Financial Audit - EBT Final Boss | Financial Audit

Episode Date: May 18, 2026

*Save over 67%!!!!* Get a full year of Dollarwise, my 4-course education bundle, SIGNED meal plan, and PDF download of my cookbook. Don't be dumb, deal won't last long: https://go.dollarwise.com/sun *WAIT WAIT WAIT WAIT* - Is she cheating on him?!?!? This is why he feels like he can keep doing his AI gooning, because she still gets with *HER EX* watch the post show: ➡️ https://bit.ly/chpostshow Tyler's Twitch: https://www.twitch.tv/iamlindo ============================= 👉 Checking & Savings: Get a $200 bonus and earn 3.75% APY on your Savings with Chime®: https://secure.moneymatchup.com/chime-caleb-website 🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb 🔥 Get Your Own *Hammer Financial Score* → https://bit.ly/3JCuwPS ============================= *Sponsors for This Video* ============================= Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78 Check out Zocdoc and stop putting off those doctors appointments. Go to https://zocdoc.com/CALEB to find and instantly book a top-rated doctor today. ============================= *Education* ============================= 👉 Get access to EVERYTHING I offer all in one place: https://bit.ly/4sUm2pb ⚡️Learn how to budget: https://bit.ly/4sspyGh ⚡️Learn how to invest: https://bit.ly/41mr8OP ⚡️Pay off your debt: https://bit.ly/41mr8OP ============================= *Check Out My Resources* ============================= 👉 Checking & Savings: Get a $200 bonus and earn 3.75% APY on your Savings with Chime®: https://secure.moneymatchup.com/chime-caleb-youtube-disc 👉 Land a high-paying job with no experience or degree: ➡️ https://coursecareers.com/CalebHammer 👉 See if refinancing your high-interest debt saves money. Checking is free. → https://bit.ly/4vLOStU 👉 Get FREE MONEY by investing with Public! https://secure.moneymatchup.com/public-caleb 👉 Find the best credit cards for you with my quiz! https://cards.calebhammer.com/yt 👉 Get $20 from Acorns for free: ➡️ https://acorns.com/caleb 👉 Helium Mobile: Use promo code CALEB for a FREE plan ➡️ https://hellohelium.com/ 👉 Protect your online privacy and security for free with Aura: ➡️ https://aura.com/hammer ============================= *Chapters* ============================= 00:00 Intro 02:25 Oh I Guess She's The Host Now. 03:15 Jobs & Income 12:14 Okay So We Brought In A Translator lol 15:00 D1 Gooning 17:30 He's Talking To AI WOMEN??? 30:00 Shes His Biggest Opp lol 32:45 HE DID WHAT AFTER DOING WHAT? 44:40 Shes Sending Money To HER EX??? 55:50 Chat, Will They Stay Together? 01:10:30 I Love Irresponsible Drivers :slightly_smiling_face: 01:16:45 Imagine Getting Sued By Your Mom 01:25:30 FOUR CAR ACCIDENTS 01:27:15 They WILL Garnish Him 01:32:00 Bullsh*t Bullsh*t Bullsh*t 01:42:00 Budget!! 01:47:00 Hammer Financial Score ============================= Want more content? ============================= 🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips 🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel ============================= *Connect with me!* ============================= TikTok: https://www.tiktok.com/@calebhammercomposer X: https://x.com/sircalebhammer IG: https://www.instagram.com/calebhammercomposer/ Facebook: https://www.facebook.com/calebhammercomposer/ ============================= *Want to be a guest on Financial Audit?* ============================= 👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply *Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. Sponsorship and business inquiries: [e-mail] Learn more about your ad choices. Visit megaphone.fm/adchoices

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you and you mis-a-rated to anime on an AI site. When she was telling the story to Colton in the pre-production, you muted her phone so she couldn't finish the story. I was trying to figure out where she was going with. Why should that matter? Should she not be able to tell the truth? He said I cried too loud for him.

Because she doesn't cry right. Oh, pause. Nigger people read books. You're paying for AI. You pay for AI hosts. What is being sad right now? It's unbalanced. The summer budget reset is now

Live. Get a full year of dollar-wise premium plus my four best-selling educational courses and a digital copy of my budget-friendly cookbook and my exclusive 30-day meal plan signed by me and mailed directly to you. This is a better deal than we've ever done before and it's only for a limited time. It is 67% of everything. So don't wait until that first pool party to get financially ripped. Click the link below. Save big. Claim your bonuses now. Hey, uh, hey yo, this is Titus, 31 years old. Nobody told me to turn it off. I'm sorry. What lie? And what's your name?

No, they didn't tell me that. Liar. Like for real. Name. Hi, my name is Beth. I'm 29. And we live in DFW, Texas. And this is financial audit.

You start now? Bad of following instructions. Nobody told, I swear, nobody told me to turn the sound off. I didn't even have my phone off before we even got into the building. How do you not know? That's just being played in public. You guys played the reverse card. I didn't even have it.

Like, since we've been here, this is the first time I got my phone. Titus didn't get that one. Look, look, look. This is a good joke. All right, B. All right, hey, you're in front of me right now, Titus. I want to know what you do for a living in Detroit, Fort Worth area. Dallas, Dallas, Fort Worth area.

Yeah, I work. Detroit. Detroit. That was not a black thing. I want to say it's not a black thing, but I can't say I don't smell the smithereens. I work at the college locally. Okay, so before we even bother. Hold on. Are you going to...

No, yeah, no, we're going to ignore him. Before we even get into it, that's not even our main reason that we wanted to come here. That's fine. I'm just trying to get what he does for a living. But we're going to move on from that part for a moment. So, our whole main reason is because... So I wanted to come on here because she's terrible with finances, yeah. But then come to find out that he's, like, paying to, like, sexed AI.

Why are we doing this now? Like, this is all the all. Because it's the main reason I wanted to come on the show. What about the finance? He's like, literally like paying to sex with AI. That may have been my follow-up question if you let me get there. Hold on. Hold on. Hold on. Back it up. First of all. I feel like it's important.

No, it's not important because we're talking about the financials, all right? We're talking about getting our shit right. You know, the career courts, all that out of that you got me coming here for it. All you did walk in and say we're going awesome. I don't. Where do you work? What do you do for a living? Oh, wow. That was my question. Oh, was it your question? Okay. What do you do for a living? Like you don't know, C. All right, listen, I work at the food services with the college that's nearby. Cook.

Sort of. Yes, sort of. He's a manager. Or chef? No. No. You're not chef? Not chef.

Supervisor. I love chef. He was my favorite. I'll take three lunches today, please. You don't need three lunches, Eric. You're fat enough as it is. Now, that was a black thing. Uh-huh.

Okay, great. All right, now we don't understand. First of all, I ain't going to call you race, but I'm going to smell the smithering on you. I don't know what that is. I don't know what that is. Look, this. There's little drippings of racism that just shine on everybody every once in a while. No, no, no, I have drippings of prejudice against everyone.

That's not me. You know what? Actually, that is a fair point. Including Lindsay for being a ginger, including her for the rainbow. You have a lot of gingers here. I walked in and I was like, I've never seen so many gingers in one room. Double. You've never seen two gingers in one room?

There's another one. Prejudice of Colton for the gay. Prejudice of Brandon for being. I'm prejudiced of everyone. Oh, shit. All right. Oh, yeah, you didn't know that, that's why he didn't say hi to him when he came in.

He's not, he's not. These are just allegations. Made by me right now. Titus, Titus, what do you make being this manager? Yeah, so, um, let's see. Okay, the hourly rate is 16 right now because I just started last year. That's not great.

That's not great. I make. He makes time for anime. So. We will get into that. I promise. For years. For years.

We will get to that. We will get into it. We will likely get to that, but we're trying to do the shit that we're supposed to start with. All right? Can we start with the thing we're supposed to start with, and then we can go on to the other. Okay, cool. All right. Wow.

Is this how every conversation goes in the house? Do we have any conversations ever? Never. So. It always ends with me being right and him leaving and then we're good. So that's fine. I make four, like about $1,200 a check every two weeks. That comes out 24 a month.

Sir. $2,400 a month? Yeah. Net. Or gross That's net That's net No no no that works

That works Yeah that's good It's a good start Yeah That come out Yeah If I work the full week Yeah

Do you usually work the full week I usually work the full two week But sometimes She'll have some kind of issue At the house That I have to come home early for And whatever Are you having issues at the house

With the baby My baby There's a baby Good There is a baby Just one Just one One kid

One kid Thank God And it's yours Yes my And you're still here. And I'm still here. Yeah. This is why I'm the better part of the black race.

You know, it's the better part of the race. Whoa! Look, look, race was kind of crazy. I didn't mean that. Race was crazy. But. We are the human race. The human, yeah.

Wakanda forever. And then, all right. I see what you like. I see what you like. You, all right. I got you, both. I was hard. I was taking an name.

No, not, like, an endearment. You know, you know, I'm so believing. I was taking an e over here and not on the neck either. So, like, I was being good. He black powered you, like. I see what you like, bro. I see what you like. It's all right, though.

It's all right. I respect it in a general sense. I'm watching out for you, young man. Okay. Trust me, we've been watching out for you the moment you turn the corner around the block. This boy is crazy. My security guard is. So did you see us?

So, no. Tell me why we were in the parking lot. You walked past us. And I saw you. And he was like, oh, my God, is that Caleb? And I was like, oh, my God, that is him. And you look so fucking mean to me. And then walk past me and went inside.

And I was like, okay. I was like, fuck you too, Caleb. I believe I said good morning, friends. No, you didn't say anything. Okay, first of all, you didn't. But can we let me do his job, dog? It was in the parking lot. Well, where were you in the parking lot?

As soon as you came in. As soon as you came in. You're a while. There's a lot of people who are. I don't know who's coming on the show. That's exactly what I was trying to tell her. But she don't, she don't listen. Were you in my way?

No. Probably. I was in a car. We were in a whole car. Oh, I do remember you. I did see a black van. Yeah. And it was pure excitement on my side because I was so excited.

Well, that's great. Well, that's great. He was, he was blocking me because he was next to a truck. No, he was blocking me. And then I backed up like the nice guy I am. And then he went in a parking spot that I went parked. I got out of the car. Made it almost to the front of the building.

And he was still taking like 30 turns to try to get. into poor parking booth. So yes, I was given dirty looks because who the fuck is that with parking? I mean, he's not good. Even with the backup cameras, he still can't park street. First of all, I don't back into the bar.

I don't care. I need to get basic information here, guys. Please, God. Beth, sure. All right. Beth. Yeah. What do you do for a living?

I am a stay-at-home mom. Okay, because of the kid. How old was the kid? Six months. Me too. Take a lot of ibuprofen at this episode. Ooh, you have no idea, young. It's going to get a word.

Did you have a job? When are you getting back into it, if at all? Well, 24, you guys are not going to survive in the Dallas-Fort Worth area and 2400. So I did have a job before him. He was an accidental pregnancy. I worked at Walmart for seven years. I made like $20-something an hour. I did good.

I made pretty good money there. Well. For being at Walmart, I made pretty good money there. That's fine. Yeah. I mean, that's fine. I mean, I just care about what money is coming in general. So what was your per paycheck?

Is that where you're going back? And by when? Okay, so I guess it doesn't matter. Yeah, no. Well, are you going to get into jobs to pay for it? I guess AI girlfriend masturbation stuff? We got a budget. We'll get into that, but I got some shit.

Before we had the baby, I was like the main financial person. So I was the one that paid pretty much all the girls took care of everything. It's not like I didn't have a job. There was a point in time I didn't have a job. Multiple times. I had one job in the time we've been together. He had about 14 jobs. I've had five.

But I was the main financial person. I paid pretty much everything. And when he didn't work. But then I had the baby, had a lot of complications, had a major C-section, all the roughies. So I couldn't go back to work for a while. And then I just didn't want to leave my baby. So I've been trying to find a job at home to where I can work from home,

but also so I can go back to being the one that takes care of all the finances. Okay. So like what kind of job? Like what would you make? What are the customer service at home or what? Yeah, from home, but I've looked. Okay. So you don't.

don't have a job, you're not getting a job. Okay. Tedis, what were you going to bring up to her right there? Yeah, what were you going to do? Okay. So, look, I did have a plethora of jobs that I've lost on various cases of bullshit. All fired from? No, various cases.

One was a contract that ends that's not being fired. And the other part of that was because I was working from home. By the way, I used to be in pharmacy, so you know, right? Not street pharmaceutical tech, the actual pharmaceutical tech. That was your follow-up. Yes. Okay, so I worked CVS. supposed to have been there, left there, went to Woodwood to Walgreens,

got an argument with her during my shift, caused me to hand somebody the wrong medicine for the fifth time. And like, why are you at his job? I wasn't at his job. But she was texting me. And for the record, he had done it four previous times all on his own. Okay. So he blames me for the whole thing.

