:15 We're from Gainesville, Texas. And this is Financial Audit. Why won't you marry this woman? Well, why won't you marry this woman? I know that's why the fuck you're here. You're not marrying her? So I feel like our finances has been a big part of our relationships

Starting point is 00:02:31 since I've met her. I've been taking care of her since she's left her dad's house and everything. When was that? She's 20. So... So...

Starting point is 00:02:38 So... Are you taking care of her? So we first met at a July 4th party and she was 18 and she had a boyfriend and everything. And, uh...

Starting point is 00:02:50 That night, we were just hanging out. She was drunk. I was sober. And I... I heard that she liked me. That's interesting that you guys are like, Like, literally, why did you start this by line?

Starting point is 00:03:02 You guys met when she was 15. Oh, yeah. Whoa. Oh, oh, yeah. Oh, well, well, whoa, whoa. Wait, wait, wait, wait. That's right. I tried first.

Starting point is 00:03:10 She wanted my Snapchat and I was 18. I was 18. I know. I was 18. I was like, no, no. Please. Oh, yeah. Yeah.

Starting point is 00:03:17 But you waited. She had like braces and she was like, you know. He said no? Yeah, I said no. Okay. He wouldn't give me his number, his Snapchat. But my brother did. I dated.

Starting point is 00:03:26 And they kissed. Well, it's a brother. He's, uh, he's, you're. He's 11 months younger than me a year. Okay. So, okay, that's high school bullshit. I don't care about high school bullshit. You kissed his brother.

Starting point is 00:03:38 Okay, so you groomed her, waiting for her to turn 18. Per se, but, you know, we're here now. I mean... You're here now, and she wants you to pop the fucking ring, pop the question, and yet you won't. And I know it ties back to how everything is completely... Yeah. But she badges you constantly about wanting to get married. Why are you actually...

Starting point is 00:04:00 actually waiting so long? What is happening? Well, it's because I feel like in a place we are right now, if we do get married, she would instantly want a child. And I can't afford to support both things. I never said that. No, no, you have. You've had baby fever for a while now. But I wouldn't have a baby as soon as we got married. And why would it matter? We would be married. I mean, I feel like baby would be the next step. And you would always want to do more like steps. Like steps. by step in our relationship. You didn't answer why you didn't want to get married? Yeah.

Starting point is 00:04:37 Our finances. You said a lot about nothing. You said it about the baby. She's like she's okay with not getting the baby immediately. Well, I feel like she says that now, but once we do get married, I feel that's the next step. And the reason I feel like the finances are such a big thing in my decision to not like pop the question is because I feel like. she doesn't understand anything with money.

Starting point is 00:05:06 But in a marriage, you work together to understand money. But you don't understand like a worth of the dollar. Probably, maybe. I mean, do you? I don't know. Who's dead is this? Is it all hers? That's all mine.

Starting point is 00:05:17 Okay. So, okay, it's all yours. Then is it her lack of understanding the value of a dollar? Maybe. She's likely not going to, I mean, especially, I mean, young people today, apparently is like, you're just. children until 25. I don't know. That's what women say. Yeah, I think that's true. For some reason we let you... That's what Faspa says. That's what does Faspa say. Well, we let you vote at 18, serving the military, drive at 16.

Starting point is 00:05:42 Okay, you can't decide if you're able to get a... going to date with someone to 19, but yep, you're a child until 25. Yes, of course. So, okay, maybe there's some truths of that. Not really, but even still, maybe she's more financially immature. She hasn't... Are you in college? What are you doing? I am in college. Well, there you go. So she hasn't really been an adult yet because it's still like a playground. Yeah, exactly. College is like a playground. It's like, it's not much.

Starting point is 00:06:08 It's really no real world experience in college. I feel like the only reason she wants to get married is because she sees her cousins want to get married. And that's literally the only reason. You're dressing like you're inbred, but. What, us? Her, with the camo and all that shit. You're in Dallas. I don't know what the heck you're doing.

Starting point is 00:06:26 Well, my cousin's younger than us and she got married and she's had to have. having a baby. Okay, so what is the baby thing? You want to get baby? Because I know, because this might actually ruin your relationship. Because you cornered him at a baby shower while he was drunk. You were just badgering, badgering him, badgering him. Oh, dude.

Starting point is 00:06:41 It wasn't fair. You sent him cheap wedding rings constantly on a daily basis. You saw someone at the baby shower get engaged and you completely lost your shit. Bro, like literally two nights ago, she was like, I can't do four years of this. I can't do four years of this. You're going to wait forever. I'm 20. Yeah, and I'm married.

Starting point is 00:07:01 Yeah, and also you're 20. So, like, it won't be forever a few years from now. The thing is, like, hey, if you feel she's the one, yeah, sure, just wrap it up. Yeah. I do. Get married. But also, like, it's okay to wait a second. Like, how long, so how long have you guys been together?

Starting point is 00:07:14 Three years. See, that also doesn't line up with the 20-year-old age. Just going to let you know. But she's about to turn 21. Like next month. Uh-huh. So you've been together for three years. I do, you think I give a shit if a 19-year-old was a 10-year-old was a little.

Starting point is 00:07:32 as a 17-year-old? Like, who gives this shit? That doesn't... Well, you guys... The thing is, she also had a boyfriend at the time. This is... Yeah. I stole her.

Starting point is 00:07:42 I stole it. Okay, she cheated on him. Yeah. You cheated on your boyfriend. Well, I don't like to say that out loud. But you did. It happened. I did.

Starting point is 00:07:51 You did. Hopefully it doesn't happen again. No, it won't. No, won't. Well, what? You were 17, all right? So you were 17, and... I don't know, that's like a high school.

Starting point is 00:08:02 High school cheat. It's like barely even real life. He went to the military. He left, so. Okay, so you're a bitch. Yes, yes. I said a letter. Saying I'm breaking up with you?

Starting point is 00:08:12 I wrote a letter with you. But did he fuck you before you broke up with him? Yeah. See? All the whole time. Uh-huh. So you're a wh- No, I don't think so.

Starting point is 00:08:21 Well, what's your fear? Because you left the guy. Here's what I have from the notes. You left the guy. You cheated on him because you're a sleck. But the thing is, you want him to lock you down because you have an. extreme, constant anxiety about him leaving you.

Starting point is 00:08:36 So you think if you go ahead and get married, he can't leave you. Just because you were a horrible bitch to someone doesn't mean he's gonna be a bitch to you. Just because you're a h-f-or doesn't mean he will. Have you ever cheated on someone? No, bro. Okay, see? Doesn't mean he'll be you. Well, the thing is, like, I feel like he wanted to marry you.

Starting point is 00:08:56 Like, he wanted to get all those benefits of, like, marrying someone. So you guys were gonna get married and stuff. And then I came along and you were like, I want to be with him instead. And ever since then, you've been on this like marriage crusade. Oh, she's afraid. She's literally afraid of you leaving, like actually afraid of you leaving. And, I mean, I would personally actually be afraid of marrying this,

Starting point is 00:09:16 which is you. I mean, that's actually what I'd be afraid of. And I'm okay with marrying that. But she, no, it's because, no, you have something wrong with you. Yes. What? No, you're obsessed with him. You bailed on that dude.

Starting point is 00:09:30 You're obsessed with him. You're watching all the security cameras. constantly at his job when you first started dating, watching, making sure he's not talking to anyone, not flirting with anyone, because it's your own security. It's because you're a cheater. Because you're a cheater, you think he's going to leave.

Starting point is 00:09:44 Because you're a cheater, you think he's going to cheat. Yeah, that's one of the things. I feel like there hasn't been a line of trust with her. She doesn't really trust me fully. And I feel like it's just stents from her mother in a way because her mother, like, did some bad shit to her when she's younger. No, she's a cheater. She cheated.

Starting point is 00:10:03 Buddy, she lost her shit when she saw you be too friendly with a co-worker. Because I didn't want people to think that they were dating. He's friendly with the co-worker, bitch. He was picking her up. He was picking her up. Okay, okay. Like, I get it. Chasing her, recording her, pulling her hair.

Starting point is 00:10:22 That's weird. Hold on, actually. Maybe that's weird. Pulling her hair is kind of crazy. He would pull her hair. Well, if you are, that is actually a little fucking... Right. I didn't want people to think that they're...

Starting point is 00:10:30 But why are you watching the cameras? Yeah, that's also... insane by the way bat shouldn't say well my aunt let me she'd be like here you can watch him all right you need to see this this is a multi-page report of what data brokers claim to know about me my addresses phone numbers relatives spending habits stuff i didn't even remember telling anyone and these companies are making billions selling this to literally anyone scammers spammers whoever wants it and let me ask you this do you use apps every day that you know are probably harvesting your data but you just accept it because what's the alternative?

Starting point is 00:11:04 Disappear off the grid. Thanks to ORA for sponsoring today's video. ORA protects your privacy by identifying data brokers that are selling your personal information. And more importantly, ORA takes care of the hard part by automatically removing your info from these sites and keeping it off because I'm not spending my weekend emailing shady websites begging for my data back.

Starting point is 00:11:25 And yeah, there are other services out there, but none of them offer as many features as ORA does for the same price. You get alerts if you're not. info shows up on the dark web, real-time fraud alerts for your bank and credit accounts, and 24-7 monitoring to keep your identities secure. It also includes a VPN, antivirus, and a password manager. And if something does go wrong, you've got U.S.-based support available around the clock, plus up to $5 million in identity theft insurance with fraud experts ready to help.

Starting point is 00:11:53 Take back control of your data. Go to order.com slash Caleb to try it free for 14 days and let it start scrubbing your personal info off these data broker sites. All right, let's get back to the episode. Yes, but that doesn't change. It's still bat shit insane. He didn't know, though. Because you're a cheater, you think he's going to cheat. Yeah, why don't you trust me?

Starting point is 00:12:14 I do trust you. No, no, no, she's afraid of you leaving. It's not that she doesn't trust you. She's terrified of you leaving, finding someone better, someone not so and shit. I mean, I love her. Oh, that was the Pope laugh if I've ever heard of it. I mean, I love her. Why do you say that?

Starting point is 00:12:29 Because every time we talk about breaking up, he like cries, like gets on his hands and knees and he cries. They'll leave me. Gay. No, it's not that. What's wrong with being gay? No. I don't have problems with the gays. Okay.

Starting point is 00:12:43 It's just, uh, I feel like she doesn't understand that every argument we have, it ends up with her saying, this is my house. This is my house? She says this? Yes. It's your house? No, my dad bought it for me. So technically it is my house. Oh, you're a cheater and a spoiled bear.

Starting point is 00:13:02 It is my house. This is why you don't have debt or anything because you're spoiled from the parents. What college do you go to? NCTC. It's a community college. Okay, never mind. Okay. And I pay for it.

Starting point is 00:13:16 No, you have a loan. No, I had a loan. You pay for it, but that kind of works like that when your parents have bought you everything and you have no overhead. Yeah, that's easy to do. That's what your parents are supposed to help you. Yeah, not.