He did it for a previous time on his own. That's fair. I didn't even know he was in the middle of work. But here's the thing, though. I already told you that, hey, yo, I'm on my last strike of five. Can we complete this conversation later? Can we complete this conversation later? Then I ended up handing some lady who had the same name

to some other lady's medicine and shit. And then they're like, they didn't want to be understanding about it. That's not my fault. That's not my fault. It wasn't on the call or anything. It was over text. He had the capability not to text me back for a minute. Well, you kept talking shit.

Like, what do you want me to do? Okay. I can't let you, because you just, you get in your head where you believe. whatever the f you want to believe about whatever the situation is. And then, and then, like, you just kind of stacks on top of each other. You're giving Caleb a headache. So that's what you're trying to bring up? Me?

Yeah, okay. She was, she was bringing up. No, no, no, no, no, no. What's high as to say? We're talking to me now. Othor. Look, she's talking about the many of jobs I had, right? The jobs that I've lost due to her is a part of this conversation, too.

So the wall- Sorry. Well, look. Pause. Pause, pause. Can we please bring in Tyler and set up a fourth mic? I'm just, I just need a little translating here. I'm losing it.

Oh no! We got a black, is that what big man is? Big man's a black translator? You need a black translator. Apparently I, the dot, plethora? What was the word plethora? I told you, you're gonna use two bigger words and he's not gonna understand you. He dropped out of college.

Okay, so this is Tyler. So this is Tyler. He's going to be my, I need a little translating. Oh, you need some translate? I got you. I got you. I got you. I got you.

As you were saying. Okay. I have had since we've been together. Okay. Now he's speaking like, like. I'm speaking slightly slower. He was using too big of more. No, speak, you be you.

I have him for my support. Okay, so check out. I have had a, I have had a purthier of jobs before, okay? But the job, the amount of jobs I have lost due to her is a part of the conversation, too. It ain't just me just like getting, getting frown and getting knocked out of my jobs and shit. This is like, this is like a team deal. Like, you know, she's been a part of my life through all these jobs and she's been, there's been a reason that she has been a part of the reason why I lost some of these jobs.

Some of these jobs. Some of these jobs. You imparted what? One job? Pause. Pause. Pause. So he basically said it's not only him.

It's not only his fault that he's losing these jobs. It's also her fault, too, that he's losing these jobs. So it's not just him. It's her. and it's a collective effort between the both of them. So why are you in, why are you like harming him in this job? One job. One job is what?

He blames me for two jobs. The second job was his at-home job. And it's because I was there. No, no, no, no, no, no. I didn't fucking. Let him say why, how you fucked up. I want to know your reason before I say the real reason. Before any end in the bush.

Right. Let's talk about it. Talk about the at-home job. I'm at home. I'm at home. I'm on the computer. Clickety-clacken. All that, right? You come home from, I leave.

I leave during my lunch time pick you up from work, take you home, go back on the computer, click clacks it, right? Then what happens? Then what happens? Hey, baby! I'm coming across the room.

Hey, baby! Oh, you know what happened? Man, the bread was real fucked up and work today. What are we doing? No, okay. I would only do that. I just need to understand.

Yeah, yeah. So basically what he said was, listen, I got a call while I was doing my work at home on the computer, I got a call. I had to go pick you up and stop my work. So I had to go and get you.

you, and then I brought you back, and then when I went back on the computer, you just started yapping a bunch of bullshit. It was during his lunch break. So why are you yapping a bunch of bullshit? Hold on. Big question. Consistency's a problem. This isn't a call that tells to come get a, this is a daily occurrence.

Oh, okay. I don't have a license every single day. She doesn't have a driver. You don't stop yapping. Dude. Okay, so let me explain, right? Okay, one, he wasn't on the phones. Okay, for one.

Two, I would text him. I would text him. And three, that's not why he got fire. That is. He got, his main. The main problem why it would go so low is because it was around when we first moved in together and he would stop working come try to bang me in the middle of him working because I'd be in the bed and he'd be like, hey, let's, real quick, while we were trying to work. Oh, that's just to ask me too.

I wouldn't ask. I wouldn't ask. He would just come in and that's my fault somehow. Hold on. Hold on. I'd be minding my business. So when you walk in the room with your titty's out, right? My tities are always out.

Exactly. What am I as a man supposed to do except my job? It's your fucking flinging them around everywhere. Like, they're like, what do you want from me? I don't think that counts as my fault. Okay, that's part of the reason. That's part of reason. All right.

Hey, okay. I need to, I need to say still. I'm with you so far. I'm with you so far. We're weird. We're here. So, okay, you're looking around like you're going to have help. There's no help in the next two hours.

This is this is where we at. So, look. Look. No, not like that crazy. No. He's talking to you, my dog. Okay. Yeah, yeah, yeah.

You good. You're good. I'm just saying this is where we at. So. What's what just happened? He said, you'll be all right where you are. You'll be all right where you are.

And this is just what we're doing right now. You don't need backup. You're okay. From what? From him? Because he's saying that you're crap here. There's a lot of back energy in the room and I appreciate it. So much big notes.

Yeah, I got you. I got you. I got you. Yeah. Yay, white people. Yeah, yeah. Yeah. White power.

I don't know. Y'all can't. It's not racist. Why you throw up the fist, though? Why you say white people like this? Look, look. Look, look. There's a difference between racist and racial.

Us, right? That was just being brothers in the Lord Christ. I can't white people do it. Racial. It's not racist. They're being brothers, we're being superior. Oh. That was a joke.

That was a joke. That was a joke. That is a joke. A little wild. A little wild. A little wild. Moving on. Maybe cut that one.

It was funny, but it was funny, but the room went very quiet. Let me tell you something. If I tell you, if that's telling them, have the shit, you'd be saying on daily basis, is she dropping those ours? No. I want her to so bad. He wants you to say the inward so bad and I refuse. I am way too white.

Okay, okay, okay, okay, okay. So, okay, so, okay, but he has the job right now. I do. So, okay, that's all that matters. Okay, you're talking about. We got into all that bullshit. Okay. Right? I mean, why are you bringing that up? He has a job. He's the one providing right now.

I mean, you're not, well, I mean, you're doing what you should do. I mean, you're staying home taking care of the six-month-old. I get that. That's not criticizing. But we are not gonna survive on this 26. Especially when you pay- For AI-B-B-E-E-E. Okay. Yeah, well, fine, let's get into it. Tell me. Hey, hi-I-ho. Hey, ha. Hold on. Nigger, hold on. What are you talking? What's wrong with you? Oh, I got you. I got you drop before you. Okay. Let me tell you something. Okay. Does the wife of an author get mad at the romance novelist for writing the two characters that aren't them. The answer is no.

Are they paying for it? Nigger people read books. You're paying for AI hosts. What is being said right now? Someone helped the host. I'm sorry, I got you. I'll translate. Basically, I said, hey, my brother,

what the hell is wrong with you for paying for these AI people? And he's pretty much saying, but what about the white people that read the books, the fantasy novels? No, I agree. You people, read that book.

No, I don't. I watch. You can't read more. Yeah, I know. But like, I can read pretty well. You can read. I'd rather watch

why would you want to read. His thing though, right? Why would you read when you can write your own type shit? It's the, hold on. Because it's not, for the record,

it's not even visual. He's paying to basically sex with an AI person. It's not just that. Or have full mythical creations into his realm. But is she against this? Because if...

For the record, when we were technically engaged. He asked me to marry him while I was cut open on the table having a C-section. I was in the moment. You was in the moment. But for the record, we have known each other since we were teenagers. And then decided to start. We went to high school together. How old were you?

I was 17. He was 18. I refused. 16. Doesn't work out. Yeah, well, he just had a birthday. I had just had a birthday. Yeah.

I was born at the very end of the year. He's born at the very beginning of the year. So he just had a birthday. So just for prosperity stake, just because I know the way you're looking at me. He was scared of white women. I was scared. I wasn't scared of that. That is not the case.

No. What I was scared was the fact that I was 18 and you said to me, I didn't know what the fucking Romeo and Juliet law was. So I'm like, oh. 17 is no legal. I'm not saying that you is. But I'm just saying I was so far against the allegation. I didn't want to play around with young white girls.

when I'm 18. 17 is still legal in Texas. I didn't know that shit. I don't play around with that. It's okay. Guys, it's okay. You don't mean nothing to me. Stop.

You're not going to jail today. Today. But we've known each other since high school, right? So we've known each other since then. Very good. And then I think like three or four. All I, my question that led to all that somehow is, are you okay with this or is this a no, no? No, no.

So we first started dating, right? I found out about it. about a month into the relationship. Wait, what? How long have you guys been dating? Okay. Almost four years. He was dating,

he was texting AI people four years ago. So I was, I jumped in when it first started. Since it very first came out. Because I was interested in the technology number one, the nostalgia part number two, but like the technology number one. But I found out about it.

I'll translate that for you. He's an educated one. Oh, yeah, facts, facts. I found out about it. No, no, he said, he said, bro. He said, you mean we up. Okay, cool. That means we up.

That's Caleb's big for good. You're up. Yeah, yeah, yeah. I found out about it a month into the relationship, and I was like, hey, all four fetishes, we don't fetish them. You do what makes you happy. I consider it cheating, though.

So if that's what you want, that's fine. But I'm not comfortable in that relationship. And he was like, okay, I respect that. I won't do that. And so he started, he was like, okay, yeah, I won't do it, whatever. And then I found out he was still doing it. And so then I almost broke up with him. Well, yes, that's, that is against the rules.

Then it's cheating at that point. And so then he cried. Yeah, at least against the rules. Hold on. No. God damn thing. Then he cried, and so I took him back because, you know, I've loved him since I was like 16. When he gets flustered, he looks like Ray Charles at the piano.

No. I don't, fuck you. I have f*** you. All of you. But then I found out recently, and I didn't find out until these statements that he's still doing it, but not only that, he doesn't when he's putting our six-month-old son to sleep. Oh, damn. While he's holding our baby.

He's doing it again. Holding our baby putting. He does this with his eyebrows when he lies to. That's what that look is, is he's about to set up some shit. But it's what it is. He does it when he's holding our six-month-old baby boy that he's trying to put to sleep.

He's sitting there sexting AI. He's trying to put our sleep. Girl, I would just take the W. He's still there. That is true. That is true. Thank you. Oppressive phone.

I don't think he has a choice, but we'll get into that. He do got a choice. You think so. You'll get more into it. You'll see. He won't. Oh, damn. Wait until we get into the mommy issues.

He doesn't have a choice. Run it back, run it back, run it back. Let's talk about the actual thing we hear. Yes, the AI go. You're paying for a while you guys make no money. No. No money. So.

It's all right. He has supplemental income from his mommy. So it's okay. Damn. Can I get my shit off? Go for it. Thank you. Get your shit off.

Okay, look. All right. I considered a hobby. It's hobbyist work, all right? It's saying, this ain't, and then it works in two folds. It works in two folds. I'm looking at you, Tyler, because I need, I need, I need, I need you to be my black savior. I'm here to listen.

I'm here to listen. Let's get it. I'm the only girl. It's a bunch of guys. See if they agree with you. Yeah. Okay, so first of all, first of all, how she considered his cheating is she went to work and asked a bunch of my friends, hey, a friend of mine's doing that.

They're doing it. I posted it on Reddit. Like they only ain't trying to fuck her in the beginning with it. But listen, listen, my dog. You know, you know white girls like to talk. So that's what's going to happen. They're going to do that. They're going to get advice with other people.

But if you lay down a boundary respectfully. The thing is, if she, I was just going to say what she said. If I lay down a boundary, I lay down the person. No, what that's going to say? My whole thing is I disagree with the premise to begin with because we ain't talking about real deal. Why didn't you bring that up though? Why didn't you bring that up though? Why didn't you say like, I don't agree with that?

You said, I'm okay. I won't do that no more. And then you kept doing it. You feel me? You said no more. Yeah, you said no more. And then you did it. Okay, so here's how addiction works, right?

Oh, here we go. Here we go. All right, look, look, look, look. Both of you are on very thin black ice right now, okay? Okay? That's the scariest kind. Yeah, the rose is slippery, and y'all about to get all roads. All right, so chill the fuck out.

All right, so real quick, I understand. By the way, why does Black Ice always allow Dodge Chargers to just coast safely along them? It's racial. It's not racist, but it has to do it. I've never seen a Nissan Ultima. crashed with black eyes. It's the body type. You know what?