Starting point is 00:13:27 You buy you a house. I mean, it's cool that they can, but you also haven't learned anything by 20, and that's one of his big fears. Mm-hmm. Well, I feel like the way it happened is because our apartment was way too expensive, and you were like, kind of like crying about it. Be like, hey, they're raising our rent and stuff like that, and they're like, oh, let's help you out. Let's buy you a house. Well, my parents, we were at a Christmas party in there drinking, and I asked them. And they said yes.

Starting point is 00:13:52 So they drunkenly told me yes. Dude, you were on the phone with Lindsay, literally bragging, like crazy that she was. use your parents like an ATM. Bragging. That's not a joke. I love my dad and he helps him. That's who you want to be with? Someone that's going to suck sugar free? No, the thing is... Yeah, but she's going to like just endlessly be draining money from you forever. I feel like the reason your dad helps me is because he's doing it for you.

Starting point is 00:14:17 And I feel like that's something that I want to like have things of my own and things that you can't say it's yours only and it's your truck. and stuff like that because he was going to put the title of my truck in your name because he was scared that I would take the car away from you if we ever did break up that I paid for it all out no I pay for the car no I pay for the truck oh well yeah all of it he wanted to put the truck in my name even though he paid for it because it was my dad's truck okay okay I don't know so listen I mean I get no actually not not

Starting point is 00:14:53 you guys have been together so long I actually don't understand the dramatic fear of him leaving. What is this? What is this? Watching the cameras and all this freaky bullshit. It's so weird. Where is this fear coming from? Where is this severe anxiety coming from? I don't know. I don't know where the fear is coming from. Why do you think he's going to leave? I don't think that he's going to leave. Well, you wouldn't have anxiety about him leaving if you don't think he would leave. There's a part of you that clearly does enough to boil up to extreme anxiety I'm being told. So where does that come from? What? What is it? What have you seen? What have you thought? Yeah.

Starting point is 00:15:27 Yeah, what do you think? Well, he flirts with all his coworkers. Okay, I worked in a shop with a bunch of guys. Now? Yeah. Now. I flirt with guys now? That's so awesome.

Starting point is 00:15:39 Endering. There was a girl. Again, homophobic. I don't understand why. There was a girl that he worked with that wanted to marry him so she could get her green card. Okay. That's weird. We're high school friends.

Starting point is 00:15:49 No, that's weird. Is she hot? She's okay. She's a- Show me a picture. Okay. I guess. Yeah, call her mid in front of the one that's terrified about you leaving.

Starting point is 00:16:02 She's okay. Tell me, how long are you f*** him while you're with that other guy? Be real. Probably like three weeks, a month. That's crazy. That, just because you're a bad person doesn't mean he's going to be a bad person and leave you for someone else. You got to stop with this. No, brother.

Starting point is 00:16:24 No, she's actually kind of... See, that picture's even weird. I've been to. She's, yeah. That's a old picture. Probably seven. Seven is crazy. Mid.

Starting point is 00:16:33 Yeah, maybe. Well, she was enough for me to freak out about. Yeah, which is fair. Because you're probably like a seven as well. So, yeah. You know, it makes sense. Right? Yeah, so, fair enough.

Starting point is 00:16:47 Now when you guys immediately got together, though, all of your finances were immediately spit 50-50, which is crazy because you were 17. Like, what the fuck we're doing with that? And you were, what, 20? 19, whatever, it doesn't really matter. That's a crazy time to be combined. What are you guys trying to speed run?

Starting point is 00:17:05 Because it's the 1920s or something. I think we are rushing through life. We're not taking everything slowly. But the thing is, like, we have goals. And we want things to happen. No, how long is she going to stick around? I know she's afraid of it now, but how long is she going to stick around

Starting point is 00:17:25 if you don't actually put some work in? I said four years. She said four years. Four years from. No, no, no. Like, like, if it doesn't happen... When? No, no.

Starting point is 00:17:36 If that doesn't happen in a year or so, we're done. Four years of, like, yeah. And what's your hesitation? It's... You said finances. Because she doesn't talk about them at all. Like, she's not. She blocks it out.

Starting point is 00:17:49 You don't like to. You want to be a wife, but you're not willing to talk about the household? What the fuck is wrong with you? Because it's not my finances that are like bad. It... No, but. But talking about the finances are still important because they're going to be united essentially. Well, I don't understand when he talks about them.

Starting point is 00:18:02 Okay. It gives her a headache. You might have to down. It gives me anxiety. You might have to dumb them down. I know. I know. Yes.

Starting point is 00:18:08 A little SSRI girl. Yep. She has a weird relationship with money. I feel like she doesn't understand when I talk about like my credit cards or anything or my bills coming up. Maybe not. You might have to down the town. That's okay. But why aren't you willing to talk about it?

Starting point is 00:18:22 Like, you get anxious from that. You get anxious about him leaving. You don't have money. You've been spoiled like crazy. Why aren't you at least willing to talk? Even if you don't fully understand, just talk. I do try to talk. No, you don't.

Starting point is 00:18:35 Yes, I do. She says her stomach hurts. She can't talk. You're giving me a headache if you're talking about finances. Like any conversation that I bring up to her... I don't understand what he talks about. I don't understand it. Also, when you get anxious, yes, your tummy hurts.

Starting point is 00:18:46 Go shit. Come back. It's fine. That's what happens when I get anxious. No, I like to lay down on my stomach hurts. Good. Lay down and talk. Mm-mm.

Starting point is 00:18:55 You don't get to just. walk away from everything when you feel just slightly uncomfortable though. Because the hardest things in life, the things that you'll want to get to together, especially as a couple, will require some uncomfortable moments, some anxious moments. But I don't

Starting point is 00:19:10 understand the problem. What is the state of this relationship right now? Okay, we've been arguing lately because I've been working a lot. Like, I work 14-hour days every week. Isn't that a good thing, though, so he can pay off his debt? No, it's because you don't know how bad debt is because you're a spoiled bitch.

Starting point is 00:19:29 I don't know what his debt looks like. I don't know. Because you won't let him tell you. He won't tell me the truth. I would want to tell you, but the thing is, you don't want to hear it. Like, I do want to tell you what I have, but the thing is, I don't tell her what I purchase. Why? Because if I'm doing something and I want to get something, I just get it.

Starting point is 00:19:50 I'm talking about reflection afterwards. Like at the end of the month, we sit down and we talk about our money went. I want to. We don't know. I want to do that, but the thing is with you, you just, you spend your money like it's no care in the world. You spend it like, oh, I'll get it back. Do you're not? So you have a problem with him working a lot?

Starting point is 00:20:10 Yes. Why? Because then he doesn't help me at home at all. Help you at home? Like clean. He could do the dishes. He don't do the dishes. Or clean the toilet.

Starting point is 00:20:18 He's not going to be arguing right now. And how's the sex life? Anyway, how is your sex life? So I have my wisdom teeth taking out, so it's been a couple weeks. Three? What? What is it? Because is that a thing?

Starting point is 00:20:35 Okay, no, I'm being told no. No, it's like weird to kiss somebody with open hair. He had a fucker still. But he had holes in his mouth. I wanted to, but she's like, icky about it. Sex? No, the hole's in his mouth. Don't kiss him.

Starting point is 00:20:49 Just have sex, no kiss. For a second. That's weird. That's weird. Before that, with all the craziness going on. Not good It's not good It's winding down

Starting point is 00:20:59 Why do we think it's not good? Yeah, why? Because you're the person Probably because we argue all the time So he's arguing all the time No, I don't argue She argues He doesn't listen

Starting point is 00:21:08 We're arguing all the time Our sex life has gotten bad All while we want to get married Is he a lot of watch point? No Do you not have sex? No That's a hard rule

Starting point is 00:21:20 Yeah It's cheating It's cheating That's cheating Really? Yeah Okay. Or looking at anything.

Starting point is 00:21:27 So what was it before? Our sex life? Yeah. It was good. First three months. No, no, no, no. I'm saying, you said it was bad before the wisdom teeth. Yeah.

Starting point is 00:21:36 How bad? Once a week. But she's been a whole like... Not once a week. Once a month. Yeah. Okay. So once a month.

Starting point is 00:21:46 So it's deteriorating because of the fighting. And he can't watch porn. No. He needs to fuck you instead of watching porn, right? Yeah. Okay. Well, that's interesting. In his checking account, he's actually purchasing only f-ins.

Starting point is 00:21:59 I didn't even... Are you for real? Okay, I think that's a recurring payment, and I cancel it that month. I swear. I swear. That's so gross. That's so gross. Gross.

Starting point is 00:22:11 You said that's cheating. He actually won't have sex with you, even. I won't have sex with? You're at once a month. No, I'm the one that instigates sex. She doesn't want to have sex with me. Is that true? Most of the time, yeah.

Starting point is 00:22:27 Why? I'm tired. No, you're not. Okay. Even still, you're tired. That's fine. Got it. But no point with the rule.

Starting point is 00:22:35 Not only is he watching, which is free, he's paying. Okay, okay. He's pain. Like right now? I noticed that during that month because I have money. Yeah, it was the most recent month. Oh, my. It is?

Starting point is 00:22:48 What do you think? That's so bad. That is bad. Really? This seems like an underreaction, I'll be honest. That is really bad. Like, I should have canceled a long time ago. I don't know what to think about it.

Starting point is 00:22:59 What's actually happening in your brain? No, you got to, you got to. I'm in shock. Like, I'm actually in shock. In shock? Are you angry? Are you? I am a little angry.

Starting point is 00:23:09 I mean, maybe that's why he doesn't let me go through his finances. Is that why? I don't know what he spends his money on. Come to your phone. Here you go, bud. And I don't go through his phone. so I wouldn't even know Uh-huh

Starting point is 00:23:28 Well, you shouldn't I feel like if I go through his phone I'll find something It was a hard rule to say no When did we agree on that? When I first start dating Because he used to be addicted to it No, I said

Starting point is 00:23:43 Really? He started watching 7 He was addicted to it And yeah he was paying for only Frizz last month There you go bud He was subscribed to two Individual ones

Starting point is 00:23:54 I'm gonna be real with you. Your debt is not the same as everyone else's. You've got your own unique mix of credit cards, maybe some medical bills, personal loans, and collections. Whatever. Your interest rates are different. Your payments are different. Your life is different.

Starting point is 00:24:07 So why do you need some one-size-fits-all solution that treats you like a number? Some generic calculator that spits out. Just pay more. As if you hadn't thought of that already. That's what sets PDS apart. They don't just look at your balance and say, good luck.

Starting point is 00:24:19 They work to understand your specific scenario and help provide alternative solutions to becoming debt-free. Whether you're struggling with credit cards, personal loans, collections, or medical bills, PDS debt has customized options designed specifically for you. Not your neighbor, not some average case study. You. They've helped hundreds of thousands of people get out of debt.