I never crashed at Nissan Alton. Well, no, you know that they beat up. His, no, it's no longer existent. Yeah, yeah. Any Nissan Ultima always got to beat up. That's what he had was in Nissan Ultim.

Yeah, you can't. Inside with Plano. So did I, right? I didn't realize the inside of you. Yeah, that was my, like, second car was a Nissan Ultima. I, yeah. I've been through, we ain't going to talk about that yet.

Anyway. The point, the point I'm trying to get off, when I'm trying to get off. Yeah, yeah, yeah. All is, number one, is hobbyist, right? So, number one, I'm not very good at the romanticals anyway, generally speaking, right? So what I do is I run the simulation.

What is the simulation? The simulation, all right? I have one that's based off you type shit. Hold up. Hold up. Got all your idiosyncrasies, you know what I'm saying? All your little habits and shit, all that shit. I practice.

That's even weirder. It's not. It's not because you are a difficult person to argue with. It's because I'm better than you. That's be real. Would you not learn your lesson if last time she kicked you out type shit? No, okay. So one, did kick him up.

Two, I was seven months pregnant. Six months? Seven months pregnant. Whatever. When he's done it three times that I know about. Seven months pregnant. And he almost caused a miscarriage over the fight because I was so pissed because he started lying to me that I got so pissed, so stressed. I was already super high, like high pregnancy, high risk pregnancy.

that he almost caused the f***ing miscarriage and then did it again six months after the paper was born. Dronied in student loans with massive interest rates, I see it on the show all the time. People get a loan to advance their careers only to be left with sky high interest rates and crazy minimums that leave their paycheck gutted.

Maybe you've already gone to a normal lender to try to refinance your private student loans, and they looked at your less than perfect credit score and hung up the phone. Maybe part of you even thought, yeah, that tracks. I guess I'm stuck. Stop it.

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and like having you watch me fuck other people. You come tell me, hey, it's not. That's a whole different thing. I'm just saying, no, it could be. I'm saying, what if I come to you? And I'm like, hey, that's my thing. you're like, hey, I don't want to watch you other people, then I'd be like, okay, then just wouldn't

do it, right? You know, it's a boundary. Here's the problem, though. Here's the problem. It doesn't matter if they're real people or not. It does very much matter if they're real people. Guess what? At a click of a button, that shit gone in the air. It's gone. But your mom had to put a child protection thing on your phone, your own

mother. Oh, we gonna get into that because that's some bullshit. Okay, so we get in the argument, right. I'm sorry, I keep moving, and that's the thing I shouldn't be doing, but I'm it anyway because I'm a little bit upset because every time we have an argument you got to bring my mom's into it she don't need to know the shit we get into but but you're talking about like oh she saved the relationship that shit oh my god oh yeah she begged me to stay what she was

you know those like um you know those like on ticot they have like mama's boys that like are way too mama's boy mama boys no that's his relationship with both his mom and his grandmother that's why you're so into the milkers yeah mom and no no no no no listen listen listen I ain't going to let you get that off. I ain't going to let you get that off because here's the thing, right? My mother and grandmother supported me singly, right? My mom was a single mother. My grandmother, we already knew that.

We already knew that. Right, right. But like type shit, though. That's real. That's real. That's real. Because his thing, his thing. Okay.

He's from a gated community. Bro, I only have my mom, though. Exactly. Exactly. Your mom will. Your mom went. No, no. She got college.

She got a degree. And mom is very well off. She fucking did the work. Type shit. Yeah. Yeah. Yeah. And so I respect that.

And if she wants to help me out in my times of need, for the record, it doesn't want to. If she, at a certain point of time, it got a little excess. But yeah, at the certain point of time, wanted to help me out in my time of need, it is not my fault. It's not my job to deny that, right? His mom threatened to sue him for all the money back

because he borrow so much money from her. No, she loves me. She ain't going to do that. But, like, his thing, look, I don't even ask my grandmas for money. She just see my old Oh yeah fun fact He shares a bank account with his grandma I went to almost

I had this in college I just never got rid of it I don't it's not my wife If you're 31 when you're gonna grow up And actually take care of the household Without mommy and grandma He runs a little low In his bank account his grandma

Which is all the time I don't know how you guys pay the bills What's your rent? What's the rents a house? $1,400 okay So that's more than half our That's more than half our income immediately

Now I will say I pay this shit early I'm trying to make it work I try to make it work I'm trying to make it work. Me being me, I had a bunch of money saved up before I went on leave. You being you? What do you mean? I'm way more responsible financially except for right now.

You're working for seven years. I don't know. You only made it to 20 bucks an hour. I think, well, yeah. For DFWs, it's not a great income. That's, I mean, it's not. I mean, I'm not sharing on that. I mean, I put you in my money well enough that I was able to survive on my own.

I was good. Yeah, on your own. But now you guys have a kid regardless. With the savings account and everything, which he took all of my savings a month for the relationship. What did you take my house for? He took like six grand for me. me.

You stole six grand? Basically, like a month into the relationship. He cleared out my savings account. Cleared out. Cleared out my savings account. Let me explain. Look, let the big TYT explain. I can't be defending you too much, bro.

A month in. We only dated for a month. I'm trying to help you out here. Huh, huh. I didn't ask for all of it. Okay, so here's the thing. All right. A month into our relationship, I got into a little accident.

It was a medium accident. It was a medium accident. It was a medium accident. Was it the, no. Yeah, that was a medium accident, right? He had to figure out my check. I had to limp the car home and shit, and then later on, I went to try to get it fixed. I put it in the shop.

None of the things that I had that was, you know, insurance-wise and that was liability and not collision. I didn't get the collision until after the wreck because I tried to get the, you know, try to get the, you know what I'm saying? I tried to get that. And then. so I needed some money to get the shit off to get the shit out, the shop. So I pulled out money, you probably got some of that on the paper.

I pulled out some money. I only asked for $1,000 so I can get the rest of that out, but then more payments came in. You were telling the longest version of the story ever? I'm telling the correct version, baby. Titus, listen, with all this together, I mean, I know I just have to call it as I say it.

In the middle of the argument, in the middle of an argument about this AI bullshit, you accidentally hit her in the face. She got a black guy. Well, I'm finishing. She got a black guy. She cried for 20 minutes. He sat next to you and you masturbated to anime on an AI site. Okay, okay. So like that's the reality of what's happening in this house.

No, no, no, no, no. No, no. Let me explain what happened. I was seven months pregnant. I could not get up by myself, right? I was huge. And so I pulled up on him. The hitting me was kind of an accident.

It was an accident. Not kind of. I pulled up on him and he elbowed me back so hard. He has broken bones on me, stuff like that accidentally. Look, okay. We roughhouse really bad, y'all. He did, like, CPR me and broke my ribs. It was, like, fake CPR because it was on the bed,

and I thought the bed would, like, absorb the downward pressure. And he broke my wrist. If I let up the upward pressure, but that's not how CPR works. The fuck what you do it? Batista bobbing her out of the bed. I did find her once onto the bed. And, but I did. My backup for one.

You gave her a black guy. She cried for 20 minutes and you masturbated an AI next to her. While I was crying. Because he said I cried too quietly that he didn't know I was still crying. And in the whole process, he didn't check on me once. Baby, baby, baby. Baby, I need you to shit. But my point was, I have never cried.

A part of the argument. I'm just trying to get my shit. My point is I have never cry. I don't cry in pain very. I handle pain very well. So if you see someone seven months pregnant that you've known forever, that's legit, right. Oh, she was seven months pregnant. So the seven months pregnant, legit crying, full tears in pain who never cries when they're hurting.

Your thought process is, oh, I'm going to jack off. That's what I'm going to do. Okay. So, no, no, no, no. It should happen. So. So. It wasn't even two minutes later.

It was a fucking situation entirely, right? It was fucked up. I ain't ever hit a white woman before. Yes, it was. This was you. It was. But his thing, his thing, right? I think abuse is abuse.

Well, I ain't ever hit nobody before. Okay. I said a white woman. I haven't, I've hit nobody. I just, I just specified the category of nobody that I've hit, which is white women. I've never hit them, right? You know, why I talk about people that don't classify them as a race, Tyler? When I say, I haven't done this to someone, I don't say to a black person.

Or to an Asian person. It doesn't make it less true. That's the thing, right? Just because I specify, don't make the rest of it not true. Check it out. So she turns over, right? Like, I'm like, are you, did I actually hurt you? Are you okay?

I did all that. I did all that. When you agreed I did all that. But Tedis, this is the concern. When she was telling the story to Colton in the pre-production, you muted her phone so she couldn't finish the story. Huh? He did mute it. He did mute it because he didn't want me to finish telling the story about him actually gone. I was trying to figure out where she was going with it. Because his-

Why should that matter? Should she not be able to tell the truth? Let me finish getting my shit off. All right. So let's-let- His excuse is he had no choice and had to do it. Hey. That's what he said to Colton. That's what he said to Colton. After giving her a black eye, you had no choice. You had to beat her. It was a huge black eye too.

Seven months pregnant, a giant black eye. Time out. Time out. Time out. I understand what this looks like, gentlemen. It's all men. You're going to tell me that y'all never got boners and haven't been able to, you know,

not jack off to your crying girlfriend next to you. I've made it work. Yeah. Exactly. Into it. All she's crying next to you? Or can you hold off a wait a minute. I've been able to bring it down.

Look. You didn't, you know, you had control. Eventually, I'm going to be able to save my peace. In this whole, f***ing scenario, I'm going to be able to say my peace. Titus, listen. Look. Titus, listen. What?

You guys can come here. I just, I want you to know you can trust me and feel confident. Oh, God. I wanted to show you my collection. The search. Collection. I wanted to show you my collection. You know that you can be honest with me.

What do you mean collection? You can be honest with me. You collect. You guys have to go a little further this way. Yeah. You can be honest with me and trust me. You don't have to mute her. Mute her phone call.

This is a safe place, gentlemen, isn't it? I feel very safe, very calm. 1,000%, 100%. It's always safe. She's getting cold. Mm-hmm. Type shit. What seems to get out as this, because this is some bullshit.

Thank you. Thank you, lads. Thank you, friends. I appreciate y'all boys, man. I appreciate your boys. I didn't watch that movie, so I need to know, like... I just want to know you're safe. You can be honest here.

I'm going to be 100% honest, right? Wild and crazy. I'm going to be 100% honest, right? It was a f***ed up situation. I did check on it. I said, hold on. But, like, time was fucked up. I don't know what the difference of time was

between me checking on her and what happened was. So, like, she had turned over, right? And in my mind... In the fetal position, crying. I did not know she was crying. He said her back was... loud for him. No.

Or do quiet. I cried too quietly. Because she doesn't cry right. Like, what? What is that? What does it mean? What do you mean she don't cry right? What does that even mean?

So you'll give her a reason to cry. That's why she got the black eye. His mom apparently, because he is a mama's boy. His mom cries loudly. So the fact that I didn't cry loud enough for him meant I wasn't crying. That is what he said. Even if you didn't know she was crying, why would you not check on her frequently? After a black eye.

And for the record, he never checked on me except for the first thing. He said, oh, shit, did I actually hit you? And I didn't respond because I was holding my face, full tears, like falling, holding my face. That was the extent to check. She was not a man right. She turned over. She turned over. She's silent crying.

It wasn't silent crying. It wasn't loud enough for him. Wasn't silent. I figure she right now is afraid of me because I am going to jack off. So I don't think she wants me to touch her right now. because this is not the time to be like, oh baby, oh baby, are you okay? I'm sorry, I accidentally hit the what's all on you.

I did not mean to do that shit. He said, what's all? Like, try these. Like, hit you what the hell? Because the part of the story that y'all are going to be forgetting because what happened was, she had, all right, I want you to take your arm right here,

just grab a grip of the meat. I didn't even have nails at the time. Right? She didn't have nails, but your nails, your shit's sharp like mine. It's short and short. sharp and deadly. All right.

She grabbed the grip of the arm meat, and I didn't expect her to get up because I wouldn't not like get up from the hit. Chill. No, so I didn't expect her to try to get up, right? Even though I sat up. I sat up. I sat up.

And for the record, this isn't a new thing. I hadn't been able to sit up on my own for a while. So this is, it was a continuous thing. You didn't, you didn't want me. He held me. I was so pregnant. I couldn't get up. I'm not asking you to agree with me,

but I'm asked you to understand, all right? If something hit, if something grab you here, right? Your first thing is, I get off because you don't know what's going on back here. He's just, she just pulling you up, right? Yeah. Yeah.

Even if she said it, she didn't say it loud enough for me to hear type of shit. So, okay, so, okay, now you understand it, right? No, I don't understand. Thank you. Thank you. Thank you. Your reaction isn't gonna be. Ha!

You know what I'm saying? Bro. If it's your girl. We had just had roaches in that department at that point in time. I didn't know. At that point? I don't know. No, no.

That was after I was in the hospital. I was in the hospital for a month and he trashed it. Pause. Even if you didn't hear her crying, you know the AI issue. Why did you jack off the AI? Next to her. And not even in the bathroom. We had a two-story glass.

And you know that's her issue. We had two stories. I was in between a rock and a hard place. Chill out. No. I was in between a rock and a hard place, right? Because I knew if she did not want me to touch her because she is dealing with the thing that happened at that time.

But why didn't have to be? AI next to her her one thing. No, fuck-go, fuck-go that. Why are you playing whack-a-mole next to her while she's rolled over on the other side? Trying with the black guy! Why are beating your meat? Kyle, you're like, oh, she don't want me to touch it. It's not.

And even if he wanted to jerk off, even if it was a moment, he felt like jacking off. In the same bed? There is a bathroom. There is a whole downstairs, a living room because we lived in a townhouse. So there was top and a bottom floor. How much city do I look when I leave the room? Now, granted, I don't look great right now. It would have been better.

Wouldn't have been better if I'd just. just disappear, if I had did that and disappeared, because I knew it was between a rock and a hard plate. She didn't want me to touch her because she was dealing with all that. And I probably didn't want me to leave the room because then I looked like a asshole. I didn't want you in the room. And then just left her because I would in a whole separate conversation to begin with. And then all this confusion and psychological attributions. Because why haven't you stopped with this AI?

So this is her request. And we're spending money on it when your rent is 60% of your income. That cannot be where money's going. As simple as that. And she has left this margin. Have you almost left? I know you kicked them out. Have you almost left?

I did leave at one point. And there you go. So multiple times. And listen, I understand maybe you didn't hear her crying. Your ears are tiny. God put it all in the nose. Okay. So like, I understand.

Fair. Maybe that happens. Hey. I can't defend you. I can't defend you. It's because we both twins. Like I said, I've been saying this since I'm walking and saw you.

His nose does not look like that. His nose is different. He's got a perfect normal nose. Appreciate that. Yours is bell pepper style. Listen, listen. I'm going to tell you this, my nigga, I'm a translator. I'm here to translate her.

You listen to whatever he got to say. I can't help you. You translated it to nigger them for me. Oh yeah, I got you. You want me to do? I got you. He said, punk-ass nigger, why the fuck is you still paying for a goddamn AI girlfriend when you ain't got the money to pay for the shit?

You half your income is going towards rent, nigger. So why the fuck are you paying for the AI shit when your girl told you to stop? Nig. Brat! Type shit. Love him crazy. That's what he's saying. Okay, so here is a deal, brother.

Here's a deal, right? The amount that is going into that, number one, here's how I'm justifying this. Don't look at me. Here's how. I'm looking at you because you bought the conversation. Been there, done that. Here's how I'm justifying.

Okay. Number one, right? You get mad at me playing video games with anime girls in it that I ain't even trying to goon to type shit. All right. So, uh-uh, uh-uh. That's stupid. That's stupid.

No, no, no. Let's do a little correction here. Let him finish. Let him finish. Let him finish. You can respond. I'm going to finally be able to get my shit off for once in an argument because you never let me talk.

I'm going to get my shit off. See this type of shit I'm talking about. See this type of shit I'm talking about. Keep going with that. Go ahead. You get mad at some bullshit, right? So if I'm not able to breathe here, why I should?

Why should I? This is a road. You don't want to go down because now you're going to be embarrassed, but go. Let them go. I'm going to let him go. Keep going on that road. Keep going. Don't respond.

All right. Right. So like at what point I don't get nothing that's mine. Like, for real. Like, so like here's the deal. Here's the deal, right? We made a deal many years ago. We made a deal that if you didn't see it, it didn't happen type of shit.

Mm-mm. That was the, that was the, that was the, of the deal. Nope, it was at least try not having that all over your phone because we're about to have a child. Right. And if our child gets your phone, he doesn't need to see all over his phone. We were talking about .

We weren't talking about AI . We weren't talking about any of that. I said his whole YouTube feed ended up being AI like all over it. It wasn't, it's just anime. It's not on YouTube. You know what I mean? Like half naked anime. It's all over it.

I said I don't want our son to see that. When he's in your phone, I feel like it. I feel like that shouldn't be all he's exposed to you. Just me don't pretend you anything right now because don't you give money to your ex consistently over time? And how can we do that if literally rents is 60% of our income? I don't pay rent. What? I don't pay the rent.

Well, how are you giving them money? It's just me. What money? You don't make money. What money? Because I saved money. I told you. But you said he took all the money.

No, no, no, no. He took that at the very beginning. We've been together for like three and a half years. What's in your savings left that's being drained, sending to your ex? I think there's like a little of our grand. You met him in high school. Your ex must be so long ago. So I met him at high school.

And then we weren't dating though. We were just really good friends. Why are you giving money to your ex? Because he's, you know, he gets really poor sometimes. Bored or poor? Because most of his money goes to like weed and stuff. You guys are poor. And why would you enable that?

First of all. Why is him being poor your fault? Because we're still friends. How does that make you feel? That wouldn't make me feel. I think a lot, bro. I'll crash out. So, like, I knew this from the jip jump, right? I knew that from the very beginning.

For the record, I told him I was still friends with my ex, and he had the option to say it was a problem or not, and he said it was okay. I don't want y'all think I'm not super respectful. I asked, he said it was okay to stay friends. Being friends with your ex is different than giving money to your ex. That's a whole different thing. That's a whole different thing.

And also, if his perspective changed and he was no longer okay with that. He also didn't fully know about me giving money before we put on here. We, so. I got to be careful about the hand motions I made. because of the... Because you're abusive. Don't say that. Don't say that.

It's already a bad rap on us, bro. Don't be saying that. Yeah, yeah. Just calmed down. You know, we're good. When we had Obama, everything was going great. Man, Obama. You're bringing us down.

All right, so look. Look, okay. She really feels bad for this brother because... And he is a brother? He black? No. He is black. He's just black.

Not brother. Okay. Well, that's what I'm not. Yeah, right, right. He is black. I'm just very hard on my ars with the brother. Understood. Understood.

Only brother. And I am hard on my ars with the crackers. So, you know, I only like Ritz, Rhesus, and other shit. Yeah, you know what I'm saying. So it's all good. It's all good. We understand each other in that land. Yeah, yeah, yeah.

All right. So she must feel bad for this man because he was poor during the relationship where they were living together for the seven years they were together, right? And then for some reason, after she left because of the exact reason why he's poor now, because he spent all the money on weed and reefers, right? All that. For some reason, she'll contact her and be like, hey, man, I can't fucking eat.

I haven't eaten two or three days type of shit. Can I come by here? By the way, can you give me the gas money to come buy up there so I can pick them some of the frozen dinners y'all got? Because I know y'all got some. That was like super bad. It was literally when y'all called to do the long one. My ex showed up and I didn't tell him

and he showed up to like clear out her freezer. because he didn't have any money, or didn't have any food. You just need to say this. Look him in the eye. You are with him. I fina cut you off. We no longer have any money, dead ass on God. Okay.

No cap. Nigger. Oh, sturdis. I speak jive. Oh, good. Add that. Add that part. Not saying the N word.

Please do. That's the end. You guys don't have money. But I feel bad. I don't care. It's not your fault. Do you feel bad for your kid? Do you feel bad for the relationship that's happening now?

You guys have to take care of him, and the savings is probably the only reason you still have a roof over your head. No. What's the left in savings? Okay. Okay, so bill-wise, I pay all the bills. He just pays rent. You pay a $200 funky-ass relationship bill. I pay all of the bills.

He just pays the rent. I do all the groceries, the phone bills, everything, even though I'm not working for the record. I have like around two-grimings is going down from where? There's about two grand, I think, in there now? A grand, two-grand. Where did it start? Um, before it started going down. Like seven.

Okay. See. I think it's going down. Over the court. Seven to two. Over how long? Probably since I've been out of work, so. So six months?

So six months. So at this, okay, seven to two and six months. Before that, that's when the baby was born. So actually is a year. No, because I was still getting maternity pay. That counts. You have three months max until savings is zero. And then you guys might be on the street.

So, but I, okay, so I'm trying to get a, And that is not bussing. I'm trying to get it for the record that wouldn't happen because his mommy pays this bills. But for I, I tried to buy a new computer, right, so I can start working from home. My computer died. So I was like, I need to get a computer so I can work from home so I can do all of the, so I can do all of the take back over the finances. Because before that, I fully control finances. So I was like, I needed to get a new computer.

I saved that money for a computer. I had it dedicated for the computer. He got his car towed, couldn't pay for it and made me pay for it to get his car. towed out of the tow yard and then dropped back to our unit and then still ended up losing the car to the tow yard because he wouldn't clean it so he can sell the car. Okay, fine.

Yeah, complaining about your current guy, but your last guy is asking you for money for food one to two times a month, K. Two, two, two times a week asking for food. But he, yeah, not food, just money for gas. Money. Not food. Food is tangible. Food is real. Food is a real. Food is an item that can be

traded for goods and services. Sometimes. Sometimes money. But, you know, I'm reliable is sometimes, though. You've got to cut this dude off. You can't do that. You don't got no money.

I don't care that he lost 50 pounds. He looks better at the crackhead. He doesn't. He lost a shit ton of weight because he hasn't eaten. Okay, are we putting our current family insurance or R-X? Come on. Answer it. Come on.

Where are we? I feel bad. We were together for like seven years. I don't care if you feel bad. You should feel bad when in three months years a savings is zero. Rent is 60% of our income. There's a lot of paperwork here, so I'm about to jump into the finances. That means we could be homeless because the minimum

the payments might be egregious. Come on. Yeah. You guys are both. No more money to the X, no more money to AI girlfriends. First of all, tomato and also tomato. Check it.

Like, my spendance, my spendance is pales in comparison to what she. Not on subscription. I got you. I got you. Nigger fuck all that. Stop paying for the goddamn AI girlfriend.

You don't have no money. It's $10. I don't give a $10. You know how much $10 adds up? For how long you been doing it? How long you've been doing it? I'm my guess. Not to stop, how long you've been doing it?

We ain't trying to guess. How long you been doing it? 10, no, look. I only paid for it. You said since the launch. You said since the launch. No, no, no, no, no. 10 dollars since the loss.

For four years. I understand. Free services exist, right? I only paid for it to up the quality, not the quantity, no, nigga. All right, that's the only thing, right? So like, so like the, so like the, when you, when you started, you get all the free shit, right? And I did the free shit for all, for all those years that we're talking about. Nice.

I did the free shit. But here's thing. Here's thing. Sometimes the quality don't match the quantity. So sometimes you got to, sometimes you put $10 into a pool. Guess what?

Guess what? You know what you can sometimes do? Not do the AI girlfriend bullshit. Niggas, stop paying for it. Dennis, you were kicked out for a week. What we're doing? She's thinking of leaving. Come on.

At what point. It's not people, guys. But she's done. It doesn't matter. Okay, it doesn't matter if it was a boundary, in my opinion, and it doesn't matter. Like, I was like, a beginning of it, you know, everyone got the wrong fetish.

whatever. In the very beginning, if you have a boundary at the very beginning of the race, like before you get into it, one month in, found out about it.

If I set up that boundary, it should matter. If I'm like, hey, I consider this cheating. I don't give a shit if you do or not, people consider cheating

to be different things. Yeah, that's her. If I did, and if you're choosing to be with her, you're taking it on. If I didn't understand it, it doesn't matter. If you don't think it's cheating

or you don't think it's real people, it was a boundary. I made the beginning of the relationship. That's all that's matter. I think it is. If you made the decision to stay with me, you agree not to do it. That should be, that should matter. What do you guys think your household financial score is 0 to 10,

zero being the worst, 10 being the best? Raise your hand. If you've been putting off a doctor's appointment, be honest, dental cleaning, annual checkup, that weird thing you Googled at 2 a.m.? Yeah, my hands up too. And thanks to Zoc Doc for sponsoring this message. Because here's the problem.

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That is Z OCDOC.com slash Caleb. Zockdoc.com slash Caleb. Thanks Zock doc doc for sponsoring this message. Let's get back to the podcast. Summer is the perfect time to get your budget in shape. And now that DollarWise is officially the best budgeting app on the market, I'm giving you a special deal to download, but only for a limited time. When you sign up for Dollar Wise annual, you'll get my four course educational bundle as a special bonus.