Starting point is 00:24:37 And here's the thing. There's no minimum credit score required. They're not here to judge you. They're not here to shame you. They're here to help you get out and help you save more. Pay off your debt faster and start putting money back in your pocket. This is a company that is A-plus rated by the Better Business Bureau, both thousands of five-star reviews on Google,

Starting point is 00:24:52 and holds a five-star rating on Trust Pilot. That legitimately matters. Here's the thing, if I needed help paying off debt, this is exactly where I'd go for help. You're just 30 seconds away from being debt-free with PDS debt. Get your free assessment and find the best option for you right now at pDSdebt.com slash hammer. That is pDSdead.com slash hammer. If you or your child spent years growing up on social media

Starting point is 00:25:15 and experienced serious mental health struggles, you should hear this. Recently, a jury ordered meta and YouTube to pay millions for their role in designing and promoting addictive platforms. They knew their apps could contribute to anxiety, depression, and body image issues, but did not share those risks while prioritizing profits. The recent historic verdict underscores the consequences of those decisions. Now Morgan and Morgan is stepping up to hold these platforms accountable for the harm they caused. Click the link in my bio to take a short quiz.

Starting point is 00:25:46 You may be entitled to a potential recovery of over $1,000. No, they were a day apart. I'm not 100% sure, but no. multiple ones. How long ago? Yeah, the most recent month. This year? Yes, multiple months into this year.

Starting point is 00:26:04 Absolutely. He's been paying for a lot. In fact, he tried one in February. He tried one in March. Then another one, end of March. He's actually subscribing to a lot of only friends people. Why? No, no, no, no, no, no, no, no, no, no, no, no, no, no, no.

Starting point is 00:26:18 No, you objectively are. They're right here. You can see them. Why? Yeah, but like, the thing is, I didn't... Like, you can't just say no. Like, they are. They're right there.

Starting point is 00:26:27 Why? I, okay, so. I'm sorry. Listen, here's the reality. The reason I'm bringing this up,

Starting point is 00:26:36 you want him to propose to you. He's not proposing to you. You guys is a sex life or a disaster. You won't talk. You won't communicate. He won't propose, but he'll actually go and subscribe to only people even though you've had a hard rule not to

Starting point is 00:26:48 because he had a poor addiction in the past. Yes. And now he's literally paying for multiple OFers a month. Well, I feel like you... Multiple OEFers a month, dude. This is a... Cope, any kind of rebuttal does that is insane. But I feel like our sex life has been going down since our first two years.

Starting point is 00:27:06 And I feel like... But that's cheating. It is cheating. That's cheating. Oh, Jesus. You're so... That's so bad. Yeah, that is pretty bad.

Starting point is 00:27:18 But in a way... And my dad's going to see this. Good luck. Yeah, that would be a conversation. But your dad watches... No, he doesn't. I know this. Why would I...

Starting point is 00:27:28 How you know this one, Caleb? I've never paid for it, but she's everywhere on social media. She's the one that goes on to Lamborghinis and, like, smashed the video. Honestly, that's why I purchased that one because I was curious. A month ago, but by the way... They're fake, and they're not very good. Because you can see the purchasing price. It was like $5.99.

Starting point is 00:27:46 Why do you even have it? You hear this? It was a deal! Why do you even look? He thinks this is a joke. Is this a joke to you? No. Because he's actually treating it as one.

Starting point is 00:27:55 It's not a joke. I was fine. He's legitimately treating it like one. It's not a... You said you got it because it was on sale? It was risky pictures you could post on Instagram. It was bikinis. No.

Starting point is 00:28:11 Dead ass, dead ass. I know her. No, dead ass. That whole month, it was just lingerie. Purchase it. It was not. Yes, swear. Bro, it's gonna try with...

Starting point is 00:28:26 Hopefully not. And here's the other one. Those are his most... Oh, okay. I know why I got that one. Because she like... That's his most recent. This year.

Starting point is 00:28:40 The most recent, yes, from here. And this one's the one he's currently following. I currently follow somebody? Yes. Asshole? Yes. You're such a prick, dude. You're such a f*** liar.

Starting point is 00:28:56 Her. That's who he's currently on. And you say you're watching. But that's free. It's only if it's an app or you have to search it. It's a website. So you searched it. No.

Starting point is 00:29:08 Yes, you did. You probably have an account. I do have an account. But I got it before you. And, uh, yeah, I was just doing it because there was deals and they're kind of promoting it. That's so weird. And, uh... That's so weird. But the thing is, I stopped. I did cancel them. Obviously not.

Starting point is 00:29:27 came on the show, which is what everyone does. Dude, you got... You got... You got... Caught. Yeah, I did. 4K. And that's it.

Starting point is 00:29:38 Yeah. What do you think? What are your actual real thoughts? I know you're playing like... You're playing chill. Maybe your mom has an extra room for you. Are you actually thinking that? Well, probably.

Starting point is 00:29:48 Or are you just joking? Because all her sons moved back in. No. So just family reunion. Oh. Okay. Thank you, big guy. Oh, for real?

Starting point is 00:30:06 Yeah. Here you go. So, you've been afraid and anxious, anxious, of him leaving. Mm-hmm. And of him looking at other girls and all that stuff. And then you caught that. Yeah.

Starting point is 00:30:25 Did he cheat? That's cheating. That is cheating. You're paying for it. What do you think about it? Yeah, how is he going to pay for it? Actually, come on. I don't know if you're just not able to stand up for yourself

Starting point is 00:30:35 for what? I think that I'm really shocked. I have no idea what to say. I did not know that he was doing that at all. The thing is with that, I feel like in a way, I'll pack his back. See, you laugh. Is that a joke? No, I feel real will. I have locked him out before. She has. Why? So I was getting this tattoo right here and he was taking too long. That was a different time, like the most recent one. What was the most recent one? He went out with some friends, like in Denton. Oh, I was playing basketball with my friends.

Starting point is 00:31:14 For like eight hours. Because we were talking about catching up on life. He was supposed to be doing Spark. Okay, well, tell him on his side for a second. Let the dude flip. Like, why do you have to be like that over the throat? I haven't hung out with my friends. Every year we, I talked to them one time.

Starting point is 00:31:28 Like, you're okay. No, he didn't tell me. He said I'm going to go to Spark. She always says no, Caleb. Okay, yeah, but if you. She always says no for me to hang out with my. my friends. That's weird. He's a grown adult. He can go do it. He just don't do it. But then you lock him out. No, she, he knows the consequences for what happens when he's

Starting point is 00:31:44 because he's kind of with a crazy bed. He watches him on cameras at work. I watched, they were streaming too and he was declining me. Because I was playing basketball. Yes. I was playing basketball. And that's okay. He doesn't have, you guys don't have to be together 24 hours a day. That's not healthy. No, but he was supposed to be working and then he just went. He could have been like, hey, I'm going to go basketball. If I can't work and then have a like at least a life In my perspective? Yes, absolutely. You should be able to have friends.

Starting point is 00:32:09 But you should communicate. But for what's worth, if you don't hear back from him, that doesn't mean he's like literally murdering someone or cheating. Well, what if he like gone to a wreck or something? How am I supposed to know? You have my life 360. He may have gone to a wreck so let me lock him out. He knew he messed up.

Starting point is 00:32:25 He didn't answer all day. Every time I say. No, he knew he pissed you off and he wanted to quell that. Yeah, I gave him a blanket and locked the door. I slept on the couch that night. I ended up letting him in a little bit later. You're kind of crazy. Now, I mean, which may have pushed him to do this extracurricular activity.

Starting point is 00:32:42 I feel like she wants me to focus on her and that's it. Who else would you focus on? Well, the thing is... He's allowed to be his own person, too. Well, the thing is, I give you all my energy and it's still not enough in a way. Like, I give you all my heart and everything and you make it seem like it's not enough. Hmm. Well, you're watching only... That's weird.

Starting point is 00:33:09 That is weird. It's not necessarily weird. It might not be the most healthy, especially for someone with a porn addiction in the past, which means he's definitely still watching porn addiction, by the way. Are you? Yes. Okay. I'm into it.

Starting point is 00:33:26 How frequently? I would say if I'm alone and she's not home and she's doing other things and I just, the day off or whatever, at least three times. A day? A day. Before she comes. A day? A day?

Starting point is 00:33:45 What? A day. Not a day? Not a day when I have nothing to do. Three times in a day? That's... It's not always... Okay.

Starting point is 00:34:00 It's not always... What does that mean? We have our own... Okay. We have our own. I got that. But it is sometimes. Many times.

Starting point is 00:34:11 Spice it up. You know, you gotta get the hot Cheetos and the crunchy chips. I don't have too much. I don't really have an issue. Okay. Unless someone has an addiction. But she specifically made it the rule to not. Yes.

Starting point is 00:34:25 Okay. You're flat-faced. I don't know what to say. That's shocking. But what's going through your head? It hurts my feelings. It hurts her feelings. But you're never going to leave, are you?

Starting point is 00:34:34 I think you're like. no, you're like obsessive or something. Like this doesn't matter to you. No, it does matter. It does, but you're never going to do anything. You, like, you don't care. I'll let him, I'll make him go stay with his mom. I will.

Starting point is 00:34:47 It's like a time out? Because he hates, you don't like being over there. Well, the thing is, if I'm living, I'm not going to live with my parents. I'd rather live in a motel than love with my parents because I feel like, if I go back, I like to be in any visual. Give me your phone again.

Starting point is 00:35:00 Yes, sir. So I'll call your mom and say your son's watching only 50. Let's come live with you. Anything I want? That's, okay. My show, bitch. His most recent search results are like Riley Reed three-sum on Reddit. So this is where he watches.

Starting point is 00:35:15 It's on Reddit. So Riley Reid. You said you didn't have Reddit. And Kimmy Granger. No, he has read it. You said you deleted it. Kilp's a smart guy. Okay, he's...

Starting point is 00:35:26 Why would you not at least delete it before we... Jesus Christ! You watch that. You like that. No, I don't. Yes, obviously. No, I don't. It was there.

Starting point is 00:35:35 I like threesomes. Yeah, he does. With, uh, what, two guys tagging a chick? No, no, no, no, no, no, please. Okay, homophobe again, geez. Kind of crazy. Oh, I see the ones he's watched. Oh, watched, watched, watched, watched, watched, watched, watched, watched, watched, watched.

Starting point is 00:35:53 I was picking the right one, Caleb. I was picking the right one. Watch, watched, watched, watched, watched, wash, watched. Oh my goodness, watch, watch, watch, watch, watch. If you scroll, watch, watch, watch. Okay, finally. Keep going. Get going.

Starting point is 00:36:06 Watched. That's gross. That's gross. Okay. Oh, my gosh. Yeah. No, dude's watching a lot of Riley Reed threesome. Who is Riley?

Starting point is 00:36:19 She's a pussler. Old school. I would have, that's so gross. I don't know what to say. I have no idea what to say. You hurt my feelings. I know, yeah. Like it makes me look at him gross.

Starting point is 00:36:33 I get that. But the thing is, that's gross. This is Riley Reed. Okay. Okay. I don't watch that. Okay, okay. She kinda with her.

Starting point is 00:36:43 Okay, so why are you watching her? Because I can't watch you because you don't have sex with me. Boom, roasted. Which I think relatively it's a fair compromise if you're not having sex that he should be able to make me a word for him. No, that's not. No, it's not. Okay, what is he supposed to do? I have needs.

Starting point is 00:37:05 He does have needs. And he has a right. hand. He can use that. Yeah, but you want to do something. She makes it weird. She's like because I'll be sleeping. That's weird to do it right next to me. Okay. Yeah, why can't you go somewhere? Because I can't imagine things.

Starting point is 00:37:20 That's the thing. If I do Favb, I have to watch something. I have to look at her sleep. No, no. She usually does something and she makes it weird. She makes it weird. She makes it weird. And she doesn't like that. She makes faces. Like, oh, disgusting faces. Like

Starting point is 00:37:35 that. She's like, what are you doing? Because he makes weird faces. So what am I supposed to do? Well, yeah, he's nothing. Like, what can I do? Okay, so what do you expect of him then? If he can't, like... Well, we can talk about it.

Starting point is 00:37:51 We don't talk about it. What do you mean? Like, we're about sex? No, we can't talk about it. We can't talk about it because every time I bring it up, it seems like it's a need. Like, she thinks that's all I want in this relationship is sex. She makes it... Sex is like the biggest thing I feel like in our relationship.

Starting point is 00:38:10 That's what she thinks. Like, that's all I want. Because that's all it was in the beginning. All it was. I don't like to have sex all the time. But the thing is, I have a high sex drive, and that's why I'm... And that's... True. Is he a lot?

Starting point is 00:38:24 Yeah, that's fine. But why not the... Because that's other women. Yeah, but if you're not giving him, you... Well, he doesn't tell me. That it affects you? No, no, no. It does affect me because...

Starting point is 00:38:36 you don't, you don't, like, do anything sexual. Like, I'm just not a sexual person. Which is okay. But, like, he needs to, like, he needs to come. She doesn't have any power in a way. The 2006 Chevrolet Equinox awarded the most dependable compact SUV in the U.S. by J.D. Power. It's designed for your everyday. And with available all-wheel drive, you can handle your to-do list with total confidence.

Starting point is 00:39:04 Start your build at Chevrolet.ca. Jdpower.com. She can kick me out. Yeah. Oh, yeah. She can't leave you. She's obsessed with you. She has a weird obsession.

Starting point is 00:39:13 And I think she's like 20. She's like, hormones are going crazy. Yeah. Like, she's on baby mode 24 hours a day. She just wants you to unload and get her pregnant. That's really all she wants. And then she'll regret it when she's 35. Because it's with someone who maybe she doesn't even want to be with.

Starting point is 00:39:34 No, I do want to be with. No, no, I'm scared. but not him, him. Him, the one that wants that shit, the life you don't want. No, I don't want that. But I think we could work through it. Supposed to in three ways. Would you bring in another woman that seems to be his thing?

Starting point is 00:39:48 No, no, no. I wouldn't want that. I wouldn't want that. You wouldn't? No, no. That's a fantasy, not something. Well, usually fantasies are, they like it, they want it to be a reality. But okay, yeah, sure.

Starting point is 00:39:58 Well, I feel like she's, she's always been trying to craft me to be her father in a way. like actually huh like that's what she's been wanting is her somebody her dad can like accept in a way my dad has high standards

Starting point is 00:40:18 exactly that's not unfair I mean he wants the best for his daughter that's okay why I'm the best for your kids a good thing and it's also a reason why I haven't proposed yet either

Starting point is 00:40:28 is because I don't feel like he would say yes oh shut the fuck up no I'm being my dad yes your dad has said that he would have to like think really hard if he would let me have your hand in marriage. And you told me that. Plus,

Starting point is 00:40:40 our cultures are way too different. What? I'm Cuban and she's why. Oh, well, come on. That's what I said. How Cuban are you? A hundred percent. No, but like you're raised. You're from suburban Dallas. Nah, I'm from Buffalo, New York. Oh, Buffalo, New York, the most tropical. Well, well, my parents are from the boat. Yeah, your parents, not you. That's what she explains. her father, but he thinks otherwise. What? Her father thinks our cultures are too different.

Starting point is 00:41:13 What is that? Usually, like, hyper-conservative people like him, like Cubans. Because the Cubans hate socialism and stuff. He thinks our... He thinks our wedding will be different. He doesn't want our kid to be named Jose. He doesn't want... Well, no one wants that.

Starting point is 00:41:27 Well, my dad thinks that he's Mexican. He's not Mexican. He does. I thought you were white, so I don't really know. Exactly. You're white, she's pink. Oh, yeah. She's a little embarrassed.

Starting point is 00:41:43 Well, yeah, because you just got exposed for essentially doing what she considers cheating for the last... All your relationship. That's not fair to her, and that's also been weighing on my conscience. Yeah, what's her dad going to think when he sees this? Same thing he's been thinking. I think a little worse now, right? I think so. He'll probably never...

Starting point is 00:42:05 He probably won't want us to get married. at all. Yeah. What about... Sorry, I know this has been a very sexual episode so far, but it is actually apparently their whole thing. What about a little... No.

Starting point is 00:42:16 She doesn't do mouthlings or hand things. She hates blow jobs, hand jobs. It's uncomfortable. Do you do oral and her? Sorry. Yes, yes. Oh, come on. That's only fair to go back.

Starting point is 00:42:28 Like, literally, that's all she wants for me. That's why she hasn't let me... Oh, shit. You don't want... In any... No, she does. No, she does. Actually,

Starting point is 00:42:37 once a month. Oh, she has a UTI every other day for some reason. Are you kidding? It happens. It happens to women sometimes. Yeah. It happens.

Starting point is 00:42:49 Yeah, yeah, yeah. No, that's normal. Now I'm embarrassed. You didn't have to say that. I'm embarrassed. I think everyone that's been with women knows that that is more common than you'd probably think.

Starting point is 00:42:59 It's not talked about very much, is it? But no, no, no. We'll call the dad in the post show. What do you guys think your hammer financial score 0 to 10, 0 being the absolute worst, 10 being the best. If we're combined, if we're looking towards marriage.

Starting point is 00:43:10 Zero. 3. What about cheating score? 10 being the most cheaters in the world, 0 being nothing. 10? I guess because you think cheating, so it's... I went to Snapchat. I was expecting to maybe see a woman. I didn't see anything.

Starting point is 00:43:27 Yeah, I don't know. So he's at least not talking to someone else as far as they know. Mm-hmm. I don't trust that face. I didn't trust either. I don't know why. What? No, no, no, no.

Starting point is 00:43:39 I am not talking to anybody. I feel like he's submitted to talk to somebody. No, I'm not. Okay, that sounds uneximiting. I'm just really nervous because the whole, like, thing has been brought to light. Well, you knew it was on there. It was on your statement.

Starting point is 00:43:58 And you get to choose what's not talked about on the show, and you didn't say it. Okay, well, the thing is, it has to be brought to light. I think that's a good thing. You didn't have to wait to go on the show to tell me. Well, if I told you earlier,

Starting point is 00:44:14 because he wasn't going to tell you on the show. I did. Yeah, you did. He wasn't going to bring up shit, to be clear. Not a chance. That was me who exposed it. Well, I'm glad.

Starting point is 00:44:26 Yeah. It's just unfortunate you're not going to do anything about it except for a little time out. And unfortunately, you're just going to be stuck with that your entire life. Someone who's, to be very clear, this is an example. And yes, even if it is something more addictive, which is true, there are many addictive things in this world.

Starting point is 00:44:41 He is someone where you guys made a clear boundary on something and he's been doing it like every day behind your back for years. What does that suggest for anything else for the rest of your life? He's going to keep doing that. Just saying. That plus who knows what else. If he's willing to lie about that constantly, what else will he be willing to lie about at 50? June 1st, I'm launching the Hammer Relief app, available on every major platform. Exclusive dedicated shows every single day, Monday through Saturday.

Starting point is 00:45:11 And to celebrate the app launch, I'm offering 30% off the annual plan in the month of June only. Plus, I have an exclusive offer just for you, but limited to the first 1,000 people to purchase. For a one-time payment of $500, you'll get our entire Hammer Elite catalog for life. And a limited edition, Hammer for Life box packed with March you can't get anywhere else. you'll get a limited edition Caleb Hammer commemorative coin, a budget planner notebook, a Caleb Hammer credit card skin, Caleb Hammer emoji stickers, a limited edition Caleb Hammer Plusy,

Starting point is 00:45:40 a limited edition Hammer Elite Mug, a limited edition Hammer Elite Hat, all packed inside a custom merch box. Once all 1,000 boxes are gone, this offer is gone forever. Join the wait list by using the link in the description or pin comment down below. So mark your calendar, June 1st. This is the best membership you'll ever join,

Starting point is 00:45:56 and that is a promise. That's kind of fucking stupid, I'll be honest. But what's not is actually getting a checking account that gives you free money. Free money, we like free money. You can get up to $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.

Starting point is 00:46:22 Who would have thought? That's incredible. Check it out. Link in the description below. I feel like I needed to tell her with somebody instead of me just coming out with this poor exchange again because she would

Starting point is 00:46:31 instantly just not want to talk about it and just tell me to kick out. Did she straight up say no to go into couple's therapy? Yes. Bro. Why the no?

Starting point is 00:46:42 I said I just don't want to talk about let's not bring it up again. Because I told her how... What? I don't want to go to therapy. Why? He does for you two. It's not necessarily for you.

Starting point is 00:46:55 It's for your relationship and him. Like, I gave her an ultimatum. I was like, our relationship won't work if we don't go to therapy. And I didn't tell her... You're selfish. Everything's about you. And it's because of how you grew up.

Starting point is 00:47:07 Well, we can go to therapy now. Oh, now that you got called out, now that I'm calling you, wow, and now that you're being exposed to selfish bitch on camera. Because I did want to talk to her about the point. Because if I did do it separately, she would just tell me, get out my house. But you were going to. I brought it up. No, no.

Starting point is 00:47:22 I was in therapy. Like, actually. Because I was going to tell her more... And she said no to therapy. So when would it have ever come up? When we came to the show, that's why I applied to. No, it wouldn't. It would not have come up in the show if I didn't bring it up, correct?

Starting point is 00:47:35 Not from my notes. Yeah, not from, not from any of the interview. You like to search. Huh? You like to look through people's phones. You were, no. I would, I never go through people's Reddit or people's only f***c.com. Never.

Starting point is 00:47:49 Never, unless there's a reason. This would not have come up. That is a culpe. What would you have actually done? Kept it a secret for the rest of our lives. There you go. That's the reality. If you want your hammer financial score, get it for free at Calebhammer.com.

Starting point is 00:48:01 See where you stand in the world of money, where you're doing poorly, where you're doing great. It'll tell you it for free in just a few minutes. And if you don't want to be like a guest who ends up on the show, couple seraping. And download the dollar-wise budgeting app. Take the free trial. See if it works for you. And sign up for the annual version if you like it because that's what most people do is to save a lot of money. And you get my personalized 30-day meal plan signed by me, mail directly to you.