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Don't wait until your first vacation to try to get your finances together. Go to dollarwise.com or click that link in the description below. Bad sound. I'm like a one. No, probably less, probably zero. No, it can't be zero because we do some, we have some step towards the right of the right. I'm going to say four and a half to four.

No, it's going to be zero. Okay. Out of ten? Out of ten? Out of ten, we call it four. If you watch your hammer financial score, get it for free at Calebhammer.com. Just takes a few minutes to fill out. See exactly where you stand in the world of money.

Again, Calebhammer.com, that is free. and if you don't want to be like them who ends up on this show, you'd know where your recurring charges are. You'd know where all your money's going. Oh, yeah. If you downloaded the Dollar Wise budgeting app, with that, there's a free trial to see if you like it. Most people take the annual version because it saves a lot of money

and you get my personalized physical 30-day meal plan detailed for every snack, drink, meal for a whole month that you can use on repeat and my digital version of my cookbook. I'm signing that thing and I'm mailing it directly to you. Sign up, download Dollar Wise. Click the link below. Go to Dollar Wise. Okay, okay, I want to go to this in this Amex that your grandma might be using or something.

But like, when would we even talk about personal finances in this house? How do these conversations go? Because this has been chaotic. Okay, so we don't really talk about it because I don't, I'm not allowed to know his finances half the time. He knows everything I spend on. Like, that's what the thing is. It's not allowed, you just don't ask. Oh, you don't ask?

Well, you don't ask. I do ask. And I figured out that's when I found out he has like. Wait, we didn't. I gave you that information freely, dog. Because he didn't know it was on there. He has... You can't even agree on whether or not she asks.

I do ask. You don't ask. And we, I've tried to sit down and make budgets and he's like, oh, this is all I have. And then when I went to come on the show, I found out he has like multiple things that he pays for on Google, multiple YouTube subscriptions. Just because I forgot about him doesn't mean I lie. Multiple Patreon subscriptions. It didn't mean I was lying on the high. I just straight and forgot about him, though.

Yeah, he forgot. Yeah, I forgot. I got the 80s. He has an Xbox subscription that he never paid to you. When you have the 88s, sometimes you just don't remember shit. Sometimes I put sometimes I put sometimes he's spending money on some Patreon accounts and shit And you forget that you actually had the Patreon account because bleating off the phone and then It's not even that much it's like two dollar five dollar six dollar type shit

It's not even like okay They added it up when I finally got it it was like three hundred Okay so when you've asked when you've asked okay he doesn't agree How does that go? I pay rent and gas That's what he tells me he says all I pay is the rent and I pay for gas when it's still had the gas And I end the one loan that I told you about I tell you by every time

You guys actually just have no clue what that's you guys actually have. I don't know what I have. I know what I have. He knows what I have. Well, guys, are we not getting married? That's insane. I don't know.

I told him no. That's one of the leading causes. Then you said yes on the table. That's one of the leading causes for divorce in this country. Finances. I mean, look. Okay. Single mother.

Single grandmother. You want her to be a single mother? That's not fair to your kid. I don't. I'm trying to work this out. That's half the reason why I thought we were here for. Okay. When you've tried to work it out, tell me what that looks like.

He didn't even want. I'm not come on the show. If you got me, ma'am, you did not ask? I'm just saying you didn't even want to be on the show. You asked me. Go on? Let him. All right.

Chill. Okay. So, I will go off the money I know is coming out because I look at it. Okay. So this is, I told her about, I told her, that's crazy. I told her about the YouTube subscription. I told her about, I did. It's a necessity.

We all agree that it is. I told her about the YouTube subscription. I told her about the memberships I was in on YouTube. I told her, I didn't tell her about the page. Amar Ali? Who? Hamer Lian. He didn't even watch your show.

No. It's literally the best and largest one on this platform because we got three shows every single day, six days a week. He's like one of the, he's the head producer on that. Come on now. It's the best. It gives more than any other YouTube membership and you're not even part of that. You're paying for the others. What's wrong with you?

And said dollars for the AI group. Grab so petty. Yeah, come on. Anyway, I told about that. You could be jacking off to us three times a day. Instead of AI girlfriend. Wild and crazy. Please stop.

Please don't say that ever again. He's got a baby face. He can. I do. Yeah, he too. Especially that one time he went and shaved, and you liked really fun. I've watched your show a while.

Was it bad? It was so bad. It was an accident. It was so. It was an accident. I was like, normally he's pretty okay looking. This is bad.

It was an accident. He shaved whole shit off. Who do I need to pay? I can get you like a Sharpie to connect that up for you if you need me to, dog. Like, I got you. If you need me to, you can get crispy like this. You can get it like that.

He's basically saying he could draw a hair line for you. Yeah. And then, you know what? Over time with enough prayer. A little rogain. A little rogain, we can get you straight. Crispy like me. It's all good.

You said you've tried to approach the subject. The A-D-H is crazy. It makes me forget things. All right. So I told about the little thing. YouTube, the note is coming out. I told about the memberships and YouTube. Those little, that little funky $10.

I know that are coming out, right? I told about Xbox, even though I didn't play it for a year. I knew that's coming out. I didn't know they increased the price. That's on me. That's my fault. That's my fault. They're lowering at them.

They're lowering at them. They are. It's like the only subscription ever that's getting lowered. Yep. Xbox Game Pass. Oh, shit. So. Keep going, sign.

All right. Later. So tell them about that. Thanks for that. I did not tell about the pageant because I forgot. about the patient. I told about the loan that I was paying for. The net credit loan. I told about the $80 that was coming out of check on that one. Right? I told that I was coming out. I told about the car insurance when I had the car. It was like $270 because I keep up cars.

There's liability. It's just liability. It's fucked up. How does this world function like this? I don't know. But anyway, totally that was coming out. Did you tell her about cricket? Who? Cricket wireless? What do you mean cricket? Did you tell her about your cricket wireless? Yeah, his mommy pays his phone bill. Yeah. They'll see you soon. No, they won't. She'll keep paying it. Okay, so you're telling her your bills. I'm telling her the bill.

Big, big, big, small leg. I'm telling the bills, all right? I told all the things I know about off the rib. I'm not looking at my shit as I'm telling you. So I don't see the extra shit that she saw when I sent her to bank saving to be on this show. Okay, I didn't see that. Okay. So that's why I feel like I'm being honest because it's not, it's not lying if you forgot straight up.

This is all lying. For the record, this is all. lying. He didn't tell me this. How do you guys want the household finances to look like? Better than it is now. No, no, no. But in like what structure with combined accounts or what? I'm going to end up taking them over. Because for the record, taking over is different because what if he doesn't want that? I don't know. What do we want the household finances to look like in terms of I do not mind sending whatever money I need to cover my side? He wants me to take it over. To her as long as they got my little shit on side, not for AI business, but for personal shit.

Okay, what about different though? What about there's one? there's one joint. Your pay goes into it. He got denied. Stop, stop, stop, stop. He got denied for a joint paying account. He did. There's many.

There's many more accounts we can look into. I tried. He got denied. Even still, we'll work on it after he cleans up his shit. Everything goes into joint. And then that is where all the main things that we know we're budgeting go out of. And then we decide whatever fun amount is a lot in the budget goes to hit his individual account

and goes to your individual account. So he can have his fun. And you can have your fun. Now, I don't think I would still do the thing that she said you can't do, but even still, even still, are we okay with that? Instead of you having to, like, transfer in and it gets all weird, we transfer out and use our own personal accounts for fun. Okay, so that sounds wonderful. Okay. That sounds excellent.

Good. Here's the issue. You know, as she has said, I personally have gotten a slap down on making a joint account. for some reason, something about my credit. It's not just, okay, God. Is it not just me? No, finish on. I won't talk about the budget because he lied about all of the budget.

I did not lie about the budget. No, he did. I did not lie. So, for the record, he did not, whenever we did our finances, I was like, his mom said, you need to make a budget. I'm tired of paying your room for you. So I was like, yeah, we need to sit down make a budget. I wrote down every bill I pay.

I pay all of our bills. I pay the groceries. I pay the, you know, the apartment insurance. I pay the light bills, everything else. I pay everything that you do. need to make a house from besides rent. That's all he pays. On his side, I had all of these.

On his side, he had rent, how much he does in gas, and his loan and his car insurance. And he said, that's all I pay. And then we took his bank stamp. And then he's like, oh, yeah, I forgot I also pay Xbox. Oh, I forgot I also pay Patreon. That was only when we got on the show, though. Don't let him pretend he did that in the budget because that's bullshit. That was put into Google ones are bullshit, too.

Didn't tell me anything about Google ones. until I pulled his bank statement and saw it and was like, why the fuck do you have all of these? Because his thing didn't know about the Google one. You literally just said that you told me them. Like literally just said it. YouTube and Google are the two separate things, but they run by the same company, but they're two types of things.

No, no, listen, all right? Here's the problem. Here's the problem with the statement he made, right? I thought I already canceled the Xbox one until you looked at the paper. That don't mean I lie about it. Who doesn't look at their bank? account. Who does look at purchases? I know everything in my bank account. I know what comes in and out of my bank account every month. I do. I'll ask you. You can't. I look at my bank account. You better know to the dollar. Listen, on this MXCO, 2,791, your grandma opened it for you? Is it in her name or your name or joint or what? Okay. Uh, right. America's place. I don't even know what that is. She don't even know about that. Uh, because I, okay, let me explain. So when I was in college, I live with my grandma. My grandma was like, oh, you need to build your credit. So she got me at Amma. And

A MX card and I just kind of let her have it because like I'm not going to use it type shit like I wasn't And so I let her have it so she can do whatever the hell she was doing to build my credit and it worked for a good bit because that before I got into that for that second car wreck We'll we will talk about that when we get there then through quite a few It was right. What are you doing? Okay, whatever you're driving like What I'm sorry? Keep going. Chill. I got us here didn't I? All right. I got the extra protection on this rental car. Oh, really? Yeah.

You didn't even tell me that. Anyway, whatever. So, back in the thing. But I'm moving anywhere, she was like, here's the, here's the card. I'm not going to, I'm like, I'm not going to use it. You got to use it sometime or sometime to build your credit. And I was like, you got it.

And I said, and that's what, I didn't know that they had a balance on it. I didn't know it. I forgot it existed until y'all started talking to me. about it, I don't look at my credit report. So it wasn't you, it was your grandma? On the American Express? Probably. But she was also supporting him

while he was in college. Right, but she's keeping a balance out of college. So you're not having to pay this. She's paying the minimums? Yeah. We don't know for a fact. I have actually not. You didn't even know this existed.

How can you do that? No, but she's, I know it. She's not paying on any of his credit cards. Can you get me into the, are you in the app? Are you in the app? Are you just like we wrote down information? Are you able to pull up the app of the Amex? can even see what's happening in there?

I guarantee you with how much money she gives them a month. If there was only that little of a balance, she's not paying it. No, no, no, minimum. Minimum monthly. No, I know what you're saying. I'm saying if there is a balance. Is that on your credit report? There is no way.

It was, I think it was on his credit report. Yeah. You have your credit report for me? Yeah, it's shipping. I send him. You send him. Can you try to find that in there? I need to figure out what the minimum is.

Is it being paid? So we'll go back to the Amex. Well, you're getting cash advances, best. I do. Okay, so this isn't all him bad. You're getting, No, it was him. No, no, no.

It was because he couldn't pay rent or things like that. But you have savings and you're giving all your savings to your X for the past six months. It was in between. So I had, like, when I was on maternity leave, there was a good distance where they weren't. I had to go on, I was high risk. So they weren't paying. I had to take like a four-month maternity leave, five-month maternity leave, something like that. And they took like three months.

to start paying me my maternity leave. So this was even before all of that. Okay, either way, you had savings, right? No, because he wasn't working, so I was paying all of the bills. Oh, okay. So he had to have gotten fired again. Well, when was this? Because you still owe $2,545 and your cash advances.

Do you have minimum payments on them? Or are they fully drawn and you can't borrow anymore until you pay on them? Like what kind of care? I think they're all fully drawn. Okay. Are there minimum payments? I think they're supposed to be, but I don't think, have them come out.

I think they've just like... Can you pull them up so you can find the fuck out? I couldn't actually... I can't build a budget without knowing your minimum... payments! I don't think like they actually have... I think it's like a pay in full. I don't think they're minimum payments anymore.

Okay, that was my question. But they're not on my credit report. Maybe they will be if they ever sell them off. They just probably haven't sold them off. They just know that you want access to them and you can't take from them unless you pay on them. Yeah. Probably it. Yeah.

Yeah. Mm-hmm. But was that the one? You're not going to knock up a white bitch, right? They're so annoying. They're the worst. As much as I may or may not agree with you, I cannot let it stand.