Starting point is 00:48:22 And the digital version of our cookbook that goes over every recipe. It's every single day of a month. All drinks, all snacks, all meals. Meals, no more excuses to not budget your food. I've been waiting for this a long time. Dollar-wise, the ad-app link in the description below. Okay, well, let's go to this. I mean, I think this is, this is financial audit,

Starting point is 00:48:39 and this is a finance show, 53 minutes in. But this is a very important part, and this is going to be probably one of the more important parts going forward, heading into marriage and all this shit. And you haven't had that. Why do you look at like three different directions at once sometimes? Where? That's what I'm asking.

Starting point is 00:48:58 I don't know. She goes cross-eyed, doesn't she? No, I do not. She's telling her not all the way up there in a way. Well, you aren't. I am. I feel like a... There's a reason why I work a lot.

Starting point is 00:49:09 I feel like I look at people's eyebrows. No, you just did it again. Because I looked up and then down. No, no, no. Yeah, but one of your eyes. Oh. You're a freak. So this is an important thing.

Starting point is 00:49:20 Yeah. And you haven't gone over it. But all that shit we talked about at first. Could have been gone over. That is going to be borderline. even more important, at least for now, maybe into the future is one. You guys need to go to couples therapy probably immediately. Again, not one of the bullshit enablement therapists,

Starting point is 00:49:36 which there are many of and that cater to young pussies. But you need a good one. And I'll actually shit down your throat. I told you we needed a couple's therapy. Is she actually going to her? She's just saying yes for the camera. You know her. Only for the camera because she hates therapist.

Starting point is 00:49:54 No, I'll try. You just go. What do you mean try? Well, if I don't like it. No, is that? Nobody likes therapy. The thing is, there's multiple people that we could go to and then find the one that you like. Because I don't care.

Starting point is 00:50:07 I don't give a shit. No, the person she likes might be one like her daddy that just makes her think she's great and shits on you. That's not necessarily the most healthy. Like, I don't want to be shit on all the time. And sometimes I do deserve it. Like right now, like Caleb's shit on me for the only fans, which is right. And I feel like... And I'll shit on her in the video her and I make after this.

Starting point is 00:50:30 Oh, my. spicy. We'll give it to you so you can play with yourself later though. So the preferred card, who's this? The what? Sephard preferred mine. That's right. They're pretty much all of you, right?

Starting point is 00:50:41 Except for student loans you said you have. Mm-hmm. Yeah. No, he's right, though. He is right, though, for it's worth. Therapy? Stop being a spoiled bitch. I'll try.

Starting point is 00:50:52 I try. Try, try something. Huh? Her dad's always going to be there. So? And also, that's not true, but so? I'm only 20. So?

Starting point is 00:51:02 I'll work on it. What? I'll attend to what. Work on what? What does your dad being there have to do with anything? Well, how's it my fault that I'm spoiled? Oh, I thought you meant going to therapy. Oh, I didn't know what you were talking about therapy or, my dad?

Starting point is 00:51:16 I thought you were talking about therapy. Oh, I'll try to go. We were. $120 minimum. Whoa, guys, I just realized. What do you do for work? I'm a lab tech. What do you make?

Starting point is 00:51:26 How many hours a week? Uh, like $32, 17. an hour? No, 17 an hour. What's your paycheck? Usually average. $1,200? Every two weeks?

Starting point is 00:51:37 Nope. Yeah. Yeah. Is that net or gross? Is that it or gross? She doesn't really know. It's like $1,200 that goes into my bank count. But you haven't worked a full week of work at all because I've been taking care of everything.

Starting point is 00:51:49 That's why I said 32. Nah, bro. Nah. 17 times, 17 times 32 isn't $1,100. $1,100? It's less than that. What is it? I don't know. I have your, unfortunately, payrolls combined.

Starting point is 00:52:04 The thing is, she last... What do you make? I make... What do you do? I am a welder helper and I also do Spark. So combined, I make $4,500 a month. Gross. That's good. Look at you. Wow. 23 in the trades.

Starting point is 00:52:25 Get you a course career certification, doubling up those trades, maybe like construction, project management, that kind of thing, convert that into a six-figure jobs like many people out there have. And unfortunately, if that is his paycheck, that means the only other thing that came in was about $72. $72. So unless he made less and you made a little more... Pay active? What's that?

Starting point is 00:52:47 Pay active? Pay active. I'm going to say to make $2,000 a month. I don't know. She honestly makes close to $1,600. A month? A full month? Yes.

Starting point is 00:53:01 Because you're in school, right? Yeah. What are you studying? Teaching to be a teacher. What teaching? Like a teacher degree. What kind? Yeah.

Starting point is 00:53:11 Okay. Well, in the major cities in Texas, they make okay money, but... I'm not worried about the money, really. It's just... Well, you've never known. Well, I rather just like my dog. He was actually correct in the beginning. I thought he was bullshit when he was like, she doesn't know the value of not.

Starting point is 00:53:24 He's 100% correct. Your debt doesn't scare you because you've never had to see what the consequences are. Having a lower paycheck doesn't scare you because you've never seen what the consequences are. Maybe you have a big inheritance company. What are your parents do? My dad owns an AC business and my mom's a nurse. AC business in Texas. And then nursing makes pretty good money too.

Starting point is 00:53:43 Yeah, they do well. Yeah. They're rich? Yes. They got a nice house? Yes. Yeah, you're not afraid of shit, spoiled, bitch. Like I said, her dad would pay for the rent if I'm not there.

Starting point is 00:53:54 Growing up from poor to lower middle class to eventually middle class by the time I graduated high school, I still hate people like you. You just did it again. You cross-eyed weird. I didn't mean to. I'm not meaning to. This takes 14 years to pay off. Your kid will still be zero.

Starting point is 00:54:11 Wait, wait, wait. Tell you something. It's more expensive because we went to Austin last month. And why? We spent $2,000. So it's close. Here's why you came to Austin today and we're paying for it. Why did you go last month? Last month, four days because I thought I was going to be here.

Starting point is 00:54:27 It was good Friday. Yeah, it was good Friday. So? So we came. We were all. What does that have to do with Austin? Because honestly, I honestly thought I was going to be on the show a lot sooner than what. Did we give you a date? No.

Starting point is 00:54:40 Then why the fuck would you come here if we didn't say to come here? Because I was kind of planning to. I wanted a trip to Austin. I wanted a trip with Austin. What you have now. Paid for. Yeah. Yeah, but the thing is.

Starting point is 00:54:51 And how'd you spend $2,000? By the way, that's a road trip of like four hours. How did you spend $2,000? Airbnb was like eight and four days. three nights. That's a lot of money, is it? It was like, honestly, the Airbnb we got last month is like right around the block from here. Okay, don't docks us, weirdo.

Starting point is 00:55:09 My bad. But yeah. And then we went shopping every day. There it is. And you got your ass spoils. I didn't spend money, though. Not me. You really sleep with him down here?

Starting point is 00:55:22 No, you did. No. No, she didn't. Really? Usually occasions like a good time for, like, sex even in sexist's relationships. Her head hurt. I did have a really bad headache. She had a minor.

Starting point is 00:55:31 For four days? No, one day. The day we got there. And the three days besides that? Well, we shopped all day, so I was tired. Yeah. I don't know. Usually vacation is where people...

Starting point is 00:55:41 Well, the ceiling was also... Here's the thing. Here's the exciting thing. When guys don't want to have sex? I'm just going to let you go on a little sick. Here's something. When guys don't want to have sex? But the woman does?

Starting point is 00:55:53 Think about what the guy has to do. Big old show and dance and performance to get the woman to come. It's a whole medical. operation. And we love it, but it's a thing. When the girl doesn't want to have sex and the guy does, give him 30 seconds and he'll finish on his own. That's all I'm saying. You literally, I mean, ew, not really. I don't know. If she laid there for 30 seconds, you'd be done, right? Hell yeah. Exactly. It's like, you don't even have to do anything. I'm not advocating for that. It's a little, sounds a little bit, but come on. It's not because you'd consent to it.

Starting point is 00:56:30 I would consent to it. Okay, there we go. So, there you go. We'll try. It's like, it's, it's easier. It's just, you know, I get it. I mean, I don't want you to have sex if you don't want to have sex. But also just find your yes.

Starting point is 00:56:40 Maybe you're down for a little makeout session while he jerks off or something. I don't know. Oh, fuck. I guess not. My goodness, she really doesn't want to do anything with you. You're a f***. Well, she loves me and she's obsessed with me, but she doesn't want to give me that satisfaction. Maybe your dick's tiny.

Starting point is 00:56:53 I don't know. So with this, buddy. Okay, so it's like $6,073 now. Like a $2. Whoa, whoa, whoa, whoa. You said you spent two? Four grand, 500. What?

Starting point is 00:57:04 You said it went up by two. Okay. Okay, four thousand and five hundred. Yes. Well, I thought it was at two grand, to be honest with you. Oh, it was at four thousand seventy three. Oh, wait, wait. That's a new statement.

Starting point is 00:57:15 Never mind. Sorry, bud. How many times do I have to cross out, you, DeGener. Jesus. Our word that early is crazy. That early. We're now in two minutes in.

Starting point is 00:57:27 Bro. Time is going by. So fast. You got lucky I didn't call you a 30 seconds in. So you are a little. You kind of got like the... Oh, look at you. Look at the way you're just touching yourself.

Starting point is 00:57:39 I have 80s. And autism. I'm in special. Oh, you're collecting them all. Every Gen Zer. Shut up. Well, I was diagnosed. But they all are.

Starting point is 00:57:47 When I was younger, like, I guess. But no matter. How many times did you transition too? Six times, I guess. Yeah, there and back, there and back. $120 a month. $4,000. It takes 14 years to pay off.

Starting point is 00:58:00 And as I was saying earlier, your kid will still be zero years old because he still wouldn't have put one in you. Your life is... It's okay. No, I would want to give you a baby. It's okay? See, she'll never leave. She'll never leave.

Starting point is 00:58:16 She thinks she cares about that? She'll never... No, I do care. I do care. But I think we could work. I feel like if we just... With no kids, zero kids forever? No, I want a kid.

Starting point is 00:58:27 I want a kid as well, but I don't want it so early. that it affects our financial because I want us to be debt-free. But that's usually why people don't have kids, though. Like, I mean, you don't have to be perfect to have kids, like... But the amount of debt that I have... It is chunky.

Starting point is 00:58:41 It is chunky. It has a young age. It's hard to bring something in... Well, actually, it gives you the best opportunity to have it at a young age, by the way. But... NTTA online. What's that again?

Starting point is 00:58:52 Where do I know that? Is that tolls? NTTA? Yeah. Yeah. Why the $477? It's a tollsy-preacher. By the way, you can draw.

Starting point is 00:58:59 drive without tolls a little longer. Yes, you can. Shut up. It was accumulated for as long as I... No more tolls, asshole. Texas Roadhouse. Retroboats, $180.00. Terry Black's... Am I right? That shit was disgusting $200.

Starting point is 00:59:16 But we didn't know how much it was. Yes. We didn't know. They don't tell you prices when you walk in there. Well, yeah, barbecue's expensive, but you got the worst barbecue for expensive. Lululip. We did a blind taste test the other day. Its brisket was not even close to as good as buttered place his brisket. He lost the brisket test by a lot.

Starting point is 00:59:35 Lulu Lemon. Alan's boots 400. That was these boots that I have on right now. He already has boots and he don't even wear. Boots. Oh. Sorry. He don't even wear boots.

Starting point is 00:59:49 Well, he is right now. The jeans are 80 bucks. Same place. And the shirt. He has. Just these people. So this was your trip to Austin because. Yeah.

Starting point is 00:59:58 That's where Alan's classic store is, right? So there you go. Lulu Lemons here at the domain. Lulu's everywhere, though. Farah's Italian restaurant, get in some bullshit. Fees, you've had a late fee this year. Yeah, he's had a late fee this year. You want to get with a guy that's not painting is?

Starting point is 01:00:16 She doesn't know what that is. Oh, it's late. I think she knows what the word late is. She is the dumbest person I've ever met, but she is, she knows what the word late is. How are you late? I don't have auto pay on that, card and sometimes

Starting point is 01:00:30 I just forget that's who you like she finds that hot actually that's gross me out that was gross me out that was gross but I bet you don't even let him go to a room and play video game

Starting point is 01:00:48 on his own do you? Nope I guess I do oh no no no you're a weird one no she doesn't oh I know you don't because I have a game room and if I'm in there for 30 minutes she wants me to something else. Mm-hmm.

Starting point is 01:01:00 That's why I have... What is wrong with people like you? I'm so glad my girlfriend lets me play video games. Like that? Because you just want me by your side watching the things you want to watch. Oh. And if I'm watching Kato of Hammer, you're like, turn him off. What the fuck, bitch?

Starting point is 01:01:14 He's too loud. Why is he yelling? Why is he so mean? Because he just plays it and walks around the house. Yeah, I'm good background noise. So it's loud. Like, I watch him... You listen to me in the background.

Starting point is 01:01:25 Yeah. That's why he wanted us to do an Eiffel Tower on you. because he's such a big fan. I'm a big fan. It's a sexual thing. Oh, I don't want to know. Or we both stick it in. Yeah, I don't want to know.

Starting point is 01:01:37 I'll actually give you kids. Jeez. And I'm not laid on my credit cards. I didn't say that. Did I say that? You were late on your credit cards, dude. Whoa. Still paid for it.

Starting point is 01:01:53 Interest is accruing late. Oh my gosh. What is this? Clarem. I affirm one of them. the most insane balance I've ever seen on one of those. Uh, so I affirm literally everything. Oh my gosh, dude, do you owe $8,48,071.

Starting point is 01:02:05 Yeah. I've never seen that on my f f f f***. He was supposed to stop. Okay, so I did tell her I was going to stop. Oh, just like your point. Okay, I am addicted to credit lines. Oh, we're finding new addictions. We're just collecting them.

Starting point is 01:02:17 That's like Pokemon cards, dude. But, uh... No, this isn't all Pokemon's. No, no, no, no, no, no, no, no. It's on tools. Tools to work on my... Oh, it's even, like, almost worse. And tools for work?

Starting point is 01:02:27 Like it goes hand in hand Why are you with him? He's a tool collector Not tool collector But like I don't have any base to buy Tools so I use a firm to purchase these tools What's your minimum? I'm gonna guess it's like

Starting point is 01:02:42 $758 How are you okay with that? I didn't know that You don't know anything because you're not willing to talk to him No he said that he paid it off Because I told me stopped He's probably paid off like a purchase here and there And not the whole thing

Starting point is 01:02:57 No I have Caleb I have but you should give him reward blow jobs for making progress. Not this. We're making progress. There's no progress. You're right. Well, the thing is with the home, like, I can show you my firm so you could have a greater understanding.

Starting point is 01:03:16 No, it's okay. You sure? I'm okay. I saw it there, but you're just getting tools and ripping packs and being. The reason I got the tools. Okay, fine, let me let's see it. The reason I, I'm getting tools and everything is because I wanted the truck. truck pulls up and you're like, ooh, can't wait.

Starting point is 01:03:31 No, no, no, no. Right? Isn't that what happens? No, that's what happens to the car mechanics. Yeah, but the thing is, I go to Home Depot and buy these tools. Because, like, Home Depot has deals sometimes on, like, Milwaukee Tools, which is a brand that's really expensive in the tool space. Show me you're a firm. Yes, you're a freak. You're three-way watching freak.

Starting point is 01:03:54 It's just, yeah, it's the same, actually the same balance hasn't made progress once. Go to next month and you'll see... Quiet, boy. Jeez, boy. Minority. Minority. You're a white Cuban. Shut up.

Starting point is 01:04:07 I'm so sick of people like you. There's people that are Middle East. You're white. You get all the privilege of white. I'm actually 12% black, dude. And I'm like 8% okay. So I don't go around and claim it. I don't even claim my native shit.

Starting point is 01:04:19 Listen, the thing is, it doesn't, all that matter. Do you actually face the discrimination or not? Because everyone that's like, oh, I'm all this. Do you have you faced any trouble? No. You've been treated like a white person in your entire right. Because you're white.

Starting point is 01:04:30 I'm privileged in a way. You're 12%? What? You're 12%? Black? Yeah. Say it then. Mm-hmm.

Starting point is 01:04:43 Doesn't sound like he is. 12%? Okay, lots of Home Depot, Amazon Car Parts, America's Best in store. Harbor Freight Home Depot, Airbnb, 9 of 12. He's borrowing these at, you wouldn't even know what a number is if I told you, but 32% of it. sent interest. Yeah, it's crazy. And there's nothing to her. That's bad.

Starting point is 01:05:05 Father, I'm sure you're great and you want her. You want her to be like a princess spoiled by a man. She does need to know a couple things and interest is one of them. You can go ahead and teach her because I'm not, he's watching this? He's watching me talk about doing an rifle tower with your husband and

Starting point is 01:05:20 your husband and. Okay. Well, now I feel awkward about it. Because I'm okay with my parents saying that and my girlfriend saying that by your parents. Sometimes those so Demo, Home Depot prices is because I wanted to do something for her. I built her a bench. I built her paint, stuff like... You built her

Starting point is 01:05:36 paint? Not paint, but I painted a room, like a closet for her, and it was pretty expensive. You're a little Mexican, aren't you? Yeah, yeah, yeah, this is insane. Yeah, and they're all at very high. So he's not affirming them in like an actual interesting arbitrage way where he's like stretching out in four payments at zero percent inch. You don't know what any of this. I didn't know you could go that high. It's even worth. On a firm.

Starting point is 01:06:00 Well, they always... update it because I always make my payments on time and I always purchase things that they like. Yeah, your payments on time of like your 40 payments for one purchase. You're still losing so much in interest. It doesn't matter. Oh, I got it right now. And tools hold their value. Tools do.

Starting point is 01:06:17 Sell them. Well, I won't sell them because I need them. I do need them. Not every single one. I know tool people like you. I've had many tool people like you always get more tools than you need. Well, uh-huh.

Starting point is 01:06:29 $8,000 for tools is not a lot. Plus, Airbnb was on there. Yeah, Airbnb was on there. It was also, it was like a 15-month payment. That was the one for Austin. Yeah, it was like a full year's worth of payments. Yeah. But the thing is, they do hold their value.

Starting point is 01:06:43 You're marrying a poor. Your dad's going to be very disappointed. Yeah. I don't think he cares about the Cuban thing. I think he cares that you're poor. I've been, like... You're affirming 12, like a Fri-B for a year, at 33% inches from. That's weird.

Starting point is 01:06:59 Okay. Okay, Mrs. I buy coffees every day, three times a day. But I pay them off. I paid it off. I bought the coffee. No, you did it. I didn't affirm it. The only reason you can't use your credit card on coffee is because you already have

Starting point is 01:07:12 your maxed out on your credit card. It doesn't bother me. I wonder why it doesn't bother you. Because if you ask your debt for $500, you'd probably give it to you. Am I right? Because who do I have to support me? Not you because I can't ask you for money because you're already broke. I can't ask my parents for money because I am independent from my parents.

Starting point is 01:07:35 I like to be independent from everybody. I like to do things solo. That's why all the debt's on me, because I like to do things by myself. Well, that's good for you. What? You don't have that desire for you? I want, I mean, in the future. No, you don't.

Starting point is 01:07:54 No, you don't. You want your dad to be around forever. I want my dad to be around forever. Yeah, to spoil you. you to make sure you never have to worry about anything. Because I want to like travel and do things and everything but and move away at least an hour so I can do my thing, you know, like get a higher paying job in essence so I don't have to do another job so I can spend time with her.

Starting point is 01:08:20 So like if we have to like live three hours away from your father, you're going to throw a fit. I'm not willing to do that. Starbucks is bullshit and a waste of money and you already not. that by making your coffee at home and invest in the rest. So now you need to do that with your energy drink as well. Make GamerSubs 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.

Starting point is 01:08:51 The number one ranked energy drink is Gatorsubs. 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 Gammersups.G or click that link in the description below, type in code Caleb. Stop bleeding out money making minimum payments across multiple high-interest accounts. Most Americans are spending hundreds, sometimes thousands of dollars that could be going toward actually paying down debt instead of aligning some bank's pockets. And look, if you're sitting on high-interest credit card debt, a car loan at 18%, or, oh my goodness,

Starting point is 01:09:28 a payday loan charging you triple-digit interest rates, you need to hear this. If you've already cut up the cards and built better financial habits, but you're still drowning in interest payments, barely making progress, this is for you. I have opened my very own marketplace, a personal loan marketplace that lets you get personalized offers from multiple lenders in one place. You can see if you pre-qualify in minutes and it won't impact your credit score. But here's the deal. This isn't a magic bullet. If you refinance your dead, but keep swiping, you're just making the problem worse. You still need to fix the behavior that screwed you in the first place. But if you're serious about getting out of debt faster,

Starting point is 01:10:09 you could potentially lower your monthly payment by securing a single payment at a much better rate. Check out the link in the description below to see your personalized offers or go to Calebhammer.com. And remember, you still got to do the work. Well, for, how far are you guys downtown Dallas? Downtown Dallas is like an hour. Oh, so you have a lot of range then, because that's like the best job opportunities metro in the United States. So you don't have to be three hours away. No, like for what I'm doing. Yeah, but no, even still, it's about to be the third largest metro.

Starting point is 01:10:41 The GDP is almost a trillion dollars in Dallas-Fort Worth alone. You will have trades opportunities in Dallas. I get that. But like, the thing is, I would want to be closer to my job. And because... Yeah, that's fine. Well, how far away are you willing to live? Max.

Starting point is 01:10:56 An hour. No, but you wouldn't... Your dad wouldn't let you live in Dallas. Why would he not let me live? There's like a trillion suburbs. You're in one of them. I know. And you can still, what?

Starting point is 01:11:06 I know, but like the thing is... So live in a nice one. And also you could... What's that nice part? West Village? There you go. Live in West Village. Your dad will be proud.