You know. Oh, you guys weren't involved in that conversation. This is between me and my boy. No, no, you know, I love my snow bunnies, though. You know, you know, I love them. But listen, but I get the smart one, though. But don't knock them up is what I'm saying. That knocking up was and I'm not.

You're right. You're right. Exactly. That's what knocking up is. I know, but I was told I couldn't have kids, like by doctor. Oh, that's what I said to everyone. No, like, legit. I had a bunch of surgeries and they said it would be impossible for you to get pregnant.

And, like, even me and my ex, the one we were together forever, we tried doing fertility, everything. That nut is trained. Magic sperm came up in me. That nut is trained as a sprinter. It is. I like, we were so shocked. I have a magical leftward curfew beans. That's all I can tell you.

They were like, there's no way you'll end up pregnant because of we tried fertility. We tried everything. They're like, with all the stuff you had done, it wouldn't happen. And then boom. That means you healthy, though. We also use, like, protection and we're taking precautions just in case. Dude, that. Miracle baby.

You've read with the wrong one. That shit is absolutely trained to sprint. Huss! Huss! Huss! Huss! Huss! I mean... He was training running from the tigers, the lions. Then he was training running from the slavers, then training running from the plantations, then training running from prison, then training now running from the police.

least that shit was training running from all the way straight to the gig. Yeah, you know, hey, 50. It was prepared. It, that was its entire evolutionary purpose. My ex was black too. Look, okay, you have a type. Congratulations. Hey, listen, babe.

No, I did a lot of people. What, you're racist? What are you racist? I've only dated two black people. Okay. Okay. I date the rainbow. I'm not, that's not really a type.

Look, only 15% of my sperm got to 50% of the ovaries, all right? So we're just going, we, we're just going to accept where we have. Listen, the Amex isn't good standing. It's $88 a month minimum. It's set up on some auto pay. I do not know if it's you. It's probably grandma. Yeah, but maybe she set it up on yours because she's so involved.

I don't know. Or she's paying it. But listen, I will, I don't know whether or not to include that in the budget or not. Actually, I will say let's include it in our budget. Maybe it's time to go out for the first time in our entire lives. Okay. Run it. Run it out.

Run it, run it, run it. Add it if you want to. Net credit. Who is net credit? That's me. Net credit. At least you know. That's the one, that's one of the two I know about.

So the net credit one is what I took out to pay, to help pay for the repairs to the car and the second car wreck that she's talking about. Why did you get in a car crash? So, I was just on the way. He was playing on his phone. Hey, how about we let me tell the story since I was the one that was there, and not you. I didn't wait a what? He was on its phone.

No, no. Anyway, don't listen to her. She wasn't there. She don't know. I was on the way to get it maintenance. which is the ironic part, Lord. If we're going to live in the world of irony, this is where we live in at. Okay, so I was on the way back from getting it made, and they told me it was $150, I said,

that, and I left down to the long road. It was a long highway. It was like one of those things in the grasslands where, like, you know, the grass is so high, you can't really see around the corner, you just know that the corner exists, right? And so I'm driving around the corner. I look to my left to see if I can change lanes and get over. There is a stoplight or whatever they call it, traffic light. Yeah, it's following the law.

Yeah. Hold up. We're going to get there. Okay. All right. I can see the traffic light. I can't see like the road because the corner is so, in the grass is so, right? And so I look to my left trying to change lanes.

I'm in the far right lane, looking to the left. I'll go from this to this, right? I see the traffic light's green. I'm like, we're straight. We're good. I'll go from looking to my left front. Truck still stock still for no reason. Just right in front.

front of me, right? Stock still. I'm going, it's a 70 mile-on-hour highway, all right? I'm going to speed limit. I'm checking my mirror. I'm doing everything I'm supposed to do, Lord. And then, you know, all I could really do is say, you know, the S word, shit, and then hit the brake hard.

You know what I'm saying? And then that wasn't hard enough. Smack in the back of them. They were, they were a little bit upset about it, but, you know. Oh, were they? No. Okay. There's a teenager.

She got hurt. She didn't get hurt. Your net credit is, you haven't paid for it at all. No, I paid it. 2025 was late every single month. Not missed, but late. Yeah, here's the thing, right?

So that was probably at that point in time where I didn't have, yeah, I was, that was probably at the point in time where I didn't have a job and I called him, I told them didn't have a job. I was wondering if they could defer it for a little bit until I get the job and I started work. That's when I, right before I started working on Amazon type of shit. And then, um, yeah, type shit.

Um, indeed. Um, so. Oh, that's a, that's a jobs website. You don't go on that. No. No. Oh. Oh.

No. He doesn't even apply to his own jobs. No. Guess who does it? Hey. Who? No. Hold on.

Hold on. We ain't gonna let her do this. Rural allegations. It's not allegation. It's true. His mom applied to his jobs. And I applied to his job. Sometimes.

Not all the, His current job, his mommy got him for him because he wouldn't get a job. That's just because my mom's friend. I applied to the job, myself. I did that, right? It's called networking, cut. I will get you a course career certification.

Thank you. This is a class. Many people in the audience have taken these certifications, converted them into six-figure jobs, either with raises to their current job or changing their jobs. I'll get one for both of you. And I just want to reiterate

because I know I'm making lots of jokes here in this episode. I want you to know that I am a supporter. I'm a good man. Today we are supporting black culture in this office. we are doing a fat and fatter episode of Burger King. Yeah, yeah, yeah. What does that have to do?

Wait. What does that have to? So I just want you to know that. So is it both the guy? What the fuck is. I, as a supporter, also will not be putting on the Burger King crown. I promise. I, uh, but branded, well, he's the racist.

So. Yeah, that is true. That is true. You'll be shown a airport. Why is that racist? Is that racist? I knew there's something wrong with you. You haven't seen the, you haven't seen the, you haven't seen the people with the, you have a baby.

I have a baby. I don't know. Burger King crowns in the, You never seen a Burger King? I know. I know the crowns, but I don't know what it means. At an airport, on an airplane? No.

Burger King? You don't know what the crown means? No. It's the king. It's the mascot. I know. I know what the crown is. I don't know.

The little paper one. Yeah, I know. But why does it make you racist to wear it? Okay, that's a racist thing? Yeah. You say that black people work at Burger King. No, no. Yeah.

Never mind. They're just, none of them are getting there. And Mexicans work at Pop-in. You guys never seen the video of the guy wearing the Burger King hat on the plane. Was it racist? Oh. Like I literally have a baby. That's what my time goes to.

I'm going to be so for real. Either way. Listen, net credit. Okay, so it was for the wreck. Was this just the tow or was this just like the repair? That was a portion of the repair. And then my savings was the rest of the repair. Okay.

$1,500, $12 second wreck. No. He said this was for the second. Same wreck. Two different times I had to go to the shop. Yeah, I had to go to shop again because the radio they said that it fixed because I was paying out of pocket, right? The what?

Radiator. Radiator. He said the radiator. He said the radiator. Blackness, right. Undersed. So, look, I smack, right? Smack in front of the vehicle that was in front of me.

That's how we were in the work. And, um... You were taking back shots, yep. I was giving it, technically. That's good. He takes him to. No. What the fuck?

Nanny. Whoa. Don't say that on live. That's crazy. That's not true. It's not true. Chill out. I don't know.

I don't think that. I feel like if that wasn't true, you wouldn't be so defensive. Yeah, I don't know, bro. I don't know. You'd be tooting that thing up. Hell, no. Hell no, this bitch. We ain't going to try it.

We ain't going to talk about it. All right, we ain't going to talk about it. All right, we ain't got to talk about anything. Don't. I'm sorry to air his personal information. He totally doesn't take it as gas. This lady is the craziest lady I've ever seen in my life. She just says lies.

That's fine. She just says lies so easily. Nat credit, you owe $1,512, with a $174 minimum payment. But for the last year and a half, you're late. every single month. Why are we late? Why are we late? So there was a point in time where I didn't have a job because you, all right? And so, and so multiple times for the record. I missed

some payments on that, on the back end there. So, so I talked to them, right? I called them on the phone. They, uh, easy pay, what's up? I said, hey, can we defer it a little bit so you can help me out because I'm going to pay you? Okay, okay, I'm moving on. Because this is blowing my mom. What? Your mom's not

helping you. Your mom's threatening to sue you. She loved me. She ain't going to do that. But um, what, what? Because he owes his mom and grandma so much money that she got pissed. It involved, okay, so the night I found out. How it is! The night I found out about him doing that with the baby, I called his mom and was like, I'm going to leave your son if you don't do something.

I swear, I'm going to just leave. I'm so tired. And his mommy's the reason he stays when I said that because his mom gets on him all the time. He loves me too, but, you know. No, I'm sure. But his, I called his mom, and she came down here and she was like, I am so tired of you spending it on bullshit. I'm going to sue you for. all the like seven, eight grand you owe me.

Shoot. Hold on. And then put all of this, I'm going to put all of these child protection things on your phone. Oh, do we not say that? Yeah. No, no, no. You're right. Yeah.

That you were going to censor your phone, like with child protection, so you can't do anything. And if you need a borrow money or you make your grandma who still borrows money or he still takes money from. Yeah. No, no, no, no, no. That's not the same thing. She's going to sue him for all the money back because she's so tired of dealing with it. Look, okay. Look.

I do not ask most of the, okay, so I only ask Mama for money in the cases of emergency. Rent is due. They put the red note on my door. Every month. Nah. But like, not really. Not really, but sometimes. Sometimes

bullshit happens where I miss work. Sometimes, and I'm living check to check, as you probably is seen. Well, yeah, I want you, I want your mom to cut you off. The thing is, also, without her working and with you only making $2,400 a month in that, even when she, like, there's no chance of being able to afford life. And for the record, he said he doesn't, he doesn't ask his mom for money a lot.

It's different. He asked his grandma for money when it's small amounts of money, when it's large sum of monies is when he goes to his mom. So it's not like he's not constantly barring money. And your mom is correct in this. She said, quote, if you have money to pay for your little subscriptions, then you should be paying your rent. That's fair.

That's fair. Okay, it is fair until you understand that the actual amount of money of the prescriptions is non, what's it called? It's not, it's not, it's still ain't going to clover the gap. So, like, it's, it's like less than how much I would, oh, let me tell you something. So, I make my little $1,200 on the check, right? Which is that? He makes, he makes $1,200 on his check when he gets a.

Oh, check. Yeah, yeah, yeah. I don't, not on, anyway. I just didn't understand. Keep going to figure you out. I thought I figured you out. I don't know if you're smart or, or, or, you know. I just couldn't understand.

He thinks you're slow. No, no, no, no. You don't talk like normal people. No, no, no. And I am pro this. I have a specific policy. I told Tyler that I do not want him to code switch here. Yeah, yeah, yeah.

Specifically told me about the code switch. It took some time for me to get, I can't say it. It took some time to get it. I'll say it for you. It's his name. She had to get the nigginez out, all right? It's called Titus and ease. There we go.

It's Titusines, all right? It's the way that Titus, me myself, the young TYTYT is not just me. Where are you from? Let's see, I grew up in Keller, Texas. And then... So Texas. He's from Texas.

Texas, Texas. I'm being told that's the whitest place. It is. It is. But I went to college in Pine Bluff. Therefore, all the black... That's in Arkansas. H-S-A, HBCU type of...

Pine Bluff is a very dangerous area in Arkansas. Very black. It's super black. 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 who would have thought that's incredible check it out link in the description below and don't forget I want you to be on the next episode of financial audit so go to calebhammer.com slash apply or click that link in the description below you'll have a great time and I'm going to roast the fuck out of you. I got re-indactinated,

I got re-educated, and I understand what I'm like, you know what I'm saying? Understood. No. Listen, bro, I'm going to talk to you from somebody that loves their mom, bro. He'll get into the finances and stuff,

but you got to make your parents proud, but you can't keep taking money from that, bro. Don't speak, don't speak. Like, real talk, it makes you look real bad, bro when you keep taking money from your mom and your grandma, bro. You got to cut that off, bro. You got to start paying that shit back,

bro, and you got to stop, bro. I don't care if you were down, you know what I'm saying? But, like, you owe them so much money I understand. It's getting real bad. I understand. And you keep saying these little subscriptions,

you keep saying $5, $10, $5, $10. You add all that shit up. And it counted in a year, you're spending a lot of, you're spending a lot of money on these small things, bro. That's like if I go to 7-Eleven every day and go get a pack of Reese's every single day, that's going to add up.

You don't? I don't, nigga, what the fuck. I make money and I save money. You feel me? You got to do the same thing. You got to stop spending all these goddamn subscriptions if you don't got the money for it, bro. What are you doing?

Allow me to... Black and black crime as always. This is really what we need in our community type shit Let me actually He's got the mindset of like a toddler Hey, hold on, stop Give you another black guy, careful Ah!

Okay, that one hurt my spirit, Lord. Okay, let me explain. Let me explain something, right? The fact I still have a joint account with my grandma is not, it's like, it's not like something that I chose necessarily, right? What it happened was, what it happened was. It doesn't matter. Dude, your mom has cut you off, correct?

No. What? I have a note that she has. No, she said she would. Okay. I told you she loves me. She ain't going to sue me, but like, his thing. The note I have is she said she's not helping anymore,

and she said if she sees him begging grandma for money one more time, she will make sure that lawsuit happens. Guess what? I don't actually beg my grandma for money. My grandma just looked at the account like, hey, baby, I see that you low. I put $50 in there for her. I didn't ask for the shit, but I don't know what to do with it.

Who has this collections? These two collections. That is probably me. Daschew? Okay, well, you're letting things go to collections. That's not surprising if you're not paying on things, man. I'm pretty sure everything's him except for the cash advance. It's all him.

Well, that's not good either. Cash advance is a bad trap to get into. It can be a valuable tool, but out of his trap you're getting in. I had like a too much. month old baby and he wasn't working and I was trying to pay everything by myself. Yeah, you should be a father. I'm just saying that I didn't have a choice. I literally had

to take it out. Okay. I have zero confidence in the future of this relationship because you were literally about to leave and then you literally just found out you were pregnant so you felt like you were forced to stay. That's what you told Colton. That was true.

No. How does that scream this relationship has any longevity? You are forcing to trying to make it work. Every point in time when we have a baby now, like what am I going to do? In the most emergency situations, when you have four or five kidney stones at the same time at the same time who was with you, it was me. I walked you down them steps as you was crying and crying in my arms saying like I was in pain, right? That was me.

I got a kidney stone. You got several, several, right? I'm the one you lean on for this. He's like the biggest narcissist in the world. It's not, it's not me being a narcissist. That's me actually doing this shit I'm doing, right? Yeah. So, like, I do, I do, I know I know I got my first.

flaws and shit, but I also have my good, I also have my good side too, right? And you see that. You see that. You see that and you love that and you want that in your life because every other nigger was with you what happened. What on it? I say, I'm not trying. I'm not trying to put you on glass, but I'm just being real. My eggs for the record wasn't even bad. He just smells a lot of weed. Hounds of weed at a time. Brother, you and I both know that that is a lot of money to be spending when you can't eat. That is a lot of money. Right? I spend mine on video games and other little side bullshit, right? I just spent on the AI B-B- You know, not weird.

I just use it to jerk off on a daily. Hey, what's more money? $10 and $10,000? What's we talking about, man? What are we talking about? What's more money? I'm saying. And I've apologized already about the AI thing.

I'm not doing no more than likely is. We already know. He's not. Who knows? He more than likely is. Let's be real. I'm not doing it. How many times we've been in this fight where he's like,

I'm not doing it and then find out he still is? He more than likely still is. I'm not, though. I'm not. I have a car loan for a car you don't have anymore of $17,031. Hey. I guess what happened to it? Is this not the second rack?

So this is the first ring. How'd you do what? Okay. All right. So in my life, I've been in... A lot of car accidents. Foe. Foe.

Foe. Yeah, that's one, two, three, and also foe. And what happened in this one, right, I'm driving down the long road. I've worked from 10 o'clock to 11 o'clock. at the pharmacy. I'm in, I'm in deep Texas, whatever, wherever the f*** was, where it has a long two-lane highway. It's really country. Yeah, real, yeah, real country. It's a long two-lane highway, it's 11 o'clock at night. Bambi, ho-ass, I hate Bambi, hey, Bambi, I hope, I'm glad. Bambi, a whole ass, come across the street. I see this last second, because I'm sleepy.

You want to know why I'm sleepy? I work to 11 o'clock. So I see this last second, so I move this way, right? That little motion had me catch this concrete. whatever the fuck, little, you know what I'm talking about, right? Median? It's not the median. It's on the shoulder. Curve. It's not even a curve because it's the country, remember.

Country don't have curve. They have grass and they have not grass. And so I hit the, um, I hit the thing. The thing that drainage is. You know what I don't work? Wait. It's right. It was because the deer came out.

Flip the car eight times. Flip the car eight times. Didn't know it was eight. I thought it was one. I counted one. You have a minimum monthly payment on this. I assume it's fun. Ha!

It's in collections? Ha. Because we couldn't get info on it. It's in collections. He quit paying it. Yeah. Who the f has $73,458 in student loans? I didn't even know that.

Who? Him. Titus? Yep. For what? Huh? Who also got financial aid and various other things. Okay, let me talk about this, okay?

Because I didn't even know. I didn't even know this until I saw the report. Really? Yeah, so. Federal? Is this federal or private? Who knows? Um, it was before we were dating.

Oh, it's to the next page. Oh, you have the problem of education. They are going to garnish your wages if they're not already, and they're going to garnish extreme. I think up to 25% of your income, and you can't afford 25%. They're going to garnish up to 25% of your income. They will take it. It'll go to default.

They will take it. It's in needs attention. It's about to be in our territory. It's the government. They don't f*** around. They can get in your bank account. I didn't even know. He didn't even tell me he had student loans.

He didn't know until this, he said. He didn't even know. So my mom sent me up for several loans when I was in. He sent me up for several loans as I was getting geared up for college. I thought I wouldn't have to pay it. What degree do you have $14 an hour or 15? What degree? Communications.

Mass communications. No, you got one of the women degrees. Yep. I don't go lie, bro. You was supposed to do this. Listen, dog, I got the same degree. What am I doing? it now. You're doing better than me.

He's communicating. I do sports I got one in sports broadcast. That's the thing I want to do. You're not making money in sports broadcast, bro. Not? No, bro, because all you're going to do is free, free internships, and that's it. Unless you know somebody, you're making minimum wage. And the audience has to understand what's being said.

So fun facts. So if you're working broadcast, they're not making your money there. I know somebody in the industry. This is fun to bring out. I know somebody a friend who's on TV. I'm not going to see who it is, but he's in the industry. We're friends He got braided by him He's married He has a beautiful wife

But anyways I talked to him And I was like Hey My boyfriend really wants to get into this industry It was one of the time He lost his job And he was like yeah

I will totally help him out Have him message me Hit me up And like I'll see what I can do Never messaged him Never took the time Nothing And I was like

I literally know somebody In this industry He's huge Never messaged him Never took the time Nothing ever That was like Two years ago

I was like Don't message him now because he is going to see no point because you have that opportunity and you threw that shit away. What do you care about? That's the only way you're going to get into something like that. I was like, dude, I know somebody. I didn't know that's what you were into. I literally know somebody.

I can help make this go. Did you get your degree? I did get my degree. That's good. Congratulations. Yes, thank you. Thank you very much. I deserve it.

So what happened, right, I was focused on getting the right now job, right? And she gave me that. I'm still in the no-job scenario, right? So I'm focusing on, like, semi-applying, like, this is at the point in time where she brings this man forward. What does he do with this degree? Nothing. It's literally all you can do is internships, and if you know somebody, you can get in. That's pretty much all of it.

Then you just have to use having a bachelor's degree to get into something. You've got to do better than now, man. You got to do a certification change with course careers, because this is just brutal. It's a brutal. It's one of those women's degrees, like communications, psychology, all right? Art. Mass communication with broadcast journalism. It's not just communication.

Mass communication, broadcast journaling. Well, then you should have a job if it's mass communications. It's at a communication. Especially when you had an opening to somebody who was willing to bring you on to a national television show. The one thing that also makes that degree really bad is that it's so broad that jobs don't like you because they don't know what you're specifically good at. They just know that you're good at a lot of different things. So it just knows that you're not going to find something specific unless you know somebody. And if you had an opportunity to know somebody and he didn't take it.

that opportunity. What are you going to do? And the worst thing, like, it's like, what are you going to do? Like, if you had somebody come on here and he was like, hey, Caleb, I have all this experience and stuff and, like, or my friend does, and they don't message you for two fucking years. Like, you're not going to want to hire them on your show. You're going to be like, they weren't serious about it. So now I'm telling him.

I'm like, there's no point messaging him now. Hey, that's his degree too. I was like, there's no point in messaging after that many years. Like, whenever I hyped you up and then you didn't message them for two years. Yeah. And I was like, hey, he'll message you like tomorrow. You miss that beautiful window. You need a contact.

the Department of Education, the servicer that's doing, I think it was like NellNet, or what's one of them? Either way, you need to get on a repayment assistance program immediately with what your low income could be is literally 1% of your income.

But if you don't, I think you are literally potentially days or weeks at best away from them garnishing 25% of every single paycheck, which makes no sense because you could contact them right now and get on for as low as 1%.

But you need to talk to them immediately and you may have already missed it, and this might already be happening, you don't even know it. Hmm. Yes, it's bad. You don't understand how dangerous this is, and that garnishment is going to take forever $73,000. His thing, I don't even know why it's that much, because, like, I don't even think...

Because the interest has went up, well, you're not paying anything. I wasn't paying attention. Even if you could payment assistance, 1%, you'll at least make it not go to default, but it's going to balloon. Then it'll take 40 years until it's off. But even still, regardless, who has Bank of America? You have 21-7. $21.

Look. This is cash up, cash up, cash up. We'll probably get to that at some point, but it's just so much cash. If it's getting cash up, it's me continuously sending him money. For me to. Oh, and all for this. So you make no money and you have to borrow money and she's giving you money. What is it for?

As a stay-at-home parent. It's for a subscription, for door dashing, for going in and getting some bullshit. For another subscription, for Waterburger, for going in against a bullshit, for a subscription, for some restaurant, from another restaurant, from cash app out that time, from Patreon, some bullshit mobile purchase, mobile purchase, mobile purchase, in-app games, I don't know, what is it? No, that's probably the go in and do the fucking AI.

More than likely. Going in and getting some bullshit. Patreon again, what are you doing? What are you doing when you go in and get something for $3.25? What are you buying? Energy drinks, probably. Stop that? What's that shit, dude? You got to stop it!

Look. Here, you're a gooner, so you want to f***ing a goon shit, right? Here, look at a goon. Here, this one's perfect for you. It's Steve Harvey. Listen. Is it really? What the f***?

Camer subs. You are making that at home just like you would make coffee at home instead of getting in Starbucks. No more stopping in for $3.25. You make that with my discount code for a 40 cents of serving. 40 cents of serving. I don't do energy drinks. You can do the hydration versions as well. This one's for him so it doesn't stop at the gas station anymore.

Does this say lean? Yes, sir. What are we doing right now? Yes, sir. Racism. And flavor. It's racial. It's racial, not racist.

Not racist. And delicious. And cheap with 40 cents a serving. Listen, get your free samples right now. Figure out what flavor you like using my code Caleb. At the link of the description below. Get your free samples. Figure out what flavor you like.

Then get your gamer subs. It is 40 cents to serving. Seriously, though, it will save you a lot of money. You got to, that's 40 cents to serving instead of $3.25 every single time. Come on, dude. So that'd be a dumb ass. Because then there's an energy drink. And they.

Deep flow. What's deep flow? He also buys. I have no clue. And here's the thing I'm going to your subscription. I stand by. He has an app. Or he has,

Android's. Okay, pull, open your phone. Yeah. Open your phone. Come on. Come on. Let me rock. Let me rock.

Let me write. Because here's the thing, right? I looked it up. I had no clue what it was after I looked it up. I don't know what it was when I looked it up during and how to, how do I get into the I need to get into? Just give him the phone. Your fucking.

You're fucking fucking. Let me sure you cover the screen though. It's my baby on the screen, though. Oh, right, yeah, that's true. No, he'll cover it. No, no, no, no, none of that will be in there. Yeah, yeah, yeah, I won't be on there. What are you doing?

I told him you just getting in the phone. Okay, here. Just give him the phone. Go, have it. Have that it. Use hand sanitizer when you're done. He goes a lot. I told you.

Orange you. Hey, hey, look. We can play. I'm just going to look it out. What are we're playing with? Another subscription, going to get some bullshit, Microsoft, Xbox Subscription, Hobby Lobby, some.

Hobby Lobby. That's hurt. This is another in-app purchase, another goon purchase, and then smoke and chill. Listen, you spend hundreds, if not, maybe even upwards to

a thousand hours a month on bullshit. When you only make $2,400, you're likely getting garnished. Your grandparents, grandmother and mom have to give you money and she has to send you money. This is pathetic little child behavior. I was going to say boy behavior,

but I don't want to be racist. That is child behavior. He spends a fortune on like edibles. No, you need to grow the, it's time to be a man. You're 30. Shut up. Bitch, I'm talking.