Starting point is 01:11:15 West Village, but... Yes, you'll never be able to afford it. Exactly. But the thing is... But you will when you leave him and get a wealthier white man. Yeah, that sounds like a better idea. I didn't know he was this bad.

Starting point is 01:11:28 And a poxed addict. Oh, it's so gross. I don't want to think about it. Dude, sex isn't gross. That's gross. Watching people have sex? Like I understand it's addictive. There's bad things. Right now there's some young men that they only watch and jacking off so they're not going out and like doing things. But if you're doing it in a healthy way, like what's the gross part?

Starting point is 01:11:49 That's not healthy though. No, yes. I'm not healthy. No, we're all saying that. Well, the thing is I'm not healthy with it, but if I do become healthy with it. I do become healthy with it. I don't know if you can become healthy with it. Probably not.

Starting point is 01:12:01 You've struggled with it since seven, which is kind of crazy. A saver card. Who's this? There's a bunch of saver cards. Okay, well, this one's at $514.83. Hers. No, it's mine. Okay, well, you're not paying it all off like you just said you...

Starting point is 01:12:14 No, I didn't say I paid it off. I said she was over and mixed out. Didn't she just say I get my coffee and I pay it off? Yeah, like... Oh, yeah, that was her debit card. Like my debit card. That she paid off your debit card? No, like, I don't affirm my...

Starting point is 01:12:27 coffee. I could go buy it and it comes out and I don't have to like pay it for it. She's saying that her debit card pays for it because her cards are already maxed out so she can't use her credit card for it. She's wearing a Jesus shirt and you're jacking off to women having three ways. We just, we just. Do you not understand this? This is like weird. I don't think you guys are lined on values. Yeah, you're over maxed out. $14.18.83 cents above that 500 limit. You purchased $232 and allowed interest to accrue because you're spending on a card, you're only putting in a minimum monthly payment, too. She doesn't care about it, bro.

Starting point is 01:13:02 At all. She doesn't care about her credit card. Really? She doesn't care about it. You don't care? She don't care. She's like, I'm young. I literally don't care with her. No, no, I understand. Okay, she's probably being attractive for you and stuff like that, but like, why? Why? Why attach yourself to someone that's not going to give a shit? Because she will pull down the relationship further in life without daddy and everything. The thing is She will

Starting point is 01:13:29 After this conversation I just know Nah Not with the response She just gave She doesn't give a shit I do pay it off sometimes No you know

Starting point is 01:13:38 When you get at the gas station for eight bucks It ain't gas Energy drinks Yeah Throw it through Good news Gamer subs Congratulations

Starting point is 01:13:47 That was nice Lawyers Yeah you sent a document I'm not reaching for that Please? Because I probably want it. Oh, it's free? Yes.

Starting point is 01:13:59 Well, I didn't throw it at you and make you pay for it. So, that's 40 cents a serving. Just like you should be making your coffees at home now, instead of putting it on credit cards. You listening? Yeah. You're going to make your energy drinks at home now. I mean, I have, but...

Starting point is 01:14:15 They taste better. They actually do taste better. They're incredible. Get your free samples. Link below with My Code Caleb. Figure out what flavor you like. And then once you do, order them with a 10% discount. and you will be getting the energy drinks of your choice for 40 cents a serving. It's delicious. Camersups.Geechee-Gee-Gee-Gee. Does it taste like Red Bull? Koso.

Starting point is 01:14:36 Red Bull's like the worst one, but I'm sure there's one that matches that flavor profile. Ginger. Yeah, I don't know what his flavor is. I haven't had that one. Looks good. Is your flavor coming out? Soon. So energy drink, Doordash and Chick-fil-A, raisin canes.

Starting point is 01:14:53 I think energy drink, bullshit for sure. clean start car watch probably don't really need to do that in Dallas Panda Express Waterburger Energy drink DoorDashy McDonald's bullshit in and out in the Austinite Market

Starting point is 01:15:08 which I've never even heard of as an Austinite Austinite Market What the hell is that? How much is it for? 2897 Oh okay so we might be gas Thirstore

Starting point is 01:15:20 Oh yeah thrifting She's had a late few this year so far No expected just expected. Oh, she was freaking out about you having one, but she's had one herself. There's probably a bunch on there.

Starting point is 01:15:31 Like, a judge. No, it's not a joke, but I know. I already know. I mean, it's like, again, like at 20, I was an adult. I was fucking doing it. She didn't take any responsibility. But you're right.

Starting point is 01:15:41 Among your generation, something fucking happened. We're 20-year-olds an hour, like, what I was like at 15. So I don't know how would you treat you? Should I treat you like the child you pretend you are and just be like, oh, yeah, she'll figure out at some point. Yeah, she's just a kid. I want her to figure out now.

Starting point is 01:15:55 I do too, but she doesn't get, she's like, I probably have more. Because I, I do care about it. Me being, like, kind of independent for my family and not relying on them to pay for my stuff. My dad doesn't pay my credit cards. But he would. But he would. If he knew about it, probably. Who has the one main financial auto car?

Starting point is 01:16:13 Is it a car? No. Consolidation. No, why? The only reason I got that is because of you, Caleb. Because I thought I was going to do it right. But I say don't do it unless you change your behavior. That makes no sense.

Starting point is 01:16:25 I didn't, but I was like, let me, let me do it. But that's not what I advised, because we actually do personal loans and everything on Calebhaber.com for great rates and credit cards match people with credit cards that are great, but only if you're a credit card people, which you're not, and only with people who have changed your behavior before they do a consolidation or personal loan, which you didn't. So no, I did not suggest that. That doesn't make any sense.

Starting point is 01:16:48 Well, your f***. Hell yeah. But the reason I got it is because our roommate was, moving out and I needed also extra money from that loan and I think like the trucks collateral for that as well if I yeah yes what interest rate uh I think it's what's the point of a consolidation loan at the rate that like the worst credit cards are at anyway because my credit cards are already that rate so what was the point of the consolidation that's a payoff three so I could get rid of that monthly payment because I was the

Starting point is 01:17:22 monthly payment for the Sapphire preferred before the 120 used to be three and because I over maxed it out because we went to a cruise and we over did it. We put seven grand on a five grand limit. And being told, her big financial shift has not been blonde anymore. She's dyed her hair brown, but you don't look blonde to me at all. Look at her roots. No, I used to be blonde. Oh, you already died brown?

Starting point is 01:17:48 Yeah, bro. To save money. What? To save money. Why didn't you just stay blonde? Because I'm not naturally. Super blonde. What are you?

Starting point is 01:17:57 Like regular blonde? She's a strawberry blonde. Isn't it costing money to die a brown and not just leave it natural? No, because I want to be, when I dyed it blonde, it was bleach blonde. Like, just leave it normal. No, it would look bad to grow it out. Oh, when you grow out. I understand what you're saying.

Starting point is 01:18:16 But now you'll let it go natural. Yeah. To save money. Not really. You just wanted to change your hair color, be honest. You just wanted something different. Well, yeah, the blonde was kind of boring. But I did do it because I didn't want to pay $155 every eight weeks anymore.

Starting point is 01:18:35 $7,654.95 is what you have in your personal loan at that nearly 30% interest with $245.97 minimum payment. Yeah. That's crazy, dude. I know. Freedom card. What's this? Mine. Oh, there's your, I think, dyed blonde, right?

Starting point is 01:18:51 Yeah. Mm-hmm. Mm. Uh, what the f-f? You do look Mexican in that one, and you look like a Mexican. meth head in that one. Something's wrong. I don't even know what picture it is. Both of you look good in person, but you both look horrible in this picture. I don't even know what... Okay, it was a bad picture. I picked out the picture. I picked out the

Starting point is 01:19:05 picture. Neither if you look good in that. My bad. You look good in person, but it's just like, no, I don't know. Okay, freedom card. Mine. Okay. I got it when I was 8, 19. I just used it, bro. I got... Baxed it out. Didn't know what a credit card he was because my parents don't have credit. cards. They didn't, they don't know what credit cards are. Yeah, they're legal. Not legal. If you swam to the beach, you would have been, you know, a citizen back in the day. So they're, they hit it in time? Yes. They came here when Castro was kicking everyone out. That was, you know, prisoners. Good for them. They ended up in Buffalo, which is weird.

Starting point is 01:19:50 $693, not maxed out, not great, only making them a little more than the minimum, but nothing's crazy. So, yo, $693.21 at a $40 a month minimum monthly payment. But your purchase is in on your other credit cards, but not this one. No, I know. I know. I know. Because I'm scared for that one.

Starting point is 01:20:07 Why specifically? It's $21. It's the oldest one. It matters more. What? It matters more. Okay, well, 21 months to pay that one off. Of course, the first one was like 12 years, but.

Starting point is 01:20:18 And you're, and you've paid it on time, too. Quicksilver. Who's this? Which one? Also him. No, no, no, no. I don't know what that is. What is the son?

Starting point is 01:20:26 223. Yeah, mine, mine, mine. Well, she's authorized, used her on. Why don't use them? You are? Why would you want to be attached to this dude's horrible credit? He put me on it. Well, I used to pay off my cards all the time when we first started getting together.

Starting point is 01:20:39 $25 minimum payment. You're purchasing more than he put towards it while interest is to croix. See, you immediately f-th him. Chicken Express. McDonald's bullshit. McDonald's Goodwill, blessed hands. Blessed hands is my barber. Okay.

Starting point is 01:20:53 Don't be surprised if he's going and getting a happy ending special massages soon. Oh, he's a guy, and I met him in high school. He's there like three hours. Oh, okay. Yeah, when she's not making you come, yeah. Okay, this saber card's paid off every month, so I'm not gonna freak out about this one. Someone's buying Amazon.

Starting point is 01:21:13 Yeah, it is a lot of credit cards. Well, okay, credit cards are done. Someone, who has a Chase checking account? Me. Started with $44. It's crazy. You want it, do you want a traditional, what do you want this relationship to be like?

Starting point is 01:21:24 You want to be a trad wife? No. I think so. Because she said that she doesn't. doesn't want to, she wants to have a baby and then take a year off of work. One year, but I want a career. Oh, that's not triad though. That's just a year off of work.

Starting point is 01:21:36 Not her whole life. Huh? I want a career. Okay. Yeah, you're going to be a teacher. Making her kids more. But I'm just concerned if he's going to be the red winner, $44 is a scary beginning of balance.

Starting point is 01:21:49 And then at 235 at least, but it's still not good enough. Apple Bill. Netflix, coffee, McDonald's, Tom, Thumb, Japanese, Thomas Forbes Jr. the county seat, O-face flavors. The county seat. That was at the sipping,

Starting point is 01:22:03 drinking shop. Strip Club. What? It's like a bar. It's a bar that we go to to buy trinkets and stuff. I didn't get that. They have like vendors

Starting point is 01:22:13 and stuff to go out there. There are 20. Amazon. Like energy drinkers and bullshit. Bullshit. Waterburger. Subway, Waffle House,

Starting point is 01:22:22 Panda Express. If you, buddy, if you want to pay off your day and you want to fix the financial situation, why is it pages and pages of bullshit? You're going out like twice a day minimum.