It's a lot to spend. Woman! Why are you talking? And that's a lot! I don't give a shit what you're saying. I'm saying things to him. You need to become a fucking man. What is the wrong with you?

You need to become a fucking man. You have a child. It is time to man up. It is time to man up. You're being a kid. You're being a kid. Seriously, you're acting like a child. Look, okay.

I did not understand the financial burden of a child when I had them, right? It's a kid. How do you not know? It's a breathing and sleep app that you probably deleted, but you're being charged for it.

That's what deep flow is. Breathing and sleep app? There's a breathing and sleep app? I don't know. It's an app where you sleep and breathe. What do you want for me? I don't know. I don't remember getting it the first place.

He probably just, he has literally like 10 different reoccurring subscriptions in here. He probably just signs up for them without even knowing. At this point probably. You're overdrafting. Yeah, I did that.

Every month. Yeah, I did that. This is a pathetic excuse of a father right there. Jesus. Financially. Christmas. That is.

That is true. Who's one pay? Me. Well, you're negative $35. So you're worse. That is his cash-up to him. Cash-up, cash-up. You're going to Dairy Queen.

You're going inside. Okay, but my is a joint-up. I don't give a shit. You're stopping and getting into bullshit. You're stopping and getting into bullshit. Taco Bell, Door Dash Pente Express. Bullshit. Cash-up out.

Texas Thrift. McDonald's Thrift. Drift Giant Belt. Lisa's chicken. Going to get into bullshit. Bullshit. Cash-up, cash-up, cash-up, cash-crap. Bullshit.

Bullship. Cash app. Bullshit. Boost Mobile. It's only $10 a month, yo. You can't get mad. I pay $10 a month from my phone. It's just stereotypical.

Okay, but it's $10 a month. Even helium isn't that cheap? It can be. There's a free plan. Okay, well that's only $10 a month. Okay, well, zero is better. And it's unlimited everything on my phone. Zero's better.

But that's not unlimited. And to be clear, right, those cash chips that were coming in were probably from her. her. Yet you still overdrafted. Fair. But but to me to pay for some shit for her. No, it's not. That is

90% of what this is. Because my bank account is a joint account. His bank account is his. McDonald's. Cash app. Bullshit. Bullshit. Bullshit. McDonald's bullshit. Dude, you're getting like $3 target. $3 target. $6 target. This is bullshit. Bullshit. Cash app.

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Good stamps, though. So I use food stands for a part and then like if I buy something. But you're doing it like five in a row right there in one day. Like it's all bullshit. There's bullshit and food stamp and groceries and bullshit. Oh, they may just all pin in one day. Hey, good thing we give you food stamps because then you're doing $20 on Uber Eats. Why should we support two of them? Because I order my groceries through there though.

Hey, not Panda Express was not groceries. Why are we supporting you? Why did I just write a $2 million check to taxes the other day? Why are we supporting you when you are going and spending your money on Panda Express? Okay, but it's me who's like basically like a single parent because half the time he doesn't. not help with the baby. It is true. We ain't going to just play.

We're going to throw that out there. It is just me. Fine, fine, fine, fine, fine. Pause. Let me ask a better question. Why are we supporting you and I'm writing millions and taxes when you spent upwards of $500 going out to eat last month? And yet we have to support you.

It's hard to meal prep and take care of an infant. You're at home all day. You're a stay-all mother. You can meal prep. I do sometimes. Not enough. But I had to meal prep like three different meals. Why are we supporting you when you're going out to eat 500

$100 a month. It's disgusting. Fuck yourself. Dash pass. Bullshit, bullshit. Cash out. DoorDash again. Bullshit. Go Brands. Burger King DoorDash. Good thing. We're giving you assistance. Stopping in the gas station. Getting some bullshit.

That's him. Amazon. Bullshit, bullshit. LJs. Wait, LJS. What is this? Two of them, I don't know. Instacart. Bullshit. How much was it for? Bullshit, bullshit. I don't even care. Go Puff. That's groceries as well.

Bullshare, Instagram, Instagram, Instagram. Bullship. This is so stupid. You guys are so... Oh, I don't even know what that is to be... Ray, why would we? I don't... Okay, it's just letters.

So here's the cash app. Here's the cash app, because maybe the place would be letters, branded. What place is literally three letters? BJ's is a place. I don't know. I've never been there. Well, there you go.

There's an example. But isn't there more to it than... PJ Max? There you go. Technically. Listen, you're insincarding and go puffing all the time. Listen, I understand doing it like once every other-

We don't have a car. We don't have a car. No, which is why I was gonna say, I understand doing it like once a week, once every other week to mass grocery shop, but you're doing it almost every single day. A lot of times, okay, I know, this is gonna sound like a cop-out but it's like for real, a lot of times.

It is a lot of times it will run out of shit for the baby and like, I don't know. Coop. Coop. It can't be cope if it's a baby. I'll literally like, I'll run out of baby food and I don't know that we're out of baby food. Because she's to say a home mother,

she should be managing this shit. But he also does it too. You know, sometimes he'll feed the babies. Like, I'm like, I don't know if he's out of it or not. Oh, good. And you have an amazing retirement of zero dollar. Wait, wait, zero dollars. It started at $7,000.

Wait, so that's your savings? It's just pulling from retirement? You didn't have savings. No, go, no, no, no. I said I had savings before we first got together. I had like $8,000 in savings. All of that went to his car. To be fair on that end.

Yeah, what about your 401K that went from $7 to zero. I had to take that out because he wasn't working. and I had an infant and I had to take care of the baby and pay all the bills and do everything by myself. Also, LJS is likely Long John Silver's.

Oh, shit, yeah it is. Oh, that makes sense. Which, by the way, we did a fat and fatter to us the other day. I honestly... It's actually pretty good. I hated it. It's pretty good.

I hated it until I got pregnant and then, like, I don't know, after that the baby craved long job. It did. Yeah, make excuse for your discussion behavior. I hated seafood all too. together until I got pregnant and the baby likes fish. So now. I lucked

out. Every woman I've ever dated in my life has been allergic to fish in some way or fashion form. I got the one that had the seed that had the seed to the prey of fish. I'm not kidding. I'm his second girlfriend. It's got to be the way. Just wait until the catfish, bro. He's dated one other person besides me. And they were not a repeat. Shut up.

What dollar amount do you get in food stamps a month? Uh, 400. You guys are so annoying. You're so loud. Yeah. Yeah, that's just kind of my thing. It's not good. It's not bad. It's not bad. Okay, you should be able to contribute an extra $400 a month of groceries outside of that. That'll be fine with meal prep. T.P. Fund, anything else you and the kid need to survive,

which should probably be able to do $250. Highers are expensive. How much is a month of diapers for you? A month of diapers. Probably close to $100. There you go. $250 is fine. But I also have...

Outside of formula, I have to also buy formula, though. For a second. That's in your grocery. I put it in there. Didn't you just put the food stamp fund, though? No, I did $400. is food stamps and then 400 of you goes to it.

Okay, I thought you meant food stamps. Boost mobile. It was like 11 bucks. Yeah. Okay. Car insurance. How much? None. None. I don't have a car. That's right. So no gas.

What about transportation with Uber's or a lot? Or bus or whatever. I don't Uber often. I normally take the long road and walk it. That's good. Now. I've been doing that for a month. How much do we need to contribute a month?

A, let's see, for emergency purposes, let's call it, 50. Yeah, like 50. That's it? A month? Yeah. That's not a lot. Okay, rent was what again?

14.1. Okay, and then all utilities including internet together? We don't pay for internet, do we? Yeah, we do. We do. We do internet. I would say close to like 400 for everything. Yeah, you guys are. Yeah, because I pay internet, I pay insurance.

I pay like the electric bill. Render's insurance is 20 bucks. What are you talking about? It's not. It's like 30-something, but it's included. I'm going to assume your student loans, the payment will be 150 if you get on the rap plan. What can I plan? Rap. It's made just for you.

Just fucking take it. Repayment assistance program. All right. So we're playing the racial and racial and racism? No, no, no, exactly. He's for real. It's called rap. It's called rap.

It was formally noted as save, but now it's wrap. They basically, they go off of your income on how much you can do that. Saved in the blood, wrapped in blood. Okay. Got it, got it. Got it got it. And we looked at you knew you couldn't save, so we turned it into wrap. $412 is your debt minimum of payments, most likely.

Medical health care. They're co-pays and stuff, I'm sure you're on all the benefits and whatnot. Yeah, I pay $20 or something. Nah, like it comes out, it comes directly on my chick. I forget how much you're actually. Yes, but I'm talking about co-pays, like afterwards. Medication, stuff like this. We don't.

Right now, me and the baby are the only one, so no. No. Because worse, I'm still on pregnancy. Okay. Let's try you do $40 on subscriptions. I'm on pregnancy money. Shut up. $40 on subscriptions.

You really have to pick and choose what they go towards now. Do you have any pets? Yes, but they're too old for insurance. How much for pet food? like $40 a month. Yeah. Anything else that needs to be in this budget that I've not put in, guys.

This is going to be really difficult. I don't think so. No, you got all that. Nope, yeah, I don't think so. Yeah, just the bullies with their food. Yeah, their food is like $25 of the swing and that's like a month-ish. Yeah, and even with this,

they're still obviously underwater by $600. You need $3,000 just to survive basic minimums. Here's the reality. You are applying to, you are curating your resume, do a resume builder, help with AI, they will review. Making a good resume is easier now than ever. And you are applying to every single job that exists in this world using for your degree to get any job that gets upwards of like $25 an hour at a minimum now. You are doing that. You need to make more money.

That is your second full-time job is finding a better job. And then you're going to be working two jobs. So until then, you need to be working 80 hours a week. It's as simple as that. You need to go pick up whatever job you can. I don't really give a shit. You need to be a provider. And here's the reality.

In your area in a larger metro like that, you will likely have child services that you can take advantage of. It's your income situation. I can't, but I won't. Huh? I won't put them in shock care. Okay, then go fuck yourself.

No, you don't get it. Like, I worked in childcare for so long. They're so bad. You are going to lose the roof. I can work from home and be fine. I am willing to do that. I've tried. Pause, you need to listen for a second.

Mute her mic so she can't talk. Thank you. so now you know you can't contribute to this conversation. Not that you were in the first place. The reality is no one can hear you. So you're just talking to yourself. The reality is you are going to lose the roof over your head of this kid. Now you say you can work from home.

Here's the fact. Work from home jobs are the very small minority now. And also, you don't really have the skills and qualifications. That's going to put you ahead of the front lines anyway. Like you just, like you don't. The fact is you need to go get a job. He needs to be a bigger provider. Don't get me wrong.

but I would, it's not that I do not want your kid in child care. I'm not saying that. I would rather you take care of your kid, but I would also rather your kid have a roof over his head and food out of the table than have his mom staying at home. Okay? I choose that. So unfortunately for a temporary basis,

he needs to go get a second job now. McDonald's I don't give a shit. It's anything because you have to make the minimums. Right now we're not making the minimums. Who knows how long mom's going to support, but eviction will be coming. You'll be f***. And that's it.

That's it. Those are your options. Bankruptcy is not going to clear this shit. Your minimum payments aren't even bad. Your bad ones to suit a loan, so that's not even going to do shit. Because bankruptcy doesn't get rid of it. Okay, we have a crazy thing to talk about in the post show that we couldn't talk about in the main show, guys.

Like actually in saying that blows up this entire relationship that happened from her end that she didn't want to talk about in the main show. So get ready. So join Hammerley, but let's get your hammer financial score. spending in a budget overspent obviously zero out of ten debt collection zero a emergency fund nothing zero ten retirement drained at zero ten actually emergency fund is two thousand so i i will give that for the household a one out of ten today with a kid and everything real estate zero out of ten rounded up hammer financial score point five out of ten get yours at

caleb hammer dot com now click the join by and join hammer lead best membership on youtube where you get three premium shows six days a week it is incredible this is about to be an amazing post show you have no idea watch the teaser now see you there you cheating on me. What the f***ing is going on here? It's not a revenge thing because of his AI. It's like sometimes my ex that I also get money to just like hangs out with us. Get bored. You have a baby, man.

That's weird, dude. We just say I, you know, we don't have a bar. You don't have a bar. You come anywhere. It comes over. The ex. Don't forget the summer budget reset is now live. Get a full year of dollar wise premium plus my four best selling educational courses and a digital copy of my budget-friendly cookbook.

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