Starting point is 01:22:30 Tomphe, McDonald's, bullshit, van line, Monkees Village, bird, bird biscuit, a whole coffee, La La Land, brand shop. That's all in Austin.

Starting point is 01:22:39 Yeah, there's bar partners. You couldn't afford it. Museum of the White, Ware. Weird. Weird. Oh, yeah, the deed cut off. Austin souvenirs,

Starting point is 01:22:47 a jackal up. Austin souvenir. What a, you guys are, it's the same state. You're, why are you paying souvenirs? Bro.

Starting point is 01:22:54 We're traveling from like, Ohio. Austin is a different culture here than it is in Dallas. Sure, you know that. It's walkable. It's, well, I mean, Uptown's walkable. It's more liberal. It's more liberal.

Starting point is 01:23:06 Dallas is a city's liberal, and Uptown's very walkable in Dallas. No. Uptown is very walkable in Dallas. What are you talking about? I know Austin, I almost moved to Uptown. Yes, it is. The reason I'd say it's out of walkable

Starting point is 01:23:20 is because there's more homeless people in Dallas that could run. Not in Uptown. There's more homeless people in Austin, objectively than Uptown. Okay. Hey, you're right. Wrong.

Starting point is 01:23:30 Okay. You don't know what you're talking about. Birdaf, jackalope, door dashing, door dash, door dash. Door dash, black rifle coffee. Panda Express, Dutch Rose, Chipotle, McDonald's or Ranger McDonald's is crazy. Roku bullshit. Red River Stop. Panda Express.

Starting point is 01:23:50 Appleville, Apple Bell is probably his O.F. Maybe who knows. Road Ranger, Airbnb, Chicken Express, Taco Bell, bullshit. Bullshit McDonald's. Thousands spent on bullshit. Going out to eat. Bullshit, miscellaneous bullshit. Crazy.

Starting point is 01:24:03 Miscellaneous bullshit, $2,000. Bullshit food going out to eat, $1,600. You can't complain about being in debt. You guys are just being kids having fun. Okay, first bank, I'm guessing that's you. $17. Started with negative $8.95, by the way. What?

Starting point is 01:24:19 Your is who you're going to be with. What? She doesn't give a fuck at her. She has down syndrome or something. She had, she overdrafts. She overdrafts $55, asked her dad to give her $100 and he gives me. Yeah, it's for all the bullshit spending she does, by the way. The connoisseur, Moby Dick's gift shop, islander, St. Joe's Pizza,

Starting point is 01:24:37 uh, thrift store, charins totally bullshit. House of Sports. Cash up, cash up, cash up, cash up, cash up, McDonald's, or Apple Bell, Subway, I love Nelson's Spa, Hill Cafe, K. It's Brewing, Paige Davidson, Brass Bunny, Bullshit, Ride River Stop. Bullshit, Venmo, cash app, Wendy's, DoorDash, bullshit, 7Brew, bullshit, McDonald's, Cafe. I love nails, bullshit, Brahms, Cashap, Taco, Casa Hills, Cafe,

Starting point is 01:25:10 coffee, Lenny's trailer, bullshit, Austin Night Market, howdies, vintage, Macy's, Wendy's, Rhode Ranger, Wendy's, Rhode Ranger, Seven Brew Coffee, Apple Bill, you guys are Frientgeneralds. You know, the money you make, if you weren't investing this properly, especially with the blessed situation, with the house being purchased that she has, you guys would be multi, multi, multi, multi-millioners by the time you're retired.

Starting point is 01:25:30 This is pathetic the way you guys are living. Pathetic in every way whatsoever. It should be embarrassed. I am. You'd have the best futures out of anyone who's been on the show if you just acted like f*** adults. You don't go to McDonald's every once in a while? I can afford it, and unfortunately, no, I'm banned.

Starting point is 01:25:47 No, McDonald's. He's on a diet, bro. My girlfriend. Well, not really. I'm kind of flatlined. But even still, I don't want to gain. Well, I mean We work out so we can eat

Starting point is 01:25:58 $1,213.97 It's their minimum monthly payments. Now rents, we don't really have it, right? 1430. It's 14. How? I thought he bought the house. I pay for it.

Starting point is 01:26:11 Huh? He bought it, but we pay it. It's a mortgage. It's a LSC that purchases it. Sake. Okay, so what is it? 1,430. Utilities, gas electric internet?

Starting point is 01:26:23 Uh, are gas electric internet? $55 for Wi-Fi, $100 for water, $175 for electric. No gas? No, no. 3.30, phone bill.

Starting point is 01:26:40 Phone bills was $2.40. What the... 60, because my brother is on my line as well. Okay. 180. Gas, room, from Drive, drive, drive. $400. Because I do spark, and that's a delivery thing for Walmart.

Starting point is 01:26:59 Car insurance? What about your gas? I pay for it. So 100 total? 400 total. 400? 400. Oh.

Starting point is 01:27:09 400 total and then 284 for insurance. 600 for groceries. Totally fine. Nope, plan. TP fund and anything else to survive $200. Tamp pounds, makeup, haircuts, all that good stuff. Medical health care copays? She goes to the doctor often and she has a...

Starting point is 01:27:30 actual debt from her doctor. What's wrong with you? Besides, like, you look at places. She has depression. So what's your copays? $70. How frequently? Doctor or therapy?

Starting point is 01:27:46 I thought you're doing it. $70? $70 a week, but. A week. $70. You're anti-therapy, but you have depression? Yeah. She doesn't want to talk to a therapist.

Starting point is 01:27:55 Who are you going to for $70 a week? My doctor? Her physician, bro. Like her. What? Clint. She goes to... What?

Starting point is 01:28:03 A week? For what? I don't go every week. Yeah, you do. You take off work for that reason and they... I owe 270. You gave them more than three doctor's notes this year and we're only in May. Oh, wait, but that's not once a week though.

Starting point is 01:28:17 No, no, no, this month has been once a week. Is it $280 a month or not? What is it? What do you think? Co-pays. What do you think? I don't know. I pay like $270 and co-pays this month. Oh!

Starting point is 01:28:29 So however... Yeah, exactly. Because he keeps going to the doctor? Why? Because he keeps changing my medicine. What? That quick? Yeah, because if I don't think it works, I'm not taking it. So I go back. Okay.

Starting point is 01:28:43 Yeah, you're horrible. I don't want to take medicine for no reason. But you don't know. It takes time for something to work or not. She doesn't want to talk about her problems with anybody. You don't know, go to a... Her doctor advised her to go to therapy, but she doesn't want to. Not even just doctor.

Starting point is 01:28:58 What about the one who... Psychiatrists? Yeah. Oh, I don't talk to them. That's the one who's better at prescribing medicine usually. Dude, you got, you're weird. Just see my regular doctor. Yeah, shut the fuck up.

Starting point is 01:29:14 $80, you have no hope. $80 a month for subscriptions. Anything else that needs to be in this budget? Have any pets? Yes, we hug. No. He's Apollo. He's two years old.

Starting point is 01:29:24 Okay, 50 bucks for pet insurance. How much for pet food? It's around like 40 bucks? Mm-hmm. Okay. Anything else that needs to be in? here? Do you have anything else? Well, she also makes 185 every two weeks with her dad because I clean offices. I clean his office. So yeah. So add that to income as well. We don't have any

Starting point is 01:29:47 other subscriptions or anything. I think we've added all up before. I did. You didn't care about it because you didn't want to listen to it. Okay. So a couple of things. You mentioned in the green room you of a Best Buy credit card. Yeah. It's a 153. I used it for... $153? $853.

Starting point is 01:30:07 What's your minimum, asshole? $30. Oh. Sorry, bro. I didn't hear you. Like, actually. What's your minimum? $30.

Starting point is 01:30:18 Okay. Oh, what is this? It's an upstart as well. Oh, yeah. That's two grand for... Oh! For another two credit cards because I have five in total.

Starting point is 01:30:27 Dude, there shouldn't be more at this. point. Oh, minimum payment is 70 bucks. 70? Me, man. Okay, so now it's $5,177.97 a month. Dude, what the fuck is wrong

Starting point is 01:30:43 with you? Are all the credit card on there? How much does she get with her dad? Yeah. Uh, one one, 75? What'd you get? 175 per per two weeks, so twice? Okay, but even still. If you combine 6,450, which I don't even know if we should at this plane.

Starting point is 01:31:03 So it's like, what a mess this is. Okay, you have an extra 1,272. Let's give you 272 in fund money. So I feel like we do pretty good if we have extra money. Yeah, that's not how this works, bitch. Because all we're going to do with the extra money is to do stupid shit that we have been doing. I need the top of your document. Where is it?

Starting point is 01:31:31 There is. You have it. How much do you spend last month? Does I say 12 grand? Uh, yeah. How much video we make, babe? Come on, babe. Maybe. You don't know where this is income.

Starting point is 01:31:47 Well, that's not your actual income because they're like Zells and stuff. It was weird. You guys made like actually like, it was like almost 5,000. Okay, either way. It doesn't really matter. Listen, it takes two years to pay off. That's totally fine. And I give you a fun budget that people don't get of almost $300.

Starting point is 01:32:02 And save off a six-month emergency fund. Then live 50, 30, 20 for the rest of your life. You guys will be multimillionaires. This is the easiest thing ever. You're just a spoiled bitch and you have no self-control. That's crazy. I want to see how you guys text each other. Oh, really?

Starting point is 01:32:15 Okay. Yes, I'm going to be going through that in the post show. We're also going to call her dad in the post show. There's also something else absolutely crazy. Okay. We'll see. So make sure to join us from the post show. Let's get the Hamer Financial Score.

Starting point is 01:32:27 Spending and a budget, overspend, zero out ten. Dad, no collections. I'm doing household here. I do have collections. A thousand and then 600. Why am I finding out debts an hour 36 minutes in? zero out of ten go yourself no savings zero ten

Starting point is 01:32:43 no retirement zero ten who's on the title for the house just the dad not you her so zero out of ten go f*** yourself

Starting point is 01:32:50 have access to the LLC does it okay hammer financial score zero out of ten get yours at calebcom join hammerle click the join button get three premium shows posted every single day

Starting point is 01:32:59 six days a week join us for the extra 20 minutes in this episode called the financial auto post show it's gonna be a good one we're gonna call the dad and I'm gonna fucking expose this guy for Oaf

Starting point is 01:33:06 see you there Paul her dad and admit to your crimes Wait, you have to call it? Oh. That is insane. Hello. Hey, so we're on the show, and I just got exposed for only a f***es, and I also watch Fri-N and they wanted me to tell you that.

Starting point is 01:33:21 June 1st, I'm launching the Hammer Elite app, available on every major platform. Join the wait list by using the link in the description or pin comment down below. To get a never-before-seen financial audit video, and then an exclusive offer just for you. You'll get lifetime access to the entire Hammer Elite catalog and our Hammer for Lifebox packed with limited edition merch. So mark your calendar, June 1st. This is the best membership you'll ever join in, and that is a promise.

Financial Audit - Affair Exposed On Financial Audit

There aren't comments yet for this episode. Click on any sentence in the transcript to leave a comment.